Search found 169 matches

by Howie
Thu Jan 21, 2021 11:58 am
Forum: Personal Investments
Topic: So you hit your number. Now what?
Replies: 73
Views: 7450

So you hit your number. Now what?

So you've hit your number prior to your anticipated retirement age. From a positioning perspective, do you immediately shift to an ultra conservative strategy in an effort to stay at or above said number until you finally shut it down or do you continue to plow ahead with your current portfolio? I'm...
by Howie
Sat Jan 09, 2021 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: What are your Lean FIRE, FIRE, and Fat FIRE numbers?
Replies: 213
Views: 16062

Re: What are your Lean FIRE, FIRE, and Fat FIRE numbers?

You can list your yearly spend at lean, fire and fat fire, but there will be intense disagreements on what kind of nest egg you need. And no one knows because no one knows the future. Shoot for fat fire assuming 3.5-4% swr and adjust to fire or lean if things go bad is my approach. I like this appr...
by Howie
Wed Dec 16, 2020 7:40 pm
Forum: Investing - Theory, News & General
Topic: Can anyone reach Vanguard on the phone?
Replies: 166
Views: 11523

Re: Can anyone reach Vanguard on the phone?

Nobody should put up with service like that where you call for days and can't get through. Vote with your feet and leave. That's really beyond the pale. And people seem to have this idea that any of the "other" places are just full of conartists that want to steal your money. So what are ...
by Howie
Wed Dec 16, 2020 7:38 pm
Forum: Investing - Theory, News & General
Topic: Can anyone reach Vanguard on the phone?
Replies: 166
Views: 11523

Re: Can anyone reach Vanguard on the phone?

rkhusky wrote: Wed Dec 16, 2020 6:26 pm
Howie wrote: Wed Dec 16, 2020 3:40 pm Currently on hold. Wait time has been advertised as 20-30 minutes.
Still on hold?
Nope. Hung up after 45 minutes.
by Howie
Wed Dec 16, 2020 3:40 pm
Forum: Investing - Theory, News & General
Topic: Can anyone reach Vanguard on the phone?
Replies: 166
Views: 11523

Re: Can anyone reach Vanguard on the phone?

Currently on hold. Wait time has been advertised as 20-30 minutes.
by Howie
Thu Nov 26, 2020 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 1367
Views: 183157

Re: How much money do you want to retire?

This was a tweet from Rick Ferri a few month back Goals for Retirees based on 385 clients < $2M - not run out of money 2-5M - live comfy, travel, tax efficiency 5-10M -live, comfy, travel, tax eff, legacy for heirs, charity, low tax >10M - philanthropy, legacy for heirs and low tax when asked about...
by Howie
Fri Nov 13, 2020 12:31 am
Forum: Personal Consumer Issues
Topic: Google Photos
Replies: 56
Views: 4123

Re: Google Photos

Amazon has a pretty good cloud photo service as well for Prime members. Don’t forget it as an alternative. I wonder if there is a way to easily get one’s collection of Google Photos transferred to Amazon Photos which doesn’t involve downloading to a hard drive and then uploading to the Amazon cloud?
by Howie
Fri Jul 24, 2020 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Housing strategy in retirement?
Replies: 8
Views: 791

Housing strategy in retirement?

Reading the currently active thread on the pros and cons of owning a big home got me thinking about the couple who retires without children or other heirs. What’s the strategy to pursue concerning place of residence in retirement? Simply rent for the rest of ballgame? Buy a home and pursue a reverse...
by Howie
Fri Jan 17, 2020 4:48 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 780
Views: 116135

Re: Year 2000 retirees using the '4% rule' - Where are they now?

If you have 25 times expenses without considering social security income that should give a good buffer, if you hit several years of down markets right? (Even if SS gets cut by 20% in the future).. Absolutely. Depends on your expenses of course... If you spend $300,000 a year, SS isn't going to hel...
by Howie
Mon Nov 11, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?
Replies: 49
Views: 7402

Re: I think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?

What are the specifics behind $5K health care annually? My FIRE timing could be accelerated if this were the guaranteed max exposure of this expense.
by Howie
Sat Nov 02, 2019 10:47 pm
Forum: Personal Consumer Issues
Topic: Networking Equipment Question
Replies: 12
Views: 958

Re: Networking Equipment Question

If I understand your setup correctly you would run an Ethernet cable from your Orbi router to a switch in the office from where your devices are located. I have a similar setup with the Google Wifi system and don’t require a second router. Out of curiosity do the Orbi satellite units have backhaul c...
by Howie
Thu Oct 24, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 3616

Re: Sanity check on PPO vs HDHP

How do prescription drugs factor into both plans? For the HDHP, prescription drugs count towards the deductible and out of pocket maximum. For the PPO, it's a separate deductible and out of pocket maximum. You have a good plan then as many of the HSA Plans have a separate Out-of-Pocket Maximum for ...
by Howie
Wed Oct 23, 2019 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 3616

Re: Sanity check on PPO vs HDHP

How do prescription drugs factor into both plans?
by Howie
Fri Aug 30, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Another round of annual LTD coverage increases?
Replies: 1
Views: 243

Another round of annual LTD coverage increases?

Six years ago I purchased a private LTD policy and annually there was an opportunity to increase the monthly coverage for a modest premium increase. This rider has expired and, in order, to re-initiate this rider for six more years I would need to again go through the application process. This inclu...
by Howie
Wed Aug 07, 2019 11:30 pm
Forum: Personal Consumer Issues
Topic: wifi router, too many options!
Replies: 41
Views: 3486

Re: wifi router, too many options!

sk2101 wrote: Wed Aug 07, 2019 3:06 pm
ETA2: No VPN or wired connections (only 1 ethernet port on the main unit) though. You could configure your old router as a bridge and run the VPN and wired connections from there.
For Ethernet backhaul a switch behind the main Google Wifi router also works well.
by Howie
Thu Aug 01, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 98
Views: 11265

Re: Acura RDX vs Audi Q5

msi wrote: Sun Jul 21, 2019 1:59 am If you're planning to buy... the 2019 RDX has a 2/5 for reliability from Consumer Reports. Q5 gets a 3/5.

But in my experience with Acura, the repairs and maintenance are fairly cheap. Never owned an Audi.
Didn’t realize Honda’s quality had dropped off so far...
by Howie
Sat Jun 08, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: iPad for notetaking with stylus
Replies: 10
Views: 1014

Re: iPad for notetaking with stylus

Evernote.
by Howie
Sat May 18, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 6794

Re: Guidance on choosing between UMich and Brown

psteinx wrote: Fri May 17, 2019 1:04 pm
Jags4186 wrote: Fri May 17, 2019 12:48 pm Could someone educate me on what the “lower Ivy League” schools are?
Brown, Cornell, Penn (outside of Business) and Dartmouth.
In the most recent WSJ college rankings, the Ivies placed seven of their eight institutions in the Top 11. Dartmouth was #17.
by Howie
Sat Apr 20, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 99
Views: 13857

Re: Where do you keep your emergency fund?

Turbo29 wrote: Sat Apr 20, 2019 6:24 pm
Howie wrote: Sat Apr 20, 2019 6:18 pm
Afty wrote: Sat Jan 26, 2019 4:21 pm Capital One 360 MM account at 2% interest, FDIC insured.
The amount >$10K. The dollars below that threshold receive a lower rate.
They pay it on the entire balance so long as you have >=$10000
Thanks for the correction! Seems a decent rate for parking one's EF.
by Howie
Sat Apr 20, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 99
Views: 13857

Re: Where do you keep your emergency fund?

Afty wrote: Sat Jan 26, 2019 4:21 pm Capital One 360 MM account at 2% interest, FDIC insured.
The amount >$10K. The dollars below that threshold receive a lower rate.
by Howie
Tue Apr 16, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Having Trouble with PNC?
Replies: 21
Views: 4377

Re: Anyone Having Trouble with PNC?

I've received this email three or so times over the past couple of months. I assumed it was a result of Personal Capital fouling something up as it periodically updated its aggregating information but now I'm not so sure. Each time I've gone through the process of setting up a new password and got b...
by Howie
Sat Apr 13, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 9457

Re: Are Airport Lounges Worth the Money?

+1 on the CSR card, even for domestic/ economy travel. Priority Pass offers free meals at restaurants as well as lounges. For instance, our home airport is IAH. At IAH my wife and I have the choice of two restaurants (Cadillac Mexican Kitchen & Bar - Terminal A, Landry's Seafood, Terminal C) an...
by Howie
Sat Mar 23, 2019 6:51 am
Forum: Personal Consumer Issues
Topic: DirecTv Now changes
Replies: 32
Views: 2886

Re: DirecTv Now changes

It seems Philo is a nice relatively inexpensive complement to You Tube TV for channels YTTV doesn’t currently offer.
by Howie
Sat Mar 09, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW-adv) for Advanced Users
Replies: 52
Views: 10185

Re: Variable Percentage Withdrawal (VPW-adv) for Advanced Users

Wow. Great tool. Just stumbled onto this and have spent the past hour digesting and analyzing. I believe this, coupled with FIRECalc, are the only two retirement assessment tools one might need in terms of deciding "how much is enough" and "is it ok to retire"? Not sure that I a...
by Howie
Sun Feb 24, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 139
Views: 16333

Re: Is Hyundai the value sweet spot?

So I'm curious- as the Genesis brand is the luxury Hyundai brand, is the "upgrade" on par with what Toyota has done over the years with the Lexus?
by Howie
Tue Feb 19, 2019 12:01 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 780
Views: 116135

Re: Year 2000 retirees using the '4% rule' - Where are they now?

So for one who might be considering a 35 year retirement horizon and wanted to wind up with $0 left at endgame, what % rule might be considered? It seems the vast majority of scenarios utilizing the 4% rule or less results in a large chunk of change remaining. I guess a SPIA would be the ultimate ap...
by Howie
Sun Feb 17, 2019 10:41 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 780
Views: 116135

Re: Year 2000 retirees using the '4% rule' - Where are they now?

I should make this my new signature. It's not about a rigid withdrawal strategy... It's the rough goal for financial independence. Once you hit 25x expenses, you're in pretty good shape. Wouldn't the more accurate multiplier take into account SS and pension streams? I understand for most FIRE membe...
by Howie
Sun Feb 17, 2019 6:11 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 780
Views: 116135

Re: Year 2000 retirees using the '4% rule' - Where are they now?

I should make this my new signature. It's not about a rigid withdrawal strategy... It's the rough goal for financial independence. Once you hit 25x expenses, you're in pretty good shape. Wouldn't the more accurate multiplier take into account SS and pension streams? I understand for most FIRE membe...
by Howie
Sun Feb 17, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax 2018 Forms Now Online
Replies: 65
Views: 5721

Re: Vanguard Tax 2018 Forms Now Online

Glad I happened to notice this thread as I completed my tax returns yesterday and, fortunately, thought best to hold off e-filing for a couple of weeks in case there were any updates to the software. I hadn't realized my consolidated 1099 from Vanguard wasn't comprehensive and the second account the...
by Howie
Fri Feb 08, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Is the MBA degree market saturated?
Replies: 39
Views: 4280

Re: Is the MBA degree market saturated?

As the number of providers of such degrees has increased over the years the comparative value of an MBA from a Top 30 program has only grown. Often times this can become a tiebreaker with respect to garnering an interview and an MBA from one of the elite schools carries much more weight than one fro...
by Howie
Sat Feb 02, 2019 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW-adv) for Advanced Users
Replies: 52
Views: 10185

Re: Variable Percentage Withdrawal (VPW-adv) for Advanced Users

Wow. Great tool. Just stumbled onto this and have spent the past hour digesting and analyzing.

I believe this, coupled with FIRECalc, are the only two retirement assessment tools one might need in terms of deciding "how much is enough" and "is it ok to retire"?
by Howie
Thu Jan 31, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: Regular Gas in a car requiring Premium Gas (Lexus LS)
Replies: 23
Views: 5354

Re: Regular Gas in a car requiring Premium Gas (Lexus LS)

You'll probably experience a slight drop in fuel economy.
by Howie
Thu Jan 31, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 12410

Re: Were you 100% debt free at retirement -- NO

Bogleheads: Pat and I took out a low-interest 30-year mortgage loan in our early 80s. We put the money into two Single Premium Immediate Annuities (SPIAs). The idea was (and still is) that we would rather spend the money than have it tied-up in our home. We put the money into two SPIAs which guaran...
by Howie
Thu Jan 31, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 12410

Re: Were you 100% debt free at retirement

Nowizard wrote: Thu Jan 31, 2019 1:12 pm Nope, monthly credit cards we pay, but mortgage equal to about 1/2 the equity by choice.

Tim
Implied in that is you could pay off if desired? To me, this constitutes being "debt-free" even though one is still carrying debt.
by Howie
Thu Dec 27, 2018 2:09 am
Forum: Personal Consumer Issues
Topic: AT&T Landline - what's considered "Long Distance"
Replies: 22
Views: 1568

Re: AT&T Landline - what's considered "Long Distance"

Ooma has been working great for me; and call quality is better than when I had a landline. I have no idea how this company makes money. I pay like $5/month. And those of us who have been Ooma customers since early on in their history actually pay nothing per month (no monthly fee, no taxes, zilch).
by Howie
Mon Nov 19, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me decide on HDHP or PPO? And am I missing anything?
Replies: 10
Views: 1233

Re: Please help me decide on HDHP or PPO? And am I missing anything?

Is there a difference in how prescriptions are handled? In some HDHPs, there is a higher out-of-pocket maximum for prescription drugs and the PPO-type co-pay doesn't usually commence until the full medical deductible is satisfied. Depending on one's familial needs, this could be a factor in the deci...
by Howie
Mon Oct 29, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Does your Capital One 360 reimburse international ATM?
Replies: 43
Views: 4801

Re: Does your Capital One 360 reimburse international ATM?

My usage of it overseas a couple of months ago resulted in reimbursed ATM fees as well as no international usage fee (unlike the Fidelity Cash Management card). That's has not been my experience... I was in London last week and pulled 200£ at Heathrow via Fidelity Cash Management. I've already been...
by Howie
Thu Sep 20, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Does your Capital One 360 reimburse international ATM?
Replies: 43
Views: 4801

Re: Does your Capital One 360 reimburse international ATM?

My usage of it overseas a couple of months ago resulted in reimbursed ATM fees as well as no international usage fee (unlike the Fidelity Cash Management card).
by Howie
Fri Aug 31, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 86
Views: 14936

Re: Fidelity Rewards Visa Card

I like the Fidelity Rewards Visa Card . But it seem like I am only getting 1.5 points for every dollar I spend (1.5% cash back) instead of the 2 points (2% cash back) advertised. Points from statement https://flic.kr/p/29fD5JP points according to advertisement https://flic.kr/p/Nvr9iu I seem to rec...
by Howie
Fri Jun 29, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Vacation- home precautions?
Replies: 39
Views: 5653

Vacation- home precautions?

For a week away from home, what precautions do you take? I normally shut off the water to my washer, bump up the thermostat, have a neighbor check mail/deliveries, and leave a light or two on. What else is recommended?
by Howie
Sun Apr 29, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: can't login to vanguard this a.m.
Replies: 17
Views: 5590

Re: can't login to vanguard this a.m.

Same problem here. "Too many redirects". Typical Vanguard.

I'll note I tried three different browsers- one of which I've never used with the Vanguard site.
by Howie
Wed Mar 28, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage with Windfall?
Replies: 57
Views: 8665

Re: Pay Off Mortgage with Windfall?

The majority of responses suggest paying it off. Is there a lower interest rate level where- at or below- it might be prudent to, instead, keep the mortgage?
by Howie
Thu Mar 22, 2018 12:29 pm
Forum: Personal Investments
Topic: Technical issues with Vanguard
Replies: 14
Views: 1840

Re: Technical issues with Vanguard

They botched a simple Roth recharacterization of mine a couple of years ago and it took them months to finally rectify. I was so turned off after experiencing their struggles on such an elementary transaction I considered parting ways and adding to my Fidelity holdings. I never pulled that trigger b...
by Howie
Sat Mar 10, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 22745

Re: What was your % pay raise?

3% raise, 30.4% bonus (formulaic based primarily on profits).
by Howie
Fri Jan 19, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 780
Views: 116135

Re: Year 2000 retirees using the '4% rule' - Where are they now?

IMHO, anything less than a 3% WR is overly conservative for anyone aside from those interested in leaving behind a larger portfolio for their heirs, charity, etc. than they started with. That being said, here it is. The nominal ending balance in 2017 would have been $1,798,773, which would have bee...
by Howie
Tue Jan 09, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 780
Views: 116135

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Great post. This reinforces 4 things to me in my particular financial situation (others may be different), that I need to keep in mind going forward. 1. Keep SPIA's on the option table. 2. 25X is not enough, maybe not even close going forward (I don't have a pension or very many alternate income st...
by Howie
Sat Jan 06, 2018 6:11 pm
Forum: Personal Investments
Topic: stay with old employer 401k with fees or rollover to a Vangaurd account tIRA?
Replies: 20
Views: 1889

Re: stay with old employer 401k with fees or rollover to a Vangaurd account tIRA?

For years and years, I used to automatically say roll it over, but I've recently changed my tune on this. The expenses you cite are not exorbitant for a 401k plan, and by rolling it over to a tIRA, you potentially make a backdoor Roth contribution much more costly in the future. I made this mistake...
by Howie
Mon Nov 13, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 7711

Keurig died...what now?

My wife’s Keurig bit the dust recently. She likes the K-Cup concept and I understand there are options beyond Keurig that could utilize this format. Looking for thoughts on whether to stay with the Keurig brand or go with another? I’d value reliability/durability greater than simply looking for the ...
by Howie
Sun Oct 29, 2017 11:05 pm
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 5768

Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)

Furthermore, exposure to UV radiation is cumulative; unfortunately most of our sun damage comes when we're <20 (myself included). So, if one were >50, how much help would embracing a consistent sunscreen application program actually provide if the majority of the damage is already done and has been...
by Howie
Sat Oct 07, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 6639

Re: Chrome vs Firefox

I've been using Vivaldi for a period of time and find I use it most often on my Win10 machine. There are many features built into the browser and I find their tab stacking feature indispensable. It's built from the Chromium core and its code is updated frequently. As it relates to FF, the new versio...