Search found 1551 matches

by J295
Sun Sep 23, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 39
Views: 2361

Re: Ventilated car seats?

System in the 2016 Lexus works great
by J295
Sun Sep 23, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: What is right place for MLPs in portfolios?
Replies: 12
Views: 689

Re: What is right place for MLPs in portfolios?

Taxable.

I count the modest amount we have in the equity allocation.

We have owned EPD for quite some time.
by J295
Fri Sep 21, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3297

Re: Out of Market

For me personally, when I decide to do something, I just do it. Which means when I created my CD ladder I just created it that day. As rates increase I have no regrets, because as CDs mature on my ladder I just replace them with higher interest-rate CD.
by J295
Wed Sep 19, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: anybody use Fidelity CD ladders?
Replies: 4
Views: 834

Re: anybody use Fidelity CD ladders?

We have some Fidelity CD ladders. Work just fine.

Also own BND, i-bonds, TIP fund, money market funds, floating rate fund, etc. as part of our non-equity portfolio.
by J295
Wed Sep 19, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11141

Re: Did you really have something to retire to?

I didn’t have anything specific in mind, but I knew that I was too busy working to know what that could possibly be. I was also highly confident that everything would fall into place, and it has. I would say of the top 10 meaningful things I’ve done in retirement so far, none of them would’ve been o...
by J295
Wed Sep 19, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 2899

Re: Experiences downsizing to single car

Went to one a few years ago. Love it. Both retired (well, wife sells real estate). If there is a conflict I take Uber, and once even rented a car. Conflicts are rare. Probably 5 Ubers in two years. Helps that we live on a golf course and I golf nearly daily. And we often go to health club at same ti...
by J295
Wed Sep 19, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 34
Views: 2974

Re: Anyone hire an interior designer?

drzzzzzz ... i’m not a fan of online firms, and this is especially true for colors. Color is so nuanced depending upon so many things… the time of day, the natural and created lighting ( including type of lightbulbs), surrounding colors, the sheen on the paint you choose, etc. So, for that reason, i...
by J295
Tue Sep 18, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Manager - Cancer Diagnosis
Replies: 15
Views: 1723

Re: Manager - Cancer Diagnosis

Have your emotional intelligence antenna up and continue to be a good work friend. I’m sure you’ll act wonderfully. I don’t think there’s a one-size-fits-all in terms of how to be a good work friend. My advice is based on my volunteer experience making weekly home visits to terminal cancer patients.
by J295
Tue Sep 18, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3323

Re: Equity in house / Do you use it?

No we do not.
by J295
Mon Sep 17, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Provding SSN for Estate Planning--Why?
Replies: 22
Views: 1642

Re: Provding SSN for Estate Planning--Why?

My SSN is no doubt in so many places that the last place I’d worry about it being years with my lawyer.
by J295
Mon Sep 17, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 34
Views: 2974

Re: Anyone hire an interior designer?

Yes, we used one with a major renovation on a new property. It worked out great.
by J295
Mon Sep 17, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Revocable Living Trust vs. Will with Kids Trust
Replies: 5
Views: 536

Re: Revocable Living Trust vs. Will with Kids Trust

In our state wills of the type you describe are just fine in lieu of a revocable trust.
by J295
Sun Sep 16, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 7938

Re: How did you decide when to retire?

We had always planned to retire early, and did it at age 53. I spent about five years before retirement really drilling down on early retirement. One author answered your question on when to retire as follows: Ask yourself: 1. Do I have enough ($$$)? 2. Have I had enough (Of work)? 3. Will I have en...
by J295
Sat Sep 15, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: 1st time dad, OK to use willmaker software?
Replies: 37
Views: 3226

Re: 1st time dad, OK to use willmaker software?

I would not name two persons as guardians. Which of the two will care for your child if they get divorced? I would have a testamentary trust in the will. I don’t recall seeing that you have posted information on life insurance, but let’s say you have a $1 million term policy, which would be entirely...
by J295
Sat Sep 15, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 62
Views: 3918

Re: The Boglehead is anti-entrepreneur?

Interesting question. Thanks for posting. My sense is that BH as a group are rather cautious. Of course, that doesn’t mean everyone in the group is cautious or is cautious and all aspects of their life. I enjoy reading about those of us here that have taken a more entrepreneurial or otherwise less c...
by J295
Fri Sep 14, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 142
Views: 10241

Re: Age in Bonds - Still Recommended?

Re: Age in Bonds - Still Recommended? Unread post by UpperNwGuy » Fri Sep 14, 2018 8:34 am Age in bonds is definitely out of favor. Seriously, why would anybody want more bonds than stocks from age 51 onwards? I would recommend age minus 20 or age minus 15 in bonds. Can you elaborate? We are 59 and...
by J295
Fri Sep 14, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11124

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

With all sincerity, it is so cool when someone has the right fit and really thrives and enjoys their work. I like to call that a vocation. It seems fairly rare. Personally, I ended up in law by default because back in the day someone who had high academic performance, at least in my world, gravitate...
by J295
Thu Sep 13, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Determining when to take Social Security if you don’t need the money
Replies: 21
Views: 1773

Determining when to take Social Security if you don’t need the money

We are lucky in that we do not intend on needing Social Security for our living expenses, and intend to leave a legacy to our family. Now age 59 and we are a retired couple. I am entitled to a rather significant payment, and my spouse’s amount at half of my amount is higher than what would be availa...
by J295
Sun Sep 09, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Successful techniques to helping parents be less risky?
Replies: 15
Views: 1196

Re: Successful techniques to helping parents be less risky?

Ask him to grant you power of attorney and turn over all of his financial decision-making to you.
by J295
Sun Sep 09, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: I think my father has a gambling problem
Replies: 78
Views: 6698

Re: I think my father has a gambling problem

You confronted. He denied. You talked to your mom. She denied. I see these as your options: 1. Do nothing. Your parents are both adults and you have had dialogue about your concerns 2. Continue to confront him and your mother, push the idea that he has a gambling problem, suggest he see a profession...
by J295
Sat Sep 08, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Low pay and low stress jobs with health benefit
Replies: 41
Views: 5588

Re: Low pay and low stress jobs with health benefit

Have you investigated the affordable care act? Many of us who retired early have coverage through the ACA. Many of us are also able to manage income to qualify for substantial premium tax credit. In our case, for example, the total yearly premium is approximately $24,000 of which we pay $500 with ba...
by J295
Sat Sep 08, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation after paying off mortgage
Replies: 22
Views: 1796

Re: Asset allocation after paying off mortgage

Retired 6 years ago at 53. House paid for long ago. Allocation for us is 110 minus age in stock.

House is where we live and a safety net of sorts. We don’t alter allocations due to value of home.

YMMV
by J295
Sat Sep 08, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8142

Re: Can Sneakers go with Business Casual?

Tend to agree they’re the ones pictured would not generally be appropriate. On the other hand, I think in the right environment shoes like GREATS can work well for “ casual“
by J295
Sat Sep 08, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: ACA - AGI and MAGI ... The cliff ahead. need deductions
Replies: 5
Views: 695

Re: ACA - AGI and MAGI ... The cliff ahead. need deductions

Numbers one and two should reduce modified adjusted gross income, subject to the capital loss limitation rules.

For 2018 the HSA limit for a married couple is $6900, and there is an additional $1000 catch up available for age 55 or older
by J295
Fri Sep 07, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: forum discussion on ACA premium subsidy and filing taxes
Replies: 12
Views: 1128

Re: forum discussion on ACA premium subsidy and filing taxes

See Rev Procs 2014-37 and 2014-41

And, curious on why you want to do this without a tax return program?

Were you not self-employed or not qualifying for the premium tax credits in 2016 and 2017?
by J295
Fri Sep 07, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: forum discussion on ACA premium subsidy and filing taxes
Replies: 12
Views: 1128

Re: forum discussion on ACA premium subsidy and filing taxes

Sorry I cannot help answer your question directly. We use tax software. You may find it a valuable and worthwhile expense. Since you are self-employed, you will need to familiarize yourself with the IRS guidance on reconciling the premium tax credit and the self-employed health insurance deduction. ...
by J295
Thu Sep 06, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: My recent experience with buying custom window blinds
Replies: 27
Views: 2623

Re: My recent experience with buying custom window blinds

Paid a tidy sum to a local custom blinds company and have outstanding blinds
by J295
Thu Sep 06, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 130
Views: 7504

Re: Should I keep my financial advisor

Consider another thread where you post your assets and other details and request advice on an allocation to a three fund portfolio. Perhaps you will get comfortable with moving from the advisor and handling these matters yourself with input from the board
by J295
Wed Sep 05, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 31
Views: 2828

Re: Experience With No Car? (Uber/Lyft)

Husband and wife each 59. Uncomplicated life. One car. Works great. Have used Uber, lyft, and even rented a car for 100 mile round trip in one day. We do need the one vehicle, as we travel a fair amount to see family and need the SUV when everyone is home. 60,000 miles on that vehicle in two years 3...
by J295
Mon Sep 03, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of car ownership: 6.5 years of data in the SF bay area
Replies: 44
Views: 5054

Re: Cost of car ownership: 6.5 years of data in the SF bay area

Thanks for sharing OP

Edmunds also provides cost of ownership data.
by J295
Fri Aug 31, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7606

Re: I want to pry my friend away from Edward Jones

Did she ask for your opinion on Edward Jones or did you just offer up your perspective when she mentioned that was her advisor?
by J295
Fri Aug 31, 2018 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on paying off debt vs investing
Replies: 32
Views: 2259

Re: Thoughts on paying off debt vs investing

Depends on your risk tolerance. Back in the day, we were 100% equities, and no debt. Paying off debt was really important to our peace of mind and long-term plan. We are both 59 now and retired, but have sat through black Monday 1987, the tech crash in 2000, and the great recession of 2007–08. At le...
by J295
Fri Aug 31, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: $3.5M cash pile at age 63 – what would you do right now (and what wouldn't you do)?
Replies: 34
Views: 5696

Re: $3.5M cash pile at age 63 – what would you do right now (and what wouldn't you do)?

Prepare an investment policy statement.

It will have your allocation, and you can ease into that over a set time period, say the next 24 months.

Personally, we retired early and our basic formula is 110
- age = equities
by J295
Thu Aug 30, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Buying car online?
Replies: 65
Views: 3687

Re: Buying car online?

We bought our Lexus SUV after going through an email process with several dealers over two days. When we decided on the dealer I confirmed the purchase in an email to the dealership and trusted they would have the SUV when I got there the next day at the agreed-upon time. I got on a plane the next m...
by J295
Thu Aug 30, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: 1st time dad, OK to use willmaker software?
Replies: 37
Views: 3226

Re: 1st time dad, OK to use willmaker software?

OP
What about life insurance insuring you and spouse?
by J295
Wed Aug 29, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11856

Re: How do you 7 figure guys organize multiple accounts?

spreadsheet.
update every month or two.
re-allocate on birthday and/or end of year.
by J295
Tue Aug 28, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is a will or living trust necessary?
Replies: 11
Views: 1209

Re: Is a will or living trust necessary?

You may also wish to have a durable power of attorney and a power of attorney for healthcare
by J295
Mon Aug 27, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: LLC for one rental property?
Replies: 28
Views: 2290

Re: LLC for one rental property?

OP. You understand that without an LLC your personal assets are at risk in the event you have liability arising from the rental that is in excess of your insurance coverage, or is not covered by your liability policy or policies ( if you have a unique set of facts that result in liability, perhaps i...
by J295
Sat Aug 25, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Game Changing Inheritance of Stocks! Now what?
Replies: 75
Views: 7024

Re: Game Changing Inheritance of Stocks! Now what?

Helo80 » Sat Aug 25, 2018 7:25 am What I would do is: A) Sell the Berk B) Pay off the home mortgage (giant, reoccurring relief off of your shoulder) -- You can play games with "well, my interest is 3.75%, but the stock market is going up at 10% so I can..." stop --- you're not wall street C) Determ...
by J295
Thu Aug 23, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Varying college costs across kids in the same family
Replies: 92
Views: 5189

Re: Varying college costs across kids in the same family

We had a situation like the OP. Our mantra as parents has been we try to be equitable, but that does not mean equal in terms of dollars and cents. All of our children are grown and off successfully on their own, and everyone remains close with no problems with the way we did and still do things. In ...
by J295
Thu Aug 23, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for a Generous Grandparent?
Replies: 53
Views: 4353

Re: Suggestions for a Generous Grandparent?

I didn’t read all the responses, so maybe this is been covered… We are young grandparents, and will likely have a similar situation. Some of our kids will have more children than others, some may have no children. Here’s what we will do… We will give same amount to each child, and they can handle it...
by J295
Tue Aug 21, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Repairs, and the economic joys of homeownership
Replies: 17
Views: 2128

Re: Repairs, and the economic joys of homeownership

You dug deeper into the economics than I do. However, I’m happy you’re happy! Somethings we DIY, other things we don’t. It really just kind of depends how we feel about the project. For example, we handled the demolition of a deck last month but hired out the building of the new one —- although that...
by J295
Mon Aug 20, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: starting an email group
Replies: 9
Views: 628

Re: starting an email group

Gmail
by J295
Mon Aug 20, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3308

Re: Composite Decking Material

We just replaced a wood deck with a composite – – timbertech. Also put in a stainless steel railing system, which looks beautiful and is rather pricey. Less expensive options are available, but for a lot of reasons it was the right choice for us. The railing was custom-made through a fabricator. We ...
by J295
Sun Aug 19, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6597

Re: PCP Wants Full Charge Up Front [Primary Care Physician]

I’m much more interested in the quality of care from my primary care physician/internist than I am about whether or not there is extra $100 cost, or I don’t have $100 for a few weeks or a few months pending a determination of my insurance coverage…
by J295
Sun Aug 19, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 68
Views: 14733

Re: This is Unbelievable - another Vanguard customer support odyssey

Accounts at VG and Fido. In our experience Fido provides significantly better online and telephone experiences.