Search found 1601 matches

by J295
Tue Oct 16, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Wallet-size personal investing handout to jumpstart learning.
Replies: 5
Views: 418

Re: Wallet-size personal investing handout to jumpstart learning.

Very kind of you to want to help others. When people ask me for generic advice on either investing or green reading (yes, green reading as in golf where I use aim point method) I pull out my phone and forward them a generic email that covers these items. I have paper copies of very few things. Best ...
by J295
Tue Oct 16, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: independent advisor
Replies: 13
Views: 739

Re: independent advisor

OP. How did you land with this particular advisor?
by J295
Tue Oct 16, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 23
Views: 1931

Re: What do you consider 'enough'?

Honestly never thought about it when I was working in terms of a formula. Had a well compensated vocation and I just put my head down and worked hard and saved money. Probably didn’t hurt that I wanted to retire early, and made my first equity investment in 1979 as a junior in college. My business p...
by J295
Tue Oct 16, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 25
Views: 1050

Re: Sneakers with good arch support

Reaffirm the suggestions to visit a quality running store. I tell you this so you can filter my advice… We are a family of runners… All Big 12 runner, multiple Boston marathons, etc.… we all get fitted by our local running company, even those of us who now only only walk. It’s not rocket science, bu...
by J295
Tue Oct 16, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Inflating AGI to avoid paying back ACA Premium Tax Credit
Replies: 25
Views: 1432

Re: Inflating AGI to avoid paying back ACA subsidies

OP. Is your primary concern with premium tax credits rather than subsidies? Many use these terms interchangeably, including one of the responders, and that can create confusion. The good faith issue arises in the context of subsidies, not in the context of premium tax credits.
by J295
Mon Oct 15, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 47
Views: 3463

Re: 6 month Treasury Note: "Bond" or "Cash"?

Coming in here late after the linguistics argument

We only have four asset allocations: equity, bonds, cash, alternatives.

If I had a six month treasury note, I would lump it under our cash. Then I wouldn’t worry about it anymore, and go play golf
by J295
Mon Oct 15, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 43
Views: 3588

Re: Kids not interested in money / allowance

They are learning a lot by your example.

Remember also each person, including each child, is unique.

Our three (all now adults) each orient to $$$ differently and successfully in their own way.
by J295
Mon Oct 15, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Doing my own taxes?
Replies: 13
Views: 1363

Re: Doing my own taxes?

Background. I was a partner in a law firm for approximately 30 years. In law school, I received the award for the highest score in individual income tax. I did not do our relatively straightforward taxes when I was working. Too much to keep up on, and not worth the aggravation of having to do a tax ...
by J295
Mon Oct 15, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Buyers commission on a condo purchase
Replies: 15
Views: 1068

Re: Buyers commission on a condo purchase

Curious as to why you would go with another agent?
by J295
Mon Oct 15, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: Better to invest in taxable and not deferred?
Replies: 29
Views: 2712

Re: Better to invest in taxable and not deferred?

In our case it seems to have worked out well to use up all the tax deferred space. I was in a relatively high income profession, so the tax rate was high and we put everything possible into tax deferred, including contributions by the firm. Retired at 53, and 2/3 of assets are tax deferred and 1/3 a...
by J295
Fri Oct 12, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much assets to self insure (Life) ?
Replies: 14
Views: 613

Re: How much assets to self insure (Life) ?

Is it term? Level premium for how long? Personally, if I were in your shoes I would keep the policy in place if the cost is reasonable. I at least keep term coverage until the kids were grown and into college. Now we are 59. We retired at 53. Don’t need the insurance anymore, but it is on a level te...
by J295
Fri Oct 12, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is the ACA PTC income limit for 2018?
Replies: 13
Views: 583

Re: What is the ACA PTC income limit for 2018?

Take a look at the Kaiser calculator
by J295
Fri Oct 12, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5616

Re: Who worries about a bear market in stocks?

And to think just a few weeks ago there were threads like…

100% equity is the way to go

Age in bonds is so old school and wrong because everyone should be more aggressive in equities

:D
by J295
Thu Oct 11, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 33
Views: 2653

Re: anybody sell I Bonds to buy something else?

No. We bought them to keep them as part of our non-equity portfolio.
by J295
Thu Oct 11, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 44
Views: 2826

Re: Which one: Lyft or Uber?

Get both. Some drivers drive for both. Both sometimes run specials
by J295
Thu Oct 11, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Copy/paste from sister's Living Trust?
Replies: 18
Views: 1445

Re: Copy/paste from sister's Living Trust?

Ask your friend, the lawyer
by J295
Thu Oct 11, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: This Time is Different
Replies: 30
Views: 5355

Re: This Time is Different

Ah .... fear and greed ... unwelcome travel companions for our pilgrimage ....
by J295
Wed Oct 10, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: When stocks and bonds drop at the same time, what do you do?
Replies: 40
Views: 4372

Re: When stocks and bonds drop at the same time, what do you do?

"Drop at same time ..."

Today
SPY down 3.17%
Bnd down 0.08%

2008
SPY down 37%
Barclay Aggregate Up 5.24%

Nothing to do per our IPS. We'll check AA at the end of year (we check quarterly).
by J295
Wed Oct 10, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Does the Boglehead ever see a unique opportunity for investment?
Replies: 17
Views: 1744

Re: Does the Boglehead ever see a unique opportunity for investment?

Partnership interest in firm in which I practiced, and local private investments where I know the principal.
by J295
Wed Oct 10, 2018 9:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546273

Re: Stocks tumbling?

Measure in years, not days or weeks or months.
by J295
Tue Oct 09, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Car Gurus ... Air Filter Recommendations
Replies: 22
Views: 1521

Car Gurus ... Air Filter Recommendations

Please recommend brand of air filter and where to purchase. Going to replace cabin air filter and engine air filter in Lexus GX 460. Thanks.
by J295
Tue Oct 09, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3816

Re: How to get over paper loss?

It's not easy, but with some work it does get easier. And, if you are going to be in the market (which to some degree depending on personal circumstances is advisable), you should find a way to get used to it (otherwise fear and greed will lure you into poor decisions). Two times come to mind .... S...
by J295
Tue Oct 09, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 18
Views: 1683

Re: Fidelity or Vanguard

We have accounts at both. Over 36 years at Fidelity and very satisfied. Majority of assets and checking there.
by J295
Mon Oct 08, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3321

Re: What are your strategies when shopping for a house?

Weren't planning to move when we got word on a Tuesday from the owner (a friend) that her home on the golf course on the cul-de-sac we love was going to be listed. That Thursday we visited the property with our contractor, reviewed the inspection report, then bought it on next Monday. (No agent on e...
by J295
Mon Oct 08, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 5500

Re: Geico umbrella us dropping me. What can I do?

Dropping insureds happens. Personally I would enjoy more loyalty, but that's not how it works.
I'm fairly certain you will need to move all policies to another insurer to get umbrella coverage.
by J295
Mon Oct 08, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?
Replies: 42
Views: 2767

Re: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?

Some posters have been concerned about being in the market since it breached 10,000 ..... posts about being afraid to invest/or afraid to stay invested are rather common .... but some like to sing the refrain "this time it's different...." Will there be speed bumps, with some of them more like cliff...
by J295
Mon Oct 08, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs
Replies: 23
Views: 2050

Re: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs

We have been at Fido 36 years .... Our "checking" there is in SPAXX by default (no other money markets or investments in this account) and as of today the 7 day yield is 1.76%. There are also free ATM (we don't use much in US but do find it convenient internationally).
by J295
Mon Oct 08, 2018 1:15 pm
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6437

Re: Market decline in 2019 ?

Can’t predict short term behaviors of future markets with any reasonable degree of certainty.
by J295
Mon Oct 08, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Postponing the bonus to next year. Is it a good idea?
Replies: 30
Views: 1924

Re: Postponing the bonus to next year. Is it a good idea?

Research the constructive receipt doctrine
by J295
Sun Oct 07, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4465

Re: Should I, and how, act on changes in managing diet and health?

Food consumption is not altering my index investing.
by J295
Sat Oct 06, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Stress testing for those contemplating retirement in the next couple years
Replies: 28
Views: 2773

Re: Stress testing for those contemplating retirement in the next couple years

Retired 6 years ago at age 53. No stress test but did track expenses for 5 years and had a few safety nets (no debt, seven year payout on partnership buyout, didn't factor in home or social security as assets, etc.). Figured then and think now that if things get rough we'll find a way to make $$ and...
by J295
Sat Oct 06, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Harvesting LTCG at 0% Rate and ACA MAGI
Replies: 4
Views: 364

Harvesting LTCG at 0% Rate and ACA MAGI

Typically there is dialogue around tax loss harvesting. We've been lucky in that we've been invested and holding for so long there hasn't been anything in taxable to harvest for a loss for quite some time. But, there are unrecognized gains and now in retirement we may want to harvest some to take ad...
by J295
Fri Oct 05, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Calculating 2018 Tax Liability
Replies: 18
Views: 1670

Re: Calculating 2018 Tax Liability

OP Sketch out your 2018 financial situation rounding to the nearest thousand dollars and post it and we will give you an estimate. Be sure to let us know your filing status Also, probably a little late in the game to be very concerned about estimates. Moreover, missing an estimate results in interes...
by J295
Thu Oct 04, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: CD strategy
Replies: 15
Views: 2005

Re: CD strategy

We have a five year ladder
by J295
Thu Oct 04, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Dentist bill came 4-5 months later, is this unreasonable?
Replies: 28
Views: 2201

Re: Dentist bill came 4-5 months later, is this unreasonable?

There is a material difference between being thrifty and being cheap. No offense intended, and perhaps you are in the process of determining what that difference means for you. Your SO intentionally set up an appointment with a business that in large part sells services (in this case examination req...
by J295
Thu Oct 04, 2018 5:07 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 439
Views: 49143

Re: Your USER NAME...what does it mean?

About 10 years ago I was playing golf with my close friend, and on the 18th tee we were talking about Jesus… I then hit a solid drive 295 yards and he commented that talking about Jesus was a good topic for me..... thus, J295
by J295
Wed Oct 03, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: [CNBC article: Don't expect to retire at 70]
Replies: 60
Views: 6223

Re: Is this ignorance or intentionally misleading?

I thought if somebody published something on tv or the Internet it had to be true. 😃
by J295
Wed Oct 03, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Need Health Insurance (Non-ACA Options)
Replies: 77
Views: 4907

Re: Need Health Insurance (Non-ACA Options)

I don’t want to be snarky at all with this comment, but the reality is health insurance is very expensive and there are not many (or any?) great alternatives. I know from experience as a former partner in a professional organization. You know that one possible alternative is you and your spouse not ...
by J295
Wed Oct 03, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating 2018 Tax Liability
Replies: 18
Views: 1670

Re: Calculating 2018 Tax Liability

How about a back of the envelope calculation, using your last year 1040 as a form.
by J295
Tue Oct 02, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: My bank and absurd policy for "no fee"
Replies: 51
Views: 4194

Re: My bank and absurd policy for "no fee"

Doesn’t seem absurd to me.
by J295
Tue Oct 02, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 55
Views: 3881

Re: Tipping

If you can afford the service, then tip. If it stretches you to pay for the service , do the nails yourself. It’s customary to pay a tip for someone doing your nails. Calling them the owner to not tip is rationalizing not following the social custom. You certainly don’t have to tip, just recognize t...
by J295
Tue Oct 02, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Why is Home Part of NW [Net Worth]
Replies: 98
Views: 6693

Re: Why is Home Part of NW [Net Worth]

One can always count on the tipping or house as net worth threads for robust dialogue
by J295
Sun Sep 30, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3098

Re: Anyone ordered a vehicle through a dealership?

applejack123 » Sun Sep 30, 2018 7:46 pm The problem is, is that incentives and rebates go by where you will be registering the car. So it don’t help to fly acrosss the country. All dealers pay the same price for the car. Rebates are regional. Not sure about this statement, but know that dealer in D...
by J295
Sun Sep 30, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Best Options for Line of Credit
Replies: 2
Views: 361

Best Options for Line of Credit

Haven't had debt for years. Good credit score, home and vehicle free and clear, and plenty of investments (taxable and non-taxable). Mostly retired with some self employment income. We successfully manage our income to keep MAGI (modified adjusted gross income) below the ACA (Affordable Care Act) th...
by J295
Sun Sep 30, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3098

Re: Anyone ordered a vehicle through a dealership?

We got online bids from 8 dealers for identical new SUVs then purchased from the low bidder. Used points and flew to the dealer, picked it up, and
drove it home. Local dealer said they could locate and sell us the desired vehicle, but their best price was $4k higher.
by J295
Sun Sep 30, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Now or Wait
Replies: 18
Views: 1574

Re: Retirement Now or Wait

We transitioned six years ago at age 53… Right in my peak earning years… Decided not to be impacted by the OMY syndrome (one more year syndrome) .... extremely happy with our decision. I’m more sensitive of the finite amount of time that is available to us rather than our apparently adequate financi...
by J295
Sat Sep 29, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 47
Views: 4428

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

Son has gone without for 10 years quite easily in Boston and SF.