Search found 1817 matches

by J295
Sun Jan 20, 2019 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 60
Views: 8390

Re: Fidelity Rewards Visa Card

Can someone explain further how to get the 2% rebate out of Fidelity? The specific steps. Right now it goes to my wife's Roth IRA which is only complicating our portfolio management, that's the only reason that account is at Fidelity. Thanks! Rather than walk you through step by step, I suggest you...
by J295
Sun Jan 20, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?
Replies: 39
Views: 1596

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Eddie Bauer Travex Meets all your requirements. Note: some of the credit cards offer reward miles and also include a statement credit for global entry application fee. I can't recall off the top of my head which cards had this feature, but I know some did and we took advantage of it. Should be easy ...
by J295
Sun Jan 20, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 23
Views: 1096

Re: Wills- Options other than family/charities?

OP. In a prior post you stated you wanted to leave your children "as little as possible." Now you are asking who might be considered other than family and charities ..... give us a hint, who/what are you considering as potential recipients of your assets upon your death? Perhaps if we had a sense of...
by J295
Wed Jan 16, 2019 5:32 pm
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7363

Re: When would you stop being a Boglehead?

I would use an advisor if I decided I didn’t want to deal with or wasn’t capable of dealing with the details of financial matters anymore.
by J295
Wed Jan 16, 2019 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 213
Views: 14652

Re: Why are your NOT buying rental properties?

Real estate is fine for the right person. Like my dad, my nephew, my sister-in-law, all of whom have seven-figure real estate portfolios — some commercial and some residential. I never interested me. I was busy enough in my profession and helping my spouse raise a family. My work was financially rew...
by J295
Wed Jan 16, 2019 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Bonds vs. CDs
Replies: 31
Views: 1885

Re: Bonds vs. CDs

Bonds versus CDs… I choose both/and rather than either/or
by J295
Tue Jan 15, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 174
Views: 9991

Re: Are You Dumping Netflix?

Keep.
by J295
Tue Jan 15, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2747

Re: School staff threatened to call social worker

Follow the school rules (including requesting any waiver or such if available), or if you will be in violation accept the consequences of your choice.
by J295
Sun Jan 13, 2019 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: What is right place for MLPs in portfolios?
Replies: 20
Views: 1350

Re: What is right place for MLPs in portfolios?

EPD is k1. Mine come electronically, usually a few months into the year.
by J295
Sat Jan 12, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: How Long Should I Keep Financial Records of Deceased Relatives
Replies: 20
Views: 1422

Re: How Long Should I Keep Financial Records of Deceased Relatives

We have 7 years of tax returns and work papers. When this year's return is filed the oldest records will be tossed.
by J295
Sat Jan 12, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 3965

Re: Brake fluid replacement?

To all who have generously responded. Very helpful ... thank you. I am following the manufacturer's recommendations (not dealership, which hasn't ever suggested anything different). For $130 every 30k miles I think I'll play it conservative (like our asset allocation, haha) and get it done as I have...
by J295
Sat Jan 12, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 69
Views: 3965

Brake fluid replacement?

Lexus recommends break fluid replacement every 30,000 miles. Opinions on the Lexus forum are mixed on whether this is necessary. At this point, I have had it replaced at the dealership at 30,000 miles and 60,000 miles. As a point of reference, this vehicle gets a lot of highway miles – – 70k miles i...
by J295
Thu Jan 10, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: Is there a Nassim Taleb portfolio?
Replies: 38
Views: 4351

Re: Is there a Nassim Taleb portfolio?

Flaneur.... brings to mind The Razors Edge by Maugham
by J295
Thu Jan 10, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 5619

Re: How did you solve the pre-medicare healthcare riddle?

Shortly after I retired at age 53 the supreme court affirmed the constitutionality of the affordable care act. We have been on it since that time. We keep income below the cliff and the premiums ( net of the premium tax credit) are extremely low. In fact, for 2019 the premium is $0 for a bronze plan...
by J295
Wed Jan 09, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: For those with Credit card linked to their fidelity account
Replies: 0
Views: 203

For those with Credit card linked to their fidelity account

PSA. For a long time we have had a credit card where the rewards went directly into our Fidelity account. For a few years now, Fidelity has been advertising that the rewards are 2% in this situation. I checked at year end, and we were receiving only 1.5%. Apparently, when I signed up for the initial...
by J295
Wed Jan 09, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: Weekend in “west” ... recommendations
Replies: 17
Views: 1213

Re: Weekend in “west” ... recommendations

Good suggestions on locations and logistics. Thank you all. As a point of reference, the core family group has traveled together to 41 of the United States and a number of foreign countries starting when the youngest was four, so we have a pretty good understanding of logistical considerations. This...
by J295
Wed Jan 09, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Weekend in “west” ... recommendations
Replies: 17
Views: 1213

Weekend in “west” ... recommendations

Two 60 year-olds, five 30 somethings, and a two-year-old are going to get together for a long weekend in May in either Montana, Idaho, Utah, or New Mexico. We will all be fine experiencing almost any sort of interesting environment .... urban, adventuresome, etc. Ease of travel by air from San Franc...
by J295
Tue Jan 08, 2019 6:29 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6199

Re: Fell in Love with Fidelity

OP. Good for you! We have been with Fidelity for over 35 years and have been generally quite pleased. Your three funds at Fidelity should provide some flexibility along with your other investments outside of Fidelity to maintain the asset allocations as you desire. According to the boglehead wiki th...
by J295
Sun Jan 06, 2019 7:45 pm
Forum: Investing - Theory, News & General
Topic: For those retired a few years
Replies: 58
Views: 4766

Re: For those retired a few years

Health insurance went down. When I was a partner in my firm it was about $18,000 a year six years ago, while this year it’s $0 under the affordable care act. Travel costs increased substantially because we visit children and grandchildren across the country, and pay travel for them to come see us.
by J295
Sat Jan 05, 2019 12:02 am
Forum: Personal Consumer Issues
Topic: Retirees: any major goals for 2019?
Replies: 72
Views: 4447

Re: Retirees: any major goals for 2019?

While I don't set goals, I have five focus areas that get the lion's share of my time and attention. (In the interests of disclosure the 5/25 Rule is attributed to Warren B). For me they are:

Marriage/Family
Spiritual/Daily Examen
Golf (process and goals)
Travel
Fitness/nutrition/sleep
by J295
Wed Jan 02, 2019 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Return Rate for Modeling SWR in Retirement?
Replies: 4
Views: 279

Return Rate for Modeling SWR in Retirement?

I'm fiddling around with a spreadsheet on withdrawal rates and wondering what might be a reasonable percentage to use for the rate of return? I already have the % withdrawal and the inflation % numbers. I realize there is a range of possibilities and I can plug in different percentages. I also know ...
by J295
Wed Jan 02, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: what do you think about my advice to my brother please help!
Replies: 24
Views: 2485

Re: what do you think about my advice to my brother please help!

Look into refinancing the loan. Our son-in-law has $200K of student loan and is in the process of refinancing at 3.5%. He told me that Sofi is all the rage, but they were not competitive. Instead, he is working with a bank in California, as that is where they’re located.
by J295
Tue Jan 01, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: Uber/Lyft where do you sit?
Replies: 42
Views: 3976

Re: Uber/Lyft where do you sit?

Back passenger side. Say hello and tell the driver I'm a friendly guy but that when I ride I read and don't visit. Then open my book and enjoy the ride.
by J295
Tue Jan 01, 2019 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k Indecision
Replies: 17
Views: 1249

Re: Roth 401k Indecision

Traditional .... 1. Immediate tax savings (I am impacted in this advice by your current income level). 2. Future tax rate projections are wild guesses at best. 3. There is a good chance you'll be able to manage withdrawals and use other tax savings strategies decades from now when it comes time to d...
by J295
Tue Jan 01, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve points
Replies: 19
Views: 2313

Re: Chase sapphire reserve points

We use on travel site where they are most valuable.
by J295
Tue Jan 01, 2019 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Can you help with a formula to calculate ....
Replies: 4
Views: 483

Can you help with a formula to calculate ....

Can you help me with a formula that I can use to calculate the amount I should have in my portfolio if I used a 4% withdrawal rate over the past five years assuming: Inflation rate of 1.5% per year Investments achieved a "Wellington like" return of 7.6% annually Is this sufficient info? I'm thinking...
by J295
Mon Dec 31, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: Happy New Year Do you have plans?
Replies: 37
Views: 1789

Re: Happy New Year Do you have plans?

58 years ..... awesome!
by J295
Mon Dec 31, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve
Replies: 50
Views: 5659

Re: Chase Sapphire Reserve

Both the Reserve and Preferred are excellent cards if the sign up bonus is at their normal levels. We've had both multiple times for the sign up bonuses. Fyi, we also like the United Explorer card due to sign up bonus and thereafter for free bags. We use the Hyatt card as it is a $75 annual fee for ...
by J295
Mon Dec 31, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Choice for Rollover IRA ?
Replies: 2
Views: 164

Brokerage Choice for Rollover IRA ?

Daughter and SIL are rolling over her 403b and 457 into an IRA. She and we have had great experiences with Fido over the years and are spring loaded to recommend they do the rollovers there (she has been teaching and he is just commencing his career in Big Law, so assets are meager now but should gr...
by J295
Sun Dec 30, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Etiquette of selling used items
Replies: 20
Views: 1676

Re: Etiquette of selling used items

OP. Did this facebook group have posted rules? My spouse tells me that '"marketplace" on FB is basically first pay gets item. However, other groups (such as MyCityConsign) do have specific rules that include going down the inquiry list is order and giving the person in line X number of hours after y...
by J295
Sun Dec 30, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage comparison
Replies: 7
Views: 740

Re: Brokerage comparison

Thanks for sharing.
by J295
Sun Dec 30, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Am I retirement ready?
Replies: 51
Views: 4889

Re: Am I retirement ready?

Recognizing that everyone is wired differently, I will tell you that I transitioned away from a professional career six years ago at age 53 and it has been a fantastic adventure for me and my family. I was in my peak earning years, and never gave leaving that money behind a second thought. For some ...
by J295
Sun Dec 30, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Online Savings Accounts
Replies: 14
Views: 1753

Re: Online Savings Accounts

Fidelity. The account there that we call our “checking” is automatically in a money market fund that currently pays around 1.8%. We write checks out of that account and do online bill paying. We have ATM privileges that are free. Technically, you get charged on the account whenever you use the ATM, ...
by J295
Sat Dec 29, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Hassle Factor Changing Credit Cards
Replies: 23
Views: 1660

Re: Hassle Factor Changing Credit Cards

No hassle
by J295
Sat Dec 29, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: What is the best return and reliability on a checking account right now?
Replies: 23
Views: 1496

Re: What is the best return and reliability on a checking account right now?

Fidelity. Something around 1.8% now in our “checking “ .... technically I suppose it’s a brokerage account with a money market, but I can write unlimited checks and use bill pay… Very convenient
by J295
Fri Dec 28, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience with Chase Investment?
Replies: 18
Views: 864

Re: Anyone have experience with Chase Investment?

Thanks. Nice to get airline miles without having to do a credit card spend and deal with the 5/24 rule.
by J295
Fri Dec 28, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Tips to Save without hassle
Replies: 32
Views: 2245

Re: Tips to Save without hassle

OP ....

What are your top 5 expense categories, and $$$ amount for each? Which can be reduced?
by J295
Fri Dec 28, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience with Chase Investment?
Replies: 18
Views: 864

Anyone have experience with Chase Investment?

I’m thinking of moving some funds over to Chase Investment for 90 days in order to get 60,000 miles on their promotion. Other than the hassle factor, anyone have experience with Chase that would make this a troublesome idea? Between taxable and nontaxable accounts there will be no change in overall ...
by J295
Fri Dec 28, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Strategy/Approach to Negotiating with Commercial Real Estate Developer
Replies: 22
Views: 1244

Re: Strategy/Approach to Negotiating with Commercial Real Estate Developer

I’m guessing in a community the size of Austin there are only a few lawyers who really knows the lay of the land in something like this. Sure, there will be a lot of real estate lawyers, but not that many with superior insights on how this process really works. The superior ones may have conflicts, ...
by J295
Thu Dec 27, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: Why call them "losses" when you still own the shares?
Replies: 103
Views: 4887

Re: Why call them "losses" when you still own the shares?

Not quite the same here but still a nice thread as a cousin to the recent “net worth” dialogue.
by J295
Thu Dec 27, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Fulbright scholar
Replies: 7
Views: 824

Re: Fulbright scholar

Don’t know about the summer option, but one of our children did a year-long Fulbright in Madrid after college graduation. He enjoyed the experience and it is a nice resume addition.
by J295
Wed Dec 26, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: Help Me Think About the Future: How Do You Know When Your Risk Tolerance Changes?
Replies: 37
Views: 2397

Re: Help Me Think About the Future: How Do You Know When Your Risk Tolerance Changes?

Prepare an IPS with careful deliberation at a time when the market is not in a time of rapid decline or rapid advances. Then follow your IPS. While it is valuable to sleep well at night, consider that sleeping well at night is not the litmus test. Depending on temperament, one can sleep well with a ...
by J295
Wed Dec 26, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Self-Employed Health Insurance Premium deduction with Obamacare
Replies: 8
Views: 514

Re: Self-Employed Health Insurance Premium deduction with Obamacare

Spirit Rider is correct, as per usual. A tax whiz for sure Although you didn’t ask … Just to be sure, you cannot qualify for the premium tax credit if you were to attempt to do so ?? ..... You have maxed out your solo 401(k) and HSA and taken advantage of any losses or other MAGI reductions that may...
by J295
Mon Dec 24, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: AA and market [Asset Allocation - are you rebalancing?]
Replies: 39
Views: 2289

Re: AA and market

We review and reallocate to our age based allocation annually. Bands are rarely met at our quarterly reviews. This quarter of course is a year end so there will be reallocation. Retired and now age 59.
by J295
Sun Dec 23, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 48
Views: 4835

Re: anybody sell I Bonds to buy something else?

We are satisfied with the I Bonds in our account and don’t intend to change. We don’t need an emergency fund to speak of, and these are just part of our non-equity portfolio. They serve their purpose for us. Happy to have the 2.32% inflation rate for the current period ( technically 1.16% inflation ...
by J295
Sun Dec 23, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Email Accounts - How Many / Security / Best Practices
Replies: 46
Views: 3475

Re: Email Accounts - How Many / Security / Best Practices

Hotpancakes and Vulcan..... very helpful ... thanks for sharing your expertise.