Search found 352 matches

by dewey
Mon Dec 17, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and separate accounts - how does it work?
Replies: 96
Views: 4547

Re: Marriage and separate accounts - how does it work?

This is my second marriage, her first. We've been married 23 years, together 26. Both retired. Prior to retirement I made more money so I assumed a greater share of all major expenses, e.g. mortgage, taxes, entertainment, etc. Now we split most costs, but I still fund most entertainment costs and a ...
by dewey
Thu Dec 06, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 366
Views: 21076

Re: What are others paying for property taxes around the US?

$5000.00 a year for a 2050 sq. ft. one level built in 2014. Vancouver, WA
by dewey
Sun Dec 02, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Another RMD Query
Replies: 4
Views: 446

Another RMD Query



I'll turn 70.5 on December 28, 2019. That is the year I have to take my first RMD (unless I postpone into 2020--which I won't). My question is, since 2019 is when I turn 70.5, can I begin doing RMD withdraws anytime during the year or do I have to wait until the magical 70.5 is reached? Thanks.
by dewey
Fri Nov 16, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3464
Views: 1026429

Re: What Book Are You Currently Reading? Part VI

"Professor at Large" by John Cleese. A smart and witty work. Interesting storyline of how he was invited to teach at Cornell. Great read.
by dewey
Fri Nov 16, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1814

Re: One food I could never give up

Pizza/pasta. Both so versatile.
by dewey
Mon Oct 15, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Kids and Money
Replies: 38
Views: 1888

Re: Kids and Money

Congratulations on your upcoming baby! This is more of a parenting question than a financial question. Your unborn child's first jobs will be controlling their neck, crawling, walking, talking. S/he will work hard at this, with your encouragement and teaching. S/he will continue to work to work upo...
by dewey
Tue Sep 11, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: RMD will turn 70 in Nov. 2018
Replies: 22
Views: 1820

Re: RMD will turn 70 in Nov. 2018

I turn 70 and 1/2 on December 28, 2019. But I won't know the amount my RMD is based on until Dec. 31, correct? Which means I can't make a payment until January 2020 at the earliest. It sounds like I have to make two payments in 2020? Every year the RMD amount is determined on December 31st I though...
by dewey
Tue Sep 11, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: RMD will turn 70 in Nov. 2018
Replies: 22
Views: 1820

Re: RMD will turn 70 in Nov. 2018

I turn 70 and 1/2 on December 28, 2019. But I won't know the amount my RMD is based on until Dec. 31, correct? Which means I can't make a payment until January 2020 at the earliest. It sounds like I have to make two payments in 2020? Every year the RMD amount is determined on December 31st I thought...
by dewey
Sun Sep 09, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5941

Re: Using your home as old age care self-insurance?

"Once I get that bad I want the cocktail. I don't see the point of wasting all that money just so that I am only surviving not living."

That. (posted by carefree).
by dewey
Sun Aug 26, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: What to put in a care package for college student
Replies: 44
Views: 2777

Re: What to put in a care package for college student

In addition to the many good food suggestions above, some peanut butter and jelly or honey along with crackers. Canned nuts. Canned fish (I always liked sardines and kipper snacks).
by dewey
Mon Aug 13, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 22161

Re: "Don't Obsess About Expense Ratios"

When Vanguard was thumping the competition with unbelievably low ER's, it made sense for that cost to be a significant factor when choosing a provider. But once the fees are close to identical or with very little difference, it loses its compelling consideration compared to the past. That's what I t...
by dewey
Sun Aug 05, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 64
Views: 6669

Re: What's you safety deposit box fee?

$50.00 year for a medium size box from our credit union.
by dewey
Sat Jul 07, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 307
Views: 53969

Re: That Extravagant Thing You Do

I buy a new car every few years. I enjoy cars and though I'd be a wealthier man not doing it, I'm like a moth to the lights. My wife always says "You deserve it. You worked hard your whole life and you get real pleasure from a nice car." Otherwise...fairly smart about spending. 69 and drawing only 2...
by dewey
Thu Jul 05, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 6033

Re: How to tip

youngpleb wrote:
Wed Jul 04, 2018 4:48 pm
20%-25% pre-tax for adequate to good service, down to 15% for bad service.
+1
by dewey
Sun Jul 01, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8700

Re: What % of your equity is int’l?

30% of equities is Total International Index
by dewey
Thu Jun 21, 2018 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Question
Replies: 4
Views: 629

RMD Question

RMD Question. I turn 70 on June 28 (2019) so I’ll be 70 1/2 on December 28 (I’m guessing). So that will be the year that determines my first payment which I'll make in 2020. I’d like to do charitable giving within the RMD, but, can’t make any donation prior to being 70 1/2 as I understand it. That’s...
by dewey
Mon Apr 23, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 4023

Re: Looking to purchase new car/SUV

CR Buying Guide 2018, page 194 shows the trouble spots for the RDX. The most recent year they address is 2016 which gets high marks for reliability in all categories except in car electronics. But CR's reviews include ride, comfort, styling, etc. Much of that is individual preference. My focus was o...
by dewey
Mon Apr 23, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 4023

Re: Looking to purchase new car/SUV

Look at CR Annual Review of all vehicles to see reliability of individual models. There's another site that consults individual owners about all makes where they log any/all problems. The RDX is a top performer. I'm out the door to an appointment now and will locate it later. But start with your sou...
by dewey
Mon Apr 23, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Looking to purchase new car/SUV
Replies: 51
Views: 4023

Re: Looking to purchase new car/SUV

CR ranks the car manufacuters overall reliability etc as follows: 1. Genesis, 2. Audi, 3. BMW and #4 Lexus, #5 Porsche (see a trend here? Honda is 9, toyota 10 and Acura #22 (Acura has really dropped in CRs view). Where are you getting these numbers? Here is a October 2017 reliability report: https...
by dewey
Mon Apr 23, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: 2011 Acura RDX
Replies: 11
Views: 1300

Re: 2011 Acura RDX

The first generation RDX was amazing (2011 is First generation). Fun to drive. Super Handling All Wheel Drive (Acura's best system). The car has plenty of turbo charged zip. Handles really well. Reliable as heck. Acura's reliability has taken a hit recently but the RDX is exempt from the issues in a...
by dewey
Sun Apr 01, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 108
Views: 8047

Re: Customer Service with Vanguard

Overall I've been very pleased with customer service from Vanguard--and I've been with them for too many years to count.
by dewey
Sat Mar 24, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 63
Views: 9677

Re: Costco Kirkland Brand Liquor

I have a good friend who is frugal but not cheap. He always has bottles of Genlivet at his parties. I have known him for 15 years. I love Glenlivet on the rocks. I'm not a heavy drinker - only one or two drinks a couple times a week. Always enjoy his Glenlivet :D He confessed to me last year that h...
by dewey
Sat Mar 10, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bonds Bad Right Now?
Replies: 23
Views: 2862

Re: Are Bonds Bad Right Now?

I'm viewing rising yields as a case of short term pain for long term gain. I'm retired and in this for the long haul--I hope. So my AA dictates my bond holdings. We'll see if this was wise but I'm expecting in a few years these rising rates will stabilize bonds and they'll better be able to work the...
by dewey
Thu Mar 08, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard’s online RMD tool updated to facilitate QCDs
Replies: 21
Views: 1924

Re: Vanguard’s online RMD tool updated to facilitate QCDs

I start my RMD's next year too...but don't turn 70 and 1/2 until Dec. 28th. That's going to be tight for the QCD's. But if they get the checks cut and mailed before Jan. 1, 2020, that would seem to work okay? There has to be a way to avoid missing out on the QCD's otherwise it's not fair to some fol...
by dewey
Mon Feb 19, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 12062

Re: Do you wear a wedding band? [at a job interview]

Second marriage. My wife's first. I didn't want a ring, she did. And she was fine with my not wanting one. When I interviewed, I openly spoke about family when asked. And it was obvious I didn't wear a ring. My wife's ring was special made and she likes it. But only wears it these days as jewelry fo...
by dewey
Sat Feb 03, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21649

Re: For BHs who actually like cars - what is your daily driver?

2016 Acura RDX Advance, 6 cylinder. Great car. DW has 2014 Mazda GTS.
by dewey
Thu Jan 11, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: anyone else enjoying an afternoon nap in retirement?
Replies: 19
Views: 2157

Re: anyone else enjoying an afternoon nap in retirement?

On occasion--not routinely. If I meditate, sometimes I'll eventually slip into napville. It's great.
by dewey
Thu Dec 28, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 151
Views: 12714

Re: What non fiction book will you be reading in 2018?

pezblanco wrote:
Wed Dec 27, 2017 10:25 pm
cheese_breath wrote:
Wed Dec 27, 2017 8:20 pm
The Bible.
You might try "Letter To A Christian Nation" by Sam Harris ... you might think of it as an intelligent commentary on your own particular non-fictional choice. :D
+1
by dewey
Mon Dec 25, 2017 6:21 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 26798

Re: 2nd million is easier!

My portfolio is at 1,700,000.00. My wife's is separate. But I'm now drawing from it at a rate of 2.9% a year roughly, starting in 2018. I'm 68. Are there other retirees with no future wage earnings whose portfolio keeps pushing their net worth higher? That's the only way I'll break the $2 threshold.
by dewey
Tue Dec 19, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 104
Views: 13811

Re: Any Instant Pot users here?

So far I only do hard boiled eggs (perfect every time) and brown basmati rice (perfect every time). I haven't made any regular recipes because so many call for stopping and starting the IP and I'm not sure footed about all that. Plus so many of our recipes are well established using traditional mean...
by dewey
Tue Nov 28, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 6974

Re: How Do You Stay Current With Popular Music?

I listen to Sirius stations when I drive that are contemporary and alternative rock. I also shazam music everywhere I go. The new stuff I like, I then purchase on iTunes and then assemble playlists as I go. I make 3-4 new playlists a year. I then burn discs as gifts to a small circle of friends who ...
by dewey
Sun Nov 12, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 142
Views: 14835

Re: Do you meditate?

I do, and always enjoy it. I don’t do it daily which I want to commit to. I just downloaded Headspace app. Thanks for that suggestion.
by dewey
Thu Nov 02, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: New 2 comma member
Replies: 28
Views: 3346

Re: New 2 comma member

:sharebeer

Wonderful and good for you. It’s an accomplishment and you did it.
by dewey
Sun Oct 15, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 13718

Re: New mattress

We’re having a new Pure 100% latex mattress delivered next week. My research led us to latex. Our current foam mattress has worked well but we’re excited for the latex upgrade.
by dewey
Sun Oct 15, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 10302

Re: What are you driving? And would you buy your current ride again?

Wife has a 2014 Mazda 3 GTS. It has all the new safety features. Sporty ride and drive. And we average 30 mpg in mixed driving. She loves the car. Would definitely buy again. I drive a 2016 Acura RDX. Terrific vehicle in literally all ways. This is our AWD vehicle and would purchase again in a heart...
by dewey
Sun Oct 08, 2017 11:22 pm
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 8848

Re: Has your "risk tolerance" been tested?

My wife and I both agreed that we should do absolutely nothing. And as I've said, the right description of 2008-2009 was not "we stayed the course" but "we froze like deer caught in the headlights." I'm a fraidycat and have always had "too conservative" an allocation. As a matter of fact in 2007 I ...
by dewey
Thu Oct 05, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 13856

Re: Millionaire Next Door (Thank you Bogleheads)

Always great hearing the two comma news. Good for you!!!
by dewey
Wed Oct 04, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 5279

Re: another 2 comma club member

Awesome...with a side of awesome sauce. Congrats!!!
by dewey
Wed Oct 04, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Does anyone hold cash?
Replies: 58
Views: 7854

Re: Does anyone hold cash?

Retired, holding approximately 2 years living expenses in cash.
by dewey
Sat Sep 30, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 5398

Re: Waxing my car!

I use Griot's Poly Wax. It is very easy to apply and remove. One of the easiest I've ever used. It gives a really nice shine. And is extremely durable and long lasting.
by dewey
Sun Sep 24, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 14534

Re: Lifestyle Creep

I'm 68, my wife is 65--both retired. Our house is a regular 3 bedroom 2 bath. We clean it ourselves. We do all the yard care and mowing (smaller lot of course). I clean the gutters. We wash our windows when our mostly younger neighbors hire it out. We cook most of our meals at home but when we go ou...
by dewey
Fri Sep 15, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Personal Milestone-this is the only place to share
Replies: 21
Views: 2928

Re: Personal Milestone-this is the only place to share

Excellent--congrats! Puts a bounce in your step today...
by dewey
Sun Sep 03, 2017 1:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 23952

Re: [Are the Bogleheads] getting less interesting?

“The measure of an education is that you acquire some idea of the extent of your ignorance.” Christopher Hitchens
by dewey
Fri Sep 01, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 57
Views: 6861

Re: Are Roomba's effective?

We have the 800 series and I wouldn't buy one again. It's cleaning capacity is mediocre compared to a vacuum cleaner or stick. Basically worthless on carpet so we only run it on hard surfaces. You have to prep the spaces it will run in or else it's likely to get stuck. Since it has these operational...
by dewey
Tue Aug 08, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 2585

Re: Question for Buick Verano (non turbo) or Mazda3 owners

My wife has a Mazda 2014 Grand Touring Sport w/automatic transmission (purchased new). Great car. Handles well. Has all the modern safety features. Terrific gas mileage. No behavior issues to date. I enjoy it too. I like a bit more comfort and quieter ride but this is a sportier car and that explain...
by dewey
Tue Jul 18, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 35
Views: 5374

Re: Good Service for Flagship Investors

My first Flagship Rep was outstanding. He was promoted and his replacement was not as stellar. I made a change and my current Rep is terrific. Prior to Flagship all my service was very good. I've been with Vanguard a long time and would give their service two thumbs up.
by dewey
Thu Jul 06, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 18649

Re: How did you handle the costs of your child's wedding?

I told my daughters--many decades ago--when they got married they'd get $10,000.00 each to use as they chose (wedding fun, honeymoon travel, toward house down-payment---up to them). My younger daughter asked what would happen if they didn't get married. I said "Then you get $20,000.00"
by dewey
Tue Jun 06, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Expense Ratio Advantage
Replies: 37
Views: 4050

Re: Vanguard Expense Ratio Advantage

The others have lowered their ER's for one reason as far as I can tell--Vanguard was eating their lunch. Had Vanguard never existed what's the chance they'd do what they're doing now? I give Vanguard my business in part to support them for having supported me--over the long haul.