Search found 1050 matches

by 4nursebee
Tue Oct 16, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Self directed or Checkbook IRA
Replies: 4
Views: 309

Re: Self directed or Checkbook IRA

Did you do a search of BH for "self directed IRA"? Lots of topics. Real Estate is extremely restricted, check out this thread: https://www.bogleheads.org/forum/viewtopic.php?t=255294 From the thread above: - You cannot manage or maintain it yourself or have a family member do it. You cannot put in ...
by 4nursebee
Tue Oct 16, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Self directed or Checkbook IRA
Replies: 4
Views: 309

Self directed or Checkbook IRA

Background: We have enough. Due to some fear of the unknown, not having direct heirs, and peace of mind that it offers we have considered annuitizing some (or a large) portion of our retirement assets. I'd posted to learn more about what others have done: https://www.bogleheads.org/forum/viewtopic.p...
by 4nursebee
Mon Oct 15, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5608

Re: Have you annuitized some of your money?

I have trust issues with insurance companies. Don't think I will ever annuitize anything. My distrust is not strong but I get this. There is fear in everything. In a way I would like to put all the money in a structure I've read about. I think it is a custodial trust IRA type of thing. From there I...
by 4nursebee
Sun Oct 14, 2018 4:01 am
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5608

Re: Have you annuitized some of your money?

If a sepia is purchased with retirement 401k fund, are payments taxed normally? I am reading more and think I am getting confused.
by 4nursebee
Sat Oct 13, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5608

Re: Have you annuitized some of your money?

We've annuitized about 1/4th of our portfolio. The products we used were an inflation-indexed single-premium immediate annuity from AIG Life Insurance Company, now renamed American General, and a TIAA-CREF lifetime payout contract with the "graded" payment option, which generates an imprecise, vagu...
by 4nursebee
Sat Oct 13, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5608

Have you annuitized some of your money?

Guaranteed monthly income and longevity insurance make an annuity seem appealing to me. It would also be a guard against some of the poor decisions I've made related to finances. We have no direct heirs. Legacy not important. For those that have gone the annuity route, how did you decide what produc...
by 4nursebee
Fri Oct 12, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Crawlspace flooding issues - builder liable?
Replies: 16
Views: 1039

Re: Crawlspace flooding issues - builder liable?

Liable, I do not know. Crawlspaces are generally not built for guaranteed dryness.

Put in a permanent solution- sump pump? Pay for it yourself.

Be done with this.
by 4nursebee
Thu Oct 11, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7108

Re: My life saved by New subaru. Almost died.

I hope I was one that preached for such eyesight... love ours.
by 4nursebee
Thu Oct 11, 2018 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Mold on inspection, need advice
Replies: 30
Views: 2231

Re: Mold on inspection, need advice

Not enough info.

I like blue cheese and penicillin.

I have water marks on my ceiling, slept well last night.
by 4nursebee
Thu Oct 11, 2018 6:52 am
Forum: Investing - Theory, News & General
Topic: What do you think of the Tesla craziness?
Replies: 25
Views: 2218

Re: What do you think of the Tesla craziness?

The Tesla "bull vs bear" debate is fascinating. Both side are convinced they are on the winning side. IMO, the bulls are financially illiterate, and perfectly illustrate why there is a huge gap between the rich vs the poor. I have a massive short position (with substantial paper profits at the curr...
by 4nursebee
Tue Oct 09, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Payoff debt with Roth contributions??? Change in circumstances?
Replies: 6
Views: 525

Re: Payoff debt with Roth contributions??? Change in circumstances?

The debt is not frivolous, it is low or no interest. House, modest car, farm equipment for hobby sideline business. I am reading the new millionaire book, really want to be more frugal. I recognize that low debt life offers many advantages. I am not willing to post in the required format to make som...
by 4nursebee
Tue Oct 09, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Payoff debt with Roth contributions??? Change in circumstances?
Replies: 6
Views: 525

Payoff debt with Roth contributions??? Change in circumstances?

1. Retirement is pending, possible (have 25X in retirement assets, does not include pensions/SS/RE). A health scare is having us think retirement is closer. Debt has been what has us stay working. HELOC + Car + Other is around 70 K. I am considering withdrawing Roth contributions 50 K to pay down mo...
by 4nursebee
Wed Oct 03, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Water Leak During New Home Construction
Replies: 40
Views: 2413

Re: Water Leak During New Home Construction

I am almost eight months into the build of a new home. The builder was nearing completion, but today called me and said there was a water leak overnight. It seems the water was turned on yesterday and the plumbers didn't stay at the home long enough to detect the leak. The leak came from a second f...
by 4nursebee
Sun Sep 23, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: Experiences (Ideas for)
Replies: 8
Views: 955

Re: Experiences (Ideas for)

Yes that is a good bucket list.

I guess I am more interested in what others did, found memorable or significant, and why. Everything is interesting before I do it...not so sure about after. Thanks.
by 4nursebee
Sun Sep 23, 2018 5:09 am
Forum: Personal Consumer Issues
Topic: Experiences (Ideas for)
Replies: 8
Views: 955

Experiences (Ideas for)

Hello. We have decent health and expect an average or better retirement. A common element or theme I pick up (online) is that money can best be used for experiences In building a wish/idea list for the future, I wonder what others have done that have been most memorable. What made it memorable? Who ...
by 4nursebee
Wed Sep 12, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 Owners: Your experience so far
Replies: 36
Views: 5990

Re: Tesla Model 3 Owners: Your experience so far

I wish the discussion would be kept to those that own the car and their experience thus far instead of digressing as many other Tesla subjects have/do.

Thank you.
by 4nursebee
Tue Sep 11, 2018 4:27 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6657

Re: Hurricane Florence - survival guide

If on septic, pre pump to empty...

I've heard a coastal hospital already evacuating.

The rumor mill churning strong already- "fifty inches of rain expected"

Stay off the roof, it is no time to fix the satellite or antenna and a bad time to clean the gutters.
by 4nursebee
Sat Sep 08, 2018 3:48 am
Forum: Personal Consumer Issues
Topic: Building a web site-how to, costs?
Replies: 13
Views: 796

Building a web site-how to, costs?

I have a new side line business. I expect to continue in this business until physically unable. I have used blogger or used google to have "blogs" in the past. I am not sure that those will be sufficient for what I would like to do. What I picture is having a web page or site as a landing. I would l...
by 4nursebee
Thu Sep 06, 2018 4:22 am
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2990

Re: New Bike Suggestion

by 4nursebee
Tue Sep 04, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Storage facility as investment.
Replies: 18
Views: 1641

Re: Storage facility as investment.

What did you learn from your patients?
by 4nursebee
Tue Sep 04, 2018 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4478

Re: Zelle, online payments

Is there a way to confirm that a payee has received the money? With checks I could see if a check was cashed, what happens with Zelle?
by 4nursebee
Mon Sep 03, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 4021

Re: Gentlemen: underwear shopping question

I think the BH approach would be to go commando on airlines and save the additional expense of special undies
by 4nursebee
Mon Sep 03, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for recently retired
Replies: 10
Views: 1249

Re: Investment advice for recently retired

I think this kind of comes down to personal choice when weighing ones circumstances. Stocks= risk, higher reward Bonds= Safety, lower reward. Choosing the mix is based upon how well one can stand the test of time. For me, Annuity, real estate, pensions, social security = my bond portion So I expect ...
by 4nursebee
Sat Sep 01, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Rental properties - Sell at a loss or hold on?
Replies: 14
Views: 1567

Re: Rental properties - Sell at a loss or hold on?

What do they rent for?
What is the management fee?
What is insurance and taxes?
Are there other fees?

If something is not part of my overall investment plan I stop doing it.
by 4nursebee
Fri Aug 31, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 68
Views: 6812

Re: Gardening 2018

Tonight we will likely eat the last two of our Pawpaws! 2nd year for a harvest, delicious. We hope to go to the Ohio Pawpaw festival one year. I will probably plant more this winter. Many grapevines died this past winter, not likely to replant. Blueberries filled our gullets, not so much the freezer...
by 4nursebee
Thu Aug 30, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4478

Re: Zelle, online payments

I set it up to pay on a private mortgage and to allow tenants to pay rent.
by 4nursebee
Thu Aug 30, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4478

Zelle, online payments

I just set up my Zelle account. Any pitfalls to be aware of? Has it worked well for you?
by 4nursebee
Wed Aug 29, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9627

Re: Landlord Nightmare

OP,
I just PMd you what I do, it has been working pretty well to cut down on the abuses.
by 4nursebee
Wed Aug 29, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9627

Re: Landlord Nightmare

I don't rent homes for facebook "Likes". Who does? But if you get a professional tenant who is skilled at using the law to avoid eviction while creating other issues, or you make a mistake involving FHA or state tenant rights laws to prospective or current tenants, watch out! You are looking at mon...
by 4nursebee
Tue Aug 28, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9627

Re: Landlord Nightmare

For the next house I buy I hope to be able to negotiate a purchase from some of these disgruntled LLs that want out of the business.
I don't rent homes for facebook "Likes".
by 4nursebee
Tue Aug 28, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Summer Day A/C Issues
Replies: 41
Views: 2235

Re: Summer Day A/C Issues

The 20 degree temperature drop mentioned is spot on, CORRECT. This temperature drop needs to be measured across the air inlet or air return, to the air outlets. The outside air at an actual heat pump has nothing to do with this 20 degree temperature drop. Drop discussion: http://hvac-talk.com/vbb/sh...
by 4nursebee
Tue Aug 28, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5445

Re: How to repel wild dogs?

Pepper spray is effective because the tear duct of a dog drains inward instead of outward like ours. Spraying a charging dog is not always easy. Two lifetimes ago I worked as a police officer. Responding to a call to assist the dog warden I exited my cruiser only to be surprised by a rather larger ...
by 4nursebee
Tue Aug 28, 2018 4:36 am
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5445

Re: How to repel wild dogs?

I heard of a wild pit bull like dog bothering someones chickens once, killing them for sport. Rakes did not work. It took seven shots with buckshot.
by 4nursebee
Sun Aug 26, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: New highs and portfolio growth in retirement
Replies: 10
Views: 1194

Re: New highs and portfolio growth in retirement

Retired @ 62.5 and wife @ 62 in late 2012. Unboglehead like moves: took SS so that our IRA would have chance to grow. Initial AA was 50/50. Our Withdrawal rate started at 4%. We have no home mortgage and at the time no car payment (Honda offered 1.9% financing so did that instead of paying cash). N...
by 4nursebee
Sun Aug 26, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: New highs and portfolio growth in retirement
Replies: 10
Views: 1194

Re: New highs and portfolio growth in retirement

Thank you, keep it coming.
After reading Homer's post, hoping some longer retirees weigh in.
I'm starting a list of what everyone says, hope to keep it as evidence when cord cutting time comes. I'll post a summary later.
I know the markets have been good of late, longer retirees speak up!
by 4nursebee
Sun Aug 26, 2018 7:16 am
Forum: Investing - Theory, News & General
Topic: New highs and portfolio growth in retirement
Replies: 10
Views: 1194

Re: New highs and portfolio growth in retirement

Thanks for that. I'm not really looking for portfolio specific advice for my situation, more so an understanding of real world portfolio performance over time, when retired, from those that have gone before me. I find it tough to believe the Firecalc scenarios showing 5 or 10 times portfolio growth....
by 4nursebee
Sun Aug 26, 2018 6:44 am
Forum: Investing - Theory, News & General
Topic: New highs and portfolio growth in retirement
Replies: 10
Views: 1194

New highs and portfolio growth in retirement

Hello all, So we have reached the point of being able to FIRE a few years early. Firecalc suggests we will die with more money than we have now while maintaining or exceeding current lifestyle. Debt and some fear has us working one more year. In one year our primary mortgage should be paid off and w...
by 4nursebee
Fri Aug 24, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 13675

Re: 2000-2018 retirement - sequence of returns

The scary examples suggest to me to use the VPW method.
Or, take 4% of assets each year, not of the starting balance.
by 4nursebee
Thu Aug 23, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5412

Re: Test your cognitive biases

Comparison is the thief of joy.
by 4nursebee
Sun Aug 19, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Capital allocation
Replies: 5
Views: 381

Re: Capital allocation

How do your expected expenses compare to the sum of your pensions, Social Security, and annuity income? That will tell you a lot about your best investment options. In another year when HELOC is paid off and perhaps another two for other debt (tractor and car) the guaranteed portions of retirement ...
by 4nursebee
Sun Aug 19, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Capital allocation
Replies: 5
Views: 381

Re: Capital allocation

It seems that additional information would help you get more complete answers. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Try posting in the normal manner for portfolio questions. VTI could be a great choice, or not depending on your long term goals. Thanks for the answer on VTI. I'm...
by 4nursebee
Sun Aug 19, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Capital allocation
Replies: 5
Views: 381

Capital allocation

Background: 2 pensions expected, one can start now. Annuity, not yet annuitized. RE: decent return and income. One social security check possible in one year 401K, mostly all SP500 ROths, IRA: Sold stocks, want to invest. 25-30 X total, We are willing to be in stocks given the relative stability of ...
by 4nursebee
Sat Aug 11, 2018 4:26 am
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25536

Re: Invest in Tesla?

Self driving car white paper follows. I think I saw a principal in the company suggest $4000 price target next 5 years http://research.ark-invest.com/hubfs/1_Download_Files_ARK-Invest/White_Papers/Self-Driving-Cars_ARK-Invest-WP.pdf?hsCtaTracking=e1ba6de4-092d-49d3-96f1-4842a8352a59%7C6b53c09b-7846-...
by 4nursebee
Tue Aug 07, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Private company ownership
Replies: 1
Views: 264

Private company ownership

Too little is known at this point but Tesla might well go private. I own some, am willing to hold for many years, but how does it work for me if they go private?

Has anyone been through this before? My guess is everyone truly gets bought out, at least in the past.
by 4nursebee
Tue Aug 07, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25536

Re: Invest in Tesla?

Trading halted
by 4nursebee
Tue Aug 07, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25536

Re: Invest in Tesla?

How does the process of going private work? Doesn't this have to get voted on?
by 4nursebee
Thu Aug 02, 2018 12:47 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25536

Re: Invest in Tesla?

:sharebeer
by 4nursebee
Wed Aug 01, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25536

Re: Invest in Tesla?

The conference call and many things about it suggest they are executing well, have firm plans for the future, and are doing things well.
by 4nursebee
Tue Jul 31, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25536

Re: Invest in Tesla?

For those that have opinions on Tesla as a company to invest in (or to avoid due to its lack of future prospects, not because it is non BH), what are you opinions or thoughts on the energy aspects of its product offerings? I have little hope to fully comprehend such things but the future seems posi...
by 4nursebee
Tue Jul 31, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 61
Views: 41071

Re: Worth it to get 300 Mbps internet?

I would go faster.