Search found 1462 matches

by 4nursebee
Sat Jul 04, 2020 6:56 am
Forum: Personal Finance (Not Investing)
Topic: What to do with all this MONEY ?
Replies: 64
Views: 5833

Re: What to do with all this MONEY ?

Good job.

Your son is better off now than I was at his age. Now @52 we have FIRE money.

I'd start with the Condon book, Beyond the Grave. It goes over many of the things you are concerned about. https://www.amazon.com/Beyond-Grave-Rev ... B00LEYI4S6
by 4nursebee
Sat Jul 04, 2020 4:29 am
Forum: Investing - Theory, News & General
Topic: Tesla becomes most valuable car company in the world
Replies: 57
Views: 4127

Re: Tesla becomes most valuable car company in the world

Dan used to subtly poke fun at a member that had a minimum $2000 price target (way before Cathy Woods started getting airplay). It would be intellectually honest for Dan to still be participating in such discussions. Since he left, I suspected he was more of a troll type character. I suspect there a...
by 4nursebee
Thu Jul 02, 2020 10:20 am
Forum: Personal Consumer Issues
Topic: Buying house without realtors
Replies: 64
Views: 3182

Re: Buying house without realtors

+1 for attorney to handle.
by 4nursebee
Tue Jun 30, 2020 5:00 pm
Forum: Investing - Theory, News & General
Topic: My next move: 1 M in gold and 1 M in Zoom
Replies: 75
Views: 3829

Re: My next move: 1 M in gold and 1 M in Zoom

Why gold? Where is the growth?

Why Zoom, can you explain why they can grow more, justify the price? What about the company plan and leadership?

ZM CEO sold ALL of his shares. Not a boat I would get in.
by 4nursebee
Tue Jun 30, 2020 1:42 pm
Forum: Personal Investments
Topic: Do Not Go Gentle On Us!!! Personal Portfolio Suggestions Needed!!
Replies: 63
Views: 5189

Re: Do Not Go Gentle On Us!!! Personal Portfolio Suggestions Needed!!

Good job.
No advice here.
One gets to decide where they want to live on the consumption vs saving curve, you likely have more wiggle room than many.
The older I get, the happier I am about saving as early as I did.
I favor simplicity for investments.
by 4nursebee
Sun Jun 28, 2020 4:44 pm
Forum: Personal Consumer Issues
Topic: Heat pump/ac using 4 kWh - how do I fix this?
Replies: 50
Views: 1952

Re: Heat pump/ac using 4 kWh - how do I fix this?

Are you sure it's only 9 seer and 4 yrs old? I'm thinking the min seer rating allowed 4 yrs ago is around 13 seer. EDIT Here is a calc I just pulled up comparing costs of different seer's per KW per hr. https://kobiecomplete.com/cool-tips/seer-savings-calculator/ EDIT again. 2015 In the United Stat...
by 4nursebee
Tue Jun 23, 2020 9:23 am
Forum: Investing - Theory, News & General
Topic: 4% Rule and annuities
Replies: 35
Views: 2601

Re: 4% Rule and annuities

4% is too low for my judgement to accept, will be higher for us.
using the VPW tables!
by 4nursebee
Sun Jun 21, 2020 9:00 am
Forum: Personal Finance (Not Investing)
Topic: please help us determine our X as in 25X
Replies: 38
Views: 4417

Re: please help us determine our X as in 25X

My easy math says x=$48,000 today.
by 4nursebee
Sun Jun 21, 2020 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Am I in a position to negotiate? 801 credit score cash out refinance
Replies: 27
Views: 2440

Re: Am I in a position to negotiate? 801 credit score cash out refinance

Last night our home loan consultant e-mailed with a preliminary cash-out refinance estimated itemized fee worksheet. Turns out (as I suspected) hubby has collections on his credit report. Ugh. Good news is that my credit score is 801 and I qualify for the loan based on my salary alone. It's likely ...
by 4nursebee
Sun Jun 21, 2020 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Rental Property -> Umbrella vs LLC
Replies: 29
Views: 1772

Re: Rental Property -> Umbrella vs LLC

I do plan to have umbrella insurance of some sort no matter what. From reading around it seems some people take out a much larger umbrella policy and don't do the LLC. We will be living here at least in the very near future, and would prefer to lock in the rates at the current lower rates. When I t...
by 4nursebee
Sat Jun 20, 2020 3:46 am
Forum: Personal Finance (Not Investing)
Topic: Pay estimated taxes on distributions or IRA-Roth conversions
Replies: 11
Views: 825

Re: Pay estimated taxes on distributions or IRA-Roth conversions

Taxes not paid yet.
Question not answered yet.
How should I pay the taxes?
Does the irs site work for you?

Anxious about paying online...
by 4nursebee
Thu Jun 18, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: Dash cam with collision warning recommendations
Replies: 12
Views: 618

Re: Dash cam with collision warning recommendations

All of this is built into a Tesla except they have 4 cameras
by 4nursebee
Wed Jun 17, 2020 3:24 pm
Forum: Personal Investments
Topic: $1.6M in traditional, $700K in Roth: How much to convert to Roth?
Replies: 84
Views: 7443

Re: $1.6M in traditional, $700K in Roth: How much to convert to Roth?

For a sizable portfolio such as the OPs, given the irmma Medicare premiums, should the irrmma really impact decisions now? I read the difference in expenses as one or two grand a year.
by 4nursebee
Tue Jun 16, 2020 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Pay estimated taxes on distributions or IRA-Roth conversions
Replies: 11
Views: 825

Pay estimated taxes on distributions or IRA-Roth conversions

So how does this work? Some of the taxes are being pulled from pension and annuity automatically. If we take a distribution and don't pay taxes, how do I pay the Govt? Is it required to pay regularly? We did a IRA to Roth transfer today, now want to learn about paying the tax. Does the IRS site work...
by 4nursebee
Tue Jun 16, 2020 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Debit Card Fraud
Replies: 23
Views: 842

Re: Debit Card Fraud

I am glad the credit union supported you this time. Be aware that the legal protections for Credit Cards are much better than debit cards. I do not use my credit union debit card for anything except ATM cash. All other transactions go through my credit card. Not to mention 2% cash back. :happy Chec...
by 4nursebee
Tue Jun 16, 2020 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Debit Card Fraud
Replies: 23
Views: 842

Debit Card Fraud

First off, We feel really lucky to have credit locked and also to have the fraud detection arm of our credit union call us today. We got a call from a soft spoken person about fraud on our account, left a number we did not recognize. Checked online records. I had shopped at a large national retailer...
by 4nursebee
Sun Jun 14, 2020 3:31 pm
Forum: Personal Consumer Issues
Topic: Slide-in pickup campers
Replies: 33
Views: 2251

Re: Slide-in pickup campers

I'd suggest going to a camping show to kick the tires a bunch.
by 4nursebee
Fri Jun 12, 2020 6:07 am
Forum: Personal Investments
Topic: Withdrawal before full retirement?
Replies: 4
Views: 595

Re: Withdrawal before full retirement?

Vpw is a withdrawal method.
Might convert to Roth also
Why do this? We saved a lot will pay more in taxes. Perhaps saved too much, time to enjoy while healthy
by 4nursebee
Fri Jun 12, 2020 4:12 am
Forum: Personal Investments
Topic: Withdrawal before full retirement?
Replies: 4
Views: 595

Withdrawal before full retirement?

My SO retired. I am working at most for 3-10 years, might go part time, or even quit. Plan is to eventually withdraw using VPW method. We have a large cash cushion should portfolio decline. Expenses now paid by a 7 year annuity (to carry us to SS age), pension, RE, paycheck. If we were to be fully r...
by 4nursebee
Fri Jun 12, 2020 3:56 am
Forum: Investing - Theory, News & General
Topic: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)
Replies: 247
Views: 47734

Re: A Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)

So I've seen this before but can't find it right now. Once I fill in the numbers how do I access this: https://www.bogleheads.org/wiki/File:VPW.jpg

The graph and yearly projections of the VPW stuff?

Thanks.
by 4nursebee
Wed Jun 10, 2020 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE-when, your decision making process
Replies: 36
Views: 3182

Re: FIRE-when, your decision making process

I am ready to stop working. If you are planning for a 30 to 40 year retirement and you have 25X living expenses saved, You are good to go! Especially since you’ll have some Social Security, 25X is plenty safe especially if you have at least 50% equities. How old are you? How much do you have saved?...
by 4nursebee
Wed Jun 10, 2020 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE-when, your decision making process
Replies: 36
Views: 3182

Re: FIRE-when, your decision making process

Is the number you're multiplying by X the spending that you will do in retirement? It has to be to mean anything. Just like you likely won't have child car expenses in retirement, you also may have much bigger health insurance cost, but on the other hand, lower income taxes. I find that without put...
by 4nursebee
Wed Jun 10, 2020 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE-when, your decision making process
Replies: 36
Views: 3182

Re: FIRE-when, your decision making process

I am ready to stop working. If you are planning for a 30 to 40 year retirement and you have 25X living expenses saved, You are good to go! Especially since you’ll have some Social Security, 25X is plenty safe especially if you have at least 50% equities. How old are you? How much do you have saved?...
by 4nursebee
Wed Jun 10, 2020 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE-when, your decision making process
Replies: 36
Views: 3182

Re: FIRE-when, your decision making process

I am ready to stop working. If you are planning for a 30 to 40 year retirement and you have 25X living expenses saved, You are good to go! Especially since you’ll have some Social Security, 25X is plenty safe especially if you have at least 50% equities. How old are you? How much do you have saved?...
by 4nursebee
Wed Jun 10, 2020 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE-when, your decision making process
Replies: 36
Views: 3182

Re: FIRE-when, your decision making process

sailaway wrote:
Tue Jun 09, 2020 4:50 pm
4nursebee wrote:
Tue Jun 09, 2020 4:40 pm
I am ready to stop working.
What do you want to do, instead?

I don't have a problem with the answer being "play video games," but a lot of people don't put any thought into this and end up bored or depressed.
Many many things. Not gonna advertise them here though.
by 4nursebee
Tue Jun 09, 2020 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE-when, your decision making process
Replies: 36
Views: 3182

Re: FIRE-when, your decision making process

I am ready to stop working.
by 4nursebee
Tue Jun 09, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: FIRE-when, your decision making process
Replies: 36
Views: 3182

FIRE-when, your decision making process

Situation: Have whatever number of "X" folks say to have, well diversified. Able to retire, but a bit hesitant. Late last year hit the initial target goal of X, still have debts. Now, assets minus debts are at that level of X (or as I view it our reasonable liquid net worth), but just at the end of ...
by 4nursebee
Mon Jun 08, 2020 6:38 am
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24445

Re: What fun car should I get in the $150k - $200k range?

Turo rentals a great idea. We did that first. Tesla 3 performance is a blast. Model Y might be similar with a touch more practicality as a daily driver. Best Tesla Model s would be a little faster but lack the new tech look interior. New roadster can't be had yet... might be worth the wait. BEst ver...
by 4nursebee
Sat Jun 06, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 446
Views: 24445

Re: What fun car should I get in the $150k - $200k range?

Do you want an exotic car or a sports car? Big difference. Do you want something with a manual or is a dual-clutch transmission acceptable? Your market will be very limited if you want a manual since Ferrari/Lamborghini no longer make any and haven't for 7-10 years now. If manual is a requirement, ...
by 4nursebee
Fri Jun 05, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Productivity as an older adult
Replies: 13
Views: 1308

Productivity as an older adult

I wonder how to best age. 52yo, have enough "X" to quit working, enjoy the peace of mind of working and insurance help. Many of the older adults I admire remain working, recently met an 83yo still engaged in business, still expanding. Another agriculture person I met in his 80's lost out on long ter...
by 4nursebee
Tue Jun 02, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 341
Views: 41219

Re: How much is your cell phone bill?

Was discussing this elsewhere and got me thinking if I was paying too much. So I thought I'd start a thread on this so we can a compare costs. Add other info you feel is relevant Carrier: T-Mobile Number of Lines: 2 Unlimited text msgs: Yes 4G Data?: Yes 3gb/month (for each, 6gb total) +10gb pool f...
by 4nursebee
Mon Jun 01, 2020 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Career advice for science PhD student
Replies: 78
Views: 6201

Re: Career advice for science PhD student

Hi everyone, Seeing that a (probably disproportionate) number of Bogleheads have advanced STEM degrees, I would like to ask for some career advice. I am currently in my second year of a PhD in synthetic chemistry at a top-10 school, and recently decided to look for opportunities outside of academia...
by 4nursebee
Sun May 31, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 118
Views: 7588

Re: Falcon 9 Launch to the International Space Station

LadyGeek wrote:
Sun May 31, 2020 12:19 pm
Anyone notice the "zero-g indicator" floating in the Dragon capsule?
Oh Heck yeah!
by 4nursebee
Fri May 29, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: Condensation line in attic / AC air handler
Replies: 18
Views: 1090

Re: Condensation line in attic / AC air handler

Change the pvc to pex, it freezes without bursting

Y’all need to use hvac drain tabs
by 4nursebee
Fri May 29, 2020 2:43 pm
Forum: Investing - Theory, News & General
Topic: Can you recommend a book for a non-investor? Jill Schlesinger?
Replies: 7
Views: 461

Re: Can you recommend a book for a non-investor? Jill Schlesinger?

Butt out
Lead by example
I never learned or changed from such things
by 4nursebee
Thu May 28, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 118
Views: 7588

Re: Falcon 9 Launch to the International Space Station

Is it worth it to see a launch live in person?
What about it makes it so?

Would you pay for space tourism?

Have you paid for that expensive weightless airplane ride?
by 4nursebee
Tue May 26, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 75
Views: 6174

Re: Car shopping PHEV / ICE / or all electric?

Did I read you only drove 5K miles last year? You do not need more than current power in garage for the tesla then. Most of the time that is all we charge with for the 14 mile round trip to work. 10 hour charge is 30 miles range or so. Going to electric charge? It would help to learn your electric r...
by 4nursebee
Tue May 26, 2020 4:18 am
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3540

Re: Tesla Y test drive

Watch the Munro Live videos if you want a deep dive look at the Tesla Model Y. Start with episode E1 and work your way up. You'll be amused to see what's in the hollow space near the wheel well to absorb sound. Here they are: https://www.youtube.com/channel/UCj--iMtToRO_cGG_fpmP5XQ/videos These are...
by 4nursebee
Mon May 25, 2020 3:03 pm
Forum: Investing - Theory, News & General
Topic: Anybody do any GOOD timing the market?
Replies: 123
Views: 7756

Re: Anybody do any GOOD timing the market?

I think so but can't tell looking back. Maybe it was luck or fear?
by 4nursebee
Mon May 25, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12560

Re: Approaching 40, worried about financial future

"I've just seen what happens when folks plan for two SS incomes" You just drive them to a simple calculator that implies their total SS will be $20K? I adjusted the SS payment to $72k about 10 posts ago, which is quite optimistic IMO but I was trying to give you the benefit of the doubt. Anyway I g...
by 4nursebee
Mon May 25, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12560

Re: Approaching 40, worried about financial future

Good job worrying and with saving. You likely have more than many people. Perhaps individually and then as a couple, decide what you want. Where do you want to be in the future, especially age 60+. Brainstorm, dream. Once the specific goal is in mind, the concrete steps to get there can be planned. ...
by 4nursebee
Mon May 25, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3540

Re: Tesla Y test drive

On the subject of noise, when I am going down the road with my windows down, and I am near a Tesla I here no noise coming from them. Every other vehicle emits more noise than a Tesla. I enjoy picturing the future of electric transportation! The sound of silence: https://www.youtube.com/watch?v=iai6m...
by 4nursebee
Thu May 21, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3540

Re: Tesla Y test drive

I've read of someone returning a Y after one day because of this. When I first test drove an S I could hear pebbles coming up in the wheel wells. My 3 is a fun peaceful car to drive. There is no engine noise, just all the other stuff. I expect one becomes more aware of the other stuff when the engi...
by 4nursebee
Thu May 21, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3540

Re: Tesla Y test drive

I've read of someone returning a Y after one day because of this. When I first test drove an S I could hear pebbles coming up in the wheel wells. My 3 is a fun peaceful car to drive. There is no engine noise, just all the other stuff. I expect one becomes more aware of the other stuff when the engin...
by 4nursebee
Thu May 21, 2020 6:59 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 233
Views: 22392

Re: Tesla Model Y

Saw two at local sales/service location. They looked good overall. Sat in the car, easier to get in and out of. Similar leg room, I think more head room. Bigger frunk and trunk. A better auto option overall but not gonna trade up, need to keep some semblance of being a BH. If you are in the market f...