Search found 370 matches

by 2retire
Tue Sep 25, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: SIL - 25x vs firecalc
Replies: 39
Views: 4171

Re: SIL - 25x vs firecalc

Did you put all $250K in TIPS?

The 4% rule assumes a portfolio of stocks and bonds. I can't recall, but I think the lower limit was 40% stocks.
by 2retire
Fri Sep 21, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 7815

Re: Hubby soon to be laid off

cas is correct, HSA's and Medicare don't play well together. Be sure to read up on them both:

https://www.medicareinteractive.org/get ... d-medicare
by 2retire
Wed Sep 05, 2018 2:09 pm
Forum: Forum Issues and Administration
Topic: Posts with HTML
Replies: 6
Views: 452

Re: Posts with HTML

I can't speak to that specific case, but some people compose their posts offline in some other text editor. This is done because some websites have a timeout when creating posts. Nothing sucks worse than working a couple hours on a post, finally hitting submit, and getting an error back from the web...
by 2retire
Thu Aug 09, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Allocations Stable for 18 months?
Replies: 8
Views: 565

Re: Allocations Stable for 18 months?

What you are seeing is perfectly normal. If you are using +/- 5% rebalancing bands, it takes an awful lot of movement for you to hit those bands. Since 2012, I have only had to rebalance once with a 70s/30b allocation. The Finance Buff wrote a good post on just how much the market has to move for yo...
by 2retire
Mon Apr 09, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Cruise or other vaca ideas for Dad w/13yr old twin boys?
Replies: 36
Views: 2750

Re: Cruise or other vaca ideas for Dad w/13yr old twin boys?

If you decide to try and kill two birds with one stone, there are cruises that make stops at Atlantis. However, if you are getting off the cruise ship and trying to go there, be prepared. It costs $130 per person, for the full park, for the few hours you are off the ship.
by 2retire
Mon Jan 22, 2018 8:03 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 105
Views: 12844

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

I think some posts are often too complicated. One thing that would help would be for posters to summarize their issue at the beginning. The recent post you made contains a bunch of information that is not needed, for instance. When the reader gets to the end, you ask a few questions that require a ...
by 2retire
Fri Jul 07, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 5731

Re: Anyone bought a Pixel?

And to the person who can't add the clock to the home screen, just drag it to the home screen like any other app. Ignore the pop up options about the alarm, etc. Wow, thanks for that. Its not exactly "like any other app", the phone definitely behaves differently based on which type of app you selec...
by 2retire
Fri Jul 07, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: SSA.gov calculator doesn't seem to make sense.
Replies: 18
Views: 1343

Re: SSA.gov calculator doesn't seem to make sense.

Providing the link to the alternate calculator may help people give you an answer.
by 2retire
Tue Jul 04, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 5731

Re: Anyone bought a Pixel?

I have encountered a few issues with mine. The touch screen isn't very responsive. I tend to be on a lot of conference calls, where I keep the people on speaker phone, while I walk around my house. Muting and un-muting is wonky if you try to do it too fast in succession. It often fails to recognize ...
by 2retire
Thu Jun 29, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Familiar w/ DocuSign? Secure?
Replies: 13
Views: 1356

Re: Familiar w/ DocuSign? Secure?

That was a link to a website where the document is hosted. It may be one of DocuSign's servers, or the company that uses their product may host their own internal DocuSign server. If you really wanted to prove it to yourself, you could install something like Fiddler or a packet sniffer on your PC an...
by 2retire
Mon Jun 19, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Garage Parking Aid
Replies: 28
Views: 3326

Re: Garage Parking Aid

I use regular bricks that you'd build a house out of. Just build two columns (three of four bricks wide) from the back wall to where you want tires to stop. The lose bricks will absorb some of the tire pressure as they make contact. If you are still worried about the wall, where the bricks make cont...
by 2retire
Thu May 25, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate the top of the 15% bracket?
Replies: 23
Views: 2953

Re: How to calculate the top of the 15% bracket?

Also, remember that she needs to pay taxes on the conversion, so that money needs to come from somewhere and will count against the 15% limit.
by 2retire
Thu Apr 27, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Thrivent Financial
Replies: 12
Views: 1443

Re: Thrivent Financial

There have been a few Thrivent posts here on Bogleheads. You can use the search box in the upper right to find them. This was the longest thread.

viewtopic.php?t=21124
by 2retire
Thu Apr 06, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 5827

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

Yes. It depends on the time you have been with the company though. The most anyone can have stored up is twenty days (above and beyond what you get a year). We acquire x.x hours of PTO a week. I don't know what happens if you try to take more time than you have acquired. Most companies don't award y...
by 2retire
Thu Apr 06, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's in your ADP 401(k)?
Replies: 21
Views: 2738

Re: What's in your ADP 401(k)?

We don't have ADP anymore, but when we had it, our funds were terrible.

Our cheapest fund was an S&P 500 @ 0.71.

The average expense ratio was 1.21%. The target date funds were all over 1.20%
by 2retire
Tue Mar 21, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: How much Vanguard Small Cap Value is in Vanguard Total Stock market
Replies: 9
Views: 1727

Re: How much Vanguard Small Cap Value is in Vanguard Total Stock market

If you look at the Morningstar style box, small value represents a 3% holding in VTSAX (vanguard total stock market - US). link provided below http://portfolios.morningstar.com/fund/summary?t=VTSAX®ion=usa&culture=en-US Not quite. M* only shows 30% of Vanguard SCV (VISVX) in the SCV box: 00 00 0...
by 2retire
Fri Feb 24, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 63
Views: 9795

Re: Tell me about Alaska

As far as I know, we only ever took the 'plain' buses as we were day hiking inside the park. I may be wrong because my friend made all of our reservations. The bus rides weren't complete snooze fests. Although the drivers didn't have a fixed speeches, they would talk about things we were seeing and ...
by 2retire
Fri Feb 24, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 63
Views: 9795

Re: Tell me about Alaska

Then I am confused how/why the bus takes so much time (eight hours?) for the round-trip. Or are all buses going at that speed? I was thinking that maybe we could hop off and hop back on at a couple of the stops (on the way back, once we have an idea of what all is out there). Of course, I am referr...
by 2retire
Fri Feb 17, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Visiting the National Parks
Replies: 29
Views: 3267

Re: Visiting the National Parks

The Wizard wrote: You'll have Hawaii and Alaska to deal with, too.
Not to mention, the Virgin Islands.
by 2retire
Fri Feb 17, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Visiting the National Parks
Replies: 29
Views: 3267

Re: Visiting the National Parks

It would be quite something for you to get them all on in one year; there are 59 of them. You can start here: https://en.wikipedia.org/wiki/List_of_national_parks_of_the_United_States The map gives you a good idea of the general locations of each park so you can get an overview of where you'd have t...
by 2retire
Fri Feb 17, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 63
Views: 9795

Re: Tell me about Alaska

Just to be clear about the bus tours in Denali, they are school buses not tour buses. You will be traveling on a dirt road on school bus seats (for hours at a time). I don't actually recall there being marked hiking trails inside the park (where you have to take the buses). There are a few marked tr...
by 2retire
Fri Feb 17, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator - COLA Adjustment
Replies: 13
Views: 1881

Re: Social Security Calculator - COLA Adjustment

You are looking at the wrong numbers in that table. You should be looking at the last two numbers in the table. The indexing factor for the last two years has been 1.0. Use this link instead. https://www.ssa.gov/oact/COLA/awifactors.html Hit submit with the year 2017. Notice, the last two years hav...
by 2retire
Mon Jan 30, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Mom wants an air fryer?
Replies: 29
Views: 4249

Re: Mom wants an air fryer?

To get the crisp skins on the wings or thighs, you lightly spray it with oil from a Misto (or Pam cooking spray, but that's expensive). Same thing for the homemade fries to brown them without drying them out. The oil will fry, and crisp it up. That was done, per the instructions that came with the ...
by 2retire
Mon Jan 30, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Mom wants an air fryer?
Replies: 29
Views: 4249

Re: Mom wants an air fryer?

Returned one after two uses. I believe it was a Phillips model. It was basically an electric coil (like from a stove) that had air passed over it to form a convection oven. On homemade fries, it burned the points. As others have said, they weren't moist, just dried out. Unless you want to want to ma...
by 2retire
Fri Jan 06, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 33278

Re: Annual Vacation Budget

TomatoTomahto wrote:... We decided to go to Grand Cayman. For 8 days, we spent ~ 35k, which is more than we usually spend.
I seriously lost my head on this one. I couldn't figure out how anyone could have spent $35K going to the Grand Canyon. :oops:
by 2retire
Fri Jan 06, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: What to do when company won't honor exchange policy/warranty?
Replies: 10
Views: 1726

Re: What to do when company won't honor exchange policy/warranty?

I'm confused, was the laptop sold as a Refurbished unit or as New?
by 2retire
Tue Dec 27, 2016 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Lower Income Looking for Advice on Investments
Replies: 4
Views: 621

Re: Lower Income Looking for Advice on Investments

Although you appear to have most of the information we request when asking for portfolio help, it is hard to parse out of the big blocks of text. If you follow this post on formatting the information, you may get more help. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Note, when listing...
by 2retire
Fri Dec 16, 2016 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: HSA tricky question
Replies: 6
Views: 910

Re: HSA tricky question

The number is low, so you probably didn't do it, but be aware, that you can not have itemized those medical cost on your taxes as the time. If you itemized the medical costs on your taxes, then you can't double dip and use the HSA funds to pay them as well.
by 2retire
Fri Dec 16, 2016 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning Advice PLEASE
Replies: 16
Views: 2667

Re: Retirement Planning Advice PLEASE

You'll need to list all of your real estate holdings, how much they bring in, and what you owe on each of them.
by 2retire
Thu Dec 15, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 7370

Re: Branch from our tree fell on neighbor's house ??

Surprisingly, it is your neighbor's responsibility. This link may help with the various scenarios.

https://www.angieslist.com/articles/my- ... o-pays.htm
by 2retire
Tue Nov 29, 2016 2:23 pm
Forum: Investing - Theory, News & General
Topic: "Sequence of returns risk"
Replies: 42
Views: 4021

Re: "Sequence of returns risk"

Yes. As a matter of fact, if you are up more than 50%, you may even be able to ratchet up your withdraw percent. See this article my Kitces.

https://www.kitces.com/blog/the-ratchet ... he-4-rule/
by 2retire
Tue Nov 15, 2016 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Missed HSA election window at company, can I still contribute on my own?
Replies: 8
Views: 1025

Re: Missed HSA election window at company, can I still contribute on my own?

The bigger question is, will you still be covered at all by health insurance in 2017. At my company, if you didn't submit your benefits package by the deadline day, you are SOL. You don't get any coverage for the following year. If your company isn't like that, I would expect that they would continu...
by 2retire
Fri Nov 04, 2016 5:25 pm
Forum: Investing - Theory, News & General
Topic: Preference for when to Asset Allocate?
Replies: 3
Views: 535

Re: Preference for when to Asset Allocate?

Several studies have shown that one to two years has performed best. This allows stuff that has been outperforming to outperform for longer and when stuff is falling, you aren't constantly throwing good money at bad.
by 2retire
Thu Oct 20, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Anyone found a good replacement for TaxCaster since Intuit screwed it up?
Replies: 11
Views: 1619

Re: Anyone found a good replacement for TaxCaster since Intuit screwed it up?

It didn't even dawn on me that it would be using the old tax laws and tables. Yeah, I guess it won't be much use going forward.

I guess I may have to try the phone app after all.
by 2retire
Thu Oct 20, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: Anyone found a good replacement for TaxCaster since Intuit screwed it up?
Replies: 11
Views: 1619

Re: Anyone found a good replacement for TaxCaster since Intuit screwed it up?

Link to the old site 2015 but nor much has changed https://turbotax.intuit.com/tax-tools/calculators/taxcaster/html5/index.html Thank you so much. I'm surprised they left the old one online. I have not tried their phone app; I didn't even know they had one. If this old one goes offline, I guess I c...
by 2retire
Wed Oct 19, 2016 4:24 pm
Forum: Personal Consumer Issues
Topic: Anyone found a good replacement for TaxCaster since Intuit screwed it up?
Replies: 11
Views: 1619

Anyone found a good replacement for TaxCaster since Intuit screwed it up?

They really messed up the interface. You can no longer quickly tweak numbers and see what happens. They turned in into a slide show where they ask you one question at a time. I'm looking for a tool that gives you a bunch of edit boxes on one screen and lets you modify them all at once and see the re...
by 2retire
Wed Sep 21, 2016 10:51 am
Forum: Investing - Theory, News & General
Topic: Does Fidelity do Vanguard's 'Balances by Date' Feature
Replies: 9
Views: 1639

Re: Does Fidelity do Vanguard's 'Balances by Date' Feature

I logged in to check out my 401(k) through Fidelity. It is accessed through a sub-site of Fidelity called NetBenefits.

For my 401(k), I can in fact request a statement for a specific date.

I ended up calling Fidelity. The guy I spoke to really had no knowledge about how to do what i wanted to do.
by 2retire
Tue Sep 20, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity do Vanguard's 'Balances by Date' Feature
Replies: 9
Views: 1639

Re: Does Fidelity do Vanguard's 'Balances by Date' Feature

Interesting. My 'Statement's' tab doesn't have that option.

I know that Fidelity has many different websites, depending on which type of customer you are.

I have standard mutual funds and a work 401(k) through them. I don't have a brokerage account.
by 2retire
Tue Sep 20, 2016 10:22 am
Forum: Investing - Theory, News & General
Topic: Does Fidelity do Vanguard's 'Balances by Date' Feature
Replies: 9
Views: 1639

Does Fidelity do Vanguard's 'Balances by Date' Feature

I've just discovered you can use Vanguard's site to go back in time and see your account balances on a specific date in the past. My Accounts (menu) > Balances & Holdings > Balances by Date (tab) I poked around the Fidelity site and couldn't find such a feature. Does anyone know if such a feature ex...
by 2retire
Tue Aug 30, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: Anyone use the Nextdoor app or other alternatives?
Replies: 15
Views: 2038

Re: Anyone use the Nextdoor app or other alternatives?

We don't use an app, but we use the website. As Texanbybirth said, it is good for all kinds of things. We've used it to find a landscaper and handyman that are relative neighbors. It also keeps you up to date with all the crimes occurring in the area. You'll be surprised by how much crime and police...
by 2retire
Mon Aug 29, 2016 4:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 64
Views: 19737

Re: I think I found Rick Ferri

TravelGeek wrote:
neomutiny06 wrote:http://www.50-50.us

Looks like they sold everything and are traveling.
Is 50-50 their (recommended) asset allocation? ;)
This blog post gives a little background on the 50-50 name. Last I recall, Rick had his portfolio at 70 stocks / 30 bonds.

http://50-50.us/2016/08/01/
by 2retire
Mon Aug 08, 2016 8:47 am
Forum: Investing - Theory, News & General
Topic: Articles that have provoked thought and reflection
Replies: 21
Views: 3355

Re: Articles that have provoked thought and reflection

Michael Kitces - The Ratcheting Safe Withdrawal Rate – A More Dominant Version Of The 4% Rule?
Reason: Made me think about significantly upping my withdraw rate so I don't end with two to four times as much as I started with at death.
by 2retire
Fri Aug 05, 2016 9:09 am
Forum: Investing - Theory, News & General
Topic: Fav books about crashes
Replies: 10
Views: 1034

Re: Fav books about crashes

Dr. Bernstein turned me onto Extraordinary Popular Delusions and the Madness of Crowds by Charles Mackay. It was written in 1841, but contains some of the biggest crashes in history. The good news is it is available for free at Project Gutenberg.org.
by 2retire
Fri Jul 22, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Trouble with M* Site this Morning???
Replies: 4
Views: 432

Re: Trouble with M* Site this Morning???

They converted to a new beta format this morning for some people. Check your URL after you get to the home page, does it changes to say beta.morningstar.com? They may be having some issues with Mac based browsers. On the PC, I was able to find a link to put me back to the old format. If you wait lon...
by 2retire
Tue Feb 09, 2016 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Would you invest $30k from a trust in a mutual fund?
Replies: 7
Views: 740

Re: Would you invest $30k from a trust in a mutual fund?

You should have talked to the lawyer about this. You probably need to talk to an elder care lawyer. I suspect that that money needs to be treated like Social Security Representative Payee money. It can probably only be invested in interest bearing accounts like bank and CD accounts. Laws are created...
by 2retire
Fri Feb 05, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: 60 Years Old - Forced to Stop Working - Need Investment Advice
Replies: 30
Views: 4720

Re: 60 Years Old - Forced to Stop Working - Need Investment Advice

I didn't read all of the responses too carefully, but I wanted to point out that what your SS benefit would be at age 62 makes no difference if you go on SSDI. Once you start receiving SSDI, your past SS history doesn't matter. You will continue to receive the SDDI payment until your full retirement...
by 2retire
Wed Jan 06, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is this okay to do with an HSA?
Replies: 5
Views: 821

Re: Is this okay to do with an HSA?

I should clarify. My company has an HSA specific direct deposit form that I fill out. They can direct my HSA money to a different place than my pay check. As far as I understand, they would take the amount I specified out of my paycheck, pre-tax, and deposit it into the account I tell them to. I was...
by 2retire
Wed Jan 06, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is this okay to do with an HSA?
Replies: 5
Views: 821

Is this okay to do with an HSA?

My company is willing to deduct my HSA contribution from my paycheck and send it to my HSA Bank. However, they can't fulfill all the requirements of the HSA bank for the ACH deposit. I have a normal checking account at another bank. Is there any problem with me having my company deposit the money in...