Search found 17597 matches
- Sat Apr 21, 2018 10:15 am
- Forum: Investing - Theory, News & General
- Topic: NYT article: Everyone should hire a financial planner
- Replies: 79
- Views: 4898
Re: NYT article: Everyone should hire a financial planner
https://www.nytimes.com/2018/04/20/smarter-living/why-you-should-hire-a-financial-planner.html?action=click&module=Smarter%20Living&pgtype=Homepage “I liken it to WebMD. You can look up symptoms, but there’s a limit to what you can do with that information,” Mr. Brown explained. “Finance is the sam...
- Sat Apr 21, 2018 9:38 am
- Forum: Personal Consumer Issues
- Topic: New retirees: so whatdayathink ?
- Replies: 36
- Views: 2904
Re: New retirees: so whatdayathink ?
orange goggles when using electronic devices You can probably program your electronics to put out less blue light (especially in the evening), then you do not need goggles Thank you, I will look into it. What I like about orange goggles is how cheap, simple, and effective this solution is. It's an ...
- Sat Apr 21, 2018 9:35 am
- Forum: Personal Consumer Issues
- Topic: New retirees: so whatdayathink ?
- Replies: 36
- Views: 2904
Re: New retirees: so whatdayathink ?
3. I have always led a healthy life and don't have any diseases. But recently I started reading about and implementing advanced health-related activities such as intermittent fasting, barefoot shoes, Epsom salt baths, cold showers, orange goggles when using electronic devices, and a bed of nails . ...
- Fri Apr 20, 2018 12:59 pm
- Forum: Personal Consumer Issues
- Topic: New retirees: so whatdayathink ?
- Replies: 36
- Views: 2904
Re: New retirees: so whatdayathink ?
I see it often said that you need to retire to something, not from something. Or words to that effect. While that is true, don't be afraid to change things up and take a different path than you originally planned. I agree with you. I have attended a workshop and read the book "Designing Your Life" ...
- Fri Apr 20, 2018 12:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: How do I make sure IRS receives my manual tax return ?
- Replies: 74
- Views: 4553
Re: How do I make sure IRS receives my manual tax return ?
Funny thing about estimated payments is that you never get any receipt or any paperwork telling you how much you have already paid. What if you forgot about making the estimated payments or telling that to the person who is preparing your taxes from all the available paperwork? Will IRS correct the...
- Fri Apr 20, 2018 12:48 pm
- Forum: Personal Consumer Issues
- Topic: New retirees: so whatdayathink ?
- Replies: 36
- Views: 2904
Re: New retirees: so whatdayathink ?
3. I have always led a healthy life and don't have any diseases. But recently I started reading about and implementing advanced health-related activities such as intermittent fasting, barefoot shoes, Epsom salt baths, cold showers, orange goggles when using electronic devices, and a bed of nails . ...
- Fri Apr 20, 2018 12:17 pm
- Forum: Personal Consumer Issues
- Topic: New retirees: so whatdayathink ?
- Replies: 36
- Views: 2904
Re: New retirees: so whatdayathink ?
I am 3.5 years into my retirement. I have not had major surprises, but there are some things that are different from my initial plans. 1. My interest in travel has diminished. I am still traveling, but this year it will be 80 to 90 days away from home instead of 120 days in the first two years. I am...
- Fri Apr 20, 2018 11:41 am
- Forum: Personal Finance (Not Investing)
- Topic: How do I make sure IRS receives my manual tax return ?
- Replies: 74
- Views: 4553
Re: How do I make sure IRS receives my manual tax return ?
Regarding tax fraud: There is real possibility that your tax account may get breached and criminals would get a refund in your name, preventing you from filing taxes electronically. There are several things you can do to mitigate different aspects of this potential problem: 1. Create your own accoun...
- Fri Apr 20, 2018 11:30 am
- Forum: Personal Finance (Not Investing)
- Topic: How do I make sure IRS receives my manual tax return ?
- Replies: 74
- Views: 4553
Re: How do I make sure IRS receives my manual tax return ?
I just mailed mine today from my local post office. They gave me tracking numbers. I can check the tracking numbers and find out when it arrived at its destination. They, state and federal, were postmarked April 16th. That's exactly what I did. I mailed my taxes on the 16th. Today, on the 20th, as ...
- Fri Apr 20, 2018 11:14 am
- Forum: Personal Finance (Not Investing)
- Topic: How do I make sure IRS receives my manual tax return ?
- Replies: 74
- Views: 4553
Re: How do I make sure IRS receives my manual tax return ?
Some but not all years I mail my return from the post office. Often, I need to see if the envelope needs extra postage beyond a single first-class stamp. I almost always owe some money so when I see the check hit my account I know they got the return. I too mail from the post office. Until this yea...
- Fri Apr 20, 2018 11:05 am
- Forum: Personal Finance (Not Investing)
- Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
- Replies: 121
- Views: 7879
Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
If the OP purchased an SPIA paying him $75k with generous inflation adjustments, he would have a safe retirement. MikeG already wrote a nice reply about it. My question to the BH community is "why there is so much emphasis on safety without really understanding the basic underlying reasoning as to ...
- Fri Apr 20, 2018 10:43 am
- Forum: Personal Consumer Issues
- Topic: Costco Free Screenings
- Replies: 21
- Views: 3606
Re: Costco Free Screenings
I wonder if this is a smart way for Costco to provide a public service along with helping itself. It's advertisement for the pharmacy and health products and gets some shoppers in the doors. Also, employees might use it and stay healthier or they may be required to do some testing/education that re...
- Wed Apr 18, 2018 6:51 pm
- Forum: Personal Consumer Issues
- Topic: Costco Free Screenings
- Replies: 21
- Views: 3606
Re: Costco Free Screenings
Bah. I am within walking distance of the one in New Jersey in Lawrenceville and am there about three to five times a week. And of course all they have this year is osteoporosis screening on the schedule which is for females. But I must say it is scheduled for April 18th and I have seen no signs at ...
- Wed Apr 18, 2018 6:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
- Replies: 121
- Views: 7879
Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
If the OP purchased an SPIA paying him $75k with generous inflation adjustments, he would have a safe retirement. MikeG already wrote a nice reply about it. My question to the BH community is "why there is so much emphasis on safety without really understanding the basic underlying reasoning as to ...
- Wed Apr 18, 2018 6:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
- Replies: 121
- Views: 7879
Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
It's very reassuring to have SS and/or a good pension for part of retirement expenses, but do you really think a 2.5% withdrawal rate is unsafe, even for a long retirement? If so, why do you think that? The unsafe part is not the 2.5% withdrawal rate but the 50/50 portfolio stipulated by the OP. He...
- Wed Apr 18, 2018 1:20 pm
- Forum: Personal Consumer Issues
- Topic: Termination of transfers from SPG and Marriott to airlines?
- Replies: 89
- Views: 4165
Re: Termination of transfers from SPG and Marriott to airlines?
You are right! I did transfer 40k SPG, and thus have lost 12.5k potential AA miles. As for the hindsight bias, I insist that it is taking place. Last week, you thought that it was premature to discuss the consequences of the Marriott/SPG merger. But you could not have 100% confidence that you were ...
- Wed Apr 18, 2018 12:58 pm
- Forum: Personal Consumer Issues
- Topic: Costco Free Screenings
- Replies: 21
- Views: 3606
Re: Costco Free Screenings
New member here, enjoying this fine forum. I took the free diabetes screening at Costco a couple of years ago. It was a weekend, the store was busy, and I stumbled upon the testing station. There were about five staff, probably nurses, located between the cash registers and pharmacy, in a kiosk tha...
- Wed Apr 18, 2018 12:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
- Replies: 121
- Views: 7879
Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
No, I would not be comfortable. The stock market has helped me to accumulate the assets. But I would not rely on it paying my living expenses for the rest of my life. Victoria It's very reassuring to have SS and/or a good pension for part of retirement expenses, but do you really think a 2.5% withd...
- Tue Apr 17, 2018 8:47 pm
- Forum: Personal Consumer Issues
- Topic: Is Los Angeles a good place long term to live financially?
- Replies: 155
- Views: 9467
Re: Is Los Angeles a good place long term to live financially?
3. Find a beautiful woman to marry who has a high net worth, and hopefully being in a big city like LA I’d find someone The best market for beautiful rich women is New York City. If you are any good, organize an auction. Victoria Did you just recommend that he auction himself off? :) Auctions are q...
- Tue Apr 17, 2018 8:35 pm
- Forum: Personal Consumer Issues
- Topic: Is Los Angeles a good place long term to live financially?
- Replies: 155
- Views: 9467
Re: Is Los Angeles a good place long term to live financially?
3. Find a beautiful woman to marry who has a high net worth, and hopefully being in a big city like LA I’d find someone The best market for beautiful rich women is New York City. If you are any good, organize an auction. Victoria Did you just recommend that he auction himself off? :) Auctions are q...
- Tue Apr 17, 2018 7:17 pm
- Forum: Personal Consumer Issues
- Topic: Termination of transfers from SPG and Marriott to airlines?
- Replies: 89
- Views: 4165
Re: Termination of transfers from SPG and Marriott to airlines?
Correction, Your Honor! I have lost only 6,250 miles. By transferring 20k from SPG to AA, I got 25k AA miles. If I waited until today, I would have gotten 31.5k AA miles. I feel the loss. But I did the best I could with the information I had at the time. Faulting me for that decision now is a hinds...
- Tue Apr 17, 2018 5:08 pm
- Forum: Personal Consumer Issues
- Topic: Is Los Angeles a good place long term to live financially?
- Replies: 155
- Views: 9467
- Tue Apr 17, 2018 5:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
- Replies: 121
- Views: 7879
Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
No, I would not be comfortable. The stock market has helped me to accumulate the assets. But I would not rely on it paying my living expenses for the rest of my life. Victoria You are retired now. How you are paying for your living expenses? Pension? Or something else? Do you suggest the OP should ...
- Tue Apr 17, 2018 4:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
- Replies: 121
- Views: 7879
Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
No, I would not be comfortable. The stock market has helped me to accumulate the assets. But I would not rely on it paying my living expenses for the rest of my life. Victoria It's very reassuring to have SS and/or a good pension for part of retirement expenses, but do you really think a 2.5% withd...
- Tue Apr 17, 2018 4:52 pm
- Forum: Personal Consumer Issues
- Topic: Termination of transfers from SPG and Marriott to airlines?
- Replies: 89
- Views: 4165
Re: Termination of transfers from SPG and Marriott to airlines?
And OP just lost out the 25% bonus (10K AA miles) for acting on a rumor. 10K is not that much but it would have hurt if it was a 400K SPG to AA without the bonus. https://www.aa.com/i18n/aadvantage-program/miles/partners/hotels/convert-hotel-points-to-miles.jsp 25% conversion bonus for 5 hotel part...
- Tue Apr 17, 2018 4:48 pm
- Forum: Investing - Theory, News & General
- Topic: The World in 2050 — GDP & Stock Market Capitalization
- Replies: 52
- Views: 3752
Re: The World in 2050 — GDP & Stock Market Capitalization
I would be 98 and dont want to be alive. Seriously, we cannot predict how immigration flows will go, how various things will happen, and whether moon occupancy will be an option. I will choose the moon or Mars if I have a choice. Shoot for the moon. Moon is made of blue cheese which is healthier th...
- Tue Apr 17, 2018 4:45 pm
- Forum: Personal Consumer Issues
- Topic: Costco Free Screenings
- Replies: 21
- Views: 3606
Re: Costco Free Screenings
Bah. I am within walking distance of the one in New Jersey in Lawrenceville and am there about three to five times a week. And of course all they have this year is osteoporosis screening on the schedule which is for females. But I must say it is scheduled for April 18th and I have seen no signs at ...
- Mon Apr 16, 2018 7:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
- Replies: 121
- Views: 7879
Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
No, I would not be comfortable. The stock market has helped me to accumulate the assets. But I would not rely on it paying my living expenses for the rest of my life.
Victoria
Victoria
- Mon Apr 16, 2018 6:58 pm
- Forum: Personal Consumer Issues
- Topic: Costco Free Screenings
- Replies: 21
- Views: 3606
Re: Costco Free Screenings
Have been a Costco member for many years, but never saw any free screening in the warehouse. It could be a regional thing? It seems so. Looking at the spreadsheet, they appear to rotate screenings across the states. In April, some states get heart screening, others blood glucose, others bone densit...
- Mon Apr 16, 2018 5:20 pm
- Forum: Investing - Theory, News & General
- Topic: Class Action suit against DDD?
- Replies: 13
- Views: 1986
Re: Class Action suit against DDD?
I thought it was a suit against a bra size.
Victoria
Victoria
- Mon Apr 16, 2018 5:17 pm
- Forum: Personal Consumer Issues
- Topic: Costco Free Screenings
- Replies: 21
- Views: 3606
Costco Free Screenings
I have stumbled upon a spreadsheet with a schedule of free screenings at Costco locations around the U.S.A., https://m.costco.com/wcsstore/CostcoUSBCCatalogAssetStore/rx/HealthWellnessClinicSchedule.pdf I don't remember this benefit of Costco membership being discussed. Have Bogleheads used this fre...
- Mon Apr 16, 2018 5:13 pm
- Forum: Personal Consumer Issues
- Topic: Blood pressure monitor - 2 users w/ different size arms
- Replies: 12
- Views: 452
Re: Blood pressure monitor - 2 users w/ different size arms
If you get a blood pressure monitor from Costco and it does not work, you can return it.
Victoria
Victoria
- Mon Apr 16, 2018 4:57 pm
- Forum: Personal Consumer Issues
- Topic: BH travel tips?
- Replies: 122
- Views: 6464
Re: BH travel tips?
But when I am traveling, I drink free water that comes from a faucet. Victoria A false economy in many countries, although foreign hospitals often make for interesting sightseeing diversions. I have visited Nepal, Ecuador, Peru, Mexico, and Guatemala without hospital sightseeing. My more recent tri...
- Mon Apr 16, 2018 11:08 am
- Forum: Personal Consumer Issues
- Topic: BH travel tips?
- Replies: 122
- Views: 6464
Re: BH travel tips?
y; I have gotten into places where I have run out of water and held back at paying several dollars for a bottle of water that I could get at a grocery store for a quarter. That was a mistake since I got dehydrated and grumpy and ruined the afternoon. Now if I run out of water I just buy the overpri...
- Sun Apr 15, 2018 3:45 pm
- Forum: Personal Consumer Issues
- Topic: BH travel tips?
- Replies: 122
- Views: 6464
Re: BH travel tips?
Get Global Entry. It will let you to board faster via TSA PreCheck and to go through the customs faster on you return from abroad. Victoria I suspect that, like me, many Bogelheads are old enough to often get free TSA PreCheck from the airlines and are too cheap with their $$ and time to get Global...
- Sun Apr 15, 2018 3:33 pm
- Forum: Personal Consumer Issues
- Topic: BH travel tips?
- Replies: 122
- Views: 6464
Re: BH travel tips?
If you’re going to use an ATM to get cash in the country’s currency be sure your spouse has an ATM card too, preferably in his/her own name. A bank ATM in Greece ate my card on a holiday which would have left us with very limited funds. We found another ATM and used my wife’s card with no problem. ...
- Sat Apr 14, 2018 2:48 pm
- Forum: Personal Consumer Issues
- Topic: BH travel tips?
- Replies: 122
- Views: 6464
Re: BH travel tips?
Get Global Entry. It will let you to board faster via TSA PreCheck and to go through the customs faster on you return from abroad.
Victoria
Victoria
- Sat Apr 14, 2018 2:44 pm
- Forum: Personal Consumer Issues
- Topic: BH travel tips?
- Replies: 122
- Views: 6464
Re: BH travel tips?
I travel abroad without any telephones, smartphones, or computers. This allows me to focus on the people and places I visit rather than the electronics. And I have fewer concerns about theft.
Victoria
Victoria
- Sat Apr 14, 2018 10:24 am
- Forum: Personal Consumer Issues
- Topic: Name something you had to have and now you regret purchasing it?
- Replies: 376
- Views: 39941
Re: Name something you had to have and now you regret purchasing it?
- Sat Apr 14, 2018 10:00 am
- Forum: Personal Consumer Issues
- Topic: Termination of transfers from SPG and Marriott to airlines?
- Replies: 89
- Views: 4165
Re: Termination of transfers from SPG and Marriott to airlines?
OP is speculating upon a speculation. There is some event soon but it is speculation that it is about SPG/Marriott program and it is speculation program will merge August and it is also speculation no airline transfer option. It's also speculation that program award chart will be dynamic priced bas...
- Fri Apr 13, 2018 2:34 pm
- Forum: Personal Consumer Issues
- Topic: Termination of transfers from SPG and Marriott to airlines?
- Replies: 89
- Views: 4165
Re: Termination of transfers from SPG and Marriott to airlines?
I have seen no reliable source that the airline transfer will be eliminated without notice. I plan on holding on to my Marriott and SPG miles....for now. I fully agree that the rumors about termination of transfers are unreliable. However, I am thinking of this as a Pascal's Wager. If the transfers...
- Fri Apr 13, 2018 2:28 pm
- Forum: Personal Finance (Not Investing)
- Topic: Estimated Taxes: Do you have to pay in equal installments?
- Replies: 45
- Views: 9274
Re: Re:
One should not get in tax trouble if later quarters have higher annualized income tax (due to higher income). However, it may be necessary to file with the tax return Form 2210 with Schedule AI (Annualized Income Installment Method) completed. Schedule AI documents what the income tax liability was...
- Fri Apr 13, 2018 2:23 pm
- Forum: Personal Consumer Issues
- Topic: Termination of transfers from SPG and Marriott to airlines?
- Replies: 89
- Views: 4165
Re: Termination of transfers from SPG and Marriott to airlines?
I have seen no reliable source that the airline transfer will be eliminated without notice. I plan on holding on to my Marriott and SPG miles....for now. I fully agree that the rumors about termination of transfers are unreliable. However, I am thinking of this as a Pascal's Wager. If the transfers...
- Fri Apr 13, 2018 2:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: Estimated Taxes: Do you have to pay in equal installments?
- Replies: 45
- Views: 9274
Re: Estimated Taxes: Do you have to pay in equal installments?
I over-estimate my estimated taxes for the year and pay equal installments in the 1st, 2nd and 3rd quarters. By the 4th quarter, I have a pretty good idea of my tax liability and reduce the amount of my estimated taxes for the 4th quarter accordingly. In the past, I would not have minded paying extr...
- Fri Apr 13, 2018 1:25 pm
- Forum: Personal Consumer Issues
- Topic: Termination of transfers from SPG and Marriott to airlines?
- Replies: 89
- Views: 4165
Termination of transfers from SPG and Marriott to airlines?
Several travel/credit card bloggers have posted about an upcoming 16 April 2018 announcement related to the Marriott and SPG merger (see, for example, Frequent Miler's today's post https://frequentmiler.boardingarea.com/2018/04/13/the-marriott-spg-rumor-mill-whats-real/). They predict that the joint...
- Fri Apr 13, 2018 11:42 am
- Forum: Personal Consumer Issues
- Topic: Name something you had to have and now you regret purchasing it?
- Replies: 376
- Views: 39941
Re: Name something you had to have and now you regret purchasing it?
Problem statement : After reading a book about sleep, I decided to improve the quality of mine by eliminating blue light frequencies for a couple hours before sleep. Regret : I have purchased two yellow light bulbs for my bedroom. Unfortunately, the bulbs were too dim for me to read in bed . This i...
- Wed Apr 11, 2018 7:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: Ivy school education. Is it worth it?
- Replies: 238
- Views: 12388
Re: Ivy school education. Is it worth it?
The flip side is that you don't get into an Ivy League school because your parents are movers and shakers. You get into an Ivy League school if you have superior talents: academic, creative, athletic, artistic. Citation most definitely needed. Unless you count being born into the right family a sup...
- Wed Apr 11, 2018 6:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: Ivy school education. Is it worth it?
- Replies: 238
- Views: 12388
Re: Ivy school education. Is it worth it?
The flip side is that you don't get into an Ivy League school because your parents are movers and shakers. You get into an Ivy League school if you have superior talents: academic, creative, athletic, artistic. Citation most definitely needed. Unless you count being born into the right family a sup...
- Wed Apr 11, 2018 6:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Ivy school education. Is it worth it?
- Replies: 238
- Views: 12388
Re: Ivy school education. Is it worth it?
I live in an affluent area with many doctors, lawyers; movers and shakers. Many of their kids are going to ivy league level schools. Understandably their parents are very proud. My son on the other hand is an average student. A top Ivy League school (Harvard, Princeton, Yale) is the best option bec...
- Wed Apr 11, 2018 6:11 pm
- Forum: Personal Consumer Issues
- Topic: Help with shared child being spoiled
- Replies: 46
- Views: 3887
Re: Help with shared child being spoiled
No, it is not. Nobody has rights over your child. You have the rights. And you have the responsibility to raise your child according to your values.ddurrett896 wrote: ↑Wed Apr 11, 2018 5:22 pmI don't think it's the right move to ask the grandparent to stop spoiling him and frankly that's their right.
Victoria