Search found 60 matches

by utvolfan
Mon Oct 28, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 9260

Re: How much do you plan to spend on your children's weddings?

The largest driver of wedding costs is the length of the guest list. And often it is the parents forcing the couple to invite this aunt or that cousin or this family friend. So true! My DD and DS were both given the same amount to use however they wanted. My DD soon found out that with a venue rent...
by utvolfan
Sun Oct 27, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 30772

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Thanks for more details on the churning. I do have a Chase card so will investigate other cards on the site. I never pay attention to that, and also am always shredding offers just b/c “We really don’t need another card” Are you penalized at all for closing the account so soon or does it hinder gett...
by utvolfan
Sun Oct 27, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 30772

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

I have been intrigued with this entire thread and appreciate your willingness to share so many details. Regarding the churning, I looked at the first new credit card on the list, the Capitol One Savor with the $300 bonus. I see after the first year this card has a $95 annual fee. How do you feel abo...
by utvolfan
Sat Oct 12, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?
Replies: 52
Views: 5320

Re: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?

If you do go to the Smokies and want peace and quiet, stay in Townsend which is two miles from the park line. Driving the Cades Cove loop road is a must especially at dawn or dusk to see all the wildlife. It’s about 20-30 minutes through the park to Gatlinburg or about the same on Hwy 321 to Pigeon ...
by utvolfan
Thu Oct 10, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6815

Re: What are the essential and discretionary expenses in a retirement budget?

Don't understand all the anguish in this post by the OP. Living expenses don't magically change category after retirement; except perhaps those directly associated with one's employment - clothing, shoes, dry cleaning, fuel and repairs for autos, etc. You got to eat, you got to have a place to live...
by utvolfan
Sun Oct 06, 2019 7:18 pm
Forum: Personal Investments
Topic: SC teacher retirement help
Replies: 14
Views: 1466

Re: SC teacher retirement help

For school districts and I believe all state employees, it is all set up through deferred comp and then they contact the employer. You can manage your accounts (401k and 457) online, change the amount deducted from your pay, change your holdings, etc. You can get assistance from the local advisor li...
by utvolfan
Sun Oct 06, 2019 4:53 pm
Forum: Personal Investments
Topic: SC teacher retirement help
Replies: 14
Views: 1466

Re: SC teacher retirement help

These are the funds available in the 401k and 457 plans. Scroll to page 4 or so and see ERs and performance data. https://docs.retirementpartner.com/ioag/98955-01_IOAG.pdf This is just a list of the funds available in the different categories (target, international,small cap, etc) https://southcarol...
by utvolfan
Sun Oct 06, 2019 1:03 pm
Forum: Personal Investments
Topic: SC teacher retirement help
Replies: 14
Views: 1466

Re: SC teacher retirement help

https://southcarolinadcp.empower-retirement.com/participant/#/login This is the login and information page for the deferred comp plans in SC. The links at the top will give you info on the 401k and 457 plans (they also have Roth versions), the investment options, etc. Each territory in the state als...
by utvolfan
Mon Aug 19, 2019 1:58 pm
Forum: Personal Investments
Topic: Paging Taylor Larimore one last time!
Replies: 21
Views: 6982

Re: Paging Taylor Larimore one last time!

I have that same question. I have always heard it the same way Taylor described (50% stock, 25% loss; 100% stock, 50% portfolio loss etc.) Any ideas to the accuracy in the chart above?
by utvolfan
Sun Aug 18, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 7503

Re: Moving from Bay area, CA to Knoxville, TN

Or you can live in Maryville/Alcoa (twin cities) and drive 20 minutes to work in Knoxville, and be just 25 minutes from the mountains and national park. The airport for Knoxville is actually in Alcoa. Have you visited the area?
by utvolfan
Sun Aug 18, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 7503

Re: Moving from Bay area, CA to Knoxville, TN

The Farragut area of Knoxville is a wonderful area to live. You are probably 45 minutes to the national park line going through Maryville (another very nice area) if you enjoy the mountains, hiking, etc. Then you have the lakes right there if boating is on your list. And of course there is "Go Vols!...
by utvolfan
Sun Aug 11, 2019 12:30 pm
Forum: Investing - Theory, News & General
Topic: "When Vanguard's Retirement Income Calculator Stopped Making Sense"
Replies: 23
Views: 4536

Re: "When Vanguard's Retirement Income Calculator Stopped Making Sense"

Here is a link to a retirement calculator by T. Rowe Price that was recommended to me years ago (requires registration): https://www3.troweprice.com/ric/ricweb/public/ric.do Thanks for this link! I had heard of it but never realized you could use it without being a customer. Been playing around wit...
by utvolfan
Sat Aug 10, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 11414

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Dottie57 wrote:
Fri Aug 09, 2019 9:39 pm
Jags4186 wrote:
Fri Aug 09, 2019 7:45 pm
https://www.talentigelato.com/

You’ll never go back.
I like both. But they are very different. B&J. Have great combos. Talenti is smooth with deep flavor.

If you are a chocolate lover, the Double Dark Chocolate is heaven! When Food Lion had it on sale 3 for $10, I overindulged!!
by utvolfan
Sat Aug 10, 2019 2:00 pm
Forum: Investing - Theory, News & General
Topic: "When Vanguard's Retirement Income Calculator Stopped Making Sense"
Replies: 23
Views: 4536

Re: "When Vanguard's Retirement Income Calculator Stopped Making Sense"

Sandi_k, Regarding the retirement calculator you recommended, I went to the site and played around with the free one (no sign up required) and it continually suggests trying the new retirement planner that is free but more informative, but requires making an account. Have you used this free more in ...
by utvolfan
Mon Aug 05, 2019 7:29 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" episode 012 - guest Larry Swedroe, host Rick Ferri
Replies: 50
Views: 5692

Re: "Bogleheads on Investing" episode 012 - guest Larry Swedroe, host Rick Ferri

Thanks, retiredjg, for taking the time to clearly explain that concept. It makes perfect sense!
by utvolfan
Mon Aug 05, 2019 1:38 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" episode 012 - guest Larry Swedroe, host Rick Ferri
Replies: 50
Views: 5692

Re: "Bogleheads on Investing" episode 012 - guest Larry Swedroe, host Rick Ferri

Would you be willing to give your opinion on using the LTCGs from a taxable account along with the dividends and interest for retirement living expenses? I know this inhibits growth in the account, but if taxes have to be paid on them anyway is it acceptable to use them? I think there may be some c...
by utvolfan
Mon Aug 05, 2019 11:45 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" episode 012 - guest Larry Swedroe, host Rick Ferri
Replies: 50
Views: 5692

Re: "Bogleheads on Investing" episode 012 - guest Larry Swedroe, host Rick Ferri

Just listened to the very informative podcast, and have a question regarding Rick's "live off dividends & interest" versus Larry's "total return" discussion. Does Rick's method involve only dividends and interest or also long term capital gains? I have often read on here that some people stop reinv...
by utvolfan
Sun Aug 04, 2019 6:14 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" episode 012 - guest Larry Swedroe, host Rick Ferri
Replies: 50
Views: 5692

Re: "Bogleheads on Investing" episode 012 - guest Larry Swedroe, host Rick Ferri

Just listened to the very informative podcast, and have a question regarding Rick's "live off dividends & interest" versus Larry's "total return" discussion. Does Rick's method involve only dividends and interest or also long term capital gains? I have often read on here that some people stop reinve...
by utvolfan
Thu Jul 11, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Bank of America Credit Card from Another Bank?
Replies: 15
Views: 1404

Re: Pay Bank of America Credit Card from Another Bank?

Yes, you can do this. I pay my B of A cash rewards credit card with my credit union account. No problems.
by utvolfan
Sat Jun 29, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Trex decking or alternatives?
Replies: 44
Views: 4248

Re: Trex decking or alternatives?

We have a Trex deck, about 6 years old and it has held up very well. We have a local Lowe's and I looked there, but after reading the brochure, found out that the in-stock Trex at Lowe's is not supposed to be pressure washed. So we rode an hour to Home Depot, and the in-stock Trex there can be press...
by utvolfan
Mon Jun 24, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 4026

Re: Pickleball Paddle recommendation?

Shop through pickleballcentral.org and ask them for recommendations. When you purchase from them you can return the paddle for a different one within 30days if you don’t like it. I started playing last fall. I have the paddle tek Tempest Wave and the Onix Z-25. First one is better for touch. The sec...
by utvolfan
Sun Jun 23, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Premium vs Big Box outdoor furniture
Replies: 8
Views: 941

Re: Premium vs Big Box outdoor furniture

First consider how you plan to use the furniture. I have a sofa and two swivel rockers in wicker with sunbrella fabric on my screened porch which is essentially an outdoor living room, used as much as our den. Paid a premium price, but found when shopping that there is a great discrepancy in the com...
by utvolfan
Wed May 29, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 15922

Re: Can we afford to pay for our kid's college (at all)?

Why spend so much on an international trip as a graduation gift when he needs that money for college? Can those plans be changed or is international travel the status quo amongst his peers?
by utvolfan
Thu Apr 11, 2019 8:35 pm
Forum: Investing - Theory, News & General
Topic: Help needed. Roth contribution into settlement fund?
Replies: 3
Views: 333

Help needed. Roth contribution into settlement fund?

Nothing like waiting until the last minute for my 2018 contribution. This is my first year having the brokerage account instead of just the mutual fund account. I actually want to put some of my contribution into the federal money market account for fixed income in lieu of a CD. In the past if I wan...
by utvolfan
Wed Mar 27, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Buying Concert Tickets
Replies: 20
Views: 974

Re: Buying Concert Tickets

I bought my Elton John tickets directly through Ticketmaster, and we recently attended the concert. Close to 3 hours of music and it was awesome! Well worth the price and they were more expensive than I would normally pay. No regrets here!
by utvolfan
Sun Feb 10, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: When is a car "totalled" if not at fault?
Replies: 26
Views: 2219

Re: When is a car "totalled" if not at fault?

I totally understand how you feel screwed. You had no need to replace the car at this time and through no fault of your own, you are forced to do so. I bought a two year old vehicle with 7000 miles on it and have been driving it for 8 years. I only have 63,000 on it and knock on wood, have had no ma...
by utvolfan
Fri Nov 02, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: no dividends in index funds!
Replies: 95
Views: 10223

Re: no dividends in index funds!

So since you are taxed on dividends anyway, if you need to withdrawal retirement money doesn't it make sense to take the dividends instead of reinvesting since they are going to be taxed that year regardless of what you do with them? Then if you need more than what the dividends provide you would se...
by utvolfan
Sun Oct 14, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Roth IRA contribution--new account or existing?
Replies: 4
Views: 401

Re: Spousal Roth IRA contribution--new account or existing?

Thanks, wanted to be sure an existing IRA could be used! Sounds like a plan. Appreciate the response.
by utvolfan
Sun Oct 14, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Roth IRA contribution--new account or existing?
Replies: 4
Views: 401

Spousal Roth IRA contribution--new account or existing?

If a spouse had been working and contributed to a Vanguard Roth IRA for years, but is now retired and has no income other than a pension, as long as one of them is working and they file jointly, a spousal IRA contribution can be made on their behalf, correct? Can this contribution go into the spouse...
by utvolfan
Mon Oct 08, 2018 7:18 pm
Forum: Personal Investments
Topic: Vanguard Portfolio Watch advice
Replies: 14
Views: 1271

Re: Vanguard Portfolio Watch advice

Thanks for the tips on the X-ray tool. I also read the thread Livesoft referred me to on Portfolio Watch. There seems to be discrepancies for many people on the portion of the the tool when it breaks down the large cap, mid cap, and small cap stocks. But I was able to get some useful information fro...
by utvolfan
Mon Oct 08, 2018 5:05 pm
Forum: Personal Investments
Topic: Vanguard Portfolio Watch advice
Replies: 14
Views: 1271

Re: Vanguard Portfolio Watch advice

... and didn't want to be too heavy in large caps or growth stocks if it was going to put us at risk, even if we don't have a very high stock allocation. Generally, mid-caps and small-caps are riskier, so being too heavy in large caps probably reduces the risk of one's equity portfolio. And adding ...
by utvolfan
Mon Oct 08, 2018 4:52 pm
Forum: Personal Investments
Topic: Vanguard Portfolio Watch advice
Replies: 14
Views: 1271

Re: Vanguard Portfolio Watch advice

Vineviz, Yes, thankfully I have learned about the importance of expense ratios from reading this forum and since that time have made decisions with that as a deciding factor in many instances. Overall we are at .23 but I take partial blame for that not being lower because the STAR fund is .32 and it...
by utvolfan
Mon Oct 08, 2018 4:22 pm
Forum: Personal Investments
Topic: Vanguard Portfolio Watch advice
Replies: 14
Views: 1271

Re: Vanguard Portfolio Watch advice

Livesoft, thanks for the reply! I will definitely check out that thread. I was quite curious to see how people feel about Portfolio Watch, and that may answer some general questions. I may try to use the Morningstar X-ray to see the make-up of my stock allocations just to compare as I think I can do...
by utvolfan
Mon Oct 08, 2018 4:08 pm
Forum: Personal Investments
Topic: Vanguard Portfolio Watch advice
Replies: 14
Views: 1271

Re: Vanguard Portfolio Watch advice

So my questions are: 1. How much do you consider the guidelines in Portfolio Watch? With your equity allocation at under 35% (why so low?), I wouldn't worry much about the sub-allocation. 10% of 33% is not enough to fret about. Why so low? Worry about sequence of returns risk. I am late 50's, just ...
by utvolfan
Mon Oct 08, 2018 2:20 pm
Forum: Personal Investments
Topic: Vanguard Portfolio Watch advice
Replies: 14
Views: 1271

Vanguard Portfolio Watch advice

Questions for those of you familiar with Portfolio Watch on Vanguard's website. I have recently been using Portfolio Watch on my Vanguard account to analyze our total portfolio. Our asset allocation is around 33% stock which falls into our desired 30-35% range, but it advises that we are too heavy o...
by utvolfan
Thu Mar 01, 2018 10:13 pm
Forum: Personal Investments
Topic: Need to move IRA but scared
Replies: 23
Views: 1884

Re: Need to move IRA but scared

In SC's deferred compensation plans, there are options for 457b, 401k, and Roth 401k that you can do on your own. And of course there are those who are always eager to sell their 403b options. You absolutely need to have deferred accounts or fund a Roth every year to supplement your pension. The pen...
by utvolfan
Mon Aug 21, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 22920

Re: How far would you travel to see The Eclipse?

Almost two minutes of totality from my back deck! What an amazing experience! Agree that it was rather eerie as totality approached...complete stillness. Thank you Mother Nature for cooperating!
by utvolfan
Mon Nov 16, 2015 5:28 pm
Forum: Personal Consumer Issues
Topic: Shoe Orthotics
Replies: 24
Views: 4106

Re: Shoe Orthotics

I second the PowerStep Pinnacle inserts, but break them in slowly! I had plantar fasciitis years ago and went through 3 cortisone shots in the bottom of my foot by a podiatrist over several months. All it did was mask the pain. I did not run during the months of treatment, but rode a Lifecycle stati...
by utvolfan
Thu Nov 05, 2015 10:23 am
Forum: Personal Finance (Not Investing)
Topic: What happened ???? Fidelity Retirement Investment Planner
Replies: 15
Views: 3713

Re: What happened ???? Fidelity Retirement Investment Planner

I just watched a few videos on the new tool and was impressed with the information it provides. I am so tempted to try the 30 day trial to have temporary access to the planner but do not want to be swamped with emails and phone calls by Fidelity attempting to gain a new customer. Does anyone have ex...
by utvolfan
Fri Jul 03, 2015 9:12 pm
Forum: Personal Investments
Topic: 401K - Stable Fund Vs. Other Choice
Replies: 10
Views: 3325

Re: 401K - Stable Fund Vs. Other Choice

Thanks for the suggestions. My SV fund is fully liquid, and has just dropped slightly (from 2.55%) to the 2.5% for the next 3 months. We were at 2.75% this time last year and until January. I'll keep an eye on the rate and as long as I am at 2% or above, I'll probably stay put.
by utvolfan
Thu Jul 02, 2015 9:25 pm
Forum: Personal Investments
Topic: 401K - Stable Fund Vs. Other Choice
Replies: 10
Views: 3325

Re: 401K - Stable Fund Vs. Other Choice

I am interested in hearing opinions on this as well as I have similar options and will also be retiring in the next 2-3 years. Right now I am also using the Stable Value fund and am curious if others feel bonds are more appropriate. The bonds in our IRAs are split between Wellesley and the Total Bon...
by utvolfan
Sat Jan 24, 2015 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Half off TurboTax thru Monday
Replies: 37
Views: 5812

Re: Half off TurboTax thru Monday

Just to clarify what I would be purchasing... This half off version is the downloadable version only, am I correct? The offer through Vanguard with the $20 discount (I'm not Flagship) is the online version, which I have used in the past. I'm assuming the downloadable version is not stored in the clo...
by utvolfan
Thu Oct 23, 2014 4:57 pm
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 28
Views: 5760

Re: vacation destinations similar to Savannah or Charleston

To those of you that have offered suggestions, thank you! I have been doing some research and what we have decided is Coronado, California ! We will get to spend time on the PCH exploring a few of the beaches north of there (just not as far north as Laguna), and also see San Diego. (and temps should...
by utvolfan
Wed Aug 27, 2014 8:42 pm
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 28
Views: 5760

Re: vacation destinations similar to Savannah or Charleston

Lots of great suggestions! I'm ready to do some research and welcome any other ideas. Thanks to all who replied!
by utvolfan
Tue Aug 26, 2014 6:16 pm
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 28
Views: 5760

vacation destinations similar to Savannah or Charleston SC

Due to illness my daughter and I had to cancel a trip to Destin last year (have never been there--it was for a wedding). The airline will allow us to use our tickets to fly anywhere in the continental US as long as we use them before Thanksgiving and of course pay the difference if there is any, but...
by utvolfan
Sat Jul 05, 2014 12:08 pm
Forum: Personal Investments
Topic: AA: Jump in or glide in with Inheritance Cash?
Replies: 23
Views: 2817

Re: AA: Jump in or glide in with Inheritance Cash?

Nedsaid, You are exactly right--it is a battle between the emotional and rational self! On the one hand that cash is an emotional cushion that for me would seem to take forever to replace, but on the other hand when I start putting the numbers in the retirement simulators, I can clearly see that 25%...
by utvolfan
Sat Jul 05, 2014 10:36 am
Forum: Personal Investments
Topic: AA: Jump in or glide in with Inheritance Cash?
Replies: 23
Views: 2817

Re: AA: Jump in or glide in with Inheritance Cash?

Thank you placeholder. I made the edit and will try my best not to make any mistakes in the future--I will admit I didn't pay attention to the preview button! :) Lafder, Your patience and insight is really appreciated!! I know that just making a spreadsheet of all of our assets and then inputting it...
by utvolfan
Sat Jul 05, 2014 9:44 am
Forum: Personal Investments
Topic: AA: Jump in or glide in with Inheritance Cash?
Replies: 23
Views: 2817

Re: AA: Jump in or glide in with Inheritance Cash?

Lafder, Thank you for your kind reply and your book suggestion. I will check the library first next week before I hit amazon. When I just looked at the "posting your portfolio thread" you suggested, I saw that 3-6 months of emergency expenses should not be listed in your portfolio. :oops: So now we ...