Search found 103 matches

by nanosour
Tue Nov 26, 2019 8:19 pm
Forum: Personal Investments
Topic: So I had my free phone call from Personal Capital . . .
Replies: 27
Views: 4033

Re: So I had my free phone call from Personal Capital . . .

Well done. I guess the bottom line to his claims is that it's just so much easier to beat the market than 20 years ago. :oops: Good luck with that. .89% AUM, plus all the fees that his trading will generate, is a lot of headwind to overcome. I'll stick with the 5.9% real return that the 3-Fund portf...
by nanosour
Wed May 29, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 15931

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

The original post disgusts me. I've probably never made over $40k in a year, I'm a single father, and both of my kids will have at least most of their college paid for through 529s, summer jobs, and whatever I have to add. Realistically, they may have to finish up by taking student loans. But then ...
by nanosour
Mon May 06, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: Winter Tires All Year?
Replies: 62
Views: 4451

Re: Winter Tires All Year?

I purchased Blizzacks in winter of 2005 for my then new car and rotated them out seasonally. With 82K on the vehicle in winter of 2013 I put the Blizzacks on for the last time as my all seasons needed to be replaced. I knew at the time I would only be driving 100-150 miles/month so I chose to just l...
by nanosour
Sat May 04, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Please Critique our Budget
Replies: 28
Views: 2524

Re: Please Critique our Budget

For my tastes you are overly itemized. I get that some folks obsess on where each and every dollar goes, but I find it exasperating given the other obsessive tracking I do, i.e. investment accounts. I'll share our Quicken/Mint budget (also 3 kids). Net Income: His Hers Mortgage Insurance Auto/Home (...
by nanosour
Sat Jan 12, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Mint vs Personal Capital
Replies: 25
Views: 6445

Re: Mint vs Personal Capital

The name escapes me, but I have that disease where one obsessively tracks their personal finances on a daily basis. Been using Mint since 2011 and have tried PC multiple times over that period, but dropped PC each time within 2 months. Mint does a much better job of tracking monthly budget items and...
by nanosour
Tue Jan 01, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Subaru infotainment issues -can people chime in?
Replies: 44
Views: 9842

Re: Subaru infotainment issues -can people chime in?

Currently, dealers are unloading the Outbacks for close to $6K below MSRP. That's $3K below invoice. In Oct I got my local dealer down to $2,500 below invoice without much effort at all. I put $500 down on an inbound 2019 Touring Model ($40,180 MSRP), then I found out about this issue and requested ...
by nanosour
Sat Dec 22, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive Colleges - Investment Worth It
Replies: 67
Views: 2828

Re: Expensive Colleges - Investment Worth It

No...know that it's not worth it. What's worth knowing is that the same drive and effort she's put forth to this point will serve her well no matter where she goes to college. However, if she becomes a whiny, spoiled, brat about not being able to attend her #1, top-tier school, and is willing to sac...
by nanosour
Wed Dec 19, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Any advice for buying a used car?
Replies: 79
Views: 3950

Re: Any advice for buying a used car?

Some very recent experience. Just drove new used car purchase home yesterday. First, don't trust the vehicle history report from Carmax. I had three 2015 Lexus RX 350s shipped to my local Carmax over the past 2 months. Each one had been in an accident that didn't show up on their history report. I n...
by nanosour
Sat Nov 03, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Please help me with my car decision
Replies: 42
Views: 3627

Re: Please help me with my car decision

Ditch the Porsche and get a Subaru Outback 3.6R Touring for your daily driving needs. (Assembled in Indiana so you'll be supporting the local economy) Then get a cool retro motorcycle to scratch your fun driving itch.
by nanosour
Wed May 23, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 59
Views: 5380

Re: Quicken - Do you use it?

Personally, I would find it hard to envision my financial life without Quicken. Started in 2005 for Quicken for Mac. (The year I made the switch to mac). I've since tracked all spending as all our money goes in and out of one checking account which I've had since 1987. I auto-download almost daily a...
by nanosour
Wed May 16, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3779

Re: Brake work estimate

I recently bought pads and rotors for all 4 tires on Amazon for $145 (2006 Sienna). Found a mechanic on craigslist that did the work for $50. New pads and rotors on all 4 wheels for $195. Search "Brakes" in your local craigslist and you'll be surprised at the money you can save. Why pay for all that...
by nanosour
Mon May 07, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 163
Views: 22193

Re: What have you baked recently?

I baked my 2009 iMac graphics card for 8 minutes at 400 Degrees. Secured the internal connections and now computer is as good as new. :)
by nanosour
Fri Mar 16, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: i-ORP: Short or Long input form ?
Replies: 7
Views: 820

Re: i-ORP: Short or Long input form ?

I definitely use the long form. The short form is too limited and difficult to accurately simulate an early retirement.
by nanosour
Wed Mar 14, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Missing my Microsoft Money - any equivalents?
Replies: 53
Views: 15276

Re: Missing my Microsoft Money - any equivalents?

If you've made the switch to Mac, I think you're looking at Quicken as your best money manager on that platform. It's gonna run you about $25/year as Quicken recently embarked on a subscription service. I was leary of this, but after purchasing the recent version, I have to say it is very good and m...
by nanosour
Sat Jan 27, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Cigar buying help
Replies: 39
Views: 3261

Re: Cigar buying help

Here's what you need from a long time cigar smoker (20+ years) and a golfer to boot. These sticks burn better than any I've ever smoked and are always in my humidor.

https://www.cigarsinternational.com/p/v ... s/1412221/

Get the Toro...great mild cigar for the price.
by nanosour
Fri Jan 26, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Rhino Retirement Analyzer
Replies: 4
Views: 955

Re: Rhino Retirement Analyzer

Just spent some time with this Analyzer. It's rather simplistic in its ability to accept inputs, i.e. only one pension per person, no added family members, etc, etc. For my specific situation (SAHD, Teacher Mom), its "Insurance Optimizer" suggested $900K 20-year term for each of us at a cost of ~550...
by nanosour
Fri Jan 26, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 111
Views: 10988

Re: Quit jobs to gain lower EFC [Expected Family Contribution]

Thanks for the update. Just read through the entire thread and found it very interesting. From my understanding, only 12% of yearly income is counted toward your ability to pay. Given that, I'd continue to work and take the hit. BTW, sounds like your in a very similar situation to my wife and I, and...
by nanosour
Wed Aug 16, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 8715

Re: Plan for making child pay for part of college

I believe the governments formula for calculating Expected Family Contribution is basically fair (12% of family income + 5.6% of assets). We have our first starting college in a week and she chose, and was accepted to a private that met 100% of need. We signed up to meet the EFC - her maximum Staffo...
by nanosour
Wed Jul 19, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Compensation and Subspecialties
Replies: 52
Views: 6588

Re: Physician Compensation and Subspecialties

Your biggest problem is you're a Giants fan. The heartache that goes with that is excruciating. Find another team to root for and life will seem a lot better :beer
by nanosour
Wed Jun 07, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 313
Views: 46537

Re: KF's Worst Case Retirement Plan [KlangFool's]

This has been an interesting read. I retired 4 years ago at age 49 with 3 children at home ages 10, 11, 14. The first is heading off to college in the fall. I left at the peak of my career pulling in north of 200K with a 38K gov't pension and roughly 750K in cash assets split 50/50 taxable/tax-advan...
by nanosour
Tue Apr 11, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school tuition
Replies: 42
Views: 5981

Re: Can we afford private school tuition

Have you considered moving to a better public school location? May be a longer commute, but would be much cheaper in the long run. Also, don't buy into the myth that you child will need a private education to get into a "top-tier" private college. It's just that, a myth. Truthfully, your children's ...
by nanosour
Thu Mar 16, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads handle allowance?
Replies: 38
Views: 4396

Re: How do Bogleheads handle allowance?

We have 3 teenagers and they each get their age per week. IRC, this started when they were about 8/9. It's worked out great as they've each learned the value of money and how to budget. I would give them 4 weeks worth at the beginning of each month in cash, and then opened a children's debit card sa...
by nanosour
Tue Feb 14, 2017 1:05 am
Forum: Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 113
Views: 18132

Re: How Much Cash Do You Actually Hold?

Four years into early retirement and I keep 2 years of expenses in Ally saving account earning 1%. After 12 months I replenish to 2 years. I figure this gives me at least a 12 month buffer should I have to look for gainful employment. Fortunately haven't had to look for work yet.
by nanosour
Fri Feb 03, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 90
Views: 10711

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

I go by the KISS principle.

1. 3.5 years into early retirement

2. 55/35/10 AA

3. VG 3-fund portfolio

4. Start with 2 years expenses and replenish annually. Provides me with a job search buffer should I ever feel the need to go back to work.
by nanosour
Sun Sep 18, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Coffee makers: Moka, French Press, etc.
Replies: 64
Views: 6691

Re: Coffee makers: Moka, French Press, etc.

We had been French Press users for the past 10 years before switching to the Moka pot after a vacation to Italy. DW and I were both amazed at how good the coffee was from this little percolator. They are inexpensive and very easy to work with. Google/youtube Bialetti Moka pot and you'll have all the...
by nanosour
Sat Sep 17, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 19064

Re: Favorite Coffee

After returning from Italy, we bought a Moka pot and am now drinking illy MOKA blend. Tried to brew our Starbuck Verona in it and it was nasty :annoyed

The illy MOKA is worth the extra cost. Delicious!
by nanosour
Thu Sep 08, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 35159

Re: How much is your cell phone bill?

Carrier: Consumer Cellular (ATT MNVO) Number of Lines: 3 (1 iPhone 5S, 2xiPhone 4) Voice: 250 minutes/mo Shared (Use Vonage app when on WiFi) Text: 2000/mo limit Data: 200 MB/Month (99% WiFi access, don't use data all that much when out and about) Monthly Cost (including taxes): $54 Been very happy ...
by nanosour
Sat Sep 03, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 18243

Re: Who is ready for iphone 7?

In true Boglehead style, I still have a mostly love relationship with my iPhone 4 purchased in Jun 2010. Been retired since mid 2013 and find myself using the "advanced" functionality of the smart phone less and less. It's almost like I've gone back 15 years, before the whole mobile phone era. So I ...
by nanosour
Sun Aug 21, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on coffee/tea?
Replies: 58
Views: 6041

Re: How much do you spend on coffee/tea?

I have few vices in this world, but coffee is definitely one and I'm not looking to sacrifice the enjoyment of a great cup of joe for a few bucks a week. Coffee has been one of the great journey's of my adult life. I've done it all, from Folger's in the beginning, to most recently Illy MOKA for our ...
by nanosour
Sun May 15, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 30194

Re: Rich But Middle Class

This seems to be a question of what is more important to you; you lifestyle or financial independence? With your current lifestyle, I suspect it will be a long time before you are financially independent. Especially considering the unknowable income/loss from "professional" day trading. That is a ri...
by nanosour
Sat Nov 14, 2015 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Worst night of my life [personal loan or cash out IRA to pay gambling debt]
Replies: 126
Views: 14619

Re: Worst night of my life [personal loan or cash out IRA to pay gambling debt]

Having read through all the posts, I'm not sure I wouldn't just bite the bullet and liquidate the IRA and pay the credit cards off right away. Just get is over with instead of dragging it out for several years, whether in the courts or with a monthly payment to constantly remind you of your lack of ...
by nanosour
Wed Oct 07, 2015 9:06 am
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 31367

Re: ALLY Bank and the new tier announcement

I've been with Ally now for 2 years and am very happy with it. My account starts with 2 years worth of expenses with an automatic monthly withdrawal to my USAA checking account. The interest that Ally pays covers my monthly internet bill so I'm happy with that. Before moving to Ally, I kept the cash...
by nanosour
Wed Sep 16, 2015 8:43 am
Forum: Personal Consumer Issues
Topic: Auto Insurance
Replies: 3
Views: 636

Re: Auto Insurance

A windshield claim will not effect your rates. Let the insurance pay for it.
by nanosour
Tue Jul 14, 2015 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Drop collision and/or comprehensive insurance?
Replies: 32
Views: 5412

Re: Drop collision and/or comprehensive insurance?

There's no doubt in my mind that you should cancel the comp & collision on that vehicle. Insurance is all about risk and probability. The "average" driver gets in a "at-fault" accident every 11 years. You appear to be an above average driver given your accident history. With the money you'd save ove...
by nanosour
Sun May 03, 2015 11:33 pm
Forum: Personal Investments
Topic: Allocation and Retirement check
Replies: 5
Views: 1031

Re: Allocation and Retirement check

I like the road you're on. You appear to be making appropriate changes. I'm a big fan of the Vanguard 3-Fund portfolio using VBTLX, VTSAX and VTIAX. I like Total Market over the S&P 500 Index fund that you have listed, but that is a minor point. One thing that jumped out at me is the minimal additio...
by nanosour
Sun May 03, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring before kids start college. Thoughts?
Replies: 26
Views: 9128

Re: Retiring before kids start college. Thoughts?

The FAFSA formulas definitely complicate the education equation for an early retiree. If you can live off after tax money, it shouldn't be too difficult to qualify for the "Simplified Needs Test" thereby becoming eligible for considerable aid. I'm hoping that works out in my case. I have an 8 year w...
by nanosour
Sat Apr 11, 2015 11:55 am
Forum: Personal Investments
Topic: Retirement planning
Replies: 3
Views: 935

Re: Retirement planning

I took the liberty of entering your numbers in to ESPLanner and you are more than ready to retire today should you choose. ESPlanner gave annual spending levels of 105-111K. This is post tax spending assuming a real return of 3%. For me, the 70/30 AA is a little too risky at this stage and FWIW I wo...
by nanosour
Tue Apr 07, 2015 1:14 pm
Forum: Personal Consumer Issues
Topic: Updated from 2015: Vehicle Suggestions with 3 Kids
Replies: 45
Views: 10444

Re: Vehicle Suggestions with 3 Kids

We have 3 kids (11,13,16) and have had a Toyota Sienna for the past 11 years. I know it's anecdotal, but it's only been to the shop for oil changes every 5K miles and one set of brakes. It now has 91K on it and has been a great vehicle for the family. Wouldn't live without a minivan if I had 3 young...
by nanosour
Tue Apr 07, 2015 12:54 pm
Forum: Investing - Theory, News & General
Topic: Bored -- wondering about day trading for fun
Replies: 61
Views: 14959

Re: Bored -- wondering about day trading for fun

Have you heard of the 90/90/90 Rule?

The rule states that 90% of day traders, lose 90% of their money, within the first 90 days of trading.

It's spring time. Pick a nice sunny day, buy some peanuts, and go watch a baseball game. :)
by nanosour
Fri Jan 23, 2015 6:58 pm
Forum: Investing - Theory, News & General
Topic: What Experts Say About "Indexing"
Replies: 19
Views: 8819

Re: What Experts Say About "Indexing"

Shouldn't the title of the thread read, What "Experts" Say About Indexing?
by nanosour
Wed Dec 17, 2014 5:06 pm
Forum: Personal Investments
Topic: AA for Early Retirement
Replies: 32
Views: 5416

Re: AA for Early Retirement

55/35 here with 10% in cash. The AA question is much more relevant than the withdrawal rate discussion. Each individual scenario is unique with no uniform WR that can be applied to every situation. For instance, most early retirees can look forward to a pension at some point and SS. These payments m...
by nanosour
Fri Dec 12, 2014 2:18 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Withdrawals by time and amount
Replies: 36
Views: 4644

Re: Retirees: Withdrawals by time and amount

I started my early retirement with 2 years spending cash in an Ally online savings account earning .86%. I have an automatic monthly withdrawal sent to my checking account from which I pay all living expenses. After a year the Ally account is down to 1 year's worth of expenses and at the time I tran...
by nanosour
Wed Nov 19, 2014 11:37 am
Forum: Personal Investments
Topic: Portfolio Advice for a possible early retirement
Replies: 6
Views: 1725

Re: Portfolio Advice for a possible early retirement

Below is the output from ESPlanner Basic given the information provided in the OP. The only difference is I assumed $0 income after retirement in 3 years. The numbers below assume a 3% real rate of return. This should be easy to accomplish with a 40/60 portfolio. I would suggest the following Vangua...
by nanosour
Tue Oct 28, 2014 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Family Car Insurance Review Requested
Replies: 20
Views: 1914

Re: Family Car Insurance Review Requested

I suggest you look at dropping the Comprehensive and Collision. Research and you'll find that if a car is worth less than $10K, and you are an average driver, then statistically it is better to self insure for these risks. Average driver gets in an at fault accident every 11 years. You appear to be ...
by nanosour
Sun Aug 24, 2014 5:45 pm
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 3454

Re: Best iPhone deal for light user

My usage is the same as yours and I switched from ATT to Consumer Cellular this past Feb. Been very happy with the service and pay $39/month for 2 iPhone 4 models. 200 mins/1000 texts/100 MB of data. I have the 3G data turned off all the time and only turn it on when I need specific information. Tha...
by nanosour
Wed Jul 09, 2014 12:29 pm
Forum: Investing - Theory, News & General
Topic: The value of a ROTH conversion in retirement
Replies: 21
Views: 3804

Re: The value of a ROTH conversion in retirement

If you're in the early years of retirement living off a taxable before pensions, social security and RMDs, your tax situation may be such that some of your Roth conversions may be tax free. Run some numbers with taxcaster. Taxcaster: https://turbotax.intuit.com/tax-tools/calculators/taxcaster/ This...
by nanosour
Thu Jul 03, 2014 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement calculator?
Replies: 25
Views: 6026

Re: Retirement calculator?

you dont want a calculator that you have to pay for. I have to disagree with this statement. If you are seriously considering retirement, particularly early retirement, I would suggest you be willing to part with a couple hundred dollars to check the numbers. A calculator such as ESPlanner is a wor...
by nanosour
Tue Jun 10, 2014 9:56 am
Forum: Personal Investments
Topic: Portfolio help: Day trader doctor trying to become boglehead
Replies: 10
Views: 1849

Re: Portfolio help: Day trader doctor trying to become bogle

You should drop one of your two career choices and I believe you're making the right choice to drop the day trading.

Try the three-fund portfolio. Not too exciting, but it works.


Good Luck.
by nanosour
Wed May 14, 2014 5:30 pm
Forum: Personal Consumer Issues
Topic: Buying a new suit for a promotion
Replies: 20
Views: 3217

Re: Buying a new suit for a promotion

Check out Jos A Banks Business Express suit. Excellent value for the money and they are always running a sale.
by nanosour
Tue Apr 08, 2014 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: How do you walk away from a good job?
Replies: 38
Views: 6374

Re: How do you walk away from a good job?

I walked away from my dream job to move 3000 miles away and live where we wanted to live. Had enough money and found it was priceless to live and grow old where we chose. It was all about having control over my life.