Search found 51 matches

by uncaD
Sun Nov 12, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Is my employers 3rd party administrator correct about VG expense ratios?
Replies: 9
Views: 752

Re: Is my employers 3rd party administrator correct about VG expense ratios?

Yes, he's correct. It'll be clear if you translate percentages into dollars and cents: Say you had $100 to invest: $50 to Mid Cap at .08% = $.04 in expenses $50 to Small Cap at .06% = $.03 in expenses So $0.07 (7 cents) total in expenses. The overall expense ratio is $0.07/$100 = .07% However, he is...
by uncaD
Fri Sep 22, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8740

Re: Age you retired

Retired at 45 in 2013
by uncaD
Thu Sep 21, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5448

Re: Uplifted Driveway = No Home Owners Policy ?!

stockfuturist wrote: ↑
Wed Sep 20, 2017 1:51 pm
$5-10K
Would it really cost that much to fix the problem? I've lived in condos all of my adult life so I have no clue about how much home repairs cost, but that seems like a lot.
by uncaD
Thu Sep 07, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25400

Re: Name something you had to have and now you regret purchasing it?

All the physical books we've purchased over the years. I finally got rid of most of them during our last cross-country move. I'm now basically down to a Kindle and a library card.
by uncaD
Thu Sep 07, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: Do retiree BHs actually run down their portfolios?
Replies: 73
Views: 8544

Re: Do retiree BHs actually run down their portfolios?

Retired 4 years ago, and portfolio is up 24%. WR is now sub-2%
by uncaD
Wed Sep 06, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 9215

Re: When calculating net worth, how do you value your house?

I have always just used our cost basis in my spreadsheet. We haven't lived in any place for more than a few years, though.
by uncaD
Fri Jun 09, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 42149

Re: Regret early retirement/downsizing

I retired in 2013 at 45. The ONLY thing I ever feel any regret about is how much more money I would have now if I didn't - so I know it was the right decision.
by uncaD
Fri Jun 09, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 8383

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

No, but I do feel like I missed out on Bitcoin....
by uncaD
Fri Apr 21, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: What to do with books
Replies: 16
Views: 1443

Re: What to do with books

I have piles of hard cover and some paperback books from the last decade or so. Many are finance related but not all. Is their a way to ship them all to Amazon and have them sell for me? Seems like listing them one by one and selling them will not be worth the effort and mostly the profit gets offs...
by uncaD
Sat Feb 25, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: "Simple" question about compounding
Replies: 18
Views: 1637

Re: "Simple" question about compounding

1030danielle wrote:
So as long as these monies are in the same account, then compounding can work for me .., right?
:oops:


As long as your money remains invested then compounding can work for you. It doesn't have to stay in the same account, it just has to remain invested.
by uncaD
Sun Jan 08, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 31663

Re: Chase Sapphire Reserve: Too good to be (completely) true

cholan wrote:This card is the best of all possible cards. (with apologies to Leibniz)


But what would Voltaire think of this card?
by uncaD
Wed Dec 28, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 11635

Re: How to get rid of your belly........

Tycoon wrote:Calories in < Calories burned


This is all there is to it. I'll add, though, that it is much easier (in my personal experience) to avoid consuming a given number of calories than it is to burn off the same number.
by uncaD
Wed Dec 21, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Moved to the USA one year ago, how to build credit?
Replies: 12
Views: 1122

Re: Moved to the USA one year ago, how to build credit?

When I moved from Canada 17 years ago, my Canadian credit history was either not available or not of interest to US creditors. Open whatever credit account you can as soon as possible, because the length of your credit history is an important factor in your FICO score and you're starting from zero.
by uncaD
Fri Nov 11, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 26466

Re: How to retire early (in your 30s or 40s)?

Don't mean to sidetrack the thread, but just curious those who will be retiring in 30's and 40's plan to do for the next 40-50 yrs. of their lives? I'm trying to figure out if these folks have a plan already or just going to wing it after retirement. I retired 3 years ago at 45. No plan, just wingi...
by uncaD
Thu Nov 03, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: How to retire early (in your 30s or 40s)?
Replies: 173
Views: 26466

Re: How to retire early (in your 30s, 40s, 50s)?

awizard wrote:The only solution I see is to have a savings rate that is gigantic.


Or, to have a high income.
by uncaD
Thu Sep 29, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 7908

Re: Where/how do Bogleheads get their tires inflated?

Bicycle pump. I get the job done and burn some calories at the same time.
by uncaD
Wed Sep 07, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 12522

Re: Should I upgrade my 6 year old plasma TV?

Our circa-2003 (2004?) 41" Panasonic plasma is still going strong. I wouldn't consider replacing it as our main TV until 55" OLEDs are in the $700 range or so.
by uncaD
Mon Aug 29, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have just a regular ol' Savings Account?
Replies: 28
Views: 3521

Re: Anyone have just a regular ol' Savings Account?

My "emergency fund" and all of my "reserve accounts", such as for car replacement and major home expenses, are merely entries in an excel sheet. I have substantial taxable assets, though, and I don't feel the need to keep separate cash buckets to cover particular expenses.
by uncaD
Fri Jul 22, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 18323

Re: Early retirees, how much did you leave on the table?

I was making high 6 figures when I retired 3 years ago at 45. I don't even want to hazard a guess at how many millions I would have accumulated if I waited to retire at a more "normal" age. No regrets.
by uncaD
Wed Jul 13, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Do you tip Uber drivers?
Replies: 49
Views: 7279

Re: Do you tip Uber drivers?

No. I give them a 5-star rating.
by uncaD
Sun May 15, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 26916

Re: Rich But Middle Class

yikes
by uncaD
Thu Apr 14, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 6349

Re: My neighborhood is too quiet (and no kids)

As someone who has lived in dense urban areas for the past 17 years, this sounds like heaven.
by uncaD
Mon Jan 11, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 202
Views: 24664

Re: Netflix, Your Current Favorite Show

Continuum, if you're into SciFi and time travel and all that.
by uncaD
Wed Oct 14, 2015 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fair share of expenses for spouses?
Replies: 100
Views: 11199

Re: Fair share of expenses for spouses?

DW and I have always maintained three separate sets of accounts (checking, credit cards, investments): his, hers, and joint. When we were both working, we each contributed a fixed percentage of our base salaries to the joint checking account to pay for joint expenses or to be invested in the joint i...
by uncaD
Wed Sep 23, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: Amazon Prime is $67 for New Members Friday
Replies: 51
Views: 5900

Re: Amazon Prime is $67 for New Members Friday

Pretty much everything I buy these days I buy from Amazon. I couldn't imagine not having Prime at this point.
by uncaD
Sat Aug 22, 2015 3:27 pm
Forum: Personal Consumer Issues
Topic: Online clothing shopping?
Replies: 16
Views: 1942

Re: Online clothing shopping?

Amazon now for pretty much everything.
by uncaD
Fri Aug 21, 2015 5:41 pm
Forum: Personal Consumer Issues
Topic: Visiting New York City this weekend. What pizza should I try?
Replies: 55
Views: 6176

Re: Visiting New York City this weekend. What pizza should I try?

Ray's. Original Ray's. Famous Ray's. Famous Original Ray's. They're all good...
by uncaD
Fri Jul 31, 2015 5:18 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 14081

Re: Retirees: Questions you hate being asked

Yes, that's the same question I get asked a lot and it too is a pet-peeve of mine. I usually answer it with a question: "What do you do on Saturdays?, because that's what I do everyday!" I think a good answer is "whatever I want to" lol I just say "whatever I feel like"...
by uncaD
Wed Jul 29, 2015 7:37 pm
Forum: Personal Consumer Issues
Topic: Recommendations on a cheap commuter car
Replies: 43
Views: 4758

Re: Recommendations on a cheap commuter car

I recently bought a used 2014 Nissan Versa from Hertz. It was several thousand less than a Civic, and I'm averaging about 38mpg.
by uncaD
Fri Jul 24, 2015 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy and renters insurance pre-requisite
Replies: 6
Views: 686

Re: Umbrella policy and renters insurance pre-requisite

My experience was that at liability-only policy with $100k of liability was more expensive than a renter's policy with $300k of liability and the minimum personal property coverage and highest deductible. This was with the same company.
by uncaD
Sun Jul 19, 2015 3:57 pm
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 4832

Re: When did you start investing in the Market?

July 1990, a couple months after graduating college and starting my first real job.
by uncaD
Sat May 16, 2015 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 21954

Re: How much does social security factor into your retirement income?

Zilch. I'm 47 and already retired. If I get anything out it it will just be gravy.
by uncaD
Tue Oct 14, 2014 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on getting out [of job]
Replies: 42
Views: 7493

Re: Thoughts on getting out [of job]

Get out now, and do what it takes to make do with what you have. Life is way too short.
by uncaD
Sat Oct 11, 2014 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 97
Views: 10045

Re: Relocating to a tax free state with good weather need ad

Consider states like Arizona and Colorado that have (low-ish) income taxes but have much lower property taxes than states with no income taxes like Texas and Florida.
by uncaD
Tue Sep 16, 2014 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: RRSP withdrawal or convert to 401k
Replies: 5
Views: 626

Re: RRSP withdrawl or convert to 401k

Agree with ArthurO - best option is to leave it and forget it until you retire. Note that you will have to file IRS form 8891 with your taxes every year (this form is included in TurboTax, but not in H&R Block's software). Separately, you will also have to file form TD F 90-22.1 with the US Trea...
by uncaD
Wed Jul 09, 2014 10:52 pm
Forum: Personal Consumer Issues
Topic: Munchies ?
Replies: 22
Views: 2669

Re: Munchies ?

My DW snacks on "Snapea Crisps" made by a company called Calbee. She can't get enough of them (I can't stand them). We've found them at both Whole Foods and Walmart.
by uncaD
Sat Mar 08, 2014 5:29 pm
Forum: Investing - Theory, News & General
Topic: Retirees: About your retirement
Replies: 55
Views: 7107

Re: Retirees: About your retirement

It was my overriding goal since at least high school.
by uncaD
Thu Mar 06, 2014 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Joint or Separate Accounts? - Married Couples
Replies: 82
Views: 6403

Re: Joint or Separate Accounts? - Married Couples

We have three sets of accounts: his, hers, and ours. 75% of each regular paycheck goes into the ''ours', the remainder goes into the 'his/hers'. 100% of all bonuses go into the 'ours'. Joint expenses are paid out of the 'ours' account; the 'his/hers' accounts are free to be used as the respective o...
by uncaD
Thu Mar 06, 2014 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Joint or Separate Accounts? - Married Couples
Replies: 82
Views: 6403

Re: Joint or Separate Accounts? - Married Couples

We have three sets of accounts: his, hers, and ours. 75% of each regular paycheck goes into the ''ours', the remainder goes into the 'his/hers'. 100% of all bonuses go into the 'ours'. Joint expenses are paid out of the 'ours' account; the 'his/hers' accounts are free to be used as the respective ow...
by uncaD
Thu Mar 06, 2014 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 21148

Re: What was your dumbest financial decision?

I lost $18k in Webvan stock when I was just starting out. Yes, Webvan :oops: Boy, was that a learning experience...
by uncaD
Tue Feb 04, 2014 11:51 pm
Forum: Personal Consumer Issues
Topic: Movers in NYC?
Replies: 6
Views: 795

Re: Movers in NYC?

I've used Oz twice and have been very happy with them.
by uncaD
Wed Jan 22, 2014 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement
Replies: 19
Views: 4433

Re: Early Retirement

I am in pretty much this exact situation - same age, similar assets, retired last November. For my first year withdrawal, I decided to use 2.7%. Here is how I got there (fully recognizing that this is in no way scientific and that I am mashing up two distinct methods of deriving an initial withdrawa...
by uncaD
Thu Jan 16, 2014 12:12 pm
Forum: Investing - Theory, News & General
Topic: Larry Kudlow bad advice on bonds
Replies: 52
Views: 6004

Re: Larry Kudlow bad advice on bonds

Like him or hate him, at least Kudlow constantly espouses low-cost index funds. He has said many times that that's how he invests his money.
by uncaD
Thu Nov 21, 2013 3:14 pm
Forum: Personal Consumer Issues
Topic: Retiring at 50
Replies: 67
Views: 10374

Re: Retiring at 50

This post is timely for me, since I'm retiring tomorrow :beer . Age 45. I'm pretty sure I'm not going to do much of anything for at least the next few months.
by uncaD
Fri Oct 04, 2013 10:16 am
Forum: Investing - Theory, News & General
Topic: The new safe withdrawal rate
Replies: 285
Views: 24359

Re: The new safe withdrawal rate

Larry - could you please explain this calculation? "we need to make an adjustment for the historical growth in real earnings, which is about 1.5 percent. To make that adjustment we then multiply the 4.2 percent earnings yield by 1.075 (.015 x 5), producing an estimated real return to stocks of ...
by uncaD
Fri Jul 26, 2013 4:21 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 740
Views: 229043

Re: Variable Percentage Withdrawal

Rodc wrote:A plan is one thing. A silly plan is another.


This plan is no "sillier" than the "1/N Withdrawal Amount" method, which has its own entry in the Bogleheads Wiki.

Rodc wrote:This is wasted energy at best.


So is golf, IMHO. Others apparently disagree. To each his own.
by uncaD
Fri Jul 26, 2013 1:50 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 740
Views: 229043

Re: Variable Percentage Withdrawal

Rodc wrote:In some fashion you simply have to keep reexamining how things are going, what your needs are, the risks, etc. and making adjustments as you go.


Nobody's saying you wouldn't do that. It's still helpful to have a model of your future withdrawals when you are planning your retirement today.
by uncaD
Fri Jul 26, 2013 12:33 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 740
Views: 229043

Re: Variable Percentage Withdrawal

I think this is a terrific insight, thanks for posting. I had been thinking about this exact problem recently, recognizing that 1/NPR effectively assumes a real return of zero and would therefore (likely) result in increasing real dollar withdrawals over time. I think one interesting implication is ...