Search found 121 matches

by Emilyjane
Fri Nov 02, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 3918

Re: HealthCare 2019 - No ACA Subsidy

Once you express interest the deluge of emails and phonecalls from low level call center operators is quite amazing. For sure! I went looking online for info on non ACA compliant options. It’s so easy to get info on ACA options. Lowest bronze for 62 yo me is $1000. I haven’t found any on line info ...
by Emilyjane
Wed Oct 17, 2018 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW)
Replies: 785
Views: 260021

Re: Variable Percentage Withdrawal (VPW)

For the VPW spreadsheet, do you just use your investments, stock and bond funds etc, or do you also include your CD’s, money markets and high interest savings accounts? (Sorry if I missed that answer, but with 16 pages, its hard to digest everything ) Thanks From the wiki's VPW page: VPW is best us...
by Emilyjane
Thu Sep 27, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Is "earn and burn" the right travel rewards strategy?
Replies: 24
Views: 2613

Re: Is "earn and burn" the right travel rewards strategy?

Recently used United miles hoarded over 10 years to travel business class SAS to Europe. 75,000 miles apiece one way....it was the best. Being flexible with date of travel due to being retired, plus booking 11 months ahead helped, was able to book “saver” rate. Worked out well for us, but I do see p...
by Emilyjane
Fri Sep 21, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Galapagos Islands
Replies: 31
Views: 6648

Re: Galapagos Islands

Alf 101 wrote:
Mon Jul 23, 2018 10:02 am
My wife and I will be heading to the Galapagos now in just under 4 weeks. We'll be on a nine day boat trip with G Adventures,
Hi Alf 101,
How was your trip, and any recommendations for future travelers?
by Emilyjane
Thu Aug 23, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5440

Re: Test your cognitive biases

I did ok on the cognitive bias.

On the flanker test, my brain could not even register seeing the arrow! So super low score. Sigh...
by Emilyjane
Thu Aug 16, 2018 6:04 am
Forum: Investing - Theory, News & General
Topic: OK, maybe Vanguard's website IS a little old... "56K dial-up..."
Replies: 19
Views: 2393

Re: OK, maybe Vanguard's website IS a little old... "56K dial-up..."

Rural Boglehead here. We don’t use dial-up, but our only options are cell data (Verizon is only usable option at our location) or satellite internet. No DSL, cable or fiber are available to us. Both are metered, even Verizon's “unlimited”, so makes internet a different experience than for most of th...
by Emilyjane
Mon Jul 09, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3735

Re: Any kayakers here?

How do you all haul your kayaks? I am thinking of buying a kayak trailer, but since $2000 or more, have been thinking about it for a while. Right now, we mainly kayak at Lake next to our house, but would be fun to do some exploring.
by Emilyjane
Tue Jun 19, 2018 5:26 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 242
Views: 22337

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Mike, Thanks for the new version of your Social Security calculator. I really appreciate the ability to enter different “I will die at” dates. Turns out I have to live to 87 yo to make waiting to file at 70 yo end up with more SS $ (since we are in that small cohort where my husband would be able to...
by Emilyjane
Sat Jun 16, 2018 5:40 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 7594

Re: can we afford to spend $20K on travel annually

Do it. You can afford it. Not only that, your kids will be better off. My parents weren't by any stretch wealthy, but they wanted me to be a citizen of the world. They did what they could to make sure I saw as much of it as possible from a very young age. I had a passport from the day I turned 8 we...
by Emilyjane
Wed May 30, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 125
Views: 14531

Re: Tips on Buying a Class-B RV

Storage space - doesn't seem there is much of it and I don't believe you can't add a rack to top. I know I can add a hitch and unit for exterior gear. But what about storage inside for pots, pans, clothes? Less is more! In our Roadtrek Agile, one cupboard for dishes, 2 of each, wash after every mea...
by Emilyjane
Fri May 04, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2864

Re: Growing Fruit Trees and Shrubs

One fruit that has my interest is the haskap, or honeyberry, which I've seen at several nurseries. This seems a good winter-hardy plant that doesn't need all that particular growing conditions We’ve had haskaps (honeyberries) for 3 years now. Fairly trouble free, the fruit are tarter than blueberri...
by Emilyjane
Mon Apr 30, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Northern Hiking/Walking Vacation
Replies: 19
Views: 1580

Re: Northern Hiking/Walking Vacation

climber2020 wrote:
Mon Apr 30, 2018 1:23 pm
The Canadian rockies between Banff and Jasper have plenty of great day hikes.
We loved hiking near Jasper. Incredible lakes, canyons, waterfalls. September was perfect.
by Emilyjane
Sat Apr 28, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 10975

Re: How did you tell the boss you're leaving/retiring?

Have any of you gone through exit interviews, usually with the HR people? I had one, but only because I requested it. I was surprised that my “exit interview” after 22 years as a physician in a health system was a short written form. I thought about requesting an in person interview, but then thoug...
by Emilyjane
Mon Apr 23, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 47
Views: 3569

Re: Vanguard Surveys

livesoft wrote:
Sun Apr 22, 2018 6:34 pm
It asked me about improving Vanguard (or perhaps a generic 'How can Vanguard do better for me?', so I told them how to improve the web site for starters.


Did any of the improvements you suggested show up?
by Emilyjane
Mon Feb 26, 2018 10:30 am
Forum: Local Chapters and Bogleheads Community
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 6192

Re: Nisiprius at 35,000 posts

The best. Thanks for your efforts, love to see your posts.
by Emilyjane
Sun Feb 25, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW)
Replies: 785
Views: 260021

Re: Variable Percentage Withdrawal (VPW)

Thanks Longinvest for all your posts explaining VPW, especially managing the gap till SS starts. You’ve been so helpful to me in planning my retirement adventure which starts this year.
by Emilyjane
Sun Feb 25, 2018 6:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46157

Re: Roll Call for the Retirement Class of 2018!

My wife and I dream of having a camper. What kind do you have? What do you like best about it? Bikechuck, We have a 20’ Roadtrek Agile, bought used (~50% of new price at 50,000 miles). Diesel sprinter gets 24 mpg mostly. I do fantasize about new version some year if markets are kind, but totally ha...
by Emilyjane
Thu Feb 22, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement strategy for wife
Replies: 18
Views: 2901

Re: Early retirement strategy for wife

I second the thoughts to encourage her to consider part time, as a way to keep up her skills and give more flexibility in the future. I am a family doctor, worked part time since my now adult child was born, found that a good balance. It’s hard to leave a baby that age, but since you have 6 months o...
by Emilyjane
Mon Feb 12, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Suggest a Financial Aggregator Site
Replies: 8
Views: 866

Re: Suggest a Financial Aggregator Site

On Vanguard’s site, you could add your CDs as “outside investments”.
by Emilyjane
Sat Feb 10, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 125
Views: 14531

Re: Tips on Buying a Class-B RV

Woodspinner,

Happy travels!
by Emilyjane
Mon Feb 05, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 125
Views: 14531

Re: Tips on Buying a Class-B RV

B's usually have low clearance. No problem on roads, but my brother sold his after 6 months because it couldn't handle the back roads they like to use to get to their favorite camping spots. They were convinced after a trip last summer to Glacier and Banff and another Canadian Provincial Park We’ve...
by Emilyjane
Sun Feb 04, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 96
Views: 18803

Re: Replacement for Google Finance price quote function

Thanks, that is a wonderful replacement!
by Emilyjane
Thu Feb 01, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 125
Views: 14531

Re: Tips on Buying a Class-B RV

We have a 2007 Roadtrek Agile we bought used. Love traveling in it, mostly National Park road trips. The thing I have gotten used to is, “it’s always something”, as in costs for repair in addition to usual maintenance. But, worth it. We do like our Sprinter chassis due to being able to stand up insi...
by Emilyjane
Thu Feb 01, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Opening a Vanguard Roth IRA
Replies: 7
Views: 891

Re: Opening a Vanguard Roth IRA

Congratulations on being a midshipman and thinking about your financial future.

Will you have earned income this year? You need to have that to make traditional or Roth IRA contribution- at least as much earned income as the contribution.
by Emilyjane
Fri Jan 26, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Trip cancellation insurance
Replies: 47
Views: 3050

Re: Trip cancellation insurance

HJG0989 wrote:
Thu Jan 25, 2018 9:33 pm
We are leaving in the morning for a 3.5 month trip to Australia including a 40 day cruise back.
If you'd care to post when you get back, I would love to hear what you think o the 40 day cruise back!
by Emilyjane
Mon Jan 22, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Kauai Travel Tips
Replies: 43
Views: 2755

Re: Kauai Travel Tips

I know about the evil eye. But should we really never leave the house? I've gotten the evil eye at the grocery store before during a melt down. I've also gotten lots of comments on how adorable they can be too. We fly to Hawaii close to once a year. Almost always young kids on the plane, and 90% of...
by Emilyjane
Mon Jan 22, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Kauai Travel Tips
Replies: 43
Views: 2755

Re: Kauai Travel Tips

Since March would be considered winter, I’d suggest Poipu Beach area on the south shore. The North shore beaches are rough in the winter. Poipu is a very nice beach with protected inlet area that there are always little kids in. Also a lifeguard, nice to have available for any ocean safety advice. W...
by Emilyjane
Sat Jan 20, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Met with a CFP, not too impressed.
Replies: 54
Views: 10655

Re: Met with a CFP, not too impressed.

MrMojoRisin wrote:
Sat Jan 20, 2018 6:06 pm

I wish to be clear, the CFP that I was disappointed in was NOT part of the Garrett Network, the one that we have since retained and are pleased with is.
Sorry Mr Mojo, I was responding to subsequent poster, but wasn’t clear about that. You, on the other hand, were perfectly clear. :happy
by Emilyjane
Sat Jan 20, 2018 7:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46157

Re: Roll Call for the Retirement Class of 2018!

TravelforFun wrote:
Mon Jan 15, 2018 2:28 pm
RubyTuesday wrote:
Sun Jan 14, 2018 11:23 pm
Tomorrow I will sleep In I think.
Congratulations, Ruby Tuesday. I heard sleeping in is hard for retirees to do.

TravelforFun
As a retiree with 2 weeks of experience, sleeping in comes most naturally! :D

Congrats Ruby Tuesday!
by Emilyjane
Sat Jan 20, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Met with a CFP, not too impressed.
Replies: 54
Views: 10655

Re: Met with a CFP, not too impressed.

I had an experience with an advisor in the Garrett network a few years ago, much more positive. It was pre-my Bogleheads days. My dad wanted to sell me a variable annuity, seemed like “too good to be true”. I decided to get a 5 year retirement preview consultation, found a CFP on the Garrett page, w...
by Emilyjane
Fri Jan 19, 2018 4:05 am
Forum: Investing - Theory, News & General
Topic: A Q&A with Vanguard's new CEO
Replies: 1
Views: 507

Re: A Q&A with Vanguard's new CEO

Sounds promising!
by Emilyjane
Fri Jan 19, 2018 3:53 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 104
Views: 13646

Re: Any Instant Pot users here?

It makes easy to peel hard boiled and soft boiled eggs.
by Emilyjane
Wed Jan 10, 2018 7:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46157

Retired last week

Happy to say my retirement last week went smoothly. I think I’m still in the stage of feeling like it is vacation, other than writing thank you notes for some gifts. Enjoying myself!
by Emilyjane
Wed Jan 10, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 188
Views: 24745

Re: Anyone disenchanted with retirement?

One week of retirement...so far, good!
by Emilyjane
Sat Dec 09, 2017 12:56 am
Forum: Personal Finance (Not Investing)
Topic: How to lead a horse to (boglehead) water?
Replies: 10
Views: 1001

Re: How to lead a horse to (boglehead) water?

I like to recommend “If You Can” by Bill Bernstein.. not sure if pdf still available on his website for free, pretty inexpensive kindle version also. Aimed at 20 somethings. Short and sweet.
by Emilyjane
Wed Dec 06, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard customer service reps need some training
Replies: 66
Views: 7968

Re: Vanguard customer service reps need some training

Just had phone contact with Vanguard to recharacterize a Roth conversion I had done earlier in the year. My first time, and seemed to be his first too? Looks like it went OK, but I was surprised that he seemed rather confused as to why I would want to do such a thing! Recharacterizing seems to be on...
by Emilyjane
Mon Nov 27, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 11106

Re: Any retired boglehead doctors out there?

I can answer in a few months. I’m 61 yo, retiring in one month. Just finished my last night of call!! I’m not planning any kind of medical work after retirement. What do you want to do with the time? Bucket lists? Combination of laid back country life (long walks with the dog, skiing in winter, gar...
by Emilyjane
Sat Nov 25, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Any retired boglehead doctors out there?
Replies: 78
Views: 11106

Re: Any retired boglehead doctors out there?

I can answer in a few months. I’m 61 yo, retiring in one month. Just finished my last night of call!! I’m not planning any kind of medical work after retirement.
by Emilyjane
Tue Sep 19, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 5924

Re: Costco vs sams club vs neither.

We have gotten good prices on rental cars and cruises at costco. You can look at the prices without membership. We live over an hour away from the nearest store, still find quarterly visits when we are in the city to be worth it.
by Emilyjane
Sat Aug 26, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: medigap insurance- did you get excess charges rider?
Replies: 10
Views: 1288

Re: medigap insurance- did you get excess charges rider?

And in these circumstances (serious illness like cancer) the last thing you or your family needs is the worry of dealing with unpaid and unexpected medical bills. This recommendation comes from first-hand experience. Also, my thinking is that as our Congress continues to apply cost controls to Medi...
by Emilyjane
Sat Aug 26, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: medigap insurance- did you get excess charges rider?
Replies: 10
Views: 1288

medigap insurance- did you get excess charges rider?

Shopping for Medigap insurance for my husband. We are in WI, so medigap has different names for types of policies than elsewhere. Wondering if it is worth it to get rider for "excess charges Part B"? It is about $8 more/month, so not too expensive, but not sure how often "excess charges" would come ...
by Emilyjane
Thu Aug 17, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 116
Views: 13692

Re: Non-fiction bucket list

"Guns, Germs and Steel: the Fates of Human Societies", Jared Diamond

Fascinating investigation of why world ended up looking like it does.
by Emilyjane
Tue Aug 15, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 156
Views: 30872

Re: $400,000 Roth Conversions Between Ages 66-69?

May be it is a stupid question, but ... Why would one start to convert Traditional IRA to Roth IRA? Is it for saving based on tax bracket? An important consideration for us is attempting to keep our modified adjusted gross income lower than $170,000 for married couple, in order to avoid IRMAA, payi...
by Emilyjane
Thu Aug 10, 2017 9:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 322
Views: 46157

Re: Roll Call for the Retirement Class of 2018!

Thanks for starting the thread. I am retiring January 2018. I will be 61, my husband has just retired, and he will be eligible for Medicare. I had some second thoughts due to the recent uncertainty about the individual health insurance market, but decided to go for it. A bit hard to lose employer pr...
by Emilyjane
Sun Aug 06, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Heavy Duty Boxes for Long Term Permanent Storage
Replies: 20
Views: 2547

Re: Heavy Duty Boxes for Long Term Permanent Storage

I have some good plastic boxes from costco (not sure of brand name) they were in the office supply section, came as sets of 3. I have them stacked 5 high x 1 year and have held up well.

They are fairly clear. Some I labeled with a brother labeling machine--stick on plastic labels.
by Emilyjane
Mon Jul 17, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: Research Report: Post Retirement Needs and Risks
Replies: 4
Views: 1126

Re: Research Report: Post Retirement Needs and Risks

Interesting. Thanks for sharing this.
by Emilyjane
Fri Jun 30, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Question
Replies: 8
Views: 1427

Re: Health Insurance Question

If law stays as it is now, your wife can still start Medicare at 65 (even though her retirement age is higher. ) What to budget for health insurance pre-65 yo big unknown now, with possible upcoming changes. I am thinking it may be more than $1000/month?? But I'm pessimistic. Medicare is part A, usu...
by Emilyjane
Thu Apr 20, 2017 6:31 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 50847

Re: Larry Swedroe says "Goodby."

Thanks for your efforts. Our loss, but enjoy the extra time with your family!
by Emilyjane
Wed Feb 22, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 10219

Re: Which puppy to buy: golden retriever or labrador retriever?

Many mentions of labs shedding. We have a wonderful lab, and the shedding solution is a "furminator". Great tool that strips out the undercoat. Best part, the dog loves it. Fun to see how much fur comes out. Use it outside. Expensive, but worth it.