Search found 160 matches

by Emilyjane
Sun Aug 09, 2020 7:21 am
Forum: Investing - Theory, News & General
Topic: How do I know what withdrawal rate to use?
Replies: 28
Views: 1383

Re: How do I know what withdrawal rate to use?

I use VPW system. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=284519 I use Longinvest’s spreadsheet monthly to calculate withdrawal; whatever I don’t need at the time gets transferred from traditional to Roth,as a way of saving for future new cars or vacations. I don’t use the savings acco...
by Emilyjane
Sun Aug 09, 2020 6:53 am
Forum: Personal Consumer Issues
Topic: Car safety after age 67 or so
Replies: 51
Views: 3504

Re: Car safety after age 67 or so

BarbBrooklyn wrote:
Sat Aug 08, 2020 2:44 pm
and those heated seats...on cold Winter mornings, I think this would be wonderful
Heated seats are wonderful! I’m hoping for a heated steering wheel in my next car.
by Emilyjane
Mon Aug 03, 2020 6:18 am
Forum: Personal Investments
Topic: Handling lumpy expenses in retirement Roth conversions?
Replies: 12
Views: 937

Re: Handling lumpy expenses in retirement Roth conversions?

I’m retired and do this. Most of my Roth is Vanguard Lifestyle Growth. The smaller part saved for “lumpy” expenses is half Balanced Fund and half short term bond, for more stability, and to keep track of which part Is the “lumpy expense fund”. I plan to use that part of the Roth for vehicle replacem...
by Emilyjane
Tue Jul 28, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 104
Views: 11509

Re: Middle of Nowhere Retirement

Retired, live in a rural area, 2 hour drive to preferred specialty medical care. It is a consideration, but doable. I had early breast cancer shortly after retirement, needed chemo, radiation, surgery. Lots of trips. Audiobooks were helpful for the commute. Our access to broadband is poor, satellite...
by Emilyjane
Sun Jul 05, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Semi-Retirement Withdrawal Strategy
Replies: 13
Views: 1433

Re: Semi-Retirement Withdrawal Strategy

Check out the threads on Variable Portfolio Withdrawal.
by Emilyjane
Sun Jun 28, 2020 10:27 pm
Forum: Investing - Theory, News & General
Topic: How do you avoid being lazy with 3-fund portfolio?
Replies: 36
Views: 3714

Re: How do you avoid being lazy with 3-fund portfolio?

I like the Oblivious Investor website. You can sign up for emails that come every other Monday and Friday, with the posts of that day, or just look at the website periodically. Short and sweet, I think it would cover anything important to know.
by Emilyjane
Tue Mar 03, 2020 4:05 pm
Forum: Non-US Chapters
Topic: Sad News - Paul Globerson has passed
Replies: 26
Views: 5014

Re: Sad News - Paul Globerson has passed

Condolences.
by Emilyjane
Tue Feb 25, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: Yellowstone trip beginning of June
Replies: 23
Views: 2083

Re: Yellowstone trip beginning of June

June is fun because of the baby animals. Can be snow at higher elevations (beartooth pass).
by Emilyjane
Mon Jan 27, 2020 9:17 pm
Forum: Personal Investments
Topic: Social Security for spouse
Replies: 5
Views: 728

Re: Social Security for spouse

You might like the calculator at opensocialsecurity.com. Easy to use. Free.
by Emilyjane
Sat Dec 28, 2019 7:47 am
Forum: Investing - Theory, News & General
Topic: My Christmas Gift to You Seventy-Five Years Ago
Replies: 74
Views: 7118

Re: My Christmas Gift to You Seventy-Five Years Ago

Thank you Taylor.
I do feel very lucky to have been born in the United States.
by Emilyjane
Tue Dec 17, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: What Happens To A DAF ...
Replies: 27
Views: 2395

Re: What Happens To A DAF ...

Assuming a person has money in tax deferred accounts, and annual giving is less than $100,000, What would be a reason to continue a DAF after age 70.5? I am thinking I would distribute mine and close it then. Is there an advantage I’m not thinking of?
by Emilyjane
Sat Dec 14, 2019 8:17 pm
Forum: Personal Investments
Topic: Comment on my Donor-Advised Fund strategy
Replies: 43
Views: 2009

Re: Comment on my Donor-Advised Fund strategy

I started DAF this year, donated 7 years worth of contributions in order to itemize this year, then will go back to standard deduction. In 7 years, I will be 70.5 and can do QCDs.
by Emilyjane
Fri Dec 13, 2019 11:14 am
Forum: Personal Investments
Topic: on-line Roth IRA conversion at Vanguard?
Replies: 9
Views: 570

Re: on-line Roth IRA conversion at Vanguard?

I always do online, very easy.
by Emilyjane
Mon Nov 11, 2019 7:16 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 1002
Views: 338670

Re: Variable Percentage Withdrawal (VPW)

Longinvest, I really like your VPW approach to retirement spending. I’m wondering if you would comment on my “simple” (somewhat different than your simple plan) approach to the mechanics of using it. Are there any pitfalls I am missing? I’ve chosen to invest my traditional IRA in Vanguard’s Moderate...
by Emilyjane
Mon Nov 11, 2019 7:31 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 1002
Views: 338670

Re: Variable Percentage Withdrawal (VPW)

I use it successfully on the sheets app on my iPad, following your above instructions. Initially tried to open from google drive app, didn’t work till I realized I needed the sheets app.
by Emilyjane
Fri Nov 08, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 99
Views: 9364

Re: Should I buy the family cottage?

I’d say buy it, no advice on $ issues. If your kids love it, it’s irreplaceable. And your dad caring well for it, awesome. My husband bought family cottage from his parents; has been great experience. I second your dad’s thought that best to avoid co-ownership if possible. It complicates things. You...
by Emilyjane
Sun Nov 03, 2019 5:39 am
Forum: Investing - Theory, News & General
Topic: Transitioning my Account ~ Not Mandatory
Replies: 61
Views: 5901

Re: Transitioning my Account ~ Not Mandatory

One difference I have noted, I switched to brokerage, being susceptible to the nagging emails. My husband has stayed with mutual fund account. We are in early retirement, making Roth conversions. On a Really Bad Day, ideal for converting , he can go In Vanguard app, choose $ amount to convert, he’s ...
by Emilyjane
Sun Oct 27, 2019 7:40 am
Forum: Personal Investments
Topic: Retiring at 62
Replies: 17
Views: 2632

Re: Retiring at 62

You might like checking out the VPW (variable portfolio withdrawal) threads. Longinvest has a spreadsheet where you can enter your SS, pension and portfolio amounts to get a recommended withdrawal. Agree checking out opensocialsecurity.com re when best to take SS.
by Emilyjane
Tue Oct 22, 2019 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13593

Re: Ok to go without health insurance?

Fellow physician here. I was healthy till 11 months ago, till suddenly, I was not. Over last 11 months, total of $400,000+ worth of medical bills submitted. Makes the $12,000 in health insurance premiums for the year seem like a good deal.
by Emilyjane
Tue Oct 22, 2019 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of hiring a financial planner - any advice?
Replies: 29
Views: 2274

Re: Thinking of hiring a financial planner - any advice?

I had a good experience with a financial planner I found through the Garrett Network. One time, 2 visits, was about $3500 five years ago.
by Emilyjane
Tue Sep 24, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 30
Views: 2308

Re: Healthcare sharing programs

Googled health sharing ministry breast cancer and found this instance of problems. https://www.google.com/amp/s/abc7chicago.com/amp/society/tx-woman-files-lawsuit-against-faith-based-health-share-ministry/5464137/ I had breast cancer this past year. Total charges were ~$500,000. I was quite glad to ...
by Emilyjane
Fri Aug 23, 2019 5:20 am
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6560

Re: Physician quality and experience

Family doc here. I wouldn’t have any reluctance to see new fellowship trained doc. Years of residency training and years of fellowship. The credentialing thing is paperwork, not really her doing. I’d say meet with her and find out if you two communicate well.
by Emilyjane
Mon Aug 12, 2019 5:44 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 18718

Re: Wellesley 56.05% drop today

Also large drops in Life Strategy funds and Vanguard Balanced Fund. Feels like 2008!
by Emilyjane
Sun Jul 14, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Did rockstarfinance.com sell their domain? It's trash now.
Replies: 18
Views: 2501

Re: Did rockstarfinance.com sell their domain? It's trash now.

I like obliviousinvestor.com for a handful of links posted every other Friday. Very much trust Mike Piper's take on personal finance.
by Emilyjane
Fri Jul 12, 2019 8:12 pm
Forum: Personal Investments
Topic: my mom is a "financial advisor"
Replies: 66
Views: 8090

Re: my mom is a "financial advisor"

My dad worked in financial services, sold me life and disability insurance when I was a young adult. As time passed, I told him I was most comfortable not combining family and finances— that has made life much easier! He didn’t love that decision, and periodically would bring up new products, but I’...
by Emilyjane
Fri Jul 12, 2019 5:11 pm
Forum: Investing - Theory, News & General
Topic: Any good podcasts for investing/personal finance?
Replies: 10
Views: 1286

Re: Any good podcasts for investing/personal finance?

I do a lot of driving in the car for work. Was wanting to listen to something rather than waste away the time. Given your screen name and interest I know of a podcast I think you would like, but I'm not allowed to tell you what it is. I’m guessing you are referring to the White Coat Investor podcas...
by Emilyjane
Sat Jun 15, 2019 4:51 am
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 3916

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

Only change I’ve noticed since converting to brokerage account a few years ago is change in ease of doing Roth conversions. Have to go to full site instead of using app, and have to choose number of shares instead of specific dollar amount. My husband still has MF account, so he can still do in app,...
by Emilyjane
Sat Mar 16, 2019 10:56 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2017
Views: 216307

Re: [What TV Show Have You Recently Watched?]

We are enjoying “The Kominsky Method” on Netflix. Michael Douglas and Alan Arkin.
by Emilyjane
Wed Feb 13, 2019 9:05 am
Forum: Personal Investments
Topic: Wellington & Wellesley Funds
Replies: 20
Views: 5566

Re: Wellington & Wellesley Funds

I’m retired. 80% of portfolio is in 4 fund indexed, about 50/50. 20% of portfolio in half Wellington, half Wellesley.

W/W date back to my earliest IRA contributions, so I like to keep them and have not regretted that.
by Emilyjane
Wed Jan 16, 2019 8:50 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 61070

Re: John Bogle is dead at 89

A wonderful life, well lived.
by Emilyjane
Sun Jan 13, 2019 6:35 pm
Forum: Investing - Theory, News & General
Topic: Favorite investing/personal finance Audiobooks?
Replies: 7
Views: 728

Re: Favorite investing/personal finance Audiobooks?

I enjoyed “How to make your money last: the indispensable retirement guide”, Jane Bryant Quinn.

“A Fine Mess: A Global Quest for a Simpler, Fairer, and More Efficient Tax System”, TR Reid

“A Random Walk down Wall Street”, Malkiel

“The Four Pillars of Investing”, Bernstein
by Emilyjane
Thu Jan 03, 2019 7:36 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Minimum Investment Cuts Overdue"
Replies: 52
Views: 6019

Re: "Vanguard Minimum Investment Cuts Overdue"

I remember 15 years ago trying to start a Roth IRA at Vanguard for my son, once he had a part time job at BestBuy. The minimum for the index fund I picked was $1000, I sent in a check, and they sent it back saying they had increased the minimum to $3000. I didn’t realize at the time that STAR minimu...
by Emilyjane
Sat Dec 29, 2018 12:50 pm
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 154
Views: 13483

Re: My favorite Boglehead posters

Ditto all above.
Appreciate all the work longinvest puts into maintaining and explaining VPW spreadsheet.
Appreciate excellent SS advice from ObliviousInvestor.
And I have a bookmark that goes to Nisiprius posts.
by Emilyjane
Mon Dec 17, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Claiming dilemma-Would love opinions
Replies: 29
Views: 3106

Re: Social Security Claiming dilemma-Would love opinions

Thanks Mike. Your opinion and Open Social Security calculator much appreciated.
by Emilyjane
Mon Dec 17, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Claiming dilemma-Would love opinions
Replies: 29
Views: 3106

Re: Social Security Claiming dilemma-Would love opinions

The very short explanation: when a restricted application is possible (i.e., somebody applying for spousal benefits only and then being able to receive that benefit while allowing their own retirement benefit to continue growing), the desirability of doing so is so strong that it often overwhelms o...
by Emilyjane
Tue Nov 20, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: 1 Week vacation in February 2019, to get away from the Midwest Winter
Replies: 45
Views: 4344

Re: 1 Week vacation in February 2019, to get away from the Midwest Winter

Hawaii.
Best thing to look forward to in February.
No international hassles (immigration, etc. )
Flight is longer than to FL (from Midwest), but tolerable.
by Emilyjane
Fri Nov 02, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 4597

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: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 1002
Views: 338670

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: 2768

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: 7005

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: 6217

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: 2783

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: 4408

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: 426
Views: 49420

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: 8476

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: 20713

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: 3415

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...