Search found 146 matches

by Emilyjane
Mon Nov 11, 2019 7:16 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 914
Views: 307392

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: 914
Views: 307392

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: 90
Views: 7246

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: 5142

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: 2516

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: 11596

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: 2150

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: 2118

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: 6272

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: 17288

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: 2373

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: 7868

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: 1195

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: 3703

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: 1554
Views: 166394

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: 4886

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: 57641

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: 634

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: 47
Views: 4604

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: 12180

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: 3043

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: 3043

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: 4258

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: 4500

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: 914
Views: 307392

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: 2726

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: 6857

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: 6013

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: 2754

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: 4057

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: 341
Views: 40105

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: 8209

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: 18950

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: 3285

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: 1881

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: 15224

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: 5423

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: US Chapters
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 7722

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: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 914
Views: 307392

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: US Chapters
Topic: Roll Call for the Retirement Class of 2018!
Replies: 381
Views: 68401

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: 2987

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: 974

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: 18950

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: 18950

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: 120
Views: 29692

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: 18950

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: Personal Investments
Topic: Opening a Vanguard Roth IRA
Replies: 7
Views: 1196

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.