Search found 27 matches

by Hopeful
Sat Jan 04, 2020 5:51 am
Forum: Personal Consumer Issues
Topic: What financial podcasts do you listen to?
Replies: 46
Views: 4882

Re: What financial podcasts do you listen to?

I will throw in another recommendation for "The retirement and IRA show". They do a great job covering topics specific to retirement planning.
by Hopeful
Sun Nov 24, 2019 10:10 am
Forum: Investing - Theory, News & General
Topic: withdrawal rate if you’re expecting maximum SS at age 70?
Replies: 35
Views: 4494

Re: withdrawal rate if you’re expecting maximum SS at age 70?

We are spending 5% of annual portfolio balance at age 57 and will drop spending as much as to 3% inflation adjusted (withdrawal floor) if a poor sequence of returns dictates that. This approach is not risky in regards to portfolio depletion but comes at the cost of income variability. In the range ...
by Hopeful
Wed Nov 13, 2019 1:07 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1294
Views: 175135

Re: Post your Financial Milestone Announcements Here

Jimbo9911 wrote:
Wed Nov 13, 2019 11:54 am
Don't forget,
The market can certainly go the other direction with no notice.
Jim
Can? More like it WILL, and it is never as much fun.
by Hopeful
Wed Nov 13, 2019 8:24 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1294
Views: 175135

Re: Post your Financial Milestone Announcements Here

After market close on Friday, hit an investable net worth of $4 million. That has long been our RE goal, but as with all things the goal post tends to move a bit. Congratulations! We all are guilty of moving the goal posts but when the time comes you will know , enjoy :sharebeer Thanks! The idea of...
by Hopeful
Sun Nov 10, 2019 12:07 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1294
Views: 175135

Re: Post your Financial Milestone Announcements Here

After market close on Friday, hit an investable net worth of $4 million. That has long been our RE goal, but as with all things the goal post tends to move a bit.
by Hopeful
Sun Jul 14, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: At What Age or Point in your Career did your investments start outweighing your regular paychecks?
Replies: 85
Views: 12571

Re: At What Age or Point in your Career did your investments start outweighing your regular paychecks?

In our mid to late 40's. Up to that point we were saving almost half our salaries. The investment growth was far outweighing the savings we were contributing. We decided to stop saving (except up to company match, Annual Roth, and HSA) and just let the investments grow. At the same time we cut our w...
by Hopeful
Sun Jul 14, 2019 5:12 am
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 153
Views: 35230

Re: Have $3m at 33, "approach to career" advice needed

It looks like you said are currently spending $165k per year. That doesn’t seem sustainable to fully retire with $3mil. It doesn’t sound like you want to retire, but some people are saying you could. It’s very easy to say you are going to cut spending, harder to put into practice.
by Hopeful
Wed Jul 03, 2019 5:23 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 104
Views: 16712

Re: Peloton spin bike worth the high cost?

I was able to purchase a spin bike from Craigslist for $400. It was a magnetic resistance type, which is much smoother than a friction type. It was a repo from a closed gym and in excellent condition. You can then only pay for the peleton classes, or just find some YouTube videos.
by Hopeful
Wed May 01, 2019 6:29 am
Forum: Personal Investments
Topic: Vanguard Financial Plan
Replies: 20
Views: 3416

Re: Vanguard Financial Plan

If 4% withdrawal from the portfolio gets you $60,0000, does adding social security get you to $90,000? Still might not be as much cushion as I would be comfortable with, but how I suspect they are getting their numbers.
by Hopeful
Sun Feb 04, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 18704

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Well just browsing quickly through the Slickdeals forum, it sure does seem like a mistake. People on there are reporting making the "purchase" multiple times to extend their subscription for 5, 10, 15, or 20 or more years. No way quicken is going to allow that. :shock:
by Hopeful
Sun Feb 04, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 18704

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

While it does seem like too good to be true, it seems odd that they also have the word "FREE" in the description. I could see if someone just accidentally messed up the price, but to have the word free in the description seems intentional. I wonder if maybe it was supposed to be for 1 year instead o...
by Hopeful
Sun Feb 04, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 18704

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

I just downloaded this on a Mac and it worked. Why are people waiting to download? Once it's downloaded there's nothing they can do. They can't go ahead and charge you the price it should have been if it's a mistake. You agreed to pay $0, not whatever it normally is. Quicken is now a subscription s...
by Hopeful
Sun Feb 04, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 18704

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Interesting, on my account page, under purchases it says service ends in 1 year. Also, please note that there is no "download" link (unlike my older purchases, which have them). This suggests this may not be easily transferable to a new computer. You'll want to save the setup program. Also, backup ...
by Hopeful
Sun Feb 04, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 18704

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Wish they had the same deal for Mac. Dowloaded to Mac and successfully installed. Are you saying you downloaded the free Windows version, and it also contained the Mac program? Using Mac, Once created an account, paid through a virtual credit card with $10, the download link showed, "Quicken for Ma...
by Hopeful
Sun Feb 04, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 18704

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

LiveSimple wrote:
Sun Feb 04, 2018 9:28 am
Hopeful wrote:
Sun Feb 04, 2018 9:20 am
Wish they had the same deal for Mac.
Dowloaded to Mac and successfully installed.
Are you saying you downloaded the free Windows version, and it also contained the Mac program?
by Hopeful
Sun Feb 04, 2018 7:10 am
Forum: Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 52957

Re: Today was a Really Bad Day

rutrow2015 wrote:
Sun Feb 04, 2018 6:48 am
I'm showing DJIA mini futures at -729 right now for the Monday open.
That is not the futures for Monday, but the after hours quote on Friday. The Dow closed down 665 at 25,520. In after hours it was down 729 to 25,443. I believe Monday futures open Sunday night.
by Hopeful
Tue Jan 23, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: High Yield Savings Account Recommendations?
Replies: 48
Views: 6709

Re: High Yield Savings Account Recommendations?

Is the yield on Vanguard Prime MM of 1.44% after the 0.16% ER?
by Hopeful
Sun Jan 21, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 43194

Re: TurboTax Prices

I purchased TurboTax Deluxe CD with state for $39.86 at Amazon on 1/6/18. I believe it has been this price all month. I just received an email from Turbotax they are running a sale from Jan 21 -27 and it is $35.87. List price is $59.99. Next year I will target the 3rd week of January. :happy Thanks...
by Hopeful
Sat Jan 13, 2018 7:47 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1294
Views: 175135

Re: Post your Financial Milestone Announcements Here

Just used $30,000 of appreciated stock to set up a Donor Advised Fund. While not much to some people, it feels good to be in a position to start giving back to others. Hopefully it is just a start to being able to do more for others.
by Hopeful
Sat Jan 13, 2018 5:09 am
Forum: Personal Investments
Topic: Help me pick a bond fund
Replies: 19
Views: 2397

Re: Help me pick a bond fund

You might want to see if your 403b offers a self directed brokerage account (SDBA) option. It is something that many plans don’t advertise. It would open up mutual fund options to you. There are some transaction fees, but I just transact once a year when rebalancing. I did this when I found out that...
by Hopeful
Thu Jul 13, 2017 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Jewelry insurance. Is it ever worth it?
Replies: 42
Views: 10535

Re: Jewelry insurance. Is it ever worth it?

I have never been one to insure things that wouldn't be a catastrophic loss. That being said though, I received two nice watches as gifts. One was worth $10k and the other $5k. Buying an insurance policy meant that I never think twice about wearing them everyday. On the other hand I am not so sure I...
by Hopeful
Fri Jun 30, 2017 6:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 222
Views: 36264

Re: Vanguard upgraded my accounts - angry

We currently have a flagship account, and I don't remember ever getting an email or notice to switch to a brokerage account. I am content with the way things are now, and will likely just ignore it until forced.
by Hopeful
Fri Dec 30, 2016 8:10 am
Forum: Personal Investments
Topic: Timing getting into Bonds
Replies: 6
Views: 1396

Timing getting into Bonds

Let me preface my question by saying I do not subscribe to market timing, but a change in 403b providers at work has prompted this question. My previous rider provided a stable value fund paying 3%. The last several years I have used this for the major portion of our 35% fixed income allocation. The...
by Hopeful
Sat Jul 05, 2014 1:57 pm
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 154
Views: 20026

Re: The Risk of Short-term Bond Funds

Call_Me_Op wrote:Are you able to switch out of the stable value fund when you want?
Fortunately, Yes.
by Hopeful
Sat Jul 05, 2014 12:11 pm
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 154
Views: 20026

Re: The Risk of Short-term Bond Funds

This bond stuff makes my head spin, and I can see both sides of the argument. I am just glad that I have a Stable Value fund in my 403b that is currently paying 3%. That is where I am keeping my fixed income allocation until interest rates normalize more.
by Hopeful
Wed May 21, 2014 7:44 am
Forum: Investing - Theory, News & General
Topic: It’s Twilight for Managed Mutual Funds
Replies: 23
Views: 3330

Re: It’s Twilight for Managed Mutual Funds

I was happy to learn that our 403b started offering a couple Vanguard index funds, until I read the fine print that ING would charge an additional 0.3% fee on all Vanguard funds. :x How frustrating!!!