Search found 20 matches

by springnr
Sun Jul 12, 2015 12:21 am
Forum: Personal Finance (Not Investing)
Topic: In-laws not saving for retirement -- help!
Replies: 47
Views: 17662

Re: In-laws not saving for retirement -- help!

The In-laws finding a way to repay their 401K loan should be high on the list of priorities.
by springnr
Thu Mar 05, 2015 8:22 pm
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 57
Views: 7421

Re: Blues (music)

8 PM each Friday, Pacific time zone, Blues with Barney Burke 2 hrs You’ll hear all kinds of blues: Delta, Chicago, Hawaiian, Texas, Piedmont, et al. Barney’s always on the lookout for rare records and “live” blues recordings, and every week he looks up each track in search of interesting stories for...
by springnr
Sun Jan 11, 2015 8:11 pm
Forum: Personal Investments
Topic: Withdrawing from Roth IRA *Conversions*
Replies: 9
Views: 1438

Re: Withdrawing from Roth IRA *Conversions*

Because you are older than 59-1/2 there are no longer any penalties. How about taxability? Will I need to apply the 5-year rule to each individual conversion in order to avoid having withdrawals taxed? 59 1/2 exempts you from the 10% penalty on conversion and earnings, earnings withdrawn before 5 y...
by springnr
Mon Sep 08, 2014 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Delayed Retirement Credits
Replies: 56
Views: 8703

Re: Social Security Delayed Retirement Credits

Delayed Retirement Credits are earned/accrued between FRA and age 70. If you retire before FRA, at FRA, or at age 70 your are not accruing Delayed Retirement Credits. Which is why I included the statement "If you then start at some point before 70" above. If you retire at exactly 70 then all the Del...
by springnr
Mon Sep 08, 2014 2:55 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Delayed Retirement Credits
Replies: 56
Views: 8703

Re: Social Security Delayed Retirement Credits

This is what I've gleaned: When you reach FRA and do not start collecting your benefit, you start accruing delayed retirement credits. At the end of every year after FRA the Delayed Retirement Credits you have accrued are tallied up, and that figure is used to calculated your benefit if you chose to...
by springnr
Wed Aug 13, 2014 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Wills, Spouses, Prenups, etc.
Replies: 67
Views: 5996

Re: Wills, Spouses, Prenups, etc.

What happens if the husband develops dementia and medical/care cost depletes his funds, ending up on medicaid?
Can medicaid go after the house and the life insurance proceeds?
Just wondering how that scenario would play out. Which state matters?
by springnr
Fri Jun 13, 2014 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: I need a Bogleheads reminder [New home - how much to spend?]
Replies: 44
Views: 4545

Re: I need a Bogleheads reminder

Choose location, quality of build, design, walkability, parks, etc as all are better than simply large. Also consider adding items like a geothermal heat pump.

A home that you relish returning to at the end of the day.
by springnr
Fri May 09, 2014 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: SS Question
Replies: 24
Views: 2109

Re: SS Question

I wonder if those assumption statements CHANGE after the first calendar year of zero SS contributions while beginning the wait to age 70 to start receiving SS benefits? 2014 will be my first such zero year so it'll be a while before I find out.. Use the SS Retirement Estimator and put $0 starting t...
by springnr
Thu May 01, 2014 1:02 am
Forum: Investing - Theory, News & General
Topic: Mea culpa [100% stock at 50]
Replies: 46
Views: 8113

Re: Mea culpa [100% stock at 50]

I think it is easy to overlook the scale of the account for Buffet's wife.

!0 million, 20 million, 50 million? Sure go 100%, as a market downturn will not keep you from withdrawing a partial percent as needed.
by springnr
Wed Apr 30, 2014 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate living expenses 30 years from today?
Replies: 13
Views: 1698

Re: How to calculate living expenses 30 years from today?

36K is, go figure ;>), a 3.6% withdraw rate on 1M.
You might want to put your numbers through firecalc etc. for a warm fuzzy.
by springnr
Sun Apr 27, 2014 2:56 pm
Forum: Personal Investments
Topic: Raytheon Stock [Advice]
Replies: 14
Views: 3634

Re: Raytheon Stock Advise

Houston... second stage did not fire, good will orbit suboptimal.
Hands on learning works best for some, go for it, keep lesson cost reasonable.
by springnr
Mon Apr 21, 2014 9:53 pm
Forum: Personal Consumer Issues
Topic: Good scotch recommendations, where to buy
Replies: 55
Views: 12779

Re: Good scotch recommendations, where to buy

There is plenty to explore in single malt land, enjoy. https://www.google.com/search?q=scotch+flavor+map&safe=off&client=firefox-a&hs=Mym&rls=org.mozilla:en-US:official&channel=sb&tbm=isch&tbo=u&source=univ&sa=X&ei=HtZVU_W3Hc-VyATxzoCoBQ&ved=0CDMQ7Ak#facrc=_&imgdii=_&imgrc=S18k7cMOVST4mM%253A%3B51A1...
by springnr
Thu Apr 17, 2014 11:28 am
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 55
Views: 5942

Re: SS Strategy Metric

At 70 for me, unless the market is unkind. Around $200K is the most I will lag behind by waiting verses taking SS early. The higher SS benefit will be nicer later in life, and if I check out early.... I won't care about the $200K so much Does the $200K include investment return? Yes, SS taken at 62...
by springnr
Wed Apr 16, 2014 6:39 pm
Forum: Personal Consumer Issues
Topic: Computer Speakers
Replies: 13
Views: 1486

Re: Computer Speakers

Cool JBLs ;>)
by springnr
Wed Apr 16, 2014 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 55
Views: 5942

Re: SS Strategy Metric

At 70 for me, unless the market is unkind.
Around $200K is the most I will lag behind by waiting verses taking SS early.
The higher SS benefit will be nicer later in life, and if I check out early.... I won't care about the $200K so much
by springnr
Tue Mar 25, 2014 11:17 pm
Forum: Personal Consumer Issues
Topic: BBQ Road Trip
Replies: 50
Views: 5422

Re: BBQ Road Trip

Texas Brisket preferred, have had a taste of NC BBQ while traveling, so will second Skylight Inn Ayden NC. http://www.southernfoodways.org/film/capitol-q/ Found some old web sites I had in bookmarks. http://www.hollyeats.com/NorthCarollina.htm http://www.cs.dartmouth.edu/~thc/bbqtour/ http://lmgtfy....
by springnr
Sun Mar 09, 2014 10:45 pm
Forum: Investing - Theory, News & General
Topic: Articles talking about a 50/50 asset allocation
Replies: 41
Views: 6489

Re: Articles talking about a 50/50 asset allocation

Thanks for all the replies! It has been a great read. I'm still torn between a 60/40 and 50/50 allocation..... For a visual view, google or go to ifa dot com. At the top of the page are some buttons, click on the 50 button which will load a bunch of charts/graphs of different way to look at allocat...
by springnr
Tue Feb 11, 2014 10:35 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 236
Views: 42283

Re: What to do when a parent's money runs out?

Maine, winter, heat, big house, this could be a money leak asking to be plugged.
Close off part of house, more efficient heating, etc. Water heating too.