Search found 135 matches

by b4real
Thu Nov 15, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio decisions as we approach retirement
Replies: 26
Views: 3058

Re: Portfolio decisions as we approach retirement

Another option I hadn't considered is to get an annuity for about $400,000 giving us all we need (with Social Security) to meet our expenses and needs. The other withdrawals from the remaining invested $600,000 can be used for miscellaneous expenses and future gifting to family and charitable organ...
by b4real
Sat Nov 10, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Medicare part D- Wellcare
Replies: 10
Views: 553

Re: Medicare part D- Wellcare

After reviewing the Part D options for next year, we chose Wellcare's value plan as it was the least expensive. The mail order pharmacy they use is CVS Caremark and the preferred retail pharmacy is CVS. I don't anticipate any interaction with Wellcare other than paying the premium.
by b4real
Wed Nov 07, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: EFTPS® vs. Direct Pay what's difference? Which one should I use for Roth conversion tax payment?
Replies: 10
Views: 694

Re: EFTPS® vs. Direct Pay what's difference? Which one should I use for Roth conversion tax payment?

Since retiring a few years ago, I've used EFTPS to schedule the year's estimated tax payments after filing taxes in April. When I looked into using Direct Pay or EFTPs, Direct Pay did not allow scheduling future payments. I don't know if that's still the case. EFTPS has worked well for me.
by b4real
Mon Oct 22, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 38
Views: 4927

Re: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus mo

We've had Vanguard Advantage since it was first available. I also have it on two trust accounts. Mobile deposit used to be available but not since the changeover to brokerage accounts. The Vanguard Advantage account is linked to our USAA checking account and funds can be transferred back and forth e...
by b4real
Fri Oct 05, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: Climate Change Investment Strategy
Replies: 11
Views: 1282

Re: Climate Change Investment Strategy

Ishares MPCT https://www.ishares.com/us/products/283378/ishares-msci-global-impact-etf-fund "The iShares MSCI Global Impact ETF seeks to track the investment results of an index composed of positive impact companies that derive a majority of their revenue from products and services that address at l...
by b4real
Wed Sep 26, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house in retirement??
Replies: 23
Views: 3938

Re: Buying house in retirement??

We purchased in a new city after retiring and before selling our old house. They wanted to see ongoing income that met the ratios and it didn't matter that our assets covered many times more than the mortgage. We established an automatic withdrawal from an IRA to meet the required amount. After clos...
by b4real
Mon Sep 24, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care
Replies: 92
Views: 4860

Re: Long Term Care

OP, we’re a little older than you and after researching LTC a few years ago decided to self fund. We set aside 10 years cost of LTC adjusted annually using https://www.genworth.com/aging-and-you/finances/cost-of-care.html as a guide to cost for a private room in our area. The 10 year amount is reduc...
by b4real
Mon Sep 24, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7563

Re: Fed up with health insurance situation

Association health plans were recently allowed to be offered. They may provide some additional options for you.
https://www.dol.gov/general/topic/assoc ... alth-plans
by b4real
Sat Sep 22, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Investing for disabled relative
Replies: 6
Views: 671

Re: Investing for disabled relative

I am trustee of a trust that created another trust for a disabled person's inheritance share. I opened a trust account at Vanguard for the disabled person and distributed their share to the account. AFAIK, the trust assets are not subject to reporting for consideration of the disabled person's eligi...
by b4real
Fri Sep 21, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3464

Re: Out of Market

According to www.immediateannuities.com a life annuity for a male 78 would return about 10.6% per year. If you allocate the CD money to the annuity you may be comfortable taking a little more risk by putting the rest in target retirement income or lifestrategy income. You would then have a portfolio...
by b4real
Mon Sep 17, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 3164

Re: Experiences downsizing to single car

We’ve been retired about 4 years and downsized to one car 6 months ago. We have individual and joint google calendars shared with each other so it’s easy to coordinate schedules. We’re on the bus line and have used that a few times when there's an unavoidable conflict. We would not hesitate to use u...
by b4real
Thu Sep 06, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2716

Re: How do you handle Healthcare costs in retirement

sixtyforty wrote:
Thu Sep 06, 2018 9:47 am
(1) For those on Medicare, do you find you need supplemental insurance and is it expensive ?
We have Plan G supplements at $142/month each and consider it a reasonable cost to insure the 20% gap.
by b4real
Sat Aug 25, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Wrong for being 100% Equities ?
Replies: 70
Views: 6943

Re: Am I Wrong for being 100% Equities ?

To Invest for Retirement Safely, Know When to Get Out of Stocks:
http://time.com/money/2861706/to-invest ... of-stocks/
by b4real
Sun Aug 12, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Joint checking accounts.
Replies: 26
Views: 2178

Re: Joint checking accounts.

Retired, have had a joint account more than 40 years. When working, paychecks were deposited and bills paid from the joint account. Excess went to retirement savings. Now, pensions and SS are auto deposited and bills mostly auto paid from the JA. If more is needed, it’s transferred from Vanguard. We...
by b4real
Thu Aug 09, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3507

Re: Grind and Brew Coffee Makers - worth it?

We had a Delonghi superautomatic for about 7 years until downsizing and moving upon retiring in 2014. It served us well, making several cups/day. It still worked but was getting temperamental and was basically worn out. After moving, we got a stainless steel french press and grinder. It cost a small...
by b4real
Tue Jul 10, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Investing for Income Vs. Taking Withdrawals?
Replies: 6
Views: 777

Re: Investing for Income Vs. Taking Withdrawals?

Vanguard's paper on Total Return investing (https://personal.vanguard.com/pdf/s352.pdf) Note, the paper is from 2012 "Executive summary. Many investors focus on the yield or income generated from their investments as the foundation for what they have available to spend. The higher the portfolio’s yi...
by b4real
Sat Jun 23, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need 3% Steady Income from $1.1 Mil Nest Egg
Replies: 30
Views: 4557

Re: Need 3% Steady Income from $1.1 Mil Nest Egg

The discussion of withdrawal methods in the wiki may be helpful as you put your plan together: https://www.bogleheads.org/wiki/Withdrawal_methods
by b4real
Sat Jun 02, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 2899

Re: Need to replace my Vizio TV..............

Some credit cards double the manufacture's warranty.
https://www.nerdwallet.com/blog/the-off ... ty-policy/
by b4real
Fri Jun 01, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Address in Social Security
Replies: 21
Views: 2483

Re: Changing Address in Social Security

I went through this several years ago with a disabled relative. I was tempted to make the online account but decided against it due to the many warnings. I ended up becoming representative payee.
by b4real
Fri Jun 01, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: How long does it take for SS to fix earnings record?
Replies: 17
Views: 1924

Re: How long does it take for SS to fix earnings record?

I went through this process a few years ago for my wife. Her SS had an incorrect earnings number from the early 1980’s that did not qualify towards her SS credits because it was too low. Getting credit for correct amount for that year was important to us so her SS would not be reduced due to the WEP...
by b4real
Mon Apr 30, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: How do you fund spending in retirement
Replies: 26
Views: 3755

Re: How do you fund spending in retirement

A monthly transfer from Vanguard taxable to USAA covers what our income streams don’t. Most spending is on a 2.5% cashback credit card, and most bills are auto paid via checking, CC, or billpay. The checking account shows scheduled transactions and balances 30 days into the future making management ...
by b4real
Tue Apr 24, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 73
Views: 6381

Re: [Vanguard account locked out due to deceased owner]

I was agent with full authority on a close relative’s account. When they passed away a couple of years ago, Vanguard locked the account and put me in touch with their Inheritance Services department. After I provided a death certificate and copy of the trust, Inheritance Services assisted me in sett...
by b4real
Thu Apr 19, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Ooma, Ooma Telo Air, standard or premier, Obi200
Replies: 15
Views: 1856

Re: Ooma, Ooma Telo Air, standard or premier, Obi200

I replaced our landline with an Obi200 and GV several years ago and have no complaints. My GV number rings on the house phones via the Obi and on my cell phone. DW's GV rings on the house phones and her cell. Each number has a different ring on the house phones. We have 5 wireless phones throughout ...
by b4real
Sun Apr 08, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 105
Views: 175245

Re: Experience selling car to Carmax?

We’ve been retired about 2 years and have been talking about becoming a 1 car family as we rarely use the 2nd car. This thread provided the impetus to take action. Both cars are late models in great condition and "we" decided to sell "my" car as DW wanted to keep "her" car. Last week I got quotes fr...
by b4real
Wed Apr 04, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: William Bernstein: Retirement Investing and Spending in two easy steps
Replies: 77
Views: 11003

Re: William Bernstein: Retirement Investing and Spending in two easy steps

Agree there this strategy is best suited for a limited group -- those who have enough are who are more focused on asset preservation vs a more traditional investment strategy and objective. Again, this is not geared to a multiple of the investor's expenses only those expenses that wouldn't be cover...
by b4real
Sat Mar 24, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: How to Learn to Build a Web App
Replies: 19
Views: 2204

Re: How to Learn to Build a Web App

If your app isn't too complicated, maybe an app generator would work.
https://www.websitetooltester.com/en/blog/app-makers/
by b4real
Sun Mar 11, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9082

Re: Finally Cutting the Cord - YouTube TV

We've had YTTV for about 7 months. It works great. A few months ago a YTTV app showed up on our Samsung smart tv so I only stream from the phone or chromebook occasionally. We cut the cord a few years ago and also have netflix and amazon prime. The hd antenna hasn't been used since getting YTTV.
by b4real
Mon Jan 22, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Income in retirement questions
Replies: 15
Views: 2557

Re: Income in retirement questions

I found the book “Unveiling the Retirement Myth” by Jim Otar helpful in understanding where we stood as we were getting close to retirement. In particular, review Otar's zones to help determine how much, if any, of your nest egg should be annuitized. https://www.bogleheads.org/forum/viewtopic.php?t=...
by b4real
Fri Jan 19, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 48
Views: 3448

Re: Home Humidifier input please

After moving from a humid climate to a dry climate in 2016 we installed an Aprilaire steam humidifier for our comfort and to protect wooden musical equipment. I also installed an Aprilaire wifi thermostat. Everything can be monitored and controlled from the phone. Works great.
by b4real
Mon Jan 08, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 188
Views: 24845

Re: Anyone disenchanted with retirement?

Retired 3 years. Love this laid back, do what I want when I want lifestyle. No regrets.
by b4real
Sat Dec 30, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Public Service Credit Union (PSCU) of Colorado is trying Reverse Tier Savings to attract new deposits
Replies: 15
Views: 2299

Re: Reverse tier savings?!

I opened this account with PSCU on Black Friday with $2,000. They immediately added an additional $100 to my balance. The extra $100 is mine if I leave the money in the account for 90 Days. The 3.25% is calculated on this balance. My primary bank only pays 0.10% on my savings account. Therefore, I ...
by b4real
Fri Dec 29, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 4585

Re: Hyundai quality and reliability

2016 sonata hybrid limited. Love the car, the ride, and all the bells and whistles.
by b4real
Wed Nov 08, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 6831

Re: Eye Doctor $30 to get your Rx? Is this normal?

I see an OD who practices at an academic medical center with a large eye center. I go annually for a refraction and checkup and when I made the appointment I was told medicare doesn’t cover the refraction and it would cost $38. After checking my vision the doctor told me there was very little change...
by b4real
Wed Sep 13, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 4620

Re: Retirement - Living in Colorado

We moved from the northeast last year to retire in Denver to be close to DD and her family. This has been a great move for us. Lots of recreation and cultural activities. Traffic OK except on the interstates at rush hour - not a problem when retired. An unexpected bonus is almost no bugs to deal wit...
by b4real
Wed Jul 26, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 5821

Re: WiFi Thermostat?

We installed an Aprilaire steam humidifier last year and put in their wifi thermostat at that time. It works with the furnace, air conditioner, and humidifier. I can monitor or change settings from my easy chair or a hotel room. Works great.
by b4real
Sat Jul 15, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Urgent 1st world problem [coffeemaker]
Replies: 48
Views: 4568

Re: Urgent 1st world problem [coffeemaker]

We've had many coffee makers over the years, cheap ones and an expensive all-in-one that served us well for several years but was having problems when we moved last year and wasn't worth getting repaired. We wanted a simple setup and settled on a french press and grinder and couldn't be happier. Man...
by b4real
Sun Jul 09, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Anybody retired and relocated + bought a new house?
Replies: 26
Views: 3113

Re: Anybody retired and relocated + bought a new house?

We retired in 2014 with a plan to relocate to another city close to DD and family. We put our house up for sale at that time. We were moving from a slow buyers market to a higher col sellers market. We did not plan to buy before selling but on a visit last year we bought a house that was “just right...
by b4real
Mon Jun 05, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Mortgages for seniors
Replies: 8
Views: 1331

Re: Mortgages for seniors

Last year we purchased our retirement home in our retirement city. Although we had enough assets to cover the cost many times over and were putting 50% down, the lender insisted we had to show the right amount of income. We also still had our old home at the time so that added to the income needed. ...
by b4real
Mon Apr 03, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Google Voice as secondary number: pros & cons
Replies: 19
Views: 3469

Re: Google Voice as secondary number: pros & cons

I replaced our landline with an Obi200 and GV about 3 years ago and have no complaints. My GV number rings on the Obi and on my cell phone. DW's GV rings on the Obi and her cell. Each number has a different ring on the house phones. We have 5 wireless phones throughout the house with the master conn...
by b4real
Sun Mar 05, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 5799

Re: Where do you order checks from?

Free from USAA and free from Vanguard Advantage but we use very few checks as most are done with billpay. Also, everything possible is on auto-pilot either with billpay or the credit card.
by b4real
Thu Feb 09, 2017 10:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 444
Views: 51027

Re: Your USER NAME...what does it mean?

b4real is my homage to Leonard Cohen.
It is a rare Cohen cover. In this case of a Frederick Knight song.
At the end of the song he acknowledges the author by saying "Thanks for the song Mr. Knight".
http://cohencentric.com/2016/02/24/25206/
by b4real
Tue Feb 07, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Two Years to Retirement – Please review and comment [1 year update]
Replies: 64
Views: 11551

Re: Two Years to Retirement – Please review and comment

Agree with others that you double check your social security numbers. Use the social security detailed calculator, Anypia, to verify your spreadsheet results. https://www.ssa.gov/OACT/anypia/download.html I found the book Unveiling the Retirement Myth by Jim Otar helpful in understanding where we st...
by b4real
Mon Jan 16, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Vacationing in Florida (Advice Requested)
Replies: 22
Views: 2469

Re: Vacationing in Florida (Advice Requested)

Sarasota is about an hour drive south of St. Pete. Lots to do there. The Mote Aquarium (http://www.mote.org) and the Ringling circus museum (http://www.ringling.org) should make for a fun day for a 5 year old and the whole family.
by b4real
Wed Jan 11, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 53905

Re: USAA 2.5% Cash Back Credit Card

From the USAA 2.5% Cash Back Credit Card's terms and conditions: "Qualifying Purchases are the Purchases that post to your Account, less any Purchase credits, returns, or other adjustments that are not payments. Qualifying Purchases do not include: Balance Transfers, Cash Advances (including Conveni...
by b4real
Thu Aug 25, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: *Tech Questions* How do you keep track of your life?
Replies: 33
Views: 4329

Re: *Tech Questions* How do you keep track of your life?

+1 google photos As others have said, photos are uploaded to g photos automatically from the phone and computer. They are in the photo library by date. I organize many of them into albums. It’s like putting files into folders. For instance, I made an album for each grandchild. Periodically I select ...
by b4real
Fri Aug 19, 2016 7:07 am
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 115
Views: 16251

Re: Improving the Bogleheads forum

I enjoyed the annual net worth survey and would like to see it allowed again.
viewtopic.php?t=154364
by b4real
Sun Aug 07, 2016 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall planning help
Replies: 7
Views: 1147

Re: Windfall planning help

There's a good article on this in the wiki.
https://www.bogleheads.org/wiki/Managing_a_windfall