Search found 16 matches

by chicks
Wed Sep 23, 2020 5:58 pm
Forum: Personal Investments
Topic: Vanguard Roth Performance
Replies: 17
Views: 1756

Re: Vanguard Roth Performance

Well, that was scary - VTWNX was originally showing a 6.21% decline today! Quickly checked all its component funds, none of which was down by more than 2.4%, so I know it HAD to be a mistake (Vanguard has done this before). Thankfully, they had it corrected within an hour, down just 0.95%. Whew! I w...
by chicks
Wed Aug 19, 2020 3:53 pm
Forum: Personal Investments
Topic: Which budgeting software do you use ?
Replies: 66
Views: 3701

Re: Which budgeting software do you use ?

I've been using https://www.newretirement.com/ for a couple of years now. It's a retirement planner as well as a budgeting tool. It's still a work in progress, but I find myself using it more and more. Never liked Fidelity's FullView much, and Personal Capital is great for some aspects of planning, ...
by chicks
Sat Jan 18, 2020 2:14 pm
Forum: Personal Investments
Topic: Retirement checkup - can we do better?
Replies: 10
Views: 1499

Re: Retirement checkup - can we do better?

Dividends and cap gains are what I was hoping would get us through until SS. Reading through this site, though, it appears those are not a terribly popular way to realize income... Wife (age 58 1/2) also intends to consult (she has highly specialized knowledge, plenty of lawyer contacts who have exp...
by chicks
Sat Jan 18, 2020 9:37 am
Forum: Personal Investments
Topic: Retirement checkup - can we do better?
Replies: 10
Views: 1499

Re: Retirement checkup - can we do better?

Does that include mortage payments? If so how much is your mortage payment? Yes, $1833/mo including property taxes and insurance I didn't crunch the numbers but it looks like when you are both getting Social Security and your Pensions that combined those will pretty much cover your expenses. You wo...
by chicks
Fri Jan 17, 2020 11:25 pm
Forum: Personal Investments
Topic: Retirement checkup - can we do better?
Replies: 10
Views: 1499

Re: Retirement checkup - can we do better?

Unless I missed it you did not mention what your expenses are and what Social Security you will get. See this web site for a suggested Social Security claiming strategy. https://opensocialsecurity.com/ My PIA at 66: $2905 Wife PIA at 67: $2150 Recommended strategy: I file at 70, spouse files at 62 ...
by chicks
Fri Jan 17, 2020 10:53 pm
Forum: Personal Investments
Topic: Retirement checkup - can we do better?
Replies: 10
Views: 1499

Re: Retirement checkup - can we do better?

Quick question; Why would your desired stock allocation only be 10%? That's the international portion of stocks, just a guess. Desired allocation is 50% stocks, 50% bonds, perhaps too conservative, but I've always lived frugally, and intend to live until I'm 100 (parents lived well into their 90s).
by chicks
Fri Jan 17, 2020 2:28 pm
Forum: Personal Investments
Topic: Retirement checkup - can we do better?
Replies: 10
Views: 1499

Retirement checkup - can we do better?

Retired, wife hopes to retire this year. Here's where we are now: Emergency funds: $30K Debt: Mortgage $248K @ 3.5% Tax Filing Status: Married Filing Jointly Tax Rate: xx% Federal, xx% State Just retired last year, so no taxable income for me, wife about $80K taxable income, wants to retire in July,...
by chicks
Sun Jun 30, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 25
Views: 9114

Re: Costco Free Screenings

Did the Healthy Heart screening yesterday morning at the local Costco. Store was packed, as usual on a Saturday, but the screening line, near the pharmacy, was only one deep. Took maybe 10 mins total. I was fasting, so they did the full test. However, their machine only reads TC down to 100, mine wa...
by chicks
Mon Jun 03, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: 401K Dividends
Replies: 7
Views: 776

401K Dividends

I’m turning 65 next month, took a nice voluntary retirement package in March. Don’t want to start Social Security until at least age 66. Small pension starts Aug 1st. Looking at all the possible income streams before Social Security starts. My 401K includes a nice chunk of MegaCorp stock because the...
by chicks
Sat May 04, 2019 11:28 am
Forum: Investing - Theory, News & General
Topic: How and when did you do it - to get to 1 Million
Replies: 129
Views: 29188

Re: How and when did you do it - to get to 1 Million

About 17 years ago, I was working for WorldCom, naively accepting that everything they were matching in the 401K was company stock, happy that my stock options were approaching $1 million, happily buying company stock at a discount via the ESPP. I believed the BS. Oops. https://money.cnn.com/2002/07...
by chicks
Fri Aug 12, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 146
Views: 29478

Re: Best Crossover SUV to purchase

Subaru Forester or Outback. Both have everything on your list @ $28K, except the V engine; Subie uses boxer engines. Excellent reliability, super safety ratings, the best 4-wheel drive system. Top of CR's ratings. I love the EyeSight system, with lane tracking and adaptive cruise control, plus accid...
by chicks
Thu Apr 17, 2014 11:32 am
Forum: Investing - Theory, News & General
Topic: Fidelity Full View
Replies: 23
Views: 7489

Re: Fidelity Full View

Just discovered this on my Fidelity 401K site. I've tried a number of these tools. Personal Capital, IMHO, is by far the best. Fidelity Full View just seems clumsy and lacking features in comparison. Personal Capital only bugs you to use their paid services a couple of times before leaving you alone.
by chicks
Thu Apr 03, 2014 11:11 am
Forum: Personal Consumer Issues
Topic: Boglehead Cruise Line Preference
Replies: 57
Views: 10290

Re: Boglehead Cruise Line Preference

Had several enjoyable Mediterranean and Caribbean cruises courtesy of the US Navy. :D Food was just OK, but they paid me for the privilege!
by chicks
Sat Mar 29, 2014 8:19 pm
Forum: Personal Consumer Issues
Topic: Want to trade car for Small SUV: Financially good, bad, wash
Replies: 26
Views: 3481

Re: Want to trade car for Small SUV: Financially good, bad,

I drive a 2005 CR-V (bought new), currently has 135,000 miles on it. I've been told several times that they can hit 250,000 miles, and believe it, as I often see older models on the road. It's definitely not a "driver's car" like your Bimmer, but it's extremely versatile. Love the view, wish it had ...
by chicks
Fri Mar 28, 2014 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: New graph on Personal Capital Dashboard
Replies: 12
Views: 2461

Re: New graph on Personal Capital Dashboard

My LAI currently says I can spend $102K/year. Financial Engines says $163K for "average" market conditions after retirement. Firecalc says "A spending level of $186,394 provided a success rate of 100.0% (113 total cycles, of which 0 failed)", again after retirement. I'm single, almost 60, and live o...