Search found 821 matches

by dumbbunny
Tue Aug 14, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 55
Views: 3956

Re: Marriage [How should finances be handled?]

My wife wanted separate accounts. It was her second marriage and my first. Twenty six years later both systems (finances and marriage) are working. Good luck
by dumbbunny
Fri Jun 29, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 7132

Re: Cheapest way to buy a phone in 2018?

If you don't mind Android, the best value is Motorola's Moto line. The Moto G is the midrange, Moto E is even cheaper. You can get the latest Moto G6 Plus unlocked from Amazon for $235; the older G5 is even cheaper. I jumped off the Apple cart when a video I was shooting failed to record the sound....
by dumbbunny
Fri Jun 15, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5375

Re: Apple MacBook Air On Sale $699

Alexa9 wrote:
Fri Jun 15, 2018 11:19 am
Embarrassing that Apple still even sells that model as a current model and even more embarrassing that people still buy it. Same with their Mac Mini/Pro.
I jumped off the Apple wagon and jumped on the Chromebook wagon. Doing the same might not work for everyone but it certainly did work for me.
by dumbbunny
Fri Jun 15, 2018 4:30 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17789

Re: Life in retirement - what did you do today?

Retired for 10 years except for a 2 year volunteer-turned part-time job with my church. I am 64. Got up at 4 am and made coffee. Browsed this forum and watched pre-US Open telecast. Wife gets up at 7 am and we talk and watch the Today show until 9 am. I planted a clematis and putzed in the garage/ya...
by dumbbunny
Tue Jun 12, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 78
Views: 12949

Re: Who uses the 3 fund portfolio ?

I have had the Three Fund Portfolio since 2006 when I unfortunately sold my last individual stock holding - AAPL - to be all in. At 50/50, I thought it would be a SWAN portfolio but the thought of what could have been with my AAPL shares sometimes keeps me up at night.
by dumbbunny
Wed Jun 06, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 17469

Re: Top Shelf Liquor Overrated?

IMO, yes. I won big at the craps table one night and decided to treat my friends to a bottle of Bookers Small Batch - comes in a wood case - for around $75. All agreed it was like swallowing a furnace and also agreed that less expensive bourbons tasted much, much smoother. I used the remainder of t...
by dumbbunny
Tue Jun 05, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 17469

Re: Top Shelf Liquor Overrated?

IMO, yes. I won big at the craps table one night and decided to treat my friends to a bottle of Bookers Small Batch - comes in a wood case - for around $75. All agreed it was like swallowing a furnace and also agreed that less expensive bourbons tasted much, much smoother. I used the remainder of th...
by dumbbunny
Mon Jun 04, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6395

Re: Need advice on 1st international vacation

Consider Spain. Start a Renfe (Spain) or Eurail (Europe) account. If renting a car, chose diesel. Google the exact pick-up and drop-off location of your rental to avoid driving around trying to find it. Sometimes the drop-offs are in an obscure public parking structure. If your ATM pin is made up of...
by dumbbunny
Sun May 27, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 2877

Re: Near commercial level treadmill

dentoid wrote:
Sat May 26, 2018 6:11 am
I am looking for a treadmill that will receive heavy use 40-50 miles a week for an in-home gym. I have been considering the Life Fitness T3 treadmill. Budget is around $3,000. The size and fold-ability of the treadmill are not important.

Any recommendations?
True Treadmills and that's the truth.
by dumbbunny
Mon Apr 16, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 6408

Re: Costco gas

My Honda Fit has about an 8 gallon tank so I'm not saving much to drive the extra miles to save $0.25/gallon.
by dumbbunny
Thu Apr 12, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 5307

Re: realtor wants to show house to buyer, no listing agent for me

OP, You've written multiple times that you are not interested in selling. Why are you even communicating this buyer and his/her agent?! You seem to realize you will have to move when you sell, but you don't seem to have truly internalized the implications of moving. Your house isn't going anywhere....
by dumbbunny
Wed Mar 28, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3609

Re: Which cordless weed whacker to buy?

Here in Oregon, you can rent goats to graze on your property. They will eat "anything". I'd recommend you looking for a similar option locally.
by dumbbunny
Sat Mar 24, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 8448

Re: What Budget? Do you keep one?

We do not keep a budget, but what we do is track our spending. To me this is the most valuable thing that you can do to understand your finances. I don't go crazy--only 10 categories. It takes about 15 minutes each month and I use an old fashioned self-made spreadsheet I post all expenses in an Lib...
by dumbbunny
Tue Feb 27, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Any Ideas on How to Reduce Our Adjusted Gross Income?
Replies: 16
Views: 2013

Re: Any Ideas on How to Reduce Our Adjusted Gross Income?

Not a tax guru but if you happen to take an IRA distribution in the last few days of December you might just barely still be in the 60 day window when you can deposit like you were moving part of the IRA. Nice one. Here's a link to a IRAHELP.COM page on the 60 day rollover rule: https://www.irahelp...
by dumbbunny
Mon Feb 26, 2018 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Any Ideas on How to Reduce Our Adjusted Gross Income?
Replies: 16
Views: 2013

Re: Any Ideas on How to Reduce Our Adjusted Gross Income?

Check your old tax returns (2016) to see if there are any capital loss carryovers. If there are capital loss carryovers that were somehow not entered into 2017 tax return, entering them would allow the capital gains to be offset and give you a lower AGI. Did you do any Roth conversions in 2017? If ...
by dumbbunny
Mon Feb 26, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Any Ideas on How to Reduce Our Adjusted Gross Income?
Replies: 16
Views: 2013

Re: Any Ideas on How to Reduce Our Adjusted Gross Income?

Please remember that a qualified charitable distribution (QCD) from a traditional IRA is only available to a person who has attained the age of 70.5 by the date of the actual distribution and must be taken prior to the end of the applicable tax year. I have been doing it for the past ten years in t...
by dumbbunny
Mon Feb 26, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Any Ideas on How to Reduce Our Adjusted Gross Income?
Replies: 16
Views: 2013

Re: Any Ideas on How to Reduce Our Adjusted Gross Income?

Gill wrote:
Mon Feb 26, 2018 7:59 pm
Make a QCD from your IRA.
Gill
Are you saying that making a QCD now or before April 15th (actually the 17th) can reduce my 2017 adjusted gross income? Thanks
by dumbbunny
Mon Feb 26, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Any Ideas on How to Reduce Our Adjusted Gross Income?
Replies: 16
Views: 2013

Re: Any Ideas on How to Reduce Our Adjusted Gross Income?

I think the OP needs to reduce AGI for 2017... Not sure if there's much other than HSA or IRA contributions still available. OP here. Yes, I am looking for a way to nullify some of the income we received this year to get us under the Obamacare limit so that I don't have pay back the Premium Tax Cre...
by dumbbunny
Mon Feb 26, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Any Ideas on How to Reduce Our Adjusted Gross Income?
Replies: 16
Views: 2013

Any Ideas on How to Reduce Our Adjusted Gross Income?

My wife and I tried to stay under the Obamacare subsidy income level of $64,080 for a family of two in 2017. Alas, my wife withdrew some Vanguard SP500 shares in a taxable fund and the capital gains of $3000 took us over the limit. Our only income is social security and a small pension for her and d...
by dumbbunny
Mon Feb 26, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Talk some "cents" into me- Home Improvement
Replies: 33
Views: 1709

Re: Talk some "cents" into me- Home Improvement

I vote that you need to pay off the loans and increase 401k contributions to the max before doing optional home repairs. The other thing to consider is what other kinds of things the home might need (rather than want) in the next 5 years or so. What if you spend $20k on pavers and then you need a n...
by dumbbunny
Wed Feb 21, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Cedar Roof
Replies: 27
Views: 1881

Re: Cedar Roof

I bought a cedar shake roofed house in 1990 (built in 1985). When I sold it in 2011, it passed inspection. I cleaned out the keyways (space between the shakes) annually because of the dead pine needles from evergreens next to the house. And I replaced all the ridgecaps and any split shakes that I br...
by dumbbunny
Sat Jan 20, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs CD/download
Replies: 11
Views: 1697

Re: Turbotax Online vs CD/download

SlowMovingInvestor wrote:
Sat Jan 20, 2018 5:29 pm
I believe the download version is more flexible at doing things like multiple returns for MFJ vs MFS, checking scenarios with multiple copies etc.
This. Chromebook is my daily driver but I bought a Mac mini on eBay so I could use the CD and run scenarios.
by dumbbunny
Sun Jan 07, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 211
Views: 21129

Re: Memo to those who have won the game: it's time to quit playing

According to cfiresim.com I have won the game but I'm still 60/40 and I am selling on the equity side to make a cash reserve to get me through until I start to receive SS in two years. Play on.
by dumbbunny
Thu Jan 04, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 29059

Re: Hitting The Sell Button

nedsaid wrote:
Wed Jan 03, 2018 11:24 pm
How are other older investors like me reacting to this? Am I alone in how I feel about this?
Retired. Looking at 64 in March. I am just following my IPS. 60/40. Re-balancing at 5%. Reinvesting dividends into money market.
by dumbbunny
Tue Jan 02, 2018 9:49 pm
Forum: Investing - Theory, News & General
Topic: Talk me out of a 60/40 AA
Replies: 76
Views: 9524

Re: Talk me out of a 60/40 AA

nasrullah wrote:
Tue Jan 02, 2018 9:39 pm


Found FireCalc https://www.firecalc.com/ and just lost the next week of my life :) Thanks, this is pretty amazing.
Try www.cfiresim.com, too, if you have time.
by dumbbunny
Wed Dec 06, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 76
Views: 8718

Re: Dad Needs Help Buying Wedding Liquor

I went to a wedding and both the bride and groom had a signature drink that you could order. Whiskey Press (for the groom) and I don't remember the bride's choice. And there were two wines - a pinot noir and something else. Oh, and two beer styles. No one complained.
by dumbbunny
Mon Nov 27, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Trying to avoid ACA Subsidy failure!
Replies: 19
Views: 2462

Re: Trying to avoid ACA Subsidy failure!

I didn't follow all the numbers but one strategy that I might do to keep my taxable income down would be to get a home equity loan to pay for my living expenses instead of making traditional IRA withdrawals. Once I get under medicare and don't have to worry about the subsidy I can make IRA withdraw...
by dumbbunny
Sun Nov 26, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 54
Views: 6677

Re: Trip to Hawaii - what do I need to know

Go to Kihei on Maui.
A lot of activities - check TripAdvisor.com
Go to Costco after landing and get your supplies and gas.
Coconut's Fish Cafe is a must.

Kona the Big Island. Laid back. Again, check TripAdvisor.com
Go to Costco after landing and get your supplies and gas.
Poke Shack is a must.
by dumbbunny
Sun Nov 26, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Charcoal grill
Replies: 18
Views: 1873

Re: Charcoal grill

What is the best Kamado for my use? I'm thinking Akorn Junior ($100 at Lowe's) or Kamado Joe Jr ($500). I don't care about longevity as long as it works and survives 2 years including the winter with a cover. If money is no object, get the KJJ. You will get a better price for it when you sell it. G...
by dumbbunny
Sat Nov 25, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Charcoal grill
Replies: 18
Views: 1873

Re: Charcoal grill

I am having a love affair with my Kamado Joe, Jr. Had a Traeger but eventually the parts wear out.
by dumbbunny
Thu Nov 16, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 6321

Re: Fair way to split expenses?

I can't imagine that there is any other way to do it than 50/50. You can have separate accounts, but in the end, isn't that (50/50) what marriage is supposed to be? JT You lack imagination.:) There are tons of people that are more comfortable with some split. It might seem crazy to you. Keeping fin...
by dumbbunny
Wed Nov 15, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 6321

Re: Fair way to split expenses?

50/50 works best - that way no one has controlling interest. Our incomes are the same. I can only guess if there was a difference in income, we would break the expenses down to a ratio of what we earn. I owned a house before we got married. She wanted a piece of homeownership so I came up with a 80/...
by dumbbunny
Tue Nov 14, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 8133

Re: Tipping in living wage state. Redux.

If I had continued to work this is what I would be making - $14.93 - $26.33 https://www.payscale.com/research/US/Job=Electronic_Prepress_Operator/Hourly_Rate My Associate Degree in Printing at a tech college was not free. I am not tipping anyone who makes $15/hour by taking a food order and serving ...
by dumbbunny
Wed Nov 08, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Borrowing $ from Wife to Receive Premium Tax Credit
Replies: 12
Views: 1955

Re: Yes, my goal is to keep Line 37 under $63,500.

You posted on another thread Yes, my goal is to keep Line 37 under $63,500. You can read more about it here - Maybe this has been discussed before but ACA Premium Tax Credits are based on Modified Adjusted Gross not line #37 Adjusted Gross Income From what I saw regardless of the lending money back...
by dumbbunny
Mon Nov 06, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: ACA MAGI planning
Replies: 57
Views: 6124

Re: ACA MAGI planning

westrichj312 wrote:
Mon Nov 06, 2017 8:56 am
enjoy reading these replys as I retired at 50 and my wife and I are in the same boat we keep are line 37 under the 72,000 mark for the subsidies
Yes, my goal is to keep Line 37 under $63,500. You can read more about it here - viewtopic.php?f=2&t=228744
by dumbbunny
Sat Nov 04, 2017 6:49 am
Forum: Personal Finance (Not Investing)
Topic: ACA MAGI planning
Replies: 57
Views: 6124

Re: ACA MAGI planning

I'm pretty certain ACA looks at only your adjusted gross income - line 37 to determine your premium tax credit. See Questions and Answers on the Premium Tax Credit | Internal Revenue Service : For purposes of the premium tax credit, your household income is your modified adjusted gross income plus ...
by dumbbunny
Sat Nov 04, 2017 1:13 am
Forum: Personal Finance (Not Investing)
Topic: ACA MAGI planning
Replies: 57
Views: 6124

Re: ACA MAGI planning

I'm pretty certain ACA looks at only your adjusted gross income - line 37 to determine your premium tax credit.
by dumbbunny
Fri Nov 03, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 73
Views: 7777

Re: Giving up on Quicken? (and expense tracking software altogether)

I exported all of my cash, credit and debit transactions into Office Libre spreadsheet. I have the capability to run expense reports that show my spending habits. Just trying to simplify my life so I can play more.
by dumbbunny
Thu Nov 02, 2017 11:48 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 9275

Re: Is it difficult to switch from an iPhone to an Android?

I just got my new Moto G5 Plus for $206 and am shocked by its speed and brilliance. It’s like I’ve moved up from a Yaris to a Lexus. What is it missing compared to top end phones? Apparently an even more spectacular phone; a bigger screen; wireless charging; the faster USB port; more memory. Those ...
by dumbbunny
Thu Nov 02, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 9275

Re: Is it difficult to switch from an iPhone to an Android?

I am shocked with how much value old phones seem to hold. Sure you can use them as tablets when you move onto a new phone, but I would think they would drop in price quicker than cars and they don't seem to. I'm thinking old phones are holding their value because new (flagship) phones are getting s...
by dumbbunny
Tue Oct 31, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 22163

Re: Early-retired 35 year old with $1 million

BonziBuddy: Welcome to the Bogleheads Forum! You can use this monte-carlo tool to give you the possible outcomes for a one-million dollar portfolio using various withdrawal rates: https://www.portfoliovisualizer.com/monte-carlo-simulation#analysisResults Best wishes. Taylor Or www.cfiresim.com
by dumbbunny
Mon Oct 30, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 9275

Re: Is it difficult to switch from an iPhone to an Android?

letsgobobby wrote:
Sat Oct 28, 2017 10:58 am
I figured. x it is.

for me, moto g5 plus?
I went from iPhone 5 to Moto G4 16Gb and will never regret it. The 2 Gb of RAM are never an issue for me. I purchased a 32GB SD for cheap. Go for the Moto G5 Plus instead of any flagship phone and invest the difference in an index fund.
by dumbbunny
Fri Oct 27, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 9590

Re: Can I retire today?

Plug your numbers into www.cfiresim.com and see what you get.
by dumbbunny
Fri Oct 27, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: My fear about buying a house justified?
Replies: 72
Views: 7227

Re: My fear about buying a house justified?

student wrote:
Thu Oct 26, 2017 9:59 am
I would be worried about buying too. At first glance, $50,000 in retirement account is not enough. However, if your husband gets a good government pension, it may be ok.
This.
by dumbbunny
Fri Oct 27, 2017 8:04 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 202
Views: 32925

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

White Coat Investor wrote:
Wed Oct 25, 2017 10:31 pm
Well done guys, well done. I'm super impressed to see you both working hard when many people are on the golf course or in a lounger chair.
I am on the golf course because I have a Three-Fund portfolio. :D :moneybag

Thanks Taylor and Mel (and Mr. Bogle)
by dumbbunny
Tue Oct 24, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 74606

Re: Quicken's future direction - a cause for concern

I bailed from Quicken last year after using it since 1992. All of my cost basis details are with Vanguard. I now track expenses (only) with an OfficeLibre spreadsheet and am able to perform reports using subtotals.
by dumbbunny
Tue Oct 24, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Viewing slow motion videos from an iPhone
Replies: 5
Views: 511

Re: Viewing slow motion videos from an iPhone

Upload your file to YouTube if you have an account. Select the gear icon and chose the speed you want to watch
by dumbbunny
Mon Oct 23, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to make a Will myself?
Replies: 20
Views: 1590

Re: How to make a Will myself?

I would advise against this. I'd considered it at one time and was advised that if I made one myself and I might make a mistake and possibly could nullify my best intentions. I spent $500 for a will and $250 for an update. I am ready to spend another $250 on another update. To me it's money well spe...