Search found 58 matches

by Ready3Retire
Sat Oct 14, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 3722

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

For an example, you're chatting away with a passenger while waiting for the green light on an on-ramp, or while just driving straight in your lane on a crowded freeway. When you accelerate down the ramp to merge, or start looking over your shoulder to change lanes, I think that passengers will unco...
by Ready3Retire
Fri Oct 06, 2017 5:32 am
Forum: Personal Consumer Issues
Topic: Steep Uneven Floor in an Old House
Replies: 26
Views: 1652

Re: Steep Uneven Floor in an Old House

Sounds like a situation my in laws had on their 1926 beach cottage a few years ago. Its build on sand about 50 feet above the Atlantic and had settled over the years - many of the windows could not be opened. They had a specialized contractor come in and screw a number of helical pilings into the gr...
by Ready3Retire
Sun Oct 01, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Cost Estimate
Replies: 33
Views: 1416

Re: Medicare Cost Estimate

This too: Medicare Costs •Medicare Part A: Usually free in Retirement, funded by payroll taxes •Medicare Part B: Costs around $135 per month in 2017. This cost comes out of your social security paycheck. •Medicare Part D: Costs vary by state, but average $73 per month in 2017. •Part B and D policies...
by Ready3Retire
Sun Oct 01, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Cost Estimate
Replies: 33
Views: 1416

Re: Medicare Cost Estimate

Thanks for the responses. Inputs for this were my and spouses current ages, current household income, and the state we plan to retire in. I put in other midwest states and the number only varied by a thousand or two. Initial income was $173K. I tried these variations: 1) dropped income to $150K and ...
by Ready3Retire
Sun Oct 01, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Cost Estimate
Replies: 33
Views: 1416

Medicare Cost Estimate

I'm 57 and my spouse is 53 and I am (was?) planning to retire in 2 1/4 yrs (spouse isn't working). I thought I was well on track for this given I'll have a $64K annual pension when I retire and currently have $1.4M in 401K/tIRAs/Roths/after tax savings - 55/45 overall stock/bond. 2 kids should be on...
by Ready3Retire
Sat Sep 23, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for mid 50 age group
Replies: 35
Views: 2492

Re: Asset Allocation for mid 50 age group

Currently 56 planning to retire at 59. Including 401ks, tIRAs, Roths, and after tax savings: 55% stock/45% bond. Also, I have a pension.
by Ready3Retire
Fri Sep 15, 2017 5:24 am
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 23
Views: 2358

Re: Any Ford Escape drivers in Boglehead-land?

I drive a 2015 Escape FWD 1.6L turbo. I got a 3 year lease with 15K miles per year for $228/mo with $600 at signing. I average 26 mpg with mixed city/hwy driving. Very happy with it. I can fit my golf clubs in the back on the diagonal. I've had it just over 2 years (32k miles) and only had to do oil...
by Ready3Retire
Mon Jul 31, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1498

Re: Florence Hotels.......

We stayed at Hotel Pendini. It was recommended in Rick Steves book. Nothing fancy but adequate. Centrally located on Republican piazza. They had some old photos in the lobby of Hitler and Mussolini driving in a parade with the hotel in the background.
by Ready3Retire
Fri Jul 28, 2017 6:07 am
Forum: Personal Consumer Issues
Topic: Italy in August Trip (Rome, Florence, Venice)
Replies: 43
Views: 2867

Re: Italy in August Trip (Rome, Florence, Venice)

In 2015, I took my wife and 2 teenage boys to Rome (4 days), Tuscan agriturismo (4 days) and Florence (3 days). Everyone loved the trip. Favorites in each city were: ~2 hr bike tour in Rome around coliseum (used Viator), loved driving/biking around Tuscany and living at the working farm (olives, vin...
by Ready3Retire
Sat Jul 15, 2017 8:13 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 18621

Re: How are folks handling the unprecedented rise in the market ?

Staying the course. I do however really enjoy the "triple whammy" days when domestic equities, int'l equities, and bonds are all up. I think we had 2 just this week.
by Ready3Retire
Sat Jul 15, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Time to dump State Farm agent?
Replies: 25
Views: 2254

Re: Time to dump State Farm agent?

You should shop around for insurance at least every 2 years. If you find a better deal (equal or better coverage for less money) go with it even if it is not at the end of your policy. You will get refunded any balance. You will likely find a better deal because many insurance companies have teaser ...
by Ready3Retire
Sat Jul 15, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Tips and advice from those who had their homes built
Replies: 13
Views: 1355

Re: Tips and advice from those who had their homes built

I have not built a house from scratch but have done major renovations - e.g. kitchen, baths. I'd recommend adding insulation on interior walls for soundproofing for bathrooms, bedrooms, laundry room. Also, go with solid doors vs hollow core doors for soundproofing for these areas.
by Ready3Retire
Wed Jun 28, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: How many "accounts" do you maintain at your investment firm?
Replies: 31
Views: 1873

Re: How many "accounts" do you maintain at your investment firm?

In a (misguided?) effort to make bookkeeping easier, I have his and her Roths for calendar years 2013, 2014, 2015, 2016, and 2017. These are in addition to 529s for each child, her individual, his individual, joint, his tIRA, and her 403B.
by Ready3Retire
Tue Jun 06, 2017 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?
Replies: 22
Views: 1417

Re: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?

> I am intended to convert about $300-$500 in USD to Euros prior to the trip at local BigBank, where I bank. It's unlikely you will get a good exchange rate in the US. I usually get euros from a bank machine when I arrive. +1. Open a Schwab checking account and use the debit card to w/d Euros from ...
by Ready3Retire
Fri May 26, 2017 6:04 am
Forum: Personal Consumer Issues
Topic: Plumbing issue
Replies: 6
Views: 1179

Re: Plumbing issue

My guess is that you have some minor water hammer - that is, the same physical process as water hammer but not enough to make the water hammer noise. Easy enough to confirm: 1. Turn off water supply at the meter. 2. Open 2-3 faucets on each level of house. 3. When water stops draining out of faucet...
by Ready3Retire
Sat May 13, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: Confirm Withdrawl Strategy
Replies: 17
Views: 1882

Re: Confirm Withdrawl Strategy

Makes good sense to me as well. Not to steal your thread but what if someone is already above or near 15% tax brkt cap due to a pension for example. Does the same logic hold - i.e. Do Roth conversion to top of 25% brkt?
by Ready3Retire
Fri May 12, 2017 5:00 am
Forum: Investing - Help with Personal Investments
Topic: Novice portfolio & plan help - plus investing a windfall
Replies: 13
Views: 1083

Re: Novice portfolio & plan help - plus investing a windfall

Maybe I missed it but if I had a HELOC with a $5K balance at 4.5%, I'd pay that off as well.
by Ready3Retire
Sat Apr 15, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Downgrading Comcast (with no other competition)
Replies: 36
Views: 3521

Re: Downgrading Comcast (with no other competition)

Wonder if I can try the same thing in-store (to reduce my wait time)? Just walk out if they call the bluff and call instead? Suggest you call in. There will be very little wait time when you tell them you want to cancel your service. Also, you will likely get a US operator vs a Philippines call cen...
by Ready3Retire
Sat Apr 15, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Downgrading Comcast (with no other competition)
Replies: 36
Views: 3521

Re: Downgrading Comcast (with no other competition)

I suggest you get the details of the AT&T offer that is available to your neighbors down the street. Then call Comcast and tell them you want to cancel. Do not say you are looking to lower your cost, etc. When you tell them you want to cancel, they will ask why. Tell them you are not happy with ...
by Ready3Retire
Fri Feb 10, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 7808

Re: Terrible negotiation - need help with words to use [Buying a car]

Also, be wary of all the extras they try to sell you - undercoating, wheel insurance, etc. Decide ahead of time if you need any of these. They will use fear tactics like telling you how bad the roads are in your area.
by Ready3Retire
Sat Jan 07, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Just retired-requesting portfolio reallocation advice
Replies: 53
Views: 5052

Re: Just retired-requesting portfolio reallocation advice

I do have a question about why the Fidelity manager insists that a mutual fund portfolio, especially index funds, needs to be actively managed and reallocated many times a year.


A: So Fidelity can earn 0.3% to 0.5% of your assets per year.
by Ready3Retire
Sun Jan 01, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1527
Views: 270698

Re: What are you up YTD? [Year To Date]


If I include my total portfolio growth, which includes "human capital", I am up bigly -- 212%!


Wow, that is Big League! :wink:
I'm up 6.72% in my 65/35 401K, and 5.9% in 50/50 Vanguard after tax.
by Ready3Retire
Sun Jan 01, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Requesting a Leave of Absence
Replies: 25
Views: 2241

Re: Requesting a Leave of Absence

The problem with taking a leave of absence is that it raises red flags for future job opportunities. +1. One other option to consider is you could find a new job and negotiate a start date that allows a X week/month gap after the end date at current job. This would give you time to recharge and add...
by Ready3Retire
Sun Dec 04, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Need advice on a ski location
Replies: 28
Views: 3274

Re: Need advice on a ski location

I would give a lot of priority to picking some place you can get a direct flight to. The more connections you have the more chance you will have a problem with a cancelled flight or a missed connection. Totally agree with Watty's advice. Most decent ski resorts will meet most of your reqmnts - hote...
by Ready3Retire
Fri Nov 25, 2016 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-loss harvesting tax-exempt funds
Replies: 12
Views: 2522

Re: Tax-loss harvesting tax-exempt funds

Does it even make sense to TLH all $500k? That would take 166 years at $3,000 per year :confused
by Ready3Retire
Thu Sep 15, 2016 5:45 am
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 7366

Re: Which city for part time home during retirement?

How about Ft. Collins, CO, or Nashville, TN?
by Ready3Retire
Thu Aug 04, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: Florence, Italy Hotel?
Replies: 18
Views: 1182

Re: Florence, Italy Hotel?

PS. Do the Uffizi. Skip the David Museum. The later has little more worth seeing other than the David. The Uffizi has hundreds of years of art, sculptures etc worth seeing. My opinion.
by Ready3Retire
Thu Aug 04, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: Florence, Italy Hotel?
Replies: 18
Views: 1182

Re: Florence, Italy Hotel?

+1 on hotel pendini. StAyed there in 2015. Had 2 room suite. Not the Ritz but a solid clean hotel by Euro stds. Right in the center of Florence. Awesome photos in lobby from the 40's. My favorite was Hitler and Mousilini (sp?) driving thru the Piazza with the hotel in the background.
by Ready3Retire
Wed May 25, 2016 5:45 am
Forum: Personal Consumer Issues
Topic: Listening to tunes while exercising
Replies: 29
Views: 2973

Re: Listening to tunes while exercising

While jogging with earbuds, I almost ran into the path of a moving car (I jog on residential roads). So, I got this Backberry Wearable bluetooth speaker and transmitter. It is heavily discounted on eBay (86% off ) and available for $11.99 including shipping. The sound quality is much better than an ...
by Ready3Retire
Sat Apr 09, 2016 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer in Hand, Delaying Notice
Replies: 42
Views: 4576

Re: Job Offer in Hand, Delaying Notice

Give 2 weeks notice. Are you concerned they will walk you out the door since you are going to a competitor? Most ethical companies will continue to pay you for 2 wks if this were to happen.
by Ready3Retire
Fri Apr 08, 2016 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Which bank for ATM use outside the US?
Replies: 26
Views: 2246

Re: Which bank for ATM use outside the US?

Schwab. No foreign exchange fees, they reimburse ATM fees, and have NO minimum deposit/balance req'd.
by Ready3Retire
Tue Jan 26, 2016 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Who came closest to a $0 [taxes due]?
Replies: 62
Views: 5093

Re: Who came closest to a $0 tax return?

My bet is on Livesoft :)
by Ready3Retire
Sun Jan 24, 2016 11:11 am
Forum: Investing - Theory, News & General
Topic: [CNBC interview:] Investing legend Jack Bogle: 'Stay the course'
Replies: 13
Views: 2670

Re: [CNBC interview:] Investing legend Jack Bogle: 'Stay the course'

^ I think he means that the stock market has predicted 9 of the last 5 recessions. :)
by Ready3Retire
Thu Jan 21, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Next Week... Tips?
Replies: 30
Views: 4885

Re: Early Retirement Next Week... Tips?

Income: I make around $160,000/year currently

His Pension$170,000


Assuming income and pension numbers are correct, you can't afford ..... to keep working. :happy
by Ready3Retire
Mon Jan 18, 2016 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Son starting out wants to use company 401k
Replies: 9
Views: 1082

Re: Son starting out wants to use company 401k

If he can't afford $18K this year, put in the max he can afford. Each year when he gets a salary increase, bump up his 401K contribution by half the salary increase percentage. Soon he will be at the IRS max amount. :moneybag
by Ready3Retire
Mon Jan 18, 2016 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Anyone recently Refi home mortgage? Suggestions?
Replies: 20
Views: 2179

Re: Anyone recently Refi home mortgage? Suggestions?

We also get $500 per year cash back from Chase, not sure how that factors in.


Please clarify, how do you get $500 cash back each year from Chase? Thanks.
by Ready3Retire
Sun Jan 03, 2016 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Stunning Increase In Homeowner's Ins Premium
Replies: 27
Views: 5486

Re: Stunning Increase In Homeowner's Ins Premium

Last year's Hartford insurance premium was $1043. This year they are quoting me $1650 (58% increase). Nothing has changed in my coverage, no claims, nothing. I called and the nice agent said that she could see no reason for it other than a "statewide increase in the cost of doing business ther...
by Ready3Retire
Thu Dec 31, 2015 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Help with $300K investment
Replies: 7
Views: 1252

Re: Help with $300K investment

I would do a combination of #1 and #3. Put a portion in a municipal bond fund - either Vanguard Inter. Term Muni Bond Fund (VWIUX), or a specific state one (e.g. FMHTX if you lived in Michigan) for the state you live in; and use the other portion to pay down principal on your mortgage. I would not a...
by Ready3Retire
Sat Dec 26, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: Viking gas range - repair or replace?
Replies: 14
Views: 2311

Re: Viking gas range - repair or replace?

. Anyway, I discovered yesterday that the two burners in the left won't spark when you turn on the gas - normally, all burners spark regardless of which burner you've turned on. MP - check your fuse box. My Dacor cooktop had the same problem and it turned out a breaker had flipped. Probably happene...
by Ready3Retire
Wed Dec 23, 2015 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 16195

Re: Biggest lucky break in your personal finances?

I was lucky in that when I joined my MegaCorp employer 27+ years ago, they still provided a defined benefit retirement plan (aka pension). A few years later, they switched to a defined contribution plan. Because of this good luck, I am on track to retire in 4 years at the ripe old age of 59.
by Ready3Retire
Sun Dec 20, 2015 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Which Tax Exempt Fund?
Replies: 10
Views: 1253

Re: Which Tax Exempt Fund?

Not Vanguard, but the Fidelity Ohio Municipal Income fund (FOHFX) may be the sweet spot. It has 6-7 yrs for both duration and maturity. The ER is 0.48%. It performed even better this year than both the Michigan version (FMHTX), and the Vanguard Nat'l Muni (VWIUX) that I hold.
by Ready3Retire
Sun Dec 20, 2015 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 109
Views: 14038

Re: Next credit card for a bonus?

Victoria - you could get the AMEX Premier Rewards Gold Card. There is a 50K points for $1,000 spend offer out there ($195 AF waived first year). See FlyerTalk for trick to access - paste address in new window/icognito mode. These 50K points can be used to book travel thru AMEX or can be transferred ...
by Ready3Retire
Thu Dec 03, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 110
Views: 26040

Re: Best (Available)Red Wine for under $15 preferrably under $10

Carnivor 2013 is a great full bodied Cabernet. I pay $8.99 a bottle if I buy four at Meijer (10% off regular $9.99).
by Ready3Retire
Sun Nov 22, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: best way t o purchase euros
Replies: 16
Views: 1685

Re: best way t o purchase euros

The Schwab bank card is the way to go for walking-around Euros. No foreign transaction fees AND they reimburse the ATM fees. This is better than the Fido card which reimburses ATM fees BUT charges 1% foreign transaction fee. Easy to open a Schwab checking account and no minimum balance req'd. Use a ...
by Ready3Retire
Thu Nov 19, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: ATM use in Europe
Replies: 31
Views: 2505

Re: ATM use in Europe

I have had good luck with the Schwab card all over the world.


This ^^^
by Ready3Retire
Tue Oct 13, 2015 6:23 am
Forum: Personal Consumer Issues
Topic: Planning a trip to Rome, need advice
Replies: 49
Views: 4566

Re: Planning a trip to Rome, need advice

As for money, I found using my debit card at ATMs to work best. You get the current exchange rate with a small fee. The 2 times I used my credit card I got hit with a 3% charge plus a higher exchange rate. If I had understood this, I would have got cash from an ATM to pay my final hotel bill. Use a...
by Ready3Retire
Sat Sep 19, 2015 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Pensions & company bankrupcy
Replies: 5
Views: 972

Re: Pensions & company bankrupcy

If LMNO has financial issues and they sell the pension to an insurance company, is he still protected by PBGC? Not sure about your other questions, but the answer to this one I believe is No. Because, if LMNO sells their pension obligations to an insurance company, it then becomes an annuity and is...
by Ready3Retire
Fri Aug 28, 2015 5:12 am
Forum: Personal Consumer Issues
Topic: Garmin maps for Italy?
Replies: 18
Views: 3714

Re: Garmin maps for Italy?

We vacationed in Tuscany in June. I got the optional Tom Tom with our Hertz rental car. Put in destination and it gave flawless turn by turn directions. It was $11 per day I believe but well worth it.
by Ready3Retire
Sat Jul 04, 2015 7:31 am
Forum: Personal Consumer Issues
Topic: Saving on Golf
Replies: 21
Views: 2160

Re: Saving on Golf

I've used Group Golfer ( http://www.groupgolfer.com ) in Michigan several times and saved quite a bit. Every few days, they offer a "deal" for a course in the area you specify. If enough people go for the deal then it is "on". It is usually 50-70% off with a bucket of range balls...
by Ready3Retire
Thu May 07, 2015 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Any circumstances when a home seller gives a buyer a check
Replies: 16
Views: 2461

Re: Any circumstances when a home seller gives a buyer a check

The agent (who represents us both)


Who's interest does this agent look out for - the buyer, the seller, or hers?