Search found 212 matches

by sixtyforty
Mon Oct 22, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 226
Views: 19477

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

I have been retired for 11+ years (73 yo), and the variation on this method I use and really like to to take a monthly withdrawal of 0.5% of the current portfolio value. If you go back and look at the updated Trinity study, a non-inflation adjusted withdrawal of 6% is 30 year safe 93 to 98% of the ...
by sixtyforty
Mon Oct 08, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 79
Views: 13838

Re: Why not a 2 fund portfolio like Bogle suggests

I do a two fund portfolio. I think the US has enough international exposure. Don''t feel the need to have a separate fund for it.
by sixtyforty
Mon Oct 08, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: LTHC Insurance ??
Replies: 10
Views: 814

LTHC Insurance ??

I'm just now starting to look at LTHC insurance but have no clue on which companies or overages to look at. Are there any specific companies I should look at and specific coverages ? Is there a particular age they recommend to start it at ? I would also like to hear from people that chose not to get...
by sixtyforty
Fri Sep 07, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2680

Re: How do you handle Healthcare costs in retirement

Thanks everyone. Incredibly helpful.
by sixtyforty
Thu Sep 06, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2680

How do you handle Healthcare costs in retirement

I'm curious on how others on this board are handling healthcare costs in retirement. Specifically two questions; (1) For those on Medicare, do you find you need supplemental insurance and is it expensive ? (2) For those retiring earlier than 65 , not on medicare but possibly enrolling in ACA, do you...
by sixtyforty
Tue Aug 21, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 40
Views: 3837

Re: Retirees: Timing your withdrawals

I withdraw quarterly, taking out 3x my monthly budget from investments to checking account. The first withdraw of a new year I count the excess left in checking from the prior year and make a smaller withdraw for that quarter. This is what I do as well. I thought about withdrawing yearly but it's a...
by sixtyforty
Thu Jul 05, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 5205

Re: bike helmets

Replace the helmet. Go with a MIPS system. Make sure it fits good. I'm an avid mountain biker and have crashed too many times. Don't go cheap.
by sixtyforty
Fri Jun 01, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 88
Views: 12119

Re: Instant oatmeal vs "regular" oatmeal

I like the Coach's Oats. Similar to steel cut oats but only take about 4 min to cook in the microwave. I add a of TBLS of maple syrup.
by sixtyforty
Thu May 31, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Instant pot pressure cooker
Replies: 50
Views: 6959

Re: Instant pot pressure cooker

Looking at getting one of these as well, so this post is timely. We make a lot of soups (mostly veggies etc) , some which can take to 3 hours on the stove. Is the IP good for soups ? Cooks much quicker ?
by sixtyforty
Wed May 16, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 5746

Re: New motorcycle rider

I've owned two motorcycles in my younger days and learned a lot. It was definitely fun but as everyone points out just be very careful. I'll pass on some of the things I've learned; - Wear a really good helmet at all times, shoes/boots etc. - Take a safety course - Learn to handle the bike at very l...
by sixtyforty
Thu May 10, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 928
Views: 100911

Re: Netflix, Your Current Favorite Show

We just finished Babylon Berlin. Really good. If you don't mind subtitles, watch it in german for the full effect.
by sixtyforty
Wed May 09, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Build a retaining wall ?
Replies: 19
Views: 1772

Re: Build a retaining wall ?

Thanks for the feedback. I agree our situation is not that simple. I'm going to get a couple of landscaping companies to come out and give us some ideas along with estimates.
by sixtyforty
Tue May 08, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Build a retaining wall ?
Replies: 19
Views: 1772

Build a retaining wall ?

I'm looking to build a retaining wall at the corner of our house. It has a pretty good slope to it and the rain gutter empties there. I've looked at some youtube videos but honestly man of them appear to use special equipment etc. Any of you have any links or sources on how to just build a simple re...
by sixtyforty
Wed May 02, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Just use VWINX ?
Replies: 5
Views: 1218

Re: Just use VWINX ?

Wellesley is not tax efficient in a taxable account. The expense ratio is higher, even with all Admiral shares. Costs matter over 30+years. Wellesley only has 73 stocks and just over 1,000 bonds. Much less diversified than Total US (3,600 stocks) and Total US Bond (~9,500 bonds). Wellesley has no i...
by sixtyforty
Wed May 02, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Just use VWINX ?
Replies: 5
Views: 1218

Just use VWINX ?

I'm looking at retirement and just wondering if having one simple fund that delivers consistent returns and minimizes drawdowns in bear markets might be simpler than having two or three funds. When I say "simpler", I mean the ability to sell shares and not having to worry about rebalancing. Currentl...
by sixtyforty
Thu Apr 19, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for ACA ? [Colorado]
Replies: 17
Views: 1784

Applying for ACA ? [Colorado]

Getting ready to apply for ACA - Colorado. For those that have gone through this process (or know alot about it), is there anything I should be aware of ? Any suggestions/tips ? Did any of you go through a broker/agent ?
by sixtyforty
Sat Apr 14, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: Retirement Mechanics
Replies: 13
Views: 1972

Re: Retirement Mechanics

Hoping to retire soon and I would like to know how others handle the following: 1. How often do you take your withdrawal (Beginning of year, End of year, monthly, quarterly, every two weeks, other)? 2. For the next years withdrawal, do you really increase it by COLA, use the same withdrawal as prev...
by sixtyforty
Wed Mar 28, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: When to Take Social Security (again...)
Replies: 62
Views: 6465

Re: When to Take Social Security (again...)

I'm investigating this question as well. What I determined, at least for now, is I will evaluate at 62 whether SS will add to the quality of life or not. If so I'll take it. If not, I'll re-evaluate again at 63 and each year after if necessary. It doesn't have to be a no at 62, thereby implying you ...
by sixtyforty
Fri Mar 23, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile ?
Replies: 18
Views: 2243

Re: Xfinity Mobile ?

pablolo wrote: ↑
Wed Mar 21, 2018 2:49 pm
Is this a two year contract and is it an unlocked phone
No contract. Unlocked phone.
by sixtyforty
Sun Mar 18, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile ?
Replies: 18
Views: 2243

Re: Xfinity Mobile ?

We did in fact switch from AT&T to Xfinity Mobile. It's only been a couple of months but costs have been reduced by about 35%. We get better coverage, at least in our area, and new phones. The promo on the iPhones at the time was $200 prepaid Visa card. The Xfinity hotspots work pretty well too. So ...
by sixtyforty
Fri Mar 16, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?
Replies: 52
Views: 8262

Re: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?

I just recently went through exercise myself to answer the same question. This is what I did, which is basically what most of the posts recommend; 1. Calculate your expenses over the last two or three years, if you can. Include any HC costs. If you don't know what that is, go to your state sponsored...
by sixtyforty
Sun Mar 11, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Bike tires won't inflate
Replies: 8
Views: 1067

Re: Bike tires won't inflate

I have a very strange problem I've never had before. I cannot inflate my bike tires. When I put my air compressor on the tires to get ready to pump, it just lets all the air out. The tires are now relatively flat. The odd thing is that I had just pumped up another bike of mine before this. And now ...
by sixtyforty
Fri Mar 09, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 12174

Re: Ok fellow bogleheads, was the correction scary or nothing?

The market has a very interesting way, insidious actually, of dulling everyone's senses.. without them ever knowing it. This volatility, which I suspect will continue, just ends up conditioning everyone. When the market eventually decides to enter a bear market, it will do so when everyone leasts ex...
by sixtyforty
Fri Mar 09, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: VWINX in a lazy portfolio? [Vanguard Wellesley Income]
Replies: 9
Views: 2068

Re: VWINX in a lazy portfolio? [Vanguard Wellesley Income]

40% Total Stock Market 20% REIT 20% Wellesley 20% Total World Market Rather than make it complicated by allocating out to various bonds, TIPs, etc., I have allocated 20% to the Wellesley Income fund. Comments or suggestions welcomed and thank you in advance. You might consider using portfoliovisual...
by sixtyforty
Wed Mar 07, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawal & Allocation
Replies: 6
Views: 579

Re: Withdrawal & Allocation

14% allocation to cash overall seems a bit high. But to get good advice on your allocation you should give much more information. There is also much confusion about what constitutes "cash". There is often a liquidity vs safety confusion. In most cases all your investments are pretty liquid e.g. you...
by sixtyforty
Wed Mar 07, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawal & Allocation
Replies: 6
Views: 579

Re: Withdrawal & Allocation

I keep zero cash around. OK, usually enough to pay the bills for the next 2 weeks. I sell things to pay bills if I don't have enough cash from dividends, gigs, etc. And it doesn't affect my overall asset allocation. BTW, asking about cash is a Frequently Asked Question. I always enjoy telling folks...
by sixtyforty
Tue Mar 06, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawal & Allocation
Replies: 6
Views: 579

Withdrawal & Allocation

Have a couple of questions on withdrawing and allocation, prior to retirement. In looking at our portfolio our taxable accounts are 47% cash, 14% bonds and 38% Stocks. If I included all the retirement accounts then the cash allocation drops to 14%. (1) Since the 47% cash yields about 5.5 years of li...
by sixtyforty
Tue Mar 06, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5467

Re: Colorado Summer Vacation - what to see and where to stay

I would definitely include Estes Park, RMNP and a ride up Trail Ridge road for sure. Just understand that summer is a very busy time in Colorado.
by sixtyforty
Tue Feb 27, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3408
Views: 1015235

Re: What Book Are You Currently Reading? Part VI

Beneath A Scarlet Sky. Backdrop is WWII in Italy. I'm only halfway through but pretty good.
by sixtyforty
Mon Feb 26, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile ?
Replies: 18
Views: 2243

Re: Xfinity Mobile ?

Thanks for all the replies. Went ahead and switched over to XM to give it a try. Program has only been out for 7 months so it's pretty new.
by sixtyforty
Sat Feb 24, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile ?
Replies: 18
Views: 2243

Re: Xfinity Mobile ?

I don't use Xfinity Mobile, but I regularly use the wifi hotspots on both my mobile phone and my laptop. In New England at least, the hotspot network is very robust and the service works well for me. For context, Comcast offers free access to their Xfinity hotspot network to all broadband subscribe...
by sixtyforty
Sat Feb 24, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile ?
Replies: 18
Views: 2243

Xfinity Mobile ?

Anyone using Xfinity Mobile ? How do you like it ? How does the Wifi Hotspots work ?

I'm thinking of switching from AT&T. Coverage is really poor in my area and the cost is a bit high.
by sixtyforty
Sat Feb 24, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: What books changed your outlook on how you should invest?
Replies: 54
Views: 5142

Re: What books changed your outlook on how you should invest?

The Little Book of Commons Sense Investing - John Bogle
by sixtyforty
Thu Feb 22, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 5318

Re: Any Creative Ways to Cut the Cable?

I'm moving in that direction as well. I had Internet/Cable/Phone with Xfinity. Have since dropped the phone (moved to Google Voice/Obi) and purchased my own modem, which saves another $11 a month. Monthly cost now is about $124 (150mbps & cable), which I think is still too high. I'm looking at dropp...
by sixtyforty
Wed Feb 21, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 928
Views: 100911

Re: Netflix, Your Current Favorite Show

Just finished Godless series. Really enjoyed it.
by sixtyforty
Sat Feb 10, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Comcast Modem
Replies: 35
Views: 3959

Re: Getting Rid of Comcast Modem

We also had the comcast modem with phone. We dropped the phone (went with google voice) and purchased our own modem.
by sixtyforty
Fri Feb 09, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: Comcast Modem Part 2
Replies: 6
Views: 1069

Re: Comcast Modem Part 2

You might consider going with something like OOMA and getting rid of the cable phone. Then you can buy a modem and get rid of the internet phone fee and the gateway rental fee. You would have to lay out the money for the Ooma system and the modem, but should end up in the Black in a year or so, dep...
by sixtyforty
Thu Feb 08, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 3685

Re: Comcast Modem Rental

Comcast is charging $11/mo. for modem rental. Any thoughts on buying a modem to eliminate the rental fee? Are there any problems with doing this? I have this. https://www.amazon.com/ARRIS-SURFboard-SB6141-DOCSIS-Cable/dp/B00AJHDZSI Not sure what advantages there could be renting from Comcast. I hav...
by sixtyforty
Thu Feb 08, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Internet Speed 15Mbps okay ?
Replies: 27
Views: 2734

Re: Internet Speed 15Mbps okay ?

I just checked our download speed and we are getting about 40mbps download and 12mbps upload. My DW who is further from the modem/router gets 25/12. Comcast tells me we are paying for 200 mbps. I guess that must be hardwired to the modem. Would a better router speed up performance ?
by sixtyforty
Tue Feb 06, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 3685

Re: Comcast Modem Rental

Great question. I'm looking at doing the same thing. For modem compatibility you can also ask the agent directly; https://support.xfinity.com/chat
by sixtyforty
Mon Feb 05, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Comcast vs DirecTV
Replies: 9
Views: 1327

Comcast vs DirecTV

So we are looking at moving from Comcast to DirectTV. I've run the numbers and it looks like we can reduce our monthly expense with DirectTV as well as gain features like taping shows etc, which we don't have with Comcast. Anyone make the switch and like it ? Or visa-versa ? Also, for any of you tha...
by sixtyforty
Mon Feb 05, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Internet Speed 15Mbps okay ?
Replies: 27
Views: 2734

Internet Speed 15Mbps okay ?

I'm looking at changing our internet service to reduce cost. We have netflix, Google Phone and two laptops connected to the internet. It's just two people and at most we both may be on the laptop at the same time. We occasionally will watch Netflix at night. Rarely use the home phone (GV). Will 15mb...
by sixtyforty
Thu Jan 25, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Credit Card Compromised... again.
Replies: 16
Views: 1494

Credit Card Compromised... again.

Got a call from our credit card company yesterday to report fraudulent activity on our CC. Someone in our town charged $1 on a gas pump, then proceeded to charge hundreds of dollars at two different grocery stores. This seems to happen to us about once every 3 years. Our CC company is good about spo...
by sixtyforty
Tue Jan 23, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5924

Re: Which tropical Island to Retire to ?

What do you want to do on this island? Fish, drink rum, find lobsters, explore/hike? Find what your interests are and that will narrow your search. Why must one retire to an island. Our plans are to downsize into a smaller home and travel to places we like and use a central location as a home base ...
by sixtyforty
Tue Jan 23, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5924

Re: Which tropical Island to Retire to ?

Choose carefully. Just returned from a Caribbean cruise. You may wish to think long and hard about all the disadvantages of being the richest guy in town. I'd suggest someplace with a large ex-pat community of US citizens, decent medical care, and easy access to an airport with international flight...
by sixtyforty
Tue Jan 23, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5924

Re: Which tropical Island to Retire to ?

A friend of ours is moving to Bonair. She said as soon as her residency is accepted she gets her residency card and her health-care is free. Never been there but the island looks pretty nice.
by sixtyforty
Tue Jan 23, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5924

Re: Which tropical Island to Retire to ?

Do peninsulas count? Picking up on what RadAudit wrote, I would look at Iberia: Portugal and Spain. European infrastructure, amenities, and health care. The climate of the French Riviera, with an abundance of blue flag beaches (clean water, well maintained). Abundant fresh produce and fruit. Medite...
by sixtyforty
Tue Jan 23, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5924

Which tropical Island to Retire to ?

Anyone here retired or thinking of retiring to a tropical island/Beach community etc ? How do you like it ? What is healthcare like ?
by sixtyforty
Wed Jan 10, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 84
Views: 13452

Re: New mattress

Loom and Leaf makes a great mattress. Delivery service is top notch. No off gassing as it comes delivered fully expanded unlike other companies which deliver in a box. Very hot sleeper and the mattress stays cool. It has kept its shape and firmness over last 2 years. Highly recommend it. +1. We rea...
by sixtyforty
Tue Jan 09, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA [Should my wife take COBRA coverage?]
Replies: 20
Views: 1978

Re: COBRA

I guess it depends on which state you are in, but why not look at ACA ? There is a good chance you would qualify for subsidies especially if you are out of work. Why would one choose COBRA over ACA ?