Search found 5168 matches

by itstoomuch
Sat Feb 17, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 67
Views: 2632

Re: Best plants to grow to save money for food costs

As a past farmer, sometimes it is cheaper to buy to than to grow. :mrgreen: :moneybag
by itstoomuch
Sat Feb 17, 2018 7:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 382
Views: 37129

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

FYI, a UN that I used on CollegeConfidential, when DS was attending the most expensive college in the USA. :oops:
by itstoomuch
Sat Feb 17, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 67
Views: 2632

Re: Best plants to grow to save money for food costs

Something that might be fun is foraging for wild plants, nuts, fruits in your area that you can use in your meals and snacks. Wild rape/mustard is nearing its peak season now in the PNW. As for the nuts and fruits. most people get turned off with fly larvae. Also greening, dock, dandelion, watercre...
by itstoomuch
Sat Feb 17, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 2815

Re: Rant about relocation mortgage assistance, and a question

I see 133k that guarantees their inheritance.
An equalizying algorithm for individual contribution for ability to pay. The oldest had more time to accumulate and had the benefit of first call on parents' efforts
:oops: ymmv :dollar
by itstoomuch
Sat Feb 17, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 2815

Re: Rant about relocation mortgage assistance, and a question

Older Bro and family is visiting for the last time to see 98yo father. Still works for BigBank. "monitored employee". He got killed in the Great Recession in that he eventually saw what was happening in 2007 and couldn't do anything about it. I think it is a wise idea to sell equities to finance the...
by itstoomuch
Sat Feb 17, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 73
Views: 5298

Re: Retirees: The common sense withdrawal method

Common Sense works for me.

Personally ( :oops: :annoyed ) , a SWR is like a New Year's Resolution, Love, and maybe the Weather. It's only accurate at the moment and less predictable the further out in time :mrgreen:
by itstoomuch
Sat Feb 17, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 219
Views: 13269

Re: free dinner investing seminar

^ :annoyed
Moving to a place with a lot of high paid techies who think they know everything. :oops
All of our current neighbors are in their 60-70, as we are. The neighborhood is again changing to a younger generation. :o
by itstoomuch
Fri Feb 16, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 219
Views: 13269

Re: free dinner investing seminar

I can't believe how uptight you folks are. Do you think that you will be locked in a room and held hostage until you agree to meet with the salesperson? I have been receiving these invites every few months after I turned 60. I get them from attorneys, annuity agents, funeral homes. My wife and I go...
by itstoomuch
Fri Feb 16, 2018 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 219
Views: 13269

Re: free dinner investing seminar

I can't believe how uptight you folks are. Do you think that you will be locked in a room and held hostage until you agree to meet with the salesperson? I have been receiving these invites every few months after I turned 60. I get them from attorneys, annuity agents, funeral homes. My wife and I go...
by itstoomuch
Fri Feb 16, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 2815

Re: Rant about relocation mortgage assistance, and a question

Side bar: we are one week to closing. New Build. We are apparently good on our side of the transaction and vetted. Mortgage Company just can't seem to get the verification of title on our target TH (3 TH built on 1 lot). Mortgage company discovered today that the lot has not been subdivided for the ...
by itstoomuch
Fri Feb 16, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 73
Views: 5298

Re: Retirees: The common sense withdrawal method

YMMV. YvehiclesMV. We use a FundingRatio (FR). Expenses = Income. Our Income is determined what the vehicle provides: Recurring: SS pays something. Pension pays something. None asset based. Mostly Recurring, Discounted: Rental Income. About 3-6% ROI depending on vacancies. To Be Recurring and Mostly...
by itstoomuch
Fri Feb 16, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 2815

Re: Rant about relocation mortgage assistance, and a question

Underwriter for mortgage (conforming) wanted to know why and outcome of a "disputed credit card". I had to give them a signed explanation that, I forgot why. The Card was apparently Opened in 2006 and Closed in 2008. There were no outstanding credit balances in the ~24 months. Credit report only rep...
by itstoomuch
Fri Feb 16, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Just wondering if you do this...
Replies: 10
Views: 1651

Re: Just wondering if you do this...

Yes, sorta. All assets are now retirement assets. Have positioned 90%+ of assets for Income and for pass forward.
RE for the purpose of rental income, then for pass forward assets to heir, then for diversification.
Individual stocks/indexes. Pure Discretionary. < 10% of Retirement/total assets.
YMMV
by itstoomuch
Thu Feb 15, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 2815

Re: Rant about relocation mortgage assistance, and a question

Anyway, we are done with the mortgage company. We are going to pay cash. We have sold enough in our taxable account to leave us $600k short of the total cost of the house. That generated some capital gains, but the next tranche of sales will be more painful. I don't mind resetting the basis, in pri...
by itstoomuch
Thu Feb 15, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 2815

Re: Rant about relocation mortgage assistance, and a question

TomatoTomatoe. BTDT, 3x. Hopefully we will close next week on a place with 50% Down. Seattle. A 1031. Lenders think we are going to walk away from a 50% down? Try buying a house when you and spouse are in retirement. They insist that a convention loan is the best deal. Conforming will count future/e...
by itstoomuch
Thu Feb 15, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Trad IRA or Roth IRA
Replies: 10
Views: 731

Re: Trad IRA or Roth IRA

linguista57 wrote:
Thu Feb 15, 2018 1:55 am
itstoomuch wrote:
Wed Feb 14, 2018 9:54 pm
Have you ever thought about, taxables?
Not sure i understand the questions...?
what do you mean by taxables?
Taxables, as in other than tax deferred qualified but used as part of long-term retirement planning.
Ymmv
by itstoomuch
Thu Feb 15, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 40
Views: 4831

Re: How many of you use the "4% rule" during retirement?

No.
Almost all of our retirement has been converted to Income vehicles:
SS, Pension, GLWB Annuities, rentals.
Ymmv
by itstoomuch
Wed Feb 14, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Trad IRA or Roth IRA
Replies: 10
Views: 731

Re: Trad IRA or Roth IRA

Have you ever thought about, taxables?
by itstoomuch
Wed Feb 14, 2018 9:42 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 124
Views: 6276

Re: philosophicaleconomics predicts 4% real equity returns

Even, Bogle, warns of nominal ~6%, Real ~4%.
Lots of others. Not a big deal.
Deal with the cycles.
YMMV,
by itstoomuch
Wed Feb 14, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 219
Views: 13269

Re: free dinner investing seminar

I do. :oops:
Loaded with vitamins. Its in V8.
A quality restaurant washes the Parsley. A cheap one doesn't and you may get grit. Which is why I avoid hotel food.
YMMV
by itstoomuch
Wed Feb 14, 2018 7:40 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 103
Views: 8183

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

Never give advice to anyone. (I think) I am not going to give away what I paid for in experience and worries. :annoyed Besides I have an FA that I paid good money for :annoyed The FA thinks that I am too conservative :?: . Most BH would think I am too aggressive :?: And my Older Bro thinks that I sh...
by itstoomuch
Wed Feb 14, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 155
Views: 10095

Re: Did you learn anything from the market correction?

^malbecman,
Certainly beats the Amusement Park rides :annoyed
Immediate target is enough gains to pay for my trip to China-Japan. If all goes well, maybe Friday? :annoyed
by itstoomuch
Wed Feb 14, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 219
Views: 13269

Re: free dinner investing seminar

^ We did buy the annuities (8), the LTCi (2), and the Estate Planning (1). Didn't attend no dinners either. I was never solicited. Bunch of wimpy salespeople.
These are complicated financial products (insurance) and you may or may not need these things.

BTW, who is the best salesperson?
by itstoomuch
Wed Feb 14, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 155
Views: 10095

Re: Did you learn anything from the market correction?

^ You mean to say that its, "going to rain tomorrow in Oregon?" and that we oughta be prepared for the deluge? :oops:
Details at 5. :annoyed
by itstoomuch
Wed Feb 14, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 124
Views: 6276

Re: philosophicaleconomics predicts 4% real equity returns

Personally, I think he has it in reverse.
The egg and the chicken or is it, The chicken and the egg? Which came first?
by itstoomuch
Wed Feb 14, 2018 6:17 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 124
Views: 6276

Re: philosophicaleconomics predicts 4% real equity returns

Rental real estate, here I come We are settling for 3-4% ROI; Hoping to gain on depreciation for tax purposes for another 1%. A longterm hold. Jeez, depending on how that's being calculated, that sounds like its time to sell! Where is that? Seattle. :oops: :P the ROI and cap rate is relatively low ...
by itstoomuch
Wed Feb 14, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 124
Views: 6276

Re: philosophicaleconomics predicts 4% real equity returns

Bwlonge wrote:
Wed Feb 14, 2018 2:19 pm
Rental real estate, here I come
We are settling for 3-4% ROI; Hoping to gain on depreciation for tax purposes for another 1%. A longterm hold.
by itstoomuch
Wed Feb 14, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: philosophicaleconomics predicts 4% real equity returns
Replies: 124
Views: 6276

Re: philosophicaleconomics predicts 4% real equity returns

I hedged into different asset buckets :mrgreen:
YMMV
by itstoomuch
Wed Feb 14, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 219
Views: 13269

Re: free dinner investing seminar

I've had a few clients that attended one of these dinners and they peaked their interest in guaranteeing lifetime income, this is what most dinners are talking about that I have witnessed. I ask them for the information and then show them what immediate annuities offer, always better. That being sa...
by itstoomuch
Wed Feb 14, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 155
Views: 10095

Re: Did you learn anything from the market correction?

Have a cash hoard.
Buy low, sell high.
New high today on my Discretionary. Trying to rebalance to more cash.
YMMV :dollar
by itstoomuch
Wed Feb 14, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: annuity vs. decumulation: apples to apples comparisons?
Replies: 26
Views: 1900

Re: annuity vs. decumulation: apples to apples comparisons?

I'm interested in any and all information that shines light on the variables in this key decision that it seems most of us are faced with: whether to (fully or partially) annuitize. JMO. Annuities are insurance products. Sometimes you get more than you put in. Sometimes not. You are sharing the ris...
by itstoomuch
Wed Feb 14, 2018 2:35 am
Forum: Investing - Theory, News & General
Topic: Derivative Danger
Replies: 4
Views: 478

Re: Derivative Danger

Believable :oops:
The Market is now concentrated in Indexes.
The Index is a derivative.
Entities trade in the Derivatives of the Derivative Index.
:oops: :confused
by itstoomuch
Tue Feb 13, 2018 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19279

Re: I bought a stock today - Redfin (RDFN)

^why, Alibaba (BABA), of course. One could afford a round lot with BABA. Less so with AMZN. But they hardly seem to be moving in similar ways in the short amount of data we have... wheras the index funds have moved similarly for a long period of time. I thought you wanted to keep similar/complement...
by itstoomuch
Tue Feb 13, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 69
Views: 5505

Re: What if you only live off dividends?

You can live off of dividends and interest if: 1. Your expenses are very very low. 2. You have substantial alternative income streams. IE: SS, Pension, Rentals, etc. 3. Your portfolio is humungous :shock: (technical term). j :D we could get by on #1. we could do better on #2. SS+small pension+annui...
by itstoomuch
Tue Feb 13, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19279

Re: I bought a stock today - Redfin (RDFN)

^why, Alibaba (BABA), of course.
One could afford a round lot with BABA. Less so with AMZN.
by itstoomuch
Tue Feb 13, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 155
Views: 10095

Re: Did you learn anything from the market correction?

IntraDay volatility seems to be getting higher.
InterDay volatility seems to be moderating.
Something else to worry about, eh? :( :annoyed :mrgreen:
by itstoomuch
Tue Feb 13, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 155
Views: 10095

Re: Did you learn anything from the market correction?

My Discretionary trading acct held up well. Even added more shares. Our exposure to the equity/bond markets is limited to just these Discretionary Accts, Less than 10% of NW. RE ignores this stuff. Perhaps because the transaction costs and hassle to prep for moving people into/outof or taking the re...
by itstoomuch
Tue Feb 13, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Savvy Condo or Investor Savvy House?
Replies: 2
Views: 248

Re: Financial Savvy Condo or Investor Savvy House?

How do the other condos look like?
Are need of repairs too?
What is the HOA?
Is the HOA board congenial or contentious?
YMMV
by itstoomuch
Tue Feb 13, 2018 2:05 am
Forum: Investing - Help with Personal Investments
Topic: Buy or Rent under new Tax Law
Replies: 20
Views: 1679

Re: Buy or Rent under new Tax Law

rent. Seattle region.
We recently had to buy because of a 1031 transaction. The renters will be getting a fantastic value in a new build, minisplit-hotwater heated floors. 360 views. We will make 3% ROI. stinks but we are looking at the long view of 20 years.
by itstoomuch
Mon Feb 12, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: SWR — Can You Include Real Estate as Part of Your Portfolio
Replies: 24
Views: 1303

Re: SWR — Can You Include Real Estate as Part of Your Portfolio

I don't count the value of home. Our home value will increase when we move from MCOL to HCOL area. Our home and rentals have a Market Value that is meaningless to us but meaningful to Lenders and to the taxman. I count the rentals for ROI or CapRate for Income Value. Our son can count his inheritanc...
by itstoomuch
Mon Feb 12, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19279

Re: I bought a stock today - Redfin (RDFN)

I sure like to know where and how some BH can TLH?
What in heck did they buy and sell in their taxables?
by itstoomuch
Mon Feb 12, 2018 8:48 pm
Forum: Investing - Theory, News & General
Topic: Deferred Income Annuity
Replies: 10
Views: 903

Re: Deferred Income Annuity

It's too early for you to think about this.
If you are worried, buy laddered CD's until you are closer to retirement.
by itstoomuch
Mon Feb 12, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Index Annuities
Replies: 22
Views: 1368

Re: Fixed Index Annuities

Is anyone familiar with FIA's? I am 65 and retired. I will begin ss at age 70 but that will not cover all my expenses . It was suggested that I buy an FIA to cover the gap between my ss and expenses. I am single with high 6 digit portfolio about 2/3 in retirement accounts and remaining 1/3 in cash ...
by itstoomuch
Mon Feb 12, 2018 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Index Annuities
Replies: 22
Views: 1368

~

More: Fall 2012, this is what Contract said: 5% guaranteed growth, compounding for 15 years on Income Acct. Hold for 5years and age 70 (our RMD), Income derived from Income Acct =6.5% Survivor's benefit of remainder of Accumulation account, if any. ~3.5% total fees, 7 year surrender period. This is ...
by itstoomuch
Mon Feb 12, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Index Annuities
Replies: 22
Views: 1368

Re: Fixed Index Annuities

HomerJ, is essentially correct There's more to it though. Disclaimer: FIa since 2012. Saw maybe a dozen presentation s from FA, annuity salespeople, bank reps, & other FAs. Thery are complicated, more so than GLWB VAs. See this thread: Annuity vs. decumulation: apples to apples comparisons? FIa fit ...