Search found 172 matches

by peetsperk
Wed Jun 12, 2019 11:25 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4817

Re: Gillette Fusion razors

I don't buy Gillette products. Better options available.
by peetsperk
Tue Jun 11, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Home Loan from Parents
Replies: 38
Views: 4399

Re: Home Loan from Parents

As long as they hold your mortgage, Thanksgiving dinner is not going to taste nearly as good.
by peetsperk
Tue Jun 11, 2019 11:46 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34497

Re: Roll Call for the Retirement Class of 2019!

jimmyq congratulations on successfully managing your finances in such a way that makes this is possible. That's called turning lemons into lemonade! You should be proud. Enjoy your early retirement!
by peetsperk
Thu Jun 06, 2019 12:46 pm
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor Larimore!
Replies: 49
Views: 5954

Re: Thank you, Taylor Larimore!

Thank you Taylor for your service. For my fellow Bogleheads, if you have not seen the attached Youtube video, it is well worth 6 minutes of your time. It shows the number of American soldiers who have given their lives on distant shores including Normandy. It's staggering. The accompanying music is ...
by peetsperk
Tue Jun 04, 2019 9:15 pm
Forum: Personal Investments
Topic: Boglehead Insight Needed on Retirement Readiness
Replies: 14
Views: 2430

Re: Boglehead Insight Needed on Retirement Readiness

Spend some more time analyzing the survivor’s finances when one of you dies — particularly if it happens early in retirement. The investments stay the same, but the smaller Social Security benefit disappears and pension income will be reduced too. The survivor’s expenses will decline to some extent...
by peetsperk
Tue Jun 04, 2019 3:28 pm
Forum: Personal Investments
Topic: Boglehead Insight Needed on Retirement Readiness
Replies: 14
Views: 2430

Re: Boglehead Insight Needed on Retirement Readiness

2. For her Ohio pension, which option makes the better financial sense? I presume she would not start this pension before retiring, insofar as the benefit increases a bit each year of delay. You don't say, but I presume the two of you will live off her earnings and her health insurance until she re...
by peetsperk
Mon Jun 03, 2019 11:54 pm
Forum: Personal Investments
Topic: Boglehead Insight Needed on Retirement Readiness
Replies: 14
Views: 2430

Re: Boglehead Insight Needed on Retirement Readiness

Debt: No debt of any kind (no mortgage, school loans, car loans or credit cards) Does this mean that you have a paid off house or that you rent? If you have a paid off house how much is it worth? If you rent you may want to consider buying a house or condo to reduce your monthly expenses. color=#00...
by peetsperk
Mon Jun 03, 2019 11:09 pm
Forum: Personal Investments
Topic: Boglehead Insight Needed on Retirement Readiness
Replies: 14
Views: 2430

Re: Boglehead Insight Needed on Retirement Readiness

1. For his corporate pension, which option makes the better financial sense? Actuarially, it seems that you have already determined that the delayed option is the best in financial terms. The problem is, that assumption is based on actuarially life expectancy (which would have you living to early t...
by peetsperk
Mon Jun 03, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6441

Re: What do business pros wear on redeye Business Class flights

What time are you landing and where are you going once you land? For many years I regularly flew from either New York or Pittsburgh to London. We would depart in the evening and land early the next morning when it was time to go to work. I dressed in business attire appropriate for our London office...
by peetsperk
Sun Jun 02, 2019 10:59 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34497

Re: Roll Call for the Retirement Class of 2019!

Congratulations to dknightd on your retirement. Best of luck! Also wanted to welcome Punta Cana DR to our Retirement Class of 2019. September is just around the corner. Can"t wait!
by peetsperk
Sat Jun 01, 2019 9:52 pm
Forum: Personal Investments
Topic: Boglehead Insight Needed on Retirement Readiness
Replies: 14
Views: 2430

Re: Boglehead Insight Needed on Retirement Readiness

Are there other thoughts or considerations we’re missing? Did wife's work in the pubic sector involve paying also into Social Security at the same time she earned her pensions? If not, her Social Security may subject to the WEP (Windfall Elimination Provision), which lowers the amount of her benefi...
by peetsperk
Sat Jun 01, 2019 9:04 pm
Forum: Personal Investments
Topic: Boglehead Insight Needed on Retirement Readiness
Replies: 14
Views: 2430

Re: Boglehead Insight Needed on Retirement Readiness

Flobes: Teachers in Ohio (at least when we lived there in the '80s) and Iowa contribute both to Social Security and their pension.
by peetsperk
Sat Jun 01, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: Discover Identity Theft Protection - $15/month
Replies: 13
Views: 967

Re: Discover Identity Theft Protection - $15/month

If you are alerted by Discover that someone is trying to steal your identity, what are you going to do to stop them? I believe many would freeze their credit immediately. So, why not just do it now? You save the $15 per month and you can sleep at night knowing you are protected.
by peetsperk
Sat Jun 01, 2019 8:33 pm
Forum: Personal Investments
Topic: Delay Social Security?
Replies: 35
Views: 3339

Re: Delay Social Security?

DKD: Two things. First, I think the lost revenue from delaying Social Security is among the most often cited reasons why people take Social Security early. If you want to research your specific situation, Mike Piper has developed a great tool that will answer your question. It's called Open Social S...
by peetsperk
Sat Jun 01, 2019 8:16 pm
Forum: Personal Investments
Topic: Boglehead Insight Needed on Retirement Readiness
Replies: 14
Views: 2430

Re: Boglehead Insight Needed on Retirement Readiness

Tyler Aspect: Thank you for taking the time to review. I appreciate your insight.
by peetsperk
Sat Jun 01, 2019 10:29 am
Forum: Personal Investments
Topic: Boglehead Insight Needed on Retirement Readiness
Replies: 14
Views: 2430

Boglehead Insight Needed on Retirement Readiness

I need some insight from my fellow Bogleheads on our overall retirement readiness, as well as which pension options are best. First, some background. I’m a few months shy of 62 and would like to retire this September. My wife will turn 60 later this year and she would like to teach for two more year...
by peetsperk
Sun May 26, 2019 9:30 pm
Forum: US Chapters
Topic: Retiredjg at 36,000 posts!
Replies: 34
Views: 2346

Re: Retiredjg at 36,000 posts!

Thanks retiredjg! The Boglehead forum has been built by people like you who put service to others above themselves. We appreciate your knowledge and the time you dedicate to those who seek your help.
by peetsperk
Sun May 19, 2019 10:48 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34497

Re: Roll Call for the Retirement Class of 2019!

Congratulations on your retirement sf64. Monday morning should feel very different tomorrow. I look forward to joining you in 4 months. Best regards.
by peetsperk
Fri May 10, 2019 1:34 am
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 10647

Re: What is your U.S./ex-U.S. stock allocation?

75% U.S. / 25% International
by peetsperk
Wed May 01, 2019 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Unable to create account on ssa.gov
Replies: 15
Views: 1139

Re: Unable to create account on ssa.gov

Sophie1 - you are not alone. I had already established Social Security accounts on-line for both my wife and myself approximately 4 years ago. The problems began when they decided to add another level of authentification to sign-in to your SS account. This sounds great in theory, but in practice has...
by peetsperk
Mon Apr 29, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Income Cushion
Replies: 10
Views: 1207

Re: Retirement Income Cushion

Do your pensions have survivor options of 50%, 75% and 100%?
by peetsperk
Fri Apr 26, 2019 4:36 pm
Forum: Personal Investments
Topic: New and looking for Retirement suggestions
Replies: 17
Views: 2139

Re: New and looking for Retirement suggestions

Welcome to the forum Surlybee. My wife and I went through Financial Peace in 2012. Like you, we had very little debt at that time. Instead, our focus was on how to save extra as we approached retirement. It helped us in many ways to exceed our goals and we will both be retiring soon. Regarding Finan...
by peetsperk
Fri Apr 26, 2019 1:07 am
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 35
Views: 3326

Re: Teeth Whitening

I thought medical issues were forbidden here. When did food staining become a medical issue? It’s stain lifting. When state boards began regulating these services. Whitening toothpaste and teeth whiteners are all regulated by the FDA as drugs. They are no different than nonprescription pain relieve...
by peetsperk
Wed Apr 24, 2019 9:52 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 15115

Re: Dump international?

onourway wrote:
Wed Apr 24, 2019 10:23 am
The point of diversifying investments has never been to maximize returns.
For me, onourway hit the nail on the head.
+1
by peetsperk
Wed Apr 24, 2019 10:54 am
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 84
Views: 7314

Re: Close Vanguard and go all in with Fidelity?

For me the decision is simple. From Vanguard's start in 1975, it was founded on a " simple but revolutionary idea-that a mutual fund company should not have outside owners. Founder John C. Bogle structured Vanguard as a client-owned mutual fund company with no outside owners seeking profits. Client-...
by peetsperk
Tue Apr 23, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Spouse On Board With Saving
Replies: 41
Views: 3983

Re: Getting Spouse On Board With Saving

diggs14 you said "Dave Ramsey would probably be great for the spouse. I just struggle with someone who recommends advisors that place clients in A-share mutual funds, disregards the benefits of credit card usage, and solves all his financial math with an unrealistic 12-14% return numbers." There are...
by peetsperk
Tue Apr 23, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Getting Spouse On Board With Saving
Replies: 41
Views: 3983

Re: Getting Spouse On Board With Saving

A few thoughts. You and your spouse do not currently share the same goals and dreams. That's ok, but working together toward common goals can be very fulfilling. Together, my wife and I went through Dave Ramsey's Final Peace University in 2012 and it was one of the best things we've ever done. We sh...
by peetsperk
Sat Apr 20, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 190
Views: 15487

Re: How much do you spend on food per month, per person?

Our monthly food budget is $525 for two so that's $262.50 per person.
by peetsperk
Tue Apr 16, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 12183

Re: What Are Your Simple Pleasures?

Peet's Major Dickason's Coffee
by peetsperk
Mon Apr 15, 2019 8:20 am
Forum: Investing - Theory, News & General
Topic: Financial Priorities - List
Replies: 19
Views: 1867

Re: Financial Priorities - List

Paisley: You mentioned in your post you came across this list. Can you tell us who the source was? I’m curious if it was someone in the financial services or insurance business. My list would be very different. Among the most important omissions is a budget.
by peetsperk
Tue Mar 12, 2019 12:28 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34497

Re: Roll Call for the Retirement Class of 2019!

Gave my boss notice today of my pending September retirement. He was the first person other than my wife and adult children to know. It felt like a tremendous weight was lifted off my shoulders. What a nice way to start a new week. :happy
by peetsperk
Wed Mar 06, 2019 1:00 am
Forum: Personal Investments
Topic: 6% per year. Guaranteed??
Replies: 25
Views: 3115

Re: 6% per year. Guaranteed??

ohboy!, you ask a question and then it appears you want to question anyone with a point-of-view that does not necessarily support the concept. As an observer, it looks to me like you have bought the concept hook, line and sinker. Reel him in boys!
by peetsperk
Tue Feb 26, 2019 2:24 am
Forum: Personal Investments
Topic: Vanguard platform is a mess ... UX-wise [User eXperience]
Replies: 69
Views: 5759

Re: Vanguard platform is a mess ... UX-wise

Or possibly have the money in your account when you make a purchase.
by peetsperk
Thu Feb 14, 2019 9:01 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34497

Re: Roll Call for the Retirement Class of 2019!

Congratulations falconsfan! Here's hoping you have a long and very happy retirement.
by peetsperk
Fri Feb 01, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 10348

Re: Were you 100% debt free at retirement

Will retire later this year and have been debt free since 2014.
by peetsperk
Sat Jan 26, 2019 5:45 pm
Forum: Investing - Theory, News & General
Topic: Emergency Fund
Replies: 24
Views: 2393

Re: Emergency Fund

Emergency Fund equal to 6 months of expenses
50% held in credit union savings account
50% in Vanguard LifeStrategy Income Fund
by peetsperk
Wed Jan 23, 2019 5:16 pm
Forum: Personal Investments
Topic: Marketwatch - If everyone invested like John Bogle, markets couldn’t work right
Replies: 54
Views: 3518

Re: Marketwatch - If everyone invested like John Bogle, markets couldn’t work right

Is this not true of everything or almost everything? What on this earth would work right if everybody did it?
by peetsperk
Wed Jan 23, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife
Replies: 65
Views: 2812

Re: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife

First, this might require some homework on your part. You need to check coverage in your area for different carrier options. Once you have narrowed the list to those that provide good coverage in your area, next you need to decide if you’re bringing your current phones or replacing them. This decisi...
by peetsperk
Wed Jan 16, 2019 11:43 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 51505

Re: John Bogle has died at age 89

Thanks for everything Jack. You changed my life. You changed my family's life. You are my hero. Your job is done, but your legacy will on. Rest in peace.
by peetsperk
Sat Dec 22, 2018 4:23 pm
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 11711

Re: My Christmas Present To You

Merry Christmas Taylor to you and yours.
by peetsperk
Fri Dec 14, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 80
Views: 5641

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

I’m compelled to weigh-in on this sanitary discussion. First, as a marketing professional who lived in Cincinnati, I can tell you P&G likes to sell air and water whenever possible. You may have been told the “quilted pillows” on bathroom tissue or paper towels were for softness or absorbency, but th...
by peetsperk
Sat Dec 08, 2018 11:18 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7548

Re: "The 10 Worst Places To Get Investing Advice"

16. Dave Ramsey and his Endorsed Local Providers now known as Smartvestors - Dave is great when it comes to budgets and helping people save more for retirement. He helped us save more than we ever dreamed. But his investment ELP's love to sell funds with both front-end and/or back-end loads. If Dave...
by peetsperk
Fri Nov 30, 2018 12:47 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4842

Re: How do Bogleheads justify taking vacation?

All work and no play makes AndroAsc a dull boy.
by peetsperk
Tue Nov 20, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: Inflation
Replies: 27
Views: 2833

Re: Inflation

Anyone who regularly purchases groceries can attest to the frequent practice of many manufacturers to reduce package sizes while maintaining current pricing levels. One only needs to look at Frito Lay chips, Nabisco crackers or Kellogg's cereals to see examples of this common marketing practice. Que...
by peetsperk
Tue Nov 06, 2018 12:35 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34497

Re: Roll Call for the Retirement Class of 2019!

Count me in as another 62 year old member of the Jan 15 club! Many thanks to the Bogleheads who helped me clarify my thinking and validate that I really can do this - those who responded directly to my questions and the many more who posted invaluable resources here for me to learn from. I am in yo...
by peetsperk
Wed Oct 31, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1755

Re: Anybody use CenturyLink for internet service?

We use Centurylink just for internet access. Have been paying $49.99 (including tax). Service is ok and we have no data cap that I'm aware of. We currently utilize Hulu with Live TV in addition to Netflix and have occasional buffering issues. I stay with Centurylink because we have no other reasonab...
by peetsperk
Tue Oct 30, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: Should we discourage the bond tent?
Replies: 148
Views: 12344

Re: Should we discourage the bond tent?

1) I don't think we should "encourage" or "discourage" the use of anything unless there's really clear or compelling evidence. Pretty much nothing about retirement savings glide paths is clear or compelling. The data since 1926 only gives us three non-overlapping thirty-year periods to look at, and...
by peetsperk
Sun Oct 28, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: Are you too wealthy for a LIQUID emergency fund?
Replies: 29
Views: 5129

Re: Are you too wealthy for a LIQUID emergency fund?

Are you too wealthy for a LIQUID emergency fund? No, we are not. We keep an Emergency Fund equal to 6-months of expenses. Three months is kept in a savings account and three months is kept in LifeStrategy Income Fund and can be accessed within 3 days. And, we only spend it on an emergency - an unex...