Search found 53 matches

by eastwayroad
Fri Jul 27, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Declining Years
Replies: 22
Views: 4838

Declining Years

I'm 66, married with no kids. Stopped working 2 years ago with enough assets for a reasonably comfortable retirement. Always been a DIY investor & long-time Boglehead. So far, so good. However, time will eventually take it's toll. Is anyone else concerned about decline in the capacity for good finan...
by eastwayroad
Mon Apr 23, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 121
Views: 9574

Re: Vanguard Web Site Down?

Still down
by eastwayroad
Wed Apr 11, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Medical Records
Replies: 21
Views: 1640

Re: Medical Records

Thanks all for the helpful responses. I was pretty worked up about the situation but since calmed down. His practice was a one man operation so no partners to contact. I just sent off a brief, non threatening letter to his last address requesting access to my records. I’ll give it some time for a re...
by eastwayroad
Wed Apr 11, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Medical Records
Replies: 21
Views: 1640

Medical Records

My long-time primary care doctor has been on medical leave for several months and now appears to have shut down his practice indefinitely. His office is closed and phone out of service. No response to my emails. What recourse do I have for getting my records? Does he have legal responsibilities in t...
by eastwayroad
Mon Apr 09, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Regrets of the frugal and dying?
Replies: 62
Views: 9742

Re: Regrets of the frugal and dying?

Reminds me of a favorite New Yorker cartoon....
https://www.art.com/products/p150632451 ... artoon.htm
by eastwayroad
Wed Mar 21, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 142
Views: 15052

Re: What have you baked recently?

My weekly go-to loaf is an 85% rye bread made with a rye starter, no added yeast.
Baked in a pullman pan, slices nicely for my morning toast.
by eastwayroad
Mon Mar 12, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Morocco Travel
Replies: 10
Views: 1127

Re: Morocco Travel

Looking for specific recommendations; destinations, places to stay, using the trains.
And the advisability of using local guides throughout & best way to engage one.
We've done a lot of independent travel and always go off on our own, but maybe not this time.

thanks
by eastwayroad
Mon Mar 12, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Morocco Travel
Replies: 10
Views: 1127

Morocco Travel

Thinking about a trip to Morocco this year.
Anyone have advice from recent experience there?
by eastwayroad
Sun Jan 14, 2018 12:11 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 30175

Re: Hitting The Sell Button

66 yrs with a 50% equity AA that's inched up to 55% since 2015 retirement.
I just took advantage of the continued upswing by donating a good chunk of appreciated ETF shares into my Fidelity DAF.
by eastwayroad
Thu Aug 24, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 116
Views: 13857

Re: Non-fiction bucket list

"How to Live - Or a Life of Montaigne" by Sarah Bakewell A book that introduced me to this extraordinary 16th century thinker and essayist. Has had a lasting impact on how I look at the world. "Sapiens - A Brief History of Humankind" by Yuval Harari Smart and entertaining story of what makes us human.
by eastwayroad
Thu May 25, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Carpet Cleaning Rental
Replies: 7
Views: 922

Re: Carpet Cleaning Rental

Thanks all for the excellent feedback
by eastwayroad
Thu May 25, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Carpet Cleaning Rental
Replies: 7
Views: 922

Carpet Cleaning Rental

My local supermarket rents out carpet cleaning machines- anyone have experience using these?
by eastwayroad
Mon Mar 06, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Sonos Wireless sound?
Replies: 19
Views: 2578

Re: Sonos Wireless sound?

Love my Sonos Play 5. It brought me back into active music listening after years of neglect- and gave away all my older audio equipment.
I too am a Classical listener and use our excellent local public library to borrow cd's for import into the system.
by eastwayroad
Mon Mar 06, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 5883

Re: Where do you order checks from?

As a long-time Quicken user I still order printer-compatible checks directly from Intuit.
No doubt cheaper elsewhere but I write so few checks these days it hardly matters.
by eastwayroad
Wed Sep 28, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: Question For Boglehead Coffee Roasters
Replies: 8
Views: 922

Re: Question For Boglehead Coffee Roasters

LifeIsGood wrote:The Behmor roaster was on my radar. Did you get the upgraded control panel? I'm quite familiar with Sweet Marias and Burman for coffee related stuff.
I have the 1600 plus which has upgraded panel built in.
by eastwayroad
Wed Sep 28, 2016 5:53 am
Forum: Personal Consumer Issues
Topic: Question For Boglehead Coffee Roasters
Replies: 8
Views: 922

Re: Question For Boglehead Coffee Roasters

I've been home roasting for a couple of years now with a Behmor 1600+ At around $370 it's for home use only. https://www.sweetmarias.com/product/behmor-1600-plus For me it gets the job done with good results roasting 300 gr at a time. I highly recommend the Sweet Maria site (above) which you may alr...
by eastwayroad
Sat Aug 06, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Personal Decline & Investing
Replies: 12
Views: 2248

Personal Decline & Investing

I wonder how other folks here in their 60's, 70's and beyond have thought about continuing to self manage one's money with (possible) future mental decline. I've worked to simplify my investments now that I've hit 65, but going forward there will always be decisions to make, actions to take. And wit...
by eastwayroad
Thu Aug 04, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Income the year before Medicare
Replies: 11
Views: 1512

Re: Income the year before Medicare

Is the additional premium waived if you have subsequently retired and currently have zero earned income?
I stopped working Dec 31 2015 and will be filing for Medicare this October.
by eastwayroad
Fri Jul 22, 2016 1:35 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation/Trust Income
Replies: 6
Views: 763

Re: Asset Allocation/Trust Income

As the OP, given the feedback above I'll keep it simple and not include the trust in the AA. The income, in the form of a monthly check, does fluctuate based on market conditions. Steady but not guaranteed. As suggested, might allow for a slight tilt toward risk in the rest of the portfolio. thanks ...
by eastwayroad
Thu Jul 21, 2016 8:16 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation/Trust Income
Replies: 6
Views: 763

Asset Allocation/Trust Income

When calculating one's asset allocation across multiple accounts how would you factor in the value of an inherited irrevocable trust? The trust generates monthly lifetime income but the principal cannot be touched. In perhaps a similar vein, do folks include social security benefits in their fixed i...
by eastwayroad
Fri Jul 08, 2016 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken
Replies: 33
Views: 3291

Re: Quicken

I have an. apple macbook air and don't want to futz with creating a separate partition and running windows. The macbook has 4 gig of memory. So am wondering about purchase of a something really inexpensive for just quicken. Long-time Quicken user here running Windows version 2016 on a Mac via Paral...
by eastwayroad
Sun Jun 05, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trusts
Replies: 30
Views: 2913

Re: Living Trusts

OP, I'm guessing that you may not be aware that bsteiner is Boglehead's go-to expert on estate planning. Take his advice, find another law firm and use his comments to help you evaluate what they offer. I was aware, based on his prior posts, and sent him a PM earlier today. Thanks to all for the us...
by eastwayroad
Sat Jun 04, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Living Trusts
Replies: 30
Views: 2913

Re: Living Trusts

It's difficult to tell from the limited facts whether this arrangement is appropriate, but it appears you are dealing with a skilled trusts and estates attorney. Your situation also appears somewhat complicated and likely there were sound reasons for recommending a RLT. I'm a bit puzzled by the irr...
by eastwayroad
Sat Jun 04, 2016 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Living Trusts
Replies: 30
Views: 2913

Living Trusts

My wife and I recently met with an estate/elder law attorney who has suggested setting up living trusts vs wills only. Both in our mid-sixties, married late. All our finances are separate as are the homes we each own. No kids, no prior marriages. Combined investment assets plus homes = $5 million. N...
by eastwayroad
Wed May 18, 2016 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawals
Replies: 14
Views: 1490

Re: Withdrawals

Just to clarify, dividends taken as cash aren't "withdrawals" until the money is actually spent?
by eastwayroad
Wed May 18, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawals
Replies: 14
Views: 1490

Withdrawals

Sorry if this is a dumb question...
"Withdrawals" in retirement simply mean spending?
And that dividends, whether taken as cash or reinvested are not part of the equation when calculating withdrawal rate
by eastwayroad
Sat May 14, 2016 6:17 am
Forum: Personal Finance (Not Investing)
Topic: What was your hardest retirement transition?
Replies: 61
Views: 11670

Re: What was your hardest retirement transition?

Retired 4 months now and I identify with many of the above issues & concerns. I'll add this to the list: navigating my new found freedom with my wife, i.e. how much time to spend together. We're both pretty independent people but somehow I thought she'd expect me to hang out with her all the time on...
by eastwayroad
Tue Dec 15, 2015 7:13 am
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 224
Views: 61644

Re: New York City Local Chapter established

In Jackson Heights and would like to be added to NYC group

thanks
by eastwayroad
Tue Oct 06, 2015 7:40 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 256
Views: 55298

Re: Roll Call for the Retirement Class of 2015!

Sign me up please
Oct 5, 2015!
by eastwayroad
Mon Oct 05, 2015 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Retired!
Replies: 44
Views: 5958

Retired!

1st day of retirement today. Just turned 64 with roughly 35 x current annual net income. Figured enough was enough, in the proverbial and literal sense. I started saving and investing in my early 20's and despite many, many money mistakes along the way, I'm happy with where I am today. So very appre...
by eastwayroad
Fri Oct 02, 2015 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion
Replies: 4
Views: 585

Roth Conversion

I have a traditional IRA funded with a mix of deductible and non-deductible contributions. (The latter contributions made when I began participating in workplace 401k) I realize that the co-mingling may not even be IRS allowed, but if I convert the above to a Roth will factoring in the non-deductibl...
by eastwayroad
Wed Sep 30, 2015 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment
Replies: 1
Views: 338

Medicare Enrollment

My wife and I are currently covered under my employer's health plan. Last year, at 65, she enrolled in Medicare Part A. I'll be retiring soon and going on Cobra until my Medicare kicks in.(I'm 64) Once I leave the job, can she immediately sign up for Parts B & D, even though it's not within the offi...
by eastwayroad
Mon Sep 28, 2015 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Stepped Up Cost Basis
Replies: 13
Views: 1949

Re: Stepped Up Cost Basis

Thanks again all.
And as aside, I remember reading somewhere that all cap gains on inherited assets can be classed as long-term, irrespective of stepped up date.
Is that correct?
by eastwayroad
Sun Sep 27, 2015 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Stepped Up Cost Basis
Replies: 13
Views: 1949

Re: Stepped Up Cost Basis

Great information and links. Will follow up as you suggest.
Thanks very much.
by eastwayroad
Sun Sep 27, 2015 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Stepped Up Cost Basis
Replies: 13
Views: 1949

Stepped Up Cost Basis

The problem: Getting official, corrected cost basis for inherited assets. My wife's aunt passed away last year leaving a substantial portfolio of individual stocks in a Morgan Stanley brokerage account. At her death the assets were placed in a trust administered by Comerica. When the trust was final...
by eastwayroad
Wed Sep 02, 2015 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Muni Bond Cost
Replies: 4
Views: 676

Re: Muni Bond Cost

Great, thanks
by eastwayroad
Tue Sep 01, 2015 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Muni Bond Cost
Replies: 4
Views: 676

Muni Bond Cost

What is the hidden cost in an individual muni bond purchase? Fidelity like other discount brokers offer commission-free bond buys, but I know there must be some sort of markup on price. About to retire and looking to simplify my life and perhaps moving my laddered individual NY munis to a fund, as t...
by eastwayroad
Thu Aug 20, 2015 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Switch from Quicken (Windows) to iBank5/Moneydance on Mac?
Replies: 7
Views: 1731

Re: Switch from Quicken (Windows) to iBank5/Moneydance on Mac?

[quote="RooseveltG"]I am a long time Quicken user currently running Parallels 11 on a Mac. I use Quicken 2014 primarily for investment tracking and bill payments.



Just curious-why do you want to switch out of Quicken? I've been running the same setup on a Mac without any issues.
by eastwayroad
Fri Jul 31, 2015 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor Self Interest?
Replies: 15
Views: 1564

Re: Advisor Self Interest?

As the OP, thanks all for the feedback. I was already wary of Fidelity rep's advice, just curious about the specifics of compensation. But not meaning to trash him or his company per se. Everybody's got to make a living. I had already started buying VTI & IXUS (i-Shares intl ETF) The plan for my ret...
by eastwayroad
Fri Jul 31, 2015 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Advisor Self Interest?
Replies: 15
Views: 1564

Advisor Self Interest?

What, if any, self-interested incentives are there in these specific Fidelity rep recommended investments for recently inherited $900,000 in cash? (65 year-old retiree) 25% FSTVX Fidelity Spartan Total Market Index 10% FSIVX Fidelity Spartan International Index 10% FSMVX Fidelity Mid Cap Value 05% O...
by eastwayroad
Thu Jun 11, 2015 12:50 pm
Forum: Investing - Theory, News & General
Topic: IRA Withdrawals & Delayed SS
Replies: 1
Views: 466

IRA Withdrawals & Delayed SS

Looking for comments- or link to prior posts- on the wisdom of delaying SS til age 70 by taking early, more than minimum withdrawals from a traditional IRA. In my case, at upcoming retirement age 64.
Is there a beneficial tax trade-off?
by eastwayroad
Wed Apr 29, 2015 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: SS Benefits
Replies: 6
Views: 1113

Re: SS Benefits

The SSA Retirement Estimator tool is exactly what I needed to answer my question.
It tells me that zero earnings over the next 2 years does lower my FRA benefit slightly, but not a deal-breaker.
thanks all
by eastwayroad
Wed Apr 29, 2015 5:24 am
Forum: Personal Finance (Not Investing)
Topic: SS Benefits
Replies: 6
Views: 1113

SS Benefits

If I stop working now at 63 1/2, intending to begin taking SS at 66, would the next 2 1/2 years without wage income affect my eventual benefits?
Lower average lifetime income base = lower monthly SS benefit?
by eastwayroad
Thu Mar 26, 2015 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Trust Administration Fees
Replies: 7
Views: 1007

Re: Trust Administration Fees

Thanks all, just needed a reality check on this.
by eastwayroad
Wed Mar 25, 2015 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Administration Fees
Replies: 7
Views: 1007

Re: Trust Administration Fees

Steelersfan wrote:Trust fees as a percentage of assets diminish as the trust gets larger.

You say the estate was "sizable". About how large, e.g. low, medium, high hundreds of thousands? Or more?
Estate holdings total around $2,000,000 (x 2% = $40k)
by eastwayroad
Wed Mar 25, 2015 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Administration Fees
Replies: 7
Views: 1007

Trust Administration Fees

My wife's aunt left a sizable estate in a trust that is now being administered by Comerica via her former broker Morgan Stanley. Their task is to facilitate a few bequests and dissolve the trust in a timely manner. For this work Comerica is charging roughly 2% of the assets. Seems awfully high, but ...
by eastwayroad
Sun Mar 08, 2015 6:06 am
Forum: Investing - Theory, News & General
Topic: Retirement Withdrawals
Replies: 16
Views: 3455

Retirement Withdrawals

In preparing for retirement I haven't found much discussion of the mechanics of spending from principal. Close reading of William Bernstein, comments from many folks on this board and sources elsewhere lead me to less emphasis on income yield as a main goal, in favor of stability and safety of overa...
by eastwayroad
Wed Mar 04, 2015 11:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Fixed Income
Replies: 10
Views: 1581

Re: Fidelity Fixed Income

Thanks for your thoughtful reply. I really hadn't intended to stir up the individual bond vs bond fund pot. But quite unexpectedly, I do find myself on the cusp of retirement. Nearing 64 and tired of working; fortunate in having saved and invested pretty well. And as you suggest I can expect to lose...
by eastwayroad
Wed Mar 04, 2015 1:41 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Fixed Income
Replies: 10
Views: 1581

Re: Fidelity Fixed Income

eastwayroad wrote: Recently had a 1st time conversation with a Fidelity fixed income specialist to discuss my current bond holdings and future moves as I approach retirement. Though he was by no means trying to sell me on anything specific, I sensed a bias against ETF's/Funds and towards individual ...
by eastwayroad
Wed Mar 04, 2015 12:32 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Fixed Income
Replies: 10
Views: 1581

Fidelity Fixed Income

Recently had a 1st time conversation with a Fidelity fixed income specialist to discuss my current bond holdings and future moves as I approach retirement. Though he was by no means trying to sell me on anything specific, I sensed a bias against ETF's/Funds and towards individual corporate or muni i...