Search found 33 matches

by stufunds
Thu Jan 23, 2020 4:28 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 327
Views: 17615

Re: Sad news: LadyGeek's husband has passed

I'm sorry for your loss.

Thank you for sharing what you have learned.

Take care.
by stufunds
Tue Dec 03, 2019 6:37 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Guides -- An ideal Christmas gift.
Replies: 6
Views: 1138

Re: The Bogleheads' Guides -- An ideal Christmas gift.

Thank you Taylor, I just received an invitation to a friend's daughter's (one year?) birthday party. Enclosed with the invitation was an Edward Jones postcard suggesting a donation to the child's 529 Education Savings Account at Edward Jones. I bought my friend the Kindle versions of The Second Edit...
by stufunds
Tue Aug 27, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 119
Views: 10397

Re: Coffee becomes cold too soon

I like my coffee warm. And I like to drink it slowly in a regular mug. But it gets cold too fast for me . . . . Anyone else face this situation :) Any neat solution you found? Hello get_g0ing, I’m more of a tea drinker, by which I mean that I drink around six cups of tea whenever I am home all day....
by stufunds
Wed Jun 05, 2019 4:08 am
Forum: Personal Consumer Issues
Topic: Recommendations for 2 way radio.
Replies: 13
Views: 1502

Re: Recommendations for 2 way radio.

My wife and a few friends are going to yellow stone NP for a week. They will be in 2 groups in 2 cars. When we had visited a few years ago cell phones frequently did not work. She is looking for a couple of 2 way radios with a decent range. Would prefer rugged waterproof ones. What are the advantag...
by stufunds
Tue Apr 16, 2019 11:21 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 7592

Re: After financial independence, do you play credit card bonus games?

No. Hello flyingaway, I retired early in May 2012 at the age of 47. I believe I achieved financial independence sometime during the stock market recovery that began in 2009. I only have two credit card accounts – a plain vanilla credit card account that I opened around thirty years ago and use for a...
by stufunds
Tue Feb 05, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Please critique my plan for early retirement
Replies: 42
Views: 5444

Re: Please critique my plan for early retirement

Would you mind explaining why you decided to dip into taxable accounts first? Hello Bravo, I mainly included that not as a tax expert but as someone supplying you with an additional data point. If, say, nine additional early retirees chime in and say that they also dip into taxable accounts first, ...
by stufunds
Sun Feb 03, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Please critique my plan for early retirement
Replies: 42
Views: 5444

Re: Please critique my plan for early retirement

I'm considering an early retirement next year. Please let me know what you think. I'd love to hear your thoughts, any suggestions for improvement, etc. Hello Bravo, For the sake of level-setting my situation with yours, I retired early in May 2012 at the age of 47. I’ve never been married and have ...
by stufunds
Fri Feb 01, 2019 3:29 am
Forum: Personal Consumer Issues
Topic: 5 days in Hong Kong - Seeking travel tips
Replies: 23
Views: 1993

Re: 5 days in Hong Kong - Seeking travel tips

Any suggestions on what to see/do and where to stay? I recently visited Hong Kong in the springtime. I was a first-timer, but I was with a longtime friend (also American) who’d been there “at least a hundred times.” I found the following to be at least “not bad”: Courtyard Hong Kong https://www.mar...
by stufunds
Fri Feb 01, 2019 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 12107

Re: Were you 100% debt free at retirement

So were you 100% debt free at retirement, beyond monthly credit card balance? I carried some credit card debt in my 20s, which I paid off in 1991 when I was 26. I've been debt free ever since and retired early in 2012 at the age of 47. Did you have any expensive projects coming up in the near futur...
by stufunds
Thu Jan 31, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: How do early retirees get health insurance in the US?
Replies: 22
Views: 3157

Re: How do early retirees get health insurance in the US?

IIRC some of the BCBS plans offered a portability feature that extended network coverage benefits when away from home. But you may have to arrange it in advance. Thanks furwut, I believe you're referring to Blue Cross Blue Shield's Away From Home Care Program for members with HMO plans. I wasn't aw...
by stufunds
Thu Jan 31, 2019 12:46 am
Forum: Personal Finance (Not Investing)
Topic: How do early retirees get health insurance in the US?
Replies: 22
Views: 3157

Re: How do early retirees get health insurance in the US?

We are thinking about retiring in our mid 50's and wonder how people typically buy health insurance before they are eligible for Medicare at 65. Do you just go to healthcare.gov and pick a plan? Hi Nicholas, I retired early in May 2012 at the age of 47. I’ve never been married and have no children....
by stufunds
Mon Jan 28, 2019 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?
Replies: 108
Views: 7992

Re: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?

What are you projecting for your needs? For those retired, what did it turn out to be? More or less than projected? I retired early in May 2012 at the age of 47. I’ve never been married and have no children. When I was planning for retirement, I did not bother using the % of income rule of thumb. I...
by stufunds
Fri Jan 18, 2019 12:02 am
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 60
Views: 4772

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

I finally got an online public library card, which allows me to access newspaper content via ProQuest. I also used the card to register for the RBdigital magazine app.

My thanks to those of you who made the suggestion!
by stufunds
Thu Jan 17, 2019 2:43 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58726

Re: John Bogle has died at age 89

Thank you for everything, Jack.

Rest In peace.
by stufunds
Sun Dec 23, 2018 9:12 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Investing In Short Time Horizons
Replies: 44
Views: 3454

Re: Larry Swedroe: Investing In Short Time Horizons

I appreciate the link posts as well. I read around 20% of Larry’s articles over the course of a year. I especially like his gurus’ sure things series. However, I don’t feel inclined to check ETF.com or Larry’s firm’s website on a daily basis. The summaries and the subsequent Boglehead commentary hel...
by stufunds
Sun Dec 16, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 190
Views: 15475

Re: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court

If you have early retired years ago, and are relying on Obamacare for insurance, what are you doing to prepare in the event it fails due to recent legislative changes, or if it doesn't survive the appeal? In the two days since the news was first announced? Basically nothing, except reading, reading...
by stufunds
Thu Dec 13, 2018 12:13 am
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 37
Views: 7077

Re: Early retirement mistakes???

The Society of Actuaries (SOA) Committee on Post-Retirement Needs and Risks has a number of studies and reports on this. I think that most of the statistics and quotes cited by AlohaJoe come from this paper: https://www.soa.org/Files/resources/research-report/2017/shocks-inexpected-factor-retiremen...
by stufunds
Wed Dec 12, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 81
Views: 4424

Re: Donate to homeless?

Rather than giving directly to folks on the street, I've been donating to (Chicago's) North Side Housing and Supportive Services since 2007: https://www.northsidehousing.org/ https://www.guidestar.org/profile/36-3318158 As a matter full disclosure, I do have a friend who's on its Board. I'd say that...
by stufunds
Wed Dec 12, 2018 12:46 am
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 15346

Re: Retired in your late 40s or early 50s?

Stories from retirees who to took the plunge just prior to the 08 meltdown would be nice. Someone started a similar thread in 2011, which netted a few respondents who did just that: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=78394 Can we assume that people are more likely to tell successf...
by stufunds
Mon Dec 10, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 15346

Re: Retired in your late 40s or early 50s?

If you consider the tax savings of HSA contribution AND invest the funds over a period of time, you may come out ahead even with $85 extra premium per month. The exception may be if you incur some healthcare costs that are covered with a non HSA plan prior to meeting the annual deductible. Some peo...
by stufunds
Mon Dec 10, 2018 3:13 am
Forum: Personal Finance (Not Investing)
Topic: Disability insurance Northwestern Mutual
Replies: 4
Views: 720

Re: Disability insurance Northwestern Mutual

Is the added personal disability worth the “investment(?)” I see some signs that the OP may be a medical professional (“xrayman?”). If that’s true, they may want to consider also posting their question on the White Coat Investor forum. My understanding is that disability insurance may involve some ...
by stufunds
Sun Dec 09, 2018 5:41 am
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 15346

Re: Retired in your late 40s or early 50s?

Early retirees, what are you doing for healthcare coverage in early retirement, especially if living in the US? ACA Bronze PPO. No tax credits or subisidies. In 2019, I will have a high-deductible ($3,150/$6,650 max), nationwide network, HSA-eligible Bronze PPO plan for $768.59/month. This is going...
by stufunds
Sun Dec 09, 2018 5:34 am
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 15346

Re: Retired in your late 40s or early 50s?

Did you have to make adjustments to your original withdrawal plans? I think many people are rightfully concerned about high and rising health care costs. However, if I could do my pre-retirement planning again, I would have also given more careful thought and consideration to my planned travel expe...
by stufunds
Sun Dec 09, 2018 5:29 am
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 15346

Re: Retired in your late 40s or early 50s?

(W)hat withdrawal rates are you using? My actual withdrawal rates are probably high for an early retiree, but their impact is moderated by the fact that I’m expecting to start receiving a modest corporate pension (no inflation adjustment) at age 65 and a modest amount of social security at age 70. ...
by stufunds
Tue Dec 04, 2018 12:10 am
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 15346

Re: Retired in your late 40s or early 50s?

We are mostly thinking the plans will find us; we aren't often bored. I certainly agree with the sentiment. I retired early nearly seven years ago at the age of 47 after twenty years of working in finance and IT in the financial services industry. I’ve never been married and don’t have any children...
by stufunds
Fri Jun 29, 2018 4:33 am
Forum: Personal Consumer Issues
Topic: Used Hearing Aids
Replies: 8
Views: 762

Re: Used Hearing Aids

No personal experience either. Here's a link to Sertoma's hearing aid resources page: https://sertoma.org/ways-to-help/hearing-aid-resources/ "Sertoma is a civic, service organization with national mission of hearing health. We have compiled a list of organizations that have programs to assist disad...
by stufunds
Tue Jan 02, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to give a seminar about student loans and paying for college
Replies: 14
Views: 1255

Re: Asked to give a seminar about student loans and paying for college

Thank you KlangFool, I believe you're referring to the following website: https://www.collegeconfidential.com/ Since I'm less familiar with the subject, I found the Read & Learn articles on paying for college to be the most helpful: https://www.collegeconfidential.com/category/paying-for-college Col...
by stufunds
Mon Jan 01, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to give a seminar about student loans and paying for college
Replies: 14
Views: 1255

Re: Asked to give a seminar about student loans and paying for college

Thank you for your responses. celia's suggestion to teach the students how to fish, so to speak, for information about college financing is one that we might be able to use in the seminar. I'm open to attending one of the parent financial aid seminars. I happen to reside outside the state where the ...
by stufunds
Sun Dec 31, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to give a seminar about student loans and paying for college
Replies: 14
Views: 1255

Asked to give a seminar about student loans and paying for college

Dear Bogleheads, For the past 20+ years, I've been giving a personal finance seminar at an annual retreat for gifted and talented high school students. I continue to experiment with the content, but generally, I keep my comments at a high level, revolving around financial independence and the virtue...
by stufunds
Sat Mar 12, 2011 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Response to Setback (long post)
Replies: 20
Views: 4213

RTR2006: “Close your eyes and think six months or a year into the future... which of your options feels right? A, B, C, D or E?” At the time, B (tough it out), although it wasn’t necessarily what I wanted to do. Right now, I’d say C (stock option vesting), D (bonus payout), or E (leave now). Please...
by stufunds
Sat Mar 12, 2011 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Response to Setback (long post)
Replies: 20
Views: 4213

Dear Diehards, Nearly 3 years have passed since I wrote that original post. Obviously, I was distraught at the time, and as the replies started to come in, I grew increasingly embarrassed that I wrote it. In truth, I haven’t looked at the thread since the summer of 2008. Since the time that I wrote ...
by stufunds
Sun Sep 21, 2008 11:46 pm
Forum: Investing - Theory, News & General
Topic: Non-Qualified Deferred Compensation Plan
Replies: 21
Views: 5005

When I was faced with the same question a few years ago, two things that struck me were: 1) these plans seem to be designed first and foremost as retention tools to enable employers to hold onto high-producing employees (e.g., salespeople), and 2) as Dale mentions above, in the event that your emplo...
by stufunds
Sun Jul 27, 2008 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Response to Setback (long post)
Replies: 20
Views: 4213

Career Advice: Response to Setback (long post)

I’m a middle manager in my early forties at a large financial institution, and my department has recently gone through a major reorganization which did not turn out well for me -- additional layer between me and my current manager, much smaller staff, more junior direct reports, projects with less s...