Search found 140 matches

by KarenC
Wed Jul 01, 2020 7:53 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 138
Views: 9974

Re: Streaming TV (YouTube TV raising rates AGAIN)

Sling TV, $30/mo. Meets your criteria. Local channels vary so check that, but I think it also works with an antenna for local channels. The DVR is only 10 hours but you can pay for more. I used to have Sling TV and just looked into restarting it. They are offering me my former package (Sling Blue a...
by KarenC
Tue Jun 23, 2020 7:16 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 421
Views: 48841

Re: "Open Social Security" calculator: feature requests, bug reports, etc

As of today, Open Social Security has a new feature. […] Great feature—thank you! Karen: Try putting in age 70 in the "alternate" (you can select this after running the program). You will likely find that there is just hundreds or a couple of thousand dollars difference - over your projected lifeti...
by KarenC
Sun Jun 21, 2020 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 421
Views: 48841

Re: "Open Social Security" calculator: feature requests, bug reports, etc

ObliviousInvestor wrote:
Sun Jun 21, 2020 8:35 am
As of today, Open Social Security has a new feature. […]
Great feature—thank you!
by KarenC
Wed Jun 10, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: iPhone XR - Face ID vs. Touch ID?
Replies: 35
Views: 1564

Re: iPhone XR - Face ID vs. Touch ID?

FaceID doesn't work in bed after my contacts are out. I have no idea why, but I have never (that's right, never ) gotten it to work in bed with my contacts out. The contacts probably are not directly the issue. One suggestion: Are you holding the phone in the right position. When I first got Face I...
by KarenC
Mon May 11, 2020 6:04 am
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13580

Re: Will work from home destroy the commercial real estate market?

This was discussed recently in an interview on a local program. At 1:25 the interview begins with Robert Pozen from the MIT Sloan School of Management, who is also author of the book ‘Extreme Productivity.’ https://www.wgbh.org/news/local-news/2020/05/01/what-is-the-future-of-work-in-a-post-coronav...
by KarenC
Wed Apr 22, 2020 7:27 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 997
Views: 335729

Re: Variable Percentage Withdrawal (VPW)

I have a question about how to handle a mortgage being paid off using the VPW spreadsheet. Sorry if this has been addressed before, but I didn't see anything about it. Say I'm retiring at 60, and have a mortgage payment of $2200/month, and it will be paid off at age 65. Is it reasonable to handle t...
by KarenC
Wed Mar 25, 2020 8:05 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193808

Re: Bogleheads community discussion - Coronavirus

[…] The other initial option was to take this seriously from the beginning, restrict international travel, test widely and followup every case. There are still deaths, but the rate is low and there's no need for extraordinary measures like complete lockdowns. This is the path taken by much of Asia,...
by KarenC
Wed Mar 25, 2020 7:55 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9376

Re: What is your AA, given your age ? and this crisis ?

I'm 50/50 and I'm 58 years old. I haven't changed my AA in response to this crisis. I have rebalanced into equities several times as the market has fallen, for a total of $62K. That's been fairly difficult to do since my portfolio has dropped about 15%, but that's what's in my plan and I'm staying t...
by KarenC
Tue Mar 17, 2020 2:02 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 26139

Re: How much you lost/gain since Feb 20,2020 ?

Down about 16%. (50/50)
by KarenC
Mon Mar 16, 2020 6:27 pm
Forum: Personal Investments
Topic: Anyone Rebalancing Today, 3/16/20?
Replies: 36
Views: 2166

Re: Anyone Rebalancing Today, 3/16/20?

I went past my rebalance band so I rebalanced. It’s hard to do, but I’m satisfied that my current AA is right for me.
by KarenC
Fri Mar 13, 2020 8:37 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 26257

Re: Who is staying course and how are you dealing with net worth going down?

I’ve stayed the course, rebalancing three times (by shifting from bonds to stocks) for a total of $45K. That said, it makes me sick how much my portfolio has gone down. It reminds me of the global financial crisis (except that I was 100% stocks back then, so no rebalancing). When I got the quarterly...
by KarenC
Mon Mar 09, 2020 7:58 pm
Forum: Investing - Theory, News & General
Topic: Who here is buying stocks today and how much?
Replies: 306
Views: 27571

Re: Who here is buying stocks today and how much?

I am shifting $15K from bonds to stocks by virtue of hitting my rebalance threshold.
by KarenC
Mon Mar 02, 2020 7:11 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19254
Views: 2672322

Re: U.S. stocks in free fall

willthrill81 wrote:
Sun Mar 01, 2020 11:02 am
thelateinvestor43 wrote:
Sun Mar 01, 2020 5:43 am
How much are we down so far for the S&P from all time highs, percentage-wise?
Almost 13%.
About 5% for me. (My target AA is 50/50. I haven't hit my rebalancing band yet, so I haven't done anything in response COVID-19.)
by KarenC
Wed Feb 26, 2020 11:12 am
Forum: Forum Issues and Administration
Topic: Forum is very slow?? is this just today?
Replies: 151
Views: 9909

Re: Forum is very slow?? is this just today?

Yep, I've noticed it for the past couple of days. (Gazing at the status bar, it seems to be pausing at "Establishing secure connection…")
by KarenC
Sat Feb 22, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 282
Views: 33628

Re: Did you celebrate when you finally hit $1m?

I didn’t celebrate, mostly because I knew I had not yet achieved financial independence. (When I have done that I suspect I will celebrate.)
by KarenC
Mon Feb 17, 2020 6:43 am
Forum: Investing - Theory, News & General
Topic: At what age did you begin adding bonds?
Replies: 138
Views: 7540

Re: At what age did you begin adding bonds?

For most of my life, I was 100% stocks—mainly because of a Jane Bryant Quinn article I read when I was young. When the global financial crisis hit around 2008, I started basically ignoring my retirement accounts; when a statement came in the mail, I would take a quick look at the bottom line, think ...
by KarenC
Fri Feb 07, 2020 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Rule 72T: Just how does this work? Anyone do this?
Replies: 18
Views: 3040

Re: Rule 72T: Just how does this work? Anyone do this?

I suggest using an adviser who has a good track record with the 72t. This is what I've always heard - do not attempt to use 72t on your own because a mistake is disastrous. I plan to retire at 50 and use 72t to get my money from 50 to 59.5 (because you have to go for five years or until age 59.5, w...
by KarenC
Fri Feb 07, 2020 6:38 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 997
Views: 335729

Re: Variable Percentage Withdrawal (VPW)

I don't find this compelling at all. This capital is currently generating income, and it will continue to do so until I give it away. I don't see any benefit gained by ignoring that income or "budgeting" such expenses out of monthly income for the convenience of the retirement worksheet. There is n...
by KarenC
Wed Feb 05, 2020 12:35 am
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 146
Views: 10941

Re: Books that changed your life

The Design of the UNIX Operating System by Maurice J. Bach
by KarenC
Tue Jan 28, 2020 7:29 am
Forum: Personal Investments
Topic: How much do I need to retire early?
Replies: 99
Views: 11751

Re: How much do I need to retire early?

[…] You can SEPP substantially equal period payments https://www.investopedia.com/terms/s/sepp.sp out of you IRA starting now. you can subdivide your IRA into serveral different IRA, say one at Etrade, one at vanguard, whatever. You can pick an amount to put in each one, then you can SEPP out of on...
by KarenC
Thu Jan 23, 2020 6:25 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27076

Re: Sad news: LadyGeek's husband has passed

My condolences on your loss, LadyGeek.
by KarenC
Fri Jan 10, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: What financial podcasts do you listen to?
Replies: 52
Views: 6425

Re: What financial podcasts do you listen to?

Lots of good suggestions! A couple that I enjoy (that I haven't seen mentioned yet) are Econtalk and Pivot.
by KarenC
Tue Dec 10, 2019 6:04 am
Forum: Investing - Theory, News & General
Topic: Tax Deferred : Taxable : Tax Free
Replies: 224
Views: 14170

Re: Tax Deferred : Taxable : Tax Free

KarenC wrote:
Sun Dec 01, 2019 9:04 am
pre-tax : taxable : post-tax = 80 : 17 : 4
Update: pre-tax : taxable : post-tax = 78 : 16 : 6 :happy
by KarenC
Sun Dec 08, 2019 10:01 am
Forum: Investing - Theory, News & General
Topic: Can one have too much Roth?
Replies: 175
Views: 15921

Re: Can one have too much Roth?

I just want to post a quick note that this thread, in addition to the "Tax Torpedo" thread, has inspired me to make my first ever Roth conversion. (I'm a bit nervous I might have converted too much, but I think I calculated correctly and if I go a bit into the 24% bracket it's not the end of the wor...
by KarenC
Sat Dec 07, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Tax Torpedo
Replies: 32
Views: 4016

Re: Tax Torpedo

I just want to chip in on the usefulness of that heat map. Over the years, I had occasionally seen that graph of marginal and cumulative tax rates vs income level and thought to myself, "Hmmm, that doesn't look too bad." I didn't realize an assumption behind that graph is $20,000 in social security ...
by KarenC
Tue Dec 03, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6685

Re: Airline overhead bins...do you think they're assigned?

I so despise the contentiousness of finding space in the overhead bins that I always check all my bags except for a backpack that can fit under the seat. That way, I can wait until almost everyone has boarded before strolling up. This usually ends up costing me some money but it is without doubt wor...
by KarenC
Sun Dec 01, 2019 9:04 am
Forum: Investing - Theory, News & General
Topic: Tax Deferred : Taxable : Tax Free
Replies: 224
Views: 14170

Re: Tax Deferred : Taxable : Tax Free

pre-tax : taxable : post-tax = 80 : 17 : 4
by KarenC
Fri Nov 15, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example
Replies: 148
Views: 13510

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

Also, the summation of the cash flows (column I in Simple Example) includes columns B and H, which seems wrong. This is deliberate. This allows end users who insert new columns to not get the formulas messed up if they happen to insert the new column at the beginning or the end of the set of cash f...
by KarenC
Fri Nov 15, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example
Replies: 148
Views: 13510

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

Also, the summation of the cash flows (column I in Simple Example) includes columns B and H, which seems wrong.
by KarenC
Fri Nov 15, 2019 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example
Replies: 148
Views: 13510

Re: Using the Time Value of Money Formula to Determine Withdrawals: Year 2000 Retiree Example

I like the changes! I did find the note on cell C9 (in Simple Example) as well as the value in cell D9 a bit misleading in that you might have overridden the historical values. (I ended up adding a true/false value and modifying the formula in C9 to toggle between the override values in A5/A7 and th...
by KarenC
Sun Nov 10, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: RSS Reader Question
Replies: 12
Views: 957

Re: RSS Reader Question

If you are in the Apple ecosystem, Fiery Feeds is a good pick.

http://cocoacake.net/apps/fiery/
by KarenC
Fri Oct 25, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 11872

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I don't get your last paragraph. Why do you think that Apple pretends (could you give an example) they invent everything and "buyers believe it?" Personally, I don't care who came up with the initial idea for a feature in a product I buy, as long as I get the feature (if I did care, I'd say a littl...
by KarenC
Tue Oct 22, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 11872

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I am now deeply entrenched in the Apple ecosystem, along with my entire family, and I am extremely happy with the features and overall experience. Can you (or anyone) delve deeper into what it means by being in the "Apple ecosystem"? Are you talking about iCloud? iTunes? Having your iPhone, iPad an...
by KarenC
Fri Sep 20, 2019 2:13 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 77
Views: 7030

Re: Spreadsheets

I have a Google spreadsheet that I use to track all sorts of various financial independence and retirement metrics. I've been continuously updating/extending it since early 2014; as of today, it has 29 different tabs. I work with the spreadsheet every day, mainly to update it to reflect the current ...
by KarenC
Tue Sep 17, 2019 5:58 am
Forum: US Chapters
Topic: Where Bogleheads Live
Replies: 31
Views: 6056

Re: Where Bogleheads Live

Image
by KarenC
Sat Aug 31, 2019 10:04 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig in Today's WSJ Discusses Target Retirement Funds
Replies: 56
Views: 9148

Re: Jason Zweig in Today's WSJ Discusses Target Retirement Funds

2018 was a double-whammy for near-term target-date funds because the allocation to stocks was automatically reduced at the end of the year, right after the market dropped 20% and had not recovered much of that loss. Target date funds are not managed this way. It’s a non-issue. Correct, the market h...
by KarenC
Sun Aug 25, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: Negative Interest Rates in U.S.
Replies: 254
Views: 24527

Re: Negative Interest Rates in U.S.

Not a lot different than me setting up "The Welderwannabe Prize in Bogleheads Studies in memory of Alfred Nobel" and calling it a Nobel prize :beer As long as the Nobel Foundation, the holder of the copyright to the name "Nobel Prize", doesn't object you will be good to go. That is a safe assumptio...
by KarenC
Tue Aug 13, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 125
Views: 13650

Re: Apple Card

According to this BuzzFeed article , there is no provision for paying off the card on the web: The new Apple Card credit card has an iOS-only app to see transactions and make payments, which means if you lose your Apple device, you won’t be able to pay your bill online. For me, this is a showstopper.
by KarenC
Mon Aug 12, 2019 8:38 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 18622

Re: What is happening with Vanguard site?

Same for me! I can get to some pages, but when I go to https://personal.vanguard.com/us/myacco ... esholdings the site doesn’t respond.
by KarenC
Sat Jul 20, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 9787

Re: Do you buy cellphone outright or pay over 2 years?

I get the latest iPhone each year... one of a small handful of indulgences I enjoy outside the Bogleheads philosophy. I'm a tech/gadgets guy, software engineer by trade, etc. I'm on Apple's iPhone Upgrade Program. Costs me the same to finance versus buy outright, and I have the option of trading in...
by KarenC
Thu Jul 04, 2019 10:33 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 997
Views: 335729

Re: Variable Percentage Withdrawal (VPW)

longinvest wrote:
Thu Jul 04, 2019 9:06 am
[…] Effectively, what do you think?
I think I would actually use this approach. (In contrast, my gut reaction to the silo approach was a hard “No.”)
by KarenC
Mon Jun 24, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: 72(t) SEPP: What did you do at 59 1/2?
Replies: 5
Views: 734

Re: 72(t) SEPP: What did you do at 59 1/2?

I'm also making 72(t) withdrawals. I'll make my last withdrawal in the 2021 tax year, but I won't feel like I'm really done with it until I file my 2021 tax returns. At that point, I'll roll the remaining funds in the account I created specifically for 72(t) purposes back into my general TIRA accoun...
by KarenC
Mon Jun 17, 2019 8:03 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 997
Views: 335729

Re: Variable Percentage Withdrawal (VPW)

One feature you had on previous spreadsheets was the ability to put in an inheritance amount to be left at the end of the term. That might be useful to have in this one as well. I like the idea of having a buffer amount available :happy . […] What I'm trying to explain is that it simply makes no se...
by KarenC
Mon Jun 17, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 101
Views: 22516

Re: Do not use Personal Capital

If you think each bank has developed its own systems then you know nothing about modern IT and systems integrations. Most of the banks lease systems. It is either SaaS or PaaS and IaaS. This is done for liability, security, and connectivity. Nobody will developed their own Fair Isaac system because...
by KarenC
Mon May 06, 2019 9:09 pm
Forum: Investing - Theory, News & General
Topic: International Exposure — A Fresh Look at Your Stock Portfolio
Replies: 104
Views: 8677

Re: International Exposure — A Fresh Look at Your Stock Portfolio

DonIce wrote:
Mon May 06, 2019 6:05 pm
You diversify across companies, not national origin of revenues. […]
+1
by KarenC
Sat Apr 20, 2019 8:12 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 9436

Re: This could be the biggest risk that retirees face?

Living to 100 is peanuts. We will have much longer lifespans. This will not be the case if life expectancies continue increasing at their current pace. Take a look at the graph below. https://i.imgur.com/G4KSEHz.png?1 From 1850 to 1950, the life expectancy of a 70 year old only increased from about...
by KarenC
Sun Apr 07, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 37857

Re: "The best and worst U.S. states for retirement"

I wish money magazine kept that website going. Is there any other website you have found with similar capabilities? I think my number 1 would be weather/climate, 2 affordability (including taxes), 3 decent healthcare, 4 desired activities available (astronomy/computer club, Tai Chi master, beach or...
by KarenC
Tue Apr 02, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 17713

Re: How often do you check your net worth?

Seems there are 3 methods how BHers update net worth: 1. Using Personal Capital (auto calculates every time one logs in) 2. Using Quicken (auto calculates every time one updates transactions) 3. Using spreadsheet (calculate NWT. Manually record (copy/paste) the outcomes over time, once a month/quar...