Search found 689 matches

by corn18
Sat Jun 23, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is this all investing is?
Replies: 34
Views: 2709

Re: Is this all investing is?

My wife and I have adopted the Hunter S. Thompson approach: “Life should not be a journey to the grave with the intention of arriving safely in a pretty and well preserved body, but rather to skid in broadside in a cloud of smoke, thoroughly used up, totally worn out, and loudly proclaiming "Wow! Wh...
by corn18
Sat Jun 23, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Jaguar F-Pace SUV ?
Replies: 9
Views: 911

Re: Jaguar F-Pace SUV ?

Anyone try the new Range Rover Velar? Thinking about getting one for my wife.
by corn18
Thu Jun 21, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 2623

Re: Buy new truck before retiring?

Folks, we're talking about a 20' trailer that weighs 4,000 lbs. You don't need a 3/4 ton HD truck to pull that. If he was pushing 7k+ and 30+ ft then you're going to see a big difference behind a 2500 vs. 1500. But not 20'/4,000 lbs.
by corn18
Thu Jun 21, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: How much of your taxable holdings is unrealized capital gains?
Replies: 45
Views: 3202

Re: How much of your taxable holdings is unrealized capital gains?

Many people have a lot of room in early retirement to take capital gains at a 0% tax rate. Others plan to hold the largest gains until death so their heirs get a stepped-up basis. Others donate the holdings with the largest gains. So even knowing what percent are unrealized gains, everyone's assets...
by corn18
Thu Jun 21, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 153
Views: 10122

Re: What is/ was your career and would you recommend it now?

Spent 20 years flying in the Navy. 3 combat tours and the rest of my time as a test pilot. Retired in 2008 as the flying dried up for me. Would highly recommend it. High speed, low drag. Lots of unmanned stuff out there now, but there are still a lot of cockpits to fill. And sending a drone into bad...
by corn18
Thu Jun 21, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement myth
Replies: 14
Views: 1392

Re: Early retirement myth

Doesn't irritate me. Wish I could do that.
by corn18
Thu Jun 21, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 2623

Re: Buy new truck before retiring?

Any chance you end up wanting a bigger RV after you retire and start spending a lot more time in it? A 4k lb RV has got to be very small. It’s a 20 foot bumper pull, tandem axel, with brakes. No need to finance new truck in the future unless I was offered 0 %. If it really is 4,000 lbs actual weigh...
by corn18
Wed Jun 20, 2018 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 10946

Re: Retire at 50: Should I?

What did we do before the ACA was around? Just get private health insurance from ER to 65?
by corn18
Tue Jun 19, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 4835

Re: How much car to buy reasonably?

I like the new stuff from Alfa Romeo. The 4C Spyder would be my choice. Cost ya $65k, though. I think you can afford it.
by corn18
Tue Jun 19, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Arrangements for spouse to manage investments on death
Replies: 15
Views: 826

Re: Arrangements for spouse to manage investments on death

I have our financial house in order and hope to retire in 3 years @ 55. Have a 401k, 2 Roths and a taxable account all invested in index funds. The taxable account will be the hardest to deal with. You'll have to balance tax in-efficiency against simplicity. 1210 And I can't do it due to unrealized...
by corn18
Tue Jun 19, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 270015

Re: Best watch for around $5,000?

There is so much more to a mechanical watch than just being jewelry. It is remarkable the precision that goes into making one of these things. But I will concede that $500 can get you a great mechanical watch (Citizen or Seiko). The extra $4500 is up for debate on what value that provides. I can't s...
by corn18
Tue Jun 19, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Value of a Military Retirement
Replies: 30
Views: 3149

Re: Value of a Military Retirement

20 years in the Navy. 50% high 3 for pension. Tricare for life. Total value of the pension is around $1.2M in today's dollars. Total value of the Tricare is TBD but I would put it at $500,000. Carefree planning for retirement with a COLA military pension and SS that covers all expenses and predictab...
by corn18
Tue Jun 19, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Arrangements for spouse to manage investments on death
Replies: 15
Views: 826

Re: Arrangements for spouse to manage investments on death

So it appears you are 52. You likely aren't going to die for 20, 30, or 40 years, yet you want to be prepared as if anything were to happen now. Even if you find your ideal team, are they still going to be working in 20, 30, or 40 years? Why not take the approach of working with your wife to see wh...
by corn18
Tue Jun 19, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Arrangements for spouse to manage investments on death
Replies: 15
Views: 826

Re: Arrangements for spouse to manage investments on death

If you need to have your surviving spouse "go outside" for assistance with financial investments you risk her falling into the clutches of a high AUM financial adviser. Might not be the one you pick, could well be a friend's recommendation. The approach I've taken is to simplify as much as possible...
by corn18
Tue Jun 19, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8324

Re: Very confused with the current market

I'm betting the market will go down and up. http://www.savingadvice.com/forums/picture.php?albumid=188&pictureid=421 Very good picture, how can I see a bigger size of it? This is a link to the .pdf version: https://www.ftportfolios.com/Common/ContentFileLoader.aspx?ContentGUID=4ecfa978-d0bb-4924-92...
by corn18
Tue Jun 19, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Arrangements for spouse to manage investments on death
Replies: 15
Views: 826

Arrangements for spouse to manage investments on death

I have our financial house in order and hope to retire in 3 years @ 55. Have a 401k, 2 Roths and a taxable account all invested in index funds. I also have a COLA pension (military). Wife has no SS earnings so will rely on my earnings for SS benefits. Lots of term life. I do all the finances and kee...
by corn18
Tue Jun 19, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8324

Re: Very confused with the current market

Another cool chart for the 60/40 crowd:

Image
by corn18
Tue Jun 19, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435617

Re: U.S. stocks in freefall

Time to resurrect this thread. KEEPER: Heh heh. Stop! What is your name? ARTHUR: It is Arthur, King of the Britons. KEEPER: What is your quest? ARTHUR: To seek the Holy Grail. KEEPER: What is the air-speed velocity of an unladen swallow? ARTHUR: What do you mean? An African or European swallow? KEEP...
by corn18
Mon Jun 18, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 270015

Re: Best watch for around $5,000?

IMHO, the best $5000 watch, is a $50 timex plus $4950 in investments. I always like these threads. Most berate, belittle and otherwise consider anyone with a watch more than a basic Timex an idiot and into material things at the sacrifice of experiences. And they never pass on the opportunity in an...
by corn18
Mon Jun 18, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 93
Views: 8324

Re: Very confused with the current market

I'm betting the market will go down and up.

Image
by corn18
Mon Jun 18, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 270015

Re: Best watch for around $5,000?

I always like these threads. Most berate, belittle and otherwise consider anyone with a watch more than a basic Timex an idiot and into material things at the sacrifice of experiences. And they never pass on the opportunity in any thread where a watch more than $35 is mentioned. Blah, blah, blah...
by corn18
Sat Jun 16, 2018 6:48 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11192

Re: Which boglehead rule do you break--and are ok with

I have one share each of a bunch of companies that I like and use all the time. I am also wearing a $6k watch. :sharebeer

Image
by corn18
Thu Jun 14, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond fund in 401k?
Replies: 7
Views: 562

Re: Which bond fund in 401k?

Thanks everyone! Just made the exchange from VIPIX to DODIX and sent all future contributions to DODIX. Easy peasy.
by corn18
Thu Jun 14, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Which bond fund in 401k?
Replies: 7
Views: 562

Re: Which bond fund in 401k?

My suggestion is Dodge & Cox Income Fund (DODIX) ER 0.44%. It is a good actively managed, intermediate-term bond fund (average effective duration = 4.2 years), with good credit quality (average credit quality = A), with a moderate expense ratio and good diversification. I don't suggest a TIPS fund ...
by corn18
Thu Jun 14, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Which bond fund in 401k?
Replies: 7
Views: 562

Which bond fund in 401k?

I am using most of my 401k for bond holdings. Most of my equities are in Roth and taxable. AA is 60/40 (25% international). 3 years from retirement (hopefully). These are my choices in my 401k: FID Managed Income Portfolio II Class 3 0.34% BLKRK HIGH YLD BD K (BRHYX) 0.55% DODGE & COX INCOME (DODIX)...
by corn18
Thu Jun 14, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Interesting issue with USAA and Fidelity Money Market account
Replies: 3
Views: 232

Re: Interesting issue with USAA and Fidelity Money Market account

Are you sure that USAA didn’t think that you wanted to use the Fidelity fund as your settlement fund for the brokerage account? Just got off the phone with a senior trader (whatever that means) and I can only use USAA MM as a sweep account. And I cannot buy other company's MM accounts in my USAA br...
by corn18
Thu Jun 14, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Interesting issue with USAA and Fidelity Money Market account
Replies: 3
Views: 232

Interesting issue with USAA and Fidelity Money Market account

I decided to move my EF from my USAA savings account yielding nothing to a money market fund in my brokerage account. I put it all in FIDELITY MMKT PREMIUM CLASS (FZDXX) and was happy that I would be getting the 1.86% 7 day SEC yield vs. 0.2%. I went online today to move some money out of it and I c...
by corn18
Wed Jun 13, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: i-ORP: Any way to force tax deferred savings?
Replies: 8
Views: 715

Re: i-ORP: Any way to force tax deferred savings?

As you note, ORP is an optimizer. So you can't fight city hall. I had the same question as you on this thread, and also contacted the guy who runs ORP (James Welch)--he's very accessible. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=251375&p=3966739#p3966120 I was able to minimize the probl...
by corn18
Wed Jun 13, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: i-ORP: Any way to force tax deferred savings?
Replies: 8
Views: 715

Re: i-ORP: Any way to force tax deferred savings?

mhalley wrote:
Wed Jun 13, 2018 4:38 pm
Are you using extended version?
https://www.i-orp.com/BigGraph/extended.html
Affirmative.
by corn18
Wed Jun 13, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: i-ORP: Any way to force tax deferred savings?
Replies: 8
Views: 715

i-ORP: Any way to force tax deferred savings?

I have been running scenarios in i-ORP and found that there is no way to force savings into my 401k. It actually puts all my annual contributions into my Roth and taxable. That might be fine for optimization of taxes, but it causes an issue with matching. I contribute $24,500 and get a $17,000 match...
by corn18
Wed Jun 13, 2018 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Interesting Social Security analysis
Replies: 16
Views: 2295

Re: Interesting Social Security analysis

I think my statement regarding longevity insurance was too harsh. There is extraordinary value in that, especially for my situation. I am the sole SS earner and my spouse is 4 years younger than me. Delaying to 70 is definitely the best way to go for us. I guess the light bulb finally came on with r...
by corn18
Tue Jun 12, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting Social Security analysis
Replies: 16
Views: 2295

Re: Interesting Social Security analysis

corn - When I used FIREcalc last week and change only the age/date of taking SS and the corresponding amount- and left everything else the same. My plan success increased by 10 basis points when I took SS at 62 instead of taking it at 70. I am assuming because I was withdrawing less from my portfol...
by corn18
Tue Jun 12, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting Social Security analysis
Replies: 16
Views: 2295

Interesting Social Security analysis

I have been wondering why every time I run the Flexible Retirement Planner and vary my SS plan from taking it at 62 vs. 70, the probability of success never changes. Didn't make any sense to me. So I did some math. These are the 3 scenarios I ran: Scenario 1 Retirement age: 55 SS Start age: 62 SS Be...
by corn18
Tue Jun 12, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Imagine a 10 year, 0%, noncallable loan
Replies: 49
Views: 2994

Re: Imagine a 10 year, 0%, noncallable loan

I would pay $10,000 to get 1 year salary of $275,000 at 0% non-callable with a 10 year payback.

Why $10,000? I don't know, it's just a thought exercise.
by corn18
Mon Jun 11, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buy or Rent as part of job move?
Replies: 5
Views: 443

Re: Buy or Rent as part of job move?

Moving to a new place (new state I assume) and going to retire in 3 years. Do you have any clue/idea of where you WANT to be after you retire in 3 years? This new state or somewhere else? Somewhere else. I assume that when you say the employer is taking care of all expenses, you are talking about t...
by corn18
Wed Jun 06, 2018 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Buy or Rent as part of job move?
Replies: 5
Views: 443

Buy or Rent as part of job move?

I will likely be moving as part of a job change within the same company. I currently own a home with a mortgage ($414k balance, $500k value, 3.75%). I will be selling it (no interest in long distance landlordship). The question is what to do on the other end. Likely will be for 3 years and then reti...
by corn18
Tue Jun 05, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 75
Views: 5665

Re: What is your Take Home Pay / Gross Pay ratio?

57.2% Max 401k, 401k catch up, and after tax 401k PRE TAX 401k 7.00% PRE TAX 401k Catch up 3.00% I don’t understand how you can be maxing your 401k and Catch up with those percentages. If you make $200k the catch up is maxed but the 401k is only $14k. If you make $264k and change, the 401k is maxed...
by corn18
Mon Jun 04, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 75
Views: 5665

Re: What is your Take Home Pay / Gross Pay ratio?

57.2% Max 401k, 401k catch up, and after tax 401k

DENTAL 0.17%
VISION 0.09%
LIFE INSURANCE 0.77%
LTD 0.90%
PAC 0.21%
STD 0.53%
FED TAX 16.48%
SS 0.00%
MEDICARE 2.35%
STATE TAX 4.26%
PRE TAX 401k 7.00%
PRE TAX 401k Catch up 3.00%
AFTER TAX 401k 7.00%
by corn18
Thu May 31, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Updated (May 2018) TSP Withdrawal Options from FRTIB
Replies: 9
Views: 722

Re: Updated (May 2018) TSP Withdrawal Options from FRTIB

I just started the process of withdrawing everything from my TSP and rolling it into my 401k. Just too many rules to get the money out and I am trying to simplify things for my wife if I were to die. Just doing the full withdrawal and rollover is a complex and aggravating process. At least compared ...
by corn18
Wed May 30, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Pueblo, CO area places to live
Replies: 12
Views: 1395

Pueblo, CO area places to live

Might be moving to Pueblo, CO. Just the wife and I. 2-3 years max. Prefer not to buy, but with the company footing the transaction costs, maybe. $500k budget, $3000 rent. I looked on Zillow and it seems we have our choice of anywhere in Pueblo or Colorado Springs. What areas should we be looking at?
by corn18
Fri May 25, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal
Replies: 23
Views: 2710

Re: Variable Percentage Withdrawal

I am developing a window for withdrawals (retire @ 55): $100,000 = 3% SWR $170,000 = Get me to 70 with no savings Assumes zero growth) $200,000 = VPW 55 to 70 My expenses are $95k, so I think I am all set to retire @ 55. Then we'll wing it. Since my wife has this sign over the pantry, I have a feeli...
by corn18
Fri May 25, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Book for wife on investing
Replies: 26
Views: 2036

Re: Book for wife on investing

I have those in my kindle library. But she doesn't know what a stock or bond is. Or a mutual fund. Or a 401k. No clue on what the S&P500, DJIA or NASDAQ are.

We need to start from zero here.
by corn18
Fri May 25, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Book for wife on investing
Replies: 26
Views: 2036

Book for wife on investing

Hell has officially frozen over. Just now, my wife asked me if there was a book she could read on how investing works. Up until this very moment, she has taken absolutely no interest in my endless diatribes on index investing, asset allocations, withdrawal rates, etc... So, what do I recommend for h...
by corn18
Fri May 25, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal
Replies: 23
Views: 2710

Re: Variable Percentage Withdrawal

First time I actually looked at the VPW spreadsheet. Since my COLA pension and SS @ 70 covers my expenses starting at age 70, my portfolio only needs to survive until 70. So I plugged that into the VPW spreadsheet and my initial withdrawal rate @ age 55 is 8.1%. That works for me.
by corn18
Fri May 25, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: FZDXX- 1.81%. Security? [Fidelity Treasury Money Market]
Replies: 10
Views: 1569

Re: FZDXX- 1.81%. Security?

protagonist wrote:
Thu May 24, 2018 11:12 pm

My understanding is that you can buy FZDXX with an initial deposit of $100K, after which there is no minimum balance and no other disadvantages vs. FZFXX.
I don't think this is true. Might want to call FIDO to verify.
by corn18
Thu May 24, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 190
Views: 21632

Re: High End Wrist Watches (Gone Crazy)

It always fascinates me that so many people feel the need to barf on any thread that talks about high end watches.

"I use my phone"
"I don't wear a watch"
"A $10 Timex tells time better"

Yeah, we get it.
by corn18
Thu May 24, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 190
Views: 21632

Re: High End Wrist Watches (Gone Crazy)

I really don't see the point of buying an analog watch. They don't do anything and the thing that they do (tell time) is inferior to a digital watch. . . . You are 100% correct. My 3 Omegas, my Doxa, my Stowa, my Nomos, and my JS (from Reykjavik) don't keep time as well as my $19.99 digital Timex f...
by corn18
Wed May 23, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 190
Views: 21632

Re: High End Wrist Watches (Gone Crazy)

Out of all of those, I wish I still had these 4:

Image
by corn18
Wed May 23, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 190
Views: 21632

Re: IWC Watch, any thoughts? [Wristwatch brand]

If anyone is still following the saga, the collection is growing. http://forums.watchuseek.com/attachment.php?attachmentid=9705874&d=1477071622 I've just started following this thread and am intrigued. What's in your collection now corn18? Also, I noticed a couple of Bremont's in your collection an...
by corn18
Wed May 23, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2359

Re: Buying a Woman's Tag Heuer On-line

I have bought and sold a lot of high end watches. The gray dealers are nice, but there is a way to have your cake and eat it, too. I bought most of my watches from dealers on rolexforums.com. They buy from dealers and get the warranty card stamped and dated then resell. I always got jomashop prices ...