Search found 547 matches

by 2pedals
Thu Jul 19, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Good to Go, yes/no?
Replies: 21
Views: 2050

Re: Good to Go, yes/no?

All, thanks for the encouragement and kudos Last year I was thinking and asked for help on deciding pension option 100%, 75% and 50% J&S. In general is was steered toward selecting the 100% J&S, I am and DW is okay with that. Pension starts the beginning of 1 month after I quit working. Retiree medi...
by 2pedals
Thu Jul 19, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Good to Go, yes/no?
Replies: 21
Views: 2050

Re: Good to Go, yes/no?

Pajamas wrote:
Wed Jul 18, 2018 11:45 pm
Sounds fine. Are you going to take the lump sum? At least compare an annuity purchased with a lump sum to the pension. I would worry some about the pension over the long term even if it is well-funded, especially considering the need for a freeze.
My current plan is to take the 65k 100% J&S.
by 2pedals
Wed Jul 18, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Good to Go, yes/no?
Replies: 21
Views: 2050

Good to Go, yes/no?

I am looking forward to retirement within this year or early next year but I want to ask the bogleheads what do you think. I have been planning for my early retirement at age 59. DW age at 57 currently retired. No debt mortgage free, Washington State (no income tax) but high sales taxes. My current ...
by 2pedals
Sun Jul 15, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to apply safe withdraw rule?
Replies: 5
Views: 778

Re: How to apply safe withdraw rule?

Safe for who?
I would say 2.5% is safe in general but, it all depends on your asset allocation, income stream, retirement period, stock market performance etc.
by 2pedals
Sun Jul 15, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5432

Re: Bears!!!

I think I would contact Patti Sowka the person that wrote this article. Her email is listed and ask for her suggestions.
by 2pedals
Sun Jul 15, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 182
Views: 27201

Re: Torn between Vanguard, Fidelity and Schwab

I have been at Fidelity since 1983 and can't remember a single instance where I would call it a sales pitch. They always talked to me about what options and services are available to the investor only and if only I ask them about something specific. Never have they approached me and tried to sell t...
by 2pedals
Fri Jul 13, 2018 9:00 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17916

Re: COMING SOON: BOGLEHEADS PODCASTS

LadyGeek, I’ll be discussing Bogleheads philosophy, portfolio strategy and discipline tactics with each guest and soliciting their unique views. Rick Ferri How about Bogleheads Views and Ideas Do we really need investing in along with the Bogleheads name? It's like saying I need some Kleenex tissue...
by 2pedals
Thu Jul 12, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17916

Re: COMING SOON: BOGLEHEADS PODCASTS

Podheads & Bogleheads
by 2pedals
Thu Jul 12, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17916

Re: COMING SOON: BOGLEHEADS PODCASTS

The POB POD

for
The Place Of Bogleheads PODcasts.
by 2pedals
Wed Jul 11, 2018 10:31 am
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11919

Re: SS taken at 62 vs. 70, but measured from 70+

Women leave work more than 2 years earlier than men on average after receiving less pay during their working years. They need to take SS when they leave the workforce just like most folks retiring as they have no real savings to support the retirement. I believe this but it seems counter-intuitive....
by 2pedals
Tue Jul 10, 2018 9:42 pm
Forum: Investing - Theory, News & General
Topic: Market Timing - A fool's game?
Replies: 27
Views: 2400

Re: Market Timing - A fool's game?

Set you asset allocation and range. Enjoy you life, "micro market timing" :( sounds too stressful to me to be fun. :happy
by 2pedals
Sun Jul 08, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11919

Re: SS taken at 62 vs. 70, but measured from 70+

Cut and paste from article... And women retire at an average age of 62, a figure that has barely budged in a decade, according to a study by the Center for Retirement Research at Boston College. ...... But if she files at 62, she would only be eligible for her reduced benefit or as little as 32.5 p...
by 2pedals
Sun Jul 08, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11919

Re: SS taken at 62 vs. 70, but measured from 70+

munemaker wrote:
Sun Jul 08, 2018 2:49 pm
Interesting that women claim earlier but live longer. Seems counter intuitive.
Maybe not if spousal benefits are available and lower earner.
by 2pedals
Sun Jul 08, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: New ladies bike: recommendations
Replies: 17
Views: 1158

Re: New ladies bike: recommendations

I would be looking at something like a fitness bike (Trek or Specialized) in the price $700-$1000 range, like the Specialized Sirrus Sport Disc. retail is about $800, you may be able to find one on sale. I would stay away from the MSRP bikes that are say <$600, the quality of components may not be s...
by 2pedals
Sat Jul 07, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11919

Re: SS taken at 62 vs. 70, but measured from 70+

This complcated relationship between other income, SS benefits, and the marginal amount of SS that is taxed can be seen on the lower graph (the one in red) on the Main sheet of my Marginal Tax Rates spreadsheet. Blank cell B7 to choose SS benefit as the variable to graph. Thank you #Cruncher FYI An...
by 2pedals
Thu Jul 05, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: How I use I-ORP, and who shouldn't
Replies: 155
Views: 19597

Re: How I use I-ORP, and who shouldn't

SpideyIndexer wrote:
Thu Jul 05, 2018 9:09 pm
An old thread...but how does one get I-ORP to consider Roth conversions?
Use the extended version and select one of the options in IRA to IRA Roth conversions.

Image
by 2pedals
Thu Jul 05, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11919

Re: SS taken at 62 vs. 70, but measured from 70+

OP Are you married have a significant other, have kids and do you have legacy reasons to be saving your money? If you are investing your money in retirement, sequence of return risks may reduce your safe withdrawal rate. The older you get the less time you have to make up for market drops and you ma...
by 2pedals
Wed Jul 04, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: 28 w/heavy small cap tilt?
Replies: 41
Views: 3228

Re: 28 w/heavy small cap tilt?

How sure are you the small-firm effect will continue? Before you make a decision to do a "very small cap tilt" I would suggest reading: A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing by Burton G. Malkiel . I will save you "reading" time. This is what Professor Mal...
by 2pedals
Wed Jul 04, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 11919

Re: SS taken at 62 vs. 70, but measured from 70+

Basically the SSA actuaries will have priced social security to be neutral ie you are no worse off what you do IF you live an average life span. Question: Does this mean a social security recipient would receive roughly the same amount of money from social security regardless of when they start dra...
by 2pedals
Wed Jul 04, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: 28 w/heavy small cap tilt?
Replies: 41
Views: 3228

Re: 28 w/heavy small cap tilt?

How sure are you the small-firm effect will continue?

Before you make a decision to do a "very small cap tilt" I would suggest reading: A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing by Burton G. Malkiel.
by 2pedals
Tue Jul 03, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Tech tilt as hedge against rising cost of living in Bay Area
Replies: 37
Views: 3010

Re: Tech tilt as hedge against rising cost of living in Bay Area

I would not reduce stock diversification for COL reasons.
by 2pedals
Tue Jul 03, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 13610

Re: Best 401k Employer Match Structure

About 200% of the first 8%.
Up to 30% of base pay in pre-tax, after tax basis, Roth, or a combination within federal limits. After tax in service withdrawals are allowed (mega Roth conversions).
by 2pedals
Tue Jul 03, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 8697

Re: Any Boglehead powerlifters?

Powerlifting is that when someone buys powershares? :twisted:
by 2pedals
Tue Jul 03, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1944

Re: Transporting bikes with an SUV?

Related question to rear mounts: I pass cars on the highway with rear mounts that cover the license plate? Is this legal? Seems like it shouldn't be. Not legal to obstruct license plates. When the kids were young, we did this a lot (carry bikes on the back obstructing view of plate), including long...
by 2pedals
Tue Jul 03, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1944

Re: Transporting bikes with an SUV?

I never considered the insurance issue....then again I don't have $20K worth of bicycles. I don't either, but we take turns driving and a couple of the guys I ride with (Ironman competitors) have much nicer bikes than I do. :happy I don't mean to seem cold and heartless. But their bikes are their r...
by 2pedals
Tue Jul 03, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1944

Re: Transporting bikes with an SUV?

Get a trailer hitch and a bike rack that works with your hitch (1.25" or 2" receiver). I have the Kuat Beta 2 and have seen nothing better. It is lightweight (aluminum) has a internal clamp in the receiver to reduce receiver play and rattle. I do not like the more expensive tray racks, I have yet to...
by 2pedals
Sun Jul 01, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10904

Re: Lost out on promotion

I am sorry you lost out on a promotion, I am sure other opportunities will present themselves. I would like to add many times the boss makes up reasons for not promoting people, many times the decision is not clear cut at all. Almost everyone is qualified for a promotion to a higher level because th...
by 2pedals
Sun Jul 01, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4267

Re: Any Reason to Keep My "Landline" Phone?

I use Ooma as VoIP landline, taxes and fees comes to ∼5 per month (cost includes E911). You can also look into Obihai 2xx devices to use along with Google Voice (no ongoing cost), however if you want E911 you need subscribe to something else with a nominal fee. Could someone briefly summarize Ooma,...
by 2pedals
Sun Jul 01, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 81
Views: 6989

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

I am sure that some VRBO and Airbnd properties are very nice. I only used VRBO once for a condo rental several years ago. I was generally happy with the rental. It had somethings I liked and disliked about it. The furniture and kitchen was outdated, unlike what I was used to when renting. I have rea...
by 2pedals
Sun Jun 24, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7837

Re: Trust Help From Cruel Stepmother

I am so sorry for your loss and ordeal. My mother went through a similar situation when her father passed away. She was heart broken, again I am so sorry for you and your family. Contact a family lawyer. I have little faith that your stepmother will ever respect your father's last wishes but maybe y...
by 2pedals
Sun Jun 24, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: some rethinking on taxable and retirement accounts with 2018 tax law
Replies: 8
Views: 1171

Re: some rethinking on taxable and retirement accounts with 2018 tax law

Tax deferral is usually good, and there are lots of variables and unknowns. Assuming that the taxes stay as they now are, am I right in thinking that putting dividend stocks in your taxable portfolio makes sense if .... What about several years from now and you have a higher income. If you are not ...
by 2pedals
Sat Jun 23, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 6878

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

Does your employer have an employee assistance program, where you can discuss your issues in a anonymous way? In my experience, these supposedly anonymous programs can leak information back to the employer HR dept. Mine did. I would NOT trust any employer sponsored program that claims to be anonymo...
by 2pedals
Sat Jun 23, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: taxable account advice
Replies: 3
Views: 439

Re: taxable account advice

You have not shared your investment selections so hard to give advise. Based on what you posted I would leave any of your index stock funds alone since they are already tax efficient. Also, other funds can be converted to tax efficient index funds over time but I think I would leave them alone unles...
by 2pedals
Sat Jun 23, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 6878

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

Does your employer have an employee assistance program, where you can discuss your issues in a anonymous way? Are there other jobs that your are qualified within your company that reports to a different boss? Explore your avenues. Some jobs are better than others mainly because you can get along wit...
by 2pedals
Sat Jun 23, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Career Burn Out: Should I quit high paying job and take a sabbatical?
Replies: 55
Views: 6878

Re: Career Burn Out: Should I quit high paying job and take a sabbatical?

In first blush, I don't like it. Bouncing around too many times with or without a "sabbatical" will make you look unprofessional. You must stay on a steady and sure plan if you want to save that 5+ mil. I am okay with finding a different job if you KNOW you can live with it for a few years, but it's...
by 2pedals
Sat Jun 23, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 21645

Re: Can you retire on $2M?

Here is the example I am using, this lady "retired" at 28: http://money.cnn.com/2017/08/02/pf/early-retirement/index.html I guess I should have started there, if she's retiring with $2.25M is that really sustainable? She's doing withdrawals currently and still has a long time to go. I do not like t...
by 2pedals
Sat Jun 23, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: All of the options on a new mortgage
Replies: 2
Views: 293

Re: All of the options on a new mortgage

It's a very hard to give advise without knowing some of your important stats, i.e. what is your income, age, other savings, investments, when do you expect to retire, expenses, family members, how long do you plan to live in new house, etc. In general I would work with a mortgage broker and real est...
by 2pedals
Fri Jun 22, 2018 7:25 pm
Forum: Investing - Theory, News & General
Topic: Factor Investing Makes Someone Money, But Maybe Not You
Replies: 126
Views: 9569

Re: Factor Investing Makes Someone Money, But Maybe Not You

All the chatter about tilting to factors today reminds me of the excitement of tilting to industry sector funds when they flourished in the 1990s. Rick Ferri +1, the sector funds of the 2010s. No one knows which factor to use or how much tilt belongs in the allocation. How does one know which one w...
by 2pedals
Fri Jun 22, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: POS Terminals & Tablets [Point of Sale]
Replies: 3
Views: 334

POS Terminals & Tablets [Point of Sale]

What is your view of point of sales terminals Ziosk and tablets at casual restaurant chains such as Chili's, Olive Garden, Applebee's, Red Robbin for the past few years? I think they are noticeable in an unwelcome and intrusive way. Some issues I have had follows: A kid touched it and auto added $2 ...
by 2pedals
Mon Jun 18, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 32068

Re: Concierge medicine Worth It????

I need to correct myself. My employer offers Kaiser (formerly known as Group Health), I was unaware of the buyout. Personally I do not know anybody that signed up because of it is such an expensive option, more than 1,000/mo. above my current option . Strange! In recent years, Kaiser coverage throu...
by 2pedals
Sun Jun 17, 2018 9:45 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 112
Views: 12955

Re: Very confused with the current market

The market doesn't care what you think, you are one small fish in the sea.
by 2pedals
Sat Jun 16, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: New Fidelity Freedom Funds?
Replies: 11
Views: 2180

Re: New Fidelity Freedom Funds?

Fidelity does not make it easy to find the Freedom Index Funds. Under their Asset Allocation Tab - The Index version does not show up. Fidelity Target It never has shown up. When you do a search on the Fidelity site, they do show up. I check them from time to time, since I like the Fidelity glide p...
by 2pedals
Sat Jun 16, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 32068

Re: Concierge medicine Worth It????

Seems to me that the added $100/month or so is not really that much more. Also seems puzzling how these physicians can net as much when cutting back on patients. No Kaiser plan is not offered in my area and by my employer. My employer offers Blue Cross Blue Shield PPO plans and Group Health at a mu...
by 2pedals
Sat Jun 16, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 32068

Re: Concierge medicine Worth It????

My wife and I have been seen by a concierge physician for nearly 10 years. Some of the advantages from my perspective: 1. 24/7 availability to speak to doctor by phone. 2. Email questions to doctor. 3. They know the best specialists and seem to get you in on a priority basis. 4. They will go with y...
by 2pedals
Sat Jun 16, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 32068

Re: Concierge medicine Worth It????

Seems to me that the added $100/month or so is not really that much more. Also seems puzzling how these physicians can net as much when cutting back on patients. No Kaiser plan is not offered in my area and by my employer. My employer offers Blue Cross Blue Shield PPO plans and Group Health at a mu...
by 2pedals
Sat Jun 16, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 303
Views: 32068

Re: Concierge medicine Worth It????

My wife and I have been seen by a concierge physician for nearly 10 years. Some of the advantages from my perspective: 1. 24/7 availability to speak to doctor by phone. 2. Email questions to doctor. 3. They know the best specialists and seem to get you in on a priority basis. 4. They will go with y...
by 2pedals
Sat Jun 16, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: New refrigerator issues
Replies: 18
Views: 1867

Re: New refrigerator issues

Can you explain the loud noise it often makes? i.e. loud humming or metallic rattle.
by 2pedals
Sat Jun 16, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 12712

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

I'm a pretty strict boglehead. The one guide I don't do is a written out directive Investment Plan Statement. There's no Boglehead rule saying you have to have a written out IPS. There aren't really any Boglehead rules. The closest things are the Bogleheads principles: https://www.bogleheads.org/wi...