Search found 351 matches

by Rajsx
Fri May 20, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions /Advice for a fresh college graduate
Replies: 33
Views: 3020

Re: Suggestions /Advice for a fresh college graduate

Fast Forward - Check Status - Still need Suggestions So, my son walked at the College Graduation Ceremony in 2015, all good & every body happy.He got a job at Campus Recruitment event with a distributor of Wines company, taking orders at the Wine Stores, earning commission as his salary, at a out of...
by Rajsx
Sun Apr 24, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 67812

Re: Question for the Bogleheads Millionaires

A good teaching/helping each other thread. ........In our case it was Education, Frugality, Investments & a little bit of luck. We are immigrants, came with suitcases in hand to this great country, but I was a doctor in my country. Passed all the Licensing exams to be a MD in USA while we were dirt ...
by Rajsx
Tue Apr 19, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 question
Replies: 5
Views: 828

Re: Form 8606 question

I am learning a lot from this Form 8606 thread

Thanks
by Rajsx
Thu Feb 25, 2016 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: How is the Class of 2015 retirement folks doing?
Replies: 18
Views: 3253

Re: How is the Class of 2015 retirement folks doing?

I retired April 2015 from work on a private disability individual policy at age 58 , which is more than sufficient for all our monthly expenses including some light travel & taxes. I did not take out any funds from the retirement savings & probably will not till age 65 when the disability income end...
by Rajsx
Wed Feb 24, 2016 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Buying Home to Downsize
Replies: 10
Views: 1615

Re: Buying Home to Downsize

That is an interesting feedback to cash in early the CDs rather than pay 2.5% interest on the HELOC. I wonder if there is a way to find out which way I will come out ahead. Leemiller, how do I calculate to find out which way I would come out ahead ? I guess, I can call and find out how much would be...
by Rajsx
Tue Feb 23, 2016 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Home to Downsize
Replies: 10
Views: 1615

Re: Buying Home to Downsize

Thanks for each of the replies, looks like I am not missing anything obvious in funding my next house purchase.
Please keep suggestions & opinions coming.

Best
by Rajsx
Tue Feb 23, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Buying Home to Downsize
Replies: 10
Views: 1615

Buying Home to Downsize

Hi Everybody, I am trying to figure out which funds to use for buying our next downsized home, I will appreciate any & all feedback. Basic Info - I am 59 & DW 55, retired April 2015, on Private Individual Policy Disabilty Income $13000/mo till my age 65, which at present we find adequate for our mon...
by Rajsx
Sat Feb 06, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Best Tips for Packing & Moving?
Replies: 14
Views: 1762

Re: Best Tips for Packing & Moving?

We will be downsizing soon & this is a learning thread for me.


Thanks
by Rajsx
Fri Dec 25, 2015 12:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Performance?
Replies: 45
Views: 5728

Re: Vanguard Personal Performance?

1yr 1.1%
3yr 7.3%
5yr 7.1%
10yr 7.0%


Best Regards & Merry Christmas
by Rajsx
Thu Dec 17, 2015 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Asking advice please at 59 1/2....
Replies: 2
Views: 418

Asking advice please at 59 1/2....

I recently turned 59 1/2 and am wondering what changes in my investments I need to make if any. I have a all vanguard portfolio at 50/50% and retired earlier this year. We do not take out/need any money from the portfolio for monthly expenses at present as we have supplemental income which more than...
by Rajsx
Sat Nov 07, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Life lessons: Making loans to friends. Insights? Revelations?
Replies: 191
Views: 24200

Re: Life lessons: Making loans to friends. Insights? Revelations?

Please SAY NO, to save yourself the pain & suffering, which entails unless you enjoy pain, suffering & regret. What happens usually is, 1)The friends/relatives get loans from some where else, life goes on or 2)They adjust to their present circumstance, tighten their belts & life goes on. They learn ...
by Rajsx
Thu Nov 05, 2015 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: What happened ???? Fidelity Retirement Investment Planner
Replies: 15
Views: 3207

Re: What happened ???? Fidelity Retirement Investment Planner

early-retirement.org has a exhaustive thread going on this very topic, http://www.early-retirement.org/forums/ ... 79121.html



Thanks
by Rajsx
Tue Nov 03, 2015 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: What happened ???? Fidelity Retirement Investment Planner
Replies: 15
Views: 3207

Re: What happened ???? Fidelity Retirement Investment Planner

I finally found the Full View on the Fidelity website, and made each of the hidden accounts to visible state. Then I found & launched the - Planning & Guidance Center from the Guidance & Retirement tab on the top, - I had to assign each one of the account I wanted for Retirement purposes & save afte...
by Rajsx
Tue Nov 03, 2015 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: What happened ???? Fidelity Retirement Investment Planner
Replies: 15
Views: 3207

What happened ???? Fidelity Retirement Investment Planner

I periodically go back to my Fidelity Retirement Investment Planner(RIP) to assess the probabilities .....etc, &&&& whoa it is not there anymore & now has been substituted with Retirement Investment Center & half my accounts in Full view are not listed & all sorts of questions are being asked .... &...
by Rajsx
Sun Oct 18, 2015 4:27 pm
Forum: Investing - Theory, News & General
Topic: Retirees doing 50/50
Replies: 35
Views: 5599

Re: Retirees doing 50/50

We retired earlier in the year - I am 59, DW 54, we have been going down in the stocks allocation over last few years from 60/40 to the present 50/50, an all Vanguard portfolio. Lately the savings have been going into cash/CDs for a 2-3 yrs worth of expenses , thus making all investment portfolio lo...
by Rajsx
Wed Oct 14, 2015 6:34 am
Forum: Investing - Theory, News & General
Topic: Is Wade Pfau right about annuities over [bond funds] in a retirement portfolio?
Replies: 67
Views: 8961

Re: Is Wade Pfau right about annuities over bonds in a retirement portfolio?

A good, informative & timely thread for me to learn from.I am in the same boat, i..e Annuities ?????

Thanks
by Rajsx
Tue Oct 13, 2015 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Does the feeling of abundance escape other Bogleheads too?
Replies: 119
Views: 28628

Re: Does the feeling of abundance escape other Bogleheads too?

Interesting that you bring up this old thread about frugality, it gave me a chance to go over some of my earlier posts. Let me recount the events in my life since then - - I sold my practice & retired early, earlier this year at age 59, lately the work environment for a doctor had become constrainin...
by Rajsx
Sun Oct 11, 2015 4:41 pm
Forum: Personal Consumer Issues
Topic: Anything bad to say about the Lexus RX-350?
Replies: 21
Views: 3629

Re: Anything bad to say about the Lexus RX-350?

We have Rx350, it is a very comfortable vehicle to do long distance travel in. We bought a 2010 in 2014 & have not had any problems so far with 42 k miles on it. Yes it is high priced, some for the Lexus batch, its perceived status & some for the perceived reliability of the Toyota Engine in them, t...
by Rajsx
Sat Jul 25, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Downsize, Reduce, Simplify.
Replies: 93
Views: 19310

Re: Downsize, Reduce, Simplify.

This is a great post, I am learning so many ways to take up this job of down sizing which we have to take upon soon, if we have to keep our sanity. Our kids have left & we empty nesters are left with a huge 3650 sq ft house & a labor intensive large yard with a pool. We are hoping to get the de clut...
by Rajsx
Wed Jul 15, 2015 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Physician: Which Job to Choose
Replies: 32
Views: 4586

Re: Physician: Which Job to Choose

I would put academic progress high in the midst of these options, I know at these beginning stages it may not matter much, as more money seems like a over riding reason in many cases. I would look at, which one of these hospitals is a teaching, tertiary care & a reputed leader in the area. The skill...
by Rajsx
Sat Jun 27, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 20051

Re: Any solo retired RVer's out there?

Thanks for the lots of information on the long drive, towing, brake controller, visiting Alaska etc...wow....a wealth of RV knowledge right here on bogleheads.......& I was browsing Forums of Escape owners,... Fiberglassrv...etc. It sounds like we may have to have them store it till April or so alth...
by Rajsx
Sat Jun 27, 2015 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Personal accounting software
Replies: 23
Views: 4034

Re: Personal accounting software

I have been using MINT for about 3 to 4 yrs, I like the ease with which I can look at the total financial picture, but getting sick of the Ads. I understand they have to have the ADs to pay to run the website. I do not know if they pass on the emails to other finance companies(business partners??) a...
by Rajsx
Fri Jun 26, 2015 7:48 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 90
Views: 20051

Re: Any solo retired RVer's out there?

We too just retired and want to be novice weekend Rvers, and learned a lot about smaller Fiber Glass Trailers at fiberglassrv.com. After debating between a Casita & Escape for some time I just put a deposit, to be on the waiting list for a 17' B Escape from BC, Canada. It is scheduled to be complete...
by Rajsx
Tue Jun 23, 2015 8:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 4494

Re: Happy Birthday to Mel [Lindauer]

Happy Birthday Mel !!

We appreciate you, many more birthdays to come.

Best Wishes
by Rajsx
Tue Jun 23, 2015 5:57 am
Forum: Personal Finance (Not Investing)
Topic: A Car Maintenance Log/website ??
Replies: 9
Views: 1433

Re: A Car Maintenance Log/website ??

Thanks for your time writing the post/feedback JDCarpenter, investor, FrugalInvestor & southbay . My Car Glove Box gets so cluttered, that sometimes finding the Car Reg./Car Insurance papers becomes a little hard , that is why I changed to Online scanning/saving the receipts...etc. Anybody else who ...
by Rajsx
Mon Jun 22, 2015 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: A Car Maintenance Log/website ??
Replies: 9
Views: 1433

A Car Maintenance Log/website ??

Hi, I am looking for a paid/free Car Maintenance Website, where I can upload receipts, get Oil Change/Tire Rotation reminder emails, keep up with car maintenance with our 3 cars. I have been using Repairpal.com, but it does not upload documents any more. Any suggestions ? What do you use for keeping...
by Rajsx
Sat Jun 06, 2015 5:50 pm
Forum: Personal Consumer Issues
Topic: Buying Used Car on eBay
Replies: 27
Views: 3523

Re: Buying Used Car on eBay

I bought my Avalon XLS about 7 yrs back from a used car dealer on EBay, luckily I have not had any major problems. I did get a independent inspection, which helped me get the scratches of the car color touched upd. When I flew to finally pick up my car after paying the full amount, it was a seedy/ g...
by Rajsx
Mon Jun 01, 2015 11:37 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 73
Views: 14351

Re: Perpetual Travelling

Recently retired at 58 & DW 54 and we are planning to travel. Looking at RVs to buy one, but the above ways to travel also look interesting.

Best
by Rajsx
Sun May 10, 2015 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Variable Annuity
Replies: 27
Views: 3657

Re: Vanguard Variable Annuity

We too are looking into an immediate/deferred longevity annuity,, although I do have a variable annuity with Vanguard which has been invested in Total Bond Index. To be honest I do not know what to do with the Variable annuity. One year about more than 10 yrs back, after contributing to our IRAs we ...
by Rajsx
Tue Apr 28, 2015 10:25 am
Forum: Personal Consumer Issues
Topic: Prepping a house for sale: What are the priorities?
Replies: 33
Views: 5615

Re: Prepping a house for sale: What are the priorities?

- Pick the right Realtor,( I know it is a kind of crap shoot ) - When we sold our last house about 13 yrs back, we picked a "good realtor" (as we were told by friends), it was a long drawn/disappointing affair - both in the sale price got & the long time it took to close. -Yes, we interviewed 3 real...
by Rajsx
Tue Apr 28, 2015 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Which SPIA ?
Replies: 20
Views: 3004

Re: Which SPIA ?

I am facing two questions in my preparation to buy an annuity - 1) Do I or my wife buys the annuity for a possible better payout. No one has seen the future but sort of hedging my bets. I am 58, have multiple illnesses including Diabetes & Hypertension. DW is 54 and is in relatively good health. We ...
by Rajsx
Mon Apr 27, 2015 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Which SPIA ?
Replies: 20
Views: 3004

Re: Which SPIA ?

Thanks Alan, that web site was very helpful, I understand in Florida up to $250k is covered by the guarantee organization per policy/annuity insurance company. I understand I may have multiple annuity policies from different insurers, but each not to exceed 250k. if I want to play safe as far as the...
by Rajsx
Mon Apr 27, 2015 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Which SPIA ?
Replies: 20
Views: 3004

Re: Which SPIA ?

Thanks everybody for your helpful input so far. I have got quotes from Income Solutions via Vanguard, but they sent me only one company's quote. I have gone thru the Stan the Annuity Man website & the Comdex Report , and will try Immediate annuities & read the helpful article about the Annuity costs...
by Rajsx
Sun Apr 26, 2015 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Which SPIA ?
Replies: 20
Views: 3004

Which SPIA ?

I am researching SPIA for myself, and I am curious which Ins/Annuity Company other Forum Members went with & why ?

Any & all input would be appreciated.


Best Regards
by Rajsx
Thu Apr 23, 2015 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Florida Prepaid vs. 529 vs. Both?
Replies: 35
Views: 11087

Re: Florida Prepaid vs. 529 vs. Both?

Yes, I am probably mistaken, about what I mentioned in my earlier post. I apologize, I did not want to confuse the forum. Our daughter started her Private College in 2002, the FPP refund could have very well been the tuition due at the Fl state schools at that point in time. I do remember the OUCH f...
by Rajsx
Thu Apr 23, 2015 4:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 248
Views: 46597

Re: Roll Call for the Retirement Class of 2015!

Hi, I sold my practice to another group and I & DW retired April 1st 2015. I am 58 & DW is 54, so a little early in starting retirement. Although I am still in the withdrawal stage, many good & not so good events in close family have kept us very occupied. - The good ones, - -our son will graduate c...
by Rajsx
Thu Apr 23, 2015 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Florida Prepaid vs. 529 vs. Both?
Replies: 35
Views: 11087

Re: Florida Prepaid vs. 529 vs. Both?

"I also like the idea that the FPP could be payed off in as early as 5 years, 55 months, and you're done. Future contributions, if any, go to the 529 plan". -----------------------------------------------------------------------------------------------------------------------------------------------...
by Rajsx
Thu Apr 23, 2015 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Recommended stock to bond ratio??
Replies: 15
Views: 4510

Re: Recommended stock to bond ratio??

Levett wrote: Wonderful post, as usual, Nisi. Few people make more effective pedagogical use of Morningstar data than you. Lev +1. I agree. Nisi makes his points with solid data in a very simple way. ----------------------------------------------------------------------------------------------------...
by Rajsx
Thu Apr 23, 2015 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Still having a hard time on retiring
Replies: 49
Views: 12479

Re: Still having a hard time on retiring

- ImmediateAnnuities.com - Work 2 - 3 days per week - Plan & do what what else you love to do besides work - Spend time with family/friends, longer visits - Take a cruise with your spouse I just retired earlier in the month, after selling the practice which I had started & am myself going through th...
by Rajsx
Sun Apr 05, 2015 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Renting in Retirement - Considerations?
Replies: 53
Views: 6257

Re: Renting in Retirement - Considerations?

I agree with Victoria on pluses of renting, you cannot beat the care free attitude a renter would have ( I was a renter about 22 years back, before started owning our home). I wonder, if anybody owns/lives in a active 55 community, there are numerous of these in Florida, in fact one golf course comm...
by Rajsx
Sun Apr 05, 2015 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Renting in Retirement - Considerations?
Replies: 53
Views: 6257

Re: Renting in Retirement - Considerations?

Interesting thread, I just retired and this issue has been in the back of my mind. We too are empty nesters, a large house in a suburb, use half the house we live in, want to spend time doing things we like and not the chores in and around the house. Yes financially it may even make sense to rent. T...
by Rajsx
Fri Mar 13, 2015 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: At what point is it too much house? How much do we need?
Replies: 52
Views: 11406

Re: At what point is it too much house? How much do we need

Hi, we are also on the love/hate relationship of a large 13 yr old, paid off, 3600 sq ft area. Last several years I was wanting to sell it & move across town to a smaller 2000 sq ft house, but the real estate values were down, that and the work was/is closer, so that prevented us to make the change....
by Rajsx
Sun Mar 01, 2015 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 322
Views: 73427

Re: If your networth is over $3 million, how did you do it?

Simple, the same way you did for your 1st million bucks, really nothing different. Anyway, in my case - Professional job with a good income, a hard training for, and a hard job, often 60-80 hrs/wk involving nights & weekends. - Take full advantage of savings at work, 401ks, profit sharing plans...et...
by Rajsx
Thu Jan 22, 2015 9:45 am
Forum: Investing - Help with Personal Investments
Topic: ANNUITY is unaccaptable & not a good word
Replies: 8
Views: 1324

Re: ANNUITY is unaccaptable & not a good word

Thanks for your input. Social Security is already planned at age 70 in our plans. A correction, my Stocks are 40% and Bonds & CDs are 60%, instead of the reverse as noted in my earlier post. Regarding immediate annuities, do any of the forum members own one or knows some one who does, is a particula...
by Rajsx
Wed Jan 21, 2015 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: ANNUITY is unaccaptable & not a good word
Replies: 8
Views: 1324

ANNUITY is unaccaptable & not a good word

Having said that, I am still looking for something similar investment vehicle/product, WHY? - We are about to retire at age 58 and DW 53 with a sizable nest egg, with a Stock/Bond asset allocation of 60/40%, where a 3% withdrawal rate will be enough for all expenses in retirement, not including the ...
by Rajsx
Mon Jan 12, 2015 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Two Homes in Retirement?
Replies: 38
Views: 5544

Re: Two Homes in Retirement?

Hi Bkinder,

Have you thought of an RV to travel and live in while visiting Atlanta from your Florida active Senior community. You can travel many other places too if you want to. People also do well with a Travel Trailer, which they tow by their SUV daily driver .

Just a thought


Best
by Rajsx
Mon Jan 12, 2015 11:46 am
Forum: Investing - Theory, News & General
Topic: Expected Rate of Return while Increasing Bond Allocation
Replies: 4
Views: 1064

Re: Expected Rate of Return while Increasing Bond Allocation

- Another 50/50 guy here, 2014 return was 8% & satisfied with that, I am at brink of retirement at age 58.

Best wishes
by Rajsx
Fri Jan 09, 2015 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: TD Over the Limit Contribution, NOW WHAT ?
Replies: 3
Views: 749

Re: TD Over the Limit Contribution, NOW WHAT ?

Excuse my ignorance. I purchased $10k of I Bonds(Max allowed in a yr) for me and DW. I checked the Treasury Direct Website just now, it does show they have been credited to our respective accounts (Not returned as the email from TD had mentioned). Yes, our TD accounts show I bonds purchased in 3/201...
by Rajsx
Fri Jan 09, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: TD Over the Limit Contribution, NOW WHAT ?
Replies: 3
Views: 749

TD Over the Limit Contribution, NOW WHAT ?

I had contributed 10k each to the TREASURY DIRECT, for my wife & myself in march 2014, thinking it was 2013 contribution - (as customary in an IRA) Last month I contributed again the 10k each, thinking in my mind these were for 2014. NOT! I got a email stating I have over contributed, and when I cal...
by Rajsx
Thu Jan 01, 2015 9:10 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 255
Views: 35689

Re: What do you drive, and why?

I drive a 2003 Avalon XLS with 110k miles- -A very comfortable and a good looking car - Low maintenance and very reliable - Very roomy, fits 5 people comfortably and a large trunk - Bought it in 2008, at 23k miles, paid cash for $13.5k - Showing age now, changed the A/C compressor, shows engine ligh...