Search found 2671 matches

by fortfun
Sun Jan 12, 2020 10:26 pm
Forum: Personal Investments
Topic: Roth vs Traditional? Is my calculation correct? HELP!
Replies: 34
Views: 1332

Re: Roth vs Traditional? Is my calculation correct? HELP!

In terms of figuring out your tax rate in retirement, you need to know when you will take SS, the amount you might be able to Roth convert between retirement and taking SS, and perhaps between retirement and age 72 when RMD's begin. You'll need to estimate what your Traditional balances will be at ...
by fortfun
Sun Jan 12, 2020 10:18 pm
Forum: Personal Investments
Topic: Roth vs Traditional? Is my calculation correct? HELP!
Replies: 34
Views: 1332

Re: Roth vs Traditional? Is my calculation correct? HELP!

Have you look at the bigfoot's RPM? Tax deferred now and Roth conversions after retirement might make more sense if you income is lower in early retirement (before RMDs and SS). https://www.bogleheads.org/wiki/Retiree_Portfolio_Model I have not. Just downloaded it now. Thanks for sharing. Whoa! Tha...
by fortfun
Sun Jan 12, 2020 10:16 pm
Forum: Personal Investments
Topic: Roth vs Traditional? Is my calculation correct? HELP!
Replies: 34
Views: 1332

Re: Roth vs Traditional? Is my calculation correct? HELP!

Are your sure about your deductions above? Taxes aren't tax deductible. Not sure about pension and defined contributions either. But if your Traditional contributions do in fact drop you into the 12% tax bracket, then having your wife contribute to Roth makes sense. Just looked at pay stub. Taxes a...
by fortfun
Sun Jan 12, 2020 10:07 pm
Forum: Personal Investments
Topic: Roth vs Traditional? Is my calculation correct? HELP!
Replies: 34
Views: 1332

Re: Roth vs Traditional? Is my calculation correct? HELP!

rkhusky wrote:
Sun Jan 12, 2020 10:02 pm
What tax rate will you pay to contribute to a Roth.
What tax rate will you pay to withdraw from Traditional accounts in retirement?
If the former is higher, choose Traditional. Otherwise choose Roth.
Not sure. That's why I'm asking :) I guess somewhere between 22 and 24.
by fortfun
Sun Jan 12, 2020 9:56 pm
Forum: Personal Investments
Topic: Roth vs Traditional? Is my calculation correct? HELP!
Replies: 34
Views: 1332

Roth vs Traditional? Is my calculation correct? HELP!

DW has the option for traditional OR Roth in her 403b AND 457. I only have traditional in my 401k AND 457. How do we decide which to use for hers? Does someone have a spreadsheet for this? My hunch is to do Roth for DWs. Situation Now: 180k gross salary - about 60k for deductions (his 401k & 457, ta...
by fortfun
Sat Jan 11, 2020 10:23 pm
Forum: Personal Investments
Topic: Math/MS Access question
Replies: 12
Views: 913

Re: Math/MS Access question

I'd use Excel. Access is a terrible program, IMHO. I know, not your question.
by fortfun
Sat Jan 11, 2020 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Carrying to much cash to Ecuador
Replies: 53
Views: 4405

Re: Carrying to much cash to Ecuador

mkatz wrote:
Sat Jan 11, 2020 2:39 am
Bigfish, care to share the name of the local tour company? I'd prefer visiting Equador and Galapagos with a small group...
We went on the Coral 1 last summer. 23 passengers most of the trip. Coral 2 is even smaller. Had a wonderful time. Go Galapagos was the tour company (thru Klein tours).
by fortfun
Sat Jan 11, 2020 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Carrying to much cash to Ecuador
Replies: 53
Views: 4405

Re: Carrying to much cash to Ecuador

I absolutely would bring the $1400 tho in cash. U will save a lot of atm fees. Just don't check it in your luggage. I was having to do multiple withdrawals per day bc they limit per transaction, and the fee is not trivial. Many of the tour groups and dive operators only take cash. Ferries only take...
by fortfun
Sat Jan 11, 2020 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Carrying to much cash to Ecuador
Replies: 53
Views: 4405

Re: Carrying to much cash to Ecuador

The tour company is owned and run by locals. It is a small boat, 14 guests, and is a modestly priced trip. The gratuities mentioned are suggestions only, as with most tipping could be more or less depending on how one feels about the service. They suggest cash only and did not mention credit cards....
by fortfun
Sat Jan 11, 2020 9:35 pm
Forum: Investing - Theory, News & General
Topic: Making total world fund with Fidelity funds?
Replies: 6
Views: 523

Re: Making total world fund with Fidelity funds?

snailderby wrote:
Sat Jan 11, 2020 9:05 pm
If this is in a regular Fidelity account, can you buy VT commission free?
No, DWs 403b with limited Fidelity choices...
by fortfun
Sat Jan 11, 2020 8:27 pm
Forum: Investing - Theory, News & General
Topic: Making total world fund with Fidelity funds?
Replies: 6
Views: 523

Re: Making total world fund with Fidelity funds?

Thanks gentlemen. I've got DW's set to 75/25. I'm still not fully sold on international but probably should be based on the predictions.
by fortfun
Sat Jan 11, 2020 7:54 pm
Forum: Investing - Theory, News & General
Topic: Making total world fund with Fidelity funds?
Replies: 6
Views: 523

Making total world fund with Fidelity funds?

What funds and what percentage would you use?
Thanks!
by fortfun
Fri Jan 10, 2020 11:36 pm
Forum: Personal Consumer Issues
Topic: Updating breaker box from 1970's - AFCI
Replies: 29
Views: 2539

Re: Updating breaker box from 1970's - AFCI

If you plan to do the work yourself, consider pulling a permit with your state, county, or city. I did that with my basement and the state inspectors were incredibly helpful. Of course, my state could be exceptional. I was able to call them whenever I had questions and they came to inspect three tim...
by fortfun
Fri Jan 10, 2020 5:56 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 11741

Re: Where do you keep your Emergency Funds? How is it invested?

I keep bouncing it around various banks to earn sign up bonuses. $300 just posted today for US Bank that i opened 56 days ago and funded with $2,000. The bonus is taxable, but even if I keep just $200 of it, that's still a 65+% interest rate. No early termination fee for closing the account, so I'l...
by fortfun
Thu Jan 09, 2020 3:31 pm
Forum: Personal Consumer Issues
Topic: At what point do you donate/trash/sell/gift your junk?
Replies: 75
Views: 4978

Re: At what point do you donate/trash/sell/gift your junk?

I think you are suffering from sunk cost fallacy--we all do. Read this article, and then donate your things to a worthy cause. I need to do the same thing and reading this article helps me understand why its hard to do this from a psychological standpoint. https://time.com/5347133/sunk-cost-fallacy-...
by fortfun
Sun Jan 05, 2020 5:28 pm
Forum: Personal Consumer Issues
Topic: Jumper cables
Replies: 83
Views: 5557

Re: Jumper cables

Skip the cables! For around $70, just get an emergency charger. Store it in your glove box. Stays charged for quite a long time and can easily be charged. Doubles as a phone charger. I think my days of using jumper cables are officially over! I have this one: https://www.amazon.com/DBPOWER-18000mAh-...
by fortfun
Sun Jan 05, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Insurance in Central Europe (Prague to Dubrovnik)
Replies: 19
Views: 751

Re: Rental Car Insurance in Central Europe (Prague to Dubrovnik)

Rental Car Insurance in Central Europe (Prague to Dubrovnik) Insurance is cheap compared to the cross-country fee from Czechia to Croatia. Avis and Enterprise won't even quote a one-way rental from Prague to Dubrovnik. Hertz, Europcar, and Sixt are quoting cross-country fees of $900 to $1,300. That...
by fortfun
Sun Jan 05, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Insurance in Central Europe (Prague to Dubrovnik)
Replies: 19
Views: 751

Re: Rental Car Insurance in Central Europe (Prague to Dubrovnik)

Thanks for the helpful answers everyone. Lots to go on here..
by fortfun
Sat Jan 04, 2020 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Insurance in Central Europe (Prague to Dubrovnik)
Replies: 19
Views: 751

Re: Rental Car Insurance in Central Europe (Prague to Dubrovnik)

I’ve done this route before and understood that the state-mandated liability insurance throughout the region is quite high such that I didn’t have to buy my own—and that supplemental wasn’t available anyway. By contrast, I always buy SLI in the US. Does that mean it is built into the rental car pri...
by fortfun
Sat Jan 04, 2020 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Insurance in Central Europe (Prague to Dubrovnik)
Replies: 19
Views: 751

Rental Car Insurance in Central Europe (Prague to Dubrovnik)

We can get a rental car for a month for $1,200. The credit card will cover car damage. I'm assuming I'll need to purchase liability insurance. About how much will that cost and am I missing anything else?
by fortfun
Sat Jan 04, 2020 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Spreadsheets - Out of here!
Replies: 134
Views: 14169

Re: Spreadsheets - Out of here!

DW and I have so many work and individual accounts that we must use one to see when we hit that 25times annual expenses magic number. Maybe when we have two accounts, I'll delete ours too.
by fortfun
Sat Jan 04, 2020 5:09 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance question-Updated w/ specific policy language.
Replies: 2
Views: 258

Re: Travel Insurance question-Updated w/ specific policy language.

If you miss a secondary flight, not part of the same ticketed flight, due to a flight delay, does travel insurance cover the cost of a new ticket? Based on this policy, it would seem that as long as your 2nd flight was greater than 3 hours later than the arrival of the first flight, it would pay fo...
by fortfun
Sat Jan 04, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: Booking flights with EasyJet/DoHop via Google Flights (Norwegian Air)
Replies: 5
Views: 330

Re: Booking flights with EasyJet/DoHop via Google Flights (Norwegian Air)

Nothing wrong with discount airlines generally except for the higher possibility that they change/cancel flights or go out of business (sometimes in the middle of your trip). That's just a business risk you have to accept. For many bogleheads the extra costs that result from that happening to them ...
by fortfun
Sat Jan 04, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance question-Updated w/ specific policy language.
Replies: 2
Views: 258

Travel Insurance question-Updated w/ specific policy language.

If you miss a secondary flight, not part of the same ticketed flight, due to a flight delay, does travel insurance cover the cost of a new ticket? Based on this policy, it would seem that as long as your 2nd flight was greater than 3 hours later than the arrival of the first flight, it would pay for...
by fortfun
Sat Jan 04, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: Booking flights with EasyJet/DoHop via Google Flights (Norwegian Air)
Replies: 5
Views: 330

Re: Booking flights with EasyJet/DoHop via Google Flights (Norwegian Air)

It seems booking with EasyJet/DoHop (using Norwegian Air) is the least expensive way to get our family of four to Prague and out of Dubrovnik. The actual prices end up being higher than what's shown in Google flights but still way less than all the other airlines. Has anyone used EasyJet/DoHop to b...
by fortfun
Sat Jan 04, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: Booking flights with EasyJet/DoHop via Google Flights (Norwegian Air)
Replies: 5
Views: 330

Booking flights with EasyJet/DoHop via Google Flights (Norwegian Air)

It seems booking with EasyJet/DoHop (using Norwegian Air) is the least expensive way to get our family of four to Prague and out of Dubrovnik. The actual prices end up being higher than what's shown in Google flights but still way less than all the other airlines. Has anyone used EasyJet/DoHop to bo...
by fortfun
Wed Jan 01, 2020 5:50 pm
Forum: Personal Investments
Topic: What should I do with my 403B now
Replies: 10
Views: 902

Re: What should I do with my 403B now

I am a teacher in Georgia. I recently switched counties and was wondering what options I have with my 403b now? I have about 110K in an AIG Valic plan. I have Valic as an option at my new system along with Mass Mutual, Horace Mann, and Voya. Do I have any other rollover options available? This is l...
by fortfun
Mon Dec 30, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Pivot table help
Replies: 4
Views: 414

Re: Pivot table help

Hi, I have the below the chart in excel in which I want to know the count each hotel for the total number of rooms. When I create Pivot table, I am not able to put the count. Hotel - Room Number A - 10 A - 11 B - 12 C - 13 B - 14 A -15 So I am looking in Pivot table to see A - 3, B- 2 and C-1. How ...
by fortfun
Sat Dec 28, 2019 10:47 pm
Forum: Personal Consumer Issues
Topic: Skiing
Replies: 48
Views: 4697

Re: what is your height

Socrates wrote:
Sat Dec 28, 2019 10:36 pm
helps determine ski length
A good article:
https://www.backcountry.com/explore/how ... ski-length
by fortfun
Sat Dec 28, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: Summer Vacay: Eastern Europe or Spain & Portugal
Replies: 15
Views: 867

Re: Summer Vacay: Eastern Europe or Spain & Portugal

Spain and Portugal. We toured western Europe two summers ago. Any thoughts on these two locations. I'm a bit worried about the heat in Spain and Portugal. Any other considerations/suggestions. Either way, we will probably split time between the city and beach. Algarve (southern Portugal) will be ho...
by fortfun
Sat Dec 28, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: Summer Vacay: Eastern Europe or Spain & Portugal
Replies: 15
Views: 867

Re: Central Europe

Bogle7 wrote:
Sat Dec 28, 2019 10:23 pm
Slovenia - Piran for the ocean (technically, a sea) and Ljubljana for city experience.
The Slovenes all speak English and appreciate tourists.
We loved our 10 days there.

Treviso, Italia. Just wonderful. Small. Canals.
Thanks Bogle7
by fortfun
Sat Dec 28, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: Summer Vacay: Eastern Europe or Spain & Portugal
Replies: 15
Views: 867

Re: Summer Vacay: Eastern Europe or Spain & Portugal

Have been to all of those places, all lovely. But Vienna and Budapest are quite a bit alike - they were the two capitals of the Austro-Hungarian Empire. And for me the biggest draw of Vienna would be the first-rate classical music and opera, but that's mostly on break in the summer (although there ...
by fortfun
Sat Dec 28, 2019 9:56 pm
Forum: Personal Consumer Issues
Topic: Summer Vacay: Eastern Europe or Spain & Portugal
Replies: 15
Views: 867

Re: Summer Vacay: Eastern Europe or Spain & Portugal

Eastern Europe is pretty big - did you have any thoughts on approximately where? There's not much coastline and the Baltic doesn't get warm even in summer. Unless you're thinking more southeastern Europe/Adriatic - Montenegro and Croatia are both lovely. A Rick Steve's itinerary. Prague, Krakow, Ve...
by fortfun
Sat Dec 28, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Summer Vacay: Eastern Europe or Spain & Portugal
Replies: 15
Views: 867

Summer Vacay: Eastern Europe or Spain & Portugal

Family of 4 (kids 12 &14) looking at spending a month in Europe this summer. Considering eastern Europe or Spain and Portugal. We toured western Europe two summers ago. Any thoughts on these two locations. I'm a bit worried about the heat in Spain and Portugal. Any other considerations/suggestions. ...
by fortfun
Sat Dec 28, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Skiing
Replies: 48
Views: 4697

Re: Skiing

I'd rent until you get things sorted out. My guess is that it is your head. Skiing can be a tricky thing for beginners. Maybe pick up another lesson.
by fortfun
Fri Dec 27, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: Recommended physical fitness websites/books/apps?
Replies: 83
Views: 6641

Re: Recommended physical fitness websites/books/apps?

I want to improve my physical fitness and am looking for website/book/app recommendations. I'm basically looking to find the Bogleheads of physical fitness... simple advice rooted in best practices rather than trying to sell me things. I have access to a small gym with basic equipment (weights/card...
by fortfun
Mon Dec 23, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: Millionaire Teacher - Andrew Hallam
Replies: 70
Views: 10744

Re: Millionaire Teacher - Andrew Hallam

This is one of my two favourite introductory investing books, and I recommend it frequently to new investors and people that I want to inspire to good financial habits (frugality and consistent low cost investing). I wish I had read it 20 years earlier. My other favourite for newbies is If You Can ...
by fortfun
Sun Dec 22, 2019 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 150377

Re: High Earners - What's Your Profession?

Teacher >100k. Summers off. 2 weeks xmas. 1 wk spring break.
Retire at 50 with 75% highest salary.
Rewarding career.
by fortfun
Sun Dec 22, 2019 9:16 pm
Forum: Personal Consumer Issues
Topic: Please suggest easy vacation spots near Munich
Replies: 27
Views: 1307

Re: Please suggest easy vacation spots near Munich

We spent a few nights in Bacharach (sp?) a couple of summers ago and really loved it. A couple of hour train ride from Munich. Right on the Middle Rhine. You can take a ferry up and down the river. Very beautiful.
by fortfun
Sun Dec 22, 2019 5:45 pm
Forum: Personal Investments
Topic: Continue Roth contributions
Replies: 6
Views: 504

Re: Continue Roth contributions

At 61, I'm pretty much retired but work (very) part-time enough to be eligible for Roth contributions. I have not contributed thus far in 2019. My plan is to work until I'm 64. If I continue my Roth contributions, that would be another 21K into VBTLX over those 3 years. We plan to buy a new car thi...
by fortfun
Sun Dec 22, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Millionaire Teacher - Andrew Hallam
Replies: 70
Views: 10744

Re: Millionaire Teacher - Andrew Hallam

Just got a copy and am really enjoying it. Anyone else read this book? Thoughts? https://www.amazon.com/s?k=millionare+teacher&ref=nb_sb_noss_2 Read the book. Enjoyed it. Given many away as gifts. I really appreciate the research AND citations at the end of each chapter. Most other financial books ...
by fortfun
Sun Dec 22, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone start saving late and still retire early?
Replies: 61
Views: 5697

Re: Anyone start saving late and still retire early?

DW and I didn't get real serious about saving until after 40. We had a bit but not much. We've been hitting hard since then. We could retire at 51 & 53 but my pension will be about half of our retirement. No social security. Even without my pension would could retire before 60.
by fortfun
Sat Dec 21, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: $500 KeyBank bonus worth it?
Replies: 36
Views: 4826

Re: $500 KeyBank bonus worth it?

Requires a payroll deposit. Seems worth 15 minutes of work. Anyone else done this one? It was a direct mailer. https://www.key.com/personal/promo/get-500.jsp?ppc=1910_CMPCON_RETQ1119_dm $25 charge for closing the account early but still $475 isn't bad. It seems that the offer has ended. I took an o...
by fortfun
Sat Dec 21, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Millionaire Teacher - Andrew Hallam
Replies: 70
Views: 10744

Re: Millionaire Teacher - Andrew Hallam

JoeRetire wrote:
Fri Dec 20, 2019 5:45 pm
I used to think being a millionaire would be a big deal.
For a teacher making 40k a year, it probably is.
by fortfun
Fri Dec 20, 2019 3:25 pm
Forum: Personal Investments
Topic: Teacher Retirement Plan Advice
Replies: 10
Views: 1015

Re: Teacher Retirement Plan Advice

A gentleman named Dan Otter is the guru on bad 403b and 457s. Google 403bwise and read some of his blog posts, especially the one: "Campaigning for a better 403b/457. It has a letter and presentation that can be used with your school board/hr department. Ideally, you'll get some lower fee options ad...
by fortfun
Fri Dec 20, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: $500 KeyBank bonus worth it?
Replies: 36
Views: 4826

Re: $500 KeyBank bonus worth it?

One other thing that I liked about KeyBank as it relates to past bonuses - I was able to easily and quickly close the account later with an online chat on key.com. No letter writing, no call, no visit to a branch. Because it was my first time doing a bank bonus, I went to the branch (lesson learned...
by fortfun
Thu Dec 19, 2019 10:03 pm
Forum: Personal Consumer Issues
Topic: Millionaire Teacher - Andrew Hallam
Replies: 70
Views: 10744

Re: Millionaire Teacher - Andrew Hallam

I recall hearing a podcast where Andrew Hallam was interviewed. IIRC he and his wife live in a trailerpark in rural Georgia. No point in being a millionaire if you live like someone on welfare. There's a happy medium between being thrifty and being ridiculous. You might want to read Hallam's book b...
by fortfun
Thu Dec 19, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for Mortgage.
Replies: 7
Views: 610

Re: Shopping for Mortgage.

try aimloan and providentlending too.