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dandan14

I'm glad to see some renewed interest in this thread and we have several new members to our "Team Bogleheads" on Kiva as a result of that. Here are some stats: Since our team inception Jan 4, 2011, Team Bogleheads has lent $11,725 through 454 loans. There are 29 members -- so that averages...

dandan14

This thread just makes me think of old CW McCall song.
https://www.youtube.com/watch?v=8PkyqsavkBw

dandan14

Excellent. I need to start working on this.

dandan14

You can pursue both paths.
Start putting some feelers out, go to some networking events, but don't go into full "job-hunt" mode.
In your current job, look for ways to break out of the blahs. On the other front, you may just stumble into something you never even thought of.

dandan14

The short version is that if you think of a deferred annuity as fire insurance to protect against living beyond age 85, 90, 95 -- it could be effective risk pooling. A problem with this that if you are 65 and buy a deferred annuity that starts at 85 then you will still need to fund a 20 year retire...

dandan14

Why not just wait until you are 85 and see whether living to 100 seems possible. Buy a SPIA then if you want longevity insurance. Maybe I'm missing something. Isn't the advantage of a longevity annuity vs an SPIA, that the longevity annuity is cheaper because you pool the risk and get the benefit o...

dandan14

Here's a Forbes piece that spells it out pretty well.
http://www.forbes.com/sites/baldwin/201 ... c549d7beeb

dandan14

Why not just wait until you are 85 and see whether living to 100 seems possible. Buy a SPIA then if you want longevity insurance. Maybe I'm missing something. Isn't the advantage of a longevity annuity vs an SPIA, that the longevity annuity is cheaper because you pool the risk and get the benefit o...

dandan14

Why not just wait until you are 85 and see whether living to 100 seems possible. Buy a SPIA then if you want longevity insurance. Delaying social security to 70 is also a must for longevity insurance. Or simply save more to give you a buffer to live to at least 100. Using a combination of SPIAs and...

dandan14

I've been thinking a lot recently about the benefits of longevity insurance (i.e. a deferred annuity that pays off in the unlikely event that I reach age 90 and pays until death). For reference, see this Larry Swedroe article: http://www.etf.com/sections/index-investor-corner/swedroe-investors-shoul...

dandan14

Pack little "gifts" that you open up every hour or so. Depending on the ages, this can be as simple as a box of tissues. When we had babies, that was something that they could play with for a while. Look for other dollar store stuff that they can open, make a mess, play with, explore, etc....

dandan14

I believe he/she has to have "earned income" equal or greater than a roth contribution.

For example, if he/she only earned $1000 this year, they can't contribute $1500 to a Roth.

dandan14

Likely a smart move. Any potential good is far outweighed by the potential bad.

dandan14

I think you have to ask yourself if the extra 20k is worth the added hours and weekends. Depending on where you are on the salary scale, 20k can be very significant or not all that significant.

dandan14

We've looked at several through the years. The best thing you can do is pick up the phone and start calling owners. Most are very open to talking with you and sharing their experiences. Of the 3 that I've looked into, there were some common themes: 1. Riskier than it seems. Even if the location does...

dandan14

Perhaps worth it, but not if you have to stop practicing to do it. You may be able to do nights and weekends in an Executive MBA program.
We had at least 1 MD in my executive MBA program. His goal was similar to yours -- and I think he got some benefit from it.

dandan14

The answer about asking yourself if you would take 4% as an investment is a good way to look at it. But you also have to consider the affect of taxes on both the mortgage and an investment. Another idea is to take a 15 year mortgage -- which is probably 3% if you shop it. After taxes, your hurdle wo...

dandan14

I just bought a 2014 Forester about 6 months ago. My main reason for choosing that over the Mazda or Toyota was the safety rating. Consumer Reports and the IIHS rate the Forester as one of the safest cars on the road. It is one of the few that does well in the crash test where the impact is off-cent...

dandan14

Does anyone know of an easy way to combine charts to get a daily/weekly/monthly view of a mix of symbols? For example, from time to time, i pull up Google Finance and look at Total Stock Market, Total Bond Market, Total International, etc. And in my head I think, ok -- i'm probably up a bit this mon...

dandan14

I've played those sort of games in the past, but I don't think it is typically worth it. In this case, you'll have to pay off that $200 in the next billing period -- maybe before you need the gas. So you have to weigh the $10 profit against parting with your money earlier than you had to. Another po...

dandan14

Is the HSA deductible per person or per family? (Mine has both a individual and a family deductible.)
If it is per person, there would be a possibility of some stuff being billed under your wife and some under the baby.

dandan14

I live very well with little effort, and I am not willing to expend much energy to "improve my lifestyle", whatever that may mean. Dale, as someone nearly your age, I love this statement as it sums up my feelings exactly. If one has more than adequate assets, one reaches a point where cer...

dandan14

All the the suggestions are "right". None are "wrong". I don't see how you can "debate" something that is essentially a personal preference. That's what makes a good debate -- there is no "correct" answer that you can just go google. The debate is what makes ...

dandan14

Wow...I just checked on this thread for the first time since posting it. Glad to see so many responses. Funny to see the responses are pretty much the debate we've been having. :-) My gut feeling was to be 1/3, 1/3, 1/3 -- but honestly the more I thought about it the more I started to sway to the mo...

dandan14

So I have an ongoing debate going with a friend over risk in retirement. I'd like to get input from the board. I won't tell you which side I'm on -- as I don't want to sway the comments. Here is the scenario: Let's say my wife and I make it to retirement as healthy spry 65 year olds. For the sake of...

dandan14

I'd take a different approach. If you have reached 2x your "number" then why not protect that first half by utilizing ultra safe assets. (Perhaps TIPS, CDs, etc., that spin off the cash you need to live.) You may even need to increase it a little to make up for the lack of return (dependin...

dandan14

I have a similar situation. My wife was a kindergarten teacher making $40k per year.
With 2 kids, it made sense for her to stay home. With 3, it is now a no-brainer for her to stay home (both from a cost as well as a quality of care perspective).

dandan14

A house you live in produces imputed income (roughly equal to its rent) without regard to whether you have a debt. So if you own a 100000 house with a rental value of 500 per month you have imputed income of $6000 year minus certain costs. Any mortgage is just a debt. my point is that "equity&...

dandan14

I count the equity in my home as equity in my home. My assets comprise stocks, fixed income, and equity in my home. Me too. I don't get the whole let's pretend apples are oranges thing. Equity is a realtor fantasy your asset is the home , your liability is the debt Owning a home you live in creates...

dandan14

As I weigh the merits of putting down a big (or small) down payment on a house we buy in 2014, I'm considering drawing down my fixed income to buy the house in cash. Curious if any of you count the equity in your home as part of your fixed income allocation. My brother, for example, owns his house o...

dandan14

Neat Idea. I just created for you.

https://docs.google.com/spreadsheet/ccc ... sp=sharing

You can set the rate at the top.
Insert a new row and enter a new date and amount. Then "fill down" the rest of the columns.

dandan14

I'm a big fan of Asana.com. Very good. I use it every day for both work and personal tasks.
They also have a good mobile app.

dandan14

Cool. I need to do that.

dandan14

I'm thinking of converting some of my TIRA Wellesley holdings at VG to a Roth. Does it make a difference taxwise if I do it before year end distributions are distributed? I'm thinking that since those distributions are reflected in the NAV, there should little if any difference in the taxable incom...

dandan14

I haven't bought a whole lot of travel insurance, but I will tell you that Clark Howard typically recommends insuremytrip.com. I believe they are a clearing house for several companies so you can compare apples to apples.

dandan14

Now I have Diabetes and other Medical Problems(By the way, I was turned down for Long Term Care Insurance) and have discussed this with my agent. He sent me papers stating he will convert my present Term Life to a million dollar Universal Life Policy without any additional underwriting. In general,...

dandan14

Oh...and one more thing. Go ahead and order a few extra "certified" copies of her birth certificate. There are several times you need a certified copy -- like when taking baby on an airplane.

dandan14

Good question. Believe me -- it gets less scary. Here are some things off the top of my head. Continue to live beneath your means. Now more than ever, money will seem to vanish. Get ready for a LOT of extra expenses. However, try to resist the temptation to buy every little thing that companies mark...

dandan14

I really like it.
In fact, it would make a great tshirt.

dandan14

plannerman wrote:I don't know about NC, but several states recapture the tax savings if you rollover a 529 plan to another state. It might be good to check the NC law.
plannerman

Sorry...can you (or someone) explain the recapture provisions? If I roll out of NC with penalties and credits in another state?

dandan14

The good news is that the state income tax in NC is dropping -- which is likely more valuable than the 529 deduction.

dandan14

This is news to me. When did they announce this? We just moved away from NC to OH -- so I could probably take a 529 deduction in either state this year since I've paid taxes in both. But if NC just cancelled the deduction -- then that solves that. Not sure what they're thinking. That really disincen...

dandan14

Since we do webex stuff at work all the time, it would be too much like being at work. :( Just make sure you have clear rules about "raising your hand" and the moderator calls on people and after the person has finished speaking that they say "Back to you, Dan, I'm done." Yeah.....

dandan14

[Thread updated, see below. --admin LadyGeek] So one of the responsibilities in my new job is going to be to manage our virtual user groups. We had a meeting yesterday using webex. We had 100+ people in the conference and I recorded the audio and slides for those who couldn't join. It got me thinki...

dandan14

You might also want to check UBF (U-Pack). You fill up x number of feet in the truck and then they deliver it to you on the other side. We used nearly half the truck for a 500 mile trip and it was about $750. Not sure what it would be cross country. I also like the mini-van rental option. If all her...

dandan14

On the maintenance question -- On my solar install, I've had 2 issues in 2 years, so they are definitely not maintenance free. One issue was that one of the micro-inverters went out. That was fixed under warranty -- no cost to me. The second issue was that a squirrel chewed through some wires. They ...

dandan14

Ally has a no-penalty CD currently paying .85%.
http://www.ally.com/bank/no-penalty-cd/ ... u_NPCD_Nav

dandan14

I'd check consumer reports. I bought a tv for the basement a few months ago and figured I'd just get a cheap one at Walmart. What a difference it was between a cheap one and a good one. I took that one back and ordered a highly reviewed LG online. I've been very impressed with the LG.

dandan14

I use erentpayment.com.
He won't know your checking account number. You setup your account on erentpayment and he sets up auto payments. I've been using it for about 8 months now and no complaints. They charge $3 per deposit.

dandan14

leonard wrote:That's one strange URL to be clicking on.

Imgur is a very very very popular way to share an image.
Their page says they have 100 million unique visitors per month.

You should try it next time you need to share a screenshot. I use it all the time.

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