Search found 370 matches

by 2retire
Mon May 19, 2014 4:11 pm
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 11583

Re: advice regarding hard to find HVAC freon leak

First thing I'd do is find a new company. $350 for a refill and a visual inspection seems outrageous. I think I only payed in the neighborhood of $150 when mine needed refilling a few years ago (that included the trip/service fee). I supposed you could live in a really high cost of living area, but ...
by 2retire
Mon May 19, 2014 8:40 am
Forum: Personal Consumer Issues
Topic: New PC - Buy Office or use free alternatives
Replies: 49
Views: 6043

Re: New PC - Buy Office or use free alternatives

If you only use 10-20% of Office features, you can probably survive using Google Docs. However, I'd probably still buy Outlook as a standalone app and use that for my email. One thing to keep in mind though, if you do decide to go with Google Docs, is that they will be scanning and indexing all of t...
by 2retire
Fri May 16, 2014 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 3785

Re: How much SS at 70 if I retire at 66?

The question has not been answered. The OP has all the required information if I interpret her statement correctly. <snip> See if you can answer the question asked from the assumed given information above: However, I want to retire at 66 and not claim my social security benefit until I turn 70. I d...
by 2retire
Fri May 16, 2014 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 3785

Re: How much SS at 70 if I retire at 66?

However, I will say that you may well be shocked at how little difference it can make. Here is an example. When did you get to 35 earning years in your examples? JW I hit 35 years at 51. However, to knock of my really low earning early years, where you really couldn't say I had a real job, I'd need...
by 2retire
Fri May 16, 2014 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 3785

Re: How much SS at 70 if I retire at 66?

As others have said, you can only tell by plugging your numbers into the various calculators. I use AnyPIA. However, I will say that you may well be shocked at how little difference it can make. Here is an example. All values assume you start collecting SS at 70, no matter when you stopped working. ...
by 2retire
Thu May 15, 2014 5:04 pm
Forum: Investing - Theory, News & General
Topic: Disclaiming a Roth IRA inheritance
Replies: 26
Views: 2871

Re: Disclaiming a Roth IRA inheritance

I THINK "2retire" is suggesting that you ask your mother in law to name your kids, instead of your wife, for whatever portion would have gone to your wife as per the original plan. That is exactly what I was suggesting. Cut out the middleman. However, the OP has already posted that the way the bene...
by 2retire
Thu May 15, 2014 9:53 am
Forum: Investing - Theory, News & General
Topic: Disclaiming a Roth IRA inheritance
Replies: 26
Views: 2871

Re: Disclaiming a Roth IRA inheritance

Why disclaim. Why not just make the sons the primary beneficiaries.
by 2retire
Sun May 11, 2014 1:07 pm
Forum: Investing - Theory, News & General
Topic: Care to explain the Telltale chart to a dummy?
Replies: 8
Views: 2560

Re: Care to explain the Telltale chart to a dummy?

Wow, thanks for that write up simpleton. I had somehow missed your tool in all my time here. Might I suggest you add a little FAQ to that site explaining things like you did here. I found it really useful to see how you used the weightings and multiple entries to compare one 401k plan to another. I ...
by 2retire
Sat May 10, 2014 2:51 pm
Forum: Personal Consumer Issues
Topic: Looking for one-of-a-kind London experience for wife
Replies: 39
Views: 2801

Re: Looking for one-of-a-kind London experience for wife

You can rent Downton Abbey (Highclere Castle) for $25K a day.
by 2retire
Fri May 09, 2014 1:01 pm
Forum: Personal Consumer Issues
Topic: Inexpensive Win7 laptop that will support 2 to 3 monitors?
Replies: 37
Views: 4958

Re: Inexpensive Win7 laptop that will support 2 to 3 monitor

Just be aware that to drive monitors higher than 1920x1200 the laptop will need to meet certain specifications. I believe you need to make sure that a machine supports DisplayPort version 1.4. Other types of ports also have certain specs they need to follow.
by 2retire
Tue May 06, 2014 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: What our company's 401k Advisor said about 1.5% Fees
Replies: 115
Views: 23017

Re: What our company's 401k Advisor said about 1.5% Fees

Not true at all. Have him (or do it yourself) look into Employee Fiduciary or The Online401k. Even Vanguard can give you a quote for a small business at those low fees. I got a quote from Vanguard myself and presented it to HR and Finance people.
by 2retire
Tue May 06, 2014 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Should I move my portfolio?
Replies: 10
Views: 926

Re: Should I move my portfolio?

Just crazy, that S&P 500 fund is insane. You definitely need to move that money, taxes be damned. You are throwing away 1.5% of your market gains every year in that fund. Not to mention what your are paying the advisor. If you'll tax too big of a tax hit in one year, spread the sales out over a coup...
by 2retire
Thu May 01, 2014 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with opening kids' Roth IRA
Replies: 11
Views: 1373

Re: Need help with opening kids' Roth IRA

You could always go with Fidelity and their Spartan index funds. They compare favorably to Vanguard. In addition, they have lots of planning calculators and tools that you'll get access too.
by 2retire
Thu May 01, 2014 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Former Employee 401K Plan Options with [Restrictive] Plans
Replies: 14
Views: 1023

Re: Former Employee 401K Plan Options with [Restrictive] Pla

Can you cut and paste the appropriate sections from the plan document?

It sounds more like they made their contriubtions to a defined benefit plan, while yours went to a defined contribution plan. Effectively, they put their's in a pension fund.

I've never heard of a plan set up like this before.
by 2retire
Wed Apr 30, 2014 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Easy way to view graph of portfolio?
Replies: 3
Views: 512

Re: Easy way to view graph of portfolio?

Does it need to be a graph, or is a number fine. I do as the above poster said, but there is a trick to make the setup easy. First, in a spreadsheet, list all your ticker symbols and their account values. Sum them all up. Now divide each account total by the grand total. That gives you what percent ...
by 2retire
Wed Apr 30, 2014 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer securities from IRA to satisfy RMD?
Replies: 16
Views: 4574

Re: Transfer securities from IRA to satisfy RMD?

Yes. Technically, doing the transfer is liquidating them. Where is she planning to get the money to pay the taxes on the RMD from?

Edit: Are we talking stocks or mutual funds?
by 2retire
Wed Apr 30, 2014 10:58 am
Forum: Personal Finance (Not Investing)
Topic: [part time job effect on Social Sec. Disability benefits]
Replies: 8
Views: 682

Re: Social Security [part time job effect on benefits]

I'm not sure I can answer any of your questions, but here are a few things I wanted to point out. It is odd that you aren't on Medicare already. Typically, you can go on Medicare two years after your disability is approved. When you reach full retirement age, your disability payment will become your...
by 2retire
Tue Apr 29, 2014 8:47 am
Forum: Investing - Theory, News & General
Topic: Redemption and purchase fees = extra expense ratio?
Replies: 9
Views: 798

Re: Redemption and purchase fees = extra expense ratio?

No. You should consider them as front and back end loads. ERs represent money that you lose every year. Those only occur when you personally do something. I do not believe you are charged those fees on dividend reinvestment.
by 2retire
Thu Apr 24, 2014 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Reported Returns
Replies: 6
Views: 671

Re: Question on Reported Returns

This question comes up all the time, yes, they are after the ER is subtracted.
by 2retire
Wed Apr 23, 2014 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Go-Go, Slow Go, No Go theory
Replies: 14
Views: 3810

Re: Go-Go, Slow Go, No Go theory

Yes, I am planning for this method. I have no idea what age I'll start to slow down though. I'm also not sure things go exponential at the end. Here are to posts showing what people typically spend in retirement as they age and near the end. http://theretirementcafe.blogspot.com/2014/03/long-term-ca...
by 2retire
Tue Apr 22, 2014 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Life - Whole Life Policy Review
Replies: 67
Views: 20149

Re: Northwestern Mutual Life - Whole Life Policy Review

I don't have anything useful to add, I just wanted to thank you for actually posting your in-force illustration for all to see. We often see them mentioned on this site, and I always wondered what they were. This could be a good learning experience since we now have something to look at.
by 2retire
Tue Apr 22, 2014 9:00 am
Forum: Investing - Theory, News & General
Topic: Savings Rate what do you include?
Replies: 69
Views: 7277

Re: Savings Rate what do you include?

I save in my 401k, my Roth, and taxable. Fixed amounts go to each account every two weeks. I add up those yearly amounts and divide by my regular pretax yearly salary. That is my savings rate. I don't include bonuses, tax refunds, left over money, employer match, extra principle applied to mortgage,...
by 2retire
Sat Apr 19, 2014 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 25
Views: 4537

Re: Question about IRS Online Payment from Checking Account

I use TaxAct and I always use this method of paying. When submitting the return, it also asks on what day I'd like to pay. I always choose the same day I file. This year that was 4/12/2014. I monies were taken out of my bank account on 4/15/2014.
by 2retire
Fri Apr 18, 2014 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 2511

Re: Can you put after tax RMD withdrawals into ROTH?

Only if you or you spouse is still working and have earned income up to the amount you want to put in.
by 2retire
Mon Apr 14, 2014 3:39 am
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 3802

Re: Proper Money management and itinerary for Europe trip

My thoughts on Munich. The botanical gardens already have one of Ludwig's castles (Nymphenburg Palace) at them, there really isn't a need to go to Neuschwanstein. Everyone seems to want to go to Neu because its exterior is what Disney modeled his castle after and it most resembles people's idea of w...
by 2retire
Thu Apr 10, 2014 2:12 pm
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 17710

Re: KeePass vs LastPass

I just figured I'd post this here for all you LastPass users. Your usernames and passwords may have been compromised. They were vulnerable to the HeartBleed attack. Quote: Though LastPass employs OpenSSL, we have multiple layers of encryption to protect our users and never have access to those encry...
by 2retire
Mon Apr 07, 2014 2:38 am
Forum: Personal Consumer Issues
Topic: Dual pane windows
Replies: 11
Views: 1870

Re: Dual pane windows

I don't know if a couple of doors is going to make that much difference. Most of the benefit may come from the new weather stripping and tighter manufacturing they come with rather than the double-panes. Don't get me wrong, replacing a whole house of singles with doubles makes a huge difference, I j...
by 2retire
Fri Apr 04, 2014 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Bailing On Pimco Bond?
Replies: 19
Views: 2995

Re: Bailing On Pimco Bond?

I haven't, but I will admit that I have thought about it. It is running 0.61 behind Vanguard Total Bond Fund this year. Earlier in the year, it was ahead but had a few large single day drops. I'm hoping that soon things will calm down once the institutional investors have pulled their monies out, an...
by 2retire
Fri Apr 04, 2014 8:41 am
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 54
Views: 19261

Re: Free "If You Can" Kindle

Bill Bernstein wrote: Someone please let me know if it works.
Thanks for providing the DRM free version, it does work.
by 2retire
Thu Apr 03, 2014 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Reaching $1M in Total Assets
Replies: 35
Views: 6773

Re: Reaching $1M in Total Assets

How to save a million calculator http://www.bankrate.com/calculators/savings/save-million-calculator.aspx Wow, that is the first time I have seen one of their licensed calculators in use. They always said people could license them, but I've never run across one hosted on a third party site before. ...
by 2retire
Thu Apr 03, 2014 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Please help my dad-Social Security question.
Replies: 10
Views: 984

Re: Please help my dad-Social Security question.

See my edit above. That looks correct, it looks like you put him claiming at 67.
by 2retire
Thu Apr 03, 2014 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Please help my dad-Social Security question.
Replies: 10
Views: 984

Re: Please help my dad-Social Security question.

Those aren't the correct numbers to look at. It is pretty stupid they give those numbers more prominence. Look for the line that says 'Benefit after rounding.' Also, be sure that none of the tables in the report list income after 2014. If they do, a setting is wrong somewhere. The software is kind o...
by 2retire
Thu Apr 03, 2014 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Please help my dad-Social Security question.
Replies: 10
Views: 984

Re: Please help my dad-Social Security question.

What sscritic said. However, your Dad can go to the SS website and download AnyPIA. It allows you to do what-if analysis by putting in past earnings and allowing you to stop at any date to see what your real SS would be.
by 2retire
Wed Mar 19, 2014 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Do you consider Vanguard Total Market to be 100% stocks?
Replies: 15
Views: 2865

Re: Do you consider Vanguard Total Market to be 100% stocks?

For my index funds, yes; for my actively managed funds, no. On my actively managed funds, I count it as fixed income. I have one actively managed fund that has over 13% in cash.

I get the AA's for all my funds every three months and put them into a spreadsheet to figure out my overall AA.
by 2retire
Wed Mar 19, 2014 9:19 am
Forum: Investing - Theory, News & General
Topic: continuing my CBS series on AA, small vs large
Replies: 6
Views: 1081

Re: continuing my CBS series on AA, small vs large

Thanks for the specifics in the article Larry. Too often I find that finance articles are written so generically that you can't get any kind of actionable information from them. This article actually made me feel like I was sitting down with an adviser and they were telling me why I shouldn't be in ...
by 2retire
Wed Mar 19, 2014 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Sibling is a Financial Adviser, ask investing advice?
Replies: 30
Views: 2800

Re: Sibling is a Financial Adviser, ask investing advice?

I don't see anything wrong with talking to her. As others have said, you don't need to mention specific dollar amounts. She may have good information for you on life insurance, disability insurance, asset allocation, taxes, etc. Stuff that doesn't require you to invest money with her. You should als...
by 2retire
Sat Mar 08, 2014 2:13 pm
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 12674

Re: is 4gb memory, 500gb hd adequate for new desktop?

thanks to all who responded. I was specifically looking at the new Dell Inspiron 3000 series. Bestbuy has the package w/ 4g ram, 500gb hard drive at $399.98 vs the 8g, 1tb package at $529.98......and just wondered if the exta $129 for 8g, 1tb was worth it. Absolutely not. And to be honest, you are ...
by 2retire
Sat Mar 08, 2014 11:19 am
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 12674

Re: is 4gb memory, 500gb hd adequate for new desktop?

It should be more than enough. But there is an easy way to tell, on your current machine, run perfmon (start->run>perfmon). You can use it to monitor how your machine uses memory over time. I'd just Google for the basics on using it.
by 2retire
Thu Mar 06, 2014 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 8942

Re: Buy vs rent no longer relevant?

Of course not, just because you aren't having to pay money out of your pay check, it doesn't mean you aren't what your friends would call 'losing' money. That money you are using for rent is money you could have invested back into the market.
by 2retire
Thu Mar 06, 2014 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Why are 2045/'50 funds only recently underperforming s&p?
Replies: 31
Views: 3052

Re: Why are 2045/'50 funds only recently underperforming s&p

Lets try and make this a little clearer. Your target date fund holds international stocks. The S&P 500 only contains US stocks. The S&P 500 doesn't include international stocks. During the 2000's international stocks outperformed US stocks (sometimes significantly) Because you held these outperformi...
by 2retire
Sun Mar 02, 2014 8:57 pm
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 73970

Re: Bogleheads.org Home Page Updated

Looks good, nice an clean. The only suggestion I could provide would be to reorder the links on the left. I think they would make more sense in this order:

Investing Philosophy
Recommended Reading
Wiki
Forum
by 2retire
Thu Feb 27, 2014 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity S & P 500 Vs. Vanguard S & P 500 Index Funds
Replies: 12
Views: 8225

Re: Fidelity S & P 500 Vs. Vanguard S & P 500 Index Funds

There is really no need if they are truly both S&P 500 indicies. You should read the prospectuses side-by-side to make sure there aren't any gotchas. Then compare their performance at morningstar.com (on the same graph). Their lines should should be identical. You don't want to see one zig while the...
by 2retire
Fri Feb 14, 2014 9:41 am
Forum: Investing - Theory, News & General
Topic: composition of index funds (foreign in US index)
Replies: 14
Views: 1071

Re: composition of index funds (foreign in US index)

I believe I have seen it described as such before. I'm not sure if it is true or not, but it is what I recollect hearing. Some stocks trade on multiple world markets, no matter where their parent company is located. Indices are designed to capture specific market returns. Therefore, if a foreign onl...
by 2retire
Tue Feb 04, 2014 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Can you buy to cheap of a house?
Replies: 15
Views: 1754

Re: Can you buy to cheap of a house?

You really need to post more about the house, area, and typical housing prices in that area. Believe it or not, in many areas of the country that isn't an unreasonable amount of money for a house. Just because the US average is much higher, doesn't mean that 30K is cheap for the area you are looking...
by 2retire
Thu Jan 23, 2014 5:23 pm
Forum: Personal Consumer Issues
Topic: Is it nuts to log on to your Vanguard account at the public
Replies: 33
Views: 4067

Re: Is it nuts to log on to your Vanguard account at the pub

Would be crazy to do the same on a work laptop? I do that all the time. If the work laptop has always been in your possession since issue, your company has excellent security policies including virus/malware control, you use it on their secure network, or your own secure network, and use a VPN if o...
by 2retire
Thu Jan 23, 2014 3:52 pm
Forum: Personal Consumer Issues
Topic: Is it nuts to log on to your Vanguard account at the public
Replies: 33
Views: 4067

Re: Is it nuts to log on to your Vanguard account at the pub

So if they saw the account balance, accepted your check and you went outside and swept the account dry with a smartphone, they'd be OK with that? I guess so. It was CarMax; The way car byiung should be (tm). I was surprised when they said they'd take a personal check for ~ 30K, but I guess that is ...
by 2retire
Thu Jan 23, 2014 3:43 pm
Forum: Personal Consumer Issues
Topic: Is it nuts to log on to your Vanguard account at the public
Replies: 33
Views: 4067

Re: Is it nuts to log on to your Vanguard account at the pub

It isn't recommended that you log onto any type of private information account on any computer which you do not control. This includes everything from Vanguard to Facebook. You just have to decide what level of risk you are willing to take with those accounts. I would never log on to any kind of fin...
by 2retire
Mon Jan 20, 2014 11:49 am
Forum: Investing - Theory, News & General
Topic: How do you benchmark your portfolio.
Replies: 65
Views: 4665

Re: How do you benchmark your portfolio.

My portfolio is 70% active and 30% passive. I compare all my active stock funds to S&P500 and Total Stock Market. I compare my bond funds to Vanguard Total Bond market. I do this because if I had my way, those are the funds I would be in. Although I tilt a little to small and mid caps, I want to kno...
by 2retire
Mon Jan 20, 2014 11:16 am
Forum: Personal Consumer Issues
Topic: Is there a low cost cell phone plan, limited minutes?
Replies: 66
Views: 6508

Re: Is there a low cost cell phone plan, limited minutes?

There is also Platinum Tel (ptel.com). They are a pay as you go outfit. Calls - 5 cents a minute (100 mins/month = $5) Texts - 2 cents each Data - 10 cents per MB If you don't use data, you can easily get away with paying ~60 a year for your cell phone. You'd need to buy a $10 card every two months....
by 2retire
Thu Jan 16, 2014 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 12791

Re: Biggest regrets in your life in financial investment?

To counter all those people who regretted they didn't hang on to stock, my regret is I held onto my Employee Stock Purchase Program shares too long. I didn't sell them right after I got them (like I should have) and netted a 15% profit. I lost two thirds of the money I put into them when the stock t...