Search found 317 matches

by retire57
Sat Nov 12, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 18253

Re: Monthly grocery costs? How do you keep it low?

We look at the local sale papers each week and plan our meals around the meat offerings. (We also have a small chest freezer and stock up on particularly good sales). We shop the farmer's market for produce, the discount bread store for bread/buns/tortillas, and all other ingredients are bought at W...
by retire57
Fri Nov 11, 2016 6:25 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 331
Views: 61899

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

After 30+ years of hard work and rigorous saving, we are doing well. Mainly because we possess the true riches - free time and health. We still drive our one car we bought used, still live in our modest and paid-for house, and continue to live below our means. Funny - I always assumed that when we g...
by retire57
Thu Nov 10, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: Four-Fund Portfolio?
Replies: 23
Views: 4236

Re: Four-Fund Portfolio?

Thanks to all for your feedback as we are trying to simplify our portfolio at the moment. We own the Int'l Bonds and are pleased with the performance thus far. Will continue to be watchful.

Thanks again!
by retire57
Wed Nov 09, 2016 5:59 pm
Forum: Investing - Theory, News & General
Topic: Four-Fund Portfolio?
Replies: 23
Views: 4236

Four-Fund Portfolio?

What do you all think about:

VTSAX Total Stock Market Index
VTIAX Total International Stock Index
VBTLX Total Bond Index
VTABX Total International Bond Index

Appreciate your thoughts!
by retire57
Sun Nov 06, 2016 7:55 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 6193

Re: Cheap, Non-Traditional Cell Phone Plans

Trac-Fone adherents here too. DH and I use our phones for texting and the occasional phone-ahead to a restaurant for take out. We spend $200/year for the pre-paid service. I know some people who spend that in a month. Too rich for my blood.
by retire57
Sun Nov 06, 2016 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio check for a nomad
Replies: 13
Views: 2330

Re: Portfolio check for a nomad

eyesopen, Hi there - RN here too. And a part-time nomad as well! I know you are aware of the cost of medical insurance. DH and I just retired this past year (he 62, me 58) and our premiums through his former employer are $900/month. A significant chunk! Sadly, we expect this amount to rise every yea...
by retire57
Wed Nov 02, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Question for the Retired
Replies: 27
Views: 4116

Re: Personal Finance Question for the Retired

We are only 10 months into retirement and are spending the same amount with one BIG exception. We now pay $900/month for health insurance (we are covered by DH's former employer's plan). This is a necessary evil for 2 more years until DH is medicare-eligible. But it's a price we are more than willin...
by retire57
Wed Nov 02, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Fee-Only Financial Advisor
Replies: 11
Views: 1134

Re: Fee-Only Financial Advisor

Grt2bOutdoors,

I couldn't agree more!

But, you know .... in-laws. One must tread oh-so-carefully and only speak when spoken to. :|
by retire57
Wed Nov 02, 2016 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Fee-Only Financial Advisor
Replies: 11
Views: 1134

Re: Fee-Only Financial Advisor

JW, Thank you! I have that book on my hard drive as well, but had forgotten about it. Yes, I'm concerned about her encountering Hurdle #5. I certainly hope that none of you consider V-guard's PAS in the category of financial industry wolves-dressed-as-sheep. I ask because we use that service ourselv...
by retire57
Wed Nov 02, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Fee-Only Financial Advisor
Replies: 11
Views: 1134

Re: Fee-Only Financial Advisor

CABob - she is looking for feedback regarding her asset allocation. She is aware of the V-guard philosophy, but just wants sort of a second opinion. She is 56, relatively new to investing, and has been hearing about other people getting impressive returns from actively-managed funds. (Of course, I'm...
by retire57
Wed Nov 02, 2016 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Fee-Only Financial Advisor
Replies: 11
Views: 1134

Fee-Only Financial Advisor

My sis-in-law (who has most of her investments at V-guard) is looking for a fee-only financial advisor. Any advice how to go about finding one?

Thanks!
by retire57
Tue Nov 01, 2016 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: 54K left in Federal Student Loans.....wanting to buy/build a home.
Replies: 19
Views: 2144

Re: 54K left in Federal Student Loans.....wanting to buy/build a home.

And it's not just mortgage, property taxes, and insurance. A homeowner spends so much on stuff you may not have considered. Example - do you own a lawnmower? Well, you'll be buying one. In addition to items like a ladder, hoses, a leaf blower, and other implements. Don't forget the extra furniture y...
by retire57
Sun Oct 30, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Electronics Recycling
Replies: 14
Views: 1546

Re: Electronics Recycling

I always remove the hard drives before recycling too. Yet I'm not too crazy about the hammer method, which is why I still have 2 hard drives lying around. I've been wondering - what about running over them with my car? Submerging them in water?
by retire57
Sat Oct 29, 2016 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: AA Too Conservative?
Replies: 12
Views: 2157

Re: AA Too Conservative?

We lived through 1987, the tech bubble, the recent recession and never deviated from the BH investment plan. We stayed the course and it's paid off. I think because we were so aggressive during our contribution period, it feels weird to be so conservative now. The 50/50 allocation was determined by ...
by retire57
Fri Oct 28, 2016 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: AA Too Conservative?
Replies: 12
Views: 2157

Re: AA Too Conservative?

Thanks to everyone for taking the time to answer my question. This discussion was enormously helpful, comforting, and educational! We will stick with our current allocation for now.

I really appreciate the links as well. Good stuff!

Kim
by retire57
Fri Oct 28, 2016 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: AA Too Conservative?
Replies: 12
Views: 2157

Re: AA Too Conservative?

dbr, you said: To refine the situation one would have to think what the money is for, how bad it would be to have larger rather than smaller fluctuations in value, what exactly your rate of withdrawal is, what sort of contingency you might have for need of the money, whether you want to invest to gr...
by retire57
Fri Oct 28, 2016 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: AA Too Conservative?
Replies: 12
Views: 2157

AA Too Conservative?

Hi All, New to the boards and enjoying the discourse. DH and I retired in January and decided to try the Vanguard PAS. (We are good at saving/investing the boglehead way, but not so confident about the withdrawal phase). We are evaluating whether we will get our money's worth with the PAS - but that...