Search found 372 matches

by retire57
Thu Dec 14, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 50X annual spending. Now what?
Replies: 56
Views: 6768

Re: Reached 50X annual spending. Now what?

We also achieved that goal last year at 58 and 62. Congrats, BTW! We are at 50/50 which has been a bit nettling with this bull run but .... we keep reminding ourselves that in 2008, we were grateful to hold 30% bonds. And yes, having no debt at retirement was a key component of our financial plan.
by retire57
Tue Nov 28, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 12814

Re: After financial independence, do you lose motivation for work?

I certainly have. I'm a semi-retired professor and teach online. Lately I think about resigning just about every day. Maybe tomorrow will be the day I do it. :|
by retire57
Sun Nov 26, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 10489

Re: Regrets for taking SS at 62 or waiting?

OP here. Thanks to all for your thoughtful responses.
by retire57
Thu Nov 23, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 10489

Regrets for taking SS at 62 or waiting?

The current SS discussion has made me curious. Can we hear from those of you who are collecting SS and whether you feel, for your situation, that you made the right decision to claim early or wait?
by retire57
Fri Nov 17, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 6365

Re: Where did you first learn about investing?

A high school class included a months-long assignment that entailed choosing, trading, and tracking stocks. By newspaper, of course; it was the 70's. We even had a field trip to a brokerage firm.
by retire57
Wed Nov 15, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Regrets after reaching retirement?
Replies: 42
Views: 5258

Re: Regrets after reaching retirement?

We made some not-so-good financial moves over our working careers, and yet everything worked out just fine. Never been happier.
by retire57
Mon Nov 06, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 11421

Re: Disposable income... how?

Keep doing what you are doing and, one day, those people will look at you and say "How do they do that?".

:beer
by retire57
Sat Nov 04, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 6624

Re: College student... Financial mess... Need advice...

Just accept the fact that you will be stuck with the rent for the duration of the lease. The good news is that you have a place to live in the meantime. Life lessons can be painful and expensive. Get through this tough time and move on.
by retire57
Fri Nov 03, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 73
Views: 7277

Re: Giving up on Quicken? (and expense tracking software altogether)

If we used Quicken for reconciling only, I would give it up. But we use it to track so many things - our savings rate, charitable contributions, travel expenses, and unexpected expenses, just to name a few. All this info is extremely valuable year-to-year.
by retire57
Tue Oct 24, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 5525

Re: What service do you pay for that you could easily do yourself?

Can't stand DIY. Been there. The ability to write a check to avoid tedious chores, maintenance, and repairs was a key motivation to accumulate a nice nest egg (and downsize as well).
by retire57
Wed Oct 18, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: 2 Commas, Seven Figure
Replies: 19
Views: 3578

Re: 2 Commas, Seven Figure

:beer
by retire57
Tue Oct 17, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 11998

Re: how long did it take to get used to retirement

It took DH about 20 minutes. I realize how harsh this sounds but ... people who say they don't know what they will do with themselves in retirement have no imagination.
by retire57
Mon Oct 16, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Class B RV. Travato vs Roadtrek vs Suggestions?
Replies: 12
Views: 2237

Re: Class B RV. Travato vs Roadtrek vs Suggestions?

Hi Mr. Sandtrap, I'm a fan of the Roadtreks. As a matter of fact, I am writing this from my 2010 RT Popular - all snug in a campground on Lake Erie. I'm on a month-long trip at present, and have traveled solo for 5 years and over 60,000 miles in my beloved Roadie. (DH hates to travel.) You can't bea...
by retire57
Sat Oct 14, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: First time investing - Invest now or wait?
Replies: 14
Views: 1331

Re: First time investing - Invest now or wait?

We invested a fat wad right before the 2000 tech bust. And we're doing just fine!
by retire57
Sun Oct 08, 2017 6:27 pm
Forum: Investing - Theory, News & General
Topic: Headlines du Jour [Financial news]
Replies: 4
Views: 814

Headlines du Jour [Financial news]

"Financial news doesn’t rhyme but it does repeat itself.” Helpful perspective on offer from this blogger:

http://awealthofcommonsense.com/2017/10 ... at-itself/
by retire57
Sun Oct 08, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 2027

Re: What do you do with your empty inkjet cartridges?

Big box office supply stores will recycle them.
by retire57
Sat Oct 07, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 91
Views: 10119

Re: Flagship Reps

drzzzzz wrote:
Sat Oct 07, 2017 7:57 pm
LadyGeek
That's what makes Vanguard so frustrating at times - different rules, internal processes, inconsistencies, and outcomes based upon who is asking, when it occurs, and whether there is an interest in solving the issue.
That's the case with any organization.
by retire57
Sat Oct 07, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 212
Views: 20346

Re: Dividends vs. Capital Gains for Spending Needs?

[/quote] I'm not quite sure but could this be the source of some confusion: The 15% income bracket pays 0% federal qualified dividend tax... but they (retire57) didn't say they were in the 15% income bracket. They may be in the 15% dividend/cap gain bracket, which includes the 25% income bracket amo...
by retire57
Sat Oct 07, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 21510

Re:

Deleted.
by retire57
Sat Oct 07, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 212
Views: 20346

Re: Dividends vs. Capital Gains for Spending Needs?

The 3 fund portfolio still kicks out a lot of dividends....I'd like to have enough principle to live off dividends some day. We'll see. Why? That might require you to work longer and save more than you really need to. It might also cause you to spend down your retirement too fast. Dividend payouts ...
by retire57
Fri Oct 06, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Selling burial plots in Alabama
Replies: 14
Views: 1504

Re: Selling burial plots in Alabama

We have 2 inherited plots to sell and the cemetery admins advised us that Craigslist is the way to go. That was a surprise. Unfortunately, they haven't sold yet but maybe you'll have better luck.
by retire57
Fri Oct 06, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 4830

Re: Retirees, how and how much do you pay for health insurance?

We pay just under $1K/month for a BC/BS plan carried over from employer. We are 59/63.
by retire57
Thu Oct 05, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 13039

Re: Millionaire Next Door (Thank you Bogleheads)

Yay!!! :beer BTW, folks always refer to "The Millionaire Next Door", but rarely to Dr. Stanley's other researched-based work "Stop Acting Rich". The latter is an even more informative read, IMO. Congrats to the OP, and thanks for the recommendation to retire57! :sharebeer The author's findings and ...
by retire57
Thu Oct 05, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Student Debt Advice
Replies: 17
Views: 1493

Re: Student Debt Advice

LEB1230 wrote:
Thu Oct 05, 2017 2:18 pm
I'd recommend you pick up a copy of The Total Money Makeover by Dave Ramsey and read it. I wish I had read it much earlier in life than I did. Once you are through baby step three come back here for your investing advice.
+1
by retire57
Thu Oct 05, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 13039

Re: Millionaire Next Door (Thank you Bogleheads)

Yay!!! :beer

BTW, folks always refer to "The Millionaire Next Door", but rarely to Dr. Stanley's other researched-based work "Stop Acting Rich". The latter is an even more informative read, IMO.
by retire57
Thu Oct 05, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Question on Quicken Willmaker Plus
Replies: 2
Views: 358

Re: Question on Quicken Willmaker Plus

DH and I were both able to complete separate documents with the one program.
by retire57
Wed Oct 04, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 22571

Re: What age did you become debt free and what opportunities did it create?

35, including mortgage. This freedom enabled us to work less and travel more. Of course, being kid-free also dramatically increased our options. :happy
by retire57
Mon Oct 02, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Used Car Purchased
Replies: 9
Views: 852

Re: Used Car Purchased

Save for the warranty purchase, you did well. Just pay the remaining balance ASAP and drive it forever. :beer
by retire57
Sun Oct 01, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 3242

Re: camping trailer...need to change vehicle?

That's not much hauling power at all. Even the smallest lightweight trailers start at about 2,000 pounds. Here's a website with wonderful forums full of knowledgeable and experienced people. (Sound familiar? :happy ).

http://www.rv.net/forum/

Good luck with your research!
by retire57
Sun Oct 01, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: sell an extra car, pay off debt, and roth iras
Replies: 10
Views: 1277

Re: sell an extra car, pay off debt, and roth iras

Sell the RAV4, sell the MSFT shares, put that money plus the savings on the RAV4 payment and insurance for the rest of the year toward the credit card debt. Tighten your belts and make a plan to pay off the rest of credit cards by the end of next year. That should be doable, especially without the ...
by retire57
Sat Sep 30, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club
Replies: 17
Views: 4791

Re: Two Comma Club

Any chance you could share how you did it so fast in 4 years coming from sub-zero? It took me 13 years to go from 120K to 1.6 million and that was by beng long in solid stocks and maxing out all my tax advantage accounts every year. Yes, I would be interested to know that as well. Took us 16 years.
by retire57
Sat Sep 30, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 4777

Re: I bought a car without thinking too much about value

It's a great car. Drive it forever and, in time, it will look like a bargain!
by retire57
Fri Sep 29, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 97
Views: 22912

Re: Alternative to Google Finance?

Yahoo Finance [...] Just list the tickers separated by commas in the URL https://finance.yahoo.com/quotes/vti,vxus,bnd Thank you, Ice-9, for this info! Just in time too: my Google tickers all expired again, like they do every month as I don't like to be signed in all the time; and instead, I just n...
by retire57
Thu Sep 28, 2017 9:59 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 17691

Re: Why do you LBYM? Why do you save and invest?

Watching our portfolio swell over the years means more to us than fancy houses, cars, or jewels.
by retire57
Thu Sep 28, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Zander Identity theft
Replies: 8
Views: 1265

Re: Zander Identity theft

We do. In the event of i.d. theft, knowing that we will be assigned a case worker to clean up a mess that would take us untold hours of work and frustration is worth the cost.
by retire57
Wed Sep 27, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Can't place fraud alert at Equifax
Replies: 15
Views: 1079

Re: Can't place fraud alert at Equifax

I was able to do that successfully yesterday afternoon, though I went through annualcreditreport.com

That portal establishes the 90-day alert for the 3 bureaus. (Or longer if you want to pay a fee).
by retire57
Wed Sep 27, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Question: Pay Off Auto Loan Or Distribute To Savings?
Replies: 13
Views: 713

Re: Debt Question: Pay Off Auto Loan Or Distribute To Savings?

Yep, it's all about the math. Pay the car off.

Also do the math on how much the 5 year loan would cost you. That’s the true price of the car. Yikes!
by retire57
Wed Sep 27, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 97
Views: 22912

Re: Alternative to Google Finance?

Yahoo Finance [...] Just list the tickers separated by commas in the URL https://finance.yahoo.com/quotes/vti,vxus,bnd Thank you, Ice-9, for this info! Just in time too: my Google tickers all expired again, like they do every month as I don't like to be signed in all the time; and instead, I just n...
by retire57
Wed Sep 27, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 97
Views: 22912

Re: Alternative to Google Finance?

remomnyc wrote:
Tue Sep 26, 2017 1:54 pm
I can track all my holdings in Vanguard, even if they are not housed there.
Obviously. But I'm talking about watching the prices throughout the trading day. (Using the ETF-equivalent symbol).
by retire57
Tue Sep 26, 2017 11:33 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 97
Views: 22912

Alternative to Google Finance? [Portfolios feature deprecated]

Getting this message from Google's Portfolio Tracker :

Google Finance is under renovation. As a part of this process, the Portfolios feature won't be available after mid-November 2017. To keep a copy, download your portfolio.

Any suggested alternatives?
by retire57
Mon Sep 25, 2017 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 7533

Re: Spouse Money Management

greg24 wrote:
Mon Sep 25, 2017 3:53 pm
This thread and the "girlfriend college major" thread say more about the OP than the girlfriend.
+1
by retire57
Fri Sep 22, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 5557

Re: Asking for no wedding gifts

We had 2 weddings to attend this summer. Pre-wedding, both couples happened to use the website Tie The Knot. It was great for us because all the info was available, but best of all, made gift-giving easy. Especially in the case of one couple who are minimalists and requested no material gifts. What ...
by retire57
Fri Sep 22, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Quicken Mobile app [balance discrepancy between app and PC version]
Replies: 2
Views: 384

Re: Quicken Mobile app [balance discrepancy between app and PC version]

Bump again. Who agrees with Calijim's advice to avoid the Quicken app?
by retire57
Tue Sep 19, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3575
Views: 1019579

Re: What Movie Have You Recently Watched?

Banking On Bitcoin via Netflix. A thoughtful exploration of the Bitcoin phenomenon. Recommend it.
by retire57
Mon Sep 18, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 38
Views: 2919

Re: Convertible in Florida or not...

Also live in the Southeast (AL, near the FL state line) and have owned 2 convertibles. And won't again - but not because they aren't fun. They are. But for only about 4 weeks total out of the year when it's not too cold, too rainy, too hot, or too windy. The roofs need to be replaced pretty often - ...
by retire57
Sun Sep 17, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Advise on what to do with additional savings
Replies: 27
Views: 3148

Re: Advise on what to do with additional savings

Getting out of debt should be your priority. Pay off the car quickly and start attacking that student loan debt.
by retire57
Fri Sep 15, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 183
Views: 22272

Re: Let's talk about your FI # and family income

Our income has varied widely over our careers while our expenses have not. It never occurred to us to determine our multiple using any number other than average annual expenditure. Doesn't make any sense.