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Posts posted by MechEng

  1. Does anyone here use Avidia Bank for their HSA?  They are an option through my employer and they let you invest the funds fee free after $3,000.  The fund options look good.  I like that they have the Vanguard funds with low expense ratios.  Just looking for any thoughts before I open the account.

    American Funds Invmt Co of Amer F1        AICFX        Large Blend        0.68
    American Funds New Perspective F1        NPFFX        World Large Stock        0.82
    BlackRock Equity Dividend Inv A        MDDVX        Large Value        0.98
    Cohen & Steers Real Estate Securities A        CSEIX        Real Estate        1.15
    Dreyfus Opportunistic Midcap Value A        DMCVX        Mid-Cap Blend        1.16
    Franklin Growth A        FKGRX        Large Growth        0.88
    Franklin High Income A1        FHAIX        High Yield Bond        0.76
    Janus Henderson Venture A        JVTAX        Small Growth        1.03
    Loomis Sayles Core Plus Bond A        NEFRX        Intermediate-Term Bond        0.73
    MFS Conservative Allocation A        MACFX        Allocation--30% to 50% Equity        0.91
    MFS Growth Allocation A        MAGWX        Allocation--70% to 85% Equity        1.02
    MFS Moderate Allocation A        MAMAX        Allocation--50% to 70% Equity        0.96
    PIMCO Government Money Market Instl        PGYXX        Money Market - Taxable        0.18
    PIMCO StocksPLUS Small Institutional        PSCSX        Small Blend        0.79
    PIMCO Total Return Instl        PTTRX        Intermediate-Term Bond        0.55
    Vanguard 500 Index Admiral        VFIAX        Large Blend        0.04
    Vanguard Mid Cap Index Admiral        VIMAX        Mid-Cap Blend        0.05
    Vanguard Small Cap Index Adm        VSMAX        Small Blend        0.05
    Vanguard Total Intl Stock Index Inv        VGTSX        Foreign Large Blend        0.17

  2. What is the going rate on the 2nd hand market for the bottles available in Ohio's lottery?

    Old Rip Van Winkle 10, $54.96

    Old Rip Van Winkle 12, $64.22

    Pappy Van Winkle 15, $91.98

    Pappy Van Winkle 20, $156.80

    Pappy Van Winkle 23, $249.38 

    Eagle Rare 17, $99.99

    George T. Stagg, $99.99

    Sazerac Rye 18, $99.99

    Thomas H. Handy, $99.99

    William Larue Weller, $99.99

  3. 12 minutes ago, Premier said:

    My wife uses ibotta. After 6 months of meticulously logging every receipt from a store, we are up to 18 bucks. Really not sure it's worth all that hassle. 

    Depends on what you buy.  We make that in a month.  Right now they have $1 back on Chobani yogurt so they are free.  If you go thru Ibotta to shop on certain websites you get cash back also. 

  4. 8 minutes ago, JoeSteeler said:

    would like to know what app this is

    Walmart savings catcher app checks prices of other local stores and gives you an egift card to use at Walmart.  Ibotta is an app that has numerous stores including Walmart that gives you cash for buying certain items including alcohol.  It even has liquor stores.

    • Like 1
  5. How about a riddle.

    A woman brings her husband to the doctor.


    The woman explains, "My husband has not spoken for 5 years. For the first 22 years I knew him he never had an issue like this and then suddenly, one day, he could not speak. It's not that he doesn't want to speak, it's that he can't speak. He can't speak to his friends, his children or anyone else. I've tried everything but nothing will make him speak."


    The doctor asks the man if what his wife says is true. The man nods sadly. The doctor examines the man and finds nothing abnormal. The doctor asks the couple if anything traumatic happened around the time he stopped speaking. His wife says no and the husband shakes his head no. "Absolutely nothing happened that we can think of that could have caused this," the wife says.


    The doctor thinks for a minute, leaves the room and returns with a hammer. "I want you to put your hand on the desk," the doctor says. The man puts his hand on the desk. The doctor grabs his wrist, making sure the man can't move his hand. "If you don't tell me 'NO' on the count of three I am going to smash your hand with this hammer." The man begins to tremble. "ONE!" The man is turning read and trying to get the word out of his mouth. "TWO!" The man is sweating, shaking and trying everything he can to speak."THREE!" The doctor slams the hammer down on the desk about six inches to the right of the mans hand. He lets go of the mans wrist. The man exhales and collapses into a chair. The man was not able to speak.


    The doctor is perplexed. "Well, I don't have an explanation. I don't believe you're faking it, the hammer test proved that. I've never seen anything like this." The man is dejected. His wife comforts him and thanks the doctor for his time. They turn to leave the office and the doctor stops them. "Wait a second," the doctor asks. He runs to his desk and writes something on a piece of paper. He picks the paper up and excitedly hands it to the man who reads it. His eyes get big. He looks at the doctor and sound begins to emerge from his throat. The man's vocal chords awaken, "uhhhhhooooohhhh my goodness!  I can speak!  Honey, I can speak!" His wife, now in tears, embraces him. She hugs and thanks the doctor as does her husband. "I'll never be able to thank you enough, doctor." The happy couple leave the office and live happily ever after.

    • Like 6
  6. 7 hours ago, Grace Under Pressure said:

    Question for those familiar with running Firecalc projections.

    When running projections with taking Social Security at 62 for both self and spouse, it's difficult to come up with any scenarios that produce any cycle failures. If I take SS out, I can start to get some actual failure cycles, with parameters like if we live until 100, or spend $80K+ per year. Now, I don't like to count on SS any more than the next guy, but with 29 non-zero years for me, and 26 non-zero years for spouse, it's difficult to envision a scenario without any SS benefits actually coming to fruition. I use conservative estimates based on the SS Retirement Calculator on ssa.gov.

    Updated Actuals for Firecalc:

    • Self age: 46, Spouse Age: 42
    • Joint Brokerage & Savings accounts: $315K
    • Self 401k: $275K
    • Spouse 401k: $235K
    • Estimated Home Equity: $160K. No debt outside of mortgage
    • A one time $400-$500K lump in roughly 25 years (conservative estimate)
    • Dual income, $205K combined (roughly split 50/50)
    • Annual Spend: $42K or $45K, I run it several ways

    So, for Firecalc users, are you running Firecalc projections with or without SS? It winds up making a big difference in the projections with the above actuals, in terms of getting any failure cycles. Thanks for all the advice and conversation in here.

    (P.S.My updated goal: Find a low stress job until 59 1/2. Allow for spouse to retire at 49 (pre-50), keep her job until then. She may not want to leave it.)

    With your savings, income and spending I would think it would be almost impossible to have a cycle failure.  My wife and I make half your income and have 1/3 the savings and feel good about our retirement.

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