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  Topic: First Time Home Buyer Questions?
oldguy

Replies: 3
Views: 151

Post image iconForum: Real Estate   Posted: Tue Jan 30, 2018 4:02 pm   Subject: First Time Home Buyer Questions?
1. If that realtor did a good job and you liked him, it would be good to stick with him. But don't let him steer you to look at only his listings. Yes, the commissions are standard.

2. I would go ...
  Topic: Advice on home equity loan
oldguy

Replies: 5
Views: 1192

Post image iconForum: Personal Finance   Posted: Mon Jan 29, 2018 3:04 pm   Subject: Advice on home equity loan
it's extremely astounding and identify with the sorts of advances author completed an extraordinary exertion and

Isn't there a way to exclude posts that simply write a group of meaningless phrases ...
  Topic: Withdrawing fromr IRA
oldguy

Replies: 1
Views: 413

Post image iconForum: Retirement Planning   Posted: Mon Jan 22, 2018 8:22 pm   Subject: Withdrawing fromr IRA
You'll pay a $100 under-59.5 penalty, and guessing at your tax rates, about $150 for Fed tax, and about $50 for State tax. So you'll net about $700.

Better ways? Your $26,000 left in a generic 1 ...
  Topic: 24, Short and long term goals, advice appreciated
oldguy

Replies: 7
Views: 1020

Post image iconForum: Personal Finance   Posted: Fri Jan 19, 2018 4:32 pm   Subject: 24, Short and long term goals, advice appreciated
What his strategy doesn't include is human nature and RISK.

'Boat' makes a couple good points.
1. 'Human nature' has driven millions of people to spend their income stream on trendy stuff - 30 ...
  Topic: Need help with retirement with not a lot of money
oldguy

Replies: 2
Views: 417

Post image iconForum: Retirement Planning   Posted: Mon Jan 15, 2018 5:19 pm   Subject: Need help with retirement with not a lot of money
The only thing I feel I have done right is keep myself out of debt(besides the mortgage)

Ironically, the very thing that you consider 'right' may be what is holding you back.
Of your $200k, you ...
  Topic: Needs assistance for cra tax audit in Toronto.
oldguy

Replies: 2
Views: 399

Post image iconForum: Taxes   Posted: Fri Jan 12, 2018 1:31 pm   Subject: Needs assistance for cra tax audit in Toronto.
I would go to a professional accountant, a CPA, not a 'help service'.
  Topic: Order of Returns Risk and Portfolio simulations
oldguy

Replies: 3
Views: 872

Post image iconForum: Retirement Planning   Posted: Fri Jan 12, 2018 1:19 pm   Subject: Order of Returns Risk and Portfolio simulations
if your nest egg suddenly faced a double digit negative return?

That's not an 'if', it is a "when". The >10% pull-backs are fairly common, they have happened to me since retirement, 2003, 200 ...
  Topic: Order of Returns Risk and Portfolio simulations
oldguy

Replies: 3
Views: 872

Post image iconForum: Retirement Planning   Posted: Thu Jan 11, 2018 10:45 pm   Subject: Order of Returns Risk and Portfolio simulations
and social security and defined benefit pension income, the value of the portfolio actually grows (a lot) instead of declining. This is a drawdown rate of 7-8% in the early years, and then 3-4% once S ...
  Topic: Moved to Holland; contemplating a stateside return?
oldguy

Replies: 17
Views: 2030

Post image iconForum: Personal Finance   Posted: Wed Jan 10, 2018 2:01 am   Subject: Moved to Holland; contemplating a stateside return?
That's what I do - ie, I have the car money in the SP500 but then I DON'T use it. Same with buying rental houses, I have the money for the down payment, but then I DOAN'T use it, I borrow the 'down'. ...
  Topic: Please help me
oldguy

Replies: 7
Views: 637

Post image iconForum: The Green Room   Posted: Mon Jan 01, 2018 5:14 pm   Subject: Please help me
Join the military - that gives you a place to live, 3 meals a day , and a pay check. I went into the Army about a week after my HS graduation.
Or you could drive truck. I got a sleeping room (usua ...
  Topic: 24, Short and long term goals, advice appreciated
oldguy

Replies: 7
Views: 1020

Post image iconForum: Personal Finance   Posted: Mon Jan 01, 2018 3:45 pm   Subject: 24, Short and long term goals, advice appreciated
Do you think there's anything to be said for the security of having equity in a home (and maybe a vehicle) and getting it paid off quickly so that you can live debt free again sooner?

No, the oppo ...
  Topic: 24, Short and long term goals, advice appreciated
oldguy

Replies: 7
Views: 1020

Post image iconForum: Personal Finance   Posted: Sun Dec 31, 2017 11:26 pm   Subject: 24, Short and long term goals, advice appreciated
I'm a retired Defense Engineer. (Lots of trips to the bombing ranges at Eglin AFB, FL).

In the 1980s Reagan went all out to build up the Military, Defense contractors were hiring like crazy. I s ...
  Topic: 401K Changes
oldguy

Replies: 5
Views: 1327

Post image iconForum: Retirement Planning   Posted: Sun Dec 31, 2017 3:12 am   Subject: 401K Changes
I would, that will give you a higher return.
  Topic: 401K Changes
oldguy

Replies: 5
Views: 1327

Post image iconForum: Retirement Planning   Posted: Sun Dec 31, 2017 12:38 am   Subject: 401K Changes
""Based on my age I was put in 2045 Fund.""

Are you allowed to select which Target Plan you use?
If you can change to the Target 2065 Fund, they have better choices.[/quote]
  Topic: 4000% gain utility stock
oldguy

Replies: 2
Views: 856

Post image iconForum: Investing, Stocks and Bonds   Posted: Sat Dec 30, 2017 6:29 pm   Subject: 4000% gain utility stock
How much truth is that? How can I verify if this can be true?

That turns out to be 14.6%/yr compounded for 27 years - that is fairly common, there are probably dozens of stocks that did that. Eg, ...
 
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