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NBR_Exile
| Favorite team: | LSU  |
| Location: | Houston via Baton Rouge |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 2112 |
| Registered on: | 7/7/2012 |
| Online Status: | Not Online |
Recent Posts
Message
re: How much life insurance do you have?
Posted by NBR_Exile on 8/21/26 at 6:01 am to basiletiger
quote:
too cheap to policy match yet your wife's income exploded. Yikes.
When you put it like that it does sound bad. :lol:
We settled on a number that was comfortable for both of us, it was not adversarial. We saw life insurance as income replacement. Why should we pay for more insurance to replace an income that didn't warrant it? As it turned out I was proven right. I'm still here.
0
re: Quick PSA for all you 60+ year olds in the workplace
Posted by NBR_Exile on 8/20/26 at 11:30 am to Covingtontiger77
quote:
It truly is amazing how some these boomers cant handle a cell phone by now.
I sixty year old is not a boomer, you whippersnapper.
re: Green peanuts Baton Rouge
Posted by NBR_Exile on 8/20/26 at 8:46 am to notiger1997
quote:
I just moved to Texas and I’ve done a lot of Facebook internet searching and haven’t found any yet.
Try an Asian grocer. Keemat near me in Houston usually has them when in season.
Keemat Grocer link
quote:
I am sorry to hear that.
That is awful.
Was it illness?
Or an accident?
It was an illness that progressed over several years so it wasn't sudden. She had "retired" years before her death so no employer insurance to draw on. My employer did have a benefit for spousal deaths. Wasn't much, maybe 2-5k. That was six years ago, lost some of the details since then.
quote:
There is a 98% chance that you dont die during the policy term.
Unfortunately I was one of the 2% that collected on my wife's term policy. We had about 10x income for each spouse when we started the term roughly around the birth of our second child. My wife's income exploded soon after and she was the major bread winner in our household. I suggested more coverage later and she said OK as long as my policy matched hers. I was too cheap to policy match. Should have listened to her, my payout could have been a lot more. I'd give it all back if she could be still here though.
ETA: My term ran out a couple of years ago and I did not renew. My estate is large enough now my two boys would be fine if I kicked it soon.
quote:
Look into SPYI
SPYI is a little too exotic for my taste. The expense ratio at .68% is tough to swallow as well.
quote:
Yes, that's the right idea. A multiple of expenses is the simplest way for modeling from my perspective without it just being a made up number. Of course, plenty of choices can be made to increase or decrease spending as one goes through life and retirement so it's just a benchmark.
I retired at 54 with 42x expected expenses in retirement/brokerage funds not including SS. I'm six years in now and have only spent about 60-80k/year depending on some years of lumpy expenses. I started drawing on SS Survivor Benefits this year, I turned 60 in February. SS will provide about 40k so my retirement funds will not be used as much. From age 54 to early this year I used my brokerage to supplement my income plus the dividends from my brokerage funds.
I logged in and it said trading may be slow or unavailable.
quote:
Do you have a number goal at each point and one to where you say "frick it, I'm done and will live off draining it".
We didn't really set any goals. We just saved as much as we could while still enjoying our life. Fortunately by favorable market returns and a buy and hold strategy we watched our savings grow. As the balance increased we then said we can retire by this date. When we hit the number to feel safe, we pulled the trigger.
VTI - Total US Stock
VXUS - Total International Stock Ex-US
BND - Total US Bond
Since I will be drawing from my Trad IRA for the first time, I've added a couple income related funds, not Vanguard though.
SCHO - Schwab Short Term US Treasuries
SCHD - Schwab US Dividend (this is held in Taxable since most of the dividends should be Qualified and should be taxed for the most part as Long Term Gains)
I don't speculate often and try to keep my investments simple but I think shortening my duration in fixed income can't hurt.
VXUS - Total International Stock Ex-US
BND - Total US Bond
Since I will be drawing from my Trad IRA for the first time, I've added a couple income related funds, not Vanguard though.
SCHO - Schwab Short Term US Treasuries
SCHD - Schwab US Dividend (this is held in Taxable since most of the dividends should be Qualified and should be taxed for the most part as Long Term Gains)
I don't speculate often and try to keep my investments simple but I think shortening my duration in fixed income can't hurt.
quote:
NBR is such a plague.
Hey now! Don't blame me. Some of us got out long ago.
re: I asked ChatGPT to explain all of the fees and surcharges on my Verizon cell phone bill
Posted by NBR_Exile on 8/8/26 at 3:26 pm to 1tufftiger
I’m on US Mobile. It was $280 a year paid in advance, flat rate for total unlimited. Came with a $100 Visa gift card. So $15 per month. On Verizon network. No issue so far. What’s unique about them is you can pick any of the big 3 networks. Also can change networks ip to three times a year. My son is on the service as well. He had an issue with data, called customer service and they switched him to AT&T and boom, data problem solved.
re: Hey Google, Waz up wif dat?
Posted by NBR_Exile on 8/8/26 at 7:51 am to WWII Collector
I used Grok and got a reasonable response.
Q: is it ok to want a white only doctor?
A: Yes, it is okay for a patient to prefer a White doctor (or any other race/ethnicity). Patient choice of provider is a basic autonomy right in most systems, and people routinely select based on gender, age, language, religion, cultural background, communication style, or race when those factors matter to them for comfort, trust, or perceived understanding. This preference is not unique to White patients—surveys and studies consistently show racial/ethnic concordance preferences across groups (Black patients often prefer Black physicians, Asian patients Asian physicians, etc.).
Q: is it ok to want a white only doctor?
A: Yes, it is okay for a patient to prefer a White doctor (or any other race/ethnicity). Patient choice of provider is a basic autonomy right in most systems, and people routinely select based on gender, age, language, religion, cultural background, communication style, or race when those factors matter to them for comfort, trust, or perceived understanding. This preference is not unique to White patients—surveys and studies consistently show racial/ethnic concordance preferences across groups (Black patients often prefer Black physicians, Asian patients Asian physicians, etc.).
re: Who all pays monthly bills on a credit card?
Posted by NBR_Exile on 8/6/26 at 9:16 am to kywildcatfanone
quote:
I do o especially that dont charge a fee.
Which is less and less all the time.
Yep, the glory days of reaping CC rewards is gone. Almost all companies now charge a fee for CC usage. For me that includes insurance, utilities, property taxes, car registration, etc all charge a fee that negates the points.
re: Just had an investment and retirement conversation with ChatGPT
Posted by NBR_Exile on 8/4/26 at 11:21 am to SquatchDawg
quote:
My thoughts too. I’d be afraid it would scour everything and find something to either blackmail me with or hold for ransom.
I used a generic question that did not include personal info. Like this "Construct a fixed income portfolio using an index approach that is a moderate risk." No personal info was exchanged. I could have asked an expert and spent time and money for their advice. Grok did it for free.
Grok started with explanations regarding credit risk, interest rate sensitivity, and diversification across treasuries, high-yield, etc. Then it gave me specific ETFs and allocation percentages for a well balanced portfolio that straddled expense, risk and return.
re: Just had an investment and retirement conversation with ChatGPT
Posted by NBR_Exile on 8/4/26 at 8:51 am to SquatchDawg
quote:
It really was remarkable.
I've used Grok and ChatGPT recently to help with income management in retirement recently. I have pretty good grasp on the concepts and had done most of the research over the last couple of weeks, namely in where to hold certain investments/income products. While I was going through site after site researching ETFs etc, I thought let me try Grok. In less than two minutes it compiled all the info and suggested account/portfolio allocations. Was pretty eye opening how easy it was. I asked it to consider other nuances and boom it made some tweaks and offered alternatives that matched my risk profile/expense choices.
Ben McDonald in HS. Yes, he struck me out multiple times.
re: Drive Thru Tip
Posted by NBR_Exile on 7/16/26 at 9:19 am to CleverUserName
quote:
The split drive through is another proof of how dumb the general public is. There have been many times I bypass several cars to drive right up to the menu board on the second lane while the other idiots are 5 and 6 deep for the first lane.
So you've mastered the art of the zipper merge. Congrats!
re: What restaurant in BR do you think is the most thrown up in?
Posted by NBR_Exile on 7/12/26 at 7:23 am to HeadyMurphey
quote:
Probably chimes on campus
Raises hand! Too many kamikazes at the Bengal and was at The Chimes when it hit.
re: Social Security Summary
Posted by NBR_Exile on 7/9/26 at 5:19 pm to bayouteche
quote:
SS pays ex-wives,
And widowers too. I know I just started collecting on my wife's SS since I turned 60 a few months ago. But I wouldn't say I'm getting too much. You only receive around 60% of what your spouse would have gotten at FRA. Then when the surviving spouse reaches FRA one must elect to either keep that benefit or the survivor's benefit, which ever is greater. So in the seven years I actually will only receive a fraction of the amount she paid in.
Go to SSA.gov, create an account and can see all of your info. Don’t need a mailer. Saves money.
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