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Re: Will you have to pay your parent's long term care costs?

One thing that isn't clear to me from the article is whether the filial responsibility law that applies is in the state where the parent in long-term care is domiciled, or where the child is domiciled? I would assume it is the state where the parent is domiciled; so they can reach out and sue you e...
by Browser
Wed Aug 20, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 15
Views: 373

Re: Will you have to pay your parent's long term care costs?

Those who resist LTCi and annuities in the interests of leaving a legacy to their children should be sure they know how their children feel about this. I suspect some children are more concerned about the possibility of having to support their parents during their lives than they are about inheriti...
by Browser
Wed Aug 20, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 15
Views: 373

Re: Will you have to pay your parent's long term care costs?

Another relevant question is whether your assets held in retirement accounts are protected from a filial responsibility lawsuit brought by the state? Most of my financial assets are held in IRA accounts. Even if this is the case, I'm assuming assets held outside these would be vulnerable, such as yo...
by Browser
Wed Aug 20, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 15
Views: 373

Re: Unlimited cell plans dropping in price?

If 1200 minutes talk and 5000 texts is enough, you can also get Consumer Cellular with 1GB data for $50/month. They are on AT&T's postpaid 4G-LTE network with partner roaming, which is the same coverage you'd get with AT&T. Much better option than Sprint, IMO.
by Browser
Wed Aug 20, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 6
Views: 334

Re: Will you have to pay your parent's long term care costs?

One thing that isn't clear to me from the article is whether the filial responsibility law that applies is in the state where the parent in long-term care is domiciled, or where the child is domiciled? I would assume it is the state where the parent is domiciled; so they can reach out and sue you ev...
by Browser
Wed Aug 20, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 15
Views: 373

Re: Unlimited cell plans dropping in price?

How much data? On Sprint's website I saw pricing of $55/month for unlimited talk/text and 1GB with 2-year contract. I can do better than that for the same plan with several MVNOs such as PagePlus (verizon) for $40, H2O Wireless (AT&T) for $40. Why would I need a contract with sucky Sprint?
by Browser
Wed Aug 20, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 6
Views: 334

Will you have to pay your parent's long term care costs?

This is some surprising news. You might need to consider buying LTCi for your parents too! Either that or move to another state (another reason to retire to Arizona or Florida?) Under a little-known law that has been enacted in 30 states to date, you can be held financially responsible for your pare...
by Browser
Wed Aug 20, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 15
Views: 373

Re: John Hussman, smart guy, should you listen to his foreca

Just read an article about using moving averages that reminds me of the results of using Hussman to time equity investments. True for both is that they are mostly successful helping you to avoid protracted bear market drawdowns; but also true for both is that they keep you out of the market too ofte...
by Browser
Wed Aug 20, 2014 10:35 am
 
Forum: Investing - Theory, News & General
Topic: John Hussman, smart guy, should you listen to his forecasts
Replies: 9
Views: 699

Re: John Hussman, smart guy, should you listen to his foreca

A very thought-provoking article. Hussman's analyses are so sophisticated and compelling, it is very difficult to make the case he should be ignored - yet the evidence is clear. Nobody can forecast markets except through dumb luck, and investors must invest accordingly.
by Browser
Wed Aug 20, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: John Hussman, smart guy, should you listen to his forecasts
Replies: 9
Views: 699

Re: Vanguard Lost My Account

One thing these guys could do that they're not doing either is to provide email and/or cellphone text alerts every time there is a transaction on your account, particularly a withdrawal. Allows you to catch fraudulent or other unexpected activity on your accounts right away. All my bank and credit ...
by Browser
Tue Aug 19, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 83
Views: 8802

Re: Vanguard Lost My Account

One thing these guys could do that they're not doing either is to provide email and/or cellphone text alerts every time there is a transaction on your account, particularly a withdrawal. Allows you to catch fraudulent or other unexpected activity on your accounts right away. All my bank and credit ...
by Browser
Tue Aug 19, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 83
Views: 8802

Re: Vanguard Lost My Account

One thing these guys could do that they're not doing either is to provide email and/or cellphone text alerts every time there is a transaction on your account, particularly a withdrawal. Allows you to catch fraudulent or other unexpected activity on your accounts right away. All my bank and credit c...
by Browser
Tue Aug 19, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 83
Views: 8802

Re: Why no transaction alerts from Vanguard/others?

I am not receiving any email alerts either. For example, just this morning I changed my password. I have not received any notice of this change. The only place I see on the Vanguard site to select email preferences is the "Customize your mail delivery preferences" page, and this only appl...
by Browser
Tue Aug 19, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1171

Goldman-Sachs: bonds to 4%, 6% stock returns

Goldman-Sachs predicts that stocks will be the place to be vs. bonds for the next few years as interest rates rise: “We forecast a dramatic divergence between stock and bond returns during the next several years,” a Goldman team led by stock strategist David Kostin wrote to clients this week. Goldma...
by Browser
Tue Aug 19, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Goldman-Sachs: bonds to 4%, 6% stock returns
Replies: 12
Views: 1325

Re: Why no transaction alerts from Vanguard/others?

Did you have to set up the alert emails for your Vanguard accounts? I have never gotten any.
by Browser
Tue Aug 19, 2014 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1171

Why no transaction alerts from Vanguard/others?

I have recently been setting up email and cellphone alerts for my bank and credit card accounts. Every time there is a deposit or debit I get an immediate alert, which allows me to keep close tabs on any fraudulent activity. Why is it that Vanguard and other financial organizations don't seem to off...
by Browser
Mon Aug 18, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1171

Re: Shiller on Lofty Market Elevations

Say, I'm wondering whether in previous instances where PE/10 was high, as it is now, were the expected returns on other assets such as bonds also low, as they are now (low current rates)? Do these things tend to move in tandem, so that there's no place to hide? Or were there good places to hide when...
by Browser
Mon Aug 18, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller on Lofty Market Elevations
Replies: 53
Views: 4422

Shiller: "U.S. stocks are very expensive"

“The United States stock market looks very expensive right now.” And with that, Yale professor Robert Shiller is at it again, telling us to worry. Shiller says the CAPE was never intended to indicate timing on when to buy and sell, and that the market could remain at these valuations for years. But...
by Browser
Mon Aug 18, 2014 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller: "U.S. stocks are very expensive"
Replies: 4
Views: 915

Re: WSJ: Is Your Portfolio Too Diversified?

If you don't care about drawdowns, the simple portfolio of 100% TSM did even better over the last 20 years, but it lost 37% in 2008. The 70/30 portfolio lost 24%. The idea of diversification is to minimize such massacres so that you're able to "stay the course". It's the volatility , stupid.
by Browser
Sun Aug 17, 2014 11:24 am
 
Forum: Investing - Theory, News & General
Topic: WSJ: Is Your Portfolio Too Diversified?
Replies: 18
Views: 2775

Re: Power of Attorney

In my view, it's essential to have durable POA for an aging parent if they'll allow it. Have had that for my mother (now aged 97) for many years and it's been invaluable handling her financial affairs.
by Browser
Sun Aug 17, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Power of Attorney
Replies: 8
Views: 520

Re: Vanguard Lost My Account

I searched high and low for some "evidence" that the missing Roth account had existed and finally started going through a huge pile of papers I had accumulated for shredding. Like most people, I accumulate this stuff for months before finally shredding and I eventually found some scrap th...
by Browser
Sun Aug 17, 2014 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 83
Views: 8802

Re: Vanguard Lost My Account

In my case, there was no explanation for the lost IRA account except incompetence. I had requested that Vanguard merge two separate Roth IRA accounts into one account. Instead of doing that, they simply erased one of the IRA accounts without moving the balance to the other account. Only about $150K...
by Browser
Sat Aug 16, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 83
Views: 8802

Re: Vanguard Lost My Account

In my case, there was no explanation for the lost IRA account except incompetence. I had requested that Vanguard merge two separate Roth IRA accounts into one account. Instead of doing that, they simply erased one of the IRA accounts without moving the balance to the other account. Only about $150K ...
by Browser
Sat Aug 16, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 83
Views: 8802

Re: Google Voice - ring lag problem

Just to update. After spending hours trying to solve this problem, here's where it stands. I've been trying out two different AT&T MVNOs on my Moto-X android phone: H2O Wireless and Consumer Cellular. The ring lag problem occurs when I use H2O wireless. My Moto doesn't start ringing until the ca...
by Browser
Sat Aug 16, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Google Voice - ring lag problem
Replies: 9
Views: 1148

Re: Vanguard Lost My Account

OMG! Deja vu, all over again. Vanguard lost my Roth IRA account a while back. Obliterated from their system, transactions, statements, and all. Absolutely no trace it ever existed or that I existed. My experience was the same when I contacted them. The rep implied I was making the whole thing up, r...
by Browser
Sat Aug 16, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 83
Views: 8802

Re: Vanguard Lost My Account

OMG! Deja vu, all over again. Vanguard lost my Roth IRA account a while back. Obliterated from their system, transactions, statements, and all. Absolutely no trace it ever existed or that I existed. My experience was the same when I contacted them. The rep implied I was making the whole thing up, re...
by Browser
Fri Aug 15, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 83
Views: 8802

Re: Interesting BRK tidbit

Thanks Larry. Good info, talking about slowly and for the long run , from $100 to $200,00 in only 37 years, but here is the real deal (based on the numbers from Yahoo Finance) the stock gained $128,000 from its bottom, shares were available for "only" $72,400 on March 5th 2009, so, those ...
by Browser
Fri Aug 15, 2014 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Interesting BRK tidbit
Replies: 16
Views: 1797

Re: Berkshire Hathaway A's about to hit $200k/pps

Using Stockcharts, I note that Brk.A has beaten the krap out of VTI since Jan, 2000 with about double the cumulative return. A breakdown shows that they've performed about the same since 2003, when the market began to recover from the 2000-02 crash, so the difference was the performance during the 2...
by Browser
Thu Aug 14, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Berkshire Hathaway A's about to hit $200k/pps
Replies: 42
Views: 2651

Re: Best Place to Do Research on Orthopedic Surgeons

I have been informed that I am going to need to have surgery on my left shoulder to repair a torn rotator cuff. Where is the best place to go to evaluate the quality of the Surgeon who will be performing the procedure? Thanks in advance. :?: Experiences vary widely, so I'll share mine. I developed ...
by Browser
Thu Aug 14, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Best Place to Do Research on Orthopedic Surgeons
Replies: 28
Views: 1676

Setting up credit/debit card transaction alerts!

Probably everyone but me knows this already, but I just got clued in about setting up credit/debit card and bank account alerts to help ward off fraudulent activity. I just set up alerts on my U.S. Bank card for transactions exceeding $200, ATM withdrawals, international transactions, transactions w...
by Browser
Thu Aug 14, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: Setting up credit/debit card transaction alerts!
Replies: 2
Views: 191

Can I beat 0.8% money market with TIAA?

I've got about $15K just liberated from a CD and am looking to park it somewhere liquid with the highest yield. Right now, TIAA is offering a money market or high-yield savings with 0.8% APR. Is that the best I can get anywhere right now? I might be willing to consider tying it up for 12 months in a...
by Browser
Tue Aug 12, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I beat 0.8% money market with TIAA?
Replies: 2
Views: 341

Left Tail Smackdown*: Larry vs. Permanent Portfolio

The "Larry" portfolio (30% SCV, 70% Bonds) and the Permanent Portfolio (25% TSM, 50% Bonds, 25% Gold) are two types of minimize left tail allocations that have historically cut the risk of large drawdowns and have relatively smaller volatility. Over the 42-year period 1972-2013, the larges...
by Browser
Mon Aug 11, 2014 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Left Tail Smackdown*: Larry vs. Permanent Portfolio
Replies: 15
Views: 2394

Best websites to buy quality meat for grilling?

I seem to recall a thread that mentioned a few good websites to purchase meat for grilling, such as Omaha Steaks, but can't locate it. Looking to purchase some good beef cuts as birthday gift for a relative who is particular and considers himself to be a gourmet grillmaster. Family of 4 including 2 ...
by Browser
Sat Aug 09, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Best websites to buy quality meat for grilling?
Replies: 22
Views: 2513

Re: It won't matter if your password gets stolen

Of course, the advantage of biometrics or similar is that it eliminates the scaleability of security breaches: when passwords are breached they are stolen by the thousands and millions and are easily used to hack into user accounts. Not as easy or simple to do this with biometrics. It's the differen...
by Browser
Sat Aug 09, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: It won't matter if your password gets stolen
Replies: 20
Views: 2370

It won't matter if your password gets stolen

This can't happen too soon for me. I abhor the klutzy password system which doesn't seem to work anyway. the FIDO Alliance, released a draft of new standards for online authentication in February and plans to issue the final version by the end of the year. Its members include Google GOOG +0.87% , Ba...
by Browser
Fri Aug 08, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: It won't matter if your password gets stolen
Replies: 20
Views: 2370

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

Carter3 wrote:Our 2014 traverse is going strong... No problems yet

Let us know how things are going in 5 -- maybe 10 years.
by Browser
Fri Aug 08, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 103
Views: 8462

Re: [If over 50] Do you prepare for long term care

My parents' maximum doesn't have a financial cap. Genworth will pay for 10 years of long-term care and they can split it anyway they want (8 years for Mom, 2 years for Dad, for example). It's indexed to inflation. Right now, Genworth will pay $275 per day and then that is indexed to CPU (and don't ...
by Browser
Thu Aug 07, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2069

Re: Dilbert Creator: If everyone indexed...

If everyone indexed except 2 guys, then I guess those 2 guys would set the price of the market for all the indexers, right?
by Browser
Thu Aug 07, 2014 9:35 pm
 
Forum: Investing - Theory, News & General
Topic: Dilbert Creator: If everyone indexed...
Replies: 28
Views: 3237

Re: XC90 [Volvo XC90 SUV]

The only place I see Volvos is around university towns. Do you happen to live in that kind of area? No, not even close. I live in an affluent suburb of NYC. Most of the folks around here are Wall Street types of one flavor or another, senior law partners, the occasional sports figure, people who so...
by Browser
Thu Aug 07, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 2742

Re: [If over 50] Do you prepare for long term care

So, what are the caps on your LTCi? Many policies are good for 2-3 years and they pay a fixed per diem rate. For purposes of argument, let's say that's $175/day or about $5K/ month. The total payout would be limited to let's say about $120K - $180K. If these figures are correct, then I can self-insu...
by Browser
Thu Aug 07, 2014 9:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2069

Re: [If over 50] Do you prepare for long term care

While not in the target age bracket, I'd still like to add my 2 cents. Depending on the policy, long term care is not just about being in a nursing home. There's a huge gap for people who need some assistance (and could go into an assisted living facility), but do not need the medical care provided...
by Browser
Thu Aug 07, 2014 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2069

Re: [If over 50] Do you prepare for long term care

When you ever need long term care, if you have LTCi you'll also need someone who is in good enough shape to go through the process of collecting on the insurance and setting that up with the nursing home. For that matter you'll need someone who can do all the necessaries to get you enrolled in Nursi...
by Browser
Thu Aug 07, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: [If over 50] Do you prepare for long term care
Replies: 43
Views: 2069

Re: XC90 [Volvo XC90 SUV]

Further to what mudfud said, I was surprised to hear that Volvo might be leaving the US. Maybe every car they sell is in my neighborhood, but they are ubiquitous here. I bought my 2 Volvos at two different dealers, both nearby. One of the dealers opened a new shiny sales and service facility in tow...
by Browser
Wed Aug 06, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 2742

Is 30% SCV/ 70% Bonds really a good idea?

I was curious about how one would have fared on an annual return basis with a 60% TSM/40% Bond portfolio vs. a "Larry" type tilted portfolio of 30% SCV/70% Bonds, using the data from 1972-2013 provided by the Simba spreadsheet. These are the "real world" returns that investors wo...
by Browser
Wed Aug 06, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Is 30% SCV/ 70% Bonds really a good idea?
Replies: 21
Views: 1696

Re: XC90

Issues/Dislikes: - Front suspension bushings (all of them) wear quickly. Failed around 50k miles. I replaced myself with parts bought online, but would likely have been a couple thousand dollars to have a mechanic do. But rides like new now. I expect this is common to all XC90s. Factor as cost of o...
by Browser
Wed Aug 06, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 2742

Re: Finding Smart Beta in the Factor Zoo

The conclusion that small capitalization equities perform better than large capitalization and that value stocks outperform growth stocks, even in a long historic period, were predominantly an artifact of relatively small stocks in a small corner of the market. Anyone who thinks that looking at emp...
by Browser
Wed Aug 06, 2014 9:57 am
 
Forum: Investing - Theory, News & General
Topic: Finding Smart Beta in the Factor Zoo
Replies: 21
Views: 1218

Re: U.S. stocks in freefall

johnep wrote:
Beliavsky wrote:Lots of Bogleheads seem to simultaneously hold the following contradictory views:
(1) You can't time the market.
(2) When stocks fall, it's a great time to buy.


+1

+2
by Browser
Wed Aug 06, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 802
Views: 134875

Re: XC90

What's the median income of people who buy new Volvos?
by Browser
Wed Aug 06, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: XC90 [Volvo XC90 SUV]
Replies: 40
Views: 2742

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Encla

I'm waiting for the 2016 Honda Pilot. One more year. So far, none of the others has quite made the cut for different reasons. The Pilot will probably be a disappointment too, but all the contenders will then be in the ring and nothing more to wait for.
by Browser
Tue Aug 05, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 103
Views: 8462

Re: U.S. stocks in freefall

*POOF* Give it a couple more weeks like this and it'll be time to load up on cat food (when it's on sale). :P I find the best time to buy cat food is 3 days before it expires, it last much longer than they say. The food or the cat? Hopefully the cat will last more than 3 days after eating the expir...
by Browser
Tue Aug 05, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 802
Views: 134875
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