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Re: My husband's " WILL", $ left for me to live on....

OP, I sympathize greatly with your situation (to an extent) and I have read the many responses above, many of which are excellent. I have 2 questions for you and only you can answer them. I ask these not out of callousness but rather because they are the ones that are obvious to me as a man who has ...
by Calm Man
Thu Aug 28, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 163
Views: 7164

Re: Where to live? She works in Boston, he works in Worceste

Although off the thread's goal, [OT comments removed by admin LadyGeek]
by Calm Man
Thu Aug 14, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Where to live? She works in Boston, he works in Worcester
Replies: 27
Views: 2150

Re: Looking for an Advisor

I had never heard of F-square funds. They all have sales loads up to 5.75% and all have expense ratios of at least 1%. Even a muni bond fund I looked at has a sales charge of 3.75% and an ER of 1%. I am going to assume the OP is serious, in which case he should not look for an adviser to get him int...
by Calm Man
Thu Aug 14, 2014 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good Harbor and F-Squared
Replies: 16
Views: 751

Re: Converting an inherited Roth IRA to a regular Roth IRA

Bob, please view my comments from the viewpoint of a father of a daughter. This is your wife's inheritance. I think she should keep it and family money should be used for things like ROTH contributions, college payments, etc !!!
by Calm Man
Thu Aug 14, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Converting an inherited Roth IRA to a regular Roth IRA
Replies: 11
Views: 675

Re: House, mortgage and no will -- if parents pass away

OP, all of the advice here may be accurate. Most likely it is the case that the physical guardian of the child, if not also the financial guardian,, would need the approval or the financial guardian and the court possibly to do any of these financial maneuvers. However, remember one thing. At least ...
by Calm Man
Thu Aug 14, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: House, mortgage and no will -- if parents pass away
Replies: 12
Views: 1037

Re: Lipitor at Costco with Membership

It is generic that you are getting OP. Generic is fine. My local Wegmans had free atorvastatin for all of 2013 and for 2014 has dramatically raised the cost to $10 for 90 days. It is interesting that ShopRite and others do not have atorvastatin (generic Lipitor) in their generic programs.
by Calm Man
Wed Aug 13, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: [Low cost] Lipitor
Replies: 13
Views: 1556

Re: Advice for my mother (Widowed @ 62)

OP, I am so sorry about your father. I hope you do not mind my making a point of this. Nothing makes women genetically inferior so that they should "know nothing and care nothing" about personal finance while men do. I for the life of me hate hearing this. So for the others, if you are a f...
by Calm Man
Wed Aug 13, 2014 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for my mother (Widowed @ 62)
Replies: 13
Views: 1373

Re: Life Insurance and "Death Book"

I think that since you are both young and your wife is apparently mentally totally competent, the best thing you could do for her is to allow her to have no more need for a death book than you. Why can she not learn these simple matters unless she has a job in the hospital that keeps her there many ...
by Calm Man
Tue Aug 12, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance and "Death Book"
Replies: 6
Views: 900

Re: Runners and compression socks

I just spend hours reading about all the different types. Thanks a lot !!! CEP regular and 2/0. Something like lightwool phD. Many varieties. I am always ok but since I run every single day, calves always a little sore except during the runs. Maybe worth a try but not sure what brand. PM me if you'd...
by Calm Man
Tue Aug 12, 2014 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Runners and compression socks
Replies: 18
Views: 1537

Re: Runners and compression socks

David, I"m 61, running now more than half my life and every day essentially between 3 and 6 miles now. I've used Thorlo socks for 30 years. Can you tell me what the good doctor gave as the reason to use the compression socks? Was it for varicose vein prevention or treatment?
by Calm Man
Tue Aug 12, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Runners and compression socks
Replies: 18
Views: 1537

Re: Robin Williams

I am so, so sad. I always like to think of some good coming out of everything although this one is hard. I guess maybe I can find something. And I think it's OK for the forum because it is actionable and not medical advice, although it is spiritual type advice !! We all have loved ones and we all ha...
by Calm Man
Tue Aug 12, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4629

Re: Purchasing long term care insurance for relative

This seems like an interesting situation. One thing I do suggest first off....you seem somewhat resentful about Mr Rich guy and I understand that. But try to turn it around in your mind and appreciate that Mr Rich Guy is carrying a lot of the burden that you might have had to carry. So maybe MIL wil...
by Calm Man
Tue Aug 12, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing long term care insurance for relative
Replies: 15
Views: 916

Re: Vanguard on Facebook

Stem, you are an excellent poster and I enjoy your posts. I must say that I compliment both you on the quality of the question and Vanguard on the response. I was a little struck as I read this one that you thought that you should have had your questions addressed right away. It is possible that the...
by Calm Man
Tue Aug 12, 2014 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard on Facebook
Replies: 10
Views: 1476

Re: Pension floor drops from 4% to 2.5% -- Time to bail?

Bnes it's a long thread so I just scanned. Are your questions involving a drop of 1.5% in the guaranteed lowest rate on a sum of 20K? If so that is $300 a year if things stay at the floor which they might not. I would not have that take up much energy. Whether to use the stable value or an intermedi...
by Calm Man
Tue Aug 12, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension floor drops from 4% to 2.5% -- Time to bail?
Replies: 17
Views: 2741

Re: Net business income

As others say, if this is W2 income, the expense items should not be reported as income. These are covered in expense reports. Even as a 1099 worker, expense reports are routinely handled differently than regular pay and should not be included. One of the companies I consult for sent me a 1099 the f...
by Calm Man
Tue Aug 12, 2014 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Net business income
Replies: 8
Views: 619

Re: $65k bonus for student loans...considering not taking it

What am I missing. The OP is working for the government so he will have the loans forgiven in 10 years. But he's going to get a 65K bonus from the government that he is working for? Why would they do that? Also, it is interesting for me to hear others saying that he may not get the forgiveness? I do...
by Calm Man
Tue Aug 12, 2014 8:29 am
 
Forum: Investing - Help with Personal Investments
Topic: $65k bonus for student loans...considering not taking it
Replies: 30
Views: 3309

Re: Robin Williams

I am very sad. I am confused about the third wife's statements that they were great friends etc and where was she? I am not trying to offload blame here but why wasn't he better watched over if in such a state -- where was she and where were the loved ones? I am greatly disturbed by how everybody no...
by Calm Man
Mon Aug 11, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4629

Re: Best websites to buy quality meat for grilling?

Try grilling vegetables instead !!!!!
Just go to the grocery store...
by Calm Man
Mon Aug 11, 2014 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Best websites to buy quality meat for grilling?
Replies: 22
Views: 2674

Re: I...I don't even know where to begin.

OP, the good news is that you have plenty of time to learn. If you don't even have the 10K to get an adviser, a few percent difference a year is a few hundred dollars a year in return. Better you learn instead.
by Calm Man
Mon Aug 11, 2014 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: I...I don't even know where to begin.
Replies: 19
Views: 2989

Re: Wills, Spouses, Prenups, etc.

As for prenups always being upheld it depends on each states law. I can see an argument for undue influence or duress against it. I'm curious in what state any of this would constitute duress. It seems to be that duress and coercion are pretty well settled across jurisdictions. OP, I BEG YOU TO IGN...
by Calm Man
Mon Aug 11, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wills, Spouses, Prenups, etc.
Replies: 67
Views: 3547

Re: Wills, Spouses, Prenups, etc.

Thank you. That is pretty much what my first thoughts were. However, I have heard of prenuptial agreements becoming invalid more frequently, so I thought I would ask anyway. I don't see it being modified as the husband seems to have no interest in doing so. Knowing what I know about her story I wou...
by Calm Man
Mon Aug 11, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wills, Spouses, Prenups, etc.
Replies: 67
Views: 3547

Re: So where's that inflation many forecasted?

I live in Central New Jersey and go to NYC a lot. I am seeing inflation everywhere. AMC movies - just went up again 50 cents for a daytime movie price from $9.50 to 10.00 per ticket. Food seems to go up every month. Gas for cars cost twice what it did 5 or 6 years ago. Medical insurance premiums up ...
by Calm Man
Mon Aug 11, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: So where's that inflation many forecasted?
Replies: 43
Views: 2654

Re: Wills, Spouses, Prenups, etc.

I will contribute some background information, but this is not legal advice, and shouldn't be construed as such. I don't have even a fraction of the information that I would want in order to give actionable advice on this (and I would charge money if I were giving advice). A Pre-nup is a contract. ...
by Calm Man
Mon Aug 11, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Wills, Spouses, Prenups, etc.
Replies: 67
Views: 3547

Re: Chosing which company to analyze?

Peter Pan,
I suggest (very strongly) that you focus your efforts on college and not stocks.
And if you tell me you aren't going to college I am going to tell you to focus your efforts on getting to college. If you think you can outpick the people at Goldman Sachs, you can't.
by Calm Man
Sun Aug 10, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Chosing which company to analyze?
Replies: 25
Views: 1219

Re: Maxed Out & Stressed Out

I take it that this is a permanent disability and you are going to be collecting "forever" and not going back to work right? You sound very conservative and in little need of risk. And you LOVE your GNMAs. I personally am very reluctant to give up something I love unless I stop loving them...
by Calm Man
Sun Aug 10, 2014 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maxed Out & Stressed Out
Replies: 14
Views: 3466

Re: 100% Total Stock Market in Roth Account?

There are many possibilities and in the long run none will matter as this is just the beginning. Behavioral effects of market shifts are important. Maybe she can go with a nice 80/20 fund like Life Strategy Growth if offered or something similar in a Target Fund. As the father of a 27 year old, I do...
by Calm Man
Sun Aug 10, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% Total Stock Market in Roth Account?
Replies: 7
Views: 801

Re: Physician Long term Disability- Premium pre or post tax

Doctor,
Which is a higher dose to you: 100 mg or 1.5 mg/kg? You can't answer until you know the weight. What is the premium and tax you will pay now. Is it a nickel or a million dollars or somewhere in between?
by Calm Man
Sun Aug 10, 2014 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Long term Disability- Premium pre or post tax
Replies: 12
Views: 748

Re: MAGI for Medicare Rates

I have a guy I talk to on occasion who used this same term: penalty. He has never paid a nickel for health insurance in his life despite being 73 until now because his union at the university where he was a professor had that negotiated. Now, as he has several million dollars and has to take RMDs of...
by Calm Man
Sun Aug 10, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: MAGI for Medicare Rates
Replies: 36
Views: 1816

Re: Legality of sending personal information via email

I strongly disagree with the board sentiment. I am assuming the personal info is in the attachment and not the body of the email or the subject line. Many legal documents have personal info including SS numbers. Good lawyers, and I work with several, often send drafts for review. I suppose you could...
by Calm Man
Thu Aug 07, 2014 9:48 pm
 
Forum: Personal Consumer Issues
Topic: Legality of sending personal information via email
Replies: 38
Views: 2011

Re: December RMD Withdrawal Timing Question

So it's all well and good to plan to take the RMD as close to the end of the year as is practical but that fails to address the issue of the account holder's death. If the account holder passes away toward the end of the year, say in October, November, or December, the custodian of the account may ...
by Calm Man
Wed Aug 06, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: December RMD Withdrawal Timing Question
Replies: 35
Views: 1426

Re: Affording a 1.3 million home?

These threads get me concerned, screaming the word bubble. Ask yourself, and OP ask yourself, on that type of income would you ever have considered purchasing a 1.4 - 1.5 MM dollar house? No way. But per OP,the market has been hot. Now do not misinterpret the word fool, as you (OP) and the participa...
by Calm Man
Wed Aug 06, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 11038

Re: How do you document your HSA "stuff?"

That's not a bad way to do it. I committed heresy in this regard. I just decided that the tax savings although nice just weren't worth enough to have to burden myself potentially for many years with this. At age 61, I think I've spent literally nothing on health care except dental visits and annual ...
by Calm Man
Mon Aug 04, 2014 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2177

Re: Career advice for retiring doc

I have been in pharma the last bunch of years, now as a consultant and being your age, also am looking to hang it up. An interventional cardiologist can deal with reality quite well -- if I am interpreting your post correctly, you have a lot of clinical experience. You have a lot of administrative e...
by Calm Man
Mon Aug 04, 2014 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Career advice for retiring doc
Replies: 16
Views: 2169

Re: Help in using 403b to purchase service years

I keep saying this. WHY are these purchases being offered? Isn't it to get money now to pay benefits later? The NY Times had a good article today about this for the NYC pensions systems. Any time you are offered "lower pay for better pensions" it is to kick the can down the road. I feel th...
by Calm Man
Mon Aug 04, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help in using 403b to purchase service years
Replies: 10
Views: 501

Re: Medicare and Auto Accidents

Thank you. Yes, it sounds like Medicare will pay if no car insurance. After many calls, it seems that with Aetna (non-Medicare) now, they will pay everything once the auto insurer pays as primary. But it is so weird as Aetna doesn't care if my maximum from Geico is 15K or 250K or 1 MM. They kept loo...
by Calm Man
Mon Aug 04, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare and Auto Accidents
Replies: 5
Views: 575

Re: Vanguard's Facebook presence

When I got my new computer a year ago, I have never subsequently logged onto facebook at all. I had found that once you use a computer for facebook, you can never get rid of various cookies or tracking things, and they seem to follow you all over. There are a few newspapers that one can't read comme...
by Calm Man
Mon Aug 04, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Facebook presence
Replies: 26
Views: 2375

Re: Funding a 592 for grandchildren after retirement?

I think it is nice of you to do what you are doing, or have done. But remember, that unless you are in very good financial shape, you are not obligated to fund the college educations of grandchildren. I do think you are obligated for your own children as they didn't ask for you to have them. Many di...
by Calm Man
Mon Aug 04, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Funding a 529 for grandchildren after retirement?
Replies: 19
Views: 815

Medicare and Auto Accidents

I have a friend who's older than me and often comes up with things that make me anxious. It involves coverage of auto claims by Medicare (I am still 3 years away). In New Jersey, one has to buy Personal Injury Protection (PI). You can have the auto insurer as primary (most common) or secondary (if y...
by Calm Man
Mon Aug 04, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare and Auto Accidents
Replies: 5
Views: 575

Re: Buying an bond from an individual

I really doubt this. Why are you going through all these machinations?
by Calm Man
Sun Aug 03, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Buying an bond from an individual
Replies: 15
Views: 665

Re: Funding a Down Payment

I do not live in the Boston area anymore but I believe in any northeastern solid city, you will get very little desirable at 250K. I also think it is a major stretch for you and would advise against it.
by Calm Man
Sat Aug 02, 2014 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Funding a Down Payment
Replies: 11
Views: 1504

Re: How often do you replace bath towels?

I'm single... what is this replace deal you speak of, and why do some people have so many towels? :D I am also single. After reading this thread, I think I should hang four towels in my bathroom and rotate between them. Each towel will be used once every four days, giving them plenty of time to dry...
by Calm Man
Sat Aug 02, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: How often do you replace bath towels?
Replies: 50
Views: 3743

Re: How to stop collection for an invalid debt

I may have a solution. How much is the debt?
by Calm Man
Sat Aug 02, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: How to stop collection for an invalid debt
Replies: 31
Views: 1964

Re: Help With Employment Process

OP, I identify 2 areas that are concerns. As you know of course (this is not one of the problems) classic retail salespeople in a store are of somewhat declining value. There are arguments that they are needed and I'd rather avoid that. Let's say that it is not an expanding job area. Here lack of ma...
by Calm Man
Sat Aug 02, 2014 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help With Employment Process
Replies: 4
Views: 463

Re: helping my mom invest

OP, you are a good child. It sounds like the parenting roles are reversed !!!! I would suggest that your maneuvers here are very helpful, but only around the margins. Unless there is a compelling reason, I cannot understand why your mother, who is a nurse, would work such limited hours as to earn 20...
by Calm Man
Sat Aug 02, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: helping my mom invest
Replies: 12
Views: 1060

Re: Boat loans

Why in the name of (pick whatever you use here) would a person borrow money to buy a boat?
by Calm Man
Sat Aug 02, 2014 7:27 pm
 
Forum: Personal Consumer Issues
Topic: Boat loans
Replies: 27
Views: 1588

Re: Parents bought whole life — what next?

Expensive funeral planned !!! I think mom just said that and didn't really mean it. As to the term life. On your mom, it's just a regular gamble and probably doesn't need it. On your father - the insurance company will send a car service to get you to cancel. An MI at age 54 is not a great prognosti...
by Calm Man
Thu Jul 31, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parents bought universal life — what next?
Replies: 11
Views: 1630

Re: New smartphone - questions from a nervous upgrader

I always enjoy these threads. Someone asks about the difference between the $60k and the $70k Mercedes, and everyone jumps in to tell him to buy a Hyundai. As I read the OP, he already has a contract with Verizon for his blackberry. He doesn't want to switch carriers. He doesn't want a five year ol...
by Calm Man
Thu Jul 31, 2014 8:39 pm
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 42
Views: 3191

Re: New smartphone - questions from a nervous upgrader

How much data are you buying? I see different prices than you do, but my Verizon website shows a discount on one plan for a certain level of data. You need to know the price differential on what you are getting and how long it lasts. My interpretation is that there is one price differential for the...
by Calm Man
Thu Jul 31, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 42
Views: 3191

Re: I don't think I can afford to die in Pennsylvania

Or don't give them IRAs. Take all your money out of the IRAs and pay the income tax yourself. That has three positive effects for your heirs: they won't have RMDs and owe income tax, they will inherit less and thus owe less in inheritance tax, and they will have cash to pay what is required. The ot...
by Calm Man
Wed Jul 30, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: I don't think I can afford to die in Pennsylvania
Replies: 35
Views: 3345

New smartphone - questions from a nervous upgrader

This is probably easy to you all but I am lost. The speakerphone on my blackberry failed today as well as the ring tone and voice but on way to Verizon store in a panic I slapped it and it is working. But I have to get a new one. I have to accept that I need a smartphone with touch screen - it will ...
by Calm Man
Wed Jul 30, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 42
Views: 3191
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