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Re: Renting after retirement - how to meet income requiremen

They were unwilling to supply any other info. . . . We turned them down because of the inability to supply sufficient documentation. This is your right, of course, but there are citizens with significant assets who simply refuse to provide detailed financial records -- and I don't blame them. Many ...
by DualIncomeNoDebt
Thu Feb 12, 2015 2:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting after retirement - how to meet income requirements?
Replies: 31
Views: 3199

Re: Multiple Account Breakdown for Early Retirement?

As an aside, the 10% penalty withdrawals disgust me to no end. Yes, I understand the purported reason, don't blow retirement money on frivolity. But why should responsible savers and early retirees have to forfeit 10% of their savings to access their own money on an accelerated time schedule befitti...
by DualIncomeNoDebt
Tue Feb 10, 2015 2:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Multiple Account Breakdown for Early Retirement?
Replies: 8
Views: 962

Re: Amica burned me, now what...

Second, is the concept of preferred risk applicable to mutual insurance companies? Yes. In theory, mutual insurance companies are analogous to credit unions in that there's an implied social benefit/non-preferred element to their structure by design. No, not analogous. Although credit unions may be...
by DualIncomeNoDebt
Tue Feb 10, 2015 2:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Amica burned me, now what...
Replies: 43
Views: 4746

Re: First Time Dog Owners -- Any Regrets?

Cynic's perspective. We live in a gated community that has it's own dog park, a large grassy field with benches and wide open space beyond that. Plus there are dog "disposal" bags and pails all over the place. I see lots of people walking dogs in the neighborhood -- and not all of them loo...
by DualIncomeNoDebt
Mon Feb 02, 2015 5:36 pm
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 5921

Re: Met a Vanguard basher TransAmerica Insurance pusher

mountainman99 wrote:at a friend's super bowl party . . . We got to talking about finances"


Host needs higher quantity and quality alcohol.
by DualIncomeNoDebt
Mon Feb 02, 2015 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Met a Vanguard basher TransAmerica Insurance pusher
Replies: 41
Views: 4654

Re: Take the job?

Take the job. Hurricanes aren't an issue unless you are right on the water or live on the the oceanfront sand barriers. I also suggest you watch the recent PBS special on sinkholes -- and don't buy a home in any sinkhole-prone areas.
by DualIncomeNoDebt
Sat Jan 31, 2015 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take the job?
Replies: 68
Views: 2619

Re: Dazed, Confused and Upset

[OT comment removed by admin LadyGeek]
by DualIncomeNoDebt
Tue Jan 13, 2015 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6350

Re: Two Homes in Retirement?

For anyone with experience in buying/selling condo's, would you buy or would you lease a condo that might be only semi-permanent- maybe changing every 2-3 years? You'll be flushing money down the toilet if you are flipping condos every few years. Not to mention the taxes and common charges will rea...
by DualIncomeNoDebt
Mon Jan 12, 2015 3:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Two Homes in Retirement?
Replies: 38
Views: 3525

Re: Doing my taxes by hand

The point, I think, is to learn which items have the biggest impacts . . . and then to use that knowledge going forward to make investment and other financial decisions Hence why spreadsheets were invented with the dawn of the computer. And tax software is nothing more than a spreadsheet with a pre...
by DualIncomeNoDebt
Sun Jan 11, 2015 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 4799

Re: Saved for Down payment, but decided against house

As of Jan. 8, the 6mo T is paying .08%, or basically $120. The 1yr is paying 0.23%, or $345. Bottom line, with this relatively small amount of money, on a six month or one year time frame, at current Fed rates -- it's worth neither the risk nor the effort to explore anything other than a savings acc...
by DualIncomeNoDebt
Sun Jan 11, 2015 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saved for Down payment, but decided against house
Replies: 5
Views: 567

Re: I have to leave Ameriprise

This portfolio is terrible. You would have been better with front- or back-end loads, versus this C-class fee pillaging which continues in perpetuity. Unsurprising, however, given the parent "advisor."
by DualIncomeNoDebt
Fri Jan 09, 2015 12:55 am
 
Forum: Investing - Help with Personal Investments
Topic: I have to leave Ameriprise
Replies: 22
Views: 3116

Re: Savings Rate vs. FUN

I'd search the forum, this has come up many, many times. The pro and con points usually fall along this continuum: live a little; you can't take it with you; you'll be bored with it after a year; it's a waste to have capital tied up sitting in your driveway (cars are parked ~96+% of their useful lif...
by DualIncomeNoDebt
Thu Jan 08, 2015 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Rate vs. FUN
Replies: 43
Views: 3442

Re: [Getting Sued for] Malpractice

john94549 wrote:we can debate the merits (or lack thereof) of many initiatives in our Golden (or not) State, but one tends to veer off into politics.


I'll leave it there. But there most certainly is another side to the story besides an individual doctor's wallet.
by DualIncomeNoDebt
Tue Dec 23, 2014 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Getting Sued for] Malpractice
Replies: 46
Views: 4894

Re: Malpractice

I am grateful for the 250K limit on noneconomic losses and glad the trial lawyer driven proposition didn't pass earlier this year. But I imagine that it wouldn't be hard to cross the 1M mark in economic losses. Imagine a pediatric sepsis case missed, for example. The life-long cost of caring for th...
by DualIncomeNoDebt
Tue Dec 23, 2014 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Getting Sued for] Malpractice
Replies: 46
Views: 4894

Re: Talk me back from the edge

OP, the chart you linked is ridiculous. It tells you very little -- it doesn't even tell you if the reported "results" are net of costs and fees. And the "standard deviation" is a piss-poor barometer of credit and market risk. If they gave you additional disclosures concerning th...
by DualIncomeNoDebt
Tue Dec 23, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me back from the edge
Replies: 37
Views: 4016

Re: Malpractice

If you are married and own a house in your name plus your wife's name, does that offer some sort of protection? Because if your wife also owns the house, then it can't be forked over because she was not at fault. Is this true? Short answer: no. Unquestionably, community property can be seized. If j...
by DualIncomeNoDebt
Tue Dec 23, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Getting Sued for] Malpractice
Replies: 46
Views: 4894

Re: Malpractice

An extremely simplified answer is yes, personal assets can be seized to satisfy any type of judgement, including medical malpractice, and it is not necessarily the case retirement accounts are protected. But it almost never is as cut-and-dry as your premise. Today most doctors are part of large insu...
by DualIncomeNoDebt
Tue Dec 23, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Getting Sued for] Malpractice
Replies: 46
Views: 4894

Re: Who should pay for this meal?

Venmo was created to address this. https://venmo.com/. Works great. Reclaim your hipster cred.
by DualIncomeNoDebt
Sun Dec 21, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 79
Views: 8047

Re: Do I Pay Cash for my home?

I absolutely would pay cash. Screw the banks. You'll save a ton on fees, and can tell them to pound sand when it comes to the document proctology exam you will avoid. Never paying some parasitic bank mortgage interest and/or PMI = priceless. In addition, people with mortgages aren't homeowners, they...
by DualIncomeNoDebt
Sun Dec 21, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Pay Cash for my home?
Replies: 49
Views: 4066

Re: VWINX declining, any ideas why?

Every year this question arises, without fail.
by DualIncomeNoDebt
Thu Dec 18, 2014 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWINX declining, any ideas why?
Replies: 42
Views: 4001

Re: Looking to move inheritance from high-fee advisor

and inherited approximately $1M. . . . I've done a reasonable job (returns wise, though I wish more was in 401ks) managing my own investments by plunking them in a Vanguard fund, but I'm admittedly scared of messing around with such a large sum of money. Whether its $100k, $1MM, or $10MM, the same ...
by DualIncomeNoDebt
Wed Dec 17, 2014 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to move inheritance from high-fee advisor
Replies: 30
Views: 3080

Re: Advise on getting out of car lease

And also, if the personal who takes over the lease default, I am still liable to pay the monthly lease!


As a general matter, no. Once the lease is transferred, all rights and obligations are transferred to the lessee.
by DualIncomeNoDebt
Tue Dec 09, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: Advise on getting out of car lease
Replies: 3
Views: 522

Re: Family jewels, kind of.

I don't care if they offered me 75% off. I'd be setting the tone for my marriage right from the get-go, and that would start by getting the rock you want, on your own, with your money, and without any meddling by family. Your purchase, your decision (along with your new bride's input). Set the tone,...
by DualIncomeNoDebt
Sat Dec 06, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Family jewels, kind of.
Replies: 44
Views: 3450

Re: mother-in-law wrecked our car

While perhaps not an insignificant sum to the OP, to put this in perspective, a sub-$30k auto accident is run-of-the-mill for any insurance company. You'll likely have a single claims investigator/adjustor on the whole thing; the insurance company legal department will hardly care. Truth. Insurance ...
by DualIncomeNoDebt
Sat Dec 06, 2014 12:26 am
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5604

Re: Ever wake up one day, and your whole life has changed? (

OT comment. I've been surprised at reasonable-quality firearms maintaining value. I would have thought modern guns would suffer massive depreciation like cars, computers, and furniture. But it simply isn't the case. Glock and S&W handguns, Benelli and Browning shotguns, for example, are still da...
by DualIncomeNoDebt
Sat Nov 29, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: [woke up] and whole life has changed. [disabled vet]
Replies: 26
Views: 6872

Re: Swap a lease?

Lease swaps can be good. Try to get something local so you can look it over; there's more risk with out-of-state leases getting transported to you. A big subsidy payment is nice, so I'd take a hard look for the good deals where someone absolutely needs to get rid of a newer-model car with decent mil...
by DualIncomeNoDebt
Sat Nov 29, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: Swap a lease?
Replies: 3
Views: 655

Re: Bit the Bullet Selling Wellesley buying bonds and VTSAX

Not so - if you fail to deliver funds to settle the trade, I assure you - you will be receiving a phone call, if you don't answer it, they might cancel the trade and could come after you for compensation if the market moves against the position. It's not so cut and dried, when you don't deliver the...
by DualIncomeNoDebt
Thu Nov 20, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bit the Bullet Selling Wellesley buying bonds and VTSAX
Replies: 5
Views: 1440

Re: Bit the Bullet Selling Wellesley buying bonds and VTSAX

May I ask if anyone from VG actually contacted you afterwards, simply to confirm that you launched these large transactions? Nothing a personal Vanguard investor does is "large," unless you are Gates, Buffett or a Saudi prince with billions at Vanguard. Reality check: United States intrad...
by DualIncomeNoDebt
Thu Nov 20, 2014 8:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Bit the Bullet Selling Wellesley buying bonds and VTSAX
Replies: 5
Views: 1440

Re: Pension buyout offer - Accept or reject

Sounds way low. If you can be assured the pension will have sufficient reserves to pay benefits decades from now, stay with the pension.
by DualIncomeNoDebt
Wed Nov 19, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer - Accept or reject
Replies: 46
Views: 8186

Re: Extreme Generosity / Limiting Net Worth

(We could each realistically strive for lifetime 8-digit net worth, but doing so seems empty.) Not so. Consider an alternative. Accumulate as much as you can, and don't spend a penny for a number of years. Your goal: to set up a foundation to last multiple lifetimes. This is what many wealthy famil...
by DualIncomeNoDebt
Sun Nov 16, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Extreme Generosity / Limiting Net Worth
Replies: 113
Views: 23417

Re: What if I Never Buy a House?

Either don't buy, or engage in cost of living arbitrage. That is, find a locale you like anywhere on the planet where it is both cheap yet has what you want. Call it your planetary home base. Then go out and buy an inexpensive place, maybe with a little bit of land. Could be anywhere, either in a no...
by DualIncomeNoDebt
Sat Nov 08, 2014 12:45 am
 
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 57
Views: 7670

Re: Adoption [Experience from those who have adopted]

Surprised to see so many adoptive parents. Don't know why. Maybe because I don't know anyone who has adopted children.
by DualIncomeNoDebt
Fri Oct 31, 2014 2:06 am
 
Forum: Personal Consumer Issues
Topic: Adoption [Experience from those who have adopted]
Replies: 39
Views: 5319

Re: Anyone consider retiring to Vancouver, Washington?

If you could afford a place on the Columbia River Gorge, it'd be perfect. We looked at some luxury riverfront condos, prices started at around $800k. That's expensive to some, but compared to New York or California coast, that's an unbelievable bargain (all relative). Spectacular setting, it's aweso...
by DualIncomeNoDebt
Fri Oct 31, 2014 1:51 am
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 45
Views: 4766

Re: Should I buy a New Car?

Leasing: if you are dead-set on leasing, try to get into an existing lease. You can review available cars and lease terms on sites such as leasetrader.com, swapalease.com, and others. People lease cars, and for whatever reason need to get out of them, or can't afford them. Instead of breaching the c...
by DualIncomeNoDebt
Thu Oct 30, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy a New Car?
Replies: 21
Views: 1668

Re: $116k Med School Debt - Pay Off or PSLF?

No question, pay it off. Then put your wife's degree to work and get a high-paying job. Do it for five years, bank that money, and you will be very far ahead of the game. You could have a healthy retirement fund already set up at relatively young ages, or have the kids' college educations already pa...
by DualIncomeNoDebt
Thu Oct 30, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: $116k Med School Debt - Pay Off or PSLF?
Replies: 44
Views: 2845

Re: Subpoena

The board's counsel should prepare your response. A letter may be sufficient, but maybe not, as the board may want to interpose objections, etc. concerning the subpoena. Either way, nothing to be worried about. It's routine.
by DualIncomeNoDebt
Fri Oct 24, 2014 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Subpoena [Received subpoena, how to proceed?]
Replies: 13
Views: 2324

Re: How to buy oil in the stock market?

OP, pass on this. Commodities markets are rigged, and the biggest fraud of them all is oil. Not an exaggeration given the significant CFTC and DOJ activity in many markets, including LIBOR, Forex, aluminum, gold, silver, and in the not-too-distant past copper, platinum, palladium, and everything els...
by DualIncomeNoDebt
Fri Oct 24, 2014 5:14 am
 
Forum: Investing - Theory, News & General
Topic: How to buy oil in the stock market?
Replies: 32
Views: 2403

Re: I feel I did the Right thing , but NOW WHAT?

What a mess. I feel for the OP. [OT comment removed by admin LadyGeek]
by DualIncomeNoDebt
Sun Oct 19, 2014 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: I feel I did the Right thing , but NOW WHAT?
Replies: 36
Views: 5464

Re: Making an offer today

DJB wrote:Now the negotiation begins. It will be interesting.


It won't be. Generally, three counters and either you have a deal, or you don't. And if you lowballed, which it sounds like you did, they may not even respond. I know how I would respond: my counter is full asking price. Don't like it? Walk.
by DualIncomeNoDebt
Sat Oct 18, 2014 5:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Making an offer today
Replies: 44
Views: 4973

Re: Got my first cold call - does this mean I've 'made it?'

kenyan wrote:Got my first cold call - does this mean I've 'made it?'


No.
by DualIncomeNoDebt
Thu Oct 16, 2014 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got my first cold call - does this mean I've 'made it?'
Replies: 30
Views: 5750

Re: Re-entering market - all at once, or over time?

This question has been asked many, many times, and in many forms, be it DCA versus lump sum, investing a windfall, market risk, tail risk, etc. etc. etc. I would search all prior postings for a complete picture, as I imagine those who have given sage advice will simply ignore the topic. In the prior...
by DualIncomeNoDebt
Thu Oct 16, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Re-entering market - all at once, or over time?
Replies: 13
Views: 980

Re: How to write an effective complaint letter

protagonist wrote:battery died 14 months after purchase. Two months after the warranty expired.


Company will not care. Will. Not. They will tell you their obligation to you is the one-year written warranty, and not a day longer. You will be wasting time.
by DualIncomeNoDebt
Thu Oct 16, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: How to write an effective complaint letter
Replies: 27
Views: 1545

Re: Headed for a 300+ point loss today?

Let's see how far today's drop goes. AS a young investor this is finally some great news. I will be increasing my contributions in my Roth 403b and Roth IRA. I would never want to wish any harm on people's jobs/homes...but I do love seeing stocks in free fall. Risk assets have been propped up by ma...
by DualIncomeNoDebt
Thu Oct 16, 2014 6:15 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 37084

Re: Headed for a 300+ point loss today?

I mostly agree, with one caveat. During periods of heavy Fed intervention, the normal timescale is stretched out and warning signals can possibly be acted on in time to do some good. A problem has been general disdain for discussion about Federal Reserve and central bank action. I can't think of a ...
by DualIncomeNoDebt
Wed Oct 15, 2014 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 37084

Re: Feeling very fortunate today!

This discussion has "son of Plan B" written all over it. As for you 100% QQQ punters, good luck with 3x beta for 0.33 alpha.
by DualIncomeNoDebt
Wed Oct 15, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 73
Views: 11949

Re: Relatively new here. What did you do in 2008/09

I was a big-time lurker throughout the housing and stock market crash. In my opinion, the tone was measured by some, and apocalyptic by others. I second the "Plan B" reference, you should look at the posts from that time. Eye-opening and revelatory. Every single day, it seemed, another inv...
by DualIncomeNoDebt
Tue Oct 14, 2014 12:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10472

Re: Help me not thinking about getting a brand new car

What's the warranty on a new car vs. a used car? Depends if you are purchasing a "certified pre-owned" vehicle. For example, Lexus CPO , it's three years or 100,000 miles on a CPO car, no deductible. That's pretty darn good on a used car, and it's why Lexus CPO is very popular. For MBenz ...
by DualIncomeNoDebt
Mon Oct 13, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Help me not thinking about getting a brand new car
Replies: 16
Views: 1008

Re: Help me not thinking about getting a brand new car

What am I not seeing here? Should not brand new car cost a lot more than used one in the long run? What am I missing here? What you are missing is relatively low-priced, reliable commuter cars like Toyotas and Hondas have high residual values and low depreciation rates. Bargains are slim because pe...
by DualIncomeNoDebt
Mon Oct 13, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Help me not thinking about getting a brand new car
Replies: 16
Views: 1008
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