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Re: Downside to eDelivery?

All electronic here.
Fidelity has prior year statements available online so I don't print anything (10 years online as I recall).
If I want to save something I convert to pdf and store in that year's tax folder on my computer.
Less clutter, and I never really look at the statements anyway.
by J295
Sat Jan 24, 2015 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Downside to eDelivery?
Replies: 18
Views: 851

Re: QuitClaim Deed

Good idea to consult counsel (disclosure, I am a lawyer). Various issues to consider .... Will ownership be joint tenants, tenants in common, or otherwise (depending on your state, perhaps there is tenancy by the entirety or community property rules)? Are there any outstanding judgments or tax liens...
by J295
Sat Jan 24, 2015 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: QuitClaim Deed
Replies: 22
Views: 1003

Re: Should I Declare Victory and Pack It In?

I noticed an earlier post about part time work. One poster shared the potential for HSA and IRAs. Also, remember that health insurance premiums you pay for will be deductible (adjusted in you qualify for an insurance premium subsidy), and OP may also wish to consider a solo 401k in lieu of IRA (whic...
by J295
Sat Jan 24, 2015 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 16299

Re: Cosign or write loan

lovetogolf » Wed Jan 21, 2015 7:14 pm Thanks for the responses. This is a very tough crowd! More info. They just had a baby ( our first granddaughter) and live in a tough neighborhood in Rochester so I really want them to move. I had considered just buying he house for them outright as we can well ...
by J295
Thu Jan 22, 2015 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cosign or write loan
Replies: 40
Views: 1448

Re: Gotta Be a Bear Market Coming

Indeed. Could start tomorrow, or in 5 years, or in between or later ......
by J295
Thu Jan 22, 2015 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7198

Re: Milevsky's got me thinking immediate annuity????

dhodson » Wed Jan 14, 2015 7:48 am
I also wouldn't want to put a ton of money into any one company for 30-40 years.


Agree
by J295
Mon Jan 19, 2015 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Milevsky's got me thinking immediate annuity????
Replies: 28
Views: 2426

Re: Should I Declare Victory and Pack It In?

OP -- best of luck. Unfortunately, there is no owner's manual or crystal ball for this decision. Fortunately, you are a well educated person with skills, resources, and a supporting spouse. My perspective is that you and your wife can make this work. Your resources are strong and I'm not willing to ...
by J295
Fri Jan 16, 2015 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I Declare Victory and Pack It In?
Replies: 173
Views: 16299

Re: Already having second thoughts about HSA Bank

Late to post here as it sounds like OP has made a decision. We've been with HSA for a couple of years now and it has been smooth sailing. Hope there are no choppy waters next time we need to handle something there. Best regards.
by J295
Thu Jan 15, 2015 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Already having second thoughts about HSA Bank
Replies: 19
Views: 2242

Re: Purchase New House Before Selling Old

I'd go with a loan on the new home. You could always pledge your securities as additional collateral to the bank if required. It's a subtle point that may or may not end up being pertinent, but the reason I prefer to leave the current home unencumbered is so that if serious prospects look at your ti...
by J295
Sun Jan 11, 2015 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchase New House Before Selling Old
Replies: 17
Views: 997

Re: Whole life insurance paid up as a child, should I still

Looks like OP is getting great advice from those in the know. My experience with paid up whole life is more random. My dad purchased a policy for me when I was born. 22 years later I'm in professional school with two nickels to rub together and in love. I cashed in the policy and took out a student ...
by J295
Sun Jan 11, 2015 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole life insurance paid up as a child, should I still cash
Replies: 12
Views: 1129

Re: Recommendations for bathroom scale and an oral thermomet

Actually, we don't own a scale. It makes for an adventure when a large suitcase is packed and we don't know what side of 50 pounds it is on.
by J295
Sat Jan 10, 2015 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations for bathroom scale and an oral thermometer.
Replies: 11
Views: 840

Re: What is the international portion of your portfolio and

International is 1/3 of the total equity allocation.
by J295
Sat Jan 10, 2015 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 126
Views: 8662

Re: Fidelity Donor Advised Fund

Thanks for the insights.
by J295
Sat Jan 10, 2015 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Donor Advised Fund
Replies: 43
Views: 2869

Fidelity Donor Advised Fund

I'm curious if anyone has had experience with the Fidelity donor advised fund that they would be willing to share. We've had such a fund with our local community foundation, but we're considering Fidelity. We've had accounts with Fidelity for over 30 years and been very pleased with customer service...
by J295
Sat Jan 10, 2015 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Donor Advised Fund
Replies: 43
Views: 2869

Re: retirement coming, health insurance?

We have a high deductible plan purchased through the Exchange. We fully fund our HSA and pay medical expenses with funds other than the HSA (thus allowing the HSA to grow tax free for ultimate withdrawal years down the road). Fortunately, right now I have some self employment income so the premium p...
by J295
Sat Jan 10, 2015 5:22 pm
 
Forum: Personal Consumer Issues
Topic: retirement coming, health insurance?
Replies: 26
Views: 2899

Re: Is a Sub-4% SWR a Boglehead Quirk?

Who knows what will unfold for each of us in the next 30 -40 days, let alone the world and our finances in the next 30-40 years? Certainly I advocate for prudence and proper planning; however, to some extent the finer points of the SWR dialogue tends to be fencing with windmills. Flexibility and cre...
by J295
Sat Jan 10, 2015 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10619

Re: "Vanguard Group execs say deflation a real risk..."

Respectfully, I believe their crystal ball is no better than anyone else's.
by J295
Sat Jan 10, 2015 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard Group execs say deflation a real risk..."
Replies: 61
Views: 6213

Re: Ridiculous closing costs on cash deal?

As between the buyer and seller who pays for what is technically negotiable. However, in my experience there is a strong default to follow what is customary for the area (in our case, for example, closing costs and owner's premium are split, and survey paid by buyer). Here, title premiums are regula...
by J295
Sat Jan 10, 2015 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ridiculous closing costs on cash deal?
Replies: 15
Views: 2723

Re: Thinking about retirement - it's depressing

You may consider that your angst is a springboard for digging much deeper into your self for reflection and, perhaps, some action. This could be a great opportunity to learn more about the real you. If you pursue deep examination know that it is usually hard work. A trusted spouse or friend can be a...
by J295
Thu Jan 08, 2015 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Thinking about retirement - it's depressing
Replies: 80
Views: 8505

Re: Having a lot of kids really paid off.

Love it!
by J295
Thu Jan 08, 2015 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Having a lot of kids really paid off.
Replies: 17
Views: 2571

Re: What is the best product to clean golf clubs?

Soapy water brush cleaning after every round works just fine. Towel cleaning during round is a matter of preference. For those who belong to a golf club, I agree with being generous to the club room staff (Somewhat along these lines, with the head pro's permission, we have hired some of the club roo...
by J295
Wed Jan 07, 2015 7:56 pm
 
Forum: Personal Consumer Issues
Topic: What is the best product to clean golf clubs?
Replies: 14
Views: 1044

Re: Any art "investors" here?

Not an art "investor" but in the past couple of years have developed an interest in art generally, principally through our architect's and designer's urging in connection with a total renovation of a town home we purchased. We just recently purchased our first three abstract pieces. We lov...
by J295
Wed Jan 07, 2015 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Any art "investors" here?
Replies: 68
Views: 5554

Re: 50/50 simplicity

Reasonably close here ..... age 55 couple with very part time professional work which will further drift to zero in the next few years .....

50 stock
5 Alternative
31 Fixed
14 Cash

Roughly could be considered 55/45

Just rebalanced to reduce stock and increase fixed.

Enjoy.
by J295
Wed Jan 07, 2015 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50/50 simplicity
Replies: 25
Views: 3131

Re: Anyone else reluctant to put new money in bonds right no

At year end our stock allocation breached the IPS allocation by more than 5% so we are reducing the stock allocation and purchasing additional bond funds per the IPS.
by J295
Tue Jan 06, 2015 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone else reluctant to put new money in bonds right now?
Replies: 27
Views: 3417

Re: Poll: Favorite Coping Strategies for Volatility

Having experienced and witnessed a number of significant financial and non-financial events during my personal and professional life, and having values anchored in faith, family, and friends, we have an orientation where the volatility doesn't register to a significant level. As a practical matter, ...
by J295
Tue Jan 06, 2015 11:37 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Favorite Coping Strategies for Volatility
Replies: 41
Views: 2646

Re: Would you pay for this level of (bad) service?

I'm curious .... what was the issue and were you in a position to check the viability of the repairs when you received back the unit (i.e. fire it up in July and likely be able to check everything except for actually seeing it throw snow).
by J295
Tue Jan 06, 2015 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Would you pay for this level of (bad) service?
Replies: 26
Views: 3083

Re: Cancel Homeowner's Insurance?

OP ... sounds like you believe you've got helpful info on the homeowner's question now .... as for the medical, I believe you will only be able to obtain coverage during the open enrollment period (assuming you are eligible for ACA coverage -- no group coverage available). Thus, you could be uninsur...
by J295
Tue Jan 06, 2015 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6603

Re: How to break up with an advisor

Good of you to reach out to your friend.
by J295
Mon Jan 05, 2015 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to break up with an advisor
Replies: 33
Views: 3149

Re: Do you keep all your eggs in one basket?

We have accounts at Fidelity, Vanguard, and the firm 401K provider. Works just fine for us.
by J295
Sun Jan 04, 2015 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you keep all your eggs in one basket?
Replies: 31
Views: 3327

Re: Real estate taxes/rental properties

tbilltubbs IMO a single member LLC offers no benefit to the member. In our state, and I believe in most if not all other states, a properly formed and operated LLC can generally protect the single member LLC owner from personal liability with respect to real estate ownership and rental. Certainly c...
by J295
Sun Jan 04, 2015 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate taxes/rental properties
Replies: 7
Views: 1011

Re: Do you keep manuals/packaging for products you buy?

I have been able to find manuals I need online.
by J295
Sun Jan 04, 2015 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Do you keep manuals/packaging for products you buy?
Replies: 34
Views: 2046

Re: House paid off - Transfer to Trust?

Disclosure: I am practiced law for about 30 years then went to part time a couple of years ago. I believe you would be best served by engaging legal counsel to help you refine your objectives and then prepare the necessary documents. There are likely some issues you haven't considered. For example, ...
by J295
Sun Jan 04, 2015 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: House paid off - Transfer to Trust?
Replies: 6
Views: 1326

Re: Paper Statements

Just a matter of preference. No paper statements here.
by J295
Sun Jan 04, 2015 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3391

Re: "Soft Retirement" possible?

by 123 » Thu Jan 01, 2015 2:12 pm For most folks in your situation a primary issue is acquiring and keeping medical coverage. "Part time" usually equates to no medical benefits. Costs of health insurance can easy exceed the cost of housing (even though your home is paid off). If you buy h...
by J295
Thu Jan 01, 2015 3:42 pm
 
Forum: Personal Consumer Issues
Topic: "Soft Retirement" possible?
Replies: 29
Views: 4851

Re: "Soft Retirement" possible?

At age 53 I transitioned away from full time professional work to (very) part time status at age 53, during the peak earning years, and am highly satisfied with the life experience of the past two years. I had no expectations of what our life would be like in the next chapter, and have enjoyed all t...
by J295
Thu Jan 01, 2015 1:33 pm
 
Forum: Personal Consumer Issues
Topic: "Soft Retirement" possible?
Replies: 29
Views: 4851

Re: Obamacare and HSA's

If your financial situation permits you to pay the expenses from sources other than the HSA you can let the HSA grow tax free (and reimburse yourself later -- i.e. 20 or 30 years later -- from the HSA accounts tax free, including the growth). If you go this route keep track of your reimbursable expe...
by J295
Tue Dec 30, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare and HSA's
Replies: 2
Views: 590

Re: Health Insurance - Retiree questions

Two of us each age 55 insured with BC/BS purchased through the exchange. HD Bronze Plan with premiums around $10k for both of us, which is less than what I was paying for premiums when I was a partner in my business (where we essentially paid our own full cost of premiums for Bc/BS group coverage). ...
by J295
Tue Dec 30, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 16
Views: 2346

Re: Index fund investing - now or wait

The important thing is to do something now .... in the scheme of things whether you go in now or gradually over the next year I suspect the amounts, while no doubt significant to you (as they should be), are modest in the long term view. So, either jump in now or auto invest the amount over the next...
by J295
Tue Dec 30, 2014 12:03 am
 
Forum: Investing - Theory, News & General
Topic: Index fund investing - now or wait
Replies: 7
Views: 1355

Re: Client Not Letting Independent Contractor Use LLC?

My wife is a marriage & family therapist and she provides counseling services to kids & families currently via the agency she contracts with, however, she is trying to start a private practice that will enable her to see patients & bill their insurances directly thereby cutting out the ...
by J295
Mon Dec 29, 2014 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Client Not Letting Independent Contractor Use LLC?
Replies: 32
Views: 2902

Re: Client Not Letting Independent Contractor Use LLC?

I don't see the value in posts second guessing the company, given that OP's wife has worked for and wants to continue working for it. Instead, I'd suggest dialoguing about potential solutions -- recognizing that there is limited information. Absent some unknown issues (particularly potential liabili...
by J295
Mon Dec 29, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Client Not Letting Independent Contractor Use LLC?
Replies: 32
Views: 2902

Re: How Much Do You Sacrifice?

Awareness promotes intentionality, which I think makes for good decision making on this issue (which decisions vary from person to person, as we are all unique). In our case, I have always enjoyed golf and my wonderful wife supports me in pursuing it. So, while I'll walk a mile in the cold rather th...
by J295
Mon Dec 29, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: How Much Do You Sacrifice?
Replies: 82
Views: 6586

Re: Where the self employed should open an HSA account?

HSA Bank.
Great service, reasonable fees, good investment choices (including Vanguard Wellington).
Enjoy the weekend.
by J295
Wed Dec 24, 2014 12:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Where the self employed should open an HSA account?
Replies: 7
Views: 784

Re: Issues selling our house

Very carefully read your contract.
by J295
Wed Dec 24, 2014 12:17 am
 
Forum: Personal Consumer Issues
Topic: Issues selling our house
Replies: 14
Views: 2343

Re: Self employment - health ins deductible

For self employed individuals the policy can be under the name of the individual and does not have to be in the name of the "business." This is stated in the link posted earlier. For the OP -- Is your husband an insured and is he paying the premiums (or using a joint account to pay premium...
by J295
Wed Dec 24, 2014 12:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Self employment - health ins deductible
Replies: 18
Views: 1689

Re: What % of net worth is your home?

H & W age 55.
Home paid for.
Home is 15% of net worth.
by J295
Tue Dec 23, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 10748

Re: Who should pay for this meal?

Interesting issue, and I appreciate that these can be a bit awkward. I'd probably expect to pay since that is the pattern that has been set, but if they offer to do otherwise then it seems appropriate to go that route. Regardless of the outcome, I'd go in with the attitude that this is a wonderful o...
by J295
Sun Dec 21, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 79
Views: 7897

Re: We made our own Will

If my spouse and child#1 do not survive me, (there is a 45 day waiting period for survival) all the probate-property goes to my Child#2 if my spouse and child#2 do not survive me, all my property goes to child #1 I am a lawyer (but am not giving legal advice here). To the OP .... have you considere...
by J295
Sat Dec 20, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: We made our own Will
Replies: 52
Views: 3740

Re: Stronger protection against personal lawsuits

You are correct that there is a risk in the rollover. Absent leaving funds in the 401k you can obtain greater protection by increasing insurance coverages (including umbrella).
by J295
Tue Dec 16, 2014 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Stronger protection against personal lawsuits
Replies: 12
Views: 1826

Re: Should CASH be counted in allocation planning

We include cash in our allocation, which has four categories:

Cash
Fixed
Equities
Alternatives

We keep a fairly large cash balance
We do not include our paid for home, cars, etc.
We do not include future social security

We are 55 with one part-time worker.
by J295
Tue Dec 16, 2014 12:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Should CASH be counted in allocation planning
Replies: 15
Views: 1142
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