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Re: Owning property jointly with family member

I would think your nephew would, also, like the same protections. Or, is he against what you want to do?
by SnapShots
Mon Oct 20, 2014 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Owning property jointly with family member
Replies: 15
Views: 1234

Re: Headed for a 300+ point loss today?

DH and I just returned from spending 10 weeks in the mountains and didn't know all this was going on. Now back into the real world and I wonder how much we've lost. Should I look? :?
by SnapShots
Wed Oct 15, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28432

Re: Why do companies put up with high expense 401k choices?

It basically comes down to one of 2 things: ⋅  ignorance where they have no clue that much lower cost options exist or that the "absolutely no cost to the company" plan is just hiding the often exorbitant costs by gouging the employees ⋅  collusion where they go with t...
by SnapShots
Thu Jul 10, 2014 6:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Why do companies put up with high expense 401k choices?
Replies: 15
Views: 1583

Re: Tiny House Movement

I love the idea of tiny homes for a parent who may need to move closer to adult children. Or, a place for a college kid to live while going to school that can be turned into a guest house, or a private studio office. These types of homes can be placed in back yard. Everyone has their own space but ...
by SnapShots
Wed Jul 09, 2014 7:29 am
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 16197

Re: Tiny House Movement

Series Premiere - Tiny House Nation - Starts: Wednesday July 9 10pm ET/11pm PT - fyi channel http://us5.campaign-archive2.com/?u=72ee9daa08c9bab48831f7f16&id=00e6052672&e=d85d3eefa4 In “Tiny House Nation,” renovation experts and hosts, John Weisbarth and Zack Giffin, travel across America t...
by SnapShots
Wed Jul 09, 2014 7:25 am
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 16197

Re: Tiny House Movement

I love the idea of tiny homes for a parent who may need to move closer to adult children. Or, a place for a college kid to live while going to school that can be turned into a guest house, or a private studio office. These types of homes can be placed in back yard. Everyone has their own space but f...
by SnapShots
Sat Jul 05, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 16197

Re: Continue subscribing to local newspaper?

I have an entirely different view on this than the all the previous posters. I live in what is widely regarded as the most corrupt city and state in the country. Something like 10% of all our city alderman go to prison. Jesse Jackson Jr is in prison. Two of the last three governors of Illinois are ...
by SnapShots
Fri Jul 04, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6546

Re: Longevity Insurance now allowed in IRA/401k/etc.

You could buy a deferred annuity today for 125k at 65 that would pay out 6k/month (sole)/4k (death benefit)/3k (with surviour and death benefit) at 85. Is assume this a mistake: One can buy an annuity for $125K and receive $3K to $6K per month in 20 years with survivor benefits? Should this be per ...
by SnapShots
Fri Jul 04, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 105
Views: 6543

Re: Longevity Insurance now allowed in IRA/401k/etc.

You could buy a deferred annuity today for 125k at 65 that would pay out 6k/month (sole)/4k (death benefit)/3k (with surviour and death benefit) at 85. Is assume this a mistake: One can buy an annuity for $125K and receive $3K to $6K per month in 20 years with survivor benefits? Should this be per ...
by SnapShots
Fri Jul 04, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Insurance now allowed in IRA/401k/etc.
Replies: 105
Views: 6543

Re: Continue subscribing to local newspaper?

We subscribe to three small town local newspapers and one state wide paper. You can only get local news through a local newspaper ; such as what is your city council up to? If you're connected to the community, the obituary section is important as it's nice to know whose died. You local hometown and...
by SnapShots
Fri Jul 04, 2014 8:24 am
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6546

Re: Rental property in asset allocation

considering the REIT vs. Rental Property endless debate, I would be interested in a performance graph comparing the average returns of the two. Can this be obtained anywhere? I don't see how there can be an endless debate when these two things are totally different. One is has nothing to do with th...
by SnapShots
Wed Jul 02, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Rental property in asset allocation
Replies: 24
Views: 1212

Re: Paid off home as LTC Insurance?

If your home is paid off, you have lots of options. Depending on your stage in life you and financial need, you could do a reverse mortgage and fund in home help. I NEVER thought I would want to live in an all inclusive retirement community, but as I get older and DH and I experience health issues ....
by SnapShots
Sun Jun 29, 2014 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off home as LTC Insurance?
Replies: 38
Views: 2080

Re: Rental property in asset allocation

To me real-estate investments are different from cash investments in stocks, CDs, bonds, annuities, pensions, SS, etc. Real-estate is part of our overall financial portfolio or net worth. Some of our real-estate is income producing other properties are not. Real-estate is not a liquid asset and we c...
by SnapShots
Thu Jun 26, 2014 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Rental property in asset allocation
Replies: 24
Views: 1212

Re: Retired Bogleheads want to relocate to California

P.S. I think they still have trailer parks in HB, even some right along the beach. Is that boglehead enough for you? https://www.google.com/search?client=safari&rls=en&q=trailer+park+huntington+beach&ie=UTF-8&oe=UTF-8 Manufactured homes is the correct term. An RV would be trailer li...
by SnapShots
Sun Jun 22, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 7126

Re: ? Best car for a new driver

Don't give a new car to a first driver. Give them a car that is safe with lots of metal around them and has good gas mileage. They will drive across town to tell a friend, they can't pick the up. My kids scared me so much, I had to close my eyes to ride with them. It wasn't long before I refused to ...
by SnapShots
Sat Jun 21, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: ? Best car for a new driver
Replies: 41
Views: 1553

Re: Should we or shouldn't we make a move at this age?

This house is 1,000 sq ft bigger than my current home. It is 3,000 sq ft house. We need an extra room for 5 people, our current house is 3 BR, I have my brother lives with me. He helps us watching kids and homework. He is a big help to us. monrab, the reason you want to move is because of your neig...
by SnapShots
Wed Jun 18, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Should we or shouldn't we make a move at this age?
Replies: 37
Views: 2959

Re: Engagement Ring - Diamond Help

I hate diamonds. They are neither rare nor precious, a lie concocted by De Beers (and N.W. Ayer), who stockpiles massive amounts of the things, controlling global supply. Please read this seminal 1982 piece before you "invest" in a piece of carbon. http://www.theatlantic.com/magazine/arch...
by SnapShots
Tue Jun 17, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 4567

Re: Selling Apt. Buildings. Best Option for Reinvestment? 1

1031 Exchange and flipping to primary home Example of how to turn a rental into a primary home: Say for example, your retiring in a year or so and want to downsize or move. Sell your current investment property, do a 1031 exchange on a home you want to live in when you retire. Rent it for a short ti...
by SnapShots
Tue Jun 17, 2014 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Selling Apt. Buildings. Best Option for Reinvestment? 1031?
Replies: 11
Views: 800

Re: Selling Apt. Buildings. Best Option for Reinvestment? 1

First things first. You need to visit with a CPA and find out how much will be owned on the property if sold. You not only have capital gains tax to consider but depreciation deductions will have to be paid back. In you inherited this property, you can sell it at the present day value and not pay an...
by SnapShots
Tue Jun 17, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Selling Apt. Buildings. Best Option for Reinvestment? 1031?
Replies: 11
Views: 800

Re: Thoughts on renting an inherited home in Dayton, Ohio

Unless you are wanting to retire or move there, sell the property. You will regret being an out-of-state landlord.

Trust me on this.
by SnapShots
Tue Jun 17, 2014 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on renting an inherited home in Dayton, Ohio
Replies: 9
Views: 507

Re: Can someone explain B Bernstein's math

Call_Me_Op wrote:It certainly is possible, right?


Depressing. I suppose most everybody would be in the same boat, so to speak, and we'd just keep rowing.
by SnapShots
Tue Jun 17, 2014 8:27 am
 
Forum: Investing - Theory, News & General
Topic: Can someone explain B Bernstein's math
Replies: 42
Views: 4277

Re: Convince me to visit Italy

Recently retired.. wife and I have criss-crossed the USA, visited England, Ireland. Somewhat curious about Italy, Tuscany, etc. But not really into cathedrals, museums.. more into beautiful countryside, great food. Would it be a waste to go to Italy without that interest in history, religion, art, ...
by SnapShots
Mon Jun 16, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5631

Re: When to annuitize for livetime income.

Theory: My wife and I purchased two SPIAs around the age of 80. We felt that waiting offered several important advantages: * The premium is less or the lifetime income is larger the longer you wait. * Inflation is less of a factor which allows an expensive "inflation rider" to be avoided....
by SnapShots
Sat Jun 14, 2014 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuitizing for retirement - what if the market is down?
Replies: 43
Views: 3987

Re: Cutting the cable cord - how did you do it?

My brother uses a mohu leaf antenna and has an Apple TV ($99) for streaming PBS, Netflix, Hulu Plus. Netflix is great for prior season TV shows. Hulu Plus has current season shows. He doesn't have a DVR and doesn't really need it since he can stream content. When I showed him the mohu antenna and A...
by SnapShots
Sat Jun 14, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 63
Views: 4648

Re: Payoff mortgage or wait it out?

I don't understand why your company will not pay selling costs - now - since you are currently on reassignment? Although 4% return sounds good in today's market, personally, I would not want to tie up $500K in one rental property and worst yet a property that is out-of-state or out-of-country. You h...
by SnapShots
Tue Jun 10, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Payoff mortgage or wait it out?
Replies: 10
Views: 1212

Re: Avoiding the two house monster...

It seems what is missing here are realtors. OP, was this a for sale by owner? I've had good and bad experience with realtors. Mostly, no so good. However, a good one is worth their fee. A good one would not have let the contract time line period for rejection, lapse. A realty company can also be hel...
by SnapShots
Sat Jun 07, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding the two house monster...
Replies: 21
Views: 2185

Re: Avoiding the two house monster...

In my state nondisclosure of known issues is a serious omission and can get the seller sued after a sale. A foundation problem such as you've described was a fraudulent act. I don't understand why your deposit has not been returned? Even if the contract stated you would accept the property as is, it...
by SnapShots
Sat Jun 07, 2014 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding the two house monster...
Replies: 21
Views: 2185

Re: Living in or near San Diego

I lived in San Diego for 13 months. Weather is, almost, perfect. From what I remember it was a little foggy in January; I was told that was winter. It, also, thundered one time. That was exciting. It's a short drive to the ocean. The water is a little bit cold and salty. Plenty of good sea food. Eas...
by SnapShots
Mon Jun 02, 2014 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living in or near San Diego
Replies: 17
Views: 1832

Re: Health Insurance Hell

vested1/OP: It may come as surprise, doctors many, many times have no idea how much a drug costs. Or, what a hospital charges. Your wife may have taken many different drugs and found the expensive med to be the only one that works. And, her doctor may know how much it cost. However, it does not hurt...
by SnapShots
Fri May 30, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Hell
Replies: 32
Views: 4226

Re: Health Insurance Hell

Go online to Cheapodrugs.com and see how much the drugs you need cost from Canada. I have bought from this pharmacy and others in Canada for 10 years or more. My husband's a physician and he purchases drugs from Canada. We have many physician friends to buy drugs from Canada and recommend Canadian p...
by SnapShots
Fri May 30, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Hell
Replies: 32
Views: 4226

Re: declining job due to travel

OP ... let us know what you decide.

Best Wishes with whatever that maybe
by SnapShots
Tue May 27, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 12202

Re: Help with elderly portfolio -- nearing end of draw down

Regarding Medicaid. Each state has it's own rules but Medicaid pays for long-term nursing home care and medications, indefinitely. In my state a spouse is allowed to keep approximately $25,000 in cash and living expenses of $2,000 per month. If there is a home, the spouse can stay in the home and Me...
by SnapShots
Tue May 27, 2014 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with elderly portfolio -- nearing end of draw down
Replies: 25
Views: 2068

Re: Help with elderly portfolio -- nearing end of draw down

Why are you involved? Why is it a non-starter for them to live with family? Some of their money could be used to turn a garage into a separate living area in someone's home. It will increase the value of the home when they are gone, along with helping grandparents save money and providing them famil...
by SnapShots
Mon May 26, 2014 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with elderly portfolio -- nearing end of draw down
Replies: 25
Views: 2068

Re: The in-laws are broke!

If there are mental health issues or suspected dementia this changes the direction of the whole discussion, which you did not note in the original post.
by SnapShots
Mon May 26, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16578

Re: The in-laws are broke!

You can help them without giving them money unless they are in a completely desperate situation(losing house, bankruptcy etc....) I'd offer to set them up with a budget and advice on eliminating wasteful spending etc.... They are likely to reject this idea and possibly get mad in which case I'm don...
by SnapShots
Mon May 26, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16578

Re: The in-laws are broke!

The Boglehead forum is very good at handing out a whole of criticism, especially in regard to parents who in their later years might need financial help. It serves no purpose to go back in history and criticize elderly parents or persons who did not save enough, spent more than they should or live t...
by SnapShots
Mon May 26, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16578

64 YROld Romance Rekindles:Upsets Daughters

I would like to help a friend who is in much pain over her father’s new relationship. Any help in understanding the dynamics from those who may have experienced a similar situation would be helpful. The scenario: The lady is 83 years old. Her husband of 63 years recently died. A few weeks after husb...
by SnapShots
Sun May 25, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: 64 YROld Romance Rekindles:Upsets Daughters
Replies: 19
Views: 1798

Re: Real Estate Advice

Find a landlord who manages their own property and ask for a copy of their lease agreements. Talk to them about what's in the lease and why. Do research the area and find out how much property is renting for. A large number of properties are actually easier to rent and manage than one. Property owne...
by SnapShots
Sun May 25, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advice
Replies: 26
Views: 2748

Re: Convincing a parent to retire

Does your sister want to go into your father's practice or move back home? If she has other expectations, this may be key in getting dad to work part-time or close his practice. If you father cannot hang on for three years: Perhaps she should say she's not coming home, even if she might think she is...
by SnapShots
Sat May 24, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Convincing a parent to retire
Replies: 19
Views: 3193

Re: declining job due to travel

investing dad wrote : Understood...but you're probably looking at this through the lens of somebody that enjoys travelling. I don't. This is exactly what I'm talking about. Get out of your comfort zone. The kids are an excuse. It's good for them, your wife and for you. Togetherness is wonderful. Bu...
by SnapShots
Fri May 23, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 12202

Re: declining job due to travel

Oh for goodness sakes take the promotion. One week, every three months .. one month out of the year. What a deal you're being offered. A chance to learn. A chance to expand your understanding of another culture; and important one at that. A chance to become enlighten to things you will cannot learn ...
by SnapShots
Fri May 23, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 12202

Re: How much house should I buy? (young person with many ass

I read most people who inherit or win the lottery go through the money in 5 years or less. At 25 and single, don't buy a house. Find yourself a cool apartment. Keep working and saving. Spend some of your inheritance on travel. Learn about other cultures and get out of your comfort zone. Your ideas o...
by SnapShots
Thu May 22, 2014 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much house should I buy? (young person with many assets)
Replies: 71
Views: 5860

Re: Recommended Parenting Books

After moving to our empty nest-er house; one day while sitting in our TV room, I looked over at a bookshelf filled from one end to the other with nothing but how to raise children books. Smiling and shaking my head I thought: I really! really! did try. How to raise children books are like weight los...
by SnapShots
Wed May 21, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 30
Views: 2321

Re: White collar crime book recommendations?

freebeer wrote:"The Wolf of Wall Street" of course. Fiction (lowbrow) OK? if so then "Clawback".


I hope the book is better than the movie. The movie was so intense and over the top, as well as, l-o-n-g I turned it off mid way and never went back to see the end.
by SnapShots
Wed May 21, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: White collar crime book recommendations?
Replies: 21
Views: 1131

Re: Convince me to choose a Suburban over a Sequoia

Toyota and foreign cars in general are overrated. You can buy any car, any model and have a chance at getting a lemon or a "I've driven it for XX years and XXXXXX miles and never had a single problem" Cars are made of thousands of parts and can be statistically engineered to break wheneve...
by SnapShots
Wed May 21, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 4590

Re: Disability

Carmel by the Sea, sounds wonderful for a 39th anniversary. Congrats! My husband was recently diagnosed with an aggressive prostate cancer, requiring surgery. One out of six men develop prostate cancer. Many of these cancers are low level cancers, never causing any problem and are manged by watching...
by SnapShots
Tue May 20, 2014 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Disability
Replies: 1
Views: 284

Re: Social Security at 62? Let’s Run the Numbers

I don't spend any time thinking about what I could have had if I had waited to take Social Security at a later age. I do know that I have received about 20k in payments since I turned 62 and have enjoyed spending every penny of it...No regrets whatsoever,the plan is working :happy ditto :mrgreen:[/...
by SnapShots
Sun May 18, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 7807

Re: Convince me to choose a Suburban over a Sequoia

When you have a crowd, need a vehicle for snow and mountain terrain and to haul stuff, I don't know what beats a Suburban. A long time ago, we considered Sequoia but stuck with the Suburban. Sequoia was a little too fancy, more expensive, didn't have the cargo space for what husband needed it for. G...
by SnapShots
Sun May 18, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 4590

Re: Convince me to choose a Suburban over a Sequoia

My husband has been a four-wheel-drive Suburban owner for over 30 years. He loves the vehicle because it is a workhorse. It pulls things, hauls stuff and you can pack people in it. I don't recall having a bad Suburban, but that doesn't mean you can't get one. We have a second home in the mountains a...
by SnapShots
Sat May 17, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to choose a Suburban over a Sequoia
Replies: 64
Views: 4590

Re: Going Offroad ["play money" investing]

Learn to play Craps, best odds in the house and go to Vegas. You'll have a whole lot more fun and will come out about the same. A little up. A little down...mostly down. Individual stock picking is like gambling ... it's a whole of fun to win. It's the pits to lose. Whatever you do I wish you Luck!
by SnapShots
Sat May 17, 2014 7:46 pm
 
Forum: Investing - Theory, News & General
Topic: Going Offroad ["play money" investing]
Replies: 73
Views: 4526
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