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Re: Primary Doc Steering to Specialist Within Own Group

Not sure i see anything nefarious in the PCP's behavior. Almost anyone in any business/industry will recommend people that they know and work with - this is not a medical thing. They know certain people and are comfortable with them and know what they can/will do. If you respect your PCP why wouldn'...
by derosa
Thu Oct 30, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Primary Doc Steering to Specialist Within Own Group
Replies: 28
Views: 1716

Re: Pension Early Buyout Offer

Put it in your pocket as opposed to keeping it in the company's pocket. I think you were taking it too literally. An ira, as mentioned, would be one option for a pocket of course. Who knows what could happen to mega company in 20 years? Who knows what could happen to the OP and family in 20 years?
by derosa
Tue Oct 28, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension Early Buyout Offer
Replies: 20
Views: 1870

Re: Pension Early Buyout Offer

Take the cash now. Put it in your pocket. You can do what you want with it. Or you can leave it there and spend the next 25 years wondering if it will be there? And hope nothing goes wrong with the company, etc etc. I am sure it is insured of course. But it is in someone else's pocket. You don't wor...
by derosa
Tue Oct 28, 2014 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension Early Buyout Offer
Replies: 20
Views: 1870

Re: 401k is a mess of managed & index funds, seeking help

The 401k shouldn't be looked at just by itself. I don't think i see anything in your post that mentions other, taxable, money?
by derosa
Thu Oct 23, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k is a mess of managed & index funds, seeking help
Replies: 9
Views: 636

Re: "Individual Retirement Annuity", Dump or what?

When assisting someone please don't assume anything. Get all the paperwork that you have about this old employer and review it with your mother. You may have to talk about it several times and ask about it in different ways to get the whole story. Once you and your mother have a reasonable idea of w...
by derosa
Mon Oct 20, 2014 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Individual Retirement Annuity", Dump or what?
Replies: 9
Views: 597

Re: Question about stocks and taxes

As I understand your example - You own shares of A. A and B get together and create a brand new C. A and B don't exist anymore. In that process you would get a very specific number of shares in C based on how many shares of A you owned. There is no tax liability for you in this situation. IF A bough...
by derosa
Wed Oct 15, 2014 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about stocks and taxes
Replies: 4
Views: 536

Re: Crazy asset-based fees in my 401K!

Since the OP is a doc you might want to take a look at whitecoatinvestor.com

From one doctor to another.
by derosa
Wed Oct 15, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 2493

Re: Max out Roth IRA or pay student loans faster?

Get the match - that is free money. Paying off your 6.8% loans is guaranteed return. Hard to get that return anywhere else today. 10 year treasuries under 2%? Oh yeah - The student loan is never going away until you pay it off. So you might as well pay it off. How about a rich spouse in the future?
by derosa
Wed Oct 15, 2014 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Max out Roth IRA or pay student loans faster?
Replies: 8
Views: 719

Re: Computer codes availability at indep. repair garages?

Seems very high to me for just an oil change as you say. For their own business they want to take five minutes and check other stuff since that might lead to additional business in the future if not then. The environment charge is standard and seems to be about a few bucks so that doesn't seem out o...
by derosa
Mon Oct 13, 2014 6:34 pm
 
Forum: Personal Consumer Issues
Topic: Computer codes availability at indep. repair garages?
Replies: 42
Views: 1824

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

20,000 miles a year is a lot of miles per year. That is a lot of driving and someone doing that kind of driving is probably not babying it. Are they changing the oil? - have them prove it.

For a 2 year old car you would want something with closer to 20,000 miles total.
by derosa
Mon Oct 13, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Help me not thinking about getting a brand new car
Replies: 16
Views: 950

Re: Sale of house-closing tomorrow, buyer is backing out

Every sales person loses sales. The challenge is that you are only selling something maybe a couple times in your lifetime. Salesmen lose sales every week.

The only answer is "Next!"

Shut the door, relist and go on.
by derosa
Mon Oct 13, 2014 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of house-closing tomorrow, buyer is backing out
Replies: 60
Views: 5113

Re: Cleaning Up Leaves

rake them onto a tarp and drag them into the woods behind your house. After a few rains they are half gone.
by derosa
Thu Oct 09, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3104

Re: Invested Windfall and Now Market Is Down

Come back and look at it in 10 or 20 or 30 years.

If you needed the money immediately it might have gone someplace a little more prudent.
by derosa
Thu Oct 09, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invested Windfall and Now Market Is Down
Replies: 34
Views: 5002

Re: Taxes on Over Priced Prize?

[OT comments removed by admin LadyGeek]
by derosa
Tue Oct 07, 2014 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes on Over Priced Prize?
Replies: 10
Views: 1744

Re: Three fund allocation per Vanguard Flagship CFP?

Its not clear about what all was discussed with VG to arrive at their proposal. Sometimes information doesn't make its way from that conversation to this board's posting. IN all fairness it is a very resasonable and responsible proposal. Why didn't they include an SPIA in their proposal - who knows ...
by derosa
Tue Oct 07, 2014 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three fund allocation per Vanguard Flagship CFP?
Replies: 45
Views: 4767

Re: New hardwood floor

Will the new wood floor touch the existing wood floor? If it doesn't then there isn't a large concern about matching old stained faded worn floor with bright shiny new floor. If they touch then you have to think about what that will look like. That could include simply redoing the coating on the exi...
by derosa
Sun Oct 05, 2014 9:41 pm
 
Forum: Personal Consumer Issues
Topic: New hardwood floor
Replies: 13
Views: 1520

Re: I am surely doing something wrong (FireCalc question)

Sounds like part of your research is to see how the state will tax your retirement age earnings.

In our state we are not taxed at all on both our social security payments and one pension. That means state taxes are about nothing.
by derosa
Sat Oct 04, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: I am surely doing something wrong (FireCalc question)
Replies: 45
Views: 4006

Re: I am surely doing something wrong (FireCalc question)

Based on your original numbers firecalc is working fine. You only want $50k out of $1.4M. No problem. That is really not much at all. It sounds like you need to take a look at what some of the other tabs do like -- your portfolio, portfolio changes and investigate. If you don't like these numbers go...
by derosa
Sat Oct 04, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: I am surely doing something wrong (FireCalc question)
Replies: 45
Views: 4006

Re: Invest in Bowflex Max Trainer?

Don't forget to buy the tv to distract you when you are using it.
by derosa
Fri Oct 03, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Invest in Bowflex Max Trainer?
Replies: 25
Views: 1817

Re: Should I include this in my net worth?

It can't be that much by the time you have to pay taxes on it to have much of an impact on your networth.
by derosa
Wed Oct 01, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I include [banked vacation days] in my net worth?
Replies: 40
Views: 2973

Re: Gas Water Heater Upgrade worth the $$$

How much hot water will you use? How long will you live in the house? Hot water out of the tap is hot water - the warmth of the water doesn't depend on the heat source used to make it hot. Some of the comments about the difference between the 2 could be the length of the runs from the heater to the ...
by derosa
Sun Sep 28, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Gas Water Heater Upgrade worth the $$$
Replies: 31
Views: 1858

Re: Paying for wedding, buying first home, and FICO

don't buy the house until you are married. If you think all your worrying about card and wedding expenses is nutty imagine if something happens after you buy the house but aren't married? There is sequence to do things in and generally one should do them in the sequence that has worked for a long ti...
by derosa
Sun Sep 28, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for wedding, buying first home, and FICO
Replies: 5
Views: 640

Re: 'Play Money' - why 5%?

Wanting a terrifically precise reason for the terricially precise amount of exactly 5% for play money makes me think you must rebalance every day to stay at exactly 60/40 stock/bond. Am I close? Do you rebalance every day? Of course not. There is a reasonable amount of information that shows 5% one ...
by derosa
Sun Sep 28, 2014 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play Money' - why 5%?
Replies: 42
Views: 1658

Re: Disappointed in Vanguard customer service

No ones perfect. And i am not going to defend them. The person that fielded the call got someone on the line who could answer the question. So alls well. As to MOH well that is pretty personal and there is no correct answer. Having had a company that did that for years - either you are for it or not...
by derosa
Sat Sep 27, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Disappointed in Vanguard customer service
Replies: 38
Views: 4392

Re: rebalancing at age 55

I can't help you since i have no idea what most of those initials are - I am assuming some or all of them are individual stocks? It sounds like you want to keep what you got and just have people say it looks good. I think on this board: You will find many people don't have any idea what all those in...
by derosa
Mon Sep 22, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: rebalancing at age 55
Replies: 7
Views: 802

Re: Defined Benefit Plan and AA

Just like you don't include SS in your asset allocation, you shouldn't include any pension(s). These are not bonds or equities or real estate - they are an income stream. So subtract them (SS - probably 2 & pension) from your projected monthly budget. That leaves you with a total that has to be ...
by derosa
Mon Sep 22, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Defined Benefit Plan and AA
Replies: 10
Views: 653

Re: Recently retired and need help with asset allocation.

So what to do you own now that makes you think you want to make some dramatic changes. If you don't mind me asking? Sorry posted to soon. Rebalancing doesn't increase your return. It might lower your risk. And some people say it doesn't really do much beyond what you have set for your asset allocati...
by derosa
Sun Sep 21, 2014 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently retired and need help with asset allocation.
Replies: 12
Views: 965

Re: Sale of a home between boyfriend and girlfriend.

As pointed out above there is legal and there is "fair" Legally she has all the responsibility. Its her name on everything. If he moves out tomorrow he can stop paying the 'rest' but the mortgage and insurance and etc. all keep going and she is on the hook. I guess that isn't 'fair' to him...
by derosa
Sun Sep 21, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5747

Re: Trusting our advisor?

Seems to me you have perfectly reasonable portfolio that should help you address what you are going to living with for the 30 or 40 years? It sounds like you don't have anything to really compare with what you have. So take a deep breath and do some reading. Take a few months - hey you have almost h...
by derosa
Sun Sep 21, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Trusting our advisor?
Replies: 25
Views: 2440

Re: Do I need to send in estimated tax????

What is so hard about making estimated quarterly payments? Send a check or do it on line 4 times a year.

If you have a refund from previous year that should take care of the 1st payment - no special payment involved at all.
by derosa
Fri Sep 19, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to send in estimated tax????
Replies: 32
Views: 2082

Re: Hamilton watches, worth the money?

Why do you need a watch - doesn't your phone tell the time?
by derosa
Sun Sep 14, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 13527

Re: Suggestions for a Western States road trip?

You could get many inches of snow any place that you are driving. It is snowing in Cody today. Last year at this time they got 36" of snow. There is a reason they have those gates on the freeways to keep people off the road when it snows, Just be prepared. Hope that little car can do 80 otherwi...
by derosa
Thu Sep 11, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for a Western States road trip?
Replies: 21
Views: 1953

Re: Buffett: Modern investment theory is horse-pucky

Buffett doesn't pick stocks. Remember he buys the company or a huge ownership position in the company. So he is running the stocks, I mean companies, that he buys. That's a huge difference from buying a share of stock or owning something indirectly in a fund isn't it? So if something bad happens to ...
by derosa
Thu Sep 11, 2014 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 10391

Re: Colleague being fleeced by insurance agent / Ponzi Schem

State Farm is not running a Ponzi scheme. Please. That is probably just a term for it seems too good to be true. THere has to be something in it for the agent. And the guesses above about annutities may be close to the mark. If someone knows that what they are doing is good and right - who are you t...
by derosa
Tue Sep 09, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Colleague being fleeced by insurance agent / Ponzi Scheme?
Replies: 54
Views: 5415

Re: If no access to DFA, Small Value worth it?

There will always be something that is just our of reach. Relax. If it wasn't this then it would be something else wouldn't it. Just do what you can and go for it. Something about the enemy of the best plan or something...
by derosa
Tue Sep 09, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: If no access to DFA, Small Value worth it?
Replies: 30
Views: 4038

Re: Need help arrive at monthly expenses after retirement

Today's costs just keep on going. don't they? I haven't noticed any magic decrease.
by derosa
Mon Sep 08, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help arrive at monthly expenses after retirement
Replies: 25
Views: 1658

Re: What is the expected return of this portfolio over 50 yr

how did you factor in that ebola plague in 40 years?
by derosa
Mon Sep 08, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: What is the expected return of this portfolio over 50 yrs
Replies: 21
Views: 1200

Re: So far, so good? Vanguard Total International Bond

Well i guess we need to wait 20 years or so and see what happens?

In the meantime I will take a piece of the international bond fund.
by derosa
Sun Sep 07, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: So far, so good? Vanguard Total International Bond
Replies: 45
Views: 5178

Re: Vanguard Lost $50k

Threatening to no longer do business with vg or a restuarent that screwed something up or a dry cleaner etc etc doesn't help yourself. Think about it from their side. If you say you will never do business with them again - what is their incentive to resolve the problem. You said you were gone already.
by derosa
Sat Sep 06, 2014 7:41 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10824

Re: Help! Need to Calculate Money Owed To Me

I would forget all your calculations about interest. The reason being is that you can't figure it out here. And when he says how did you get that crazy number and you start stumbling all over your shoe laces... well he will say you don't know what you are talking about. I appreaciate that you refer ...
by derosa
Sat Sep 06, 2014 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Help! Need to Calculate Money Owed To Me
Replies: 32
Views: 2411

Re: Are hospitals allowed to do this? [Costs quoted vs. actu

Yes you got a deal. But now the rest of us are paying for your deal. You realize that don't you? The costs that were incurred are still there - it is just that you as the specific consumer aren't paying them. Everyone else is paying for them. As to unexpected things happen in surgery. I went in for ...
by derosa
Fri Aug 29, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 6874

Re: Do you mix inheritance and earned money?

Federal and state revenue departments consider it your money. You don't get any special treatment because you do anything special with it.

If you get a gift card for an occasion - how do you handle that? You don't put it in a drawer and not spend it do you?
by derosa
Fri Aug 29, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Do you mix inheritance and earned money?
Replies: 25
Views: 2303

Re: Husband rear-ended, driver ignoring his insurance

Call your insurance agent. And if you have to call and talk to them 5 times do it. You have nothing to do with the other driver or his insurance. I am wondering if you have even called your own agent at this point? Have you?
by derosa
Tue Aug 26, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5257

Re: Moving to Eastern PA - need advice

1 hour to the airport! For a morning flight. Best wishes my friend.

You are not moving to eastern PA. You are moving to suburban Philly aren't you?

From your post and google search based comments I would bet that you have never been there?
by derosa
Tue Aug 26, 2014 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 1952

Re: New home worth the extra $$?

So you have been looking at houses for about 3 days? You sound like you just saw a new car on a car dealers lot.

You haven't even touched the market my friend. You need to look for a few months - maybe every weekend.
by derosa
Tue Aug 26, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: New home worth the extra $$?
Replies: 17
Views: 1785

Re: How I beat Indexing... in 1 hour

So what is it for the next hour?
by derosa
Tue Aug 26, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 71
Views: 11881

Re: 87 Year Old Grandmother Has $600,000 In the Bank

Just went back and rescanned the posts and I am still not sure I have seen anything about what grandma wants? Did I miss that? What I do see are the heirs (daughter / uncle / granddaughter / fiance / is there anyone else not mentioned???) trying to figure out what theymight do with the money now tha...
by derosa
Sun Aug 24, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: 87 Year Old Grandmother Has $600,000 In the Bank
Replies: 42
Views: 5675

Re: Backyard Shed

What sort of building code / zoning / hoa considerations do you have? Most sheds in the backyard look like crap after a few years. And when you look inside all there is is crap. So if you are thinking of selling in the future consider what that might do to your curb appeal, etc. Not everyone wants w...
by derosa
Sun Aug 24, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Backyard Shed
Replies: 21
Views: 1580

Re: Stopping Junk mail from USPS

Some of these proposed solutions might partially work but they are complicated, time consuming and costly. But are not perfect. You are going to get junk mail the rest of your life -No matter what you do. With these schemes to contact people, etc all you have done is create a job for yourself that w...
by derosa
Sat Aug 23, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Stopping Junk mail from USPS
Replies: 26
Views: 1989

Re: Help please with revised plan for living in retirement

I would suggest you take the time to put your proposal through some testing to see what happens, and how much money you might have. 1. Actual Historical Records. Firecalc is a tool that only uses the actual financial historical record. So it does not predict the future. It shows you how your portfol...
by derosa
Sat Aug 23, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help please with revised plan for living in retirement
Replies: 15
Views: 2870
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