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Planning ahead

I'd like to retire from full time work in about a year and a half from now, at age 67. I plan to postpone SS until age 70. Two questions: 1- In the event that I'm be able to stay on with my employer on some kind of part-time basis, would it be better to get W-2 income or stay on as a "consultan...
by marathonwmn
Thu Jul 03, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Planning ahead
Replies: 4
Views: 310

Re: .csv file for Savings Bond Wizard

But why are you entering bonds? I thought you already had them in excel? My experiment was just so you could see which items went in each column in what format. If you already had the data, just rearrange the columns to match the format they are looking for. If the date format they use it different...
by marathonwmn
Fri Apr 25, 2014 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: .csv file for Savings Bond Wizard
Replies: 7
Views: 797

Re: Divorcee about to reach FRA seeks SS information

I applied online at 1 pm and took my paperwork (birth certificates* and passport and the marriage certificate) to my local office that afternoon. They copied everything, so my documents were out of my sight for less than three minutes. I was home by 3 pm (times verified from old emails to my now ex...
by marathonwmn
Fri Apr 25, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 16
Views: 1741

Re: Divorcee about to reach FRA seeks SS information

Like you I am divorced. Back in February I filed my restricted application online. Someone from Social Security then contacted me and asked to mail my marriage certificate and divorce papers. They were returned 10 days later. Allow approx. 4-6 weeks for the application until you hear when your firs...
by marathonwmn
Fri Apr 25, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 16
Views: 1741

Re: .csv file for Savings Bond Wizard

Don't have bonds, don't have windows, but I would try this. 1) Install 2) Enter some bonds 3) Export to csv 4a) Open csv file in text editor (Look at it) 4b) Open csv file in excel (Look at it) 5a) Change values in text editor 5b.1) Change values in excel 5b.2) Export excel file as csv 6a) import c...
by marathonwmn
Fri Apr 25, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: .csv file for Savings Bond Wizard
Replies: 7
Views: 797

.csv file for Savings Bond Wizard

I have an Excel spreadsheet in which I've listed I Bonds and E Bonds with varying purchase dates and denominations. It's my understanding that an Excel file saved as .csv can be imported into the Savings Bond Wizard. My assumption is that I need to have 3 columns: Type of Bond, Denomination and Purc...
by marathonwmn
Thu Apr 24, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: .csv file for Savings Bond Wizard
Replies: 7
Views: 797

Re: Divorcee about to reach FRA seeks SS information

But for you, the key is that you can apply to be his ex-wife without applying for your own old-age benefit once you reach full retirement age. Since you won't apply for your own benefit, you won't be entitled to it, so you can collect the $900 as the ex-wife and delay your application for your own ...
by marathonwmn
Sun Apr 06, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 16
Views: 1741

Re: Divorcee about to reach FRA seeks SS information

P.S. I didn't have an ex, but my wife was deceased. I just called up and asked what her Primary Insurance Amount (PIA) was. I don't know why they trusted me, but they did. You want to ask for your ex's PIA. Don't ask about benefits, stick to the PIA. Your benefit as an ex-wife at your FRA is half o...
by marathonwmn
Sun Apr 06, 2014 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 16
Views: 1741

Divorcee about to reach FRA seeks SS information

I will reach FRA in December 2014. My ex husband reached FRA in February 2014. I was married for 17 years and have been divorced for 20. My ex husband and I don’t speak. I have no idea whether he has started taking SS benefits, nor what his benefit is (or might be). I understand that as a divorcee I...
by marathonwmn
Thu Apr 03, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 16
Views: 1741

Background checks for prospective tenants

I own a duplex, live on one side and lease the other. My tenant of 15 years passed away and after some improvements and renovations the place is ready to be leased. Does anyone have experience with tenant background checks? Any suggestions/advise on the leasing process will be appreciated. Thank you...
by marathonwmn
Tue Jan 21, 2014 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Background checks for prospective tenants
Replies: 2
Views: 262

Re: Loan to daughter's business

Thanks for the responses. Borrower will pay interest of less than $600.00 per annum on a non secured loan. Do any forms need to be sent? From borrower to lender or vice-versa?
by marathonwmn
Mon Dec 30, 2013 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Loan to daughter's business
Replies: 5
Views: 562

Loan to daughter's business

I am about to make a small loan to my daughter's business. At the end of 2014 do I need to issue the company a form reporting interest received or does the business have to send me such a form? In either case, which form is it?

Thanks!
by marathonwmn
Mon Dec 30, 2013 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Loan to daughter's business
Replies: 5
Views: 562

Rental property: the Mrs. Murphy Exemption

I own a duplex in North Carolina, live on one side and rent the other. My tenant of 15 years passed away and now I need to re-rent the place. My preference is to have only ONE occupant. The website shown below states: ...Fair Housing Act (FHA) contains a handful of exceptions, the most famous of whi...
by marathonwmn
Fri Nov 15, 2013 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property: the Mrs. Murphy Exemption
Replies: 7
Views: 1343

Re: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan

If I sign up for a 2013 plan, what happens come January 1? If I sign up for a 2014 plan, what coverage do I have for the month of December? Part D plans are calendar year plans. 2014 plans start coverage January 1 2014. No coverage for prior dates. 2013 plans end coverage December 31 2014. But in t...
by marathonwmn
Fri Nov 01, 2013 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan
Replies: 34
Views: 5202

Re: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan

I turn 65 in December of this year and am learning to navigate these new waters. My effective Medicare date is 12-1-2013. I'm looking at plans on medicare.gov and that's very helpful but I'm confused as to whether I should sign up for a 2013 plan or a 2014 plan. My results are different for each of ...
by marathonwmn
Fri Nov 01, 2013 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan
Replies: 34
Views: 5202

Decision time on Medicare Part D

Has anyone on this forum had experience with either of these two Plans?

Humana Walmart-Preferred Rx Plan (PDP) S5884-133

AARP MedicareRx Saver Plus (PDP) S5921-353

I'm about to sign up and would love some input. :confused
by marathonwmn
Tue Oct 29, 2013 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Decision time on Medicare Part D
Replies: 15
Views: 1111

Fencing

Has anyone had any experience with privacy fencing either wood or vinyl? I need to replace a 30+ year old cedar shadowbox fence and cedar is more expensive than I can afford.

Thanks for any insights.
by marathonwmn
Mon Sep 30, 2013 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Fencing
Replies: 3
Views: 469

Re: Dog has difficulty [with medical condition]

My dog developed a fear of stairs after I changed from carpet to hardwood. I bought 2 inexpensive rubber backed runners at Costco and trimmed them to tread size. This worked great so I think your dog will benefit from the runners suggested by some of the other folk. Good luck! What we won't do for o...
by marathonwmn
Mon Sep 30, 2013 1:56 pm
 
Forum: Personal Consumer Issues
Topic: Dog has difficulty [with medical condition]
Replies: 35
Views: 1978

Bond funds if interest rates rise

I’m trying to understand potential losses in bond funds if interest rates were to rise. Today I found what I believe to be a very understandable explanation: http://www.schwab.com/public/schwab/resource_center/expert_insight/investing_strategies/bonds/should_you_worry_about_bond_funds_if_interest_ra...
by marathonwmn
Thu Jun 20, 2013 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Bond funds if interest rates rise
Replies: 5
Views: 1120

Re: New "Flagship Select" level at Vanguard

I'm not even close to reaching "Flagship Select" level, however the post made me wonder what kind of service one can get from a complimentary consultation with a CFP at Vanguard. See https://investor.vanguard.com/what-we-offer/investing-help/help-me-when-i-need-it Or if this other service ...
by marathonwmn
Fri May 31, 2013 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: New "Flagship Select" level at Vanguard
Replies: 12
Views: 2770

Re: Categorizing EE and I bonds in "Balances and Holdings"

On the Vanguard site I list the TSP "G" fund, I-Bonds, CD's and even high yield MM as high quality bonds, pick an appropriate term and update the values on a monthly basis. I list our checking account as short term reserves. I do this to distinguish between "fixed income" and eq...
by marathonwmn
Sun May 26, 2013 1:30 am
 
Forum: Investing - Theory, News & General
Topic: Categorizing EE and I bonds in "Balances and Holdings"
Replies: 13
Views: 930

Re: Categorizing EE and I bonds in "Balances and Holdings"

On your Outside Investments edit page, there are 'edit' links on the right: http://screencast.com/t/qEi47MpAw7x Click those and you'll see the dropdown menus to choose quality/maturity: http://screencast.com/t/7HS1ohTMBXn I set my I Bonds to high quality, short term ... not sure what to think of EE...
by marathonwmn
Sun May 26, 2013 1:29 am
 
Forum: Investing - Theory, News & General
Topic: Categorizing EE and I bonds in "Balances and Holdings"
Replies: 13
Views: 930

Categorizing EE and I bonds in "Balances and Holdings"

Does anyone know a symbol for EE and I bonds that one can enter in the Vanguard list of "Balances and Holdings" so that they will be categorized properly. Right now they show as "uncategorized" in the Bond Analysis section of "Portfolio Watch" :confused

Thanks!
by marathonwmn
Fri May 24, 2013 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Categorizing EE and I bonds in "Balances and Holdings"
Replies: 13
Views: 930

Re: How am I doing?

Hello and welcome to the forum! You may know your symbols by heart - but we don't and we don't have the time to look each of them up. Can you please list by name the investments with their expense ratios and percentage of portfolio held in each? Nice ASICS, btw. Hello Grt2bOutdoors. I replied to yo...
by marathonwmn
Thu May 23, 2013 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 8
Views: 1022

Re: How am I doing?

Hello, My wife is also an avid marathon runner. Not to be a wise-guy, but it would help to know roughly what your portfolio size is before putting forward an opinion on how you're doing. I know your total assets are $1.1M, but is your house $1M? Is there a reason you have so much cash? Hello Tomato...
by marathonwmn
Thu May 23, 2013 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 8
Views: 1022

Re: HSA

Thank you Bill M. Very helpful and encouraging information in your reply; I'm glad my "gut" told me to pay current expenses out of pocket and let the HSA ride. Medicare doesn't count as a HDPD, so once you are covered by Medicare you can't contribute anything further to the HSA. But you ca...
by marathonwmn
Thu May 23, 2013 8:34 am
 
Forum: Investing - Theory, News & General
Topic: HSA
Replies: 16
Views: 1522

Re: How am I doing?

Sorry I left out the fund names in the original post! The reason for so much cash is that it "feels" safe. I "should" put it into something which will yield more but don't know what will yield more with the same comfort level. House is worth @ 300,000 ____Original post follows be...
by marathonwmn
Wed May 22, 2013 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 8
Views: 1022

How am I doing?

I'd like to retire in 2 years 8-) How do y'all think I'm doing? I should rebalance; what stock fund should I sell; which bond fund should I buy? I plan on buying 10K in I-bonds using cash from the Capital One account. Total assets including house @ 1.1M Emergency funds: Three to six months of expens...
by marathonwmn
Wed May 22, 2013 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 8
Views: 1022

Re: HSA

My HSA is at OptumHealthBank and I believe that I don't pay any fees because of the amount in the account.

One more question - MUST I start taking annual distributions at the same age as from a regular IRA?
by marathonwmn
Wed May 22, 2013 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: HSA
Replies: 16
Views: 1522

HSA

I have an HSA but don't use it to pay may medical expenses because those monies are earning tax free interest and dividends. The medical expenses are paid out of other sources. My question is: what happens to the HSA when I turn 65 and start drawing Social Security. Can those funds still stay in the...
by marathonwmn
Tue May 22, 2012 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: HSA
Replies: 16
Views: 1522

Re: Kitchen remodeling

Thank you to everyone who replied ... a lot of food for thought!
by marathonwmn
Tue Apr 24, 2012 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen remodeling
Replies: 17
Views: 1895

Kitchen remodeling

I live in a house built in 1973. All kitchen appliances are original so I want to get new appliances and update the look of the kitchen. Is this something I can/should tackle without a general contractor? In other words, can I do all the contracting myself; hiring the cabinet maker, plumber, floor i...
by marathonwmn
Mon Apr 23, 2012 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen remodeling
Replies: 17
Views: 1895

Re: Can you express your investing philosophy as a Haiku?

Live frugally all your days
Of Spring and Summer.
Come Fall and Winter, feast!
:sharebeer
by marathonwmn
Fri Feb 24, 2012 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Can you express your investing philosophy as a Haiku?
Replies: 41
Views: 1835

Can someone post about what's happening in the Boston area?
by marathonwmn
Sat Aug 27, 2011 11:57 pm
 
Forum: Personal Consumer Issues
Topic: Hurricane thread
Replies: 120
Views: 11212

Not a manly man but I just signed up for a concealed carry course. I will be looking for a revolver. The guy at the gun store suggested a Ruger LCR .357. He sells it for $545.00 which is more than I planned on spending. Does anyone have experience with buying guns online? Can you recommend a reputab...
by marathonwmn
Sat Aug 27, 2011 11:38 pm
 
Forum: Personal Consumer Issues
Topic: Manly Men Question [which concealed carry firearm]
Replies: 98
Views: 11384

jeffyscott wrote: I also think that the drama of big numbers is why the S&P 500 has never supplanted the Dow as the barometer of the market in the media and among the general public. "Dow crashes, down 400 points" is just so much more exciting than "S&P 500 declined by 40 poi...
by marathonwmn
Fri Aug 12, 2011 11:30 am
 
Forum: Investing - Theory, News & General
Topic: Are 200-day market timers ready?
Replies: 185
Views: 40920

I did vote (1 quarter to less than 1 year of work), although I didn't sell anything so there was only a loss on paper. Took advantage and bought a small amount of SWTSX (Schwab Total Stock Market Index).

Grateful for the bonds portion of my portfolio.
by marathonwmn
Fri Aug 05, 2011 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: August 4 2011: The last two weeks have cost me...
Replies: 42
Views: 4385

Question about bond fund duration

From the Wiki: While you should always keep the duration less than or equal to your investment horizon , unless you have a specific funding need to be met at a specific date (in which case a Zero-coupon bond is the risk-free solution), you should choose between short-term and intermediate-term fund...
by marathonwmn
Mon Jul 25, 2011 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: Question about bond fund duration
Replies: 2
Views: 318

fredflinstone wrote 2. People have been warning about environmental resource ceilings for a long time. These people have always been proven wrong in the past. See, e.g.., http://en.wikipedia.org/wiki/S....ich_wager. Maybe they will be proven right someday, but I tend to doubt it. (At least not in m...
by marathonwmn
Wed Jul 20, 2011 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why will the stock market go up in the future?
Replies: 60
Views: 6538

Thanks to Beagler for the post. Not everyone realizes the inequalities faced by gay couples.
by marathonwmn
Mon Jul 04, 2011 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 year old gay couple, way behind, portfolio help
Replies: 75
Views: 11045

Figured it out! :idea: :D • Log on >> Research Funds & Stocks >> Stocks, Bonds & CDs >> Alert Messaging Closing prices » Receive a daily summary of closing prices for securities that you choose. Summaries include the day's net and percentage change, and historical price performance. View/Ch...
by marathonwmn
Mon May 16, 2011 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: Frustrated [vanguard.com emails]
Replies: 5
Views: 1131

Frustrated

Sorry - I should have been more specific:

The Vanguard site, logged onto my account. Now I'm really :oops:
by marathonwmn
Mon May 16, 2011 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: Frustrated [vanguard.com emails]
Replies: 5
Views: 1131

Frustrated [vanguard.com emails]

I've looked everywhere on the site for the place to edit the daily email I receive with fund performance.

Would someone please tell me where it is?

I know it's probably in an obvious place but I can't find it! :oops:

Thanks!
by marathonwmn
Mon May 16, 2011 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Frustrated [vanguard.com emails]
Replies: 5
Views: 1131

Will you take a look at my AA?

I've asked for help in the past and have received great advise. My situation has changed from my last request for help. My mother passed away last year and left my brother and me cash and EE bonds. She was always very conservative in her investing (all CDs); she'd rather sleep at night than take the...
by marathonwmn
Tue May 10, 2011 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Will you take a look at my AA?
Replies: 1
Views: 464

How to allocate inheritance

I've been here before asking for help and have received some excellent advice. Hopefully your patience is still intact. My mother passed away last year leaving my brother and me Cash and EE bonds. She was always very conservative in her approach to savings and investing, she'd rather sleep well than...
by marathonwmn
Mon May 09, 2011 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to allocate inheritance
Replies: 2
Views: 628

Thanks to stoub for posing the question and to nisiprius for the very clear, understandable answer. I'm now feeling a lot better about my bond allocation!
by marathonwmn
Fri Feb 04, 2011 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: Bond asset allocation? My eyes glaze over on bonds
Replies: 14
Views: 2439

I'm sold on MagicJack, in spite of the occasional inconvenience of calls not ringing through and its sometimes poor quality connection. I canceled my landline and now rely on MJ and my cell phone. Can't beat the low cost and the ability to take it overseas and call home at no cost (I've taken it to ...
by marathonwmn
Mon Jan 11, 2010 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Majic jack phone service
Replies: 5
Views: 1191

Best place for Bonds — SEP IRA or ROTH

HAPPY 2010 TO ALL BOGLEHEADS! I am getting ready to make my 2010 ROTH IRA contribution. As part of rebalancing this 6K should go into bonds. Right now I don't have a bond holding in my Roth. What would be best: 1— Add the Total Bond Fund to my ROTH and put the 6K there — — — or — — — 2— Sell 6K Tot...
by marathonwmn
Mon Jan 11, 2010 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best place for Bonds — SEP IRA or ROTH
Replies: 2
Views: 761

VIPSX: Market time or stay-the-course ?

I figure the full-time experienced manager and his associates of our TIPS fund (VIPSX) knows more than I do, so I let him do any shifting he feels necessary. Thank you, Taylor, for your observation. I own VIPSX and was disturbed that I didn't "get" what the folk were talking about in this...
by marathonwmn
Wed Nov 11, 2009 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS Shifting: ST TIPS vs. ST Inv Grade vs. ST Treasury
Replies: 30
Views: 5340
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