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Re: Financial plan for pensioned in-laws

I'll help to answer question #1. The answer is that earned income is from doing work, not earning a pension. Therefore they don't qualify unless someone picks up a part time job somewhere.
by mbres60
Sun Apr 13, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial plan for pensioned in-laws
Replies: 19
Views: 1187

Re: Death of co-worker

Sorry for your loss. It is all a balancing act as we don't know what will happen. If we just lived for today we could be broke for our tomorrows.
by mbres60
Sun Mar 30, 2014 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9226

Re: Opinion on pension options

The 3 fund portfolio is fine for this purpose, at either your 50/50 allocation or even a bit lower on the stocks, if necessary. When you say you "mostly" do the 3 fund portfolio, however, it's important to know how it might vary. It's good that you are in low expense funds. Other alternat...
by mbres60
Thu Mar 20, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on pension options
Replies: 7
Views: 557

Re: Opinion on pension options

Anybody else have any thoughts? What would you invest the $20,000 in so you could have a monthly payout of approx $117 that will keep pace with inflation. Keep in mind it would be in a tIRA. Also, would setting this tIRA have an effect when I take out my after tax contributions from my 401k in about...
by mbres60
Thu Mar 20, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on pension options
Replies: 7
Views: 557

Re: Opinion on pension options

Pension will almost certainly get you a better rate than a lump sum buying an annuity. People who buy annuities live longer than the average, so they get worse rates. Vt, you know I have to play devil's advocate. Yes, there is an adverse selection premium, and let's remember there is gender bias, a...
by mbres60
Wed Mar 19, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on pension options
Replies: 7
Views: 557

Re: Opinion on pension options

Thanks Valuethinker. It is so difficult to choose options when you can't really tell which is best. I always hate to spend extra money when I don't have to so the guarantee doesn't look so good, however, if I should pass I know my dh would be thinking that I should have chosen the guarantee. It is o...
by mbres60
Wed Mar 19, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on pension options
Replies: 7
Views: 557

Opinion on pension options

I will be retiring soon and need to make my pension decisions. My spouse is a retired federal employee so most of our income is from that pension (CSRS). Mine is a small pension that is NOT cola'd. He does not need my pension to live on if I predecease him. I paid nothing into my pension as it is al...
by mbres60
Wed Mar 19, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on pension options
Replies: 7
Views: 557

Re: Costco travel for cruise purchase?

No matter which TA you go with check out their policies about what they will charge you to get the price drop if the cruise line reduces the cost of the cruise. (they won't automatically reduce your price but if you bring it to their attention they will reduce your price if it is before final paymen...
by mbres60
Tue Mar 11, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: Costco travel for cruise purchase?
Replies: 11
Views: 1610

Re: Costco vs BJs vs Sams Club

Costco by a mile. Belonged to BJ's for a while and now I have seen the light. In particular, the Kirkland branded stuff is very good. Examples are their paper towels, laundry detergent, tomato sauce, extra virgin olive oil, and tuna. There is a Forbes article on the tuna that will tell you somethin...
by mbres60
Mon Mar 10, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 4002

Re: Costco vs BJs vs Sams Club

We belong to both. I suggest you go to them and look around. Bj's you can just walk in but Costco you would have to go to member services desk as they make you show your membership card to walk in the door. Bj's accepts manufacturer's coupons whereas Costco does not. As a matter of fact if you shoul...
by mbres60
Sun Mar 09, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 4002

Re: Costco travel for cruise purchase?

We used Costco Travel for two cruises.. both on Princess. The first one we got a nice discount. The second one they said they couldn't discount anymore but we got an onboard credit. That credit was not as big as the discount we got on the first cruise. They have a good deal on travel insurance and y...
by mbres60
Sat Mar 08, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: Costco travel for cruise purchase?
Replies: 11
Views: 1610

Re: Cross Country trip this summer. Any advise?

My dh and I are planning a cross country driving trip this July. We will be using our car. Any tips and or advise from someone who has done this? Thanks for any and all tips. My wife and I have done cross country trips several times. You should enjoy it. Plan your trip and do research to determine ...
by mbres60
Thu Mar 06, 2014 9:22 am
 
Forum: Personal Consumer Issues
Topic: Cross Country trip this summer. Any advise?
Replies: 31
Views: 1207

Re: Water heater - gas or electric?

As for draining the water heater…. would it work if it were turned it off and we just turned on our faucets to drain in all our sinks? No. You'd need to run a garden hose from the drain valve on the bottom of the WH to the closest basement floor drain. - Turn off power to the WH - Turn off the wate...
by mbres60
Wed Mar 05, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 2741

Re: Water heater - gas or electric?

Thanks all. We will have to get an electric water heater. I would not pay all the extra money if I couldn't use it when the power went out. We have no chimney. Years ago I remember we once paid a plumber to replace an anode. The water heater just wasn't heating much and apparently that was the probl...
by mbres60
Wed Mar 05, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 2741

Re: Cross Country trip this summer. Any advise?

Because we have not yet purchased the IPad yet I wasn't thinking in terms of apps. That is the mindset of someone without a smartphone. It is a whole different world I guess. A lifetime ago we lived for a while in California so we have taken the drive up the coast from LA to San Francisco. Beautiful...
by mbres60
Wed Mar 05, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Cross Country trip this summer. Any advise?
Replies: 31
Views: 1207

Re: Cross Country trip this summer. Any advise?

Good ideas. Thanks. We have a gps that is several years old maybe as much as 5 yrs old. Would we really need to buy a new one? We do have AAA so will have paper maps. I'll also have an IPad with cell service although don't know if that will be good in remote areas. It will be hard to make reservatio...
by mbres60
Wed Mar 05, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Cross Country trip this summer. Any advise?
Replies: 31
Views: 1207

Re: Cross Country trip this summer. Any advise?

Thanks all. We are planning to take about a month. We'll be starting on the east coast in the mid atlantic area. We do have the National Parks pass. One good thing about being older :D . Our plan is to travel to Memphis, Branson, MO, Dodge city, KS (my dh loves the westerns) and then down towards AZ...
by mbres60
Wed Mar 05, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Cross Country trip this summer. Any advise?
Replies: 31
Views: 1207

Cross Country trip this summer. Any advise?

My dh and I are planning a cross country driving trip this July. We will be using our car. Any tips and or advise from someone who has done this?

Thanks for any and all tips.
by mbres60
Wed Mar 05, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Cross Country trip this summer. Any advise?
Replies: 31
Views: 1207

Re: Replying in a thread you started

I think it all depends on the question the Op asked. I know as a reader it is irritating when a lot of people spend time answering and the Op either never responds back or does only one time and therefore never answers any of the other questions people are asking them so they can help. Why bother po...
by mbres60
Fri Feb 28, 2014 9:02 am
 
Forum: Forum Issues and Administration
Topic: Replying in a thread you started
Replies: 13
Views: 1139

Re: Water heater - gas or electric?

I faced the same decision point as you. My house has gas furnace but everything else was electric including hot water. I looked at gas tankless and eliminated it because of cost (payback was north of 15 years) and there were reliability issues. I never considered electric tankless because they don'...
by mbres60
Thu Feb 27, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 2741

Re: Water heater - gas or electric?

Thank you all. I doubt we will go with tankless as it is too expensive and we will never recoup our costs. Don't know how long we will live here but am not a "spring chicken". Luke Duke- the pan we have under our water heater is the largest they sold. I assume we get bids from plumbers to ...
by mbres60
Thu Feb 27, 2014 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 2741

Re: Water heater - gas or electric?

Thanks. We do have a water sensor that we bought at Home Depot. We also have the water heater in a pan but because the heater is so big we only have about an inch of space between the heater and the edge of the pan. Not much room for a lot of water. However if water does drip into the pan the sensor...
by mbres60
Thu Feb 27, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 2741

Water heater - gas or electric?

We currently have a gas furnace but everything else is electric. Our water heater is about 12 years old. It holds 80 gallons. Originally 30 years ago when the house was built it came with a 55 gallon heater but when that went the next size up we could get was 80. My dh, when he shaves, takes a long ...
by mbres60
Thu Feb 27, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 2741

Re: Should I become sole provider for fiance?

No. Not until you are married.
by mbres60
Sat Feb 15, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 5996

Re: Postage paid envelops

I'm still old-fashioned, and snail mail a check to Vanguard to add investment.. Recently I asked for a few new postage paid envelopes. Today I got paid Fedex Extremely Urgent envelopes. Is this the perk for being a flagship account? :D The only way to find out is call and ask. If they are willing t...
by mbres60
Sat Feb 15, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: Postage paid envelopes
Replies: 49
Views: 2504

Re: Billing for annual physicals

I am never asked to fill out paperwork. That sounds like a new patient. At my annual physical the doctor always asks if I have any issues. I don't remember if I have ever said I did. Sounds like you either need a new doctor or tell them of your dissatisfaction and that if they do this again you WILL...
by mbres60
Wed Feb 12, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3631

Re: Treatment of After-Tax 401k Contributions

This link to a Fairmark article explains the issues related to after tax sub accounts and their distributions: http://fairmark.com/retirement/roth-accounts/roth-conversions/isolating-basis-for-roth-conversion/separate-subaccount-treatment/ Comments related to mbres60 post: 1) While VG has indicated...
by mbres60
Thu Jan 30, 2014 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treatment of After-Tax 401k Contributions
Replies: 31
Views: 1232

Re: Treatment of After-Tax 401k Contributions

perhaps this is a dumb question, but is there a difference between "after tax 401k contributions" and "Roth 401k contributions". The first two years at my current job, I made Roth 401k contributions. I have subsequently switched to tax-deferred contributions. My understanding wa...
by mbres60
Thu Jan 30, 2014 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treatment of After-Tax 401k Contributions
Replies: 31
Views: 1232

Re: Treatment of After-Tax 401k Contributions

I too have after tax contributions. I am still working but will be retiring in May. I called Vanguard and was told it made no difference if I roll over my aft tax money now or later after retirement. Anything I pull out of after tax that I contributed will be put in a Roth and the earnings that must...
by mbres60
Thu Jan 30, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treatment of After-Tax 401k Contributions
Replies: 31
Views: 1232

Re: Multiple Offers on House: Best and Final Bid Needed Toni

Can someone help me - I never understood the reasoning in submitting a bid to buy where the seller pays the closing costs. I've been a seller and If I got an offer like that I'd be inclined to tell them to stick it all things being equal. Just give me a clean offer with no monkeying around. I ain't...
by mbres60
Thu Jan 30, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Multiple Offers on House: Best and Final Bid Needed Tonight!
Replies: 38
Views: 3165

Re: Multiple Offers on House: Best and Final Bid Needed Toni

Then you did the right thing. Another house will come along. Good luck with the next one. :happy
by mbres60
Wed Jan 29, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Multiple Offers on House: Best and Final Bid Needed Tonight!
Replies: 38
Views: 3165

Re: Multiple Offers on House: Best and Final Bid Needed Toni

What we did was (I forget the exact wording; we worked with a Realtor who helped with the specifics) to offer something like "$X,xxx more than the next highest offer, but not to exceed $YYY,yyy". Just don't overbid to some extent that later you might regret it. RM I didn't that maneuver w...
by mbres60
Tue Jan 28, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Multiple Offers on House: Best and Final Bid Needed Tonight!
Replies: 38
Views: 3165

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor! Enjoy your week end as much as we all enjoy you helping us with our finances :happy :happy :happy
by mbres60
Wed Jan 22, 2014 5:34 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12476

Re: Holy Wah

Reading, reading, reading is good! I would definitely roll it over to Vanguard. They are low cost. I would recommend the KISS principle (keep it simple, stupid). Figure out what your asset allocation should be and then either pick a Target date retirement fund or do the 3 fund portfolio (total stock...
by mbres60
Wed Jan 08, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Holy Wah
Replies: 4
Views: 712

Re: How much should a good dentist make yearly?

Sounds like she is an underachiever and probably not a risk taker. With all the dental salaries mentioned it sounds like she should be making more but it also sounds like she is not interested in taking the risk to look elsewhere for a job that pays more and also gives her what she wants in hours.
by mbres60
Wed Jan 08, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: How much should a good dentist make yearly?
Replies: 78
Views: 15237

Re: Contributed too much to my Roth IRA - need clarification

I thought the IRA contributions went hand-in-hand with the April taxes. Thanks for the clarification, I would've dug myself into a deeper hole if I didn't know. What you are thinking is the deadline of when you can contribute. Any earnings earned from Jan 1, 2013 until Dec 31, 2013 can be used to c...
by mbres60
Sun Jan 05, 2014 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contributed too much to my Roth IRA - need clarification
Replies: 15
Views: 1364

Re: The Funniest Movie Ever

My Cousin Vinnie

Although seeing someone above say Airplane reminded me of that movie which I haven't seen in ages. It was hysterical!
by mbres60
Thu Jan 02, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 201
Views: 10514

Re: Dollar cost average or all in at once?

I thought I posted info here earlier today but apparently it didn't go through. Thanks everyone for your responses. I am quite comfortable with my AA which is 50/50. I am just not used to plunking down $34,000 or so all at once. Good news my other fund had a wonderful year and gave me a lot of capit...
by mbres60
Fri Dec 27, 2013 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dollar cost average or all in at once?
Replies: 19
Views: 854

Dollar cost average or all in at once?

Fortunately or unfortunately I got a large distribution of capital gains and dividends from the only fund I own outside of Vanguard (taxable or I would have sold long ago). Because it was large and I did not want to buy more shares (haven't bought more in this fund other than distributions in about ...
by mbres60
Thu Dec 26, 2013 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dollar cost average or all in at once?
Replies: 19
Views: 854

Re: computer security

He is very concerned about identity theft and shreds things I wouldn't bother with. The crooks are always one step ahead. I know of a community where the scam is for women to roll baby carriages down the street, walking closely behind the mail carrier truck. The women then proceed to take newly del...
by mbres60
Wed Dec 18, 2013 6:44 pm
 
Forum: Personal Consumer Issues
Topic: computer security
Replies: 22
Views: 2076

Re: computer security

Thanks all. Before my dh retired the computer people at work told him more than once that he should clear the cookies before putting in a credit card. He has been retired for 3 years. I have never heard anyone say that this should be done nor have I read it anywhere. I told him if he was so concerne...
by mbres60
Wed Dec 18, 2013 6:07 pm
 
Forum: Personal Consumer Issues
Topic: computer security
Replies: 22
Views: 2076

computer security

I have a question about computer security. Every time my dh wants to send personal info (such as credit card # to donate to a charity) he feels he has to first clear the cookies. Is this really necessary? It wipes out some of my things that I then have to relog into. I don't mind occasionally cleari...
by mbres60
Tue Dec 17, 2013 6:34 pm
 
Forum: Personal Consumer Issues
Topic: computer security
Replies: 22
Views: 2076

Re: A screwy Mac

I bought mine in March of 2012 and have Mac OS X Lion 10.7.5. You might have the same. Mine doesn't say "Lion," but is otherwise the same. Does yours say something different or does it just leave the word Lion out? Just before Lion was Snow Leopard (I think). I don't remember what came ne...
by mbres60
Mon Dec 02, 2013 8:35 am
 
Forum: Personal Consumer Issues
Topic: A screwy Mac
Replies: 24
Views: 1373

Re: A screwy Mac

In the upper left hand corner you will see a little apple right next to the word Safari (after you have opened Safari). Click on it. In the drop down click on about this Mac. It will tell you about your computer. There is a little rectangle that says more information. Click on that too. You will see...
by mbres60
Sun Dec 01, 2013 6:17 pm
 
Forum: Personal Consumer Issues
Topic: A screwy Mac
Replies: 24
Views: 1373

Re: Eyeglass Lenses @ Costco

My dh bought two pairs of glasses from Costco a few years ago and was very pleased. He recently had his eyes examined and needs new glasses again. He stopped in Costco and must have asked the sales rep about insurance. They are not part of our insurance plan but the rep suggested my dh call our insu...
by mbres60
Wed Nov 27, 2013 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Eyeglass Lenses @ Costco
Replies: 29
Views: 3042

Re: Retired - need help with ROTH portfolio

I'm not one of the experts on this forum however I can see that every fund has high expenses. That is money that you are giving away. I would suggest reading the wiki on this site which is excellent for a new diyer. With a portfolio in the low 6 figures you should be able to do this yourself once yo...
by mbres60
Sat Nov 23, 2013 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired - need help with ROTH portfolio
Replies: 4
Views: 530

Re: so, my county has ONE Medicare Advantage plan

[quote="caroljm36" What I am asking is, if you KNEW you were going to get stage some serious, life-changing malady in 2014, which plan would you want to be on?[/quote] Based on your actual question I would want to be on Plan F because I could go to ANY doctor even if it is not in your area...
by mbres60
Sat Nov 16, 2013 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: so, my county has ONE Medicare Advantage plan
Replies: 15
Views: 1011

Re: smooth top electric range

sscritic wrote:
mbres60 wrote:Rodc- No. Mine is a Kenmore.

But who built your Kenmore? GE?


When I called Sears customer service they said Electrolux.
by mbres60
Sat Nov 16, 2013 12:48 pm
 
Forum: Personal Consumer Issues
Topic: smooth top electric range
Replies: 43
Views: 2251

Re: smooth top electric range

Rodc- No. Mine is a Kenmore. I just did another experiment. I just cooked two small batches of penne pasta. One was in the 2.5 quart pot but I used the front burner. (When the orange burner glowed I could see two extra rings that the pot did not cover). On the other large burner, which is Turbo Boil...
by mbres60
Sat Nov 16, 2013 11:50 am
 
Forum: Personal Consumer Issues
Topic: smooth top electric range
Replies: 43
Views: 2251
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