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Re: Finance kids' medical educations with a HELOC?

It doesn't have to be all or nothing. Depending upon how risky the situation is for you (i.e., how much you have in retirement already) you might loan half the amount and expect them to take out loans as well (perhaps in the later years so that it can be more quickly paid off once they graduate.
by msj16
Wed Oct 29, 2014 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finance kids' medical educations with a HELOC?
Replies: 24
Views: 1712

Re: "Vanguard 'Bogleheads' Crazy for 'Saint' Jack Bogle?"

Look what a couple of great and wise men can do!
by msj16
Wed Oct 22, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard 'Bogleheads' Crazy for 'Saint' Jack Bogle?"
Replies: 8
Views: 1797

Re: Shoes for Plantar Fasciitis?

Custom orthotics worked for me.
by msj16
Mon Oct 20, 2014 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2352

Re: Recent statistics of college majors

Informative chart. Thank you for sharing. I would be interested in graduate school data as well. I have a budding physicist or chemist who has the mind to be an engineer but could go on to a Ph.D. in physics/chem. I wonder how that compares.
by msj16
Tue Oct 14, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recent statistics of college majors
Replies: 35
Views: 2668

Re: Air Purifier for Allergies

Good luck! Let's agree to update this post after some experience with the IQAIR machines I wanted to report back that the IQAir is amazing! I previously was using a BlueAir so it wasn't as if there was no air cleaner. With the IQ air, my son was saying he was not congested, was sleeping better and ...
by msj16
Sat Oct 11, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 2019

Re: help me help a friend, financially

Given the fact that she lost her job and has also been in debt in the past, she should build up an emergency fund. That is priority number one. Second, you have to help her see that at her age she has to build up more in retirement or she will be trapped into working for too long. Paying off the mor...
by msj16
Mon Oct 06, 2014 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: help me help a friend, financially
Replies: 24
Views: 2390

Re: Just need to vent

I have been in that situation too. I feel your pain. I sat down with my mother, father and their advisor, while their advisor said that it was fine for my 75 year old mother and 80 year old father to be invested 100% in stocks because of the "problem" with bonds. She then recommended putti...
by msj16
Sun Oct 05, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just need to vent
Replies: 16
Views: 3491

Re: Author Advice - Advantages/Disadvantages of Co-author

Thank you everyone for your feedback, petunias - Great questions. I will keep that list handy. mlebuf - I appreciate such valuable, detailed advice. I will approach this more strategically based on this feedback. EmergDoc - Thanks for the feedback from a very successful self-publisher. If only my fa...
by msj16
Mon Sep 29, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 18
Views: 1106

Re: Author Advice - Advantages/Disadvantages of Co-author

I want to run the written collaboration agreement by a lawyer. If anyone has any recommendation for the type of lawyer I would use (copyright lawyer?, intellectual property lawyer) and then any specific names in the NJ, PA or Manhattan area, I would appreciate it.
by msj16
Wed Sep 24, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 18
Views: 1106

Re: Author Advice - Advantages/Disadvantages of Co-author

I agree with the posters who said not to expect great sums of money from writing a book. I have written several technical books and in fact my nickname is derived from a compliment I got on one of them. My books were well-liked by their readers but never made much money mostly due to lack of promot...
by msj16
Wed Sep 24, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 18
Views: 1106

Re: Author Advice - Advantages/Disadvantages of Co-author

Can you directly work with the prospective co-author's agent, without making him a co-author? Victoria Well if it doesn't work out between us to collaborate, I can definitely go to the agent with my own proposal. But my concern is that large publishing houses will not want to publish an unknown aut...
by msj16
Wed Sep 24, 2014 8:03 am
 
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 18
Views: 1106

Re: Author Advice - Advantages/Disadvantages of Co-author

Thank you very much. This is incredibly helpful. The co-author would not ever agree to ghost write. He was recently interviewed on national tv and works hard to create a media presence. He has areas of expertise that blend nicely with mine which I believe will make for a better book. We both have ag...
by msj16
Tue Sep 23, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 18
Views: 1106

Author Advice - Advantages/Disadvantages of Co-author

Hello, I have an area of expertise (nothing to do with personal finance) which lends itself to writing a book for the general public. I met with a potential co-author today who loves my idea for a book. This individual has written six previous books, has an agent, has great writing skills and bringi...
by msj16
Tue Sep 23, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 18
Views: 1106

Re: Air Purifier for Allergies

Thank you Leesbro63 for letting me know. I am about to splurge on an IQ air as well!
by msj16
Sun Sep 21, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 2019

Re: Air Purifier for Allergies

I am the original poster. I've used the IQAIR for 2 nights and have not sneezed once. Placebo effect? Maybe, I'd think it tough to fake the body into not sneezing. To be fair, I haven't sneezed much during the day either (outside the bedroom), so perhaps the weather is just good for a low allergy t...
by msj16
Sat Sep 20, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: Air Purifier for Allergies
Replies: 29
Views: 2019

Re: Offered Promotion, but longer commute

It would probably be very stressful on your kids as well and this can have unexpected consequences on the whole family dynamic. It sounds like you have a bright future so I would just wait for the likely promotion.
by msj16
Wed Sep 03, 2014 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Offered Promotion, but longer commute
Replies: 37
Views: 3069

Re: Coverdell ESA for tutoring costs

Hi,

Just a quick note to say thank you for all of the helpful replies. As usual, the responses are so detailed that I can really create an action plan based on them.
msj16
by msj16
Mon Sep 01, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Coverdell ESA for tutoring costs
Replies: 6
Views: 377

Coverdell ESA for tutoring costs

Hello everyone. I was just reading the Bogleheads Guide to Investing (2nd Edition) - great overall guide and thank you for the updated version! It advises that ESA's can be used for tutoring costs. I have already funded a 529 account for college and do not plan to add any more money to it. However, ...
by msj16
Mon Sep 01, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Coverdell ESA for tutoring costs
Replies: 6
Views: 377

Re: HSA - how to decide if it is worth it?

Wow thank you for the great info Grabiner. I can see how this might work. Thank you Angst, Beth, asif408, Novine, jlawrence01, yosef, jstrazzere, hoops 777 for the useful advice. I think there are a lot of us folk out there who really haven't given enough thought to using this as a saving vehicle.
by msj16
Wed Aug 27, 2014 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - how to decide if it is worth it?
Replies: 14
Views: 1029

Re: HSA - how to decide if it is worth it?

This is all really helpful. Thank you Grabiner for emphasizing the tax benefit. Unfortunately, from the wiki here (thank you Bogleheads), it says that NJ is one of only 3 states to not allow tax deduction on contributions and apparently earnings are taxed as well (although not sure about the details...
by msj16
Wed Aug 27, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - how to decide if it is worth it?
Replies: 14
Views: 1029

Re: HSA - how to decide if it is worth it?

Thank you very much. I knew that it would be very helpful to get your input. I will look closely at the premiums, plan documents, max out of pocket, history of expenses, anticipated expenses, ability to self-insure and see what comes up. This board is great!http://www.bogleheads.org/forum/posting.ph...
by msj16
Wed Aug 27, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - how to decide if it is worth it?
Replies: 14
Views: 1029

HSA - how to decide if it is worth it?

Hello, There was a recent post on HSA which was very informative on how valuable a HSA is (by letting the assets in it grow and saving receipts for later). My question is how to decide if it is worth it to get a high deductible health plan in order to get an HSA? We currently have a standard PPO hea...
by msj16
Wed Aug 27, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - how to decide if it is worth it?
Replies: 14
Views: 1029

Re: Sport of Fencing question

Thank you to everyone who responded, I appreciate the advice. I will definitely contact the high school coach. But you are right. Even if he does not make the team, it can be very good for him. The fencing school tells me that they will advise when he is good enough for state tournaments. It takes s...
by msj16
Wed Aug 20, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Sport of Fencing question
Replies: 5
Views: 538

Sport of Fencing question

Hello everyone, My son took fencing for an hour a day in a summer camp for several weeks. He really enjoyed it and wants to start formal lessons. He is starting seventh grade. He has new aspirations of trying out for a high school fencing team (no middle school team exists in his school district). I...
by msj16
Tue Aug 19, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Sport of Fencing question
Replies: 5
Views: 538

Re: Should I become a CFP?

It seems like the pharma industry is constantly downsizing. I would definitely not depend on the five year plan. I would bail and take the year salary. Then consider applying for another job within the industry but at a small firm that would be in need of your skills.
by msj16
Tue Jul 29, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I become a CFP?
Replies: 27
Views: 3666

Re: Help me save my parents from Merrill Lynch

With my mother, I convinced her to move her assets by showing her an online mutual fund cost calculator (available at Vanguard and elsewhere). I had her try to first guess how much it was costing her, and then we used real numbers. She was shocked and this really turned the tide. Those who are not m...
by msj16
Sun Jul 27, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me save my parents from Merrill Lynch
Replies: 54
Views: 6668

Re: Ways to lose money and destroy personal wealth by invest

[quote="Valuethinker"]I am building up a list. Threads here are instructive. Some thoughts - jumping on the latest investment trend, the most recent top performing asset class (Emerging Markets, Tech Stocks, whatever)... Along those lines, investing all of your money in a single sector of ...
by msj16
Mon Jul 21, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: Ways to lose money and destroy personal wealth by investing
Replies: 81
Views: 9866

Re: Memory foam mattresses - any insight?

I recently bought a Tempurpedic Weightless Supreme. This is a newer model that was recommended when I said I didn't like how difficult it was to turn. It makes you sink in less. When it first came, the smell to me was really quite bad and went to the first floor of our house. I aired it out by keepi...
by msj16
Sat Jul 19, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 64
Views: 5633

Re: Voyager Select Financial Plan - Worth It?

Thank you very much for all of your help. As always, the advice here is really useful. I realize now that this will be a good exercise for our family - even if there are no major changes to our approach. I am going to make a list of questions which should help me to consider our entire financial cir...
by msj16
Fri Jul 11, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Voyager Select Financial Plan - Worth It?
Replies: 13
Views: 1908

Voyager Select Financial Plan - Worth It?

Hello, I just realized that we now qualify for Voyager Select status at Vanguard. It feels like an important milestone has been reached. I keep things simple at Vanguard (target retirement, 3 fund portfolio etc...), however I am happy to try out their free financial plan. For those who have done it:...
by msj16
Thu Jul 10, 2014 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Voyager Select Financial Plan - Worth It?
Replies: 13
Views: 1908

Re: Bank Account in England while US resident

Thank you for all of your replies, Don't worry - the tax is being paid. We get rental income after all deductions, including tax. A property management company is handling all of the necessary issues. We get statements from the property management company that lists income and deductions, and then o...
by msj16
Thu Jul 10, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank Account in England while US resident
Replies: 9
Views: 1067

Bank Account in England while US resident

Hello, We have inherited property in London which is being rented for a business. The rent goes to my brother-in-law who sends it via wire transfer. Unfortunately, he does not send it in a timely fashion. We would like to open up a bank account in England so that the rent can go to this account and ...
by msj16
Thu Jul 10, 2014 6:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Account in England while US resident
Replies: 9
Views: 1067

Re: Worried about my parents' financial health

Perhaps encourage him to take some of the money and buy an annuity so that "when you are gone, mom has steady income since she does not understand how to manage the stocks like you do." I think the money has to be unavailable to him, or it will be used to gamble in the stock market.
by msj16
Fri Jul 04, 2014 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Worried about my parents' financial health
Replies: 10
Views: 1112

Re: Help with 85 y.o. parents' retirement portfolio

Last year I sat across from my mom's financial advisor and listened to her tell my 75 year old mom that while she currently was in an advisor recommended portfolio of 80% stocks (stock mutual funds) even 100% stocks was fine as an asset allocation due to the "risk in the bond market". I ed...
by msj16
Tue Jun 24, 2014 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 85 y.o. parents' retirement portfolio
Replies: 53
Views: 5121

Re: How to calculate percentage of income needed once retire

People on this forum recommend not bothering with percentage of income - financial planners tend to inflate what you need. This forum recommends multiple of expenses - so 25x yearly expenses is considered the golden rule for allowing one to retire.
by msj16
Mon Jun 16, 2014 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate percentage of income needed once retired?
Replies: 13
Views: 1011

Re: Science Olympiad

I am a parent of a proud science olympian. The nationals are a great opportunity and not to be missed. We spend enough on college so why shouldn't we spend on enriching academic experiences such as this?
by msj16
Mon May 19, 2014 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Science Olympiad
Replies: 2
Views: 410

Re: Are Tornado Shelters Worth the Cost?

Not trying to be political but the scientific consensus is that the effects of global warming will be more intense storms. I do believe that this is already happening. After Hurricane Irene, when many neighbours had flooded basements, we put in a stand alone generator. We expected it to just be a ve...
by msj16
Sat May 17, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Are Tornado Shelters Worth the Cost?
Replies: 52
Views: 3891

Re: Buying fine art (Dali particularly)

+1 Loved the Dali museum in St. Petersburg. Did a whirlwind tour of it unfortunately during a hectic business trip, but it was well worth it.
by msj16
Fri May 02, 2014 10:33 pm
 
Forum: Personal Consumer Issues
Topic: Buying fine art (Dali particularly)
Replies: 8
Views: 897

Re: Flexible spending Account Question - Changed Jobs

Many thanks mah001 for the advice and for the reference. I read the reference and it does clearly state that. This forum is filled with sharp people giving generous advice.

msj16
by msj16
Thu May 01, 2014 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flexible spending Account Question - Changed Jobs
Replies: 2
Views: 293

Flexible spending Account Question - Changed Jobs

Hi, I recently changed jobs and before I left, I maxed out the flex spending (2500). Now, the new job is offering flex spending with max limit of 2500. I assume that I Cannot add to this (since government sets limit of 2500 per employee) but wanted to make sure. The online benefit section for the ne...
by msj16
Thu May 01, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flexible spending Account Question - Changed Jobs
Replies: 2
Views: 293

Re: Umbrella excess liability policy

The case is still active but from what I know, I wouldn't be surprised if the settlement was substantial enough to award all of it. Yes, there was disability insurance.
by msj16
Tue Apr 29, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella excess liability policy
Replies: 103
Views: 19501

Re: Umbrella excess liability policy

I want to thank Kenner for giving of time and expertise. Kenner is trying to help others avoid catastrophic situations. I have a family member who was hit by a truck while riding a bicycle. The police officer declared the truck completely at fault. The truck was driven by a Mexican driver without ev...
by msj16
Tue Apr 29, 2014 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella excess liability policy
Replies: 103
Views: 19501

Re: You did what???? (out since Sept. 2009)

Wizard - I will revise my post to make it more clear what I said but yes, to me, this is nitpicking and misses the point of what I was trying to say. I had explained to my mother that this was a loss in portfolio value I was talking about and that she should not sell during a crash. This is the prob...
by msj16
Sun Apr 27, 2014 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: You did what???? (out since Sept. 2009)
Replies: 25
Views: 7094

Re: You did what???? (out since Sept. 2009)

My mother had a great fear of losing money in stocks. In order to help her find the right stock allocation, I did the following: 1) I asked her if she was comfortable with a 50/50 stock/bond allocation. She said yes. 2) To double check, I then said, so, are you prepared to possibly lose 110,000 (in ...
by msj16
Sun Apr 27, 2014 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: You did what???? (out since Sept. 2009)
Replies: 25
Views: 7094

Re: Newly Widowed, what to do with the life insurance money.

I get a sense from your post that you believe that the life insurance is a lot of money and your expenses are low - therefore you are able to do some gifting of money to the children for college. But please do consider that it really is not that much money (even if you do sell the house) given your ...
by msj16
Thu Apr 17, 2014 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly Widowed, what to do with the life insurance money....
Replies: 28
Views: 3793

Re: Looking for Low-Cost Eyeglass Shop I can visit

Thank you for all of the suggestions. I will definitely try these options. Costco or Sams Club looks like a good bet. Thank you for the online suggestions as well - I suppose there is no harm trying a place like Zenni. At least I put away flex spending money for this! p.s. lightheir - high index is ...
by msj16
Wed Apr 16, 2014 7:50 am
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 2170

Looking for Low-Cost Eyeglass Shop I can visit

Hello everyone, I appreciate all of the help I have gotten from this site so far. I am seeking an eyeglass shop alternative to Lenscrafters. I just came back from Lenscrafters - was quoted 630 for a high index/varilux frame and lens (this was already with a 30% discount). I wear eyeglasses for dista...
by msj16
Tue Apr 15, 2014 11:35 pm
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 2170

Re: My financial advisor doubt

I am helping my mother who lives in Canada to manage her portfolio. It is very simple now that one can purchase ETF's through Vanguard Canada. She now has a portfolio which is exactly what Bogleheads recommend ( 3 fund-total US stock market, total bond market, total international, as well as Canadia...
by msj16
Mon Apr 14, 2014 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: My financial advisor doubt
Replies: 40
Views: 5256

Re: Best place to shop for Office Furniture

Thank you for all of your suggestions. I remember Costco when I lived in California. I will definitely try the used furniture stores.

Thank you meyer99 but I already have a great chair. Just need something to write on!
by msj16
Mon Apr 07, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Best place to shop for Office Furniture
Replies: 9
Views: 995

Re: Are we saving too much or too litte?

On this board, most people agree that when calculating how much to save for retirement, to not go by replacing a percentage of income but instead by covering expenses. Most people on this board also say that they live in retirement on 4000 to 5000 a month in expenses (40,000 to 60,000 a year to fund...
by msj16
Sat Apr 05, 2014 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are we saving too much or too litte?
Replies: 28
Views: 3182
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