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Re: Kitchen Remodel... Or Not?

In response to Edge's comments: my best guess is that the more "on trend" your kitchen remodel is, the faster it goes out of style. It sounds like you went with a more classic style that fit your architecture--those will look good for longer. In my local area, there was mass hysteria a few...
by patriciamgr2
Mon Jul 28, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 52
Views: 2340

Re: Kitchen Remodel... Or Not?

These are just a few thoughts from me & a friend of mine who renovates houses for rental. Check local real estate listings to determine (1) what amenities are selling--in your area & in your house's price range; and (2) what style of renovations sell. Before you commit to a renovation, run t...
by patriciamgr2
Mon Jul 28, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 52
Views: 2340

Re: Auto Accident/Insurance/Repair Question

Be sure that you communicate with both insurance companies that you will only accept new, original manufacturer parts for replacement (should be within your rights in most jurisdictions) & that you believe you're entitled to compensation for any decrease in trade-in value due to the car being in...
by patriciamgr2
Mon Jul 07, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Auto Accident/Insurance/Repair Question
Replies: 37
Views: 1898

Re: Car did not start: To dispose? How?

Sorry about your troubles. 1. A few years ago, my boyfriend used AAA to tow car to his own choice of mechanics from his own property after they determined battery was not the problem. Assume they'll do this when you call them. Until you get an estimate from a mechanic, I wouldn't assume there's a se...
by patriciamgr2
Mon Jul 07, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5516

Re: Please help us decide where to live

I wanted to offer a slightly different perspective on your decision. I believe finding a local business climate in which your unspecified, bricks & mortar service business will thrive should be your number one priority in sorting towns once they make your "short list". That may be more...
by patriciamgr2
Sat Jun 28, 2014 12:25 am
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7819

Re: Does Vanguard offer money wire option toward a title com

In the past, I've used the process I believe Vanguard calls "wire transfer for one-time redemption" for real estate closings. the money went directly to the title company's trust account (I sent form to Vanguard about a week in advance & requested that funds arrive at the title company...
by patriciamgr2
Thu Jun 26, 2014 2:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard offer money wire option toward a title company
Replies: 17
Views: 910

Re: Recorded Q&A with Rick Ferri and the RTP Bogleheads

Thanks for posting the link.

I'm really looking forward to Mr. Ferri's new ebook on the education of an index investor. I hope he lets us know when that becomes available; it sounds like it will be a perfect introduction to our philosophy of investing.
by patriciamgr2
Wed Jun 25, 2014 2:49 am
 
Forum: Investing - Theory, News & General
Topic: Recorded Q&A with Rick Ferri and the RTP Bogleheads
Replies: 25
Views: 3055

Re: Investment Withdrawals - Behavioral Aspect

The most difficult part for me--from a behavioral aspect--is when market conditions force "reverse dollar cost averaging". I enjoyed market declines when I was adding to investments; now, I know that if I were to withdraw a fixed amount during market declines, I am withdrawing a higher per...
by patriciamgr2
Wed Jun 25, 2014 12:22 am
 
Forum: Investing - Theory, News & General
Topic: Investment Withdrawals - Behavioral Aspect
Replies: 14
Views: 967

Re: Blog: There's a spreadsheet for that

LG: Thanks so much for this. I know I'll find it useful.
by patriciamgr2
Sun Jun 22, 2014 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: There's a spreadsheet for that
Replies: 8
Views: 1142

Re: does frugality result in lower career ambition?

For people who are striving for early retirement, i believe the opposite is true. One wants to get as far as possible, as quickly as possible. Also, frugality allows employees to take huge career risks--several times I took challenging positions & negotiated for options or incentive pay vs. guar...
by patriciamgr2
Mon Jun 02, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 8366

Re: Moving 1.5 bedrooms 400 miles

Years ago, I used Mini-moves (endorsed by some consumer website). They contract with a local mover to pick up your items; merge all items going your route together in a large truck; & then contract with another mover in the new location to deliver. You'd need to check recent references, but they...
by patriciamgr2
Wed May 28, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving 1.5 bedrooms 400 miles
Replies: 19
Views: 1054

Re: Rental Property

Landlord.com has some links to how to run credit checks, how to evict a tenant, etc. I rely on IRS publications (& maybe Fairmark.com) for tax issues. Please be sure you understand how deductions associated with the property will impact your basis (which will determine how much tax you pay when ...
by patriciamgr2
Tue May 27, 2014 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rental Property
Replies: 5
Views: 694

Re: MEMORIAL DAY, 2014

Thanks for the beautiful post, Taylor, to remind us all of the true meaning of Memorial Day.
by patriciamgr2
Mon May 26, 2014 8:26 am
 
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY, 2014
Replies: 17
Views: 1680

Re: Husband just lost job

I'm sorry about this setback for your family. As earlier posters have noted, you need to draw up an austerity budget ASAP. If your family's only income is unemployment & your $1K per month, you may qualify for subsidies under ACA for next year, and perhaps for this year, even with his earnings t...
by patriciamgr2
Sat May 24, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband just lost job
Replies: 60
Views: 6352

Re: Break is over (Yep, a SS question) šŸ˜”

I want to hijack the thread for a moment to thank SSCritic, Oblivious Investor & others for all of the time & expertise devoted to answering these questions. I am certainly sympathetic to the request that posters do some research first so that the question is very specific & thus easier ...
by patriciamgr2
Thu May 22, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Break is over (Yep, a SS question)
Replies: 37
Views: 2756

Re: We won best paper from S&P SPIVA worldwide!

Congratulations on the honor and thank you so very much for your use of the prize proceeds. I appreciate all that you do for investors like us. Thanks!
by patriciamgr2
Thu May 22, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: We won best paper from S&P SPIVA worldwide!
Replies: 39
Views: 3037

Re: Poor Planning Parents (baby boomers)

First, congratulations on being willing to help your parents. I would not suggest co-signing loans because you will want/need to control their finances if you do so, & that may harm family harmony. Second, I strongly urge you and your parents to contact professionals (realtors/business brokers) ...
by patriciamgr2
Tue May 20, 2014 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Poor Planning Parents
Replies: 28
Views: 3434

Re: Competent family member's impulsivity- ?irreversible SPI

I apologize if this is too obvious a suggestion. But, have you contacted Vanguard's non-commissioned annuity sales team? [800-357-4720 or Vanguard.com/Funds & Stocks/Annuity Portfolios on website]. I'm sure Fidelity has a similar group. That would be my first step in asking questions about which...
by patriciamgr2
Thu May 08, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Competent family member's impulsivity- ?irreversible SPIA
Replies: 15
Views: 1683

Re: Help to make decision take monthly annuity or lump sum

I'm so glad you decided to retire. Avoiding that commute is going to be a wonderful change in your life. Does your employer offer retiree health coverage? If not, have you priced out ACA policies? With an annuity or high levels of taxable withdrawals, you may not qualify for subsidies. You don't wan...
by patriciamgr2
Tue May 06, 2014 3:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Help to make decision take monthly annuity or lump sum
Replies: 27
Views: 1800

Re: 28 yo looking to switch from active to passive [military

Any other suggestions for OP & his wife on what funds should replace 5 American funds in their taxable account?
by patriciamgr2
Sun Apr 27, 2014 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 28 yo looking to switch from active to passive [military]
Replies: 10
Views: 2095

Re: 28 yo looking to switch from active to passive [military

As I mentioned earlier, we are all grateful to you and your wife for your service. Thanks. I hope other Bogleheads will jump in to comment on which Vanguard funds will be optimal for OP's taxable account to replace existing 5 American Funds holdings. 1. Please check your prospectus to see if there a...
by patriciamgr2
Sun Apr 27, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: 28 yo looking to switch from active to passive [military]
Replies: 10
Views: 2095

Re: In-law Suite

Does your building site require making the unit 2-story in order to fit on the property? Many "in-law" suites are designed for aging in place, so unless the master bedroom and bath are on the main level and there is easy, accessible access from their garage space to their front door, that ...
by patriciamgr2
Fri Apr 25, 2014 2:02 am
 
Forum: Personal Finance (Not Investing)
Topic: In-law Suite
Replies: 19
Views: 1969

Re: selling/buying house question

just to emphasize the point made by earlier posters: if you don't have cash on hand NOW-- it's not a cash offer. I'm not sure what your reasoning is about paying off your own mortgage unless you have enough cash to own your own house outright and still have enough to pay cash immediately for the new...
by patriciamgr2
Tue Apr 15, 2014 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: selling/buying house question
Replies: 6
Views: 891

Re: selling/buying house question

I agree with ps honore's point about a buyer not caring whether your house is paid off. You just need to be able to deliver good title so be sure that the mortgage is the only lien (ie no contractor's, homeowners' association or tax liens) and that your mortgage pay off amount is less than the sales...
by patriciamgr2
Tue Apr 15, 2014 2:49 am
 
Forum: Personal Finance (Not Investing)
Topic: selling/buying house question
Replies: 6
Views: 891

Re: Alternative to a car

I'd suggest contacting AARP to find out if they know of any senior driving evaluation services in your mother's area. I've heard of some that use simulators. (I don't consider the standard AARP classroom sessions particularly useful in assessing driver competence). Alternatively, you could sign Mom ...
by patriciamgr2
Mon Apr 14, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 36
Views: 3194

Re: Wasting money on rent or buy in California

The rental, IMO, is absolutely the right choice--at least for a year or two. 1. You didn't list the ages of your boy and girl. If they're not teenagers, I would purchase some furniture (which can be moved to a home eventually) that gives them a bit of privacy (e.g. bed that folds down out of an almo...
by patriciamgr2
Mon Apr 14, 2014 1:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Wasting money on rent or buy in California
Replies: 20
Views: 2502

Re: Military guy looking for investment advice.

First, thank you so very much for your service to our country. You have done an outstanding job of avoiding debt and accumulating money to invest. Congratulations on those accomplishments. I am not familiar with the government funds, so I am not commenting on those. Earlier posters have mentioned th...
by patriciamgr2
Fri Apr 11, 2014 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Military guy looking for investment advice.
Replies: 10
Views: 802

Re: Preventing Office Theft of Food and Other Stuff

I don't read the Forum consumer threads often enough. I'm not sure which made me laugh more: the guy whose wife needs to prove she isn't poisoning him (assuming she doesn't add the poison after taking the bite!) or (eek) the person who discovers hair "not from someone's head" in their offi...
by patriciamgr2
Thu Apr 10, 2014 10:30 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 78
Views: 6699

Re: Expensive med. test not covered by insurance

Neither I nor my boyfriend is a physician. It seems to me, however, that some posters are expecting too much from physicians and their offices. It's really a patient's responsibility, IMO, to understand their own insurance. Given the constant changing landscape of health insurance, if doc's reviewed...
by patriciamgr2
Thu Apr 10, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 4806

Re: Military Member Needing Investing Advice

First, thank you for your service. You and your family are making sacrifices which benefit all of us. I appreciate it. Second, welcome to the Forum. Congratulations on being smart enough to avoid the hype. Low-cost, tax-efficient investing over time will help you reach your goals. The links earlier ...
by patriciamgr2
Thu Apr 10, 2014 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Military Member Needing Investing Advice
Replies: 10
Views: 928

Re: Losing job-financial advice

Sorry that your family is suffering this temporary setback. My suggestion would be to front load dental, vision and medical (e.g. regular checkups, prescriptions) expenses while husband is still employed. If you have FSA, have a strategy for spending that down (to reduce future expenses). Also, spen...
by patriciamgr2
Thu Apr 10, 2014 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Losing job-financial advice
Replies: 18
Views: 2001

Re: Alternative to a car

One other point I failed to mention: I personally think that if a senior has balance issues, slow reaction times or impaired judgment, a golf cart is not necessarily safer. If you were to be hit by another vehicle, there is very little protection. Even if it were legal, I'd worry about a senior driv...
by patriciamgr2
Wed Apr 09, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 36
Views: 3194

Re: Alternative to a car

If your mother lives in a retirement community where the streets are "golf cart permissible" (that's the Nevada phrasing), a golf cart is a good alternative. If the grocery store is within the community, then that will work. Most areas don't allow golf carts on streets, however. A mobility...
by patriciamgr2
Wed Apr 09, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 36
Views: 3194

Re: heartbleed - widespread internet security problem

FWIW, I just checked with a Flagship rep. She said that the Vanguard IT team issued an internal notice late last night saying that the Vanguard site did not have Open Heart & therefore none of our information is affected by Bleeding Heart. Caution: I am not tech-savvy & therefore don't reall...
by patriciamgr2
Wed Apr 09, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 22413

Re: Front License Plates for new Subaru

Thanks for the suggestion; I appreciate it. When I called, my dealer just suggested drilling the bumper. I have contacted them, of course, to get info on why the front bumper prep wasn't part of dealer preparation fee; & get info on the plastic anchors they used in affixing the back bumper plate...
by patriciamgr2
Wed Apr 09, 2014 2:24 am
 
Forum: Personal Consumer Issues
Topic: Front License Plates for new Subaru
Replies: 8
Views: 858

Re: heartbleed - widespread internet security problem

The LastPass heartbleed checker indicated that Vanguard.com might be vulnerable. Have any of our tech-savvy Forum members checked with Vanguard on this? If so, I'd be very grateful if you would post what you learn here on the site (e.g. was there any vulnerability; if so, when can we check accounts ...
by patriciamgr2
Wed Apr 09, 2014 2:00 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 22413

Front License Plates for new Subaru

Hello to all Boglehead Subaru owners: Unlike my 2001 model, my new Subie has pre-drilled holes in front bumper sized for Japanese plates. There are indentations ("dimples") where I could drill for US sized plates. Has anyone had any luck with the Totsubo conversion kit (which mounts into t...
by patriciamgr2
Wed Apr 09, 2014 1:21 am
 
Forum: Personal Consumer Issues
Topic: Front License Plates for new Subaru
Replies: 8
Views: 858

Re: Moving cross-country....best value type movers

In the past, I have used Mini Moves for long-distance, low load moves--although it's been several years so you'll need to google to get current reviews. When I used them, they contracted work out & combine loads into trucks that are going "your way" already. If you're not time-sensitiv...
by patriciamgr2
Mon Apr 07, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: Moving cross-country....best value type movers
Replies: 4
Views: 434

Re: My "Motley Fool" Interview

Fabulous interview with, as usual, a great deal of wisdom. Thanks for posting this!
by patriciamgr2
Thu Mar 27, 2014 12:10 am
 
Forum: Investing - Theory, News & General
Topic: My "Motley Fool" Interview
Replies: 8
Views: 2018

Re: Prius performance in extremely hot climates

Many thanks for all of the helpful information including the links for the Prius owners' chat room. Thank you all very much!
by patriciamgr2
Fri Mar 21, 2014 10:06 pm
 
Forum: Personal Consumer Issues
Topic: Prius performance in extremely hot climates
Replies: 14
Views: 1141

Prius performance in extremely hot climates

I am shopping for a new car & am considering a 2014 Prius (although I'm also researching how much of a design change the 2015 model will represent) I know many Bogleheads own a Prius & I've received great information from reading previous threads. I had one specific question which I didn't s...
by patriciamgr2
Fri Mar 21, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Prius performance in extremely hot climates
Replies: 14
Views: 1141

Re: An Interview with ETF.com Founder and CEO Jim Wiandt

Thanks for posting this interesting interview. I've been reading Index Universe (now ETF.com) for years. It's a great resource.
by patriciamgr2
Thu Mar 20, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: An Interview with ETF.com Founder and CEO Jim Wiandt
Replies: 2
Views: 310

Re: 1 Year Update: Deployed in Afghanistan

Thank you so much for your service to our country. It is very much appreciated. I want to +1 everyone's comments on your debt reduction to date: that is really impressive. You and your family should make the decision on extending your service with a recognition that you've already made tremendous pr...
by patriciamgr2
Sun Mar 16, 2014 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: 1 Year Update: Deployed in Afghanistan
Replies: 7
Views: 1174

Re: Wade Pfau: Lifecycle Finance

This is a great thread. Many thanks to Bobcat & other posters for their thoughtful posts. I really appreciate the effort & have bookmarked this for future reference.
by patriciamgr2
Sun Mar 16, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Wade Pfau: Lifecycle Finance
Replies: 120
Views: 15592

Re: Estate Sales

I think what Freebeer was referring to is the estate sale firm's bringing its own (or other sellers') items to your house & essentially using your house as a showroom for sales on which you do not share in the proceeds. [When I've had things to sell & didn't want strangers wandering through ...
by patriciamgr2
Fri Feb 28, 2014 4:16 am
 
Forum: Personal Consumer Issues
Topic: Estate Sales
Replies: 23
Views: 2440

Re: Portfolio Review Request [Military]

bumping request up. are there any military Bogleheads able to help??
by patriciamgr2
Thu Feb 27, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request [Military]
Replies: 12
Views: 1173

Re: Portfolio Review Request [Military]

I'm bumping this request up. because I am not familiar with the investment options you reference, I'm not the correct person to provide an opinion. I know we have lots of Forum members with military/govt experience, however, who are in a better position to assist you. Thank you so much for your serv...
by patriciamgr2
Wed Feb 26, 2014 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request [Military]
Replies: 12
Views: 1173

Re: "The White Coat Investor" -- A Gem

I find the Dr's blog very worthwhile and many of us have benefited from his posts here on the Forum. I have suggested his new book to several of my friends who are physicians; other busy, high-earning professionals who face liability issues & are inundated with "financial advice" may a...
by patriciamgr2
Thu Feb 20, 2014 12:42 am
 
Forum: Investing - Theory, News & General
Topic: "The White Coat Investor" -- A Gem
Replies: 14
Views: 4622

Re: Good Idea to Sell Old Home To Upgrade To Newer Home?

It really seems that you have a more basic problem than just what to do with this house. A few things I'm sure about: 1. You currently own a home. Financially, buying a smaller but not significantly cheaper home a few years BEFORE you make life decisions like whether & how many children you will...
by patriciamgr2
Mon Feb 17, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Good Idea to Sell Old Home To Upgrade To Newer Home?
Replies: 33
Views: 2307

Re: My Next Step = Current FireFighter Looking For Advise

Thank you so very much for your service! In loss prevention groups in the oil and gas industry, there are fire prevention specialist positions. Unfortunately, these also involve heavy travel--because you visit company sites. Signing off on boiler inspections, etc. requires engineering credentials, b...
by patriciamgr2
Wed Feb 12, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: My Next Step = Current FireFighter Looking For Advise
Replies: 15
Views: 1112
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