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by patriciamgr2
Tue May 26, 2015 6:56 pm
Forum: Personal Consumer Issues
Topic: Need to sell old home. Should we spend money to modernize it first?
Replies: 30
Views: 1955

Re: Need to sell old home. Should we spend money to modernize it first?

I forgot to mention one point. I would not replace carpeting, but do ask your uncle if there are hardwood floors underneath & what his best guess is on condition. I wouldn't pull up an entire carpet, but (if there's good hardwood underneath) have a handyman gently pull back a corner in one publi...
by patriciamgr2
Tue May 26, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: Need to sell old home. Should we spend money to modernize it first?
Replies: 30
Views: 1955

Re: Need to sell old home. Should we spend money to modernize it first?

i add my vote to the "don't renovate" faction. Rehabbers who do this for a living, or a family who wants to live there will do a much better job. i'd consider hiring someone to wash painted surfaces rather than committing to painting right away; that may be enough to get the house showable...
by patriciamgr2
Mon May 25, 2015 9:16 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodeling and Microwave Food
Replies: 27
Views: 1307

Re: Kitchen Remodeling and Microwave Food

I love to microwave seasoned fresh or frozen fish (fillets work best) in packets made out of parchment paper; the fish gently steams. I've cooked chicken parts in the microwave (drumsticks cook best when arranged in a circle, with the bone facing in); add sauce at end to make up for no color. I cook...
by patriciamgr2
Mon May 25, 2015 9:01 pm
Forum: Personal Consumer Issues
Topic: Chest Freezer Organization Methods / Devices
Replies: 4
Views: 435

Re: Chest Freezer Organization Methods / Devices

When I had a chest freezer, my goals were (1) to minimize operating costs (read your instruction book, but my manufacturer said mine operated best when tightly packed with just a bit of space around the edges); (2) to eliminate waste & spoilage; & (3) to organize enough to avoid the "ar...
by patriciamgr2
Sun May 24, 2015 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: MLP Investors: seek advice on "reabsorbtion" targets
Replies: 2
Views: 295

MLP Investors: seek advice on "reabsorbtion" targets

I'm considering compiling a "buy list" of MLPs I'd consider buying at certain prices. Because these would be held in taxable acct, I wouldn't view reabsorption into the parent (a la Kinder & recently Williams) as a positive. Barron's noted OKS (Oneok Partners) and PAA (Plains All-Ameri...
by patriciamgr2
Sun May 24, 2015 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for income
Replies: 6
Views: 835

Re: Investment advice for income

I agree with earlier posters' doubts about whether individual bonds are a better choice than a fund for you. You would want to diversify among several issuers & therefore would be buying an "odd lot" of principal amount of bonds so you can't get the best pricing. Depending on where you...
by patriciamgr2
Sun May 24, 2015 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for income
Replies: 6
Views: 835

Re: Investment advice for income

Welcome to the Forum! I am sorry about your health issues. First, I strongly encourage you to contact local agencies to ensure that you are taking full advantage of any aid to which you are entitled as a low-income citizen: utility assistance; earned income tax credit refunds for the period when you...
by patriciamgr2
Thu May 14, 2015 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a dumb thing to do? [Pied-a-terre to share with daughter]
Replies: 41
Views: 4882

Re: Is this a dumb thing to do? [Pied-a-terre to share with daughter]

You mentioned recently living w/ son; was he offered the same arrangement (or equivalent value gift)? Will he care? Is the boyfriend content to never be a live-in (assuming the 3 of you in one flat would be uncomfortable for all concerned)?
by patriciamgr2
Thu May 14, 2015 2:39 am
Forum: Investing - Help with Personal Investments
Topic: Looking for input on investing a windfall
Replies: 14
Views: 1956

Re: Looking for input on investing a windfall

1. Please keep in mind that keeping the money "safe and sound" while you are finalizing your investment strategy can be done at e.g. Vanguard. If you transferred the money to e.g. a tax-exempt money market account @ Vanguard, you could invest some of it in very short "brokered" C...
by patriciamgr2
Mon May 11, 2015 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for input on investing a windfall
Replies: 14
Views: 1956

Re: Looking for input on investing a windfall

I am so sorry for your loss. It's great that you've given yourself some time to grieve. You've received excellent advice already. I'll just emphasize a few points. 1. Your choice of income-producing funds depends on your projected tax bracket. Have all of the estate tax filings been made? If you use...
by patriciamgr2
Wed May 06, 2015 4:30 pm
Forum: Investing - Theory, News & General
Topic: My expanded interview w/ Barry Ritholtz of Bloomberg Radio
Replies: 10
Views: 1849

Re: My expanded interview w/ Barry Ritholtz of Bloomberg Radio

thanks for sharing this, Rick. I hope you'll also share developments in your "vertical advisor [or "adviser" :happy ] model " with us. I personally think there would be enormous value in having a cost-effective automated management system which came with the ability to pay for de...
by patriciamgr2
Mon May 04, 2015 5:20 pm
Forum: Investing - Theory, News & General
Topic: Concerned that Floating NAV Rules will disrupt Prime Money Market Fund?
Replies: 20
Views: 1205

Re: Concerned that Floating NAV Rules will disrupt Prime Money Market Fund?

Well, I read the Prospectus as there being only one Prime Money Market Fund, which offers different share classes (high min level investments pay lower expenses). I wouldn't expect that investments would be segregated between share classes. [Similarly, I assume my Admiral shares of Vanguard stock fu...
by patriciamgr2
Mon May 04, 2015 3:08 pm
Forum: Investing - Theory, News & General
Topic: Concerned that Floating NAV Rules will disrupt Prime Money Market Fund?
Replies: 20
Views: 1205

Re: Concerned that Floating NAV Rules will disrupt Prime Money Market Fund?

Thanks for the thoughtful responses. I was watching a Vgd webinar on smart beta or I would have responded to questions sooner. 1. https://www.fidelity.com/mutual-funds/news-analysis/money-market-funds-statement is an example of fund companies reacting to what they perceive as lower future demand for...
by patriciamgr2
Mon May 04, 2015 11:31 am
Forum: Investing - Theory, News & General
Topic: Concerned that Floating NAV Rules will disrupt Prime Money Market Fund?
Replies: 20
Views: 1205

Concerned that Floating NAV Rules will disrupt Prime Money Market Fund?

There's been speculation that institutional investors will not be able to retain prime money market holdings once the floating NAV rules go into effect in July 2015 (discussed on this Board in connection with Vanguard's creation of VUSFX (Ultra Short Bond Fund-Admiral) as an alternative). I had assu...
by patriciamgr2
Sat May 02, 2015 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should we increase umbrella policy for pool?
Replies: 6
Views: 941

Re: Should we increase umbrella policy for pool?

IMO, a pool increases your chance of "expensive" liability incidents; given the reasonable costs of umbrella policy, I'd increase coverage. You've probably already done this, but I'd suggest ensuring that you've consulted both your HO & umbrella providers to see if there are any condit...
by patriciamgr2
Fri May 01, 2015 11:29 am
Forum: Personal Consumer Issues
Topic: Telemarketing by Cell /Increase with Consumer Cellular
Replies: 32
Views: 1709

Re: Telemarketing by Cell /Increase with Consumer Cellular

theoretically, the do not call service also covers mobile phones. did you change your number?; if so, you'll need to add it to the registry. I also notified a carrier that I didn't want my number sold when I started service--I have no idea if that works. the following article discusses telemarketing...
by patriciamgr2
Wed Apr 29, 2015 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or rent condo
Replies: 19
Views: 823

Re: Sell or rent condo

As you consider your sell vs rent decision, please consider calculating what taxes (if any) will be due on sale. If the unit was in personal use for a period of time, your original purchase price may not be used in the calculation. My understanding is that the value on the date it became a rental, l...
by patriciamgr2
Tue Apr 28, 2015 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Sell my condo or rent it out?
Replies: 25
Views: 2149

Re: Sell my condo or rent it out?

There are threads on this forum describing tax & landlord liability issues for rental real estate. You should calculate what depreciation you can deduct (& also understand how that depreciation gets recaptured when you sell). The ability to exclude capital gains on sale of the condo from you...
by patriciamgr2
Mon Apr 27, 2015 2:07 pm
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 58
Views: 5953

Re: Been invited to wedding in Disney World. My cost?

This is slightly off-topic, but I have suggested to friends whose ceremony would be a long trip for a significant portion of their friends/family to offer--at the same time as the invitation--an alternative event to be held after the wedding. Possibilities include: an 'at home" gathering at the...
by patriciamgr2
Mon Apr 20, 2015 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: New landlord: LLC and Umbrella Insurance Question
Replies: 7
Views: 735

Re: New landlord: LLC and Umbrella Insurance Question

Pls make sure your umbrella policy specifically names the property as a rental (not just as a second home) & that the coverage "drops down" to your basic landlord coverage (that basic coverage coming either through a rider to your own HO or on a separate landlord's policy) on the renta...
by patriciamgr2
Wed Apr 15, 2015 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: 24 y/o military -- Target Date vs. 3 Fund Portfolio Advice
Replies: 13
Views: 1272

Re: 24 y/o military -- Target Date vs. 3 Fund Portfolio Advi

Thank you so much for all you are doing for our country. I agree with other posters that it's important to treat different accounts as one portfolio for purposes of analysis. The only time that's not true is if you have an amount of money earmarked for a special purpose with a shorter time horizon (...
by patriciamgr2
Wed Apr 08, 2015 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Should We Start Taking Social Security Out?
Replies: 10
Views: 1013

Re: Should We Start Taking Social Security Out?

the Wiki has a section on social security & there have been many threads on the Forum you can access using the search function. Good Luck
by patriciamgr2
Tue Apr 07, 2015 8:21 pm
Forum: Personal Consumer Issues
Topic: Rental flooring decision
Replies: 36
Views: 3251

Re: Rental flooring decision

Quality ceramic or porcelain tile is expensive vs. vinyl. Tile will crack if heavy items are dropped on it (eg moving). Also, keeping grout clean (even if owner does double sealing after installation) is a challenge for many tenants. Finally, pet urine or other untreated spills will soak into grout ...
by patriciamgr2
Mon Apr 06, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: Rental flooring decision
Replies: 36
Views: 3251

Re: Rental flooring decision

+1 on Allure. I haven't seen long-term results in wet areas--but short-term, it performed very well & looked as good as many laminates I've seen..
by patriciamgr2
Sun Apr 05, 2015 9:55 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 2113

Re: Should I By a Used Motorhome

With an RV of that vintage, I'd worry about (as other posters noted) parts availability, but also about gas mileage, & energy efficiency while parked (lights, etc). Also, because your friends bought it used, neither family really knows the RV's history.
by patriciamgr2
Sun Apr 05, 2015 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Renting in Retirement - Considerations?
Replies: 53
Views: 4289

Re: Renting in Retirement - Considerations?

I have been renting recently (after owning homes & investment real estate) in order to maximize my flexibility & to have complete freedom to travel. The unexpected benefit of renting for me has been the savings from not (compulsively) upgrading/improving the home. If I owned this place, I'd ...
by patriciamgr2
Thu Apr 02, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Letter from Lawyer to enter my property to construct road
Replies: 39
Views: 6461

Re: Letter from Lawyer to enter my property to construct roa

You didn't say how large the lot is, so this may not be relevant. You should determine what restrictions (if any) there are about building within a certain distance from a road that's not just a driveway for your lot.
by patriciamgr2
Tue Mar 31, 2015 8:54 pm
Forum: Investing - Theory, News & General
Topic: Should a true BH visit this forum regularly?
Replies: 32
Views: 3196

Re: Should a true BH visit this forum regularly?

I visit the Forum several times per week to read the great posts from knowledgeable members who are generous enough to share their expertise. BH philosophy doesn't require a total "set it & forget it" mindset. If there are changes in facts (such as prevailing tax laws), I'm willing to ...
by patriciamgr2
Mon Mar 30, 2015 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: not able to purchase savings bond with tax refund by efile
Replies: 2
Views: 506

Re: not able to purchase savings bond with tax refund by efi

I used different software to prepare my taxes. FWIW, on mine, initially that field was greyed out, so I just entered bond amount. When I hit enter, an error screen appeared because I hadn't allocated full refund. Then it allowed me to enter bank amount. Maybe that would work on yours too (warning: I...
by patriciamgr2
Sun Mar 29, 2015 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Need some help please with Estate question
Replies: 23
Views: 2457

Re: Need some help please with Estate question

I agree with a number of earlier posts. 1. Whether the loan should have been granted on an unsecured basis, while a separate issue, should be researched ASAP. Gather as much information & documents on that as soon as possible. If the lawyer handling the estate was the lawyer who drafted the loan...
by patriciamgr2
Thu Mar 26, 2015 12:57 pm
Forum: Investing - Theory, News & General
Topic: "TIPS. Love them or leave them?"
Replies: 16
Views: 2077

Re: "TIPS. Love them or leave them?"

Thanks very much for posting this informative M* article. (I was a bit confused by the reference to 65 y o retirees' TIPS allocation in a year "2000" target date portfolio; I decided it must refer to someone retiring today--because the TIPS allocation seems a bit high for someone who retir...
by patriciamgr2
Wed Mar 25, 2015 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Excess Cash - Play Monopoly or Repay Debt?
Replies: 67
Views: 5698

Re: Excess Cash - Play Monopoly or Repay Debt?

i don't know where in texas you're located, but i assume you've factored possible oil company layoffs into your risk assessments. as a banker, you'll know how real estate & banking in your geographic area was impacted by past boom/bust cycles. one wrinkle which surprised some experienced real es...
by patriciamgr2
Thu Mar 19, 2015 8:06 pm
Forum: Personal Consumer Issues
Topic: Anyone dropping Kaspersky computer security?
Replies: 29
Views: 3260

Anyone dropping Kaspersky computer security?

What do Forum members think is the measured way to think about the revelations in today's article in Bloomberg?
http://www.bloomberg.com/news/articles/2015-03-19/cybersecurity-kaspersky-has-close-ties-to-russian-spies

Is anyone who is using the security package thinking of switching?
by patriciamgr2
Tue Mar 17, 2015 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: 529 as a gift
Replies: 4
Views: 512

Re: 529 as a gift

I'd suggest sending your friend info about Joe Hurley's website: http://www.savingforcollege.com (first, run through it yourself for his state, so you can answer questions) plus a fancy IOU promising a check for $X once he sends you the contribution info on the fund HE selects. No reason why you can...
by patriciamgr2
Thu Mar 12, 2015 6:52 pm
Forum: Investing - Theory, News & General
Topic: Mathematical: Am I on track towards my retirement goal?
Replies: 21
Views: 2234

Re: Mathematical: Am I on track towards my retirement goal?

1. Would a Monte Carlo analysis be helpful? I haven't reviewed your calculations, but if I understand your analysis, your portfolio never suffers losses. Sequence of returns is a real factor (admittedly, more important as you get closer to retirement) & recently we've experienced 40%+ equity mar...
by patriciamgr2
Wed Mar 11, 2015 11:39 am
Forum: Investing - Theory, News & General
Topic: Article about Jack Bogle on Bloomberg
Replies: 3
Views: 529

Article about Jack Bogle on Bloomberg

I couldn't see another post about this story: http://www.bloomberg.com/news/articles/2015-03-11/is-there-a-next-jack-bogle-not-if-you-ask-jack-bogle Amusingly, given Mr. Bogle's views on the proliferation of ETFs, the article above it is about S. African ranch owners breeding exotic, bizarre "m...
by patriciamgr2
Mon Mar 09, 2015 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Option Question- SORRY LONG AND DETAILED
Replies: 9
Views: 1791

Re: Retirement Option Question- SORRY LONG AND DETAILED

Thanks, Professor E. Bumping for more feedback for OP.
by patriciamgr2
Sun Mar 08, 2015 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Pls critique my answer to police officer on CO pension
Replies: 0
Views: 342

Pls critique my answer to police officer on CO pension

https://www.bogleheads.org/forum/viewtopic.php?f=2&t=160348 (Retirement Option Question, Sorry Long & Detailed) contains a question from a police officer about an option to enter a Defined Benefit plan. I would be very grateful for critiques of my answer --the one posted today (or just alter...
by patriciamgr2
Sun Mar 08, 2015 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Option Question- SORRY LONG AND DETAILED
Replies: 9
Views: 1791

Re: Retirement Option Question- SORRY LONG AND DETAILED

Congratulations on your commitment to savings. Given how important your pension option decision is I hope you won't rely on forum comments, but instead consider these as framing questions you can ask advisers at FPPA (the govt entity which manages the collective law enforcement & police Defined ...
by patriciamgr2
Sat Mar 07, 2015 3:00 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Option Question- SORRY LONG AND DETAILED
Replies: 9
Views: 1791

Re: Retirement Option Question- SORRY LONG AND DETAILED

Thank you for your service in law enforcement. I haven't had time to research this & am now leaving for the weekend, but I have a few preliminary questions for you to consider: 1. Is the 70% pension payment keyed off your final salary? Does your union's contract allow you opportunities to max sa...
by patriciamgr2
Tue Mar 03, 2015 2:40 am
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 5937

Re: Taylor Larimore Honored

Congratulations! What a great legacy.
by patriciamgr2
Sun Mar 01, 2015 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Legal Fees for Trusts and Wills
Replies: 37
Views: 2812

Irrevocable Trusts for Asset Protection

Not to hijack the thread, but does anyone have experience with setting up an irrevocable, asset protection trust in a state which allows them? Are there any low-cost corporate trustees which would administer such a trust & invest in index funds? Thanks in advance for any insight via Forum or pm.
by patriciamgr2
Tue Feb 24, 2015 5:03 am
Forum: Personal Finance (Not Investing)
Topic: Help with selling and clean out of older relative's home
Replies: 19
Views: 1968

Re: Help with selling and clean out of older relative's home

Only family members who will be disciplined enough not to get sidetracked (eg by looking at photographs) can do the initial sort. One tactic I have used, however, is to hire helpers who can carry filled bags/boxes to the dumpsters/holding areas. I hired two teenagers from a local church group to be ...
by patriciamgr2
Tue Feb 17, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5720

Re: Large Age Gap with Spouse/Partner

This is primarily...
by patriciamgr2
Fri Feb 06, 2015 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Recently widowed sister-in-law's investment confusion
Replies: 8
Views: 834

Re: Recently widowed sister-in-law's investment confusion

Have you tried Morningstar? In my local library system, I can access the premium content through the library's website. Even if you had to register for a trial subscription it might be worth it. They also have tools that analyze overlaps between funds.
by patriciamgr2
Sat Jan 31, 2015 9:08 am
Forum: Personal Consumer Issues
Topic: Trusting and shopping around for doctors
Replies: 32
Views: 2282

Re: Trusting and shopping around for doctors

Not to hijack OP's thread, but I am interested in input from Forum members on what resources to use to research treatment of cataracts. I'm volunteering to help seniors with some medical billing issues & a question arose on how to decide whether to undergo laser-only cataract removal or surgery ...
by patriciamgr2
Fri Jan 30, 2015 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Accidentally forgot a credit card for three months HELP!
Replies: 40
Views: 4231

Re: Accidentally forgot a credit card for three months HELP!

I respectfully disagree with the suggestion of closing this account. Because unused credit limit is an important part of scores, that might hurt your FICO score more. I agree with other posters' suggestions that (1) you contact your credit card company (politely escalate to supervisor) to request th...
by patriciamgr2
Sun Jan 25, 2015 3:19 pm
Forum: Investing - Theory, News & General
Topic: What Experts Say About Various Investing Topics
Replies: 53
Views: 5182

Re: WHAT EXPERTS SAY

Happy Birthday, Taylor! How wonderful (& very much in character) that you celebrate with a gift to us! Best Wishes
by patriciamgr2
Sun Jan 25, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 6409

Re: Time to stop driving for 85 yo MIL

This topic has been addressed on the Forum several times (eg https://www.bogleheads.org/forum/viewtopic.php?f=11&t=136969 ) The OP in that topic followed up on my suggestion that an independent driving evaluation be obtained so that facts could be presented to the driver. In that case, I believe...

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