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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 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: 1177

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
Wed Apr 08, 2015 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Should We Start Taking Social Security Out?
Replies: 10
Views: 944

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
Tue Apr 07, 2015 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Rental flooring decision
Replies: 34
Views: 2747

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
Mon Apr 06, 2015 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Rental flooring decision
Replies: 34
Views: 2747

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 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 1995

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
Sun Apr 05, 2015 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting in Retirement - Considerations?
Replies: 53
Views: 4080

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
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: 6274

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
Tue Mar 31, 2015 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: Should a true BH visit this forum regularly?
Replies: 32
Views: 3010

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
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: 476

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
Sun Mar 29, 2015 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need some help please with Estate question
Replies: 23
Views: 2368

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
Thu Mar 26, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: "TIPS. Love them or leave them?"
Replies: 16
Views: 2000

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
Wed Mar 25, 2015 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Excess Cash - Play Monopoly or Repay Debt?
Replies: 67
Views: 5282

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
Thu Mar 19, 2015 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Anyone dropping Kaspersky computer security?
Replies: 29
Views: 3094

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
Tue Mar 17, 2015 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 as a gift
Replies: 4
Views: 480

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
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: 2105

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
Wed Mar 11, 2015 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Article about Jack Bogle on Bloomberg
Replies: 3
Views: 515

Re: Retirement Option Question- SORRY LONG AND DETAILED

Thanks, Professor E. Bumping for more feedback for OP.
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: 1722

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 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pls critique my answer to police officer on CO pension
Replies: 0
Views: 333

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
Sun Mar 08, 2015 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Option Question- SORRY LONG AND DETAILED
Replies: 9
Views: 1722

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
Sat Mar 07, 2015 3:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Option Question- SORRY LONG AND DETAILED
Replies: 9
Views: 1722

Re: Taylor Larimore Honored

Congratulations! What a great legacy.
by patriciamgr2
Tue Mar 03, 2015 2:40 am
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 5349

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
Sun Mar 01, 2015 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Legal Fees for Trusts and Wills
Replies: 37
Views: 2666

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 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: 1895

Re: Large Age Gap with Spouse/Partner

This is primarily...
by patriciamgr2
Tue Feb 17, 2015 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5444

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
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: 809

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
Sat Jan 31, 2015 9:08 am
 
Forum: Personal Consumer Issues
Topic: Trusting and shopping around for doctors
Replies: 32
Views: 2220

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
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: 4089

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 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 52
Views: 4171

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...
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: 6073

Has anyone sold cash-secured equity puts in a Vgd IRA?

A Flagship phone rep said writing equity puts wasn't allowed, but the rationale was that margin wasn't allowed inside an IRA . What I find confusing is that writing cash-secured puts usually doesn't rely on margin--there's a segregated cash account instead. Do any Forum members have experience on th...
by patriciamgr2
Thu Jan 22, 2015 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Has anyone sold cash-secured equity puts in a Vgd IRA?
Replies: 0
Views: 145

Re: Real Value of Nest Egg

Vanguard just released a blog entry on the 4% rule. http://vanguardadvisorsblog.com/2015/01/05/the-4-spending-rule-20-years-later/ The Vanguard estimates seem higher than others I've seen, although they are using an 85% success rate. I believe several recent studies on the 4% rule (including the wor...
by patriciamgr2
Mon Jan 05, 2015 11:21 pm
 
Forum: Investing - Theory, News & General
Topic: Real Value of Nest Egg
Replies: 24
Views: 1964

Re: Do you keep manuals/packaging for products you buy?

If you plan to move, it's helpful to keep all original packing materials for fragile items (e.g. electronics).
by patriciamgr2
Mon Jan 05, 2015 12:44 am
 
Forum: Personal Consumer Issues
Topic: Do you keep manuals/packaging for products you buy?
Replies: 34
Views: 2101

Re: Rental Property Pros/Cons

Hiring a property manager is really unlikely to solve all of your problems--unless you have a personal relationship w/ someone. In a small town, managers may know obvious troublemakers--in an urban or suburban setting, they'll be relying on same services you will use to vet tenants. Also, prop manag...
by patriciamgr2
Fri Jan 02, 2015 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 53
Views: 5329

Re: 31 years old, just sold my business, early semi-retireme

Bumping this for comments on the new portfolio proposed by OP. (I'm travelling, so I can't review the suggested portfolio for tax efficiency & other considerations). In general, I suggest that newer investors (who've experienced great returns recently) project what their portfolio's loss would h...
by patriciamgr2
Tue Dec 30, 2014 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: 31 years old, just sold my business, early semi-retirement?
Replies: 39
Views: 6104

Re: 25 y/o Active Military Seeking Portfolio Advice

Thank you so much for your service! I am impressed with the excellent job you have done so far. +1 on the advice Laura & other posters provided above on maxing out tax-advantaged savings. I don't have information on Calpers' status, but I am sure other Bogleheads can point you to an online forum...
by patriciamgr2
Fri Dec 26, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 y/o Active Military Seeking Portfolio Advice
Replies: 17
Views: 1868

Re: 31 years old, just sold my business, early semi-retireme

I haven't had time to review your entire portfolio. You could have 60+ years in retirement. I encourage you to use a Monte Carlo type calculator (see Wiki for details). Your sustainable withdrawal rate is likely to be below 1.9% of your portfolio value each year (adjusted for inflation). I want to a...
by patriciamgr2
Tue Dec 23, 2014 2:31 am
 
Forum: Investing - Help with Personal Investments
Topic: 31 years old, just sold my business, early semi-retirement?
Replies: 39
Views: 6104

Re: Who should pay for this meal?

Please, please don't wait until after the meal to discuss this issue. It is not acceptable to surprise a couple on a budget with a bill--especially if, in the past, you've treated them. What if they are tapped out on discretionary funds (given 3 teenagers at Christmas)? A friendship could end if the...
by patriciamgr2
Mon Dec 22, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 79
Views: 8140

Re: Major Life Decision -- Do we need to keep working?

deleted by poster - i hadn't seen OP's response when I posted. Good Luck1
by patriciamgr2
Sat Dec 20, 2014 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Major Life Decision -- Do we need to keep working?
Replies: 50
Views: 5262

Re: White Coat Investor in Forbes

Well deserved recognition for the doctor's great website! I'm also grateful for his helpful posts here on the Forum. Congratulations to EmergDoc & family.
by patriciamgr2
Mon Dec 15, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: White Coat Investor in Forbes
Replies: 37
Views: 6528

Re: Humidifiers?

http://www.consumerreports.org/cro/news/2014/11/the-best-humidifiers-for-combating-dry-winter-air/index.htm

CR liked Vicks V5100NS ($50) for medium rooms. No matter what you buy, cleaning the unit daily & replacing filters often is absolutely key.
by patriciamgr2
Sun Dec 14, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Humidifiers?
Replies: 14
Views: 1055

Re: Nearing Retirement, have I forgot anything

Will you get retiree medical until eligible for Medicare? If not, have you found an acceptable ACA plan & included those costs in your financial plan ? Also, you might want to check with employer--there may be remote opportunities that they can identify (assuming you still want to work). Why not...
by patriciamgr2
Sun Dec 14, 2014 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nearing Retirement, have I forgot anything
Replies: 10
Views: 1450

Re: Toddlers first flight

......
by patriciamgr2
Wed Dec 10, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Toddlers first flight
Replies: 30
Views: 2036

Re: Taylor--thank you!!

Add my voice to the choir! Thank you so very much.
by patriciamgr2
Wed Dec 10, 2014 12:25 am
 
Forum: Investing - Theory, News & General
Topic: Taylor--thank you!!
Replies: 9
Views: 1168

Re: New HTTPS security bug, Vanguard servers vulnerable

To Kenyan & others reporting log-in attempts thwarted by 2FA: would you please let us know if you're using an aggregation service (quicken, mint, etc). If not, we all need to be concerned. My userid is random letters & digits (which I do recall changing online but maybe they've changed that)...
by patriciamgr2
Wed Dec 10, 2014 12:09 am
 
Forum: Investing - Theory, News & General
Topic: New HTTPS security bug, Vanguard servers vulnerable[Patched]
Replies: 39
Views: 4624

Re: MLP ETFs

I'm not an expert like some of the other posters, but I have concerns about the cost (after-tax) of AMLP. Because of the reserves needed to reflect its taxation as a corporation (which PS Honore commented upon) this investment has lagged the index of its underlying MLPs by about 8% over a long perio...
by patriciamgr2
Sat Dec 06, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: MLP ETFs
Replies: 14
Views: 1427

Re: Suddenly Retired, do I have enough?

To increase your comfort level, you might run scenarios such as the following. 1. stocks take a tumble & stay low for several years (eg Japan). [You have described your excellent "stay the course" record. Personally, however, my risk tolerance decreased when I was withdrawing funds (an...
by patriciamgr2
Sat Dec 06, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suddenly Retired, do I have enough?
Replies: 42
Views: 7099

Re: I'm scared - online hacking

I think this fits in with OP's concern although it relates more to data stored on a device rather than account data being accessed using a computer. Q on Truecrypt: when I last reviewed that, the founders advised everyone to switch to Microsoft product (bitlocker?) because the founders could no long...
by patriciamgr2
Wed Dec 03, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: I'm scared - online hacking
Replies: 44
Views: 5281

Re: [woke up] and whole life has changed. [disabled vet]

First, thank you so much for your service. I'm impressed with how much you've saved & how determined you are to succeed. Second, I'd suggest running numbers on the real estate venture including expenses. I'm not familiar with the current interest rates and necessary income qualification for VA l...
by patriciamgr2
Mon Dec 01, 2014 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: [woke up] and whole life has changed. [disabled vet]
Replies: 26
Views: 6917

Re: My Health care monthly premiums doubled after ACA

The astronomical premium increases at BCBS are not limited to ACA plans. I have a grandfathered (non-ACA) individual PPO plan which had about 40% increase (a close friend in Illinois had over 43% increase). Grandfathered plans have the same lousy terms they always had (mine has a $2K deductible, for...
by patriciamgr2
Mon Nov 24, 2014 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 5590
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