Search found 452 matches

by patriciamgr2
Tue Jun 30, 2015 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Inspection Question
Replies: 5
Views: 295

Re: Real Estate Inspection Question

Read your real estate sales contract--(i) does it contain a provision that requires buyer to furnish a copy of the inspection report; (ii) are there any limits on the amount you are obligated to spend to remedy any problems? Buyers can lose their earnest money (is it significant $ amt?) if they are ...
by patriciamgr2
Sat Jun 27, 2015 2:37 am
Forum: Personal Consumer Issues
Topic: Moving costs
Replies: 5
Views: 830

Re: Moving costs

This topic has been discussed a number of times on the Forum. For example, https://www.bogleheads.org/forum/viewtopic.php?t=164707#p2473785 . If you use the search box in the upper right hand corner, you should be able to pull up most of these discussions. One point I want to emphasize: downsizing (...
by patriciamgr2
Sat Jun 27, 2015 1:22 am
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 12059

Re: BH way...

this was discussed earlier in June. One thread here: https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=2&cad=rja&uact=8&ved=0CCUQFjAB&url=https%3A%2F%2Fwww.bogleheads.org%2Fforum%2Fviewtopic.php%3Ft%3D167208&ei=j0COVaLSM8-eoQTxn6m4Ag&usg=AFQjCN...
by patriciamgr2
Tue Jun 23, 2015 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Landlording Tips
Replies: 33
Views: 4555

Re: Landlording Tips

I no longer have rental properties, but I agree that professional management is overrated. Picking the correct tenants & then retaining them is the key to success--I think a motivated owner is able to do this best. In response to another poster's comment, I would want to keep control of decision...
by patriciamgr2
Tue Jun 23, 2015 1:15 am
Forum: Personal Consumer Issues
Topic: Wedding dress in Hawaii
Replies: 14
Views: 1225

Re: Wedding dress in Hawaii

I'd suggest a call from whomever is planning the wedding (the bride?) to the concierge at the venue. I've been at 2 weddings at fancy hotels on Maui; no one wore a dinner jacket. For one, the groom & groomsmen wore white shirts, no tie, sleeves rolled up; for the other, they wore pale-coloured s...
by patriciamgr2
Tue Jun 23, 2015 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Ask me anything - Mortgages
Replies: 29
Views: 3725

Re: Ask me anything - Mortgages

Thanks so much for offering your expertise. I'm sure many questions will be directed your way. Thanks!
by patriciamgr2
Mon Jun 22, 2015 8:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday to Mel [Lindauer]
Replies: 36
Views: 2233

Re: Happy Birthday to Mel

I'm not as talented at singing as Kathleen, but let me chime in with best wishes & heartfelt thanks for all you do for the Forum!
by patriciamgr2
Mon Jun 22, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Use Roth IRA to remodel house?
Replies: 18
Views: 2007

Re: Use Roth IRA to remodel house?

I agree with other posters: please don't use your Roth money to remodel. Roth capacity for each year is a valuable "use it or lose it" item--you won't get a chance to do make-up contributions to the Roth account once the remodel is complete. On remodeling, I want to make a few general poin...
by patriciamgr2
Wed Jun 17, 2015 5:52 pm
Forum: Personal Consumer Issues
Topic: Tips/Advice for Negotiating w/ Auto Dealerships
Replies: 18
Views: 2549

Re: Tips/Advice for Negotiating w/ Auto Dealerships

One key point for buying a used car: you MUST have it inspected by a reliable, independent auto mechanic. No guarantee that all defects will be found, but if you read online car forums for the make, model & year you're looking at, certain problems pop up for cars at semi-predictable intervals. T...
by patriciamgr2
Wed Jun 17, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Tips/Advice for Negotiating w/ Auto Dealerships
Replies: 18
Views: 2549

Re: Tips/Advice for Negotiating w/ Auto Dealerships

This topic has been discussed a number of times. For example, https://www.bogleheads.org/forum/viewtopic.php?t=124638#p1826365 . Whenever you have a question on the Forum, try using the google search function first: "buying a car" will turn up a long list of threads. Good Luck
by patriciamgr2
Tue Jun 16, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Possible cross-road
Replies: 14
Views: 1765

Re: Possible cross-road

I'd strongly suggest a "dry run"--take an extended 3-4 week vacation & "live" near your parents. Objectively assess: (i) do they benefit from your hands-on involvement; (ii) is what you're good at providing what they really want & need. For example, have you worked with d...
by patriciamgr2
Wed Jun 10, 2015 8:14 pm
Forum: Personal Consumer Issues
Topic: Banff & Jasper with 1.5-yr old daughter.
Replies: 23
Views: 3204

Re: Banff & Jasper with 1.5-yr old daughter.

Jasper was my favorite place of these three. Each time I was there (a few years back now, so YMMV) Banff was overrun with groups of tourists & the big hotel we stayed in @Lake Louise seemed stuffy to me (& we weren't traveling w/ toddler). I adored Jasper: one of the loveliest places on eart...
by patriciamgr2
Tue Jun 09, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Healthcare before Medicare choices ?
Replies: 8
Views: 1193

Re: Retiree Healthcare before Medicare choices ?

I also suggest ehealthinsurance.com for non-ACA plans. In my state, unless you're using a high-deductible (eg $5000 ) plan or you want a particular kind of PPO, the non-Obamacare plans aren't better value IMO. Before Obamacare, two nasty characteristics of individual health insurance policies were t...
by patriciamgr2
Tue Jun 09, 2015 8:40 pm
Forum: Investing - Theory, News & General
Topic: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now
Replies: 11
Views: 1911

Re: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now

MSCI is reported to be deferring inclusion of yuan-denominated Chinese mainland stocks (A shares) in its indexes until Chinese regulators meet regulatory concerns. Are Vanguard investors being well-served by addition of these stocks to certain Vanguard funds/ETFs now? (Mr. Sauter & any other pan...
by patriciamgr2
Fri Jun 05, 2015 2:01 pm
Forum: Investing - Theory, News & General
Topic: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now
Replies: 11
Views: 1911

Re: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now

Victoria: your posts always make me smile! I agree that, even if some interloper whose last name begins with "A" joins the panel, Ms. Christine Benz is still prima Alpha. Back to questions for Ed's consideration: 1. Newcomers to the Forum (in particular) always want investments which meet ...
by patriciamgr2
Thu Jun 04, 2015 2:52 pm
Forum: Investing - Theory, News & General
Topic: blog on study on active mgt in "inefficient" market
Replies: 6
Views: 607

Re: blog on study on active mgt in "inefficient" market

Larry Swedroe: Thanks for another thought-provoking post. i appreciate you taking the time to share this information with us; I always look forward to your posts.
by patriciamgr2
Thu Jun 04, 2015 10:19 am
Forum: Personal Finance (Not Investing)
Topic: ACA and retiring before 65
Replies: 28
Views: 3372

Re: ACA and retiring before 65

For disclosure purposes, I note that I do not receive any subsidy because I've kept my pre-ACA "grandfathered" individual policy.
by patriciamgr2
Thu Jun 04, 2015 9:55 am
Forum: Personal Finance (Not Investing)
Topic: ACA and retiring before 65
Replies: 28
Views: 3372

Re: ACA and retiring before 65

I was not referring directly to the King v. Burwell case (although one possible decision there could throw subsidies in jeopardy & thereby create uncertainty). While trying to avoid violating this Forum's sensible policies about discussing pending legislation, I was referring to existing efforts...
by patriciamgr2
Wed Jun 03, 2015 11:45 pm
Forum: Investing - Theory, News & General
Topic: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now
Replies: 11
Views: 1911

Re: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now

Question for Mr. Sauter, Mr. Ferri & other panelists: Vanguard has introduced Total International Taxable Bond funds/ETFs, which are currency hedged. How do hedged international bonds fit into a retirement portfolio? Follow-Up question for Dr. Bernstein: In the past, I believe you've rejected in...
by patriciamgr2
Wed Jun 03, 2015 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs for Retired Air Force (without degree)
Replies: 27
Views: 1978

Re: Jobs for Retired Air Force (without degree)

sorry i'm late w/ response. The March 2014 issue of VFW print magazine had an article by Jerry Chandler entitled "Breaking Barriers: Translating Battlefield Medical Skills into Civilian Jobs" (i don't have online URL, try searching http://www.vfw.org ) Lots of good info in article. Marylan...
by patriciamgr2
Tue Jun 02, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6136

Re: Which grocery stores do you shop at and why?

I forgot to mention: although non-Bogleheadish, I splurge by buying my seafood from Vital Choice in Alaska. Salmon is my major protein source &, while pricey, I love their product. Together with my ag co-op veggies, this represents my positive lifestyle creep (to echo Oblivious Investor's recent...
by patriciamgr2
Tue Jun 02, 2015 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: ACA and retiring before 65
Replies: 28
Views: 3372

Re: ACA and retiring before 65

I want to add my strong agreement to an earlier poster's comment: a key benefit to ACA is the ability to get health insurance in the first place. People who weren't forced to navigate the personal health insurance market pre-ACA don't realize how really horrifying things were. In my state, BCBS deni...
by patriciamgr2
Mon Jun 01, 2015 9:50 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6136

Re: Which grocery stores do you shop at and why?

Our local WalMart introduced Savings Catcher, where they refund (on an e-card) the difference between their prices & published sales at competitors--there are some exclusions.

I also shop at Amazon, WinCo & Trader Joe's & buy produce through a co-op.
by patriciamgr2
Mon Jun 01, 2015 9:41 am
Forum: Personal Consumer Issues
Topic: Selling A House Via Auction
Replies: 20
Views: 1424

Re: Selling A House Via Auction

1. Auctions (at least the ones with which I am familiar) are most effective for (a) unloading one-of-a-kind, expensive properties; (b) foreclosures or REOs which buyers expect to buy below resale price; or (c) groups of investment properties. I personally would never consider an auction for a home l...
by patriciamgr2
Sun May 31, 2015 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Early/Earlier/Earliest Retirement?
Replies: 30
Views: 4891

Re: Early/Earlier/Earliest Retirement?

BFG: 1. Because of a deal I signed when my last employer recruited me, I received an air travel pass which alllowed me free, positive space (ie not stand-by) travel for several years. As a result, my major cost of wandering around was covered. It also allowed me to fly to my base periodically to dea...
by patriciamgr2
Thu May 28, 2015 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: All cash now ($1M) - need advice on entering this lofty market
Replies: 96
Views: 9829

Re: All cash now ($1M) - need advice on entering this lofty market

1. Ways to address the emotional issues surrounding lump sum investing were addressed by a recent Vanguard blog posting: http://vanguardadvisorsblog.com/2015/05/26/sailing-into-the-wind/ 2. While it's true that published studies support lump sum investments, I note the following. (A) the Goldman stu...
by patriciamgr2
Thu May 28, 2015 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Early/Earlier/Earliest Retirement?
Replies: 30
Views: 4891

Re: Early/Earlier/Earliest Retirement?

I took early retirement in my early 40's. I traveled for the first few years w/o any permanent base. Best decision of my life. I think you need to firm up your plans & run scenarios (pre-travel & post travel) before you'll feel comfortable enough to retire. I "practiced" being reti...
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: 38
Views: 3180

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: 38
Views: 3180

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: 30
Views: 1914

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: 529

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: 346

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: 885

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: 885

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: 5049

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: 2023

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: 2023

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: 2034

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: 1326

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: 1326

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: 1326

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: 988

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: 1819

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: 855

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: 26
Views: 2445

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: 6363

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: 768

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: 1321

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: 1068

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

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