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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: 836

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: 836

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: 34
Views: 2223

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: 2252

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: 704

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: 77
Views: 5177

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: 3850

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: 658

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: 1908

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: 34
Views: 2223

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: 34
Views: 2223

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: 16459

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: 731

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: 16459

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: 731

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: 381

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: 1866

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: 1014

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: 1014

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: 293

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: 1134

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: 118
Views: 12100

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: 2294

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: 10
Views: 757

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: 10
Views: 757

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: 4340

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: 2274

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: 1057

Re: What to do when a parent's money runs out?

I know that OP's situation is being resolved. I didn't notice this thread when it was posted earlier, & I wanted to add one point in case other Bogleheads are facing similar situations with their loved ones. Before someone takes a reverse mortgage, IMO it is crucial that an evaluation be done fo...
by patriciamgr2
Tue Feb 11, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 135
Views: 15224

Re: ALERT from Vanguard

Taylor: thanks so much for posting.
by patriciamgr2
Tue Feb 11, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: ALERT from Vanguard [e-mail Scam]
Replies: 13
Views: 2513

Re: $10+ M, age 49, seeking wisdom regarding retirement

As a happy early retiree myself, I heartily endorse choosing free time. I have never regretted my decision & I retired even earlier than you. One important caveat: you need to be honest with yourself about how much of your self-image is tied up with your workplace accomplishments. Nothing is sad...
by patriciamgr2
Fri Feb 07, 2014 3:30 am
 
Forum: Personal Finance (Not Investing)
Topic: $10+ M, age 49, seeking wisdom regarding retirement
Replies: 58
Views: 7106

Re: Pay attention to tax efficiency, it's important

Larry: I find your posts extremely informative. (I couldn't find a way to limit my "alerts" from them to your posts and any others relevant to Boglehead-style investing. ) Thanks for posting on this board, so I am reminded to check SA.
by patriciamgr2
Fri Jan 31, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: Pay attention to tax efficiency, it's important
Replies: 18
Views: 2492

Re: Most expensive health insurance & no doctors accept it?

In my state, the state-specific website allows for (1) checking doc's by specialty and hospitals by area to determine which insurance plans they accept. I then (2) verified that info with the individual insurer's website (look for " participating in network provider" list) & with an in...
by patriciamgr2
Mon Jan 27, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Need help finding health insurance in CA]
Replies: 54
Views: 1952

Re: How to crash the financial plane gently?

I am so sorry that your family is facing this difficult situation. 1. reasonable people may disagree on who is responsible for some of these sequestration impacts on the military & defense contractors--but your family isn't responsible. I sensed in your post that you were almost blaming yourself...
by patriciamgr2
Sat Jan 25, 2014 3:36 am
 
Forum: Personal Finance (Not Investing)
Topic: How to crash the financial plane gently?
Replies: 11
Views: 1626

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday! Congratulations on a life well lived; so many of us have gained from your wisdom. Please accept our best wishes for many more joyous birthdays. Regards, Patricia
by patriciamgr2
Fri Jan 24, 2014 4:59 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12671

Re: "A Thanksgiving Day with Jack Bogle"

Taylor & Mel: I'm sure I speak for many Bogleheads when I say that, in my family, we are thankful to Jack Bogle, you two, and all of the moderators, Wiki contributors & the talented forum participants who contribute their expertise to help all of us. This Forum has made a significant differe...
by patriciamgr2
Thu Nov 28, 2013 1:33 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: "A Thanksgiving Day with Jack Bogle"
Replies: 13
Views: 1421

Re: Pls help on utah health insurance companies

I want an insurer that (1) pays physicians promptly & whose "reasonable charges" standards are fair for the area; (2) doesn't have lots of coverage "gotcha's" (claims often denied because physician is covered, but not at that facility, etc.); and (3) has decent customer servi...
by patriciamgr2
Thu Nov 14, 2013 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pls help on utah health insurance companies
Replies: 3
Views: 223

Pls help on utah health insurance companies

I'm helping someone who wants to buy health insurance from the federal marketplace (for individuals); person resides in Wash County (Southern) Utah. Does anyone have experience with Arches Co-Op, Select Health or Altius. I've heard of Altius, which is a Coventry company, now owned by Aetna. [Regence...
by patriciamgr2
Thu Nov 14, 2013 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pls help on utah health insurance companies
Replies: 3
Views: 223

Re: REITS vs. primary residence and/or rental units

1. REITs tend to hold commercial real estate. During much of my investing life, commercial real estate returns were often uncorrelated with residential real estate markets--which themselves vary a great deal depending on your local conditions. So, a REIT position wouldn't necessarily duplicate your ...
by patriciamgr2
Wed Nov 06, 2013 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: REITS vs. primary residence and/or rental units
Replies: 14
Views: 1550

Re: BOGLEHEADS 12 VIDEOS

Thank you so much to everyone who made these videos (and the BH12 conference itself) possible! We are so grateful to you for your hard work.
by patriciamgr2
Mon Nov 04, 2013 3:02 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 VIDEOS
Replies: 60
Views: 7409

Re: a look at managed futures

Thanks for posting this excellent article; your responses to questions were also very helpful.
by patriciamgr2
Wed Oct 30, 2013 9:12 am
 
Forum: Investing - Theory, News & General
Topic: a look at managed futures
Replies: 17
Views: 1275

Re: [Kicking the Bucket Strategy]

Many thanks to Mr. Otar for posting this article & contributing to this Forum. His book on the Retirement Myth has been very influential in planning by early retirees I know (including me).
by patriciamgr2
Mon Oct 28, 2013 3:38 am
 
Forum: Investing - Theory, News & General
Topic: [Kicking the Bucket Strategy]
Replies: 56
Views: 5903

Re: Bogleheads' "Rags to Riches" Stories

I was the youngest of 6 children born to Irish immigrants; Da began his career digging ditches for the local utility & eventually became a supervisor; SAHMother took in sewing & ironing to pay for religious elementary school for kids. We lived in a tough, inner-city neighborhood with lots of...
by patriciamgr2
Mon Oct 28, 2013 1:24 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads' "Rags to Riches" Stories
Replies: 107
Views: 14133

Re: Smart beta equals factor tilts

Thanks for posting this interesting article, Larry!

How would you suggest that a low-cost, tax-efficient portfolio be constructed to take advantage of factor tilts; what ETFs/funds would an investor use? Thanks in advance.
by patriciamgr2
Mon Oct 21, 2013 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Smart beta equals factor tilts
Replies: 93
Views: 4486

Re: windfall incoming.clarify the 101 plz (noob bashing wooo

Over the next 2 years, you have time to develop an investment policy and decide on an asset allocation (see the Wiki for an excellent discussion on these topics). I'd suggest an extremely conservative allocation for the amount of money which would generate an annual, after tax income of 3x your curr...
by patriciamgr2
Mon Oct 14, 2013 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: windfall incoming.clarify the 101 plz (noob bashing wooo!)
Replies: 35
Views: 3806

Re: Social security at 62 vs 70

this may be off-topic, and I'm certainly not an expert on Social Security, but I just wanted to remind married folks to consider increasing lifetime Social Security benefits by investigating the following strategies: (1) "claim and switch" (e.g. lower earning spouse starts own benefits at ...
by patriciamgr2
Mon Oct 14, 2013 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Social security at 62 vs 70
Replies: 22
Views: 1709

Re: David Weekley homes - Building New Home / Negotiation

My experience with subdivision purchases (vs. buying an individual home from a builder) is that a builder at your price point may be unlikely to negotiate on price of a single home (because they want the sold prices reported online to be as close as possible to list), but typically you can negotiate...
by patriciamgr2
Mon Oct 14, 2013 6:12 pm
 
Forum: Personal Consumer Issues
Topic: David Weekley homes - Building New Home / Negotiation
Replies: 14
Views: 1416

Meaning of "Time Segmentation"; Wade Pfau's recent interview

I was curious about the definition of "time segmentation" as used in a recent interview by Wade Pfau ["Wade Pfau on Why You Should Rethink Savings Rates, Withdrawal Rates, and SPIAs. in October 2013 issue of Journal of Financial Planning]. From the context, it appears that it refers t...
by patriciamgr2
Thu Oct 03, 2013 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: Meaning of "Time Segmentation"; Wade Pfau's recent interview
Replies: 5
Views: 619

Re: rising rates bad for REITS?

Larry: Thanks for the informative posts!
by patriciamgr2
Fri Sep 27, 2013 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: rising rates bad for REITS?
Replies: 19
Views: 2132
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