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Re: ObamaCare vs. Private Insurance??

In response to Magellan's comments above correctly noting that it is now illegal to discriminate against persons because of health conditions: please note that this provision is part of ACA.
by patriciamgr2
Sat Nov 08, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 8544

Re: ObamaCare vs. Private Insurance??

If ACA is repealed, the rights people with pre-existing conditions now have to be issued a policy presumably will also disappear. Before ACA, in my state, even the slightest medical issue would cause insurers to refuse to issue a policy. But, once a policy was issued, insurers couldn't terminate it ...
by patriciamgr2
Sat Nov 08, 2014 4:09 am
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 8544

Re: Donee Unable to Accept Stock

Charity gets a check. I think that the reason many small charities are nervous receiving stock is that, because their boards don't meet that often, the office staff has to make decisions on selling the stock (when?/limit or market order?/etc.) We on the Forum know that none of that is a big deal--bu...
by patriciamgr2
Mon Oct 27, 2014 6:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Donee Unable to Accept Stock
Replies: 22
Views: 1958

Re: Donee Unable to Accept Stock

P.S. Other Forum members may want to weigh in on the handwritten will and your tax planning--I didn't review those issues.
by patriciamgr2
Mon Oct 27, 2014 5:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Donee Unable to Accept Stock
Replies: 22
Views: 1958

Re: Donee Unable to Accept Stock

I'm not sure I understand the point about "losing control of where the money goes". Vanguard and Fidelity each have charitable gift funds that I use (at one time, Fidelity had a lower minimum donation threshold). Each of the funds has honored all of my grant requests and has not issued any...
by patriciamgr2
Mon Oct 27, 2014 5:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Donee Unable to Accept Stock
Replies: 22
Views: 1958

Re: The SWR on Real Estate Investments

Notwithstanding the above, I am in favor of a diversified real estate portfolio being part of a person's retirement portfolio IF they are handy, or have access to reliable handyman services.
by patriciamgr2
Wed Oct 15, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: The SWR on Real Estate Investments
Replies: 61
Views: 2586

Re: The SWR on Real Estate Investments

I think the fallacy in SWR thinking is that, once in a while, those maintenance/vacancy expenses refuse to limit themselves to your reserves, so that you are required to infuse cash. In my case, after many years of properties which (due to proactive, preventive maintenance & excellent tenants), ...
by patriciamgr2
Wed Oct 15, 2014 9:01 am
 
Forum: Investing - Theory, News & General
Topic: The SWR on Real Estate Investments
Replies: 61
Views: 2586

Re: New kitchen cabinets or new doors?

If you stay in your house 5-10 years, your "new" cabinets will be old then too. It's unlikely that replacing them now will improve resale value that far in the future. Also, once you replace cabinets, you will likely need to replace flooring, & inevitably, everything else will look old...
by patriciamgr2
Wed Sep 24, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: New kitchen cabinets or new doors?
Replies: 28
Views: 1906

Re: Rental Property - Still a Good Investment?

Technovelist: I came to much the same conclusion based on current market conditions in my area. Money was made during the recent recovery, but in many areas that easy money is gone. IMO, a decision to keep a property should be made on the same basis as buying that property today. Often, small landlo...
by patriciamgr2
Wed Sep 24, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Still a Good Investment?
Replies: 31
Views: 3728

Re: Rental Property - Still a Good Investment?

primary concern = lawsuits for any injuries to your tenant or others associated with the property. The umbrella policy would drop down to cover amounts in excess of the liability section of your homeowner's policy--both policies should specifically reference the rental unit. (I also carried flood in...
by patriciamgr2
Wed Sep 24, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Still a Good Investment?
Replies: 31
Views: 3728

Re: Rental Property - Still a Good Investment?

Please consider checking with your tax preparer on what depreciation will be recovered when you sell. In some circumstances (I don't know enough about yours to know if this would apply to you), your basis is decreased by allowable depreciation (ie whether or not you were able to deduct it). Fairmark...
by patriciamgr2
Tue Sep 23, 2014 12:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Still a Good Investment?
Replies: 31
Views: 3728

Re: What's the Market Neutral fund good for?

Grok: Looking forward to your extended post on addressing stagflation. Because you've turned away from size and value factors, I assume that you're not using momentum, low volatility, etc. either. In the interim, would you mind sharing how you constructed your liability-matching "floor" of...
by patriciamgr2
Sun Aug 31, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's the Market Neutral fund good for?
Replies: 47
Views: 5886

Re: Death of family member - what to do financially

https://www.acli.com/Consumers/Life%20Insurance/Pages/Missing%20Policy%20Tips.aspx contains some information on finding lost insurance policies. You need to locate the will and any trust documents. contact the local county offices (start with Recorder of Deeds) to determine how the small estate adm...
by patriciamgr2
Tue Aug 26, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of family member - what to do financially
Replies: 26
Views: 3291

Re: What is your experience managing a 8 or 9 digit portfoli

My advice is second-hand from a small sample of HNW investors who switched from trust companies or large investment houses (Goldman, ML, etc.) to managing all or part of their assets on their own. You need an expert tax adviser, lawyer (for estate and asset protection advice) and a good accountant. ...
by patriciamgr2
Mon Aug 25, 2014 2:09 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your experience managing a 8 or 9 digit portfolio
Replies: 11
Views: 2322

Re: Quote from a mover: Please comment

Good Luck on the Move! I'd like to respectfully suggest that you "test run" the plan to move your small, 30L plastic bins full of books/papers before committing to that. You seem like such a fascinating person, so I can only imagine how precious your books & papers are. [I'm sure you'v...
by patriciamgr2
Mon Aug 25, 2014 12:39 am
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 46
Views: 4017

Re: Pressure Cookers?

OP: you asked about flavor. One of the advantages, IMO, to a stovetop pressure cooker (vs. slow cooker) is that you can use the same pot to (1) brown protein; and (2) saute aromatics (like onions & garlic) & also bloom spices (dry or in a scant amount of oil), before the main cooking begins....
by patriciamgr2
Mon Aug 18, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Pressure Cookers?
Replies: 46
Views: 3442

Re: Carrara Marble - Large Orange Stain

http://www.marble-institute.com/consumers/stains.cfm you will need to make a guess (from the shape, color and location of the stain) as to what caused it. I'd suggest contacting a local stoneyard to determine if they have any suggestions on cleaning services. If you go DIY, realize that several app...
by patriciamgr2
Mon Aug 18, 2014 7:11 pm
 
Forum: Personal Consumer Issues
Topic: Carrara Marble - Large Orange Stain
Replies: 13
Views: 1366

Re: How to ensure military members don't get ripped off

Thanks for the responses. I have contacted my own senators & representatives, and I plan to call the Senate and House Armed Services Committees tomorrow. I have contacted the same folks in the past to complain about for-profit colleges targeting young people separating from the military and even...
by patriciamgr2
Tue Aug 12, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: How to ensure military members don't get ripped off
Replies: 71
Views: 4747

How to ensure military members don't get ripped off

I was disturbed by an article on Bloomberg.com this morning http://www.bloomberg.com/news/2014-08-12/brokers-lure-soldiers-out-of-low-fee-federal-retirement-plan.html I wanted to post this on the Forum to ask if there's anything ordinary citizens can do to ensure this message is conveyed to members ...
by patriciamgr2
Tue Aug 12, 2014 9:11 am
 
Forum: Investing - Theory, News & General
Topic: How to ensure military members don't get ripped off
Replies: 71
Views: 4747

Re: Wills, Spouses, Prenups, etc.

Posters on a forum like this should not, IMO, provide their own opinions but then characterize them as legal conclusions. Many people on this Forum have strong emotional responses to spouses getting assets & they may be confusing their opinions with the law. [Some of us may also have strong resp...
by patriciamgr2
Mon Aug 11, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Wills, Spouses, Prenups, etc.
Replies: 67
Views: 4012

Re: REITS-worth the time to add 10% into portfolio

In response to the OP's question in his second post: Vanguard's REIT index covers publicly-traded , equity REITs. Privately-traded REITs are touted by some advisers & have issues about valuations & fees (there are a number of threads on this topic); I would avoid those. Equity REITs are a se...
by patriciamgr2
Tue Aug 05, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: REITS-worth the time to add 10% into portfolio
Replies: 33
Views: 2754

Re: Advice: Remodel of kitchen, bath, and basement?

1. You asked about a remodeling contract. You need a contract specific to your state; your state & county contractor licensing agency will have forms for you to review and you can find them online. You can compare your GC's contract with those. Be sure to be as specific as possible--down to the ...
by patriciamgr2
Tue Aug 05, 2014 1:28 am
 
Forum: Personal Consumer Issues
Topic: Advice: Remodel of kitchen, bath, and basement?
Replies: 30
Views: 1604

Re: The Bogleheads Blog is updated

Congratulations to you (& the others who work so hard on this Forum) on what you've accomplished. I wish there was a way of counting how much benefit to investors has been provided by this Forum and the Wiki! That number would approach infinity. Thanks!
by patriciamgr2
Sun Aug 03, 2014 10:12 am
 
Forum: Local Chapters and Bogleheads Community
Topic: The Bogleheads Blog is updated
Replies: 2
Views: 937

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 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 3153

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 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 3153

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 10:46 am
 
Forum: Personal Consumer Issues
Topic: Auto Accident/Insurance/Repair Question
Replies: 37
Views: 2166

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 9:26 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 6225

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
Fri Jun 27, 2014 11:25 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 8672

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 1:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard offer money wire option toward a title company
Replies: 17
Views: 975

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 1:49 am
 
Forum: Investing - Theory, News & General
Topic: Recorded Q&A with Rick Ferri and the RTP Bogleheads
Replies: 25
Views: 3281

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
Tue Jun 24, 2014 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: Investment Withdrawals - Behavioral Aspect
Replies: 14
Views: 984

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 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: There's a spreadsheet for that
Replies: 8
Views: 1169

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 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 8807

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 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving 1.5 bedrooms 400 miles
Replies: 19
Views: 1135

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 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rental Property
Replies: 5
Views: 731

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 7:26 am
 
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY, 2014
Replies: 17
Views: 2261

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 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband just lost job
Replies: 60
Views: 6772

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 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Break is over (Yep, a SS question)
Replies: 37
Views: 2839

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 11:05 am
 
Forum: Investing - Theory, News & General
Topic: We won best paper from S&P SPIVA worldwide!
Replies: 39
Views: 3449

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 12:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Poor Planning Parents
Replies: 28
Views: 3457

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 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Competent family member's impulsivity- ?irreversible SPIA
Replies: 15
Views: 1705

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 2:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Help to make decision take monthly annuity or lump sum
Replies: 27
Views: 1864

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 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 28 yo looking to switch from active to passive [military]
Replies: 10
Views: 2124

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 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: 28 yo looking to switch from active to passive [military]
Replies: 10
Views: 2124

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 1:02 am
 
Forum: Personal Finance (Not Investing)
Topic: In-law Suite
Replies: 19
Views: 2019

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 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: selling/buying house question
Replies: 6
Views: 907

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 1:49 am
 
Forum: Personal Finance (Not Investing)
Topic: selling/buying house question
Replies: 6
Views: 907

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 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Alternative to a car
Replies: 36
Views: 3472

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 12:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Wasting money on rent or buy in California
Replies: 20
Views: 2622

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 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Military guy looking for investment advice.
Replies: 10
Views: 824
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