Search found 479 matches

by patriciamgr2
Sat Aug 01, 2015 5:50 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 211
Views: 17544

privacy issues with Win 10 default settings

I have read that some Win 10 default settings allow Microsoft (& 3rd parties it selects) access to a lot of my data. Does anyone have a reliable guide to how to change each of these questionable default settings? Thanks in advance for the help. I skimmed this topic, so I apologize in advance if ...
by patriciamgr2
Fri Jul 31, 2015 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC to buy cabin
Replies: 21
Views: 1428

Re: HELOC to buy cabin

Because AirBnB (or similar daily rental) is key to your plan, have you specifically verified that such rentals meet zoning standards in both neighborhoods? I know of several HOAs banning these rentals. All it takes is one determined & annoyed neighbor filing a complaint to interrupt your cash fl...
by patriciamgr2
Thu Jul 30, 2015 4:08 am
Forum: Personal Consumer Issues
Topic: Cowpea weevils took over my pantry
Replies: 9
Views: 1030

Re: Cowpea weevils took over my pantry

Yikes...this is a disturbing situation. [I'd never heard of these pests, but the online description described a pantry beetle with an over-developed femur on one hind leg which sports a single tooth. OMGoodness] http://www.extension.org/pages/63916/how-to-solve-a-current-infestation-of-stored-produc...
by patriciamgr2
Sun Jul 26, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 172
Views: 10632

Re: Would you look down on a co-worker for driving a beater?

I wouldn't lie; if discovered, that makes you look pathetic. When questioned about my previous 14-y o Subaru by Mercedes/BMW-owning peers, I would just say "I want my cash deployed in investments --not in toys." Because of repair issues, I finally broke down and bought a new car. When aske...
by patriciamgr2
Sat Jul 25, 2015 12:28 am
Forum: Personal Finance (Not Investing)
Topic: House sale financial question.
Replies: 22
Views: 1673

Re: House sale financial question.

In re: taxes on real estate gains. I didn't make it clear, but I was referring to the rule that cap gains get excluded on residences only if the seller has resided in the property for certain amount of time. If his basis increased after the quit claim transfer, then presumably there won't be a gain-...
by patriciamgr2
Sat Jul 25, 2015 12:19 am
Forum: Personal Finance (Not Investing)
Topic: House sale financial question.
Replies: 22
Views: 1673

Re: House sale financial question.

It's your brother's decision, but I'd be inclined to take the offer. Looking at this purely from his perspective, if most buyers finance purchases in your area, & if interest rates increase, monthly payments going up could cause buyers to offer less. A vacant house is difficult to sell: especial...
by patriciamgr2
Wed Jul 22, 2015 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: The Good the Bad and the Ugly of real estate
Replies: 79
Views: 10474

Re: The Good the Bad and the Ugly of real estate

I forgot to mention: usually, utility will only charge the big connection fee (& send a worker out) once. Tenant gets charged by the utility for the administrative work on changing the account on move-in & move-out. On the comparison of leveraged real estate returns to unleveraged investment...
by patriciamgr2
Wed Jul 22, 2015 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: The Good the Bad and the Ugly of real estate
Replies: 79
Views: 10474

Re: The Good the Bad and the Ugly of real estate

I'm no longer a LL, but this is what I did in past. Even the best tenant uses more when LL pays utilities. Have tenant pay. Prepare a sheet listing each utility's contact info & provide in your lease that Tenant is responsible for getting utilities in their name prior to move in. [I paid for pes...
by patriciamgr2
Tue Jul 21, 2015 3:01 pm
Forum: Investing - Theory, News & General
Topic: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now
Replies: 20
Views: 3648

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

Topic: Liquidity in the Bond Market Many commentators are voicing concerns about the lack of liquidity in the corporate bond market in particular; do panelists think these concerns are real? If liquidity has decreased, & if interest rate increases prompt larger-than-normal withdrawals, do paneli...
by patriciamgr2
Tue Jul 21, 2015 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 6039

Re: losing money on a house....how do Bogleheads deal with it emotionally?

Allen Smith: DW = Dear Wife; DH=Dear Husband; etc. Elsewhere on the net, it's somewhat snarky. On Forum, I believe it's used sincerely--with possible exception of DMIL (Dear Mother in Law).
by patriciamgr2
Sat Jul 18, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 6039

Re: losing money on a house....how do Bogleheads deal with it emotionally?

1. In my experience, people's happiness is not improved long-term by a change in location (exceptions are (i) commute time & (ii) if the current location is dangerous for spouse or the kids). Moving won't necessarily make someone happy--people pack whatever is making them unsatisfied in one of t...
by patriciamgr2
Thu Jul 16, 2015 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: The Good the Bad and the Ugly of real estate
Replies: 79
Views: 10474

Re: The Good the Bad and the Ugly of real estate

Both flips & landlording are real jobs with real financial risks. Try working a second job for someone else at night before you do a flip--they're hard work. Landlording is easier, except when you have to do evictions. 1. I agree totally that, on flips, you make your money by buying below market...
by patriciamgr2
Tue Jul 14, 2015 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: buying ski condo to use in summer
Replies: 26
Views: 2523

Re: buying ski condo to use in summer

I just want to emphasize a few points made by other posters. 1. A rental you occupy for half of the year is, IMO, less than optimal from a tax perspective: make sure you understand what income you'll be paying tax on; what you can deduct given your income from other sources; how depreciation gets ha...
by patriciamgr2
Fri Jul 10, 2015 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Condo - repair or sell as-is?
Replies: 6
Views: 533

Re: Condo - repair or sell as-is?

My advice: Try to negotiate a few thousand higher with ugly house buyer, but sell ASAP. Finding quality tenants is a chore in many areas. Even under the best of circumstances, being a landlord is a real job. Fixing up for resale also requires time & the cost may exceed your estimate: Do you have...
by patriciamgr2
Fri Jul 10, 2015 12:47 pm
Forum: Investing - Theory, News & General
Topic: look at structured notes
Replies: 16
Views: 1342

Re: look at structured notes

Thanks for posting this article. I always learn something from your writing. I've been pitched structured notes, but declined to buy because, as you note, the costs tend to outweigh any benefits.
by patriciamgr2
Fri Jul 10, 2015 12:53 am
Forum: Investing - Help with Personal Investments
Topic: Pulling equity out of home to invest?
Replies: 71
Views: 4940

Re: Pulling equity out of home to invest?

Really bad idea if the real estate is your residence. The only people I know who advocate this are the individuals earning commissions from whatever investment you're buying. It can be sensible, IMO, to leverage up investment real estate to buy more--especially if the loan is non-recourse to you per...
by patriciamgr2
Fri Jul 10, 2015 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Buying Friend's House - what to do about agent's commission
Replies: 17
Views: 1831

Re: Buying Friend's House - what to do about agent's commission

Be careful involving the realtor in the transaction until you have a signed agreement of what lower fees are due. Your realtor may owe his broker a percentage of any "fee" he collects. I agree with the idea of using an experienced real estate lawyer instead of a realtor assuming you have e...
by patriciamgr2
Thu Jul 09, 2015 10:52 pm
Forum: Personal Consumer Issues
Topic: One car or two in semi-retirement?
Replies: 49
Views: 3361

Re: One car or two in semi-retirement?

practice sharing one of your cars for a month; that experience will answer your question for you. even if you choose to keep 2 cars now, if you don't miss the second car that much, you might decide not to replace the second car when it becomes expensive to repair. FWIW, couples I know who live in ar...
by patriciamgr2
Thu Jul 09, 2015 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Family trust woes
Replies: 34
Views: 3469

Re: Family trust woes

As the saying goes, "You never really know a person until you share an inheritance with him." Before considering litigation, I'd suggest the following. You retain a Trust & Estates lawyer to write a letter to Mom, as Trustee. Letter would outline what needs to happen going forward (Tru...
by patriciamgr2
Tue Jul 07, 2015 11:35 am
Forum: Investing - Theory, News & General
Topic: part two of series on venture capital returns
Replies: 3
Views: 466

Re: part two of series on venture capital returns

Very interesting article, Larry. I was aware of start-ups' preference to be funded by certain VC firms, but I had never thought of that as explaining so much of certain firms' consistent outperformance (while the category as a whole lags). Thanks for posting.
by patriciamgr2
Tue Jul 07, 2015 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Thanks to Forum Administrators
Replies: 16
Views: 1634

Re: Thanks to Forum Administrators

We are all so very grateful for the incredible work done by Forum Administrators. Thank You!
by patriciamgr2
Mon Jul 06, 2015 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: How Can One Add a "Non-Brokered" CD to IRA Accounts?
Replies: 17
Views: 1314

Re: How Can One Add a "Non-Brokered" CD to IRA Accounts?

Other than brokered CDs, it looks like there is not a financial institution (e.g., brokerage, bank, credit union) that accepts CDs originating from another financial institution. Too bad. Seems like a "marketing opportunity" for any financial institution that wants to give real value, and...
by patriciamgr2
Mon Jul 06, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: Eating Out
Replies: 57
Views: 6866

Re: Eating Out

When I was "power saving" for early retirement, I occasionally used the following psychological exercise to determine if spending $X on something per year in the aggregate was worthwhile. 1. How many hours did I have to work to generate the after-tax cost of the indulgence? 2. Using just a...
by patriciamgr2
Sun Jul 05, 2015 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: How Can One Add a "Non-Brokered" CD to IRA Accounts?
Replies: 17
Views: 1314

Re: How Can One Add a "Non-Brokered" CD to IRA Accounts?

Alan S: I can't identify the specific article to which you were referring in the link you provided. Would you summarize why Vanguard's platform can't be used to link to bank-offered CDs? [I haven't been able to follow up on this myself yet, but I thought JP Morgan was offering its clients a service ...
by patriciamgr2
Sat Jul 04, 2015 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Inspection Question
Replies: 18
Views: 2179

Re: Real Estate Inspection Question

In connection with the thoughtful comments on my earlier suggestions: 1. Requiring an Additional Deposit (& designating it as part of Earnest Money Deposit by checking that box) within a few days after acceptance invariably prompts buyer to get the home inspection resolved quickly. That's a good...
by patriciamgr2
Thu Jul 02, 2015 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Inspection Question
Replies: 18
Views: 2179

Re: Real Estate Inspection Question

I would like to respectfully disagree with the idea of listing a non-estate property "as is". While common in REO or in estate sales (the decedent being the person who is in the best position to know of defects), IMO, it would send up a huge "red flag" in the real estate markets ...
by patriciamgr2
Tue Jun 30, 2015 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Inspection Question
Replies: 18
Views: 2179

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: 895

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: 12855

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: 4942

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: 16
Views: 1574

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: 3855

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: 2873

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: 2122

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: 2754

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: 2754

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: 1872

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: 24
Views: 3609

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: 1297

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: 20
Views: 3648

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: 20
Views: 3648

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: 638

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: 3482

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: 3482

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: 20
Views: 3648

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: 2098

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: 6577

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: 3482

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...

Go to advanced search