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Re: How to wrap my head around downsizing my home?

I have NEVER heard of a place in private where they did not offer standard of care treatment options. If it is in NCCN I am surprised if it wasn't offered everywhere outside of small community hospitals. Good luck. Phlebotomies, aspirin, and hydroxyurea ARE the standard of care and have been for 20...
by plnelson
Fri Oct 17, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

Re: How to wrap my head around downsizing my home?

If you have other reasons to move I would say go for it, because of the OTHER reasons NOT because of your condition. The treatment needed can be had anywhere and don't think it makes much difference where it is had especially with your diagnosis. That hasn't been true in my experience. All the subu...
by plnelson
Fri Oct 17, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

Re: How to wrap my head around downsizing my home?

Before I make any changes I would sincerely ask your hematologist if ANY of these changes are even warranted (sorry did not see if you mentioned this previously). My hem/onc estimates that if I keep my counts well controlled my risk of a thrombotic event is about 2X an age-matched control. This is ...
by plnelson
Fri Oct 17, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

Re: How to wrap my head around downsizing my home?

Back Bay besides the costs also has very uneven sidewalks and is probably not such a good area for someone anticipating mobility issues. Back Bay has another interesting issue. Boston is at much higher risk of earthquakes than most people think. We get 3's around here every few years but a 6 or mor...
by plnelson
Fri Oct 17, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

Re: Move slowly

Paul, 1. Take your time. 2. Do lots of research and expect much of it to be useless. 3. Consider another city/state. ,dave 1. My tentative decision date in Spring 2016 2. Right now I'm trying to identify good tools and resources for the research. 3. All my friends live in the Boston area. Research ...
by plnelson
Fri Oct 17, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

Re: How to wrap my head around downsizing my home?

Moving itself is all about planning and logistics. Thanks! I totally agree that I won't find perfection - everything is a tradeoff. I want to do my planning as systematically and methodically as possible because there's no rush and I'm good at projects (I'm an engineer with years of experience runn...
by plnelson
Fri Oct 17, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

Re: How to wrap my head around downsizing my home?

You said "Almost all my friends live in the city." This seems the logical place to start. Talk to them about their neighborhoods and what they'd recommend. My overriding question since my original post is what kinds of resources exist to help me do this efficiently and systematically? The...
by plnelson
Fri Oct 17, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

Re: How to wrap my head around downsizing my home?

I live in one of the communities you mention, just north of the Charles and on the red line. Single family stock in Somerville and Cambridge, especially within 3/4 mile of a T stop, is quite expensive - often about 1.5x or more per square foot even compared two families - because supply is so limit...
by plnelson
Thu Oct 16, 2014 12:22 am
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

Re: How to wrap my head around downsizing my home?

[quote="WhyNotUs"] [url]If you can narrow to a couple neighborhoods of Boston, minimum bd/ba, Max. price, proximity priorities, accessibility needs, and any special interests you have (large modern kitchen, higher ceilings for artwork, etc.) , then just type up a list and take it to a meet...
by plnelson
Thu Oct 16, 2014 12:14 am
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

Re: How to wrap my head around downsizing my home?

We made the move to downtown from the far out suburbs several years ago. PLEASE rent first, before buying. Once you are in the city, you'll learn what is most important to you. It is a big lifestyle change, something we love. Condos have all the issues you've heard about, and then some. We rented f...
by plnelson
Wed Oct 15, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

Re: How to wrap my head around downsizing my home?

Since your current house is paid for, maybe you could consider renting for a while. This would literally allow you to "try before you buy". You might not even need to put your house on the market until you find a place where you'd like to settle down. Assuming you have the funds to afford...
by plnelson
Wed Oct 15, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

Re: How to wrap my head around downsizing my home?

And just being physically closer to a hospital downtown that is a stroke center, may not get you there quicker for treatment (nor does it mean you get better treatment). I'm not concerned about emergency treatment, and yes, I have one of those little buttons. Regarding hospitals I'm concerned about...
by plnelson
Wed Oct 15, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

Re: How to wrap my head around downsizing my home?

It sounds like you don't really want to move? Do you think you need to be closer to medical care, or is this a financial decision? Or did you just move up the "aging-in-place" decision by a decade or two? It sounds like, from your post, that you love this house and it's set up, so how abo...
by plnelson
Wed Oct 15, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

How to wrap my head around downsizing my home?

I live 35 miles NW of Boston in a large, very private, contemporary, open-concept 2 floor house on 1.5 acres, surrounded by forest. I was recently diagnosed with a form of cancer that increases my risk of stroke so, at 60, I'm looking to move closer to the city into a single-floor place with handica...
by plnelson
Wed Oct 15, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3542

Re: Now what? - Lost check to IRS

... given this, for an Estimated Tax Payment, i would give them a few more weeks to clear the check. Thanks. But since this means my original payment is late should I mail them a new one right now? In the future, you can pay your Estimated Tax Payments directly to the IRS from your checking account...
by plnelson
Mon Oct 13, 2014 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Now what? - Lost check to IRS
Replies: 9
Views: 1162

Now what? - Lost check to IRS

Back in September I mailed estimated tax payments to the IRS and to my state (MA) DOR. I sent them both by certified mail (that's where the post office puts a tracking number on each letter). I do this every quarter using pre-printed envelopes to minimize any risk of getting the address wrong. A few...
by plnelson
Mon Oct 13, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Now what? - Lost check to IRS
Replies: 9
Views: 1162

Update

Today I saw the oncological hematologist at my local community hospital and it was very frustrating. He said my JAK2 mutation level was high enough (and my EPO level low enough) for a very confident diagnosis but not too high in the grand scheme of things (whatever that means). I asked how well the ...
by plnelson
Wed Sep 10, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6337

Re: Rather macabre but necessary question

Even then, the test is hardly more effective than a coin toss. http://www.nytimes.com/2010/03/10/opinion/10Ablin.html My father died of prostate cancer and I've had two (negative) biopsies and I get a DRE and PSA every year and my take on the PSA is similarly skeptical - with one exception: Many pa...
by plnelson
Tue Sep 09, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6337

Social Security

Several people have suggested taking SS early and I don't understand that. With the savings I have I could sustain a pretty high burn rate for quite a while without touching SS. Furthermore lots of my savings is not in IRA/401K, which means I can withdraw it and stay in a 0-tax bracket for the first...
by plnelson
Tue Sep 09, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6337

Re: Rather macabre but necessary question

Best wishes to you for a long and healthy life. I would suggest that you start collecting social security retirement benefits as soon as you are eligible (age 62). See, I was thinking just the opposite. My thinking was to delay SS as long as possible. By doing that I could use it as possible insura...
by plnelson
Tue Sep 09, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6337

Re: Rather macabre but necessary question

What do you currently spend/year? If are happy today living on $50,000/year, I don't see and issue of ramping up the bun rate to $150,000/year for the next 7 years and spending about half of have saved thus far. You asked more about spending/burn rate, knowing what you need today will help. Earlier...
by plnelson
Tue Sep 09, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6337

Re: Rather macabre but necessary question

I'm sorry to hear about your illness and admire you greatly for already planning new adventures. I'm not certain what you mean about how to think about "stuff like this financially." Do you mean immediate retirement, financing your travel, or costs of medical treatment, or house sale, por...
by plnelson
Tue Sep 09, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6337

Re: Rather macabre but necessary question

Consider a cruise to Antarctica. A cruise to Antarctica is absolutely on my "bucket list", but for purposes of this question I'd like to stick to the financial planning aspects of this. It's true that, as another poster observed, I can't rule out a miracle cure after I've blown through my...
by plnelson
Tue Sep 09, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6337

Rather macabre but necessary question

I'm 61 and still working (for the moment) and I recently received some grim medical news. I have polythycemia vera, a condition where your bone marrow produces an extreme excess of red blood cells. It's incurable and invariably fatal although with treatment it can be held in abeyance for some years....
by plnelson
Tue Sep 09, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6337

Re: Can I buy insurance against bank failure?

Access Multi-Million-Dollar FDIC Insurance CDARS® – the Certificate of Deposit Account Registry Service® – is the most convenient way to access FDIC insurance on multi-million-dollar CD deposits and to earn CD-level rates, which often compare favorably to Treasuries and money market mutual funds. M...
by plnelson
Thu Jul 24, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I buy insurance against bank failure?
Replies: 12
Views: 1044

Can I buy insurance against bank failure?

OK, this is a weird question but here's the deal: I have lots of money in CD's and finding good CD deals is hard and I'm very particular about what I'm looking for. It would also simplify my life if I can deal with as few institutions as possible. The problem is that I'm forced to spread my CD holdi...
by plnelson
Thu Jul 24, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I buy insurance against bank failure?
Replies: 12
Views: 1044

How do I find bump-up/raise-your-rate" IRA CDs?

I have a pile of retirement (tax-deferred) cash that I want to put into 2-5 year CD's ladder-wise. But because rates are low and may go up during that time I'd like to put them into CD's that have an option to raise your rate if rates go up. For example Ally Bank offer 2-year CD's where you can rais...
by plnelson
Thu Jul 24, 2014 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: How do I find bump-up/raise-your-rate" IRA CDs?
Replies: 0
Views: 160

Re: Choosing brokered CD's- what should I look at?

By contrast, a brokered CD is like a bond in terms of interest-rate risk, and large bid/ask spreads make it worse (compared to treasuries). The value of your CD could drop by much more than 1% if rates rise much in the near future I've never bought a CD through a broker before so this could be an i...
by plnelson
Fri Jul 11, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing brokered CD's- what should I look at?
Replies: 17
Views: 1702

Re: Choosing brokered CD's- what should I look at?

I am sure that you are aware that expectations are already built into current rates, so that timing your purchase is just as likely to backfire. I'm talking about the second-derivative. I'm aware the current rates reflect current expectations. I'm expecting that it's the expectations that will go u...
by plnelson
Fri Jul 11, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing brokered CD's- what should I look at?
Replies: 17
Views: 1702

Re: Choosing brokered CD's- what should I look at?

You don't liquidate assets to convert to Roth. Perhaps what you mean is that you want to be sure the CD is divisible for conversion purposes. I believe that is the case for brokered CDs. I wasn't going to buy one CD. There's about $200K in this pile of cash, so I thought I would maybe buy five $40K...
by plnelson
Fri Jul 11, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Choosing brokered CD's- what should I look at?
Replies: 17
Views: 1702

Re: Choosing brokered CD's- what should I look at?

I have a bunch of five year CDs at credit unions. . . . Thanks, but my PS was just background information. My QUESTION is on what basis should I select between different brokered CD's? Since they're all FDIC insured the main differentiator seems to be interest rate for a given term. Also, if it hel...
by plnelson
Thu Jul 10, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing brokered CD's- what should I look at?
Replies: 17
Views: 1702

Choosing brokered CD's- what should I look at?

As a consequence of inheriting some of my late wife's IRA's I find myself with a couple hundred thousand dollars in my Fidelity IRA brokerage account - in cash, specifically their money market fund, which essentially pays no interest. This money has a short time horizon - I expect to retire next yea...
by plnelson
Thu Jul 10, 2014 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing brokered CD's- what should I look at?
Replies: 17
Views: 1702

Re: Found an old deposit receipt for my late wife . . .

Second, even though you did not move and were not difficult to locate, a notice might have been missed - and the funds were "escheated" to the state (state law applies in matters of "escheatment" or "abandoned property", even for a federal credit union). Since, as I un...
by plnelson
Tue Jun 24, 2014 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found an old deposit receipt for my late wife . . .
Replies: 27
Views: 3832

Re: Found an old deposit receipt for my late wife . . .

State law usually says if they cannot touch base with an account holder for X years, then the money escheats to the state. States now maintain web sites to look up money that they have from these places. Did you check those web sites? Google "unclaimed property" and you will get links. I ...
by plnelson
Mon Jun 23, 2014 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found an old deposit receipt for my late wife . . .
Replies: 27
Views: 3832

Re: Found an old deposit receipt for my late wife . . .

Her Social Security number be a better search term at those businesses, but if she was a careful person, she would have transferred the accounts. If she was no longer receiving annual statements, I doubt that the accounts are still open. When money is involved most people do submit a forwarding add...
by plnelson
Mon Jun 23, 2014 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found an old deposit receipt for my late wife . . .
Replies: 27
Views: 3832

Found an old deposit receipt for my late wife . . .

My wife passed away two years ago and I'm the executor and sole beneficiary of her will, and as I was going through some of her papers I found an old form 2315 for the Hewlett Packard Family Federal Credit Union for an IRA contribution in the amount of $2000. It's dated April 14, 1992 and says that ...
by plnelson
Mon Jun 23, 2014 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Found an old deposit receipt for my late wife . . .
Replies: 27
Views: 3832

Re: Solo Roth 401(k) + Keogh

Use an individual 401(k). I can't quite parse this. Fidelity calls their product a Keogh, Vanguard calls theirs a "Solo" 401(k), so I'm not sure which one you mean by "individual". Vanguard's has a Roth option Fidelity doesn't. Total for you is $52K, including up to $17.5K in Ro...
by plnelson
Mon May 26, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Solo Roth 401(k) + Keogh
Replies: 26
Views: 1286

Re: Solo Roth 401(k) + Keogh

OK, I think I understand better. You want to: 1) contribute max to retirement accounts 2) shift money into Roth accounts 3) get the most tax deductions while balancing the desire to shift money into Roth. Correct. Keep in mind that money can be put into Roth via contributions or conversions. IMO, t...
by plnelson
Mon May 26, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Solo Roth 401(k) + Keogh
Replies: 26
Views: 1286

Re: Solo Roth 401(k) + Keogh

It sounds like my big mistake was to go with Fidelity in the first place, since they don't have a Roth: let this be an object lesson for other Bogleheads. No, Roth 401k is not a good option for you if you are unwilling to give up the tax deduction. If you contribute 23K to Roth 401k, you're giving ...
by plnelson
Sat May 24, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo Roth 401(k) + Keogh
Replies: 26
Views: 1286

Re: Solo Roth 401(k) + Keogh

pnelson, if you have to wait a couple of years to transfer your Fidelity SE 401k to Vanguard I401k, you can approximate a Roth 401k contribution in your Fidelity plan if you have IRA assets say in a Rollover IRA or other pre-tax account: 1) Contribute 23K Traditional employee salary deferral to Fid...
by plnelson
Sat May 24, 2014 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Solo Roth 401(k) + Keogh
Replies: 26
Views: 1286

Re: Solo Roth 401(k) + Keogh

The two year rule is for an ongoing plan. You can't distribute employer contributed funds or roll them over until those dollars have been in the plan for 2 years, assuming a plan even allows for this. But there's no problem with the current situation. It sounds like you want to 'restate' the Fideli...
by plnelson
Fri May 23, 2014 11:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo Roth 401(k) + Keogh
Replies: 26
Views: 1286

Re: Solo Roth 401(k) + Keogh

pnelson, if you have to wait a couple of years to transfer your Fidelity SE 401k to Vanguard I401k, you can approximate a Roth 401k contribution in your Fidelity plan if you have IRA assets say in a Rollover IRA or other pre-tax account: 1) Contribute 23K Traditional employee salary deferral to Fid...
by plnelson
Fri May 23, 2014 11:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo Roth 401(k) + Keogh
Replies: 26
Views: 1286

Re: Multiple Plans are fine under the Code & Regs,

Note that even if a plan is as liberal as the distribution rules allow, rollovers out of the new plan can't be done sooner than 2 years for the employer funds and age 59 1/2 for the employee contributed funds. Yikes!! So how does that work in practice?! Vanguard told me I could transfer my Fidelity...
by plnelson
Fri May 23, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo Roth 401(k) + Keogh
Replies: 26
Views: 1286

Re: Solo Roth 401(k) + Keogh

I believe the employee was correct. Any employer including the self-employed can only have one 401k plan at a time. You are probably confusing the fact that an employee can participate in more than one plan with the employee deferral limit shared amongst the plans. . Yes, this is also what Vanguard...
by plnelson
Fri May 23, 2014 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo Roth 401(k) + Keogh
Replies: 26
Views: 1286

Re: Solo Roth 401(k) + Keogh

My Fidelity Self Employed 401k is called a Profit Sharing Keogh when I logon to fidelity's web site. I don't think you can use two 401k plans (1 at Fidelity and another at Vanguard) simultaneously. I think you would need to keep what you have or switch to a different plan all together. I don't know...
by plnelson
Mon May 19, 2014 1:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Solo Roth 401(k) + Keogh
Replies: 26
Views: 1286

Solo Roth 401(k) + Keogh

I'm self-employed as a software engineer. I currently have a profit-sharing Keogh with Fidelity and in the last tax year I contributed the maximum I was allowed including the "catch-up" + additional profit sharing money for a total of $30k. This year I'd like to open up a Roth 401(k). Fide...
by plnelson
Sun May 18, 2014 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo Roth 401(k) + Keogh
Replies: 26
Views: 1286

Employer profit sharing rules on a Keough?

I'm a self-employed software contractor and last year I set up a profit sharing Keough with Fidelity at the beginning of 2013. I'm 61 so I'm eligible for the "catch up" provision for my own contributions $17.5K + $5.5K = $23K, so I did that. But I'm unclear on the profit sharing contributi...
by plnelson
Wed Apr 09, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer profit sharing rules on a Keough?
Replies: 1
Views: 154

Re: We're not in an Equity Bubble

Is anyone positive about state of the U.S. economy and economic growth? Everyone seems to be forecasting low real GDP growth, like 2% p.a. I am an outlier and extremely positive about the U.S. economy over the next decade and have been for a couple years. The strength the economy has shown so far c...
by plnelson
Wed Nov 20, 2013 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: We're not in an Equity Bubble
Replies: 61
Views: 6983

Re: who here is tempted to pullback on stocks?

I know that bogleheads do not time the market. This thread isn't for you, or the "stay the course" comments. I know that, i get that, and I live that. My question is simply - if you are tempted to take profits and shift some to cash, are you going to do it or are you going to resist? I am...
by plnelson
Wed Nov 20, 2013 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: who here is tempted to pullback on stocks?
Replies: 104
Views: 8328

Re: Screening Questions . . . [What companies sell this info

This thread is now in the Personal Consumer Issues forum (personal info). I retitled the thread. The other question: Screening Questions . . . [Who compiles this information?] Maybe it's because you moved what was obviously an investment-related thread ( " Are there any "pure plays" ...
by plnelson
Wed Nov 20, 2013 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Screening Questions . . . [What companies sell this info?]
Replies: 3
Views: 317
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