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Re: Investing for inlaws

hulio82 wrote: Anything else i should be considering that i'm missing before i determine how much to invest?
TIA


Emergency fund.

http://www.bogleheads.org/wiki/Emergency_fund
by user5027
Wed Aug 20, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for inlaws
Replies: 23
Views: 1015

Re: tIRA - Tax deductions

There are income limits and limitations if you and/or your wife are covered by a retirement plan. Go to the IRS website, download the instructions for the 2013 form 1040 and use the IRA worksheet for your situation.
by user5027
Wed Aug 20, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: tIRA - Tax deductions
Replies: 9
Views: 619

Re: Questions about fertilizing and seeding lawn

I've rented a lawn renovator from my local tool rental center. It is gasoline powered, self propelled, walk behind, has a compartment for the grass seed and rotating drum. It slices the turf/soil slightly and spreads the seed. The seed is in contact with the soil.
by user5027
Tue Aug 19, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1518

Re: Choosing and paying an executor

Our wills name spouse then as secondary our two children and then as tertiary my brother for me. My wife has no tertiary named.

When our children were younger the wills at that time named my father as secondary. He has since passed on.
by user5027
Mon Aug 18, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing and paying an executor
Replies: 10
Views: 861

Re: Is the goal in sight? Should I relax?

If Firecalc told you in 14 years you can retire with $100k in income and a 95% chance of $1 million left as an estate after 30 years, would you feel you were well on the way? All this assumes a contribution of $15k a year from here on out until retirement day. Yes, but a lot can happen in 14 years....
by user5027
Thu Aug 14, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the goal in sight? Should I relax?
Replies: 19
Views: 2315

Re: Flood proofing a basement

Build a dike or cofferdam out of concrete or concrete block one step outside the door. The height should match the 6 inches of protection needed at the door.

Maybe not the prettiest solution but I am an engineer.
by user5027
Thu Aug 14, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1818

Re: The Worst Investment You Can Make: Buying a Home

Investing with Bernie Madoff would have been worse.
by user5027
Fri Aug 08, 2014 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 116
Views: 13940

Re: Neighbor's Tree

My neighbor has a huge maple tree on his property that leaves a lot of work for me in the fall. The leaves are quite large and after raking, I can easily fill a dump truck. Is this just a part of having neighbors or should I expect them to prune and make the tree more manageable. How about helping ...
by user5027
Fri Aug 08, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 3021

Re: Neighbor's Tree

Our neighbor (30 years) and I have a running joke. Whenever he sees me raking leaves he yells over "Hey, stop stealing my leaves!" We also joke about who keeps their lawn the shortest (like a glass table top) in the fall so the wind blows the leaves over to the other guys property. All in ...
by user5027
Thu Aug 07, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 3021

Re: Renting a car - what could I have done better?

If I only needed the car to get to downtown I would have taken a taxi for $28.50 plus tip ....

http://www.phl.org/passengerinfo/transp ... /taxi.aspx
by user5027
Mon Aug 04, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting a car - what could I have done better?
Replies: 12
Views: 1108

Re: Investing for those in the 15% tax bracket

Tax deferred accounts and Roth accounts treat cap gains, whether short or long, and dividends, whether qualified or not, the same way. The only difference is whether you are taxed at the beginning (Roth) at tax rate #1 (Roth), or at withdrawal/conversion time at tax rate #2 (deferral). If those two...
by user5027
Mon Aug 04, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Investing for those in the 15% tax bracket
Replies: 38
Views: 2770

Re: Any engineers? Studying for Civil-Structural PE

If you look at the volume of references for all the disciplines taking the exam, the civil structural guys are the ones with the suitcases, not because they are over zealous but because there are that many condes/references covered on the exam. You always new the Saturday the PE exam was being give...
by user5027
Wed Jul 30, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Any engineers? Studying for Civil-Structural PE
Replies: 15
Views: 1125

Re: Purchasing Food at Work

Leftovers from dinner. :moneybag
by user5027
Thu Jul 17, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Purchasing Food at Work
Replies: 41
Views: 4066

Re: "The Incredibly Shrinking Financial System" by Jack Bogl

I was hearing (noise?) the last few days about how the big banks are experiencing lower trading revenues.

Is it possible Mr. Bogle's #1 and #2 are the cause? :?:

To buy and hold. :sharebeer
by user5027
Wed Jul 16, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: "The Incredibly Shrinking Financial System" by Jack Bogle
Replies: 10
Views: 1683

Re: Snake!

I though this thread was going to be about a financial advisor. :oops:
by user5027
Wed Jul 16, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4308

Re: vacation points program

I think that you did the right thing.
by user5027
Mon Jul 14, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: vacation points program
Replies: 18
Views: 1592

Re: Buying a camper

I know families that ended up buying a new rig to pull their new travel trailer - right after they tried to tow it over a mountain pass. My father in 1966 was pulling the boat/trailer with the family station wagon through the hills of western Maryland to Deep Creek Lake for a camping trip. After we...
by user5027
Mon Jul 14, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Buying a camper
Replies: 26
Views: 2661

Re: Sell taxable account to pay down student loans?

parsox wrote: This house will not be our final home as we move every 3 years.


Are you selling and buying every three years? You may want to consider renting. The transaction costs may make renting the wiser choice. I have heard do not buy unless you plan to live there at least 7 years.
by user5027
Mon Jul 14, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell taxable account to pay down student loans?
Replies: 15
Views: 974

Re: "Stocks and shares," different things? "Peter Pan"

I always did a double take when reading about the Brits and their pension schemes. :?
by user5027
Mon Jul 14, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 40
Views: 3235

Re: Is There Need for Plan 'C' (Inverse of Plan B)?

S&P 2500? Bubble?

I'm thinking champagne (bubbles)! :mrgreen:
by user5027
Sun Jul 13, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Is There Need for Plan 'C' (Inverse of Plan B)?
Replies: 12
Views: 1234

Re: Rebalancing Band for an asset class based on volatility

You could use time as a variable. Out of balance x % for y days (weeks or months).
by user5027
Sun Jul 13, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing Band for an asset class based on volatility
Replies: 12
Views: 1212

Re: Short-Term CDs vs Saving Account on Ally

Ally's saving account returns 0.87%. However, its 3-month CD only returns 0.3% APY. Rates of 6-month and 9-month are also lower than 0.87%. Why will anyone use these short-term CDs instead of saving? Am I missing something? Someone that thinks they will drop the savings account to 0.25% tomorrow, w...
by user5027
Sun Jul 13, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Short-Term CDs vs Saving Account on Ally
Replies: 5
Views: 880

Re: Safe withdrawal rate > 4% if no heirs & ok to deplete ca

When I want to bend my potato chips I leave the bag open overnight. 8-)
by user5027
Sun Jul 13, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rate > 4% if no heirs & ok to deplete captl?
Replies: 32
Views: 3150

Re: Safe withdrawal rate > 4% if no heirs & ok to deplete ca

Taking your last breath while spending the last dime is an interesting concept. A concern for me is what will my situation be for say the last 5 years and how much will I need.
by user5027
Sun Jul 13, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rate > 4% if no heirs & ok to deplete captl?
Replies: 32
Views: 3150

Re: Why so afraid to "lose" money?

The theory is stocks could drop 50% or more and take longer than 1-5 years to recover and you will be forced to sell before the recovery.
by user5027
Sat Jul 12, 2014 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: Why so afraid to "lose" money?
Replies: 22
Views: 3347

Re: High end purses

Taylor,

Very touching. Thank you for sharing.

I have to ask, did Pat get the Jag?
by user5027
Sat Jul 12, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 12647

Re: How to prepare for RMDs in an inherited IRA

livesoft wrote:I have dividends set to auto-reinvest and take the RMD by selling shares in January. Then I buy lunch for myself with the money.


I'll have to try that and tell everyone Mom is taking me to lunch. :sharebeer
by user5027
Sat Jul 12, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: How to prepare for RMDs in an inherited IRA
Replies: 3
Views: 470

Re: How to prepare for RMDs in an inherited IRA

I have an inherited roth ira holding one fund. I have the dividends set to reinvest and vanguard automatically sells the shares needed for the rmd every December. They place the rmd in our prime money market fund.
by user5027
Sat Jul 12, 2014 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: How to prepare for RMDs in an inherited IRA
Replies: 3
Views: 470

Re: Can we both collect SS spousal benefits, sequentially?

I just checked out the T Rowe Price social security calculator... I think it gave me some non optimal results... http://individual.troweprice.com/public/Retail/Retirement/Social-Security-Tool?WTAFeaturedResult=Social%20Security I am 62 with pia = $1500 She is 16 months younger with pia = $2000 we a...
by user5027
Fri Jul 11, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we both collect SS spousal benefits, sequentially?
Replies: 13
Views: 1798

Re: Can we both collect SS spousal benefits, sequentially?

I just checked out the T Rowe Price social security calculator... I think it gave me some non optimal results... http://individual.troweprice.com/public/Retail/Retirement/Social-Security-Tool?WTAFeaturedResult=Social%20Security I am 62 with pia = $1500 She is 16 months younger with pia = $2000 we a...
by user5027
Fri Jul 11, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we both collect SS spousal benefits, sequentially?
Replies: 13
Views: 1798

Re: Spouse Benefit - Social Security

There was a recent thread indicating that the TRP calculator has a flaw in its calculations. Unfortunately, I can't remember the details or manage to find the thread at the moment. Perhaps somebody else can provide a link? Is this it? It was never answered. http://www.bogleheads.org/forum/viewtopic...
by user5027
Fri Jul 11, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spouse Benefit - Social Security
Replies: 14
Views: 2061

Re: Spouse Benefit - Social Security

jkirkmd,

Have you tried using the T Rowe Price calculator?

http://individual.troweprice.com/public ... urity-Tool
by user5027
Fri Jul 11, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spouse Benefit - Social Security
Replies: 14
Views: 2061

Re: Vacation Home Fractional Ownership

I have no experience with fractional ownership, but with the posts above, it sounds like a pain in the buttocks. Do you really want to have to go to the vacation house every year? What if you want to go to Utah or Idaho next winter? Or if it has to be this area, why not just rent a place, and let t...
by user5027
Fri Jul 11, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation Home Fractional Ownership
Replies: 15
Views: 1756

Re: Changes to Vanguard Balance and Personal Performance tab

mickeyd wrote:I'm more interested in what my Vanguard portfolio looks like 10 years from now rather that 10 years ago.


Do they have a tab for that? :idea:
by user5027
Thu Jul 10, 2014 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: Changes to Vanguard Balance and Personal Performance tabs
Replies: 18
Views: 2110

Re: Help Finding Top Notch Naples Florida Home Inspector

Hello, I am considering a condo purchase in Naples Florida. I read recently that it is not neccesarily a good idea to use the Home Inspector your real estate agent recommends. Does anyone have a good experience with a Home Inspection Company in the Naples, Florida area that they would feel comforta...
by user5027
Thu Jul 10, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Finding Top Notch Naples Florida Home Inspector
Replies: 4
Views: 570

Re: How I look at $ in the real world vs my retirement accou

My wife has always referred to the retirement funds as "funny money."
by user5027
Thu Jul 10, 2014 7:50 am
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 50
Views: 6997

Re: What if your private residence doesn't meet fire code?

Local codes may and should require permits for alterations. Permit process includes plan review for compliance with code. Is it an egress issue? Hard to tell from what you describe .
by user5027
Mon Jul 07, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: What if your private residence doesn't meet fire code?
Replies: 5
Views: 513

Re: Luggage recommendation

There is no such thing as luggage will last through modern airport handling. Just get what works at the lowest price you can find. I like the Costco stuff previously mentioned. When it finally breaks, and it will, get another. I like Eagle Creek stuff, but it's no better, and costs a lot. +1 We usu...
by user5027
Mon Jul 07, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 36
Views: 2585

Re: Retiring without any Direction

Maybe her entertainment is torturing you. :twisted:
by user5027
Mon Jul 07, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2115

Re: NY Times: Not enough younger investment advisors

Maybe they know...

Bogleheads are to financial advisors as the automobile is to farriers.

You still need some but not nearly as many. :happy
by user5027
Fri Jun 27, 2014 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: NY Times: Not enough younger investment advisors
Replies: 72
Views: 7518

Re: Medical plan and dependent care

I will have a break between jobs (10-15 days). I am pretty sure you can retroactively start Cobra during that period time if you find you need it. Thats awesome! I love this forum! My son was in a similar situation and I suggested he fill out and sign the paperwork and give it to someone to hold in...
by user5027
Thu Jun 26, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical plan and dependent care
Replies: 7
Views: 277

Re: Am I Nuts?

Jack FFR1846 wrote: Our $23,000 addition only cost about $50,000 by the time we were done.


You're lucky. For laughs watch The Money Pit (1986). :twisted:
by user5027
Thu Jun 26, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2760

Re: Medical plan and dependent care

ejvyas wrote:I will have a break between jobs (10-15 days).


I am pretty sure you can retroactively start Cobra during that period time if you find you need it.
by user5027
Thu Jun 26, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medical plan and dependent care
Replies: 7
Views: 277

Re: Paperless Statements (bank checking acct)

This reminds me of a Humor in Uniform tidbit in Reader's Digest many, many years ago. An overseas post near the battle zone was short on storage space for all their documents, so they submitted a request to HQ for authorization to destroy the old paperwork that was no longer needed. HQ granted perm...
by user5027
Thu Jun 26, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3118

Re: Paperless Statements (bank checking acct)

Went paperless and works fine. I use excel as my check register / cash flow projector to year end. I reconcile every time I log on to my checking account/bill payer (every few days). I know the statement cutoff is the 14th. I don't reconcile after that until the statement is issued. When statement i...
by user5027
Thu Jun 26, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3118

Re: Timing new portfolio

8-10 years? I would put it all in NOW.

I faced the same question in January 2013. I am ecstatic I lump summed. :sharebeer
by user5027
Thu Jun 26, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Timing new portfolio
Replies: 7
Views: 493

Re: Am I Nuts?

In my experience a remodel will require permits and permits trigger real estate tax re-appraisal. Be prepared.
by user5027
Thu Jun 26, 2014 8:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2760

Re: Inherited IRA-calculating RMD

I and my two brothers inherited a roth IRA from Mom that she had at Big Name Bank. I transferred my third to Vanguard and Vanguard rep set up RMD for me. It is on auto pilot and happens every 12/15 like clockwork.
by user5027
Wed Jun 25, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA-calculating RMD
Replies: 10
Views: 753

Re: Long-Term Care Insurance? Is it a good idea?

I told our children while they were in college that we were paying tuition instead of buying LTC insurance and when the time comes to turn the wheelchair so the sun is not in my eyes and to wipe the drool off my chin.

I hope they don't forget. :mrgreen:
by user5027
Wed Jun 25, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care Insurance? Is it a good idea?
Replies: 24
Views: 1881

Re: Keeping mold out of bath/shower

You could dry the shower after each use. We have started doing this. Bought a small squeegee with a suction cup storage hook at Bed, Bath and Beyond. Takes two minutes. Squeegee the shower walls after drying off. Then wipe down the walls with the bathroom floor towel before hanging it to dry over t...
by user5027
Wed Jun 25, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 27
Views: 2296
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