Search found 220 matches

by Church Lady
Thu Apr 20, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: When does it make sense to start paying down (or off) a low rate mortgage?
Replies: 43
Views: 3199

Re: When does it make sense to start paying down (or off) a low rate mortgage?

I will probably carry my 3% mortgage into retirement -- about ten years to pay off if I let the mortgage it run its course. The after tax rate is a little more than 2%. If I felt I couldn't beat a 2% after tax return on my savings/investments, it would be time to pay off the mortgage. That's a prett...
by Church Lady
Wed Apr 19, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Adult child lack of availability at tax time.
Replies: 24
Views: 1790

Re: Adult child lack of availability at tax time.

If it is the 1099's you have received, remember it is possible he simply looked up the 1099 information online and has already filed on his own.
by Church Lady
Wed Apr 19, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: Transfer to Fidelity for Sign on Bonus?
Replies: 22
Views: 1759

Re: Transfer to Fidelity for Sign on Bonus?

Just be careful to read the fine print. Here is a sample offer (this may or may not be to your offer): This offer is valid for new or existing Fidelity customers. In order to receive the cash bonus, you must designate an existing eligible Fidelity brokerage IRA or brokerage account or open and fund ...
by Church Lady
Tue Apr 18, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes- okay to just drop in the mail today??
Replies: 29
Views: 2983

Re: Taxes- okay to just drop in the mail today??

Accountants are notorious for finishing up at the last minute. I have two siblings running their own businesses, and they complain EVERY YEAR about procrastinating accountants. The trouble with leaving your return in your letter box for the post(wo)man to pick up is that anyone on the street has acc...
by Church Lady
Fri Apr 14, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Where to find business appropriate clothing [womens small sizes]
Replies: 8
Views: 775

Re: Where to find business appropriate clothing [womens small sizes]

Could you tell us which stores would look good to you if only the sizes were appropriate? 'Big' is pretty vague. Could you fix it with a professional alteration? For example, take in a waistline? Do you know a seamstress who can copy a garment you like? You could try web sites that market to Asian w...
by Church Lady
Tue Apr 11, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for my divorced mother (not sure to sell/not sell house)
Replies: 32
Views: 2277

Re: Advice for my divorced mother (not sure to sell/not sell house)

$12,574 (mortgage); Property Tax ($12,857); HO Insurance ($3,900); Cable (3360); Oil ($4,482); Electric ($2,299); Water/Sewer ($786); Phone ($720); Cleaning of property ($2,400); Advertising of property ($520); Storage rental ($1560); Snow & Lawn ($1945); Trash ($920); Maintenance ($1,900); My ...
by Church Lady
Tue Apr 11, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: That second Visa card
Replies: 25
Views: 1839

That second Visa card

This forum has suggested it would be wise to get a second general purpose credit card. That way, I wouldn't be stuck without a credit card should something happen to my one and only general purpose card, a Visa card sponsored by my Credit Union. I went to bankrate.com to see what was on offer. Visa ...
by Church Lady
Fri Apr 07, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 6821

Re: Secretly entered two comma club

Congratulations, Easy Rhino, Personally, I don't count home equity for anything in my personal family balance sheet. I can't get it easily. It is stuck money. It can also evaporate, should the housing market collapse. Besides, I have to live somewhere, so if I sell this house I need to buy or rent ...
by Church Lady
Wed Apr 05, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 1981

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

Thanks, everybody, for all your insights. I am grateful for all your comments! I will definitely go with insured persons. I have to price everything out to decide if my stuff is worth moving or not, or whether I would save money by tossing/donating all my stuff and replacing it at my destination. Bu...
by Church Lady
Tue Apr 04, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 2651

Re: Buying House with Odor (not cigarette)

"It makes that person's breathing feel slightly tight" - how in the world could anyone consider buying this house?

+1
by Church Lady
Tue Apr 04, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Tax question: Converting Single Stocks in Taxable account to Index Funds
Replies: 9
Views: 701

Re: Tax question: Converting Single Stocks in Taxable account to Index Funds

Part 1: Basis Fidelity has always tracked basis of each of my stocks in my taxable account for me, even before it was required by law. Log into your account and look at your positions. If they show 'total gain/loss' and have 'tax lots', you're good. Fidelity has been tracking your basis. If it were ...
by Church Lady
Tue Apr 04, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 1981

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

In my younger, stronger days with access to a variety of trucks, I would never entertain moving anything of value myself or with friends. Hiring insured movers is the only way to go. (Unless you have a bunch of knocked around junk.) Good point. Are you referring to full service movers, or persons h...
by Church Lady
Tue Apr 04, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 1981

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

I thank those persons who suggested tossing/donating everything rather than moving. Of course, this is an option, and I have thought about it. Certain things I would feel obliged to replace at the destination. My thought is to get moving estimates and compare that to the cost of toss/donate/buy new ...
by Church Lady
Tue Apr 04, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 1981

Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

Given that I am unable and unwilling to tote furniture down 2 flights of stairs, what's the most economical way to move from one state to another? I do not feel comfortable asking my friends to carry heavy stuff down 2 flights of stairs, so that's out. We're not up to it, believe me! Of course there...
by Church Lady
Tue Apr 04, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 5549

Re: Early retirees - how did you inform your loved ones and friends?

Wow, my experience has been very different. My family has been nagging me to retire, and giving me "advice" about it. It looks like it will happen for me in 2017. I see no reason to keep it secret from my family. I'm more worried about telling my colleagues. I have told my boss, and I have...
by Church Lady
Mon Apr 03, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 6868

Re: Is anyone decreasing % of bonds this year?

OP, I am approaching the distribution (spending) phase. I use short durations and my 401K stable value fund for my bond allocation. If stocks go 'on sale', I'd probably sell some fixed income to buy stocks.
by Church Lady
Thu Mar 30, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 143
Views: 7943

Re: When do you plan to die?

For planning purposes, I've always used 100. It is a nice, round number, and quite a few planners only go to 100 (or 99, which I figure is close enough).

Not that I expect to live to age 100.
by Church Lady
Wed Mar 29, 2017 5:00 pm
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 78
Views: 4713

Re: anyone factor in future inheritance?

Certainly not. It's too morbid to consider.
by Church Lady
Wed Mar 29, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 102
Views: 4073

Re: What's your personal criteria for deciding whether or not to rent a car?

On long road trips, we always rent and buy insurance at the rental counter. I'm not sure why that tradition got started; probably due to someone's old, undependable vehicle. It does have its advantages. - It is obvious what each person's share of the cost is. We have no interest in quibbling over wh...
by Church Lady
Tue Mar 28, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Chores for elementary school age kids?
Replies: 18
Views: 1299

Re: Chores for elementary school age kids?

- They are not too young for hand washing and drying dishes, cleaning the sink. It was routine for me by age eight. If only everything could go into the dw! - I was ironing flat, easy items in the first grade! Your kids can, too! - They are not too young to start cleaning the bathroom. - Dusting all...
by Church Lady
Tue Mar 21, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18155

Re: gratuitous homeownership items

My house had a fish pond which was great fun for a couple years. I didn't mind caring for it, but maintaining a fish pond is an art unsuited to persons with full time jobs. It started looking like something from a horror movie! It's gone now, and I won't be getting another one. I use my full size ov...
by Church Lady
Mon Mar 20, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 12606

Re: Paying $20 to E-File State Return

Since I've used regular mail, I don't have any proof of anything.


So send it 'return receipt requested'. It costs less than $3 to do so.
by Church Lady
Sun Mar 19, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Valspar mix Reserve and Optimus
Replies: 2
Views: 247

Valspar mix Reserve and Optimus

I notice Ace hardware has sale on Valspar Optimus, buy 2 get 1. I started my project with Valpar Reserve. What are the implications of switching to another grade? Should I do it?
by Church Lady
Mon Mar 06, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you drop life and disability insurance?
Replies: 56
Views: 3622

Re: At what age did you drop life and disability insurance?

I thought about dropping disability last year. Money coach (an employee benefit) said the policy was so cheap, I should hold on to it. I get great group rates and doubt the advice would be the same if I were paying full price. YMMV.
by Church Lady
Mon Mar 06, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Getting old and need advice on retirement goal & planning
Replies: 17
Views: 1608

Re: Getting old and need advice on retirement goal & planning

least $120k to spend monthly


Do you really mean monthly? That, and bumping your question to the top of the list.
by Church Lady
Fri Mar 03, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: When & how much to donate?
Replies: 94
Views: 5237

Re: When & how much to donate?

Anonymous giving: My employer sponsors a charitable giving campaign which I can donate to through payroll deduction. I have been doing this over 30 years. As far as I can tell, my name has never been sold to anyone by this charitable campaign. We have a week long campaign at work every year, but I n...
by Church Lady
Fri Feb 24, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 123
Views: 8404

Re: BH thoughts on Time shares

To the OP, whose question is getting lost in the shuffle ... Even with absolute certainty that you will refuse the timeshare, the free stuff is not a good deal. If I fly myself to Cancun or Hawaii or Orlando, my cost per hour of just being there is pretty high. Think a minute about air fare, lodging...
by Church Lady
Wed Feb 15, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3988

Re: How do you handle switching your handbag?

Like GerryL, I really like Baggallinis. I have several of them in a size that will fit into a large purse , but can also be worn cross body if I'm shopping or just walking around. There is room for all my credit cards, ID, lip gloss, Chapstick, medical cards, some cash, and I can fit my phone and k...
by Church Lady
Wed Feb 15, 2017 1:54 am
Forum: Investing - Theory, News & General
Topic: Planning for Retirement: Why do it the recommended way?
Replies: 26
Views: 2698

Re: Planning for Retirement: Why do it the recommended way?

Also, one reason to fund a Roth instead of a 401k is because a Roth can double as an emergency fund during the early part of your accumulation phase, since you can withdraw the principal without penalty or taxes (one would hope you don't have to withdraw these funds, of course). So Roth investment ...
by Church Lady
Wed Feb 15, 2017 1:32 am
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3988

Re: How do you handle switching your handbag?

I would not say you are lazy; just practical. I have to store my bags, and that's a nuisance. Because I am well supplied with hand bags, I rotate them with the seasons. I switched out of my Christmas bag into a leather hand bag for Winter. When Spring comes, I'll probably swap the leather one for so...
by Church Lady
Wed Feb 15, 2017 12:34 am
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 9132

Re: -$280k Net Worth Has Me Up At Night

" we currently save 26% of post-tax income. " To help you sleep better ,start applying some of "that " to This :mrgreen: "Debt: Rental Property: $71,000 remaining @ 3.875% (earning $380/month from rental income; $59k in equity) Primary residence: $169,000 remaining @ 3.875%...
by Church Lady
Tue Feb 14, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Scary bed bug addendum on lease - should I walk away?
Replies: 30
Views: 3406

Re: Scary bed bug addendum on lease - should I walk away?

Before doing anything, I would call around and find out if this addendum is common in your area. If it is, you may have no choice.
by Church Lady
Fri Jan 27, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Pay Your Monthly Bills?
Replies: 42
Views: 3761

Re: How Do You Pay Your Monthly Bills?

Recently, I had five checks stolen from a US Post Box, copied, repurposed and cashed at the bank of origin. Two of those checks were written to my credit card companies to pay monthly bills so those credit card accounts were also compromised. It sounds like your outgoing mail was stolen. From what?...
by Church Lady
Mon Jan 16, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5451

Re: Daring to figure it out for myself: Dare I retire this year?

When you hear people saying returns are likely going to be low due to high valuations they are talking real returns, that is returns above inflation. Historical in the US is about 6% or 7%, plus inflation. P/E10 is now about 28 which the P/E10 folks tend to turn into a real return estimate of about...
by Church Lady
Sun Jan 15, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5451

Re: Daring to figure it out for myself: Dare I retire this year?

Hi, @The Wizard,
Actually, I believe our thinking is similar. I want to know how much I can spend, rather than try to forecast the unpredictable. Hence my use of FIRECalc, CFIRESIM, and I-ORP. My problem here is that the calculators give different results.
by Church Lady
Sun Jan 15, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 19124

Re: Fidelity free Turbotax

Today, the free link appeared on my Summary tab. :D :D :D I didn't notice it there Friday. I'm not a private client, nor do I have $1M in my taxable account. I do have retirement accounts at Fidelity, and I am in the Active Trader Group. I barely transacted in 2016. Once an Active Trader, always an ...
by Church Lady
Wed Jan 11, 2017 2:02 am
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2941

Re: Anyone else having trouble with unrequested CVS auto-refills?

I suddenly started getting phone-stalked by CVS asking me for refills, auto-refills, calling my doctor for refills, you name it. I thought it was just me, but I see they have a problem. I'll try to cancel my auto-fill service. I find it confusing when prescriptions magically appear for no reason.
by Church Lady
Wed Jan 11, 2017 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5451

Re: Daring to figure it out for myself: Dare I retire this year?

As to the i whatever simulation I suspect the problem is you assumed that stocks will return 5% and bonds 2%. I am guessing that is nominal in which case that is very pessimistic. Hi @Rodc, You are right, it is nominal. I hear a lot of chatter on this forum about how stocks and bonds are overvalued...
by Church Lady
Wed Jan 11, 2017 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5451

Re: Daring to figure it out for myself: Dare I retire this year?

Hi, @The Wizard, Thanks for responding! Your premise seems a little wrong, but I'll play along to learn something new. I'm looking forward to the discussion. :D Last year I made about 100,000, and I saved 8,100. Before you faint and scream YOU'LL WORK 'TIL YOU DROP!!!: 1) The 8100 is net of 401K/Rot...
by Church Lady
Tue Jan 10, 2017 3:26 am
Forum: Investing - Help with Personal Investments
Topic: To those with a pension...
Replies: 52
Views: 6664

Re: To those with a pension...

I will receive a modest, non COLA pension. a) No, I just saved what I could. My pension was frozen years ago, so I'm glad I did not count on it. It will help me bridge to Social Security, but over time it will lose value to inflation. b) You're overthinking. If you need (for example) 40,000 a year a...
by Church Lady
Tue Jan 10, 2017 3:04 am
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 4164

Re: The funk - gym clothes

Try a shot of Febreeze, or a shot of Odo-ban, on the problem 'zones' a few minutes before washing. You can also add these products to the wash. Check the labels for information. Try pre-soaking in Borax (20 Mule Team), and add the soak water to the washing machine with the clothes. Try an enzymatic ...
by Church Lady
Tue Jan 10, 2017 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5451

Re: Daring to figure it out for myself: Dare I retire this year?

@celia, thanks for your concern. I downloaded a tool from the SSA called 'AnyPIA' to calculate these numbers. You have to enter your actual earnings history by hand, and I won't say the interface is intuitive or user friendly. Steep learning curve! It does let you project earnings of zero for those ...
by Church Lady
Tue Jan 10, 2017 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5451

Re: Daring to figure it out for myself: Dare I retire this year?

You say SWR at 3%, but if you need to pull out an extra $30k or so plus post SS income how does that effect things? (If you want $78K that is $50K after pension, and have $30 from SS you need investment income of $20K after SS, but $50K before SS). Is that 3% when you are pulling out $20K or when y...
by Church Lady
Mon Jan 09, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5451

Re: Daring to figure it out for myself: Dare I retire this year?

Can you wait to take retirement until 65 or something and have it go up nicely like SS @Rodc, if by 'it' you mean my pension, no. My pension was frozen in the late 90s. It goes up slightly each month because some notional sum in my employer's ledger is divided by fewer months of payout. If you are ...
by Church Lady
Mon Jan 09, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5451

Re: Daring to figure it out for myself: Dare I retire this year?

@livesoft, Great point. The COBRA premium comes from the HR website. It has an option to display COBRA premiums and health premiums for retirees. So, yes, the COBRA premium is a lot more expensive than what active employees pay, but I'm pretty sure it's the amount I would pay. At least, it is the ri...
by Church Lady
Mon Jan 09, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5451

Daring to figure it out for myself: Dare I retire this year?

Happy 2017, Bogleheads! I'm hoping to retire early this year, and am wondering if my plan is realistic. Here are the facts: Age in 2017: 58 now. 59 1/2 by year end. end of (ahem) plan: 100. Age 100 is a Jane Bryant Quinn suggestion. Frankly, I'll be astonished if I live to 80. Pension: about 28,000/...
by Church Lady
Mon Jan 09, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do you avoid aggregators? Best expense tracker for manual entry?
Replies: 13
Views: 926

Re: Do you avoid aggregators? Best expense tracker for manual entry?

I used to be a Q-head (obsessive user of Quicken), but gave it up when my new computer would not read my old computer's Quicken file. :mad: :mad: Never again! Even if the computer transfer had worked, entering ALL expenses into the computer is very labor intensive, and why would you do it if you wer...
by Church Lady
Thu Jan 05, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund - PTTRX - any better ones under Fidelity?
Replies: 21
Views: 1257

Re: Bond fund - PTTRX - any better ones under Fidelity?

https://www.fidelity.com/fund-screener/evaluator.shtml#!&ft=TBND_GI%2CTBND_GL%2CTBND_GS%2CTBND_IP%2CTBND_CI%2CTBND_CL%2CTBND_CS%2CTBND_UB&ntf=Y&expand=%24FundType&exp=1%2C2&aMt=0%2C7&aDt=LS5 Try Fidelity's screener. You can screen for many characteristics, including expenses...
by Church Lady
Tue Jan 03, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Thoughts on this inverse living floor plan and building a home in general
Replies: 30
Views: 2524

Re: Thoughts on this inverse living floor plan and building a home in general

A friend had a very nice, well constructed luxury apartment right over the building's parking garage. Every time someone started their car, she experienced an 'earthquake'. The rumbling sounded like the building was going to crumble around us, never mind the very noticeable shaking. I don't know how...

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