Search found 397 matches

by Minot
Tue Jul 18, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 115
Views: 7913

Re: Books not to read.

"Born on Third Base" by Chuck Collins a story about a guy who was heir to the Oscar Myer family. He gave away his trust fund when he was in his twenties out of guilty. Now spends his time trying to convince people to not to donate to charities but to give your money to the government beca...
by Minot
Tue Jul 04, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Just found out my mom is in serious financial crisis. Need help ASAP.
Replies: 58
Views: 8873

Re: Just found out my mom is in serious financial crisis. Need help ASAP.

Looking forward a few years: the max social security benefit for someone who retires at 70 is around $42k. <snip> . That's assuming that she has been reliably paying into Social Security. Since she's in private practice, it's presumably been up to her. It's pretty certain that she hasn't contribute...
by Minot
Sat Jun 24, 2017 7:28 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 87
Views: 12927

Re: Revealing Usernames

I know members are reading this thread, as I've been contacted by a few already. :) retiredjg - I see your point, but wouldn't your suggestion be better located in the forum policy, specifically in the Usernames (accounts) section? Remember that the registration intro says: You agree to abide by th...
by Minot
Tue Jun 20, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2460
Views: 762631

Re: What Book Are You Currently Reading? Part VI

ddurrett896 wrote:Control: Exposing the Truth About Guns

<snip>

By Glenn Beck
by Minot
Sun Jun 18, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6385

Re: So sick of it! [Paying off student loans]

Gang, Your input on finances since I discovered this website has helped a lot. I am blessed with a great income. Let me tell you what is going on and what I am sick of! Let me give you some details first... Yearly investing - I am basically happy with this for now at 34yo. 18.5 k 401k + 25% match 1...
by Minot
Thu Jun 15, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Child reaching majority Custodian Acct- fund advice TRowePrice
Replies: 11
Views: 749

Re: Child reaching majority Custodian Acct- fund advice TRowePrice

My son got control of his custodial account at American Century earlier this year. I wrote about that in this thread last month. <snip> I am having my son research how to get out of his American Century account. He already has a Roth IRA at Vanguard and a Vanguard taxable account to receive gifted ...
by Minot
Thu Jun 15, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity IRA charging 5$/mo as fees
Replies: 11
Views: 1355

Re: Fidelity IRA charging 5$/mo as fees

It appears that the OP has monthly automatic investments into non-NTF funds. Fidelity says: "Fidelity does not charge a fee for automatic investments in Fidelity funds or No Transaction Fee (NTF) FundsNetwork funds. After the initial investment, a $5 fee is charged per automatic investment int...
by Minot
Thu Jun 01, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Senility: How do you plan on protecting your money when you lose your mental capacities?
Replies: 72
Views: 5998

Re: Senility and Seductresses: How do you plan on protecting your money when you lose your mental capacities?

The real concern, which I have not seen well addressed, is a corporate fiduciary who will do the day to day bill payments, manage insurance and so forth. As a Boglehead, I am not interested in their investing brilliance, but I don't want the power turned off because no one paid the bill. Naturally,...
by Minot
Mon May 29, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 57
Views: 7374

Re: How exactly does Vanguard's RMD service work? Rebalancing?

IIRC, you need to make sure the QCD is either paid: - directly to the charity - to you via a check made out to the charity which you then forward to the charity. As I understand it, receiving a RMD, putting it in your checking account and then writing a check to the charity doesn't count as a QCD (...
by Minot
Wed May 24, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate tax benefit of owning a home
Replies: 34
Views: 2264

Re: How to calculate tax benefit of owning a home

You may be interested in this New York Times article on the societal effects of the mortgage interest deduction.
by Minot
Mon May 22, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 5468

Re: What are your priorities for retirement?

I certainly had priorities, but some of them went out the window upon retirement, because I found that my priorities changed. For example, and I know this is counter to what everyone says, I've deferred travel for awhile, because I absolutely love just hanging out at home. I don't have to be anywhe...
by Minot
Fri May 12, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: How specific/specialized is your Living Will?
Replies: 22
Views: 1274

Re: How specific/specialized is your Living Will?

It is difficult for a document to cover the complex issue of end of life care. You may also find this article useful http://www.newyorker.com/magazine/2010/08/02/letting-go-2 IMO, it's just as important to discuss your wishes with family so that they know what you want, not what they think is best ...
by Minot
Sun Apr 16, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why do you save?
Replies: 31
Views: 2274

Re: Why do you save?

I saved because I didn't want to have to worry about not having enough.

Now that I'm 80, I've concluded that I have somewhat more than enough, and have been loosening up on the spending a bit.
by Minot
Sat Apr 01, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 12195

Re: When do you plan to die?

VictoriaF wrote:I am planning to die on April 1st of the year when I run out of money.

Victoria

Badaboom!!
by Minot
Sat Apr 01, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 12195

Re: When do you plan to die?

I am now 67, happy and in good health. Ten to twelve years ago I spent a lot of time in nursing homes watching my parents and the other people there die slowly and miserably. I decided to make my own decision about when it was time to go, rather than just letting nature take it's course. My plan wa...
by Minot
Mon Mar 20, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Wife going back to school. What financial steps should I take?
Replies: 23
Views: 1355

Re: Wife going back to school. What financial steps should I take?

OP - your situation mirrors my own in almost every aspect. From our income levels and that of our spouses, to your situation regarding having kids, to your wife leaving a job she doesn't like and going back to school full time to expectedly double her income in the end doing something she enjoys, t...
by Minot
Sat Mar 11, 2017 12:15 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2776
Views: 800517

Re: What Movie Have You Recently Watched?

.....
by Minot
Tue Feb 28, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy in Taxable Account - exchange?
Replies: 5
Views: 959

Re: Vanguard LifeStrategy in Taxable Account - exchange?

Hi All, New to Bogleheads and would appreciate some advice. My wife and I have been investing in the Vanguard LifeStrategy Moderate Growth fund in a taxable account for about a year and a half now with approximately $17k in the account currently. I have not taken any money out of the account since ...
by Minot
Tue Feb 21, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2460
Views: 762631

Re: What Book Are You Currently Reading? Part VI

"The Overlook" by Michael Connelly - the 13th in the Harry Bosch series. I have been glued to this series since early January. All are outstanding, top notch reads. If you love police procedural, look no further. The TV series "Bosch" on Amazon Prime is also excellent. Titus Wel...
by Minot
Mon Feb 13, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with daughter's $100
Replies: 73
Views: 4710

Re: What to do with daughter's $100

The responses you've gotten so far have focused on what's good for your daughter's future. I've just looked at your previous posts, and I'm concerned about your future. You're over 50, you have a mortgage to pay off and considerable student loan debt. To what degree are you subsidizing your daughter...
by Minot
Mon Dec 12, 2016 12:35 pm
Forum: Investing - Theory, News & General
Topic: Bogle: ETF investors’ returns trailed by 1.6 percent over 12 months.
Replies: 13
Views: 1564

Re: Bogle: ETF investors’ returns trailed by 1.6 percent over 12 months.

The underlying Financial Times article, also written by Bogle, spells it out more clearly. Click on the 1st link (in the box under Top Stories on this Google page to get access to the article. Vanguard’s patented structure for ETFs — in which both its Tifs [traditional index funds] and ETFs are shar...
by Minot
Sat Dec 03, 2016 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: What value should my 401k be at age 54?
Replies: 21
Views: 4231

Re: What value should my 401k be at age 54?

Is this what you're looking for?
by Minot
Fri Nov 11, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: QCD Mechanics [Qualified Charitable Distribution]
Replies: 23
Views: 1716

Re: QCD Mechanics [Qualified Charitable Distribution]

For what it may or may not be worth: I have twice been told by Vanguard retirement specialists that writing my check on my IRA account to the charity is a valid QCD. Kiplinger's article agrees: "If you have check-writing privileges for your IRA, you can write a check to the charity." I've...
by Minot
Fri Nov 11, 2016 1:54 am
Forum: Personal Finance (Not Investing)
Topic: QCD Mechanics [Qualified Charitable Distribution]
Replies: 23
Views: 1716

Re: QCD Mechanics [Qualified Charitable Distribution]

For what it may or may not be worth: I have twice been told by Vanguard retirement specialists that writing my check on my IRA account to the charity is a valid QCD. Kiplinger's article agrees: "If you have check-writing privileges for your IRA, you can write a check to the charity." I've ...
by Minot
Wed Nov 09, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3589
Views: 945585

Re: U.S. stocks in freefall

What freefall?
by Minot
Sat Nov 05, 2016 11:08 pm
Forum: Personal Consumer Issues
Topic: Honey
Replies: 27
Views: 4031

Re: Honey

Buckwheat honey is quite flavorful. I haven't eaten it in years, so can't recommend a particular source, but Google comes up with a number of choices.
by Minot
Thu Nov 03, 2016 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Opened a Roth this year, lost money-- what can I do tax-wise?
Replies: 10
Views: 1484

Re: Opened a Roth this year, lost money-- what can I do tax-wise?

I have some "play" money that I use to invest and this year decided that it made more sense to do it inside a Roth account (I have all of my retirement savings in 401k and Trad IRA) so that I wouldn't keep getting hit with capital gains. Unfortunately I lost some money, about $700. I thin...
by Minot
Sun Oct 16, 2016 4:06 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 9608

Re: Bogleheads is back!!!

For those of us who (finally, in my case) figured out to check Morningstar's Bogleheads Unite! forum, a big thank you to Taylor, Mel, and Lady Geek for keeping us updated.
by Minot
Sun Oct 16, 2016 4:00 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 9608

We're baaack!

Looks like we're back online at last!! Let's see if I can be 1st to post.

[Nope, see below. --admin LadyGeek]
by Minot
Sat Oct 08, 2016 12:14 am
Forum: Personal Consumer Issues
Topic: Hurricane Matthew: Evacuation advice
Replies: 40
Views: 4771

Re: Hurricane Matthew: Evacuation advise

LadyGeek wrote: I also changed the spelling in the thread title "advise" to advice".

Thanks for scratching my itch. :wink:
by Minot
Mon Oct 03, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Matching children's Roth IRA contributions
Replies: 41
Views: 4316

Re: Matching children's Roth IRA contributions

You've discussed the best way to proceed with Bogleheads, and with your wife, but I'm noticing that you have not discussed it with your kids. Why not? What might be the positive or negative results of doing so? Maybe you could start by letting them read this thread, with the idea that you'll sit dow...
by Minot
Thu Sep 22, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 7163

Re: "Women and Investing" class offered by Employer

Miakis wrote:Women participate in 401(k)s at lower rates than men do, and when they do participate, they tend to contribute less.

This 2015 Atlantic article disagrees with the 1st half of your statement, and ties the lower contributions to women's lower salaries.
by Minot
Mon Aug 15, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 60
Views: 4086

Re: What does the BH community do with their pets when they travel?

We will be doing a 1200 mile move in the near future. Flying is out of the question because wife does not trust airlines with the little dog. OK, we will drive. When making hotel reservations noticed that "pet friendly" hotels seem to be pretty pricey. That's OK. We do what ever is needed...
by Minot
Sat Aug 13, 2016 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Wanted to always Bogle, but never got around to it...Now worth $2.3m
Replies: 11
Views: 3231

Re: Wanted to always Bogle, but never got around to it...Now worth $2.3m

niceguy7376 wrote:If you are independent consultants, why dont you have Solo 401k accounts? At your salaries ( assume 160k for each) you would be able to stack away around 40k pre-tax each.
And save on taxes.
by Minot
Fri Aug 12, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 60
Views: 4086

Re: What does the BH community do with their pets when they travel?

rover.com is available in some cities and is great. There is a variety of types of care offered - in home, check on, boarding, day care. +1 for Rover.com. My rescue Bichon Frise (most likely) is about to go off for his 2nd stay at a place I found on rover.com, where he seemed to enjoy himself and c...
by Minot
Tue Jul 05, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 12357

Re: Money vs. Happiness

JamalJones wrote:MOTBH!

OK, I give up. What are you trying to tell us?
by Minot
Fri Jul 01, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Laptop & Furniture & Treadmill Configurations
Replies: 8
Views: 695

Re: Laptop & Furniture & Treadmill Configurations

Try Googling "laptop stand for couch."
by Minot
Sun Jun 26, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Very tough career choice (ego, startup, San Francisco Bay Area)
Replies: 58
Views: 7199

Re: Very tough career choice (ego, startup, San Francisco Bay Area)

I wish there was an alternative way to thank the community of this forum, the answers I received are simply invaluable, and I don't have enough life experience to contribute back with anything meaningful. I agree with the posters who've said you've made a real contribution. Just by bringing your si...
by Minot
Sat Jun 25, 2016 9:03 am
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 5826

Re: Dog attacked by another dog

I was not going to try to get in the middle so I kept a hold of the leash, but backed away as far as I could to avoid personal injury (both dogs are 60+lbs). You have got to be kidding. Carry a "walking stick". A pocket knife. Get a concealed carry permit. Be prepared to do something . He...
by Minot
Tue Jun 21, 2016 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2479

Re: Portfolio Advice - funds from family

OP, I'm afraid I must climb up on my soapbox again regarding your fiancee's financial education. I believe that it is very important that women avoid financial helplessness. You have repeated that if something happens to you, she'll have parents and others who can help her with her finances. This i...
by Minot
Sun Jun 19, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Dr. Charges Facilities fee of $300 - what should I do?
Replies: 142
Views: 11123

Re: Dr. Charges Facilities fee of $300 - what should I do?

Threads like this one reinforce my appreciation for Kaiser Permanente. I've been with them for the last 20+ years and have been very pleased with their care, the ease of accessing it, and the (almost) total lack of surprises regarding billing. (The "almost" was a bill they sent me by mist...
by Minot
Sat Jun 18, 2016 11:30 pm
Forum: Personal Consumer Issues
Topic: Bed sheets like they used to be?
Replies: 56
Views: 13774

Re: Bed sheets like they used to be?

I love my bamboo sheets. They are marvelously soft, and my nightgowns sort of slide over them when I change positions. I will never go back to cotton.
by Minot
Thu Jun 16, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Dr. Charges Facilities fee of $300 - what should I do?
Replies: 142
Views: 11123

Re: Dr. Charges Facilities fee of $300 - what should I do?

Threads like this one reinforce my appreciation for Kaiser Permanente. I've been with them for the last 20+ years and have been very pleased with their care, the ease of accessing it, and the (almost) total lack of surprises regarding billing. (The "almost" was a bill they sent me by mista...
by Minot
Sun Jun 12, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: What does "Self Insure" mean?
Replies: 43
Views: 5003

Re: What does "Self Insure" mean?

Great info, thanks. It looks like about 15% of population over 65 ends up in some sort of care program if I interpret correctly. Frankly I thought it would be higher. I did not see a reference of how many people are in these programs temporarily due to rehab from surgery, stroke, etc. Perhaps this ...
by Minot
Sat Jun 11, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: Dental treatment, reduced cost, teaching university
Replies: 15
Views: 1529

Re: Dental treatment, reduced cost, teaching university

As a dentist, the responses to questions like this always crack me up. People who say that it is a poor idea to let dental students work on them clearly haven't thought through the reality that in the "real" world of private practice dentistry, there is no one checking your dentist's work...
by Minot
Wed Jun 08, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Book suggestion, please- Grieving Process - Loss of a loved one
Replies: 22
Views: 2143

Re: Book suggestion, please- Grieving Process - Loss of a loved one

I cannot provide the name of a book, but your friend might consider counseling to help her cope with her grief. My sister recently lost her husband of 53 years and has had several sessions with a counselor. She said the sessions have been helpful for her and she feels she has no further need of cou...
by Minot
Sun Jun 05, 2016 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Living Trusts
Replies: 30
Views: 2420

Re: Living Trusts

My wife and I recently met with an estate/elder law attorney who has suggested setting up living trusts vs wills only. Both in our mid-sixties, married late. All our finances are separate as are the homes we each own. No kids, no prior marriages. Combined investment assets plus homes = $5 million. ...
by Minot
Sun May 22, 2016 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing Tax Efficient Options
Replies: 10
Views: 1225

Re: Maximizing Tax Efficient Options

OP wrote:We're a family of 4

livesoft wrote:When you say "max out 529", that is interesting because with 4 children....

I read "family of 4" to mean 2 parents, 2 children.

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