Search found 683 matches

by Nearing_Destination
Thu Nov 23, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone had a POA rejected? [Power of Attorney]
Replies: 42
Views: 3278

Re: Anyone had a POA rejected? [Power of Attorney]

Definitely have had problems with B&M banks taking POA of spouse’s parents (one recently passed with the other now in a nursing home). Both couldn’t get to the banks, and when they needed forms completed, we literally had their representatives come to the house — they could see that they were both w...
by Nearing_Destination
Thu Nov 23, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 209
Views: 34840

Re: Improving the TSP [for current participants]

The short answer is, "yes." Sure, we can do that . . . but should we need to? We'll be unable to reap the benefits of the TSP's low expense ratio for our Roth TSP assets when they're now sitting at another company. Further, TSP assets, like 401(k) assets, have stronger legal protections against cre...
by Nearing_Destination
Sun Nov 12, 2017 9:57 pm
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5702

Re: The Personal Black Swan

Look at the time period (early 1900’s), I’d imagine that the vast majority of individuals in the US at that time would not have had access to foreign stocks at any reasonable cost and the same would have been likely for many foreign investors at the time (if they even cared for US stocks at the time...
by Nearing_Destination
Sun Nov 12, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5702

Re: The Personal Black Swan

From the look and time, I’d say it was the Russian Exchange....went to zero The Panics of the late 1800’s in the US were quite severe, but didn’t go to zero, the drop in 1907 had some real effects as well; we just seem to focus on the Great Depression and forget that other shocks had significant eff...
by Nearing_Destination
Sun Nov 12, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 4828

Re: what pickup truck

If you plan to park it in a garage, be sure to check out the overall length of full size trucks (they are much larger than what was sold as a full size truck say 15 years ago), versus the layout of your garage. There may not be enough room to walk past them (which may or may not matter depending on...
by Nearing_Destination
Sun Nov 12, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9466

Re: Federal Retiree Health Care with/Medicare

You can “ suspend “ —**not cancel** — your FEHB benefits and return to using them later. Canceling results in your no longer being eligible; suspending means you CAN restart at some later open season I do not believe this is true for those who fall under survivor benefits. Can you point me to a pla...
by Nearing_Destination
Sat Nov 11, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9466

Re: Federal Retiree Health Care with/Medicare

While still a couple of years away for me, the complication is the number of years before spouse is covered by Medicare; for us it’s too many years between eligibility and we’ve already had a few major issues. Leaning to stay with BC/BS standard until we’re both Medicare eligible, then switch to bas...
by Nearing_Destination
Sat Nov 11, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10268

Re: Tipping for restaurants where you order at the counter

I tip when possible. (If there's a sign saying "no tipping"--however phrased--I comply). I doubt that the people who bring the food out to me at Smashburger are paid any better, or need the tips any less, than the people at Texas Roadhouse. I hate tipping, I hate the system; in case anyone isn't aw...
by Nearing_Destination
Thu Nov 09, 2017 7:02 am
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 4828

Re: what pickup truck

Depending on your needs, you may want to include the Honda Ridgeline on your shopping list. It only has a 5000 lb towing capacity but will probably be a better choice for everyday commuting chores. Just a thought. That’s not a truck, only 5 k towing? Now, my F-250 .... that’s a truck Seriously, fir...
by Nearing_Destination
Wed Nov 08, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 53
Views: 3470

Re: Car battery?

Well, 123, I was planning on a preemptive battery replacement but just before my next oil change the battery decided to not hold a charge. It was over 6 years old, and as we were heading into winter I didn’t want to have a problem. ( seems that the battery knew it was a goner and wanted to get reven...
by Nearing_Destination
Wed Nov 08, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9466

Re: Federal Retiree Health Care with/Medicare

Although I could retire now, I have been convinced by several that I should stick it out for the time when I am eligible to take my federal retiree health care with me. So, I'll pay the premium when I retire and one day, I will reach the age for Medicare eligibility. How do federal employees with t...
by Nearing_Destination
Sun Oct 29, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 8981

Re: we bought a house - are we housepoor now?

If someone is unemployed for two years, they will likely have trouble with any mortgage. Klang's rules not only don't work for plenty of Bogleheads, they don't work for the vast majority of folks in the U.S. Yet, MANY own houses. How's that work? Not if you bought less house and boosted your saving...
by Nearing_Destination
Wed Oct 25, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?
Replies: 27
Views: 1538

Re: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?

Near Munich is Fussen, with the Neuschwanstein castle and it's not too bad of a drive. It was difficult to find good accommodations at Hallstatt (that didn't cost $$$). The valley just west (Gosau) was a very nice picturesque view , but I didn't notice that it had lodging. We stayed in the downtown ...
by Nearing_Destination
Wed Oct 18, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Registering/titling new car myself
Replies: 6
Views: 743

Re: Registering/titling new car myself

An MCO is a manufacturer's certificate of origin. You would take the MCO and sales order from the dealer to your registry of motor vehicles, if you were in Massachusetts. You'd have to have a stamped RMV-1 form from your insurance company, showing that you have insurance on the car. At the registry...
by Nearing_Destination
Wed Oct 18, 2017 3:21 am
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 10130

Re: how long did it take to get used to retirement

It helps if you can cultivate minor obsessions. I have a few: 1) Creating and expanding a logging road on my GF's 10 acre property, with chainsaw and 4WD pickup. 2) Cutting and stacking excessive amounts of hardwood firewood for both my house and the GF's house. 3) Searching out and biking the expa...
by Nearing_Destination
Mon Oct 09, 2017 11:39 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9561

Re: Bogleheads you would most like to meet and why?

85 percent of us are AI bots impersonating humans before the machines rise up. Except for those of us that are just dogs. Especially "Sheepdog " :D {the list so far is impressive, although I'm not a fan of munchkin man at all.. Wouldn't mind meeting livesoft over the pond, but I preferred Dublin to...
by Nearing_Destination
Sun Oct 08, 2017 1:34 am
Forum: Personal Finance (Not Investing)
Topic: 3x gross income = house purchase price, should interest rate be taken into account?
Replies: 26
Views: 2215

Re: 3x gross income = house purchase price, should interest rate be taken into account?

The older conservative rule was: 1 - 1.5 X ==> very good, likely able to early retire ~2 X ===> normal range, able to retire normally ~3 X ===> more difficult to retire, likely to be "House Poor" Over 3 X ===> definitely "house poor ", may not be able to retire (plan on long workforce participation,...
by Nearing_Destination
Fri Sep 29, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Lost my job and looking for advice on next steps
Replies: 43
Views: 5406

Re: Lost my job and looking for advice on next steps

He's got unemployment after the four months, use that to try to look for another job-- and if none in same occupation is found, then determine if one can either retire or work at a lower wage, possibly less stressful, job for a few years (until say 62 or 63). {25k for a FULL time teacher in a HCOL a...
by Nearing_Destination
Fri Sep 29, 2017 10:04 am
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 7323

Re: 3 stages of Financial Independence

4) Regret - Upon finding that one could/should have retired upon stage 2 or earlier entry into stage 3, rather than finding one unable to do the things that they planned to do due to illness, incapacity, or other factors. ( Timelord-- just call it MMY, many or multiple more years) (Stan1-- some of u...
by Nearing_Destination
Wed Sep 27, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: 4% rule and timing
Replies: 16
Views: 2394

Re: 4% rule and timing

Both people are fine but both people are also at the bottom end of retirement success meaning they will end their 30 year retirement with a small amount of assets while people not having that 50% drop early on will die fabulously wealthy. Person B may be a little lower on the outcome than person A....
by Nearing_Destination
Mon Sep 18, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 26177

Re: Calling out the not so rich bogleheads

I'll have to disagree with your premise, in the over ten years I've browsed and then posted a large majority have been on how to get started; setting up their accounts etc. Personally, my very early years were spent getting prepared for my "earning years " -- undergraduate and graduate school, early...
by Nearing_Destination
Mon Sep 18, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Save/invest and buy house with cash - yes/no?
Replies: 16
Views: 1198

Re: Save/invest and buy house with cash - yes/no?

Imperio

Other threads have also said not to buy until you actually get married, rent before then.

I agree with others that , depending on job stability and amounts dedicated to retirement, leveraging by purchasing a house, with say 20% down so as to eliminate PMI, is reasonable.
by Nearing_Destination
Fri Sep 15, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Repair 2003 Honda Accord?
Replies: 26
Views: 1814

Re: Repair 2003 Honda Accord?

Remember that the 2003 Accord also had MAJOR transmission failures-- that was the death knell for our Honda
The V6 model, otherwise, was fairly good but putting too much money into a car like that with known failures is asking for it

I'd call it time to replace with newer unit...
by Nearing_Destination
Mon Sep 04, 2017 2:58 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance (Day 1)
Replies: 19
Views: 3550

Re: Inheritance (Day 1)

limit the amount to each bank to just under 250K. Or stock index funds as well. Good luck. So do I take this part of Zott's post to mean that I shouldn't have more than 250k in any one place at any one time??? 250k at Fidelity, 250K at Vanguard, and etc...??? NO The $250k limit applies to FDIC insu...
by Nearing_Destination
Thu Aug 31, 2017 10:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17947

Re: [Are the Bogleheads] getting less interesting?

5th dimension

Are we supposed to give you the "cheat" codes?

(They were earned from hard w@rk)


Reminds me, I need to change my username
by Nearing_Destination
Thu Aug 31, 2017 10:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17947

Re: [Are the Bogleheads] getting less interesting?

That happens, and then sometimes the poster exits, either temporarily or permanently, but without being escorted out. I liked jbolden1517's posts also. I miss sscritic. Victoria I was going to respond to "going up"'s post with sscritic as well. He was the most knowledgeable person on the site WRT S...
by Nearing_Destination
Thu Aug 31, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3428

Re: Beginner Mountain Bike

Hmmm, I'm guessing my Kona isn't considered a beginner MB....(like my old Trek road bike, from the 70's when they were hand built in Wisconsin)...but can't quite use them like I used to (no centuries, no 6 hour training rides) due to age and knee replacement ( :( ) For a total newb- a local bike sho...
by Nearing_Destination
Wed Aug 30, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6786

Re: When to give resignation notice

I have seen this play out too many times. Some employers will allow you to work to the end of your notice period and if you become vested during that time you will get the vested benefit. But many (perhaps most) will arrange affairs to prevent a vesting event from happening for someone they know is...
by Nearing_Destination
Wed Aug 30, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 7729

Re: How much sooner could you retire with NO property taxes?

+1. For example, if you have reasonably low income in retirement (say, under $40k or even $50k), you can often pay less in taxes living in a "high tax" state like Wisconsin than "low tax" states such as Florida, Texas, Tennessee. And the devil is in the details. Some states have partial/full exempt...
by Nearing_Destination
Wed Aug 30, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)
Replies: 29
Views: 2452

Re: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)

Make sure that the facility has medical personnel in network of any plan she's in -- out of network charges otherwise would add up. Can you elaborate on this? My understanding is there's no private insurance or LTC insurance involved at all, just Medicare, her own income stream, any assets we can l...
by Nearing_Destination
Wed Aug 30, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6786

Re: When to give resignation notice

I'll echo the other responses- wait one month and then give the required three months notice. If they terminate you earlier, then seek an attorney and file grievance with labor/personnel board (those that can affect licensing may have the most impact). Give the 3 month notice. If they terminate you...
by Nearing_Destination
Tue Aug 29, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Best lubricant for exterior door locks
Replies: 27
Views: 2884

Re: Best lubricant for exterior door locks

4. "Moly grease " (a molybdenum disulfide mix ) holds up to low temperatures and high temperatures too Should be able to find it in hardware store. (Usually much cheaper than the teflon stuff,as well) But sounds like the real problem is that the door is seizing and some adjustments to the door are n...
by Nearing_Destination
Tue Aug 29, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6786

Re: When to give resignation notice

I'll echo the other responses- wait one month and then give the required three months notice. If they terminate you earlier, then seek an attorney and file grievance with labor/personnel board (those that can affect licensing may have the most impact).
by Nearing_Destination
Tue Aug 29, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)
Replies: 29
Views: 2452

Re: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)

{background: this last week MIL was put into nursing home after ~16 years being helped at home by caregivers} The NH she's in allowed a certain amount of furniture (she's in private room) and familiar sights-- like furniture and pictures helps Make sure that the facility has medical personnel in net...
by Nearing_Destination
Mon Aug 28, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Why not just buy BRK.B or BRK.A?
Replies: 49
Views: 3967

Re: Why not just buy BRK.B or BRK.A?

What if you'd purchased in 1972 and it was 1975--- you'd still be down while the S&P500 is almost at break even. Or look at 2002-2014 for both: not much difference but then have single company risk for BRK. ( Disclosure: I did have BRK from about '99 to ''08, when I still had single company stock. N...
by Nearing_Destination
Mon Aug 28, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Buying fish (salmon) in Northeast?
Replies: 37
Views: 2266

Re: Buying fish (salmon) in Northeast?

You can always move out here to the PNW and get your salmon :)

(...and fresh Dungeness crab, too)
by Nearing_Destination
Mon Aug 28, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 22560

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

Its not a bad thing to spend some money on clothes. If your just starting out in your career you probably will need to drop some money to build a professional wardrobe. 4-5 nice suits (plus tailoring), 8 dress shirts, a couple of dress shoes, belts, slacks, ties, etc... It can easily creep over 5k+...
by Nearing_Destination
Sat Aug 26, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 9495

Re: Living Expenses - what's "reasonable"?

For the guy that misses buying berries in Spain... I don't think that was a guy. Just sayin. I don't think that was a guy either. Victoria Y'all are reading too much into this - this just tells me that the OP is a guy (people tend to think of others on the internet as same gender and age as themsel...
by Nearing_Destination
Sat Aug 26, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7546

Re: Lowes vs Home Depot

As KlingKlang has mentioned, the two stores target different demographics Well if we're going to play to stereotypes, I consider it a hole in Home Depot's lineup that they carry so few Bosch products - the company responsible for bringing us the jigsaw, originally invented when one of their enginee...
by Nearing_Destination
Sat Aug 26, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Any FL residents with a dash-cam?
Replies: 13
Views: 1704

Re: Any FL residents with a dash-cam?

Hint: Florida isn't the only place that has high summer heat When in the Midwest-- during the upper 90's/100's temperatures, while the suction cup might have failed, there was no effect on the camera. BTW, if you get one make sure it has good nighttime recording and is at least high resolution (well...
by Nearing_Destination
Sat Aug 26, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31971

Re: What to do when a parent's money runs out?

The problem is...you DO know that the house will take a substantial investment to bring up to livable standards, those resources could be used instead to survive in more modest, but maintained, conditions. The OP mentioned that she was in Maine-- parts of which have some unique zoning laws. While we...
by Nearing_Destination
Sat Aug 26, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31971

Re: What to do when a parent's money runs out?

Dude2 This is the time for the housing situation to be resolved-- the future for her in that house is untenable... wouldn't you agree? This is the time to engage in determining local resources for housing, meals, medical...everything she will need. You really can't wait until the winter, especially ...
by Nearing_Destination
Sat Aug 26, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31971

Re: What to do when a parent's money runs out?

Sorry, Dude2, but I have to disagree with you This is the time for the OP to make a stand The 15-20k is very material to them, likely it couldn't be recovered by sale of the property because it has already been reverse mortgaged (and most/all require the "homeowner" to maintain) and failure to fix b...
by Nearing_Destination
Sat Aug 26, 2017 5:52 am
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 24
Views: 2551

Re: How and when do you decide to do Tax Loss Harvesting?

One reason for waiting until somewhat higher levels of TLH is the frictional costs.
by Nearing_Destination
Thu Aug 24, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 10052

Re: Non-fiction bucket list

Fascism: The Career of a Concept , by Paul Gottfried The Black Book of Communism: Crimes, Terror, Repression , by Jean-Louis Panné, Andrzej Paczkowski et. al. Witness , by Whittaker Chambers ("Witness " was debunked by former soviet general-- (can't remember name right now-- good propaganda but, al...
by Nearing_Destination
Wed Aug 23, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7546

Re: Lowes vs Home Depot

As KlingKlang has mentioned, the two stores target different demographics: Home Depot targets men Lowes targets women Their inventories, layouts, advertising are also consistent Notice that Lowes advertising is largely printed with colorful ads and tries for both but more focused on women versus few...
by Nearing_Destination
Mon Aug 21, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: Rental car booted for prior unpaid parking tickets
Replies: 31
Views: 3742

Re: Rental car booted for prior unpaid parking tickets

RM

Maybe you should have gone to our area as originally planned-- the sky was clear

Sorry for your problem
by Nearing_Destination
Mon Aug 21, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 96
Views: 7755

Re: School Redistricting - What should we do?

Option 5: as you are both feds, due to restructuring of agency (agencies) one or both of you are downsized causing you to investigate private sector jobs in different cities (With as many years ahead that you are looking, it's a distinct possibility--- not to get political) Seriously-- you may even ...
by Nearing_Destination
Mon Aug 21, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16033

Re: How far would you travel to see The Eclipse?

Hmmm... there's still traffic getting out of the area-- over 9 hours later :twisted: We've got so much smoke from the local fires that the setting sun was red :? Thanks everyone for coming to the area (and not being crazy)... please drop your cash at the state line... to offset the costs of holding ...
by Nearing_Destination
Mon Aug 21, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16033

Re: How far would you travel to see The Eclipse?

You're welcome catdude

It was nice in totality-- definitely felt the chill of the temperature drop, lots of "fureners " (cali, Washington, and a few others) The waystop at the county line was packed, as seen on tripcheck, now they are heading back your way :shock: