Search found 215 matches

by Small Law Survivor
Sat Aug 19, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 73
Views: 4556

Re: DUI lawyer - need advice

I've been a civil litigation lawyer for 37 years. Always wanted to sit on a jury, and got my wish last fall: a one day trial (5 hours) on a DUI case. Two witnesses; the arresting office, and the defendant, a mid-30s accountant. I was the jury foreperson. We deliberating for maybe 20 minutes. Everyon...
by Small Law Survivor
Sat Aug 19, 2017 7:52 am
Forum: Investing - Theory, News & General
Topic: Boston Globe: Smart Investors May be Killing Capitalism
Replies: 2
Views: 407

Boston Globe: Smart Investors May be Killing Capitalism

Boston Globe's screed against index funds: http://www.bostonglobe.com/business/2017/08/18/smart-investors-may-killing-capitalism/61SGI74x2L9aW5BGYhVjaM/story.html Here’s the basic problem: When investors own little bits of everything, they lose interest in the kind of fierce market competition that ...
by Small Law Survivor
Thu Aug 10, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Advice re transferring 401K from Alerus to trad/Roth IRAs at Vanguard
Replies: 5
Views: 355

Re: Advice re transferring 401K from Alerus to trad/Roth IRAs at Vanguard

They can be transferred into existing accounts. I recommend not trying to do the online rollover at Vanguard, which will automatically create a new account. So I'm sure I understand - the way the 401I admin would do this is to mail two checks (trad and Roth) to Vanguard. The 401K admin would identi...
by Small Law Survivor
Thu Aug 10, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 7979

Re: Investing Education and Mansplaining

Fallible wrote:Glad it helped you, but we never did hear from your daughter, so we did not have both sides of the story.
I haven't shared this with my daughter, but taking the advice here I've back wayyyyy off :happy
by Small Law Survivor
Thu Aug 10, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Advice re transferring 401K from Alerus to trad/Roth IRAs at Vanguard
Replies: 5
Views: 355

Advice re transferring 401K from Alerus to trad/Roth IRAs at Vanguard

I'm about to transfer my 401K (managed by Alerus) to IRAs at Vanguard. The K has both Roth and traditional components, so it will need to go to two IRA accounts at Vanguard, one trad, one Roth. Never having done this before, I'd appreciate any tips on how to avoid problems. One thing in particular t...
by Small Law Survivor
Wed Aug 09, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Massachusetts Insurance Carriers for Auto/Home/Umbrella
Replies: 7
Views: 373

Re: Massachusetts Insurance Carriers for Auto/Home/Umbrella

Have Chubb for home/umbrella (Ace for auto). They are not the cheapest, but my broker keeps telling me that they are worth it. I wonder ....
by Small Law Survivor
Wed Aug 09, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2243

Re: Harry Bosch:the Amazon Series vs the novels

Have read all of Connolly's book, huge Bosch fan. Download the audio book as soon as a new one appears. Have friends/co-workers who feel the same way. Was very happy to see that Amazon had developed a Bosch series. The Amazon series is a mash-up of various books - I recognize some of the plot lines ...
by Small Law Survivor
Sat Aug 05, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Car accident: insurance or self-pay?
Replies: 22
Views: 1861

Re: Car accident: insurance or self-pay?

It was an accident with no other party involved. Speaking with the other party would likely mean they need to get medical attention
Correct. Side-question: how do you embed a quote and include the name of the author of the quote? Would appreciate advice on this.
by Small Law Survivor
Sat Aug 05, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21129

Re: A poll: How much money do you want to retire?

66, wife 65. ~$5MM in investments spread over taxable, tIRA, Roth and (shame) Vanguard variable annuity, all invested roughly 50-50. ~$800K home, with $130,000 line of credit, which we are now paying down aggressively, and probably will have paid off by end of next year. Working very part-time for $...
by Small Law Survivor
Fri Aug 04, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: insurance or self-pay?
Replies: 22
Views: 1861

Re: Car accident: insurance or self-pay?

Follow-up question re submitting a claim and then change insurers if rates go up - I admit to not understanding the insurance market as well as perhaps I should, but wouldn't a new insurer become aware of the claim? Wouldn't that have to be disclosed in an application, or be available to a new insur...
by Small Law Survivor
Fri Aug 04, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Where to watch Eclipse in South Carolina?
Replies: 7
Views: 860

Where to watch Eclipse in South Carolina?

Just noticed the Kansas eclipse thread. Daughter and I are heading down to S.C. - plan is to fly into Raleigh, rent a car and stay at an Airbnb in Camden, S.C., northeast of Columbia. The question that we are still ponding/researching is where to go, within a reasonable driving range, to see the ecl...
by Small Law Survivor
Fri Aug 04, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: insurance or self-pay?
Replies: 22
Views: 1861

Re: Car accident: insurance or self-pay?

Being that it's single car I imagine the repairs are being made your own vehicle? Was there any property damage done?
that is correct.

Our collision deductible is: $1,000
by Small Law Survivor
Fri Aug 04, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: ETFs v. Mutual Funds
Replies: 11
Views: 804

Re: ETFs v. Mutual Funds

The author of one of these articles is not my advisor, so no question behind the question.
by Small Law Survivor
Fri Aug 04, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: insurance or self-pay?
Replies: 22
Views: 1861

Car accident: insurance or self-pay?

A family member had a minor accident (single car, no one else involved, no injuries). The cost of repair is $3,000. My insurance broker said it would be smarter to self-pay. She said that if we made a claim our insurance would go up around $800/year for at least four years. That amount, plus our ded...
by Small Law Survivor
Fri Aug 04, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: ETFs v. Mutual Funds
Replies: 11
Views: 804

ETFs v. Mutual Funds

I keep reading about how ETFs are becoming a dominant form of investing, even to the detriment of traditional mutual funds. However, a financial advisor I'm working with asked me why I'm using ETFs (I use them in my 401K), rather than mutual funds. He sent me these two articles: https://www.evansona...
by Small Law Survivor
Wed Aug 02, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Cheap notebook for surfing/watching videos
Replies: 18
Views: 1478

Re: Cheap notebook for surfing/watching videos

We've had 2, maybe 3 Chromebooks over the years. They have been excellent.
by Small Law Survivor
Wed Jul 26, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account and "Last Month Rule"
Replies: 25
Views: 2447

Re: Health Savings Account and "Last Month Rule"

Thank you Artsdoctor and Spirit Rider.

I am a semi-retired lawyer, and I read the rule the same way you did. I'm surprised that this advisor (who claims to be Medicare expert and has a published book on Medicare), reads it differently.

Quite puzzling.
by Small Law Survivor
Tue Jul 25, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account and "Last Month Rule"
Replies: 25
Views: 2447

Re: Health Savings Account and "Last Month Rule"

I consulted a person who is a Medicare professional advisor about the "last month rule". We had an email exchange. I wrote to the consultant : "after studying this I see that the "last month" rule comes with a cost/risk. I need to remain eligible under the HSA (in other word...
by Small Law Survivor
Mon Jul 24, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: 2014 Prius C
Replies: 9
Views: 718

Re: 2014 Prius C

FYI title says 2104


Oops ... :annoyed
by Small Law Survivor
Mon Jul 24, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: 2014 Prius C
Replies: 9
Views: 718

2014 Prius C

We're considering purchasing a 2014 Prius C "2" with around 33,000 miles.

If anyone has owned this car and has a comment or observation on their experience with it, it would be appreciated.
by Small Law Survivor
Mon Jul 24, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 7979

Re: Investing Education and Mansplaining

Thank you for all these thoughtful, insightful and - most of all - humbling comments. You've given me a lot to think about, and really changed my perspective on the issue raised in my original post.

Small Law ...
by Small Law Survivor
Sun Jul 23, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 7979

Investing Education and Mansplaining

Mansplaining - "(of a man) explain (something) to someone, typically a woman, in a manner regarded as condescending or patronizing." "I'm listening to a guy mansplain economics to his wife" (Oxford Dictionary) My 22 year old daughter/recent college grad is very sensitive to this....
by Small Law Survivor
Fri Jul 21, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Pre-Purchase Inspection Services - any good?
Replies: 8
Views: 614

Re: Auto Pre-Purchase Inspection Services - any good?

Yes - this is a car for my college grad daughter, and we have been looking a dealers. When we look on Craigslist for the models she's interested in, we aren't finding them - or if we do (there was one), the person was 40-50 miles away, and s/he didn't even return my text message (the method of commu...
by Small Law Survivor
Fri Jul 21, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Pre-Purchase Inspection Services - any good?
Replies: 8
Views: 614

Re: Auto Pre-Purchase Inspection Services - any good?

I've visited several non-brand auto dealers like this, and all of them have told me that I cannot take the car to my mechanic for an inspection. It seems to be the standard policy at these places. At least once I told the dealer that this was a "red line"/deal breaker, and they said "...
by Small Law Survivor
Fri Jul 21, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Pre-Purchase Inspection Services - any good?
Replies: 8
Views: 614

Auto Pre-Purchase Inspection Services - any good?

Has anyone used one of the auto pre-purchase inspection services? There seem to be several - Lemon Squad (lemonsquad.com) autoappraisal.com yourmechanic.com ... to name just a few based on a quick Google search. I'm thinking of buying a pre-owned car, and the seller doesn't want to let me take it to...
by Small Law Survivor
Tue Jul 18, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account and "Last Month Rule"
Replies: 25
Views: 2447

Re: Health Savings Account and "Last Month Rule"

Artsdoctor - I was enrolled in Medicare until May of this year. That is the period (Jan - May 2017) for which I would make the catch-up contribution. So the "risk" is only part of the year - the first five months. Atgard - thank you, I appreciate the timing of the decision. My law firm wil...
by Small Law Survivor
Mon Jul 17, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Humid basement
Replies: 39
Views: 2660

Re: Humid basement

Agree w/all the pro-humidifier comments here. Been doing that at my house for over 20 years, and it is the most pleasant room in the house.
by Small Law Survivor
Mon Jul 17, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17780

Re: How are folks handling the unprecedented rise in the market ?

I'm retired, and I'm trying to target a 50-50 allocation.

It has drifted up to 53% stocks. I sold 1% today (all U.S.).

Will this make a difference? Likely not, but it makes me feel a little better.
by Small Law Survivor
Mon Jul 17, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account and "Last Month Rule"
Replies: 25
Views: 2447

Re: Health Savings Account and "Last Month Rule"

I will add one further thought to my comments/questions above - My wife will turn 66 in 2018. I believe she can take SS based on her earnings until I turn 70, and then receive (increased) SS in the form of spousal benefits at that time. If she does take SS next year she will have to enroll in Medica...
by Small Law Survivor
Mon Jul 17, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account and "Last Month Rule"
Replies: 25
Views: 2447

Re: Health Savings Account and "Last Month Rule"

Spirit Rider - Was thinking about setting up a separate HSA account for my wife. I think, based on a quick search, that I could do that at Vanguard. However, I'm not sure it's worth the hassle - I have at most four years left to make contributions to this HSA (I can't make any when I trigger SS at a...
by Small Law Survivor
Mon Jul 17, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account and "Last Month Rule"
Replies: 25
Views: 2447

Re: Health Savings Account and "Last Month Rule"

Hmmm ... OK Spirit Rider. I am semi-retired, so my wages are under the SS max wage base. I am 66, so my total HSA contribution this year (after the catch-up) would be $7,750. However, note that I do not have to wait until December to make the catch-up contribution - I could do it via payroll deducti...
by Small Law Survivor
Mon Jul 17, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account and "Last Month Rule"
Replies: 25
Views: 2447

Re: Health Savings Account and "Last Month Rule"

Yes, I withdrew money from my HSA in 2016 after I (a) signed for Medicare A in May (when I turned 65); and (b) realized in mid-September that that had been a mistake. I then withdrew the monies that had been contributed for May - September. So, I've done this, and it was not a big deal - just one co...
by Small Law Survivor
Sun Jul 16, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account and "Last Month Rule"
Replies: 25
Views: 2447

Re: Health Savings Account and "Last Month Rule"

You understand the rule correctly. You need to stay enrolled through 2018. Keep in mind you have until April 2018 to make the contribution to top off the 2017 amount.


Thanks. This does make the decision harder.
by Small Law Survivor
Sun Jul 16, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account and "Last Month Rule"
Replies: 25
Views: 2447

Health Savings Account and "Last Month Rule"

I could not participate in my company's HSA for the first five months of this year because I had signed up for Medicare Part A, and I needed to unenroll. That didn't happen until May, so no HSA contributions were made for the first five months of the year. I recently learned about the "last mon...
by Small Law Survivor
Mon Jul 10, 2017 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 152
Views: 23267

Re: $400,000 Roth Conversions Between Ages 66-69?

I hired the FA to consult with me on the Roth conversion, not to manage my assets, so lower AUM is not a factor. I made it clear I am a DIY investor, and hired him to advise me, period. Yes, I'm concerned about the variable annuity, but no one -- certainly not the FA -- seemed able to deal with that...
by Small Law Survivor
Sun Jul 09, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 152
Views: 23267

Re: $400,000 Roth Conversions Between Ages 66-69?

Well, I am the OP. I was still working in 2016, so I did no Roth conversions in 2016. My original post was a look-ahead to 2017. This spring I did hire a financial advisor to help me brainstorm this decision. He was much more conservative than many of the BHs on this post - his recommendation was to...
by Small Law Survivor
Sun Jul 09, 2017 10:41 am
Forum: Investing - Theory, News & General
Topic: William Bernstein on Meb Faber's podcast
Replies: 54
Views: 6923

Re: William Bernstein on Meb Faber's podcast

You are correct that it leads to the Bernstein recommendation that one first amass 25 years of spending in bonds and then put the rest in stocks. It was 25, by the way, so I don't know how it is down to 15 now. A person can read Bernstein and other advocates of the Liability Matching Portfolio appr...
by Small Law Survivor
Sat Jul 08, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: William Bernstein on Meb Faber's podcast
Replies: 54
Views: 6923

Re: William Bernstein on Meb Faber's podcast

W. Bernstein advocates not having money in stocks that you need for the next 10-15 years. (can't find the exact spot where he says this, but this is my memory - might have been a straight "15 years", and I am adding the "10"). Wow - this is a long time, and very few retirees can ...
by Small Law Survivor
Wed Jun 28, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: HSA with HSA bank (my options?)
Replies: 41
Views: 3095

Re: HSA with HSA bank (my options?)

I've had the HSA/TDAmeritrade combo for many years - it seems fine to me. Not sure what the fees have been at the Ameritrade end, since I very rarely make any changes there. I invested in one fund years ago, and that fund is part of my overall asset allocation.
by Small Law Survivor
Wed Jun 28, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for 24 year old son
Replies: 9
Views: 1321

Re: Roth IRA for 24 year old son

I'm in a similar position with my 23 year old daughter. She is in the 2060 fund now, but I'm thinking about suggesting to her that she move into the total world. VTTSX-2060 is 10% bonds, which seems inappropriate for someone so young. I'm also thinking of suggesting to her that she allocate 2/3 tota...
by Small Law Survivor
Sun Jun 25, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Where to stay/what to do in Seattle
Replies: 18
Views: 1442

Re: Where to stay/what to do in Seattle

Genysus -

StayPinapple was one of the only affordable hotels we found downtown, and it has great service.


Looks like there are two StayPinapple hotels downtown - did you stay at the Maxwell Hotel or the Hotel FIVE?
by Small Law Survivor
Sun Jun 25, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Where to stay/what to do in Seattle
Replies: 18
Views: 1442

Where to stay/what to do in Seattle

Wife and daughter are going to wedding on Bainbridge Island in mid-July, and I'm helping them plan the trip. They will have a couple of days in Seattle before heading off to the wedding. We have no friends or contacts in Seattle, and don't know much about city, so any help/recommendations would be m...
by Small Law Survivor
Sun Jun 18, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 150
Views: 9494

Any BHs Had Experience With the Honda Fit?

[Thread merged into here, see below (next page). --admin LadyGeek] Back in March I posted that I was planning to get my college grad daughter a car after graduation. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=212481 I got a lot of good comments, including this from ValueThinker: Certa...
by Small Law Survivor
Thu Jun 15, 2017 7:09 am
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 5648

Re: Favorite Feature of Vanguard Website?

That retirement calculator isn't useable for many people. Want to retire prior to age 50? Make over $400K? Save over $60K per year? Currently have over $2M saved? Need less than 60% of your current income in retirement? If any of these are true then the calculator isn't workable. How hard would it ...
by Small Law Survivor
Wed Jun 14, 2017 6:30 am
Forum: Forum Issues and Administration
Topic: How to "follow" a thread of BH
Replies: 8
Views: 1148

How to "follow" a thread of BH

I believe someone mentioned how to do this, but I can't seem to figure it out. There are certain threads that, as they fade into the past and off the board, I'd like to be notified if and when additions are made. Could someone remind me how to do this?
by Small Law Survivor
Mon Jun 12, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 96
Views: 7454

Re: HSAs and "Saving Medical Receipts"

Just checking, since you say you're 66. Did you decline Part A Medicare, because if you didn't, you won't be eligible to make a contribution to an HSA. As Jebmike noted, keep your receipts separate. Those already used for tax relief, aren't eligible to be used again. Also, depending on what Medicar...
by Small Law Survivor
Sun Jun 11, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 8398

Re: What Do You Pay for an Oil Change?

Jiffy Lube horror stories are pretty frightening. Glad I asked ... :happy

Small Law Survivor
by Small Law Survivor
Sun Jun 11, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 96
Views: 7454

HSAs and "Saving Medical Receipts"

I have over $80,000 in my HSA at age 66, and I am still contributed to it. My "plan" is to hold for 10 years, at which point it will be $160,000 (if I can get 7% - who knows?). Whatever it is, in our mid-70s I will begin using it for for Medicare premiums for my wife and myself and other q...