Search found 134 matches

by blueberry
Fri Jan 13, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Let's say you are dying this year
Replies: 46
Views: 6539

Re: Let's say you are dying this year

I don't have any sophisticated advice to offer but it is time for your parents to gift to the max! Also, leverage the current laws about basis step up in real estate and stock (don't liquidate before inheriting, then do) - both parties have come out to some extant against the step up so pay attentio...
by blueberry
Wed Jan 11, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 6029

Re: Where do you keep your emergency fund?

I keep cash at CIT bank. They just raised their rate to 1.05% and also are offering a little cash promotion for opening a new account. Secondary would be cds at Andrews as many others here have done, which pay 3% though now only for a 7 year term. Not a bad penalty if you break them (tho I think ter...
by blueberry
Fri Jan 06, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: How many $ to self fund long term care?
Replies: 73
Views: 4953

Re: How many $ to self fund long term care?

Whew what a depressing thread. Let me offer the good news that US life expectancy did decline a bit recently.
by blueberry
Thu Jan 05, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Gaming an Account Hack
Replies: 5
Views: 992

Re: Gaming an Account Hack

There was the scottrade hack, 'massive database hack', 'database also contained emails and Social Security numbers, but Scottrade says it does not believe that data was taken'...sure. I don't want to believe it either! It's great to protect your login information, but server side attacks are where b...
by blueberry
Thu Jan 05, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Wake up lights?
Replies: 11
Views: 1100

Re: Wake up lights?

I loved mine when I was working and living far North. It really helped me do a gradual awakening, and then the birdies chirping for alarm almost made winter mornings like spring...til out of the house and into the dark cold.
by blueberry
Thu Jan 05, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Don't Shoot. Questioning 401k
Replies: 28
Views: 2963

Re: Don't Shoot. Questioning 401k

I'm a recent retiree and I'm really happy to have both taxable and tax deferred accounts. It feels safe and powerful to be able to tweak income and capital gains (or, anticipating this since still < 59), depending on tax rules. I appreciate being able to rebalance my tax deferred account without any...
by blueberry
Wed Jan 04, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Difference between HCOL and LCOL [High and Low Cost of Living]
Replies: 35
Views: 2971

Re: Difference between HCOL and LCOL

I'm not sure if this is generally true about HCOL area but I haven't yet felt it's a mistake to live in HCOL as a home owner because property values are increasing so rapidly. I'm done with expensive daycare and that was bad, but do have high property taxes. Eating out is expensive too, and home rem...
by blueberry
Tue Jan 03, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: You have 5-10 minutes to teach someone about personal finance
Replies: 54
Views: 3949

Re: You have 5-10 minutes to teach someone about personal finance

Put all you can in the s and p while you are young +1 Live well below your means and learn to enjoy and take pride in that. Invest 50/50 fixed income/stock until emergency fund covers 1 year. This conservative approach is best I think for people who are not set to inherit a lot (topic not often bro...
by blueberry
Tue Jan 03, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Long Term Pet Care
Replies: 16
Views: 1255

Re: Long Term Pet Care

This is not to make you feel guilty. But that is a long time in 'dog years' and it kind of seems possible if you are willing to give up your dogs for that long that you are not that much into having dogs. At least in Seattle, where there are more dogs than children (yes it's true), giving dogs up wh...
by blueberry
Tue Jan 03, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Large purchase anxiety!
Replies: 24
Views: 2639

Re: Large purchase anxiety!

I tend to worry a lot before making a large purchase, then move on once the damage is done, haha. I pay cash for things that aren't an investment.

-bb
by blueberry
Mon Jan 02, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 28
Views: 3301

Re: I-bonds

I think it's worth noting that "qualified educational expenses" for I-bond purposes are very limited (tuition and fees) versus 529 qualified educational expenses, which include tuition, room and board, and more.
by blueberry
Sun Jan 01, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: The DIY-529 - seeking feedback
Replies: 18
Views: 1175

Re: The DIY-529 - seeking feedback

I contributed too much and too late to a qualified tuition program (started when she was 13). They are now actually dropping tuition, and she got into a school where she can live at home so didn't need much money. I took out $40000, paid maybe $25 fee and put it in stocks where it did pretty good. T...
by blueberry
Sun Jan 01, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: What are your portfolio/investments?
Replies: 38
Views: 2431

Re: What are your portfolio/investments?

Age 55
Retired

75% stocks in S&P, total US stock
20% fixed income in cash, cds, ibonds, individual municipal bonds, total US bond
5% gold for my inner crack pot

50/50 taxable/tax deferred

-bb
by blueberry
Sat Dec 31, 2016 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the next-door lot - and finance?
Replies: 14
Views: 1832

Re: Should I buy the next-door lot - and finance?

If property values seems to be going up where you are, may be worthwhile. As a buffer, that seems like a lot of money and maybe instead you could put up a nice fence as a buffer for a lot less money and definitely improve your property value (and do it now before the lot is developed so you can make...
by blueberry
Wed Dec 28, 2016 3:18 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 7264

Re: How many of you invest 100% at Vanguard?

I have accounts at scottrade, fidelity, tdameritrade, and merrill edge and move money around to play the promo game. Also, I am kind of shopping for the best place to consolidate to when I don't feel like going for promos. I received $4k in promos this year which wouldn't be worth bothering with for...
by blueberry
Wed Dec 28, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: Any Backyard Chefs out there? Do you have any specialties?
Replies: 25
Views: 1538

Re: Any Backyard Chefs out there? Do you have any specialties?

my favorite lately: trader joes argentine red shrimp marinade of harissa (red pepper sauce) available at trader joes and fresh lime juice save some marinade for dipping marinate for no more than an hour, cook for a few minutes on very high (to get char but still moist) pretty spicy so some plain ric...
by blueberry
Fri Dec 23, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: 12-Month Expenses in Emergency Fund (EF)
Replies: 14
Views: 2010

Re: 12-Month Expenses in Emergency Fund (EF)

I think when you own real estate you have to consider your emergency fund for things that can go wrong with the property that aren't covered by insurance, not just X number of months of normal expenses. With a couple of rentals I don't think 1 or 2 'years of expenses' is wrong.
by blueberry
Sat Dec 17, 2016 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone hiding out in short term CDs while rates rise?
Replies: 47
Views: 4340

Re: Anyone hiding out in short term CDs while rates rise?

Hmm, I've partially completed my Andrews Fed application, and it did offer the 6 mos 3.0% cd, but said $1000 min/$15000 max. I never read in any of the Andrews post where there was a max. Have other gotten around this? Not sure if this is the right thread....
by blueberry
Wed Dec 14, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to those who don't invest?
Replies: 70
Views: 4333

Re: What happens to those who don't invest?

alfaspider wrote:Medicaid nursing homes :shock:


Are they different? My grandma shared a nursing home room, paid for by selling her house, with someone on medicaid. They were treated exactly the same.
by blueberry
Wed Dec 14, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to those who don't invest?
Replies: 70
Views: 4333

Re: What happens to those who don't invest?

Good question. A significant number of people who don't plan nevertheless manage to 'luck out' in life: ...the lottery. Sorry I have to call BS on significant number of peeps winning the lottery! The people I have known who have 'made it' without investing, and I come from a blue collar background ...
by blueberry
Fri Dec 09, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 6081

Re: Ideal two vehicle combo?

Simple. Two 4Runners. Been there, done that, can't touch this...... 8-) Because simple, body-on-frame, 4 door station wagons can do just about everything. Had a stick once, no interest. Had several trucks, don't need them anymore. Don't want to "move people." To each their own.... :shareb...
by blueberry
Fri Dec 09, 2016 5:47 pm
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 6081

Re: Ideal two vehicle combo?

FIREchief wrote:Simple. Two 4Runners. Been there, done that, can't touch this...... 8-)


Redundant vehicles? I don't get that. Have 2 vehicles for different purposes and cover the spectrum. Manual fun driving thing, people mover, awd thing, truck, depending on your life, but why ever 2 of the same.
by blueberry
Fri Dec 09, 2016 5:23 pm
Forum: Personal Consumer Issues
Topic: Ideal two vehicle combo?
Replies: 73
Views: 6081

Re: Ideal two vehicle combo?

Even with my daughter grown (20), I'm having a hard time giving up the minivan. You do get called up to be chauffeur but what one poster said, you learn so much more about your children silently listening as the chauffeur vs. having kids over for birthday parties etc. It's fun! In addition to that, ...
by blueberry
Wed Dec 07, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2670

Re: want to buy property, abandoned trailer on it

I just looked at prop in eastern oregon flagges as former meth lab, very cheap, special action required, and of course cash only. There are inspectors, test kits for meth residue etc. The property is probably fine, ask for the owners explanation of the trailer for better understanding, but definitel...
by blueberry
Wed Dec 07, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: want to buy property, abandoned trailer on it
Replies: 39
Views: 2670

Re: want to buy property, abandoned trailer on it

How confident are you that you would recognize a meth lab if it had been used as one? Not confident at all, never touched drugs, don't even know what they look like. Only seen what I know about meth on PBS. Then again, why else would there be a trailer in the middle of nowhere. Gut tells me somethi...
by blueberry
Thu Dec 01, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: how often to check on accounts for cyber theft?
Replies: 10
Views: 890

how often to check on accounts for cyber theft?

I recently have somewhat centralized my holdings at one brokerage and had the thought that wow if this account was stolen, I'd be in the poor house. That particular brokerage (tdameritrade) has a reassuring sounding but not very specific policy about how you are protected against cyber theft, no max...
by blueberry
Tue Nov 29, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Turning Primary Residence Into a Rental
Replies: 16
Views: 1337

Re: Turning Primary Residence Into a Rental

We are a couple years away from needing to move out of our downtown townhouse. We are a growing family and will need a bit more space in, say, 3-5 years. Even though this decision is a couple years off, I would like to get a head start and prepare/educate myself to decide whether it makes sense to ...
by blueberry
Mon Nov 28, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaires living in lower end neighborhood by choice? Do we move?
Replies: 17
Views: 3542

Re: Buy new or used will do (plus an addition)?

We want to get some opinions on what we should do with our living situation... Details: Family of 6. Current home is 1900 sq. feet, paid off (value $275k), cheap utilities, property taxes, etc. The neighborhood is older (not a lot of young families, some of the homes are rentals, some a little date...
by blueberry
Fri Nov 25, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: do some brokerages do better at buy/sell prices for you?
Replies: 6
Views: 428

Re: do some brokerages do better at buy/sell prices for you?

I have a thread about broker [trade] executions that you should read: https://www.bogleheads.org/forum/viewtopic.php?t=165732 Yes, some brokers give me better trade executions, notably WellsTrade. But if you read the thread the question is "What does 'better' mean?" and there are a few tr...
by blueberry
Fri Nov 25, 2016 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: do some brokerages do better at buy/sell prices for you?
Replies: 6
Views: 428

Re: do some brokerages do better at buy/sell prices for you?

3 brokers (Fido, Schwab, Scottrade) voluntarily provide helpful summarized info. on execution quality in a standardized one-page format. https://fif.com/tools/retail-execution-quality-statistics According to that report, Fido is best followed by Schwab then Scottrade. Also, the link below is a free...
by blueberry
Fri Nov 25, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: do some brokerages do better at buy/sell prices for you?
Replies: 6
Views: 428

Re: do some brokerages do better at buy/sell prices for you?

At Fidelity and Scottrade and TDAmerica, my orders have always happened immediately, and I sometimes do better than the limit. If your orders were executed with price improvement by less than $0.01 or so per share, your marketable order probably was sent by them to a market maker (Citadel, KCG, G1,...
by blueberry
Fri Nov 25, 2016 10:28 am
Forum: Investing - Help with Personal Investments
Topic: do some brokerages do better at buy/sell prices for you?
Replies: 6
Views: 428

do some brokerages do better at buy/sell prices for you?

HI, I was rearranging my portfolio a little (simplifying I promise), at a new to me brokerage (Merill Edge). I did a limit buy order, but equal to the 'ask' value I see on the brokerage. At Fidelity and Scottrade and TDAmerica, my orders have always happened immediately, and I sometimes do better th...
by blueberry
Wed Nov 23, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: Living near a Quarry
Replies: 26
Views: 3247

Re: Living near a Quarry

If you have to ask you know the answer at least as far as resale/investment value. It's a questionable investment.
by blueberry
Wed Nov 23, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: Is U District a good option for renting an apartment in Seattle?
Replies: 10
Views: 1350

Re: Is U District a good option for renting an apartment in Seattle?

I commuted from Redmond to U-dist for many years so reverse from what you want but I'm familiar with all areas. The public bus service between the 2 areas is shockingly limited to 2 routes. If your partner works for Microsoft that is a different story. They have put in place an amazing shuttle syste...
by blueberry
Wed Nov 23, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: recommendations on frugal living forums?
Replies: 18
Views: 4073

recommendations on frugal living forums?

I'm just not satisfied with ibonds and tips as inflation hedges, and think maybe adding more frugal living habits is the best way to beat inflation. Looking for recommendations on forums/websites/etc to help with that.

Thx,
-bb
by blueberry
Tue Nov 22, 2016 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Joint accounts with kids
Replies: 34
Views: 2770

Re: Joint accounts with kids

To my knowledge, making accounts joint with kids is a way to avoid probate but no other advantage. It does make the money available to all parties.
by blueberry
Tue Nov 22, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 219
Views: 21940

Re: Retreat to cash

Having nerves about volatility in the stock market might mean it's time to change asset allocation. Maybe you just need to have more % assets in fixed income (not move 100% out of equities, why so drastic) and you'd not be worried right now. I think it's nice to have a floor that lets me sleep at ni...
by blueberry
Sat Nov 19, 2016 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Rolling over a brokerage account
Replies: 9
Views: 767

Re: Rolling over a brokerage account

HI, You might want to consider transferring to a brokerage that is currently offering a good promotion (and also offers the services you want, fee free trades of etfs you like etc). If you have more than $100k to transfer, there are promotions that seem pretty worthwhile. The often offered free trad...
by blueberry
Tue Nov 15, 2016 10:44 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 228
Views: 22439

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I was transferring from scottrade to tdamerica today to get a promo bonus so had to ask them, ahem, are you guys one company yet? Nope you can still get bonuses doing transfers between, for maybe a year more they will view each other as competitors, then will have unified accounts.
by blueberry
Tue Nov 15, 2016 10:34 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 228
Views: 22439

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I guess this is still in play, extended the date to 3/17, or maybe it did disappear for awhile: https://www.tdameritrade.com/offer/1000brex/index.html You need 250k to get the $1000, but 100k will get you $500, not too shabby. This may be for new accounts only. I did like how they almost immediatel...
by blueberry
Tue Nov 15, 2016 4:24 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 228
Views: 22439

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I guess this is still in play, extended the date to 3/17, or maybe it did disappear for awhile: https://www.tdameritrade.com/offer/1000brex/index.html You need 250k to get the $1000, but 100k will get you $500, not too shabby. This may be for new accounts only. I did like how they almost immediately...
by blueberry
Fri Nov 11, 2016 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Does a car downgrade make sense for me?
Replies: 19
Views: 1971

Re: Does a car downgrade make sense for me?

It sounds like you really use and enjoy the truck. If there's any way you can use public transportation, you might find you enjoy it. I switched to taking the bus when my commute became tolled and once I was used to the bus schedule the commute became an enjoyable part of the day. A little exercise ...
by blueberry
Fri Nov 04, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: ACA income shuffle
Replies: 33
Views: 3826

Re: ACA income shuffle

You should just make sure any moves you make to avoid the higher premiums don't leave you worse off net. That said, can you switch allocations between tax deferred and taxable in a helpful way? e.g. move stocks to tax deferred and bonds to taxable, and make those bonds munis? But again, with lower ...
by blueberry
Fri Nov 04, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: ACA income shuffle
Replies: 33
Views: 3826

Re: ACA income shuffle

I guess this is what happens when the subsidy is determined only by income and not by assets. Things like the FAFSA and Medicaid are annoyingly complex, but at least they look at both of these two mostly fungible assets. Medicaid (state version) in my state WA does not look at assets, and to my kno...
by blueberry
Fri Nov 04, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Health Insurance Premiums for 2017
Replies: 79
Views: 6403

Re: Frustrated with Health Insurance Premiums for 2017

Addendum, while I was raising kids I carefully selected my employment based on good insurance benefits. Kids gone now and ACA serves me well. Free market types should appreciate that. Be smart about employment benefits, and if you still want the luxury and independence of self-employment, you have m...
by blueberry
Fri Nov 04, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Health Insurance Premiums for 2017
Replies: 79
Views: 6403

Re: Frustrated with Health Insurance Premiums for 2017

with health insurance premium, all the money is going down the drain. Let's be clear, what ACA brought us isn't insurance anymore. No one should expect to collect on an insurance policy. I feel your pain. :( Huh? It functions as insurance for me just as when I had employer supplied insurance. Yeah,...
by blueberry
Wed Nov 02, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: I - Bonds - converting
Replies: 13
Views: 1208

Re: I - Bonds - converting

Isn't the answer to this, no, don't sell and buy new i-bonds when the fixed rate is as low as it's ever been. The current fixed rate is 0, which -I think- is as low as it can be and definitely is as low as it's been, so you either already have i-bonds as good as the current ones you can buy, or bett...
by blueberry
Sun Oct 30, 2016 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 11626

Re: 2017 ACA plan previews

Not counting assets is a big mistake by the ACA. That would make plans more affordable to change that though many will be disappointed. I see a lot of $1m+ net worth early retirees getting silver plans for next to nothing. That is insane. Maybe that is too political. In any case I am picking my pla...
by blueberry
Fri Oct 28, 2016 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to Avoid Paying Taxes if You're UHNW [Ultra High Net Worth]
Replies: 73
Views: 11077

Re: How to Avoid Paying Taxes if You're UHNW

"How to Avoid Paying Taxes if You're UHNW" - where is the emoticom for someone barfing?

Go to advanced search