Search found 195 matches

by kmurp
Sat Apr 22, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: 2017 Mazda CX-5 vs. 2017 Honda CRV
Replies: 17
Views: 1817

Re: 2017 Mazda CX-5 vs. 2017 Honda CRV

We have the prior generation crv. We picked it primarily due to the large cargo volume which really comes in handy for us ( it replaced a minivan). If that's important to you, go crv. If not, pick the one you like. As an aside, rented a Mazda 3 for a week recently in California and it was a much nic...
by kmurp
Mon Apr 17, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Home Insurance Premium - How to decrease.
Replies: 41
Views: 3569

Re: Home Insurance Premium - How to decrease.

$1100 on a 500k home seems pretty reasonable. I pay that much for a 300k home after shopping around last year and switching everything from Geico to Liberty Mutual.
by kmurp
Sun Apr 16, 2017 5:07 am
Forum: Personal Consumer Issues
Topic: Insurance, doctors and writing off owed money
Replies: 21
Views: 1759

Re: Insurance, doctors and writing off owed money

I believe that the doctor is taking a risk with the insurance company by not pursuing the bill as he is contracted with them to do so. Medicare, for example, frowns on this.
by kmurp
Thu Apr 13, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: 529/son got accepted to medical school whahoooo!
Replies: 30
Views: 3116

Re: 529/son got accepted to medical school whahoooo!

Put it in bonds or an age based fund if they have it.
by kmurp
Tue Apr 04, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed Gifting a car to a daughter who is moving out of state
Replies: 12
Views: 601

Re: Advice needed Gifting a car to a daughter who is moving out of state

She will need insurance as well. When I did this last year (ny to mass), we had to take her off our family policy and she had to get her own mass based policy.
by kmurp
Fri Mar 31, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Health Insurance two states NY and NM
Replies: 8
Views: 632

Re: Health Insurance two states NY and NM

Agree on the PPO. Our plan is with a local non profit insurer in upstate ny but our plan has a national network rider that is widely accepted. I know it's accepted in Boston where my daughter lives (she's on our plan).
by kmurp
Mon Mar 27, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: NYS medicaid Pre 65 - no asset test?
Replies: 17
Views: 992

Re: NYS medicaid Pre 65 - no asset test?

In my area of upstate NY we have a very strong locally run Medicaid managed care program. I don't think getting care is a problem at all around here. We are in an area that's large for this region. Plenty of docs to see. Most hospitals own medical practices and all of those accept Medicaid.
by kmurp
Sun Mar 26, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 2874

Re: thoughts on in-ceiling speakers?

Our in ceiling speakers stopped working maybe five years after installation. Would never do it again.
by kmurp
Wed Mar 22, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 194
Views: 21418

Re: Gross Yearly Income needed in Retirement (Speculation)

Just started tracking expenses but I hope to have post tax around 37% of my current gross income.
by kmurp
Mon Mar 20, 2017 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Getting company to change 401k custodian
Replies: 15
Views: 754

Re: Getting company to change 401k custodian

Likely it's the plan advisor who may be working under an AUM model. It would be interesting to find out which level of fiduciary responsibility they are operating under. The best bet would be to lobby for a three fund portfolio to be added. I would not accept high ER index funds. Try to find out who...
by kmurp
Wed Mar 15, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help with measly 401k options
Replies: 9
Views: 483

Re: Help with measly 401k options

I didn't know retirement accounts used class C shares of mutual funds. I'd use the index fund.
by kmurp
Wed Mar 15, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 104
Views: 6438

Re: What to do with all these passwords ?

So with 1password: if the passwords are not stored in the cloud, how do you access them from your iPhone /iPad ? Also, does it work with stand alone apps or just browsers?
I'm using apple keychain at the moment.
by kmurp
Tue Mar 14, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 43
Views: 6370

Re: Is the Vanguard Balanced Index Fund all you need?

I think this fund or something similar with a lower equity exposure. I know from experience that I too often don't rebalance.
by kmurp
Sun Mar 12, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: 2017 Honda CRV: anyone shopping or buying?
Replies: 26
Views: 2945

Re: 2017 Honda CRV: anyone shopping or buying?

We have a 2012 crv. The main reason we picked it is that it had the largest cargo capacity in its class. If the new one is still the largest in that area, that can be an important consideration for some people.
by kmurp
Sat Mar 11, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: On Buying Used Cars and Using a Financial Advisor
Replies: 51
Views: 3496

Re: On Buying Used Cars and Using a Financial Advisor

I do not use a paid advisor though I do check in once a year or so for a discussion with Lincoln Financial who runs the retirement program where I work and with an advisor from TIAA where I have funds from a previous retirement plan. There is no charge for reviewing my situation with Lincoln or TIA...
by kmurp
Sat Mar 11, 2017 7:17 am
Forum: Investing - Help with Personal Investments
Topic: AQR in 401k
Replies: 4
Views: 355

Re: AQR in 401k

There are many of us who invest heavily with AQR. It all comes down to whether you understand the value they provide. Which I don't really. Which is why I'm asking. I'm just looking for a non correlated asset category that wouldn't violate my fiduciary responsibility and would add value to our part...
by kmurp
Sat Mar 11, 2017 12:46 am
Forum: Investing - Help with Personal Investments
Topic: AQR in 401k
Replies: 4
Views: 355

AQR in 401k

I am one of the trustees of our small company 401k. I believe that we have access to AQR through our platform but we do not currently use any of their funds in our menu. I don't know if the minimum investment available to us is practical either as I've not investigated that. That said, is there an A...
by kmurp
Thu Mar 09, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 271
Views: 38081

Re: Physician Retirement Savings

Honestly, when I started out, I had no idea of what my $ goal should be. I was unaware of any calculator that would figure that out based on my then income. As an aside I have never come close in inflation adjusted income to many of the people posting here and as my income is higher over the past fi...
by kmurp
Tue Mar 07, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9991

Re: GEICO auto rates vs. USAA: too good to be true?

Longtime Geico customer who switched to Liberty Mutual last year. I did so because I'm saving $ over Geico. As was stated earlier, shop your policies around every few years. It is a pain though with homeowners and umbrella to do as a package.
by kmurp
Tue Mar 07, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Searched forum, unsuccessful, how to find doctors who take Medicare
Replies: 62
Views: 3202

Re: Searched forum, unsuccessful, how to find doctors who take Medicsre

Many hospitals employ physicians. Call your local hospitals for access.
by kmurp
Tue Mar 07, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: At what age did you drop life and disability insurance?
Replies: 56
Views: 3623

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

I'm 59 and haven't dropped anything. Level term policy expires at 65 so I will end it then. Will pay for disability with post tax $ for the first time this year.
by kmurp
Mon Mar 06, 2017 6:20 am
Forum: Investing - Help with Personal Investments
Topic: Think I'm ready, but not overly confident
Replies: 28
Views: 2904

Re: Think I'm ready, but not overly confident

Perhaps you should change your asset allocation in your tax deferred accounts to something more conservative that will be appropriate. Vanguard adds tips to its target retirement funds (I believe ) at your age which would help with your inflation fears. As to Roth conversions , if it were me, I woul...
by kmurp
Sun Mar 05, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Think I'm ready, but not overly confident
Replies: 28
Views: 2904

Re: Think I'm ready, but not overly confident

As your expenses will be covered by pension/SS, I imagine that I'm not the only one wondering what exactly is your source of uncertainty.
by kmurp
Fri Mar 03, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Single-Payment Annuities
Replies: 11
Views: 940

Re: Single-Payment Annuities

The 5 year period certain annuity at immediate annuities.com says it only pays for 5 years. Quote: "A 5 Year Period Certain annuity pays income for 5 years. It does not pay for your lifetime. If you die during the 5 year period, your beneficiaries receive this income for the remainder of the te...
by kmurp
Tue Feb 28, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Pulling the trigger on new minivan or wait?
Replies: 29
Views: 1580

Re: Pulling the trigger on new minivan or wait?

Get the new car. Quit driving your kids around in something that's falling apart.
by kmurp
Fri Feb 24, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Selling inherited stocks question, cost basis??
Replies: 10
Views: 759

Re: Selling inherited stocks question, cost basis??

I believe it's the value on the date of death that is used as the cost basis.
by kmurp
Fri Feb 24, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: new study on Investor behavior being disconnected from financial theory and reality
Replies: 89
Views: 5839

Re: new study on Investor behavior being disconnected from financial theory and reality

Cycling duo It's truly one of the great puzzles in finance, why people prefer dividends, which is why there are so many papers on the subject, yet no matter how much we try to educate people many cannot overcome their framing problems/biases. Larry We just inherited a portfolio from one parent fill...
by kmurp
Fri Feb 24, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Just opened my Vanguard account
Replies: 7
Views: 824

Re: Just opened my Vanguard account

I'm in a similar boat at the OP but with a different short term saving goal. I opened a vanguard account and purchased CDs therefor the majority of the funds with a small amount in a limited term bond fund. So I basically agree with the CD strategy above.
by kmurp
Thu Feb 23, 2017 6:52 am
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 88
Views: 6179

Re: Market Run Ups - Now vs. Then

Feels the same to me. Like you, I'm better diversified than I was in 2000. That said, whenever I have started to feel more secure with my portfolio in the past (1999 and 2007), and have at the same time felt some regret at missing out on some of the run up , we were at a top. All this early retireme...
by kmurp
Wed Feb 22, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Open vanguard CD Order
Replies: 29
Views: 1715

Re: Open vanguard CD Order

So I assume from the subsequent posts that you must be buying new issue CDs? Secondary CDs should still fill promptly, because otherwise the offer may not be there. I've never purchased a new issue CD. I'm specifically not buying large round numbers, so there are always better deals in the secondar...
by kmurp
Wed Feb 22, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Open vanguard CD Order
Replies: 29
Views: 1715

Re: Open vanguard CD Order

Ok thanks. I'll wait it out.
by kmurp
Wed Feb 22, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Switching from target retirement
Replies: 10
Views: 651

Re: Switching from target retirement

Don't forget to check once a year to rebalance, perhaps to an age appropriate asset mix. You could do this by comparing your mix to a couple of appropriate target retirement funds each year.
by kmurp
Wed Feb 22, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Real estate vs debt payments
Replies: 34
Views: 2315

Re: Real estate vs debt payments

I would buy it. If nothing else, it will likely be a good investment given a long enough holding period. BTW are you an anesthesiologist?
by kmurp
Wed Feb 22, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Open vanguard CD Order
Replies: 29
Views: 1715

Open vanguard CD Order

How long does it usually take for a brokered CD order to fill with Vanguard? I placed an order on 2/15/17 for four brokered CDs and it still shows two of them as not filled. I don't see an option to cancel these two open orders so I could try another CD that might fill.
by kmurp
Mon Feb 20, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 44
Views: 3590

Re: Utility Bills - How do ours compare?

Upstate NY. Looks like we average around $200/month for just gas and electric on a 2300 sq foot home with a newer HVAC system. House is 1961 but has new windows. We pay about $20 per month for trash. Not sure about water. Don't track it.
by kmurp
Sun Feb 19, 2017 7:36 am
Forum: Investing - Help with Personal Investments
Topic: 2 year investment
Replies: 7
Views: 561

Re: 2 year investment

If I needed money for certain in two years I would put it in CDs. That's in fact what I AM doing. In your case, it would be stable value no question.
by kmurp
Thu Feb 16, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella 1 million $500
Replies: 32
Views: 2427

Re: Umbrella 1 million $500

DSInvestor wrote:Call around. GEICO charges me $130 for my $1M umbrella policy. My auto and home are also with GEICO and auto is at 300/300.
Hard to generalize. I was $500 per year at Geico last year and the same this year at Liberty Mutual.
by kmurp
Mon Feb 13, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - How much is too much?
Replies: 11
Views: 1151

Re: Homeowners Insurance - How much is too much?

Price out another quote or two online. Try progressive or Amica.
by kmurp
Sat Feb 11, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Putting 1 million to work short term (3-4 years))
Replies: 14
Views: 2584

Re: Putting 1 million to work short term (3-4 years))

You could look at portfolio visualizer (the site) to get an idea of how that might work. When I plugged in the numbers it looked like it went down around 13% during the crash so that was the worst since 1987.
by kmurp
Sat Feb 11, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Paid Up Additions life insurance
Replies: 2
Views: 232

Paid Up Additions life insurance

I searched but couldn't find a specific answer. I have two whole life policies that I've held for many years. They have accumulated cash value and the dividends have purchased paid up additions. My question is this: if I were to take out the cash value, would the paid up additions remain in force wi...
by kmurp
Fri Feb 10, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: Best way to present to my employer a switch to vanguard
Replies: 24
Views: 1443

Re: Best way to present to my employer a switch to vanguard

Is there a way that vanguard could pass on the administrative costs to the employees? yes - but the fees can be pretty steep depending on the current assets in the plan as well as what you want "bundled" in like TPA services and fiduciary issues. The cheapest bundled rate I have seen for ...
by kmurp
Thu Feb 09, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: Best way to present to my employer a switch to vanguard
Replies: 24
Views: 1443

Re: Best way to present to my employer a switch to vanguard

Is there a way that vanguard could pass on the administrative costs to the employees?
by kmurp
Fri Jan 27, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion question
Replies: 16
Views: 940

Re: Roth conversion question

You are right. I will make a few phone calls.
by kmurp
Fri Jan 27, 2017 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion question
Replies: 16
Views: 940

Re: Roth conversion question

I have not yet opened this account. Do all online brokers handle this the same way or are there a subset of them I should be looking at? Currently, I'm looking at either Fidelity or Merrill Edgeand am hesitant with Vanguard due to some reports of service issues.
by kmurp
Fri Jan 27, 2017 5:40 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion question
Replies: 16
Views: 940

Roth conversion question

I searched but didn't see an answer. When I convert a new ira to a Roth , what happens to the old regular IRA account? Do I keep it open for next years deposit? Do I incur a fee from the brokerage for an ira with no balance? Or do I close the regular ira and create a new one next year for the purpos...
by kmurp
Thu Jan 26, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Refusing to sign or altering hospital billing admission forms?
Replies: 79
Views: 6095

Re: Refusing to sign or altering hospital billing admission forms?

"Modify or cross out billing sections with a phrase such as: "I will only pay Medicare rate for any billed service." (Or instead of Medicare rate, 2x Medicare rate or you agree to pay no more than the in network rate for the largest commercial insurance carrier in your region.)" ...
by kmurp
Mon Jan 23, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: HELP ! Letter from NY on State income tax
Replies: 22
Views: 2238

Re: HELP ! Letter from NY on State income tax

New York lost our tax return one year. Since then we have always sent it registered mail.
by kmurp
Wed Jan 18, 2017 5:27 pm
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 85
Views: 35525

Re: How to use Vanguard Portfolio Watch for rebalancing

livesoft wrote:
kmurp wrote:Does the vanguard tool accurately track individual bonds? I hold some of these at Fidelity and Fidelity has a Morningstar like graphic that shows average duration and credit quality of the whole bond portfolio.

No.

Man you are fast! And thank you.
by kmurp
Wed Jan 18, 2017 5:17 pm
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 85
Views: 35525

Re: How to use Vanguard Portfolio Watch for rebalancing

Does the vanguard tool accurately track individual bonds? I hold some of these at Fidelity and Fidelity has a Morningstar like graphic that shows average duration and credit quality of the whole bond portfolio.
by kmurp
Wed Jan 18, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: 2010 Honda Accord Question
Replies: 9
Views: 890

Re: 2010 Honda Accord Question

We have 2008 accord. Trouble free but we find the front seats uncomfortable.

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