Search found 109 matches

by maria00200
Sun Jun 24, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7618

Re: Trust Help From Cruel Stepmother

Unfortunately I know this is a common situation and I am sooo sorry to read how devastated stepchildren are when the stepmother takes everything, especially when it was intended to go to the children. Just a small glimpse into our horrific ordeal: We had to find out the date and location of our dad...
by maria00200
Sat Jun 23, 2018 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7618

Re: Trust Help From Cruel Stepmother

Sorry for your loss. With all due respect, that is his wife and partner of almost 20 years. If he wanted to leave his estate to her, then so be it.
by maria00200
Sat Jun 23, 2018 7:15 am
Forum: Investing - Help with Personal Investments
Topic: ETFs
Replies: 11
Views: 897

Re: ETFs

[/quote] I agree with what others have said: this portfolio seems "fine" but has probably more funds than is needed to achieve the same result. The following four-fund portfolio will give you just as much diversification, with less complexity. SCHB (Schwab US Broad Market ETF) 65% SCHF (Schwab Inter...
by maria00200
Fri Jun 22, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs
Replies: 11
Views: 897

Re: ETFs

Thanks for the replies so far. Very helpful.
by maria00200
Fri Jun 22, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: ETFs
Replies: 11
Views: 897

Re: ETFs

Oops, I fixed it, now it’s 100% haha. No other holdings.
by maria00200
Fri Jun 22, 2018 6:59 am
Forum: Investing - Help with Personal Investments
Topic: ETFs
Replies: 11
Views: 897

ETFs

Can you tell me if my portfolio of ETFs is diversified enough or are any overlapping and not necessary? Also, am I missing anything? Any suggestions would be appreciated. Thanks. SCHX (US Large cap) 55% SCHF (International equity) 10% SCHA (US Small cap) 10% SPMD (US Mid cap) 10% SCHE (Emerging mark...
by maria00200
Sun May 27, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: When and how often do you rebalance
Replies: 52
Views: 3955

Re: When and how often do you rebalance

What if you add money to your portfolio weekly or bi-weekly? That means you would be rebalancing every time you add funds.
by maria00200
Tue May 22, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolio
Replies: 18
Views: 1649

Re: Schwab Intelligent Portfolio

OP here. Thanks for the replies. I decided I’ll keep the SIP open as an experiment and see how it goes. I did want to add that another reason I don’t want a DIY 3 or 4 fund portfolio that I rebalance myself is to make my accounts easier for my beneficiary after I pass, so it’s either a robo account ...
by maria00200
Tue May 22, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolio
Replies: 18
Views: 1649

Schwab Intelligent Portfolio

So I opened up an account with Schwab Intelligent Portfolio. I'm not sure if I'm liking it so far. I like that there are no fees other than the ETF fees themselves, but even with the most aggressive portfolio, the mandatory cash reserve is 6%. Also, it's diversified in about 20 ETF's. Is that a good...
by maria00200
Sun May 13, 2018 6:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Mother's Day
Replies: 4
Views: 585

Re: Happy Mother's Day

Thank you :sharebeer
by maria00200
Sat May 05, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Beneficiaries at Vanguard
Replies: 3
Views: 572

Re: Beneficiaries at Vanguard

mouses wrote:
Sat May 05, 2018 4:06 pm
Can you put (my son) after his name?
Good idea thanks :-)
by maria00200
Sat May 05, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Beneficiaries at Vanguard
Replies: 3
Views: 572

Beneficiaries at Vanguard

For my Vanguard accounts (retirement and non retirement brokerage accounts) I have my son as my sole beneficiary. I have a complicated situation because I have step kids too so just to be safe I put his name and birthdate on the beneficiary form (instead of checking my descendants). Nowhere on there...
by maria00200
Tue Feb 06, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Stay the course?
Replies: 65
Views: 7795

Re: Stay the course?

Thanks for all the input! I’m just going to keep contributing and ignore the noise as suggested. ;-)
by maria00200
Tue Feb 06, 2018 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course?
Replies: 65
Views: 7795

Re: Stay the course?

Thanks. I’m not even going to check my balance then. Don’t wanna know. :shock:
by maria00200
Tue Feb 06, 2018 6:23 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course?
Replies: 65
Views: 7795

Stay the course?

Newbie investor here and never had to deal with the market tanking like yesterday. I have a target date 2045 fund so it’s pretty much 90/10, but we are about 25 years away from retirement. Am I supposed to just leave it alone and don’t tinker with it or is a target date fund this heavy in stocks a b...
by maria00200
Thu Dec 28, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to financially assist DD to help continue her Obamacare
Replies: 54
Views: 4322

Re: How to financially assist DD to help continue her Obamacare

1.) I’m pretty confident there is no minimum amount of income to qualify for Obamacare. In other words, you can make $1 and still get Medicaid.
2.) Pre-existing conditions are covered by every insurance company in the U.S. now, Obamacare or not.
Someone correct me if I’m wrong.
by maria00200
Sun Dec 17, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Overnight guests
Replies: 15
Views: 1979

Re: Overnight guests

Agree with other suggestions on discussing with husband. In some areas it is common for people who commute long distance to rent room locally and stay there 2-4 nights a week. Maybe he needs to find an arrangement like that. I would feel same as you but would want to make it clear that in an emerge...
by maria00200
Sun Dec 17, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Overnight guests
Replies: 15
Views: 1979

Re: Overnight guests

Thanks for all the replies so far. Having them go out for dinner first before coming home is a good idea, but the lack of privacy is what bothers me the most, not so much the food, or him using stuff. I’ll take the suggestion to talk it over with my spouse and make a decision, then he has to talk to...
by maria00200
Sun Dec 17, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Overnight guests
Replies: 15
Views: 1979

Overnight guests

I realize this doesn't have to do with investing, but in a way it has to do with finances so I thought I'd ask all the smart people on this forum. My husband and his (male) cousin work together, and his cousin lives a far drive from work (about an hour and a half). Sometimes (which seems quite often...
by maria00200
Thu Dec 14, 2017 2:38 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Guided Solutions - Spouse is Employee
Replies: 37
Views: 3424

Re: Edward Jones Guided Solutions - Spouse is Employee

The only logical solution is for your wife to get another job. Admin Assistants are in demand and this shouldn’t be a problem.
by maria00200
Sat Dec 02, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 50
Views: 5349

Re: Pet insurance?

I was going back and forth for awhile now trying to decide on whether to get pet insurance for my Australian cattle dog/Bordie collie mix. I finally decided (after comparing the different companies) to go with Healthy Paws. My only concern is that I heard premiums go up significantly higher as the d...
by maria00200
Tue Oct 17, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 6192

Re: Best way to make some dollars on a 10 day vacation?

Buy a match.com membership. Find a girlfriend. You won’t be wondering what to do with your time anymore. :sharebeer
by maria00200
Tue Oct 17, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 46
Views: 3739

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

Are you sure your nephew doesn’t want to rethink going there at this time? My husband’s family lives there, and the little communication we had with them so far wasn’t good. No water, no power, very spotty phone service only in San Juan if you’re lucky, very long lines just to get gas or groceries. ...
by maria00200
Sun Oct 08, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 3078

Re: Spouse gets blowouts?

:sharebeer
by maria00200
Fri Oct 06, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 5547

Re: Trying to convince my sister not to use a financial advisor

Did your sister ask for your advice? Yes she did ask me for input, which is why I don't understand why she won't take my advice. Anyhow, I tried explaining to her, I tried doing a graph showing all the fees with the advisor vs without, she still won't budge. I give up. I guess her advisor will be e...
by maria00200
Thu Oct 05, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 5547

Re: Trying to convince my sister not to use a financial advisor

Vanguard will do this for 0.3%. Schwab will do this in Schwab ETF's for free. There are others like Betterment and so forth. There is no reason to pay 1.4%. Why not get her to have a managed account, but just much much cheaper? These are all examples I used but she just doesn't get it. It's frustra...
by maria00200
Thu Oct 05, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 5547

Trying to convince my sister not to use a financial advisor

:oops: My sister has $100k to invest and has an appointment tomorrow to wrap up the paperwork with a financial advisor who promised her a portfolio of Vanguard ETFs that he will balance for her, for a small fee of 1.4%! I told her to run and just open up an account herself on Vanguard and do it hers...
by maria00200
Wed Oct 04, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1723

Re: Dish network

Yes I tried Sling tv but it doesn't have animal planet or Discovery :-(.. Otherwise I would have stayed with them.
by maria00200
Wed Oct 04, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1723

Re: Dish network

Thanks for the input! It never occurred to me that I could always watch DVR recorded shows or on demand (I think) during a service interruption! Haha.
by maria00200
Wed Oct 04, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1723

Dish network

I've never had any kind of satellite service for tv and have been contemplating it. Dish network seems to be cheaper, but my question is how reliable is Dish as far as weather? Does it go out during rain, wind, snow? I really don't want something that won't work any time the weather is not so good.
by maria00200
Mon Oct 02, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 9621

Re: What will happen if I refuse to pay a medical bill?

Something similar happened to me. I was told by my primary doctor's office that their "weight loss clinic and nutritional services" were covered by my insurance plan. Well I went and then got a bill by my insurance company. Insurance company stated that they do not cover that. I was livid because it...
by maria00200
Fri Sep 29, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Need help with investing $100k
Replies: 3
Views: 662

Need help with investing $100k

I need the assistance of all the wise Bogelheads today. My sister has $100k she wants to sock away somewhere safe. She wants a good rate on it, and let it sit for about 10 years, but also she wants to be able to take out some of it only in an emergency without getting slammed with fees. I suggested ...
by maria00200
Tue Sep 26, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 8357

Re: Tipping question....Applebees

In my mind I always try and calculate the server's hourly wage. I assume just six tables every hour, all with the exact same check as mine just to make averaging easy. If I had a $100 pretax bill, then the server is making $90/hr based on a 15% tip. $60/hr based on 10%. $30/hr based on 5%. I just g...
by maria00200
Tue Sep 26, 2017 5:13 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 8357

Re: Tipping question....Applebees

The main problem is that Americans still tip. Tipping is an antiquated and unnecessary step in the dining experience that adds zero value. It creates big disparities in pay between the front and back restaurant staff. It's because servers get paid 2 bucks an hour. In every other country in the worl...
by maria00200
Sun Aug 13, 2017 5:15 am
Forum: Personal Finance (Not Investing)
Topic: Personal Loan?
Replies: 19
Views: 1841

Re: Personal Loan?

Yes we are contributing 6% to retirement to get my 3% match. I didn't want to forgo the retirement contribution given I am in my mid thirties and we only have $80K saved so far since I started working about 3 years ago. I am currently contributing about $498 per paycheck on my retirement per month ...
by maria00200
Sat Aug 12, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Personal mortgage loan
Replies: 16
Views: 1174

Re: Personal mortgage loan

The goal was he does not qualify for a mortgage right now, so I was thinking of helping out maybe.
by maria00200
Sat Aug 12, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Personal mortgage loan
Replies: 16
Views: 1174

Re: Personal mortgage loan

Thanks. For all the parents out there, am I foolish for wanting to charge a lower interest rate for my son? Should I be doing just the regular rate for him? I'm curious how other parents do this in a similar situation.
by maria00200
Sat Aug 12, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Personal mortgage loan
Replies: 16
Views: 1174

Re: Personal mortgage loan

I see. What are you allowed to give as a gift annually? (Without incurring any tax fees).
by maria00200
Sat Aug 12, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Personal mortgage loan
Replies: 16
Views: 1174

Personal mortgage loan

I had a question regarding doing a personal mortgage loan to my adult child. Let's say for example I wanted to loan him $60k to help out for a house. (We are in New York). I would need to make it an official loan with signed paperwork through an attorney. Does anyone know if I have to follow whateve...
by maria00200
Tue Aug 08, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 9435

Re: kids think lazy if retire?

I'm 46, with a teenager, and stopped working for a few years, not because of a disability, I just chose to. All I know is I'm more busy now than when I used to work. Honestly I don't know how you're finding time to sit around and watch movies. Please tell me your secret!! Lol. Between house chores, ...
by maria00200
Wed Jun 28, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 17560

Re: How did you handle the costs of your child's wedding?

My 1st wedding - spent thousands and thousands of dollars, reception at a fancy hall, expensive dress, all the luxuries, marriage ended in divorce.
My 2nd wedding - wore a plain dress, simple ceremony, afterward a backyard BBQ with close family, all under $200. Been happily married since.
by maria00200
Wed Jun 28, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 33018

Re: Early Retirement - what to do about healthcare?

The Affordable Care Act is based on income. You need enough income to avoid Medicaid but not so much income that you don't qualify for a generous subsidy from the government. 401k money counts as income. In my case, I will report income of approximately $35,000. This is from my wife's job and inves...
by maria00200
Fri Jun 02, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 8084

Re: Pet insurance for new puppy

Definitely get dog insurance but not just any insurance, it should be catastrophic insurance. You'll see some insurance companies advertise they pay for partial wellness program, shots, etc.. [...] We have our insurance through Trupanion and when she was a puppy at 10 weeks old I got her the insura...
by maria00200
Fri Jun 02, 2017 5:14 am
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 8084

Re: Pet insurance for new puppy

Definitely get dog insurance but not just any insurance, it should be catastrophic insurance. You'll see some insurance companies advertise they pay for partial wellness program, shots, etc.. [...] We have our insurance through Trupanion and when she was a puppy at 10 weeks old I got her the insura...
by maria00200
Sat May 27, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: carpet beetles (varied carpet beetle)
Replies: 16
Views: 2626

Re: carpet beetles (varied carpet beetle)

We had a similar problem. I'm not sure if they were carpet beetles or what but they looked similiar to a fruit fly but a tiny bit bigger. Whatever they were, I was very upset. This is what we did: 1.) identify the source and eliminate. In our case, it was an old box of dog treats I had in the back o...
by maria00200
Fri May 12, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Disabled and Need Good Advice
Replies: 16
Views: 2341

Re: Newly Disabled and Need Good Advice

I would also sit down and go through each and every bill you have, one by one, and see if you can shave as much as you possibly can from each bill. Tv/internet - downgrade to the lowest package or no tv and just use an antenna for locals and Netflix/internet. For phones either just a home phone or n...
by maria00200
Fri May 12, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 5876

Re: Price for brakes and rotors?

That quote is mostly labor costs. If you're in the New York area, my husband can do it for half the price! 8-)
by maria00200
Thu May 11, 2017 6:56 am
Forum: Personal Finance (Not Investing)
Topic: title of my home in my name but I'm remarried
Replies: 30
Views: 3760

Re: title of my home in my name but I'm remarried

well the reason why I wanted it to go to my child is because when I got the house in 2003, my mom helped me with a big chunk of the down payment, and it was her wish for the house to go to my kid when I pass. So this complicates things now. I will have to work something out and have a long talk with...
by maria00200
Wed May 10, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: title of my home in my name but I'm remarried
Replies: 30
Views: 3760

Re: title of my home in my name but I'm remarried

Thanks all for the replies. Yes, both lawyers I talked to specialize in estate planning, wills, etc. which is why I was confused. I think what I will do is look up a different attorney that has been in business for a long time so they know what they're talking about, and see what they say. In the m...