Search found 650 matches

by patriciamgr2
Sat Apr 23, 2016 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly Financial Analysis--Where to Find
Replies: 16
Views: 1445

Re: Hourly Financial Analysis--Where to Find

Biffer: That's an excellent point & the initial contacts I made (before posting) confirmed that none of those advisors had any interest in a one-off, billed-by-the-hour project. Also, there aren't many advisors in our area. I'm trying to assemble a list of virtual advisors (I'd be ok with that; ...
by patriciamgr2
Sat Apr 23, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly Financial Analysis--Where to Find
Replies: 16
Views: 1445

Re: Hourly Financial Analysis--Where to Find

Thanks to all for the helpful suggestions.
by patriciamgr2
Thu Apr 21, 2016 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Hourly Financial Analysis--Where to Find
Replies: 16
Views: 1445

Hourly Financial Analysis--Where to Find

I know most of us are DIYers, but a friend needs someone to analyze her family's current financial situation & advise on (1) using workplace savings plans & IRAs; (2) college savings (529s & strategies to maximize financial aid eligibility); and (3) whether retirement savings are on trac...
by patriciamgr2
Thu Apr 21, 2016 6:16 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri to start robo advisor business
Replies: 10
Views: 4669

Re: Rick Ferri to start robo advisor business

OP: Is an edit of the title in order?

PS Good to hear from Rick Ferri. I always appreciate his input on this Forum.
by patriciamgr2
Wed Apr 20, 2016 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off, when can I file for unemployment?
Replies: 44
Views: 4576

Re: Got laid off, when can I file for unemployment?

I'm pretty conservative even though I don't use health insurance much currently. In my own mind, I envision being protected if I were to be hit by an uninsured driver while I'm out on my bicycle. I would want access to the best ortho surgeons, rehab, etc. I don't have time to read the linked county ...
by patriciamgr2
Wed Apr 20, 2016 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Got laid off, when can I file for unemployment?
Replies: 44
Views: 4576

Re: Got laid off, when can I file for unemployment?

Epsilon Delta: thx for sharing that helpful information. great post for those leaving a job. Am I correct that another "gotcha" is that if you fail to apply for ACA within the 60 day time period (instead choosing to rely on COBRA), you have to wait for the annual ACA enrollment period if y...
by patriciamgr2
Wed Apr 20, 2016 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Got laid off, when can I file for unemployment?
Replies: 44
Views: 4576

Re: Got laid off, when can I file for unemployment?

You want either COBRA or your state's ACA (Obamacare) health insurance in place. We wish you well in your job search, but not having health insurance is an unacceptable risk no matter how great your health is. HR departments sometimes move slowly even for the best candidates so even a wildly success...
by patriciamgr2
Sun Apr 17, 2016 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance
Replies: 13
Views: 1881

Re: Long Term Care Insurance

If you post the policy details (are an unlimited # of years' costs covered or is your coverage limited to e.g. 3 years at $X max per year?; what is the waiting period; what is coverage for home health care?; does pool of money "replenish" for second of you even if the policy is used by the...
by patriciamgr2
Tue Apr 12, 2016 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 6430

Re: Retirees: what's your Withdrawal Rate for this and last year?

I would not count the funds which are being switched from the pre- to the after-tax portion of your portfolio as being withdrawn. The tax payment has been spent & I do count that as a withdrawal.
by patriciamgr2
Tue Apr 12, 2016 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 6430

Re: Retirees: what's your Withdrawal Rate for this and last year?

OP: Because I sold my big city duplex flat & stored my possessions for 2-3 years when I first retired & traveled continuously, I learned how little "stuff" I actually needed. I moved to a LCOL area--lower housing cost had a significant financial impact. I donated most of what I had...
by patriciamgr2
Tue Apr 12, 2016 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 6430

Re: Retirees: what's your Withdrawal Rate for this and last year?

I don't count unspent, rolled-over Roth amounts as withdrawals, although I do count the taxes I pay each year on conversion. So, my Withdrawal Rates have been about 1.2 - 1.6% except when I buy a car every 10 years or so. I've never had a year with a withdrawal over 2%; a healthcare shock is always ...
by patriciamgr2
Sat Apr 09, 2016 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard local office???
Replies: 25
Views: 2061

Re: Vanguard local office???

The local office of Fidelity is useful for things like medallion signature guarantees (I've needed those for certain Treasury Direct actions, exercising powers of attorneys & transferring ownership of securities). If a person still has a relationship with a bricks & mortar bank that does gua...
by patriciamgr2
Sat Apr 09, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Would you take a part time job for discounted travel?
Replies: 17
Views: 1204

Re: Would you take a part time job for discounted travel?

Will you enjoy a lower-level job? Are you able to fill your time with non-work pursuits? What are the terms of the discounted travel? For example, some airlines' stand-by (vs. positive space) perks are very difficult to use in practice because flights to anywhere you'd want to go are crowded with pa...
by patriciamgr2
Fri Apr 08, 2016 10:19 am
Forum: Personal Consumer Issues
Topic: Sensory Deprivation Tanks
Replies: 23
Views: 2423

Re: Sensory Deprivation Tanks

I would have bet money that Rogan would never be mentioned on Bogleheads...
by patriciamgr2
Mon Apr 04, 2016 11:07 pm
Forum: Personal Consumer Issues
Topic: Sensory Deprivation Tanks
Replies: 23
Views: 2423

Re: Sensory Deprivation Tanks

I "floated" back in the 90's. I researched whether the water solution & tank were properly cleaned before I took the plunge & tested the release mechanism several times (very Type A of me). Only negative: I apparently had a few sports-related scrapes on my feet which did sting a bi...
by patriciamgr2
Fri Apr 01, 2016 6:49 pm
Forum: Personal Consumer Issues
Topic: Name one good, Name one bad thing YOU experienced [that saved money]
Replies: 37
Views: 3005

Re: Name one good, Name one bad thing YOU experienced [that saved money]

GOOD: Two actions I took for other reasons which had significant financial benefits: 1. In order to eat a more healthy diet, I took cooking lessons, bought a few high-quality kitchen essentials & began cooking at home vs. eating out all the time. [Turning point: I had eaten the tasting menu @ th...
by patriciamgr2
Mon Mar 28, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: Moving my life into a storage unit
Replies: 42
Views: 3654

Re: Moving my life into a storage unit

I urge you to explore storage inside your studio. If you (1) built custom shelving that holds one plastic or archival bin per compartment, & place the shelves behind beautiful draperies hung from the ceiling or removable screens (if it's a rental), and (2) utilized furniture with built-in storag...
by patriciamgr2
Sat Mar 19, 2016 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity customer service experience
Replies: 41
Views: 3508

Re: Fidelity customer service experience

It's interesting that the negative comments in this thread are in connection with Fidelity's institutional (employer plan administration) side. I wonder if that's the same personnel/systems as we use on the individual side?? I'm going to ask one of my HR friends about that. I intentionally did not g...
by patriciamgr2
Sat Mar 19, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 24979

Re: Don't understand nutrition and exercise

I'm veering off topic--sort of... I'm increasingly concerned about reports that much of vegetables' nutrients are in or close to the skin. Am I deluding myself about the quality of my diet if I peel veggies? [A doc I know socially was advocating washing but not peeling e.g, eggplant.] I scrub rather...
by patriciamgr2
Sat Mar 19, 2016 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity customer service experience
Replies: 41
Views: 3508

Re: Fidelity customer service experience

BoxofUpticks: I have never heard of anyone in my circle getting service that terrible from Fidelity. My recent experience has been on the individual side, not on the employer plan side, but I once had a 401k at Fidelity & was treated fine. I certainly hope you contacted not only Fidelity managem...
by patriciamgr2
Thu Mar 17, 2016 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity customer service experience
Replies: 41
Views: 3508

Re: Fidelity customer service experience

I also love the live chat feature, When I was straightening out a Vgd problem with transferring assets from Vgd to Fid, I was in an area w/ poor phone reception. Chat was a lifesaver; I especially liked the print feature when the rep was providing lots of links as I became familiar with the website....
by patriciamgr2
Thu Mar 17, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 24979

Re: Don't understand nutrition and exercise

Mandy: I hope you are so proud of your accomplishments so far! As I mentioned in my earlier PM, avoiding high GI-index carbs in favor of lean protein & lots of leafy green type veggies will help a lot with the satiety challenges you described in an earlier post, IMO. That's my personal experienc...
by patriciamgr2
Thu Mar 17, 2016 3:45 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity customer service experience
Replies: 41
Views: 3508

Re: Fidelity customer service experience

I have experienced excellent customer service from Fidelity. The people with whom I speak appear to have real-world experience. That was a problem for me with Vanguard; some rep's were very pleasant & could recite from a script, but I routinely wondered whether they'd ever actually invested or t...
by patriciamgr2
Mon Mar 14, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 24979

Re: Don't understand nutrition and exercise

duplicate deleted
by patriciamgr2
Mon Mar 14, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 24979

Re: Don't understand nutrition and exercise

thx for info, dm200 & stoptothink. maintaining low body fat percentages becomes more difficult over time. i like to eat/exercise smarter, & not rely entirely on willpower/deprivation. i appreciate the info.
by patriciamgr2
Mon Mar 14, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 24979

Re: Don't understand nutrition and exercise

stoptothink: does research support breaking the fast with certain types of food (eg proteins first) to maximize fat burning? is fasting each (week) day better for fat burning than a system where the person goes down to 500 calories 2-3 days per week? totally unrelated question: i spend $$ to buy wil...
by patriciamgr2
Mon Mar 07, 2016 1:29 am
Forum: Investing - Help with Personal Investments
Topic: Backup Plan for Wife?
Replies: 44
Views: 5306

Re: Backup Plan for Wife?

Do you know of a good, trustworthy accountant who could review your portfolio 1-2x per year to look for tax harvesting opportunities? Vgd PAS is not a bad idea, IMO. I'd verify that they aggressively look for tax harvesting opp's as other robo's do. The single state muni fund is a little bit concern...
by patriciamgr2
Sun Mar 06, 2016 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford LTC insurance given my unique circumstances?
Replies: 82
Views: 5169

Re: Can I afford LTC insurance given my unique circumstances?

Sheople2: the only numbers I saw you provide were $18,000 per year in SSDI, your amount of savings, & a statement that you may not live with family in the future (which presumably will increase your costs). When you get specific, real quotes from your LTCi agent, tell us how much your expenses a...
by patriciamgr2
Sun Mar 06, 2016 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford LTC insurance given my unique circumstances?
Replies: 82
Views: 5169

Re: Can I afford LTC insurance given my unique circumstances?

OP: after you receive quotes on policies or so-called "non-traditional" policies, I strongly urge you to post those details (including the names of the insurers) on this Forum or otherwise share them with financially savvy people who do not have a financial interest in selling you somethin...
by patriciamgr2
Sun Feb 28, 2016 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for 1st home
Replies: 8
Views: 765

Re: Plan for 1st home

Being a landlord is a business. IMO a rental should always be in a separate legal entity (LLC) for protection against liability impairing your other assets. You need to insure the property as a rental; you need to verify that your mortgage can stay in effect once it becomes a rental. You need to mai...
by patriciamgr2
Sun Feb 28, 2016 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford LTC insurance given my unique circumstances?
Replies: 82
Views: 5169

Re: Can I afford LTC insurance given my unique circumstances?

My understanding is that the Partnership programs aren't a different type of LTCi, they instead are a different set of policies for qualifying for Medicaid without having to spend down all of your savings. An amount of your assets equal to the amount of LTCi proceeds you receive is shielded from bei...
by patriciamgr2
Sat Feb 27, 2016 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 4092

Re: Buy a house at age 75?

You may not be able to control the timing of your need to move into ccrc; having capital committed to a hard-to-sell home "surrounded by" (ie: in) an economically-depressed area seems risky. Why buy? Wouldn't renting get you access to the sailing club? Hard to sell homes, by definition, sh...
by patriciamgr2
Sat Feb 27, 2016 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 4092

Re: Buy a house at age 75?

duplicate deleted
by patriciamgr2
Sat Feb 27, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 4092

Re: Buy a house at age 75?

SarahJane: Do I understand that the plan, at age 75, is to sell the hard-to-sell house & buy another for a few years before selling it to move to a CCRC? There are a lot of "friction" costs with selling houses & moving: realtor & other closing costs, staging for resale, hiring ...
by patriciamgr2
Sat Feb 27, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 4092

Re: Buy a house at age 75?

On taking out a mortgage or paying cash, I have the following thoughts: 1. I would run SafeWithdrawalRate calculations on the investment portfolio remaining after the purchase and develop a new budget which includes all of the realistic estimates of costs at the new place (higher taxes? energy bills...
by patriciamgr2
Sat Feb 27, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my credit cards?
Replies: 34
Views: 3171

Re: Should I cancel my credit cards?

If you purchase auto insurance, your credit score is one factor which determines pricing unless your state has specifically outlawed that practice. Your credit report can be checked for employment purposes (although I think that may focus more on negative entries than on the actual score) and for an...
by patriciamgr2
Fri Feb 26, 2016 5:32 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets currency effect for last 3 years
Replies: 6
Views: 797

Re: Emerging Markets currency effect for last 3 years

Thanks, Hodor. [I had (probably mistakenly) assumed that historical conversion rates (eg exchange rate in effect 9 years ago, and so on) would be used on earnings while the stock price was at today's conversion rate. I'm going to check that--Blackrock & PIMCO All-Asset have been bullish on EM, s...
by patriciamgr2
Fri Feb 26, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house at age 75?
Replies: 59
Views: 4092

Re: Buy a house at age 75?

I agree with Minot. You'd probably prefer not to move twice--pick a new home which is accessible (physically) & which you can maintain for life. Whether a rental, CCRC, or a purchase fits the bill depends on your local market.





/edited to correct spelling error/
by patriciamgr2
Thu Feb 25, 2016 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my credit cards?
Replies: 34
Views: 3171

Re: Should I cancel my credit cards?

Personally, my credit score declined when I closed two long-standing credit cards a few years back. I never revolved credit (ie I always pay off every month); I paid cash for my home at the time; and I had no installment debt. Apparently, the decrease was due to the dramatic shortening of my credit ...
by patriciamgr2
Thu Feb 25, 2016 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: About to file for social security - please check my assumptions.
Replies: 11
Views: 1250

Re: About to file for social security - please check my assumptions.

I don't have anything to add. I just wanted to say how really impressed I am with (1) the OP for researching the basics herself; and (2) the wonderful posters on the Forum doing such a great job of confirming her plan. [Also, it's good to see sscritic back even indirectly!] Best Wishes.
by patriciamgr2
Thu Feb 25, 2016 9:25 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets currency effect for last 3 years
Replies: 6
Views: 797

Re: Emerging Markets currency effect for last 3 years

Doesn't this undercut the argument that EM equity is dirt cheap? Talking heads are touting the low CAPE10 levels as a reason to forecast outperformance by EM equity over the next few years, for example, but those low valuations are largely the result of conversion to US$. Is the EM market looking ch...
by patriciamgr2
Mon Feb 22, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch Private Wealth Advisor
Replies: 38
Views: 3480

Re: Merrill Lynch Private Wealth Advisor

I agree with other posters that spending $$ on one-time consultations with experts is far more beneficial than a ML wealth adviser. If you're in a field with liability, you should talk to an attorney about asset protection as well as setting up estate planning. You should talk to an accountant about...
by patriciamgr2
Mon Feb 22, 2016 12:24 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Premium Services
Replies: 8
Views: 1323

Re: Fidelity Premium Services

Fidelity Private Client Group (like Flagship) is for people with assets greater than $1MM; there are special contact numbers, access to a rep at a local investor center & portfolio analytics available. There's a digital lockbox (for wills etc), but I think all clients get that. Wealth Management...
by patriciamgr2
Thu Feb 18, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: kitchen remodeling-why is it the norm?
Replies: 95
Views: 8106

Re: kitchen remodeling-why is it the norm?

randomguy: if the market has tanked, your hypothetical might be true. When there were no investors buying, it was hard to get showings on homes that looked truly awful. Today, in the markets with which I'm familiar, if your realtor can't bring in a timely offer from an investor for the lowered-price...
by patriciamgr2
Thu Feb 18, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: kitchen remodeling-why is it the norm?
Replies: 95
Views: 8106

Re: kitchen remodeling-why is it the norm?

Johno: I'm no tax expert, but if i delude myself into believing i'm in the business of reselling shoes, doesn't my cost reduce the amount of income/gain I would be obligated to report? [I actually sold several Hermes handbags at a profit decades ago & I remember researching then what the limits ...
by patriciamgr2
Thu Feb 18, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: kitchen remodeling-why is it the norm?
Replies: 95
Views: 8106

Re: kitchen remodeling-why is it the norm?

Johno: i'm not sure I understood your comment. Did you advocate spending $X in cash to improve your home even if it didn't increase your selling price just to get the decrease in cap gains (due to increased basis)? [BTW, I'm willing to accept a cash payment from any Boglehead in any amount to not in...
by patriciamgr2
Wed Feb 17, 2016 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: The Realtors vs the Appraiser. Who is right? (Home Value)
Replies: 65
Views: 4397

Re: The Realtors vs the Appraiser. Who is right? (Home Value)

Did a realtor select this appraiser or did you get the name from a bank? Since the last housing bust, different standards apply to who can serve as an appraiser for banks (because of collusion during that period). Unfortunately, that sometimes results in appraisers from out of the area who don't und...
by patriciamgr2
Wed Feb 17, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: kitchen remodeling-why is it the norm?
Replies: 95
Views: 8106

Re: kitchen remodeling-why is it the norm?

One other point: in a lot of areas, kitchen remodels have become almost a fashion item. In higher-end (but not luxury) homes in my general area (which would start as low as $750K to $2.5MM because it's LCOL), granite & stainless have become passe because they're available in the lower-cost homes...
by patriciamgr2
Wed Feb 17, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: kitchen remodeling-why is it the norm?
Replies: 95
Views: 8106

Re: kitchen remodeling-why is it the norm?

While a buyer may want your remodeled kitchen--if their taste is the same as yours--they rarely are willing to pay you 100 cents on the dollar. Remodels usually result in a loss [70% "return" touted by remodeling sites = 30% loss, obviously]. Remodeled houses tend to sell more quickly, but...

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