Search found 787 matches

by patriciamgr2
Fri Jun 22, 2018 12:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mel Lindauer
Replies: 22
Views: 1634

Re: Happy Birthday Mel

Thanks for all you do. Best Wishes.
by patriciamgr2
Thu Jun 21, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 13091

Re: Retire at 50: Should I?

Despite how much I have adored my early retirement freedom, and despite my having what many would consider a low withdrawal rate from my assets, I absolutely would NOT retire early unless I had a workable plan (with backups) to obtain health care coverage. Instead, I might have altered my career tra...
by patriciamgr2
Thu Jun 21, 2018 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 13091

Re: Retire at 50: Should I?

MarcoPolo: you mentioned that I presumably survived financially despite the pre-ACA insurance situation. That's absolutely true. I've been fortunate enough to enjoy excellent health and no serious accidents and had enough of a portfolio that my after-tax withdrawal rate remained below 2% even as the...
by patriciamgr2
Thu Jun 21, 2018 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 13091

Re: Retire at 50: Should I?

MarcoPolo: I am proposing that, before workers take early retirement, they understand the risk of ACA coverage becoming unavailable and have a workable plan to deal with that scenario should it happen. Here on the Forum, we help others reality-test their plans. Health care costs can derail your reti...
by patriciamgr2
Wed Jun 20, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 13091

Re: Retire at 50: Should I?

I've been out enjoying real life; that's why there's been a delay in my response. I regret that the perceived "tone" of my comments about health care coverage offended anyone. Simply stated, I was noting that although the OP had announced his decision in the comments, I was still writing my comments...
by patriciamgr2
Tue Jun 19, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 13091

Re: Retire at 50: Should I?

OP has made his decision, but for others reviewing this post, I want to emphasize two points about health coverage in early retirement. 1. If--as the source I cited contends the Administration is urging--ACA's mandated coverage for pre-existing conditions ends, that may apply to employer coverage as...
by patriciamgr2
Tue Jun 19, 2018 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 13091

Re: Retire at 50: Should I?

You're assuming ACA or other health coverage will be available to you at some price. That's the serious risk--together with no Long Term Care coverage--I see with your plan. Other financial aspects look fine IMO although I didn't run sensitivities for lower returns. In a recent lawsuit, it APPEARS o...
by patriciamgr2
Sun Jun 03, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: GEICO MBI on my Subaru just doubled
Replies: 2
Views: 960

GEICO MBI on my Subaru just doubled

I have wavered on buying Mechanical Breakdown Insurance on vehicles. Normally, I don't buy it--because I do have enough in savings to pay for a repair & because this coverage always seemed to mimic manufacturers' warranty issues for the early years when it was cheapest. I broke with my own pattern a...
by patriciamgr2
Sun Dec 24, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Donor Advised Fund costs
Replies: 45
Views: 3600

Re: Donor Advised Fund costs

I appreciate the posts about (1) the hassle & expense of contributing appreciated securities directly to charities, and (2) the tax drag on not using a DAF. From the perspective of a donor choosing whether to utilize a DAF at current fee levels, those are relevant and helpful. In my pre-DAF days, I ...
by patriciamgr2
Sat Dec 23, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Donor Advised Fund costs
Replies: 45
Views: 3600

Re: Donor Advised Fund costs

Thanks for the feedback so far. I was aware that, for large donations, fee percentages would be reduced. My charitable fund, regrettably, is not at that level (yet?!?). The use of QCDs is a highly efficient alternative to DAFs--that's in the future for me personally, although eligibility is many yea...
by patriciamgr2
Fri Dec 22, 2017 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Donor Advised Fund costs
Replies: 45
Views: 3600

Re: Donor Advised Fund costs

Given that the new law's higher standard deduction will encourage charitable givers to "bunch" contributions of highly-appreciated stock into a single tax year, some of us may have higher balances in our DAFs for longer periods of time than in the past. Accordingly, I'm more focused on expenses now....
by patriciamgr2
Fri Dec 22, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Downsizing - How much to invest in a house before selling?
Replies: 41
Views: 5560

Re: Downsizing - How much to invest in a house before selling?

Gouldnm: I am responding to the concept of using an auction to sell a hard-to-move property. [BTW, I don't think this is the case with the OP.] I believe you have advocated this on the Forum in the past as well; the responses you received then are still relevant. All real estate is local. In the mar...
by patriciamgr2
Tue Dec 19, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 83
Views: 6959

Re: I am buying a car: Most/Least Reliable Makes?

JackFFR1846's point on CVTs is an important one, although manufacturers "claim" they've worked out the problems with this form of transmission. ?!?
by patriciamgr2
Mon Dec 18, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 83
Views: 6959

Re: I am buying a car: Most/Least Reliable Makes?

To get broader anecdotal experience, you might want to check owners' forums once you narrow down your search to 1-2 makes/models. Good Luck.
by patriciamgr2
Wed Dec 13, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Downsizing - How much to invest in a house before selling?
Replies: 41
Views: 5560

Re: Downsizing - How much to invest in a house before selling?

Realtors will always advise spending money because it makes their job easier. I suggest that people ask is "What is the house worth right now in its current condition? If I spend $X dollars on [specific project], can you sell it for at least $X more than what it's worth now?" If you're home is in a ...
by patriciamgr2
Sun Dec 10, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: BAM List of "Preferred" Muni Issuers
Replies: 1
Views: 344

BAM List of "Preferred" Muni Issuers

Does anyone have a current list of the muni issuers Buckingham Asset Managers is willing to own (or maybe it's a list of the issuers it prefers to avoid)? When Larry Swedroe posted on the Forum, he shared the list from time to time. If anyone has access to a current version, would it be possible to ...
by patriciamgr2
Sat Dec 09, 2017 12:45 am
Forum: Investing - Help with Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 77
Views: 12835

Re: Retire in my early 40s? Crazy or actually doable?

I retired at 42. I strongly disagree with a suggested 3-4% withdrawal rate. I'm not sure what Monte Carlo or other analysis would support those strategies. At the time I did ER (with much higher prevailing interest rates and higher forecast equity returns than exist today), I ran a number of analyse...
by patriciamgr2
Fri Dec 08, 2017 12:46 am
Forum: Investing - Theory, News & General
Topic: National Pearl Harbor Remembrance Day
Replies: 19
Views: 1434

Re: National Pearl Harbor Remembrance Day

Thank you for posting. We must remember, and also must ensure that the younger generation understands the significance as well.
by patriciamgr2
Thu Dec 07, 2017 1:08 am
Forum: Investing - Help with Personal Investments
Topic: End of life care: urgent.
Replies: 9
Views: 2356

Re: End of life care: urgent.

Depending on the kids' ages, she needs to name a guardian who's willing to take physical custody of the grandchildren. Many people prefer to make a separate person responsible for financial matters--as asort of a checks & balance system. Using a trust company to administer a trust is very expensive ...
by patriciamgr2
Sun Sep 17, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 73
Views: 42535

Re: Is a security freeze at Innovis really needed?

thanks! as always, Bogleheads provide the best info.
by patriciamgr2
Sun Sep 17, 2017 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 73
Views: 42535

Re: Is a security freeze at Innovis really needed?

Is anyone else doing a freeze at SageStream? No one seems to mention it - does that mean people consider it unnecessary? TIA for any help.
by patriciamgr2
Fri Sep 15, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 73
Views: 42535

Re: Is a security freeze at Innovis really needed?

SageStream was mentioned by another poster and also by a commenter on a Krebs' article about the Equifax breach. I have read that SageStream is used by online lenders, but I had never heard of it before this week. Have Forum members who have frozen their accounts at other CRA's (which I've done in t...
by patriciamgr2
Thu Jul 27, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do people really buy foreclosures unseen?
Replies: 21
Views: 3129

Re: Do people really buy foreclosures unseen?

REO (bank owned) deals are different from foreclosures where you need to evict the residents; I wouldn't expect the experience to be exactly comparable. In addition to all of the points raised above, I note that in warm climates in particular, mold is a real possibility. If a frig w/ icemaker was re...
by patriciamgr2
Thu Jul 27, 2017 2:05 am
Forum: Personal Consumer Issues
Topic: Where to move? New job, considering Nevada...
Replies: 28
Views: 3617

Re: Where to move? New job, considering Nevada...

Since Tesla plant, Reno/Sparks & surrounding areas are changing IMO. Higher prices, but possibly a more interesting group of neighbors. Reno always had higher prices than Vegas (I think due to tax refugees from Cali). I lived there & in Incline Village briefly; enjoyed them both. IMO 4WD or AWD is m...
by patriciamgr2
Thu Jul 13, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Rent, buy, live at home?
Replies: 7
Views: 1124

Re: Rent, buy, live at home?

I suggest you start making faux-mortgage payments to yourself immediately--while you're living at home. You'll have practice living within a tight budget (you need to deposit the amount each month no matter what else is happening in your life) & the extra savings eventually can go towards a higher d...
by patriciamgr2
Wed Jul 12, 2017 11:43 pm
Forum: Investing - Theory, News & General
Topic: "Top 5 posts of all times"
Replies: 17
Views: 4936

Re: "Top 5 posts of all times"

The post was very nice, extremely well-deserved recognition for Taylor Latimore. We're looking forward to the "surprise" too! Best Wishes to Taylor & his loved ones.
by patriciamgr2
Wed Jul 05, 2017 1:51 am
Forum: Investing - Help with Personal Investments
Topic: $800k income from biz sale
Replies: 9
Views: 2241

Re: $800k income from biz sale

At a minimum, split the funds among banking institutions to ensure you have FDIC protection. Savings should never be at risk. Tax planning may be best accomplished through structuring of the sale agreement--are you represented by counsel? Do you have a CPA who is knowledgeable about current and prop...
by patriciamgr2
Fri Jun 30, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: New Article on HEART Act: Military Survivors' Benefits & Roth Rollover
Replies: 0
Views: 454

New Article on HEART Act: Military Survivors' Benefits & Roth Rollover

I recently found this article on Michael Kitces' blog & didn't see it posted here on the Forum. It may be of interest to others on the Forum or to those they informally advise. Because it doesn't apply to me, I haven't verified any assertions. In summary, the article states that military life insura...
by patriciamgr2
Mon Jun 26, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????
Replies: 10
Views: 1563

Re: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????

Thanks so much for all of the excellent replies. I am very grateful for your time & expertise.
by patriciamgr2
Sun Jun 25, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????
Replies: 10
Views: 1563

Re: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????

Thanks Stevie. I appreciate you sharing your opinion.

Runner: Thx for link to Outback site. I had searched Impreza owners' site, but the turbocharged group DIYs & the discussion focuses on performance issues. The Outback site was more helpful.
by patriciamgr2
Sun Jun 25, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????
Replies: 10
Views: 1563

Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????

I own a 3 y/o Subaru Impreza (the boring version, not the zoomy, turbocharged WRX model) with less than 35,000 miles. Repair place recommended servicing (I assume that means cleaning) throttle body and performing an injector flush. I'm not experiencing any performance issues or getting bad mileage. ...
by patriciamgr2
Mon Jun 12, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 269
Views: 34134

Re: KF's Worst Case Retirement Plan [KlangFool's]

This OP is extremely knowledgeable & perhaps has taken all of these into account. As a reference for the rest of us, I note three areas where retirees (whom I've met through volunteer work) encounter retirement "surprises": 1. If part of the savings is in other than taxable accounts, be sure to calc...
by patriciamgr2
Tue Jun 06, 2017 3:02 am
Forum: Investing - Theory, News & General
Topic: DFA Retirement Income Strategies
Replies: 89
Views: 12868

Re: DFA Retirement Income Strategies

Thanks for the links; extremely helpful information. As Grok would say, Cheers!
by patriciamgr2
Mon Jun 05, 2017 2:00 am
Forum: Investing - Theory, News & General
Topic: DFA Retirement Income Strategies
Replies: 89
Views: 12868

Re: DFA Retirement Income Strategies

Thanks very much for posting the DFA and Merton materials, Bobcat2. I always look for your posts because you take the time to share informative publications & presentations. It's very much appreciated.
by patriciamgr2
Tue May 30, 2017 12:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: Memorial Day
Replies: 28
Views: 4021

Re: Memorial Day

Thank You, Taylor Larimore, for your service. Yesterday, my friends & I took time to remember the warriors who did not return home. They, together with all of our veterans, are the brave ones who allow the rest of us to live in the land of the free. Their sacrifice is much appreciated.

Patricia
by patriciamgr2
Tue May 23, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: How do you find a dream/hobby/part-time job?
Replies: 13
Views: 2674

Re: How do you find a dream/hobby/part-time job?

On the recruiter question, you need to find a group that fills not-for-profit positions. To find one, I'd suggest calling a group like Leadership Greater Chicago (where people in politics, not-for-profits and corporations get together 1-2 evenings per month to discuss issues & network). When I was a...
by patriciamgr2
Tue May 23, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: How do you find a dream/hobby/part-time job?
Replies: 13
Views: 2674

Re: How do you find a dream/hobby/part-time job?

If you don't have a clear idea of what you love/detest about your current position, do some deep work over several days off & develop that list. Hobbies usually arise from something about which you're passionate--we can't answer that for you.. If you like your actual job, but just want a comparable ...
by patriciamgr2
Mon May 22, 2017 1:13 am
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 64
Views: 19949

Re: I think I found Rick Ferri

Best Wishes to Messrs. Larimore & Ferri and their loved ones!
by patriciamgr2
Sat Apr 29, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: CCRC Tax Deduction?
Replies: 14
Views: 1644

Re: CCRC Tax Deduction?

The deduction is available assuming the medical expense deduction is still available to individuals. That depends on tax law in effect at the time the expense is incurred, of course. We don't speculate on proposed legislation on this Forum.

Good Luck.
by patriciamgr2
Sat Apr 29, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to consolidate at Fidelity -- any gotchas about transfers?
Replies: 23
Views: 3074

Re: Ready to consolidate at Fidelity -- any gotchas about transfers?

I transferred several accounts from Vanguard to Fidelity. The Client Services Group assigned to me handled all of the paperwork. The one glitch came from inadvertent mistake by Vanguard.

Fidelity fixed that quickly. I received cash bonuses. The customer service was absolutely excellent.
by patriciamgr2
Mon Apr 24, 2017 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 24781

Re: Any regrets living a frugal life for high income/high networth individuals?

If you orient your spending towards what you value most, frugality isn't painful at higher income levels. Even if you're not a "keep up with the Jones Family" sort of personality, spending by people you know can become a baseline of what's normal unless you actively resistthat societal pressure.. Be...
by patriciamgr2
Fri Apr 21, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 50878

Re: Larry Swedroe says "Goodby."

The post to which I was responding seems to have been deleted. I'll repost my response if his resurfaces.
by patriciamgr2
Thu Apr 20, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 47
Views: 7297

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

Sawhorse: If the situation you described (voluntary admission to a psychiatric facility in a situation an insurer would probably not regard as an emergency) were to occur, I'd suggest discussing insurance coverage BEFORE you enter the facility--first with your insurer & then with the facility. On th...
by patriciamgr2
Thu Apr 20, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 47
Views: 7297

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

Another practical suggestion: Often, the provider's billing department can get through to the insurer on a provider line faster than the patient can reach a representative by telephone. Also, with a provider the hospital uses routinely (like the ambulance service they recommended to OP's relative), ...
by patriciamgr2
Thu Apr 20, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 47
Views: 7297

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

Sawhorse: I believe I am reflecting the current state of insurance coverage. I'm not defending this insanity. I repeat my question: is your statement just your opinion of how insurance/medical billing should work in a better world, or are you advising OP he can contest the actual bill successfully n...
by patriciamgr2
Thu Apr 20, 2017 1:37 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 50878

Re: Larry Swedroe says "Goodby."

To Larry Swedroe: I am sorry to see you leave the Forum. I have learned so much from your posts as well as your books. I totally understand your decision, however, after having read some of the threads. I regret not having posted more often to thank you for your contributions. You will be missed. I ...
by patriciamgr2
Wed Apr 19, 2017 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 47
Views: 7297

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

Sawhorse: The OP said this was a transfer the doctor thought was beneficial the day after the patient's admission. It's unlikely it would be considered an emergency. If it's a true emergency (like the writhing in pain situation you described) most policies allow for out-of-network providers. That wa...
by patriciamgr2
Wed Apr 19, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 47
Views: 7297

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

I'm not aware of any requirement that medical service providers disclose to you that they're not in-network under your policy. In general, a patient is always responsible for determining his own coverage. The fact that a provider "accepts" your insurance does not mean they agree to limit their billi...