Search found 716 matches

by patriciamgr2
Tue Nov 22, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: What do you think of my Investment/Retirement Plan
Replies: 7
Views: 746

Re: What do you think of my Investment/Retirement Plan

You are very well prepared for retirement. Other than LTC costs (unless they're included in medical), you've got potential expenses covered. Congratulations on that. One observation: although I had almost 100% of my retirement savings in equities while employed & cheerfully regarded huge market ...
by patriciamgr2
Thu Nov 17, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5963

Re: Early retire considering Self-Insurance for healthcare

tbradnc: isn't assuming the continuation of the current version of Obamacare a risk itself?
by patriciamgr2
Thu Nov 17, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5963

Re: Early retire considering Self-Insurance for healthcare

Bottlecap: You've stated that patients with multi-million dollar bills won't see billing for 6 months & that, at that point, can obtain other coverage. Is your comment based on actual experience, even anecdotal? I had been told pre-ACA--albeit from people requesting donations--about surgeries th...
by patriciamgr2
Wed Nov 16, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5963

Re: Early retire considering Self-Insurance for healthcare

Be sure to ask the asset protection attorney for the names of doc's & hospitals willing to keep treating you after you refuse to pay them & they're not receiving insurance or government reimbursement. :happy As a retired businessperson & lawyer, I'm in favor of asset protection, but it's...
by patriciamgr2
Tue Nov 15, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 5963

Re: Early retire considering Self-Insurance for healthcare

We are not allowed to speculate on future legislation on this Forum. I will note, however, that there has been discussion about the unfairness of what was perceived as the ACA allowing people to avoid buying insurance until they realized they would need it. Discussions of guaranteed issue recently h...
by patriciamgr2
Wed Nov 09, 2016 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Question for folks who early retired - Approx 50 or earlier
Replies: 11
Views: 2724

Re: Question for folks who early retired - Approx 50 or earlier

I early retired at age 42 (I initially thought I would just travel for a few years & then go back to work; when I realized I was financially independent, I decided to stay "retired"). On the financial side, I echo other posters' warnings about health insurance. If the ACA is repealed, ...
by patriciamgr2
Thu Nov 03, 2016 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: [Veterans who rec'd EMT training may be fast-tracked to civilian certification]
Replies: 34
Views: 2798

Re: [Veterans who rec'd EMT training may be fast-tracked to civilian certification]

Thanks, LadyGeek! As always, you're so helpful. I appreciate what you do for the Forum each day.

Patricia MG-er
by patriciamgr2
Thu Nov 03, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: [Veterans who rec'd EMT training may be fast-tracked to civilian certification]
Replies: 34
Views: 2798

Veterans who rec'd EMT training may be fast-tracked to civilian certification

[Thread merged into here, see below. --admin LadyGeek] There's an old thread I can't locate about a veteran who had received combat medic training while serving in the military. Help was requested about his transition to a civilian position. Section 105 of Public Law 114-198 was enacted in July, re...
by patriciamgr2
Sun Oct 30, 2016 7:46 am
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 11047

Re: 2017 ACA plan previews

1. Health care costs IMO are the number one issue for early retirees like me. The uncertainty of what, if any, coverage will be available in the future makes planning difficult. I thought I had employer-provided retiree coverage, only to discover that it was terminated for all former employees a few...
by patriciamgr2
Wed Oct 19, 2016 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Bruce Steiner on James Lange Radio Show
Replies: 5
Views: 1084

Re: Bruce Steiner on James Lange Radio Show

Thanks for posting this. I have learned a great deal from bsteiner's posts on the Forum.
by patriciamgr2
Tue Oct 18, 2016 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience with Vanguard Flagship?
Replies: 28
Views: 3044

Re: Anyone have experience with Vanguard Flagship?

I was Flagship for many years; my consolidated assets prob would have qualified for the new, reduced Select level. Flagship service was ok. Reps aren't trying to scam anyone, but I found them unhelpful/unprepared about issues beyond simple mutual fund purchases. The best rep I ever dealt with was be...
by patriciamgr2
Thu Oct 13, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Considering Retiremnet but nervous
Replies: 26
Views: 4549

Re: Considering Retiremnet but nervous

I retired in my early 40's. Some of these comments have been made by other posters; I'm emphasizing those points. 1. Develop a detailed plan of how you--and your spouse--plan to live during retirement & "practice" that before retiring. Live on your retirement budget. Only use one car (...
by patriciamgr2
Sun Oct 09, 2016 3:42 am
Forum: Personal Finance (Not Investing)
Topic: ACA renewal - shop around.
Replies: 29
Views: 2614

Re: ACA renewal - shop around.

thanks so much, furwat. Health insurance has become more complicated than taxes Ugh. I feel lucky to have this site to become more informed. Best Wishes.
by patriciamgr2
Sun Oct 09, 2016 2:33 am
Forum: Personal Finance (Not Investing)
Topic: ACA renewal - shop around.
Replies: 29
Views: 2614

Re: ACA renewal - shop around.

jalbert: you're absolutely correct, of course, about ACA protections applying to off-market plans too. If the ACA protections are repealed, renewals of any plan might be jeopardized. My experience has been that, even though I now take prescription eye drops & thus couldn't qualify for a new poli...
by patriciamgr2
Sat Oct 08, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: ACA renewal - shop around.
Replies: 29
Views: 2614

Re: ACA renewal - shop around.

Mitchell777 - wait until after election to decide. You'll have more information about whether ACA is likely to be around and whether expiration of COBRA benefits is an event which allows you to start coverage outside of the normal enrollment time periods (in my state, it wasn't last time around). In...
by patriciamgr2
Sat Oct 08, 2016 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: health care Early Retirement
Replies: 21
Views: 2997

Re: health care Early Retirement

One other cautionary note: many Boomers are in denial about health risks. I've never been sick enough to meet my deductible & I focus on healthy living, but I don't delude myself into thinking I'm immune to aging or bad luck. We all know people who've been hit by uninsured drivers (multiple surg...
by patriciamgr2
Sat Oct 08, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: health care Early Retirement
Replies: 21
Views: 2997

Re: health care Early Retirement

I'd strongly suggest waiting until after (1) November price increases and plan changes are announced on your state's ACA site and (2) the election results are known. [No political comment intended] If ACA will remain in effect after the election, I'd suggest "shopping" for an actual plan i...
by patriciamgr2
Sat Oct 08, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: ACA renewal - shop around.
Replies: 29
Views: 2614

Re: ACA renewal - shop around.

I have had an individual ("grandfathered" non-ACA) PPO plan with BCBS for decades now. I've been afraid to switch over to ACA in case ACA was repealed & I was stuck without any insurance. I've been hit with premium increases comparable to those seen on ACA policies. I also have a highe...
by patriciamgr2
Mon Sep 19, 2016 9:05 pm
Forum: Investing - Theory, News & General
Topic: The states we won't buy munis from, update
Replies: 50
Views: 6074

Re: The states we won't buy munis from, update

Thanks for sharing, Larry Swedroe. I appreciate the information.
by patriciamgr2
Mon Aug 29, 2016 8:59 am
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 65
Views: 4933

Re: Eating Healthy/Meals for One

I am a fan of frozen veggies too, but OP mentioned "tiny" freezer. While I use tinned or pouch-wrapped protein, & beans (if rinsed), I don't use a lot of tinned veggies.
by patriciamgr2
Sun Aug 28, 2016 9:48 pm
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 65
Views: 4933

Re: Eating Healthy/Meals for One

1. Eggs, organic tinned beans & wild-caught, sustainable tinned or pouched fish (tuna, salmon, etc--I get mine from Vital Choice, but as part of my frozen order; maybe Whole Foods or something comparable via Amazon would work for you???) all seem like good choices to add to fresh veggies. Make a...
by patriciamgr2
Sun Aug 28, 2016 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house near church
Replies: 68
Views: 5768

Re: Buying house near church

check for outreach etc activities held during evening hours (teen programs, etc). Is there a day care existing or planned? Are there any church bells? Just visit the church & ask what their activities are. What is zoning? If church closes, what can be built on the lot? What restrictions, if any,...
by patriciamgr2
Mon Aug 22, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners should consider flood insurance
Replies: 78
Views: 6932

Re: Homeowners should consider flood insurance

Thanks for the excellent warning.

Our thoughts & prayers are with you, your family, your fellow officers & your neighbors during this difficult time.
by patriciamgr2
Sat Aug 20, 2016 11:30 am
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 99
Views: 8445

Re: Improving the Bogleheads forum

To follow up on another poster's comment about encouraging Forum members to search before posting a new topic, I suggest that a pleasantly-worded reminder be placed on each Post a New Topic page. Perhaps something could be included that suggests that, if the poster reads relevant Wiki sections and t...
by patriciamgr2
Fri Aug 19, 2016 8:41 am
Forum: Personal Consumer Issues
Topic: Identity Theft...be proactive, don't panic
Replies: 10
Views: 1267

Re: Identity Theft...be proactive, don't panic

How did the thieves access your information? [I ask to learn if I or my loved ones have the same vulnerability]. Excellent tips, BTW, on how to recover quickly. Thanks for any information
by patriciamgr2
Thu Aug 18, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: credit score hit when closing cc accounts?
Replies: 11
Views: 724

Re: credit score hit when closing cc accounts?

I agree with jf89's advice. Knocking out your older credit history, in particular, can impact your score. If you're close to a credit band breakpoint, & if you plan to borrow$$ or get insurance underwritten soon, a credit score decrease might cost you.
by patriciamgr2
Tue Aug 16, 2016 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Planning Questions ... UPDATE
Replies: 48
Views: 6062

Re: Early Retirement - Planning Questions

Also, please note that HSAs are generally only available with high deductible plans under ACA or the private insurance market. Subsidies (if you decide to forego Roth conversions and can avoid capital gains to minimize your taxable income) tend to favor silver plans, not high deductible options even...
by patriciamgr2
Tue Aug 16, 2016 6:31 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - Planning Questions ... UPDATE
Replies: 48
Views: 6062

Re: Early Retirement - Planning Questions

I haven't reviewed your entire post & am responding only to your last question on social security. My understanding is that, in its projections, Social Security assumes that for future years you will be making the same amount as your recent income. If you retire early, you'll instead be adding s...
by patriciamgr2
Tue Aug 09, 2016 1:55 am
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 5390

Re: Fidelity customers: Have you experienced pressure to buy active funds?

tuning fork: did they suggest a review of asset allocation percentages or did they suggest the same asset allocation but using active funds? I didn't understand your comment. Most of the firms I've used in the past (including Vanguard) would make comments on asset allocation percentages [e.g. I had,...
by patriciamgr2
Tue Aug 02, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 7179

Re: Should I flip my neighbor's house to save the neighborhood?

As some have suggested, perhaps I will contact a few flipping outfits to inquire if there is interest to do it completely on their own. But, as others have pointed out, shouldn't they already know about the house if it's been on the market a while. Am I to ask them to reconsider, pretty please I wo...
by patriciamgr2
Mon Aug 01, 2016 10:26 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 7179

Re: Should I flip my neighbor's house to save the neighborhood?

Flipping a house is a second job, even if you have a contractor-partner. Contractors need to focus on their "day job" first, & disputes often arise in partnerships like this about what type of time commitment the contractor & his subs are giving your project. The HELOC interest on ...
by patriciamgr2
Fri Jul 29, 2016 6:58 pm
Forum: Personal Consumer Issues
Topic: Diminished Value Appraisal Recommendation
Replies: 8
Views: 663

Re: Diminished Value Appraisal Recommendation

With Carfax, etc., there's little chance of the buyer not knowing of an accident. I'm old-fashioned enough that I would disclose it in any event. The last time I sold a car, CarMax questioned me at length about the nature of the accident & the type of repairs. I had all my documents from the rep...
by patriciamgr2
Thu Jul 28, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: Diminished Value Appraisal Recommendation
Replies: 8
Views: 663

Re: Diminished Value Appraisal Recommendation

Is there a compilation of state laws/formulas for Diminished Value online--google searches seem to link to paid services. For example,is there something like Nolo on DV issues? Thanks in advance for help locating online legal resources.
by patriciamgr2
Fri Jul 22, 2016 2:15 pm
Forum: Personal Consumer Issues
Topic: Should I spend 5k annually on travel?
Replies: 59
Views: 4842

Re: Should I spend 5k annually on travel?

Yes, travel as much as possible before having children. I'm not a fan of dragging little ones on long flights because of how uncomfortable it can be for them. Now is the time to travel widely & I'd suggest focusing on adventure travel. Lots of time in your future for closer-to-home adventures. G...
by patriciamgr2
Fri Jul 22, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: VG vs. Fido - The Grass Is Not Always Greener (or Is It?)
Replies: 69
Views: 7748

Re: VG vs. Fido - The Grass Is Not Always Greener (or Is It?)

I've posted my experiences several times already, but... Fidelity is clearly superior on customer service. Their website is better, the online chat feature is wonderful, and my Private Client Group team is responsive without ever being pushy. [I was a Vanguard Flagship client for decades.] At Fideli...
by patriciamgr2
Sat Jul 16, 2016 11:09 am
Forum: Investing - Theory, News & General
Topic: "How saving too much can make your retirement less satisfying"
Replies: 52
Views: 8114

Re: "How saving too much can make your retirement less satisfying"

I feel like this discussion has veered off into anecdotes about seniors who may be suffering cognitive difficulties. [BTW, with my own parents, we would give products & particularly services that we thought Mom should have & provided in-home coaching (by a delightful young lady who worked wi...
by patriciamgr2
Fri Jul 15, 2016 2:20 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 168
Views: 12928

Re: What kind of car do Bogleheads like to drive?

If you need AWD, I've had good experience with Subarus. Drove my last one for 14+ years; hoping to beat that with the new one. New CVT has improved gas mileage, but still not stellar.
by patriciamgr2
Thu Jul 14, 2016 2:46 pm
Forum: Investing - Theory, News & General
Topic: "How saving too much can make your retirement less satisfying"
Replies: 52
Views: 8114

Re: "How saving too much can make your retirement less satisfying"

My problem with Chuck Jaffe's analysis is that he is justifying 6%+ SWRs for today's retirees who face unusually low bond yields and equity prices which appear to me to be approaching full valuation (using, for example, Shiller PE method). Equity valuations appear to be driven by the historically lo...
by patriciamgr2
Thu Jul 14, 2016 1:15 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on REIT run up so far?
Replies: 14
Views: 2204

Re: Any thoughts on REIT run up so far?

I'm not one of the Forum's REIT experts, but I will point out that in the fall, REITs will have a separate index (no longer with the Financials ). A recent WSJ article speculated on tax effects of the forced sales on holders of Financial sector funds, but also mentioned a belief that the separation ...
by patriciamgr2
Thu Jul 14, 2016 1:05 am
Forum: Investing - Theory, News & General
Topic: "How saving too much can make your retirement less satisfying"
Replies: 52
Views: 8114

Re: "How saving too much can make your retirement less satisfying"

With respect, Mr Jaffe needs to visit the type of nursing home one can afford with only Medicaid before encouraging retirees to spend down their savings aggressively. I hope to die at home without needing any extensive health care services, but that may not happen. I can't predict 30+ years into the...
by patriciamgr2
Thu Jul 14, 2016 12:58 am
Forum: Investing - Theory, News & General
Topic: The age old question of Fido or VG
Replies: 12
Views: 1215

Re: The age old question of Fido or VG

I've received much better customer service from Fidelity. I did not sell my Vanguard funds or ETFs when I transferred my assets to Fidelity--it's the best of both worlds. For new investments, I have used some iShares products which are commission free at Fidelity. Obviously, if I were dollar-averagi...
by patriciamgr2
Mon Jul 11, 2016 9:58 pm
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 5390

Re: Fidelity customers: Have you experienced pressure to buy active funds?

No pressure whatsoever. I'm in the private client group (whatever that means) & have a team assigned to me. They answer questions quickly. The chat feature on the website was wonderful for resolving the few minor glitches I experienced after I first transferred my money (which weren't Fid's faul...
by patriciamgr2
Mon Jul 11, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Please Share Successful Fundraising Ideas for Small Not-For-Profit
Replies: 10
Views: 707

Re: Please Share Successful Fundraising Ideas for Small Not-For-Profit

Thanks for the helpful comments--keep them coming! I really appreciate you busy people taking the time to help.
by patriciamgr2
Mon Jul 11, 2016 2:16 am
Forum: Personal Consumer Issues
Topic: Please Share Successful Fundraising Ideas for Small Not-For-Profit
Replies: 10
Views: 707

Please Share Successful Fundraising Ideas for Small Not-For-Profit

A small not-for-profit I've donated to in the past provides services to low-income seniors. In the past, funds have been raised through a wine-tasting and silent auction event. They're looking for new ideas. I know many Bogleheads are involved in philanthropy. Do you have any fundraising ideas which...
by patriciamgr2
Wed Jun 29, 2016 7:01 pm
Forum: Personal Consumer Issues
Topic: Expenses for Retirees 5+ years
Replies: 9
Views: 1631

Re: Expenses for Retirees 5+ years

Biggest increase by far: health insurance costs & health care expenses. (I'm quite healthy, so it's been dental & vision expenses). Only going to get worse until Medicare kicks in. Biggest decrease: I spent quite a bit of money on continuous travel in my first 3 years of retirement &, wh...
by patriciamgr2
Wed Jun 22, 2016 8:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Mel! Boglehead #2.
Replies: 41
Views: 3303

Re: Happy Birthday to Mel [Lindauer]

I'll add my congratulations (a bit late) to the chorus. Happy Birthday & Thank You for everything you do for the Boglehead Forum.
by patriciamgr2
Fri Jun 17, 2016 10:39 am
Forum: Investing - Theory, News & General
Topic: "How to Make Your Money Last" -- A Gem
Replies: 43
Views: 9940

Re: "How to Make Your Money Last" -- A Gem

Thanks so much for posting. I appreciate your continued guidance on important financial topics!
by patriciamgr2
Mon Jun 13, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Retirement, real estate and investments
Replies: 3
Views: 724

Re: Retirement, real estate and investments

What is your projected tax on the capital gain? Be sure to include all improvements (but not repairs) when you calculate your current basis. When you have the estimate of the capital gains tax you'll pay if you lose the homeowners' exemption, you can identify whether realistically you expect that le...
by patriciamgr2
Tue Jun 07, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: Kitchen remodeling increases home value?
Replies: 30
Views: 2223

Re: Kitchen remodeling increases home value?

I suspect the "numerous places" that cite only a 5% loss on remodeling costs may have information supplied by the remodeling industry. Sometimes, surveys of homeowners don't control for general price appreciation in their area--they just rely on self reports of how much was spent & the...

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