Search found 952 matches

by teacher
Sun Oct 08, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 35624

Re: Can't freeze credit at Experian?

Neither of us are on the list, but we decided to freeze our accounts, regardless. We successfully froze our accounts with the exception of my account at Experian. One of the questions to affirm identity asked if I had ever lived on a street which happens to be where my mother lived. I said, "no" as ...
by teacher
Sat Sep 23, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 736

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

I decided to get another BP monitor and chose an Omron which is a digital unit, so it does not require a stethoscope. I can't get it calibrated on the weekend, but will do so Monday. This machine is reading much lower, in fact about 20 points lower, which reduces my anxiety about the whole blood pre...
by teacher
Sat Sep 23, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 736

Re: BP monitor inaccurate–how to recalibrate? Or replace with which brand?

Thanks for your response, livesoft. I took the first bp monitor to two different Kaiser locations, and results were very close. The reason accuracy is important is results of four readings a day for seven days is part of the decision whether there is a need for medication. Ten to twenty points highe...
by teacher
Sat Sep 23, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: BP monitor inaccurate–how to recalibrate? Or replace with which brand?
Replies: 11
Views: 736

BP monitor inaccurate–how to recalibrate? Or replace with which brand?

We bought a Microlife BP monitor, an arm cuff model, from Costco in February, and doc said to have it "calibrated". Apparently, "calibrated" only means to check to see if the home monitor is accurate, not actually adjust it for accuracy. The Microlife monitor was 20+ points higher than the BP monito...
by teacher
Sun Sep 17, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: identity verification with Equifax?
Replies: 6
Views: 690

Re: identity verification with Equifax?

When I froze Equifax, they only asked for the last six numbers of the Social Security number.
by teacher
Sun Aug 13, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6953

Re: What Percentage CASH are you?

self talk wrote: 10% per Warren Buffett`s thinking. I wasn't aware Warren Buffett has instructed the trustee of his wife’s inheritance to put 90% of her money into a very low-fee stock index fund and 10% into short-term government bonds until I googled it after reading your comment. Does a 90/10 ass...
by teacher
Sat Aug 12, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone moved to another state for lower cost of living?
Replies: 72
Views: 11190

Re: Anyone moved to another state for lower cost of living?

We live in NorCal, smack-dab between Tahoe and San Francisco, a couple hours either way. We take advantage of overnight, or even just day trips to the Pacific coast, the Sierra Mountains or Lake Tahoe on a whim. We also take advantage of everything SF and enjoy Napa a couple times a year. As someone...
by teacher
Thu Aug 10, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6953

Re: What Percentage CASH are you?

We have 10% in a MM, but much of it is earmarked savings for insurance and taxes, and savings for repairs for house and car replacements, and for new appliances, carpet, roof, etc. These funds are not part of our Asset Allocation. We are both retired with one pension and one social security benefit.
by teacher
Wed Aug 09, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Remodel or move?
Replies: 8
Views: 789

Re: Remodel or move?

We took the remodel route. We thought we were missing out on what new homes have to offer, but after months of looking at new houses, we came to appreciate our house more. We like the unique floor plan, our mature trees (minus the squirrels) and easy access to shopping, and of course the very low pr...
by teacher
Sun Jul 30, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4729

Re: Wooden flooring in kitchen

We chose walnut engineered wood in the kitchen rather than tile because wood is so much easier on my feet than tile. DH wanted tile, but my bad feet were the deciding factor. The walnut is a nice contrast with our cherry cabinets we had installed the same time as the floor, and the cabinet maker mad...
by teacher
Thu Jul 27, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 96
Views: 10063

Re: Is it still worth buying a house in a state with insane property taxes

e5116 wrote: ....don't even talk to me about California from a cost perspective... California's property tax structure is preferable for those who stay in their homes long term, in my opinion. Since 1979, property is taxed at 1% of assessed value, and it restricts increases in assessed value to 2% p...
by teacher
Thu Jul 27, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 96
Views: 10063

Re: Is it still worth buying a house in a state with insane property taxes

Landlords have to pay property taxes on rentals, so I would think the cost of "insane property taxes" is baked into the rent.
by teacher
Thu Jul 27, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 22071

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

thirdman wrote: My sister who had a Flagship account thru me had less than the one million minimum. When she "upgraded" she found out she was no longer a Flagship client. Furthermore, her Prime Money Market Fund which had less than the $3000 minimum was converted to a Federal Money Market Fund, payi...
by teacher
Thu Jul 27, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 19296

Re: How are folks handling the unprecedented rise in the market ?

We have about 10% of the value of our portfolio in a money market in our credit union. Those funds help us "Stay the Course" because they are not part of our asset allocation. The market does not tell us when to buy or sell. If, no, WHEN there is another recession, we will hang on tight as usual.
by teacher
Wed Jun 14, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Deck replacement- Composite material recommendations
Replies: 22
Views: 2558

Re: Deck replacement- Composite material recommendations

After putting in a new deck several years ago, if I had to do over, I would look into Brazilian wood instead of redwood. I have seen it once at our neighbors, and even though it was put in around the same time as ours, it looked brand new. Ours has lost all the beauty of a new redwood deck. Apparent...
by teacher
Wed Jun 14, 2017 11:11 am
Forum: Investing - Theory, News & General
Topic: Favorite Active Funds?
Replies: 22
Views: 2925

Re: Favorite Active Funds?

We have held Vanguard Health Care fund – Admiral and Vanguard Capital Opportunity fund – Admiral for decades. Capital Opportunity is closed and has a $25,000 annual contribution limit. The Health Care fund requires $50,000 initial contribution with no annual contribution limit. Vanguard Health Care ...
by teacher
Sat Jun 10, 2017 12:26 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 12157

Re: Jim Rogers predicting "crash of a lifetime" this year or next

jimnicol After nearly a decade of succumbing to variable annuities, a product commonly sold to teachers, I saw an add in the newspaper for a financial adviser. We met with him and he recommened getting out of the annuities and investing in the Vanguard Wellington fund which we did. We got lucky. He ...
by teacher
Tue Apr 25, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: RMD for 2017?
Replies: 13
Views: 1661

Re: RMD for 2017?

Very interesting, Alan. As things are now, we will be boosted into a higher tax bracket when RMDs are an issue, so it's good to know RMD tables have changed in the past and may possibly change in the future. DH will be 70 next year so a higher age cutoff can't come soon enough.
by teacher
Sun Apr 23, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: RMD for 2017?
Replies: 13
Views: 1661

Re: RMD for 2017?

Alan S wrote: I wish the Tables would change, since that would lower RMDs somewhat. The tables last changed in 2002 and prior to that in the mid 80s so we are due for a change in the next couple of years. So, since the last change was part of a tax cut, can I assume the change was lower percentage w...
by teacher
Sun Apr 23, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 43250

Re: Larry Swedroe says "Goodby."

When I tell others about this community, I say it is non-political and polite. It is very disturbing it's been proven otherwise with Larry Swedroe's reasons for departure.
by teacher
Fri Apr 21, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: How inefficient is it to hold Total Bond Index in a taxable account?
Replies: 40
Views: 6095

Re: How inefficient is it to hold Total Bond Index in a taxable account?

Excellent thread. I'm here to learn, so my post will alert me of further comments the next few days.
by teacher
Fri Apr 21, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 97
Views: 13186

Re: Single most important investing advice?

For me, the single most important advice was learn how to become an independent investor, with the help of my friends at Bogleheads, of course. :happy
by teacher
Wed Apr 19, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 123
Views: 17184

Re: Great 403b for teachers?

If the NEA really wanted to help us, they would not promote a company that sells their membership variable annuity products. Instead, they would have Vanguard or Fidelity as the company on their website selling their products. I believe this would make it easier to have those options added to our c...
by teacher
Wed Apr 19, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 123
Views: 17184

Re: Great 403b for teachers?

I couldn't agree more, EdLaPave. So much needs to be improved, including at the national level. It may help to develop a curriculum to be shared in lunch rooms across the nation. It could include factoids like this: One percent of the current portfolio in fees equates to 10% in ten years, or 2% equa...
by teacher
Wed Apr 19, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 123
Views: 17184

Re: Great 403b for teachers?

This is an effort to improve investment options and provide transparency about costs of options in 403b plans at the national level. "The 403(b) Model Disclosure Form, as it’s called, will set transparency standards and give school employees a comparison of their investment options and the fees that...
by teacher
Tue Apr 18, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 123
Views: 17184

Re: Great 403b for teachers?

EdLaFave wrote: How does CTA (the union) have their own plan? What is it called? Here's the Link for the CTA (California Teachers Association) 403b/457 Plans: http://ctainvest.org/home/403b-457-Plans.aspx It is exclusive to California educators, but I would ask around to see if your state teacher's ...
by teacher
Wed Apr 12, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: New Home - Design Center Options - making smart choices
Replies: 30
Views: 3000

Re: New Home - Design Center Options - making smart choices

Our son's experience was any upgrades from the design center translated to an increase in the mortgage for the duration. He decided to limit upgrades so he wouldn't be paying interest on those options for 30 years.
by teacher
Wed Mar 08, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to finance a home addition?
Replies: 5
Views: 819

Re: How to finance a home addition?

We did our home improvement projects on our tri-level house in four stages. The first three stages were financed with twelve month/no interest loans. After each phase was completed, we paid it off in cash we had saved to renovate. We didn't bother getting a loan for the last phase and just paid in c...
by teacher
Sun Feb 26, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: Buffett Annual Letter 2016 [Jack Bogle is a hero]
Replies: 69
Views: 6874

Re: Buffett Annual Letter 2016 [Jack Bogle is a hero]

Remember when we corresponded with the White House and our representatives in support for Jack Bogle to get the " Presidential Medal of Freedom"? https://www.bogleheads.org/forum/viewtopic.php?t=202233 I am still wondering, "Where Is John C. Bogle's Presidential Medal Of Freedom?"...
by teacher
Wed Feb 22, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 19540

Re: Why do you go to restaurants?

Robot Chef That Can Cook 2,000 Meals Set To Go On Sale In 2017 http://www.iflscience.com/technology/robot-chef-home-could-arrive-2017/ "After a long, drawn out day in the office, it’s not always easy to motivate yourself to cook a proper meal when you get home. Instead of reaching for the sauc...
by teacher
Tue Feb 21, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 90
Views: 8768

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

Retired for seven years/two years (DH), but not in withdrawal phase yet. Equities (59%): AT&T Total U.S. Market Index Fund (401k) Vanguard Total Stock Market, Admiral–VTSAX (ROTH and tIRA) Vanguard Health Care Admiral, Admiral–VGHAX (ROTH) Vanguard Capitol Opportunity Admiral–VHCAX (ROTH) Vangua...
by teacher
Sun Feb 19, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Is a 4% plus CPI withdrawal rate actually aggressive?
Replies: 232
Views: 13736

Re: Is a 4% plus CPI withdrawal rate actually aggressive?

Assuming our portfolio does not tank, annual RMD withdrawals will increase and generate a greater percentage of after-tax funds every year. So, we are not as concerned about Safe Withdrawal Rate as much as how much will be available to re-invest for our heirs in a taxable account or spend each year ...
by teacher
Wed Feb 15, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 12161

Re: Bogleheads not the norm?

Rainmaker is the best sort of Boglehead in my book. He said:
I have a given hand of cards, and I'm playing that hand as best I can. If I have more overall lifetime financial security/wealth/peace of mind than someone earning twice as much as me with a 'normal' savings rate, I'll call that a win.
by teacher
Sun Feb 12, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 73
Views: 6852

Re: Kitchen cabinets

I noticed the pictures show drawers for pots and pans. We love that feature on our new cabinetry. Not having to bend over or get down on your knees saves the back and saves times as well. The color of the cabinets in the bottom picture is similar to our cherry cabinets. We chose that color to enhanc...
by teacher
Fri Feb 03, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone and gotta tell someone
Replies: 61
Views: 6694

Re: Milestone and gotta tell someone

I don't know why, but it makes me happy when people qualify for a home or pay off their mortgage. Congratulations! We bought our current home in 1979 when interest rates were 13.5% on a 30 year mortgage, but we were able to refinance it with a 15 year, 9.5% loan several years later. The refinanced l...
by teacher
Sun Jan 29, 2017 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 123
Views: 17184

Re: Great 403b for teachers?

Even our principal was out to protect teachers. She would not allow annuity sales people in the teacher's room to put their brochures in teacher's boxes or meet with them there at lunch. Our union and district had a consensus model for negotiations and with some exceptions, we were able to set commo...
by teacher
Sun Jan 29, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 123
Views: 17184

Re: Great 403b for teachers?

Over the years, I have seen threads posted on the issue of poor 403b offerings, and it's a shame teachers in other states do not have the benefits made available in our district and state. I was extremely lucky because our union and district office worked together to provided a very comprehensive li...
by teacher
Thu Jan 19, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Found! [What to do with old books]
Replies: 26
Views: 3368

Re: Found! [What to do with old books]

Too many memories having to memorize passages of Canterbury Tales to get rid of my copy, but I am an expert at providing homes for books. When I retired after 38 years of teaching, I placed dozens of books I thought other teachers may like in the teacher's room. Books in our own library went to used...
by teacher
Thu Jan 19, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Toaster Oven Recommendations
Replies: 34
Views: 2811

Re: Toaster Oven Recommendations

We have the larger Breville. It has a feature I have not seen on other toaster ovens. When you open the door, the rack moves outward so you can insert or remove pans easily. We used a 20% off coupon at Bed Bath & Beyond.
by teacher
Wed Jan 18, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 61924

Re: What are Costco's best deals?

Christmas Trees! Christmas toys, books, DVDs, vitamins, meat, fish, etc. etc. Look, I just love Costco and thank my lucky starts one with a nursery was built about a decade ago a quarter of a mile from our house. I go several times a week, just to stock up on fresh fruit. The employees work very har...
by teacher
Sat Jan 07, 2017 10:44 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 685
Views: 30678

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

I wrote: One more participant than last year with three more days to make a prediction. gilgamesh wrote: I'm just curious how you know this. On the first post of this thead, Taylor said, " In 2016 we had 600 Bogleheads register. And, as Lady Geek pointed out, "the number of posts in this t...
by teacher
Sat Jan 07, 2017 6:46 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 685
Views: 30678

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

One more participant than last year with three more days to make a prediction.
by teacher
Thu Oct 27, 2016 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 48
Views: 6716

Re: Anyone use Kaiser Senior Advantage for Medicare

Over 39 years of employment, I had at least half a dozen HMO insurance providers. After my mother could no longer drive, I drove her to her Kaiser appointments and eventually became her Designated Health Care Surrogate, so I witnessed the evolution of Kaiser care and services for over two decades an...
by teacher
Thu Oct 27, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa foreign transaction fee
Replies: 44
Views: 17807

Re: Costco Visa foreign transaction fee

copernicus wrote:
Citi does not have this notification feature for the new Costco Visa card.

Check into that again. Costco Anywhere Visa Card notifies via text or email within seconds. We chose a $1.00 transaction amount cutoff for notification. We set up notification online.
by teacher
Mon Oct 24, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 13718

Re: How many have moved from California due to Cost of Living?

Considering typical expenses and typical wages, the average cost of living in California is approximately 15% higher than the US average with a range of -14% to +64% (California vs US). California is very diverse, and cost-of-living is no exception. An interesting site to see comparisons from county...
by teacher
Sat Oct 22, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion Target - Time to Break Even
Replies: 25
Views: 3039

Re: Roth Conversion Target - Time to Break Even

JDCarpenter wrote: "My thoughts are that at some point DW will be doing RMDs after my death. The 28% single bracket tops out quite a bit lower than the MFJ bracket, which will likely be a major factor in my analysis. Peter Foley responded: " We have tried to work our way around this in par...
by teacher
Thu Oct 20, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Premium Increase
Replies: 29
Views: 3671

Re: Long Term Care Insurance Premium Increase

There are three alternatives to Long Term Care insurance for the elderly who need medical supervision: –Family takes on full responsibility (as we did for our mother from ages 92 to nearly 97 in our home) –Pay out-of-pocket for a nursing home, which amounts to $9,000 a month on average in our area. ...
by teacher
Wed Oct 19, 2016 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Premium Increase
Replies: 29
Views: 3671

Re: Long Term Care Insurance Premium Increase

From their website: "Unum no longer markets the sale of new group or individual policies for long term care (LTC) insurance." http://www.unum.com/Employees/Benefits/longtermcare We have had LTC insurance thirteen years, and we are waiting for the shoe to drop. We knew premiums could possib...
by teacher
Thu Oct 13, 2016 10:08 am
Forum: Investing - Theory, News & General
Topic: Market Timing in a Unique Situation
Replies: 11
Views: 1902

Re: Market Timing in a Unique Situation

joebh wrote: With such a short time remaining, I think worrying about market timing is a mistake. I came to the same conclusion, joebh. But there is lots to consider for next year in this thread. I didn't know a money market conversion is a possibility, Peter Foley. Thanks. Since so much of our port...