Search found 909 matches

by teacher
Thu Oct 27, 2016 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 34
Views: 2576

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: 36
Views: 3416

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: 11002

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: 2434

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: 3197

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: 3197

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: 1685

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...
by teacher
Wed Oct 12, 2016 10:41 pm
Forum: Investing - Theory, News & General
Topic: Market Timing in a Unique Situation
Replies: 11
Views: 1685

Re: Market Timing in a Unique Situation

I just want to thank all of you for your input. Invariably, when I ask a question of Bogleheads, I get new insight, and this time is no exception.
by teacher
Fri Oct 07, 2016 3:48 pm
Forum: Investing - Theory, News & General
Topic: Market Timing in a Unique Situation
Replies: 11
Views: 1685

Re: Market Timing in a Unique Situation

Theoretical wrote: How do you plan to draw from your Roth(s)? Are you able to live on RMDs, taxable, and Social Security alone? Our ROTH's will go to our heirs; they are in their mid-thirties. We will reinvest our RMDs minus taxes paid, so most of our portfolio will continue to be invested longterm.
by teacher
Fri Oct 07, 2016 3:09 pm
Forum: Investing - Theory, News & General
Topic: Market Timing in a Unique Situation
Replies: 11
Views: 1685

Re: Market Timing in a Unique Situation

I get your point, joebh. "Long term" is lifetime investing, in our case, more than three decades so far. How long is a typical recession? Depends on causation, but usually months to a year. I was thinking when the market is down, the cost of shares is down so more shares could be converted...
by teacher
Fri Oct 07, 2016 12:32 pm
Forum: Investing - Theory, News & General
Topic: Market Timing in a Unique Situation
Replies: 11
Views: 1685

Market Timing in a Unique Situation

This year is the last opportunity for DH to make a ROTH conversion before RMDs kick in. The following year is my last opportunity. To date, only a quarter of our investments are in ROTHs, so every bit we can shelter from future RMD taxes is important. Since we are so close to the RMD cutoff, we inte...
by teacher
Thu Oct 06, 2016 1:35 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 5860

Re: [500 million Yahoo accounts hacked, what should you do?]

By the way, I would like to change my email address for the Bogleheads website from Yahoo to Gmail. How is that done?
by teacher
Thu Oct 06, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 5860

Re: [500 million Yahoo accounts hacked, what should you do?]

Inbox788 wrote: The only suspicious thing is that my My Account/Preferences/Locations and Languages/Favorites shows a bunch of international cities (which I haven't been to). Does anyone know what this list is? It's not where Yahoo thinks I'm logging in from is it? Because if that's what this is, th...
by teacher
Thu Oct 06, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 5860

Re: [500 million Yahoo accounts hacked, what should you do?]

TT wrote: Log into your account and in the upper right hand corner you will see you name -click on account info and it will display any personal info you entered. I would advise opening account security and initiating the " two step verification" process also. FYI when you do this and you ...
by teacher
Sat Sep 24, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 5860

Re: [500 million Yahoo accounts hacked, what should you do?]

Thank you, goingup.
I changed my password yesterday. Just now, I eliminated the security questions with your help, but found an answer to them was the same as my new password, so I changed it again. :shock:

Does anyone think using yahoo email for Google Docs login is a problem?
by teacher
Fri Sep 23, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 5860

Re: [500 million Yahoo accounts hacked, what should you do?]

I don't remember if I gave Yahoo security questions or my BD. How can I find out, and how can I change them if I did?
by teacher
Thu Sep 22, 2016 10:40 pm
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 5860

Re: Yahoo says hackers stole info in 500 million user accounts

My questions:
We are using an yahoo email for our Google Docs sign in.
Is there a risk?
If I should change it to another email provider, how is it done?
Is it even safe to use Google Docs?
by teacher
Sun Aug 21, 2016 12:36 pm
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 5477

Re: High RMD’s, would you do anything different?

It's almost embarrassing to reveal what we should have done differently, but I had not found this forum during years we put EVERYTHING into our 401k and 403b, and nothing in a ROTH. When the benefits of a ROTH investment finally sunk in, we converted funds from our taxable account since we had no bu...
by teacher
Tue Jul 05, 2016 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Use Pull Account vs Push Account to transfer funds: a good idea?
Replies: 22
Views: 1155

Re: Use Pull Account vs Push Account to transfer funds: a good idea?

You're probably right, livesoft. Some funds at Vanguard allow a check writing service. That's what I was thinking. But your post makes me think DSInvestor meant to arrange for Vanguard to have permission to pull funds from my credit union checking account. Thanks for clarifying that.
by teacher
Tue Jul 05, 2016 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Use Pull Account vs Push Account to transfer funds: a good idea?
Replies: 22
Views: 1155

Re: Use Pull Account vs Push Account to transfer funds: a good idea?

Thanks for breaking it down in incremental steps for me, DSInvestor. I think I am clear on the approach. I'll be sure to open checking accounts on taxable funds I will need to set up at Vanguard to receive new money from Fidelity. I'll check with Fidelity to see if they will withhold taxes for my st...
by teacher
Tue Jul 05, 2016 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Use Pull Account vs Push Account to transfer funds: a good idea?
Replies: 22
Views: 1155

Re: Use Pull Account vs Push Account to transfer funds: a good idea?

It seems I went off on a birdwalk to nowhere. :oops: If so, my apologies. The notion that the pull account is preferable when making transfers is new to me. I can always count on Boglehead patience, even when ignorance clouds the issue. Thanks for your civility. I just read your post, sport. Your su...
by teacher
Tue Jul 05, 2016 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Use Pull Account vs Push Account to transfer funds: a good idea?
Replies: 22
Views: 1155

Re: Use Pull Account vs Push Account to transfer funds: a good idea?

I agree livesoft, it is ridiculously complicated, but using Fidelity's RMD projection calculator, https://web.fidelity.com/mrd/application/MRDCalculator , I expect we will have to pay taxes on about $80,000+ when RMDs kick in the first year. Since RMDs will escalate each year, they will bump up our ...
by teacher
Tue Jul 05, 2016 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Use Pull Account vs Push Account to transfer funds: a good idea?
Replies: 22
Views: 1155

Re: Use Pull Account vs Push Account to transfer funds: a good idea?

dbr said: "I don't understand what you are getting at about the RMD. You could exercise the RMD at the first broker and then have Vanguard pull the funds which are now in a taxable account (less taxes withheld) or you could have Vanguard transfer the tax deferred account and then exercise the R...
by teacher
Tue Jul 05, 2016 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Use Pull Account vs Push Account to transfer funds: a good idea?
Replies: 22
Views: 1155

Use Pull Account vs Push Account to transfer funds: a good idea?

I was reading this article, "Hot Tip: Buy Vanguard––Bloomberg" [ http://finance.yahoo.com/news/hot-tip-buy-vanguard-100009374.html } and a comment was made by a poster I would like to verify. He said: "If you plan to transfer your holdings from another company to Vanguard, do not init...
by teacher
Sun Jun 26, 2016 4:51 pm
Forum: Investing - Theory, News & General
Topic: Strategies for Refilling Cash Holdings (Bucket 1) Over Time
Replies: 25
Views: 2227

Re: Strategies for Refilling Cash Holdings (Bucket 1) Over Time

nisiprius wrote a post on this subject [thread titled: " "ride out a bear market" "], and something he said made me wonder about the efficacy of the bucket approach. His comment is here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=187626&p=2948326&hilit=buck...
by teacher
Sun Jun 26, 2016 1:10 pm
Forum: Investing - Theory, News & General
Topic: Strategies for Refilling Cash Holdings (Bucket 1) Over Time
Replies: 25
Views: 2227

Strategies for Refilling Cash Holdings (Bucket 1) Over Time

We don't really have official "buckets", but we do have cash holdings which, along with pension and SS income, could last us another 2-3 years, and we have a well-diversified 60/40 portfolio. After reading this article, "3 Key Decisions for Bucket Portfolio Management" at Morning...
by teacher
Sat Jun 25, 2016 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering taxes at RMD time
Replies: 26
Views: 3233

Re: Lowering taxes at RMD time

We have been converting from our tIRAs and 401k to our ROTHs the last two years starting at age 66, and we are using tIRA funds for taxes on the conversions since we are so close to having to take out RMDs. Our sons will inherit the lion’s share of the portfolio so the investments are long term. We ...
by teacher
Thu Apr 28, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Should a 60 yr old buy her first house?
Replies: 27
Views: 2920

Re: Should a 60 yr old buy her first house?

mte––In my mom's case, she netted $89,000 on the sale of her home and bought the new one for $77,000. She had $67,000 in savings. This was in 1983 in California where property taxes are 1% of the value of the home upon purchase and creep up no more than 2 percent or the rate of inflation, whichever ...
by teacher
Wed Apr 27, 2016 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should a 60 yr old buy her first house?
Replies: 27
Views: 2920

Re: Should a 60 yr old buy her first house?

mte––My mom was 64 when my father died. Her neighbors and friends encouraged her to sell her house and rent because she would not be able to keep up the home as she aged. A year later, a new neighborhood was being built a couple blocks from my home, and there was a very low maintenance, 992 square f...
by teacher
Thu Apr 14, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Paying too much for indiv disability ?
Replies: 3
Views: 441

Re: Paying too much for indiv disability ?

After years paying into term life insurance during our children's growing years, we put emphasis on disability insurance instead because we came to realize disability was more likely to occur than death. When we retired, we cancelled disability insurance and self-insure with our savings. Check out t...
by teacher
Thu Apr 14, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Paying too much for indiv disability ?
Replies: 3
Views: 441

Re: Paying too much for indiv disability ?

I am in no way qualified to answer your question, but maybe this will get you started on your quest. Consider that it is a commercial site. How much does disability insurance cost? "Disability premiums are based on your age, sex, occupation and the amount of potential lost income you are trying...
by teacher
Sun Apr 10, 2016 11:28 am
Forum: Investing - Theory, News & General
Topic: Are you planning to leave an "estate"?
Replies: 74
Views: 8110

Re: Are you planning to leave an "estate"?

We plan to leave an estate for our sons' security and our own well-being. Our goal has been to go our graves knowing they will be financially secure. Until then, we fund their ROTH's and pay their graduate degree tuitions. Sharing accumulated wealth now and after our demise is as much a gift to us a...
by teacher
Sat Apr 09, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: Outdoor Granite Restoration Product
Replies: 11
Views: 742

Re: Outdoor Granite Restoration Product

I don't know if this is a common concern for others, but if I find a solution that really works well, I will post it here. You all have given me some leads to pursue, and I thank you. I'll check with the headstone maker and granite manufacturers. I enjoyed seeing the Vietnam Veteran's memorial clean...
by teacher
Sat Apr 09, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: Outdoor Granite Restoration Product
Replies: 11
Views: 742

Re: Outdoor Granite Restoration Product

celia, For ease of mowing, since mid-century in California, headstones have typically been flat on the ground and usually made of granite or brass. They are in no way monumental or ornamental, but I would like them to be well-kept. I will take your advice, sport's and pshonore's advice to seek a pro...
by teacher
Sat Apr 09, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: Outdoor Granite Restoration Product
Replies: 11
Views: 742

Re: Outdoor Granite Restoration Product

celia wrote:
They weren't made the way they are now and are often very fragile.


These originated in the mid seventies and early eighties. Do you think they are old enough to be of concern? Your comment sure puts a different slant on things.
by teacher
Sat Apr 09, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Outdoor Granite Restoration Product
Replies: 11
Views: 742

Re: Outdoor Granite Restoration Product

sport wrote: You might want to contact a company that sells granite for architecture uses. They sometimes offer hints and methods for maintaining their products. I was planning on doing that I after see replies here. I will check out Wet and Forget, Higman. On Amazon, it looks like it is a liquid, a...
by teacher
Sat Apr 09, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: Outdoor Granite Restoration Product
Replies: 11
Views: 742

Outdoor Granite Restoration Product

This post is a long shot as for over a year, I have tried to find a product and process to restore headstones for my father and grandmother and to keep my mother's looking as it does now. After decades, family member headstones have lost their luster and look neglected. I have asked people at the ce...
by teacher
Fri Apr 08, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: American Airlines
Replies: 27
Views: 2243

Re: American Airlines

DaftInvestor wrote: Oftentimes what happens is flights are canceled due to whether based upon where the planes are coming from - not from where they are leaving. That was not the case. Both NorCal and SoCal had no weather to speak of. We were in the airport of her destination on a crystal clear, sta...
by teacher
Fri Apr 08, 2016 12:22 pm
Forum: Personal Consumer Issues
Topic: American Airlines
Replies: 27
Views: 2243

Re: American Airlines

During the Christmas holidays, my 75 year old sister-in-law flew a 12 hour flight from the UK to LA on British Airways, expecting to fly the last leg to NorCal on American; she had a pre-paid ticket. She ended up sitting in a chair for 13 hours while American scheduled her on four different flights,...
by teacher
Mon Apr 04, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: TIPs to Stable Value––Good Idea?
Replies: 11
Views: 1274

Re: TIPs to Stable Value––Good Idea?

Thank you, dbr. My ignorance is showing. :oops: I thought TIPs were a sort of place-saver (they don't drop precipitously), but they do not necessarily keep up with inflation either.
by teacher
Mon Apr 04, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: TIPs to Stable Value––Good Idea?
Replies: 11
Views: 1274

Re: TIPs to Stable Value––Good Idea?

Thank you for your input, nisiprius. I think what has changed is a gradual awareness that the vast majority of our investments will be long term, so my thought was if there was above average inflation, we could ride it out.
by teacher
Mon Apr 04, 2016 8:41 am
Forum: Investing - Help with Personal Investments
Topic: TIPs to Stable Value––Good Idea?
Replies: 11
Views: 1274

Re: TIPs to Stable Value––Good Idea?

prudent said: Many would suggest that if the lion's share of the portfolio will go to heirs far down the road, a 100% fixed income allocation is not the best choice. Also, be sure to understand if there are any restrictions on withdrawing from the SV fund. I meant 100% SV in the fixed side of the po...
by teacher
Sun Apr 03, 2016 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: TIPs to Stable Value––Good Idea?
Replies: 11
Views: 1274

Re: TIPs to Stable Value––Good Idea?

Thank you for your replies. Maybe the notion of having all fixed income in SV is recency bias. Ameliorating inflation was the initial motivation for investing in the TIPs fund, however, we have enough in cash to not need to sell any funds from the portfolio until RMDs in 2-3 years. The lion's share ...
by teacher
Sun Apr 03, 2016 11:46 am
Forum: Investing - Help with Personal Investments
Topic: TIPs to Stable Value––Good Idea?
Replies: 11
Views: 1274

TIPs to Stable Value––Good Idea?

About 27% of our fixed funds are in the Vanguard TIPS fund in a Traditional IRA. The rest is in a Stable Value fund at 2.48% with .35% ER in a 401B.
We are contemplating moving the TIPS to SV.
What should we consider before making this move?
by teacher
Sat Mar 19, 2016 8:29 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle [may have said] TIPS give you "income risk"
Replies: 58
Views: 5350

Re: Jack Bogle says TIPS give you "income risk"

Mel Lindauer wrote: One potential problem with putting TIPS in one's tax-deferred account is that, at withdrawal, the interest isn't exempt from state and local taxation despite being a Treasury issue that's normally exempt from those taxes. Kevin M. wrote: Of course this also is true for any Treasu...
by teacher
Thu Mar 10, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 69
Views: 18929

Re: Costco and AMEX

All I care is that the new credit card company sends out reward CHECKS, rather than put credit on the card for future purchases.
This Nana needs cold hard CASH back to spend on the grand babies. :happy
by teacher
Sat Jan 09, 2016 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of a Revocable Living Trust, specifically in England
Replies: 8
Views: 514

Re: Advantages of a Revocable Living Trust, specifically in England

We don't need to be concerned about the federal estate tax exclusion amount now or in the future, I reckon, so it's unlikely we will need to consider the special rules for noncitizen spouses. However, I appreciate knowing non-citizenship could be an issue in case the magic of compounding is indeed m...
by teacher
Sat Jan 09, 2016 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of a Revocable Living Trust, specifically in England
Replies: 8
Views: 514

Re: Advantages of a Revocable Living Trust, specifically in England

No, she and my husband are UK citizens; they're English. DH had an inheritance in a trust in England and moving the funds here was difficult. We couldn't find counsel in England who knew inheritance tax laws in the US, and our accountant couldn't advise tax consequences moving the funds to his accou...

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