Search found 96 matches

by louiethelilac
Sat May 09, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Any mental health pros giving up their offices?
Replies: 2
Views: 813

Re: Any mental health pros giving up their offices?

Not a pro, but a current customer :) of both telemed and tele-psych (related to the physical aspect) services and I do believe this trend is here to stay and that Insurance and regulatory requirements will continue to adapt. I think the cost-benefit ratio for many practitioners who maintain a physic...
by louiethelilac
Mon Apr 06, 2020 11:15 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75832

Re: I have COVID-19. Some thoughts.

OP here. First, thanks for all the good wishes. You are all very kind. I'll try to answer some of the outstanding questions. - Re: the "cocktail," no that was not given to me. Mostly observation after all the testing - Very short stay totally in the ICU since thank goodness I did not require additio...
by louiethelilac
Mon Apr 06, 2020 6:24 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75832

Re: I have COVID-19. Some thoughts.

If you're comfortable could you share where you live and how you think you got it? What did your doctors say about immunity? Opinions in my ivory tower are mixed. I believe the late deaths were cardiac arrhythmias. Sure I'm in New Jersey. Can't say for sure how I got it but I can speculate that it ...
by louiethelilac
Mon Apr 06, 2020 6:13 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75832

Re: I have COVID-19. Some thoughts.

Glad you are doing well. Now you're immune for awhile, that must be a nice feeling. Before I read that you were through it, I was going to post a warning that I have read a couple of times about people feeling better, being released, and then dying a few days later. Why that happens, I would like t...
by louiethelilac
Mon Apr 06, 2020 12:37 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75832

Re: I have COVID-19. Some thoughts.

Glad you are doing better. While I don’t wish a hospital stay or a medical scare on anyone, they do put life in perspective. You realize how important health is and how quickly you can go from being fine to maybe having a major illness. I saw my mother get diagnosed with an incurable disease and my...
by louiethelilac
Mon Apr 06, 2020 12:36 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75832

Re: I have COVID-19. Some thoughts.

Glad you are doing well. Now you're immune for awhile, that must be a nice feeling. Before I read that you were through it, I was going to post a warning that I have read a couple of times about people feeling better, being released, and then dying a few days later. Why that happens, I would like t...
by louiethelilac
Mon Apr 06, 2020 12:12 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75832

Re: I have COVID-19. Some thoughts.

rgs92 wrote:
Mon Apr 06, 2020 12:09 am
All the best to you.
Thanks
by louiethelilac
Mon Apr 06, 2020 12:12 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75832

Re: I have COVID-19. Some thoughts.

Glad you are doing well. Now you're immune for awhile, that must be a nice feeling. Before I read that you were through it, I was going to post a warning that I have read a couple of times about people feeling better, being released, and then dying a few days later. Why that happens, I would like t...
by louiethelilac
Mon Apr 06, 2020 12:10 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75832

Re: I have COVID-19. Some thoughts.

DesertDiva wrote:
Sun Apr 05, 2020 11:57 pm
Thanks for sharing your experience. Wishing you well in your recovery.
Appreciate the good wishes.
by louiethelilac
Mon Apr 06, 2020 12:08 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75832

Re: I have COVID-19. Some thoughts.

manatee2005 wrote:
Sun Apr 05, 2020 11:56 pm
Glad to hear you’re on the mend!

What were the symptoms like?
Thank you! Initially just a dry cough. Then came fever and fatigue, but it was the wheezing that was the clincher in getting tested and admitted. I won't go into further detail though to adhere to the forum's policy.
by louiethelilac
Sun Apr 05, 2020 11:54 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75832

I have COVID-19. Some thoughts.

[Thread merged into here, see below (Page 6) --admin LadyGeek] As someone who has contracted the virus and is thankfully now back home on the mend (after a 3 day hospital stay), I thought I'd share some initial thoughts while they are still fresh in my fatigued mind. I hope they are helpful. The cl...
by louiethelilac
Sat Mar 21, 2020 4:45 am
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 13203

Re: 2020 COVID Crash Lessons

I have learned that my tolerance for stock fund declines is much higher than for bond fund declines.
by louiethelilac
Fri Mar 20, 2020 8:33 am
Forum: Personal Investments
Topic: Anyone (now) regret choosing a lump sum vs. annuity option?
Replies: 16
Views: 1320

Re: Anyone (now) regret choosing a lump sum vs. annuity option?

Was just discussing this with a retired friend, who said that if he had to make the decision all over again he would go with the annuity (joint survivor) so that if he were no longer around in times like these it would be much less stressful for his wife if she had a regular check coming in. The psy...
by louiethelilac
Wed Mar 18, 2020 8:17 am
Forum: Investing - Theory, News & General
Topic: Deploying your emergency fund to buy stocks? Think again.
Replies: 183
Views: 29685

Re: Deploying your emergency fund to buy stocks? Think again.

EF is by definition for emergencies. I think this is a potential emergency (like 2008 was). So yes using using an EF now to deploy to a risky asset seems counter-intuitive. Of more concern might be for me is how my EF is now deployed, which is over 50% in the Vang. Intermediate Municipal bond fund. ...
by louiethelilac
Tue Mar 17, 2020 8:15 am
Forum: Personal Finance (Not Investing)
Topic: VITA site staying open?
Replies: 16
Views: 800

Re: VITA site staying open?

Received this from our regional coordinator, and I think VITA has followed suit. Many of our preparers and clients are in the high risk group. AARP Foundation Tax-Aide Sites Service Suspended Until Further Notice As coronavirus (COVID-19) developments change hour by hour, AARP Foundation is doing it...
by louiethelilac
Mon Mar 16, 2020 10:39 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 26355

Re: How much you lost/gain since Feb 20,2020 ?

Whether or not you sold is irrelevant in my opinion. If you lost $1M on paper then that money is gone. Personally, I've lost over $2M since 2/20. Went against everything I believed in and sold a good chunk of equities 10 days ago. It just seemed so obvious what was about to happen given we're getti...
by louiethelilac
Wed Mar 11, 2020 5:19 pm
Forum: Personal Investments
Topic: This is why I like buckets
Replies: 11
Views: 1376

Re: This is why I like buckets

How empty does the bucket get before you refill it? Or do you empty it and hope never to need that bucket again? If you refill it, how do you know when and how full? I don't get buckets. Well in my case I refill with dividends and interest over and above spending to try to keep it a certain level (...
by louiethelilac
Sun Feb 23, 2020 2:00 pm
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6734

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

NJ resident here for the last 35 years. In retirement (soon) we may consider at least 1/2 residence in a lower taxed area, but probably not. Very hard to do "what if" analysis with regard to standard of living during your working years because there are so many variables. Fair Lawn is an expensive b...
by louiethelilac
Thu Feb 20, 2020 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard as successor trustee?
Replies: 5
Views: 537

Re: Vanguard as successor trustee?

Is there some particular reason for you to have a revocable trust in New Jersey? Probating a Will in New Jersey couldn’t be simpler. The court clerks will even fill out the forms for you. After that, absent a dispute, you don’t need to deal with the court except for filing one form saying you sent ...
by louiethelilac
Thu Feb 20, 2020 5:03 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard as successor trustee?
Replies: 5
Views: 537

Vanguard as successor trustee?

I need to update my trust (we live in New Jersey) and was strongly considering adding Vanguard as a successor trustee after my spouse, which I understand would only involve my estate incurring fees after we both die. I no longer own a home (one reason I need to update the trust) and any non Vanguard...
by louiethelilac
Fri Feb 14, 2020 2:23 pm
Forum: Personal Investments
Topic: Need help in evaluating lump sum/pension options for couple friend
Replies: 34
Views: 1128

Re: Need help in evaluating lump sum/pension options for couple friend

I’m glad that I don’t have to make this decision. If it’s really a requirement to leave money to the children, the lumpsum is the way to go. That will make for bigger RMDs which they can start to deal with on retirement. It seems like there is no reason to defer if you go the pension route. It's a ...
by louiethelilac
Tue Feb 11, 2020 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Use same lawyer to update trust and other estate documents?
Replies: 7
Views: 543

Re: Use same lawyer to update trust and other estate documents?

Our revocable trust (created 8 years ago) needs to be updated (no longer own a house, wish to tweak how beneficiaries get allocated, make changes if necessary accounting for new tax law, etc.). I would grade the law firm we used as just OK (knowledgeable but as I think back too "salesy"). Is it typ...
by louiethelilac
Sat Jan 25, 2020 12:42 am
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 4287

Re: Happy Birthday Taylor! 96 years young!

Happy birthday sir!

Great picture too! Is that the small value manager tilting his head in the background?
by louiethelilac
Wed Jan 01, 2020 12:48 pm
Forum: Personal Consumer Issues
Topic: Use Amazon to Assemble Cabinet?
Replies: 3
Views: 601

Use Amazon to Assemble Cabinet?

I'm not one of those folks who enjoys the challenge of assembling things and I find in particular items with numerous pieces of hardware and drawers/hinges particularly frustrating to put together. I normally order furniture from local brick and mortar stores but saw a couple of decent cabinets on A...
by louiethelilac
Wed Dec 11, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting IRA distributions from Treasury MM fund on state return
Replies: 6
Views: 334

Re: Reporting IRA distributions from Treasury MM fund on state return

Ah another NJ tax question related to treasuries in an IRA. I'm not sure I'm too much clearer on this than when I first asked the question, but it appears that there is enough support (or ambiguity) among the consensus that it does make sense to assume favorable NJ state tax treatment of the distrib...
by louiethelilac
Sat Dec 07, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Quantifying the value of employment near retirement
Replies: 64
Views: 3298

Re: Quantifying the value of employment near retirement

Make sure to look at the time value of life. i.e. we don't live forever. Time to enjoy life to its fullest. Yes no doubt. However if one does not like to travel (like me), has no time consuming hobbies (like me), and pretty much "enjoys" time in and away from the office (like me - including on vaca...
by louiethelilac
Sat Dec 07, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Quantifying the value of employment near retirement
Replies: 64
Views: 3298

Re: Quantifying the value of employment near retirement

I like the way you're thinking about it. Might not be perfect - but there is a certain logic to it. Essentially the assumption that you no longer NEED to work to meet expenses now and going forward. So, you can CHOOSE to work or not. You are looking at the incremental benefits versus the incrementa...
by louiethelilac
Thu Nov 28, 2019 11:27 pm
Forum: Investing - Theory, News & General
Topic: TIPS Taxes and IRAs
Replies: 8
Views: 948

Re: TIPS Taxes and IRAs

Some States (I know of only one and it is not California) allow U.S. Government interest earned in a traditional IRA to be subtracted from the State taxable interest when distributions are taken from the IRA. However, some taxpayers might call the worksheet that needs to be completed complicated. N...
by louiethelilac
Wed Nov 27, 2019 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Combining IRA Accounts - Pros, Cons?
Replies: 10
Views: 712

Re: Combining IRA Accounts - Pros, Cons?

- Aside from simplicity, are there any other benefits do doing this? - If we do this, are we limiting our flexibility with regard to titling our assets for estate planning purposes? i.e., we have three children and right now have child is named the secondary beneficiary on each account. Or when the...
by louiethelilac
Mon Oct 21, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Google Wifi Mesh 2 Pack vs. TP Link Deco 3 Pack
Replies: 28
Views: 2506

Re: Google Wifi Mesh 2 Pack vs. TP Link Deco 3 Pack

If you have a Costco membership, they are selling the Netgear Orbi RBK22 for $149. These support MU-MIMO and have a dedicated third band for connecting the satellite to the main base. The Google system does not have either of those. The orbi units are generally reviewed as the best mesh system out ...
by louiethelilac
Sun Oct 20, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Google Wifi Mesh 2 Pack vs. TP Link Deco 3 Pack
Replies: 28
Views: 2506

Google Wifi Mesh 2 Pack vs. TP Link Deco 3 Pack

Bought my first mesh system (Google) to replace my previous router/extender config; 2 pack works well for my 2 bedroom (1,700 Sq. Ft.) apt., but for $50 less I can get a 3 pack TP-link (pr meshforce) system. I can still return the Google units. Can I expect the 3 pack system (non Google) to provide ...
by louiethelilac
Thu Oct 10, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: In home part-time senior care options?
Replies: 13
Views: 969

In home part-time senior care options?

Looking for in home care help for my MIL who has mild dementia and is in an independent living facility but not yet a candidate for assisted living ; need someone 2-3 hours a day to do some basic household stuff, nothing that requires medical certification or experience, just a very reliable and pat...
by louiethelilac
Fri Oct 04, 2019 6:54 pm
Forum: Investing - Theory, News & General
Topic: Primecap or Capital Opportunity
Replies: 3
Views: 918

Primecap or Capital Opportunity

Looking to consolidate the number of funds in my Roth. I like the idea of keeping some funds in one of these two (I currently have both) but realize they have extreme overlap, same management team, etc. and am planning to move the balance of one into the other. I understand Capital Opportunity is su...
by louiethelilac
Thu Oct 03, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: [When my children marry, should they sign a pre-nuptial agreement?]
Replies: 95
Views: 8724

Re: Daddy I'm engaged! Pre-nup?

We're not hearing wedding bells yet but our son and daughter are both launching themselves... one in the military and the other is just finishing up college. I would appreciate some input on the unfamiliar (to me) subject of pre-nuptial agreements for children who get engaged. Someday our kids will...
by louiethelilac
Wed Sep 25, 2019 7:50 am
Forum: Personal Investments
Topic: Managed payout fund
Replies: 7
Views: 855

Re: Managed payout fund

I use it in my IRA; not for the payout (the purpose for which it is intended), but to get relatively cheap exposure to alternatives. I'm not fully convinced that this additional diversification will result in higher risk adjusted returns for me in the future (thus far it hasn't) or whether the fund'...
by louiethelilac
Sun Sep 15, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: What to expect at a Jewish funeral?
Replies: 7
Views: 2272

Re: What to expect at a Jewish funeral?

In addition to what has been mentioned, If you know that the family belongs to a particular temple, call that synagogue and mention that you would like to contribute in memory of the deceased. Most likely the office staff or clergy will be able to direct you to do what the family would appreciate mo...
by louiethelilac
Tue Sep 03, 2019 7:19 am
Forum: Personal Investments
Topic: Learnings/Regrets from last two recessions
Replies: 91
Views: 12984

Re: Learnings/Regrets from last two recessions

I learned that just like equity risk, one must account for the risk of his/her human capital in making portfolio decisions. No job is completely safe, especially in recessionary times.
by louiethelilac
Mon Sep 02, 2019 9:56 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Strategy
Replies: 28
Views: 4367

Re: Portfolio Strategy

I also agree with Taylor that valuation based expected return forecasts sound good but have a dubious record in practice. Look at the early 2000s forecasts that overestimated bond returns & foreign stock returns significantly & underestimated US stock returns to date. One solution is to examine bot...
by louiethelilac
Mon Aug 26, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Aid Volunteering for AARP or VITA
Replies: 52
Views: 3305

Tax Aid Volunteering for AARP or VITA

I'm thinking of signing up for one of these and looking for insights from people who have done one or both.

What are the time commitments?
Have you found it rewarding and a good opportunity to meet others?
Any pros/cons that you can think of?
by louiethelilac
Thu Aug 22, 2019 7:40 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 18815

Re: White collars- How much is your work downtime?

About 80%. Not kidding. But unusual in that I have a specialized role, no direct reports, remote working arrangement, and no direct customer interaction. Top performer (based on results).
by louiethelilac
Wed Aug 21, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 70
Views: 8716

Re: Anybody else enjoy sitting around and doing little in retirement?

I let the outside activities "come to me," but don't go looking for them (or do them only) for fear of having nothing to do. So far that has worked out well. I think the #1 fear I would have in retirement is living alone--something I've never done except for a couple of months when I was 17, and I ...
by louiethelilac
Sun Aug 18, 2019 9:39 am
Forum: Personal Investments
Topic: Don’t put new money in market right now??
Replies: 59
Views: 8083

Re: Don’t put new money in market right now??

The advice is not surprising. Advisors have an incentive to "sound smart" and appeal to what clients are likely to accept as "common sense" (the market is "high" why buy now)? But the advisor does not know what will happen nor what the true odds are of what will happen in the near term. I do not kno...
by louiethelilac
Tue Aug 13, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 11375

Re: Critique my exercise routine because it's not working for me

Chew every mouthful of food - 12 reps each bite. You will lose weight soon.
by louiethelilac
Tue Aug 13, 2019 7:41 am
Forum: Personal Investments
Topic: Can having wealthy parents be a justification for a more aggressive investment strategy?
Replies: 97
Views: 8152

Re: Can having wealthy parents be a justification for a more aggressive investment strategy?

Welcome to the Board! I agree that 100% equities makes a lot of sense for you at your age. It's what I did, and it's what I'm advising my children (who are about your age) to do. Personally, I'd begin to taper back somewhere in the age 45-50 timeframe; that may be more aggressive than many. OP, I d...
by louiethelilac
Mon Aug 12, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 18703

Re: Wellesley 56.05% drop today

AvidGardener wrote:
Mon Aug 12, 2019 5:35 pm
What happened?!? Wellesley VWIAX was around $64.96 per share. I just looked, it's $28.62, losing $36.50 per share today. A 56.05% drop :confused
Time to rebalance into Vanguard balanced funds before they catch the error
by louiethelilac
Fri Jul 26, 2019 7:53 am
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 20745

Re: Laid Off - Want to Retire / Am I OK

It does not seem that the issue is whether you have enough assets to retire (sure looks like you do), but whether you are comfortable with your asset allocation. You seem concerned with sequence of returns risk and having to sell shares (on top of dividend income) to meet your expenses, but there is...
by louiethelilac
Thu Jul 25, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Where would you move to?
Replies: 130
Views: 10616

Re: Where would you move to?

My wife and I are trying to determine a place to move. Reasons why are a long story. We're at a loss for where to go. We do know that we'd like to be in a state that has no income taxes. We live an active outdoor life will the dogs. We'd like to be in a place with a smaller population and reasonabl...
by louiethelilac
Wed Jul 24, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you return items purchased online?
Replies: 20
Views: 1316

How often do you return items purchased online?

We spend about $1,500 per year on online shopping (mostly on Amazon). We're happy with about 80% of our purchases. For the other 20%, I find myself getting too lazy to return anything below $20. Sometimes I rationalize it by thinking I still might get some use of it (as a spare "something"), even th...
by louiethelilac
Sun Jul 07, 2019 7:52 am
Forum: Personal Investments
Topic: If I want to time the market
Replies: 67
Views: 4221

Re: If I want to time the market

I did this on Friday (with 10% of my existing portfolio) and used Prime Money market, which I do not view as "cash" but rather a separate asset class from stocks and bonds. I have no issues holding it for the long term as I do not take it as a given that I will be compensated over the next 5-10 year...
by louiethelilac
Fri May 17, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 6487

Re: Guidance on choosing between UMich and Brown

Familiar with both schools. If he is the least bit "nerdy" (and I mean that with the utmost respect), in a vacuum I would predict he will be much happier at Brown.