Search found 70 matches

by carruthers209
Sun Nov 11, 2018 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Workers compensation policy -- how to source (as employer)
Replies: 6
Views: 483

Re: Workers compensation policy -- how to source (as employer)

I used State Farm for worker's compensation insurance for my father's caregivers. It was a flat fee somewhere around $500 per year per person. It was very easy, quick and efficient to set up. My dad had State Farm homeowner's and vehicle insurance so it was an easy add-on. (I think I just saw an ad ...
by carruthers209
Mon Oct 29, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as a trustee
Replies: 33
Views: 3052

Re: Vanguard as a trustee

Thanks for posting this question because I am also seriously considering Vanguard as the trustee for our financial brokerage assets in an irrevocable trust. I understand our real estate assets will have to be handled by a different entity-a paid fiduciary. The goal is to set up an irrevocable trust ...
by carruthers209
Sat Oct 13, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 39
Views: 2069

Re: Kaiser or CareFirst

Kaiser's also has been an amazing resource when we vacationed in Hawaii and my husband ran out of his Parkinson's meds-big no-no-on a Sunday afternoon and no refills left on his prescription. We live in northern California and have had Kaiser's for almost 50 years. The Honolulu Kaiser's hospital gav...
by carruthers209
Mon Sep 24, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: 7 Ways Medicare Will Improve in 2019
Replies: 10
Views: 1135

Re: 7 Ways Medicare Will Improve in 2019

Thanks for the hyperlink to the AARP article. I think the two huge pieces that the Medicare community will be following are the "Lifestyle Support" and "In home help." I read elsewhere that this is going to be a trial program with a small population first. Quite frankly, I don't know how on earth th...
by carruthers209
Wed Jul 11, 2018 12:26 am
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 8722

Re: Tipping at non sit down places

We should tip more whether we eat in, take out, or get deliveries. A few extra dollars don't mean much to bogleheads but mean a heck of a lot to the workers. The time to save is when you negotiate big ticket items, the interest rates on your car or home loans, invest in lower-fee funds, negotiate t...
by carruthers209
Fri Jul 06, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3897

Re: Anyone Tried Costco Travel Packages?

My husband and I did the Costco Italy Your Way or whatever it was about 10 years ago- for the 10 days and it was absolutely fabulous. We stayed in Venice in a hotel that was an old Doge's palace right next to San Marco's Square, took several tours-Murano Glass Factory, the lace making island, gondol...
by carruthers209
Wed Jun 13, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 6444

Re: long term care insurance

https://www.wsj.com/articles/long-term-care-insurance-isnt-dead-its-now-an-estate-planning-tool-1528387201 This article in the Wall Street Journal was just posted (June 11th) and highlights hybrid policies which for some families, could be very helpful. It's an interesting read. It's definitely aim...
by carruthers209
Wed Jun 13, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3758

Re: Vanguard Advisor Services

Interesting posts. Now that I've reached the 70 year old milestone, I realize that my own cognitive decline could very well happen in the next decade or two-hopefully I will see the longer term horizon but I can already tell that my memory is no longer as good as I wish it were-can't seem to get tho...
by carruthers209
Tue May 29, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Revocable Trust - Asset Protection from Collections/Possible Identity Theft?
Replies: 4
Views: 414

Re: Revocable Trust - Asset Protection from Collections/Possible Identity Theft?

So sorry for your travails-estate issues and trying to be an advocate for a family member can be very frustrating and I highly recommend you go to an attorney to get the best advice and direction. My first concern would be to make sure your great aunt's assets are protected. Lock down those accounts...
by carruthers209
Mon May 14, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Audiobooks and the Overdrive App
Replies: 19
Views: 1965

Re: Audiobooks and the Overdrive App

Second vote for Hoopla also. I've added Overdrive and Hoopla to my local library rentals and Hoopla has a vast, vast collection of those old time audio books-you remember-the cassette tapes that used to stretch and turn up missing in the olden days-ha-ha. Hoopla seems to have the favorite classics a...
by carruthers209
Mon May 07, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Rental car damage claim
Replies: 10
Views: 1689

Re: Rental car damage claim

Sorry to read about your issue with Enterprise Car Rentals. Unfortunately they are known for this practice and this is the reason I will never rent from them. It appears to be an egregious practice that is well documented in feedback forums. You might try very public resources like newspaper fraud c...
by carruthers209
Sat May 05, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: Can We Move To Oahu ?
Replies: 17
Views: 3174

Re: Can We Move To Oahu ?

Congratulations on your plans to live on Oahu. It's a very special place to live and it looks like you have family there which makes it a better fit. I wonder what the property taxes will be like-hopefully not too high. And there's always "island fever" which might be something that could happen. We...
by carruthers209
Tue Apr 24, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: What to do with an inherited Roth IRA
Replies: 10
Views: 1387

Re: What to do with an inherited Roth IRA

Congratulations to your grandfather on his amazing achievement. I am currently looking into the same issue-albeit with considerably less in my Roth. Please have your grandfather hire a really competent estate planning attorney to give him a professional assessment of what is legally possible. My est...
by carruthers209
Tue Apr 03, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-
Replies: 136
Views: 12323

This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-

http://time.com/money/5209776/this-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-do-it/ In case you missed the article, this young couple have their FIRE plan going big time and Lily credits the Boglehead forum for giving her the smarts and expertise to develop...
by carruthers209
Sat Mar 31, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I loan my child money for college?
Replies: 73
Views: 6400

Re: Should I loan my child money for college?

I think it was really excellent that so many people wrote in about how a community college for the first two years and then a state university for the last two years is probably the smartest, low cost option to obtain a bachelor's degree. I don't think that young adults have any clue that the loan t...
by carruthers209
Thu Mar 29, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover to Vanguard requires brokerage account?
Replies: 24
Views: 2464

Re: Rollover to Vanguard requires brokerage account?

What exactly does SIPC insurance cover? If it's like FDIC insurance for the banks, it insures our funds should the bank default and close its doors. If there is fraud involved with our accounts, I was told that the bank (in this case B of A) would cover the fraud even if were a million dollars. I wo...
by carruthers209
Thu Mar 29, 2018 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Cosign college loan for sibling?
Replies: 87
Views: 4949

Re: Cosign college loan for sibling?

You said your dad CO-signed for you. That means that actually the debt was yours and in your name. I agree with the other writers that you should take over what is rightfully your debt. How can you not find out about this loan in your name? You signed the paperwork, right? The amount of loans that s...
by carruthers209
Wed Mar 28, 2018 12:21 am
Forum: Investing - Theory, News & General
Topic: What would you do if you were in charge of a State Pension Fund?
Replies: 36
Views: 2460

Re: What would you do if you were in charge of a State Pension Fund?

Interesting question and just for the sake of enlightenment, what was the rate of return in the last 20 years for CalSTRS and the same figure, for say, the three fund portfolio that is so highly respected on this forum? I am earning my pension from CalPERS and read that it is in trouble also. The sc...
by carruthers209
Thu Mar 22, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Buying 2018 Honda Pilot
Replies: 23
Views: 3815

Re: Buying 2018 Honda Pilot

You don't know the size of the bullet you dodged on that one. I am curious --- are you aware of the transmission problems Honda had in that era? I think I bought the Pilot in the second year of its offering. I remember I was looking at Honda Passports which had terrible ratings and decided to wait....
by carruthers209
Thu Mar 22, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Berlin - how many days and where to stay?
Replies: 33
Views: 2393

Re: Berlin - how many days and where to stay?

If you go to Museum Island and you definitely should-the Pergamon Museum stands out in my mind. It has the Gates of Ishtar (those stunning blue tile Babylonian gates with an inscription to Nebuchchadnezaar on it as well as the gigantic Altar to Zeus with all the marble steps you can sit on. Then whe...
by carruthers209
Wed Mar 21, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Excess Liability Insurance - Umbrella Insurance
Replies: 55
Views: 4523

Re: Personal Excess Liability Insurance - Umbrella Insurance

We purchased umbrella insurance many years ago-I think a couple of million dollars and it was really very inexpensive for the coverage-rentals we own, home and cars-provided. The years have gone by and now I find our net worth has also grown a lot-in my mind anyway. I know the blood, sweat and tears...
by carruthers209
Wed Mar 21, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Buying 2018 Honda Pilot
Replies: 23
Views: 3815

Re: Buying 2018 Honda Pilot

Don't forget that Costco offers discounts through the various dealerships. I purchased our Honda Pilot in 2004 (with the Costco discount), have over 200,000+ miles with the original engine and transmission. I thought about buying a new Honda Pilot with all those lovely bells and whistles-i.e. the sa...
by carruthers209
Thu Mar 15, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and Utah Parks
Replies: 16
Views: 1821

Re: Grand Canyon and Utah Parks

https://utah.com/national-parks/grand-circle We did the Grand Circle tour of national parks in Utah as well as an additional stop in the Road Scholar's tour brochure-Edge of the Cedars Park. Last spring we did pretty much all of the Grand Circle (except Arches-too far north). It was spectacular and ...
by carruthers209
Fri Mar 09, 2018 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Capital One Investing Changing to E-Trade - Anyone Moving?
Replies: 13
Views: 6191

Re: Capital One Investing Changing to E-Trade - Anyone Moving?

I have moved two of my portfolios from Capital One to Vanguard. The third is taking forever-it's a joint account with my husband. Well, forever is a hyperbole-just feels like it. It's already been a month a half. I started this investment way back when my credit union offered/sponsored (?) this opti...
by carruthers209
Thu Mar 08, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for new credit card when credit is frozen?
Replies: 17
Views: 1587

Re: Applying for new credit card when credit is frozen?

I've had frozen credit reports now for probably about 15 years and of course the first time I unfroze my credit report, I screwed it up. (They ended up having to send me my PIN number in the US mail). Now that I've gotten better at it, it's a relatively painless and easy process. It only takes a few...
by carruthers209
Mon Mar 05, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care: Excellent Morningstar article [75 Must-Know Statistics About Long-Term Care]
Replies: 23
Views: 3117

Re: Long Term Care: Excellent Morningstar article [75 Must-Know Statistics About Long-Term Care]

The article doesn't indicate whether 52.3% includes those that will need assisted living. Although not as expensive many will require this due to reduced mobility, impaired eyesight (can't drive), assistance in preparing meals, etc. LTCi whether a traditional plan or hybrid does not pay for this as...
by carruthers209
Fri Feb 23, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads: What are you doing to prepare for dementia/alzheimers?
Replies: 60
Views: 6505

Re: Bogleheads: What are you doing to prepare for dementia/alzheimers?

Let's hope for the best and your acting out dream wasn't a precursor for something worse. If I were you I would be making an appointment to see a neurologist. Their specialty includes issues that you are concerned with and by the way, acting out your dreams (ii.e. REM disturbances) can also be Parki...
by carruthers209
Thu Feb 22, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 149
Views: 9137

Re: Long term care insurance

www.nytimes.com/2018/02/22/business/nursing-home-eviction-regulators.html?hp&action=click&pgtype=Homepage&clickSource=story-heading&module=first-column-region®ion=top-news&WT.nav=top-news The New York Times published this article which highlights how desperate many skilled nursing facilities and...
by carruthers209
Wed Feb 21, 2018 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 149
Views: 9137

Re: Long term care insurance

We have spent the last several months visiting and evaluating facilities for a family member who was suffering from dementia. We learned that the nicer ones require at least two years of accessible financial resources before they will accept someone for placement. It turns out that if that person ru...
by carruthers209
Wed Feb 14, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Pilot vs. Kia Sorento vs. RAV4 - Help me pick
Replies: 14
Views: 1341

Re: 2016 Honda Pilot vs. Kia Sorento vs. RAV4 - Help me pick

I have the 2004 Honda Pilot with four wheel drive with over 200,000 miles and I plan on keeping it until-maybe it dies. Of course it doesn't have the nifty safety features that the new Pilot has-Honda Sensing, etc. I am jealous but don't want to give up my Honda. Bought the rear view camera (Garmin ...
by carruthers209
Thu Feb 08, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Munich to Venice
Replies: 15
Views: 1104

Re: Munich to Venice

One more possible wrinkle. We did the Eurorail from Munich to Venice-Austria was beyond lovely-several years ago. Then we got to Venice and found out that the Italian Eurorail train staff seem to regularly go on strike. It only affected Italy. We missed it by a day or two. I had no idea and was so t...
by carruthers209
Tue Feb 06, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: [Vanguard Health Care Fund vs. Health Care ETF]
Replies: 5
Views: 938

[Vanguard Health Care Fund vs. Health Care ETF]

[Moved into a separate thread from: Tax Efficiency of ETF's --admin LadyGeek] I would appreciate it if someone could please explain why the Vanguard Health Sector ETF seems to be significantly higher in returns than the Vanguard Health Care Fund. I've noticed this over time and it seems like the ET...
by carruthers209
Tue Jan 30, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 10404

Re: Neighbor recently burgalerized - Suggestions for home security

Our neighborhood used to be a huge target for burglaries-nice neighborhood, well tended landscapes, obviously middle class. Over the last year the burglaries have dropped to almost nonoccurrence. I think the one thing that many people did was to buy the Ring Doorbell. All of sudden on our Facebook n...
by carruthers209
Sun Jan 14, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Executor/Trustee question
Replies: 20
Views: 1621

Re: Executor/Trustee question

California has a Small Estates Affidavit for $150,000. So if your nontrust assets total less than $150,000 and are documented on the Small Estates Affidavit, you avoid probate proceedings. This is such a reasonable law and efficient process for those of us who are going to unwind our families estate...
by carruthers209
Sat Jan 06, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: POA and Legal liability
Replies: 35
Views: 1795

Re: POA and Legal liability

Umbrella insurance is your best financial friend-in my opinion. We all worry about getting sued and you are stepping into a situation in which you could have legal liability-I'm not an attorney-that's whom you need to consult. You want to do right by your brother and have inherited a complicated sit...
by carruthers209
Sat Jan 06, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: POA and Legal liability
Replies: 35
Views: 1795

Re: POA and Legal liability

Parkinson's is progressive and it seems like right now things are going relatively smoothly. I think it's a good opportunity to plan for the future-when the Parkinson's and dementia inevitably progresses. You need to have a plan and doing your research now is good idea. The recommendation for a care...
by carruthers209
Thu Dec 14, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 2020

Re: Need to find a Used/Refurbished Macbook Air

https://www.apple.com/shop/browse/home/specialdeals/mac/macbook_air/13 I highly recommend using the actual Apple.com website to purchase your daughter a refurbished and warrantied for a year Mac Book Air from Apple. There is a discount of about $150 on the only one they have for sale right now. I ga...
by carruthers209
Tue Nov 28, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: What would trigger the NEXT market meltdown?
Replies: 19
Views: 1953

Re: What would trigger the NEXT market meltdown?

www.cnbc.com/2017/11/02/incoming-ceo-of-vanguard-manager-of-nearly-5-trillion-says-cybersecurity-keeps-him-up-at-night.html Vanguard's Tim Buckley shared that his biggest fear in running the multitrillion dollar investment firm: getting hacked. Buckley, who succeeds Bill McNabb as CEO on Jan. 1, was...
by carruthers209
Sun Nov 12, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Investing HOA reserve money?
Replies: 24
Views: 2249

Re: Investing HOA reserve money?

Thanks for the post on HOA reserve funds. Hadn't even occurred to me that there would possibly be a large reserve in our HOA which has 2400 members and an annual budget of over a million dollars. The budget was just sent out and I see lots of references to a 30 year financial reserve. One extra note...
by carruthers209
Tue Nov 07, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 96
Views: 7290

Re: Out of network care

One more vote for Kaiser's health care. We've had Kaiser's for about 50 years and never felt the need to change. Consumer Reports has given Kaiser's five stars in both northern and southern California-this rating is consistent and continues over the years. What I really love about Kaiser's is their ...
by carruthers209
Mon Oct 30, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 8105

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

I have used PayPal in the past because it is seen as a safer way to send and receive money. My granddaughter uses it along with eBay for selling items to strangers which is what eBay is all about. It is harder to scam people with PayPal because it is sent to your PayPal account.
by carruthers209
Sat Sep 09, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 10717

Re: Protecting moms assets from nursing home expenses

Second vote for A Place for Mom. I remember seeing Joan Lunden on TV talking about what a struggle it was to find out information about assisted living/memory care for her mom. A Place for Mom was set up by Joan Lunden as a resource for families struggling to find information about living facilities...
by carruthers209
Tue May 30, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: "Security freeze" to prevent credit fraud
Replies: 24
Views: 3728

Re: "Security freeze" to prevent credit fraud

My daughter had her identity stolen-probably at the DMV when she renewed her driver's license. The thief opened three new accounts for about a $1000 each-instant credit-by the stores all in the same day. That woman walked out with thousands of dollars of goods. I talked to the theft prevention staff...
by carruthers209
Tue May 30, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: How best to care for someone who frequently falls
Replies: 32
Views: 3676

Re: How best to care for someone who frequently falls

So sorry for your family's hardship with your father-in-law's falls. It is a common problem in the elderly, frail and disabled community. A visit to your local fire department should acquaint you with their non-emergency lift service. Their staff are trained and have the necessary equipment to do sa...
by carruthers209
Mon Apr 03, 2017 1:24 am
Forum: Personal Finance (Not Investing)
Topic: Will vs Living Trust
Replies: 59
Views: 7112

Re: Will vs Living Trust

If you set up a revocable living trust with a good estate planning attorney it will probably cost you about $2,000. If you fail to set up every single item-all your financial accounts, real estate, possible tangible assets, insurance policies, portfolio accounts, etc. correctly, you could cause your...
by carruthers209
Tue Mar 21, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Recording documents in California...Will, Living Will, Power of Attorney
Replies: 4
Views: 556

Re: Recording documents in California...Will, Living Will, Power of Attorney

I have read that if you are using a beneficiary deed-new California law in 2016-it needs to be notarized and recorded within sixty days at the county of the residence. It becomes a TOD. The beneficiary deed for a residential property can remove the need for probate by reducing your estate. If your e...
by carruthers209
Tue Mar 07, 2017 12:07 am
Forum: Personal Finance (Not Investing)
Topic: Gift to Child for Roth IRA
Replies: 13
Views: 1274

Re: Gift to Child for Roth IRA

Giving her a Roth is a great start. Is there some reason you would deduct it from her inheritance? Can't you just even up any future gifts to her siblings? I think the goal is to encourage her working career and teach her how to invest. You might help her open a Vanguard account and put the money in...
by carruthers209
Mon Feb 27, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ending a special needs trust.
Replies: 10
Views: 1674

Re: Ending a special needs trust.

I am so sorry for your stroke. It sounds like you have younger children and are locked up in some facility. Something is wrong here. The suggestion to get another attorney-elder law attorney sounds right on. Although you are not able to speak-I assume because of your stroke-you still have rights-to ...
by carruthers209
Fri Feb 24, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: What if someone gets your password and transfers money from your bank to theirs?
Replies: 42
Views: 10162

Re: What if someone gets your password and transfers money from your bank to theirs?

I asked a manager at a Bank of America branch in California about identity theft with a bank account and was told that our assets, as consumers, are protected even if the amount exceeds the $250,000 FDIC limit. So a fraudulent event even beyond $250,000 is covered. So I would check with your bank ma...
by carruthers209
Mon Jan 30, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help with 25 Year Old Daughter-In-Law.
Replies: 36
Views: 6967

Re: Please Help with 25 Year Old Daughter-In-Law.

Might I suggest that you look at buying her a good laptop computer. I assume she has one but more likely than not it's not a reliable or dependable device. There are many on-line courses and certificates that she could earn in a field that she's interest in. That would allow her to stay at home with...