Search found 1004 matches

by Jackson12
Sat Nov 02, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here use a fee-only flat fee investment advisor?
Replies: 17
Views: 1621

Re: Anyone here use a fee-only flat fee investment advisor?

"Fee only" can mean an AUM fee. This. You may have to search to find a flat fee advisor who truly charges a one time and reasonable flat fee not based on the AUM. Alan Roth is an example of a true flat fee advisor who doesn’t charge an AUM fee. There are others but you may have to wade through a li...
by Jackson12
Sat Nov 02, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Wade Pfau's Safety First Book
Replies: 11
Views: 2035

Re: Wade Pfau's Safety First Book

Goodreads.com has reviews. I guess my concern is that some folks write that it ends up being a sales book for a company. Before I spend money on that, I'll just see the library copy. Maybe the reviews are cattywampus. I don't see any reviews on Goodreads https://www.goodreads.com/book/show/48273382...
by Jackson12
Sat Nov 02, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: EverSafe and cognitive decline study
Replies: 13
Views: 1634

Re: EverSafe and cognitive decline study

On a related note and for what it worth, , you might consider looking at this site https://www.aptwebstudy.org/welcome It’s a series of free tests, some considered challenging for most individuals ( whether or not they have cognitive decline) . You’ll get regular and individualized results over time...
by Jackson12
Mon Sep 30, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 46
Views: 4436

Re: Mouse in the house

A pest control guy advised us to low tech methods for keeping mice away once they’re under control. ...or at least actions which would strongly encourage them to live elsewhere. He says they'll move into a home where there are easy pickings over ones where they have to search hard for food. So our c...
by Jackson12
Tue Sep 17, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Facing very short gap without health insurance, options
Replies: 26
Views: 1315

Re: Facing very short gap without health insurance, options

I hope I’m missing some easy solution .A relative accepted a good job with significantly higher pay than her current job and with a company where she previously worked and with good job stability. She’ll be working with people she’s worked with before and trusts. . A job opportunity opened up with ...
by Jackson12
Tue Sep 17, 2019 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Facing very short gap without health insurance, options
Replies: 26
Views: 1315

Re: Facing very short gap without health insurance, options

Go on vacation. She can buy health insurance from Geoblue when vacationing outside of the country even if she does not have insurance her, and it is not expensive. She’s moving cross country. With her possessions and a dog, The 5 days encompasses that and is a complexity I didn’t even remember...wh...
by Jackson12
Tue Sep 17, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Facing very short gap without health insurance, options
Replies: 26
Views: 1315

Re: Facing very short gap without health insurance, options

Not to be too snarky, but why didn't she wait 5 more days before giving notice? Even if she waited 5 more days, she’d be required to stay in her job for a set period before starting the new one, mainly to train a replacement and finish up a project and she can’t get full benefits unless she’s worki...
by Jackson12
Tue Sep 17, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Facing very short gap without health insurance, options
Replies: 26
Views: 1315

Re: Facing very short gap without health insurance, options

I hope I’m missing some easy solution .A relative accepted a good job with significantly higher pay than her current job and with a company where she previously worked and with good job stability. She’ll be working with people she’s worked with before and trusts. . A job opportunity opened up with ...
by Jackson12
Tue Sep 17, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Facing very short gap without health insurance, options
Replies: 26
Views: 1315

Facing very short gap without health insurance, options

I hope I’m missing some easy solution .A relative accepted a good job with significantly higher pay than her current job and with a company where she previously worked and with good job stability. She’ll be working with people she’s worked with before and trusts. . A job opportunity opened up with t...
by Jackson12
Sun Sep 08, 2019 3:54 am
Forum: Personal Investments
Topic: Locating a good, unbiased “financial advisor”
Replies: 15
Views: 1608

Re: Locating a good, unbiased “financial advisor”

Take a look at Allan Roth. Hourly fee based advice. No management of the accounts. https://daretobedull.com +1 for Allan. Highly recommend him. If you conduct a search for his name in this board you’ll see him described as “ one of the good guys “ by prominent Bogleheads, one of which has a publish...
by Jackson12
Sat Aug 31, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard alert [Unclaimed property notice]
Replies: 101
Views: 15883

Re: Vanguard alert [Unclaimed property noti

I registered just so I could post my experience with this. The thread is dated, but hopefully this will be helpful to some. Wow, scary info! Thanks for posting. I'm a buy and hold investor so I just leave things alone for long periods of time. I'm going to set a calendar event to log in every 6 mos...
by Jackson12
Sat Aug 31, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard alert [Unclaimed property notice]
Replies: 101
Views: 15883

Re: Vanguard alert [Unclaimed property notice]

Update. I called Vanguard this morning and they had to research what triggered the alert and call me back--which they did. Here's the story. As I mentioned in a previous post in this thread, I have multiple accounts that show up under my login. I have limited agent authorization on one of these acc...
by Jackson12
Thu Aug 29, 2019 7:18 pm
Forum: Personal Investments
Topic: Safe withdrawal rate for this portfolio?
Replies: 22
Views: 1574

Re: Safe withdrawal rate for this portfolio?

Historically, 40% equity exposure would have been a little light for '4% rule'-type withdrawals over 30 years. According to FIRECalc, there would have been eight historic periods where such a portfolio would have been exhausted between years 26-30 (all of which had starting dates before 1970, FWIW)...
by Jackson12
Thu Aug 29, 2019 4:54 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 355
Views: 44317

Re: How Bad was 2008, really?

Someone will surely link the thread of fear from back then. Where is that thread? I don’t fear an imminent situation like 2008 but have followed the advice to not risk more in equities than we could afford to lose. I’d like to share the link with someone who asked “ how bad it was” ,including for t...
by Jackson12
Wed Aug 28, 2019 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: What makes your dream house so special?
Replies: 41
Views: 3297

Re: What makes your dream house so special?

Many bogleheads have mentioned that they live in their dream house, some even cut down on travel because the house is so perfect. So what makes your house so special to you? Is it Size? Yard? Decoration? View? Neighborhood? We love the house, did from the first. Wooded view. No neighbors’ windows o...
by Jackson12
Wed Aug 28, 2019 7:27 pm
Forum: Personal Investments
Topic: Safe withdrawal rate for this portfolio?
Replies: 22
Views: 1574

Re: Safe withdrawal rate for this portfolio?

Homestretch has shown that your math is a little off. Unless I have completely misunderstood, three years from now at the most, as you begin Social Security, your withdrawals will be down to about $80,000/year (rough round numbers) and your withdrawal rate will fall from a hypothetical 4% to 2/3 th...
by Jackson12
Wed Aug 28, 2019 6:38 pm
Forum: Personal Investments
Topic: Safe withdrawal rate for this portfolio?
Replies: 22
Views: 1574

Re: Safe withdrawal rate for this portfolio?

Homestretch has shown that your math is a little off. Unless I have completely misunderstood, three years from now at the most, as you begin Social Security, your withdrawals will be down to about $80,000/year (rough round numbers) and your withdrawal rate will fall from a hypothetical 4% to 2/3 th...
by Jackson12
Wed Aug 28, 2019 6:35 pm
Forum: Personal Investments
Topic: Safe withdrawal rate for this portfolio?
Replies: 22
Views: 1574

Re: Safe withdrawal rate for this portfolio?

Your portfolio draw would be higher in a surviving-spouse scenario so you may want to run those numbers. If it turns out your child will need support indefinitely, consider seeing an estate attorney to discuss whether leaving assets in trust for child’s support makes sense. Thank you. We met with a...
by Jackson12
Wed Aug 28, 2019 6:23 pm
Forum: Personal Investments
Topic: Safe withdrawal rate for this portfolio?
Replies: 22
Views: 1574

Re: Safe withdrawal rate for this portfolio?

All the advice you received already is excellent and should help you to understand your options better. I also recommend this safe withdrawal rate Google Sheet from Earlyretirementnow.com: https://docs.google.com/spreadsheets/d/1QGrMm6XSGWBVLI8I_DOAeJV5whoCnSdmaR8toQB2Jz8/edit#gid=0 Just save your ...
by Jackson12
Wed Aug 28, 2019 6:11 pm
Forum: Personal Investments
Topic: Safe withdrawal rate for this portfolio?
Replies: 22
Views: 1574

Re: Safe withdrawal rate for this portfolio?

Ages, 66 and 67 Older spouse is 67. Portfolio: $3 million. Primarily bond and index funds. Expenses : $10k a month Total of Vanguard withdrawals and take home pay: $10,400. We are trying to defer social security to age 70 . If we did we’d get $39,500 a year in SS benefits. If we filed at age 67, we...
by Jackson12
Wed Aug 28, 2019 4:18 pm
Forum: Personal Investments
Topic: Safe withdrawal rate for this portfolio?
Replies: 22
Views: 1574

Safe withdrawal rate for this portfolio?

Ages, 66 and 67 Older spouse is 67. Details: Portfolio: $3 million. Primarily bond and index funds. Expenses : $10k a month We hope this is temporary A significant portion currently goes to a disabled adult child while waiting for SSDI to kick in. It’s been a complicated and drawn out process...whic...
by Jackson12
Fri Aug 23, 2019 7:30 pm
Forum: Personal Investments
Topic: Mom-in-law divorced at 67, investment plan advice
Replies: 26
Views: 3209

Re: Mom-in-law divorced at 67, investment plan advice

How much are you willing to spend to help support your mother? The following take is not meant to be judgmental but a reality check: Based on what you’ve noted about her spending habits, your mother doesn’t seem likely to sustain a safe withdrawal rate from her portfolio. Is that true? We had a rela...
by Jackson12
Sat Aug 17, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care Decision
Replies: 330
Views: 16473

Re: Long-Term Care Decision

https://www.thinkadvisor.com/2019/08/15/5-markopolos-ge-long-term-care-insurance-report-highlights-for-agents/?slreturn=20190716134615 This is disturbing news. On the same page this info appears: : “ . Markopolos himself says he has a strong financial incentive to be hard on GE .This doesn’t mean t...
by Jackson12
Fri Aug 16, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: question about Anthem announcement: not paying for outpatient MRI and CT
Replies: 14
Views: 2024

Re: question about Anthem announcement: not paying for outpatient MRI and CT

Cant the doctor just write the script for the type of scan and equipment needed? He can write the script but insurance won’t cover it unless it’s at a lower cost facility. They’ll usually. inform patients that coverage is limited. I may not have been clear about that. . If lower cost options exist,...
by Jackson12
Thu Aug 15, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: question about Anthem announcement: not paying for outpatient MRI and CT
Replies: 14
Views: 2024

question about Anthem announcement: not paying for outpatient MRI and CT

I know that Anthem announced, back in 2018, that their general policy would be to deny payment for outpatient MRI and CT scans performed at hospitals... if patients could save money by going to a freestanding imaging facility. Now my cousin’s doctor informed him that the radiology services used and ...
by Jackson12
Wed Aug 14, 2019 8:24 pm
Forum: Personal Investments
Topic: Laid off - 59yo - advice please
Replies: 44
Views: 7088

Re: Laid off - 59yo - advice please

Do you own a house or do you rent? I see you’re resistant to the idea of a renter but think your suggestion to revisit this is a wise one You can screen tenants and if a renter has a job , you might see each other only sparingly. There are also online jobs, working from home...age can be less of a f...
by Jackson12
Mon Aug 12, 2019 8:40 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17357

Re: What is happening with Vanguard site?

I finally got through to Vanguard. I was referred to this and told it caused a “ back end issue” at Vanguard but would be straightened out soon. I’m not sure how the following info resulted in such a large error with Vanguard but this is what happened with NASDAQ today and I was told it was related ...
by Jackson12
Mon Aug 12, 2019 8:33 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17357

Re: What is happening with Vanguard site?

whodidntante wrote:
Mon Aug 12, 2019 8:29 pm
Other people have posted that their money at Vanguard disappeared. Now we know where it went.
Is this a glitch anyone has seen before? I’m not worried, just baffled. And curious if others are seeing similar or other glitches today. I can’t see any news about it in online searches.
by Jackson12
Mon Aug 12, 2019 8:26 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17357

What is happening with Vanguard site?

[merged into existing thread - moderator prudent] Update : moderator merged my new thread with a pre- existing one, which is appreciated because I couldn’t find the previous thread. My thread originally read : “ I can’t find a thread on this glitch. Surely someone here has noticed or posted. Any li...
by Jackson12
Wed Aug 07, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 15874

Re: Why won’t anyone hire me?

I’m 48, female, was a stay at home parent for the past 7 years, but I’m ready to go back in the workforce so I can help contribute to bills and retirement account. I don’t have a college degree but I do have some secretarial experience prior to when my son was born. I have literally applied on Inde...
by Jackson12
Wed Aug 07, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Selling home and effect on Medicare premiums and taxes
Replies: 4
Views: 497

Re: Selling home and effect on Medicare premiums and taxes

Note: A married couple has a $500K exclusion from real estate capital gains if they have lived in the home for two out of the last five years. Also, certain maintenance and improvements increase your cost basis. You can have a pretty substantial increase in purchase to sale price and have little to...
by Jackson12
Wed Aug 07, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Selling home and effect on Medicare premiums and taxes
Replies: 4
Views: 497

Re: Selling home and effect on Medicare premiums and taxes

There’s not much you can do about it as selling your home is usually a one time payment, unless you want to carry the mortgage. The good news is that if the cap gains are enough to cause you to pay the IRMAA fee, it only lasts for one year. When you look at how much an ACA health insurance costs, i...
by Jackson12
Tue Aug 06, 2019 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home and effect on Medicare premiums and taxes
Replies: 4
Views: 497

Selling home and effect on Medicare premiums and taxes

We want to sell our home and downsize, especially since home sales are brisk in our area...which hasn’t always been the case. We’re rethinking things, though, after a relative gave us a heads up. He sold a home shortly before signing up for social security and Medicare. He said taxation of Social Se...
by Jackson12
Tue Aug 06, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Oh geeze. How should I pay for this? Walk me off the ledge
Replies: 52
Views: 6554

Re: Oh geeze. How should I pay for this? Walk me off the ledge

I've heard some folks talk about Carecredit. I think they are interest free for a period of time depending on the amount borrowed. I have zero experience with them. https://www.carecredit.com/ Healthcare oriented. Care Credit works fine...with one caveat. . We’ve used it and it gave us some breathi...
by Jackson12
Mon Jul 29, 2019 4:29 pm
Forum: Personal Investments
Topic: Advice on taking a draw from Vanguard accounts
Replies: 8
Views: 1067

Re: Advice on taking a draw from Vanguard accounts

I personally have dividends (but not capital gain distributions) from some of my Vanguard taxable account mutual funds direct deposited into my Credit Union. I have the old mutual fund platform so establishing direct deposit on the new platform using the web interface may be different As someone el...
by Jackson12
Mon Jul 29, 2019 12:30 pm
Forum: Personal Investments
Topic: Advice on taking a draw from Vanguard accounts
Replies: 8
Views: 1067

Re: Advice on taking a draw from Vanguard accounts

A draw would give us some extra breathing room for delaying social security until age 70. This can be a great strategy! But don't automatically assume that the best option is for both of you to wait until 70. You might see what Mike Piper's https://opensocialsecurity.com/ says about optimal claimin...
by Jackson12
Mon Jul 29, 2019 11:42 am
Forum: Personal Investments
Topic: Advice on taking a draw from Vanguard accounts
Replies: 8
Views: 1067

Re: Advice on taking a draw from Vanguard accounts

Thanks everyone. I will definitely take taxes into account. We've had an aversion to touching any of the portfolio before retirement - and we haven’t. So I’m glad consensus so far is that this one exception shouldn’t rock the retirement boat.
by Jackson12
Sun Jul 28, 2019 8:58 pm
Forum: Personal Investments
Topic: Advice on taking a draw from Vanguard accounts
Replies: 8
Views: 1067

Advice on taking a draw from Vanguard accounts

We Have 2 Vanguard accounts, both allocated to retirement, and we haven’t touched them but simply contributed to then and let them grow . We’re 2 years away from retirement. One account is invested more aggressively . It had a 6.5% return this year. The other account had a 6.3% return. Both accounts...
by Jackson12
Sun Jul 28, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care Decision
Replies: 330
Views: 16473

Re: Long-Term Care Decision

My wife and I are looking to purchase Long-Term Care insurance and would appreciate your thoughts on whether you think this policy is a good choice. At this point, we don’t think that we have enough to self-insure. Thanks for any advice. Here are some details: Shared Benefits. $360,000 Policy Maxim...
by Jackson12
Fri Jul 26, 2019 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 149
Views: 14325

Re: Equifax settlement: how to file claim?

Freezing my credit, etc...meant that not only were potential thieves unable to access the info but I was unable to access the MySocial Security account held in my name at the Social Security website. The site uses the info in my credit report, including info from Equifax, to identify me. As a result...
by Jackson12
Tue Jul 16, 2019 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home; Very HCOL Area
Replies: 40
Views: 4096

Re: Buying a home; Very HCOL Area

HCOL Area, property taxes well north of 10K annually (for not much property) - Is there ever a break-even point where home ownership in these kinds of areas are actually "worth it" financially? Perspective: In my area, you are spending 400K for a "fixer upper". For half a million, you're buying som...
by Jackson12
Tue Jul 16, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Our situation : any compelling reason to defer Social Security to age 70?
Replies: 10
Views: 1746

Re: Our situation : any compelling reason to defer Social Security to age 70?

(apart from Total Benefit) ... Who knows how long you will live? For those without pension or annuity, waiting to age 70 to draw SSI can be a cash flow benefit. Especially if you have a bundle of investments in qualified accts that need to be spent down by age 70 to reduce RMDs. So.. there are seve...
by Jackson12
Tue Jul 16, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Our situation : any compelling reason to defer Social Security to age 70?
Replies: 10
Views: 1746

Re: Our situation : any compelling reason to defer Social Security to age 70?

have you run Mike's excellent calculator, Advanced tab? https://opensocialsecurity.com Yes. There is not a significant difference in lifetime benefits if we file at age 66 for all social security benefits we’re eligible for ( retirement, spousal, etc) ..compared to my spouse deferring his retiremen...
by Jackson12
Tue Jul 16, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Our situation : any compelling reason to defer Social Security to age 70?
Replies: 10
Views: 1746

Our situation : any compelling reason to defer Social Security to age 70?

Here’s our situation : I was born in 1953, spouse in 1952. Because we were both born before January 2 1954 we’re eligible to file under Social Security’s restricted application rules , A detailed discussion of that option can be found in this thread. I was the original poster. https://www.bogleheads...
by Jackson12
Sat Jul 06, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1682

Re: Sofa or couch ( an6 difference) for new homeowners

With 2 kids, we had “disposable” in mind as well for our couches. We got a nice set from Basset furniture that fit our eye without breaking the bank. Would recommend a couch that allowed you to flip both backrest and seat cushions. When our kids were small we purchased a sectional from Value City, ...
by Jackson12
Sat Jul 06, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1682

Re: Sofa or couch ( an6 difference) for new homeowners

Katietsu wrote:
Sat Jul 06, 2019 4:45 pm
If MidWest is IN, IL , WI, MI check this out: https://www.mybobs.com/furniture/living ... as/c/sofas
That’s the general vicinity.
by Jackson12
Sat Jul 06, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1682

Re: Sofa or couch ( an6 difference) for new homeowners

If you are just looking for a standard three seater couch, no sectional and no reclining bits, there is a huge selection of these for less than $500 at all but the “fancy” furniture stores in my area. I was surprised when I went looking. I have contemplated using Wayfair and have had friends who we...
by Jackson12
Sat Jul 06, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1682

Re: Sofa or couch ( an6 difference) for new homeowners

If you are just looking for a standard three seater couch, no sectional and no reclining bits, there is a huge selection of these for less than $500 at all but the “fancy” furniture stores in my area. I was surprised when I went looking. I have contemplated using Wayfair and have had friends who we...
by Jackson12
Sat Jul 06, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1682

Sofa or couch ( an6 difference) for new homeowners

Our son and spouse just purchased their first home and plan to there for years . Their jobs are fairly stable...in their fields. They paid for the home without help and we don’t help them financially. But both took a pay cut to get jobs they love, ones with good promotion possibilities ( unlike thei...
by Jackson12
Thu Jul 04, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 41
Views: 6432

Re: Purchasing Major Appliances from Costco

We purchased a double wall oven. We had an excellent experience bit primarily because we researched what we needed to do to ensure there would be a smooth installation. Whatever you do, do not assume the appliance specs for height, width and depth are accurate Ours were not. Here’s what we did: 1. W...