Search found 1017 matches

by Jackson12
Sat Apr 11, 2020 4:37 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 75829

Re: Bogleheads community discussion - Coronavirus

I wear an N95 mask around high risk patients and a surgical mask with general unknown patients. If there is a potential for high risk I wear an N95. Most of the time I wear a surgical mask though. All procedures I wear an N95. Just so I understand. You wear no glasses and just street clothes. Is th...
by Jackson12
Sun Apr 05, 2020 3:05 pm
Forum: Personal Investments
Topic: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
Replies: 112
Views: 11293

Re: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently

1 Rebalanced 2 Run the numbers on our budget since we no longer eat out, drive ( including driving to and from work ) shop for new clothes, get our hair cut etc, Some expenses have gone up since we now have our groceries delivered, But on the whole, we have more savings We always evaluated our budge...
by Jackson12
Tue Mar 10, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138560

Re: Coronavirus; How has your Life changed?

Serious question, other than my savings balance, the only changes I've seen are fear, worry, and every store being sold out of hand sanitizer and face masks! Myself, and everyone I know continue with the regular scheduled routine. I'd really like to hear from anyone or anyone that knows anyone affe...
by Jackson12
Sat Mar 07, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Coronavirus (COV-19) and money - risks?
Replies: 18
Views: 1722

Re: Coronavirus (COV-19) and money - risks?

Enough is enough. Do you realize how crazy this is getting? Well said---true! No, I don’t. The CDC recommends “I Clean and disinfect frequently touched objects and surfaces using a regular household cleaning spray or wipe “. For some, “frequently touched objects” could include money, depending on h...
by Jackson12
Sat Mar 07, 2020 6:57 am
Forum: Personal Consumer Issues
Topic: Coronavirus (COV-19) and money - risks?
Replies: 18
Views: 1722

Coronavirus (COV-19) and money - risks?

Would appreciate input. This linked article ( below :from the Journal of Hospital Infection caught my eye, So did this https://www.reuters.com/article/us-health-coronavirus-fed-dollars/fed-quarantines-us-dollars-repatriated-from-asia-on-coronavirus-caution-idUSKBN20T1YT . https://www.journalofhospit...
by Jackson12
Fri Mar 06, 2020 11:13 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138560

Re: Coronavirus (Consumer Issues) How you are preparing?

Oddly enough, food is the one category that I am not so concerned about stockpiling. If we are infected, neither of us will feel like cooking. In addition, neither of us eats a lot of the types of foods that can be stored indefinitely so as to ensure that they will not go to waste eventually if we ...
by Jackson12
Fri Mar 06, 2020 11:05 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138560

Re: Coronavirus (Consumer Issues) How you are preparing?

I am going to be cautious. I am definitely not going to be scare. Flu kills more people than the coronavirus. I have toilet paper, paper towel, Clorox and lysol wipes, water and other drinks handy in my house. This is not newly bought items but I usually have a surplus so I don't need to shop all t...
by Jackson12
Thu Mar 05, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138560

Re: Coronavirus (Consumer Issues) How you are preparing?

Never been a preppier before, bud admittedly refilling medications and toilet paper. Will probably buy some pantry staples too. I usually keep our cupboards fairly bare, and I’m less comfortable with that now. I feel comfortable with our level of prep. A couple of my neighbors were frantically sear...
by Jackson12
Mon Mar 02, 2020 6:13 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138560

Re: Coronavirus (Consumer Issues) How you are preparing?

Could I use triple ply as a face mask? Who cares if face masks are sold out! My doctor says face masks do help but only if worn by sick people. They don’t keep the virus from escaping the masks but do reduce the distance particles travel from a sneeze or cough If an individual stays 6 feet away fro...
by Jackson12
Mon Mar 02, 2020 6:03 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138560

Re: Coronavirus (Consumer Issues) How you are preparing?

Would be interested in knowing the general age and professions of those noting they are purchasing extra supplies. I’m been assuming ( but rethinking my assumptions) , that most are in their 50s and older. Younger individuals and their children hav3 less likely to get sick and have serious effects (...
by Jackson12
Fri Feb 28, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138560

Re: Coronavirus (Consumer Issues) How you are preparing?

Age: Mid- 60s. We’re at higher risk. One family member has an auto- immune condition and thus a compromised immune system. We are already prepared somewhat,because there have been times when he’s been urged to stay inside for up to 2 weeks ( when immunity was particularly low or when a “simple cold”...
by Jackson12
Wed Feb 26, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138560

Re: Coronavirus (Consumer Issues) How you are preparing?

I'm really not going crazy about this. On the one hand federal officials are sounding scary alarms, on the other hand 34 people in the US out of 300,000,000 are infected. Do you think that the number of new infections in the U.S. has already peaked? i don’t believe so. A Map of verified cases up in...
by Jackson12
Wed Feb 26, 2020 8:04 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138560

Re: Coronavirus (Consumer Issues) How you are preparing?

We have a number of threads on Coronavirus, but I want this one to specifically focus on consumer issues and how you are preparing. The way I see it, risk of infection is not the same as risk of quarantine; or to put things even more broadly, risk of weathering the effects of quarantine. I do not n...
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: 2038

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: 2328

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: 15
Views: 2374

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: 4879

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: 1445

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: 1445

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: 1445

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: 1445

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: 1445

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: 1715

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: 103
Views: 17537

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: 103
Views: 17537

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: 1628

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: 382
Views: 48902

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: 3459

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: 1628

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: 1628

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: 1628

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: 1628

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: 1628

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: 1628

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: 3272

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: 17834

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: 2114

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: 2114

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: 7329

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: 18696

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: 18696

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: 18696

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: 16447

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: 539

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: 539

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: 539

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: 6699

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: 1165

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: 1165

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: 1165

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.