Search found 187 matches

by KESP
Wed Jun 03, 2020 8:16 pm
Forum: Personal Investments
Topic: Switched to Vanguard and Just Want to Say Thanks!
Replies: 11
Views: 1042

Re: Switched to Vanguard and Just Want to Say Thanks!

Congratulations! You just saved yourself tons of money. I wish I had been as smart at 27.......
by KESP
Wed Jun 03, 2020 11:56 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 24087

Re: Are you still going to the grocery store or using a delivery service? Which?

I use Instacart and they shop at Big Y. I now get my groceries within an hour or 2 of when I order. I always tip generously because I do appreciate having this option. My husband has numerous conditions that would make it really bad if he got it, so I am very careful as well. I can authorize substit...
by KESP
Tue Apr 21, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6159

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

My first car in 1982 was a Corolla. I've owned 3 more since then when money was an issue, then 3 Camrys. The Camry is a much better ride and I would definitely go with that. I have never owned a Prius.
by KESP
Wed Apr 15, 2020 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Father's Lawsuit Settlement
Replies: 21
Views: 1897

Re: Father's Lawsuit Settlement

I don’t know what state you are in, and Worker’s Compensation laws very greatly state by state. Years ago I used to handle cases in Connecticut. In your fathers current situation, we would have to pay him the $295 a week, plus all the medical expenses related to the injury. Assuming that he is in a ...
by KESP
Sat Mar 28, 2020 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 12687

Re: How are you going to use your stimulus money?

I plan on hiring my laid off nephews to do work around my house, like painting the deck and raking the yard. Both are in the restaurant business.
by KESP
Wed Mar 18, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: Anybody else hoping for stocks to plummet?
Replies: 20
Views: 1121

Re: Anybody else hoping for stocks to plummet?

Not really. I planned on retiring July 2021. I realize a lot can happen in a year, but I’m rethinking that now. Obviously, not just because I’m watching my low cost well-diversified accounts plummet, but I’m feeling uneasy about the economy as a whole. The good news is I’m staying the course and am ...
by KESP
Sun Mar 01, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Which Treadmill Should I Buy? UPDATE: Thanks Everyone!!
Replies: 22
Views: 1564

Re: Which Treadmill Should I Buy? What do you have? Which one's break down? Thoughts? Help?

I've had the same Sole F80 since 2008 and it has been solid. Yes, I use it several times a week. I second paying to have it set up, they are heavy!!!
by KESP
Sun Mar 01, 2020 8:41 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190973

Re: Bogleheads community discussion - Coronavirus

I can't help but feel that we just don't know enough to have a rational discussion on this topic. I was thinking of maybe having a little more food on hand than usual in case I self-quarantine, but that's about it. I'm in my 60's, and have had the flu (despite having the flu shot) and pneumonia alre...
by KESP
Sun Feb 09, 2020 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Wife's oncologist has stopped treatment, is recommending hospice
Replies: 93
Views: 14799

Re: Wife's oncologist has stopped treatment, is recommending hospice

From the OP I should have mentioned that hospice care as suggested to us was going to be based in our home. The hospice agency would bring in any equipment like hospital bed, walker, commode, etc. Care at home is appealing because my wife found her recent, and the only, hospitalization to be very h...
by KESP
Wed Jan 29, 2020 12:42 pm
Forum: Personal Investments
Topic: AXA Advisor - VUL and Term Insurance
Replies: 36
Views: 1428

Re: AXA Advisor - VUL and Term Insurance

Those of us in school systems have had to suffer for years with AXA. Their products are high-priced and I feel like no matter what they are selling, you are getting screwed. At least around here, they are just salesmen, that’s it.
by KESP
Wed Jan 22, 2020 8:14 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26582

Re: Sad news: LadyGeek's husband has passed

So sorry for your loss. Being the caregiver is more difficult than most people could ever imagine. I’m sure you must still be exhausted. Thank you for sharing all the steps you took during this difficult time.
by KESP
Sat Jan 18, 2020 11:04 pm
Forum: Investing - Theory, News & General
Topic: Not Experiencing Any Problems With Vanguard
Replies: 90
Views: 7153

Re: Not Experiencing Any Problems With Vanguard

Had a small pension rollover check that I mailed on Monday to Vanguard. It was deposited on Wednesday, used it to buy Total Bond market Friday. Just been with them since 2016, but so far no complaints at all.
by KESP
Sun Jan 05, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Insurance in Central Europe (Prague to Dubrovnik)
Replies: 19
Views: 746

Re: Rental Car Insurance in Central Europe (Prague to Dubrovnik)

I know this is very unBoglehead-like, but I always get insurance through the car company when I’m on vacation. The last thing I want to do, especially in Europe, is to start fighting over whether damage was pre-existing or not. It just isn’t worth it to me,I don’t travel a lot, and when I do I want ...
by KESP
Sun Dec 29, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Term insurance beneficiary when going through divorce?
Replies: 21
Views: 1491

Re: Term insurance beneficiary when going through divorce?

If it’s a term life, I find it very hard to believe you could be made to keep it and make her the beneficiary. You can’t in most cases name anyone but your spouse as a beneficiary without having them sign off on it. It would have to be notarized. I would wait until it was final, and then change it ...
by KESP
Sat Dec 28, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Term insurance beneficiary when going through divorce?
Replies: 21
Views: 1491

Re: Term insurance beneficiary when going through divorce?

If it’s a term life, I find it very hard to believe you could be made to keep it and make her the beneficiary. You can’t in most cases name anyone but your spouse as a beneficiary without having them sign off on it. It would have to be notarized. I would wait until it was final, and then change it t...
by KESP
Wed Dec 25, 2019 12:02 pm
Forum: US Chapters
Topic: My Christmas Present to You
Replies: 106
Views: 13738

Re: My Christmas Present to You

Merry Christmas Taylor!!
by KESP
Wed Dec 25, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: Disentangle from a "fixed indexed annuity" (equity indexed annuity)?
Replies: 18
Views: 1039

Re: Disentangle from a "fixed indexed annuity" (equity indexed annuity)?

Is there any place that explains this product in the simplest of terms, if that’s even possible? It’s a product in a 403b plan that our union supports and I’d love to help people understand why they need to not touch it with a 10 foot pole.
by KESP
Mon Dec 23, 2019 12:36 pm
Forum: Investing - Theory, News & General
Topic: Who else will wait until the dust settles on Tax law changes?
Replies: 26
Views: 3639

Re: Who else will wait until the dust settles on Tax law changes?

I will admit to an overreaction yesterday, my Irish temper got the best of me. It just proves there are so many variables that who the heck knows sometimes what’s the right thing to do. So I like the plan of action to do nothing for right now, in my case anyway it’s really not needed.
by KESP
Sun Dec 22, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: How to Protect Your Most Important Asset
Replies: 45
Views: 6699

Re: How to Protect Your Most Important Asset

Buy the book by Dr. Michael Greger, How Not to Die. We are very much what we put into our bodies. I second meditation and regular exercise as well.
by KESP
Sun Dec 22, 2019 9:25 am
Forum: Investing - Theory, News & General
Topic: Tax Law Changes for 2020
Replies: 355
Views: 28024

Re: Tax Law Changes for 2020

So, it seems any IRA beneficiary will have to drain the funds by the end of 10 years? Frankly, that seems like a pretty generous length of time to me. The kids will have taxes to pay at some point? Wow, that really seems draconian. Not. I think it was long over due, but that is just me. I'm all for...
by KESP
Sun Dec 22, 2019 9:13 am
Forum: Investing - Theory, News & General
Topic: Tax Law Changes for 2020
Replies: 355
Views: 28024

Re: Tax Law Changes for 2020

Couple of observation. 1) For all the people complaining about the rules changing in the middle of the, I wonder if they expressed similar outrage when the changes were beneficial to them. IRAs and 401Ks did not always exist, think how unfair it is that you got to use them in the middle of the game...
by KESP
Sat Dec 21, 2019 8:46 am
Forum: Investing - Theory, News & General
Topic: Tax Law Changes for 2020
Replies: 355
Views: 28024

Re: Tax Law Changes for 2020

As a middle class person who saved via 401ks and 403bs, I have to point out that yes, I’m aware they are for retirement. The problem is, things like chronic diseases pop up and I don’t have a crystal ball to see when my husband or myself will either die or need long term care. Therefore, I’m not goi...
by KESP
Fri Nov 29, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: New job opportunity, tough decision
Replies: 54
Views: 4169

Re: New job opportunity, tough decision

Nearing retirement here, and some of the most stressful times in my marriage were when the kids were young, and both of us were 30 minutes from home, and I would get a call from daycare/school saying one of them was sick and had to be picked up. Or there was a snow day/early closing/school vacation....
by KESP
Thu Nov 28, 2019 4:51 pm
Forum: Forum Issues and Administration
Topic: Giving thanks to our moderators
Replies: 92
Views: 5129

Re: Giving thanks to our moderators

:beer Thank you moderators. I don’t know any other site that doesn’t disintegrate into all kinds of unpleasant stuff. Thank you!
by KESP
Sat Nov 23, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Help: Husband's Surprise Debts
Replies: 183
Views: 19684

Re: Help: Husband's Surprise Debts

I disagree with the comment she doesn’t need an attorney. I would get one to advise me how to position myself to not lose more money. I know people who were married to a person who rang up debt without their knowledge and since they filed income taxes together etc. it was the person who had a job wh...
by KESP
Sun Nov 10, 2019 11:32 am
Forum: US Chapters
Topic: U. S. Marine Corps Birthday
Replies: 22
Views: 1942

Re: U. S. Marine Corps Birthday

My father was a Marine and served in Korea. My mother’s birthday was November 10th; he never forgot it.
by KESP
Sat Sep 28, 2019 2:46 pm
Forum: Personal Investments
Topic: 403(b) choices
Replies: 5
Views: 381

Re: 403(b) choices

We have Aspire and it’s .15% and $40 fee. We have access to hundreds of funds, Vanguard, Fidelity, Schwab. If you have access to NEA DirectInvest under Security Benefit that’s good too. From the website it looks like $35/year if balance is under $50,000. Once that is reached there is no fee. Looks l...
by KESP
Mon Sep 09, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 5368

Re: Help me out - What am I doing wrong - Job Hunt related

Who are you using for references? I’m assuming if you got to a couple of round 2 interviews they are checking references. Perhaps someone is not giving you a glowing review.
by KESP
Mon Sep 09, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Annuity contract sold to 83 year old with 15 year surrender fee schedule
Replies: 11
Views: 1510

Re: Annuity contract sold to 83 year old with 15 year surrender fee schedule

Not an annuity expert by any stretch, but can you get your hands on the actual policy to confirm there is no way out of the surrender fee. Isn't there just the death benefit that's due? He's not giving up the annuity, he died. The whole thing sounds criminal. In my state, there is an insurance commi...
by KESP
Mon Sep 02, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling confused/stressed: adapt to house or move?
Replies: 31
Views: 2836

Re: Feeling confused/stressed: adapt to house or move?

Back in the day (yes I’m old) siblings commonly shared a bedroom, a small one at that, and survived. I would not move. We have lived in a 1400 square foot, 3 bedroom home with inadequate storage, no garage and 3 children. It was a blink of an eye and the kids were out of the house and we are very ha...
by KESP
Wed Aug 28, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Friend has cancer. What should be the next steps?
Replies: 65
Views: 5385

Re: Friend has cancer. What should be the next steps?

Really tough, I’m so sorry. Would his company really fire a terminally ill person?! I worked in private industry years ago and had a couple people diagnosed with dire illnesses. They were not fired although they did eventually pass from these illnesses. I work in a school now and there was a teacher...
by KESP
Sun Aug 25, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Sudden Death: Sorting Estate in sorrow
Replies: 17
Views: 6610

Re: Sudden Death: Sorting Estate in sorrow

As several people have already stated, if he named beneficiaries in his taxable account and tax-deferred accounts, the money will go to whoever is named. This is somewhat like a case when there is a divorce and the ex-husband or ex-wife was never removed as the beneficiary of life insurance or 401(k...
by KESP
Wed Aug 14, 2019 8:38 pm
Forum: Personal Investments
Topic: Really Bad 403(b) Options
Replies: 25
Views: 1505

Re: Really Bad 403(b) Options

I just looked up the Hooker and Holcombe company and there actually was information on the Internet. If this is the same one, yikes. Very high expense ratios. https://hhconsultants.com/documents/Cas ... Lineup.pdf
by KESP
Wed Aug 14, 2019 8:28 pm
Forum: Personal Investments
Topic: Really Bad 403(b) Options
Replies: 25
Views: 1505

Re: Really Bad 403(b) Options

Don’t bother trying to research your options on the Internet. 403bs are a different animal usually. The question to ask is do you offer any other option but annuities? If you hear that word, you are likely looking at 2% plus in fees, plus you can’t put your money elsewhere for a number of years beca...
by KESP
Mon Aug 05, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to help parent through health/financial crisis
Replies: 25
Views: 2466

Re: How to help parent through health/financial crisis

I assume she is getting therapy to improve the effects of the stroke? I’ve seen people make amazing progress. If she can’t then yes the social security disability route and whatever else is offered. It sounds cold, but I wouldn’t offer to have her live with you yet. It would undoubtedly put a big st...
by KESP
Thu Aug 01, 2019 6:34 pm
Forum: Investing - Theory, News & General
Topic: "Five Portfolio Lessons From Target Date Funds"
Replies: 10
Views: 1590

Re: "Five Portfolio Lessons From Target Date Funds"

I encouraged my children to use a target date fund for their work 403b/401K and Roth. I think this will keep them from tinkering around at a later date and messing up like I did. They also are not interested in doing much reading about investing so I believe this is an excellent choice for them.
by KESP
Sat Jul 20, 2019 8:15 pm
Forum: Personal Investments
Topic: Continue 403b or start roth ira
Replies: 65
Views: 2272

Re: Continue 403b or start roth ira

My guess is you have a variable annuity with MetLife and you are getting hosed in fees. If it is that, fees are hidden and will not show up on your statement. The MetLife rep at our school never did tell a friend of mine what the fees were, she got vague answers and promises to get back to her and n...
by KESP
Thu Jul 18, 2019 8:28 pm
Forum: Personal Investments
Topic: Teacher 403B Plans
Replies: 31
Views: 2800

Re: Teacher 403B Plans

I also strongly doubt you can set up your own 403b with whoever you want. It’s often quite a fight to get another vendor added to the list. Many teachers seem to be totally uninterested in investing, and would rather depend on the predatory “advisors” that gift us with free pads, donuts and pens on ...
by KESP
Mon Jul 15, 2019 5:08 pm
Forum: Personal Investments
Topic: Was going with AXA a bad move?
Replies: 38
Views: 3105

Re: Was going with AXA a bad move?

It is worth it to pay the surrender fee. If you are paying the M&E fee that I did, that was 1.34%. Add the expense ratios and I bet you are close to 2% in fees. Look at your prospectus for details, as your friend will likely not answer that question for you. Compare that to a Target date fund from V...
by KESP
Mon Jul 15, 2019 2:54 pm
Forum: Personal Investments
Topic: Was going with AXA a bad move?
Replies: 38
Views: 3105

Re: Was going with AXA a bad move?

Yes it was, and sad to say, your friend used you. Because it’s in an annuity, there is probably a mortality and expense fee, likely over 1%. Your “friend” is likely making a very nice commission off of you. The fees will not be spelled out anywhere. Explanation of fees are probably hidden in the pro...
by KESP
Mon Jun 24, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Wife considering returning to work
Replies: 40
Views: 5121

Re: Wife considering returning to work

I am posting to provide a contrary experience to many who have responded to you. I am the mom. We have a 17 month old son. I returned to work at 12 weeks. We had the option for me to stay home and opted not to take it. We didn’t really do it for financial reasons. It’s true I have a high earning po...
by KESP
Wed Jun 19, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 69
Views: 5335

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

I don’t think you paid too much. A few years ago, I decided to go to Walmart because the optometrist I went to seemed to order expensive tests and I felt ripped off. The doctor at Walmart diagnosed me with glaucoma and was set to start me on a lifetime of meds. Also got progressives that I knew righ...
by KESP
Sun May 26, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Deer hit car near kid's school...file claim back home?
Replies: 27
Views: 1811

Re: Deer hit car near kid's school...file claim back home?

I would file with insurance company immediately. Were the police called? If not, make sure lots of pictures to prove your case.
by KESP
Sat May 25, 2019 2:46 pm
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 120
Views: 14897

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

When my children started their first jobs, I recommended a target date fund for their 403b/401 account. They are not really interested in learning much about investing besides the basics. I am hoping it will keep them from fiddling like I did when the markets went up and down. They would not likely ...
by KESP
Wed Apr 24, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: What, if anything, do I owe this guy?
Replies: 82
Views: 9067

Re: What, if anything, do I owe this guy?

WWJBDo wrote:
Wed Apr 24, 2019 9:30 am
I’m a little late to the party, but I learned this phrase, which is pretty rock solid and hard for a sales guy to rebut:

“Circumstances have changed, and I’m not at liberty to explain why.”

State and repeat.
That's a better one! Say that.
by KESP
Wed Apr 24, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: What, if anything, do I owe this guy?
Replies: 82
Views: 9067

Re: What, if anything, do I owe this guy?

You can do this!!! It's uncomfortable for some of us to break up with someone, but you will feel great afterward. Just tell him you've decided to not have him handle your assets and to discuss it further is a waste of time because your mind is made up. Keep saying that until he shuts up.
by KESP
Wed Mar 27, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 326
Views: 50452

Re: Anyone disenchanted with retirement?

I have a slightly tangential question, somewhat dark. I’m late 30s, but on track for a pretty early retirement if I want it (maybe 42?). I recently came across the story of a colleague who past away very young from a sudden disease after doing everything right in life (given under a year to live :/...
by KESP
Thu Mar 07, 2019 10:23 am
Forum: Personal Investments
Topic: 403b choices
Replies: 9
Views: 603

Re: 403b choices

From what I've read on 403bwise.com, the NEA Direct invest people will not help you with anything. They would rather you pick the expensive option.
by KESP
Wed Feb 27, 2019 11:26 am
Forum: Personal Investments
Topic: 403b needs attention
Replies: 8
Views: 506

Re: 403b needs attention

I have an account through Aspire and I have access to low cost Vanguard funds. I don't understand why you have such a high expense ratio. Is this self-directed, or did you get an "advisor"? If so, can you drop them? I did not need the minimum to pick admiral shares of Vanguard Funds to build my 3 fu...