Search found 150 matches

by Kompass
Thu Oct 17, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Legacy/Inheritance
Replies: 61
Views: 6598

Re: Legacy/Inheritance

adam1712 wrote:
Thu Oct 17, 2019 5:38 pm
I think many children of rich parents that get a shock inheritance feel some anger and guilt that their parents didn't seem to enjoy it, didn't value time with their children, and that it feels is undeserved.
+1
by Kompass
Thu Jun 20, 2019 8:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 85
Views: 10142

Re: Vanguard won't service the annuities in a year?

Thank you for posting this

I am POA on a Vanguard variable annuity for my mother, I am a bit surprised to have not received any notification. All of her correspondence runs through me and this is the first I have heard of it.
by Kompass
Tue Dec 25, 2018 11:36 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 411
Views: 60898

Re: What NON frugal thing did you do today?

Gave my mother’s primary caregiver a $1000 Christmas bonus for keeping mom pampered.

Not frugal, but worth every penny.
by Kompass
Thu Nov 08, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: iMac + iPad Pro
Replies: 29
Views: 2481

Re: iMac + iPad Pro

I've been in the midst of a tech refresh this last year and have ended up here: iMac 27" for home office, photo editing etc... iPad (older one) for travel and sofa reading, due to replace that this year iPhone just replaced 6 with Xs, huge improvement, but... iWatch got it last week as a small alert...
by Kompass
Thu Nov 08, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement
Replies: 145
Views: 21272

Re: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement

Many thanks!

I knew I was looking at something wrong. I was using those fields inappropriately and had everything skewed, now I feel much better and can live about ten years longer.

:sharebeer
by Kompass
Thu Nov 08, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement
Replies: 145
Views: 21272

Re: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement

Could we estimate lower expected future returns by simply increasing the "Investment Fees" field by the amount that expected returns will be lower going forward? Plugged in OP's numbers: https://i.imgur.com/880Vcsc.png Again but with 2% investment fees, adjusting for 2 percentage point decrease in ...
by Kompass
Sat Nov 03, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 60
Views: 4542

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

VictoriaF wrote:
Sat Nov 03, 2018 4:40 pm
patrick wrote:
Sat Nov 03, 2018 11:09 am
Nothing. There is more than enough news out there for free.
More is not always better, and in this case it is worse.

The problem is not to get news but to get credible news.

Victoria
+1
by Kompass
Sat Nov 03, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 60
Views: 4542

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

I subscribe to the Economist and use the library for things like Morningstar. I also watch PBSnewshour. I pay the rate for the Economist, I think about $200yr and donate an annual $1000 to my local PBS channel. I guess that's about what folks pay for cable, I use an arial for 4 channels of PBS inste...
by Kompass
Sat Nov 03, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 20093

Re: Vanguard website "unavailable during weekend of Nov 3"

Since I do not log into Vanguard very often, they did not notify me (by having me show up). Fortunately I seem to log in here at BH pretty much daily and found this thread a couple of days back. Printed my holdings last night. I guess the official notification channel for Van is "through the grapevi...
by Kompass
Tue Oct 30, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as a trustee
Replies: 33
Views: 3489

Re: Vanguard as a trustee

Doesn't Vanguard include accounting (e.g. the tax prep for the trust) in their fee? I recall reading that here... Yes Depends on your definition. Vanguard trusts use TrustPal software licensed from an outside vendor, they produce a year end ledger for accountants to work with. Vanguard requires you...
by Kompass
Sat Oct 27, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as a trustee
Replies: 33
Views: 3489

Re: Vanguard as a trustee

Yes. I have an irrevocable trust with Vanguard as the sole trustee.
by Kompass
Thu Oct 25, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Has anyone had success getting reimbursed for repairs later covered under a Recall?
Replies: 7
Views: 755

Re: Has anyone had success getting reimbursed for repairs later covered under a Recall?

Call the service manager of your local dealership and ask. If they say no it will very likely be more than 45min or $75 worth of your time. Had you paid the $2000 for the full TSB done at a dealership it would probably be worth pursuing. No manufacturer will reimburse for DIY labor.
by Kompass
Wed Oct 24, 2018 9:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123576

Re: U.S. stocks in freefall

I'm waiting for my 20% off coupon. 8-)
by Kompass
Fri Oct 19, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 11802

Re: Should we move to San Diego from east coast?

But for example how much would a place like this cost in San Diego - https://www.realtor.com/realestateandhomes-detail/4256-Terrace-St_Philadelphia_PA_19128_M32048-83356?view=qv Probably a 300-400% difference? 300-400% difference? where are you people from, fairy magic land?? no offense but it is c...
by Kompass
Thu Oct 11, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123576

Re: U.S. stocks in freefall

I guess this last 10 days or so of procrastination worked out. I was hitting a 5% rebalance band and spent all week not getting around to it. Now I don't have to do it at all! :oops: Should be fun watching NBR tonight to see what explanations have been cooked up. This is where my big fluffy layer of...
by Kompass
Thu Oct 11, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7912

Re: My life saved by New subaru. Almost died.

Thank you for posting your experience. I bought the same car last Dec since I would be doing a lot of long distance driving at high speeds in winter weather commuting between states. I bought it for the whole bundle of safety features and they are all new to me as my old car was 15 years old. You as...
by Kompass
Sun Sep 30, 2018 3:59 pm
Forum: Personal Investments
Topic: Guaranteed Minimum Annuity ??
Replies: 7
Views: 771

Re: Guaranteed Minimum Annuity ??

I'm going to play devil's advocate for a moment here. My father died 3ish years ago and left my mother millions of dollars in a complex series of cascading trusts. They failed due to a bad corporate trustee. (long story, no need for it here.) No readily available funds for mom. In 1989 and 1991 my m...
by Kompass
Sat Sep 22, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages - Pros, Cons
Replies: 55
Views: 4233

Re: Reverse Mortgages - Pros, Cons

This link should answer most questions about fees involved in a reverse mortgage:https://www.reversemortgage.org/Your-Roadmap/4-Application-Fees-Disclosures In the two years I have had the unused line of credit, my out of pocket costs have been zero. One excellent strategy for someone with a lot of...
by Kompass
Sun Sep 16, 2018 3:29 pm
Forum: Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 13140

Re: How real is cyber risk?

evestor,

"One of these days I'll ask the forum moderators if I can submit a page about how to protect yourselves. We all should do it. It's relatively straight forward stuff."

I think this sounds like a great idea for a Wiki page, I hope you decide to do it. Thanks
by Kompass
Sat Sep 15, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 411
Views: 60898

Re: What is your luxury good?

It was, and will be again, location. I moved to the sensible, good location 4 years ago. I will go back where I belong hopefully next spring. Thanks to this couple of quite good market years and the taking of some of the profits off the table, this will be comfortable financially as well.
by Kompass
Sat Sep 15, 2018 3:42 pm
Forum: Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 13140

Re: How real is cyber risk?

I think cyber risk is a very real unknown and I practice what I believe to be good internet hygiene because of it. What frustrates me is when these measures fail due to reliance on those we are supposed to trust. By way of example, yesterday I went into a Verizon store to get a new cellular chip for...
by Kompass
Fri Aug 31, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Durable Power of Attorney: Implementation Report
Replies: 59
Views: 5133

Re: Durable Power of Attorney: Implementation Report

My parents set up their trust up to make my life easier as the eventual executor of their estate. That didn't go as planned, but I learn from mistakes and try to get better. Here are my lessons learned: #1 in my personal estate plan I am abandoning any thoughts of doing a trust. Every significant a...
by Kompass
Thu Aug 16, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 39
Views: 3006

Re: Travel delay: Can I *easily* get $60 back?

Well, this Boglehead has derived enormous enjoyment from reading your tales of adventure and antifragility.

While you may not recover your $60 outlay, you have produced $60 in value for others in both information and entertainment.

:beer
by Kompass
Thu Aug 09, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to LA - Tips Wanted
Replies: 26
Views: 2329

Re: Moving to LA - Tips Wanted

Also check out city-data.com forums for more local input as well.
by Kompass
Tue Aug 07, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2730

Re: New SS cards. Get yours?

Got my new Medicare card a couple of weeks ago, at least a couple of weeks after I got the email notice that it was coming. I dug into the recycling for the envelope it came in but came up empty, so I can't tell you what notations it had. If memory serves, it was pretty plain. Found my envelope! It...
by Kompass
Tue Aug 07, 2018 5:29 pm
Forum: Personal Investments
Topic: Matured Fixed Annuity - optimal withdrawal strategy
Replies: 14
Views: 932

Re: Matured Fixed Annuity - optimal withdrawal strategy

Just learned something new today regarding my mom's two annuities that were both purchased in the same year from the same company. The agent told me that if my mom withdraws 100% of the Annuity 2 (both principal and interest), that the entire amount will be considered taxable income. Agent pointed ...
by Kompass
Tue Aug 07, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for jobs out of state
Replies: 19
Views: 1544

Re: Applying for jobs out of state

My situation was a decade ago so possibly not relevant but I got a phone number local to the area I was looking so they would think I was local. With the job market being what it is now I'm also surprised you are not being pursued regardless of presumed location. I would remove current address from ...
by Kompass
Tue Aug 07, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: DAF, would you ?
Replies: 21
Views: 1537

Re: DAF, would you ?

I started my DAF last year for five reasons: 1 Charitable giving and getting into the habit of doing bunched donations 2 To have as a tax/income adjusting tool in the future 3 Since I have no heirs or family this is a way for me to make sure that when I die my funds will go to places I support and n...
by Kompass
Fri Aug 03, 2018 1:42 pm
Forum: Personal Investments
Topic: Matured Fixed Annuity - optimal withdrawal strategy
Replies: 14
Views: 932

Re: Matured Fixed Annuity - optimal withdrawal strategy

My mother has two annuities, one through Lincoln and one at Vanguard, they were bought a long time ago so this may not apply. They were due to mature two years ago but I was able to push back the maturity date to her age 99 on both with a simple form in each case. She is now 87 and we are using inco...
by Kompass
Tue Jul 31, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: Are women worse at investment?
Replies: 24
Views: 1700

Re: Are women worse at investment?

delamer wrote:
Tue Jul 31, 2018 6:15 pm
No.

How is this actionable?
+1
by Kompass
Thu Jul 26, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: An argument against self-insuring for long-term care
Replies: 214
Views: 11827

Re: An argument against self-insuring for long-term care

I read somewhere that you should purchase long term care insurance at 60 years old. Not before. Also, I live in south florida and have had 2 relatives that lived in adult living facilities (cost $5000.00) month and one was in the VA nursing home that cost him ($6000.00) a month. So, yes very expens...
by Kompass
Thu Jul 26, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: your advice on new oven
Replies: 22
Views: 2339

Re: your advice on new oven

Love convection, it made me a better cook and that’s saying something. I had never used one but it came with the house I’m in. Mine has conventional or standard for all bake/roast/broil. Look for one that has a heating element for the fan in addition to top and bottom, those are more effective at ke...
by Kompass
Wed Jul 25, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and order of deaths
Replies: 49
Views: 3332

Re: Inheritance and order of deaths

Wow This makes me glad to be the only child of an only child; and I have no children. :shock: Of course that means that as I do my own paperwork (now) I have to figure out guardians and conservators for a couple of decades or three from now. If I'm lucky I will have my faculties and abilities until ...
by Kompass
Mon Jul 23, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 7297

Re: Cell phone tip: block callers

Get a phone number in a very different area code, other state. I have this set-up because I moved and then found how hard it would be to change to the new area (2FA's etc) and just left it as the old one. This was 4 years ago and has turned out to be great. All these robo callers that spoof my "area...
by Kompass
Sun Jul 15, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5798

Re: Bears!!!

“ 3) For bear proof storage bins, I've only seen steel ones that can only hold 30 gal garbage containers ... they are expensive and are probably a bit of overkill. They have things like this at some national forest trailheads and in campgrounds.“ National forests have a lot of experience with this a...
by Kompass
Sun Jul 15, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Trouble with Face ID on Vanguard App for iPhone X?
Replies: 5
Views: 1219

Re: Trouble with Face ID on Vanguard App for iPhone X?

I have the same issue with fingerprint ID my older iPhone. Works a couple of times then quits. I just use the password through my password manager. It’s not worth the hassle to keep re-loading the app and resetting things over and over.
by Kompass
Sat Jul 14, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Need BH's help finding a CPA
Replies: 6
Views: 641

Re: Need BH's help finding a CPA

*bump* for visibility.
by Kompass
Fri Jul 13, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Need BH's help finding a CPA
Replies: 6
Views: 641

Need BH's help finding a CPA

Hi folks, looking for some collective wisdom, First up, yes I have looked at other threads including https://www.bogleheads.org/forum/viewtopic.php?t=253669 from three days ago but didn't want to hijack someone else's situation. I am looking for ways to screen for a CPA, I've had a couple over the l...
by Kompass
Mon Jul 09, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning and Charity
Replies: 18
Views: 1709

Re: Estate Planning and Charity

I’m the last of the line in my family and have decided to go the DAF route in order to make sure assets don’t just go to some state treasury when I die. I don’t plan on dying soon (57) but accidents happen. As I research possible recipients I like knowing it’s flexible and until I’m gone I can chang...
by Kompass
Thu Jul 05, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Good scanner for paperless (or less paper) office?
Replies: 30
Views: 1620

Re: Good scanner for paperless (or less paper) office?

BIGal wrote:
Thu Jul 05, 2018 4:57 pm
By far THE BEST is a ScanSnap ix500 by Fujitsu.
http://www.fujitsu.com/us/products/comp ... nap/ix500/

You won't be sorry you chose the best, believe me.

No, I am not an employee of Fujitsu, just a well satisfied customer.

Al
+1
by Kompass
Thu Jul 05, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7494

Re: Older Women Lifting Weights

Men’s and women’s shoulders start at a different rotation angle. Women’s knees rotate inward when weight is applied. Men’s don’t. Women have greater range of motion in the hip joints than men. Women over 60 (post menopausal) have probable bone density differences due to different hormones levels. Ye...
by Kompass
Wed Jun 27, 2018 11:09 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 3394

Re: Financial Newspapers & Publications

I subscribe to the economist in print. I believe it gives a broader perspective on both global and US trends. Cover to cover every week doesn’t leave time for the “porn”. :P
by Kompass
Mon Jun 25, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123576

Re: U.S. stocks in freefall

When VTSAX hits a 20% discount (real bear for me) I'll jump in the buying pool. Until then I'll just enjoy being one of the folks in the peanut gallery with "too much" in ca$h. :beer Isn't that timing the market? :mrgreen: Probably It's part of my IPS, so it's planned timing. On that premise one co...
by Kompass
Mon Jun 25, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123576

Re: U.S. stocks in freefall

When VTSAX hits a 20% discount (real bear for me) I'll jump in the buying pool. Until then I'll just enjoy being one of the folks in the peanut gallery with "too much" in ca$h.

:beer
by Kompass
Sun Jun 24, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Front load washer gross moldy gasket
Replies: 38
Views: 4479

Re: Front load washer gross moldy gasket

rgs92 wrote:
Sun Jun 24, 2018 11:46 am
I prefer top-loader Speed Queens.
Got rid of front loader and bought exactly this two years ago. :beer
by Kompass
Thu Jun 21, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Most vs. Least satisfying home impovements
Replies: 35
Views: 4016

Re: Most vs. Least satisfying home impovements

Custom lighting, got rid of half the lamps and have much better, more relaxed atmosphere. Can read comfortably anywhere.

Least: landscaping, I’ll have to bite the bullet and quit doing it half way.
by Kompass
Thu Jun 21, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 88
Views: 9738

Re: DNA ancestry testing

I'm looking at this like Facebook. Glad I didn't do it in the past, won't be doing it in the future. :beer
by Kompass
Thu Jun 21, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: HVAC installer just asked to borrow money..
Replies: 10
Views: 2351

Re: HVAC installer just asked to borrow money..

Similar here. Had a snowy winter that got to be a bit much for me, guy with a strong back and a shovel commanded $100 per hr (going rate right then). Two weeks later he needed to "borrow" $200, wife's mother passed, travel money etc. I guess he figured if I had the cash on site to pay that rate when...
by Kompass
Tue Jun 19, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Will or Trust?
Replies: 53
Views: 5268

Re: Will or Trust?

Apparently there was a time when the corporate trust business was extremely stable. But the changes in the industry have brought new companies like Vanguard, Fidelity and Schwab into the field. Many trust companies have been sold and merged. No matter how happy you might be with a company now, it i...