Search found 192 matches

by changingtimes
Wed Sep 11, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: [Frustrated with Vanguard advisory service] Procedures on Death of a Spouse
Replies: 47
Views: 4281

Re: Vanguard Insane (?) Procedures on Death of a Spouse

I went through this two years ago when DH died (I was 50 at the time). He had a personal IRA (he was 55), his 401k was at Vanguard, and we had three brokerage accounts where we were joint owners (technically one was his, one was mine, and one was ours, but we put each other on all). I don't remember...
by changingtimes
Tue Sep 10, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4078
Views: 753692

Re: What's Your Credit Card Rewards Strategy?

After a big spurt of getting new cards at the end of July, I've settled on this: AmEx Blue Preferred for 6% cash back on groceries and streaming Chase Freedom for 5% cash back/Unlimited Rewards pts in revolving categories (gas right now) -- already got the 15,000-pt bonus Amazon Prime for 5% Amazon/...
by changingtimes
Wed Aug 14, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 17497

Re: Are you a "solo ager?"

ychuck46 wrote:
Wed Aug 14, 2019 11:13 am
tooluser wrote:
Sat Aug 10, 2019 12:47 am
Robots will likely be able to deliver a better simulation of care than humans. Looking forward to them.
They also won't steal everything you have when family members aren't around, or sit there laughing when you need help getting out of bed.
But will they be WALL-E or the T-2000?
by changingtimes
Wed Aug 14, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 17497

Re: Are you a "solo ager?"

megabad wrote:
Tue Aug 13, 2019 2:25 pm
Solo is not my chosen path, but there are benefits.
Every so often I do remind myself that having kids--or being married!--isn't a guarantee that you won't be mostly on your own during the aging process.
by changingtimes
Mon Aug 12, 2019 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 17497

Re: Are you a "solo ager?"

A solo ager with financial means should certainly consider a CCRC. Not only do they offer the opportunity to live in the circumstances that you need as you age, but there are medical personnel and social workers to make determinations when you should make transitions to higher levels of care. The s...
by changingtimes
Sun Aug 11, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 17497

Re: Are you a "solo ager?"

I am likely to be a solo ager, widowed, unlikely to marry again, and no kids. A year before DH got sick we did all of our estate planning, including trusts, powers of attorney and whatnot, which meant that I had the infrastructure in place after he died to just change the configuration rather than h...
by changingtimes
Fri Aug 09, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions of Direct Access Primary Care
Replies: 2
Views: 237

Re: Opinions of Direct Access Primary Care

You might want to do some searching on "concierge medicine," which is another term it is referred to by.
by changingtimes
Thu Aug 08, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4078
Views: 753692

Re: BoA Platinum Honors returns vs. my CC system

+1 Adding up the bonus spending, calculating cash back, and then subtracting the annual fees is the way to go. My current setup is Chase Sapphire Reserve -- Travel/Dining 3% x1.5 multiplier AMEX Blue Preferred -- Groceries and Streaming 6%,Gas 3% Chase Ink Business Cash -- Cell phone/internet 5% x1...
by changingtimes
Mon Aug 05, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12035
Views: 2047717

Re: U.S. stocks in free fall

I'm using this to sell some VTSAX that was up 22% before today (LTCG), and then just use that as my cash stash for the next little while. Just pretending I sold it in June. :)
by changingtimes
Thu Jul 25, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4078
Views: 753692

Re: What's Your Credit Card Rewards Strategy?

Okay, fine, you guys roped me in. :) I've had various rewards cards that I've used religiously, but decided to get deep into it and really maximize. I just wish you had roped me in about a month ago, so I could have applied for the Hilton Surpass AmEx BEFORE I went on a week-long trip where I spent ...
by changingtimes
Thu Jul 25, 2019 7:11 am
Forum: Personal Investments
Topic: Who has the best (easiest) Donor Advised Fund
Replies: 57
Views: 2737

Re: Who has the best (easiest) Donor Advised Fund

After reading this thread, I finally got off the fence and opened a DAF. Actually, two. :D Opened the Fidelity one first, but when it came time to fund it, I realized that funding a Vanguard one will just be so much easier since that's where my holdings (and appreciated shares) are. So I opened the ...
by changingtimes
Mon Jul 22, 2019 7:30 am
Forum: Personal Investments
Topic: Questions about mega-backdoor Roth, and is there any reason NOT to do a mega-backdoor Roth?
Replies: 27
Views: 6546

Re: Questions about mega-backdoor Roth, and is there any reason NOT to do a mega-backdoor Roth?

There's no requirement that someone do regular deferrals first or at all to make after-tax contribution. One could put 54k - employer contributions in after-tax and roll out if so desired. A potential reason for that would be if the plan did not offer Roth 401(k) and the participant wanted all cont...
by changingtimes
Sun Jul 21, 2019 12:08 am
Forum: Personal Investments
Topic: A Silly Question About IRA Withdrawal Withholding
Replies: 8
Views: 895

Re: A Silly Question About IRA Withdrawal Withholding

Tax deferred space is valuable and limited when you are accruing, but it's rapidly becoming a massive tax liability for some. My goal is to suck every penny out of my IRA to the top of the 24% bracket, not touching my after-tax assets, from now until either the tax rates surge back up, I am forced ...
by changingtimes
Sat Jul 20, 2019 12:23 pm
Forum: Personal Investments
Topic: A Silly Question About IRA Withdrawal Withholding
Replies: 8
Views: 895

A Silly Question About IRA Withdrawal Withholding

This seems so elementary, but I'm not sure. If you withdraw from a tax-deferred account (inherited spousal IRA in my case, so no penalty) and elect to have 100% of the withdrawal withheld for taxes, does that withdrawal still count as taxable income? In other words, there's no way to truly withhold ...
by changingtimes
Thu Jul 18, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Survivor Benefits
Replies: 6
Views: 747

Re: Social Security Survivor Benefits

https://obliviousinvestor.com/social-security-planning-with-widower-benefits/ I'm surprised in reading this to find out that survivor benefits can continue after a remarriage as long as you remarry after 60. I figured the survivor check would disappear completely. (So much for my using that as my e...
by changingtimes
Tue Jul 16, 2019 11:32 am
Forum: Personal Investments
Topic: Vanguard TD funds
Replies: 35
Views: 2170

Re: Vanguard TD funds

I use a mix of Vanguard TR 2025 and 2020 in my 401k (totaling about 38% of my total holdings). I hate dealing with international holdings, and I also have a hard time settling on an asset allocation, so I want something with a glide path where it's also hard for me to do too much to muck with thing...
by changingtimes
Tue Jul 16, 2019 11:05 am
Forum: Personal Investments
Topic: Vanguard TD funds
Replies: 35
Views: 2170

Re: Vanguard TD funds

I use a mix of Vanguard TR 2025 and 2020 in my 401k (totaling about 38% of my total holdings). I hate dealing with international holdings, and I also have a hard time settling on an asset allocation, so I want something with a glide path where it's also hard for me to do too much to muck with things...
by changingtimes
Fri Jul 05, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 21216

Re: Do you share your net worth with family members?

I told my mom and dad at various points along the way. They have always been happy for me and proud. They told me about their resources too. No problems or jealousy at all. No my brother is a different story...... +1. I talk personal finance and investing with my dad a lot (a common interest). I on...
by changingtimes
Fri Jul 05, 2019 9:07 am
Forum: Personal Investments
Topic: 100% in VTSAX
Replies: 15
Views: 1933

Re: 100% in VTSAX

BTW: my wife and I are still doing $1000/mo each into the Institutional Target Retirement 2045 with Vanguard in our 403(b) accounts. If happy with the institutional target date fund in your 403bs, why not just use Vanguard Target Retirement 2045 Inv (VTIVX) in your Roth IRAs? Historically using goo...
by changingtimes
Wed Jul 03, 2019 1:21 pm
Forum: Personal Investments
Topic: After-tax Contribution 401k Questions (Mega Backdoor Roth)
Replies: 5
Views: 655

Re: After-tax Contribution 401k Questions (Mega Backdoor Roth)

Firstly, I will ask to temper your enthusiasm a bit. Yes, MBR is great, but from what you describe, it is a version that would allow only In Plan Roth conversions, but not allow the money to be rolled over to an external IRA. Much like my own plan. You should also be aware that, since this is a 401...
by changingtimes
Tue Jul 02, 2019 12:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Advertising Mutual Fund to ETF Conversion
Replies: 128
Views: 9325

Re: Vanguard Advertising Mutual Fund to ETF Conversion

It appears that my attempt to use the online conversion for VTSAX-VTI in my Roth didn't take, unless they are needing an extra day rather than "after next market close," which would have been last night. (I submitted it on Sunday.) Anyone else have a report on whether the new online conversion form ...
by changingtimes
Sat Jun 29, 2019 9:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Advertising Mutual Fund to ETF Conversion
Replies: 128
Views: 9325

Re: Vanguard Advertising Mutual Fund to ETF Conversion

I was curious about the conversion process, so I experimented with my Roth IRA (located at Vanguard) on Friday. My Roth IRA solely contained VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares). My Roth is also only VTSAX, and while I wasn't really that excited about the whole ETF thing, I...
by changingtimes
Fri Jun 28, 2019 3:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Advertising Mutual Fund to ETF Conversion
Replies: 128
Views: 9325

Re: Vanguard Advertising Mutual Fund to ETF Conversion

That's new. They must be rolling it out a little at a time. I don't have that yet for my two mutual funds in a taxable account. Make sure you record your cost basis before you click convert in a taxable account. Hopefully they've automated that part of the process to reduce the number of errors cre...
by changingtimes
Fri Jun 28, 2019 2:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Advertising Mutual Fund to ETF Conversion
Replies: 128
Views: 9325

Re: Vanguard Advertising Mutual Fund to ETF Conversion

Do you have a legacy mutual fund account or a modern brokerage account? Everything is now brokerage accounts, though a few of my accounts were converted from the old mutual funds only. This is what I get when I click on Convert Now: https://i.imgur.com/9zmQAt8.jpg ETA: When I click on Convert Now, ...
by changingtimes
Fri Jun 28, 2019 2:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Advertising Mutual Fund to ETF Conversion
Replies: 128
Views: 9325

Re: Vanguard Advertising Mutual Fund to ETF Conversion

I got the e-mail, the pop-up and this big thing on my main screen after closing the pop-up:

Image

Note the "convert online now".
by changingtimes
Wed Jun 26, 2019 4:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Advertising Mutual Fund to ETF Conversion
Replies: 128
Views: 9325

Re: Vanguard Advertising Mutual Fund to ETF Conversion

If I purchase ETF shares at $x at 10:00 and at that moment NAV is $x * 0.99, I have "lost" 1% on those shares. If I place an order for mutual fund shares at 10:00 and the NAV goes up by 1% between then and the market close, I have also "lost" 1% on those shares. I wait until the end of the day to m...
by changingtimes
Sat Jun 22, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: One Medical as Primary Care Provider
Replies: 14
Views: 1297

Re: One Medical as Primary Care Provider

I use One Medical. Their app is great for scheduling, though be aware that same day apps aren't necessarily with your primary doctor. Never had an issue with billing or paperwork. I haven't had to use them for any acute illnesses, but it is much better than my old PCP office. And every appt has star...
by changingtimes
Sat Jun 22, 2019 10:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica
Replies: 85
Views: 9405

Re: Vanguard Variable Annuity - Transitioning to Access Only Through Transamerica

Does Vanguard have any special relationship with Transamerica? I don't have any Vanguard annuities, but earlier this week two defined contribution plans I have through Megacorp, which are now handled by Transamerica, are now showing up as links (albeit not-yet-working links) beneath my Vanguard 401k...
by changingtimes
Fri Jun 21, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Permanent DINK couples - Considerations, thoughts, etc?
Replies: 97
Views: 10499

Re: Permanent DINK couples - Considerations, thoughts, etc?

Thanks for the reply. I just find the charity route difficult the more I look at it. I think it'll most likely be a friend's children or maybe just a younger person I interact with regularly once the time gets closer. Sort of a proxy kid if you will. It'd be very satisfying to leave our best friend...
by changingtimes
Mon Jun 17, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 9666

Re: Article on high deductible health plans - and the math

To add another wrinkle to the HSA realm.... My company started offering two additional gap insurance plans, an Accident Plan and a Critical Illness Plan, in this first year of offering an HDHP/HSA. For me the accident plan would be $13 a month for $30k additional coverage, and the critical illness p...
by changingtimes
Sun Jun 16, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Doing Your Own Taxes
Replies: 36
Views: 3465

Re: Doing Your Own Taxes

I'm making the same decision. Picked up the CD version of TaxCut on Amazon for $16 a few weeks ago, and have been playing with it. Go for it!
by changingtimes
Sun Jun 16, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 9666

Re: Article on high deductible health plans - and the math

In reading all of this, I guess the PPO I've had in recent years is basically an HDHP, but we had flexible spending accounts and no HSA. I've had a $2k in-network deductible (employer tosses in $750), and out of pocket max of $4,500. After the deductible is met, they pay 90% of in-network bills and ...
by changingtimes
Fri Jun 14, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: Wellington VS Balanced Index
Replies: 36
Views: 6566

Re: Wellington VS Balanced Index

columbia wrote:
Fri Jun 14, 2019 5:40 pm
Owning Wellington or Balanced Index or the VG 60/40 life strategy fund are on my list, should any nieces or nephews ever ask for a recommendation.
I struggled with this decision in an inherited IRA, and ended up splitting between all three. :twisted:
by changingtimes
Tue Jun 11, 2019 11:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard Report - How America Saves 2019
Replies: 7
Views: 1241

Re: Vanguard Report - How America Saves 2019

Am I the only one for whom "5 million" is surprisingly low?
by changingtimes
Tue Jun 11, 2019 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 5973

Re: Is it Wise to Remove Escrow if Bank Allows it?

Just a follow-up that Chase approved my request to remove escrow. Thanks for the nudge from this thread! (and also thanks for nudging after my homeowner's insurance was already paid this year!)
by changingtimes
Fri Jun 07, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Buying Burial Plot in advance
Replies: 53
Views: 2920

Re: Buying Burial Plot in advance

I do a lot of work on Findagrave, and see that often. The sad cases are where the spouse's headstone has a blank space for the surviving spouse's name and details, but that spouse decides to be buried elsewhere. So Spouse 1 spends eternity being stood up. In my town's cemetery, it's not unheard of ...
by changingtimes
Thu Jun 06, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 5973

Re: Is it Wise to Remove Escrow if Bank Allows it?

Just heard back from Chase and my request to drop escrow was approved! $7k headed my way. Insurance comes out monthly with my auto policy. Taxes are due once a year in Feb. I like this a lot so far. Dang, we both pretty much asked at the same time, and I'm still waiting. Wonder if my credit freeze ...
by changingtimes
Thu Jun 06, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 5973

Re: Is it Wise to Remove Escrow if Bank Allows it?

Just heard back from Chase and my request to drop escrow was approved! $7k headed my way. Insurance comes out monthly with my auto policy. Taxes are due once a year in Feb. I like this a lot so far. Dang, we both pretty much asked at the same time, and I'm still waiting. Wonder if my credit freeze ...
by changingtimes
Wed Jun 05, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 5973

Re: Is it Wise to Remove Escrow if Bank Allows it?

some lenders require it (for ins or taxes or both). Just wrote to mine and they didn't out-and-out refuse. Said that they will pass on my request to their Escrow Department, who will make the ultimate determination after reviewing my account. THat's what Chase said to me as well. Waiting to hear wh...
by changingtimes
Wed Jun 05, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 5973

Re: Is it Wise to Remove Escrow if Bank Allows it?

F150HD wrote:
Wed Jun 05, 2019 1:38 pm
some lenders require it (for ins or taxes or both).
Just wrote to mine and they didn't out-and-out refuse. Said that they will pass on my request to their Escrow Department, who will make the ultimate determination after reviewing my account.
by changingtimes
Wed Jun 05, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 5973

Re: Is it Wise to Remove Escrow if Bank Allows it?

If you ask your mortgage lender to remove escrow, what do they take into account when making the decision?

(The thought to do it actually never occurred to me before now, but yeah, I can handle it myself. I know my father always has refused to do escrow.)
by changingtimes
Wed Jun 05, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Buying Burial Plot in advance
Replies: 53
Views: 2920

Re: Buying Burial Plot in advance

Ever since my mom died in 2013 (and with her ashes interred with her parents back in her home state, per her express wishes), I've been gently nudging my dad, now 85, to tell me where he wanted to be. He'd always answer flippantly about where he wanted his ashes spread by drone. After my husband got...
by changingtimes
Tue Jun 04, 2019 11:36 am
Forum: Investing - Theory, News & General
Topic: "Roth IRA: Two Clocks"
Replies: 20
Views: 1891

Re: "Roth IRA: Two Clocks"

Yes. I haven't followed my own advice regarding 5498 forms, rollovers, conversions, etc. I wonder what records Vanguard has regarding my 2008 Roth contribution! Oh shoot, wait, it might have been with T. Rowe Price for a few years. Hmm...see what I mean? I better make it to 59.5 without a need for ...
by changingtimes
Tue Jun 04, 2019 11:08 am
Forum: Investing - Theory, News & General
Topic: "Roth IRA: Two Clocks"
Replies: 20
Views: 1891

Re: "Roth IRA: Two Clocks"

I have to admit that I have found the KaWill table to be confusing if you aren't well-schooled in Roth rules. This is my spreadsheet that tracks my combination of direct Roth contributions, rollovers from my individual (pre-tax) IRA (which is actually a rollover from my spousal inherited IRA), and i...
by changingtimes
Tue May 28, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosed with cancer, anything else I should be doing?
Replies: 24
Views: 4308

Re: Diagnosed with cancer, anything else I should be doing?

Thank you for your reply. I will look into the ICE Binder. I will also double check she has all the passwords. It is such a surreal curveball to have come your way, I know. But glad that the prognosis is good. I would suggest that you and your wife start using LastPass for your passwords, and, in s...
by changingtimes
Mon May 27, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Elderly Parent's Home In Need of Major Repairs
Replies: 44
Views: 4247

Re: Elderly Parent's Home In Need of Major Repairs

You might also want to post about this on the real estate forum at DC Urban Moms and Dads. They can tell you a lot more about value, the current market, what's worth doing and what isn't, with a whole lot of knowledge (along with some snark, so be prepared) about the DC-area real estate biz, which a...
by changingtimes
Sat May 25, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: If your net worth is over $3 million, how did you do it?
Replies: 404
Views: 103265

Re: If your net worth is over $3 million, how did you do it?

1. Maxxed out 401k early.

2. Bought a house and stayed in it for 25 years in a neighborhood that exploded.

3. No kids. (sorry, but it's true--and it's the biggest reason)
by changingtimes
Sat May 25, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: American Express lowered my credit limit
Replies: 61
Views: 5319

Re: American Express lowered my credit limit

Same letter here. But I was only ever using it for grocery shopping, since I have the Citi Double Cash (2% back on everything) and the Citi Thank You Premier (3x points for travel and entertainment). Then a Whole Foods opened up two blocks from me so I started using the Chase Prime Rewards when shop...
by changingtimes
Mon May 20, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: Pre-RMD Retirement Sweet Spot - Accelerating IRA Withdrawals vs. Roth Conversion
Replies: 51
Views: 4247

Re: Pre-RMD Retirement Sweet Spot - Accelerating IRA Withdrawals vs. Roth Conversion

I continue to struggle with this, since tax-deferred is about 80% of my holdings, at age 52, and I only opened my first Roth last year. Given that I can withdraw from the IRA I inherited from DH without penalty, part of me feels like I should be taking advantage of that now, even while I'm still wor...
by changingtimes
Sat May 18, 2019 6:54 pm
Forum: Personal Investments
Topic: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]
Replies: 37
Views: 11726

Re: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]

I split the difference in one IRA and bought 50% of each.