Search found 1309 matches

by DrGoogle2017
Wed Mar 07, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 8140

Re: Another "Should I self-insure" for LTC Question

People who sell insurance always know how to push all the right emotional buttons. From what I’ve read, OP posted, no inflation rider and this policy is worth less than $300k today, more increase every year and it will be worth less. Personally if this were me, I would get my premium back. Self-ins...
by DrGoogle2017
Wed Mar 07, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 8140

Re: Another "Should I self-insure" for LTC Question

pintail07, you are correct. There is no cap on the maximum benefit per a call I just made to my LTCi company. Can you tell me more about the cost of a one time payment for an asset based plan, with lifetime benefits, and most of the premium returned if no claims? If I renew my policy this year, unc...
by DrGoogle2017
Wed Mar 07, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 8140

Re: Another "Should I self-insure" for LTC Question

People who sell insurance always know how to push all the right emotional buttons. From what I’ve read, OP posted, no inflation rider and this policy is worth less than $300k today, more increase every year and it will be worth less. Personally if this were me, I would get my premium back. Self-insu...
by DrGoogle2017
Wed Mar 07, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: Boglehead contradiction, constant asset allocation is market timing
Replies: 100
Views: 9796

Re: Boglehead contradiction, constant asset allocation is market timing

The only people who don’t Market time are the ones you literally autoinvest every dollar and never look at their balances Everyone else, market times in some fashion and then argues about what to call it (anything but market timing! Gasp!) Do what psychologically keeps you invested - good night I t...
by DrGoogle2017
Wed Mar 07, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 117
Views: 10072

Re: Federal Employees, leading up to retirement?

Try to hang on to your health care insurance, it’s not just health care, it’s also dental care. You won’t be able to get good dental plan from ACA, no dental plan with Medicare either. Are you going to be married? If not, is there any guarantee? I could be dating a billionaire but if the relationsh...
by DrGoogle2017
Wed Mar 07, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 117
Views: 10072

Re: Federal Employees, leading up to retirement?

Try to hang on to your health care insurance, it’s not just health care, it’s also dental care. You won’t be able to get good dental plan from ACA, no dental plan with Medicare either. But is that worth 5 extra years? I know I haven't provided details on our finances, so I understand your concern, ...
by DrGoogle2017
Wed Mar 07, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 117
Views: 10072

Re: Federal Employees, leading up to retirement?

Try to hang on to your health care insurance, it’s not just health care, it’s also dental care. You won’t be able to get good dental plan from ACA, no dental plan with Medicare either.
by DrGoogle2017
Mon Mar 05, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: What is your investment strength?
Replies: 70
Views: 6064

Re: What is your investment strength?

I didn’t use a financial advisor and lose half of my savings as someone I knew from work.
by DrGoogle2017
Mon Mar 05, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - Trading
Replies: 14
Views: 1514

Re: Roth IRA - Trading

I use my daughter’s Roth IRA account strictly for trading. Since it’s a small account, I need to grow it aggressively, but I will put a limit on how much money I will accept for trading. I don’t want to lose her hard earn money. Trading is not what Bogleheads consider investing. It's speculating, a...
by DrGoogle2017
Mon Mar 05, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 4326

Re: Etiquette of hanging up on live telemarketers

That’s what I do too, hang up immediately . They are pests.
by DrGoogle2017
Mon Mar 05, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47549

Re: What frugal thing did you do today?

After a month of vacation with rich food, needless to say, my doctor put me on notice. So I’ve been snacking on celery and having cabbage soup for lunch, apple for dessert. Celery was 2 bunches for $1 here. Cabbage was 50c/lb, and apple for 88c/lb, I’m happy to say it’s working. Lost weight and bloo...
by DrGoogle2017
Mon Mar 05, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: 30 year fixed vs 7 year ARM
Replies: 37
Views: 3356

Re: 30 year fixed vs 7 year ARM

I would take 30 years even if you might move.
by DrGoogle2017
Mon Mar 05, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 8140

Re: Another "Should I self-insure" for LTC Question

I dropped mine, but I’m a lot younger and only paid 6-7 years. It’s tough when you paid for LTC for so many years. I don’t know what to advise you, but I think if you continue and need long term care, it would be a wash. As if you pay the same amount in premium as the benefit you are getting. How mu...
by DrGoogle2017
Sat Mar 03, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Budget Check (paging Watty / KlangFool)
Replies: 86
Views: 7836

Re: Housing Budget Check (paging Watty / KlangFool)

I had to hire a nanny even though I was working at home. The positive thing is that I can keep an eye on the new nanny. But I think if job is disappearing in a year, then you are taking too much risk. Why not just rent?
by DrGoogle2017
Sat Mar 03, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Medicare Reimbursement Account? (Federal Retiree with Medicare and BCBS Basic Option)
Replies: 10
Views: 1758

Re: Medicare Reimbursement Account? (Federal Retiree with Medicare and BCBS Basic Option)

I called and they set me a form, I just need to print my husband’s SS letter with proof that I’m paying for Medicare part B. I don’t know how they are going to reimburse yet. Stay tune.
by DrGoogle2017
Sat Mar 03, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 117
Views: 10072

Re: Federal Employees, leading up to retirement?

So what if they know, some of them are just as corrupted.
by DrGoogle2017
Sat Mar 03, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Perrenial question - pay off mortgage or not
Replies: 27
Views: 2805

Re: Perrenial question - pay off mortgage or not

Small amount compare to your networth, not worth keeping it. I would pay off for non financial reason.
by DrGoogle2017
Sat Mar 03, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 117
Views: 10072

Re: Federal Employees, leading up to retirement?

Actually my husband didn’t get any money for his sick leave, there is a special rule for sick leave, he didn’t qualify. He had lots of them. Up to a couple years ago if you retired under FERS, you got either no or reduced credit for sick leave. http://www.fedweek.com/retirement-financial-planning/t...
by DrGoogle2017
Sat Mar 03, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: AmEx Delta Gold is now Honoring Bonus
Replies: 87
Views: 10267

Re: AmEx Delta Gold Not Honoring Bonus

I'm a churner and I'm a bit wary of Amex. Couple of things. Amex offers typically (but not always) include "lifetime" language. Which means you aren't going to get the bonus twice, most of the time. Amex has a "rewards abuse team" that will disallow a bonus based on certain behaviors. If you happen...
by DrGoogle2017
Sat Mar 03, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Ratio of minimum vs discretionary retiree couple expenses
Replies: 51
Views: 3388

Re: Ratio of minimum vs discretionary retiree couple expenses

For me it’s almost 1/1 or 120(non discretionary)/80(discretionary). I am having hard time understanding the numbers unless of course you are talking about at least 8 figures in portfolio and having to maintain numerous houses and/or some of the houses still having mortgages and/or multiple country ...
by DrGoogle2017
Sat Mar 03, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Ratio of minimum vs discretionary retiree couple expenses
Replies: 51
Views: 3388

Re: Ratio of minimum vs discretionary retiree couple expenses

For me it’s almost 1/1 or 120(non discretionary)/80(discretionary). I am having hard time understanding the numbers unless of course you are talking about at least 8 figures in portfolio and having to maintain numerous houses and/or some of the houses still having mortgages and/or multiple country ...
by DrGoogle2017
Sat Mar 03, 2018 1:27 am
Forum: Personal Finance (Not Investing)
Topic: Ratio of minimum vs discretionary retiree couple expenses
Replies: 51
Views: 3388

Re: Ratio of minimum vs discretionary retiree couple expenses

For me it’s almost 1/1 or 120(non discretionary)/80(discretionary).
by DrGoogle2017
Sat Mar 03, 2018 1:16 am
Forum: Personal Finance (Not Investing)
Topic: AmEx Delta Gold is now Honoring Bonus
Replies: 87
Views: 10267

Re: AmEx Delta Gold Not Honoring Bonus

They did this to me on one card, somehow I never played the credit card game until recently, I didn’t have time nor the energy. I’m not sure if they’re lying to me or not. But my revenge was to close every AE card after I harvested the bonus point. Fair trade off, IMO.
by DrGoogle2017
Fri Mar 02, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 117
Views: 10072

Re: Federal Employees, leading up to retirement?

Actually my husband didn’t get any money for his sick leave, there is a special rule for sick leave, he didn’t qualify. He had lots of them. Up to a couple years ago if you retired under FERS, you got either no or reduced credit for sick leave. http://www.fedweek.com/retirement-financial-planning/t...
by DrGoogle2017
Fri Mar 02, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Planning
Replies: 27
Views: 2288

Re: Roth Conversion Planning

Medicare part B, you might pay more over $165k, IIRC.
by DrGoogle2017
Fri Mar 02, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 117
Views: 10072

Re: Federal Employees, leading up to retirement?

Actually my husband didn’t get any money for his sick leave, there is a special rule for sick leave, he didn’t qualify. He had lots of them.
by DrGoogle2017
Fri Mar 02, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7809
Views: 1604019

Re: Buying the latest dip

I say not yet.
by DrGoogle2017
Thu Mar 01, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 16985

Re: How much cash do you keep at any time on checking?

you don't want to miss out on the 1% per year MM accounts you will be able to get a couple free pizza's each year folks. That’s the point, we don’t eat pizza anymore. Bad for our health. I refuse to believe this. All food groups on one simple slab which can be eaten by hand! A food that brings smil...
by DrGoogle2017
Thu Mar 01, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5544

Re: What age is too old to stop hostelling?

There are a lot of cheap hotels in Europe. There is no need to stay in hostels unless you want to. How do you find the cheap but good quality hotels in Europe? Not thru expedia.com, hotels.com etc. Any pointers? Boglesmind It depends on how you define "cheap". Southern Europe is usually a lot less ...
by DrGoogle2017
Thu Mar 01, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: How to Avoid Selling Depreciated Stocks When Retired
Replies: 48
Views: 2830

Re: How to Avoid Selling Depreciated Stocks When Retired

I have a large HELOC for a reason. While I don’t plan to use it, but a large buffer is helpful.
by DrGoogle2017
Thu Mar 01, 2018 1:35 am
Forum: Investing - Theory, News & General
Topic: Your Paradigm for Long-term Inflation Risk?
Replies: 29
Views: 2146

Re: Your Paradigm for Long-term Inflation Risk?

I don’t think it’s as bad as the 70s. However, I don’t think there is none. My house insurance went up 20% this year. That said all of my income streams have inflation adjustment built in except for one, my pension.
by DrGoogle2017
Thu Mar 01, 2018 1:29 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3809
Views: 1077324

Re: What Movie Have You Recently Watched?

Darkest Hour from Redbox. I must admit an interest in Churchill since I visited his childhood home 2 years ago. This movie is a compliment to Dunkirk. Somehow, Dunkirk left out Churchill in his movie.
by DrGoogle2017
Wed Feb 28, 2018 10:10 pm
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4544

Re: Why have Emergency Funds?

But people here are exceptional people, nothing like this will happen to them ever. /sarcasm end This is disingenuous. The point has been made many times that you need to anticipate a stock crash at the time you have your emergency. Not according to the OP. This is not the first thread about emerge...
by DrGoogle2017
Wed Feb 28, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Move to Orange County
Replies: 50
Views: 4834

Re: Move to Orange County

I would look in Hotpads for rental homes, I never found Zillow to be accurate for anything.
by DrGoogle2017
Wed Feb 28, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5544

Re: What age is too old to stop hostelling?

There are a lot of cheap hotels in Europe. There is no need to stay in hostels unless you want to. How do you find the cheap but good quality hotels in Europe? Not thru expedia.com, hotels.com etc. Any pointers? Boglesmind I looked through AAA and booking.com. I sort by price first. Also some of th...
by DrGoogle2017
Wed Feb 28, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 16985

Re: How much cash do you keep at any time on checking?

westrichj312 wrote:
Wed Feb 28, 2018 5:55 pm
you don't want to miss out on the 1% per year MM accounts you will be able to get a couple free pizza's each year folks.
That’s the point, we don’t eat pizza anymore. Bad for our health.
by DrGoogle2017
Wed Feb 28, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5544

Re: What age is too old to stop hostelling?

There are a lot of cheap hotels in Europe. There is no need to stay in hostels unless you want to.
by DrGoogle2017
Wed Feb 28, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: Why have Emergency Funds?
Replies: 54
Views: 4544

Re: Why have Emergency Funds?

I have an emergency fund so that I can feed my family for a period of time if I lose my job without having to sell stock at a large loss. The most likely time I will lose my job coincides with a stock market crash. This happened to my family twice. Lose job and stock market crash. But people here a...
by DrGoogle2017
Wed Feb 28, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to stay in HCOL area?
Replies: 92
Views: 9717

Re: Can we afford to stay in HCOL area?

Even my kid, brand new graduate can afford to buy a town home now, evidence by the fact that her coworker just bought one, down payment was gifted by his parent. But mine is not settled yet, so she won’t. You don’t have to live down near the work area. In fact, you don’t know what area to buy even, ...
by DrGoogle2017
Wed Feb 28, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 16985

Re: How much cash do you keep at any time on checking?

About $20,000 in my regular checking account. I don’t want to cut too close.
by DrGoogle2017
Wed Feb 28, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Move to Orange County
Replies: 50
Views: 4834

Re: Move to Orange County

Yes, but don’t expect to buy a house in high cost area unless you bring significant home equity from somewhere. Yesterday, a lady in my art class told me she pays $2100 for 1br apartment near me, and $2200 for 2br apartment. This lady sold a big house in Chicago and retires here to be closer to her ...
by DrGoogle2017
Wed Feb 28, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7809
Views: 1604019

Re: U.S. stocks in freefall

I’m positive for the year, in fact close to an all time high on my husband’s account. Mine has higher stock allocation and I didn’t have cash to buy at the dip, so I’m not at an all time high.
by DrGoogle2017
Wed Feb 28, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Tax reform SALT affecting in Bay Area?
Replies: 67
Views: 9918

Re: Tax reform SALT affecting in Bay Area?

Our property tax is low for the house in the Bay Area. It wouldn’t affect us if we live there.
by DrGoogle2017
Wed Feb 28, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 9160

Re: Physical cash

I normally carry less than $100. But I just cashed a Costco check so I have a lot of cash with me. My husband joked about my cannon ball size Tahitian pearl earrings, as it’s an indication that I have money, and this is a good time to rob me because of all the cash I have now.
by DrGoogle2017
Tue Feb 27, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: How to negotiate free trades with TDAmeritrade (?)
Replies: 19
Views: 1884

Re: How to negotiate free trades with TDAmeritrade (?)

I called today to ask TDAmeritrade about how to put on an option trade. It turns out, it’s much better than their TradeArchitect. While I was on the phone, I just asked for free trades and they gave me some. Easy Peasy. But they only last for either 30 days or 60 days. I will keep asking for more wh...
by DrGoogle2017
Mon Feb 26, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Personal rules for buying in a down market?
Replies: 55
Views: 4503

Re: Personal rules for buying in a down market?

My rules are not hard and fast. I sold my vti shares at $144 before I left for vacation. I bought back some at $142,some at $139, some at $135, some at $134. Then when I unload them, I make sure I sold them higher than the lot I purchased. I’m not sure vti is back at $144 yet. I checked, vti is $142...
by DrGoogle2017
Mon Feb 26, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help with College admission questions for DD's friends
Replies: 11
Views: 613

Re: Help with College admission questions for DD's friends

Both of my nieces graduated from Rice with an undergraduate so I know it’s a dream school for many kids in Houston. But unless the parents agree to pay, Texas A&M is just as good. One of my daughters was NM and got a free air ticket to visit Texas A&M. At the time she poopooed the school but today s...
by DrGoogle2017
Mon Feb 26, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 19704

Re: Defining "House Poor"

I’m glad my husband and I asked our mothers when we were thinking of purchasing a house in the Bay Area. It was a choice of 3000 sqft vs 4000 sqft, they both said to pick the smaller house. We did take their advice. The bigger house now only sells about 10% higher than our house. But we could easily...
by DrGoogle2017
Mon Feb 26, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 138
Views: 8942

Re: how did you determine your risk tolerance?

I didn’t say it would. But his 401k was in stocks and he had to liquidate the stocks slowly to live. How would you feel if your 401 is down 50% and you have to take out some money on top of that. If you're into your 401(k) it's a bad situation any way you look at it. But can we agree that in extrem...
by DrGoogle2017
Sun Feb 25, 2018 11:35 pm
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 138
Views: 8942

Re: how did you determine your risk tolerance?

I understand this point of view. However, wouldn't you be better off in these "dooms day" scenarios if you had a much larger portfolio to start with? We all understand that stocks have gone up far more than they've gone down. Owning businesses, at the end of the day, is a profitable thing to do. So...