Search found 15 matches

by thelimocat
Tue Sep 04, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with paper EE bonds with elderly parent
Replies: 18
Views: 1169

Re: Dealing with paper EE bonds with elderly parent

Can you transition the paper bonds to a Treasury Direct account? That's what I did for my parents' bonds. They mature, then can be transferred to the bank account. Is that hard to do? I have about a one inch thick envelope of bonds. MrsBDG has it right. Its more time consuming as you need to setup ...
by thelimocat
Tue Sep 04, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with paper EE bonds with elderly parent
Replies: 18
Views: 1169

Re: Dealing with paper EE bonds with elderly parent

Can you transition the paper bonds to a Treasury Direct account? That's what I did for my parents' bonds. They mature, then can be transferred to the bank account. Is that hard to do? I have about a one inch thick envelope of bonds. MrsBDG has it right. Its more time consuming as you need to setup ...
by thelimocat
Tue Aug 28, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: thinking of paying off mortgage pls help
Replies: 51
Views: 2822

Re: thinking of paying off mortgage pls help

Pay off the house, pay off the car and stay away from all the salesmen etc. Find someone you really trust CPA, banker, Fidelity and talk to them but don't trust just because "oh you can trust me". The remaining $600 after payoffs should get your through the next few months until all things settle do...
by thelimocat
Sun Jul 29, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Pay Off...best method?
Replies: 23
Views: 2988

Re: Mortgage Pay Off...best method?

Just walk into your bank and tell them you wish to do an ACH transfer to your lending institution. Your lender can provide all the account/transfer information for their end. Put the money in your checking account so its transferred out of there. It's simple and painless. Plus theres a record and th...
by thelimocat
Thu May 10, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Spark Plugs only vs Tune Up?
Replies: 29
Views: 2177

Re: Spark Plugs only vs Tune Up?

Interesting, I asked our Honda dealer about a coolant change and he indicated they don't bother until ~100k miles unless it appears to degrade (who's checking?). The other thing is a replacement of the belt and water pump at that time as well. Both in the manual I think and I have heard this before ...
by thelimocat
Sun May 06, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 45
Views: 3763

Re: Long term care insurance

"There are two companies that sell policies that can never run out of benefits. Nearly every long-term care insurer allows spouses to share 10 to 16 years of benefits." I would like to know what two companies provide this type of coverage in todays market. I think if all will really get down to app...
by thelimocat
Thu May 03, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: advice about mortgage options
Replies: 14
Views: 865

Re: advice about mortgage options

I'd like to get your advice about choosing between mortgage options. I and my husband are moving to a new town to start new jobs and we are under contract for a new house, our first home purchase. We are planning to put down 20% but we are not sure what kind of mortgage is best for the remaining 80...
by thelimocat
Mon Apr 09, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 4185

Re: Active Adult Retirement Communities

I am looking for suggestions from Bogleheads as to nice Active Adult Retirement Communities in Florida and Arizona that we might want to consider? We enjoy golf, walking, bicycling, pickleball, and socializing. We want to keep our housing expense under $500k. Thank you. Would you consider Texas. Su...
by thelimocat
Thu Jan 04, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: How does the IRA Required Minimum Distribution work for those over 70.5?
Replies: 4
Views: 901

Re: How does the IRA Required Minimum Distribution work for those over 70.5?

There is an RMD section that has most of this info. The tax % you wish to be withheld, the total amt required and how you want the money taken from the funds. I prefer to let them do the heavy lifting by doing a propionate across all the funds it also forces me to rebalance. It can be done almost an...
by thelimocat
Sat Oct 21, 2017 3:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 35661

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

The target equity regional allocation for the Vanguard Global Wellington Fund is 57.0% North America, 30.9% Europe, 12.1% Pacific, and 0% Emerging Markets. The target equity allocation for the Vanguard Global Wellesley Income Fund is 45.4% North America, 42.9% Europe, 6.2% Pacific, and 5.5% Emergin...
by thelimocat
Fri Oct 20, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 35661

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

Sorry if it is posted somewhere already but does anyone know the expected split between US and foreign holdings? I don't think anyone knows. I've tried to follow this fund's development closely, and I haven't seen this information released. Also they haven't said what proportion would be in emergin...
by thelimocat
Fri Oct 20, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 3608

Re: [If I die before my spouse, how to direct Vanguard advisors?]

Pennywise, thank you for your input. I agree that if I did nothing, my wife would be OK. A sort of survival instinct would take over and guide her. But I see nothing wrong in trying to set a plan in place that would improve her odds of not becoming destitute, of being better able to fulfill our cha...
by thelimocat
Thu Oct 19, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 3608

Re: [If I die before my spouse, how to direct Vanguard advisors?]

Celia, 1210sda Your both on the right track BUT! We just went through this with the death of my mother in law. VG goes to beneficiaries on the accounts first then the estate if there are none assigned. Death Certs are required etc, etc. Signed letters have no legal standing this needs to be in your ...
by thelimocat
Wed Oct 18, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 35661

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

SO if one were to move into either one of these Globals would it cause you to get out of other international funds or reduce your exposure or just add for diversity? I am considering making one of these my international position for the future inside an IRA.
by thelimocat
Mon Oct 16, 2017 8:32 am
Forum: Investing - Theory, News & General
Topic: About Vanguard advisors: opinions, thoughts?
Replies: 78
Views: 9718

Re: About Vanguard advisors: opinions, thoughts?

I too am in the same frame of mind. I spoke to an advisor and sent a couple of line items that I considered important. Their general plan appears to be more leveraged toward your portfolio and not financial planning. I suspect if one is concerned about how things are going to run after ones demise a...