Search found 50 matches

by Sagefemme
Mon Sep 17, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 37
Views: 3459

Re: I see now why Rollovers can take FOREVER ....

In early summer (I think it was June) I asked my spouse to transfer an old retirement account at Fidelity with about $25,000 in it to TIAA (into his current retirement account). Eliminating this old IRA needs to happen in order to start a backdoor Roth for him. The back-and-forth among Fidelity, TIA...
by Sagefemme
Sun Sep 09, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3572

Re: Subaru: Crosstrek or Outback?

I love my 2012 Outback for camping and outdoor activities. DH and I spent spring break last year in Death Valley and the Outback came through in so many ways! There were a few nights that were so windy our tent got flattened repeatedly (tent walls against my face every time there was a big gust). We...
by Sagefemme
Sun Sep 09, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 29
Views: 1571

Re: where to learn to sew?

Local community college, many have classes for non-matriculated students of all ages.
by Sagefemme
Fri Sep 07, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: time for new pair of glasses
Replies: 36
Views: 2448

Re: time for new pair of glasses

I am a big fan of Eye Buy Direct. My glasses prescription is a little esoteric (I have progressives with a prism component, for example) and they have never gotten it wrong (meaning I've never had to send a pair of glasses back because the correction wasn't right). Once you get prescription glasses ...
by Sagefemme
Sat Aug 25, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Need a cheap smartphone - no service needed
Replies: 29
Views: 2313

Re: Need a cheap smartphone - no service needed

I have bought phones a few times on "Swappa" an online marketplace for mostly pre-owned, but also some new, devices. You will find lots of options. Shipping is included in the price. I've been happy with my Swappa purchases and experiences.
by Sagefemme
Mon Aug 20, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5038

Re: Do you go for annual Medicare preventive tests and screening?

I'm a heath care provider (not on Medicare myself yet). This thread is so depressing to me. If posters on this forum, who are generally smart, informed, and practical, have trouble deciphering these convoluted and Byzantine Medicare rules, imagine what less capable people go through?? Also, it's a p...
by Sagefemme
Sat Aug 11, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12353

Re: Joint Ownership of home with second wife

As for appearing married without actually being married, my husband and I got married (really) 36 years ago in a judge's office, with one witness. I swear not once since then have I had to prove I'm married. We don't have the same last names. We have two kids. We have owned several houses together. ...
by Sagefemme
Sat Aug 11, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Sucking up to make more money?
Replies: 46
Views: 2131

Re: Sucking up to make more money?

Do what gives you the best night's sleep. If you are fretting about this as you fall asleep, it's not worth it. My two cents.
by Sagefemme
Thu Aug 09, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Home Addition Finance
Replies: 48
Views: 2733

Re: Home Addition Finance

I am curious about living on your dream street. I understand the house itself is not great, but is living on The Street in The Neighborhood as wonderful as you imagined it would be? I am a big believer in the right location being key to happiness. I remember reading a study once where the researcher...
by Sagefemme
Sun Aug 05, 2018 10:18 am
Forum: Investing - Theory, News & General
Topic: The stock market is shrinking.
Replies: 68
Views: 7509

Re: "The Market is Shrinking, and That's a Problem"

Whoops, didn't see this was posted yesterday!! I guess I'll read those replies.....
by Sagefemme
Sun Aug 05, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: The stock market is shrinking.
Replies: 68
Views: 7509

"The Market is Shrinking, and That's a Problem"

[Thread merged into here, see below. --admin LadyGeek] I was interested and alarmed by this short, pithy piece in the New York Times business section today. I guess I should know this is happening, but Jeff Sommer explained what it is, and why it's worrisome, so well that I feel like I've suddenly ...
by Sagefemme
Mon Jul 30, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12353

Re: Joint Ownership of home with second wife

And please let us know what happens. This is an interesting situation reflecting modern-day marriage and could be of interest to many on this forum. BTW, what on-line forum is she seeking advice from, if you know?
by Sagefemme
Mon Jul 30, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12353

Re: Joint Ownership of home with second wife

I'm with JoeRetire--you need an actual prenuptial agreement, reflecting your actual assets and concerns, not a generic one of no use to you for the house-buying issue and probably of no use for the other pieces of the financial arrangements that are guaranteed to come up. Get the attorney to do some...
by Sagefemme
Thu Jul 26, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Help with Budget Please...(detailed income added)
Replies: 28
Views: 2256

Re: Help with Budget Please...(detailed income added)

Looks to me like you are doing very well for a family in an expensive time of life. I will chime in about lunches--if you take leftovers or simple foods from home it will pay twice: once at the time of the meal, and later when health care expenses are less because you ate less restaurant food..........
by Sagefemme
Tue Jun 12, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 3062

Re: death certificates...hospice and 911

My mom died at home in 2015 after being in hospice for about two months. Hospice advised me to call the mortuary in advance to start arrangements. When I called them I imagined she would live at least a few more weeks; in fact she died a few days later. No one "pronounced" her dead. I and my daughte...
by Sagefemme
Sat May 26, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 9205

Re: Help Buying Mens Shoes for Work and Dating

If you live anywhere near Nordstrom (a department store that got its start as a shoe store in the Pacific Northwest), go there. Just show up in the shoe department and tell an associate what your needs are. Nordstrom has excellent sales associates who know their products and have good people skills....
by Sagefemme
Fri May 04, 2018 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Too much cash - what to do?
Replies: 16
Views: 2723

Re: Too much cash - what to do?

Have you searched Craig's list and other "for sale" sites for a used Lexus? I wonder if you could find what you want, a few years old, and save quite a bit (and pay cash, of course). But I do think one way or another you deserve a nice Lexus as a reward for your frugality :happy
by Sagefemme
Mon Apr 23, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Edited 4/23 Please help with overall investment plan for retirement
Replies: 8
Views: 1178

Re: Edited 4/23 Please help with overall investment plan for retirement

Do I need to bump this after editing to get it to the top of the heap?
by Sagefemme
Mon Apr 23, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: In-laws financial advisor rip off
Replies: 35
Views: 4438

Re: In-laws financial advisor rip off

Easy to imagine the fee is 0.25% per quarter, for 1% per year. When I had a FA that's how they billed the fees, quarterly.
by Sagefemme
Tue Apr 17, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Did I just mess up?
Replies: 9
Views: 1739

Re: Did I just mess up?

THE PROBLEM IS FIXED!! SCHWAB VOIDED THE TRANSACTION!!

I'm doing a jig of happiness. BUT I learned so much by this mistake, and the advice and knowledge from all of you. Thanks Bogelheads!!
by Sagefemme
Tue Apr 17, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Did I just mess up?
Replies: 9
Views: 1739

Re: Did I just mess up?

Thanks, everyone. Yes I'm confused and now I see the source of my confusion, and have it sorted out. I would love to undo the damage (transfer that $6500 back to checking!). This all happened at Schwab. I guess I should call them and see if the transaction can be reversed (I did it with the click of...
by Sagefemme
Tue Apr 17, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Did I just mess up?
Replies: 9
Views: 1739

Re: Did I just mess up?

I'm getting more confused by the minute. Going back to read basic stuff on retirement plans, because now it seems to me that I can't fund an IRA at all if I have an available employer sponsored 401k plan. Back to the drawing board.
by Sagefemme
Tue Apr 17, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Did I just mess up?
Replies: 9
Views: 1739

Re: Did I just mess up?

Thanks, guliver. Arrrgh! I wish I had not done this, it seems to just complicate everything! Up until today, this IRA contained only pretax contributions and earnings from a previous employer's 401K. After I turned the 401K into a rollover IRA I never contributed anything more to it, just had it inv...
by Sagefemme
Tue Apr 17, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Did I just mess up?
Replies: 9
Views: 1739

Did I just mess up?

I just did something I think I can't undo, but maybe it's not a huge SNAFU. I was online at Charles Schwab looking at a rollover IRA I recently moved from Fidelity to Schwab, and had the brilliant idea to make the catch-up contribution I had not yet made for 2017 to that account. I was on the phone ...
by Sagefemme
Mon Apr 16, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to understand my 401K
Replies: 11
Views: 1514

Re: Trying to understand my 401K

PhD--I can roll my rollover IRA into my company 401k. There is no after-tax option; just 401k and 401K Roth. I'm still digesting Wikis on these things. I hope sometime soon I'll understand why "401k Roth" and "after tax option" are not the same. In my current imperfect understanding the 401K Roth is...
by Sagefemme
Mon Apr 16, 2018 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Edited 4/23 Please help with overall investment plan for retirement
Replies: 8
Views: 1178

Re: Please help with overall investment plan for retirement

Thank you Chip! I appreciate your thoughts. To be honest I knew when I was writing this post that I needed to be refiguring percentages of funds across all accounts. But it was getting very late last night, and I couldn't figure out how to save the entire draft of the post (when I said "save" it sai...
by Sagefemme
Mon Apr 16, 2018 2:51 am
Forum: Investing - Help with Personal Investments
Topic: Edited 4/23 Please help with overall investment plan for retirement
Replies: 8
Views: 1178

Edited 4/23 Please help with overall investment plan for retirement

I've been posting on random subjects but finally got to putting this "big picture" together this evening. My husband and I have not looked at our retirement accounts together, ever, so there is some shifting around we should likely do to get optimal allocation across all accounts. The taxable accoun...
by Sagefemme
Mon Apr 16, 2018 12:16 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand my 401K
Replies: 11
Views: 1514

Re: Trying to understand my 401K

Earl--this is what I'm trying to figure out--whether I should contribute to Roth 401k. Seems like one way to end up with a Roth IRA eventually; if I understand correctly funds in Roth 401k can be converted into a Roth IRA at some point. My state income tax is 9%. Federal 28% for 2017 which I guess i...
by Sagefemme
Sun Apr 15, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Mozart in the morning, please
Replies: 18
Views: 2549

Re: Mozart in the morning please

I'm jealous of anyone who needs waking up at 7 am. I have not set an alarm for years, because by 6 am every day I am fully awake. I'd love to be sleeping still at 7 am but in never happens, no matter what time I go to bed.
by Sagefemme
Sat Apr 14, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: As an expat with no US address, can I move my 401k?
Replies: 18
Views: 2114

Re: As an expat with no US address, can I move my 401k?

I have used Schwab for years for both investing and banking. I always opt for electronic everything/paper nothing and never get a single piece of mail from them. They love to save paper and postage. It's hard to imagine Schwab ever doing anything to verify where your actual corpus is in the world. T...
by Sagefemme
Sat Apr 14, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand my 401K
Replies: 11
Views: 1514

Re: Trying to understand my 401K

Thank you all for helpful replies. I did a bit of arithmetic and found the company match (just going by my Fidelity statements and dividing the employer match for all of 2016 and 2017 by my salary) is 6%. I'll verify that with the plan administrator. I have been at this company (company A) twice, 19...
by Sagefemme
Sat Apr 14, 2018 1:52 am
Forum: Investing - Help with Personal Investments
Topic: Trying to understand my 401K
Replies: 11
Views: 1514

Trying to understand my 401K

I'm embarrassed to admit that I'm closely reading the Summary Plan Description for my employer's 401k plan for the first time. I've only been employed there since 1996 :? :? ........ I'm finding it a bit confusing. It is titled Summary Plan Description for XYZ Company, PC, Section 401k Profit Sharin...
by Sagefemme
Sat Mar 31, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree looking for investment advice
Replies: 15
Views: 2256

Re: Retiree looking for investment advice

Averse. But knowing there is a similar, slightly different word, is 90% of the battle :happy

I'm an editor at heart, can't help it. Showing my age, I think.
by Sagefemme
Mon Mar 26, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Question for physicians-- is my taking call worth it?
Replies: 61
Views: 7231

Re: Question for physicians-- is my taking call worth it?

I think with the statement "that week is hell," you have already answered your own question. Maybe, if you could split your call time with someone else (one week every 4 months), it would become more tolerable. But if your week still felt like hell when taken every 4 months, sounds like an overall l...
by Sagefemme
Mon Mar 26, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Buying a two family “investment” home
Replies: 33
Views: 3044

Re: Buying a two family “investment” home

I have ruminated quite a bit on the same idea as RRAAYY3, i.e., why not make real estate investments in addition to being invested in the stock market?? It makes so much sense in some ways. However, after spending a fair amount of time on the website/forum that Archimedes mentions, Bigger Pockets, I...
by Sagefemme
Thu Mar 22, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 11487

Re: Losing friends/family when wealthy

I'm curious, what type of generosity are you talking about that you have shown to others? Might you have offended someone with that generosity?
by Sagefemme
Tue Mar 20, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 6153

Re: New Subaru Outback vs. used Volvo XC-70

I had no idea my Outback is supposed to have uncomfortable seats!! I never noticed it. When we bought this car we asked our trusted mechanic about the vehicles we were considering--a Volvo wagon of some sort (I forget the model), Volkswagon Jetta, or the Outback. He said if you want to see a lot of ...
by Sagefemme
Tue Mar 20, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 4144

Re: Cookware Brands - Demeyere?

Sur la Table is having a cookware sale now and is a good retailer for Demeyer (should have whatever you are wanting). I never buy sets of cookware--inevitably a few pieces get used constantly and others almost never.
by Sagefemme
Tue Mar 20, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Kettlebell Swing experience?
Replies: 50
Views: 4918

Re: Kettlebell Swing experience?

I think kettlebells are great, and do work the whole body especially the core when swinging a heavy bell. But I learned proper technique in a class with instruction. Most people are not swinging it correctly at all when then first pick one up. It would be easy not to get much out of it (at best) or ...
by Sagefemme
Mon Mar 19, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: About to make "catch-up" IRA contribution for the first time
Replies: 12
Views: 875

Re: About to make "catch-up" IRA contribution for the first time

I have no HSA.

Now I finally have actual data: Looking at my W2, Box 12 says D--17,568.84. On my husband's W2 box 12 says E--24,000. So I guess he has contributed the max, and I have not. Who is supposed to make my contributions come out to a round $18,000? Probably me and I failed!
by Sagefemme
Mon Mar 19, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: About to make "catch-up" IRA contribution for the first time
Replies: 12
Views: 875

Re: About to make "catch-up" IRA contribution for the first time

See, I knew I knew nothing about this. Thank goodness for y'all.

dknightd, no we have not maxed out, we have contributed 18,500 each in deferrals. Are you saying the $6500 goes into 401K? Now I'm really confused.
by Sagefemme
Mon Mar 19, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: About to make "catch-up" IRA contribution for the first time
Replies: 12
Views: 875

About to make "catch-up" IRA contribution for the first time

I am clueless about how to do this. My husband and I contribute the max of our annual incomes to our respective employer-sponsored 401k accounts. We have never made catch-up IRA contributions but I think it's a good idea for 2017. We are both 57. I have a rollover IRA already at Charles Schwab. Do I...
by Sagefemme
Sat Mar 17, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Helping 20yr old son set up Roth
Replies: 27
Views: 2513

Re: Helping 20yr old son set up Roth

I am trying to help my two kids (22 and 24) to open Roth IRAs this year. We are partway through the process at Charles Schwab. I have a portfolio there and have always been impressed with the customer service. However the setting up phase is a bit nightmarish--it seems they don't want you to have a ...
by Sagefemme
Sat Mar 17, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Jettison the financial advisors
Replies: 38
Views: 4257

Re: Jettison the financial advisors

Yes livesoft, I will wait and see what happens. My funds are at Schwab too; with luck they will continue to reinvest dividends as the FA had been doing.
by Sagefemme
Fri Mar 16, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Jettison the financial advisors
Replies: 38
Views: 4257

Re: Jettison the financial advisors

pascalwager, I interpreted what Rick Ferri wrote to mean I can't reivest dividends. Sounds like you are able to reinvest dividends. Mine is a taxable account. May I ask where your accounts are housed?
by Sagefemme
Fri Mar 16, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Jettison the financial advisors
Replies: 38
Views: 4257

Re: Jettison the financial advisors

After an initial shiver of fear when I read the first batch of responses (don't rush, take your time, maybe it's best to stay with FA, etc) I decided not to retract my email to the FA that said "I'm going solo." They have confirmed that they are simply removing themselves from the management positio...
by Sagefemme
Tue Mar 13, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Jettison the financial advisors
Replies: 38
Views: 4257

Re: Jettison the financial advisors

A few other thoughts: 123, yes thank you for the advice about the value of the portfolio on the day my mom died. I do have that number as I needed it for the estate tax return. mhadden1, I dearly wish I knew what alpha mojo is. Alas, I am old and out of touch. I think it must be good, though :happy ...
by Sagefemme
Tue Mar 13, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Jettison the financial advisors
Replies: 38
Views: 4257

Re: Jettison the financial advisors

Thanks to ALL of you who replied. I'm amazed and impressed by the collective knowledge on this forum. I didn't expect anyone to say anything other than "dump the FA." I was so sure that 1% fees was a deal breaker, and I needed to get free, that I already initiated the process! Here is the email I go...
by Sagefemme
Mon Mar 12, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Jettison the financial advisors
Replies: 38
Views: 4257

Jettison the financial advisors

My first post! I am finally extricating myself from the fees of financial management. I know it's the right thing to do. The portfolio in question is at Schwab and I inherited it from my mom when she died in 2015. The FA is the firm she and my dad used forever, in the town where I grew up. My mom th...