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Sagefemme

FWIW, I got a bed (The Culla Spindle) from Article. For the price (it was about 25% less than similar beds I saw online) the quality is great. Solid as a rock. Shipped beautifully, nothing scratched, broken, or missing, good assembly instructions. My daughter has a small sofa from Article which also...

Sagefemme

I prefer water flossing to flossing with a string, but my hygienist recommends both. I try to do string flossing in the morning and water flossing before bed.

Sagefemme

seity, will you share the technique you were taught? I don't know what the numbers are but my dial is set about halfway between min and max. I have turned it up higher but found somehow at the higher pressure I lost my grip on the handle easily. As some of you may have found out, two things happen w...

Sagefemme

I have been to all the islands of Hawaii; each has its charms. I just got back a few days ago from O'ahu. Stayed in a darling older bungalow (Air BnB) in a cute neighborhood walkable to Queen's beach, Diamond Head, and Waikiki. I really like the big city options of Honolulu (had some terrific food) ...

Sagefemme

I have two rollerboards from Briggs and Riley. I bought them, very discounted, on Sierra Trading Post about 20 years ago. At the time I didn't know what B and R was. Now I understand what excellent luggage is. These two bags have been on hundreds of trips. They have been tossed around by the airline...

Sagefemme

I am a nurse practitioner who assists at surgery (my employer is a reproductive endocrinologist and we do surgery one day per week, at an outpatient surgery center for straightforward laparoscopies, and at the main hospital for more complex cases). I don't see why a GI procedure like a colonoscopy s...

Sagefemme

bironology wrote: ↑Fri Nov 23, 2018 7:27 am Rick, duly noted, thanks for that advice. I agree autopay and account alerts are the way to go. Also noted on the predator risk. Not happening on my watch! I also will have PoA for my mom, in advance of when it's required. It can be a challenge to head of...

Sagefemme

I recommend fleshing out in your head all the steps involved if you were to move to New York, not find work, and end up moving back to Seattle. If that would be disastrous for you, emotionally, financially, or logistically, then don't go until you have a job secured. If your evaluation of the worst ...

Sagefemme

I have the same problem at Fidelity. Two accounts with zero balances from an employer I haven't worked for since 2008. I gave up trying to get Fidelity to delete the accounts and just opted in my settings to hide them. They are still there, but they don't bother me any more.

Sagefemme

You have gotten a lot of good advice. I can only add that if you are frugle there is a wealth of used baby items, clothes, etc available through many channels, friends, family, facebook/craigslist/etc. Not overspending on all of the items you think you need and buying used for as many items as poss...

Sagefemme

Livesoft wrote: So sell Loomis Sayles today and let the money go to settlement fund (i.e. cash). Both are fixed income. Do not use the cash to buy a different bond fund in taxable. After today, you can decide what the next step should be. I have a good idea of what it might be, but I'll let you thi...

Sagefemme

Bought the house in 1996 with a 30 year fixed. Refinanced for better rate on a 15 year fixed in 2002. Paid the usual amount every month for 15 years. I paid so little attention to the mortgage (direct withdrawal from bank account monthly) that it took me by surprise when I realized our last payment ...

Sagefemme

Why not Costa Rica? I've had two great trips there that were pretty economical, because my sister and I agreed we would prefer non-resort type accommodations, which tend to be cheaper than resorts and you feel like you are actually experiencing the country as opposed to some manicured generic surrou...

Sagefemme

Citygal, this post will get more attention if it is moved to the Personal Finance (not investing) subforum. I think if you use the exclamation point at the top a moderator can move it to the appropriate subforum.

Sagefemme

Well, I'm pretty new here, although not new to downturns because I've had retirement savings since 1984. In 2008, even though I had non-trivial amounts of assets in a 401K, I paid almost no attention to my own accounts during all the "carnage." I am just not much of a worrier in general. In 2018 how...

Sagefemme

DH and I spent a week in Death Valley two years ago in late March. The temperatures were perfect--in the 70s and low 80s, very dry of course, and great for hiking. However it was so windy the first night we literally could not set up our tent. It kept getting blown flat to the ground. So we slept th...

Sagefemme

Thanks, all, for this. I can probably work out when Double Line was added; employees get an email when the offerings change. I'll continue my enquiries with the local financial advisors by pointing out what Cuda said--not an apples to apples comparison between DBFLX (containing junk) and VBTLX (no j...

Sagefemme

Thank you!! I had not noticed the difference in bond ratings held in each fund. Great point and gives me some fuel for pushing for a bond index.

Sagefemme

My employer 401 K plan is at Fidelity. It's pretty light on index funds. In particular there is no bond index fund. The bond fund choices are: American Century Inflation Adjusted Bond Fund Investor Class (ACITX) 0.47% BlackRock High Yield Bond Portfolio Class K (BRHYX) 0.54% BlackRock Strategic Inco...

Sagefemme

I'm actually not entirely sure. My understanding is that you should be able to add to existing positions, but I could very well be incorrect. If that's the case, I probably would replace all of the DFA funds with Vanguard Total Stock Market ETF (VTI) and adjust the mix in the tax-deferred accounts ...

Sagefemme

perfect! The free trades doesn't show up on your screen, but you will see it just before execution as 0.00 in fees/charges. They are very good about honoring that, but I too saved the chat record. I agree with knocking off the high Loomis today and get a taste of transactions (including settlement ...

Sagefemme

Wed Sep 26, 2018 10:44 am vineviz wrote: ↑Wed Sep 26, 2018 7:40 am Here's what I'd do. Her Taxable Account at Schwab 21.74 % of total invested funds 7% DFSCX (DFA US MICRO CAP PORT INSTL) 4.86% 0.52% 1.12 7% DTMIX (DFA TAX MANAGED INTL VALUE) 1.9% 0.53% 0.38 8% DFGBX (DFA FIVE YEAR GLBL FIXED INCOME...

Sagefemme

Depends on whether Schwab received the basis accurately from the previous holding company, or was it always with Schwab? Hopefully this was recorded as the basis on date of death for step-up, but check with Schwab to be sure. Also, you can look up the NAV on that date to reconfirm. It gets tricky w...

Sagefemme

Here's what I'd do. Her Taxable Account at Schwab 21.74 % of total invested funds 7% DFSCX (DFA US MICRO CAP PORT INSTL) 4.86% 0.52% 1.12 7% DTMIX (DFA TAX MANAGED INTL VALUE) 1.9% 0.53% 0.38 8% DFGBX (DFA FIVE YEAR GLBL FIXED INCOME) 5.27% 0.27% 1.10 His 401K TIAA_CREF 29.49 % of total invested fu...

Sagefemme

An important piece to understand before you simplify your taxable account is what is the stepped-up basis from time of inheritance to now. This will help in determining how much cap gains you will realize due to this, and if there are cap losses you can harvest. This will add to your tax burden, an...

Sagefemme

I am finally ready to do some simplifying, especially in my taxable account, now that the financial advisors are out of the picture. I would love some guidance. To recap my situation, I inherited a taxable account when my mom died in 2015. It is mostly in DFA funds that were chosen and managed by th...

Sagefemme

My sister needed 9 extractions and 11 implants. No insurance and no savings. She spent about a year researching "medical tourism" and eventually went to Costa Rica twice for the work. I went with her as I speak Spanish passably well, although this oral surgeon spoke perfect English, as did the resto...

Sagefemme

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...

Sagefemme

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...

Sagefemme

Local community college, many have classes for non-matriculated students of all ages.

Sagefemme

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 ...

Sagefemme

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.

Sagefemme

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...

Sagefemme

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. ...

Sagefemme

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.

Sagefemme

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...

Sagefemme

Whoops, didn't see this was posted yesterday!! I guess I'll read those replies.....

Sagefemme

[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 ...

Sagefemme

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?

Sagefemme

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...

Sagefemme

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..........

Sagefemme

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...

Sagefemme

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....

Sagefemme

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

Sagefemme

Do I need to bump this after editing to get it to the top of the heap?

Sagefemme

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.

Sagefemme

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!!

Sagefemme

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...

Sagefemme

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.

Sagefemme

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...

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