Search found 23 matches

by Sailorgirl
Thu Nov 14, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Calls Right After Death
Replies: 35
Views: 2885

Re: Collection Calls Right After Death

Just in the last few days my husband and I have been contacted by many people who are reporting to be people they are not. Especially those who are bold enough to leave a voice message. I had two calls claiming that I needed to contact them regarding a “warranty”. Yesterday my husband had a call fro...
by Sailorgirl
Wed Sep 25, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Solar panel advice & experiences
Replies: 64
Views: 3034

Re: Solar panel advice & experiences

I would wait a few years and see what changes a possible new climate friendly government brings for individual small panel installations. The cost of utility size solar is decreasing so fast that this appears to be the wave of the future especially combined with battery storage technology. Everyone ...
by Sailorgirl
Sat Sep 07, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: LLC, S Corp or C Corp
Replies: 5
Views: 534

LLC, S Corp or C Corp

My DH retired at 67 from his Mega Corp company after nearly 25 years on June 28. He has been asked if he would like to do some consulting, possibly a 4-6 month gig. We would like to be able to write off business associated expenses (new phones, computer, office furniture, and other general business ...
by Sailorgirl
Sat Aug 31, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Florida Home Insurance Offsets Tax Advantage?
Replies: 28
Views: 2273

Re: Florida Home Insurance Offsets Tax Advantage?

I live on the east coast of Florida and have for the last 24 years about 4 miles from the coast. Yesterday morning when I checked the latest track for Dorian my GPS locater had us smack in the center of a cat 4 landing. TG a lot has changed in 24 hours. Your hurricane premium is based on the age of ...
by Sailorgirl
Sun Aug 18, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 7515

Re: Moving from Bay area, CA to Knoxville, TN

Knoxville is a wonderful town. There is a lot to do there. I live in South Florida snd visit my sister and husband often in Knoxville. A lively downtown with great restaurants. Everybody is pretty crazy UT Football. The Tennessee river is more like a lake there. So freshwater boating is big and refr...
by Sailorgirl
Sat Aug 17, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 108
Views: 11989

Re: Do Bogleheads plan to utilize Independent Living facilities?

There are so many factors that one must consider when deciding if an independent care facility is right for you. My parents today are both 93, they were active and still able to maintain there home at 86. Their three adult daughters lived in different cities the closest being a 4 hour drive. Their e...
by Sailorgirl
Fri Aug 09, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Property taxes in Palm Beach County, FL
Replies: 12
Views: 1056

Re: Property taxes in Palm Beach County, FL

R2D2, we are 24-year residents of Palm Beach County, FL; and the tax disparity between homes of similar value is quite significant. Some years ago, the FL Legislature passed a law called "Save our Homes Act". Without getting into the details, its purpose was to prevent property taxes from rising to...
by Sailorgirl
Sat Jul 06, 2019 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly grandparents moving in with parents; what should they plan for?
Replies: 63
Views: 5681

Re: Elderly grandparents moving in with parents; what should they plan for?

My parents are both 93 years old and have similar health issues as your grandparents. All of their children lived in different cities and 7 years ago we had them move to assisted living closer to one of their children. Last summer after many falls we decided that even with drop in help they could no...
by Sailorgirl
Fri Jun 14, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: HELOC Options
Replies: 19
Views: 1663

Re: HELOC Options

I also closed on a HELOC with Third Federal thanks to the people on this board. My prior one with them had not expired at prime plus zero. Quick and easy. Plus no annual fee.
by Sailorgirl
Wed Jun 05, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Purepoint Financial
Replies: 8
Views: 762

Re: Purepoint Financial

Pure Point Financial has an office close to our home. They are in the shopping center of my old primary bank. It did not take much effort to move my money when I compared .07% to 2.8% APR. We have laddered CD’s up to three years out. Which we will draw down beginning in July. There web site is excel...
by Sailorgirl
Wed May 01, 2019 4:31 pm
Forum: Investing - Theory, News & General
Topic: Do I live in a HCOL area?
Replies: 56
Views: 3680

Re: Do I live in a HCOL area?

We are retiring in two months in what some In a HCOL area in South Florida. The largest group of expenses that we have zero control over is insurance. Health, home, auto, boat, flood and umbrella. Our driving and claims record on any insurance is not reflected in premiums. No claims.. Ever.. Both au...
by Sailorgirl
Sat Mar 30, 2019 12:00 pm
Forum: Investing - Theory, News & General
Topic: The real impact of inflation on Retired Folks?
Replies: 101
Views: 8623

Re: The real impact of inflation on Retired Folks?

The older you are the more you are burdened by the cumulative cost of inflation. Somethings can not be substitued like health care. Interesting paper on your SS check’s decling purchasing power. Add RMD’s and down markets during your late 80’s and 90’s your portfolio might not last. https://seniorsl...
by Sailorgirl
Thu Mar 14, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Massive Increase in Long Term Care Insurance for My Parents - Can They?
Replies: 65
Views: 5614

Re: Massive Increase in Long Term Care Insurance for My Parents - Can They?

My parents are 93 dad and 92 mom. Last summer after my mom fell it became necessary to move them to an assisted living facility after living in an independent facility for 6 years. They had exhausted all of their assests including the cash value of life insurance policies. My sisters and our husband...
by Sailorgirl
Thu Mar 07, 2019 5:18 am
Forum: Personal Consumer Issues
Topic: Any liveaboards here?
Replies: 45
Views: 5279

Re: Any liveaboards here?

My DH and I met in college 40 years ago and have had boats most of our adult life. Many of our friends are ⛵️. We enjoy the comradery and sense of adventure that people in this community enjoy. We cruised with friends when our kids were young and spent many fun filled years doing the opti/laser circ...
by Sailorgirl
Thu Jan 31, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Baby Year One Medical Expenses? (HSA/High Ded Plan)
Replies: 26
Views: 1020

Re: Baby Year One Medical Expenses? (HSA/High Ded Plan)

You should not plan on the birth being event free. Your wife should stick to the hospital. There can be many complications during birth for both the mother and baby. The US has the highest maternal mortality rate in the developed world. 8x that of Italy. Infant mortality.. we rank near the bottom in...
by Sailorgirl
Thu Jan 10, 2019 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Social Security question hindsight
Replies: 65
Views: 5257

Re: Social Security question hindsight

I doubt we will hear from those who took SS later and then passed away earlier than expected? Also, unlikely to hear from many who took SS early then lived to a ripe old age(ie late ‘80’s as we have few people that age on the site). Those who do respond are very likely just sticking with their orig...
by Sailorgirl
Thu Dec 20, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Does the national debt affect your investing strategies?
Replies: 21
Views: 1467

Re: Does the national debt affect your investing strategies?

It has not mattered much over the last couple of decades to us mainly because we are new at “managing” our portfolio. now that my DH will be retiring July 1 the deficit and the debt, especially as it pertains to SS snd Medicare, should make all of us worry. The CBO has just published their budget op...
by Sailorgirl
Thu Oct 04, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: When does a stock become a bond before moving back to a stock again
Replies: 47
Views: 2587

Re: When does a stock become a bond before moving back to a stock again

:happy Thank you for all of your thoughtful comments. Am I allowed to name the stock in this forum? I am well aware of all of the typical investment rules but when times are tough Wall Street runs to this company. The company is almost 90 years old. It is a leader in it’s industry and we can not liv...
by Sailorgirl
Thu Oct 04, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: When does a stock become a bond before moving back to a stock again
Replies: 47
Views: 2587

When does a stock become a bond before moving back to a stock again

Trying to set up a large portfolio with many different pots for retirement in 10 months is daunting. Company stock is about 28 percent of our portfolio and a cash basis pension is another 20%. . It is a Fortune 200 stock that is the leader in it’s sector with a beta of 0.00. We have been treating it...
by Sailorgirl
Fri Sep 28, 2018 9:47 pm
Forum: Investing - Theory, News & General
Topic: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement
Replies: 145
Views: 21507

Re: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement

Longevity, Asset Allocation and Safe withdrawl rates are the cornerstone of fanancial planning. Real life causes each of us to agonize and evaluate probable and potential outcomes. My parents 92 and 93 are living examples of distribution tails. My Mother had her first heart bypass surgery at 57 and ...
by Sailorgirl
Sat Sep 22, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: Are We Headed For A Passive Index Meltdown?
Replies: 60
Views: 9706

Re: Are We Headed For A Passive Index Meltdown?

This is my first time posting. I have been following boggleheads for about a year now and have learned so much from posters on this forum. My DH is retiring in 10 months. We are trying hard to get it right. We all know a downturn is coming. None of us know when. Our portfolio is large and tied up in...