Search found 763 matches

by BarbBrooklyn
Mon Sep 21, 2020 11:05 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 71
Views: 3228

Re: Why buy medical insurance ?

At age 49, my very healthy husband had a crick in his neck. After several days, went to doc, thinking pinched nerve. Doc sent his him to cadio that week (doc couldnt find reason for neck pain, dh's dad died in hisn40s from cardiac illness). Cardio does scan and finds 5.8 mm aortic aneurysm. Go to h...
by BarbBrooklyn
Mon Sep 21, 2020 10:54 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 71
Views: 3228

Re: Why buy medical insurance ?

At age 49, my very healthy husband had a crick in his neck. After several days, went to doc, thinking pinched nerve. Doc sent his him to cadio that week (doc couldnt find reason for neck pain, dh's dad died in hisn40s from cardiac illness). Cardio does scan and finds 5.8 cm aortic aneurysm. Go to ho...
by BarbBrooklyn
Mon Sep 21, 2020 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce - Need Help, California
Replies: 40
Views: 3903

Re: Divorce - Need Help, California

If the financial disagreement part of this has to do with the allocation of stock and bond funds, your dw needs someonebqualified and compassionate to explain what your thinking was, and to encourage her to take this opportunity to take responsibility for her own retirrment planning. Only a Boglehe...
by BarbBrooklyn
Mon Sep 21, 2020 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce - Need Help, California
Replies: 40
Views: 3903

Re: Divorce - Need Help, California

Please find a family practice therapist who works with a divorce mediator. If the financial disagreement part of this has to do with the allocation of stock and bond funds, your dw needs someonebqualified and compassionate to explain what your thinking was, and to encourage her to take this opportun...
by BarbBrooklyn
Mon Sep 21, 2020 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Hospital bill for deceased parent...received 2 years later.
Replies: 63
Views: 5812

Re: Hospital bill for deceased parent...received 2 years later.

Blake7 wrote: Mon Sep 21, 2020 6:31 am Spouses are liable for each other’s debts generally
This NOT true in all states.
by BarbBrooklyn
Sun Sep 20, 2020 11:00 pm
Forum: Investing - Theory, News & General
Topic: Best Books for Complete Beginners
Replies: 20
Views: 1208

Re: Best Books for Complete Beginners

When I got divorced in 1998 and realized I was going to need to understand investing, I spent a day during a day off from work in the "finance" section of a local bookstore. I needed a book that I could understand. After leafing through a bunch, I found this: https://en.m.wikipedia.org/wiki/The_Only...
by BarbBrooklyn
Sun Sep 20, 2020 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Question about moving out of state and in-state tuition for my child in that new state
Replies: 17
Views: 1072

Re: Question about moving out of state and in-state tuition for my child in that new state

You didn't ask this, but I'm going to tell you to have your mom talk to an elder care attorney to set up a "caregiver contract" that sets out the terms of your agreement. If down the road mom needs to move to a care facility and the house needs to be sold for her care, where do you end up? Will you ...
by BarbBrooklyn
Sun Sep 20, 2020 8:50 pm
Forum: Personal Investments
Topic: Rebalancing to 50/50
Replies: 50
Views: 4134

Re: Rebalancing to 50/50

Reading Jane Bryant Quiinn's book "Making Your Money Last in Retirement" gave me insight into sequence of return risk AND introduced me to Bogleheads. I will also mention that a good friend retains a Financial Advisor who teĺls her "my job is to keep you from doing something harmful during a downtu...
by BarbBrooklyn
Sun Sep 20, 2020 2:58 am
Forum: Personal Consumer Issues
Topic: Buying a bed frame..
Replies: 19
Views: 1838

Re: Buying a bed frame..

I know this is an old thread, but we just bought a Thuma bed frame. Wow!

We had a squeaky Malm bed from Ikea and no one was getting any sleep. What a difference.
by BarbBrooklyn
Sat Sep 19, 2020 6:50 pm
Forum: Personal Investments
Topic: Rebalancing to 50/50
Replies: 50
Views: 4134

Re: Rebalancing to 50/50

Reading Jane Bryant Quiinn's book "Making Your Money Last in Retirement" gave me insight into sequence of return risk AND introduced me to Bogleheads. I will also mention that a good friend retains a Financial Advisor who teĺls her "my job is to keep you from doing something harmful during a downtur...
by BarbBrooklyn
Sat Sep 19, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: bought upright Steinway "festival piano" sight unseen
Replies: 12
Views: 1246

Re: bought upright Steinway "festival piano" sight unseen

Before I spent that kind of money on an acoustic piano, I'd buy a good electric model at Costco, especially with a 2 year old at home.

See if you all get back into playing before letting go of that kind of money.
by BarbBrooklyn
Sat Sep 19, 2020 12:08 pm
Forum: Personal Investments
Topic: Rebalancing to 50/50
Replies: 50
Views: 4134

Re: Rebalancing to 50/50

You know how they say that past performance is not guarantee of future returns? I've modified that to "my past risk tolerance has no bearing on my future risk tolerance". As I approached retirement 2 years ago, I realized that the greatest risk I faced was a poor sequence of returns early in retirem...
by BarbBrooklyn
Sat Sep 19, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Cats and Sunbrella-covered sofas
Replies: 12
Views: 888

Re: Cats and Sunbrella-covered sofas

I bought a couch in 2002 when I bought this apartment. Lost it to bedbugs in 2015. Did without for a few months and then bough a neighbor's used Conran couch for $200. The cats apparently find the velvet attractive. They don't touch the microsuede recliner next to it. Just wondering if anyone has ex...
by BarbBrooklyn
Sat Sep 19, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: Cats and Sunbrella-covered sofas
Replies: 12
Views: 888

Re: Cats and Sunbrella-covered sofas

We have scratching posts all over. They still scratch the couch
by BarbBrooklyn
Sat Sep 19, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Cats and Sunbrella-covered sofas
Replies: 12
Views: 888

Cats and Sunbrella-covered sofas

Does anyone have any experience with clawing cats and Sunbrella sofas?

I have 3 cats, all of whom are clawers and have torn up my older velvet couch.
by BarbBrooklyn
Sat Sep 19, 2020 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Elder abuse? Elderly woman sold home for far less than market value
Replies: 50
Views: 4781

Re: Elder abuse? Elderly woman sold home for far less than market value

Selling the house for below market value will have an impact if she needs Medicaid to cover Nursing Home costs in the next 5 years. Unless she is very wealthy and can self pay the 10-12 k per month for that length of time, or has good LTCI, she is going to have difficulties because of the 5 year loo...
by BarbBrooklyn
Thu Sep 17, 2020 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for mother-in-law
Replies: 20
Views: 1753

Re: Advice for mother-in-law

Just to add; I have a good friend and an ex DH both with stage 4 cancers, The first has been on oral chemo for going on 6 years now; the ex for about 3. Before you make any financial assumptions, you need to get a bead on what the docs are saying about prognosis AND you want to make sure that her me...
by BarbBrooklyn
Thu Sep 17, 2020 7:22 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 462
Views: 82504

Re: Good Modern Science Fiction

roymeo wrote: Sun Sep 07, 2014 5:54 pm Everything I've read by Octavia Butler has been great. I've also enjoyed the big, epic (and possibly Space Opera, but generally harder sci-fi than Star Wars type space fantasy) stories of Dan Simmons, Alastair Reynolds, and Peter F. Hamilton.
Second Octavia Butler. Great writing!
by BarbBrooklyn
Tue Sep 15, 2020 3:51 pm
Forum: Personal Consumer Issues
Topic: Caretaker for parents?
Replies: 46
Views: 2774

Re: Caretaker for parents?

An interesting thread, because we're dealing with related issues. My elderly Dad (who lives several hours away) currently needs 24x7 care. My sister is mostly running the show and doesn't really listen to me. Not surprisingly, since she's the most responsible, skilled in these things, is retired, a...
by BarbBrooklyn
Tue Sep 15, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: Mother passed away - lots of questions
Replies: 5
Views: 1031

Re: Mother passed away - lots of questions

Im so sorry for your loss, Shackleton.

Although no trust, my mom was a lifelong resident of NYS except for the last 5 years of her life, spent in CT facilities. We needed to hire an attorney admitted to practice in CT to do probate.
by BarbBrooklyn
Tue Sep 15, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Caretaker for parents?
Replies: 46
Views: 2774

Re: Caretaker for parents?

So, to follow up (and this is NOT medical advice; this is very much financially actionable, because there was no way that I or either of my siblings could quit our jobs to care for mom)... My mom started to become increasingly...worried and anxious about everything around the time she got to her lat...
by BarbBrooklyn
Tue Sep 15, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: Caretaker for parents?
Replies: 46
Views: 2774

Re: Caretaker for parents?

One more thing. In managing my mom's dementia, the best treatment, explanations and support we got came from a series of geriatric psychiatrists. I would get one on the "team" from the outset. This is NOT medical advice. We would have saved a TON of mom's money spent on a very ill-advised placement ...
by BarbBrooklyn
Tue Sep 15, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: Buying a car?
Replies: 25
Views: 1998

Re: Buying a car?

Comprehensive coverage generally covers windshield replacement; at least mine does. Another reason to ascertain the coverage. So, if your vehicle got broken into and something more valuable than the deductable (another queation to ask) got stolen, if there was reimbursement from insurance, do you th...
by BarbBrooklyn
Tue Sep 15, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Buying a car?
Replies: 25
Views: 1998

Re: Buying a car?

I assume that your parents paid for college because they felt an obligation to lauch you into self-sufficiency and because they were able to do so without damaging themselves financially. I assume they gave you a car because they are proud of your amazing financial accomplishments and want to reward...
by BarbBrooklyn
Tue Sep 15, 2020 10:06 am
Forum: Personal Consumer Issues
Topic: Caretaker for parents?
Replies: 46
Views: 2774

Re: Caretaker for parents?

Www.agingcare.com is a wonderful caregiving website. See an elder care attorney to set up a fully vetted caregiver agreement before accepting any compensation. Read Atul Gawande "On Being Mortal". The one situation I observed where an adult child moved in to care for two ill parents ended badly. Adu...
by BarbBrooklyn
Mon Sep 14, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Financial Elder Abuse/Neglect/Inheritance Theft - lawsuit or mediation?
Replies: 71
Views: 5924

Re: Financial Elder Abuse/Neglect/Inheritance Theft - lawsuit or mediation?

I would retain the most bull-dogged lawyer I could find.

AND I would press criminal charges.
by BarbBrooklyn
Mon Sep 14, 2020 1:25 am
Forum: Personal Consumer Issues
Topic: Buying a car?
Replies: 25
Views: 1998

Re: Buying a car?

Fung, You have been gifted a great car. Look up the online reviews! In your shoes, since you are under 25, the cost if insurance would be my MAIN concern. I wonder if perhaps your parents are trying to discourage your buying a new car with the insurance issue. If you are serious about living below y...
by BarbBrooklyn
Sun Sep 13, 2020 7:28 am
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn, stock allocation before / after retirement
Replies: 40
Views: 6249

Re: Jane Bryant Quinn, stock allocation before / after retirement

Appreciate everyone's feedback and references to further discussions. I'm aware these decisions are based on individual circumstances, as well as market conditions toward being closer to retirement. I'm 58, don't really plan on retiring or taking social security until age 70, but that's only a deca...
by BarbBrooklyn
Sat Sep 12, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: Closing disclosure 3 day rule non compliance
Replies: 19
Views: 1837

Re: Closing disclosure 3 day rule non compliance

That's exactly why my lawyer adviced for some purchase or refi. As long as they are not changing the TERMS of the loan, you are talking about a small amount of money. The reason I pay for an attorney to sit with me or be on speed-dial during closing is just so I can ask "Can I sign this?". "Is this ...
by BarbBrooklyn
Sat Sep 12, 2020 7:10 am
Forum: Personal Consumer Issues
Topic: Closing disclosure 3 day rule non compliance
Replies: 19
Views: 1837

Re: Closing disclosure 3 day rule non compliance

This from the CFPB:

https://www.consumerfinance.gov/policy- ... -unlikely/

It looks like the numbers are allowed to change up until the day before closing. And this has been my experience through 2 mortgages and 4 or five refis.
by BarbBrooklyn
Wed Sep 09, 2020 5:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8835
Views: 698328

Re: U.S. stocks continue to soar!

jason2459 wrote: Wed Sep 09, 2020 4:29 pm
UpperNwGuy wrote: Wed Sep 09, 2020 3:40 pm What does it all mean?
The answer is 42.
Correct.
by BarbBrooklyn
Mon Sep 07, 2020 7:32 pm
Forum: Personal Investments
Topic: Wife is "forcing" me to buy stock(s)
Replies: 112
Views: 8711

Re: Wife is "forcing" me to buy stock(s)

Do you guys ever do cruises? With some cruise line stocks, you get some sort of perk if you hold 100 shares of the line's stock. They are al pretty cheap right now... That's what my wife did. Put $3k into NCLH in March when it fell from the 50's to $20. Got in a little early as it subsequently went...
by BarbBrooklyn
Sun Sep 06, 2020 2:57 am
Forum: Personal Investments
Topic: Wife is "forcing" me to buy stock(s)
Replies: 112
Views: 8711

Re: Wife is "forcing" me to buy stock(s)

Do you guys ever do cruises?

With some cruise line stocks, you get some sort of perk if you hold 100 shares of the line's stock. They are al pretty cheap right now...
by BarbBrooklyn
Fri Sep 04, 2020 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter almost ready to launch into professional life
Replies: 45
Views: 4184

Re: Daughter almost ready to launch into professional life

Find out what retirement savings option are available at her new employer and take full advantage of them. +1. This. And put an additional 5-10% into an EF, later Roth, later taxable brokerage. AFTER maxing the tax deferred space. Have her read "If you can" https://www.bogleheads.org/forum/viewtopi...
by BarbBrooklyn
Fri Sep 04, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: How much to take down this tree?
Replies: 71
Views: 5276

Re: How much to take down this tree?

atikovi wrote: Thu Sep 03, 2020 6:21 am Not sure where people see power lines in that picture. There is no power connected to the garage. Don't plywood sheets weigh like 50 pounds?
To my eye, the branches are entangled or at least closr to a power line.
by BarbBrooklyn
Fri Sep 04, 2020 3:19 pm
Forum: Investing - Theory, News & General
Topic: Why should I be investing in a down or downing market for retirement?
Replies: 37
Views: 3096

Re: Why should I be investing in a down or downing market for retirement?

1. I don't know when the market will go up, down or sideways 2. My asset allocation solved for this at 30 and will solve for it at 70... y'know, assuming great point. and one that is much clearer a propostition at younger age, but if you are like my father at 70 who needs growth, murkier situation....
by BarbBrooklyn
Fri Sep 04, 2020 12:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20166
Views: 2753329

Re: U.S. stocks in free fall

Doom&Gloom wrote: Fri Sep 04, 2020 11:43 am
BarbBrooklyn wrote: Fri Sep 04, 2020 10:05 am October came early this year.
It's Swoontember!
:beer :beer :beer
by BarbBrooklyn
Fri Sep 04, 2020 10:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20166
Views: 2753329

Re: U.S. stocks in free fall

October came early this year.
by BarbBrooklyn
Fri Sep 04, 2020 9:13 am
Forum: Investing - Theory, News & General
Topic: Assessing your investment behavior during the pandemic
Replies: 35
Views: 2151

Re: Assessing your investment behavior during the pandemic

Good: (retired) Stayed the course at 30/70. (Now at 34/66 due to gains) Neutral: Bought 2 individual stocks near the bottom. One has recovered. One is starting to edge up. Both companies I believe in. I have never owned individual sticks before and will not buy more. Bad: Bought a 25 lb. bag of rice...
by BarbBrooklyn
Tue Sep 01, 2020 7:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8835
Views: 698328

Re: U.S. stocks continue to soar!

Where is that guy who said it would take years before we would get to page 170 on the "Soaring" page? Having said that, Im sure there are some bumps ahead. Hate to sound old but I gradated from college into the morass of 1975. Saw 1987, 2000/01, 2009 and retired Dec 1, 2018. Somehow, the market alw...
by BarbBrooklyn
Sun Aug 30, 2020 6:10 pm
Forum: Personal Consumer Issues
Topic: replacement car key and fob
Replies: 23
Views: 1517

Re: replacement car key and fob

I lost the key to my 2012 Honda Fit last winter while wrastling 2 yo granddaugter in the snow...long story short, we tried Ace Hardware who didnt have the correct blank. The referred us to a local specialty locksmith who had the equipement to reprogram a fob. Cost us about $230 as opposed to the $40...
by BarbBrooklyn
Mon Aug 24, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16306

Re: Do you talk to your friends/family/coworkers about this stuff?

When I started working at babysitting (I was 11), my mom told me that it was important to always save 10% of whatever I made. Because kind, smart and older colleagues told me to do so, I stuffed as much as I could into my 403B. I passed that advice onto younger colleagues and told them about the adv...
by BarbBrooklyn
Mon Aug 24, 2020 8:32 am
Forum: Personal Consumer Issues
Topic: Home inspection; Brooklyn specific but general advice sought
Replies: 7
Views: 782

Re: Home inspection; Brooklyn specific but general advice sought

Thanks so much for all the wisdom, which I have forwarded to my daughter.
by BarbBrooklyn
Mon Aug 24, 2020 2:57 am
Forum: Personal Finance (Not Investing)
Topic: Want to write a will, having trouble finding an attorney
Replies: 45
Views: 2883

Re: Want to write a will, having trouble finding an attorney

Mandy, I think you are misinterpreting what the lawyer said. He's asking you to wait until next week to see if your city goes into a reopening phase that will allow an in person meeting.
by BarbBrooklyn
Sat Aug 22, 2020 5:44 pm
Forum: Personal Consumer Issues
Topic: Home inspection; Brooklyn specific but general advice sought
Replies: 7
Views: 782

Home inspection; Brooklyn specific but general advice sought

My daughter is house hunting in Brooklyn and looking at homes that are mostly 100+ years old. I've talked to her about the importance of a good, independent home inspection (independent of either RE agent) and especially getting a roof inspection if there have been renovations (there are an awful lo...
by BarbBrooklyn
Fri Aug 21, 2020 7:28 am
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7136

Re: new car purchase: any reason NOT to do 0% financing

Did your credit score take any kind of hit with taking out the PenFed loan? Following your strategy... Not sure. I doubt it. Immaterial to me however. I will say they are GREAT to work with. I did the app online and had not heard anything the next day so I called. They said my credit had a freeze o...
by BarbBrooklyn
Fri Aug 21, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7136

Re: new car purchase: any reason NOT to do 0% financing

Did your credit score take any kind of hit with taking out the PenFed loan? Following your strategy...
by BarbBrooklyn
Thu Aug 20, 2020 11:21 pm
Forum: Investing - Theory, News & General
Topic: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST
Replies: 687
Views: 21854

Re: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST

I missed that THIS was the official entry point. My prediction was on Jan1 2020 is still 3425. B