Search found 15 matches

by bwatts849
Fri Oct 18, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: selling house, should we put in sod to replace ugly lawn?
Replies: 33
Views: 2161

selling house, should we put in sod to replace ugly lawn?

Daughter is selling house in the next 6-12 months. They know and "trust" a realtor, who will likely manage the sale. The lawn is "tidy", with clean edges and mowed, but it is in bad condition: 10+ weeds, dead areas, broccoli head texture, etc. It actually looks OK from a short distance, and doesn't ...
by bwatts849
Sat Jun 15, 2019 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: what type of term life insurance
Replies: 12
Views: 1060

Re: what type of term life insurance

Tx all respondents. Megabad, good point. The have minimal savings, any nest egg was applied to home purchase 2 yrs ago. About whether they will "accept advice" --- not sure. They are both very smart, but there can be denial about need for life insurance. Interestingly, our chapter meeting next week ...
by bwatts849
Fri Jun 14, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: what type of term life insurance
Replies: 12
Views: 1060

Re: what type of term life insurance

Thank you all respondents. Very helpful.

Good points ReaserchMed, suggesting almost a "ladder" approach.

All answers suggested separate policies for each parent, which sounds logical.
by bwatts849
Thu Jun 13, 2019 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: what type of term life insurance
Replies: 12
Views: 1060

what type of term life insurance

My daughter (35) and son-in-law (40) have good jobs (combined income $330K), but are relying on their "employee life insurance plan" for their life insurance. My daughter says her death benefit is $250,000, and I believe my son-in-law is about the same --- or less. They think they have their life in...
by bwatts849
Tue Mar 05, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 9200

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Congratulations on trying to learn Spanish. I am 70, and have been trying to learn for 10 yrs. A university nearby to me offers a program for seniors to audit any course for free. I did this for intermediate Spanish (Spanish for majors). It was fast and hard, and students were very committed. The cl...
by bwatts849
Sun Feb 24, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: IRS "tax refund" for $53 - but we haven't filed yet
Replies: 58
Views: 6979

Re: IRS "tax refund" for $53 - but we haven't filed yet

The IRS has a publication on fraudulent electronic deposits:

Scam Alert: IRS Urges Taxpayers to Watch Out for Erroneous Refunds; Beware of Fake Calls to Return Money to a Collection Agency.

Good luck. This smells like a scam.
by bwatts849
Wed Feb 20, 2019 9:58 am
Forum: Personal Investments
Topic: Portfolio check-up
Replies: 2
Views: 424

Re: Portfolio check-up

Extreme thanks, inverter, for your helpful responses. It gives me peace of mind. Like I say, I have spotty knowledge, and tend to muddle through.
by bwatts849
Tue Feb 19, 2019 2:43 pm
Forum: Personal Investments
Topic: Portfolio check-up
Replies: 2
Views: 424

Portfolio check-up

Deleted.
by bwatts849
Wed Feb 13, 2019 8:05 pm
Forum: Personal Investments
Topic: Advice on our portfolio
Replies: 2
Views: 444

Advice on our portfolio

This is an edited post
by bwatts849
Tue Jan 15, 2019 12:45 am
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 138
Views: 35056

Re: Seattle Area Chapter Meetings - Master Thread

Can't make it this Fri. Will continue to follow for the next meeting. Bill (newbie)
by bwatts849
Sun Dec 16, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6636

Re: Should I buy a Tesla?

No. No. No.

$$ High end maintenance, $$ collision insurance, constant fear of minor scratches, very expensive repairs, major let-down (remorse) after you buy it.

It is not worth it. Wait 'til your 2nd childhood (age 60).
by bwatts849
Sat Dec 15, 2018 12:18 am
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 138
Views: 35056

Re: Seattle Area Chapter Meetings - Master Thread

I'm new to Bogleheads as of 2 days ago. I am interested in meeting other Bogleheads in Seattle/Bellevue. I will cont. to lurk about forthcoming meetings. Bill
by bwatts849
Fri Dec 14, 2018 11:52 pm
Forum: Personal Investments
Topic: Why I use Roth for bond instead of stock. Please correct me...
Replies: 54
Views: 4657

Re: Why I use Roth for bond instead of stock. Please correct me...

You may find this article intriguing: https://www.whitecoatinvestor.com/asset-location-bonds-go-in-taxable/ Some comments about that. 1. The comparison is not using bonds with the same risk profile in tax-qualified and taxable spaces. Muni bonds have call provisions which will reduce return. Some o...
by bwatts849
Wed Dec 12, 2018 8:48 pm
Forum: Personal Investments
Topic: Why I use Roth for bond instead of stock. Please correct me...
Replies: 54
Views: 4657

Re: Why I use Roth for bond instead of stock. Please correct me...

I am 69 and retired. Wife is 64, and she will likely live to age 95. My Roth is !00% equities, because we don't need it, and it won't be touched until my wife dies, 30 yrs hence. When wife dies, the beneficiaries of the Roth will be grand-kids and great grand-kids, where the mandatory distributions ...