Search found 962 matches

by montanagirl
Tue Nov 13, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 18
Views: 2142

Re: why so few 50/50 balanced funds?

28fe6 wrote:
Tue Nov 13, 2018 7:33 am
I also prefer 50/50 but 60/40 is practically the same thing. In my opinion small differences in AA aren't significant, but staying the course definitely is. So even though I would prefer an AA of 50/50, a 60/40 balanced fund is still good for me.
I may as well just put it into Balanced then.
by montanagirl
Mon Nov 12, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 18
Views: 2142

Re: why so few 50/50 balanced funds?

I didn't know that. Gonna love dealing with that at 85.
by montanagirl
Mon Nov 12, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2583

Re: How long have you had, or did you have, your HP-12C calculator?

Never had one but sure miss my TI ba-35. The last one I bought wss larger in a stupid way (flare at the top) and not as reliable.
by montanagirl
Mon Nov 12, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 18
Views: 2142

Re: why so few 50/50 balanced funds?

Vanguard seems to prefer 60/40 or 40/60 funds. You could choose two of those to get to 50/50 (Wellington/Wellesley or LifeStrategy Moderate/Conservative). +1 My aim was to set up continuous RMDs without intervention. Just in case. I would be nice if I could chain them together in desired withdrawal...
by montanagirl
Mon Nov 12, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 18
Views: 2142

why so few 50/50 balanced funds?

My RMDs start next year and I'd like to consolidate total stock, total bond and Wellesley into one fund and just set it on automatic. This is in case I lose the ability to manage the payouts. As long as I'm able, I'll probably take the RMD manually and reinvest part of it, then put it back on automa...
by montanagirl
Tue Oct 23, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25555

Re: PSA: Don't buy a big house

No one has mentioned my wife's objection to two-story foyers/great rooms and open floor plans of these McMansions: The noise is unbearable. Fire up a blender in the kitchen and the folks watching TV in a the great room can't hear the sound—even though it's often a different ZIP code. Same for the c...
by montanagirl
Mon Oct 22, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25555

Re: PSA: Don't buy a big house

We don't have that problem inside, but our 1979 house was built with a tall expansive outside entryway, a hideous fad going around at the time. Our house is a castle! Esp hard to hang Christmas lights or using a ladder without marking up the deck. Also hard to paint though DH got to borrow scaffoldi...
by montanagirl
Wed Oct 17, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: your favorite ereader?
Replies: 28
Views: 1402

Re: your favorite ereader?

I have a Kindle Paperwhite but hate it. I like my old Samsung tablet 7" with Kindle app. It's just too easy to set off various unwanted functions in the Kindle..way over-featured now. Plus with the tablet you get a full color browser, so you can go look up things from the book. Like I was reading ab...
by montanagirl
Tue Oct 16, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11285

Re: What do you consider 'enough'?

About 10 years out from retirement I began increasing 401k withholding, to where my pay was close to my predicted social security. I kept checking and adjusting, delayed filing, so that my SS is close to my old take home pay and my rmd was close to my money from side hustles. Plus with some Roth mon...
by montanagirl
Sun Oct 14, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Online Masters in Education?
Replies: 9
Views: 355

Re: Online Masters in Education?

Has she taught before? I'd wonder if and which school districts accepted a degree like that and from which schools.

That said, I know that plenty of districts accept online credentials for promoting current teachers. Again, which districts? Thousands of districts out there!
by montanagirl
Sat Sep 29, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 10319

Re: Moneytalk with Bob Brinker coming to an end

He is probably the one who got me into Vanguard, though it took awhile to finally make the move. I must have been listening ca 2000, that era, or earlier. Liked his theme music also. Some talkers like Prager just can't seem to get that right. Brinker and everyone else back then recommended GNMA all ...
by montanagirl
Mon Sep 24, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2100

Re: Acoustic Pianos

I have a 40 yo kawai upright and I love it.

Yamahas sound harsh to me. kawai always seems to have a mellower tone but heavier touch.
by montanagirl
Fri Sep 21, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 9474

Re: Delaying Social Security Until 70

I took mine at 69 1/2, mainly because I was still working full time until FRA, and then was still able to work doing this and that until this year. Plus my benefit at FRA was not going to be all that great, due to some dropout years, so waiting put it in the "decent" zone. It would have been nice to...
by montanagirl
Wed Sep 19, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: social security disability
Replies: 13
Views: 1238

Re: social security disability

Yes. Ask around and get one who does a lot of them. It will take awhile but the benefits are retroactive to the filing date so don't delay. If the case is as clear as it seems and he has good medical records, SS may accelerate the process. They did that with a friend who has MS. Question I have is i...
by montanagirl
Tue Sep 18, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Knights of Columbus LTC insurance??
Replies: 2
Views: 380

Knights of Columbus LTC insurance??

A guy just called DH, who has a small life insurance policy with KofC. He apparently filled out a questionnaire and the salesman knows his age and everything (79). This doesn't seem right. Anyway he's on the way out to give his pitch for LTC insurance. I wonder if it's part of some larger policy... ...
by montanagirl
Mon Sep 17, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3559

Re: Equity in house / Do you use it?

Never touch it. We may need it someday, maybe to get into assisted living. But not now.

Fortunately my DH agrees on this policy.
by montanagirl
Sun Sep 16, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1615

Re: delaying claiming SS from age 64 to 70 while not working

It doesn't say what the treatment is if you get an extra few months of delay credit. I filed 6 mo short of age 70, but right now receive the amount I would have gotten had I filed when I turned 69. I *assume* I will get a bump up next year...SSA told me that on the phone once three years ago. :wink...
by montanagirl
Sun Sep 16, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1615

Re: delaying claiming SS from age 64 to 70 while not working

The Social Security website can give you all the information you need https://www.ssa.gov/planners/retire/1943-delay.html It doesn't say what the treatment is if you get an extra few months of delay credit. I filed 6 mo short of age 70, but right now receive the amount I would have gotten had I fil...
by montanagirl
Wed Sep 12, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4348

Re: Subaru Forester - ready to buy

FYI I saw a Forester hit hard on the drivers side in a terrible accident, it flipped and rolled but the driver seemed to be fine.

This was two weeks ago. Had to be some awesome side air bags!
by montanagirl
Thu Aug 23, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - again
Replies: 34
Views: 2798

Re: Umbrella insurance - again

Sounds close to what I was quoted at State Farm.

Can you get umbrella insurance from an insurer other than the one insuring your houses and cars? I assumed it all went together.
by montanagirl
Sat Aug 18, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5163

Re: Your major and investing/finance?

History major, and then law school. But really I got all I needed between a personal finance class and some accounting in undergrad. Learned to use a financial calculator. I remember the finance Prof going off on whole life policies. No way anyone could get talked into one after that reaming! This w...
by montanagirl
Sat Aug 18, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate dropping like a rock in U.K. - can the U.S. be far behind?
Replies: 68
Views: 12388

Re: Real estate dropping like a rock in U.K. - can the U.S. be far behind?

This is just an anecdotal observation, but I am now receiving 3-4 times a week a "WE WILL PAY CASH FOR YOUR HOME" flyer from some outfit... and those always seem to show up with that frequency when the local housing market is about to slow down. :happy They will pay cash alright, but only offer you...
by montanagirl
Wed Aug 15, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Take your canes out in Emerging Markets
Replies: 38
Views: 7098

Re: Take your canes out in Emerging Markets

munemaker wrote:
Wed Aug 15, 2018 8:58 am
I don't know what this means.

Buy the dip.
by montanagirl
Thu Aug 09, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 2157

Re: Anyone familiar with attic fans?

My husband installed attic fans in both our houses. Both draw from a vent on the cool side of the house and exhaust out the sunny side. They come on at abt 93° and keep the living area from building up unbearable heat in the evening. The effect was more dramatic in the first house, my little starter...
by montanagirl
Tue Aug 07, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Is It Really That Difficult to Apply for Social Security Online?
Replies: 13
Views: 1102

Re: Is It Really That Difficult to Apply for Social Security Online?

I applied online for restricted spousal benefit 4 years ago, and this year for my old age benefit and got my decision letter this week. Easy peasy. Just be clear in the additional remarks field about what you are doing. It's not popular to say so, but I think fedgov sites in general are very functio...
by montanagirl
Sat Aug 04, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare benefit letter and delay credits
Replies: 6
Views: 475

Re: Medicare benefit letter and delay credits

Actually i did say 42 months delay credits, not 6, in my application. And I said that the benefit should start in August. Nothing about retroactive.

I'd think they'd say if they were sending me the past 6 months benefit.
by montanagirl
Sat Aug 04, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare benefit letter and delay credits
Replies: 6
Views: 475

Re: Medicare benefit letter and delay credits

It looks like the adjustment will be made in January 2019 (c)When is the increase because of delayed retirement credits effective? - (1)Credits earned after entitlement and before the year of attainment of age 70. If you are entitled to benefits, we examine our records after the end of each calenda...
by montanagirl
Sat Aug 04, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare benefit letter and delay credits
Replies: 6
Views: 475

Medicare benefit letter and delay credits

I decided to file 6 mo short of 70 for my old age benefit and found the decision letter online today. The amount was only .20 from the estimate I got from AnyPIA. The Medicare amount is right, no increase since I was on it before when I was 65 using my own SSN. So that's all good. The letter doesn't...
by montanagirl
Thu Aug 02, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 5037

Re: Which diet soda pop do you enjoy?

Diet Rite peach. Goes surprisingly well with food. Walmart came out with some generic peach pop but it's terrible.

Also Diet 7.

Lately I've been buying Clear American flavored sparking water, which is just diet pop, at Albertsons. Esp like cherry.
by montanagirl
Mon Jul 30, 2018 10:54 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 14518

Re: Tips for staying active / injury-free into older age

Hate to say it but I would advise against serious running, unless you are light and compactly built...even then..

I am 69 and those friends my age who run all developed hip, knee, foot, and even back problems.

My Ortho doc recommended cycling, and only cycling. Road, mountain, spin bike whatever.
by montanagirl
Sun Jul 29, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 8084

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

I'm not so much concerned about how much the estimate is off. In fact, someone told me that the estimate when I applied should be pretty close. What I am concerned about is how long after I submit my application I should expect to hear from them. I applied online when I got a note from SS Admin rem...
by montanagirl
Sat Jul 28, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5585

Re: Why dont people sit outside more? And how to deal with bugs?

I miss the old Shell no pest strips. They seemed to work great.

But I guess they were bad somehow.
by montanagirl
Mon Jul 16, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10355

Re: Why own a bed?

What's with all the "boxsprings"? All I got with my sealy posturepedic was a BOX dressed up to match the mattress. No springs in that thing and little different from the hard floor.

I'd like to get a mattress support with actual springs in it. :annoyed
by montanagirl
Mon Jul 09, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 14402

Re: What are your property taxes?

Missoula county MT:. About 1% of taxable value.
by montanagirl
Fri Jul 06, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7015

Re: Older Women Lifting Weights

I lift very light weights. I'm 69 and seem to be on a permanent plateau. Whenever I've tried to ramp up the pounds, I injure myself usu with tennis elbow. But I think it's kept me from becoming a flabby stoop shouldered old lady. So far. A bit of ankle weight helps with therapy for my knee (quads) t...
by montanagirl
Wed Jul 04, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4663

Re: Will I ever be able to itemize?

I believe one can always itemize even if the standard deduction is larger. There could be cases where one needs to use the same deduction for federal and state, so itemizing less than standard could have higher federal taxes and lower state taxes. Yes. In my state you can itemize even when takin th...
by montanagirl
Tue Jul 03, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Fed survey: 40% of adults cannot cover a $400 emergency expense
Replies: 48
Views: 5333

Re: Fed survey: 40% of adults cannot cover a $400 emergency expense

https://www.theatlantic.com/magazine/archive/2016/05/my-secret-shame/476415/ OP, If you are interested, the above is a good example of how someone ended up that way. It is never about income. KlangFool There is so much stupid in that article, written by self proclaimed imbecile. If that's typical I...
by montanagirl
Mon Jul 02, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 10427

Re: What’s your plan for a market downturn?

Stay the course. I'm 55/45 stocks bonds now and I'm 69.

I have enough in MMkt to get me through tight spots and my SS will begin in September.
by montanagirl
Sun Jul 01, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets in Bear Territory
Replies: 65
Views: 9162

Re: Emerging Markets in Bear Territory

I almost jumped in this year...almost.. :beer
by montanagirl
Wed Jun 27, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: switch Medigap insurers before surgery?
Replies: 3
Views: 420

Re: switch Medigap insurers before surgery?

Did you have to pass underwriting to get the new policy? (Oops I see you did.) I'd review the questions you answered you very carefully. There were written questions and then the ones the underwriter asked on the phone. The written ones are incorporated in the contract. I guess I shouldn't worry...
by montanagirl
Wed Jun 27, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: switch Medigap insurers before surgery?
Replies: 3
Views: 420

switch Medigap insurers before surgery?

After my current Plan G insurer gave me a wildly inflated premium increase letter, I shopped around and signed up for Plan N with a Mutual of Omaha company for $20 less than my current coverage. I gave notice to drop coverage July 1 at the current and they said I have until Aug 16 to change my mind....
by montanagirl
Sun Jun 24, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3432

Re: Compliments for Vanguard?

No complaints. It was a vanguard rep who suggested a Roth to me when I realized my prior year ira contribution would not do me any good as a deduction. He suggested recharacterization, which I'd never heard of.
by montanagirl
Mon Jun 18, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: What companies followed Vanguard to no-load???
Replies: 13
Views: 1195

Re: What companies followed Vanguard to no-load???

I remember no load funds in the early 90s that you could open with only $250. I think 20th Century was one?
by montanagirl
Mon Jun 18, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 2073

Re: One handed Android phone?

No help but same here. My Moto G 5-inch is the perfect size but I'd like to get a newer one with presumably a longer battery life. But the phones available to me at Consumer Cellular are all bigger or the smaller SE. I like the Samsung phones like the S8 but they are rather long to put in my pocket ...
by montanagirl
Sun Jun 17, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9441

Re: Which Supermarket are you?

Super Walmart is closest to us, then we also use Albertsons and Costco.
by montanagirl
Sun Jun 17, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 55
Views: 6508

Re: Has Anyone Tried Youtube TV?

I checked it out but it didn't seem at all like the real You Tube, which I love because it has so many odds and ends. The app seemed to have the same limited set of offerings as the other streaming channels.

I hope I will still be able to get regular You Tube on my TV.
by montanagirl
Thu Jun 14, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7882

Re: Boring Job

I had the same situation, only it was at the end of my career as I approached retirement age. I asked for advice here and most said to lie low. So I did and limped into 65. Needless to say, that was quite different. I would and did quit jobs from sheer restlessness but in retrospect it would have be...
by montanagirl
Thu Jun 14, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2963

Re: Trade-up my $89 Walmart bike

. As Im getting older I may modify the handlebars from the drop style to something a bit more comfortable. Modern road bikes are more comfortable than the old ten speeds. I think drop bars are more versatile than hybrid bars. I move my hands constantly beween top, bends and brake hoods due to arthr...
by montanagirl
Thu Jun 07, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: UPDATE My Medigap Plan G went from 115 to 251
Replies: 33
Views: 3830

UPDATE My Medigap Plan G went from 115 to 251

After I'd applied at Mutual of Omaha, and even gotten a call from their underwriter Monday, I got TWO letters from Equitable saying my premium was going up only to $119! Yet I had called for verification and the agent said the new premium amount was "off by 4 dollars" and they'd send a new letter, w...
by montanagirl
Sun Jun 03, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Medigap trap: does this new strategy work?
Replies: 2
Views: 463

Re: Medigap trap: does this new strategy work?

I think you can switch to Medigap Plan F High Deductible with no issues or no qualifying. It is lesser coverage plan. Mine costs $48 a month but has a $2100 annual deductible. I have found it is cheaper including the deductible amounts than F or G over the long haul. Good Luck. I think F high deduc...