Search found 97 matches

by p_qrs_t
Tue Jul 28, 2020 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuyers: Did you use a broker to help secure a mortgage?
Replies: 20
Views: 1757

Re: Homebuyers: Did you use a broker to help secure a mortgage?

I've used Costco mortgage brokerage and gotten good rates. But they were all conventional sized loans or refinances.

Hopefully I'm done with those days.
by p_qrs_t
Sun Jan 26, 2020 4:06 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 29144

Re: Sad news: LadyGeek's husband has passed

LadyGeek, Thank you for all that you have done in the years that I have been reading this forum. I’m amazed that you are able to help this group even after the loss of your spouse. More than anything I worry about not having prepared everything so that my spouse will not struggle after I pass— my sp...
by p_qrs_t
Sun Jan 26, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Global Entry [wait time for interview]
Replies: 70
Views: 5030

Re: Global Entry

I second the original poster walking into BWI. There was a 5 minute wait, and took about 10 minutes total. The Global entry is in the last terminal on the bottom floor. The cards came in the mail abour 10 days after we did the interview. OK, unfortunately I am an expert in this area. :annoyed My Glo...
by p_qrs_t
Sun May 05, 2019 5:45 pm
Forum: Investing - Theory, News & General
Topic: Multigeneration family investment planning?
Replies: 32
Views: 6021

Re: Multigeneration family investment planning?

Have there been any updates since this subject was made 10 years ago?
by p_qrs_t
Sat Nov 17, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Water-Sewer line insurance
Replies: 33
Views: 2319

Re: Water-Sewer line insurance

Admiral, we have the same system in our city-- the city itself sent out noticies stating they encourage house owners to get insurance with this company. I have a plan with Homeserve for $117/year. Several of my neighbors have been hit with bills which have exceeded $5000. I don't anticipate using th...
by p_qrs_t
Wed Oct 24, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 11070

Re: Larry Swedroe: Why International Diversification Works

I think the entire point of that screenshot is showing that you can have much less risk by diversifying away from one country (US) to a global equity portfolio without any longterm difference in your returns. Why wouldn't you broaden your investment mix and hedge your bets for "no" cost t...
by p_qrs_t
Wed Oct 24, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 11070

Re: Larry Swedroe: Why International Diversification Works

I'm not a math expert, and nisiprius is way more knowledgeable than I am so he is better to respond than I, but I think nisiprius shows that there was no difference in returns or in volatility with the addition of international (note the identical standard deviation).
by p_qrs_t
Thu Apr 26, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 73
Views: 9651

Re: Customer Service with Vanguard

As far as I know that is what is supposed to happen when someone dies unless or until you establish yourself as executor of the estate or as a beneficiary TOD/POD or it was a joint account. No other broker is going to be different. +1 I've worked at 3 banks. Same rule with all of them. I never unde...
by p_qrs_t
Sun Feb 12, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Disability insurance future increase rider question
Replies: 7
Views: 1026

Re: Disability insurance future increase rider question

Thank you simplesimon. That is along the lines of thought that I had but wanted to get boglehead input. Normal expenses would easily be covered by this disability amount and then some. Nursing home costs (God forbid), wouldn't remotely be met by this amount. The most common disability in my line of ...
by p_qrs_t
Sun Feb 12, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Disability insurance future increase rider question
Replies: 7
Views: 1026

Re: Disability insurance future increase rider question

Sorry my post wasn't clear-- it's $290 for an increase of $8000 (total $14,000/ month in insurance)
by p_qrs_t
Sun Feb 12, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Disability insurance future increase rider question
Replies: 7
Views: 1026

Disability insurance future increase rider question

I have self funded disability insurance that I obtained 8 years ago, and has about 20 years left. The current insurance provides $6000 a month benefit for $330 a month. Included in this is a future increase option of an additional $8000/month. If I exercise this option (now that my income has increa...
by p_qrs_t
Thu Mar 12, 2015 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Another take on Vanguard questionnaire: NYTimes
Replies: 42
Views: 5967

Re: Another take on Vanguard questionnaire: NYTimes

Neurosphere, Perhaps one of the positive takes from this article is that if you automatically save a reasonable chunk of your salary (in his case he set up an automatic contribution and forgot about it), live relatively frugally, don't make too many large mistakes (he sites one in purchasing an apa...
by p_qrs_t
Thu Mar 12, 2015 7:41 am
Forum: Personal Consumer Issues
Topic: Board certification alternative (medicine)
Replies: 10
Views: 1896

Re: Board certification alternative (medicine)

The American Hospital Association, in response to a professional society's inquiry about establishing an independent board certification stated that many of their member hospitals require that a physician obtain board certification for privileges via a board recognized by the American Board of Medic...
by p_qrs_t
Thu Mar 12, 2015 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Another take on Vanguard questionnaire: NYTimes
Replies: 42
Views: 5967

Re: Another take on Vanguard questionnaire: NYTimes

Neurosphere, Perhaps one of the positive takes from this article is that if you automatically save a reasonable chunk of your salary (in his case he set up an automatic contribution and forgot about it), live relatively frugally, don't make too many large mistakes (he sites one in purchasing an apar...
by p_qrs_t
Sun Feb 01, 2015 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 8149

Re: POLL: How Will You Complete Your 2014 Taxes?

My in-laws have been working part time at H and R block for years, and I now do my taxes through them. However, I am, from this year onward, purchasing TT and trying to do it on my own as well. I figure that as long as they can do it for free, I will have them do so, and in the meantime gain experie...
by p_qrs_t
Sun Jan 25, 2015 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Locating deceased person's assets
Replies: 33
Views: 3463

Re: Poll: Locating deceased person's assets

First thing I did was try to consolidate multiple disparate accounts into the absolute minimum (still too many, but can't help work related accounts, etc). I then started making a power point presentation listing all of our different accounts and the account numbers, and where my spouse could find t...
by p_qrs_t
Thu Dec 11, 2014 8:45 am
Forum: Personal Consumer Issues
Topic: Tell me about Berlin :-)
Replies: 40
Views: 5431

Re: Tell me about Berlin :-)

If you enjoy historical walking tours I strongly recommend Terry Brewer's walking tour. We did a 12 hour walking tour with Terry about 8 years ago, and it was truly fantastic, for a history geek like me. We walked throughout East Berlin, and eventually, slowly, made our way through to West Berlin, ...
by p_qrs_t
Sat Oct 18, 2014 1:28 pm
Forum: Personal Consumer Issues
Topic: Tell me about Berlin :-)
Replies: 40
Views: 5431

Re: Tell me about Berlin :-)

If you enjoy historical walking tours I strongly recommend Terry Brewer's walking tour. We did a 12 hour walking tour with Terry about 8 years ago, and it was truly fantastic, for a history geek like me. We walked throughout East Berlin, and eventually, slowly, made our way through to West Berlin, t...
by p_qrs_t
Mon Jul 28, 2014 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny/Household Employee Payroll Company
Replies: 8
Views: 2801

Re: Nanny/Household Employee Payroll Company

Be aware that a whole bunch of nannies can't go through these services because they are not here legally. When we had nannies many years ago, that was the time when some woman nominated to be the US Attorney general turned out to be gaming the system. It would have been funny if it wasn't so sad. I...
by p_qrs_t
Fri Jul 11, 2014 6:59 am
Forum: Investing - Theory, News & General
Topic: Investing in Detroit-- An American Lazarus
Replies: 4
Views: 1661

Investing in Detroit-- An American Lazarus

If you are interested in reading a story about the resurrection of Detroit by scrappy entrepreneurs, incurring high risk for potentially high rewards (not just financial) and want to feel awe at what they are trying to accomplish, read this excellent article in the New York Times Magazine: http://ww...
by p_qrs_t
Thu Jul 10, 2014 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Cannot qualify for physician disability insurance.
Replies: 31
Views: 4735

Re: Cannot qualify for physician disability insurance.

In my particular area of medicine, orthopedic injuries are commonplace, and a major reason for early retirement. If i were in such a situation, I would be trotting off to a physical therapist as a preventative measure fairly often. Personal Trainer. Same idea. But just recently started, so I have d...
by p_qrs_t
Sat Jul 05, 2014 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: House maintenance cost
Replies: 13
Views: 1910

Re: House maintenance cost

I live in a 140 year old house. Maintenance exceeds 6% year.

It is easy to underestimate the cost of maintenance.

I happen to love where I live, my neighbors, and my proximity to work so I just end up shoveling much of my free money into maintenance...
by p_qrs_t
Sat Jul 05, 2014 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot qualify for physician disability insurance.
Replies: 31
Views: 4735

Re: Cannot qualify for physician disability insurance.

Why do so many doctors buy disability insurance? Only of tiny percentage of the population buys disability insurance and I'm guessing most of them are doctors. Most everyone else manages to get along without it. It seems to be one of the many financial products designed to get money out of doctors....
by p_qrs_t
Sun Nov 24, 2013 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Poll: House value as % of assets when mortgage paid off.
Replies: 41
Views: 4274

Re: Poll: House value as % of assets when mortgage paid off.

sscritic wrote:Which time? :)
I don't know if this has already been said, but it's good to see a post from you again...
by p_qrs_t
Tue Oct 08, 2013 9:14 pm
Forum: Personal Consumer Issues
Topic: How to excel in a first time (financial) job.
Replies: 7
Views: 1218

Re: How to excel in a first time (financial) job.

I know nothing about first FINANCIAL job. I have some idea of what to do for a new job. 1) Volunteer (early and first) whenever a request is made-- particularly when few others want to do something. Then do whatever is asked of you, do it well, and don't complain or suggest how hard you worked to ac...
by p_qrs_t
Tue Oct 08, 2013 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: What Each Spouse Should Know About Finances (WSJ)
Replies: 6
Views: 1865

Re: What Each Spouse Should Know About Finances (WSJ)

I have thought about what my SO should know when I die quite a bit. She would rather stab herself in the eye than listen to what I have to say. :oops: I have made a powerpoint presentation instead... Here is the search I did: http://bit.ly/16Qv1xl One link that I liked: http://finance.yahoo.com/news...
by p_qrs_t
Fri Oct 04, 2013 8:11 pm
Forum: Personal Consumer Issues
Topic: New construction Vs older home buy?
Replies: 22
Views: 3343

Re: New construction Vs older home buy?

It is incredibly easy to underestimate maintanence costs. We purchased our only home 4 years ago. It was completely renovated 20 years ago. However we are spending about 5% a year in maintenance (do to poor workmanship 20 years ago) and about 5% a year on furniture etc. although I did not budget thi...
by p_qrs_t
Tue Sep 24, 2013 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help me tell my husband what to do - retirement accounts
Replies: 6
Views: 1997

Re: Help me tell my husband what to do - retirement accounts

Problem with drafting a set of "death instructions" is, we don't know if we'll croak a year from now or 31 years from now. This assuming nominally good health, not a terminal diagnosis. So stuff can change over a decade or two, not to mention deceasement of the other spouse first... Wizar...
by p_qrs_t
Sun Jul 21, 2013 8:57 am
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 23630

Re: [Sad news - Pat Larimore]

Sir,

Thank you for posting the video. The outpouring of support from this site is indicative of how many people have been helped by you and Pat.

Thanks again, and I hope you savor in the memories and enjoy life to the fullest, as I would want my spouse to do when I move on.

Anuj
by p_qrs_t
Mon Jun 24, 2013 6:28 pm
Forum: Investing - Theory, News & General
Topic: Do you do tax loss harvesting?
Replies: 40
Views: 2833

Re: Do you do tax loss harvesting?

I think it violates the rules of simplicity, and eventually, it all evens out...
by p_qrs_t
Sun Jun 23, 2013 8:36 pm
Forum: Personal Consumer Issues
Topic: Would you spend $100+ on a fan?
Replies: 25
Views: 2880

Re: Would you spend $100+ on a fan?

It appears that the purpose of this is noise reduction with air movement. If you don't care about the noise, perhaps the additional cost won't be worth it to you?
by p_qrs_t
Sun Jun 23, 2013 7:55 am
Forum: Personal Investments
Topic: Need to Push to Leave Broker/Become Own Financial Advisor
Replies: 100
Views: 8951

Re: Need to Push to Leave Broker/Become Own Financial Adviso

I have to say this is one of my favorite threads of all time. The advice is remarkable, generous, detailed, thoughtful.

Thanks for all the remarkable contributions... It really is amazing.


Anuj
by p_qrs_t
Mon Jun 03, 2013 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: For Physicians: Resident FICA Tax Refund
Replies: 65
Views: 10739

Re: For Physicians: Resident FICA Tax Refund

I remember sending in the required paperwork to the institution where I did my residency from 2000 to 2003. A couple of my friends recently received their checks. I called them last week and they claim that they never received my paperwork. Unfortunately I don't have any proof that I sent in all th...
by p_qrs_t
Mon Jun 03, 2013 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: First-time homebuyer, need some Boglehead advice
Replies: 8
Views: 976

Re: First-time homebuyer, need some Boglehead advice

Brudude, I answer this with no knowledge other than being a recent first time homebuyer myself. 1) I did not use a buyer's agent at all, and it did not seem to create a problem for me at all. I filled out the paperwork, and we chose a closing/ title company. 2) I have no idea what a reasonable offer...
by p_qrs_t
Sat May 18, 2013 10:04 pm
Forum: Personal Consumer Issues
Topic: Do you pay for access to www.nytimes.com ?
Replies: 30
Views: 3502

Re: Do you pay for access to www.nytimes.com ?

I pay for access to the www.nytimes.com. I enjoy reading it tremendously and hope that my subscription will continue to support it in it's endeavors. Feel the same way about the washingtonpost when it goes behind a paywall, and www.wsj.com, which is also behind a paywall...
by p_qrs_t
Sun Apr 14, 2013 9:45 pm
Forum: Personal Investments
Topic: 403B Good News
Replies: 2
Views: 599

Re: 403B Good News

I share your joy!

My spouse's options are all high expense funds through Nationwide, which we try to work around...

Wish her funds would change as your spouse's did.

I completely understand your spouse not sharing your excitement either-- mine would have no interest...


Anuj
by p_qrs_t
Wed Apr 10, 2013 1:57 pm
Forum: Personal Consumer Issues
Topic: Moving to Baltimore, advice on finding a place to rent?
Replies: 18
Views: 2801

Re: Moving to Baltimore, advice on finding a place to rent?

I had lived in Manhattan, the Bronx and North Philly and moved to Baltimore 5 years ago for work. I love this city. I live in Federal Hill, which is a rowhouse neighborhood with local bars. The biggest problem I have to deal with is the noise that the drunk kids make at night waking my (younger) kid...
by p_qrs_t
Sun Mar 24, 2013 6:32 pm
Forum: Personal Consumer Issues
Topic: "Think You Just Bought Your Real Credit Score? Think Again"
Replies: 18
Views: 2968

Re: "Think You Just Bought Your Real Credit Score? Think Aga

So here is a question: when we refinanced our loan, the mortgage agent sent us a credit score for my spouse and I from each of the three agencies. Presumably, that is the score that is going to the broker, who will then use that to try to sell the loan to Fannie/ Freddie etc. Is that a reliable cred...
by p_qrs_t
Sun Mar 03, 2013 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is Med School still a good financial investment?
Replies: 123
Views: 13362

Re: Is Med School still a good financial investment?

1) My work doesn't feel like work-- I love the vast majority of time I am at work and can't imagine doing anything else 2) I am on call between every second and third night, which means I go into the hospital in the middle of the night once a week 3) Even when I am not on call, I still work; many pa...
by p_qrs_t
Sun Feb 05, 2012 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Online mortgage lenders?
Replies: 2
Views: 383

Re: Online mortgage lenders?

snyder66 wrote:Just wondering if anyone has had any positive or negative experiences? For that matter we can add travel agents to the mix as well, not sure if that is allowed, however...
If you have a costco membership, you can refinance through their website with fees negotiated by costco to $600...
by p_qrs_t
Fri Dec 16, 2011 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Recommendation - Financial Advisor
Replies: 5
Views: 1068

Re: Seeking Recommendation - Financial Advisor

Unfortunately, my brother and I recently lost our last surviving parent. We are the beneficiaries of the estate, and will each receive a sizeable inheritance (mid to high six figures). While I don't plan to make any significant changes to my lifestyle or investing approach (essentially a strict Bog...
by p_qrs_t
Tue Sep 13, 2011 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Home Maintenance Expenses
Replies: 47
Views: 16260

Re: Annual Home Maintenance Expenses

I've read that one can expect to pay 1% of the home's value annually in maintenance expense, but that seems high to me. 1% seems WAY too low. Any home that is older than 10 years old will probably cost 3% of the homes rebuild value. My home is 120 years old. I am spending close to 4% of the purchas...
by p_qrs_t
Tue Aug 23, 2011 8:24 am
Forum: Personal Consumer Issues
Topic: [del]
Replies: 56
Views: 8811

Does unlinking your bank account make you "unconfirmed"? If so, what are the implications of that? My experience has been that unlinking your bank account does NOT make you "unverified" with PayPal, as long as you have an existing credit card account linked with PayPal. Of cours...
by p_qrs_t
Tue Aug 16, 2011 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Could you cut it as a Financial Advisor?
Replies: 73
Views: 8852

I think there are a bunch of posters here who make excellent financial advisors. I suspect if they wanted to start their own firm, they would do remarkably well...

Anuj
by p_qrs_t
Fri Aug 12, 2011 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Refinance to a 10 year mortgage
Replies: 23
Views: 3517

Re: Refinance to a 10 year mortgage

Has anyone seen any attractive 10 year fixed mortgages ? I am looking for 2.5%. My present lender doesn't offer one and the first 2 sites that google got me, were brokers. thanks Hexdump, I just went through Costco, and also got a 3.25% apr for 10 years. I have not seen anything lower than this in ...
by p_qrs_t
Sun Jun 26, 2011 6:57 pm
Forum: Personal Consumer Issues
Topic: VA Health Care
Replies: 21
Views: 2399

Rocket, I can not answer this question for you perfectly. I would be reluctant to encourage you to give up insurance that you will never again be able to obtain, especially for $175/month which is a relatively paltry sum when it comes to health care co pays. I would suggest looking into whether an a...
by p_qrs_t
Tue Jun 21, 2011 3:35 pm
Forum: Personal Consumer Issues
Topic: Grades of gasoline in car buying decision?
Replies: 45
Views: 3612

There's "required" and there's "recommended." Read the manual. There is no "strain" on the engine. All cars built the last 15 years or so have a computer chip that retards engine timing to the octane content of the fuel. Read: decreases hp output. Case in point, my 199...
by p_qrs_t
Tue Jun 07, 2011 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else here struggling to save? Just curious - Thanks!
Replies: 131
Views: 14072

sometimes its easy to feel like you are failing on this site atleast for someone like me with limited income .. the important thing like most are saying is pay yourself first.. and kill that CC debt .. ill tell you what worked best for me.. i started with a small amount, like say $25 a paycheck goi...
by p_qrs_t
Tue Jun 07, 2011 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else here struggling to save? Just curious - Thanks!
Replies: 131
Views: 14072

I always regarded paying interest on loans (other than home mortgage) as the biggest waste of money possible. If you buy something for $100 but put it on a credit card and end up paying $105 or $110 for it when you include the credit card's interest, then that $5 or $10 is wasted money IMHO. I have...
by p_qrs_t
Sat May 28, 2011 1:39 pm
Forum: Personal Consumer Issues
Topic: My parents best advice ?
Replies: 65
Views: 7719

Dad, "Just remember that because you started on third base and managed a single doesn't mean that you hit a grand slam..."

Anuj