Search found 451 matches

by Minot
Wed Jul 01, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I send my Qualified Charitable Distribution to a charity]?
Replies: 41
Views: 2386

Re: [How do I send my Qualified Charitable Distribution to a charity]?

I sent a check written by Vanguard to one charity. After a month or two, I had not received an acknowledgment. So, I asked the charity about it. They claimed no knowledge of the donation. So, I contacted Vanguard and they told me the check was never cashed. So, they stopped payment on that one and ...
by Minot
Fri Jun 12, 2020 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Giving
Replies: 28
Views: 1662

Re: Charitable Giving

sport wrote: Wed Jun 10, 2020 6:04 pm If you are old enough to have RMDs, QCD donations are even better than donating appreciated stock. Donating stock avoids capital gains tax. Making QCDs avoids ordinary income tax.
And the QCD has the benefit of reducing your AGI, unlike itemized donations from taxable.
by Minot
Sat Apr 25, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1278
Views: 76022

Re: What are you listening to now

cashboy wrote: Sat Jan 11, 2020 1:41 pm right 'now',this

https://www.youtube.com/watch?v=cxLbmnvMWM0
May the day come again....
by Minot
Wed Apr 22, 2020 10:51 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 167
Views: 15683

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

First off, before it gets suggested, my dog isn't going anywhere. We love him very much! Our dog is non-destructible and has no separation anxiety. He is a 5-year-old Golden Retriever who has free rein of house when we're not there. We are able to to watch him on our Nest cam throughout the day and...
by Minot
Sun Apr 12, 2020 12:04 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 79241

Re: I have COVID-19. Some thoughts.

The ID doc and pulmonary specialist were straight with me at discharge re: the uncertainly with immunity (the theoretical vs. what might be discovered in the next couple of months). I don't take it for granted. I wish that this were more powerfully broadcast to the public. Business and political in...
by Minot
Thu Jan 02, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Financial planner/ retirement planning for parents
Replies: 11
Views: 630

Re: Financial planner/ retirement planning for parents

I'd suggest giving him a copy of Jane Bryant Quinn's How to Make Your Money Last.
by Minot
Sat Aug 31, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: Are You A "Sesquipedalian"?
Replies: 14
Views: 1537

Re: Are You A "Sesquipedalian"?

Funny, but I was always taught that the best way to become more informed was to look up new words when I encountered them. Do you think my teachers were missing something, Taylor, and that I should be making fun of people who know things I don't know instead of learning from them? Your reading of T...
by Minot
Thu Aug 15, 2019 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 108
Views: 12537

Re: Do Bogleheads plan to utilize Independent Living facilities?

Always a balancing act. Friend in her 70s recently surveyed a couple of the nice independent-living places, which also have affiliated assisted-living that you can move to. Not CCRCs. Her impression was that the people in the independent living place were sold, well, old. She's not ready for that q...
by Minot
Thu Aug 15, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 108
Views: 12537

Re: Do Bogleheads plan to utilize Independent Living facilities?

Always a balancing act. Friend in her 70s recently surveyed a couple of the nice independent-living places, which also have affiliated assisted-living that you can move to. Not CCRCs. Her impression was that the people in the independent living place were sold, well, old. She's not ready for that q...
by Minot
Wed Aug 14, 2019 5:13 pm
Forum: Personal Investments
Topic: Investing Father's Assets Who Is In Nursing Home (POA)
Replies: 68
Views: 5185

Re: Investing Father's Assets Who Is In Nursing Home (POA)

I am sorry about your father. I know this can all be overwhelming. I am not an expert at all but will make some comments. 1. $5000/month for nursing home will undoubtably go up over 5 years. 2. Assuming it doesn't go up... $5000 x 12 = $60,000 x 5 years = $300,000 3. Based on what you listed your f...
by Minot
Fri Jul 19, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside to using 'trusted contact' feature for financial accounts?
Replies: 17
Views: 2500

Re: Any downside to using 'trusted contact' feature for financial accounts?

----- I think of it as a safety net when cognitive decline hits. There’s no fee to set it up. Our Agent and Trusted Contact are the same person. Vanguard recommends against this choice: "Whom to consider naming as your trusted contact Your trusted contact should be someone you know would be un...
by Minot
Sun Jun 16, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Watch experts: Bucherer with orange face????
Replies: 12
Views: 1668

Re: Watch experts: Bucherer with orange face????

This one sure looks like it, except it's yellow, not orange.,
by Minot
Sun Jun 16, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6250
Views: 1423035

Re: What Movie Have You Recently Watched?

A reminder from Moderators' edits to OP: " Please mention how you saw the movie (DVD, in-person, Netflix, Hulu, Amazon Prime, etc.). --admin LadyGeek] [To keep this on topic, please include whether you would recommend it in your replies - admin alex] " I especially appreciate posters who t...
by Minot
Wed Jun 12, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: RMD and expected life span
Replies: 30
Views: 3164

Re: RMD and expected life span

Is the RMD designed so one dies with no money in the account? Life expectancy is the median, half will live longer and half will live less than the posted number. I hope the RMD is not that strict or one half of the people will have taken out all the money and still be alive. Only if you live beyon...
by Minot
Thu Jun 06, 2019 12:03 pm
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 15277

Re: You May Never See Your Grandchildren Again

neilpilot wrote: Thu Jun 06, 2019 9:06 am
Minot wrote: Wed Jun 05, 2019 10:42 pm Yeah, but how was desert?
It was likely hot & dry. But I imagine the dessert wasn't bad.
Oops. Fixed it. Thanks for the amusing heads up.
by Minot
Wed Jun 05, 2019 10:42 pm
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 15277

Re: You May Never See Your Grandchildren Again

Yeah, but how was dessert?
by Minot
Tue Jun 04, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Being given charity that I don't need
Replies: 51
Views: 5621

Re: Being given charity that I don't need

Or you could assume that this is not a charitable act, but rather a business decision by the owner to encourage your continued regular and valuable patronage by rewarding you with a nice discount, and "pay" for it by continuing to eat there frequently.
by Minot
Wed May 08, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs Kaiser HMO
Replies: 28
Views: 3098

Re: HDHP vs Kaiser HMO

I've been with Kaiser for at least 30 years (I can't remember exactly when the company I worked for started offering it). For the last 17 years (I'm 82) I've been on their Medicare Advantage program, which seems pretty comparable to the Kaiser CA plan. I agree with the other recommendations in this ...
by Minot
Tue May 07, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: What’s in your pocket?
Replies: 22
Views: 2480

Re: What’s in your pocket?

triggerfish10 wrote: Tue May 07, 2019 8:40 pm
Protection
Gun? Switchblade? Nun-chucks?
Sunscreen? Condom?
by Minot
Tue May 07, 2019 8:41 pm
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 15304

Re: I tried to fire my financial advisor of 12 years today...

Nedsaid, I must be missing something. You said I am on the other side of this, I have had a full-service brokerage account for probably 31 years now. [snip] I have a Brokerage IRA and ROTH IRA with him, the two accounts are maybe 30% of my retirement. [snip] Would I do this over again? Probably not....
by Minot
Sat Apr 27, 2019 3:43 pm
Forum: Personal Investments
Topic: Sanity check?
Replies: 12
Views: 2127

Re: Sanity check?

You might get more replies (and in more depth) if you use our recommended format for asking portfolio advice. Without that added information from you, my only comment on your portfolio is to note that the majority of your funds (82% if I've done the math correctly) is in taxable, so if you are still...
by Minot
Wed Apr 17, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 16156

Re: In Laws Retirement Nest Egg

Deleted
by Minot
Mon Apr 01, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard clients are more likely to...laugh, cuddle, etc. compared with clients of other investment firms
Replies: 5
Views: 1379

Re: Are Vanguard investors more cuddly?

Already discussed at

Code: Select all

https://www.bogleheads.org/forum/viewtopic.php?t=228982
by Minot
Mon Apr 01, 2019 6:34 pm
Forum: Personal Investments
Topic: Mom retired with not quite enough savings, questions about annuity
Replies: 44
Views: 5858

Re: Mom retired with not quite enough savings, questions about annuity

What about a roommate to share the cost of housing?
by Minot
Wed Feb 13, 2019 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Attempting To Be Debt Free
Replies: 62
Views: 7214

Re: Attempting To Be Debt Free

Great suggestions so far. Why do you plan to drop the extra income from the side jobs? +1 - I would figure the side jobs can help you pay off this debt quicker? One of side jobs I work is on weekends only and because of that less time is spent with the kids. The kids stay with their mother weekdays...
by Minot
Mon Feb 11, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Inherited IRAs--question about the one at TIAA
Replies: 2
Views: 379

Re: Inherited IRAs--question about the one at TIAA

My brother-in-law died last month and to my delighted surprise left me shares in his two IRAs, one at Vanguard, the other at TIAA. Each of the IRAs were left to the same 14 multiple beneficiaries, 10 individuals and 4 charities. When Vanguard applied my BIL's (older than me) age to calculate my 201...
by Minot
Sat Jan 26, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: No Children, what will your legacy be?
Replies: 118
Views: 9890

Re: No Children, what will your legacy be?

You are only 40's. You have time to decide. Hopefully. So it may seem... but here’s a case for a bit of urgency around making a decision. OP says they are a few years away from FI. That means their tax rate is right now at its peak. If there is an amount they are certain they will end up donating i...
by Minot
Thu Jan 24, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRAs--question about the one at TIAA
Replies: 2
Views: 379

Inherited IRAs--question about the one at TIAA

My brother-in-law died last month and to my delighted surprise left me shares in his two IRAs, one at Vanguard, the other at TIAA. Each of the IRAs were left to the same 14 multiple beneficiaries, 10 individuals and 4 charities. When Vanguard applied my BIL's (older than me) age to calculate my 2019...
by Minot
Tue Dec 11, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 81
Views: 4502

Re: Donate to homeless?

If you follow some of these 'homeless' you'll see them getting into their Cadillacs with the loot they collected that day. Drop your money into a Salvation Army kettle or donate to other reputable charities instead. I volunteer with a community-based organization that has as clients a number of hom...
by Minot
Sat Oct 13, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 110
Views: 14238

Re: Visiting Parents

... find them an Airbnb. +1. You can probably find something nice within easy walking distance, and it will cost less than a hotel. Since you live near, you can scout it out and meet the host before you rent. Has your husband had any experience with a long commute? What might the two of you do to m...
by Minot
Sun Sep 02, 2018 7:02 pm
Forum: Investing - Theory, News & General
Topic: NYT - Caring for Aging Parents, With an Eye on the Broker Handling Their Savings
Replies: 26
Views: 2812

Re: NYT - Caring for Aging Parents, With an Eye on the Broker Handling Their Savings

I'm sure most of you know about this valuable free resource to check on financial advisors' "shenanigans", but just as a reminder, here it is. I checked on the advisor from this great NYT article and it looks like he's still working in the field, out in Southern California. Beware! https:...
by Minot
Fri Aug 24, 2018 5:41 pm
Forum: Personal Investments
Topic: What to do with $ 500k
Replies: 12
Views: 1667

Re: What to do with $ 500k

You might find the New York Times article, "Retirement Savings, the Muslim Way," helpful.
by Minot
Fri Aug 24, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5700

Re: Do you go for annual Medicare preventive tests and screening?

Medicare covers one free flu shot per "flu season." For billing purposes, the "season" runs from 8/1/xxxx through 7/31/xxxx+1. It doesn't matter how many days it's been since your last flu shot; there have been years when I've gotten last year's shot late (e.g., in January) and t...
by Minot
Tue Aug 21, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Co-habitation agreement - ??
Replies: 103
Views: 7106

Re: Co-habitation agreement - ??

She is a widow-of almost 5 years- like me. She is 68 and has been seeing a man 12 years younger for a year. He wants to move in with her and she is considering it. She owns a nice home-free and clear and has a much higher net worth than this man. He is employed in a blue collar job and was never ma...
by Minot
Tue Aug 14, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 29376

Re: most compelling TV character ever

palaheel wrote: Mon Aug 13, 2018 12:52 pm One more damaged detective: Grace Hanadarko (Holly Hunter) in Saving Grace, and her angel, Earl.
+1, +1.
by Minot
Sat Aug 11, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 29376

Re: most compelling TV character ever

The Cookie Monster.
by Minot
Thu Aug 09, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 29376

Re: most compelling TV character ever

bearcub wrote: Fri Aug 03, 2018 6:59 am Mrs.Howell (Lovie) from Gilligan"s Island. Wonder if the Howells invested their millions in index funds? Hmm...
Unlikely, since Jack Bogle didn't create the first index fund until 1975.
by Minot
Mon Aug 06, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 8064

Re: Best way to lose $200 in taxable income?

If you took a distribution > $200 from either your IRA or your 403b within the last 60 days, I'm pretty sure you can rollover that distribution [back] into the IRA. https://www.investopedia.com/ask/answer ... al-ira.asp
by Minot
Tue Jul 24, 2018 11:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard Paper on Roth Conversion Analysis
Replies: 123
Views: 11394

Re: Vanguard Paper on Roth Conversion Analysis

Eagle33 wrote: Tue Jul 24, 2018 12:08 am
Miriam2 wrote: Mon Jul 23, 2018 11:57 pm
Is there a link or window where we can find the Vanguard research or white papers?
link to Vanguard papers
https://investor.vanguard.com/investing ... t-research
The Filter on their Research Library page may also be useful.
by Minot
Sat Jun 30, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 10948

Re: What are you learning or studying?

2015 wrote: Sat Jun 30, 2018 3:12 pm
On my list next year is learning Tai Chi and taking an improv class for some fun.
I'm currently learning Tai Chi and at age 81 finding it harder than I expected--but worth it so far, even though I'm often tempted to skip practicing.
by Minot
Sat Jun 30, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 76
Views: 10174

Re: Dad Needs Help Buying Wedding Liquor

NOTE: This is a 6 month old thread. The wedding has probably already happened.
by Minot
Sat Apr 21, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 319
Views: 37780

Re: What have you baked recently?

Moussaka.
by Minot
Thu Mar 22, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2522
Views: 256170

Re: Netflix, Your Current Favorite Show

On Acorn TV (via Amazon Prime but you can get it standalone: The Detectorists Detectorists seasons 1 and 2 are on Netflix also I really enjoyed the first season - perfectly executed British village comedy. However, that theme song is wearisome for binge viewing... I also binged watched the 1st two ...
by Minot
Sat Jan 13, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: AirBnB my Van?
Replies: 29
Views: 3815

Re: AirBnB my Van?

Have you asked AirBnB?
by Minot
Tue Dec 26, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4886
Views: 1306904

Re: What Book Are You Currently Reading? Part VI

A reminder from the OP of this thread: [emphasis mine] This thread is the continuation of What Book Are You Currently Reading? multi-part megathread: Please remember that this thread is meant for quick (or long) reviews of books you are reading or just finished. Please keep discussions to the works ...
by Minot
Wed Sep 20, 2017 1:54 pm
Forum: US Chapters
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 15574

Re: Bogleheads you would most like to meet and why?

an_asker wrote: Wed Sep 20, 2017 12:53 pm
Toons wrote: Wed Sep 20, 2017 11:31 am Thanks All,
If you are EVER in the Tri Cities area of Tn.
send me a message,,,,
Coffee On Me :mrgreen: :mrgreen: :mrgreen:
(Mcdonalds :happy )
Which are the tri-cities of TN?
Google is your friend.
by Minot
Sat Sep 09, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 11482

Re: Protecting moms assets from nursing home expenses

Is it easy to give me an example of the two options in Seattle, maybe URLs and general costs? I want to try to understand this concept ahead of time in case my parents ever need it. But most people don't want to leave their home until they absolutely must, which may be why I don't understand this &...
by Minot
Thu Sep 07, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 71813

Re: Name something you had to have and now you regret purchasing it?

verbose wrote: Tue Sep 05, 2017 7:55 pm Clothes that seemed to fit in the store but that I can't wear for more than 10 minutes without agony: mostly bras and shoes.
+ about 1000.
by Minot
Sat Sep 02, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4886
Views: 1306904

Re: What Book Are You Currently Reading? Part VI

Currently reading various stories featuring Madame Storey, written in the 1920s-1930s by Hubert Fortner. Madame Rosika Storey is beautiful, sophisticated, intelligent, perceptive, courageous, you name it. She's a psychologist and a famous detective, solving crimes involving upper society in New Yor...