Search found 405 matches

by Minot
Wed Sep 20, 2017 1:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9937

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: 9043

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: 275
Views: 26020

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: 2694
Views: 863531

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...
by Minot
Thu Aug 31, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 155
Views: 26327

Re: The Wall Street Journal to close Google loophole entirely

I'm not sure this accesses all the articles, but some recent articles that I can't get from https://www.wsj.com are easily found on their Facebook page by searching the Posts (go to their Facebook home page and click Posts or click this: https://www.facebook.com/pg/wsj/posts/ , you should see the s...
by Minot
Wed Aug 30, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from Vanguard
Replies: 38
Views: 2578

Re: QCDs from Vanguard

FYI--you can write your own QCD checks on your Vanguard or Fidelity IRA account. If you do it this way, VG or Fido won't withdraw the amount from your account until after the check has been cashed.

I also find it a lot simpler to write my own checks, rather than calling VG to do it. YMMV
by Minot
Mon Aug 28, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 32197

Re: What to do when a parent's money runs out?

I wouldn't help her any further. She needs to get out of that place. Of course, it's easy for me to say that because my parents would never put me in the situation of having to make a difficult choice like this. Sorry, Randomizer, but there's no way you can know this. Dementia can change people's p...
by Minot
Tue Jul 25, 2017 10:23 am
Forum: Investing - Theory, News & General
Topic: Withdrawal rates
Replies: 11
Views: 1551

Re: Withdrawal rates

Unless she has really good long term care insurance, her savings are not only a potential inheritance; they are her self-insurance so that she will not have to burden you with the cost of her care. As an 80 year old myself, I understand your mother's reluctance to commit to an on-going higher cost o...
by Minot
Tue Jul 18, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 13656

Re: Books not to read.

"Born on Third Base" by Chuck Collins a story about a guy who was heir to the Oscar Myer family. He gave away his trust fund when he was in his twenties out of guilty. Now spends his time trying to convince people to not to donate to charities but to give your money to the government because they c...
by Minot
Tue Jul 04, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Just found out my mom is in serious financial crisis. Need help ASAP.
Replies: 58
Views: 9759

Re: Just found out my mom is in serious financial crisis. Need help ASAP.

Looking forward a few years: the max social security benefit for someone who retires at 70 is around $42k. <snip> . That's assuming that she has been reliably paying into Social Security. Since she's in private practice, it's presumably been up to her. It's pretty certain that she hasn't contribute...
by Minot
Sat Jun 24, 2017 7:28 pm
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 108
Views: 16420

Re: Revealing Usernames

I know members are reading this thread, as I've been contacted by a few already. :) retiredjg - I see your point, but wouldn't your suggestion be better located in the forum policy, specifically in the Usernames (accounts) section? Remember that the registration intro says: You agree to abide by th...
by Minot
Tue Jun 20, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2694
Views: 863531

Re: What Book Are You Currently Reading? Part VI

ddurrett896 wrote:Control: Exposing the Truth About Guns

<snip>
By Glenn Beck
by Minot
Sun Jun 18, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 7246

Re: So sick of it! [Paying off student loans]

Gang, Your input on finances since I discovered this website has helped a lot. I am blessed with a great income. Let me tell you what is going on and what I am sick of! Let me give you some details first... Yearly investing - I am basically happy with this for now at 34yo. 18.5 k 401k + 25% match 1...
by Minot
Thu Jun 15, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Child reaching majority Custodian Acct- fund advice TRowePrice
Replies: 11
Views: 965

Re: Child reaching majority Custodian Acct- fund advice TRowePrice

My son got control of his custodial account at American Century earlier this year. I wrote about that in this thread last month. <snip> I am having my son research how to get out of his American Century account. He already has a Roth IRA at Vanguard and a Vanguard taxable account to receive gifted ...
by Minot
Thu Jun 15, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity IRA charging 5$/mo as fees
Replies: 11
Views: 1615

Re: Fidelity IRA charging 5$/mo as fees

It appears that the OP has monthly automatic investments into non-NTF funds. Fidelity says: "Fidelity does not charge a fee for automatic investments in Fidelity funds or No Transaction Fee (NTF) FundsNetwork funds. After the initial investment, a $5 fee is charged per automatic investment into a F...
by Minot
Thu Jun 01, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Senility: How do you plan on protecting your money when you lose your mental capacities?
Replies: 72
Views: 7263

Re: Senility and Seductresses: How do you plan on protecting your money when you lose your mental capacities?

The real concern, which I have not seen well addressed, is a corporate fiduciary who will do the day to day bill payments, manage insurance and so forth. As a Boglehead, I am not interested in their investing brilliance, but I don't want the power turned off because no one paid the bill. Naturally,...
by Minot
Mon May 29, 2017 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 57
Views: 8070

Re: How exactly does Vanguard's RMD service work? Rebalancing?

IIRC, you need to make sure the QCD is either paid: - directly to the charity - to you via a check made out to the charity which you then forward to the charity. As I understand it, receiving a RMD, putting it in your checking account and then writing a check to the charity doesn't count as a QCD (...
by Minot
Wed May 24, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate tax benefit of owning a home
Replies: 34
Views: 2843

Re: How to calculate tax benefit of owning a home

You may be interested in this New York Times article on the societal effects of the mortgage interest deduction.
by Minot
Mon May 22, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 6359

Re: What are your priorities for retirement?

I certainly had priorities, but some of them went out the window upon retirement, because I found that my priorities changed. For example, and I know this is counter to what everyone says, I've deferred travel for awhile, because I absolutely love just hanging out at home. I don't have to be anywhe...
by Minot
Fri May 12, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: How specific/specialized is your Living Will?
Replies: 22
Views: 1475

Re: How specific/specialized is your Living Will?

It is difficult for a document to cover the complex issue of end of life care. You may also find this article useful http://www.newyorker.com/magazine/2010/08/02/letting-go-2 IMO, it's just as important to discuss your wishes with family so that they know what you want, not what they think is best ...
by Minot
Sun Apr 16, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why do you save?
Replies: 31
Views: 2611

Re: Why do you save?

I saved because I didn't want to have to worry about not having enough.

Now that I'm 80, I've concluded that I have somewhat more than enough, and have been loosening up on the spending a bit.
by Minot
Sat Apr 01, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 164
Views: 13997

Re: When do you plan to die?

VictoriaF wrote:I am planning to die on April 1st of the year when I run out of money.

Victoria
Badaboom!!
by Minot
Sat Apr 01, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 164
Views: 13997

Re: When do you plan to die?

I am now 67, happy and in good health. Ten to twelve years ago I spent a lot of time in nursing homes watching my parents and the other people there die slowly and miserably. I decided to make my own decision about when it was time to go, rather than just letting nature take it's course. My plan wa...
by Minot
Mon Mar 20, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Wife going back to school. What financial steps should I take?
Replies: 23
Views: 1575

Re: Wife going back to school. What financial steps should I take?

OP - your situation mirrors my own in almost every aspect. From our income levels and that of our spouses, to your situation regarding having kids, to your wife leaving a job she doesn't like and going back to school full time to expectedly double her income in the end doing something she enjoys, t...
by Minot
Sat Mar 11, 2017 12:15 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3132
Views: 921941

Re: What Movie Have You Recently Watched?

.....
by Minot
Tue Feb 28, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy in Taxable Account - exchange?
Replies: 5
Views: 1136

Re: Vanguard LifeStrategy in Taxable Account - exchange?

Hi All, New to Bogleheads and would appreciate some advice. My wife and I have been investing in the Vanguard LifeStrategy Moderate Growth fund in a taxable account for about a year and a half now with approximately $17k in the account currently. I have not taken any money out of the account since ...
by Minot
Tue Feb 21, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2694
Views: 863531

Re: What Book Are You Currently Reading? Part VI

"The Overlook" by Michael Connelly - the 13th in the Harry Bosch series. I have been glued to this series since early January. All are outstanding, top notch reads. If you love police procedural, look no further. The TV series "Bosch" on Amazon Prime is also excellent. Titus Wel...
by Minot
Mon Feb 13, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with daughter's $100
Replies: 73
Views: 5162

Re: What to do with daughter's $100

The responses you've gotten so far have focused on what's good for your daughter's future. I've just looked at your previous posts, and I'm concerned about your future. You're over 50, you have a mortgage to pay off and considerable student loan debt. To what degree are you subsidizing your daughter...
by Minot
Mon Dec 12, 2016 12:35 pm
Forum: Investing - Theory, News & General
Topic: Bogle: ETF investors’ returns trailed by 1.6 percent over 12 months.
Replies: 13
Views: 1697

Re: Bogle: ETF investors’ returns trailed by 1.6 percent over 12 months.

The underlying Financial Times article, also written by Bogle, spells it out more clearly. Click on the 1st link (in the box under Top Stories on this Google page to get access to the article. Vanguard’s patented structure for ETFs — in which both its Tifs [traditional index funds] and ETFs are shar...
by Minot
Sat Dec 03, 2016 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: What value should my 401k be at age 54?
Replies: 21
Views: 4386

Re: What value should my 401k be at age 54?

Is this what you're looking for?
by Minot
Fri Nov 11, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: QCD Mechanics [Qualified Charitable Distribution]
Replies: 23
Views: 1945

Re: QCD Mechanics [Qualified Charitable Distribution]

For what it may or may not be worth: I have twice been told by Vanguard retirement specialists that writing my check on my IRA account to the charity is a valid QCD. Kiplinger's article agrees: "If you have check-writing privileges for your IRA, you can write a check to the charity." I've...
by Minot
Fri Nov 11, 2016 1:54 am
Forum: Personal Finance (Not Investing)
Topic: QCD Mechanics [Qualified Charitable Distribution]
Replies: 23
Views: 1945

Re: QCD Mechanics [Qualified Charitable Distribution]

For what it may or may not be worth: I have twice been told by Vanguard retirement specialists that writing my check on my IRA account to the charity is a valid QCD. Kiplinger's article agrees: "If you have check-writing privileges for your IRA, you can write a check to the charity." I've ...
by Minot
Wed Nov 09, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1118768

Re: U.S. stocks in freefall

What freefall?
by Minot
Sat Nov 05, 2016 11:08 pm
Forum: Personal Consumer Issues
Topic: Honey
Replies: 27
Views: 4203

Re: Honey

Buckwheat honey is quite flavorful. I haven't eaten it in years, so can't recommend a particular source, but Google comes up with a number of choices.
by Minot
Thu Nov 03, 2016 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Opened a Roth this year, lost money-- what can I do tax-wise?
Replies: 10
Views: 1660

Re: Opened a Roth this year, lost money-- what can I do tax-wise?

I have some "play" money that I use to invest and this year decided that it made more sense to do it inside a Roth account (I have all of my retirement savings in 401k and Trad IRA) so that I wouldn't keep getting hit with capital gains. Unfortunately I lost some money, about $700. I thin...
by Minot
Sun Oct 16, 2016 4:06 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 10032

Re: Bogleheads is back!!!

For those of us who (finally, in my case) figured out to check Morningstar's Bogleheads Unite! forum, a big thank you to Taylor, Mel, and Lady Geek for keeping us updated.
by Minot
Sun Oct 16, 2016 4:00 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 10032

We're baaack!

Looks like we're back online at last!! Let's see if I can be 1st to post.

[Nope, see below. --admin LadyGeek]
by Minot
Sat Oct 08, 2016 12:14 am
Forum: Personal Consumer Issues
Topic: Hurricane Matthew: Evacuation advice
Replies: 40
Views: 5090

Re: Hurricane Matthew: Evacuation advise

LadyGeek wrote: I also changed the spelling in the thread title "advise" to advice".

Thanks for scratching my itch. :wink:
by Minot
Mon Oct 03, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Matching children's Roth IRA contributions
Replies: 41
Views: 4661

Re: Matching children's Roth IRA contributions

You've discussed the best way to proceed with Bogleheads, and with your wife, but I'm noticing that you have not discussed it with your kids. Why not? What might be the positive or negative results of doing so? Maybe you could start by letting them read this thread, with the idea that you'll sit dow...
by Minot
Thu Sep 22, 2016 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: "Women and Investing" class offered by Employer
Replies: 84
Views: 7527

Re: "Women and Investing" class offered by Employer

Miakis wrote:Women participate in 401(k)s at lower rates than men do, and when they do participate, they tend to contribute less.

This 2015 Atlantic article disagrees with the 1st half of your statement, and ties the lower contributions to women's lower salaries.
by Minot
Mon Aug 15, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 60
Views: 4319

Re: What does the BH community do with their pets when they travel?

We will be doing a 1200 mile move in the near future. Flying is out of the question because wife does not trust airlines with the little dog. OK, we will drive. When making hotel reservations noticed that "pet friendly" hotels seem to be pretty pricey. That's OK. We do what ever is needed...
by Minot
Sat Aug 13, 2016 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Wanted to always Bogle, but never got around to it...Now worth $2.3m
Replies: 11
Views: 3322

Re: Wanted to always Bogle, but never got around to it...Now worth $2.3m

niceguy7376 wrote:If you are independent consultants, why dont you have Solo 401k accounts? At your salaries ( assume 160k for each) you would be able to stack away around 40k pre-tax each.
And save on taxes.
by Minot
Fri Aug 12, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 60
Views: 4319

Re: What does the BH community do with their pets when they travel?

rover.com is available in some cities and is great. There is a variety of types of care offered - in home, check on, boarding, day care. +1 for Rover.com. My rescue Bichon Frise (most likely) is about to go off for his 2nd stay at a place I found on rover.com, where he seemed to enjoy himself and c...
by Minot
Tue Jul 05, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 12899

Re: Money vs. Happiness

JamalJones wrote:MOTBH!

OK, I give up. What are you trying to tell us?
by Minot
Fri Jul 01, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Laptop & Furniture & Treadmill Configurations
Replies: 8
Views: 728

Re: Laptop & Furniture & Treadmill Configurations

Try Googling "laptop stand for couch."
by Minot
Sun Jun 26, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Very tough career choice (ego, startup, San Francisco Bay Area)
Replies: 58
Views: 7517

Re: Very tough career choice (ego, startup, San Francisco Bay Area)

I wish there was an alternative way to thank the community of this forum, the answers I received are simply invaluable, and I don't have enough life experience to contribute back with anything meaningful. I agree with the posters who've said you've made a real contribution. Just by bringing your si...
by Minot
Sat Jun 25, 2016 9:03 am
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 6162

Re: Dog attacked by another dog

I was not going to try to get in the middle so I kept a hold of the leash, but backed away as far as I could to avoid personal injury (both dogs are 60+lbs). You have got to be kidding. Carry a "walking stick". A pocket knife. Get a concealed carry permit. Be prepared to do something . He...
by Minot
Tue Jun 21, 2016 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - funds from family
Replies: 34
Views: 2734

Re: Portfolio Advice - funds from family

OP, I'm afraid I must climb up on my soapbox again regarding your fiancee's financial education. I believe that it is very important that women avoid financial helplessness. You have repeated that if something happens to you, she'll have parents and others who can help her with her finances. This i...