Search found 103 matches

by peregrine
Fri Mar 23, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Infrared Sauna at home
Replies: 21
Views: 3343

Re: Infrared Sauna at home

I also have a wood infrared sauna. I am very fond of it. So is my cat. I use it before I go to bed because it makes me so relaxed.
by peregrine
Sat Jan 06, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 38
Views: 4155

Re: Sling TV experiences

I think TV is only good for live sports these days. We did cut the cord and have YouTube TV. They gave us a free Chromecast. We are satisfied with the service. Although YouTube TV supports some local stations, we get our local stations via an antenna in our attic.
by peregrine
Wed Jan 04, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Financial Engines
Replies: 42
Views: 12601

Re: Getting rid of Financial Engines

My husband's current employer's 401(k) will not accept the funds from the former employer's 401(k). The only option to get rid of the Fidelity account is to roll it over into an IRA. If he does this, he can no longer make tax free backdoor Roth contributions.
by peregrine
Wed Jan 04, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Financial Engines
Replies: 42
Views: 12601

Re: Getting rid of Financial Engines

The comments of ved helped me understand a little of what is going on. Apparently, there is something in their agreement that says that if they try to contact you and fail that they have the right to make the changes they recommend. If my husband had known this was going to be the case, he never wou...
by peregrine
Wed Jan 04, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Financial Engines
Replies: 42
Views: 12601

Re: Getting rid of Financial Engines

I do not know how much Financial Engines wants to charge us to make them go away. Student does have a good point that from our own personal perspective it might be more efficient time wise to pay them off. We do feel that to pay Financial Engines off encourages this behavior, which we regard an unet...
by peregrine
Wed Jan 04, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Financial Engines
Replies: 42
Views: 12601

Re: Getting rid of Financial Engines

Thanks for quick replies. Financial Engines wants to charge us to get out of this situation - unless we continue it for 3 months. Fidelity refuses to get involved and says we must deal with Financial Engines. How can we prevent Financial Engines for charging us for this "advice" that we never wanted...
by peregrine
Wed Jan 04, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Getting rid of Financial Engines
Replies: 42
Views: 12601

Getting rid of Financial Engines

My husband has a 401(k) from a previous employer which is serviced by Fidelity. He has not moved it to the 401(k) of his current employer because the old 401(k) has low cost investment options. Financial Engines has apparently been enlisted to provide advice for holders of these accounts. This situa...
by peregrine
Tue Oct 04, 2016 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: credit during retirement
Replies: 5
Views: 1000

credit during retirement

The other day I needed to charge a rather large amount to my credit card. It exceeded the credit limit on the account. I was able to get the credit limit increased but the only questions the credit card company had were "what was our income?" and "what was our mortgage payment or rent?". I got to th...
by peregrine
Tue Oct 04, 2016 12:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 323
Views: 58863

Re: Roll Call for the Retirement Class of 2017!

My retirement date is July 31, 2017. I am already in phased retirement and am enjoying some of the benefits. An event the other day
clued me in to a potential personal finance problem in retirement. I will detail it in another post.
by peregrine
Mon Apr 04, 2016 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF policies
Replies: 7
Views: 897

Re: TIAA-CREF policies

Thanks everyone for your replies. It is good to know that TIAA-CREF has not been charging people to transfer their accounts. Note that my brother will still have a 403(b) with TIAA-CREF which he is stuck with for the time being because he is still working. He does have a small position in the real e...
by peregrine
Mon Apr 04, 2016 10:57 am
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF policies
Replies: 7
Views: 897

TIAA-CREF policies

My brother has a 403(b) and an IRA (with funds from previous employer) at TIAA-CREF. TIAA-CREF does not offer good choices for his IRA. The lowest cost fund is a large cap fund which charges 31 basis points. My brother is 67 and still working. He plans to work at least another couple of years. He is...
by peregrine
Mon Mar 07, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Widower Social Security
Replies: 4
Views: 487

Re: Widower Social Security

Thanks Mike, I was afraid of that. Even though file and suspend is going away, I guess this brings up another reason not to file for benefits if the spouse is in poor health. In my brother's case his wife's spousal benefits were so much larger than her own benefit that they might have come out ahead...
by peregrine
Mon Mar 07, 2016 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Widower Social Security
Replies: 4
Views: 487

Widower Social Security

My brother's wife died last week. She was 68. She had more than 10 years of Social Security credits but most of it was part time and her benefit would have been low. My brother is 67. He filed and suspended at age 66 and his wife was receiving spousal benefits at the time of her death. My brother is...
by peregrine
Wed Jan 13, 2016 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring, now panicing. about my money.
Replies: 10
Views: 2908

Re: Retiring, now panicing. about my money.

Welcome to the forum! Some things are not clear from your posting. Do you anticipate receiving Social Security or only your military pension? What are your monthly expenses going to be? It will be easier for people to give you advice if they know the answers to these questions. You may have to pay c...
by peregrine
Wed Jan 06, 2016 1:37 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 667
Views: 42494

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

I'll be a pessimist. Not an up year.

1672.35
by peregrine
Tue Dec 08, 2015 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Wife uncomfortable investing in taxable account
Replies: 41
Views: 3290

Re: Wife uncomfortable investing in taxable account

Women in general tend to be more conservative investors than men. It sounds like your wife is definitely one of those on the conservative side. She is afraid of stocks. Is she also afraid of corporate bonds? Corporate bonds can be a way to get some more return if your wife does not perceive them to ...
by peregrine
Tue Dec 08, 2015 9:15 am
Forum: Investing - Help with Personal Investments
Topic: 403b choices
Replies: 25
Views: 3573

Re: 403b choices

All of these companies will offer a different selection of funds. Some of them may offer Vanguard funds. They may also offer other low cost funds. It is a real pain but you need to go through the funds offered by each company and look at the expense ratios. Some Vanguard stock funds are offered in t...
by peregrine
Sun Nov 29, 2015 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: MegaCorp
Replies: 28
Views: 3053

Re: MegaCorp

I agree with previous posters that the behavior you describe is very common for many corporations these days. With a different employer you might find you have even less job security than you do now. You do not sound as though you dislike your job so I do not see any reason to quit. It might help if...
by peregrine
Tue Nov 17, 2015 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 53
Views: 6446

Re: Dental Insurance

You do need to read the fine print on these policies. Generally the insurance company will have a maximum amount they will pay per year. In addition, you may only be able to get 1 crown (or root canal) per year (or every two years or even every five years). The insurance company may also limit the n...
by peregrine
Mon Oct 05, 2015 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Drop HSA to get on my wifes health insurance?
Replies: 5
Views: 865

Re: Drop HSA to get on my wifes health insurance?

OP does not say what his tax bracket is. That could be an important issue. If you spend the money for health care, the money in the HSA is never taxed - unlike 401(k) or IRA. It is a great opportunity to save money for health care. If you have few expenses, consider it a retirement account. You stil...
by peregrine
Thu Oct 01, 2015 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Primary Care Premium
Replies: 20
Views: 2076

Re: Annual Primary Care Premium

I want to reply here because I posted an inquiry about the MDVIP program a couple of months ago. I decided not to go with my doctor in the MDVIP program because I thought it was not the best use of my health care dollar. It was a difficult decision because I had been going to this doctor for 20 year...
by peregrine
Wed Sep 23, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: Insidious Marketing Tricks .. those Community College Courses
Replies: 40
Views: 6096

Re: Insidious Marketing Tricks .. those Community College Courses

I have not gotten any such mailings. This development is an interesting one. Because of reductions in state funding state affiliated institutions are desperate for additional funding and this is the result. The college president has probably at least given his/her blessing to such things so it proba...
by peregrine
Wed Sep 16, 2015 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Should I leave Federal Job for a Private Sector Job?
Replies: 40
Views: 7621

Re: Should I leave Federal Job for a Private Sector Job?

I think the main thing that would concern me here is the large value of your mortgage. It seems as though you live in a fairly high cost of living area and you need both salaries to pay the mortgage. Consider a bad scenario where you work for this new company about 3 years and then get laid off. You...
by peregrine
Fri Sep 11, 2015 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Retirement portfolio
Replies: 1
Views: 371

Re: Retirement portfolio

That depends on how you define a comfortable lifestyle. Generally most people would not be satisfied with Social Security plus what they put in a Roth for 30 years. You do have company stock. I assume you will probably acquire more company stock in the future. Is there any retirement plan at the com...
by peregrine
Thu Aug 20, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Inherited farmland - what to do next
Replies: 23
Views: 3154

Re: Inherited farmland - what to do next

Is the $12,000 the total rent for the land or just your share? $12,000 seems a very low rent for land that is worth a half a million. Was the land being rented for less than market value and if so could you increase the rent? Would that change the situation? You say only one road goes to the land. ...
by peregrine
Wed Aug 19, 2015 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited farmland - what to do next
Replies: 23
Views: 3154

Re: Inherited farmland - what to do next

Is the $12,000 the total rent for the land or just your share? $12,000 seems a very low rent for land that is worth a half a million. Was the land being rented for less than market value and if so could you increase the rent? Would that change the situation? You say only one road goes to the land. W...
by peregrine
Fri Aug 07, 2015 2:57 pm
Forum: Forum Issues and Administration
Topic: [deleted] [SUGGESTION: Include basic stats (age, net worth, asset allocation)... when they post]
Replies: 27
Views: 2477

Re: SUGGESTION: Include basic stats (age, net worth, asset allocation) in one's portfolio when they post

You might not find this information as revealing as you might think. If someone has a high net worth, did this person inherit the money? Did this person perhaps sell a successful business? Note that this does not necessarily mean this person knows anything about investing. Even asset allocation does...
by peregrine
Wed Jul 15, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Concierge Care
Replies: 36
Views: 5591

Re: Concierge Care

I see the benefits of concierge care, but the question to ask is what happens when your doc orders an expensive test (ie. MRI) or medications. Will your insurance provider honor an order from an out of network MD? The $1650 is supposed to include a bunch of tests that insurance will not pay for. MD...
by peregrine
Wed Jul 15, 2015 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Concierge Care
Replies: 36
Views: 5591

Re: Concierge Care

Thanks to everyone who replied. For reference, I have confirmed that Miakis lives in my city and is referring to the same doctor.
by peregrine
Tue Jul 14, 2015 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Concierge Care
Replies: 36
Views: 5591

Concierge Care

My PCP will join MDVIP (a group of doctors providing concierge care) in 3 months. It would cost me $1650 a year to remain his patient. I have been with this PCP for 20 years, would really like to stay with him, and I can afford $1650. Yet I wonder if this $1650 is the best use of my health care doll...
by peregrine
Wed Jun 24, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: Optimize trip to China
Replies: 24
Views: 3622

Re: Optimize trip to China

If you are interested in history Xian is a must. I think you should at least make an attempt to go to Tibet - but do not get your heart set on it. It might be easier to get there by airplane. The altitude adjustment is more difficult that way but it is not that bad. Chengdu is my favorite city in Ch...
by peregrine
Fri Jun 19, 2015 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: New, Looking for Retirement Advice
Replies: 17
Views: 4072

Re: New, Looking for Retirement Advice

If you want to stay at Schwab you should really look into the Schwab ETFs. Their expense ratios are even lower than Vanguard and they do not charge for the trade. You do have to worry about the trade spread but if you do not trade often that is not much of an issue. There are Schwab ETFs correspondi...
by peregrine
Thu Jun 11, 2015 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: HSA reimbursements - to take now or wait?
Replies: 13
Views: 1935

Re: HSA reimbursements - to take now or wait?

The key is what is your marginal tax rate now and what will it be in retirement? HSA money is never taxed if used for health care expenses. Put into HSA as much as you can. If your marginal tax rate is greater now than it will be in retirement, why spend any taxable money now on health care?
by peregrine
Mon Apr 27, 2015 10:09 pm
Forum: Personal Consumer Issues
Topic: Need tips on taking HS student on college tour
Replies: 34
Views: 2984

Re: Need tips on taking HS student on college tour

I think college visits are overrated but they could be useful for your student who has not thought about college that much. You should call the college admissions office ahead of time and they will set you up. If you cannot call ahead you can still go but the admissions office will not be able to se...
by peregrine
Sun Apr 26, 2015 7:09 pm
Forum: Personal Consumer Issues
Topic: Flooring Question - Nebraska Furniture Mart (NFM)
Replies: 6
Views: 1822

Re: Flooring Question - Nebraska Furniture Mart (NFM)

Don't know about vinyl in particular. We got a good price on an Armstrong engineered wood floor at NFM. My husband asked some questions about the installation - he wanted it done a certain way. NFM did not do it that way. We got our own installer.
by peregrine
Sat Mar 28, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: Gift Ideas for 80 Yr Old Grandmother w/ Dementia
Replies: 23
Views: 3850

Re: Gift Ideas for 80 Yr Old Grandmother w/ Dementia

To my late aunt, who had dementia, I gave a digital picture frame. Into the frame I loaded about 100 pictures taken throughout her life. We set up the frame to display the different pictures automatically. It was a big hit.
by peregrine
Tue Mar 03, 2015 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Questions and Review
Replies: 7
Views: 1201

Re: Investing Questions and Review

Lots of questions. I think you need to look at these issues in terms of priorities. 1) Saving for retirement. You have opportunity to put away a lot. For now, however, the $39600 that you are doing should be enough. Maybe do more later. The main reason for the 3 fund portfolio is to reduce investmen...
by peregrine
Sat Feb 28, 2015 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 31
Views: 5367

Re: HSA: spend or invest?

Do you have a feeling for what your tax rate will be in retirement? If your tax rate is lower in retirement, you are better off using the funds in your HSA now rather than paying for your expenses after taxes.
by peregrine
Thu Feb 12, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bogglehead Career Advice
Replies: 42
Views: 4578

Re: Bogglehead Career Advice

There is probably a community college near you with a course on career planning. It might cost you $300-400 but it might be worth it. You can get personal career counseling but it is much more expensive.
by peregrine
Sun Feb 01, 2015 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off $1 million house in 10 years
Replies: 22
Views: 3991

Re: Paying off $1 million house in 10 years

If this is your situation, I do not understand why you do not want a 15 year (or even a 10 year) mortgage. You will get a lower interest rate with the shorter term mortgage.

I do understand that in some parts of the US you really need to pay $1 million to get a decent house.
by peregrine
Thu Jan 29, 2015 6:07 pm
Forum: Personal Consumer Issues
Topic: Save More or Travel More ?
Replies: 17
Views: 2415

Re: Save More or Travel More ?

I also think you should include your family on at least some travel but be selective. Is the place you are going special for some reason? e.g. - it is interesting but you might never go there again - there is a special exhibit while you are there that you might not otherwise be able to see - given t...
by peregrine
Mon Jan 19, 2015 5:02 pm
Forum: Personal Consumer Issues
Topic: Engineered Hardwood
Replies: 29
Views: 3996

Re: Engineered Hardwood

We also have Armstrong engineered wood and are very happy with it. It looks great after two years and we have two cats with claws. That having been said, we have no kids and are very careful to wipe up any spills immediately. If I had kids I think I would be tempted to go with laminate. It may not l...
by peregrine
Sun Jan 18, 2015 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan: How am I doing?
Replies: 16
Views: 2349

Re: Retirement Plan: How am I doing?

One thing to keep in mind is that many of these people with multimillion dollar retirement funds have no pension. Is your pension a federal, state or local government pension? Federal government pension would be more secure. State and local government pensions are more likely to change if the govern...
by peregrine
Wed Jan 07, 2015 2:06 pm
Forum: Personal Consumer Issues
Topic: Slovenia And Croatia In May
Replies: 25
Views: 2718

Re: Slovenia And Croatia In May

donall wrote:Plitvice Lakes National Park (Plitvi─Źka Jezera) is one of Croatia's beautiful spots.
+1 One of the most beautiful spots in the world.
by peregrine
Wed Dec 17, 2014 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: HCOL/work longer vs. LCOL/early retirement?
Replies: 6
Views: 1069

Re: Work longer and stay in HCOL area vs. early retirement?

How often do you go to the museums, the theater, the concerts? Are you going every week, month, a few times a year? Are the schools in the LCOL area that much inferior? How much do you like your jobs in the HCOL area? Is the HCOL area stressful in other ways (e.g. traffic, crowds)? Consider that for...
by peregrine
Tue Dec 16, 2014 1:56 pm
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 60
Views: 8408

Re: Any pilots here?

My husband and I are private pilots. My husband has his instrument rating. We have owned a Mooney J model for 10 years. You do not save any money by owning your own plane as opposed to renting, it will probably cost more to buy. You do gain some flexibility. By owning you do not have to reserve the ...
by peregrine
Mon Dec 08, 2014 3:07 am
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 9601

Re: Who Paid for the wedding?

I knew my parents did not have any money to pay for the wedding so I ( the bride) paid for the wedding and it was simple. My husband's family did not expect an elaborate wedding and they did pay for the rehearsal dinner. Some families have traditions of having big weddings. If someone is being press...
by peregrine
Wed Nov 19, 2014 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads
Replies: 3
Views: 1317

Re: New to Bogleheads

You have made a good start. I don't understand keeping Vanguard Health Care, Capital Opportunity and Long Term Investment because you "like" them. The Health Care fund decreases the diversity of your portfolio. Capital Opportunity and Long-Term Investment have higher fees than Total Market. Even if ...
by peregrine
Sat Nov 15, 2014 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding When to Retire
Replies: 47
Views: 7749

Re: Deciding When to Retire

One thing you have not mentioned is Social Security. Do you have 35 years of Social Security wages? Would working another year or two make much difference for Social Security? How much Social Security will you receive at age 70? How much would your husband receive? Could you live off that? You might...