Search found 1502 matches

by J295
Sun Aug 19, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 68
Views: 14000

Re: This is Unbelievable - another Vanguard customer support odyssey

Accounts at VG and Fido. In our experience Fido provides significantly better online and telephone experiences.
by J295
Sat Aug 18, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 49
Views: 4123

Re: Edward Jones rep door knocking

There are appropriate instances for using advisors including EJ. Very uncharitable to castigate an entire profession and company based on biases grounded in limited personal experiences or attachment to DIY.
by J295
Sat Aug 18, 2018 6:12 am
Forum: Personal Finance (Not Investing)
Topic: My Wife is going to do an independent contracting job-401k?
Replies: 10
Views: 595

Re: My Wife is going to do an independent contracting job-401k?

Very easy. We use Fidelity. Painless. Research as much as you want, but I don’t think it requires a lot of research or deep diving.
by J295
Fri Aug 17, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Non-owner contributing to home renovations: what's fair?
Replies: 39
Views: 2290

Re: Non-owner contributing to home renovations: what's fair?

Some sort of equation is a good idea. The one suggested above is reasonable. If you want to discount the 2% in the hypothetical, discount it because they are maintenance/cosmetic items if that’s what makes everybody feel good. Come up with a percentage now and apply it when never trigger event occur...
by J295
Fri Aug 17, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help with ACA Planning Resources?
Replies: 5
Views: 463

Re: Help with ACA Planning Resources?

Go to the Kaiser website. You can find it on Google. It will give you the current modified adjusted gross income limitations to qualify for premium tax credit. Technically, when dealing with premiums, the correct term is premium tax credit. Some plans do offer subsidies for insured’s share of medica...
by J295
Fri Aug 17, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 13
Views: 987

Re: Free Tire Change of Flat

FYI, I don’t know whether it was because I am a plus member, or because they were running their Michelin special, but the premium package and the installation we’re both free, along with a $70 discount on the four tires I purchased. The specials run every month or two, so when I need new tires I jus...
by J295
Fri Aug 17, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 13
Views: 987

Free Tire Change of Flat

A while back I posted an inquiry about roadside assistance programs. We do not belong to AAA. Some of the replies advised that certain credit cards provide roadside assistance as part of the benefit package. I very much appreciated that information I wanted to let the group know that Sams Club premi...
by J295
Tue Aug 14, 2018 6:23 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 554
Views: 32408

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Ahh ... so "it's different this time" regarding still holding international? I recall that "it's different this time" regarding all equities in 1987, 2000-01, and again in 2007-08 .... Personally, our financial situation hasn't altered materially so our IPS (and allocations, including 1/3 of equitie...
by J295
Mon Aug 13, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Can the greedy 'Private Bank' make any money off my index funds?
Replies: 21
Views: 2094

Re: Can the greedy 'Private Bank' make any money off my index funds?

You describe them in such pejorative terms. It seems odd to me that given your perspective on that organization you would choose to do business with them, regardless of your apparent enjoyment of certain services. If I’m in business with someone and I have a question, I ask them. That’s the nature o...
by J295
Sun Aug 12, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 27
Views: 2021

Re: Tipping lawn service and trash pickup

Go ahead and do it.
by J295
Sat Aug 11, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Private Banking is a trap. Don't do it!
Replies: 55
Views: 6941

Re: Private Banking is a trap. Don't do it!

Have a direct conversation with them.
by J295
Fri Aug 10, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7408

Re: Rude response from boss re: market adjustment

I was never part of an organization with this type of hierarchy. However, the response seems clear. If this person is the decision-maker and my direct report/boss, I would conclude that I have a clear answer and stand down on further dialogue.
by J295
Thu Aug 09, 2018 7:04 am
Forum: Investing - Theory, News & General
Topic: If it were March, 2000, would you still allocate 50% to Stocks?
Replies: 94
Views: 4289

Re: If it were March, 2000, would you still allocate 50% to Stocks?

Our allocations are impacted by factors other than current market valuations.
by J295
Wed Aug 08, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: Contributing to HSA Provider Discussion - BAML
Replies: 3
Views: 345

Re: Contributing to HSA Provider Discussion - BAML

We have been pleased with our administrator at healthsavings.com

We are invested in a Vanguard fund there

We fully fund it and don’t make any withdrawals.
by J295
Tue Aug 07, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 33
Views: 3558

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

Have dad call his insurance agent and see if injury to these contractors and any injury to his home is covered under his homeowners policy (and umbrella).
by J295
Tue Aug 07, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Relaxing - quieting the mind
Replies: 47
Views: 2942

Re: Relaxing - quieting the mind

I had three principles for stress reduction when I was working – – prayer, nutrition, exercise. They provided stress reduction, but were not a panacea. You may be hardwired to experience more stress – – I was. The cold hard truth in my case was that retiring early and having a less stressful existen...
by J295
Mon Aug 06, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 20053

Re: "Don't Obsess About Expense Ratios"

Fidelity and Vanguard customer.

With Fidelity for more than 35 years. Vanguard something like five years.

I find Fidelity service to be superior to Vanguard, and that is highly important to us
by J295
Mon Aug 06, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Added as joint account owner - Is it a gift (gift/estate tax)? Is it a good idea?
Replies: 16
Views: 1189

Re: Added as joint account owner - Is it a gift (gift/estate tax)? Is it a good idea?

I suggest a joint account in this case is a bad idea. Respectfully, let’s say you were made a joint owner and you have financial difficulties, marital difficulties, an accident not fully covered by insurance, etc. and someone with a financial claim against you decides they want to pursue this accoun...
by J295
Sun Aug 05, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 6995

Re: "Skin in the game"

OP ... I agree.
One size does not fit all.
by J295
Sun Aug 05, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14248

Re: Will you pay for your kids' college/graduate education?

We planned to pay for undergraduate wherever the child wanted to attend and that's what we did. It was expensive for private schools of course (over $60k per year for room and board 10 years ago). While we don't have an unlimited amount of $$$, it was not a financial burden (and it helped tremendous...
by J295
Fri Aug 03, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5293

Re: Comfort level with Credit Card Balance

Pay in full monthly
by J295
Fri Aug 03, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Need help to sell family farm.
Replies: 41
Views: 5543

Re: Need help to sell family farm.

In my professional life before retirement I was involved in sales of a wide variety of assets, including farmland. If I were in your situation I would do some due diligence on potential ag real estate agents/auctioneers, then hire one. I would absolutely not take this on as a do it yourself project.
by J295
Thu Aug 02, 2018 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Payoff rental property or invest in the market
Replies: 15
Views: 1448

Re: Payoff rental property or invest in the market

Personally, we don’t care for debt so if it were us we would pay it off. I know we chose not to borrow against our paid for house in order to invest per our asset allocation As an aside, one of our friends is part of a family that owns a large local bank, and also owns a substantial interest in a pu...
by J295
Thu Aug 02, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable giving strategy
Replies: 43
Views: 2229

Re: Charitable giving strategy

Perhaps this might be helpful… We typically give to organizations that we are involved with as volunteers, and also to those organizations where a friend or acquaintance is soliciting funds. One organization you might find particularly attractive is St. Vincent de Paul. In our community, which I thi...
by J295
Thu Aug 02, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: How long have you been retired and how much have you spent on health out of pocket?
Replies: 18
Views: 2005

Re: How long have you been retired and how much have you spent on health out of pocket?

Retired at 53 five years ago.

Have an HSA and keep track of expenses. Most of premiums are paid through premium tax credit.

Total for myself and spouse is approximately $11,000 during these five years for everything other than premiums.
by J295
Thu Aug 02, 2018 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Health and cognitive issues at age 80 and beyond...and managing finances
Replies: 17
Views: 2166

Re: Health and cognitive issues at age 80 and beyond...and managing finances

Gill » Wed Aug 01, 2018 5:56 pm ralph124cf wrote: ↑Wed Aug 01, 2018 5:21 pm I understand that bank trust departments are not great, but they may be the only game in town. Ralph Sad to hear such a comment after spending my entire career managing the financial lives and many related personal matters ...
by J295
Wed Aug 01, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Health and cognitive issues at age 80 and beyond...and managing finances
Replies: 17
Views: 2166

Re: Health and cognitive issues at age 80 and beyond...and managing finances

A couple of quick notes for you on what works for us for my parents. We are 59, they are 85. We all have general durable powers of attorney and powers of attorney for healthcare. Spouses are the first named agent, and a trusted child is the back up agent. We all have estate plans, and lists of asset...
by J295
Tue Jul 31, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Net worth of $3.7M at age 47 - can I retire?
Replies: 126
Views: 14199

Re: Net worth of $3.7M at age 47 - can we retire?

Flying from 30,000 feet here, but from there it certainly looks to me like you can make it work. Perhaps I’ll grab some time later and post again for you, but here are some quick observations from someone who is thoroughly enjoying having retired at age 53 ( married with grown children) ... Under cu...
by J295
Mon Jul 30, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Settle my claim or elevate issue
Replies: 18
Views: 1497

Re: Settle my claim or elevate issue

Take $$ and move on
by J295
Mon Jul 30, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Buying an electric golf cart
Replies: 6
Views: 800

Re: Buying an electric golf cart

We have club car, but I think most of the major Brands are ok. I think Trojan batteries are generally considered the best Ask around with other local cart owners to find out if there is a good service vendor available. I have a great service guy that we use. Things do happen occasionally, and good s...
by J295
Mon Jul 30, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: PSA: Venmo Privacy Issues
Replies: 11
Views: 1537

Re: PSA: Venmo Privacy Issues

It’s not rocket science. When I got on Venmo I saw that I could see all the other users transactions, and thought I don’t want someone to see all of mine. So I went to settings, switched it to private. End of story
by J295
Mon Jul 30, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Use attorney or software for simple will
Replies: 35
Views: 2548

Re: Use attorney or software for simple will

Use an attorney. You are doing this for your kids, and you want to get it right. A good estate planning attorney will allow for dialogue on issues that you may not have even considered, and which are not likely part of the program operations.
by J295
Mon Jul 30, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: What Should I Do About A Dying Friend's Assets?
Replies: 62
Views: 5319

Re: What Should I Do About A Dying Friend's Assets?

As I understand it, there is no will, there is an estranged family member, and OP’s friend may make a will that provides for one sibling but not the other. It is not clear to me from the post, but reading between the lines there may be some issues of legal competency of the friend. I suggest an expe...
by J295
Fri Jul 27, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Decision for Stay at Home Wife?
Replies: 84
Views: 3338

Re: Decision for Stay at Home Wife?

Can’t tell you what to do, but can tell you we had a stay at home parent and it was excellent. Some other observations: 1. The stay at home parent, in my opinion, works much harder than the spouse who goes to work outside of the home. I was the work outside the home parent, and my stay at home spous...
by J295
Wed Jul 25, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Are laminate floors better-wearing than real hardwood?
Replies: 36
Views: 2727

Re: Are laminate floors better-wearing than real hardwood?

We prefer engineered wood floors. We have a dog.
by J295
Tue Jul 24, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Tornadoes in Iowa,Nebraska,KC In August
Replies: 46
Views: 2494

Re: Tornadoes in Iowa,Nebraska,KC In August

I’ve lived in this area my entire life, approaching my sixth decade, and I’ve never worried about tornadoes
by J295
Tue Jul 24, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 7822

Re: Son Hurt at Summer Camp

Pay hourly rates for a consultation with a personal injury lawyer.
by J295
Sat Jul 21, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Garage door experts
Replies: 19
Views: 1403

Re: Garage door experts

Great info. Thanks
by J295
Sat Jul 21, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Garage door experts
Replies: 19
Views: 1403

Re: Garage door experts

Thanks!!

Should now ask… How do I get it down? Sorry to be a nerd about this, but will it be so heavy that it takes two of us to get it down again safely without crashing it down if I try myself?
by J295
Sat Jul 21, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Garage door experts
Replies: 19
Views: 1403

Garage door experts

Springs just broke on our garage door with an automatic garage door opener, and they can’t be replaced until Monday. Vehicle is being held hostage! Neighbor suggested he and I could raise the garage door manually. I know it is heavy. Is it safe for he and I, and the continuing integrity of the garag...
by J295
Thu Jul 19, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 62
Views: 3492

Re: Fake IRS calls - anybody care?

I don’t answer any calls. If they are not in my contact list and don’t leave a message, I block the missed call number.
by J295
Wed Jul 18, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Good to Go, yes/no?
Replies: 21
Views: 1948

Re: Good to Go, yes/no?

Looks fine. Congrats and best wishes.
by J295
Wed Jul 18, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7207

Re: Anyone not have a Budget?

No budget before or after early retirement

Have a good 30,000 foot view of income and expenses

Kept track of expenses in detail for a number of years before retirement
by J295
Tue Jul 17, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question on taxable account in early retirement
Replies: 9
Views: 1062

Re: Quick question on taxable account in early retirement

I think you are basically right regarding the long term capital gains portion. However, I’m assuming you will have other income sources, such as interest and dividends which are taxed as ordinary income, and perhaps some short term capital gains, etc. Sidenote… If you are involved with the affordabl...
by J295
Tue Jul 17, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Employer Contributions for Solo 401k
Replies: 4
Views: 308

Re: Employer Contributions for Solo 401k

I don’t know if the calculators have been updated for 2018, if any updates are needed, but you might try some of the online calculators as some of them indicate the calculations.
by J295
Mon Jul 16, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Class Reunion Fund: How to Hold and Where to Invest?
Replies: 14
Views: 815

Re: Class Reunion Fund: How to Hold and Where to Invest?

OP. How did you arrive at $250 post tax in 10 years at 3 % ? I get a higher amount. As treasurer she should earn some interest regardless of the “hassle.” That’s the volunteer treasurer job. Also consider your school foundation or your community foundation is a place to park the money with a differe...