Search found 23 matches

by MilkMoney
Sun Jan 14, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning (Input Requested)
Replies: 14
Views: 1653

Re: Estate Planning (Input Requested)

Any experience with issues using powers of attorney that are more than a few years old, etc. (By the way, Vanguard doesn't accept a general durable POA except in the case of complete incapacity, which is something that may be difficult to get a doctor to sign off on. Vanguard wants their own Agent ...
by MilkMoney
Sun Jan 14, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning (Input Requested)
Replies: 14
Views: 1653

Re: Estate Planning (Input Requested)

Wannabe, Can you help me understand how having a will with NO trust provides the "second step up" you mention? thanks That attorney is right about this: you should consider updating your plan. You should probably do this even if you'll stick with your revocable trust. Most older trusts hav...
by MilkMoney
Sat Jan 13, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning (Input Requested)
Replies: 14
Views: 1653

Re: Estate Planning (Input Requested)

What was setup was a revocable living trust for both myself and my wife. Upon our death it calls for a "Sprinkling" trust administered by our appointed Trustee until the youngest child reaches 25. At that time it equally splits remaining property into to a reservoir trust for each child, c...
by MilkMoney
Sat Jan 13, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning (Input Requested)
Replies: 14
Views: 1653

Estate Planning (Input Requested)

Sometime back my wife and I had a will and trust setup. We refinanced several properties years ago, and when we did had to take them out of ownership in the trust. We were negligent in having them put back under the trust, and contacted an attorney to get that done. When I spoke with him, he said it...
by MilkMoney
Sat Dec 09, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 1437

Re: carefirst or Kaiser Rockville Md

We live in the Rockville area, and have had Kaiser for many of the past 15 years, except when they weren't an option with our employer. We have always been happy with the service, and both of our children were born while they were our provider. The facilities they have in the DC area are excellent. ...
by MilkMoney
Mon Dec 09, 2013 10:44 am
Forum: Personal Investments
Topic: 401K choice advise
Replies: 5
Views: 816

Re: 401K choice advise

Thanks everyone for the input!
:sharebeer
Jeff
by MilkMoney
Fri Dec 06, 2013 2:51 pm
Forum: Personal Investments
Topic: 401K choice advise
Replies: 5
Views: 816

Re: 401K choice advise

We look at our portfolios as one whole, so will offset the allocation with out Fidelity and Vanguard funds as appropriate. I'm just looking for thoughts on what the best options are with her new choices.

thanks,

Jeff
by MilkMoney
Fri Dec 06, 2013 2:15 pm
Forum: Personal Investments
Topic: 401K choice advise
Replies: 5
Views: 816

401K choice advise

My wife just started a new job at a non-profit and I am working through the fund selection for her 401K. All of our tax deferred accounts are with Vanguard or Fidelity split in a 4 fund portfolio, with taxable at Vanguard in VWIUX or iBonds. We have a 60/40 allocation with 35% of stock in Internatio...
by MilkMoney
Tue Jul 30, 2013 7:48 am
Forum: Personal Consumer Issues
Topic: Family vacation - need some bogle wisdom
Replies: 18
Views: 2399

Re: Family vacation - need some bogle wisdom

I would make some additions for your 6 year old. The Natural History Museum and Air and Space are great (I work a few blocks from them and we take our kids regularly), but there is only so much time you can get a 6 year old to spend in a museum. I would include a visit to the National Zoo and maybe ...
by MilkMoney
Fri Jul 26, 2013 7:25 am
Forum: Investing - Theory, News & General
Topic: 72% 401K Contribution - My Wife Worries People Will Wonder!
Replies: 53
Views: 8148

Re: 72% 401K Contribution - My Wife Worries People Will Wond

My wife works W2 contract positions, so there is always uncertainty about contract length and how long she will have between jobs. She does a 75% contribution rate regularly to make sure we don't miss maxing out her contribution. Other than the occasional double-take from HR she has never received a...
by MilkMoney
Wed Jul 24, 2013 2:11 pm
Forum: Personal Investments
Topic: Portfolio/Plan Review
Replies: 5
Views: 841

Re: Portfolio/Plan Review

Thank you for the feedback, dbr, it is much appreciated!
by MilkMoney
Wed Jul 24, 2013 8:35 am
Forum: Personal Investments
Topic: Portfolio/Plan Review
Replies: 5
Views: 841

Re: Portfolio/Plan Review

Morning bump for comment. Thanks, Jeff
by MilkMoney
Tue Jul 23, 2013 1:54 pm
Forum: Personal Investments
Topic: Portfolio/Plan Review
Replies: 5
Views: 841

Portfolio/Plan Review

Thank you in advance for reviewing my portfolio, providing your thoughts and making recommendations! I have been silently following this forum for several years and certainly learned a lot from this group. The bogglehead logic wasn't far off from my past strategy but this group has given me great kn...
by MilkMoney
Thu Feb 16, 2012 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to best broach the I'm underpaid subject at work.
Replies: 67
Views: 6056

Re: How to best broach the I'm underpaid subject at work.

I would say that a lot of the advice that has been given revolves around communication and there seems to be a lack of that between you and your boss. You walked into a review expecting a 10% raise and a promotion. You were shocked when you didn't get either and your boss felt he was and has been ge...
by MilkMoney
Wed Feb 15, 2012 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property
Replies: 4
Views: 643

Re: Rental property

30% has been the norm for the last several years, at least in my experiance.
by MilkMoney
Tue Feb 07, 2012 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Day Care / Child Care - Discussion
Replies: 39
Views: 3608

Re: Day Care / Child Care - Discussion

I'm in the Washington DC suburbs and pay about $70/day. We could do this for less, but this is one area where my wife and I choose without cost as a variable in the decision. When we first started looking I went through my company's HR department. They provided a list of care providers that they had...
by MilkMoney
Mon Feb 06, 2012 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: embezzlement for dummies
Replies: 27
Views: 4020

Re: embezzlement for dummies

I would recommend that you review some of the material at http://www.acfe.org, particularly the Report to the Nation on Fraud. As everyone has mentioned, regular audits are most certainly a necessity. If you look at the graph they have on how fraud is detected the most prevalent is through tips. The...
by MilkMoney
Thu Feb 02, 2012 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: How many hours do you work?
Replies: 37
Views: 4275

Re: How many hours do you work?

I selected 50, but I consistently average 55 hours a week. On occasion, and to my wife’s chagrin, I can reach 70 hours.
by MilkMoney
Sun Jan 29, 2012 9:37 pm
Forum: Investing - Theory, News & General
Topic: POLL: How many funds do you hold?
Replies: 49
Views: 5053

Re: POLL: How many funds do you hold?

Three in my Vanguard IRA account, only two in my 401K due to the poor choices
by MilkMoney
Wed Jan 18, 2012 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Hacked -- how?
Replies: 62
Views: 8568

Re: Credit Card Hacked -- how?

They don't make much of either. There selling both for pennies on the dollar and praying off people that think they can get something for nothing. It adds up with volume and in a lot of cases the perpetrator is in another country.
by MilkMoney
Wed Jan 18, 2012 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Hacked -- how?
Replies: 62
Views: 8568

Re: Credit Card Hacked -- how?

They buy airfare vouchers and then sale them on craigslist. Of course when they go to redeem the vouchers there no good, but in the time it takes you to notify your card company and have the charge cancelled the deal is done. As for how could someone have acquired your card information; the possibil...
by MilkMoney
Mon Jan 16, 2012 10:32 pm
Forum: Personal Consumer Issues
Topic: Need some advice on shredder
Replies: 39
Views: 3878

Re: Need some advise on shredder

I would avoid the strip shredders. There are free programs out there where someone can scan the strips and rebuild the pages in a matter of seconds. It's easy to say that "I'm not a target, so why should I worry about such things", but there are lots of people out there looking for the bas...
by MilkMoney
Mon Jan 16, 2012 10:20 pm
Forum: Personal Consumer Issues
Topic: Quesitons about Hi E Washers--Whirlpool
Replies: 28
Views: 2544

Re: Quesitons about Hi E Washers--Whirlpool

We had a Cabrio Washer and it wasn't a pleasant experience. Less than a month after the warranty ran out the machine we started receiving an error code and the machine wouldn't drain. I did a little research on the issue and found that there was a known issue with the computer board. After a few cal...