Search found 188 matches

by ilovedogs
Fri Jun 29, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 3853

Re: Best way to clean eyeglasses?

I use running water and dry with a paper towel.
by ilovedogs
Tue Feb 27, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: March vacation
Replies: 9
Views: 994

Re: March vacation

Thanks for the suggestions. I expect to stop in Asheville and areas nearby, then continue on to New Orleans, and then come back in the same vicinity and do more exploring. I appreciate the ideas!
by ilovedogs
Sun Feb 25, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: March vacation
Replies: 9
Views: 994

Re: March vacation

Thanks for the suggestions!
by ilovedogs
Sun Feb 25, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: March vacation
Replies: 9
Views: 994

March vacation

In mid March I have two weeks off before starting a new job and am looking for ideas on where to travel on the east coast. I will be traveling in a car with two dogs and likely staying at Airbnb locations. Right now I am considering going to New Orleans. I'd like to hear about any good trips or thin...
by ilovedogs
Tue Feb 06, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Advice on Plan
Replies: 12
Views: 683

Re: Requesting Advice on Plan

Tal, Re the real estate, I have a tremendous gain on the three family and it's the right time to sell. It's two hours away and I am getting too busy to take care of the issues that come up. I also don't use the vacation property enough, so will sell it (and not buy another). I lived in my own house ...
by ilovedogs
Tue Feb 06, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Advice on Plan
Replies: 12
Views: 683

Re: Requesting Advice on Plan

What about putting your equity to work for you? Can you get a home equity line of credit for the $85k as an option? Probably would get a better rate than the student loans. Alternately, get a second mortgage and pay off all of your loans. Certainly it will better than 9-11% and likely better than 5...
by ilovedogs
Tue Feb 06, 2018 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Advice on Plan
Replies: 12
Views: 683

Re: Requesting Advice on Plan

Usually you can't borrow from a 401k at a previous employer. Are you going to be still working at your current employer while going to school? Or are all of you 401k assets at previous employers? Taking out a $70k mortgage seems MUCH less risky than a 401k loan. Paying yourself the interest also me...
by ilovedogs
Tue Feb 06, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Advice on Plan
Replies: 12
Views: 683

Re: Requesting Advice on Plan

Thanks Watty. I will be a nurse in a few months, and then months later begin a part time program to become a nurse practitioner while working as a nurse. I plan to work for the state at one of its teaching hospitals, because I already am vested in the state pension system from another job. I plan to...
by ilovedogs
Mon Feb 05, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Advice on Plan
Replies: 12
Views: 683

Re: Requesting Advice on Plan

Thanks for the questions. First, fixing boredom took longer than it sounds. I tested my new path and I'm confident it's right. I don't have any mortgages on my properties, and right now don't want one. My sole exception is a plan to take out a $70,000 loan from a 401k so I am paying myself and then ...
by ilovedogs
Mon Feb 05, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Requesting Advice on Plan
Replies: 12
Views: 683

Requesting Advice on Plan

Posting for advice and help is not like my usual personality, but since I cannot seem to decide what to do, I’d appreciate any input, especially anything I missed. Current situation: 1. Mid 50’s and changing careers and becoming a nurse practitioner. (Bored with prior work.) 2. School loans will be ...
by ilovedogs
Thu Jan 04, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 28
Views: 3135

Re: Airbnb - Guide a beginner

Airbnb cancellation fees and policies are important to fully know. You can owe the whole bill even when you canceled.
by ilovedogs
Sat Oct 14, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 7429

Re: Outback Vs Forester Vs CR-V ??

I've owned both an Outback and the Forester and agree with nearly all the comments above. I purchased the Outback after driving and comparing it with Forester and Impreza, and the main difference was the drive. The Outback has a nice drive, very smooth. I drive a Forester now and have what I believe...
by ilovedogs
Thu Sep 21, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 28627

Re: I won the Lottery. Need sound advice.

When I had a large lump sum and wondered what to do with it, Bogleheads told me to wait a year. Spend a little bit to enjoy it, but hold on to the rest and wait a year and see how it looks then.
by ilovedogs
Sun Aug 06, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Trip to Maine
Replies: 30
Views: 2679

Re: Trip to Maine

I went to Maine last year and plan to go back. I went to Acadia, but to the smaller part -- Acadia includes former military areas now. The main part is heavy touristy but the less traveled part is wonderful. Each morning I went to a park ranger led program about the area. One evening a friend and I ...
by ilovedogs
Mon May 15, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Where do you get your tea ?
Replies: 23
Views: 2755

Re: Where do you get your tea ?

I like Barry's Tea from Cork, Ireland and Bigelow's Black Pomegranate. I can get both from Amazon, but have to be careful with the Barry's Tea selections to be sure I get what I want.
by ilovedogs
Mon May 15, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Adblockers
Replies: 14
Views: 1771

Adblockers

Before posting, I searched for a past post that helped with setting up my Mac. I used the info there to install very useful adblocking on my laptop. That laptop is awaiting a very expensive repair, so I am using something else. It's a Mac Air with all updates. But it does not have my very excellent ...
by ilovedogs
Thu Jan 12, 2017 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 11835

Re: $600,000. Now what?

Brownsfan, When I got to the same level, real estate got my attention. There is an excellent banker/mortgage person in Rochester, NY whose name I got at Bigger Pockets, a real estate forum. He looks at all income and he looks at leases. His name is Jerry Padilla. I had a good experience with him. Go...
by ilovedogs
Thu Aug 04, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Vanguard - is touch ID less secure?
Replies: 12
Views: 1290

Re: Vanguard - is touch ID less secure?

I don't know what you said. I was asked a few years ago to use my voice as a password. You can do it from your phone, but they probably have something else for you.
by ilovedogs
Thu Aug 04, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: Florence, Italy Hotel?
Replies: 18
Views: 1282

Re: Florence, Italy Hotel?

I agree about the hotel Duomo. I only want to say if you ever get a chance to go to Florence in the winter you will meet local people and have a wonderful time. Summer is great, but winter is a surprise.
by ilovedogs
Wed Jul 27, 2016 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 21052

Re: How many folks choose to give inheritance to their children in unequal portions?

I believe people should do with their money what they choose. This is most important. But...... I personally know that leaving most or an equal share to a "better off" sibling can leave a lot of resentment. In my family experience, the better off sibling (married to a millionaire wife) does not "hel...
by ilovedogs
Sun May 31, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: Retirement and Proximity to "Teaching Hospitals"
Replies: 44
Views: 5633

Re: Retirement and Proximity to "Teaching Hospitals"

Minority view here: Been in medicine for 45 years. Now that I am retired I have no intention of spending my final days/weeks/months undergoing complex medical treatment. No "teaching hospital" medicine for me. When the time comes, it comes. Put me in the box and move on! Thanks for saying this. I g...
by ilovedogs
Sat May 30, 2015 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: My son needs a double lung transplant
Replies: 41
Views: 8429

Re: My son needs a double lung transplant

Thanks for your thoughts. How does one find the best attorney for SS benefits in any particular region? My son has talked to one attorney referred through a friend but it would be surprising to me if they turned out to be the best. Since the consensus of information in the responses to my query app...
by ilovedogs
Fri May 29, 2015 6:24 am
Forum: Personal Finance (Not Investing)
Topic: My son needs a double lung transplant
Replies: 41
Views: 8429

Re: My son needs a double lung transplant

Tom, I just wanted to chime in to add this: the best social security attorney where I am in the northeast PREFERS that his office files the initial application. It cuts down on errors and increases the chance of success. I wanted to add this because I read that someone above said lawyers don't want ...
by ilovedogs
Sun Apr 12, 2015 6:50 pm
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 10386

Re: How should I name my home Wi-Fi network?

I didn't use it myself, but when my Mac showed me the networks available I found one of them ingenious: home. The network was called home.

I don't like to use a name that people can connect to me easily, after many hackings into my email. Sometimes the obvious is the best.
by ilovedogs
Mon Mar 16, 2015 9:45 am
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 17735

Re: John Bogle's Don't Peek Challenge

Not a chance. I have too many transfers in and out at irregular times and it would be irresponsible not to read messages about them and check up on things.
by ilovedogs
Wed Mar 11, 2015 3:17 pm
Forum: Investing - Theory, News & General
Topic: Loans from 401k -- back door investing?
Replies: 11
Views: 1578

Re: Loans from 401k -- back door investing?

P.S. Etrade told me there are no fees or costs to do this other than the interest I pay back into my own account. My 401k is currently with Vanguard, but I am moving it so I can do this. (Vanguard does not allow loans.) I am a moderately conservative person and this struck me as the right way to go ...
by ilovedogs
Wed Mar 11, 2015 3:05 pm
Forum: Investing - Theory, News & General
Topic: Loans from 401k -- back door investing?
Replies: 11
Views: 1578

Re: Loans from 401k -- back door investing?

livesoft wrote:If you take a loan, take the maximum since the fees will be a lower percentage of loaned amount. That is, don't bother with a small loan.
I agree. Thanks for the reminder.
by ilovedogs
Wed Mar 11, 2015 2:58 pm
Forum: Investing - Theory, News & General
Topic: Loans from 401k -- back door investing?
Replies: 11
Views: 1578

Re: Loans from 401k -- back door investing?

livesoft, you said this in #4 above: "The interest rate charged was higher than the yield of the bond fund, so the effect was similar to making slightly larger 401(k) contributions." This is the the background for my post. The loan is from a bond fund, and I know the loan can be paid back, and I mig...
by ilovedogs
Tue Mar 10, 2015 12:53 pm
Forum: Investing - Theory, News & General
Topic: Loans from 401k -- back door investing?
Replies: 11
Views: 1578

Loans from 401k -- back door investing?

I apologize if I'm missing something, but as I was looking into taking a small loan from my solo 401k (and moving it to Etrade because Vanguard does not allow loans), I realized I did not care about having to pay it back with interest because the money goes right into my account. From what I learned...
by ilovedogs
Tue Mar 10, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: solo 401k that allows loans
Replies: 8
Views: 1149

Re: solo 401k that allows loans

Etrade was great to talk to. I have the contact info for the person who will guide me through it. When he did not know an answer on the phone, he went and got it. He also told me I can keep the money in the same Vanguard fund, just at Etrade. The loan provision does not cost me anything from Etrade....
by ilovedogs
Tue Mar 10, 2015 11:31 am
Forum: Personal Finance (Not Investing)
Topic: solo 401k that allows loans
Replies: 8
Views: 1149

Re: solo 401k that allows loans

Spirit Rider wrote:
Greatness wrote:Fidelity allows loans. Up to the max, 50k.
I do not believe this is true for Fidelity Solo 401k plans.
That's right. I was just on the phone with Fidelity and they do NOT allow loans from SOLO 401ks.
by ilovedogs
Mon Mar 09, 2015 9:07 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 57482

Re: Will you buy an Apple Watch?

No. I've used Apple products exclusively since 1986, but I have never been on its consumer bandwagon buying things I do not need.
by ilovedogs
Mon Mar 09, 2015 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: solo 401k that allows loans
Replies: 8
Views: 1149

solo 401k that allows loans

Can anyone recommend a solo 401k company that allows loans? Currently, mine is at Vanguard but I have to find a new place since Vanguard's i401k does not permit loans. I don't want to get into the reasons for the modest loan; I already determined how it will be paid back and that it's the best choic...
by ilovedogs
Fri Feb 20, 2015 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Doing Taxes on Real Estate in Multiple States
Replies: 6
Views: 450

Doing Taxes on Real Estate in Multiple States

I own three properties in different states bordering each other. I run the numbers for selling and renting very often. To my surprise, if I don't sell but improve and rent them, I have a very nice income, before taxes. In this discussion, I am NOT discussing the income and expenses for the propertie...
by ilovedogs
Mon Feb 09, 2015 2:27 pm
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 104484

Re: Mr. Money Mustache: Hero or Foolish?

And you don't get to fly to Hawaii for 2 weeks with your whole family on a $25k budget. Why not? IIRC, he stayed in someone's vacation rental in exchange for doing work on said rental. So while technically he bartered his labor in exchange for lodging, he didn't actually spend money on lodging. Exc...
by ilovedogs
Tue Jan 27, 2015 5:21 pm
Forum: Personal Consumer Issues
Topic: Adopting
Replies: 29
Views: 3408

Re: Adopting

Thanks for all the thoughtful replies! There is a wealth of information here for me to consider. I am making a pdf and a pdf of the other thread that was linked to. I'm grateful for the willingness to share these experiences. There is a lot to think about.
by ilovedogs
Tue Jan 27, 2015 5:18 pm
Forum: Personal Consumer Issues
Topic: Adopting
Replies: 29
Views: 3408

Re: Adopting

I and my brother are adopted. Things did not work out well. I should warn you that this is a very sad story. I don’t want to discourage you, because I think that adoption is a wonderful thing. But it might be helpful to hear one way that things can go bad. My brother and I were adopted when a few d...
by ilovedogs
Tue Jan 27, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: Newer washing machine freaks out dog
Replies: 44
Views: 6914

Re: Newer washing machine freaks out dog

Because a new machine may have the same type of noise, I'd suggest work on training your dog and have fun with it. Make it enjoyable.
by ilovedogs
Sun Jan 25, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: Adopting
Replies: 29
Views: 3408

Re: Adopting

Jack, I very much appreciate your reply, the link, and what you shared. I am a single woman, and my plans to adopt when I was older began when I was a little girl, which is just the plain truth. ("When I grow up, I want to adopt....") I have loads of experience with being an attorney for children, m...
by ilovedogs
Sun Jan 25, 2015 11:56 am
Forum: Personal Consumer Issues
Topic: Adopting
Replies: 29
Views: 3408

Adopting

Respectfully, I would like to hear the experiences and views of people who adopted and people who were adopted. I first thought about adopting when I was six years old. I am a lot older now, and I believe it is the right time. I'd appreciate hearing from people about everything they learned. Thank y...
by ilovedogs
Thu Jan 08, 2015 3:10 pm
Forum: Personal Consumer Issues
Topic: What's in your car emergency kit?
Replies: 52
Views: 5748

Re: What's in your car emergency kit?

This came as a press release from our governor's office after some calamity was in the news: · Equip your car with emergency supplies including sand, shovel, flares, booster cables, rope, ice scraper, portable radio, flashlight, blankets and extra warm clothes;
· Inform a responsible person of your ...
by ilovedogs
Thu Jan 08, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 25990

Re: WHY is retirement enjoyable / something to look forward

Why is retirement enjoyable/something to look forward to? My experience very early in my career as a lawyer is I wasn't going to be paid for the things that really attracted me and the things I had to do were not enjoyable most of the time. I tried many ways to change that, but it wasn't enough. Ret...
by ilovedogs
Fri Nov 07, 2014 2:15 pm
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 7074

Re: What do you set your thermostat to (in F)?

abuss368 wrote:We set it to 50 degrees! Just put on extra layers of clothing! Is that not the Boglehead way?
Me too! But I'm away a lot and appreciate the warmth where I go!
by ilovedogs
Tue Sep 23, 2014 8:34 pm
Forum: Personal Consumer Issues
Topic: What did you always wish for but never got?
Replies: 87
Views: 9119

Re: What did you always wish for but never got?

I wanted a piano and to take piano lessons.

My sister who is several years younger and was born at a wealthier time for our family is the one who got the piano and told to take lessons. She became a musician and music educator and married a music educator and conductor.
by ilovedogs
Mon Nov 18, 2013 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Married at/after 50
Replies: 109
Views: 12633

Re: Getting Married at/after 50

Okay, here's an update to an old thread. I don't regret anything I said, and a discussion board is a DISCUSSION board. I wanted to learn what QUESTIONS to ask since I felt a lack of knowledge about what to even think about. I am grateful for all the conversation. I learned a lot!! I won't be marryin...
by ilovedogs
Thu Aug 22, 2013 9:21 am
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 8911

Re: Drying clothes in the sun - worth the hassle?

I use a large drying rack in a spare bedroom and hang some things on a shower bar. This began because my first dog when I was a new home owner loved to pull down my clothes when he was bored. I've done it this way ever since and probably always will. There's a dryer in the house that I use to put th...
by ilovedogs
Wed Jul 31, 2013 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: What is The Best Annuity Possible (SPIA)?
Replies: 3
Views: 863

What is The Best Annuity Possible (SPIA)?

I am helping a 71 year old male friend, who has the opportunity to receive an annuity as the resolution of a longstanding legal dispute. This is the financial compensation to settle the dispute and what he prefers (not a lump sum). His education ended at 7th grade, but he understands money. He has s...
by ilovedogs
Sun Jun 02, 2013 7:05 pm
Forum: Investing - Theory, News & General
Topic: Article -Will US workers ever be able to retire
Replies: 26
Views: 2593

Re: Article -Will US workers ever be able to retire

My experience is people are making plans that don't easily show up in statistics. Move in with a sibling late in life, or a friend, or whatever. Move into a rent regulated apartment, and plan as much as you can for a nice location for that. Today I visited with a dear friend who will be pet sitting ...
by ilovedogs
Sun Jun 02, 2013 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: benefit of buying a home now?
Replies: 20
Views: 2890

Re: benefit of buying a home now?

This sentence caught my eye: "Last year was a better time to buy than now." It seems to confirm the very regional experiences we have. I live in a city on the East coast and my volunteer work helping neighbors facing foreclosure because I was good at it.... brought me into contact with their circums...
by ilovedogs
Sun Mar 31, 2013 10:42 am
Forum: Personal Finance (Not Investing)
Topic: NY State Pension/Annuity Income Exclusion
Replies: 3
Views: 605

Re: NY State Pension/Annuity Income Exclusion

I'm not an expert -- and many people on this board are experts. But I would question your accountant about this again. The annuity from the nonprofit sure sounds like a corporate annuity to me. NY law recognizes many types of corporations. At least your accountant can tell you which part of the law ...