Search found 20 matches

by maryznp
Thu Sep 13, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar cost averaging or all in one go?
Replies: 3
Views: 564

Dollar cost averaging or all in one go?

Not happy with performance of conservative investment funds in TSP and Vanguard. Considering moving my retirement savings into funds with higher proportion of stocks to improve returns. Wondering if I should move it all at once, or move it gradually. Retired 2 years ago. Age 68. Keeping a total bala...
by maryznp
Sat Jun 30, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 4511

Re: hybrid or plug-in electric car

My sincere thanks to all for the great information and recommendations.
by maryznp
Fri Jun 29, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 4511

hybrid or plug-in electric car

I drive about 5200 miles per year, generally no more than 20 miles per day, and avoiding highways nearly all the time. For climate change reasons, trying to decide whether to buy a new plug-in, and possibly put some solar panels on my roof to make it a solar car, or go with a hybrid. I like the idea...
by maryznp
Sat Feb 10, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: How to prepare for impact of marked inflation, devalue of dollar
Replies: 10
Views: 1047

How to prepare for impact of marked inflation, devalue of dollar

I retired a year and a half ago and am now living on Social Security and a small government pension (VA nurse). I worked til full retirement age, but then needed to retire due to some health issues. I have about $250K saved, mostly in TSF with some in a Vanguard Roth IRA, conservatively invested. I ...
by maryznp
Tue Oct 31, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 65
Views: 23233

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?

"Sbashore, I am retired with BCBS Basic and Medicare. Was thinking about switching to GEHA. Any thoughts? Am also thinking about suspending BCBS until my wife loses her company coverage. I realize I would have to wait until open season to reapply. Anybody? Tim" Also retired about a year from VA. Tho...
by maryznp
Fri Oct 27, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implications of reissuing Series EE bonds to a trust
Replies: 3
Views: 478

Tax implications of reissuing Series EE bonds to a trust

We are wondering if our Mom should reissue some Series EE bonds to her revocable living trust. Over 10 years ago, Mom added my name to her bonds She wanted me to be able to cash them in the event of her incapacitation or death. Mom, at 92, now has 6 bonds left, which are within 1-2 years of full mat...
by maryznp
Mon Oct 19, 2015 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance premium and inflation
Replies: 0
Views: 477

Long Term Care Insurance premium and inflation

Getting ready to apply for long term care insurance. Have the option of paying a higher premium now, to include a 4% inflation option, or paying a lower premium now, with the option of increasing premiums later to bump up my benefit to keep up with inflation. My question: do we have any idea how muc...
by maryznp
Sat Jun 20, 2015 8:00 am
Forum: Personal Finance (Not Investing)
Topic: buying a home with daughter and son in law
Replies: 17
Views: 4882

Re: buying a home with daughter and son in law

I should have said that the plan to purchase the home was mine. They are not taking advantage of me. They just want me to be closer so that we can provide mutual support. Seems many young people are unable to find jobs that will allow them to have safe homes, raise families, and save for retirement....
by maryznp
Thu Jun 18, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: buying a home with daughter and son in law
Replies: 17
Views: 4882

buying a home with daughter and son in law

Retiring October 2016. Daughter & son in law have invited me to live with/near them. Will sell my California home (fully paid for) and use proceeds to purchase a duplex or home with accessory apt or in law cottage, and they will cover monthly expenses (taxes, repairs, remodeling). Plan is for them t...
by maryznp
Sat Jan 31, 2015 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: All Seasons Portfolio: new Tony Robbins book
Replies: 3
Views: 1191

All Seasons Portfolio: new Tony Robbins book

Reading new book by Tony Robbins, Money: Master the Game. He cites investment allocation strategy of Ray Dalio, All Seasons Portfolio, consisting of: 30% stocks, 15% intermediate U.S. bonds, 40% long term U.S. bonds, 7.5% gold, and 7.5% commodities. The rationale is that the returns for this strateg...
by maryznp
Thu Feb 13, 2014 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: minimizing tax hit from selling rental condo
Replies: 5
Views: 789

Re: minimizing tax hit from selling rental condo

Lived in condo as primary residence from July 2008 thru January 2011. Moved out of town for a better job. Leased the condo from February 2011 to present (currently occupied by tenants). Purchased it for $345K. Best possible sale price in next few months will be $315K. In past 3 years, depreciation h...
by maryznp
Thu Feb 13, 2014 9:47 am
Forum: Personal Finance (Not Investing)
Topic: minimizing tax hit from selling rental condo
Replies: 5
Views: 789

minimizing tax hit from selling rental condo

Converted condo to rental to move for a new job 3 years ago. Planning to sell in 2014. How do I minimize tax implications related to any capital gains, depreciation? How would I calculate it now, so that I can start saving to pay the extra taxes when due next year? Is there anything I can do to bala...
by maryznp
Thu Feb 13, 2014 9:39 am
Forum: Investing - Help with Personal Investments
Topic: TSP + Vanguard--which funds?
Replies: 8
Views: 2149

Re: TSP + Vanguard--which funds?

Thanks everybody! I know what to do now.
by maryznp
Sat Feb 08, 2014 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: TSP + Vanguard--which funds?
Replies: 8
Views: 2149

Re: TSP + Vanguard--which funds?

I have $108K in TSP, invested as follows: 63% Life Cycle consisting of: • 39% G Fund • 7.25% F Fund • 28.75% C Fund • 9% S Fund • 16% I Fund and the rest 37% C Fund Originally, I had 63% in the G-Fund and 37% in the C Fund. Then I converted 63% G into Life Cycle 2020 and left 37% in the C Fund. I ca...
by maryznp
Sat Feb 08, 2014 9:33 am
Forum: Investing - Help with Personal Investments
Topic: TSP + Vanguard--which funds?
Replies: 8
Views: 2149

TSP + Vanguard--which funds?

My question is about investment fund category selection for a retirement savings portfolio, building over the next three years, with about half in the TSP and half in Vanguard. Could I look at this as one portfolio and use each as a vehicle that takes advantage of unique opportunities? In the TSP G ...
by maryznp
Sun Jun 30, 2013 11:40 am
Forum: Personal Finance (Not Investing)
Topic: how/when to cash in EE bonds
Replies: 7
Views: 958

how/when to cash in EE bonds

My 88 year old mom has about $100K in EE bonds. She put my name on them so if anything happens to her, I will be able to cash them in. She is living on social security and some modest pensions from my dad. I'm 63, and hoping to retire sometime in the next 7 years. Our question is--should she start c...
by maryznp
Sun Jul 01, 2012 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: hang onto underwater condo or sell?
Replies: 13
Views: 1794

Re: hang onto underwater condo or sell?

Thanks Honobob for web site showing appreciation rates. Over the last year appreciation rate has been -1.86. Vacant housing rate is 11.86%. Depreciation was figured into loss. Cash flow is negative: Mortgage: $1500/mo Property tax: $4K/year HOA: $384.00/mo Property management: $2K/year Rental income...
by maryznp
Sun Jul 01, 2012 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: hang onto underwater condo or sell?
Replies: 13
Views: 1794

Re: hang onto underwater condo or sell?

1 I don't plan to return, so it will be a lease or sell situation. 2 Zillow estimates it's worth $252K. 3 I think it would be fairly easy to sell it for $250K. 4 Rentals in the neighborhood are increasing a little. 5 I currently have a good tenant. Previous tenants stayed one year, then moved out. 6...
by maryznp
Sun Jul 01, 2012 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: hang onto underwater condo or sell?
Replies: 13
Views: 1794

hang onto underwater condo or sell?

Have a Santa Cruz, CA area condo underwater about $20K. Leased it, but losing $8K per year after tax deductions.
Should I hang onto it hoping market recovers, or pay down the mortgage and sell? Planning to retire in 4 to 10 years.