Search found 768 matches

by patriciamgr2
Sun Sep 17, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 24994

Re: Is a security freeze at Innovis really needed?

thanks! as always, Bogleheads provide the best info.
by patriciamgr2
Sun Sep 17, 2017 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 24994

Re: Is a security freeze at Innovis really needed?

Is anyone else doing a freeze at SageStream? No one seems to mention it - does that mean people consider it unnecessary? TIA for any help.
by patriciamgr2
Fri Sep 15, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 24994

Re: Is a security freeze at Innovis really needed?

SageStream was mentioned by another poster and also by a commenter on a Krebs' article about the Equifax breach. I have read that SageStream is used by online lenders, but I had never heard of it before this week. Have Forum members who have frozen their accounts at other CRA's (which I've done in t...
by patriciamgr2
Thu Jul 27, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do people really buy foreclosures unseen?
Replies: 21
Views: 2459

Re: Do people really buy foreclosures unseen?

REO (bank owned) deals are different from foreclosures where you need to evict the residents; I wouldn't expect the experience to be exactly comparable. In addition to all of the points raised above, I note that in warm climates in particular, mold is a real possibility. If a frig w/ icemaker was re...
by patriciamgr2
Thu Jul 27, 2017 2:05 am
Forum: Personal Consumer Issues
Topic: Where to move? New job, considering Nevada...
Replies: 28
Views: 2742

Re: Where to move? New job, considering Nevada...

Since Tesla plant, Reno/Sparks & surrounding areas are changing IMO. Higher prices, but possibly a more interesting group of neighbors. Reno always had higher prices than Vegas (I think due to tax refugees from Cali). I lived there & in Incline Village briefly; enjoyed them both. IMO 4WD or AWD is m...
by patriciamgr2
Thu Jul 13, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Rent, buy, live at home?
Replies: 7
Views: 919

Re: Rent, buy, live at home?

I suggest you start making faux-mortgage payments to yourself immediately--while you're living at home. You'll have practice living within a tight budget (you need to deposit the amount each month no matter what else is happening in your life) & the extra savings eventually can go towards a higher d...
by patriciamgr2
Wed Jul 12, 2017 11:43 pm
Forum: Investing - Theory, News & General
Topic: "Top 5 posts of all times"
Replies: 17
Views: 4408

Re: "Top 5 posts of all times"

The post was very nice, extremely well-deserved recognition for Taylor Latimore. We're looking forward to the "surprise" too! Best Wishes to Taylor & his loved ones.
by patriciamgr2
Wed Jul 05, 2017 1:51 am
Forum: Investing - Help with Personal Investments
Topic: $800k income from biz sale
Replies: 9
Views: 1856

Re: $800k income from biz sale

At a minimum, split the funds among banking institutions to ensure you have FDIC protection. Savings should never be at risk. Tax planning may be best accomplished through structuring of the sale agreement--are you represented by counsel? Do you have a CPA who is knowledgeable about current and prop...
by patriciamgr2
Fri Jun 30, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: New Article on HEART Act: Military Survivors' Benefits & Roth Rollover
Replies: 0
Views: 269

New Article on HEART Act: Military Survivors' Benefits & Roth Rollover

I recently found this article on Michael Kitces' blog & didn't see it posted here on the Forum. It may be of interest to others on the Forum or to those they informally advise. Because it doesn't apply to me, I haven't verified any assertions. In summary, the article states that military life insura...
by patriciamgr2
Mon Jun 26, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????
Replies: 10
Views: 1036

Re: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????

Thanks so much for all of the excellent replies. I am very grateful for your time & expertise.
by patriciamgr2
Sun Jun 25, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????
Replies: 10
Views: 1036

Re: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????

Thanks Stevie. I appreciate you sharing your opinion.

Runner: Thx for link to Outback site. I had searched Impreza owners' site, but the turbocharged group DIYs & the discussion focuses on performance issues. The Outback site was more helpful.
by patriciamgr2
Sun Jun 25, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????
Replies: 10
Views: 1036

Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????

I own a 3 y/o Subaru Impreza (the boring version, not the zoomy, turbocharged WRX model) with less than 35,000 miles. Repair place recommended servicing (I assume that means cleaning) throttle body and performing an injector flush. I'm not experiencing any performance issues or getting bad mileage. ...
by patriciamgr2
Mon Jun 12, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 265
Views: 23870

Re: KF's Worst Case Retirement Plan [KlangFool's]

This OP is extremely knowledgeable & perhaps has taken all of these into account. As a reference for the rest of us, I note three areas where retirees (whom I've met through volunteer work) encounter retirement "surprises": 1. If part of the savings is in other than taxable accounts, be sure to calc...
by patriciamgr2
Tue Jun 06, 2017 3:02 am
Forum: Investing - Theory, News & General
Topic: DFA Retirement Income Strategies
Replies: 83
Views: 9722

Re: DFA Retirement Income Strategies

Thanks for the links; extremely helpful information. As Grok would say, Cheers!
by patriciamgr2
Mon Jun 05, 2017 2:00 am
Forum: Investing - Theory, News & General
Topic: DFA Retirement Income Strategies
Replies: 83
Views: 9722

Re: DFA Retirement Income Strategies

Thanks very much for posting the DFA and Merton materials, Bobcat2. I always look for your posts because you take the time to share informative publications & presentations. It's very much appreciated.
by patriciamgr2
Tue May 30, 2017 12:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: Memorial Day
Replies: 28
Views: 3104

Re: Memorial Day

Thank You, Taylor Larimore, for your service. Yesterday, my friends & I took time to remember the warriors who did not return home. They, together with all of our veterans, are the brave ones who allow the rest of us to live in the land of the free. Their sacrifice is much appreciated.

Patricia
by patriciamgr2
Tue May 23, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: How do you find a dream/hobby/part-time job?
Replies: 13
Views: 2336

Re: How do you find a dream/hobby/part-time job?

On the recruiter question, you need to find a group that fills not-for-profit positions. To find one, I'd suggest calling a group like Leadership Greater Chicago (where people in politics, not-for-profits and corporations get together 1-2 evenings per month to discuss issues & network). When I w...
by patriciamgr2
Tue May 23, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: How do you find a dream/hobby/part-time job?
Replies: 13
Views: 2336

Re: How do you find a dream/hobby/part-time job?

If you don't have a clear idea of what you love/detest about your current position, do some deep work over several days off & develop that list. Hobbies usually arise from something about which you're passionate--we can't answer that for you.. If you like your actual job, but just want a compara...
by patriciamgr2
Mon May 22, 2017 1:13 am
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 64
Views: 16638

Re: I think I found Rick Ferri

Best Wishes to Messrs. Larimore & Ferri and their loved ones!
by patriciamgr2
Sat Apr 29, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: CCRC Tax Deduction?
Replies: 14
Views: 1283

Re: CCRC Tax Deduction?

The deduction is available assuming the medical expense deduction is still available to individuals. That depends on tax law in effect at the time the expense is incurred, of course. We don't speculate on proposed legislation on this Forum.

Good Luck.
by patriciamgr2
Sat Apr 29, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to consolidate at Fidelity -- any gotchas about transfers?
Replies: 23
Views: 2453

Re: Ready to consolidate at Fidelity -- any gotchas about transfers?

I transferred several accounts from Vanguard to Fidelity. The Client Services Group assigned to me handled all of the paperwork. The one glitch came from inadvertent mistake by Vanguard.

Fidelity fixed that quickly. I received cash bonuses. The customer service was absolutely excellent.
by patriciamgr2
Mon Apr 24, 2017 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 22116

Re: Any regrets living a frugal life for high income/high networth individuals?

If you orient your spending towards what you value most, frugality isn't painful at higher income levels. Even if you're not a "keep up with the Jones Family" sort of personality, spending by people you know can become a baseline of what's normal unless you actively resistthat societal pre...
by patriciamgr2
Fri Apr 21, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 41755

Re: Larry Swedroe says "Goodby."

The post to which I was responding seems to have been deleted. I'll repost my response if his resurfaces.
by patriciamgr2
Thu Apr 20, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 47
Views: 4282

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

Sawhorse: If the situation you described (voluntary admission to a psychiatric facility in a situation an insurer would probably not regard as an emergency) were to occur, I'd suggest discussing insurance coverage BEFORE you enter the facility--first with your insurer & then with the facility. O...
by patriciamgr2
Thu Apr 20, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 47
Views: 4282

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

Another practical suggestion: Often, the provider's billing department can get through to the insurer on a provider line faster than the patient can reach a representative by telephone. Also, with a provider the hospital uses routinely (like the ambulance service they recommended to OP's relative), ...
by patriciamgr2
Thu Apr 20, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 47
Views: 4282

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

Sawhorse: I believe I am reflecting the current state of insurance coverage. I'm not defending this insanity. I repeat my question: is your statement just your opinion of how insurance/medical billing should work in a better world, or are you advising OP he can contest the actual bill successfully n...
by patriciamgr2
Thu Apr 20, 2017 1:37 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 41755

Re: Larry Swedroe says "Goodby."

To Larry Swedroe: I am sorry to see you leave the Forum. I have learned so much from your posts as well as your books. I totally understand your decision, however, after having read some of the threads. I regret not having posted more often to thank you for your contributions. You will be missed. I ...
by patriciamgr2
Wed Apr 19, 2017 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 47
Views: 4282

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

Sawhorse: The OP said this was a transfer the doctor thought was beneficial the day after the patient's admission. It's unlikely it would be considered an emergency. If it's a true emergency (like the writhing in pain situation you described) most policies allow for out-of-network providers. That wa...
by patriciamgr2
Wed Apr 19, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?
Replies: 47
Views: 4282

Re: Does Insurance Have to Pay an Out-of-Network Ambulance Bill in Full?

I'm not aware of any requirement that medical service providers disclose to you that they're not in-network under your policy. In general, a patient is always responsible for determining his own coverage. The fact that a provider "accepts" your insurance does not mean they agree to limit t...
by patriciamgr2
Thu Apr 06, 2017 12:50 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 144
Views: 19220

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Given the strong level of interest, would it be possible for a formal videotaping/editing of the presentations to be implemented this year? [Many thanks to Dr. Rich for his generous participation in the past--however, his lifesaving "day job" keeps him busy presumably.] Personally, I'd be ...
by patriciamgr2
Tue Feb 21, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: Anyone have a house keeper ("Mommy's" helper)?
Replies: 23
Views: 2764

Re: Anyone have a house keeper ("Mommy's" helper)?

If you need someone for a few hours each day, consider structuring an add-on job (before or after a f-t shift) for someone who works in the field (hotel maid, corporate office cleaner, residential cleaner, etc.) near your home. Someone working 7am-3pm could stop by your place 3:30-5:30pm in order to...
by patriciamgr2
Tue Feb 14, 2017 2:30 am
Forum: Personal Consumer Issues
Topic: Anthem Blue Cross - PPO network vs Pathway EPO network
Replies: 12
Views: 1513

Re: Anthem Blue Cross - PPO network vs Pathway EPO network

I have used the Anthem BCBS online tool (Find a Doctor, using your specific ID) successfully. After I use that, I call the Billing Dept [NOT the appointment/nurses station at your favored doctors' offices--often Billing is done by an entirely separate company] and give them the technical name of you...
by patriciamgr2
Mon Feb 13, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident - at-fault driver's insurance dragging their feet
Replies: 22
Views: 2215

Re: Car accident - at-fault driver's insurance dragging their feet

Just saw your latest post. In the case of no personal injury, it may be tough to get a lawyer interested in taking the case on contingency (you pay nothing up front, they take 25-33% of recovery less car repair costs). However, firms that do a lot of this work may be willing to send a letter or nego...
by patriciamgr2
Mon Feb 13, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident - at-fault driver's insurance dragging their feet
Replies: 22
Views: 2215

Re: Car accident - at-fault driver's insurance dragging their feet

Ask your insurer to contact the other drivers' insurer to (1) notify them that, because they have failed to respond, you're planning to contact your own rental car company in 48 hours & will expect full reimbursement of whatever rate you negotiate plus compensation for taxis, etc. in the interim...
by patriciamgr2
Mon Feb 13, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: How & when to sell lots of a single stock with huge capital gains
Replies: 40
Views: 3383

Re: How & when to sell lots of a single stock with huge capital gains

This is one instance where even diehard DIYers might want to consult a CPA with experience working with Silicon Valley stockholders. It's been many years since I've looked at this & tax laws change frequently, but back then if a person had at least 7 figures in value of highly-appreciated stock,...
by patriciamgr2
Fri Jan 27, 2017 12:36 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 10725

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday! You are an inspiration. Best Wishes for the future. Patricia
by patriciamgr2
Mon Jan 23, 2017 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: minimum necessary to retire at defined expense level
Replies: 37
Views: 3843

Re: minimum necessary to retire at defined expense level

I'm sure you've already taken this into account (either by including taxes in your expense estimates or in deducting expected taxes from your savings figure), but I'll repeat it for others' planning. Withdrawals from tax-deferred accounts (either voluntary to meet expenses or required RMD withdrawal...
by patriciamgr2
Fri Jan 20, 2017 4:14 am
Forum: Investing - Help with Personal Investments
Topic: Nearing retirement and looking for allocation/general advice
Replies: 16
Views: 2070

Re: Nearing retirement and looking for allocation/general advice

LilyGator: Welcome to the Forum. As someone who took early retirement myself, I understand the appeal of becoming financially independent early in life. I want to add to the cautious comments by other posters. When I ran my numbers for early retirement at age 42, I used a SafeWithdrawalRate of less ...
by patriciamgr2
Sun Jan 15, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: Who understands REITS?
Replies: 10
Views: 1512

Re: Who understands REITS?

One extra factor with equity REITs is that many of them are heavily leveraged with shorter-term financing. If interest rates increase rapidly, their costs could increase & their distributions decrease. Many investors buy them for cash flow, not for the diversification benefit you describe. Accor...
by patriciamgr2
Thu Jan 05, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 223
Views: 49052

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

What "pooled trust" protects your mother's assets from Medicaid (etc) reimbursement lawsuits? Unless other Forum members are familiar with this asset protection scheme (&, if so, please share information), I'd suggest getting full details on that as well while you're gathering informat...
by patriciamgr2
Thu Jan 05, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Home equity loan for kitchen improvement?
Replies: 19
Views: 1616

Re: Home equity loan for kitchen improvement?

Renovations usually last longer and cost more than one expects. I agree totally with other posters that (1) fixing broken items (anything leaking, for example); (2) totally ruthless decluttering; and (3) extreme cleaning (including washing down walls, vent covers & ceilings) are the best ways to...
by patriciamgr2
Tue Jan 03, 2017 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity/iShares version of VNQ ?
Replies: 15
Views: 1616

Re: Fidelity/iShares version of VNQ ?

IYR is broad based REIT vehicle; expense ratio is in the .45 range; but it contains mortgage REITs unlike VNQ. Unfortunately, it's not commission free - unless you've qualified for free trades by moving cash to Fidelity. Do you plan to make frequent periodic purchases? If not, sticking with VNQ seem...
by patriciamgr2
Mon Jan 02, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Las Vegas Areas and Real Estate
Replies: 12
Views: 1856

Re: Las Vegas Areas and Real Estate

IMO, Summerlin is nicer, but Henderson is MUCH more convenient for the airport. I second the suggestion to stay close to the Anthem area in Henderson. Some of Anthem is age-restricted, which may not be available to you given your college-aged residents. Don't count on public transportation or taxi s...
by patriciamgr2
Fri Dec 30, 2016 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Questions on PMI/Single Payment PMI - Still Tax Deductible in 2017?
Replies: 2
Views: 215

Re: Questions on PMI/Single Payment PMI - Still Tax Deductible in 2017?

I believe the OP in the other thread received a quote on single payment PMI - so based on the link you cited, it would need to be deducted over 7 years. And, I assume that doing a single-pay would be no "lock" on tax deductibility in future years if the tax provision changed. So, it doesn'...
by patriciamgr2
Fri Dec 30, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 14779

Re: I'll never save a 20% down payment. Rent for life?

OP: I started a separate thread to elicit opinions on the issue of single-payment PMI vs. including it in your monthly payment.

Best Wishes to you & your family in the New Year.
by patriciamgr2
Fri Dec 30, 2016 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Questions on PMI/Single Payment PMI - Still Tax Deductible in 2017?
Replies: 2
Views: 215

Questions on PMI/Single Payment PMI - Still Tax Deductible in 2017?

I believe the PATH act provided for PMI to be deductible in 2016, but I can't find whether that is scheduled (or even expected) to be extended for subsequent tax years. Any thoughts, Forum members? If the extension is for 2017 only, would it make sense for someone taking a new mortgage to prepay PMI...
by patriciamgr2
Wed Dec 28, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 14779

Re: I'll never save a 20% down payment. Rent for life?

I'm sorry for the troubles associated with your last home purchase. I really admire you & your wife's resilience & focus on your current situation (instead of just rehashing the past). You understand how expensive home repairs can be & your diligence in paying down debt & then saving...
by patriciamgr2
Wed Dec 28, 2016 2:35 am
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 14779

Re: I'll never save a 20% down payment. Rent for life?

I'm sorry, but I am not familiar with the single pay PMI for which OP said he was quoted a one-time $2,000 upfront fee. Given that some lenders require an appraisal ($250-500 in my neighborhood) and paperwork to remove PMI a few years into the mortgage term & given that it's not clear there will...