Search found 803 matches

by patriciamgr2
Sun May 03, 2020 3:08 am
Forum: Personal Investments
Topic: Fidelity SPDA for someone nearing retirement
Replies: 6
Views: 577

Re: Fidelity SPDA for someone nearing retirement

I'm not knowledgeable about annuities, so I have questions rather than answers. I'm sure others on the Forum will be able to share good information with both of us. Given that it's a "deferred" annuity, when do the payments start? Is any portion of the payment you receive a return of your principal ...
by patriciamgr2
Fri Apr 10, 2020 1:06 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Munis Increasingly Risky
Replies: 205
Views: 19704

Re: Larry Swedroe: Munis Increasingly Risky

I'd also love to hear from Mr. Swedroe or others at BAM concerning their current views on muni's.
by patriciamgr2
Mon Mar 09, 2020 8:30 am
Forum: Personal Investments
Topic: Thinking about ROTH conversion on Really Bad Day
Replies: 5
Views: 557

Re: Thinking about ROTH conversion on Really Bad Day

Thanks to all for the prompt responses. Patricia MGer
by patriciamgr2
Sun Mar 08, 2020 11:50 pm
Forum: Personal Investments
Topic: Thinking about ROTH conversion on Really Bad Day
Replies: 5
Views: 557

Thinking about ROTH conversion on Really Bad Day

If I transfer securities in-kind from my traditional IRA to my ROTH on a day when the market has gone down, AFAIK there's no reset if the stock market subsequently goes back up. I'm not a market timer, but I am giving some thought to doing at least part of this year's ROTH conversion earlier than us...
by patriciamgr2
Wed Aug 07, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: How many Years of Medical History/Records should a Patient Save?
Replies: 60
Views: 3485

Re: How many Years of Medical History/Records should a Patient Save?

Again, many thanks to all who are responding. I really appreciate the thoughtful comments. The Bogleheads always come through!
Thanks, Patricia MG-er
by patriciamgr2
Mon Aug 05, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: How many Years of Medical History/Records should a Patient Save?
Replies: 60
Views: 3485

Re: How many Years of Medical History/Records should a Patient Save?

Thanks so much to all for taking the time to reply. Best Wishes, Patricia MG-er
by patriciamgr2
Sun Aug 04, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: How many Years of Medical History/Records should a Patient Save?
Replies: 60
Views: 3485

How many Years of Medical History/Records should a Patient Save?

I've searched for relevant posts, but I didn't see one which addresses the issue of how many years one should retain one's own medical records. My recent (36 months) lab reports, etc. are all digital & are saved. Because I moved frequently for work, I have paper copies of my files from various physi...
by patriciamgr2
Thu Feb 21, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Seek input on yet another LTC insurance question
Replies: 7
Views: 666

Re: Seek input on yet another LTC insurance question

Great points; thanks. For others reviewing my question: This widowed lady has one adult nephew; he supports himself & his large family. My friend doesn't want to burden him with her costs, but there's no expectation by either party that there will be a bequest. Again, thanks in advance for any repli...
by patriciamgr2
Thu Feb 21, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Seek input on yet another LTC insurance question
Replies: 7
Views: 666

Seek input on yet another LTC insurance question

a 64-y/o female friend has about $2.3 in assets; is currently retired; spends less than $50K per year. She is being offered a Mass Mutual 4 year $150/day policy [$219,000 total benefit pool] for $4900 annual premium. 3% compound inflation rider. If the policy had unlimited benefit period, I'd think ...
by patriciamgr2
Fri Jan 18, 2019 12:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Learning Module for Schools
Replies: 3
Views: 515

Re: Vanguard Learning Module for Schools

Thanks for the link! If anyone has any personal experience with this, I'd love to hear about it. Best Wishes.
by patriciamgr2
Thu Jan 17, 2019 3:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Learning Module for Schools
Replies: 3
Views: 515

Vanguard Learning Module for Schools

I have seen references to Vanguard offering a program (of some sort) to high schools to promote financial literacy. Has anyone on the Forum arranged for a school to receive this information or had kids who went through the program? Before I contact Vanguard, I wanted to get some background informati...
by patriciamgr2
Wed Jan 16, 2019 10:09 pm
Forum: Investing - Theory, News & General
Topic: The Bogle Rule
Replies: 24
Views: 5004

Re: The Bogle Rule

The Bogle Rule? Now that would be a very fitting tribute to Mr. Bogle and one which he would cherish!!! I vote yes to infinity.
by patriciamgr2
Tue Dec 25, 2018 2:20 am
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 13070

Re: My Christmas Present To You

Dear Taylor Larimore: Thank you so much for your service--both in the military and as part of the Bogleheads community. My thoughts are with you & yours in spirit onboard this Christmas for what sounds like a memorable & sentimental journey. Please accept my very warmest wishes for a Merry Christmas...
by patriciamgr2
Tue Dec 18, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: TCJA 2017 Impact on Tax Gain Harvesting Strategies
Replies: 2
Views: 249

TCJA 2017 Impact on Tax Gain Harvesting Strategies

**I apologize if this has already been covered. If there's already a thread on this topic, please, please direct me to it so I can remove this post. I found threads on the 2017 law's impact on kiddie tax and I checked the Wiki on Gain Harvesting which doesn't seem to have changed during last year.**...
by patriciamgr2
Mon Nov 19, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Munis Increasingly Risky
Replies: 205
Views: 19704

Re: Larry Swedroe: Munis Increasingly Risky

Thanks for posting this article. Would someone clarify one point for me? Mr. Swedroe warns that some states' financial condition is so precarious, he worries about contagion impacting even highly-rated entities within that state. After listing the states whose GOs Buckingham won't buy, he writes: "(...
by patriciamgr2
Fri Jun 22, 2018 12:22 pm
Forum: US Chapters
Topic: Happy Birthday Mel Lindauer
Replies: 22
Views: 2022

Re: Happy Birthday Mel

Thanks for all you do. Best Wishes.
by patriciamgr2
Thu Jun 21, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 14590

Re: Retire at 50: Should I?

Despite how much I have adored my early retirement freedom, and despite my having what many would consider a low withdrawal rate from my assets, I absolutely would NOT retire early unless I had a workable plan (with backups) to obtain health care coverage. Instead, I might have altered my career tra...
by patriciamgr2
Thu Jun 21, 2018 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 14590

Re: Retire at 50: Should I?

MarcoPolo: you mentioned that I presumably survived financially despite the pre-ACA insurance situation. That's absolutely true. I've been fortunate enough to enjoy excellent health and no serious accidents and had enough of a portfolio that my after-tax withdrawal rate remained below 2% even as the...
by patriciamgr2
Thu Jun 21, 2018 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 14590

Re: Retire at 50: Should I?

MarcoPolo: I am proposing that, before workers take early retirement, they understand the risk of ACA coverage becoming unavailable and have a workable plan to deal with that scenario should it happen. Here on the Forum, we help others reality-test their plans. Health care costs can derail your reti...
by patriciamgr2
Wed Jun 20, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 14590

Re: Retire at 50: Should I?

I've been out enjoying real life; that's why there's been a delay in my response. I regret that the perceived "tone" of my comments about health care coverage offended anyone. Simply stated, I was noting that although the OP had announced his decision in the comments, I was still writing my comments...
by patriciamgr2
Tue Jun 19, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 14590

Re: Retire at 50: Should I?

OP has made his decision, but for others reviewing this post, I want to emphasize two points about health coverage in early retirement. 1. If--as the source I cited contends the Administration is urging--ACA's mandated coverage for pre-existing conditions ends, that may apply to employer coverage as...
by patriciamgr2
Tue Jun 19, 2018 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 14590

Re: Retire at 50: Should I?

You're assuming ACA or other health coverage will be available to you at some price. That's the serious risk--together with no Long Term Care coverage--I see with your plan. Other financial aspects look fine IMO although I didn't run sensitivities for lower returns. In a recent lawsuit, it APPEARS o...
by patriciamgr2
Sun Jun 03, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: GEICO MBI on my Subaru just doubled
Replies: 2
Views: 1707

GEICO MBI on my Subaru just doubled

I have wavered on buying Mechanical Breakdown Insurance on vehicles. Normally, I don't buy it--because I do have enough in savings to pay for a repair & because this coverage always seemed to mimic manufacturers' warranty issues for the early years when it was cheapest. I broke with my own pattern a...
by patriciamgr2
Sun Dec 24, 2017 12:58 pm
Forum: Personal Investments
Topic: Donor Advised Fund costs
Replies: 45
Views: 4179

Re: Donor Advised Fund costs

I appreciate the posts about (1) the hassle & expense of contributing appreciated securities directly to charities, and (2) the tax drag on not using a DAF. From the perspective of a donor choosing whether to utilize a DAF at current fee levels, those are relevant and helpful. In my pre-DAF days, I ...
by patriciamgr2
Sat Dec 23, 2017 12:09 pm
Forum: Personal Investments
Topic: Donor Advised Fund costs
Replies: 45
Views: 4179

Re: Donor Advised Fund costs

Thanks for the feedback so far. I was aware that, for large donations, fee percentages would be reduced. My charitable fund, regrettably, is not at that level (yet?!?). The use of QCDs is a highly efficient alternative to DAFs--that's in the future for me personally, although eligibility is many yea...
by patriciamgr2
Fri Dec 22, 2017 10:05 pm
Forum: Personal Investments
Topic: Donor Advised Fund costs
Replies: 45
Views: 4179

Re: Donor Advised Fund costs

Given that the new law's higher standard deduction will encourage charitable givers to "bunch" contributions of highly-appreciated stock into a single tax year, some of us may have higher balances in our DAFs for longer periods of time than in the past. Accordingly, I'm more focused on expenses now....
by patriciamgr2
Fri Dec 22, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Downsizing - How much to invest in a house before selling?
Replies: 41
Views: 5901

Re: Downsizing - How much to invest in a house before selling?

Gouldnm: I am responding to the concept of using an auction to sell a hard-to-move property. [BTW, I don't think this is the case with the OP.] I believe you have advocated this on the Forum in the past as well; the responses you received then are still relevant. All real estate is local. In the mar...
by patriciamgr2
Tue Dec 19, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 83
Views: 8212

Re: I am buying a car: Most/Least Reliable Makes?

JackFFR1846's point on CVTs is an important one, although manufacturers "claim" they've worked out the problems with this form of transmission. ?!?
by patriciamgr2
Mon Dec 18, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 83
Views: 8212

Re: I am buying a car: Most/Least Reliable Makes?

To get broader anecdotal experience, you might want to check owners' forums once you narrow down your search to 1-2 makes/models. Good Luck.
by patriciamgr2
Wed Dec 13, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Downsizing - How much to invest in a house before selling?
Replies: 41
Views: 5901

Re: Downsizing - How much to invest in a house before selling?

Realtors will always advise spending money because it makes their job easier. I suggest that people ask is "What is the house worth right now in its current condition? If I spend $X dollars on [specific project], can you sell it for at least $X more than what it's worth now?" If you're home is in a ...
by patriciamgr2
Sun Dec 10, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: BAM List of "Preferred" Muni Issuers
Replies: 1
Views: 408

BAM List of "Preferred" Muni Issuers

Does anyone have a current list of the muni issuers Buckingham Asset Managers is willing to own (or maybe it's a list of the issuers it prefers to avoid)? When Larry Swedroe posted on the Forum, he shared the list from time to time. If anyone has access to a current version, would it be possible to ...
by patriciamgr2
Sat Dec 09, 2017 12:45 am
Forum: Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 77
Views: 13709

Re: Retire in my early 40s? Crazy or actually doable?

I retired at 42. I strongly disagree with a suggested 3-4% withdrawal rate. I'm not sure what Monte Carlo or other analysis would support those strategies. At the time I did ER (with much higher prevailing interest rates and higher forecast equity returns than exist today), I ran a number of analyse...
by patriciamgr2
Fri Dec 08, 2017 12:46 am
Forum: Investing - Theory, News & General
Topic: National Pearl Harbor Remembrance Day
Replies: 28
Views: 2386

Re: National Pearl Harbor Remembrance Day

Thank you for posting. We must remember, and also must ensure that the younger generation understands the significance as well.
by patriciamgr2
Thu Dec 07, 2017 1:08 am
Forum: Personal Investments
Topic: End of life care: urgent.
Replies: 9
Views: 2473

Re: End of life care: urgent.

Depending on the kids' ages, she needs to name a guardian who's willing to take physical custody of the grandchildren. Many people prefer to make a separate person responsible for financial matters--as asort of a checks & balance system. Using a trust company to administer a trust is very expensive ...
by patriciamgr2
Sun Sep 17, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 78
Views: 58595

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: 78
Views: 58595

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: 78
Views: 58595

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: 3538

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: 3991

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: 1216

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: 5111

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: Personal Investments
Topic: $800k income from biz sale
Replies: 9
Views: 2438

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: 669

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: 1900

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: 1900

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: 1900

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: 313
Views: 48692

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: 89
Views: 14547

Re: DFA Retirement Income Strategies

Thanks for the links; extremely helpful information. As Grok would say, Cheers!