Search found 86 matches

by texasgal47
Thu Sep 03, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: How to effectively complain to UPS?
Replies: 20
Views: 1800

Re: How to effectively complain to UPS?

About 8 years ago I had UPS deliver to the wrong address a very large $6000 commissioned oil painting by an artist on Maui. It was correctly addressed and packaged in a custom wooden crate. After 5 p.m when I realized that it had been "delivered" but not to me, I walked up and down my bloc...
by texasgal47
Tue Sep 01, 2020 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance
Replies: 8
Views: 531

Re: Long Term Care Insurance

What is the inflation rate adjustment written into your original policy? Is it a compounded inflation adjustment? What is the average increase in costs for long-term care for your area, or where you plan to retire? For example, my policy has a 5% yearly compounded increase in value. This is same sam...
by texasgal47
Tue Sep 01, 2020 12:13 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 296
Views: 20487

Re: What is your age and asset allocation ?

Age 73 Current AA at equities 61.4%/ Bonds 28%/ Cash 10.6%. Desired AA is 60/30/10. International - 0%. Since most of my income to supplement SS and retirement funds is from t-ira, I keep equities there within a 33% to 40% range, usually 33%. IPS includes a plan, beginning at age 80, to glide total ...
by texasgal47
Mon Aug 31, 2020 10:32 pm
Forum: Personal Investments
Topic: Considering change from 80% to 100% VTSAX in Roth to reach investment goal for heirs
Replies: 7
Views: 1197

Re: Considering change from 80% to 100% VTSAX in Roth to reach investment goal for heirs

I agree that it is important to pass some of the assets on now. The QCD are earmarked for a scholarship endowment fund, as are other QCD planned in the future. I also have money allocated to pay half of the college expenses for my two grandchildren, Roth contributions for them both now as well as so...
by texasgal47
Sun Aug 30, 2020 9:02 pm
Forum: Personal Investments
Topic: Help me break my addiction to watching the Market / Worrying
Replies: 52
Views: 3715

Re: Help me break my addiction to watching the Market / Worrying

My strategies for dealing with investment anxiety: 1. Maintain a boglehead portfolio of the usual funds and have a much smaller amount in "play money" as others have suggested. 2. Reread John Bogle's books (or other boglehead books) or watch old interviews of Mr. Bogle on you tube. That is...
by texasgal47
Sun Aug 30, 2020 8:30 pm
Forum: Personal Investments
Topic: Considering change from 80% to 100% VTSAX in Roth to reach investment goal for heirs
Replies: 7
Views: 1197

Re: Considering change from 80% to 100% VTSAX in Roth to reach investment goal for heirs

David Jay, thank you for taking the time to read and respond. Your tip regarding having 5 years of available funds is a good one. I believe I have that
I have expenses covered for that period without having to sell stock in a downturn. Your feedback is really appreciated.
by texasgal47
Sun Aug 30, 2020 6:56 pm
Forum: Personal Investments
Topic: Considering change from 80% to 100% VTSAX in Roth to reach investment goal for heirs
Replies: 7
Views: 1197

Considering change from 80% to 100% VTSAX in Roth to reach investment goal for heirs

Hello fellow bogleheads. I'm looking for thoughts as considering a change to meet an investment goal in my Roth ira accounts which are planned for my heirs, two adult sons who will be ages 43 and 50 in the first portion of 2021. I am a retired 73 year old widow here with a self-directed 2.9M portfol...
by texasgal47
Fri Aug 07, 2020 8:18 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Dealing with Father-in-Law's Medical Issues
Replies: 39
Views: 3814

Re: Suggestions for Dealing with Father-in-Law's Medical Issues

My thoughts are focused on the best rehab money can buy for your most unfortunate FIL. I know that you wrote he was hospitalized at first for two months where he no doubt underwent intensive rehab. However, I am thinking of a world class rehabilitation center such as is available at an institution l...
by texasgal47
Thu Jul 16, 2020 12:09 pm
Forum: Personal Investments
Topic: Suggestions on options of my Vang Federal MMF?
Replies: 2
Views: 251

Re: Suggestions on options of my Vang Federal MMF?

Same questions here. I have $190,000 in Vanguard Prime MMF in taxable for rebalancing. I'm looking at Van. short-term municipal bonds but don't know if it is worth the risk for short term loss of principal. Duration of that fund is 1.3 years.
by texasgal47
Mon Jul 06, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: Recommendations for customizing a new HP desktop tower purchase
Replies: 20
Views: 909

Re: Recommendations for customizing a new HP desktop tower purchase

My techie son said there is the protential for unforseen problems if Windows Pro 10 is just downloaded into existing machine.
by texasgal47
Mon Jul 06, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: Recommendations for customizing a new HP desktop tower purchase
Replies: 20
Views: 909

Recommendations for customizing a new HP desktop tower purchase

Retired non-techie Boglehead here who would appreciate recommendations for possible upgrades to a HP mini tower I am purchasing today. HP's sale is still on today. To customize, HP lists additional costs to upgrade and savings if included items are deleted. I'm a true boglehead which means I don't w...
by texasgal47
Thu Dec 12, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Michelin vs Toyota tires for Corolla?
Replies: 31
Views: 3076

Re: Michelin vs Toyota tires for Corolla?

Original Poster here. First of all I want to thank everyone who took the time to respond to my query in selecting new tires for my 2011 Toyota Corolla. As always, I learned a great deal from forum members which will be used in the future when selecting tires. My past behavior was to tell my mechanic...
by texasgal47
Tue Nov 26, 2019 12:25 am
Forum: Personal Consumer Issues
Topic: Michelin vs Toyota tires for Corolla?
Replies: 31
Views: 3076

Re: Michelin vs Toyota tires for Corolla?

Thanks 1 2 3, that is my gut feel, safety first, which is my top priority.
by texasgal47
Mon Nov 25, 2019 11:52 pm
Forum: Personal Consumer Issues
Topic: Michelin vs Toyota tires for Corolla?
Replies: 31
Views: 3076

Re: Michelin vs Toyota tires for Corolla?

I stand corrected, assumed that Toyo was an abreviation for Toyota. Thank you. Upon further reflection, I'm unclear whether the noise is the tire or the car with little insulation.
by texasgal47
Mon Nov 25, 2019 11:20 pm
Forum: Personal Consumer Issues
Topic: Michelin vs Toyota tires for Corolla?
Replies: 31
Views: 3076

Michelin vs Toyota tires for Corolla?

My mechanic recommended that I consider the 205/55R 16 Toyota Versado NOIR tires rather than the Michelin Defender T & H which are my standard purchase for my 2011 Toyota Corolla. I live on the Texas Gulf Coast with very high temperatures and lots of rain. The ride with Michelin is on the rough ...
by texasgal47
Sat Apr 13, 2019 3:19 pm
Forum: Personal Investments
Topic: Confused regarding which year RMD is being taken, 2018 or 2019?
Replies: 5
Views: 679

Re: Confused regarding which year RMD is being taken, 2018 or 2019?

Yes, she has a 1099-R for the closed $25,000 account. Thanks for making that point, cherijoh.
by texasgal47
Sat Apr 13, 2019 3:00 pm
Forum: Personal Investments
Topic: Confused regarding which year RMD is being taken, 2018 or 2019?
Replies: 5
Views: 679

Confused regarding which year RMD is being taken, 2018 or 2019?

I'm the sole caregiver for my 90 year old mother and and am working on her taxes at this time using turbo tax. Mom's income is low so her federal taxes are usually no more than a few hundred at most. She's in Texas so no state income tax. My father died at the end of 2016. He had a small t-ira (abt ...
by texasgal47
Fri Aug 03, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: $400 for a KitchenAid microwave door latch repair?!
Replies: 11
Views: 2095

Re: $400 for a KitchenAid microwave door latch repair?!

Most new microwaves have very poor reviews when compared with older models. I searched the internet for a reliable used model in a particular size to fit my space. Then looked for that specific model on craigslist in my city under "Used Appliances + For Sale By Owner" as prefer buying a us...
by texasgal47
Mon Apr 30, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle a request for money from a niece?
Replies: 89
Views: 9468

How would you handle a request for money from a niece?

I'm the caregiver for my 90 year old mother and watch her finances like a hawk. Her granddaughter has asked her for $100 as her side work has temporarily dropped way off. Mom was widowed 16 months ago so her income is substantially reduced. Mom purchased a small condo close to me. We have yet to sel...
by texasgal47
Sun Mar 11, 2018 2:06 pm
Forum: US Chapters
Topic: New Woodlands, Texas Local Chapter
Replies: 24
Views: 6965

Re: New Woodlands, Texas Local Chapter

I'm far NE suburb (KIngwood) and would be interested in attending if a Houston chapter doesn't begin soon.
by texasgal47
Sat Mar 10, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Can I install a new kitchen?
Replies: 19
Views: 2146

Re: Can I install a new kitchen?

Suggest you post kitchen remodeling questions to gardenweb.com. Go to the Home forum section, and then click on Kitchens. That is analogous to the Bogleheads website -- kitchen gurus and some pros volunteering their time and expertise to assist others. That website had a huge impact on my kitchen re...
by texasgal47
Sat Mar 10, 2018 3:28 pm
Forum: US Chapters
Topic: Houston Chapter
Replies: 85
Views: 23215

Re: Houston Chapter

Anymore takers for a Houston chapter? Thanks
by texasgal47
Sat Mar 10, 2018 3:21 pm
Forum: Personal Investments
Topic: Should I wait until the end of March to sell VBILX?
Replies: 18
Views: 2268

Re: Should I wait until the end of March to sell VBILX?

Thanks welderwannabe for the recommendation. Will give the fund a serious look. I know Warren Buffett recommended Short-term treasuries for a 90/10 allocations which is the AA held in Roth iras for heirs.
by texasgal47
Fri Mar 09, 2018 4:22 pm
Forum: US Chapters
Topic: Houston Chapter
Replies: 85
Views: 23215

Re: Houston Chapter

I'm in -- coming from far NE (north of IAH) off I-59 so central Houston location is needed. Lowbrow, near Menil works best for me as it's near 59.
by texasgal47
Thu Mar 08, 2018 9:14 pm
Forum: Personal Investments
Topic: Should I wait until the end of March to sell VBILX?
Replies: 18
Views: 2268

Re: Should I wait until the end of March to sell VBILX?

Thanks everyone for your posts and advice. Think I'll sell for now and buy back when interest rates stabilize in the future.
by texasgal47
Thu Mar 08, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 40180

Re: Why International again?

Another poster here who agrees with Jack Bogle and does not like the increased portfolio volatility with international. I, too, had 20% international per Vanguard's recommendation, waited three years to think it through, then sold it all and have no regrets.
by texasgal47
Thu Mar 08, 2018 8:21 pm
Forum: Personal Investments
Topic: Should I wait until the end of March to sell VBILX?
Replies: 18
Views: 2268

Re: Should I wait until the end of March to sell VBILX?

PFInterest, I agree with you on both counts. It would also be easier to rebalance by eliminating one fund.
by texasgal47
Thu Mar 08, 2018 8:07 pm
Forum: Personal Investments
Topic: Should I wait until the end of March to sell VBILX?
Replies: 18
Views: 2268

Re: Should I wait until the end of March to sell VBILX?

Sorry folks, my original post had Tot Stk index Fund Adm as the replacement fund. It should have read Tot Bnd Indx Fd Adm. Why do I want to replace? Roth accounts are for heirs so have very aggressive AA based on their current ages (85/15) in those accounts only. With so few bonds in the Roth, I wan...
by texasgal47
Thu Mar 08, 2018 7:03 pm
Forum: Personal Investments
Topic: Should I wait until the end of March to sell VBILX?
Replies: 18
Views: 2268

Should I wait until the end of March to sell VBILX?

I want to sell VBILX (Intermediate Bnd Indx Fd Adm) and replace with Tot Bond Indx Fd Adm (VBTLX). Is the next interest rate increase already baked into the current VBILX stock price? The federal reserve next meets March 20 & 21.
by texasgal47
Thu Mar 08, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 10372

Re: Another "Should I self-insure" for LTC Question

Just want to add that the LTCi premium did help in reaching the threshold for using medical deductions on Federal income tax this year. However, I learned that the IRS caps the amount of the insurance that can be deducted per age group, along with a small continuing increase for inflation. For filer...
by texasgal47
Thu Mar 08, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 10372

Re: Another "Should I self-insure" for LTC Question

This is the OP here. I have read and reread all posts and references. WoW, you accurately predicted my decision. Yesterday a.m. I decided to continue with the insurance with full benefits intact and paid the premium. Here are the factors that went into my decision: -- By far the greatest influence i...
by texasgal47
Mon Mar 05, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Taxes
Replies: 19
Views: 2391

Re: Estimated Taxes

Are you using turbo tax? If so, the program will lead you to the dreaded Publication 2210 where your unequal income can be justified. I've had to go through that Malarky in 2016 and again this year even though ES taxes paid well exceeded taxes owed. There were no underpayment penalties either year. ...
by texasgal47
Mon Mar 05, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Painter did a sloppy job -- seeking advice on next steps
Replies: 28
Views: 3407

Re: Painter did a sloppy job -- seeking advice on next steps

My first paint job was a room with a ceiling that was 14 ft. at one end and 8 ft. at the other. I did it solo in my early 60's and used painter's tape at the edges. It took almost a whole day but gave professional results. If this old lady can do it, anyone can (frugal Boglehead here). Another lesso...
by texasgal47
Mon Mar 05, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 10372

Re: Another "Should I self-insure" for LTC Question

Westrich, I agree. Chris C, your comments and intelligent and thought provoking. It's just that I think these premiums will continue to more than double every 10 years. No new policies have been sold since 2012 and the insured are all rapidly aging leaving the burden of increased costs within a rest...
by texasgal47
Mon Mar 05, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 10372

Re: Another "Should I self-insure" for LTC Question

Wrongfunds, "no limit" is probably incorrect phrasing. There is no limit on the number of years that the 5% inflation will continue. If the insured lives to 103 and meets policy criteria for triggering payouts, the Maximum Benefit will continue to increase accordingly, as long as the curre...
by texasgal47
Mon Mar 05, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 10372

Re: Another "Should I self-insure" for LTC Question

pintail07, you are correct. There is no cap on the maximum benefit per a call I just made to my LTCi company. Can you tell me more about the cost of a one time payment for an asset based plan, with lifetime benefits, and most of the premium returned if no claims? If I renew my policy this year, unch...
by texasgal47
Mon Mar 05, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 10372

Re: Another "Should I self-insure" for LTC Question

Ok, I'm calling the insurance company and will report back with specifics regarding your policy questions. I can tell you that my premiums began at $3000. stayed level for 5 or 6 years, then increased to $3100 and remained stable until this year. Husband was already deceased so that rate was just fo...
by texasgal47
Mon Mar 05, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 10372

Re: Another "Should I self-insure" for LTC Question

To provide more portfolio information regarding my specific situation, the portfolio portion at this time for my two heirs is $400,000 in r-ira with an 85/15 AA for that portion only. $860,000 is in t-ira which I consider for my retirement and ltc costs, invested at a 40/60 AA in that account. In ta...
by texasgal47
Sun Mar 04, 2018 11:33 pm
Forum: Personal Investments
Topic: dad insists on gifting me all his money- help!
Replies: 23
Views: 4905

Re: dad insists on gifting me all his money- help!

Another +1 for seeking legal advice. This is extremely complicated stuff. There may also be good options you and your father may not be aware of without expert council. By the way, I would seek a lawyer who is board certified in elder law. Many who claim that title are not.
by texasgal47
Sun Mar 04, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 10372

Re: Another "Should I self-insure" for LTC Question

Dear Cheese, thank you for taking the time to share the other side of life when things go terribly wrong. Please accept my "hug" across cyberspace for the terrible situation you and your wife now face. Stage 4 brain cancer claimed my dear husband's life so I do have some idea what life is ...
by texasgal47
Sun Mar 04, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 10372

Another "Should I self-insure" for LTC Question

I'm 71 yr. old widow and am seriously considering dropping the LTC policy I've had since age 59 and self-insuring. Both parents have lived into their 90's with a good quality of life so good genes are on my side. My health status has remained unchanged since the policy was purchased. Physicians Mutu...
by texasgal47
Thu Aug 04, 2016 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Gifting equally when children are in very different tax brackets?
Replies: 19
Views: 3461

Re: Gifting equally when children are in very different tax brackets?

Thanks House Blend. Unemployed son and wife #2 each have their own income separate from rentals apart from son's usual employment. He should have enough income for a $5500 gift to r-ira, but I'll check to verify.
by texasgal47
Thu Aug 04, 2016 3:13 am
Forum: Personal Finance (Not Investing)
Topic: Marriage, budgeting, and taxable accounts
Replies: 41
Views: 4302

Re: Marriage, budgeting, and taxable accounts

+1 on every comment made by Toons, especially the statement, "Two people working together can accomplish more than 20 who don't." My late husband and I also worked together as a team for the 36 years of our marriage -- through thick and thin, the good, the bad, and the ugly. We were a join...
by texasgal47
Thu Aug 04, 2016 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Gifting equally when children are in very different tax brackets?
Replies: 19
Views: 3461

Re: Gifting equally when children are in very different tax brackets?

I had an open discussion with the son and his wife (in the lower tax bracket) yesterday. They are both happy to invest theirs in a Roth contribution as he made regular contributions when employed. The other son's financial picture is more complicated. The contributor is right. I probably am being ov...
by texasgal47
Tue Aug 02, 2016 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting equally when children are in very different tax brackets?
Replies: 19
Views: 3461

Re: Gifting equally when children are in very different tax brackets?

I'm considering gifting gold bullion which has a basis of $414 per market value on date of death of their father. If I want to fund the $5500 Roth contribution for each, it would seem that impact of taxes would be factor in calculating the amount given to each to arrive at the $5500 AFTER taxes are ...
by texasgal47
Mon Aug 01, 2016 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting equally when children are in very different tax brackets?
Replies: 19
Views: 3461

Gifting equally when children are in very different tax brackets?

Should gifting equally infer gross amount or net amount after taxes?

Background: One son has been laid off and is in 15% bracket this year :shock: , the other is in 33% bracket :mrgreen: ?

Thanks in advance for your assistance.
by texasgal47
Mon Aug 01, 2016 4:58 pm
Forum: Personal Investments
Topic: What to do with MM funds in taxable account?
Replies: 4
Views: 795

Re: What to do with MM funds in taxable account?

Three excellent responses which I have taken the time to mull over. Engineer250, my older son, the father of the two grandchildren, is dealing with a greedy ex-wife who went so far has to sue him for additional child support as soon as he was laid off this year (related to the energy downturn). Inst...
by texasgal47
Mon Aug 01, 2016 2:48 am
Forum: Personal Investments
Topic: What to do with MM funds in taxable account?
Replies: 4
Views: 795

What to do with MM funds in taxable account?

Over the past 3 years I had distributions in my taxable account placed in a MM account for possible future living expenses. My parents are quite aged, and I didn't know when I would need to retire to assist them to a greater extent. As it turned out, I retired a few months ago but will not need the ...
by texasgal47
Sun May 12, 2013 12:53 am
Forum: Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 8759

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

I'm sorry, but really need to know if electing to have a portion of an RMD distributed directly to charity reduces the amount of Gross income, or Adjusted Gross Income (AGI), as a tool to reduce income for the purpose of means testing. Here is an example of what I am trying to ask. Say my yearly pen...
by texasgal47
Sat May 11, 2013 4:09 pm
Forum: Personal Investments
Topic: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!
Replies: 73
Views: 8759

Re: Yikes, Vanguard CFP rec. 20% bonds for retirement!!!

Naikansha, VERY helpful response, thank you. -- I will probably take your suggestion as that is a fit with my budgeting yearly charitable contributions. How would this strategy factor into decreasing federal tax Gross Income and AGI? I ask because if I can avoid including the $5000 as income it woul...