Search found 1168 matches

by fposte
Thu Oct 18, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Helping out with early onset Alzheimer's
Replies: 15
Views: 1693

Re: Helping out with early onset Alzheimer's

I would question keeping a house at this time. It might be better to move in the next year or two while they are still competent and get used to a nice apartment/condo in a senior living center that has a memory care facility and reduce the amount of balls in the air (mortgage/maintenance/property ...
by fposte
Wed Oct 17, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: unlicensed repair guy possibly spent our material deposit
Replies: 25
Views: 2744

Re: unlicensed repair guy possibly spent our material deposit

I filed a police report when it happened to me. The cop told me that I was lucky only being out $200--he'd taken some old lady for $17k. I think my guy meant to do it as well, but I think drugs were more enticing than construction.
by fposte
Wed Oct 17, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 48
Views: 3775

Re: Cross-country trip via Amtrak

I've done Chicago-Oakland and Chicago-NY with sleeping compartments; even years ago when I was doing that travel, I wouldn't have tried it in seats alone. (I did do Chicago-Dallas sitting up. No fun.) Back then, the western trains were much nicer than the eastern ones, and the sleeping compartments ...
by fposte
Tue Oct 16, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: de-balling down comforter?
Replies: 7
Views: 583

Re: de-balling down comforter?

Depending on your investment level, if the drying with tennis balls doesn't work I might rewash it and then dry it with tennis balls. The fibers might be too intertwined to break up dry at this point.
by fposte
Thu Oct 11, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: early retirement for health reasons- pension option ss income leveling?
Replies: 46
Views: 2047

Re: early retirement for health reasons- pension option ss income leveling?

BUT - I bet they were very happy when their paychecks were higher because of no SS retirement being paid! It sounds nice, but the deduction for our pension, like many, is actually higher than for SS, so the paychecks weren't higher. That's why WEP is annoying--it's not necessarily a result of your ...
by fposte
Thu Oct 11, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: early retirement for health reasons- pension option ss income leveling?
Replies: 46
Views: 2047

Re: early retirement for health reasons- pension option ss income leveling?

I've got no advice for you on the pension, but I wanted to make sure you'd checked on the Windfall Elimination Provision since you're eligible for both Social Security and a pension. Hopefully it doesn't apply to you, but that's a bite that some people get surprised by. This applies only if your pe...
by fposte
Thu Oct 11, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: early retirement for health reasons- pension option ss income leveling?
Replies: 46
Views: 2047

Re: early retirement for health reasons- pension option ss income leveling?

I've got no advice for you on the pension, but I wanted to make sure you'd checked on the Windfall Elimination Provision since you're eligible for both Social Security and a pension. Hopefully it doesn't apply to you, but that's a bite that some people get surprised by.
by fposte
Tue Aug 28, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 12004

Re: How do you 7 figure guys organize multiple accounts?

I keep track in 2 places-- on a spreadsheet and then our Vanguard account. . . . For the other "outside" accounts I have added them to our Vanguard Account under the "Other Accounts" -- you can indicate retirement/non-retirement. Same here. For my institutional flavors of funds that don't have a ti...
by fposte
Thu Jul 19, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 104
Views: 5347

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

I would say acquiring it probably wasn't hugely reasonable, but keeping it is, presuming you turn that spending to retirement to catch up and that maintenance and insurance (your flexibility on the estimate makes me worry you don't have an insurance rider for them) aren't too big an annual hit. Betw...
by fposte
Tue Jul 17, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Excel Spread sheets -mac or. Windows?
Replies: 21
Views: 1140

Re: Excel Spread sheets -mac or. Windows?

Bigfoot's spreadsheets have worked fine on my Mac.
by fposte
Tue Jul 17, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a Traditional IRA Within Existing Vanguard Account
Replies: 19
Views: 1166

Re: Opening a Traditional IRA Within Existing Vanguard Account

Once you open your IRA there, you will have access to a "contribute/withdraw" tool. On the Balances and Holdings page, for instance, there is a little drop-down menu in the heading section for the account; choose "Contribute" and it'll take you to a window with options for sources including your cur...
by fposte
Tue Jul 17, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a Traditional IRA Within Existing Vanguard Account
Replies: 19
Views: 1166

Re: Opening a Traditional IRA Within Existing Vanguard Account

Can I open a traditional IRA on my existing Vanguard account home page (with the same user name), so that all of my accounts (taxable, Roth, traditional IRA) are visible on one screen? Or, do I have to create a new user name and new Vanguard account for the traditional IRA? Yes. I'm not sure why Va...
by fposte
Tue Jul 10, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the median income of Bogleheads?
Replies: 29
Views: 3471

Re: What’s the median income of Bogleheads?

Since many Bogleheads are retired, their income may be low even though they are very well off. You could ask about AGI (adjusted gross income) or yearly take-home pay for salaried workers. I think threads like this usually get locked though. It's good to know where people are coming from though. If...
by fposte
Tue Jul 03, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady
Replies: 18
Views: 1068

Re: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady

I would go Zappos. I have odd-shaped feet and brick and mortar stores are a waste of time. It's just what you describe--there's a single possibility and then if something's wrong with that the whole trip is a bust. Whereas Zappos is awash with possibility for sandals with velcro straps: https://www....
by fposte
Thu Jun 21, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: HVAC installer just asked to borrow money..
Replies: 10
Views: 2215

Re: HVAC installer just asked to borrow money..

I would also quietly consider some alternative support for your HVAC.
by fposte
Thu Jun 21, 2018 8:26 am
Forum: Investing - Help with Personal Investments
Topic: How much of your taxable holdings is unrealized capital gains?
Replies: 58
Views: 5447

Re: How much of your taxable holdings is unrealized capital gains?

It's about 40% for me; I've been shedding long-held individual stocks for the last few years but there are still quite a few left. I'll get a pension, so no 0% capital gains interlude, and Roth conversions are going to take quite a while on top of that. But that's just the price of good fortune, so ...
by fposte
Tue Jun 19, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on only putting money into a 457 and 403(b). Does anyone do it?
Replies: 18
Views: 857

Re: Thoughts on only putting money into a 457 and 403(b). Does anyone do it?

jw2s wrote:
Tue Jun 19, 2018 2:47 pm
Hi fposte
The link is coming up as bad. Can you repost it?
Sorry, fixed now.
by fposte
Tue Jun 19, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on only putting money into a 457 and 403(b). Does anyone do it?
Replies: 18
Views: 857

Re: Thoughts on only putting money into a 457 and 403(b). Does anyone do it?

This is great stuff. Thank you all for your input. Spencer99 you're right. I may not drop into a lower tax bracket at retirement due to my pension and RMD. I do not have social security yet. I have to work one more quarter in the private sector to qualify for it. This factors in now, too. If I coll...
by fposte
Tue Jun 19, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on only putting money into a 457 and 403(b). Does anyone do it?
Replies: 18
Views: 857

Re: Thoughts on only putting money into a 457 and 403(b). Does anyone do it?

boglewill34 wrote:
Tue Jun 19, 2018 1:00 pm
A thing to keep in mind about a Roth 457 option, at least in my 457 plan the Roth is subject to RMDs, unlike private 457s. That could come into play in that decision.
Roth plans in 401ks, 403bs, and 457s are all subject to RMDs, but you can roll them into Roth IRAs at retirement.
by fposte
Tue Jun 19, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on only putting money into a 457 and 403(b). Does anyone do it?
Replies: 18
Views: 857

Re: Thoughts on only putting money into a 457 and 403(b). Does anyone do it?

Do you have Roth options for your 457 and/or 403b? That should be in the consideration mix too, if so. I'm in a similar position to you, with a pension, a 403b and a 457 with Roth options in both, plus an IRA. My 403b/457 are both inexpensive with excellent choices. As far as I'm concerned, this mea...
by fposte
Tue Jun 19, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Contribute to both 403(b) and 457(b)?
Replies: 61
Views: 3599

Re: Contribute to both 403(b) and 457(b)?

The Prioritizing investments wiki (https://www.bogleheads.org/wiki/Prioritizing_investments) says: "Contribute to the work-based plan (401(k), 403b,) enough to get the full employer match (the match is like free money, your best possible investment)," does the "enough to get the full employer match...
by fposte
Mon Jun 11, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18567

Re: Life in retirement - what did you do today?

Tidied house for the maids who come this afternoon. Uh... aren't the maids supposed to do that? :shock: Yes, they are, but if you have ever been married, you should know how that really isn't ever the case. I lost that battle as soon it started. At least I now know that I am not alone. Ask me how o...
by fposte
Thu May 03, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 4131

Re: Not Wasting Food

Here is an interesting article from The Atlantic about the problem.
by fposte
Thu May 03, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: "Gap in financial literacy widens for couples the longer the relationship lasts, study suggests"
Replies: 13
Views: 1956

Re: "Gap in financial literacy widens for couples the longer the relationship lasts, study suggests"

Classic partnership division of working roles. One is in charge of laundry and cooking. The other is in charge of home maintenance and paying bills. Trouble begins when that partnership division ends due to death, illness or divorce. I've heard that suggested as one reason for the strain of widow/w...
by fposte
Wed May 02, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 4131

Re: Not Wasting Food

Yes and no to a degree. A good book on this is Mindless Eating. It will change your view on many aspects of our obesity problem I loved Mindless Eating and Slim by Design, and I was really disappointed when it came out that Wansink was knowingly cooking (pardon the pun) his research results. There ...
by fposte
Wed May 02, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 4131

Re: Not Wasting Food

Figure out what your own path to waste is. Is it buying for eating patterns you don't have but think you should? The fact that you can't buy less than a head of lettuce or a bunch of parsley but your household only uses a bit at a time? Unidentified Frozen Object syndrome? Apply reality for the firs...
by fposte
Tue May 01, 2018 11:51 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 11838

Re: Have you quit eating sugar? Tell me how!

I go back and forth on sugar intake depending on what my Crohn’s is up to. When it’s awakened, I have a very big sugar monster. What helps me whole fruits and dairy, which sounds like it’s not what you’re looking for; a couple days and my tastebuds start to reset and find the sweetness in them. I al...
by fposte
Sun Apr 29, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Favors for Family/Friends and Getting Compensated or Not?
Replies: 39
Views: 3656

Re: Favors for Family/Friends and Getting Compensated or Not?

Maybe you did offend them. And maybe that's okay. It's true that within families these things are usually either yes or no rather than monetized, so it's not surprising that you're getting a bit of a reaction to that. However, people with high expectations can get offended by a No as well; it also c...
by fposte
Thu Apr 26, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 11700

Re: Wedding - financial burden on couple and attendees

I think wedding threads are like car and house threads. No matter what the actual question is, the thread turns into divvying up sides between those who believe that frugality is the key to satisfaction and take pleasure in contemplating theirs and those who found it worth spending money. (I'm on di...
by fposte
Thu Apr 26, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 11700

Re: Wedding - financial burden on couple and attendees

As you can see from the debate that has started above different people view weddings in different ways. Some view it as "I want to share our marriage celebration with all our close family and close friends and will do what I can to be inclusive". While others seem to view it as "Its our wedding day...
by fposte
Wed Apr 25, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Do you have a car w/o ABS?
Replies: 53
Views: 2709

Re: Do you have a car w/o ABS?

I'm generally a fan of safety improvements, but I'm still driving an old car without ABS. I thought this was interesting from an NTSB report following 1995-2007: ABS has close to a zero net effect on fatal crash involvements. Fatal run-off-road crashes of passenger cars increased by a statistically ...
by fposte
Wed Apr 18, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Perks of Owning Certain Individual Stocks
Replies: 28
Views: 3874

Re: Perks of Owning Certain Individual Stocks

It's been posted here that if you have Berkshire Hathaway stock you get access to the discounted trade show that runs during the same period as the shareholders' meeting. Probably a great perk if you live in NE.
by fposte
Mon Apr 16, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: NEVER Have a Balanced Fund in Taxable?
Replies: 25
Views: 5508

Re: NEVER Have a Balanced Fund in Taxable?

Given that the post was from 10 years ago, OP may be retired by now :-).
by fposte
Mon Apr 16, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: How 'bad' are American Funds through UBS?
Replies: 12
Views: 978

Re: How 'bad' are American Funds through UBS?

Let it go. Not only haven't they asked for your help, they actively don't want it.
by fposte
Sat Apr 14, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 11819

Re: Mid-40s in tech - how to pass off as acceptably young

I’m in the same boat as you are and have realized that the ONLY solution to this problem is strict anti age discrimination legislation. Let me know if you want to start a crowdfunding page. The OP is over 40 and thus is covered by age discrimination legislation already. Since he's in California, th...
by fposte
Fri Apr 13, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 4181

Re: Unaffordable prescription drug

I would formally request an exception and include any paperwork as part of that request. I don't think absent that request they're going to look at the matter again. This PDF has some interesting information about handling refusal to cover medications for off-label use under Part D; this page talks ...
by fposte
Fri Apr 13, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 4181

Re: Unaffordable prescription drug

You mentioned that your insurance won't cover the drug "understandably". I don't think it is obvious they wouldn't cover it. If there is no generic alternative and this medication is required to treat a serious condition diagnosed by a medical professional then I don't see why insurance can just re...
by fposte
Fri Apr 13, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 11819

Re: Mid-40s in tech - how to pass off as acceptably young

I’m in the same boat as you are and have realized that the ONLY solution to this problem is strict anti age discrimination legislation. Let me know if you want to start a crowdfunding page. The OP is over 40 and thus is covered by age discrimination legislation already. Since he's in California, th...
by fposte
Thu Apr 12, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 11819

Re: Mid-40s in tech - how to pass off as acceptably young

I’m in the same boat as you are and have realized that the ONLY solution to this problem is strict anti age discrimination legislation. Let me know if you want to start a crowdfunding page. The OP is over 40 and thus is covered by age discrimination legislation already. Since he's in California, th...
by fposte
Tue Apr 10, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Too many funds in retirement accounts
Replies: 12
Views: 1445

Re: Too many funds in retirement accounts

How many different stocks are there, and are they broadly distributed enough to get some diversification? Assuming the stocks are otherwise untouchable, can you at least turn off dividends? What are the unrealized gains on the funds in the taxable account? And when the relative is figuring SS + pens...
by fposte
Fri Apr 06, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 18014

Re: What can we learn from secret millionaires.

The median individual income in the US is around $26k/yr so I would think that an amount of money that produces over 150% of the median wage (based on 4% swr) in the wealthiest nation to ever exist would seem like a lot of money to many people. Median household income is $59,039 as of 2016. So a po...
by fposte
Thu Apr 05, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 18014

Re: What can we learn from secret millionaires.

Last year I was helping my friend sell cleaning equipment to residential customers. Upper class neighborhoods were the worst because they could not afford a few thousand dollars even though they wanted the merchandise. They were "All hat no cattle!". We had better luck with middle class neighborhoo...
by fposte
Mon Apr 02, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Why does it seem there are so many bad/poor 401K plans?
Replies: 36
Views: 4906

Re: Why does it seem there are so many bad/poor 401K plans?

I think it's super-common with schools; it was historically insurance companies, I believe, that got to that market, and most schools haven't paid much attention to what could be done there.
by fposte
Mon Apr 02, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 16154

Re: Healthy eaters -- is this grocery budget normal to you?

I had a specialist ask me to try going gluten-free for a few weeks and it was life changing. Chronic conditions that I had my whole life went away. It’s not to say everyone is going to have the same reaction. I’d strongly suggest to anyone to do it for a few weeks and see. What do you have to lose?...
by fposte
Mon Apr 02, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 16154

Re: Healthy eaters -- is this grocery budget normal to you?

dm200 wrote:
Sat Mar 31, 2018 11:08 am
The OP states diet is high in meat (later than original post)
That wasn't the OP. The OP has indicated he eats meat, but hasn't given any amount.
by fposte
Mon Apr 02, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with Medical Billing & Collections
Replies: 6
Views: 625

Re: Dealing with Medical Billing & Collections

PPO, there is no out of network. I should get some payment in any case. And this was all done through an in-network doctor. In-network doctors sometimes have out-of-network labs, unfortunately. What does your EOB say about payment--does it say if anything was paid, and what the reasoning was for a ...
by fposte
Mon Apr 02, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with Medical Billing & Collections
Replies: 6
Views: 625

Re: Dealing with Medical Billing & Collections

Are you sure the problem is the code and not out-of-network labs? The latter is a pretty frequent source of painful and unexpected lab bills.
by fposte
Thu Mar 29, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 16154

Re: Healthy eaters -- is this grocery budget normal to you?

Neither is healthy. Both are nutritious in different ways and can be part of a diet which can help you be healthy. https://www.washingtonpost.com/lifestyle/food/no-food-is-healthy-not-even-kale/2016/01/15/4a5c2d24-ba52-11e5-829c-26ffb874a18d_story.html Oh, I hadn't seen that, and it's really intere...
by fposte
Thu Mar 29, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 16154

Re: Healthy eaters -- is this grocery budget normal to you?

Seriously, start looking at the per ounce pricing. You'll be stunned at the differences. There's a huge markup for buying things precut. You can get an entire watermelon for the same price as a small container with like 9 bites of cut watermelon. Additionally, looking at health from another angle, ...
by fposte
Wed Mar 28, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 16154

Re: Healthy eaters -- is this grocery budget normal to you?

Thank you for the reference to "autophagy" . I was not aware of the term but have embraced the concept. All humans practice autophagy, even if they are not aware of it. https://en.wikipedia.org/wiki/Autophagy Yes, I don't think Ohsumi himself was working on fasting, and other things--like exercise-...