Search found 1137 matches

by fposte
Wed Apr 18, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Perks of Owning Certain Individual Stocks
Replies: 28
Views: 3094

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: 5247

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: 649

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: 9770

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: 3482

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: 3482

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: 9770

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: 9770

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: 1105

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: 16502

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: 16502

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: 3531

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: 12661

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: 12661

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: 394

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: 394

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: 12661

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: 12661

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: 12661

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-...
by fposte
Wed Mar 28, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 12661

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

That IS high, but not surprising if you do all shopping at WH and TJ. My wife is really big about us eating healthy - but we pick and choose. We spend probably $1k a month on groceries on the 4 of us (and that's on about 10k/mo of net take home after taxes and all retirement deferrals so its not a ...
by fposte
Wed Mar 28, 2018 11:06 am
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17183

Re: A lot of heavy hitters this morning

Some of this is a stage of life thing, too; I've never made the six-digit salary that some here do, but decades of working mean that I have different financial questions than I did years ago.
by fposte
Wed Mar 28, 2018 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 12661

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

I think there is a difference between junk food and non organic food. Yes. I live in a rural area, and lots of the local farms farm sustainably and thoughtfully but without organic certification. On the other hand, there's this about the rift in the meaning of "organic." Labels are limited. However...
by fposte
Mon Mar 26, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11170

Re: Underrated places to visit in U.S.?

In general, smaller cities with university presences tend to be interesting. There's often some natural beauty, usually some interesting arts scenes, and almost always at least acceptable and possibly great, in local ways, food. So Bloomington, IN; Iowa City, IA; Madison and Milwaukee, WI; Columbus,...
by fposte
Mon Mar 26, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Costs, Pros, & Cons of CCRC - Continuing Care Retirement Communities - Aging in Place. Pitfalls?
Replies: 11
Views: 1626

Re: Costs, Pros, & Cons of CCRC - Continuing Care Retirement Communities - Aging in Place. Pitfalls?

My father was in a CCRC for close to 20 years, and I'm strongly likely to do the same. I'm single with no kids, so the idea of having the support services defaulting to on is really appealing; it also makes it much easier to avoid becoming isolated as you grow less mobile, especially since so many o...
by fposte
Mon Mar 26, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: More bad news for Wealthfront
Replies: 30
Views: 6923

Re: More bad news for Wealthfront

From the Bloomberg article: Announcing the fundraising early this year, Chief Executive Officer Andy Rachleff said it would help push Wealthfront further into financial services and launch new offerings. Just over a month later, the startup announced it was adding a risk parity strategy for clients...
by fposte
Mon Mar 19, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: elderly mother given 10 days to give IRS *transcript* to health insurance or lose benefits
Replies: 20
Views: 3610

Re: elderly mother given 10 days to give IRS *transcript* to health insurance or lose benefits

In my state, the attorney general's office would likely be responsive to complaints about this; I'd try them.
by fposte
Sun Mar 18, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/457 distributions/rollovers and the pro rata rule
Replies: 9
Views: 596

Re: 403b/457 distributions/rollovers and the pro rata rule

If 403b funds are rolled into a 457 plan, the 403b funds are in a separate subaccount, and remain 403b funds. This can be done if the 403b plan was with a previous employer, but cannot be done if the 403b and 457 plans are both with the current employer. The OP doesn't have a need for large distrib...
by fposte
Sun Mar 18, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Bought myself a private island
Replies: 44
Views: 8397

Re: Bought myself a private island

Great post! Challenged me to googling.... https://www.privateislandsonline.com/search?q=&availability=sale&price_range=0:500000&size_range=0:9950 Turns out that there are now 179 islands for sale for $500k or less. Looks like a large percentage of those are "price upon request," which I bet does no...
by fposte
Sat Mar 17, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Spoke to a financial advisor yesterday - what do you think he's up to?
Replies: 81
Views: 8204

Re: Spoke to a financial advisor yesterday - what do you think he's up to?

He says he finds more efficient funds through careful analysis - are they invested in the same thing? did one fund outperform another? The three fund portfolio means you'll own everything already--why would you have funds that would overlap? He also suggests splitting our money across some 16 asset...
by fposte
Sat Mar 17, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/457 distributions/rollovers and the pro rata rule
Replies: 9
Views: 596

Re: 403b/457 distributions/rollovers and the pro rata rule

I do not believe you have to withhold money for taxes if you are doing a trustee to trustee transfer. And since you are not yet 59.5, I think it would be a bad idea to withhold money for taxes (early withdrawal penalty). If you do an indirect rollover (you get a check that you can deposit in your b...
by fposte
Sat Mar 17, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Say I Can Scrape Up Some Money, Then What Do I Do?
Replies: 15
Views: 1219

Re: Say I Can Scrape Up Some Money, Then What Do I Do?

Keep in mind that for someone starting out with almost nothing extra to pay on these loans, nearly $40k in debt is going to take a long time to pay off. She could work diligently at paying these off for a year, and not see much of any progress by paying the minimums on the smaller loans. Or she cou...
by fposte
Sat Mar 17, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 16430

Re: Bought house six months ago - now feeling like we're treading water and can't save money

I am going to take a guess from the fact that you have 16 footnotes that you are not a "what, me worry?" kind of guy :happy . A quick look at your post history supports that theory. We're Bogleheads, so we can always tell you ways you could spend less money. But you have a respectable savings rate i...
by fposte
Sat Mar 17, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/457 distributions/rollovers and the pro rata rule
Replies: 9
Views: 596

Re: 403b/457 distributions/rollovers and the pro rata rule

I think you understand the problem of using the backdoor when you have a tIRA. However, I think you can do a conversion directly to a Roth IRA. I don't know if a series of partial rollovers is allowed, but you could check it out with the 403b and 457 providers. https://www.irs.gov/pub/irs-tege/roll...
by fposte
Sat Mar 17, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/457 distributions/rollovers and the pro rata rule
Replies: 9
Views: 596

403b/457 distributions/rollovers and the pro rata rule

I'm looking to retire in the next few years and am trying to get some of the details planned. I will be at full retirement for the purposes of my job, but I will not yet be 59.5. I will immediately receive a pension (no eligibility for Social Security), so there will be no neat income dip for conver...
by fposte
Thu Mar 15, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/457(b) Plan
Replies: 14
Views: 1323

Re: Help w/457(b) Plan

What would be the advantage of withdrawing the funds from tax-advantaged space entirely rather than rolling them over? A scenario will help illuminate the advantage. Let's say you get sick enough at 50 that you have to quit your job, but you can't start taking money from your pension until age 60. ...
by fposte
Thu Mar 15, 2018 12:34 am
Forum: Investing - Help with Personal Investments
Topic: Help w/457(b) Plan
Replies: 14
Views: 1323

Re: Help w/457(b) Plan

You probably don't want to roll over the plan to a trad IRA or anything like that after separation, as 457b accounts do not have a penalty for early withdrawal. They are the king of the castle as far as accounts go if you plan to retire before normal retirement age. What would be the advantage of w...
by fposte
Tue Mar 13, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2001

Re: Met with School 403(b) Adviser: Need Clarification

buccimane, I'm looking at your 403b thread from last year, and it looked like there might be a good plan for you through Lincoln. Did that not pan out or are you still considering that one too? Yes- I did look into it. It seemed to be a little over my head, and our district does not have a contact ...
by fposte
Tue Mar 13, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Any reasons not to donate shares from taxable?
Replies: 42
Views: 1901

Re: Any reasons not to donate shares from taxable?

A big reason for the flurry was because of the tight time window between the final passage of the tax bill and year-end. That isn't the case now. The times I've transferred from Vanguard mutual fund account to Fidelity DAF, it was easy. At least in terms of how I define it and also in terms of what...
by fposte
Tue Mar 13, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2001

Re: Met with School 403(b) Adviser: Need Clarification

buccimane, I'm looking at your 403b thread from last year, and it looked like there might be a good plan for you through Lincoln. Did that not pan out or are you still considering that one too? While if all things are equal a governmental 457 is probably preferable to a 403b, all things are almost n...
by fposte
Tue Mar 13, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2001

Re: Met with School 403(b) Adviser: Need Clarification

I did ask if it was a variable annuity, and he stated it was not- he only deals with mutual funds. The expense ratios for the Vanguard is 0.310% + Vanguard's fees. I would still confirm it with somebody else. And when you say "Vanguard's fees," what is Transamerica listing as Vanguard's fees for th...
by fposte
Tue Mar 13, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2001

Re: Met with School 403(b) Adviser: Need Clarification

1. The adviser (NOT fiduciary) told us that since we contribute to a pension plan, we are not able to contribute to a Traditional IRA on our own. Wow, no, that's not right. And that's a pretty big thing to be wrong about. The Adviser assured that there are no other funds besides the 0.310% service ...
by fposte
Sat Mar 03, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Walking shoes for plantar faciatis?
Replies: 61
Views: 4705

Re: Walking shoes for plantar faciatis?

I'm not a medical person, so I'm not suggesting, just reporting on one set of exercises that's been studied: http://www.drnicksrunningblog.com/improve-your-plantar-fasciitis-with-strengthening-exercises-not-orthotics-or-shoes/ Flipflops made my problem much worse, because of the percussive effect ag...
by fposte
Thu Mar 01, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: [Manuka honey]
Replies: 36
Views: 2602

Re: [Manuka honey]

rather than buying new zealand or australian honey -- there is some thought that eating honey made locally will help with seasonal allergies. i have no idea if this is true as i luckily have no allergies. Mayo's verdict on this: "Probably not. Honey has been anecdotally reported to lessen symptoms ...
by fposte
Fri Feb 23, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Rolling over deceased mom's accounts
Replies: 37
Views: 2837

Re: Rolling over deceased mom's accounts

Best to wait and let the brokerage do their thing. They should get the stepped up basis stuff correct, set up an account number for you, transfer to your account, sell as you direct, etc. You can count on them charging you a commission for all this. Just sit tight and let it play out - brokerages d...
by fposte
Thu Feb 22, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2592

Re: Is a prenup required to establish a list of separate property before marriage?

"There are two different systems for classifying marital property in the United States: the common law property system and the community property system. Most states [...] utilize the common law property system." Sorry, you're right and I was wrong--my apologies for the slightly flu-inflected derail.
by fposte
Thu Feb 22, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2592

Re: Is a prenup required to establish a list of separate property before marriage?

Do you mean community property state? Every state except Louisiana is based on common law. Actually, there are nine states.... https://www.legalzoom.com/articles/do-you-live-in-a-community-property-state This just came up in another thread. I was surprised to learn there are 9 community property st...
by fposte
Thu Feb 22, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2592

Re: Is a prenup required to establish a list of separate property before marriage?

Do you mean community property state? Every state except Louisiana is based on common law. Actually, there are nine states.... https://www.legalzoom.com/articles/do-you-live-in-a-community-property-state This just came up in another thread. I was surprised to learn there are 9 community property st...
by fposte
Wed Feb 21, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37299

Re: What UN-frugal thing do you do?

Massage (though I count that as health care after two back surgeries).
Garden.
Cheese.
Art.

(Car is fifteen years old this year and the mortgage is under $600 a month.)
by fposte
Wed Feb 21, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 316
Views: 33893

Re: What if you only live off dividends?

NibbanaBanana wrote:
Tue Feb 20, 2018 11:06 pm
In the GFC, dividends were cut by 20%. Stock prices fell by 50%. Which would you rather sell?
But the dividends came from the stocks; it's not an either/or. You still drew down on stocks.
by fposte
Tue Feb 20, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 2890

Re: Repairing Stucco: A Case of Contractor Gouging

Price fixing is when competitors collude to set prices. It doesn't apply in your situation. You were quoted a wide range of prices. Your concern is completely different. Generally, it's called priced discrimination or differential pricing, or more informally and more particular to your situation, p...