Search found 516 matches

by JaneyLH
Mon Oct 26, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Potential job loss at 62
Replies: 37
Views: 4213

Re: Potential job loss at 62

I was subject to a layoff after company sale at age 45, after receiving permission to relocate and telecommute one year earlier. Very little tech labor market in new area... Fortunately I had my home paid off so expenses weren't overwhelming. I called all my contacts and put out feelers. Within 3 we...
by JaneyLH
Thu Aug 27, 2020 10:09 pm
Forum: Investing - Theory, News & General
Topic: How do I know what withdrawal rate to use?
Replies: 53
Views: 4776

Re: How do I know what withdrawal rate to use?

Variable Withdrawal Strategy. Enjoy your money knowing it won’t run out. Simple, easy. Thank you Bogleheads for figuring this out.
by JaneyLH
Sat Aug 22, 2020 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Offering 1.1% No-Penalty CD to AARP Members
Replies: 50
Views: 5158

Re: Marcus Offering 1.1% No-Penalty CD to AARP Members

What is the downside of joining AARP just for this offer? It's $12 for the first year, so would need to recoup that through interest offer (too lazy to do the math). Not interested in getting junk mail or other hotel etc offers. I'd be interested in any opinions on this as well...how much would you...
by JaneyLH
Fri Aug 21, 2020 2:22 pm
Forum: Personal Investments
Topic: Is it time to hold cash instead of Bonds?
Replies: 76
Views: 10648

Re: Is it time to hold cash instead of Bonds?

I just moved my spending money for the next year out of Capital One when it went to .8%. I purchased seven no-penalty 8 month CDs at Marcus at the 1.1% AARP rate. I was already an AARP member but it only costs $12 to join.
by JaneyLH
Thu Aug 20, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Marcus Offering 1.1% No-Penalty CD to AARP Members
Replies: 50
Views: 5158

Re: Marcus Offering 1.1% No-Penalty CD to AARP Members

douginct wrote: Thu Aug 20, 2020 7:26 am Do I need to unlock my credit in order to open a new account at Marcus? I will be a new customer. And if so, do you know which credit bureau they use? Thanks.
My credit is locked and that was not a problem for me — and this was my first Marcus account.
by JaneyLH
Thu Aug 20, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Marcus Offering 1.1% No-Penalty CD to AARP Members
Replies: 50
Views: 5158

Re: Marcus Offering 1.1% No-Penalty CD to AARP Members

If you join now you also get a free trunk organizer! Mine just arrived, I like it, it nice. I saw the Marcus 1.1% deal also. I have a 2.5% CD coming due in a few months. We will see at that time. How do you get this offer? I do not see it on their sign up page. It is listed on their benefits page w...
by JaneyLH
Thu Aug 20, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Marcus Offering 1.1% No-Penalty CD to AARP Members
Replies: 50
Views: 5158

Re: Marcus Offering 1.1% No-Penalty CD to AARP Members

Has anyone had trouble opening a new CD from the Marcus website? I keep getting a page saying there's a problem and to try again later. I guess I'll have to call them. I opened my first CD via the website very easily. The next batch, which I set up a few days later, were affected by the technical p...
by JaneyLH
Wed Aug 19, 2020 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Managing finances for elderly parent long-distance
Replies: 33
Views: 1839

Re: Managing finances for elderly parent long-distance

Best thing you can do is to set up a Durable Power of Attorney so as things progress you will continue to be able to assist. Having gone through this when my father-in-law became unable to handle his own affairs, and his primary POA (elder son) didn't want to step up to do the work. My husband, the ...
by JaneyLH
Wed Aug 19, 2020 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Offering 1.1% No-Penalty CD to AARP Members
Replies: 50
Views: 5158

Re: Marcus Offering 1.1% No-Penalty CD to AARP Members

000 wrote: Tue Aug 18, 2020 5:40 pm What benefit do companies get with deals like this?
Marcus gains access to 38 million potential new customers. They make money on each one.
AARP gets a valuable benefit to aid in growing membership even more.
by JaneyLH
Tue Aug 18, 2020 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Offering 1.1% No-Penalty CD to AARP Members
Replies: 50
Views: 5158

Re: Marcus Offering 1.1% No-Penalty CD to AARP Members

Not sure why anyone would do this as several FDIC insured banks offer money market or savings accounts online that pay 1.30% or little below. The CD rate can easily be beat. Affirm is 1.30% and Varo is 1.21% and many more. Rates have been rapidly dropping. If you aren't going to use the funds for 7...
by JaneyLH
Mon Aug 17, 2020 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Did any inheritance make positive effect on your life?
Replies: 229
Views: 19315

Re: Did any inheritance make positive effect on your life?

I got enough to buy my first home as a 22 year-old in the SF Bay Area. Subsequently cycled through another 6 homes over 20 years and cashed out with $750K profit, which I used to purchase a beautiful home in a resort area for cash. Not having a mortgage allowed me to live through the 2000 tech crash...
by JaneyLH
Mon Aug 17, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Offering 1.1% No-Penalty CD to AARP Members
Replies: 50
Views: 5158

Re: Marcus Offering 1.1% No-Penalty CD to AARP Members

BogleMelon wrote: Mon Aug 17, 2020 2:02 pm Is there an age restriction on who can join, or who gets which offer?
I believe you have to be 50 or older to have full AARP membership.
by JaneyLH
Mon Aug 17, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Offering 1.1% No-Penalty CD to AARP Members
Replies: 50
Views: 5158

Marcus Offering 1.1% No-Penalty CD to AARP Members

For anyone looking for a slightly better interest rate now, Marcus by Goldman Sachs has an arrangement for AARP members to get a 1.1% no-penalty CD. I just opened one, funded by Wells Fargo, and plan to open several more once I can get my link established to Capital One where most of my cash is held...
by JaneyLH
Tue Aug 04, 2020 10:35 pm
Forum: Personal Investments
Topic: Critique Our Bond Portfolio, Please!
Replies: 6
Views: 890

Re: Critique Our Bond Portfolio, Please!

After a number of years with that plan I came to realize that my wife would be lost if I was not around. My wife is plenty bright but finance is not her strong suit. She has seen Trading Places at least twenty times and still doesn't understand the concept that you can sell something you don't own....
by JaneyLH
Mon Aug 03, 2020 8:02 pm
Forum: Personal Investments
Topic: Critique Our Bond Portfolio, Please!
Replies: 6
Views: 890

Critique Our Bond Portfolio, Please!

I would greatly appreciate any feedback you all can provide on whether I should make any changes to the bond portion of our portfolio – - which I really don’t understand very well, despite diligent reading here. :oops: My husband and I are 65 and 66, and we have essentially been retired 10 years/6 y...
by JaneyLH
Thu Jul 30, 2020 8:53 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 154
Views: 20825

Re: Vitamix Worth It?

The thing that convinced me to buy a Vitamix... blending leftover veggies, some cheese, milk, spices and getting a wonderful steaming hot thick cream of vegetable soup... in 5 minutes!
by JaneyLH
Fri Jul 24, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: iMac Refresh in 2020?
Replies: 75
Views: 5258

Re: iMac Refresh in 2020?

The type of stuff most people do, they really wouldn't notice the difference between a ssd and a regular hd except maybe for the noise. Higher end stuff like video would be another story. I got a 27" imac late in 2018 and then added 32Gb memory to it since I was doing VMs and they need memory....
by JaneyLH
Sun Jul 19, 2020 5:24 pm
Forum: Personal Investments
Topic: Learned I want more conservative AA - should I rebalance or gradually glide?
Replies: 11
Views: 921

Re: Learned I want more conservative AA - should I rebalance or gradually glide?

Last November I decided to move from 70/30 to 50/50. At age 65, I made the move all at one time. Sure glad I did! Once you decide your portfolio is too risky, it's probably best to do the deed and ease your mind.
by JaneyLH
Sun Jul 19, 2020 5:21 pm
Forum: Personal Investments
Topic: Portfolio review - shifting from 70/30 to 50/50
Replies: 7
Views: 1184

Re: Portfolio review - shifting from 70/30 to 50/50

Husband retired 10 years ago with $50K pension. I worked part-time until 5 years ago, earning enough that we didn't have to tap into our portfolio, so have been drawing just the last 5 years using the Boglehead Variable Withdrawal Method. We stayed at 70/30 until November 2019, when I began to think...
by JaneyLH
Sun Jul 19, 2020 5:12 pm
Forum: Personal Investments
Topic: Bond placement taxable v. tax advantaged
Replies: 10
Views: 793

Re: Bond placement taxable v. tax advantaged

I followed the Wiki advice and now after 5 years with Vanguard with a 3-fund portfolio, mostly bonds in IRAs and equities in taxable accounts, I am sorry I did it that way. Now I am retired and have moved from a 70/30 to 50/50 portfolio, and can't rebalance anymore without triggering big capital gai...
by JaneyLH
Fri Jul 17, 2020 6:59 pm
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 39
Views: 4437

Re: Cloud Storage

Although I worked in Silicon Valley -- starting BEFORE it was called Silicon Valley and when the buzzword was "data processing" -- I am a semi-Luddite about clouds, cloud backup, and the like. Bottom line, I refuse to pay for monthly subscriptions to anything. So the idea of having to pay ...
by JaneyLH
Sun Jun 21, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: Feminine Beauty Products - best bang for your buck?
Replies: 36
Views: 3679

Re: Feminine Beauty Products - best bang for your buck?

Another vote for Olay Regenerist products. Highly rate by Consumer Reports when compared to products costing $100 + and you can get them in a 2-pack at Costco.
by JaneyLH
Fri Jun 12, 2020 2:45 pm
Forum: Investing - Theory, News & General
Topic: Utilities - Does anyone own some?
Replies: 69
Views: 3955

Re: Utilities - Does anyone own some?

I used to, when I had a Financial Advisor.

Now 3-Fund Portfolio for the most part.
by JaneyLH
Sun Jun 07, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees - Two questions, please?
Replies: 20
Views: 2034

Re: Federal Retirees - Two questions, please?

Actually, you may not need to tell your supervisor until the day you retire. I was a supervisor of an employee who came in one morning and told me he/she was retiring at the close of business that day. The employee had been working on retirement paperwork with the remote HR department for months. I...
by JaneyLH
Sat Jun 06, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: Viking Cruise Cancellation
Replies: 15
Views: 1554

Re: Viking Cruise Cancellation

I had Celebrity cancel a cruise just a few days before it was scheduled to leave Sydney, Australia. They offered either full refund or 125% future credit. I requested full refund. They set me up for future credit. I spoke with them and they told me it would take another 45 days for a refund “because...
by JaneyLH
Sat Jun 06, 2020 8:27 pm
Forum: Personal Consumer Issues
Topic: Online Power of Attorney
Replies: 9
Views: 739

Re: Online Power of Attorney

For what you want, the CU probably has a form that they want you to use. So, a POA is good to have as a last resort, but it is practically worthless. It's better to set up POAs at each firm with their POA process. Having just gone through this, let me add +1 Best to set up POA in advance with each ...
by JaneyLH
Thu May 28, 2020 9:45 pm
Forum: Personal Investments
Topic: Any retirees get through Covid crisis without large cash reserve?
Replies: 63
Views: 4639

Re: Any retirees get through Covid crisis without large cash reserve?

We didn’t really do anything. Have comfortable asset allocation.
by JaneyLH
Wed May 27, 2020 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Put checking accounts in living revocable trusts?
Replies: 48
Views: 8882

Re: Put checking accounts in living revocable trusts?

I would put the trust as the beneficiary of the checking account, and i would not be worried about the trustee needing access to it while I'm incapacitated but still alive because there is also power of attorney paperwork which gives the right person the ability to access my accounts in that exact ...
by JaneyLH
Tue May 26, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: Homemade Salad Dressing
Replies: 51
Views: 3269

Re: Homemade Salad Dressing

My husband an I love blue cheese dressing but always buy the refrigerated brands like Marie’s. Any favorite recipes for homemade?
by JaneyLH
Mon May 25, 2020 7:38 pm
Forum: Personal Consumer Issues
Topic: Getting started with Dashlane
Replies: 44
Views: 2608

Re: Getting started with Dashlane

I’m a very satisfied user of the paid version of Dashlane. My husband and I share an account and have more than 500 unique, strong passwords set for our online accounts. We took a phased approach to implementation, starting with the most critical accounts, and eventually getting it 100% implemented....
by JaneyLH
Sun May 24, 2020 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security login problem
Replies: 16
Views: 2805

Re: My Social Security login problem

My DH just tried to set up a MySSA account so he can apply for Medicare within the next 90 days. He was asked to supply the answers to these credit report questions and has tried and failed several times. Turns out that the agency still thinks he is married to his former wife although they have been...
by JaneyLH
Fri May 22, 2020 2:17 pm
Forum: Personal Consumer Issues
Topic: Should my travel insurance cover this?
Replies: 5
Views: 385

Re: Should my travel insurance cover this?

You can lodge a complaint with the U.S. Department of Transportation if they don’t refund. They have a webform you can use to submit and they will get back to you.
by JaneyLH
Sun May 17, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5906

Re: Thinking of buying a boat during pandemic – am I CRAZY?

Interesting that you say you and your wife have been going back and forth about buying a boat... but YOU have been wanting one for a long time. A boat purchase and use is something you and your wife should be 100% in agreement on. My husband and I bought a sailboat from a gentleman who had always wa...
by JaneyLH
Fri May 08, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Will? Digital info
Replies: 7
Views: 528

Re: Will? Digital info

For passwords, use a password manager like Dashlane or Lastpass. I have over 400 passwords securely stored and each is long, strong, and unique.
by JaneyLH
Tue May 05, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: Bosch Crystal Dry - any personal experiences with this witchcraft?
Replies: 40
Views: 6141

Re: Bosch Crystal Dry - any personal experiences with this witchcraft?

Odd that you would get so many responses that don't answer your question. Here's one that does. We have a Bosch-made, Thermador-branded dishwasher with this technology. It works. Not sure about how much energy it uses, but it does leave plastics dry. It has more bells and whistles than we can possi...
by JaneyLH
Mon Apr 27, 2020 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy a home in the Bay Area
Replies: 69
Views: 8222

Re: Where to buy a home in the Bay Area

I lived in the Bay Area for most of my life. From my $54k starter home in Saratoga to the City to Pacifica to Emerald Hills to Redwood Shores. Pacifica was my favorite location, from easy commute to 1-block walk to the beach to crazy affordability and access to the outdoors. Redwood Shores was my se...
by JaneyLH
Mon Apr 20, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 16405

Re: Coronavirus Flight Cancel Thread

I purchased a one-way tickets from New Zealand to US on Air New Zealand for April 22. When the Corona Virus hit, my husband and I were in Sydney waiting for our cruise to leave that would eventually take us to New Zealand. That went out the window, and New Zealand was offering one opportunity to ma...
by JaneyLH
Sun Apr 19, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 16405

Re: Coronavirus Flight Cancel Thread

I purchased a one-way tickets from New Zealand to US on Air New Zealand for April 22. When the Corona Virus hit, my husband and I were in Sydney waiting for our cruise to leave that would eventually take us to New Zealand. That went out the window, and New Zealand was offering one opportunity to mak...
by JaneyLH
Sun Apr 19, 2020 5:02 pm
Forum: Personal Investments
Topic: Eureka! 3 to 4% rule and managed account not working
Replies: 7
Views: 1092

Re: Eureka! 3 to 4% rule and managed account not working

Congratulations on finding the Bogleheads resources and making a very sound decision to move to a simple portfolio of low-cost index funds. And especially to rid yourself of your financial advisor! Depending on what investments your FA placed you in, you will likely save more than their fee of $6K/y...
by JaneyLH
Thu Apr 09, 2020 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth asking car insurer to decrease premium during pandemic?
Replies: 32
Views: 1670

Re: Is it worth asking car insurer to decrease premium during pandemic?

I am with State Farm and have 3 vehicles. They have a way to suspend a vehicle but leave the minimum coverage on so you aren’t obliged to return the plates to the DMV. Also doesn’t screw up your umbrella policy. You can take the vehicles in and out of service with just a phone call and saves about 7...
by JaneyLH
Thu Apr 02, 2020 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Canceling Auto Insurance for Few Months? Any down sides?
Replies: 56
Views: 4418

Re: Canceling Auto Insurance for Few Months? Any down sides?

We have 3 cars and State Farm Insurance. They have the capability of suspending use without cancelling, so you don't have to turn in plates and drop registration. You can make a phone call and return to use or swap cars, same day service. It costs about 75% less than your normal insurance payment! ...
by JaneyLH
Thu Apr 02, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Canceling Auto Insurance for Few Months? Any down sides?
Replies: 56
Views: 4418

Re: Canceling Auto Insurance for Few Months? Any down sides?

We have 3 cars and State Farm Insurance. They have the capability of suspending use without cancelling, so you don't have to turn in plates and drop registration. You can make a phone call and return to use or swap cars, same day service. It costs about 75% less than your normal insurance payment! N...
by JaneyLH
Tue Mar 31, 2020 4:27 pm
Forum: Investing - Theory, News & General
Topic: "The lessons of Vanguard’s Jack Bogle have helped countless investors — but his picks could be improved"
Replies: 17
Views: 2097

Re: "The lessons of Vanguard’s Jack Bogle have helped countless investors — but his picks could be improved"

In answering one of the reader's comments on the article, Mr. Merriman implies that Mr. Bogle would have agreed that Merriman's approach would yield better results than the 3-fund portfolio. "I am sorry John Bogle is not here to read your comment. I mean it in a nice way when I say, he would ha...
by JaneyLH
Sun Mar 29, 2020 2:05 pm
Forum: Investing - Theory, News & General
Topic: The end of cruise ships [cruise line stock prices]
Replies: 248
Views: 26994

Re: The end of cruise ships

Once things settle down, I’d love to go on a Viking River boat cruise. But on an ocean liner with thousands of fellow passengers plus crew? No way. My husband and I are regular Viking customers, both river and ocean. I would heartily recommend the spacious 900-guest Viking Ocean ships as the guests...
by JaneyLH
Wed Mar 25, 2020 8:16 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30226

Re: How much are you guys down?

I don't know. Haven't looked. What it is is what it is.

Why do you ask?
by JaneyLH
Wed Mar 25, 2020 8:13 pm
Forum: Personal Investments
Topic: Rick Ferri says to put aside something for "Bingo Money"
Replies: 76
Views: 9402

Re: Rick Ferri says to put aside something for "Bingo Money"

Was thinking about BA, but missed that boat. I believe it has a lot further down to go though, even after today's rise. Mine was CCL (Carnival Cruises). Was $8 when I thought I should invest maybe $50-100K. Now $15.5. :oops: :oops: :oops: But I was unsure and didn't want to be a market timer. Yea B...
by JaneyLH
Tue Mar 24, 2020 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Corona and the “barebones” budget
Replies: 45
Views: 6026

Re: Corona and the “barebones” budget

A few days ago my Netflix app on Roku crashed. Hard crash, not the usual streaming buffering delay. I took that as a warming. Now, we missed out on masks, hand sanitizer, disinfectant wipes, and toilet paper because we were out of the country and only got home on March 18. I thought, hmmm, might as ...
by JaneyLH
Tue Mar 24, 2020 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Travel--Ultimate Rewards--Systems Down
Replies: 19
Views: 1375

Re: Chase Travel--Ultimate Rewards--Systems Down

The main Chase customer service person has apologized but informed us we cannot take advantage of the airline’s offer to make a free change up except through the Chase Travel folks. I don't understand this. If the airline is offering to make the change for free, why not make the change? If you're l...
by JaneyLH
Sat Mar 14, 2020 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Travel--Ultimate Rewards--Systems Down
Replies: 19
Views: 1375

Re: Chase Travel--Ultimate Rewards--Systems Down

My husband and I are stuck in Sydney Australia as our cruise to New Zealand has been cancelled and our return from NZ was booked through Chase Travel and they are not answering their phone. The main Chase customer service person has apologized but informed us we cannot take advantage of the airline’...
by JaneyLH
Thu Mar 05, 2020 9:51 pm
Forum: Investing - Theory, News & General
Topic: Be fearful when others are greedy. Be greedy when others are fearful.
Replies: 129
Views: 9320

Re: Be fearful when others are greedy. Be greedy when others are fearful.

Our AA is 50-50. Rebalancing threshold not triggered yet. Will buy more stock when that occurs.