Search found 121 matches

by marielake
Sat May 23, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Radiologist here needing help regarding cross-state teleradiology work/taxes
Replies: 21
Views: 1460

Re: Radiologist here needing help regarding cross-state teleradiology work/taxes

Q2: If you had no physical presence for employment in another state, you won't owe tax to that state even if the 1099-NEC (used to be 1099-MISC) has another state's address for the employer. Of course, if the teleradiology company withholds another state's tax you'll need to file to get it back, so...
by marielake
Mon May 18, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Beach Vacation Suggestions
Replies: 31
Views: 2494

Re: Beach Vacation Suggestions

I’m in coastal nc. Latest advisory I saw was that few beaches are open for short term rentals. Maybe that will change by the time you are ready to travel.
by marielake
Thu May 07, 2020 6:59 pm
Forum: Personal Consumer Issues
Topic: Hospice care - room and board
Replies: 33
Views: 2649

Re: Hospice care - room and board

Hospice rules are different than nursing home/skilled nursing facilities. My mother was on Medicare in a hospice facility; my father under hospice care at home. I never saw a bill for either of them. They were totally covered by Medicare.
by marielake
Thu Apr 02, 2020 10:43 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9782

Re: Does anyone else just not care/worry?

I haven't read all responses but majority here seem not worried. I am in the minority. 6.6 million people applied for Unemployment last week on top of the 3.3 million the week before. The govt is spending trillions to save the economy on top of a trillion dollar deficit. No one really knows how long...
by marielake
Tue Mar 31, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 8820

Re: Did you move for better weather? Did you regret it?

I moved from New England to coastal NC for several reasons: weather, housing costs, family. The first year summer was brutally hot and humid. After that I decided to spend July/Aug in the mountains and rented for two summers. Last summer, I purchased a second home in NC mountains. I still miss New E...
by marielake
Fri Mar 20, 2020 9:25 pm
Forum: Personal Investments
Topic: How safe is the TIAA Traditional account?
Replies: 3
Views: 218

How safe is the TIAA Traditional account?

I'm retired with a small pension and social security. Don't need to rely on retirement funds unless pension and SS are reduced. I'm assuming the TIAA account with a 3% guaranteed rate is safe. Can someone offer an opinion on this assumption.
by marielake
Fri Mar 13, 2020 11:48 pm
Forum: Investing - Theory, News & General
Topic: Is it time to GET OUT?
Replies: 125
Views: 10772

Re: Is it time to GET OUT?

"Fixed income yielding 3%?! Where can I sign up" Its their traditional fund. It may only be available through non-profit organizations (hospitals/universities).

Sounds good now, but when my other funds were earning 20%, I had my doubts. It is a nice safety net now and keeps me sane.
by marielake
Fri Mar 13, 2020 9:57 pm
Forum: Investing - Theory, News & General
Topic: Is it time to GET OUT?
Replies: 125
Views: 10772

Re: Is it time to GET OUT?

I lost close to 60% in the 2008 drop. During that tine, I ended up moving some funds and new deposits to a safe TIAA-cref fund with a 3% guarantee rate. When market returned I regretted my decision and vowed to "stay the course" next time around. 12 years later, I am retired and watching my funds de...
by marielake
Sun Feb 09, 2020 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Wife's oncologist has stopped treatment, is recommending hospice
Replies: 93
Views: 14905

Re: Wife's oncologist has stopped treatment, is recommending hospice

Both my parents were in hospice when they passed. My dad got services at home (RN, Aide, Social Worker). With him, doctors were reluctant to refer him to hospice even though we were told he had about a month left. In that month, he was in and out of hospital (kidney/lung cancer). He wanted to go hom...
by marielake
Sat Feb 08, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Help an Overthinker Pull the Trigger on a Used SUV Purchase
Replies: 34
Views: 2651

Re: Help an Overthinker Pull the Trigger on a Used SUV Purchase

My last two cars were pre-owned. Cost a little more, but worth it for me. Current car was a courtesy car and had <5000 miles on it. If you haven't already checked out used auto review sites you should do that for reliability stats and consumer reviews - Edmunds.com for one. Consumer Reports is anoth...
by marielake
Fri Feb 07, 2020 12:15 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27715

Re: What is the best concert you ever witnessed?

Art Gartfunkel, 2 years ago. He read from his book between sets, had his guitarist or piano player take over the chords he could no longer reach and addressed relationship with Paul Simon. I had tears running down my face with his music. That was a first for me. Still touching.
by marielake
Thu Feb 06, 2020 10:03 am
Forum: Personal Consumer Issues
Topic: Anywhere to go for advice on furnishing/decorating apartment?
Replies: 24
Views: 1518

Re: Anywhere to go for advice on furnishing/decorating apartment?

Houzz.com has lots of filters allowing you to choose style, room type and other factors. Modsy.com an on-line design site looks interesting.
by marielake
Sun Jan 26, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Medical Evacuation Insurance
Replies: 41
Views: 2605

Re: Medical Evacuation Insurance

I always buy trip insurance and include medical evacuation. I have used squaremouth.com and insurebytrip.com. It does not cost that much more and provides peace of mind.
by marielake
Sun Jan 26, 2020 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Medical Evacuation Insurance
Replies: 41
Views: 2605

Re: Medical Evacuation Insurance

I always buy trip insurance and include medical evacuation. I have used squaremouth.com and insurebytrip.com. It does not cost that much more and provides peace of mind.
by marielake
Fri Jan 24, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Input from Retirees on COL/Experience
Replies: 6
Views: 480

Re: Seeking Input from Retirees on COL/Experience

Upon retiring, I moved from HCOL area to Wilmington, NC, which by comparison I consider LCOL, esp housing. It cost much less to purchase a nice home here, taxes are half as much, but insurance twice as much. Most other items are comparably priced or slightly less . The biggest surprise to me when SS...
by marielake
Thu Jan 23, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: Mechanics of maintaining two homes
Replies: 37
Views: 3558

Re: Mechanics of maintaining two homes

I just completed my first year owning a second home. It is a five hour drive away. My plan is to spend 5 months there, some weeks in between and remaining time in primary home. My car has been packed with items each time I've traveled there. At this point, I think I'm settled in. I did move clothing...
by marielake
Sat Dec 07, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 441
Views: 34759

Re: Retirement Friendly States

I moved from Mass to NC for retirement. The basic reasons were a warmer climate and housing costs as I didn’t think I could afford my home one I retired. I also wanted an area with a hospital and university. I’ve seen snow twice in 4 years, summers are brutal and real estate is half that of Mass. I ...
by marielake
Sun Nov 03, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Car rental insurance experiences
Replies: 31
Views: 3233

Re: Car rental insurance experiences

I did not purchase insurance on a car rental in Ireland and had an accident. They charged my credit card for the damage. The rental company was not cooperative with my credit card company. Car was rented thru Auto Europe. I eventually contacted them to explain the problem and they told me that was o...
by marielake
Sun Nov 03, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Peninsula de Oso, Costa Rica
Replies: 2
Views: 362

Re: Peninsula de Oso, Costa Rica

What is your budget. We stayed at bosque del Cabo lodge. It was wonderful, but expensive. You should check with trip advisor.
https://www.tripadvisor.com/Hotels-g309 ... nas-Hotels
by marielake
Sat Nov 02, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Consider the next phase of our travel?
Replies: 37
Views: 3190

Re: Consider the next phase of our travel?

Interesting question. I’ve been asking myself where I’d like to go next. I’m recently back from Portugal, which disappointed me. I just figured out I prefer new and different cultures or stunning beauty. My favorite trips were Turkey (culture and history) and Belize (my first jungle-type trip) and A...
by marielake
Tue Aug 27, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Planning Thailand Vacation
Replies: 9
Views: 1368

Re: Planning Thailand Vacation

I did a month long trip to SE Asia 2 years ago. I found fodors.com an invaluable resource. https://www.fodors.com/community/tags/thailand/ Planned my trip independently based on trip reports I read there. Flew Cathay Pacific out of NYC--seats were roomier and price was less than other airlines. Trie...
by marielake
Mon Aug 26, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 332
Views: 31458

Re: Social Security -- Take it at 62, 67 or 70

Stuff happens. I retired at 65 (with a pension that just about covered my expenses) thinking I'd take SS at 70. The more I thought about it, I came to the conclusion that I'd been saving for retirement for more than 30+ yrs, had lived frugally enough and began to wonder what I was saving for. I ende...
by marielake
Sat Aug 10, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Advice on short Vietnam visit
Replies: 30
Views: 2840

Re: Advice on short Vietnam visit

Have a great trip. For more detailed travel advice, I recommend Fodors.com and go to their travel forums and search for Viet Nam and Hanoi. There are some really good trip reports. I planned my whole trip based on help I got from that website.
by marielake
Fri Aug 09, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: $3,400/yr seem reasonable for insurance? Reduce this cost???
Replies: 27
Views: 2882

Re: $3,400/yr seem reasonable for insurance? Reduce this cost???

In the last year, I purchased 2 homes. In the process, found an insurance agent willing to shop prices. On homeowners, discovered we already were with the least expensive company. With a $7,500 deductible we are paying about $2,400, in a hurricane prone area. After Florence and a new roof we are pro...
by marielake
Thu Aug 08, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for Retirees
Replies: 28
Views: 2874

Re: Mortgage for Retirees

I am retired and in the process of refinancing. The broker told me I would need to get a letter from fidelity stating that I was withdrawing a certain amount every month so that I could get to a certain ratio. I challenged him on it because I don't need the funds and don't want to take the money out...
by marielake
Wed Aug 07, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Advice on short Vietnam visit
Replies: 30
Views: 2840

Re: Advice on short Vietnam visit

Been thinking about this. Sounds like you will skip HaLong Bay, which I think would be a mistake should you decide on Hanoi. HaLong Bay and NinBinh were my favorite stops in Vietnam (we were in country for 10 days). NinBinh has similar formations to HaLong Bay and might be another option for you as ...
by marielake
Tue Aug 06, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: Advice on short Vietnam visit
Replies: 30
Views: 2840

Re: Advice on short Vietnam visit

I am intrigued by all the suggestions of spending at least one night on a boat in Halong Bay. What can be seen better at night than during the day? Since the highlight is the limestone formations, wouldn’t those be better seen during the day? All the pictures I’ve seen of the area were taken during...
by marielake
Mon Aug 05, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: Advice on short Vietnam visit
Replies: 30
Views: 2840

Re: Advice on short Vietnam visit

I was in Viet Nam about 2 years ago. We did an overnight boat trip to Halong Bay from Hanoi. It is closer to a 3-hr drive one way on rough roads. I don't really recall if you see would much by just going into the city. It would not be worth it to do a one day trip from Hanoi. You need to go out a a ...
by marielake
Mon Jul 29, 2019 7:29 am
Forum: Personal Investments
Topic: Real Estate Proceed Advice
Replies: 13
Views: 1193

Re: Real Estate Proceed Advice

You should talk to your bank about recasting your mortgage, not refinancing. With refinancing you will need to pay closing costs and likely have a higher interest rate. With recasting there is only a small fee, you keep the current interest rate and remaining # of periods stay the same. If you pay-o...
by marielake
Sun Jul 28, 2019 7:54 am
Forum: Personal Investments
Topic: Real Estate Proceed Advice
Replies: 13
Views: 1193

Re: Real Estate Proceed Advice

One option is to use a portion of the proceeds to recast your loan. Recasting allows you pay a lump sum amount and maintain the current interest rate. Also, the remaining periods remain the same. There is a slight fee that will be easily offset with savings from the reduced payment.
by marielake
Tue Jul 09, 2019 7:41 pm
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 32193

Re: Americans believe they need $1.7 million, on average, to retire

Let's try to make this more actionable. That 1.7MM number might be what they think they need, but I think ignores objective reality. The objective reality is that the overwhelming majority of people will retire with far less than 1.7MM. It is this group I would like the Bogleheads to address - thos...
by marielake
Wed Jun 26, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Am I falling into the trap of judging everything through cost lens?
Replies: 51
Views: 5150

Re: Am I falling into the trap of judging everything through cost lens?

Interesting question. I have two examples of spending excessive cash for discretionary spending. For many years, my bucket list included a month long trip to SE Asia. I am single and could not convince any one to travel with me. As I was making reservations for 4 different countries, it hit me I did...
by marielake
Tue Jun 11, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: Pairing Sherwin Williams "Accessible Beige"
Replies: 16
Views: 2417

Re: Pairing Sherwin Williams "Accessible Beige"

This doesn't answer your question about ceiling color, but offers a good review of accessible beige and even addresses north facing rooms. I'm in prepainting mode myself and agonizing over colors for a dark space. You will find lots of info just googling the name of the paint color. https://www.kyli...
by marielake
Thu Jun 06, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Lodging and restaurants in Boone, NC.
Replies: 21
Views: 1696

Re: Lodging and restaurants in Boone, NC.

I second Blowing Rock and Bistro Roca. Be sure to make reservations; its hard to get in otherwise, unless you sit in the bar. We fled from Hurricane Florence last Sept and stayed 12 nights at Chetola Resort, which also has a good restaurant. Village Cafe is also really nice and requires reservations...
by marielake
Thu May 16, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Going rate for real estate commissions, ATL
Replies: 11
Views: 1244

Re: Going rate for real estate commissions, ATL

I sold a house in the Boston area. Learned that it is negotiable. Interview at least 3 realtors.
by marielake
Wed Apr 24, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 5914

Re: How far would you commute?

I commuted to Boston for 25+ years. In the end, I decided, in the heat of the moment, that I was done with commuting and was ready for retirement. What are your commuting options? Is there a commuter train nearby? It makes a huge difference. I took train for many years; door to door, it was 45 minut...
by marielake
Fri Mar 29, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Retirement: What expenses did you reduce?
Replies: 63
Views: 4919

Re: Retirement: What expenses did you reduce?

I had the same question prior to retiring. I came up with clothing, commuting and lunch/coffee. I eat out more now than ever, so restaurant tab has not declined. A better way to look at is net income. I had so much deducted from my paycheck (medical savings, 403B, commuting, medical insurance, FICA)...
by marielake
Tue Jan 29, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5555
Views: 1359777

Re: What Movie Have You Recently Watched?

On the Basis of Sex--the Ruth Beta Ginsburg story. It was excellent. I hadn't realized her role in bringing gender discrimination into forefront.
by marielake
Sat Jan 19, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Sicily over Italian cities?
Replies: 49
Views: 3717

Re: Sicily over Italian cities?

Have you been to Italy before? What are your interests and why Sicily? Not been to Sicily, but have been to the 3 big cities. I'm more of a small town/village traveler. Much preferred towns around Cinque Terre, Tuscany and Amalfi Coast. My goto for trip reviews and advice is fodors.com. Search the E...
by marielake
Wed Jan 02, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Budgeting
Replies: 10
Views: 1574

Re: Retirement Budgeting

I have been using You Need A Budget (YNAB) for several years now. You can try it free for 30 days and then I think the cost is $50/year. I started about a year prior to retirement so got a good handle on my spending. It was kind of shocking to see how foolish some of my spending was and it helped to...
by marielake
Sun Dec 23, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Home purchase: how to effectively trade off location & price? (Boston area)
Replies: 57
Views: 3049

Re: Home purchase: how to effectively trade off location & price? (Boston area)

"All things being equal, i'd prefer a western location. I think a western location is more optimal with the radial highways around boston and the fact to the east of boston is ocean. From a western location you can more easily get to areas north or south. From the north shore its a bitch to get to t...
by marielake
Thu Dec 20, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Home purchase: how to effectively trade off location & price? (Boston area)
Replies: 57
Views: 3049

Re: Home purchase: how to effectively trade off location & price? (Boston area)

Define your priorities. Sounds like appreciation rates are #1 for you. You are looking in the western suburbs. Have you looked on the North Shore? When I was house hunting in the area, commuter access was key as was a "nice" community. Realtor drew a map showing all the commuter lines and homes in m...
by marielake
Mon Dec 10, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 8561

Re: To each his own ( I guess )

I never had much desire to travel beyond the Caribbean until I went to Paris and French Riveria. It changed my whole travel outlook. Until you do it, you don't know what you are missing. Prior to retiring, I took about 3 big trips a year. I retired last year and went to Southeast Asia for a month. L...
by marielake
Sat Nov 10, 2018 1:24 pm
Forum: Personal Investments
Topic: TIAA R1 With Painfully High Expenses - stuck?
Replies: 41
Views: 3262

Re: TIAA R1 With Painfully High Expenses - stuck?

I have 403B funds in both TIAA, and Fidelity. TIA funds are in traditional and real estate; fidelity mostly in index funds. Fidelity advisor recommended I keep my "safe" money, or bond type funds, in TIA and riskier funds with Fidelity. You could use your IRA for equity portion of savings and your w...
by marielake
Mon Nov 05, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Lock mortgage rate at 5%?
Replies: 34
Views: 4095

Re: Lock mortgage rate at 5%?

I just locked at 5.375, 30 years, 20% down. I had the options to buy down the rate to 4.75 at a cost of $3,800.

I asked why the rate was higher than I'd seen online. Was told it was because other lenders hadn't added in other miscellaneous costs, but in the end, rates would be similar.
by marielake
Sat Oct 06, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 235
Views: 33765

Re: 20 countries where 200K in retirement savings will last you decades

Some viable options in that slide deck. I’m not a big fan of slide articles so I only went to number 6, but the only location in 1-6 I haven’t been is Nicaragua. If push came to shove I could see pulling off something like this. Food for thought - I don’t think the majority of US citizens aged 60 o...
by marielake
Thu Oct 04, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Pros and cons of exceeding IRMA limits vs wiping out cash to purchase second home?
Replies: 7
Views: 617

Re: Pros and cons of exceeding IRMA limits vs wiping out cash to purchase second home?

With a 20% down payment, an $18K withdrawal gets me to $85K income. The balance comes out of my taxable cash. Yes, cash is my emergency fund, vacation fund, tax fund, maintenance fund, Christmas fund, etc. I know its only 6 weeks. I guess its just peace of mind and calming my nerves. Its a first wor...
by marielake
Thu Oct 04, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Buying house in retirement??
Replies: 23
Views: 4370

Re: Buying house in retirement??

I am in process of buying a second home while in retirement. Pension and SS are adequate to cover mortgage so not reliant on retirement savings for monthly payments; am reliant on funds for down payment. Mortgage broker said there is no problem with getting a loan--hopefully this continues to be true.
by marielake
Thu Oct 04, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Pros and cons of exceeding IRMA limits vs wiping out cash to purchase second home?
Replies: 7
Views: 617

Re: Pros and cons of exceeding IRMA limits vs wiping out cash to purchase second home?

It was my plan to take 50% this year and 50% in January, but....got a good deal and seller wants a quick close. Closing is scheduled for mid November, so only a 6 week period of being cash poor. Was thinking that maybe I could kill two birds with one stone--convert to Roth and save some of my cash. ...