Search found 27 matches

by spartanap
Sun Sep 23, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Nursing Home/Medicaid issues
Replies: 10
Views: 1046

Re: Nursing Home/Medicaid issues

My father-in-law recently moved my mother-in-law into a memory care home. My father-in-law is now wanting to give money to family members as well as sell their house. I've told him that these actions could have an impact on my MIL's Medicaid qualifications. We've tried to convince him to consult an...
by spartanap
Sun Sep 23, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Nursing Home/Medicaid issues
Replies: 10
Views: 1046

Nursing Home/Medicaid issues

My father-in-law recently moved my mother-in-law into a memory care home. My father-in-law is now wanting to give money to family members as well as sell their house. I've told him that these actions could have an impact on my MIL's Medicaid qualifications. We've tried to convince him to consult an ...
by spartanap
Thu Mar 15, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement advice
Replies: 5
Views: 1587

Re: Retirement advice

Topping for more feedback. Background: Wife is currently retired with a $26,000/yr pension. I plan to retire at 60 with a $44,000/yr pension w/ 50% survivor benefit. We will be able to purchase health insurance from our former employers. Soc Sec: Wife $12,000/yr at 62. Me - $26,000 at 67(possibly 70...
by spartanap
Sun Jan 28, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Should we pay off our mortgage?
Replies: 12
Views: 1720

Re: Should we pay off our mortgage?

Thanks for the replies. After submitting this, I remembered that in December, I put the 150K into an Ally 12 mo CD at 2.00%! So I probably won't be doing anything until the end of December. For those of you in favor of paying it off, does a year less make any difference to your feelings?
by spartanap
Fri Jan 26, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Should we pay off our mortgage?
Replies: 12
Views: 1720

Should we pay off our mortgage?

After itemizing our taxes for many, many years, for the past two years we have taken the standard deduction. Considering this, plus the increase in the standard deduction starting this year, should we consider paying off our mortgage and investing the monthly payments? Here are the particulars: We o...
by spartanap
Wed Jan 24, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 131
Views: 33560

Re: Vanguard opens special offices for $1 million clients

I just reached Flagship status within the last month. :D Received an email from my personal Flagship advisor two days ago.
by spartanap
Fri Oct 27, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement advice
Replies: 5
Views: 1587

Re: Retirement advice

I think the plan is doable. You need $84,000/year and your two pensions equal $70,000. The $14,000 per year you need for the first few years is less than a 2% withdrawal rate. When your spouse begins taking SS benefits your withdrawal rate is negligible. In addition, if your $84,000 is your gross i...
by spartanap
Wed Oct 04, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement advice
Replies: 5
Views: 1587

Retirement advice

Background: Wife is currently retired with a $26,000/yr pension. I plan to retire at 60 with a $44,000/yr pension w/ 50% survivor benefit. We will be able to purchase health insurance from our former employers. Soc Sec: Wife $12,000/yr at 62. Me - $26,000 at 67(possibly 70). Current income is 100K. ...
by spartanap
Wed Sep 27, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Using Verizon phones on T Mobile
Replies: 5
Views: 886

Using Verizon phones on T Mobile

I currently have three smartphones with Verizon and I'm considering moving to T Mobile to cut costs. Looking for others' experience using Verizon phones on T Mobile. The phones we're currently using are the iPhone 5c, Galaxy S6 and Galaxy S7. I've been told that any Verizon 4G LTE phone is already u...
by spartanap
Mon Feb 13, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust Services
Replies: 8
Views: 1328

Re: Vanguard Trust Services

I'd like to get some feedback from those of you who have experience using Vanguard Trust Services. I've tried contacting them several times but have not been able to get anyone to answer. I'm instructed to leave my name and number and they will get back with me within two business days. I haven't b...
by spartanap
Sun Feb 12, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust Services
Replies: 8
Views: 1328

Vanguard Trust Services

I'd like to get some feedback from those of you who have experience using Vanguard Trust Services. I've tried contacting them several times but have not been able to get anyone to answer. I'm instructed to leave my name and number and they will get back with me within two business days. I haven't be...
by spartanap
Tue Dec 13, 2016 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Timing my sale of bond funds
Replies: 2
Views: 505

Timing my sale of bond funds

I have $7000 in ACITX (American Century Inflation Adjusted Bond) and $35,000 in TWTIX (Interm. Term Tax-Free Bond) as a part of the taxable portion of my portfolio. In an effort consolidate my holdings, I want to get out of both funds and move the money to Vanguard where I have the vast majority of ...
by spartanap
Tue Aug 30, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: Subaru owners - tin can sound, maybe heat shield?
Replies: 22
Views: 8550

Re: Subaru owners - tin can sound, maybe heat shield?

I don't have a Subaru, but I had the same issue on a Hyundai Elantra. Ended up being an exhaust bracket. Covered by warranty.
by spartanap
Mon Jun 13, 2016 8:47 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 206
Views: 21414

Re: What is your overall portfolio weighted expense ratio

30% of my portfolio WAS with Edward Jones. Said goodbye to EJ and I went from .60 to .14.
by spartanap
Fri Oct 09, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: Verizon increasing rates on unlimited data plans; other options
Replies: 16
Views: 2728

Re: Verizon increasing rates on unlimited data plans; other options

Friends and Family numbers are numbers that don't count against your minutes.
by spartanap
Fri Oct 09, 2015 8:08 pm
Forum: Personal Consumer Issues
Topic: Verizon increasing rates on unlimited data plans; other options
Replies: 16
Views: 2728

Verizon increasing rates on unlimited data plans; other options

I found out today that, starting in November, Verizon is going to increase their charge for unlimited data lines by $20/mo. I currently carry an iPhone for me, and another one for my wife, along with two basic phones for my elderly in-laws. I pay $175/mo for this set up. Any ideas out there for othe...
by spartanap
Thu Jun 11, 2015 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need long-term care insurance?
Replies: 23
Views: 4364

Re: Do we need long-term care insurance?

---UPDATE---

Here is a quote we received for a traditional LTC policy:

$150,000 total benefit for each of us (shareable) with 3% inflation protection. 90 day elimination period. Company rated A- by AM Best.

His premium $87/mo. Her premium $137/mo. Both are lifetime premiums.

Thoughts?
by spartanap
Mon May 25, 2015 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Do we need long-term care insurance?
Replies: 23
Views: 4364

Re: Do we need long-term care insurance?

Taylor,

Our current health insurance is good. Mine's paid, wife's is $500/mo. Once I retire, my cost would equal my wife's.

Premiums are to remain constant.

No need for the insurance, just thinking that something would come out of premiums if LTC never needed.

House value around $200,000.
by spartanap
Sun May 24, 2015 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need long-term care insurance?
Replies: 23
Views: 4364

Do we need long-term care insurance?

My wife (53) and I (54) have been looking into long-term care insurance options. Thought we would ask fellow Bogleheads for some advice. Here's our situation: We both took our state pensions last year. Pays a little over 60K/year no cola. If my wife dies, my pension would be 36K/yr. If I die, her pe...
by spartanap
Mon Jan 05, 2015 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Do you keep all your eggs in one basket?
Replies: 35
Views: 5872

Re: Do you keep all your eggs in one basket?

Thanks for the replies. I guess my biggest fear (or maybe more like paranoia) is not the strength of the company but more in the area of the account being compromised (hacked). Based on the feedback, I'm leaning towards Fidelity or Schwab for AC accounts. Thanks again.
by spartanap
Sun Jan 04, 2015 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Do you keep all your eggs in one basket?
Replies: 35
Views: 5872

Do you keep all your eggs in one basket?

Our retirement portfolio is in the low seven figures with about 60% at Vanguard in tIRAs and Roths and about 30% in a 403b at American Century. I want to move out of AC to reduce costs. Moving it to Vanguard would certainly reduce cost and simplify our portfolio at the same time. I know it's safe, b...
by spartanap
Thu Oct 30, 2014 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Would you use TurboTax in this scenerio?
Replies: 11
Views: 1308

Would you use TurboTax in this scenerio?

I've done my own taxes for several years using TurboTax. My returns have been pretty straight forward; itemized deductions, cap gains/dividends, tax loss harvesting, etc. In the past year my wife and I have: retired (with pension/lump sum combo), sold our house, took a new job and moved to another s...
by spartanap
Tue Sep 09, 2014 9:24 pm
Forum: Personal Consumer Issues
Topic: Dallas-Fort Worth things to do
Replies: 13
Views: 1070

Re: Dallas-Fort Worth things to do

U.S. Bureau of Engraving and Printing in Ft. Worth
by spartanap
Wed Jul 23, 2014 4:51 pm
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 9433

Re: Here's another "where should I retire" thread

www.findyourspot.com is a pretty comprehensive website that might help give you some ideas.
by spartanap
Thu Jun 19, 2014 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Pension decision: Monthly benefit vs. lump sum
Replies: 10
Views: 1171

Re: Pension decision: Monthly benefit vs. lump sum

Foregoing the $73,000 20% lump sum would add approx. $6600/yr to my wife's pension.

Removing my $113,000 20% lump sum would add approx. $9600/yr to my pension while retaining the 50% survivor benefit.
by spartanap
Thu Jun 19, 2014 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Pension decision: Monthly benefit vs. lump sum
Replies: 10
Views: 1171

Re: Pension decision: Monthly benefit vs. lump sum

Our pensions do not provide inflation adjustments and I feel confident in the long-term health (for us, maybe not for younger participants) of our state's pension system. Apologies for my ignorance - basspond - help me understand what you mean by "discounts" sbashore - help me understand how to dete...
by spartanap
Wed Jun 18, 2014 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Pension decision: Monthly benefit vs. lump sum
Replies: 10
Views: 1171

Pension decision: Monthly benefit vs. lump sum

I've learned a lot since discovering this site and would like some feedback on this financial situation: After 30+ years of work (each), my wife and I are both taking our government pensions this summer. We have numerous options available from a 100% monthly benefit to a 50% MB plus a lump sum, as w...