Search found 30 matches

by DJInvestor
Thu Dec 07, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Help with Inherited Roth, no will no beneficiary
Replies: 7
Views: 909

Re: Help with Inherited Roth, no will no beneficiary

Many thanks to Aristotelian, Epsilon Delta, and Spirit Rider for their incredibly helpful replies. I knew that the Boglehead hive mind would have answers. My son's first Roth contribution was in Feb, 2013 for 2012 earnings, therefore it appears that all distributions will already be qualified. I wil...
by DJInvestor
Wed Dec 06, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Inherited Roth, no will no beneficiary
Replies: 7
Views: 909

Help with Inherited Roth, no will no beneficiary

My 24 year old son was killed in an accident in August. He was an amazing young man, brilliant, passionate and caring. Losing him has been incredibly difficult. I seek input from the Boglehead community about how to handle his Roth IRA held at Vanguard. I get different answers from Vanguard, the est...
by DJInvestor
Wed Aug 03, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 52
Views: 7791

Re: Which financial program to get? Quickbooks vs YNAB vs others

I've been using Quicken since the 1990's and find it extremely useful for tracking spending, investments and assets. I also like the ability to generate customizable reports for taxes, specific patterns of spending, etc. And it's great for tracking portfolios. I recently upgraded to Quicken Home and...
by DJInvestor
Tue Jul 19, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Amazon Echo & Tap
Replies: 28
Views: 3660

Re: Amazon Echo & Tap

I bought an Echo when they first came out...well worth the $99 at the time. Mine lives in the kitchen where I find it extremely useful for setting timers and playing music when my hands are covered with whatever I am cooking or kneading. Shopping lists, news, weather all useful. I also bought an Ech...
by DJInvestor
Mon May 23, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 312
Views: 66265

Re: Physician Retirement Savings

Me: 56, widowed, Pathologist in a university practice, income <$200K, 2 young adult kids, one recently graduated from an in-state university and gainfully employed in a biotech company, headed for med school, second currently a rising junior at an "out-of-state" state university, headed for med scho...
by DJInvestor
Wed Mar 30, 2016 4:58 pm
Forum: Personal Consumer Issues
Topic: Sequencing a relative's genome
Replies: 8
Views: 1446

Re: Sequencing a relative's genome

I am currently in the middle of sorting out an autosomal dominant trait that runs in my wife's family by using genomic or "exomic" DNA sequencing through a university hospital. We are targeting a very specific condition, so whole genome sequencing is not necessarily needed but may turn out to be the...
by DJInvestor
Wed Mar 23, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 14322

Re: Financially, how have you done/doing vs. your parents?

I am doing much better than my parents, despite having almost exactly the same education and salary as my father. We both received our MDs from the same institution and were both practicing physicians on faculty at that institution. The difference is that my father lived above his means and was ofte...
by DJInvestor
Mon Feb 29, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: CCTV / Home Security Options (Neighbor got burglarized)
Replies: 28
Views: 3164

Re: CCTV / Home Security Options (Neighbor got burglarized)

All good suggestions. Here are a few other points learned from the rash of break-ins in my area: 1. Alarms are not much of a deterrent if the perpetrators are fast. Smash a window, grab the easy stuff, and run. In and out in less than 2 minutes...virtually impossible to stop. 2. A big exterior siren...
by DJInvestor
Thu Dec 31, 2015 6:36 pm
Forum: Personal Consumer Issues
Topic: Toyota Tacoma owners?
Replies: 56
Views: 9204

Re: Toyota Tacoma owners?

Anyone else rolling the Tacoma? As of 1 week ago, I am rolling a 2016 Tacoma SR5 4WD V6 access cab and loving it! The bogleheads gave excellent advice about buying new cars via contacting multiple internet sales managers...I quickly honed in on the best deal that was more than $1,400 lower than bes...
by DJInvestor
Thu Dec 10, 2015 6:41 pm
Forum: Personal Consumer Issues
Topic: Advice for Encouraging Parents to Declutter Home?
Replies: 38
Views: 3686

Re: Advice for Encouraging Parents to Declutter Home?

My in-laws are hoarders, in contrast to what has been described here, and the situation is much more dire to the point of being a health hazard. About 10 years ago I spent a solid week helping them empty out one room of their basement, just the tip of the clutter iceberg, resulting in a massive pile...
by DJInvestor
Thu Dec 03, 2015 1:24 pm
Forum: Investing - Theory, News & General
Topic: Childrens' Student Loans Delaying Retirement
Replies: 153
Views: 14925

Re: Childrens' Student Loans Delaying Retirement

What do you think? Would you borrow for your child's education? Yes and no. I have borrowed from myself to help my 2 children to the best of my abilities. I had mostly planned to support their college tuition out of cash flow and 529 savings. But my kids are 3 years apart in age, which assured that...
by DJInvestor
Tue Dec 01, 2015 10:53 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 46520

Re: OPM breach and credit freeze

I received my OPM letter yesterday. It came as some surprise since I am not a federal employee, but in the last 2 years I did undergo a background check for employment at a state university. I'm seriously unhappy that my employment credentialing process put me in this position. I decided to go ahead...
by DJInvestor
Mon Nov 16, 2015 11:43 am
Forum: Personal Finance (Not Investing)
Topic: What steps are you taking to prepare your spouse?
Replies: 32
Views: 4653

Re: What steps are you taking to prepare your spouse?

LeeMKE wrote:What are others doing?

This post appeared on the White Coat Investor a few months ago, might be helpful.
http://whitecoatinvestor.com/financial- ... ur-spouse/
by DJInvestor
Fri Aug 07, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: Hike the Pacific Crest Trail/JMT
Replies: 74
Views: 9836

Re: Hike the Pacific Crest Trail/JMT

Excellent I was curious about a Sat phone. Having that will give my husband some peace of mind. I'll start a separate thread about Sat phones as the time gets closer but do you recall how much his cost? The InReach device can be found for about $300 on sale or with a coupon. My son bought his on sa...
by DJInvestor
Thu Aug 06, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: Hike the Pacific Crest Trail/JMT
Replies: 74
Views: 9836

Re: Hike the Pacific Crest Trail/JMT

My 22 year old son is currently 600+ miles into a North to South thru hike of the PCT. Only 2,000 miles to go! He's lucky that he has me sending him boxes every 4-5 days. It takes a lot of planning and organization and support from someone who is not hiking. His basic pack, clothing and equipment we...
by DJInvestor
Wed Jun 24, 2015 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: North Carolina 529 Plan
Replies: 8
Views: 1728

Re: North Carolina 529 Plan

Note that transferring funds from one 529 plan to another has associated fees, so I elected to spend down the NC 529 rather than transfer it. I am curious about what fees you encountered? I am not in the NC plan, but I rolled over part of a 529 from my home state to another state's 529; no fees at ...
by DJInvestor
Wed Jun 24, 2015 11:55 am
Forum: Investing - Help with Personal Investments
Topic: North Carolina 529 Plan
Replies: 8
Views: 1728

Re: North Carolina 529 Plan

Opened my 529 for a 1 year old with Utah last year. NC gives us no tax breaks, no reason at all to keep your money here. I literally didn't even look at the options because I also know the fees are higher than Utah's. Utah is one of the states you always hear as being near the top for 529s. I am in...
by DJInvestor
Thu May 28, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: What to do in Raleigh
Replies: 18
Views: 2408

Re: What to do in Raliegh

In visiting Raleigh, you will be in for a treat! I grew up in Durham and work in Chapel Hill, so could provide much more insight into those locales, but since you asked about Raleigh, here is an abbreviated list of my favorite attractions. 1. Any restaurant or bar by Ashley Christensen: ac-restauran...
by DJInvestor
Tue May 26, 2015 8:47 am
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 10677

Re: Still make sense to have AAA membership?

AAA plus gives me enormous peace of mind when my young adult children are traveling. My daughter goes to college about 160 miles away from home, so no matter where she is on the road, if she breaks down, AAA plus with its 100 mile towing benefit can tow her either to a garage near my home or one nea...
by DJInvestor
Wed May 20, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: Any Experiences Buying Mattress Online
Replies: 47
Views: 14550

Re: Any Experiences Buying Mattress Online

I just bought a Casper mattress for my 19 year old daughter, about 1 week ago. She says it is the most comfortable mattress she has ever slept on. https://casper.com/mattresses She decided on a full size because she will be moving in and out of dorms for the next few years and it is much easier to t...
by DJInvestor
Thu Mar 12, 2015 11:32 am
Forum: Personal Finance (Not Investing)
Topic: How Confident on your Retirement Prospects? Pre-Retirees
Replies: 14
Views: 1494

Re: How Confident on your Retirement Prospects? Pre-Retirees

For most of my career we had no plan except to max out our 401k/403b contributions and invest 100% in equities via low cost index funds. I credit the White Coat Investor/Emergency Doc for finally cluing me in to the Bogleheads and the importance of asset allocation, planning and development of an in...
by DJInvestor
Wed Feb 25, 2015 11:50 am
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 15744

Re: physicians

Absolutely, I am completely burned out and just toughing it out until my daughter graduates from college in 3 years. I can't wait to retire. It will be a blessing to wake up and do exactly what I want instead of what my job requires me to do. The only dilemma I face now is how to advise my kids, bot...
by DJInvestor
Tue Feb 24, 2015 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking up with USAA--banking alternatives welcomed
Replies: 36
Views: 10100

Re: Breaking up with USAA--banking alternatives welcomed

I generally like USAA for checking and I do use them for auto, homeowners and umbrella insurance policies. They saved me a ton at a time when Allstate kept jacking up our rates despite a perfect record of paying premiums and never using the insurance. I did have a similarly unpleasant experience app...
by DJInvestor
Fri Jan 16, 2015 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 67
Views: 7251

Re: A quick poll--pension annuity vs. lump sum

I am facing with this decision and I know the pros and cons. Just curious how others decided. Did you have a choice for your pension? what did you choose? if lump sum, what did you do (investment)with the sum? I recently faced that choice and chose the lump sum. My case is probably not typical. The...
by DJInvestor
Fri Sep 05, 2014 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Drop son's car insurance while away at college?
Replies: 18
Views: 3200

Re: Drop son's car insurance while away at college?

This is part of why I love BH. I just sent my daughter off to college for 4 years, without a car, never thought once about saving money with auto insurance. This post prompted me to call USAA--drop the miles driven on her car to just usage over summers, instant savings of $600 per year. Took 5 minut...
by DJInvestor
Wed Aug 20, 2014 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to finance major home improvements
Replies: 24
Views: 2992

Re: How to finance major home improvements

For some reason I was not able to vote, but the vote is for HELOC and savings, as detailed below. Although in general I prefer to save for projects, I feel some urgency to renovate my home now, and therefore will finance part of the renovation, probably via my existing HELOC at 3.1% (and a zero bala...
by DJInvestor
Mon Aug 18, 2014 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on USAA?
Replies: 24
Views: 3802

Re: Thoughts on USAA?

My father was in the military and had USAA auto insurance. His three kids, including me, are eligible for USAA insurance products, as are our children, and so on. I had USAA auto and renters insurance back in the 80's, but when I bought my first house out in the country, they would not insure it bec...
by DJInvestor
Sat Aug 02, 2014 7:59 am
Forum: Personal Finance (Not Investing)
Topic: 2nd marriage: SS, legal marriage vs commitment ceremony?
Replies: 16
Views: 2232

2nd marriage: SS, legal marriage vs commitment ceremony?

My fiancee and I wish to marry, second marriages for both of us, but we wish to be careful about preserving SS benefits. Me: 55 years old, net worth $2,500,000, widowed, my deceased wife’s SS benefit is about the same as mine. My children are the beneficiaries of my estate. I have term life insuranc...
by DJInvestor
Wed Jul 30, 2014 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to keep family informed
Replies: 35
Views: 4377

Re: How to keep family informed

After unexpectedly losing my wife last year, with two young adult children ready to launch, I decided to get my "family information" act together. First, I created a private folder on my Google drive for my updated estate planning documents. I shared access only with my children, the executor of my ...