Search found 262 matches

by clip651
Thu Jan 04, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: "New to Me" Money
Replies: 22
Views: 3182

Re: "New to Me" Money

Thank you much for the step by step approach. Regarding the second item, this one completely perplexes me. I would imagine even on this forum that there are differing opinions on whether eradicating a mortgage at 3.5% is the best move relative to what that money may earn invested. Like many, I can ...
by clip651
Fri Dec 29, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: How to financially assist DD to help continue her Obamacare
Replies: 54
Views: 4537

Re: How to financially assist DD to help continue her Obamacare

One other thing to consider ... If her income in 2017 is too low, it may make it more difficult to qualify (enroll) for 2019. At that point, the marketplace will be aware of her 2017 income tax return, but she won't have filed yet for 2018. At that point (when her most recent tax return doesn't matc...
by clip651
Thu Dec 28, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to financially assist DD to help continue her Obamacare
Replies: 54
Views: 4537

Re: How to financially assist DD to help continue her Obamacare

Can you clarify, are you trying to get her 2017 income to the correct level (for her 2017 coverage that she already has, which relates to her 2017 taxes, which are filed this spring)? If so, you have very little time left to arrange things before the year ends. If you are only concerned about 2018 a...
by clip651
Thu Aug 31, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 7378

Re: Coyote Defense

I would vote for a walking stick, cane, or umbrella (a larger one, not the compact style), and a short leash for the dog. That would be helpful for coyotes or stray or off leash dogs that become a problem. An umbrella has the advantage that you can open and close it to help startle the coyote if you...
by clip651
Fri Aug 25, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 6145

Re: Any veterinarians that can quickly weigh in re: estimate?

And his sister keeps hissing at him since he came home (probably because of the vet smells), which hurts his feelings. Hopefully the vet smell wears off in the next few days so that your two cats get back to their normal interactions. My non-vet cat did hiss a few times at the vet cat, but fortunat...
by clip651
Mon Aug 21, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 6145

Re: Any veterinarians that can quickly weigh in re: estimate?

Before considering switching vets over the cost of this procedure, have you talked to them about the estimate, your questions, and given them a chance to discuss your concerns with you? Maybe there is a reason the cost for this particular procedure is higher than you were expecting. Not all extracti...
by clip651
Wed Aug 16, 2017 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: A plan that might work for two goals?
Replies: 11
Views: 1674

Re: A plan that might work for two goals?

Bumping to try to get you some more input from others. I'm not sure how much more I can add. (You might want to edit your title on your first post to add something about expat living and making a portfolio last as long as possible to get input from others. If you live to 90 or 100, the portfolio nee...
by clip651
Thu Aug 10, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: A plan that might work for two goals?
Replies: 11
Views: 1674

Re: A plan that might work for two goals?

T This means I will arrive in the US in late August with about $640,000.What do we do with it? We came to the US for two reasons, to get her US citizenship and get her some education. For her college in CA, I tutored her in everything, fulltime, because it soon became obvious that fulltime tutoring...
by clip651
Mon Aug 07, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: A plan that might work for two goals?
Replies: 11
Views: 1674

Re: A plan that might work for two goals?

A few ideas to consider for you to help your wife secure her long term financial stability, assuming she plans to remain in the US long term: As soon as she is eligible, she should look for some sort of work. Part time or full time, but something to get her into the work force with something to put ...
by clip651
Tue Jul 25, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 26453

Re: Buying house - Very important decision

Dont mean to restart the same topic, but a coworker was mentioning that he knows some folks who ... He also says there is no way ... What makes you think your coworker is an expert in this stuff? Sure he may know some folks who have had a positive experience recently. And he may think he knows what...
by clip651
Tue Jul 25, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Artist Son - 10 years old
Replies: 17
Views: 2988

Re: Artist Son - 10 years old

Also, if you think about expenses for art supplies, actual profits are probably even smaller. But it is still really neat that he is making art and selling it. :D
by clip651
Thu Jul 20, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer Ownership of Whole Life on my life...to myself?
Replies: 10
Views: 910

Re: Transfer Ownership of Whole Life on my life...to myself?

Is there an option to end / cash out / liquidate /surrender the policy rather than transfer ownership? And have the proceeds go to the spouse of the deceased, if that's appropriate? Or to you, if that's appropriate? A family member of mine has a small policy on another family member. Odds are the ow...
by clip651
Thu Jul 20, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 4617

Re: Indoor activities for a 3-year-old

Take your child to the free zoo (Pet Store) Or not. Give the pet store employees and animals, who are probably already stressed out, a break and don't do this. Harmless enough if just walking the aisles and looking into the display tanks, gerbil cages, and bird cages, and the child is appropriately...
by clip651
Wed Jul 19, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Cheap TV Set-up for Limited Daily Use
Replies: 71
Views: 7016

Re: Cheap TV Set-up for Limited Daily Use

Also keep in mind that gadgets like kindles need to be charged regularly. They aren't meant to be left plugged in 24/7. And the charging ports are small and hard to see. If this happens to be for a relative that isn't already used to regularly charging such things, that is one more thing to get used...
by clip651
Wed Jul 12, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 11770

Re: [Amazon Prime Day]

I keep a running shopping list at Amazon. It's great for keeping track of the filters your cars and appliances use. I also keep book, toy (Christmas, etc.), and school supply lists for my children there. So on Prime Day I just check my lists to see if anything is on sale. Easy peasy. That system wo...
by clip651
Tue Jul 11, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Investing a Windfall
Replies: 10
Views: 2093

Re: Investing a Windfall

I am not down on marriage, not at all. I just think people should understand the sometimes not so obvious potential consequences of how things are handled when setting up financial accounts and arrangements. This is in the same category as understanding that a POD (payable on death) beneficiary on a...
by clip651
Mon Jul 10, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Investing a Windfall
Replies: 10
Views: 2093

Re: Investing a Windfall

Thanks for the reminder, I wouldn't ever do anything without asking her to understand why we are doing it. When you say the implications of comingling, we have been assured that the money has already been taxed, so we wanted to use it in a tax advantaged account. Are there specific implications I a...
by clip651
Mon Jul 10, 2017 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Investing a Windfall
Replies: 10
Views: 2093

Re: Investing a Windfall

Is your wife's inheritance still in the trust? How is it currently held or invested (e.g. bank account, investment account, etc)? You may already be doing this, but since it is her inheritance, she needs to be comfortable with how it is invested. Asset allocation, risks, goals for the money all need...
by clip651
Mon Jul 10, 2017 12:15 am
Forum: Personal Consumer Issues
Topic: A question about GENTLE excercise.............
Replies: 22
Views: 2989

Re: A question about GENTLE excercise.............

Is there a way to get a sample of Classical Stretch (or the aging version, if that's different), before purchasing? From the verbal description, it sounds very interesting. Thanks! RM Check your PBS listings for episodes. Note that these episodes may be from different seasons of the show. The most ...
by clip651
Sun Jul 09, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 7155

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

You can buy hard boiled eggs (already boiled and peeled) for an easy source of protein if you don't have leftovers from a healthy dinner. Fruit, yogurt, cottage cheese, various veggies (salad or baby carrots, etc) are also easy to pack. Peanut butter with a banana, or with whatever bread or crackers...
by clip651
Sat Jul 08, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: A question about GENTLE excercise.............
Replies: 22
Views: 2989

Re: A question about GENTLE excercise.............

Look at Classical Stretch with Miranda Esmonde White. She is on many PBS channels, has a website with DVDs for sale (also available on Amazon I think), and there is also an online streaming option. Variety of exercises including many for beginners, website has tips about where beginners should start...
by clip651
Tue Jun 27, 2017 3:33 pm
Forum: Investing - Theory, News & General
Topic: Illinois: A slow swimming black swan?
Replies: 32
Views: 5719

Re: Illinois: A slow swimming black swan?

Also keep in mind that Illinois bonds have been downgraded multiple times at this point (I don't know the details, but there have been news headlines a number of times over the past few years to that effect). So it seems to me that even within muni bonds, sticking to funds that invest in higher qual...
by clip651
Thu Jun 22, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 34599

Re: Early Retirement - what to do about healthcare?

I suspect it also means they've never been seriously sick or injured. When you have cancer, a heart attack, are in a serious car accident with injuries, or even have newly diagnosed diabetes or an immune-mediated disease, it is not necessarily going to be a good time to pick up and move to another c...
by clip651
Fri Jun 02, 2017 5:47 am
Forum: Investing - Help with Personal Investments
Topic: IRA Index picks?
Replies: 23
Views: 2117

Re: IRA Index picks?

Just to check, do you have enough earned income this year to contribute to a Roth?

cj
by clip651
Thu Jun 01, 2017 12:16 am
Forum: Personal Consumer Issues
Topic: How best to care for someone who frequently falls
Replies: 32
Views: 3677

Re: How best to care for someone who frequently falls

It is tough. A couple more ideas I didn't see mentioned yet. Have his doctor do a thorough review of his medications to see if any may be causing problems, either individually or in combination. I have two older family members who were falling because meds were dropping their blood pressure just a b...
by clip651
Fri May 26, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Can I really pay no capital gains on $100k?
Replies: 31
Views: 7968

Re: Can I really pay no capital gains on $100k?

No, if the divorce is final before 12/31/2017, the IRS will consider the taxpayer unmarried for all of 2017 (unless of course the TP remarries before the end of the year.) In general, marital status for filing status purposes depends on one's status on the final day of the tax year. (The only excep...
by clip651
Fri May 26, 2017 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Can I really pay no capital gains on $100k?
Replies: 31
Views: 7968

Re: Can I really pay no capital gains on $100k?

(deleted, see correction by dodecahedron in next post)
by clip651
Fri May 26, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: 4 Years to Retirement. Want to get out of Fidelity PAS. Need Advice
Replies: 51
Views: 4798

Re: 4 Years to Retirement. Want to get out of Fidelity PAS. Need Advice

Keep in mind you are comparing things at different risk levels, and doing so looking back at a bull (rising) market. It is very normal for total stock market (all stocks, high risk) to outperform something with a 5 of 10 risk level in the rising market conditions. What was the asset allocation for y...
by clip651
Thu May 25, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help my wife choose her retirement allocation
Replies: 14
Views: 1356

Re: Help my wife choose her retirement allocation

She has an IRA with 33K and about 15K in a "Safety Net". Also both of our accounts are linked to maximize the tax lost harvesting and investment of dividends in the most tax efficient way. Tax loss harvesting is not possible within an IRA. Trades can be made back and forth when things go up and dow...
by clip651
Thu May 18, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7832
Views: 1607366

Re: U.S. stocks in freefall

All I did was buy more shares and move more into my settlement fund Go ahead, keep dropping please. * for future reference, as long as a trade is submitted before closing bell, does it matter if you use a linked bank account or settlement fund? I find moving money to that fund forces me to invest a...
by clip651
Sat Apr 29, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?
Replies: 24
Views: 1868

Re: Co-pay health insurance- Varying costs for specific and same blood tests needed regularly?

Labs can vary in quality. I'd be leery of going to a place that didn't require a doctor's order, unless my doctor (or other reputable research of some sort, beyond they lab itself telling me that they're great) could tell me that the lab was truly reputable. Anyone can print out "results." The actua...
by clip651
Fri Apr 28, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 175
Views: 39226

Re: Vanguard has switched to brokerage only accounts

What is the difference between brokerage and non-brokerage account? Did I miss something here? If you are buying and holding Vanguard mutual funds, there is little effective difference. There are some differences in some account features that have been discussed above, these may or may not be impor...
by clip651
Fri Apr 28, 2017 4:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 175
Views: 39226

Re: Vanguard has switched to brokerage only accounts

The conversion is a great concern of mine. My employer will not allows me to hold brokerage accounts with outside firms. If Vanguard tried to do this I would have to close all accounts and transfer the assets away. If Vanguard forces this on me it would be a major negative event in my life. I am fa...
by clip651
Thu Apr 27, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Cash allocation and Joint account holder greed
Replies: 10
Views: 911

Re: Cash allocation and Joint account holder greed

Why not pay the hospital bills? Are they in error??
by clip651
Fri Apr 21, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Blowout [poor] investment RYJUX and replace with what?
Replies: 15
Views: 1738

Re: Blowout [poor] investment RYJUX and replace with what?

Yep I'm admitting my ignorance and lack of knowledge of the stock market. Guilty on both counts.. But that's exactly why I signed onto this forum and asked for assistance in replace these funds in my Taxed Fidelity account :) I don't think anyone here is trying to make you feel bad or guilty. They ...
by clip651
Fri Apr 21, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Grandparent's Variable Annuity and Edward Jones
Replies: 9
Views: 2244

Re: Grandparent's Variable Annuity and Edward Jones

My grandparents who are in their eighties informed me that they would be receiving their annual rent check from their farm and asked if I knew of any good investments. My grandma mentioned that they had an account that they funded awhile ago that payed around 3.5%. Their "guy" told them they could ...
by clip651
Mon Apr 17, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 11304

Re: Hearing aid 101

hearing loss because of not hearing clearly I believe that this is my problem and I haven't really found a satisfactory solution. I was out visiting friends recently who were showing me their new Amazon Echo. I had difficulty understanding Alexa even at a fairly high volume level. A few evenings pr...
by clip651
Sun Apr 16, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Illusion of poverty/wealth
Replies: 166
Views: 29760

Re: Illusion of poverty/wealth


I'm not sure how we resolve that.
From a random reader .... agree to disagree. Or simply let it go.
by clip651
Wed Mar 22, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: My son wants to move to Hong Kong
Replies: 35
Views: 5974

Re: My son wants to move to Hong Kong

If your son is open to advice, and/or is reading this thread, here are a few things I would suggest before moving to another country and/or marrying someone from another country: 1) visit the new country first, either for as long as possible, or for multiple visits. See if you like the location, wea...
by clip651
Wed Mar 15, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Docs/Surgeons/ARNPs
Replies: 23
Views: 3664

Re: Question for Docs/Surgeons/ARNPs

toofache32 wrote:What other industry expects workers to go into their place of business at 2am, to see a customer they never met, who will likely never pay them, but can still sue them for millions? Who does this?
Veterinarians do this, though the lawsuits are for smaller amounts.
by clip651
Wed Mar 15, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 34599

Re: Early Retirement - what to do about healthcare?

I'm not targeting early retirement, so I don't have any specific info for you. But health care and health insurance is in serious flux right now in the USA. It's possible the situation will become more clear and predictable in the coming years, but no one really knows. So it's very difficult to accu...
by clip651
Fri Mar 10, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: High Cost Prescriptions For Free
Replies: 24
Views: 3174

Re: High Cost Prescriptions For Free

I have never heard of uncovered expense by health insurance. Maybe plastic surgery? There are lots and lots of things Medicare doesn't cover. (And lots and lots of things that it does cover, of course.) All insurance plans list what they cover, and what they don't. There is always a list of things ...
by clip651
Wed Mar 08, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley or Balanced index?
Replies: 26
Views: 3531

Re: Wellesley or Balanced index?

Thanks CJ, I'm aware of the risks of equities. I'm comfortable w/ some moderate risk, knowing the market will go up and down over the yrs. I've learned to tune out noise and know that staying the course is the way to go, even w/ some turbulence - I just don't want too much turbulence :happy Balance...
by clip651
Wed Mar 08, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley or Balanced index?
Replies: 26
Views: 3531

Re: Wellesley or Balanced index?

Thanks CJ, I'm aware of the risks of equities. I'm comfortable w/ some moderate risk, knowing the market will go up and down over the yrs. I've learned to tune out noise and know that staying the course is the way to go, even w/ some turbulence - I just don't want too much turbulence :happy Balance...
by clip651
Wed Mar 08, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley or Balanced index?
Replies: 26
Views: 3531

Re: Wellesley or Balanced index?

Thanks CJ, I'm aware of the risks of equities. I'm comfortable w/ some moderate risk, knowing the market will go up and down over the yrs. I've learned to tune out noise and know that staying the course is the way to go, even w/ some turbulence - I just don't want too much turbulence :happy Balance...
by clip651
Wed Mar 08, 2017 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley or Balanced index?
Replies: 26
Views: 3531

Re: Wellesley or Balanced index?

SO.... Why would one be better than the other for a newbie who wants a hands off, all in one fund? Well, for a newbie, you want to be sure you have figured your risk tolerance as well as you can. If you've done that, and Vanguard's balanced index VBINX or VBIAX (all US stocks and bonds, 60/40 stock...
by clip651
Wed Mar 08, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: High Cost Prescriptions For Free
Replies: 24
Views: 3174

Re: High Cost Prescriptions For Free

Question All health insurance options come with out of pocket maximum (OPM). I understand that $4K per month is very expensive but assuming your OPM is say 8K, it is impossible to spend more than OPM in a calendar year. This is the law. Unless you have a problem with OPM amount, I am not sure what ...
by clip651
Mon Mar 06, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Success! at least mostly)
Replies: 47
Views: 5635

Re: Helping my MIL figure out her holdings (no idea where)

runner9 wrote: Please see section 10 of How to Complete the
Transfer Request Form for further details.
I've no expertise, but what does section 10 of the "How to Complete Transfer Requst Form" say?
by clip651
Fri Mar 03, 2017 3:32 pm
Forum: Investing - Theory, News & General
Topic: BND flat today despite interest rate announcement
Replies: 22
Views: 4054

Re: BND flat today despite interest rate announcement

After the announcement today that the Fed will almost certainly raise rates this month I didn't look at the announcement. But the Fed has been "almost certain to raise rates" or otherwise strongly indicating a raise at the next meeting quite a few more times recently than they've actually raised th...