Search found 527 matches

by JaneyLH
Tue Jul 31, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: If History says.... would you change 4% rule ?
Replies: 27
Views: 2975

Re: If History says.... would you change 4% rule ?

Hard to believe nobody has brought up Bogleheads Variable Percentage Withdrawal method. https://www.bogleheads.org/wiki/Variable_percentage_withdrawal This is what I’m doing, as I have no need to leave a large legacy to anyone. Having no children, my husband and I are enjoying the retirement we hope...
by JaneyLH
Tue Jul 31, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 7332

Re: Hold one stock 25 years

No single stocks, I’ve been working over the last few years to divest myself of them.
by JaneyLH
Sat Jul 28, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-Spouse and Will Executor Hasn't Paid Bequest
Replies: 33
Views: 4572

Re: Ex-Spouse and Will Executor Hasn't Paid Bequest

[/quote] Civil is one thing, criminal is another. I have the quaint notion that people should be called to account for theft, at least exposed as thieves, even if no action is taken. [/quote] Yes, that is what is in the back of my mind. At least the original attorney who drew up the trust will know,...
by JaneyLH
Sat Jul 28, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-Spouse and Will Executor Hasn't Paid Bequest
Replies: 33
Views: 4572

Re: Ex-Spouse and Will Executor Hasn't Paid Bequest

My gut reaction from the outside, and with the limited information, that it just isn't worth it to chase after $10k. And while the FIL clearly wanted OP to have money, would FIL want his son embroiled in a civil or even criminal malfeasance investigation? Actually, my former FIL was not my ex-husba...
by JaneyLH
Fri Jul 27, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-Spouse and Will Executor Hasn't Paid Bequest
Replies: 33
Views: 4572

Re: Ex-Spouse and Will Executor Hasn't Paid Bequest

Many thanks to everyone who replied. There is always a wealth of wisdom to be mined here! My takeaway from all this good advice is that I don't care enough about a relatively small bequest to get a lawyer involved or try to collect it in some fashion. I am more interested in obtaining closure, and c...
by JaneyLH
Wed Jul 25, 2018 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-Spouse and Will Executor Hasn't Paid Bequest
Replies: 33
Views: 4572

Re: Ex-Spouse and Will Executor Hasn't Paid Bequest

I would contact the attorney who contacted you. Even if he is not still in business, you may be able to reach him. If he is ethical, he ought to be able to do something about this especially since the responsible person is a family member. Since the attorney was presumably the trust attorney he may...
by JaneyLH
Wed Jul 25, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 7702

Re: Daughter wants to travel on her own to Montreal

cherry cake with pits Thanks for my "you learn something every day" moment! Apparently that's called Spuckkuchen or "spit cake" and the particular sour cherries used in it are so small that they can't be pitted whole. Ah... so good to know what I was eating 48 years ago!
by JaneyLH
Wed Jul 25, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Ex-Spouse and Will Executor Hasn't Paid Bequest
Replies: 33
Views: 4572

Ex-Spouse and Will Executor Hasn't Paid Bequest

My former father-in-law passed away in 2011 and left me a bequest of $10,000. His attorney contacted me to double-check my contact information, then sent me a copy of his estate trust and a notification that I was a trust beneficiary. His stepson, my ex-husband, is the trustee. I have never received...
by JaneyLH
Wed Jul 25, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 7702

Re: Daughter wants to travel on her own to Montreal

Your daughter will likely gain a significant life experience by taking this trip, and it could impact her future in ways you can't imagine. Having never traveled out of state or away from my parents, I spent the summer between high school and college working in Germany. My high school German teacher...
by JaneyLH
Wed Jul 25, 2018 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Guilt at buying nice things for myself
Replies: 28
Views: 4155

Re: Guilt at buying nice things for myself

Over time I have learned what I really value (travel, experiences, music, time with friends) and what I don't value (cars, houses, fancy clothes, new electronics, general stuff). I spend a lot on the former and the bare minimum on the latter. As for what other people think, I could not care less. +...
by JaneyLH
Wed Jul 25, 2018 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 19084

Re: Salary vs. Lifestyle

Over a 10-year period, I earned an average of $300k annually. My job was high stress and required long hours and travel, but I enjoyed the achievement. I had a beautiful house and nice car but I ended up losing my husband. At a pivotal time in my career I made the decision to change direction and be...
by JaneyLH
Wed Jul 25, 2018 12:04 am
Forum: Personal Finance (Not Investing)
Topic: long term care insurance - is it worth it ?
Replies: 8
Views: 1307

Re: long term care insurance - is it worth it ?

Here was my thinking... At any time I could have an accident or develop an unexpected serious illness that could require expensive ongoing care. Do I want to place my spouse in a position of having to deal with the financial fallout of this situation and possibly rob him of the future he spent his e...
by JaneyLH
Sat Jun 30, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: States that are investments/tax unfriendly?
Replies: 27
Views: 3721

Re: States that are investments/tax unfriendly?

Consider Nevada. Beautiful eastern Sierra... No state income tax and home prices about half of California (except for Tahoe lakeview homes!}
by JaneyLH
Thu Jun 28, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?
Replies: 21
Views: 3645

Re: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?

The Chase Sapphire Reserve is essentially a $150 card, since you're getting credit for $300 of your travel expenses. You also get TSA Precheck/Global entry credit, which will save you plenty of time and hassle, especially returning exhausted from an international flight--I was through immigration a...
by JaneyLH
Thu Jun 28, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Do you cancel old credit cards?
Replies: 55
Views: 6817

Re: Do you cancel old credit cards?

I would never open an account that charged me a fee. so I see no need to cancel an old one. If you fly frequently, you probably wouldn't mind paying a fee to get the 50,000 bonus miles and Priority Lounge Pass. TravelforFun I got my Chase Sapphire Reserve card when they were still offering 100,000 ...
by JaneyLH
Thu Jun 28, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 70
Views: 9917

Re: Pre nups.

While I agree that each party should have a separate attorney - if both parties are 100% in agreement - might not two attorneys from the same firm tend to reduce costs? Having the same attorney can compromise the integrity of the document and gives the lesser net worth spouse the opportunity to cha...
by JaneyLH
Wed Jun 20, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 47
Views: 6001

Re: Vanguard Surveys

Sounds like Vanguard does a lot of surveying! I just received a request that was strictly customer satisfaction oriented -- and no payoff of any kind offered. The email said: "Vanguard would like your feedback. Vanguard is committed to providing you with exceptional service. For this reason, we...
by JaneyLH
Sat Jun 02, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: June in Paris: What to (or not to) wear, see and do?
Replies: 53
Views: 4070

Re: June in Paris: What to (or not to) wear, see and do?

Download the Rick Steves Louvre tour on your smartphone. Get a headphone splitter so you can both plug in earbuds at the same time. You will see all the “must see” treasures in the most logical way and hear a very entertaining narrative. You can cover the highlights in less than 2 hours without gett...
by JaneyLH
Sun May 27, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 6819

Re: Alexa Echo sent family's audio file to a contact

My husband and I were given an Echo as a Christmas gift. We would never have thought of getting one, but we set it up and enjoy having it. We start every day saying good morning to Alexa and learning something interesting about what happened on that date. Alexa tells us what the weather will be and ...
by JaneyLH
Wed May 23, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Car wreck insurance settlement
Replies: 19
Views: 2652

Re: Car wreck insurance settlement

I was in a similar situation, except that I was rear-ended by an uninsured motorist, so it was my own auto insurance company that was responsible. My employer-provided medical insurance paid my medical bills but were repaid after I got my settlement. I did not get a lawyer and negotiated my own sett...
by JaneyLH
Sun May 20, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 33
Views: 2787

Re: Rental cars in Europe

I have had the experience of showing up to a rental car company at Heathrow only to be told they had run out of the economy car I had booked for 3 weeks. I was offered am upgrade to a large SUV at the same price. I refused because of the gas price and the difficulty parking such a large vehicle. I w...
by JaneyLH
Wed May 16, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 61
Views: 8240

Re: Amazon Prime - Decline in Delivery Service?

We are increasingly getting shipments late, sometimes days after due considering our Prime membership. Today I was ready to send in an order, but one Prime item showed up as being delivered "May 18-30". But if I was willing to pay $29.95, I could get it tomorrow! This was not a heavy or bu...
by JaneyLH
Tue May 15, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 4259

Re: Grand Canyon or other Nat'l Park in October?

I would vote Yosemite, Yosemite, Yosemite. Mid-October is beautiful there.
by JaneyLH
Tue May 15, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Company shows only 30-50% of the time to build screened porch
Replies: 10
Views: 1106

Re: Company shows only 30-50% of the time to build screened porch

Your state contractors board is a more potent agency to use than the BBB if escalation is needed. They regulate the licensing of contractors and administer fines. If you end up needing to file a complaint, they will investigate. The BBB can only publish a bad review and perhaps adjust their score fo...
by JaneyLH
Thu May 10, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 9969

Re: [Golf ball] cracked my house window. Do I have any recourse?

I had some friends who lived on a golf course, and enjoyed picking up all the balls that landed in their yard and giving them to their golfing friends. They usually had 2 or 3 baskets of balls sitting around the house. Once I was visiting and we were all sitting in the lovely backyard when I was hit...
by JaneyLH
Tue May 01, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 15291

Re: Amazon to raise Prime membership in US to $119 from $99

When Amazon delivers on its offer to Prime customers I am happy to pay for the service. I live in a community where there are few shopping alternatives. But in the last 6 mos or so, there are more and more instances where prime deliveries are late, and we are sometimes gone. Doesn’t work for us unl...
by JaneyLH
Sun Apr 29, 2018 8:08 pm
Forum: Investing - Theory, News & General
Topic: Has anyone started a brokerage account for their child?
Replies: 6
Views: 1379

Re: Has anyone started a brokerage account for their child?

A niece and a nephew. (Parents helped out with the paperwork.) Never procreated myself. :happy
by JaneyLH
Fri Apr 27, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 15298

Re: Cashing out of the Bay Area

I left the Bay Area in 2000 and am so glad I did. Sure, the home I left would have run up but once I didn't have to work at a Bay Area location I couldn't wait to escape the traffic and congestion. I've lived in the Lake Tahoe area for 18 wonderful years and couldn't be happier. My cost of living wa...
by JaneyLH
Fri Apr 27, 2018 8:53 pm
Forum: Personal Investments
Topic: Newly widowed and waay out of my league
Replies: 41
Views: 7090

Re: Newly widowed and waay out of my league

What a horrible, shocking thing you are going through. This is a great support group you have found. You will get sound, reliable advice. The counsel you have been given about not making any quick decisions is good. Give yourself some time to adjust to your new reality. I'm so sorry about your situa...
by JaneyLH
Thu Apr 26, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 15291

Re: Amazon to raise Prime membership in US to $119 from $99

When Amazon delivers on its offer to Prime customers I am happy to pay for the service. I live in a community where there are few shopping alternatives. But in the last 6 mos or so, there are more and more instances where prime deliveries are late, and we are sometimes gone. Doesn’t work for us unle...
by JaneyLH
Wed Apr 25, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 55
Views: 8344

Re: Electric Toothbrushes - again

Sonicare.
by JaneyLH
Sat Mar 24, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Recently Engaged, Considering Joint Account(s)
Replies: 26
Views: 2595

Re: Recently Engaged, Considering Joint Account(s)

My investment accounts are still in my maiden name. I have a prenuptual agreement that includes printouts of everything I (and he) brought into the marriage. We agreed those funds are ours alone. This is my second marriage. The first lasted 21 years and I thought it would last forever. I was wrong. ...
by JaneyLH
Sat Mar 24, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: financial advisory post-retirement?
Replies: 27
Views: 4030

Re: financial advisory post-retirement?

My experience has been the opposite of yours. During the 30+ accumulation years, I didn't have the time or ability to focus on learning about financial planning. I used a financial planner who did right by me. When she retired, I bridged a couple of years with her designated replacement. During that...
by JaneyLH
Sat Feb 24, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Ethics of selling a used car
Replies: 54
Views: 5773

Re: Ethics of selling a used car

If I were to put myself in the buyer' shoes, I would expect the buyer to take the car to their mechanic so they would know exactly what the car's condition is. I have encouraged buyers to do this -- figuring it was a win-win situation. Either the buyer would purchase it, or if not I would have a mec...
by JaneyLH
Wed Feb 21, 2018 6:31 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 555
Views: 76456

Re: Your USER NAME...what does it mean?

It's a nod to the Bruce Springsteen song "Janey Don't You Lose Heart". No special reason, just like the song.
by JaneyLH
Mon Feb 19, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 149
Views: 11403

Re: Long term care insurance

My husband and I have had John Hancock policies for about 5 years, since our late 50s. We have had two rate hikes but not too dramatic. So far we are continuing to pay to keep the same coverage. According to Clark Howard's advice, we are "wealthy enough" to self insure but we want to prote...
by JaneyLH
Mon Feb 19, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: The Final Frontier...just did my own taxes!
Replies: 14
Views: 1182

Re: The Final Frontier...just did my own taxes!

Thanks everyone for the support! This does feel big to me, and your messages back are the icing on the cake! Next stop: download tax estimating spreadsheet... I just wrote a nice note to my former tax preparer, letting her know I'm now a tax DIYer. She was fine, but I'm going to take the money I sav...
by JaneyLH
Sat Feb 17, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: The Final Frontier...just did my own taxes!
Replies: 14
Views: 1182

Re: The Final Frontier...just did my own taxes!

I started doing this a couple of years ago and the process has given me quite a bit of insight into the ins-and-outs of the tax code. My college teacher use to say the same thing! Something like, learning the tax code is the secret to knowing what the government wants to encourage us to do, based o...
by JaneyLH
Sat Feb 17, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: The Final Frontier...just did my own taxes!
Replies: 14
Views: 1182

The Final Frontier...just did my own taxes!

With all the confidence I gained from reading the many threads about doing your own taxes, I finally took the plunge this year. Three years after shedding my financial advisor and saving about $30,000 annually in investment expense, I took control of my own tax return. I was very intimidated due to ...
by JaneyLH
Sun Feb 04, 2018 10:40 pm
Forum: Personal Investments
Topic: 401k Advice for a Boglehead in Training
Replies: 16
Views: 1612

Re: 401k Advice for a Boglehead in Training

Even asking these questions and thinking about your investments proves you are way ahead of the game, compared to your peers. My husband and I have tried to instill some of this thinking with our niece and nephew. Only took with the nephew, who just graduated. We're happy he is thinking now about ho...
by JaneyLH
Thu Feb 01, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 10008

Re: Anyone else cashing out on *some* of the crazy earnings?

Now a few years into our retirement, my husband and I have been underspending. We decided to take advantage of the increase in our portfolio by buying a new travel trailer and committing to a pretty expensive 3-week cruise for 2019. We have immediately cashed out enough to pay for these.. about $60k...
by JaneyLH
Wed Jan 31, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 3962

Re: looking for positive experiences transferring to Vanguard

Moved everything to Vanguard about 3 years ago. Smooth transition and good advice throughout the process. Good experience since then.
by JaneyLH
Mon Jan 29, 2018 12:29 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2491
Views: 254346

Re: Netflix, Your Current Favorite Show

Also, any fans of mysteries will love Broadchurch. Twists and turns galore!
by JaneyLH
Mon Jan 29, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2491
Views: 254346

Re: Netflix, Your Current Favorite Show

Am halfway through the new season of Frankie and Grace and loving it. Particularly the story line about Grace’s need for a knee replacement and her total denial of the reality of her situation. Also her friend’s worsening dementia. The show is doing a great job of portraying the drip... drip... drip...
by JaneyLH
Tue Jan 23, 2018 8:45 pm
Forum: Personal Investments
Topic: Input Requested on Non-Profit Scholarship Endowment Investments
Replies: 2
Views: 327

Re: Input Requested on Non-Profit Scholarship Endowment Investments

Thank you FiveK. Most of our students are enrolling in lower cost universities... I just found out that my nephew's Syracuse University tuition is $72,000 this year. His first year was $46,000. That's crazy!
by JaneyLH
Tue Jan 23, 2018 3:00 pm
Forum: Personal Investments
Topic: Input Requested on Non-Profit Scholarship Endowment Investments
Replies: 2
Views: 327

Input Requested on Non-Profit Scholarship Endowment Investments

I realize this isn't exactly a personal investment, but it's personal to me as I am on the board of a non-profit organization that has amassed an endowment of nearly a half million dollars that funds scholarships for graduating high school seniors in a depressed area. One student is selected each ye...
by JaneyLH
Mon Jan 22, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: Kauai Travel Tips
Replies: 43
Views: 3148

Re: Kauai Travel Tips

If you plan to hike, be sure to bring hiking poles.

I didn’t and broke my ankle after a slip in that red sticky/greasy mud... the kind they use to stain the touristy red t-shirts. Since it rains frequently the mud is hard to avoid.

:(
by JaneyLH
Sun Jan 21, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 58164

Re: Does anyone here with net worths north of $1 mil use financial advisors?

My FA is Bogleheads.org, the books, the wiki ... Their charge for AUM seems reasonable. Many thanks to all. +1 :) They never asked how we invest, but did express some envy of our vacation travel. Had they asked, I would have told them we travel on the money we avoid paying on AUM fees. I have been ...
by JaneyLH
Sun Jan 21, 2018 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 58164

Re: Does anyone here with net worths north of $1 mil use financial advisors?

My FA is Bogleheads.org, the books, the wiki ... Their charge for AUM seems reasonable. Many thanks to all. +1 :) +2 $50k more to play with every year. Just bought a beautiful brand new travel trailer with the money we used to pay our FA for 8 months’ (poor) advice. And much more confident about ou...