Search found 40 matches

by catdoctor
Tue Mar 23, 2021 11:31 am
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5268

Re: Baylor, Auburn or ‘Bama?

I doubt there is a huge difference between Auburn and Bama contrary to what their fans say. Auburn is the classic college town. It is less than 2 hours to Atlanta and other major Southern cities are not too far away. AL is more liberal arts. AU is more science. The law school is at AL. The Veterina...
by catdoctor
Wed Mar 17, 2021 8:57 am
Forum: Personal Investments
Topic: We sold our business. Help us invest the windfall
Replies: 63
Views: 8559

Re: We sold our business. Help us invest the windfall

JoeRetire wrote: Tue Mar 16, 2021 5:36 pm I'd pay for each child's education. You get to decide if that's better or not.
+1
by catdoctor
Fri Feb 12, 2021 11:46 am
Forum: Personal Consumer Issues
Topic: Top thing you worry about in your life now
Replies: 24
Views: 1666

Re: Top thing you worry about in your life now

Children
The future they will live in
by catdoctor
Sat Jan 30, 2021 8:06 am
Forum: Personal Investments
Topic: Lange Financial/James Lange
Replies: 5
Views: 685

Re: Lange Financial/James Lange

Thanks to all. FYI, before posting, I did check the archives. I did not find anything recent. Most posts were 3+ years ago.
by catdoctor
Fri Jan 29, 2021 5:55 pm
Forum: Personal Investments
Topic: Lange Financial/James Lange
Replies: 5
Views: 685

Lange Financial/James Lange

Does anyone have experience/opinion on Lange Financial? More interested in tax planning, roth conversions, estate planning, etc. Not that interested in money management.
by catdoctor
Tue Jan 26, 2021 8:22 pm
Forum: Personal Consumer Issues
Topic: Would you want a sidewalk or no?
Replies: 47
Views: 3593

Re: Would you want a sidewalk or no?

I live in a small neighborhood (19 homes) with two dead end cul-de-sacs and a short entry street. We have sidewalks all the way around the neighborhood on both sides of the street excepting only on one side for the entry street. It was a new development of custom built homes when we built ours and ...
by catdoctor
Wed Jan 20, 2021 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: 1099, QLAC, CGA
Replies: 1
Views: 125

1099, QLAC, CGA

Last year I made a Roth conversion, bought a QLAC, and did a CGAnnuity.
I received my 1099, and the total for all three are in the balance - all one lump sum.
Are the QLAC and the CGA supposed to be on the 1099?
by catdoctor
Mon Jan 18, 2021 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Advice to Avoid/Minimize MA Estate Tax
Replies: 60
Views: 3343

Re: Advice to Avoid/Minimize MA Estate Tax

I am interested in the answers, as I am in a similar situation in WA.
by catdoctor
Sun Jan 17, 2021 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Estate taxes
Replies: 5
Views: 595

Re: Estate taxes

My question: If one has a 20k Roth, it is worth 20k. A 20k trad. IRA is only worth (20k - the income tax due). So, when an estate is valued for estate tax reasons, is the trad IRA valued at 20k, or (20k - tax due)?
by catdoctor
Sat Jan 16, 2021 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Estate taxes
Replies: 5
Views: 595

Estate taxes

For estate tax purposes, is money in a traditional IRA valued the same as money in a Roth IRA?
by catdoctor
Mon Jan 11, 2021 11:36 am
Forum: Personal Investments
Topic: Current thoughts on PRIMECAP Core
Replies: 3
Views: 561

Re: Current thoughts on PRIMECAP Core

I own it. I like it. I have no plans to sell it.
by catdoctor
Thu Jan 07, 2021 10:59 am
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 86
Views: 8891

Re: Rice Cooker

[/quote]

Washing two pots and a colander for rice? No thanks.
[/quote]
+1
by catdoctor
Thu Dec 31, 2020 3:57 pm
Forum: Personal Consumer Issues
Topic: A fantastic alternative to a Peloton (at least for me)
Replies: 25
Views: 3475

Re: A fantastic alternative to a Peloton (at least for me)

I have friends that have Zwift and like it a lot. I will keep my Peloton.
by catdoctor
Tue Dec 29, 2020 1:20 pm
Forum: Personal Investments
Topic: Inheritance Help
Replies: 29
Views: 1778

Re: Inheritance Help

+1 on what Flobes said
by catdoctor
Fri Nov 20, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Hassle free luxury car
Replies: 155
Views: 11635

Re: Hassle free luxury car

hunoraut wrote: Tue Oct 27, 2020 9:16 am
FireSekr wrote: Tue Oct 27, 2020 8:02 am A Lexus isn’t sporty....
If you want a sporty luxury car Audi, BMW, or Mercedes are on another level
Lexus is the few manufacturers left with a naturally aspirated V8. It revs to 7300RPM. It's probably one of the sportiest motors left in production.
But do they all have that ugly grill?
by catdoctor
Wed Nov 18, 2020 6:01 pm
Forum: Personal Investments
Topic: Single Premium Immediate Annuity
Replies: 24
Views: 4375

Re: Single Premium Immediate Annuity

With all the deaths from COVID, will they affect the mortality tables, and thus change the SPIA payouts?
by catdoctor
Tue Nov 10, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving money to kids in a trust (or not)
Replies: 35
Views: 3833

Re: Leaving money to kids in a trust (or not)

Da5id wrote: Mon Nov 09, 2020 8:00 pm UMTA is one route. But worth noting that assets in the child's name count massively against college Financial Aid if/when the time comes.
+1
by catdoctor
Sun Nov 01, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: I just bought a Peloton - Love it!
Replies: 116
Views: 10860

Re: I just bought a Peloton - Love it!

“Different strokes for different folks,” an aphorism that so many people on this board have a hard time accepting. As for me, I ordered a Peloton two days ago. It will arrive December 28. I ordered mine Sept. 20. It will arrive Dec. 17! Long wait! I had a Peloton on order from July 2, but changed t...
by catdoctor
Sun Oct 11, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: Mountain Cabin - Where would you own?
Replies: 27
Views: 4155

Re: Mountain Cabin - Where would you own?

Cheez-It Guy wrote: Sat Oct 10, 2020 7:03 pm I guess it's all relative, but what is the short ride from anywhere in Tennessee to any beach?
+1
by catdoctor
Sun Oct 04, 2020 9:12 am
Forum: Investing - Theory, News & General
Topic: Dying Broke (On Purpose) Article
Replies: 138
Views: 11261

Re: Dying Broke (On Purpose) Article

flaccidsteele wrote: Sun Oct 04, 2020 4:19 am
Kookaburra wrote: Sat Oct 03, 2020 11:16 pm The article implies that one must spend money to have optimal experiences. I certainly don’t agree with that.
+1 ^ this
+2
by catdoctor
Wed Sep 23, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: Just Ordered Peloton Bike
Replies: 194
Views: 19661

Re: Just Ordered Peloton Bike

Happy to find this thread. I'm so excited. My bosses just gifted me a Peloton Bike Plus. I am scheduled for a knee replacement in early November and biking is one of the few things that isn't painful. It should be excellent for rehab and building back strength. Wow, that is a nice gift! :shock: +1
by catdoctor
Sun Sep 20, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Anyone REGRET retiring too soon?
Replies: 77
Views: 15231

Re: Anyone REGRET retiring too soon?

Cleverusername wrote: Sun Dec 09, 2018 4:48 pm Very curious if anyone regrets doing it too soon and why.
No regrets!
by catdoctor
Wed Sep 09, 2020 6:05 pm
Forum: Personal Consumer Issues
Topic: Expensive Cat Drug Prescription! Help - Options?
Replies: 24
Views: 1717

Re: Expensive Cat Drug Prescription! Help - Options?

Using a Flovent inhaler is the definitely the best way to treat feline asthma. Costco is probably the cheapest USA option though I know I’ve had clients get it from Canada and save quite a bit. Depending on the drug (no idea about Flovent) GoodRX can sometimes get you a decent discount as well. If ...
by catdoctor
Wed Sep 09, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Just Ordered Peloton Bike
Replies: 194
Views: 19661

Re: Just Ordered Peloton Bike

So good news on this. The price for the bike has been reduced 350 dollars which is pretty crazy considering the pandemic has brought the demand to all time highs. The lead time was up to 12 weeks back in May when I bought it. Any recent customer will get the 350 dollar credit as well. I just got th...
by catdoctor
Fri Sep 04, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: Just Ordered Peloton Bike
Replies: 194
Views: 19661

Re: Just Ordered Peloton Bike

There is a very strong rumor out there that Peloton will be announcing a new bike. The new bike will have additional features eg tablet that pivots and integration with Apple Watch. I have a bike due in 4 weeks. I just contacted Peloton to ask if I could swap to the upgraded version. I was told tha...
by catdoctor
Tue Sep 01, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7633

Re: Cardio alternatives to treadmills?

RJC wrote: Tue Sep 01, 2020 1:19 pm Peloton. It has been a game-changer for us.
+1
by catdoctor
Tue Sep 01, 2020 9:34 pm
Forum: Personal Investments
Topic: Annuitizing vs. 4% withdrawls
Replies: 45
Views: 2689

Re: Annuitizing vs. 4% withdrawls

How much better is the annuity if you get life only and not 10 year certain?
by catdoctor
Tue Aug 11, 2020 4:07 pm
Forum: Investing - Theory, News & General
Topic: Dan Wiener just shutdown his forum
Replies: 88
Views: 14437

Re: Dan Wiener just shutdown his forum

celia wrote: Tue Aug 11, 2020 12:36 am I followed some of his recommendations and am glad I got into the Heath Care, Capital Opportunity, and Dividend Growth funds when I did.
Same with me!
by catdoctor
Mon Jul 27, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Recommend a mattress?
Replies: 50
Views: 5359

Re: Recommend a mattress?

kirkland signature by Stearns & Foster
by catdoctor
Tue Jul 14, 2020 4:07 pm
Forum: Investing - Theory, News & General
Topic: Are Roth IRAs “Pay taxes once and never again” really best?”
Replies: 131
Views: 11220

Re: Are Roth IRAs “Pay taxes once and never again” really best?”

RMD's and/or withdrawals from a traditional IRA may increase medicare premiums. No such problem with a Roth.
by catdoctor
Mon Jul 13, 2020 7:45 am
Forum: Personal Consumer Issues
Topic: Car, Remodel or Pool?
Replies: 74
Views: 4167

Re: Car, Remodel or Pool?

#2, no to #3
by catdoctor
Thu Jun 04, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 68
Views: 4803

Re: Should I purchase my end-of-lease Audi A4?

The A4 is pretty ugly, there's a company called Lexus, and they are making really beautiful cars, especially the grill. Return it and get the Lexus RX350 with this grill: https://scl-performance.com/sites/default/files/imagesgalery/_dsc6681.jpg My sarcasm meter just blew past the top reading and br...
by catdoctor
Thu Jun 04, 2020 8:24 am
Forum: Personal Investments
Topic: Wellesley, LifeStrategy Conservative Growth and/or Target Retirement Income Funds for Risk-averse retiree
Replies: 17
Views: 2079

Re: Wellesley, LifeStrategy Conservative Growth and/or Target Retirement Income Funds for Risk-averse retiree

livesoft wrote: Wed Jun 03, 2020 3:07 pm Your thread title lists 3 funds that are all pretty similar. I can only tell you that whichever one you decide to purchase will do worse than the other two, so don't buy that one.
:happy
by catdoctor
Sat May 30, 2020 7:55 pm
Forum: Investing - Theory, News & General
Topic: Single Favorite Mutual Fund
Replies: 102
Views: 11508

Re: Single Favorite Mutual Fund

POAGX
by catdoctor
Thu Apr 02, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 188
Views: 19360

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

Moved from the deep South to WA state, near the Canadian border. No regrets.
by catdoctor
Sun Dec 15, 2019 9:50 am
Forum: Personal Investments
Topic: How to best invest in wife's Roth IRA?
Replies: 12
Views: 720

Re: How to best invest in wife's Roth IRA?

I wouldn't keep a "safe" fund in a Roth account. The main advantage of a Roth is tax free growth, so you want something that's going to grow the most (stock funds). Especially if you have many years until retirement. Keep your safer, bonds and/or cash in tax deferred accounts. A Roth is a...