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Re: How to Handle Death of a Tenant

To be honest you're not going to get far attempting to hold the remaining tenant responsible if she cannot pay. Not worth going to court or having her or someone else trash the house because "the mean landlord doesn't care that my roommate died". I'd send my condolences, say something like...
by awval999
Wed Apr 09, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: How to Handle Death of a Tenant
Replies: 19
Views: 1621

Re: Putting $ away for children

I will preface this with the fact that I am a 28 year old young professional. And that my family is not nearly as blessed as yours in regards to money. I would be earnestly disappointed that my father wouldn't trust me and would be trying to control my financial future while I am an adult. It's time...
by awval999
Fri Apr 04, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Putting $ away for children
Replies: 103
Views: 5439

Re: Transmission rebuilt ($2k) or buy a new car? [Honda Civi

Personally.... I'll go against the grain here. I'd buy a new one. The car is 15 years old. Has 170,xxx miles on it. It's been a great companion. But it's time to take her to the great big junkyard in the sky. You're missing out on new safety features by continuing to drive the 1999 model. In additio...
by awval999
Thu Apr 03, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: Transmission rebuilt ($2k) or buy a new car? [Honda Civic]
Replies: 23
Views: 1134

Re: Tipping should be based on time not amount

You can do what you want but be prepared for pushback/inadequate service if you frequent the same establishments.
by awval999
Tue Mar 18, 2014 6:54 am
 
Forum: Personal Consumer Issues
Topic: Tipping should be based on time not amount
Replies: 33
Views: 1964

Re: Confession: I bought a stock. What is wrong with me?

Come on. Tell us the name of the drug. The health care members here want to know.

Some sort of lidocaine ointment? EMLA cream?
by awval999
Sun Mar 16, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 25
Views: 2149

Re: Cousin's Wedding

There's only two options. 1. No thank you, I cannot attend. You deal with the subsequent family drama. 2. Yes, I will attend, thank you for inviting me. You deal with the subsequent financial costs. Unfortunately life throws you curves. But the curves are what make life worth living. To answer your ...
by awval999
Fri Mar 14, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: Cousin's Wedding
Replies: 53
Views: 3590

Re: Can I retire yet?

You can retire. Perhaps not at the standard of living you desire. But you don't have to work another day in your life if you don't want to. Edit: please itemize those expenses. They aren't even realistic. $10k a month in expenses? You could have a leased Porsche, eat only organic foods, give the kid...
by awval999
Sat Mar 08, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire yet?
Replies: 85
Views: 5810

Re: Can my grandfather take out his IRA and buy a house to r

If he wants to live better than how about an SPIA. I imagine it pays quite well for an 89 year old. Of course nothing will be left for the inheritors.
by awval999
Tue Feb 25, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can my grandfather take out his IRA and buy a house to rent?
Replies: 42
Views: 2443

Re: Kid on the way... Can wife stay at home?

To start you'd have to sell your house and look at something in the $150k range.
by awval999
Sun Feb 23, 2014 11:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kid on the way... Can wife stay at home?
Replies: 34
Views: 2383

Re: Getting Best Price for a Prescription Drug

Where are the minefields? I know that shipping is ground and takes 10 days or more. I did a google search for the generic version but can't find any reliable reviews or information. The re-importation of prescription drugs into the United States from Canada is illegal. https://help.cbp.gov/app/answ...
by awval999
Sun Feb 16, 2014 9:55 am
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 3746

Re: Voluntary Separation Package Advice

I would take it. It's only "voluntary" this time. Next time it won't be. Like others have said, they wouldn't be asking you to separate if you were irreplaceable.
by awval999
Sat Feb 15, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Voluntary Separation Package Advice
Replies: 47
Views: 2878

Re: Any less expensive sources for Lipitor?

Zocor (simvistatin) is nearly as potent and is available cheaper. The older statins such as pravastatin and lovastatin are less effective. You need to get a sense of the price of each of the options and then a sense of what potency of statin your doc wants. [Medical advice removed by admin LadyGeek...
by awval999
Fri Feb 07, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 2959

Re: Any less expensive sources for Lipitor?

Folks, THANK YOU THANK YOU THANK YOU!! Your information is extraordinarily helpful! My prescription is for atorvastatin (20mg) , and my last prescription was $85.30 for 30 from Walgreens. LWS6 & GED, thank you for the Costco info, and I'll also check out WalMart. My doc is aware that I am retir...
by awval999
Fri Feb 07, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 2959

Re: Any less expensive sources for Lipitor?

It has to be atorvastatin. No one is going to DAW Lipitor. I'm wondering if the OP just hasn't hit his deductible or something. Atorvastatin should just be a generic co-pay (I'm assuming a Boglehead poster has insurance).
by awval999
Fri Feb 07, 2014 6:27 pm
 
Forum: Personal Consumer Issues
Topic: Any less expensive sources for Lipitor?
Replies: 54
Views: 2959

Re: France with a 10 month old

Some of these dire warnings have given me pause :confused At this point he is 2 months old, so it's hard for me to say exactly what he will be like as a 10 month old. We have taken him for many walks and out to restaurants, some of them quite nice, and he has done fine. We will take him on a flight...
by awval999
Sat Feb 01, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: France with a 10 month old
Replies: 30
Views: 1756

Re: Exceeded the limit for Roth IRA in 2013 - advice?

This is why I always wait to make IRA contributions in March or April for the previous year. Just not worth the headaches.
by awval999
Fri Jan 31, 2014 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Exceeded the limit for Roth IRA in 2013 - advice?
Replies: 8
Views: 718

Re: Can we/should we afford this house?

You obviously can afford it. Don't beat around the bush. You aren't upper middle class. You are rich . Enbrace it. Love it. Own it. You earned it. I didn't read (yet) any of the other Boglehead responses. At the end of the day if one of you loses your job for an extended period of time you will hav...
by awval999
Fri Jan 31, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford this house?
Replies: 63
Views: 4383

Re: Can we/should we afford this house?

You're taking a $1 mil loan out with $650k in income and you have $500k in retirement accounts as well as 529's. Assuming you have an emergency fund you can most definitely afford this house. I would stop saving for the house downpayment every month, maximize all retirement savings, and pay off you...
by awval999
Fri Jan 31, 2014 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford this house?
Replies: 63
Views: 4383

Re: Can we/should we afford this house?

You obviously can afford it. Don't beat around the bush. You aren't upper middle class. You are rich. Enbrace it. Love it. Own it. You earned it. I didn't read (yet) any of the other Boglehead responses. At the end of the day if one of you loses your job for an extended period of time you will have ...
by awval999
Fri Jan 31, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford this house?
Replies: 63
Views: 4383

Re: Executor of will -- what to tell inheritors

I don't know how you can phrase it where it doesn't come off as condescending. I would include any last wishes/requests/statements by the deceased but I wouldn't throw my two cents into it. So what if they blow the whole wad on a trip to Europe or a new car. As they are enjoying it they will have ha...
by awval999
Tue Jan 28, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Executor of will -- what to tell inheritors
Replies: 29
Views: 2869

Re: Parent refuses to release Coverdell ESA funds

Pajamas wrote:Ask the court that issued the divorce decree to enforce it.


Can he just fax the divorce decree to Fidelity/Schwab/Whomever with the request to withdraw the money?
by awval999
Wed Jan 22, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Parent refuses to release Coverdell ESA funds
Replies: 34
Views: 3434

Re: Employer 401k no longer matching. What to do?

You have really good choices and options. I don't know why you feel like you don't.
by awval999
Wed Jan 15, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employer 401k no longer matching. What to do?
Replies: 36
Views: 1378

Re: 401k.fidelity.com sucks

I just log in from fidelity.com

When you log-in from there you get the high quality graphics as well.
by awval999
Thu Jan 09, 2014 8:01 am
 
Forum: Personal Consumer Issues
Topic: 401k.fidelity.com sucks
Replies: 13
Views: 1147

Re: What is your winter thermostat setting (while you are up

We have three thermostats, so it's set to 60 in basement, 70 on main floor and 60 on the bedroom floor. Use a space heater in the bedroom at nighttime.
by awval999
Sun Jan 05, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 8055

Re: Please, which Turbo Tax product?

If you want them to hold your hand get the TurboTax Premier. That's the one you need for the Schedule D (online version). They will ask you questions and it's quite simple to use. It's $49.99. It's up to you if you decide it's worth it to you. A lot of the posters here are very cheap and they can fi...
by awval999
Sat Jan 04, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Please, which Turbo Tax product?
Replies: 21
Views: 1415

Re: Getting Best Price for a Prescription Drug

This is what I tell my patients. Get the cheapest 20 mg pills you can for this drug, then cut them into quarters to save the most money! Yeah, pharmacists and purists will tell you that you can't do that. "It's not the precise dose." "The drug will lose potency!" they'll exclaim...
by awval999
Fri Jan 03, 2014 6:20 am
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 3746

Re: Getting Best Price for a Prescription Drug

Disclosure: Is a pharmacist The pharmacist stating that the physician must call the insurance is a prior authorization request. When the pharmacist submitted this claim to the insurance came back with a primary denial which stated that this medication needs a "prior authorization". Before ...
by awval999
Thu Jan 02, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 3746

Re: Europe with young kids - 6 and almost 3, bad idea ?

Coming from a 28 year old who just went to Europe this past summer. Are you kidding? I saw a couple of western tourists bringing along their brood this summer, they seemed miserable. Kids were kicking, bored, whining. Lots of double strollers. I don't even know what the point is. The 3 year old won'...
by awval999
Sat Dec 28, 2013 10:16 am
 
Forum: Personal Consumer Issues
Topic: Europe with young kids - 6 and almost 3, bad idea ?
Replies: 34
Views: 1974

Re: Best cheap Motel for overnight stay?

How late do you have to wait when booking through Priceline (to get a good deal)? I don't know if waiting until the last minute would work for me as I get anxious If I have loose ends hanging out when planning a trip... As late as possible. That's the problem (or fun) of doing it. This October I wa...
by awval999
Tue Dec 17, 2013 10:13 am
 
Forum: Personal Consumer Issues
Topic: Best cheap Motel for overnight stay?
Replies: 72
Views: 5393

Re: Best cheap Motel for overnight stay?

Use Priceline. Bid on a hotel last minute, or use an express deal. Much better quality for the cost. Don't go less than 3*
by awval999
Mon Dec 16, 2013 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Best cheap Motel for overnight stay?
Replies: 72
Views: 5393

Re: What's financially wrong with starting your career at ag

I think Physician Assistant is the ideal choice here. You will get to "practice" medicine, you can work in all areas of care, and yet you won't have the 10+ year of schooling. You must give up autonomy for this, but even physicians will tell you, the way medicine is going they don't have a...
by awval999
Sun Dec 15, 2013 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: What's financially wrong with starting your career at age50?
Replies: 64
Views: 5900

Re: Spirit Air?

I used them once. Will not fly with them again.
by awval999
Mon Dec 09, 2013 10:52 am
 
Forum: Personal Consumer Issues
Topic: Spirit Air?
Replies: 33
Views: 1766

Re: Dave says $300 a month can grow to $3M

mlipps wrote:9% nominal rate is totally plausible but that $3 million will be in +40 years dollars, not 2013 dollars, which I assume he conveniently left out.


Agreed that this is nominal and not real 2013 dollars.
by awval999
Sat Dec 07, 2013 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Dave says $300 a month can grow to $3M
Replies: 76
Views: 8035

Re: Dave says $300 a month can grow to $3M

gotherelate wrote:Where are you going to find a 9% rate of return?


Historic long-term growth of the US stock market.
http://www.moneychimp.com/features/market_cagr.htm
by awval999
Sat Dec 07, 2013 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Dave says $300 a month can grow to $3M
Replies: 76
Views: 8035

Re: Parking, for the day, in Manhattan?!?

We just drove into the City for a weekend trip. We valeted the car at the hotel. I think it was $50/day to park. Not too terrible imo. There's plenty of parking garages in the City. Just expect to pay +$50 for the privilege of parking for the day. And never, never drive an SUV or big truck into the ...
by awval999
Thu Nov 28, 2013 11:21 am
 
Forum: Personal Consumer Issues
Topic: Parking, for the day, in Manhattan?!?
Replies: 21
Views: 1523

Re: When do you stop worrying about saving?

The answer to this is more spiritual or what not---- perhaps not so appropriate for this forum but i'll give it a go. When do you stop worrying about saving? When you realize that you cannot control the future, and no matter how hard you try, or how much you save, you are here by the grace of God an...
by awval999
Mon Nov 25, 2013 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you stop worrying about saving?
Replies: 52
Views: 4819

Re: Dying with $1 in Pocket

mathwhiz wrote:What exactly is wrong with dying with $1 in your pocket? Heirs are not owed an inheritance. You are entitled to nothing. If he lived a good life and was happy in his last years with his trinkets, good for him.


:sharebeer
by awval999
Wed Nov 13, 2013 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dying with $1 in Pocket
Replies: 52
Views: 3073

Re: 250k Student Loan Payment Schedule

I will just say one thing. It's a lot easier to write what you are considering into an Excel spreadsheet than it is to actually do it. When you are working 80 hour weeks and Saturday comes along and you want to unwind on a date with a cute girl that $4500 check you want to write to the loan company ...
by awval999
Mon Nov 04, 2013 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: 250k Student Loan Payment Schedule
Replies: 47
Views: 4819

Re: Crossed the 100k Retirement Barrier!

This thread hits the spot. I am like $2500 away from the $100k threshold! Hope to hit it by the new year.
by awval999
Sun Nov 03, 2013 9:09 am
 
Forum: Investing - Theory, News & General
Topic: Crossed the 100k Retirement Barrier!
Replies: 24
Views: 1645

Re: Feeling like I am forced to contribute more to retiremen

Just to repeat what others have said. The internet is a very special place. Go to a weight lifting forum. Go a model airplane forum. Or a Star Wars forum. You will read and get a glimpse of the Top 5% of that special niche. Oh you can't bench 300# at 5'10"? Or you can't run a 6 minute mile? Oh ...
by awval999
Sat Nov 02, 2013 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Feeling like I am forced to contribute more to retirement?
Replies: 82
Views: 6414

Re: Best website for travel deals?

For airfare: Kayak.com
For last-minute hotels-- advanced theory: Priceline.com *Make Your Own Price*
For last-minute hotels-- beginner theory: Priceline.com *Express Deals*
by awval999
Sat Nov 02, 2013 8:37 am
 
Forum: Personal Consumer Issues
Topic: Best website for travel deals?
Replies: 17
Views: 1751

Re: Evaluating my new 401k w/ no match - still worth it?

You can contribute to a ROTH first if you desire post-tax contributions.

But I see no reason why you wouldn't want to contribute to a Fidelity 401k that offers the standard Spartan funds at the standard expense ratios. A match is nice but it's not the end all be all of retirement savings.
by awval999
Wed Oct 30, 2013 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluating my new 401k w/ no match - still worth it?
Replies: 12
Views: 1229

Re: Does a desire not to leave a legacy affect SWR?

You could just annuitize it all in an SPIA. It should give you more than the standard 4% rate.
by awval999
Wed Oct 16, 2013 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Does a desire not to leave a legacy affect SWR?
Replies: 15
Views: 1426

Re: how to de-rate social security

The thing with SS is, A - it is very easy to fix, and, B - the political fall-out from not fixing it would be off the charts. So I go with the official estimates. Yeah. It's this. Expect some chained CPI, increasing the "FULL" retirement age from 67--> 69 for the millenials (me!). But it ...
by awval999
Thu Oct 10, 2013 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: how to de-rate social security
Replies: 22
Views: 1410

Re: Dropped homeowners insurance--smart ?

I live in florida. In 05, a hurricane hit my house and 13k damage. Deductable was 15k at the time. Figure my house is worth 350k. No way if a storm hits will it cost more than 100-150k to fix if catastrophic damage. I mean did you see Sandy? The ocean reclaimed entire houses. All that was left was ...
by awval999
Fri Oct 04, 2013 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dropped homeowners insurance--smart ?
Replies: 37
Views: 2262

Re: How did you/you child pay for college?

I paid for college via student loans, scholarships, teaching assistant-ship, and grants. I ended with $118,000 of student loans (graduate and professional school). I would say the total cost of attendance for my post-secondary education was $200,000.
by awval999
Sat Sep 28, 2013 6:23 am
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 8478

Re: Do we still need to own a home?

I would definitely rent first to make sure you like the area. Heck you could try to get a furnished unit and try out different areas on the Coast for the first 3 years and then buy into your favorite city/area.
by awval999
Thu Sep 26, 2013 8:46 am
 
Forum: Personal Consumer Issues
Topic: Do we still need to own a home?
Replies: 34
Views: 4213

Re: Honorific when speaking to/about a physician's assistant

I'm a pharmacist at a hospital. When I call to speak to one I ask for "Physician Assistant Last Name".

Ie: Hi, this is awval from Pharmacy, may I speak to Physician Assistant Roberts?

If I am directly speaking to one, one-on-one, I would use Mr. Roberts.
by awval999
Thu Sep 26, 2013 8:05 am
 
Forum: Personal Consumer Issues
Topic: Honorific when speaking to/about a physician's assistant?
Replies: 19
Views: 2782

Re: Going without a pre-nup?

Every prenup thread is just terrible on this forum. Half the posters live in confirmation bias world and feel as an OP even suggesting a prenup somehow degrades their marriage. Look. Divorce is terrible. And our millennial generation is different than the way a lot of the older generations grew up. ...
by awval999
Tue Sep 24, 2013 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going without a pre-nup?
Replies: 255
Views: 13762
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