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Re: Fidelity charges to close accounts!

We are learning that Fidelity has account closing fees of $50.00. So we leave our money in their accounts (earning nothing) and they charge $50.00 for the privilege. Vanguard does not charge for closing retirement accounts, thankfully. You betcha. Schwab does the same thing. That's why I'm with Van...
by kitteh
Wed Apr 17, 2013 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 19
Views: 3301

Re: Help me manage a $7 million portfolio.

I would put it in totally safe stuff, but that's just me. Even at a measly 2% return, that's $140,000 a year for her. It's her money, not yours. She should be able to sleep at night, not watch two or three million disappear some day.
by kitteh
Wed Apr 17, 2013 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me manage a $7 million portfolio.
Replies: 105
Views: 13560

Re: harvard med school vs. penn med+full tuition scholarship

HardKnocker, WIth all due respect, you clearly aren't a physician. The last thing I would look at when deciding on surgeon or doctor for a procedure is their Med School. I moved to the boonies. After a few experiences with doctors from the University of the Third World or the University of the US W...
by kitteh
Mon Apr 15, 2013 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 10867

Re: harvard med school vs. penn med+full tuition scholarship

I'm not a doctor. I got a full financial ride to grad school at MIT, and an offer for half at Harvard. I chose MIT because of the debt issue, but in retrospect from years down the pike, I wish I'd gone to Harvard. The people in the department there were just more impressive and I think I would have ...
by kitteh
Mon Apr 15, 2013 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 10867

Re: Maryland "rain tax"

I wish we had a bit more of that where I live. Unfortunately, paving over wide swaths of farm and forest pushes externalities on neighbors, especially those on the downhill side of watersheds. When something is priced at zero, like stormwater runoff, people don't do the cheap and easy things that c...
by kitteh
Mon Apr 15, 2013 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Maryland "rain tax"
Replies: 11
Views: 2353

Re: Maryland "rain tax"

I would suggest this is indeed actionable. Yet another tax/fee that doesn't exist elsewhere. I believe you are wrong. A relative who lives in NC mentioned to me some time ago that his locality was taxing impermeable surfaces. There is an environmental reason for this, of course, and it encourages p...
by kitteh
Mon Apr 15, 2013 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Maryland "rain tax"
Replies: 11
Views: 2353

Re: Relocating advice

In my day, the hiring company forked out for the moving costs.
by kitteh
Sun Apr 14, 2013 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Relocating advice
Replies: 17
Views: 1067

Re: window tinting/films

Depending on your situation, you might also consider solar screens: http://en.wikipedia.org/wiki/Solar_screen It seems like these can only be put up as one would install screens? Thanks to Pella, there is no way to install exterior screens on these windows, unfortunately. (I didn't pick the windows...
by kitteh
Sun Apr 14, 2013 1:23 pm
 
Forum: Personal Consumer Issues
Topic: window tinting/films
Replies: 12
Views: 1224

Re: window tinting/films

Thanks for the replies.

I also meant to mention, I don't want them to become a problem for birds hitting the window, i.e. if they act like mirrors. I have decals all over my windows now, which more or less works.
by kitteh
Sun Apr 14, 2013 1:08 pm
 
Forum: Personal Consumer Issues
Topic: window tinting/films
Replies: 12
Views: 1224

window tinting/films

In another thread, someone mentioned window tinting. I have a bank of South facing windows, which was fine when there were big trees in front of them, but the neighbor took down the trees and now that room is an oven in summer. I've read different things about window films (is this the same as windo...
by kitteh
Sun Apr 14, 2013 9:50 am
 
Forum: Personal Consumer Issues
Topic: window tinting/films
Replies: 12
Views: 1224

Re: Does Vanguard pull credit

want to know If Vanguard will pull a credit check to open a Roth IRA. if so i will just stick with Schwab as since I have a brokerage they will not pull my credit to start a roth. What's so bad about pulling credit? And why would that dictate where you should open your Roth? I would think Vanguard ...
by kitteh
Sat Apr 13, 2013 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard pull credit
Replies: 11
Views: 1947

Re: Change in office environment

Who sets the pay for your position? The person you like in your group, or the distant upper manager, or both? I don't see anything wrong in briefly mentioning to the local person that your salary is out of whack and when her time permits, you'd like to discuss that, before the distant performance re...
by kitteh
Sat Apr 13, 2013 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Change in office environment
Replies: 29
Views: 4733

Re: Retirement Disbursement Fees

There's little point in asking general questions about specifics of your plan. Your plan administration can answer those, no one else. As noted, in retirement you can just roll the whole thing out and no longer worry about it. The only time that would be a problem is if you left at age 55, and less...
by kitteh
Sat Apr 13, 2013 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Disbursement Fees
Replies: 8
Views: 713

Re: American Express wants a letter

What annoys me even more is that I call into their toll-free number and they ask me to punch in the last 4 digits of my SSN and my birthdate including the year. I punch it in, and then the customer service rep promptly asks me for the same information again. They are not the only company that does ...
by kitteh
Sat Apr 13, 2013 12:04 pm
 
Forum: Personal Consumer Issues
Topic: American Express wants a letter
Replies: 19
Views: 3497

Re: Preparing to buy a house

Set aside a bundle for unexpected expensive maintenance that will show up quickly, even with a good house inspector having gone over the house before purchase. Also ongoing maintenance, which will be expensive. Look at the history of property taxes in the area, not just what the homeowner last paid....
by kitteh
Sat Apr 13, 2013 7:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Preparing to buy a house
Replies: 5
Views: 635

Re: Spouse wants to purchase a bicycle for 5000.

1530jesup wrote:Two) I have an anatomical problem that limits the time I can spend on a bike


Bicycle seats were designed by some lunatic. There's a business opportunity for some inventive person.
by kitteh
Fri Apr 12, 2013 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 8166

Re: Insulation Question

a third option was presented to me -- get my windows tinted. I was very sceptical about this, but did enough research and decided to give it a try. It worked. Our 2nd floor now stays at whatever temperature we set the thermostat to, and our AC doesn't work continuously from 10am to 10pm any more. W...
by kitteh
Fri Apr 12, 2013 9:25 am
 
Forum: Personal Consumer Issues
Topic: Insulation Question
Replies: 25
Views: 2126

Re: Spouse wants to purchase a bicycle for 5000.

I would go with the bike, but put off the house renovations until you have saved up more, like $5000 more. The job insecurity worries me.
by kitteh
Fri Apr 12, 2013 9:18 am
 
Forum: Personal Consumer Issues
Topic: Spouse wants to purchase a bicycle for 5000.
Replies: 129
Views: 8166

Re: Keep Old Car or Buy Newer Used Hybrid

Bogleheads think that old cars are people killers. Well, new cars are wealth killers. I would continue to run the '92 Honda to the ground. If it works, why buy new? Your car probably has ABS, and you can probably replace the airbag for a few hundred dollars. If you have deep pockets, then buy a new...
by kitteh
Thu Apr 11, 2013 11:38 am
 
Forum: Personal Consumer Issues
Topic: Keep Old Car or Buy Newer Used Hybrid
Replies: 28
Views: 1951

Re: Please help me reduce my taxes

Need a new heating a/c system or other ultra efficient home improvements? Some are tax deductible dollar for dollar up to 30% such as Geothermal heating and cooling. If you need a new system anyway (or close to it) you will get to deduct 30% of the total cost dollar for dollar from your future taxe...
by kitteh
Wed Apr 10, 2013 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Please help me reduce my taxes
Replies: 31
Views: 2325

Re: Filed unnecessary form with federal taxes....

I would just send them a letter saying the form was unnecessary.
by kitteh
Wed Apr 10, 2013 3:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Filed unnecessary form with federal taxes....
Replies: 6
Views: 642

Re: Permanenr email address

Various colleges provide permanent email addresses to their alumni, which forward to the current actual email address. It actually isn't that difficult to switch between regular email addresses. I've had to do it a couple of times. After I'd done changes/sent out notices I kept the old one for awhil...
by kitteh
Tue Apr 09, 2013 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Permanent email address
Replies: 45
Views: 3476

Re: Shredding docs at public places

A shredder the size of a wastebasket is $25 to $30. Why accumulate all this stuff instead of using a home shredder as needed.
by kitteh
Mon Apr 08, 2013 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Shredding docs at public places
Replies: 18
Views: 2942

Re: Recruiting phone calls from colleges

I think that calling our phone crosses a line that emails and snailmail don't. And yes, I'm just a cranky old man who didn't want to get off the couch. I've probably been somewhat desensitized by the daily phone calls from the FBI trying to sell me a free alarm system, and those ilk. Also, I have m...
by kitteh
Mon Apr 08, 2013 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Recruiting phone calls from colleges
Replies: 17
Views: 1050

Re: Should my wife keep working or become a stay-at-home mom

Good point! But I do think your eyes are all the evidence you need. This is true. Here's what I saw with my own eyes: Just to give a (former) latchkey/daycare kid perspective: Both of my parents worked; my siblings and I were placed in daycare at very early ages. I earned a full academic scholarshi...
by kitteh
Mon Apr 08, 2013 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 8466

Re: Should my wife keep working or become a stay-at-home mom

+1... Brilliantly said. Ask each other 1) Why you chose to have kids; 2) Who did you hope would be the dominant influence in their upbringing (good daycare - the primary one raising your kids will be the provider; bad day care - primary will be their peers 8-10 hours/day - 5-6 days/wk; 3) What will...
by kitteh
Mon Apr 08, 2013 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 8466

Re: [Tax question: Donating to charity by gifting to another

We give 5000 to our church every year but do not itemize. Our daughter also attends the church and also gives. Can we just gift our 5000 to our daughter and she give it to our church and get the deduction? She would still make her donation. She already itemizes and has her own house and family. The...
by kitteh
Sun Apr 07, 2013 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Tax question: Donating to charity by gifting to another]
Replies: 49
Views: 1713

Re: Should my wife keep working or become a stay-at-home mom

I've always wondered why women would go to college, go to grad school, work like heck to develop a career, then quit when the first or second kid is born. I've seen it happen dozens of times in my own life experiences, and I just don't get it. When I was a young woman in engineering the "you'l...
by kitteh
Sun Apr 07, 2013 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 8466

Re: Recruiting phone calls from colleges

DualIncomeNoDebt wrote:College = federal taxpayer corporate welfare.


How? A lot of an endowment comes from donations.
by kitteh
Sun Apr 07, 2013 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Recruiting phone calls from colleges
Replies: 17
Views: 1050

Re: Recruiting phone calls from colleges

When my son signed up for his PSATs and SATs, I guess we indicated that we didn't mind receiving emails and mail from interested colleges. If I had known how much of this mail would be generated, we would have said "no thank you." Emails are easy to delete, and physical mail is sometimes ...
by kitteh
Sun Apr 07, 2013 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Recruiting phone calls from colleges
Replies: 17
Views: 1050

Re: Recruiting phone calls from colleges

Did you get the letter from UT-Dallas offering full tuition and $40,000 subsistence per semester for 4 years? We kept that even though I would not have wanted my son to go to a school that has to bribe you to attend. ($400K per semester would have been a different matter.) About 10 days later came ...
by kitteh
Sun Apr 07, 2013 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Recruiting phone calls from colleges
Replies: 17
Views: 1050

Re: Living in a "shoebox"

It can take a lot of money to live a minimalist lifestyle like this. Anytime you need something, you need to buy it. You won't have room to store much of anything. I lived in 400 sq ft or less for about 10 years. Can't recall a lot of things that I needed to buy. On top of that just because one nee...
by kitteh
Sun Apr 07, 2013 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Living in a "shoebox"
Replies: 36
Views: 3951

Re: Poll: SS Question & Overall Retirement Expenses

My SS is $1400 a month. Prescriptions (after Plan D pays for some) cost me about $500 a month. Medigap premium is about $100 a month. There are microapartments opening up at about $550 soon, but they have a huge waiting list, so let's say rent of $800 for an apartment. No buying gas, so I have no id...
by kitteh
Sun Apr 07, 2013 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Poll: SS Question & Overall Retirement Expenses
Replies: 27
Views: 1335

Re: car rental problems [in Europe]

Dollar Rental is apparently in the business of ripping people off, according to the New York Times. Take your business elsewhere.
by kitteh
Sun Apr 07, 2013 7:56 am
 
Forum: Personal Consumer Issues
Topic: car rental problems [in Europe]
Replies: 47
Views: 2577

Re: Should my wife keep working or become a stay-at-home mom

Your kids will never regret having a mom at home... neither will you or your wife. Actually, that's probably not true, days it will drive her crazy, but you will be blessed in the long run. Kids will probably also be happier and healthier and won't bring home the junk that other families allow to s...
by kitteh
Sun Apr 07, 2013 7:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 8466

Re: Should my wife keep working or become a stay-at-home mom

not to be a bummer but something to consider, especially her, is the strength and faith in the longevity of marriage. Number of marriages that end in divorce is coin flip and the potentially disproportionate, negative financial effects on women. At least in our earlier scientific careers, if my wif...
by kitteh
Sun Apr 07, 2013 7:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 8466

Re: Gardening, the new year

I've used Osmocote in the past with no problems. Last Fall the Lowe's near me was closing and had a half price sale. I went crazy and stocked up on a lot of gardening stuff, including 5-6 of the three lb. containers of Osmocote vegetable and flower granules. I went to use them yesterday, and about h...
by kitteh
Sat Apr 06, 2013 11:55 am
 
Forum: Personal Consumer Issues
Topic: Gardening, the new year
Replies: 90
Views: 8807

Re: Puzzled by Short Sale Dilema

More that puzzled why the real estate agent is not taking the initiative in this matter & instead is indictaing that I should carry the ball forward ?!? jdruz I had an agent like that once. She seemed to expect me to do all the work. Fortunately I had not signed a contract and she had not intro...
by kitteh
Sat Apr 06, 2013 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Puzzled by [Home] Short Sale Dilemma
Replies: 13
Views: 1241

Re: USAA dumped me?

What's a subcontractor insurance company? Are they farming stuff out to smaller companies?
by kitteh
Sat Apr 06, 2013 2:13 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA dumped me? [Homeowners insurance]
Replies: 19
Views: 4435

Re: Do you need Emergency Fund if you have no expenses?

It's time to be an adult. You're 23, a college graduate, and making quite a nice salary.. That means paying your parents rent and having an emergency fund. From your comments, it's clear they are not wealthy, and if you use them as an emergency fund, you are endangering their retirement. Plus your r...
by kitteh
Fri Apr 05, 2013 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you need Emergency Fund if you have no expenses?
Replies: 32
Views: 2708

Re: Living in a "shoebox"

Part of the Arcade Providence's 225 sq ft $550 a month apartments in downtown Providence. I'd live in this in a minute if I weren't living in the old family homestead. A lot of what I have is superfluous. Maintenance on a house is a real headache. Living area, full kitchen except no stove - has a mi...
by kitteh
Fri Apr 05, 2013 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Living in a "shoebox"
Replies: 36
Views: 3951

Re: How to handle these CPA errors?

I would have no confidence whatever in any of his work after this. I would also talk to them about whether you owe them a payment for such a mess of a return.

Like another person, I wonder if this was outsourced to India.
by kitteh
Fri Apr 05, 2013 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: How to handle these CPA errors?
Replies: 20
Views: 1511

Re: Hearing loss in children and ASL [American Sign Language

I would do some in depth medical stuff to see if there is a fixable reason for the deafness. My Mom was deaf in one ear due to a benign growth.
by kitteh
Thu Apr 04, 2013 7:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hearing loss in children and ASL [American Sign Language]
Replies: 8
Views: 822

Re: Bogleheads' accomplishments

Made some bad investments (ex-wife's undergrad and dental school, real estate development) that will take some time to overcome. My net worth is slightly less now than it was at 25 because of those two sizable investments that resulted in zero return. Luckily, at 31 I have plenty of time to recoup....
by kitteh
Thu Apr 04, 2013 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' accomplishments
Replies: 72
Views: 5931

Re: best way to sell gold ring

Now I'm remembering why this has been in my jewelry box this long :-) The 24K remark was interesting, because I have the dim idea that my class ring is 24K. I find that I can't read the tiny info inside even with a magnifying glass, so I got obsessed enough to email the manufacturer out of curiosity.
by kitteh
Thu Apr 04, 2013 4:51 pm
 
Forum: Personal Consumer Issues
Topic: best way to sell gold ring
Replies: 10
Views: 1131

Re: Should Bogleheads Write Their Own Wills?

I got forms of will, living will, etc. from the internet for my state. I noticed that 3 witnesses are required for a will, for others 1 or 2. That means I could complete my will only when I could find 3 witnesses at the same time, which I could not, so I have to see a lawyer and pay him for basical...
by kitteh
Thu Apr 04, 2013 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should Bogleheads Write Their Own Wills?
Replies: 39
Views: 3127

Re: Inheritance* with strings attached

goldbug wrote: there is a trust/ investment entity that receives 1% annually.


I don't know what this means.
by kitteh
Thu Apr 04, 2013 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Inheritance* with strings attached
Replies: 9
Views: 1250

Re: Would you take new Gym promo?

I stopped in at a Planet Fitness a couple of weeks ago and I think they charge something like $10 a month and $29 annual fee. The place was full of machines.
by kitteh
Thu Apr 04, 2013 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Would you take new Gym promo?
Replies: 16
Views: 1008

Re: Making Final Arrangements

I have a will and a revocable living trust. Anything in the trust does not have to go through probate, saving a lot of time and hassle. The will contains a provision that anything not in the trust goes into the trust at my death. I have put my house and non-IRA financial accounts into the trust anyw...
by kitteh
Thu Apr 04, 2013 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Making Final Arrangements
Replies: 7
Views: 756

Re: best way to sell gold ring

You stated that it is rather wide, do you mean that it is a wide band or it fits a large finger? Then you ask if it can be widened? Yah, that was confusing. When I say it's wide, I mean it extends some length on the finger towards the fingernail. It does fit a fairly large finger, I am not a petite...
by kitteh
Thu Apr 04, 2013 11:57 am
 
Forum: Personal Consumer Issues
Topic: best way to sell gold ring
Replies: 10
Views: 1131
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