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Question about stocks and taxes

I have a pretty basic-ish stock question that I can't seem to find an answer for, I wonder if it's because there is a term for it or I just am not describing it well to Google :) Let's say I own shares in company A. Company A buys or merges with company B. A new stock is then created, for new compan...
by mojave
Tue Oct 14, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about stocks and taxes
Replies: 4
Views: 535

Re: Trying to understand Uber and similar "ride sharing" ser

I happened to be in Austin a few months ago right when Uber rolled out there, Uber X. They had a fantastic promo going on, 25 free rides or something like that. Same issue there with the politics and taxi lobbying, but like others have said this is successful because of customer demand. Additionally...
by mojave
Thu Oct 02, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Trying to understand Uber and similar "ride sharing" service
Replies: 54
Views: 3709

Re: Possible Uninsured Motorist accident

Rear end collisions are expensive - I know because my husband was just rear ended twice in a one month period! Hopefully this may help you gauge. His beast truck was the second vehicle rear-ended, it was a 3 car pile up and my husband also hit someone in front of him. His front metal bumper had a di...
by mojave
Thu Oct 02, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3353

Re: We have a grocery problem... [Household budget]

"Also noticed I did not buy any gasoline last month."

livesoft - I admire your frugality but I hope you leave your house sometimes :)
by mojave
Tue Sep 23, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

Re: We have a grocery problem... [Household budget]

You all are seriously awesome. I got so many great ideas out of this. Looking at Costco or Amazon for bulk non-perishables, but we will see. On Sunday, we planned 4 meals for the week together and agreed on a shopping list. There should be enough to not need to order out. Yes, he is very picky. He g...
by mojave
Tue Sep 23, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

Re: We have a grocery problem... [Household budget]

Extraordinary claims? What are these? An obese BMI suggests even further evidence that the OP can eat cheaper. And that if I ate less and was healthier than my budget would be less. Again, better evidence the OP could do things cheaper. http://i154.photobucket.com/albums/s275/4nursebee/food_zps442a...
by mojave
Mon Sep 22, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

Re: We have a grocery problem... [Household budget]

I find some posts like these kind of interesting. It is as if some people realy believe they have no personal power in their lives, unable to make decisions or weigh risks and benefits of certain scenarios. Perhaps it is different when asking about things folks know little about, like getting into ...
by mojave
Sat Sep 20, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

Re: We have a grocery problem... [Household budget]

A lot of great suggestions, thank you. Some of them we cannot do however. He needs to eat over 3,000 calories every day. Honestly, 4,000 would not surprise me on some days. He is moving, running, walking and lifting very heavy things from 7am to 5pm. He barely has any body fat on him either, so he i...
by mojave
Fri Sep 19, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

Re: We have a grocery problem...

I second sramina's suggestion of a slow cooker. You can spend less than 5 minutes putting a meal in the slow cooker, let it cook while you are at work, and come home to an inexpensive, delicious, healthy meal. I make large portions in mine and just eat the leftovers for lunch the next day. Rinse re...
by mojave
Fri Sep 19, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

Re: We have a grocery problem...

barnaclebob wrote:how much of your shopping occurs around the perimeter of the grocery store vs down the aisles? Thats a big cost indicator.


Mostly in the perimeter. The only thing I buy in the aisle is frozen pizza, bread, coffee and mac & cheese :)
by mojave
Fri Sep 19, 2014 1:55 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

Re: We have a grocery problem...

Thanks everyone, so many very helpful tips and suggestions. I think showing the annual spend will be a shock to my husband and hopefully will get him more on board with fixing this. It will be different when I'm home more, whether it be part time or full time. I don't mind cooking, I hate the planni...
by mojave
Fri Sep 19, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

Re: We have a grocery problem...

I also live in the Chicago suburbs and recently came to the conclusion that our grocery bills are WAY too high. We primarily shop at Marianos, which I guess would be considered kinda middle of the road in terms of price. As I started to analyze things, I realized that I need to shop a little bit sm...
by mojave
Fri Sep 19, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

Re: We have a grocery problem...

Those frequent pit stops in the grocery stores eat up money. I am trying to stay at one grocery store visit a week. It sounds like your husband is a significant factor in the extra costs. How serious is he about controlling costs? How about offloading some of the work onto him? Why isn't he making ...
by mojave
Fri Sep 19, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

We have a grocery problem... [Household budget]

We need some help and the first step is admitting we have a problem. :-( There are two of us in a household, no kids or pets. We are frugal with everything except groceries and food. We live in the Chicago area so somewhat HCOL. Looking at mint.com, we average over the last 12 months: - $230 a week ...
by mojave
Fri Sep 19, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10853

Re: Life insurance with a smoking spouse

toto238 wrote:If it adds any levity to the conversation, when I originally saw the subject to this thread, my first thought was that "smoking" was a reference to the physical attractiveness of OP's spouse. So that's a thing.


Haha! Well, that too :)
by mojave
Mon Sep 08, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1310

Re: Life insurance with a smoking spouse

Mojave, I get what you are saying about this thread being about insurance and not his quitting, as he isn't going to do it obviously. You are smart in recognizing that nagging him will make it more, not less, likely that he will keep smoking. If he is going to stop, he will need to convince himself...
by mojave
Mon Sep 08, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1310

Re: Life insurance with a smoking spouse

$1M is probably a starting point if he is making $100k+ and you aren't working. Buy the life insurance in the amount that you need and can afford, then re-apply in the future if he ever quits for at least a year. A smoker will pay 2-3x the price for the same coverage as a non-smoker. On a side note...
by mojave
Mon Sep 08, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1310

Re: Life insurance with a smoking spouse

How much income are you hoping to replace with the proceeds from life insurance? I think perhaps you should use the portfolio help format to ask your question. The hope is to cover a mortgage (which we don't have yet, but let's assume $250k) plus enough to cover a year or two of his income to allow...
by mojave
Mon Sep 08, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1310

Re: Life insurance with a smoking spouse

$1M is probably a starting point if he is making $100k+ and you aren't working. Buy the life insurance in the amount that you need and can afford, then re-apply in the future if he ever quits for at least a year. A smoker will pay 2-3x the price for the same coverage as a non-smoker. On a side note...
by mojave
Mon Sep 08, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1310

Re: Life insurance with a smoking spouse

I appreciate the concern about him smoking but I think in this post it is unfair to expect him to quit to save the money. He will not quit, and I will no longer pester him about it, it is his choice and he knows my feelings on it. I do not appreciate the comments, whatever your intention may be, th...
by mojave
Mon Sep 08, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1310

Re: Life insurance with a smoking spouse

I appreciate the concern about him smoking but I think in this post it is unfair to expect him to quit to save the money. He will not quit, and I will no longer pester him about it, it is his choice and he knows my feelings on it. I do not appreciate the comments, whatever your intention may be, tha...
by mojave
Mon Sep 08, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1310

Life insurance with a smoking spouse

Looking for some feedback from those wiser than I. I'm thinking about getting us life insurance for several reasons - we are planning on starting a family, my husband has a dangerous job and he smokes. He is and will always be the bread winner and our hope is for me to be a stay-at-home-mom at least...
by mojave
Mon Sep 08, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1310

Re: A 'really good book' you did NOT enjoy

I have my degree in English and Journalism (yes, I found a job) so I have my fair share of "supposed to be good but are unbearable" books.

#1 on my list is Heart of Darkness by Joseph Conrad. I had to read that book so many times and it was rage-inducingly horrible every time. :thumbsdown
by mojave
Sat Sep 06, 2014 2:17 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 11106

Re: Home Depot Breach - zip codes revealed

:? I never thought I would say this but, I'm glad we switched back to Chase. It's easy to get a new debit card, many of their locations will let you do it right there, no waiting for a new one to come through the mail. We had to do this for the Target breach and now this one. And quite frankly, it m...
by mojave
Fri Sep 05, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6055

Re: Husband rear-ended, driver ignoring his insurance

In my opinion your main problem is that you are insured by State Farm. I had State Farm. I'll save myself typing in how badly they handled a car theft incident and a flood insurance incident. Big waste of my time, money, and added stress over a long period of time. Never again. Change to Amica. I w...
by mojave
Wed Aug 27, 2014 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5243

Re: Husband rear-ended, driver ignoring his insurance

In my opinion your main problem is that you are insured by State Farm. One of our vehicles with full coverage was recently hit and the other party who had AAA insurance was at fault. I contacted State Farm who initially wanted me to take it to a body shop that was cheaper than my first choice, also...
by mojave
Wed Aug 27, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5243

Re: Husband rear-ended, driver ignoring his insurance

My mother has State Farm in Florida and this sounds very similar to an experience we had many years ago. Basically, it's go through your policy and pay your deductible, with the deductible being reimbursed to you if they charge it to the other driver's policy later; or wait until the determination ...
by mojave
Wed Aug 27, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5243

Re: Husband rear-ended, driver ignoring his insurance

I don't understand why your State Farm policy isn't paying immediately. You should go to a repair facility approved by State Farm. They will repair your car and only charge you the deductible. It's that easy. Yes but we don't want to pay the $500 deductible right now when we don't need to use the c...
by mojave
Tue Aug 26, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5243

Re: Husband rear-ended, driver ignoring his insurance

Are you sure they didn't mean you'll just have to pay your deductible out of pocket and be reimbursed later? When I've been in this situation in the past, the body shop was paid directly by my insurance company. I never saw a bill. I did have to pay my collision policy deductible but I got that bac...
by mojave
Tue Aug 26, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5243

Re: Husband rear-ended, driver ignoring his insurance

State Farm is paying either way -- either on the other driver's liability policy or on your collision policy. So they should have already told you to get your car repaired. Have they? Just about everything else -- whether the other driver gets a ticket, shows up for court, or ever talks to State Fa...
by mojave
Tue Aug 26, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5243

Re: Husband rear-ended, driver ignoring his insurance

greg24 wrote:The insurance company has much experience in this area, you do not. Let the insurance company do its job, its not your job to pursue negligent customers.


We are not pursuing or contacting him in anyway. I'm trying to make sure we don't get screwed over.
by mojave
Tue Aug 26, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5243

Re: Husband rear-ended, driver ignoring his insurance

You will be paid out - you did state that the driver at fault maintained valid insurance from State Farm, correct? If State Farm fails to pay you correct restitution for the policyholder's at fault accident, get yourself an attorney or you can sue them in small claims court but this would be a last...
by mojave
Tue Aug 26, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5243

Husband rear-ended, driver ignoring his insurance

Two weeks ago my husband was rear ended coming up on a red light. The other driver was at fault and received a ticket from the police. My husband wasn't hit too hard and didn't need medical attention thankfully. But at the very least the trunk and bumper will need to be replaced. No idea if the fram...
by mojave
Tue Aug 26, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband rear-ended, driver ignoring his insurance
Replies: 44
Views: 5243

Re: Is it me, or are "collectibles" worthless in 2014?

There will always be collectibles in high demand but what those collectibles will be is anyone's guess. It changes very quickly.
by mojave
Mon Aug 25, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6515

Re: Recalled baby crib - modify to donate to charity?

Most places like Goodwill do not accept cribs, strollers and car seats.
by mojave
Mon Aug 25, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: Recalled baby crib - modify to donate to charity?
Replies: 10
Views: 630

Re: Do you take all of your allowed paid vacation time?

Thankfully, I work for a company that almost forces people to take all of their PTO. After 7 years I have just under 5 weeks of paid time off.
by mojave
Fri Aug 22, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5947

Re: What can happen to a union pension?

Thanks everyone, great things to keep in mind. I am not sure about PBGC but will look into that. If it matters, this is not a public pension, so tax payers do not fund it.
by mojave
Wed Aug 20, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What can happen to a union pension?
Replies: 10
Views: 1154

Re: 2 year Boglehead anniversary - pulse check

I gotta ask: Who was collecting 25% interest for your engagement ring? A jewelry store credit plan? I'm glad it's off your plate :happy It was a credit plan from Wells Fargo. I don't know the details of it but I think it was one of those "low rates for x amount of time!" and then it jumpe...
by mojave
Wed Aug 20, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 year Boglehead anniversary - pulse check
Replies: 9
Views: 605

Re: 2 year Boglehead anniversary - pulse check

so your house was worth $85,000 but you owed $200,000 on it? I may be misunderstanding but outside of closing costs, commissions, etc. How does your net worth go down with the purchase of a house. Looks to be a huge upgrade in net worth, but typically your assets should include the home value and n...
by mojave
Wed Aug 20, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 year Boglehead anniversary - pulse check
Replies: 9
Views: 605

Re: 2 year Boglehead anniversary - pulse check

The Wizard wrote:Sounds good, except for that $3000 CC debt. That will be going away next, right?


Absolutely, we're on track for by the end of the year.
by mojave
Wed Aug 20, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 year Boglehead anniversary - pulse check
Replies: 9
Views: 605

2 year Boglehead anniversary - pulse check

Today is my 2 year Boglehead anniversary and my annual "pulse check". Then and now. We will be building or buying a house in the next year or two so net worth will go down, but we're pretty proud of where we are today. Unfortunately a year ago husband was in the hospital for a few days wit...
by mojave
Wed Aug 20, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 year Boglehead anniversary - pulse check
Replies: 9
Views: 605

What can happen to a union pension?

My husband has been in his Chicago construction union (private union) for 7 years. Each year they send us an update on the state of the investments that fund the pension and the fund is fine right now. What can happen to a pension? I would be surprised, due to politics and the size of this union, if...
by mojave
Wed Aug 20, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What can happen to a union pension?
Replies: 10
Views: 1154

Re: In-Law Financial Issues (long)

My husband and I are also in our late 20s. My parent's finances are in bad shape - they are divorced and in their 60s but they cannot retire and have to keep working. "Thankfully" my dad, who is TERRIBLE at managing money, will be inheriting some money from his aunt as well as his mother a...
by mojave
Mon Aug 18, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4290

Re: HAFA Short Sale

thank you for the info Mojave. It looks like they have 120 days to sell in this program, so they're about 90 days in at this point from their listing date. I'm wondering if the pattern will continue and they'll drop the price again just before their 120 day window is up. We would like to make the s...
by mojave
Fri Aug 15, 2014 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: HAFA Short Sale
Replies: 4
Views: 717

Re: Strategic Default

Unfortunately I am an expert on this topic. In 2007 my then-single husband, at the age of 22, was making six figures and bought a townhome. Market and housing collapses. He is in construction and his income dropped 40%. Years of struggling ensues. We get married (I did not have my name on the townho...
by mojave
Thu Aug 14, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3284

Re: HAFA Short Sale

Short sales can take quite a while. It could be a few weeks before she hears back from the bank. It is very likely that they have done an assessment on the house and told her that they will not accept anything below x. Because it's a short sale, she does not get any of that money (EDIT: assuming she...
by mojave
Thu Aug 14, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: HAFA Short Sale
Replies: 4
Views: 717

Re: Where do you buy clothes?

I get 75% of my clothes from Goodwill. Mostly Ann Taylor and Banana Republic, have some DKNY, Tahari and Kate Spade too. The next 20% is secondhand from ebay, mostly shoes and jewelry because that's the hardest to find in current styles and in good condition at thrift stores. Plus, that's what reall...
by mojave
Thu Aug 14, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9496

Attitudes toward inheritances.

My father is about as un-bogleheady as one could be. I have a rich great-aunt that never had kids and is a widow. Her husband did very well with his investments, and he was a blue-collar guy. A few years ago my father found out he and his cousins would inherit the estate when she passes. Since he fo...
by mojave
Tue Aug 05, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 11204

Re: High School Reunions--Have you attended?

Both my husband and I skipped our 10 year and have no plans to ever attend any future ones. Zero interest in seeing those people again. My 85-year-old grandmother was just telling me about how she used to have breakfast with her entire class every once in a while. 5 of them are left, out of a 25-per...
by mojave
Tue Aug 05, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5369

Re: Millennials (with jobs) are super-saving their retiremen

To be fair with all the "that's not super-saving" comments, many millennials (such as myself) are underpaid because of the downturn. I started at my job 7 years ago at $32k and am only at $43k now. Based on my research I should be making AT LEAST $10k more and in reality it should be $20k ...
by mojave
Thu Jul 17, 2014 10:49 am
 
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 9839
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