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Re: Just had offer accepted on a house! (Advice pls!)

I would pay the inspector extra to spend up to 4 hours on the property. Two hours is not enough to fully inspect average sized houses. If it is a very large house they will need to spend more time. Go with the inspector and ask questions. Ask the seller to fix important things. Serious sellers shoul...
by stan1
Thu Apr 17, 2014 5:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Just had offer accepted on a house! (Advice pls!)
Replies: 29
Views: 2057

Re: Proper Money management and itinerary for Europe trip

A few things you might be missing in Munich: Dachau (easily accessible by S-Bahn and bus) and very worthwhile to visit to witness the lows of humanity. I recommend a tour, which can be arranged with various vendors on Marienplatz. BMW Welt/Museum/Factory tour if you like cars (also interesting even ...
by stan1
Sun Apr 13, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proper Money management and itinerary for Europe trip
Replies: 36
Views: 1746

Re: Passport, TSA Pre-Check, and Global Entry

My photo was taken at the enrollment center.
But agree it is best to have a few extra photos.
They come in handy for visas as well as if your passport is lost/stolen.
by stan1
Sun Apr 13, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2515

Re: Passport, TSA Pre-Check, and Global Entry

Steven, This is very useful. It means that I can apply for Global Entry without waiting to apply for and receive my new passport. Thank you, Victoria You might want to check on that. I think you want to get the new passport first. When you sign up for GE you can specify multiple passports (such as ...
by stan1
Sun Apr 13, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2515

Re: Passport, TSA Pre-Check, and Global Entry

Steven, This is very useful. It means that I can apply for Global Entry without waiting to apply for and receive my new passport. Thank you, Victoria You might want to check on that. I think you want to get the new passport first. When you sign up for GE you can specify multiple passports (such as ...
by stan1
Sun Apr 13, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2515

Re: Check picture software

I've done it many times with banks and credit unions. Yes, it works. The hardest part can be getting a good photo. Make sure you use a solid color background surface (not reflective). I've found using a blank piece of white paper works fine. Natural lighting seems to work better for me. Make sure yo...
by stan1
Sat Apr 12, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Check picture software...iPhone app
Replies: 7
Views: 582

Re: Check picture software

Do you have a question about it?
by stan1
Sat Apr 12, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Check picture software...iPhone app
Replies: 7
Views: 582

Re: Passport, TSA Pre-Check, and Global Entry

livesoft wrote:Does Global Entry get US citizens/passport holders with it through foreign airports quickly?


No, does nothing for you in other countries.
by stan1
Sat Apr 12, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2515

Re: Passport, TSA Pre-Check, and Global Entry

I checked it further and found this list of Global-Entry Enrollment Centers . It includes BWI, downtown DC, and Dulles. All locations have some weekend hours. It's not bad. Victoria That list is not 100% complete. For example, I think most Sentri enrollment centers also do Global Entry enrollment (...
by stan1
Sat Apr 12, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 2515

Re: Getting Passport without specific travel plans?

Absolutely you should have a current passport so you can travel at short notice without a hassle. Also the passport will let you sign up for Global Entry which gives you access to TSA Pre Check as well as the Global Entry immigration kiosk at many arrivals airports in the US. I usually put United Ki...
by stan1
Fri Apr 11, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 1793

Re: KeePass vs LastPass

I just figured I'd post this here for all you LastPass users. Your usernames and passwords may have been compromised. They were vulnerable to the HeartBleed attack. Quote: Though LastPass employs OpenSSL, we have multiple layers of encryption to protect our users and never have access to those encr...
by stan1
Thu Apr 10, 2014 3:32 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 100
Views: 5287

Re: B&M Bank: BoA or Wells Fargo?

Both are huge banks, so there will be many people who have been wronged and many who've never had a problem. I've used one or the other for over 30 years with no problems. They are roughly comparable for my needs, with the exception that at the time I last switched there were 3 full service B of A b...
by stan1
Tue Apr 08, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: B&M Bank: BoA or Wells Fargo?
Replies: 25
Views: 1237

Re: Advice for [Religious Investor]

Options, forwards, futures, shorts, etc. would be considered gambling so not allowed.
by stan1
Sun Apr 06, 2014 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for [Religious Investor]
Replies: 39
Views: 2993

Re: Establishing new state residency before CA home sale

Hopefully you've kept receipts for any major improvements you've done to the house over the years so you can adjust your cost basis upward.
by stan1
Sun Apr 06, 2014 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Establishing new state residency before CA home sale
Replies: 2
Views: 194

Re: temp power of attorney for specific purpose of selling h

You don't need to be there in person (unless that is a specific State of Michigan requirement). Have the escrow company send the papers to you by email (or overnight delivery); take them to a notary in Utah and sign; and send them back by overnight delivery. We did that when we sold my mom's house i...
by stan1
Sun Apr 06, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: temp power of attorney for specific purpose of selling house
Replies: 7
Views: 385

Re: Financial question about a Doctor’s Visit

My lab results are all made available online so no need for phone calls or follow up visits (unless there's something wrong of course). Sometimes I request the doctor enter the labs about 2 weeks before the appointment so that I can get it done in advance and have the results ready to review at the ...
by stan1
Sun Apr 06, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial question about a Doctor’s Visit
Replies: 77
Views: 3513

Re: San Diego travel advice

A car is not necessary if you only will be downtown, but if you want to go to Balboa Park (zoo), Cabrillo National Monument, or La Jolla or just about anyplace else you will need/want a car. Since the airport is very close to downtown you could skip the car if you don't need it for the days you are ...
by stan1
Sun Apr 06, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: San Diego travel advice
Replies: 5
Views: 277

Re: Advice for [Religious Investor]

Real estate and gold/commodities (some risk), or a business (illiquid but may generate income).
by stan1
Sun Apr 06, 2014 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for [Religious Investor]
Replies: 39
Views: 2993

Re: Implementing David Allen's Getting Things Done (GTD)

GTD will work for some people, but others will not want to use it because it is onerous or will find it to be ineffective. People who don't like making lists probably aren't going to be effective with GTD, and not everyone should be a list maker. The same ideas have been repeated and restated in tim...
by stan1
Sat Apr 05, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Implementing David Allen's Getting Things Done (GTD)
Replies: 45
Views: 4210

Re: HTTPS [Request to implement HTTPS for this site]

I work in cyber security, but am the manager who tells the engineers they have to live within a budget and schedule so I make these types of tradeoffs every day. I agree with Mr. Frakt. For a website like this its more hassle than real benefit. Obviously https is not overkill for a website with pers...
by stan1
Fri Apr 04, 2014 9:41 pm
 
Forum: Forum Issues and Administration
Topic: HTTPS [Request to implement HTTPS for this site]
Replies: 52
Views: 2627

Re: Business-related meals: tax deductions

Any other inputs would be greatly appreciated! If you could arrange to have the cafe rent you an "office space" (table, Wi-Fi, restroom) by the month as your permanent work space (issuing a receipt for this) and include some drink/food you might have better luck. Not that I would try this...
by stan1
Fri Apr 04, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Business-related meals: tax deductions
Replies: 11
Views: 847

Re: Potential Move - NYC to Charleston SC

I spent a year in "low country" and I felt relatively isolated in terms of access to air travel. If you've never *not* lived close to a major airport, you may want to consider how your travel plans will change. If you don't have a tight travel schedule, it is workable. It's easy to take a...
by stan1
Fri Apr 04, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Potential Move - NYC to Charleston SC
Replies: 16
Views: 1508

Re: 2 Vanguard questions and 1 ETF

For 1) $3000 is the minimum to open a new money market account -- not the minimum balance. They will not close the account if the balance goes under $3000. Also, they will not close a settlement account linked to a brokerage account. To do it yourself: open a Money Market fund with $3000. Link it to...
by stan1
Fri Apr 04, 2014 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: 2 Vanguard questions and 1 ETF
Replies: 4
Views: 290

Re: Best ways to show daily news to 9 year old

Use a DVR and fast forward through the commercials. This will also get you about 10 minutes of your life back to spend with your daughter in other ways.
by stan1
Tue Apr 01, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Best ways to show daily news to 9 year old
Replies: 28
Views: 1909

Re: Windjammer/Tall ship cruise

There are different types of products in the marketplace so might need some clarification on what you are looking at. The Windstar ships are casual but are not booze cruises. The sails are a bit of a gimmick as they mostly use the engine power to get from point to point, but its fun when they do unf...
by stan1
Tue Apr 01, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Windjammer/Tall ship cruise
Replies: 15
Views: 1242

Re: Earthquake insurance in California

There is a calculator on the California Earthquake Authority website that will give you an estimate. http://www.earthquakeauthority.com/CEARateForm.aspx?id=3&pid=3 Among the data that you need to enter are zip code, insured value, year house was built, whether it is wood frame or other construct...
by stan1
Tue Apr 01, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Earthquake insurance in California
Replies: 27
Views: 1409

Re: Accident in a rental car on government credit card

Coverage should be included if he used his government travel card. Probably want to familiarize yourself with this: http://www.defensetravel.dod.mil/Docs/CarRentalAgreement.pdf This is the agreement signed by rental car agencies who rent to government travelers. Also on this page there is a "ve...
by stan1
Tue Apr 01, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: Accident in a rental car on government credit card
Replies: 24
Views: 1312

Re: Expensive hobbies and possessions? (B/c you can...)

Travel, German cars, high quality food, exercise/fitness.

Neighbors and friends have pools, boats, jetskis, timeshares, woodshops, etc. that they are happy to share with us (often at the cost of a bottle of wine).
by stan1
Mon Mar 31, 2014 9:58 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9189

Re: Earthquake insurance in California

I have it since it is not very expensive where I live (less than 10% of my total homeowner's policy). I would get a quote from your home owners insurer to add a California Earthquake Authority policy. Also read the policy (deductibles). No point guessing without the facts.
by stan1
Mon Mar 31, 2014 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Earthquake insurance in California
Replies: 27
Views: 1409

Re: Reading room chair - what to pay and where to purchase?

Most new chairs in that price range are going to be bad. There's likely some new chair in that price range you personally find OK. Perhaps go to Ikea and sit in all the sub-$300 chairs. You might find that the Poang with good upholstery and matching footstool meets your needs. Or you may hate it. A...
by stan1
Sun Mar 30, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Reading room chair - what to pay and where to purchase?
Replies: 29
Views: 2364

Re: Moving to HCOL (Net Income Paycut)? [High Cost of Living

Move to Silicon Valley and get some good experience on your resumes. You can always move away if you don't like it when your kids are entering school, and will be in a better negotiating position elsewhere (due to higher salary and hopefully respected work experience).
by stan1
Sat Mar 29, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving to HCOL (Net Income Paycut)? [High Cost of Living]
Replies: 14
Views: 1078

Re: Being my own contractor for a bathroom remodel?

People have friends help work on their homes all the time, sometimes with a few beers and sometimes with a few dollars in compensation. It is possible to over think this.
by stan1
Sat Mar 29, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Being my own contractor for a bathroom remodel?
Replies: 19
Views: 1448

Re: Being older/younger in class -- benefits, issues?

Having been born in October and often being among the youngest/smallest in my class I suffered no long term (or short term) damage. Agree with the earlier posts: its too early to make a decision. Watch her socialization for a few more years and take cues from that. If she shows signs that she is not...
by stan1
Sat Mar 29, 2014 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 98
Views: 4812

Re: Buying a house with a partner, not married

Seems like each should put $50K into the property and finance the rest.
That way its a 50/50 split.

If they decide to get married the partner with the other $450K can decide to pay down the loan, or keep their pre-marital assets separate.
by stan1
Fri Mar 28, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a house with a partner, not married
Replies: 23
Views: 1327

Re: Portfolio help for 83 year old widow lady

Is she able to live off her SS and pension? If she is drawing down the funds for living expenses I'd be very cautious about investing in anything riskier than CDs. Even if she says she is willing to accept more risk does she really understand it? My mom says she is willing to accept more risk -- the...
by stan1
Thu Mar 27, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help for 83 year old widow lady
Replies: 16
Views: 1083

Re: Donor Advised Funds

As I was just considering donor advised funds, this thread is very helpful. However, I am a small-time giver. I try to give away $2K-$3K every year, generally to several charities, so $100-$500 for each. The Fidelity program looks great for small minimums/small donations. And easy record keeping, e...
by stan1
Thu Mar 27, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 56
Views: 2042

Re: Donor Advised Funds

The main differences I found when I opened my account in February were: Vanguard Charitable: minimum initial contribution $25K, subsequent grant $5K, minimum grant $500 Fidelity Charitable: minimum initial contribution $5k, subsequent grant $1K, minimum grant $50 $25K is too really too much for me t...
by stan1
Mon Mar 24, 2014 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 56
Views: 2042

Re: Is there ever a reason to prefer taxable over tax advant

Most people's 401K doesn't have brokerage to buy a variety of investments that aren't available in most 401K plans. Others have mentioned margin, options, short sales, limit/stop orders, stocks, ETFs, etc. that come with a taxable brokerage account.
by stan1
Mon Mar 24, 2014 1:04 am
 
Forum: Investing - Theory, News & General
Topic: Is there ever a reason to prefer taxable over tax advantaged
Replies: 48
Views: 4533

Re: Convince me to get a credit card

What are you using, if not a credit card? Credit cards have superior consumer protection than debit cards. If there is fraud on a credit card you dispute the charge and it is taken off your bill. IF there is fraud on a debit card the money is gone from your account and you have to work with the bank...
by stan1
Sun Mar 23, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 93
Views: 4935

Re: Advice on Parent Entering Assisted Living

You probably want her to be near you, but when we put my mom in a supervised living facility we realized that monthly rates in Utah were half what similar facilities charged in California. Not everyone will be able to make that choice, but if you do have the option of putting her in a LCOL area you ...
by stan1
Sun Mar 23, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Parent Entering Assisted Living
Replies: 25
Views: 2037

Re: Donating appreciated stock to charity

It might be easier to create a donor advised fund if you wish the contributions to go to multiple charities.
by stan1
Sun Mar 23, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donating appreciated stock to charity
Replies: 7
Views: 523

Re: Implementing David Allen's Getting Things Done (GTD)

I'm not a list maker, but I do ask myself "what's the next step" dozens of times a day (at work and at home). That will get you 75% of the way there. Also I bought a nice Scansnap scanner about 5 years ago that has really reduced the amount of paper I keep in the house. Plus spending even ...
by stan1
Sun Mar 23, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Implementing David Allen's Getting Things Done (GTD)
Replies: 45
Views: 4210

Re: International exposure using multiple ETFs?

For simplicity, it's appropriate to use one fund or (ETF), e.g., Vanguard International Total (VXUS). If one wants the flexibility to select the percentage of allocation between FTSE All-World ex-US and the Emerging Markets, would it be more prudent to use multiple ETFs, i.e., VWO & VEU? I am t...
by stan1
Sat Mar 22, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: International exposure using multiple ETFs?
Replies: 10
Views: 566

Re: best way to buy jewelry?

Would she prefer jewelry or a nice vacation?
Something to consider ....
by stan1
Fri Mar 21, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: best way to buy jewelry?
Replies: 28
Views: 1842

Re: Confused about gifting, estate taxes, and trusts

Does she have a will? Who is the executor? Are all the heirs OK with selling the house? You might want to put a lot of thought into the executor. If you are willing to do it you could save your family a lot of money instead of having an attorney do it. You might need to hire an attorney as part of p...
by stan1
Fri Mar 21, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Confused about gifting, estate taxes, and trusts
Replies: 37
Views: 1879

Re: First time poster: Question to assist my Son with inves

Jaxfldawg wrote:Thanks for the reply BL,

Ouch! Had not thought about needing a US address... That will be a problem


Seems like he would use his parents address.
Issue would be getting his money into U.S. dollars and into a U.S. bank account.
by stan1
Fri Mar 21, 2014 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: First time poster: Question to assist my Son with investing
Replies: 8
Views: 962

Re: Detached Townhome vs. Single Family Home Costs

One thing you'd want to look at is whether the condo association is accumulating the reserves to pay for a new roof/siding or whether it is structured to pay for these costs as special assessments at the time of need. If the complex is old enough to have gone through a cycle of roof/siding replaceme...
by stan1
Fri Mar 21, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Detached Townhome vs. Single Family Home Costs
Replies: 15
Views: 1409

Re: How do I rollover my wife's old 401(k) at Fidelity into

I would fill out the TSP form with your wife and send it to Fidelity with a short and polite cover letter asking that the package be routed to someone who is familiar with processing requirements for U.S. Government employee Thrift Savings Plan rollovers. That's the best you can hope for. It needs t...
by stan1
Fri Mar 21, 2014 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I rollover my wife's old 401(k) at Fidelity into TSP?
Replies: 4
Views: 298

Re: [VG VBS] Cannot move funds from TIRA to upgraded Roth on

VG Rep just told me that the June, 2014 is the projected end of the pilot program and the upgraded account will be offered generally without specific invitation at that time. Thanks for checking, I'll have to remember to block off a weekend to clean up Quicken for our 9 different mutual fund and VB...
by stan1
Fri Mar 21, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: [VG VBS] Cannot move funds from TIRA to upgraded Roth online
Replies: 6
Views: 338

Re: Yahoo Mail

I'd give it another day.

Yahoo is not set up to provide customer support (even if they say they are).
by stan1
Fri Mar 21, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo Mail
Replies: 10
Views: 775
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