Search found 4156 matches

by stan1
Wed Sep 02, 2015 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Deplete E-Fund, or Put it on Credit?
Replies: 11
Views: 498

Re: Deplete E-Fund, or Put it on Credit?

In general I'd say use the emergency fund, that's what it's there for. If something else comes up within the next few months then you might have to use the credit card, but for now use the emergency fund as it was intended to avoid the interest charges. The exception would be if you know you have so...
by stan1
Fri Aug 28, 2015 5:30 pm
Forum: Personal Consumer Issues
Topic: Recessed/Pendant Lights: Where to Place for this Kitchen
Replies: 9
Views: 701

Re: Recessed/Pendant Lights: Where to Place for this Kitchen

In my house I'm replacing the incandescent can lights one room at a time with LED (cannibalizing from bathrooms first, then hallways, and finally will replace all in the kitchen to go 100% LED). We have close to 50 incandescent can lights in this house and most have lasted 16+ years so not in a big ...
by stan1
Fri Aug 28, 2015 12:49 pm
Forum: Personal Consumer Issues
Topic: Realtor Listing Agreement question
Replies: 8
Views: 1326

Re: Realtor Listing Agreement question

I would just add that your interests will be best aligned with the Realtors involved if your primary objective is a fast sale at good price (rather than the best possible price no matter how long it takes). My perspective is that its definitely worth it to have the house sell quickly than to leave i...
by stan1
Fri Aug 28, 2015 9:24 am
Forum: Personal Consumer Issues
Topic: Realtor Listing Agreement question
Replies: 8
Views: 1326

Re: Realtor Listing Agreement question

Have the Realtor show you on the MLS listings for the comparable sales what the buyer agent commission is on those properties. Make sure they show you comps from different agencies. In my area its there but its somewhat obfuscated (not clearly labeled, you have to know what you are looking at). If t...
by stan1
Fri Aug 28, 2015 8:58 am
Forum: Personal Finance (Not Investing)
Topic: How much do you donate to your kid's public school?
Replies: 60
Views: 4436

Re: How much do you donate to your kid's public school?

Yes, this is common in "upper middle class"/wealthy public schools and school districts in CA. The extra money pays for things like teacher aides, supplies, libraries, computers/software, music/art programs, etc. that otherwise would not be offered or would be out of date. I guess the way ...
by stan1
Thu Aug 27, 2015 7:48 am
Forum: Personal Finance (Not Investing)
Topic: PenFed offer to use their card
Replies: 5
Views: 1232

Re: PenFed offer to use their card

In my experience the offer/reminder to use the card more can be followed a few months later by cancellation for non-use (if you don't use it).
by stan1
Wed Aug 26, 2015 9:37 pm
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 45
Views: 4153

Re: I need a classic men's black dress belt

I'm in the market for a new black and a new brown belt. Anyone have recommendations for those of us who prefer to to avoid leather products? I've seen some products out there but none that have come with any reliable reviews. Thanks! I have not bought it but you could look at the SuperBIO Belt at B...
by stan1
Mon Aug 24, 2015 2:43 am
Forum: Investing - Theory, News & General
Topic: Is there consensus on reinvesting dividends or taking in cash?
Replies: 8
Views: 931

Re: Is there consensus on reinvesting dividends or taking in cash?

If you are paying fees, you are doing investing wrong. Open an account at Vanguard and trade commission-free ETFs and mutual funds. I cant move it to Vanguard because its a 401k through employer, with Schwab as the custodian. Reinvesting is fine in a 401K (either traditional or Roth). You can rebal...
by stan1
Sun Aug 23, 2015 10:12 pm
Forum: Personal Consumer Issues
Topic: LastPass Users' Feedback
Replies: 14
Views: 1029

Re: LastPass Users' Feedback

For the spouse or another user, I want to make another login with limited access. Is this possible? This is not possible. One set of credentials per account with full access to all logins in the vault. You can share accounts/passwords with other LastPass users. Each person has their own LastPass ac...
by stan1
Sat Aug 22, 2015 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Intuit to Sell off Quicken
Replies: 26
Views: 2846

Re: Intuit to Sell off Quicken

I predict a lot more embedded advertisements.
by stan1
Thu Aug 20, 2015 8:18 pm
Forum: Personal Consumer Issues
Topic: New Kitchen Appliances
Replies: 31
Views: 2533

Re: New Kitchen Appliances

hand wrote:P.S. The Gardenweb Appliance forum has great discussions about kitchen appliances.


Thanks for this pointer, I've done a lot of reading at this site the past few days and you are right it is very useful.
by stan1
Wed Aug 19, 2015 7:50 pm
Forum: Personal Consumer Issues
Topic: New Kitchen Appliances
Replies: 31
Views: 2533

Re: New Kitchen Appliances

I have a family member who works for Electrolux and when it is time to get a new appliance I ask him what brand to buy. He always says it does not matter and that none of them will last long. To stay competitive the parts they buy get cheaper and cheaper which causes the appliance to break down mor...
by stan1
Wed Aug 19, 2015 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Bank closed all my accounts without explanation
Replies: 66
Views: 6048

Re: Bank closed all my accounts without explaination

I recall they called me few weeks ago and lady asked if i can share some info. I said dependd what ur asking. She asked what i did for a living and i told her thats my business. I consider that my pvt info and dont want disclose it over the phone. Idiots only if they actually look at the 2 business...
by stan1
Wed Aug 19, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Bank closed all my accounts without explanation
Replies: 66
Views: 6048

Re: Bank closed all my accounts without explaination

Basically I think Santander has determined that its more profitable and lower risk for them to close your accounts than to comply with U.S. government reporting requirements. I don't think there's much you can do about that, and many other banks will do the same especially if there are large sums of...
by stan1
Wed Aug 19, 2015 1:03 am
Forum: Personal Consumer Issues
Topic: New Kitchen Appliances
Replies: 31
Views: 2533

Re: New Kitchen Appliances

For the most part the fancier more expensive stuff has the most problems. Super expensive appliances by Viking, Thermidor and Subzero are typically the least reliable and very expensive to repair. When consumer reports tests these brands they often don;t perform as well as much lower cost middle of...
by stan1
Tue Aug 18, 2015 11:34 pm
Forum: Personal Consumer Issues
Topic: New Kitchen Appliances
Replies: 31
Views: 2533

Re: New Kitchen Appliances

The next time I am going to buy an appliance, I will google the model # and review the complaints first. Some people just can't be pleased, but many complaints about the same thing are often on to something. Thus my dilemma as doing just this is what led me to create this thread. It's definitely no...
by stan1
Tue Aug 18, 2015 9:00 pm
Forum: Personal Consumer Issues
Topic: New Kitchen Appliances
Replies: 31
Views: 2533

New Kitchen Appliances

We just bought a house that is going to need a major kitchen remodel (replace cabinets, countertops, and all appliances). Our previous house had GE Profile ovens, microwave, and cooktop installed in 1999 that held up well for 16 years (we are light and gentle users) with no repairs needed. The revie...
by stan1
Tue Aug 18, 2015 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Bank closed all my accounts without explanation
Replies: 66
Views: 6048

Re: Bank closed all my accounts without explaination

Are you physically present in the United States (or have you had frequent travel outside the U.S. that might lead your bank to believe you don't live here)?
by stan1
Mon Aug 17, 2015 8:09 pm
Forum: Personal Consumer Issues
Topic: How to soundproof interior walls
Replies: 24
Views: 2364

Re: How to soundproof interior walls

You might start with asking one of the HOA board members or paid association manager if anyone in the other units have taken steps to add soundproofing material and how it was done. In many condos any work on a shared wall would need HOA approval. Even some more information on how the walls were con...
by stan1
Mon Aug 17, 2015 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Estate Tax - My Fears
Replies: 12
Views: 2121

Re: Avoiding Estate Tax - My Fears

First, make sure your parents are keeping records for all the improvements they make to the property. The cost of improvements can be added to the cost basis for income tax purposes. In California it is easy to have over $100K-200K or even much more in improvements if you've owned a house for 20+ ye...
by stan1
Sun Aug 16, 2015 8:55 pm
Forum: Personal Consumer Issues
Topic: New construction final walk-through
Replies: 12
Views: 1369

Re: New construction final walk-through

When we bought a new home 15 years ago the builder emphasized that they would come back and fix anything for the first year so there wasn't a hurry to catch everything at the final inspection. They lived up on this commitment. It made the closing a little easier and as we lived in the house we found...
by stan1
Sun Aug 16, 2015 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Behavioral Interview for Leadership Posistion
Replies: 32
Views: 3900

Re: Behavioral Interview for Leadership Posistion

Company leaders are expected to be quick on their feet. You won't always have a week to prepare a response or action; sometimes you'll need to make decisions in seconds and you might find yourself talking to news media, politicians, or opposing legal counsel without opportunities to prepare. Your co...
by stan1
Sat Aug 15, 2015 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Animal cruelty free mutual Funds
Replies: 37
Views: 2388

Re: Animal cruelty free mutual Funds

You could introduce her to the concept of offsets. Here's an example for carbon offsets: https://en.wikipedia.org/wiki/Carbon_offset The idea being that she would offset any income she feels she receives from companies that might exploit animals by making a larger contribution to animal related char...
by stan1
Fri Aug 14, 2015 5:41 pm
Forum: Personal Consumer Issues
Topic: I need a classic men's black dress belt
Replies: 45
Views: 4153

Re: I need a classic men's black dress belt

Try Bullhide. I'm very happy with mine. High quality leather, lots of different looks, customizable choices on the number of holes, width, buckle finish, screws or snaps, 3 year warranty. Made in USA.

http://www.bullhidebelts.com/
by stan1
Wed Aug 12, 2015 9:45 pm
Forum: Personal Consumer Issues
Topic: Maximizing space in a small house
Replies: 39
Views: 4079

Re: Maximizing space in a small house

Don't buy things you don't need and get rid of things you don't use. It really can be a struggle to keep up with this but one "rule" you can use with your kids is that they have to donate one old toy to charity for every new toy that comes into the house at Christmas and birthdays. I know ...
by stan1
Mon Aug 10, 2015 4:39 am
Forum: Personal Finance (Not Investing)
Topic: Need to sell my grandmother's home. What to do first?
Replies: 6
Views: 645

Re: Need to sell my grandmother's home. What to do first?

I dealt with a similar situation with my mom a few years ago (clutter, estimated sales price). What helped me through the process was making the decision going in that I wasn't going to bring all of my mom's "junk" into my house. I selected a few small items I wanted to keep for the sake o...
by stan1
Sun Aug 09, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a house that is registered under a sex offender[?]
Replies: 36
Views: 4181

Re: Buying a house that is registered under a sex offender

No, in CA it is the buyer's responsibility to perform due diligence on this if it is of concern to you. I am selling a home right now and have the California Association of Realtors Megan's Law disclosure form in front of me. Assuming you are working with a professional Realtor the buyer and seller ...
by stan1
Thu Aug 06, 2015 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Transferring large sums from foreign country with rapidly depreciating currency? Loss so far = US$11k
Replies: 10
Views: 805

Re: Transferring large sums from foreign country with rapidly depreciating currency? Loss so far = US$11k

You also need to consider how you are going to get the money into the U.S. You probably do not want to put $50,000 in a carry on and bring it back through U.S. Customs. Figure out how to do a wire transfer and pay the fees. It's better than taking the chance that U.S. customs will think you are doin...
by stan1
Thu Aug 06, 2015 5:40 am
Forum: Personal Consumer Issues
Topic: Selecting a "skilled nursing facility" (SNF) for Mom (90)
Replies: 10
Views: 922

Re: Selecting a "skilled nursing facility" (SNF) for Mom (90)

In general, if she is likely to return home after she heals, I'd look for a specialized rehabilitation facility rather than a nursing home. A place where people routinely get well and go home is going to be a much more positive environment for everyone (patients and staff) than a place where many pe...
by stan1
Thu Aug 06, 2015 5:11 am
Forum: Personal Consumer Issues
Topic: visit to san diego next week
Replies: 13
Views: 1063

Re: visit to san diego next week

Definitely USS Midway. Even if you went last time it will be a different experience now that he's 14. He may also find the San Diego Model Railroad Museum interesting. It is in Balboa Park. He'd have fun at the beach such as Coronado for a few hours (consider renting a boogie board for him, or he ca...
by stan1
Wed Aug 05, 2015 9:37 pm
Forum: Personal Consumer Issues
Topic: Anyone hire a night nanny?
Replies: 8
Views: 1417

Re: Anyone hire a night nanny?

It's one of these things that if you can afford it -- why not?
by stan1
Tue Aug 04, 2015 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Husband's nursing home costs eating up inheritance and savings.
Replies: 25
Views: 4474

Re: Husband's nursing home costs eating up inheritance and savings.

Elder care attorney and don't rule out the possibility of a "strategic" divorce (especially since it sounds like your husband agreed to go into the nursing home without your involvement).
by stan1
Sun Aug 02, 2015 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord Question - Military Tenant
Replies: 25
Views: 1506

Re: Landlord Question - Military Tenant

Offer him an incentive to leave before the lease is up (try in the range of $1200-2000)
by stan1
Sun Aug 02, 2015 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord Question - Military Tenant
Replies: 25
Views: 1506

Re: Landlord Question - Military Tenant

What does your lease say? If your lease doesn't handle this situation you need to hire a lawyer.
by stan1
Fri Jul 31, 2015 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Appraisal Higher than Accepted Offer Price
Replies: 21
Views: 2023

Re: Appraisal Higher than Accepted Offer Price

Keep in mind there are at least 5 different values of a house: List value: What the homeowner thinks the property is worth Sale value: What the buyer thinks the property is worth Appraised value: What the lender's representative thinks the property is worth Assessed value: What the tax assessor thin...
by stan1
Fri Jul 31, 2015 8:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard TR funds hold investor class shares?
Replies: 11
Views: 777

Re: Vanguard TR funds hold investor class shares?

I have never heard Vanguard offer a good answer on this. My guess is that it is because many Target Retirement accounts are low balance so (relatively) high cost per dollar invested. It's very easy to break out the TR funds into TSM, TISM, and bonds if you have access to the full range of Vanguard f...
by stan1
Sun Jul 26, 2015 5:18 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2865

Re: Vanguard Account Hacked

What happened? - Your account was locked because someone was entering the wrong password (this happens a lot and is not necessarily hacking) - You noticed that your account was accessed (last access time) - Vanguard called you and told you there was suspicious activity - Money was withdrawn from the...
by stan1
Sun Jul 26, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2865

Re: Vanguard Account Hacked

Can you please give more detail on what happened? There are plenty of folks on this board who can offer their advice with more detail.
by stan1
Sun Jul 26, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 13795

Re: Would you look down on a co-worker for driving a beater?

You are seeing some selection bias on this board. For every person who admires frugality there are multiple who will laugh at you (holding no ill will) and some who will judge unfortunately. If you are in sales or are an attorney unfortunately there are situations where image can matter to peers as ...
by stan1
Thu Jul 23, 2015 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Performance review for Boss!
Replies: 20
Views: 2294

Re: Performance review for Boss!

I'd offer positive comments and withhold "constructive criticism".

If I didn't think my boss was doing a good job I would forget to submit the evaluation.
by stan1
Tue Jul 21, 2015 6:42 pm
Forum: Personal Consumer Issues
Topic: Whole House Fan with Simple Automation
Replies: 12
Views: 1302

Re: Whole House Fan with Simple Automation

We use our whole house fan most every day from June to September and reduced the number of days we need to use the air conditioning each summer from about 120 to 20 saving I'd guess about $400-600 each season. We've had it for about 15 years. We have an Intermatic timer (it does break about every 5 ...
by stan1
Mon Jul 20, 2015 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Military career or Top MBA
Replies: 37
Views: 3866

Re: Military career or Top MBA

The grass may not be greener on the other side of the fence. There aren't a whole lot of $100K+/year jobs out there that are 40 hours per week 8 to 5 jobs with infrequent travel. If you did happen to find such a job you'd likely be at the top of the list for layoffs as there would always be many peo...
by stan1
Sun Jul 19, 2015 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: What can you deduct for undermarket rental?
Replies: 23
Views: 1655

Re: What can you deduct for undermarket rental?

365 personal-use days results in $0 deductible rental expenses. Mortgage interest and real estate taxes may be deductible on Sch A. Great analysis, so the occupant is essentially a roommate or caretaker living in OP's second home contributing $500/month to household expenses. I'm sure this isn't wh...
by stan1
Sun Jul 19, 2015 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: What can you deduct for undermarket rental?
Replies: 23
Views: 1655

Re: What can you deduct for undermarket rental?

fortunefavored wrote:Talking to "several accountants" sure is worrying sounding


You may get lucky and the first one will tell an answer that sounds reasonable to you. If you don't like what the first one says get a second opinion.
by stan1
Sun Jul 19, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Questions from a Likely Buyer of a FSBO
Replies: 23
Views: 1622

Re: Questions from a Likely Buyer of a FSBO

In my opinion, there is WAAAAAAAY too much money involved to not have legal representation. The offer to purchase is a legal contract, there is no way that I'm going for the false economy of doing it myself. Things go wrong with selling/buying a house all the time .... Another way to look at is tha...
by stan1
Sun Jul 19, 2015 10:05 am
Forum: Personal Finance (Not Investing)
Topic: What can you deduct for undermarket rental?
Replies: 23
Views: 1655

Re: What can you deduct for undermarket rental?

You need to talk to several accountants and look at your entire tax situation to include your risk of being audited. It is very complicated and the accountants may even give you conflicting advice which you'll have to sort out. Agree there is often a lot of bad advice given (some of it is overly con...
by stan1
Sat Jul 18, 2015 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Two potential taxable account allocations
Replies: 21
Views: 1362

Re: Two potential taxable account allocations

How would you rebalance Allocation #2? I've rebalanced through new contributions, reallocating asset classes in my retirement accounts, donating overweight asset classes to charity, and occasionally selling taxable investments to pay for a large purchase. I'd propose #3 as a middle ground, which is ...
by stan1
Sat Jul 18, 2015 8:37 am
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 6407

Re: losing money on a house....how do Bogleheads deal with it emotionally?

How about you tell her to quit whining and make a real sustained effort to find a way to enjoy your current residence. Maybe she should get out into the community and get more involved to make new friends. Get involved in local community affairs, do some volunteer work, start a reading group in nei...
by stan1
Wed Jul 15, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: Vanguard's Security image going away?
Replies: 81
Views: 8585

Re: Vanguard's Security image going away?

Yes, the image is gone and login/password are on the same page.

The text message 6 digit code that expires after 10 minutes is a much better approach.
by stan1
Wed Jul 15, 2015 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Renegotiating Contract, selling our house
Replies: 18
Views: 1564

Re: Renegotiating Contract, selling our house

What I'd suggest doing is politely sitting down with the Realtor and discussing the relationship. Something along the lines of "I'm not sure this is working out for either of us. I'd like to move on." Try not to become emotional and do not accuse the Realtor. Realtors make money when they ...

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