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Re: Unlimited cell plans dropping in price?

I pay $50 for verizon for unlimited talk, text and 1gig data. Plus I get a big subsidy on my phone

I don't get why so many people are anti contract. It's not like I'm not going to use a cell phone within the next 2 years so I'll gladly take $450 off of next iphone when it comes out
by sunnyday
Wed Aug 20, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited cell plans dropping in price?
Replies: 11
Views: 692

Re: Questions about fertilizing and seeding lawn

Rather than seeding, one may wish to consider buying sod. In our area, one can replace their lawn every year for less than the cost of watering it since sod is so cheap. We have found that installing sod is trivial. I'll definitely consider that down the road. How do you get rid of the old turf -- ...
by sunnyday
Tue Aug 19, 2014 11:42 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 17
Views: 1143

Re: Questions about fertilizing and seeding lawn

I live in NC and my lawn is mainly weeds. I will probably sell the house in 6-7 years and I was thinking of killing all and sowing grass a section at a time over a few years such that it will be in good shape by sell date. I am ok with weeds but presumably I will get a better price if I have a nice...
by sunnyday
Tue Aug 19, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 17
Views: 1143

Re: Questions about fertilizing and seeding lawn

Thanks for all of the responses -- especially Sheepdog for all the detailed information. I'll look into renting the an aerator and slit seeder although I'm hoping to not spend a lot. I have a landscaper cut my grass and I could get a quote from him too -- I think it'll be about $75 to aerate, proba...
by sunnyday
Tue Aug 19, 2014 4:29 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 17
Views: 1143

Re: Questions about fertilizing and seeding lawn

Thanks for all of the responses -- especially Sheepdog for all the detailed information. I'll look into renting the an aerator and slit seeder although I'm hoping to not spend a lot. I have a landscaper cut my grass and I could get a quote from him too -- I think it'll be about $75 to aerate, probab...
by sunnyday
Tue Aug 19, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 17
Views: 1143

Re: gifting money, and smoking

Your living rent free and going to school, they asked for $400. Give them $500 and thank them for the roof, no strings attached. The smoking thing is another issue, all you can do is prod them a little to quit. Tough to get someone to quit smoking unless they want to quit. I agree, except I would o...
by sunnyday
Tue Aug 19, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: gifting money, and smoking
Replies: 25
Views: 1351

Re: Looking for advice on creating a Will

OP, I just went through Nolo's Will Maker Plus. It was very simple -- TurboTax like and took me just a few minutes. Things that I choose were: A guardian and backup guardian (the main purpose of my will) Property Bequest Child's Trust & property guardian Executor and backup executor Everything I...
by sunnyday
Tue Aug 19, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2370

Questions about fertilizing and seeding lawn

I'm going to work on revitalizing my lawn when temperatures cool off in September. I just receive my soil report from my state agriculture department and my pH is low, my phosphorus is really low, and my potassium is optimal. The report recommends 50 lbs of lime per 1,000 sqft and 20 lbs of 5-10-5 f...
by sunnyday
Tue Aug 19, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 17
Views: 1143

Re: Bogleheads Featured in Money Article

So for tip #3, the article (Mel) is recommending I-Bonds and TIPS for pre-retires. Is that regardless of timeframe and goals? I would think that TIPS and I-Bonds would be more important for retires than pre-retires. Actually, the article was supposedly aimed at retirees and near-retirees, and I res...
by sunnyday
Tue Aug 19, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 2888

Re: Home audio system -- bluetooth speakers vs Sonos

Buy this Bluetooth speaker for $149. They sell it on Amazon ..... check the reviews ....Creative SoundBlaster Roar. I already ordered the Anker one but I may consider something like that for my next speaker. These seem like a hot, competitive product and figure all the competition and advances in t...
by sunnyday
Tue Aug 19, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: Home audio system -- bluetooth speakers vs Sonos
Replies: 15
Views: 1253

Re: Jewelry Insurance - Engagement Ring

I used JM but now have my wife's ring covered under our home owners insurance. I think it's about half the price and covers the same things -- but read the fine print to make sure it's the same with your insurance. JM was slow to cancel my policy when I switched, so that was a bit of a hassle, but i...
by sunnyday
Mon Aug 18, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Jewelry Insurance - Engagement Ring
Replies: 11
Views: 878

Re: Choosing and paying an executor

I suspect you can also specify a dollar amount as the fee. I have the impression that fees are negotiable and that State mandated fees are the maximum that could be charged without judicial review. Wrong? Dale That would be great if I could specify a fee. However, it might be limited by a percentag...
by sunnyday
Mon Aug 18, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing and paying an executor
Replies: 10
Views: 845

Re: Bogleheads Featured in Money Article

So for tip #3, the article (Mel) is recommending I-Bonds and TIPS for pre-retires. Is that regardless of timeframe and goals? I would think that TIPS and I-Bonds would be more important for retires than pre-retires.
by sunnyday
Mon Aug 18, 2014 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads Featured in Money Article
Replies: 21
Views: 2888

Re: Looking for advice on creating a Will

sunnyday, I couldn't say it any better than has FreemanB. As for that property not passed on via designation of a beneficiary and just for fun, Google the laws in your state pertaining to the disposition of the estate of one who dies intestate. Is that scheme consistent with how you think you would...
by sunnyday
Mon Aug 18, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2370

Re: Choosing and paying an executor

Thanks for the replies. I will name my spouse as the primary. For the secondary, my child is just a toddler. I could name name my father who is on top things financially and in good health, but is in his 70s so I think it would be better to name someone closer to my age. Maybe I'll name my closest f...
by sunnyday
Mon Aug 18, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing and paying an executor
Replies: 10
Views: 845

Re: Looking for advice on creating a Will

Leerar has already mentioned the most crucial of things relative to your questions. The laws of your state pertaining to one dying intestate (without a will) may provide for a distribution that is remarkably different from what you wanted and terribly detrimental to those you wished to benefit from...
by sunnyday
Mon Aug 18, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2370

Re: Looking for advice on creating a Will

...I don't have a lot of good experience with lawyers in Philadelphia, the city where I live. And I anticipate that if I walk into some highly recommended lawyers office in Philly they won't consider me worth their time for less than $3K-$5K. That's a lot of money to me!... Philadelphia is a large ...
by sunnyday
Mon Aug 18, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 2370

Choosing and paying an executor

My wife and I are updating our wills. One question we have is who should we name as our executors and how would they get paid. Do most people name their spouses as their primary executor? We do have some family and friends who are very successful in finance and real estate, but I would want them to ...
by sunnyday
Mon Aug 18, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Choosing and paying an executor
Replies: 10
Views: 845

Re: Home audio system -- bluetooth speakers vs Sonos

Do all of the Sonos speakers have to be plugged in to a power supply? That's a downside for me, because every once in a while I'll listen to music on our porch, garage or play room. I think a big positive would be using the Sonos app and the better audio quality. Can the Sonos app play music from pr...
by sunnyday
Sun Aug 17, 2014 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Home audio system -- bluetooth speakers vs Sonos
Replies: 15
Views: 1253

Re: Cost of an above ground pool, land prep and maintenance

And here I thought you were talking about a pool, not a dish pan! :oops: Ditto. Could have posted a pic of what you had in mind before everyone wasted their time thinking you meant a real pool. I thought it was obvious that I was joking about my new "pool". I do appreciate the responses a...
by sunnyday
Sun Aug 17, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1104

Re: Cost of an above ground pool, land prep and maintenance

Update -- I bought a pool and installed a pool today!! - http://www.target.com/p/banzai-spray-n-splash-pool-giraffe/-/A-14985843#prodSlot=medium_1_12&term=swimming+pools My daughter loves it :D Maybe next summer I'll upgrade to something like this: http://www.target.com/p/10ft-x-30in-easy-set-in...
by sunnyday
Sun Aug 17, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1104

Home audio system -- bluetooth speakers vs Sonos

I have a small HDMX speaker that someone gave me. I've been using it more than I would have thought and I'm looking to upgrade to something with a longer batter and a bit more power. I'm thinking about getting one or two these and putting them in different rooms - http://www.amazon.com/dp/B00GX9A06Q...
by sunnyday
Sun Aug 17, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Home audio system -- bluetooth speakers vs Sonos
Replies: 15
Views: 1253

Re: Cost of an above ground pool, land prep and maintenance

Thanks for the replies. We do have a lot of places to swim but they're all driving distance. It would be nice to have something in the backyard. A hot tub could be a good option but I'm not sure it's worth the cost since we'd want something bigger as the kids get older. Another option could be to pu...
by sunnyday
Sun Aug 17, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1104

Cost of an above ground pool, land prep and maintenance

My toddler loves water and swimming and I'm thinking about putting in an above ground pool in next year. The land prep would probably be the most expensive. I have some tall ~75 ft pines that would probably need to be cut. There's a bunch of over growth that would need to be cleared (I could do this...
by sunnyday
Sun Aug 17, 2014 6:52 am
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1104

Re: How much to leave for young children, guardian and famil

...trust seems expensive considering our portfolio size (less than 7 figures) and that there's a very small chance it would be used within the next ~20 years. There's no expense to a testamentary trust except for the drafting cost unless you die. Gill Isn't the drafting cost about $5k for wills and...
by sunnyday
Fri Aug 15, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much to leave for young children, guardian and family
Replies: 12
Views: 1297

Re: How much to leave for young children, guardian and famil

Some good things to consider. From my perspective, a trust seems expensive considering our portfolio size (less than 7 figures) and that there's a very small chance it would be used within the next ~20 years. Talking to the guardian makes sense. It's fuzzy to me what expenses can be paid for out of ...
by sunnyday
Fri Aug 15, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much to leave for young children, guardian and family
Replies: 12
Views: 1297

How much to leave for young children, guardian and family

My wife and I are in the process of modifying our wills and beneficiaries. Instead of leaving 100% for our child (if we both pass away), we're thinking about leaving some for her legal guardian and a bit for other friends/family who could use it. Ideally, I don't want the legal guardian to have to w...
by sunnyday
Fri Aug 15, 2014 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much to leave for young children, guardian and family
Replies: 12
Views: 1297

Re: Medical Alert System

I checked consumer reports before posting and they had an article on some of them, but didn't test or rate them. I think the ideal thing for my relative would be a small bracelet with fall detection. Instead of having it connected to a phone, it's connect to a speaker on the outside of the house. Wh...
by sunnyday
Fri Aug 15, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Medical Alert System
Replies: 19
Views: 889

Re: Information for Caregivers and Survivors document

^^ Thanks, the first link is the exact thread I was wondering about the "death book" thread has some great additional information. It may be a bit overkill for myself and my wife but I'll get some things together that are listed in it. Good point about the safe deposit box -- was leaning t...
by sunnyday
Fri Aug 15, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Information for Caregivers and Survivors document
Replies: 3
Views: 265

Information for Caregivers and Survivors document

My wife and I are setting up a sheet with information for our survivors. I'm going to list things like SS#s, life insurance policies, real estate holding, mortgage and insurance, pension, financial accounts, code for our safe. I'll distribute that list to two relatives and also keep an additional li...
by sunnyday
Fri Aug 15, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Information for Caregivers and Survivors document
Replies: 3
Views: 265

Medical Alert System

I have a relative who is in her 90's and has fallen a couple of times. Luckily she wasn't injured and her relatives who live with her were there to help her out. However, they would like to get her a medical alert system. I know there are a bunch with monthly subscriptions and there are also phone d...
by sunnyday
Fri Aug 15, 2014 12:26 pm
 
Forum: Personal Consumer Issues
Topic: Medical Alert System
Replies: 19
Views: 889

Re: Going from W-2 to 1099

Do you max out all of tax-advantage retirement accounts? If not, I would go with a SEP IRA for simplicity. Also, your wife should probably pay quarterly taxes so you aren't charged interest and payment fees and you may want to safe-harbor to keep things simple: http://www.easyestimatedtaxes.com/est...
by sunnyday
Thu Aug 14, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going from W-2 to 1099
Replies: 27
Views: 1742

Re: Going from W-2 to 1099

Do you max out all of tax-advantage retirement accounts? If not, I would go with a SEP IRA for simplicity. Also, your wife should probably pay quarterly taxes so you aren't charged interest and payment fees and you may want to safe-harbor to keep things simple: http://www.easyestimatedtaxes.com/esti...
by sunnyday
Thu Aug 14, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going from W-2 to 1099
Replies: 27
Views: 1742

Re: House, mortgage and no will -- if parents pass away

I guess my next question is what exactly happens with the money when the parents pass? How does Vanguard transfer the $500k to the child's account? How does the physical guardian draw from the account to pay for the child's expenses? Do they just track expenses like daycare and then withdraw it dire...
by sunnyday
Thu Aug 14, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: House, mortgage and no will -- if parents pass away
Replies: 12
Views: 1030

Re: House, mortgage and no will -- if parents pass away

Thanks for the replies. I have a will but am in the process of modifying it. To respond to tadamsmar's comment: Even when parents have a will and designate a guardian, the court still has to appoint the guardian. The court can (and must, if the parents' choice is not in the best interests of the chi...
by sunnyday
Thu Aug 14, 2014 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: House, mortgage and no will -- if parents pass away
Replies: 12
Views: 1030

House, mortgage and no will -- if parents pass away

Say two parents of an infant pass away and they do not have a will. They own a house with a market value of $200k and have a mortgage of $100k, and have $500k in Vanguard funds. The legal guardian of the infant would like to move into the house. Would the guardian need to pay market value for the ho...
by sunnyday
Thu Aug 14, 2014 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: House, mortgage and no will -- if parents pass away
Replies: 12
Views: 1030

*** Sign up for fraud alerts ***

With credit card fraud on the rise, I think everyone should sign up for credit and debit card fraud alerts. It would allow the OP and others to catch the illegal transactions immediately via sms messages or email. I signed up for them through AmEx and my credit union a year ago after my debit card h...
by sunnyday
Thu Aug 14, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Amazon Gift Card Fraud
Replies: 30
Views: 2609

Re: Assessing market trends by quarter

I agree with the comments...I'm just curious to see what the numbers look like, so I created a Google Spreadsheet and used this formula: =AVERAGE(INDEX( GoogleFinance( $B$1, "close" , $A5 , $A5+$B$2 ) , , 2)) where: $B$1 = INDEXSP:.INX $B$2 = 91 - about 91 days in each quarter $A5 = 1/1/20...
by sunnyday
Wed Aug 13, 2014 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: Assessing market trends by quarter
Replies: 3
Views: 316

Assessing market trends by quarter

I’m a believer in time in the market is much more important than trying to time the market and invest money as soon as I have it available. However, due to income, lifestyle, bills and front-loading pretax accounts I invest significantly more in Q1 and invest the least in Q3 of each year. Purely out...
by sunnyday
Wed Aug 13, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: Assessing market trends by quarter
Replies: 3
Views: 316

Re: Bedding and bed frame recommendations

After doing some searching, I think I'll pick up the sheets, comforter and pillows from Ikea for ~$100 total. I also think I'm going to build a bed which will probably cost $100-$200 depending on lumber and materials
by sunnyday
Tue Aug 12, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: Bedding and bed frame recommendations
Replies: 4
Views: 464

Re: Bedding and bed frame recommendations

I bought a bed from Costco a while ago and was happy with it. I no longer have a membership there though
by sunnyday
Sun Aug 10, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Bedding and bed frame recommendations
Replies: 4
Views: 464

Bedding and bed frame recommendations

I just bought a Tuft and Needle 10" bed thanks to the recommendations on here from one of my previous posts. Now I'm look for reasonably priced king size bed sheets, a light weight comforter, large, flat, extra firm pillows and a platform king bed. They will be used for a guest bed, so I'm not ...
by sunnyday
Sun Aug 10, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Bedding and bed frame recommendations
Replies: 4
Views: 464

Re: 529 Account or Roth IRA for Education Savings?

If you search the forum for 529 you'll see tons of threads about 529s. It often comes down to two camps and I'm in the "max out your tax-advantage retirement accounts before funding a 529" camp.
by sunnyday
Fri Aug 08, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 Account or Roth IRA for Education Savings?
Replies: 7
Views: 353

Re: Affording a 1.3 million home?

Here is a person who lives in the Bay area who has good advice: RENT! https://www.khanacademy.org/economics-finance-domain/core-finance/housing/renting-v-buying/v/renting-vs--buying-a-home The founder of Khan Academy, Salman Khan, is very smart (MIT/Harvard grad), and lays out a strong long-term ec...
by sunnyday
Thu Aug 07, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 10942

Re: Affording a 1.3 million home?

Here is a person who lives in the Bay area who has good advice: RENT! https://www.khanacademy.org/economics-finance-domain/core-finance/housing/renting-v-buying/v/renting-vs--buying-a-home The founder of Khan Academy, Salman Khan, is very smart (MIT/Harvard grad), and lays out a strong long-term ec...
by sunnyday
Wed Aug 06, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 10942

Re: Affording a 1.3 million home?

How long do you plan to stay in the home and what do similar homes rent for? I'm not saying you should rent, but SF is #2 on the list below. A couple of links that you may find helpful: http://info.trulia.com/index.php?s=32055&item=125286 http://www.nytimes.com/interactive/2014/upshot/buy-rent-c...
by sunnyday
Wed Aug 06, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 105
Views: 10942

Re: Government 457b

The last 3 funds in your list (the SSgA funds) should be low cost. They will probably be great funds to go with too if you want to set up a 3-fund portfolio. It's almost always much better to go with a tax-advantage account than taxable, unless the expenses are absurdly high and you're in a low tax ...
by sunnyday
Wed Aug 06, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Government 457b
Replies: 17
Views: 1058

Re: How many families use 529 plans?

Some 401k plans permit in-service withdrawals, allowing people to do so-called Mega Backdoor Roth IRA contributions. My employer provides an option in the 401k to contribute after-tax dollars, once I've maxed out the before-tax portion (which I do). Those after-tax 401k dollars can be converted whe...
by sunnyday
Mon Aug 04, 2014 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6457

Re: How many families use 529 plans?

My employer provides an option in the 401k to contribute after-tax dollars, once I've maxed out the before-tax portion (which I do). Those after-tax 401k dollars can be converted whenever to a Roth IRA (it sounds like the 'backdoor' Traditional to Roth conversion process), which would then grow tax...
by sunnyday
Mon Aug 04, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6457

Re: How many families use 529 plans?

Could not agree more with this. Have been following this discussion with interest and it has reaffirmed what a good decision it was to use a 529. A controversial side note is the question: why did you bring a child into the world if you don't have the discipline to save for what's necessary in most...
by sunnyday
Mon Aug 04, 2014 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6457
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