Search found 2218 matches

by 123
Tue Aug 22, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Needed Product: Non-health insurance for children?
Replies: 6
Views: 495

Re: Needed Product: Non-health insurance for children?

Not so many years ago, and to some extent still, the state governments bore/bear the collective risks of child development abnormalities by operating various institutions to provide care in extreme situations. The trend in more recent years to "main stream" everyone places a large burden on impacted...
by 123
Tue Aug 22, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Renunciation of executor nomination?
Replies: 6
Views: 415

Re: Renunciation of executor nomination?

It's possible that the parent's will provides for alternate/secondary executor selections if the primary does not survive or does not serve for a number of reasons. If the nominated executor does not file papers to serve as executor with the court I suppose another beneficiary could file to be execu...
by 123
Tue Aug 22, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Do you have to paint stucco?
Replies: 23
Views: 1379

Re: Do you have to paint stucco?

RE: "texture coat" - is that the same thing as elastomeric paint? That's what my contractor told me to use if we painted. That was actually the old paint on the stucco before it failed. IMO the stucco should be able to breathe; the old paint had trapped moisture into pockets and made it a nightmare...
by 123
Tue Aug 22, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11614

Re: How far would you travel to see The Eclipse?

Due to extensive cloud cover near the California coast Monday morning (8/21/17) we had to drive 50 miles inland to find clear skies for an eclipse view with above 75% coverage. It was worth the mileage.
by 123
Tue Aug 22, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Do you have to paint stucco?
Replies: 23
Views: 1379

Re: Do you have to paint stucco?

I grew up with stucco houses (California) and we always painted the stucco white, it seemed to last the longest and it didn't really "fade". Some years back our neighbors had a "texture coat" material applied to their stucco. It was supposed to stretch to continue to cover any cracks in the stucco a...
by 123
Tue Aug 22, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: How to Become a Spender?
Replies: 16
Views: 1145

Re: How to Become a Spender?

My parents were savers having gone through the depression so I guess I have followed them, since its the lifestyle I grew up with. It was also blended with a striving for self-sufficiency so when something needs work around the house I am loathe to call in an outside service person, I would much rat...
by 123
Mon Aug 21, 2017 12:39 am
Forum: Investing - Theory, News & General
Topic: 21 AUG 2017 solar eclipse's effect on volume of USA stock market trading
Replies: 14
Views: 2056

Re: 21 AUG 2017 solar eclipse's effect on volume of USA stock market trading

Let's hope there's no shady dealings in the markets due to the eclipse.
by 123
Sat Aug 19, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 152
Views: 12674

Re: Jobs that pay over $100,000

Being a financial adviser can be very lucrative.
by 123
Fri Aug 18, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Advice for Dad
Replies: 4
Views: 621

Re: Pension Advice for Dad

The lump sum alternative is probably recalculated each year based on the recipient's age and certain IRS interest rate calculations. If the interest rate curve is stable year after year the lump sum alternative would likely rise somewhat each year as the potential recipient gets older. However, if i...
by 123
Thu Aug 17, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: Tesla factory tours
Replies: 4
Views: 554

Re: Tesla factory tours

What's wrong with the jelly bean factory in Fairfield, CA - is it no longer trendy for 6th graders?
by 123
Thu Aug 17, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: question regarding life insurance purchase: online vs. real-life agent
Replies: 8
Views: 476

Re: question regarding life insurance purchase: online vs. real-life agent

You could call the mega insurance company involved and ask them. If you had a blood test there should be an underwriter involved there so they should have some record of the pending policy. Historically there have been instances of some gaps between independent insurance brokers and the companies th...
by 123
Thu Aug 17, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Best place to find jobs and how to know the pay/benefits before applying?
Replies: 22
Views: 1488

Re: Best place to find jobs and how to know the pay/benefits before applying?

If you look for jobs with governmental organizations, city, county, state, federal, etc (including associated schools/universities or hospitals) salaries are often readily available, all you have to do is call up and ask or do a little web searching. Sometimes you find a salary range that is signifi...
by 123
Wed Aug 16, 2017 12:25 am
Forum: Investing - Help with Personal Investments
Topic: Victor Mcclure, Financial Advisor in the Dallas Area
Replies: 6
Views: 873

Re: Victor Mcclure, Financial Advisor in the Dallas Area

FINRA has 2 disclosures on an individual with a similar name https://brokercheck.finra.org/individua ... resSection
Might be something to look into.
by 123
Tue Aug 15, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Postal Service -- "informed delivery"
Replies: 88
Views: 4934

Re: Postal Service -- "informed delivery"

I've noticed these advance mail delivery notifications at various times over the past few months on my usps.com account. I think they're useful. The one thing that would help would be an image of the package label instead of just the bar code and scanning history. On a package an image of the mailin...
by 123
Tue Aug 15, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 123
Views: 6560

Re: Is $9000 too much for a sectional sofa ?

I'm joining the chorus, $9000 is too too much. I suspect your designer may be adding in some overhead to the price as well. For fun you might want to see what other retailers in your area carry century furniture (www.centuryfurniture.com) and what kind of deal they might be open to. If you GC and de...
by 123
Tue Aug 15, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 45
Views: 3180

Re: What kind of hotel do you get on business travel?

My work has been is in banking/insurance/financial services so any out-of-town travel is usually to downtown financial centers. Megacorp usually has negotiated rates with Hyatt, Hilton, Ritz Carlton, etc in downtown areas so I don't mind business travel when the opportunity comes along. I once did a...
by 123
Mon Aug 14, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5309

Re: Plan for making child pay for part of college

I guess we're assuming that the child is not paying out of their personal savings (from allowance/gifts/inheritance) but is actually working to pay their share for college. I'd be tempted to have the child pay the first $1,000 annually and then add parental support, at whatever level is decided upon...
by 123
Sun Aug 13, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: Need advice on car power window switch work
Replies: 29
Views: 1208

Re: Need advice on car power window switch work

Check the website for Dorman products (www.dormanproducts.com) Dorman is an OEM that makes a number of automotive electrical componensts, including power window switches. I think Dorman makes the products but they are branded as Chevy, GM, Toyota etc. In many cases a replacement switch will be avail...
by 123
Fri Aug 11, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Why Worry About US Estate Tax for Non-Resident Aliens
Replies: 24
Views: 1603

Re: Why Worry About US Estate Tax for Non-Resident Aliens

There are simple rules, and procedures that could be used to enforce US Estate Tax rules for non-resident aliens. The custodians could require that all distributions of assets due to a death be documented with a death certificate. If the death certificate indicates a non-US place of birth there coul...
by 123
Fri Aug 11, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Do I really need a trust?
Replies: 48
Views: 3924

Re: Do I really need a trust?

Remember to do a California transfer on death deed form for both you and your wife. This will keep the home out of probate. As long as the kids are adults I don't think you need the trust. If probate avoidance is your only motivation for the trust I think you have everything covered. I'm not an est...
by 123
Fri Aug 11, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house as a student
Replies: 27
Views: 1344

Re: Buying a house as a student

If you buy real estate it can severely limit your work and career options upon graduation as well as potentially being a severe drain on your time and resources. Depending on changes in the real estate market you may have zero or negative equity in any real estate when you graduate. Simply said any ...
by 123
Thu Aug 10, 2017 9:15 pm
Forum: Investing - Theory, News & General
Topic: Investing In Water
Replies: 29
Views: 2528

Re: Investing In Water

I wonder if there is much of a chance that profits will evaporate?

Could there be a government price freeze?
by 123
Thu Aug 10, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Broker recommendations (Non USA person)
Replies: 3
Views: 421

Re: Broker recommendations

I think your biggest issue will be tax issues. Investments can be taxed differently by different countries and it's possible to really get surprised. What can seem to be a good idea under one tax system (i.e. the USA) may not be so good under an alternate tax system. Tax treaties may also come into ...
by 123
Wed Aug 09, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell a home to a friend's daughter?
Replies: 31
Views: 2970

Re: Should we sell a home to a friend's daughter?

As stated by others it would be a good idea to pay for a private appraisal to get an idea of it's value as a basis of negotiation. Make it clear that sale is "as is". It's not a good idea to discount the price too much to accommodate a friend/neighbor, there's a risk that if you sell it as a bargain...
by 123
Wed Aug 09, 2017 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Tempted by Active
Replies: 9
Views: 964

Re: Tempted by Active

Depending on your portfolio size you may want to designate a "play money" subset, money that you can accept a low return or a loss on, most folks seem to set it at 5%. Buy your active investments within that 5% limitation and you get the feel of active investment with no significant risk of adverse ...
by 123
Wed Aug 09, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 50
Views: 6396

Re: I pay $6K in rent. Am I an idiot for not buying?

Maybe the question should be whether you should actually pay $6K in rent? What are the alternatives? If you were to drop the required rent to $3K or $4K how much of a commute would you have? There are lots of folks in LA that don't pay $6K in rent. There are inexpensive places to live in LA, but you...
by 123
Tue Aug 08, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Group Universal Life
Replies: 23
Views: 1467

Re: Group Universal Life

If your separate existing term insurance coverage is for 20X earnings I would say that you don't need any additional insurance at this time.
by 123
Tue Aug 08, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Plan for Nanny
Replies: 7
Views: 1254

Re: Retirement Plan for Nanny

A SEP-IRA would probably be the most workable solution assuming you have no other employees. While it may be a comfort to you to provide a retirement plan for her, depending on her actual situation she may much prefer to have more available cash now. I suppose the middle ground would be to hold off ...
by 123
Mon Aug 07, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Grandparents Stock Gift for College
Replies: 18
Views: 1266

Re: Grandparents Stock Gift for College

To me the most effective way of dealing with the situation is to file tax returns for the child each year and use the funds in the UTMA to pay taxes due. The payment of taxes due would seem to be an legitimate need of the child and the withdrawal of funds from a UTMA to pay for the needs of the chil...
by 123
Mon Aug 07, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: beneficiaries
Replies: 14
Views: 1216

Re: beneficiaries

... How can any financial institution know that an account holder is deceased without first receiving the death certificate? As far as I know, it's the responsibility of the estate executor to notify the financial institutions and the beneficiaries that such and such person is deceased. ... There a...
by 123
Sun Aug 06, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Forced Early Retirement - Advice Sought
Replies: 32
Views: 4456

Re: Forced Early Retirement - Advice Sought

Have you considered selling the RV? Depending on its size/mileage it may be the kind of thing that's okay to have around while you're working to pay it off but which you might not consider acquiring once you're retired. How long have you had it and how much have you used it?
by 123
Sun Aug 06, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: New windows, Anderson 400 series vs. Simonton ProFinish
Replies: 2
Views: 498

Re: New windows, Anderson 400 series vs. Simonton ProFinish

We're out on the west coast. We used a combination of mostly Milgard windows and Andersen 400 patio doors. We used Milgard due to some cost savings/warranty benefits and contractor's preference versus other brands. We really liked the look of the Andersen 400 patio doors so went with those. We have ...
by 123
Sat Aug 05, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Manufacturers repairing/replacing out of warranty products for free
Replies: 15
Views: 1025

Re: Manufacturers repairing/replacing out of warranty products for free

Jags4186 wrote:Bed Bath and Beyond and Lands End will take pretty much anything back, in any time frame, with or without receipt, as long as they sell the item.
I've got some old Lands End stuff hanging in the closet that I was going to donate to Goodwill, good to know there's an alternative...
by 123
Sat Aug 05, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Manufacturers repairing/replacing out of warranty products for free
Replies: 15
Views: 1025

Re: Manufacturers repairing/replacing out of warranty products for free

In the days of CRT television sets I had a Zenith set that failed a year after the warranty expired. I was watching it one evening when I heard a crackle sound and then a large puff of smoke came out of the top of the set, like a small atomic bomb cloud in my living room. Since it wasn't that old I ...
by 123
Tue Aug 01, 2017 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: how can we ensure our modified adjusted gross income stays under 186k
Replies: 8
Views: 1364

Re: how can we ensure our modified adjusted gross income stays under 186k

If you think there is a chance you will be over the limit, you should wait until the following April to make your Roth contribution for the previous year. By that time you should have your tax return filled out. +1 Then you don't have to undo it. +1 For all my 30+ years of IRA contributions (tradit...
by 123
Tue Aug 01, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: buy private party used car - bank of america to exchange?
Replies: 8
Views: 813

Re: buy private party used car - bank of america to exchange?

If the buyer buys a cashier's check at the branch with the seller present and buyer immediately presents it to the seller and the seller immediately deposits it I think you'll be good as gold. I don't know if the bank would give the seller immediate complete credit for a personal check presented by ...
by 123
Tue Aug 01, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA: if known result, why complete?
Replies: 44
Views: 2631

Re: FAFSA: if known result, why complete?

Some schools require the completion of FAFSA for consideration of any school program. My youngest girl needed a completed FAFSA to be considered for merit based aid even though it was claimed that merit aid was not in any way based on financial need. I don't know, it was completed and she received ...
by 123
Mon Jul 31, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: Dinner plates that do not get so hot after microwaving?
Replies: 37
Views: 2731

Re: Dinner plates that do not get so hot after microwaving?

I use corelle plates. They're almost 20 years old and still awesome. Try putting less on the plate when you heat stuff up. The only part of my plate that gets really hot is the area that has food on top of it. The other parts are fine. +1 Some of ours are over 40 years old and still going strong. T...
by 123
Mon Jul 31, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Limited ADP 401K Options - Suggestions?
Replies: 4
Views: 263

Re: Limited ADP 401K Options - Suggestions?

I think the following fund would be a fine choice:

iShares S&P 500 Index Fund - Class A 0.36

You could probably treat it as the best available match for a Total Stock Market Fund. Sure it doesn't include a lot of small cap but over time the S&P 500 is a good alternative.
by 123
Sat Jul 29, 2017 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Printing out IRS transcript
Replies: 5
Views: 747

Re: Printing out IRS transcript

Or is the password related to accessing the printing function at the print shop your are using? Perhaps you should ask at the shop you are using if the password request is from their software.
by 123
Sat Jul 29, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: How much is a used 30" Wolf Gourmet range worth?
Replies: 7
Views: 1034

Re: How much is a used 30" Wolf Gourmet range worth?

My suggestion would be to use a counter top microwave instead of one over the stove. Find a suitable range hood to have installed over the stove instead of the microwave that was damaged. You may not get much for a used stove, even if it is a Wolf (though a dealer might be able to resell it for quit...
by 123
Sat Jul 29, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4225

Re: Wooden flooring in kitchen

As part of a remodel of an older home we removed the carpets and had beautiful hardwood underneath. Due to settling of the house the kitchen floor, which had been covered with linoleum was not level. The contractor completely removed the kitchen floor and installed new floor joists to provide for a ...
by 123
Fri Jul 28, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: How to remove a granite kitchen bar
Replies: 5
Views: 944

Re: How to remove a granite kitchen bar

It may be less expensive/easier to get a replacement piece of granite cut to size then to have the existing piece cut. If you can match the color/style a new piece may be able to be cut and finished to size off-site. Using a replacement piece would simplify removal of the old piece since you wouldn'...
by 123
Thu Jul 27, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Living on a boat in HI to save money
Replies: 17
Views: 2811

Re: Living on a boat in HI to save money

You can save money by living on a boat, but you're mostly saving money by living in a smaller space. It might not be possible to find a 200 sq. foot apartment (which is about comparable to a 35-40 ft boat in living space), but if he could, it's probably similar savings. You can't take it out fishin...
by 123
Thu Jul 27, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Using Profits for expenses
Replies: 5
Views: 503

Re: Using Profits for expenses

It is not necessary to wait until age 59 1/2 to withdraw funds from IRAs without tax penalty if you follow requirements. "There are exceptions to the 10% withdrawal penalty before reaching age 59 ½. One of them applies if you elect to "annuitize" your IRA. That doesn't mean that you m...
by 123
Wed Jul 26, 2017 1:04 am
Forum: Personal Consumer Issues
Topic: DIY Dishwasher Repairs
Replies: 9
Views: 844

Re: DIY Dishwasher Repairs

Congratulations to those that our doing their own dishwasher repairs. Before I had a spouse I was able to enjoy doing household repairs including the dishwasher. Current spouse can't tolerate any "do overs" in repairs, things that don't immediately work after a repair make the spouse very ...
by 123
Tue Jul 25, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 3718

Re: WiFi Thermostat?

When I was looking at Wi-Fi Thermostats awhile back I came across an interesting statement in the instructions/documentation. It said that though the manufacturer/vendor did not currently charge for access to the website/app that actually controlled the thermostat there was no guarantee that said fr...
by 123
Tue Jul 25, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Rhoombas, Home Mapping and Privacy
Replies: 15
Views: 1149

Re: Rhoombas, Home Mapping and Privacy

There really aren't many surprises on the insides of houses. If you look at the outside of the house you can gather a lot of information about the inside. If it's a tract house and a clone of it has been sold in the last 10 years there will likely be photos of the inside rooms on a realtor site some...