Search found 2390 matches

by 123
Wed Oct 18, 2017 9:42 pm
Forum: Investing - Theory, News & General
Topic: Office wants to pay dentist as contractor (sub-s). Any issues?
Replies: 16
Views: 945

Re: Office wants to pay dentist as contractor (sub-s). Any issues?

So how does dental malpractice insurance work in this situation? If a dentist is a contractor/self-employed do they have to provide for it themselves or if they are an employee does the employer provide it? Or is the individual dentist always personally liable with regard to malpractice whether he/s...
by 123
Tue Oct 17, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparents want to give to grandkids
Replies: 28
Views: 2126

Re: Grandparents want to give to grandkids

I don't want to come across as unappreciative but as someone who "paved" their own way without an inheritance along the way I feel that I have benefited tremendously relative to close friends who squabbled their inheritance and/or did not developer a proper work ethic in the real world. I am convin...
by 123
Tue Oct 17, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 6
Views: 623

Re: Portfolio advice

Will the USA remain your home for work and for retirement? You've got a retirement account in Australia and properties in India. While I don't have any immediate recommendation I would be concerned about doing backdoor Roths unless I knew what the tax consequences (including future) were in all of m...
by 123
Tue Oct 17, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparents want to give to grandkids
Replies: 28
Views: 2126

Re: Grandparents want to give to grandkids

We handled an identical situation by us (the parents) simply opening a separate segregated brokerage account for the grandparent contributions. Because the child was very young we invested it 100% in the Vanguard Total Stock Market. The grandparents contributed $10,000 a year (yes, I know the curren...
by 123
Mon Oct 16, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: How best to sell lot zoned for apartment?
Replies: 8
Views: 601

Re: How best to sell lot zoned for apartment?

Are any of adjacent properties vacant or have possible "tear down" potential? If that's the case some kind of co-operative deal with an adjacent property owner could increase the value of your property because of various efficiencies a developer could realize if a larger project was possible.
by 123
Mon Oct 16, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Another Pension Lump Sum Help Needed
Replies: 9
Views: 902

Re: Another Pension Lump Sum Help Needed

Is the buyout $ 138,400 the buyout amount available now at your age age 45 or the anticipated buyout at age 65 (based on current rates)?
by 123
Mon Oct 16, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: How to learn about financial statement analysis?
Replies: 17
Views: 1181

Re: How to learn about financial statement analysis?

My school major was business so I had plenty of accounting/finance classes. The best way to learn is to take accounting courses at a junior college, college, or university. You might look to see what is available at one of the free online "universities" liked coursera.org If you self-motivated, and ...
by 123
Mon Oct 16, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Do you guys use a Fiduciary? If so, recommendations? [US ex-pat]
Replies: 1
Views: 154

Re: Do you guys use a Fiduciary? If so, recommendations? [US ex-pat]

I think you're going to need the equivalent of a "CPA" in whatever country you expect your company to be resident within. You may need to contact one of the "Big Four" accounting firms for guidance if tax laws or financial regulations of more then one country will impact your enterprise. Their guida...
by 123
Mon Oct 16, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 48
Views: 4171

Re: Trash dumped on curb (need advice)

Your first point of contact should be the HOA.
by 123
Sun Oct 15, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: First Post (gulp) - Request for Advice on selling inherited home
Replies: 20
Views: 1535

Re: First Post (gulp) - Request for Advice on selling inherited home

Been through this a couple of times over the years due to deaths of relatives. Consider selling the house "as is" and leave appliances and furniture you don't want in it. That will reduce the amount of stuff you have to remove. In going through personal goods think critically, if there's little chan...
by 123
Sun Oct 15, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 26
Views: 1398

Re: Opinions on bicycle disc brakes?

When I bought a new bike 2 years ago I was initially planning to be one with disc brakes. It seemed like since they provided allegedly better braking it was a safety issue and it was another good reason to buy a new bike since my old bike lacked them. But then I started to look at the maintenance is...
by 123
Sun Oct 15, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 1774

Re: contributing to friend's non-profit?

If you weren't invited to the gala would you be miffed that he didn't think highly enough of you? Invites probably went to everyone on the friend's email list, standard practice if you need to "make rain".
by 123
Sun Oct 15, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: 1099R-3 of them for the same plan
Replies: 4
Views: 201

Re: 1099R-3 of them for the same plan

I think there's a code box on the form that says what kind of distribution it is. If it's coded as a rollover/transfer you can have multiples and it's really not an issue.
by 123
Sat Oct 14, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 5333

Re: Blue collar (or other) roots and your path to financial independence. Steps and tips for others?

I had an aunt and uncle who accumulated $1M by the time they were 80 a few years ago (I helped them handle their accounts and did their taxes). Neither one of them went beyond the 8th grade. They retired when they were each 62. They did not participate in any 401K, workplace savings, or IRA programs...
by 123
Sat Oct 14, 2017 1:05 am
Forum: Personal Consumer Issues
Topic: Anyone Ever Jackhammered a Concrete Patio?
Replies: 27
Views: 1563

Re: Anyone Ever Jackhammered a Concrete Patio?

There can be surprises when you remove an old slab. I had a uncle who had a patio slab removed. The slab was probably from the 1960's. While the slab was not a problem in an of itself but what drove the costs and hassle up was the old construction debris (think various kinds of pipe, metal, and brok...
by 123
Fri Oct 13, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Sabbatical Money
Replies: 6
Views: 860

Re: Sabbatical Money

... For what it is worth, I have never saved separately for sabbaticals (or anything else) and, depending on what you want to count as a sabbatical, I have taken at least 3 in my 18 years in the workforce - not one was planned 5 years in advance. +1 I've had a similar experience. I've never segrega...
by 123
Fri Oct 13, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 91
Views: 6519

Re: anyone else not liking the new cars?

I would fire the design engineer that did the fronts of the new Toyotas and Lexus... +1 I have been wanting to buy a new Toyota for 2 or 3 years now but the front grills totally turn me off as well. I've had Toyotas for over 15 years without any problems so I have a high level of brand loyalty. I'm...
by 123
Fri Oct 13, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Father passed away - what to do with fund accounts
Replies: 7
Views: 1115

Re: Father passed away - what to do with fund accounts

Sorry for your loss. Based on the identifications of the funds you provided I would suspect there is a high likelihood that a "financial adviser" of some type is involved. There may be an standard assets under management (AUM) fee being paid to someone. Many bogleheads move away from AUM accounts so...
by 123
Fri Oct 13, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Can I fund my dad's taxable account?
Replies: 10
Views: 945

Re: Can I fund my dad's taxable account?

Sometimes it helpful for a parent and child to have a joint account to facilitate financial transactions, except in circumstances where that interferes with estate planning. For example if a parent was married and a child instead of the spouse was a joint owner of the account those assets would be g...
by 123
Fri Oct 13, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Can I fund my dad's taxable account?
Replies: 10
Views: 945

Re: Can I fund my dad's taxable account?

He has to be the one that opens the account but once the account is open you can send in deposits to it. You can gift him up to $14,000 a year without raising gift/estate tax issues. It's probably easier to send in check deposits. If the ownership of the sending and receiving accounts is different f...
by 123
Fri Oct 13, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Voluntary Corporate Action Tendered Offer Wal-Mart questions
Replies: 8
Views: 588

Re: Voluntary Corporate Action Tendered Offer Wal-Mart questions

Given that it's such a small portion of your portfolio I would hold onto it, if you've got other comparable small fixed income positions. If this is somewhat of an orphan holding I'd be real tempted to sell at the premium available for the purpose of simplification.
by 123
Thu Oct 12, 2017 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard make sense without a computer ?
Replies: 22
Views: 2261

Re: Does Vanguard make sense without a computer ?

Vanguard works just as well without a computer. Phone and snail mail are still valid options.
by 123
Thu Oct 12, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Tracing House Wiring
Replies: 10
Views: 763

Re: Tracing House Wiring

For starters, to get a rough idea, turns the lights on throughout the house, spread the table lamps around so there is one in an outlet in every room. Turn all the breakers off and then turn them on one at a time. See what lights each breaker connects with. Test the outlets in each room to see how f...
by 123
Thu Oct 12, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2345

Re: Going First Class

Back in the days before the internet when there were travel agents everywhere I remember one time I went to a travel agent to purchase a ticket for a plane reservation I had made over the phone. At the next desk an elderly woman was purchasing a ticket for her grandson to use to visit her during an ...
by 123
Thu Oct 12, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2345

Re: Going First Class

The only First Class thing we regularly buy is stamps.
by 123
Wed Oct 11, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2306

Re: cash and landlines in disasters

I've had doubts about the resilience of landline communications for awhile. POTS is only POTS as far as POTS goes. When my POTS gets connected in a switching center to "modern" equipment I likely lose the reliability I have know to rely upon from POTS.
by 123
Wed Oct 11, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: GA film tax credits problem
Replies: 8
Views: 719

Re: GA film tax credits problem

The easiest resolution is likely for you to "Return" the securities to the seller and for the seller to refund your payment. It would seem that the securities you received were not as they were represented if they did not perform as expected with regard to the DOR. Get your money back and move on.
by 123
Tue Oct 10, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: How are social security survivor benefits calculated?
Replies: 3
Views: 519

Re: How are social security survivor benefits calculated?

Survivors benefits are calculated based on the age of the deceased worker. Benefits are determined using a formula based on so many years of earnings. For regular retirement benefits at age 62 the highest 35 years of earnings are used to calculated. If the worker passed away before age 62 fewer year...
by 123
Tue Oct 10, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3627

Re: Wifi Thermostat

I got really turned-off to Wifi thermostats when I read the terms and conditions connected with one version awhile back. The wifi service in that instance required an account on a server operated by the manufacturer. The T&C said that while the service was currently provided without charge there was...
by 123
Tue Oct 10, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2275

Re: Best weight loss resources?

The more you think about the simple phrase "You are what you eat" the easier the whole process becomes. You might not want to be like a potato or a pig/cow so everything in moderation.
by 123
Tue Oct 10, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Does anybody read the Medicare and You booklet?
Replies: 16
Views: 909

Re: Does anybody read the Medicare and You booklet?

We've got some older relatives on Medicare and have found the annual Medicare booklets (for their Medicare plan provided by their state pensions) they receive to be pretty helpful. Like a lot of references it's sometimes hard to appreciate unless you're looking up a particular issue. Otherwise they ...
by 123
Tue Oct 10, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with simplifying my accounts
Replies: 8
Views: 477

Re: Please help with simplifying my accounts

I'm just curious about your Schwab account. It has 5% of your assets and you pay .5% to have it managed. If you seem to managing the 95% of your investments okay why do you have 5% managed by Schwab? Or is the Schwab management thing an experiment?
by 123
Tue Oct 10, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3627

Re: Wifi Thermostat

One of the first things to consider is how many wires (and their colors) your current thermostat uses versus your expected replacement. With the manufacturer and model number of your existing model you can likely find installation instructions on the web. Those will likely tell you how many wires th...
by 123
Mon Oct 09, 2017 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Made a career mistake- advice/next steps
Replies: 35
Views: 5567

Re: Made a career mistake- advice/next steps

Yes it's time to start looking. There's no reason to have to sit in the "penalty box" when there may be other suitable opportunities. When asked about the reason for leaving so soon I would simply say that the job/responsibilities didn't turn out the way it had been described. That's accurate, hones...
by 123
Mon Oct 09, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3030

Re: My Son is buying a 2017 Toyota RAV 4

After driving clunkers in college I bought my first new car six months after I got my first real full-time job. It was easy to pay cash since I saved over 50% of each paycheck. Even back then I was exhibiting Boglehead tendencies. I was looking for reliable basic transportation. After reading Consum...
by 123
Mon Oct 09, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 55
Views: 4101

Re: WiFi

A few months back I bought a NETGEAR AC750 WiFi Range Extender (EX3700-100NAS), about $40 on Amazon. I plugged it in about 20 feet away from our primary router/wi-fi. It seems to help with coverage in some back rooms of our home that were "iffy" before. I had thought about replacing our router with ...
by 123
Mon Oct 09, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with estate with no liquid assets and a house?
Replies: 17
Views: 1254

Re: How to deal with estate with no liquid assets and a house?

Why not just sell it like it is, pay the debts from the proceeds and distribute the balance? Gill +1 This is the most practical solution. Even some minor repairs/upgrades to a home that has to be sold as part of an estate settlement seem to take a significant amount of time and effort and often cau...
by 123
Sun Oct 08, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1798

Re: Chase credit card question

Re: ordering credit reports, do the reports contain SSN and account numbers? I'd hate for that information to be sent through the mail. Can the reports be viewed securely online as an option? The last time I got my credit report it was either immediately on-line or immediately emailed (I don't reme...
by 123
Sun Oct 08, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1798

Re: Chase credit card question

The hypothetical person could request a free copy of one (or all) of his credit reports and see if they list the credit card as a liability for him.
by 123
Sun Oct 08, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Change for a $20 requires ID!!
Replies: 22
Views: 2274

Re: Change for a $20 requires ID!!

But do they know how to tell if the ID is fake?
by 123
Sun Oct 08, 2017 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Credit Freezes and Deceased Persons
Replies: 7
Views: 816

Re: Credit Freezes and Deceased Persons

If credit bureaus are aware of a death one would hope that would mean that they do not include the deceased's name and last known address in marketing promotions by credit card companies. That kind of junk mail can be annoying/disturbing to surviving family members. The former owner of our residence...
by 123
Sat Oct 07, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1238

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

I had the exact same thing happen when I bought a dishwasher online from Best Buy about 3 months ago for about $800 total. I only buy stuff from Best Buy every year or two and probably use different credit cards each time. Credit card was denied so I went to my bank's site and saw the alert. I click...
by 123
Sat Oct 07, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5701

Re: Roof shingles do not match - Neighbor sent notice

If your neighbor with whom you share the roof does not like the replacement shingle color you should tell him/her that your contractor did the best that he could but if the neighbor would prefer to have the entire shared roof re-shingled at his expense so that it will all match that is okay with you.
by 123
Fri Oct 06, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freezes and Deceased Persons
Replies: 7
Views: 816

Re: Credit Freezes and Deceased Persons

Just send a copy of the death certificate of the deceased to the credit bureaus and don't worry about it any longer.
by 123
Fri Oct 06, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Selling burial plots in Alabama
Replies: 14
Views: 1077

Re: Selling burial plots in Alabama

To compete against the cemetery's own inventory of lots it could be important to be aware of the cemetery's commission structure (if any) to their salespeople. If a counselor/salesperson can make more selling your lots (as a commission) then from the cemetery's own inventory they may be more incline...
by 123
Fri Oct 06, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time to jump off the ship (career question)
Replies: 10
Views: 1715

Re: Is it time to jump off the ship (career question)

I agree that your "dislikes" aren't particularly unusual, you'll find those types of conditions in lots of places, big or small. You've only been there two years so it might be time to consider options. It's not clear that you would be losing anything if you moved onward. Have no doubt that the owne...
by 123
Fri Oct 06, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 71
Views: 5447

Re: Pension Freeze - What did you do?

Some organizations do pension freezes to encourage a higher level of attrition, often primarily older workers. It's easier if people leave on their own without any layoffs. They aren't doing it to benefit employees.
by 123
Fri Oct 06, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Medicare versus Medicare Advantage for 2018
Replies: 19
Views: 1845

Re: Medicare versus Medicare Advantage for 2018

If you have an established relationship with a doctor and you wish to try to keep it you should see what plans he participates in and consider your choices from that aspect. If you don't need to keep the same doctor you will have more options. A primary thing to consider is whether any existing heal...
by 123
Thu Oct 05, 2017 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11073

Re: Millionaire Next Door (Thank you Bogleheads)

... We are very private people and to share this with others in the family or friends would be asking for trouble. The looks (we don't "fit" the millionaire myth.) Also the jealously, guilt trips etc. is not worth the pain it may cause. ... +1 This is the best way to handle your situation. When we ...
by 123
Thu Oct 05, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Moving from Northern California to New Ipswich New Hampshire.
Replies: 10
Views: 1414

Re: Moving from Northern California to New Ipswich New Hampshire.

Don't rush out to buy property if you've been away for many years. Rent/lease for a year to get your current bearings on the areas and find what appeals to you now. Real estate mistakes are expensive.