Search found 248 matches

by Church Lady
Thu Jul 20, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Cost-basis and Keeping Track Capital Gains Mutual Funds
Replies: 3
Views: 274

Re: Cost-basis and Keeping Track Capital Gains Mutual Funds

By law, a broker must report your basis to you and to the IRS when you sell an investment purchased within (If I recall correctly) the past three years. Therefore, you are fine with respect to the S&p 500 ETF, which I presume is what you are talking about. For an S&P 50 mutual fund, good loo...
by Church Lady
Thu Jul 13, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: Healthy smoothie ideas
Replies: 18
Views: 1377

Re: Healthy smoothie ideas

Besides the greens suggested elsewhere, consider romaine lettuce. It has a mild flavor and decent nutrition. Parsley, cilantro, basil, and mint are good, too. I like parsley blended into dairy or almond milk. Just parsley and milk. Cilantro and milk. Drink your greens! It's a good way to use up the ...
by Church Lady
Thu Jul 13, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 74
Views: 7288

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

you would think they would take steps to protect their employee's information but they didn't exactly do that when asking for salary history in front of a person I would be working alongside. Are you sure you want to work for these people? What else will they divulge inappropriately? If you need th...
by Church Lady
Thu Jul 13, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity on the Cutting Edge! Or Big Brother is coming. Dunno
Replies: 6
Views: 1013

Re: Fidelity on the Cutting Edge! Or Big Brother is coming. Dunno

The last time I called Fido, they asked if they could use voice recognition in future. After asking a few questions about it (what if I have a cold, and so forth), I agreed. I thought I would have to say a certain phrase ("At Fidelity, my voice is my password"), but they said NO they had a...
by Church Lady
Thu Jul 13, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 3586

Re: Hotel tipping: how much to leave?

As a rule, we never tip. We don't mess things up that much, and figure it's part of what we're paying for.

Once, however, we left the room a veritable pigsty. We were embarrassed about it, so we searched for the maid who would clean the room and tipped her $10 in advance.
by Church Lady
Thu Jul 13, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6092

Re: Cheap eggs... how bad?

Interesting. I saw eggs 74 cents/doz in the store today, but didn't get them because had I bought two dozen at 79 cents/doz earlier this week at another store.

I put it down to chickens laying a lot of eggs on the longest days of the year.
by Church Lady
Tue Jul 11, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: Donation to Church for wedding?
Replies: 28
Views: 1942

Re: Donation to Church for wedding?

Call the church secretary and ask what is customary for your parish.

Congratulations on your wedding!
by Church Lady
Tue Jul 11, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Look at REITS as bonds for my aa?
Replies: 4
Views: 236

Re: Look at REITS as bonds for my aa?

For what it is worth, when I use the analysis tool provided by my broker, it classifies my lonely health care REIT as 'equity'.
by Church Lady
Tue May 30, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis question: when you don't know it.
Replies: 49
Views: 10133

Re: Cost basis question: when you don't know it.

Think about this, is the date the donor "inherits" this stock his basis? When would it not be? Just think about the numbers and don't focus on the idea of inheritance. Just use the algorithm to get the cost on this past date that TurboTax uses. Think about this. Instead of misleading OP b...
by Church Lady
Mon May 29, 2017 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis question: when you don't know it.
Replies: 49
Views: 10133

Re: Cost basis question: when you don't know it.

My knee jerk reaction was no, but on second thought, what if you put in the estimated date the donor received the stock as the inherited date? Would you break TurboTax if the date predated the IPO? No, no! In the eyes of the IRS, inherited stock is not the same as gifted stock. The rules for inheri...
by Church Lady
Fri May 26, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Stock - Apple & Pharmaceutical
Replies: 22
Views: 1936

Re: Individual Stock - Apple & Pharmaceutical

In my opinion, 7% is not too much to hold of a single stock, because you are otherwise diversified through your funds, because your income is such that if both of these stocks dropped to zero it would have no impact on your lifestyle, and because you are saving enough to where these stocks, over tim...
by Church Lady
Mon May 22, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 25
Views: 3439

Re: How to buy (or invest) into Bitcoin?

I don't think there are any bitcoin ETFs at the moment. https://www.zacks.com/stock/news/260445/will-we-finally-see-a-bitcoin-etf Are you sure you want to enable and facilitate this sort of thing: https://en.wikipedia.org/wiki/Bitcoin_network#Criminal_activity Criminal activity The use of bitcoin by...
by Church Lady
Mon May 22, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Question about buying bonds in Roth IRA
Replies: 7
Views: 521

Re: Question about buying bonds in Roth IRA

$825 into bonds ... or buying individual bonds? You probably don't want to buy individual bonds with that amount of money. Maybe you could get new issues commission free, but otherwise the trading fees will eat your principle. buying a mutual fund with municipal bonds Municipal bonds nearly always ...
by Church Lady
Tue May 16, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 44
Views: 3731

Re: How much to tip movers?

I am puzzled by the thought you have to tip movers. I am in the process of setting up a move now. If they agree to load my truck for, say, $75/hour, surely they agree to that because they perceive the rate as fair? By the way, interesting puzzle. Going rate seems to be $300 to load the truck; $700 t...
by Church Lady
Mon May 15, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 48
Views: 4997

Doctor wants Social Security number

A friend just visited the doctor and was asked to fill out paperwork (of course!). One of the items requested was this person's Social Security number. I can't say I remember my doctor asking for that. That's not to say it didn't happen; just that I have no memory of it. :oops: A dentist once reques...
by Church Lady
Mon May 08, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 7975

Re: Stay home with kids?

It sounds to me like you enjoy work, and might resent giving that up to stay at home. You're making a lot of money. A lot of money. You might be in the enviable position of being able to have both career and kids. How about full time nanny, and a maid for the grunt work, so the time you do spend wit...
by Church Lady
Mon May 08, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage firms don't keep track of past IRA contributions??
Replies: 10
Views: 1091

Re: Brokerage firms don't keep track of past IRA contributions??

I was expecting contributions number to be displayed on my account webpage everyday. You've had an account there for ten years, and now you notice there's no running total of contributions? :?: I guess you're no fan of checking your accounts on-line. You might want to get into that habit so you kno...
by Church Lady
Mon May 08, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable instead of Maxing 401(k)
Replies: 26
Views: 2173

Re: Taxable instead of Maxing 401(k)

OP, I am maxing out my Roth 401K contributions this year. I expect to be in a low bracket. Only about 6% of my savings are in Roth accounts, and I am trying to gain tax policy diversification. Consider these possible futures: tax rates drop: t401K accounts are the winner. tax rates rise: Roth accoun...
by Church Lady
Thu May 04, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: Mail Order Pharmacy for my Mom?
Replies: 39
Views: 1909

Re: Mail Order Pharmacy for my Mom?

One more thing. At my retail pharmacy, if I have a question about a prescription, the pharmacist is right there. Most of the time, I only need wait a minute. Will mail order provide a pharmacist to answer questions for you? (I never tried this).
by Church Lady
Wed May 03, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Buying a "share" of a house
Replies: 47
Views: 3424

Re: Buying a "share" of a house

It would be far simpler for you to buy the house outright and rent it back to your parents. Then they could get the 'Landlord' to fix all the things in the house that don't work. :D Assuming your parents don't go hog wild with the cash, you'll get 1/3 back when you inherit. And if they do go hog wil...
by Church Lady
Wed May 03, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Mail Order Pharmacy for my Mom?
Replies: 39
Views: 1909

Re: Mail Order Pharmacy for my Mom?

I used to use a mail order pharmacy, but discovered a problem with the concept. Some Rx's have a somewhat narrow temperature storage range. In the winter, it may get very cold, and in the summer, it may get very hot in the back of a mail truck. +1 Not only that, but the mail man left the package on...
by Church Lady
Wed May 03, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Ready to consolidate at Fidelity -- any gotchas about transfers?
Replies: 23
Views: 2262

Re: Ready to consolidate at Fidelity -- any gotchas about transfers?

One comment about not having one custodian as they would know total assets -- is that a big concern? I figured that as long as the total amount was insured, then there would be no issues only using one custodian. Well, if someone hacks into your account and takes it all, you'd be broke, wouldn't yo...
by Church Lady
Mon May 01, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Are we all forgetting our taxable accounts?
Replies: 79
Views: 10170

Re: Are we all forgetting our taxable accounts?

when you invest in taxable, you pay income taxes before you get your wages and then invest that money and pay capital gains this times. so you pay taxes twice income plus capital gains taxes. am i wrong? You pay income tax once. Then you invest. If you get a dividend, you pay taxes on the dividends...
by Church Lady
Mon May 01, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Recs for moisturizer w sunscreen please.
Replies: 15
Views: 1486

Re: Recs for moisturizer w sunscreen please.

Go onto Ratzilla and purchase one with a PPD rating of ++++ or better. Asian sunscreens are better than American sunscreens. European sunscreens even better. There is some debate about the need to expose your body to the sun, but our face is a different story. Read up on Tinosorb. PS - When I say b...
by Church Lady
Mon May 01, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 7384

Re: Does Retirement Planning impact your job performance?

DIY retirement takes *time* to plan. DIY investing takes time to do. Definitely a productivity impact from time alone. If you are combining retirement with a move, the problem is compounded
by Church Lady
Fri Apr 28, 2017 12:42 am
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 3645

Re: co-worker had a baby, chipping in on gift- how much?

I don't know what your office does, how well you know each other, or what everyone makes, or how often they ask you to chip in. But, $20 seems steep to me. In my office, the typical contribution is $1 from the peons, and $5 from the higher ranking (better paid) staff. I know because we use an office...
by Church Lady
Wed Apr 26, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Basic questions about selling stocks...
Replies: 7
Views: 799

Re: Basic questions about selling stocks...

I don't know if I should do a market order or a limit order. I also am not sure about the "Time in Force" (I'm thinking either Day or Good til Cancelled). Always, always, always use a limit order. A market order says you are willing to take any price bid. If you are so naive as to offer t...
by Church Lady
Wed Apr 26, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: interesting things to see/do in Victoria and Vancouver, Canada
Replies: 19
Views: 1437

Re: interesting things to see/do in Victoria and Vancouver, Canada

Capilano Suspension Bridge ... I did this many years ago. It is quite high above a ravine and swings and sways (as it is designed to do). When we were there, a group of school kids on the bridge were trying to make it sway as much as possible. In fact they were swaying the bridge so much, a member o...
by Church Lady
Thu Apr 20, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: When does it make sense to start paying down (or off) a low rate mortgage?
Replies: 53
Views: 5654

Re: When does it make sense to start paying down (or off) a low rate mortgage?

I will probably carry my 3% mortgage into retirement -- about ten years to pay off if I let the mortgage it run its course. The after tax rate is a little more than 2%. If I felt I couldn't beat a 2% after tax return on my savings/investments, it would be time to pay off the mortgage. That's a prett...
by Church Lady
Wed Apr 19, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Adult child lack of availability at tax time.
Replies: 24
Views: 2147

Re: Adult child lack of availability at tax time.

If it is the 1099's you have received, remember it is possible he simply looked up the 1099 information online and has already filed on his own.
by Church Lady
Wed Apr 19, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: Transfer to Fidelity for Sign on Bonus?
Replies: 35
Views: 3736

Re: Transfer to Fidelity for Sign on Bonus?

Just be careful to read the fine print. Here is a sample offer (this may or may not be to your offer): This offer is valid for new or existing Fidelity customers. In order to receive the cash bonus, you must designate an existing eligible Fidelity brokerage IRA or brokerage account or open and fund ...
by Church Lady
Tue Apr 18, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes- okay to just drop in the mail today??
Replies: 29
Views: 3362

Re: Taxes- okay to just drop in the mail today??

Accountants are notorious for finishing up at the last minute. I have two siblings running their own businesses, and they complain EVERY YEAR about procrastinating accountants. The trouble with leaving your return in your letter box for the post(wo)man to pick up is that anyone on the street has acc...
by Church Lady
Fri Apr 14, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Where to find business appropriate clothing [womens small sizes]
Replies: 8
Views: 902

Re: Where to find business appropriate clothing [womens small sizes]

Could you tell us which stores would look good to you if only the sizes were appropriate? 'Big' is pretty vague. Could you fix it with a professional alteration? For example, take in a waistline? Do you know a seamstress who can copy a garment you like? You could try web sites that market to Asian w...
by Church Lady
Tue Apr 11, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for my divorced mother (not sure to sell/not sell house)
Replies: 32
Views: 2614

Re: Advice for my divorced mother (not sure to sell/not sell house)

$12,574 (mortgage); Property Tax ($12,857); HO Insurance ($3,900); Cable (3360); Oil ($4,482); Electric ($2,299); Water/Sewer ($786); Phone ($720); Cleaning of property ($2,400); Advertising of property ($520); Storage rental ($1560); Snow & Lawn ($1945); Trash ($920); Maintenance ($1,900); My ...
by Church Lady
Tue Apr 11, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: That second Visa card
Replies: 25
Views: 2135

That second Visa card

This forum has suggested it would be wise to get a second general purpose credit card. That way, I wouldn't be stuck without a credit card should something happen to my one and only general purpose card, a Visa card sponsored by my Credit Union. I went to bankrate.com to see what was on offer. Visa ...
by Church Lady
Fri Apr 07, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 7196

Re: Secretly entered two comma club

Congratulations, Easy Rhino, Personally, I don't count home equity for anything in my personal family balance sheet. I can't get it easily. It is stuck money. It can also evaporate, should the housing market collapse. Besides, I have to live somewhere, so if I sell this house I need to buy or rent ...
by Church Lady
Wed Apr 05, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 2355

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

Thanks, everybody, for all your insights. I am grateful for all your comments! I will definitely go with insured persons. I have to price everything out to decide if my stuff is worth moving or not, or whether I would save money by tossing/donating all my stuff and replacing it at my destination. Bu...
by Church Lady
Tue Apr 04, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 2988

Re: Buying House with Odor (not cigarette)

"It makes that person's breathing feel slightly tight" - how in the world could anyone consider buying this house?

+1
by Church Lady
Tue Apr 04, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Tax question: Converting Single Stocks in Taxable account to Index Funds
Replies: 9
Views: 806

Re: Tax question: Converting Single Stocks in Taxable account to Index Funds

Part 1: Basis Fidelity has always tracked basis of each of my stocks in my taxable account for me, even before it was required by law. Log into your account and look at your positions. If they show 'total gain/loss' and have 'tax lots', you're good. Fidelity has been tracking your basis. If it were ...
by Church Lady
Tue Apr 04, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 2355

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

In my younger, stronger days with access to a variety of trucks, I would never entertain moving anything of value myself or with friends. Hiring insured movers is the only way to go. (Unless you have a bunch of knocked around junk.) Good point. Are you referring to full service movers, or persons h...
by Church Lady
Tue Apr 04, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 2355

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

I thank those persons who suggested tossing/donating everything rather than moving. Of course, this is an option, and I have thought about it. Certain things I would feel obliged to replace at the destination. My thought is to get moving estimates and compare that to the cost of toss/donate/buy new ...
by Church Lady
Tue Apr 04, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 2355

Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

Given that I am unable and unwilling to tote furniture down 2 flights of stairs, what's the most economical way to move from one state to another? I do not feel comfortable asking my friends to carry heavy stuff down 2 flights of stairs, so that's out. We're not up to it, believe me! Of course there...
by Church Lady
Tue Apr 04, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 6024

Re: Early retirees - how did you inform your loved ones and friends?

Wow, my experience has been very different. My family has been nagging me to retire, and giving me "advice" about it. It looks like it will happen for me in 2017. I see no reason to keep it secret from my family. I'm more worried about telling my colleagues. I have told my boss, and I have...
by Church Lady
Mon Apr 03, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 7686

Re: Is anyone decreasing % of bonds this year?

OP, I am approaching the distribution (spending) phase. I use short durations and my 401K stable value fund for my bond allocation. If stocks go 'on sale', I'd probably sell some fixed income to buy stocks.
by Church Lady
Thu Mar 30, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 12190

Re: When do you plan to die?

For planning purposes, I've always used 100. It is a nice, round number, and quite a few planners only go to 100 (or 99, which I figure is close enough).

Not that I expect to live to age 100.
by Church Lady
Wed Mar 29, 2017 5:00 pm
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 78
Views: 5252

Re: anyone factor in future inheritance?

Certainly not. It's too morbid to consider.
by Church Lady
Wed Mar 29, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 102
Views: 4864

Re: What's your personal criteria for deciding whether or not to rent a car?

On long road trips, we always rent and buy insurance at the rental counter. I'm not sure why that tradition got started; probably due to someone's old, undependable vehicle. It does have its advantages. - It is obvious what each person's share of the cost is. We have no interest in quibbling over wh...
by Church Lady
Tue Mar 28, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Chores for elementary school age kids?
Replies: 18
Views: 1539

Re: Chores for elementary school age kids?

- They are not too young for hand washing and drying dishes, cleaning the sink. It was routine for me by age eight. If only everything could go into the dw! - I was ironing flat, easy items in the first grade! Your kids can, too! - They are not too young to start cleaning the bathroom. - Dusting all...
by Church Lady
Tue Mar 21, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 20065

Re: gratuitous homeownership items

My house had a fish pond which was great fun for a couple years. I didn't mind caring for it, but maintaining a fish pond is an art unsuited to persons with full time jobs. It started looking like something from a horror movie! It's gone now, and I won't be getting another one. I use my full size ov...
by Church Lady
Mon Mar 20, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 13343

Re: Paying $20 to E-File State Return

Since I've used regular mail, I don't have any proof of anything.


So send it 'return receipt requested'. It costs less than $3 to do so.

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