Search found 237 matches

by Church Lady
Mon May 22, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 21
Views: 2450

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: 404

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: 3327

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: 4499

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: 7219

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: 1014

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: 2033

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: 1668

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: 3130

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: 1668

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: 2074

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: 9641

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: 1315

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: 6909

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: 3233

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: 723

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: 1234

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: 5311

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: 2011

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: 3293

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: 3172

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: 828

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: 2481

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: 2002

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: 7005

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: 2128

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: 2848

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: 753

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: 2128

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: 2128

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: 2128

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: 5740

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: 7280

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: 11025

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: 4899

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: 4398

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: 1420

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: 18843

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: 12932

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.
by Church Lady
Sun Mar 19, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Valspar mix Reserve and Optimus
Replies: 2
Views: 278

Valspar mix Reserve and Optimus

I notice Ace hardware has sale on Valspar Optimus, buy 2 get 1. I started my project with Valpar Reserve. What are the implications of switching to another grade? Should I do it?
by Church Lady
Mon Mar 06, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you drop life and disability insurance?
Replies: 56
Views: 3799

Re: At what age did you drop life and disability insurance?

I thought about dropping disability last year. Money coach (an employee benefit) said the policy was so cheap, I should hold on to it. I get great group rates and doubt the advice would be the same if I were paying full price. YMMV.
by Church Lady
Mon Mar 06, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Getting old and need advice on retirement goal & planning
Replies: 17
Views: 1645

Re: Getting old and need advice on retirement goal & planning

least $120k to spend monthly


Do you really mean monthly? That, and bumping your question to the top of the list.
by Church Lady
Fri Mar 03, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: When & how much to donate?
Replies: 94
Views: 5458

Re: When & how much to donate?

Anonymous giving: My employer sponsors a charitable giving campaign which I can donate to through payroll deduction. I have been doing this over 30 years. As far as I can tell, my name has never been sold to anyone by this charitable campaign. We have a week long campaign at work every year, but I n...
by Church Lady
Fri Feb 24, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 123
Views: 8685

Re: BH thoughts on Time shares

To the OP, whose question is getting lost in the shuffle ... Even with absolute certainty that you will refuse the timeshare, the free stuff is not a good deal. If I fly myself to Cancun or Hawaii or Orlando, my cost per hour of just being there is pretty high. Think a minute about air fare, lodging...
by Church Lady
Wed Feb 15, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 4154

Re: How do you handle switching your handbag?

Like GerryL, I really like Baggallinis. I have several of them in a size that will fit into a large purse , but can also be worn cross body if I'm shopping or just walking around. There is room for all my credit cards, ID, lip gloss, Chapstick, medical cards, some cash, and I can fit my phone and k...
by Church Lady
Wed Feb 15, 2017 1:54 am
Forum: Investing - Theory, News & General
Topic: Planning for Retirement: Why do it the recommended way?
Replies: 26
Views: 2801

Re: Planning for Retirement: Why do it the recommended way?

Also, one reason to fund a Roth instead of a 401k is because a Roth can double as an emergency fund during the early part of your accumulation phase, since you can withdraw the principal without penalty or taxes (one would hope you don't have to withdraw these funds, of course). So Roth investment ...
by Church Lady
Wed Feb 15, 2017 1:32 am
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 4154

Re: How do you handle switching your handbag?

I would not say you are lazy; just practical. I have to store my bags, and that's a nuisance. Because I am well supplied with hand bags, I rotate them with the seasons. I switched out of my Christmas bag into a leather hand bag for Winter. When Spring comes, I'll probably swap the leather one for so...
by Church Lady
Wed Feb 15, 2017 12:34 am
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 9284

Re: -$280k Net Worth Has Me Up At Night

" we currently save 26% of post-tax income. " To help you sleep better ,start applying some of "that " to This :mrgreen: "Debt: Rental Property: $71,000 remaining @ 3.875% (earning $380/month from rental income; $59k in equity) Primary residence: $169,000 remaining @ 3.875%...
by Church Lady
Tue Feb 14, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Scary bed bug addendum on lease - should I walk away?
Replies: 30
Views: 3515

Re: Scary bed bug addendum on lease - should I walk away?

Before doing anything, I would call around and find out if this addendum is common in your area. If it is, you may have no choice.
by Church Lady
Fri Jan 27, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Pay Your Monthly Bills?
Replies: 42
Views: 3826

Re: How Do You Pay Your Monthly Bills?

Recently, I had five checks stolen from a US Post Box, copied, repurposed and cashed at the bank of origin. Two of those checks were written to my credit card companies to pay monthly bills so those credit card accounts were also compromised. It sounds like your outgoing mail was stolen. From what?...

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