Search found 218 matches

by Determined
Sat Jul 14, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 16
Views: 1079

Re: Braces: Keeping cost down and insurance questions.

One insurance is primary, the other can be secondary. You won't be able to switch and get the coverage twice. I have no experience with opting for a different coverage that pays more. My third child will get them next year. I have an HSA, but once I get the estimate next month, I will use a limited ...
by Determined
Sat Jul 07, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Addition on a condo
Replies: 7
Views: 547

Re: Addition on a condo

They are not separate structures. I share one side wall with an interior unit. The more I think about it, the less plaisible it sounds.
by Determined
Sat Jul 07, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Addition on a condo
Replies: 7
Views: 547

Re: Addition on a condo

Good point about the maintenance of all of the exterior.
by Determined
Sat Jul 07, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Addition on a condo
Replies: 7
Views: 547

Addition on a condo

I live in a three condo unit in a residential neighborhood of single family homes. My fiance started to discuss the possibility of adding on yo the main living space. I live in a small town, and housing options have been extremely limited. The three homes we have considered in three months all need ...
by Determined
Fri Jul 06, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3408

Re: Anyone Tried Costco Travel Packages?

My friends took one to Key West last month and highly recommended the service. I don't know anymore than that.
by Determined
Sat Jun 30, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 51
Views: 3332

Re: Adding a trust to your homeowner's policy

I'm going to make an appointment to talk to the lawyer who wrote up my trust and will years ago to ask her about this, particularly the umbrella policy. I am thinking that the safest thing may be to take the house out of the trust, since my will has a provision that moves everything not in the trus...
by Determined
Mon Jun 18, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Where to purchase an used clarinet for a student - Amazon vs. store?
Replies: 14
Views: 761

Re: Where to purchase an used clarinet for a student - Amazon vs. store?

You have several people with real experience in this area to guide you. Stick with a similar Yamaha brand. I would contact the band director or the summer private teacher about the Amazon purchase. They will be honest about whether they see it as reputable. What makes them nervous are Chinese import...
by Determined
Mon Jun 18, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: How to prioritize 457, Roth/Regular 403 b and Roth IRA
Replies: 8
Views: 726

Re: How to prioritize 457, Roth/Regular 403 b and Roth IRA

That 403(b) sounds pretty good. I'd contribute to that, as it's through Vanguard with low fees. The 457 I'm going to guess is a ripoff (they many times are), and your salary's not high enough to maximize both. Do you also have to contribute to a pension plan? If no, congratulations--max the 403(b),...
by Determined
Fri Jun 15, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2298

Re: House that was in trust is actually in estate

Another update. Our lawyer has not contacted the title office. The title office in Florida offered to refer me to someone who can do the probate in Florida. I went back through emails to see where things went awry. The appraisal of the home from last March was written in the name of her estate. When...
by Determined
Thu Jun 14, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2298

Re: House that was in trust is actually in estate

Such a common problem. Everybody that has a trust should double check their assets while they are alive and especially if they did a re-fi as banks used to always take houses out of trusts and often the title company didn't put it back in. In California there is a law called a "Heggstad petition" f...
by Determined
Wed Jun 13, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2298

Re: House that was in trust is actually in estate

Such a common problem. Everybody that has a trust should double check their assets while they are alive and especially if they did a re-fi as banks used to always take houses out of trusts and often the title company didn't put it back in. In California there is a law called a "Heggstad petition" f...
by Determined
Tue Jun 12, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2298

Re: House that was in trust is actually in estate

If it is in the estate, her will says it has to go to trust. Aghh! Well, then, it is in the trust. Show the will to the title company. My will has a provision like this, anything I own that is not in the trust when I die, goes into the trust. You do not have a problem. Thanks. I already put the tit...
by Determined
Tue Jun 12, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2298

Re: House that was in trust is actually in estate

shawndoggy wrote:
Tue Jun 12, 2018 5:17 pm
Why out of trust for refi if mortgage is in the name of the trust?
We don't know. It's what the title person told me who is handling stuff in Florida for the buyer. It's a private sale.
by Determined
Tue Jun 12, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2298

Re: House that was in trust is actually in estate

My dad had a business and they had condo in Ohio where I am. The condo and a few other things went through probate here. The business was in a trust in his name. Everything else was put in her name. The attorney already had a list of what was isupposedly in trust. He had no idea or reason to think t...
by Determined
Tue Jun 12, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2298

House that was in trust is actually in estate

I am venting about a frustrating situation that I just discovered. My father had cancer and died in 2014. He and my mom took care of a lot of things, and most everything was moved into a trust in my mom's name. Mom died unexpectedly last year. We are selling her Florida home and have a buyer. I am t...
by Determined
Mon Jun 11, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: How and what age to start piano lessons?
Replies: 13
Views: 1220

Re: How and what age to start piano lessons?

I do not teach lessons, but I teach music prek-2 and do a lot of piano accompanying in the community. Age- Around here most teachers prefer students to be around second grade when reading skills are in place. However, if a child is asking you at five, then I would pursue it. If you can, find a teach...
by Determined
Sun Jun 10, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: How much to invest in elementary education?
Replies: 37
Views: 2535

Re: How much to invest in elementary education?

What grade is she entering? Kindergarten. So it's not like she'll be learning rocket science but I also don't want her be bored and uninspired. And we have the means to spend more on great education. We'll likely stay put and try the current school but am interested in the feedback I didn't want to...
by Determined
Sun Jun 10, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: How much to invest in elementary education?
Replies: 37
Views: 2535

Re: How much to invest in elementary education?

What grade is she entering?
by Determined
Sat Jun 09, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 32
Views: 2952

Re: College: extraneous expenses

College meal plans really vary. Some have a cash value. Some have different tiers for a certain number of meals. Some let you carry over each semester. My son's school didn't offer breakfast. They had apartment style dorms, and found most students didn't eat there. My daughter spends a lot on food b...
by Determined
Fri Jun 08, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Switching car insurance agents
Replies: 15
Views: 1410

Re: Switching car insurance agents

After sending another email and leaving another message, I checked my policy just in case he actually removed the car from the insurance. He had not. I have the email dated May 21 informing him the car is no longer titled to me. I called Farmers national number, had the car removed and my so removed...
by Determined
Thu Jun 07, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Switching car insurance agents
Replies: 15
Views: 1410

Re: Switching car insurance agents

if you have a broker for home insurance/umbrella/whatever , you could try giving them a call. my home insurance broker/agent has dug up the best rates for me and I usually change annually if its more than $100 or so. he makes money, i save money - its a good deal for everyone. whenever I have tried...
by Determined
Thu Jun 07, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: How to help 12 year old learn about business/investing
Replies: 14
Views: 1107

Re: How to help 12 year old learn about business/investing

I completely understand this and unfortunately have first hand experience with the dangers of this. His dad has an addictive personality. He did some damage thinking he could beat the market but ultimately sports betting became his focus. Continuing to help him understand finances for his age is sti...
by Determined
Thu Jun 07, 2018 1:27 am
Forum: Personal Finance (Not Investing)
Topic: How to help 12 year old learn about business/investing
Replies: 14
Views: 1107

Re: How to help 12 year old learn about business/investing

I think the problem you may run into is that investing, if you do it right, is SUPPOSED to be boring. Anything that makes it seem fun or exciting (e.g. treating it like a game, where you can 'beat' the other players if you have enough skill) could teach exactly the wrong lesson. It's like the diffe...
by Determined
Wed Jun 06, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to help 12 year old learn about business/investing
Replies: 14
Views: 1107

Re: How to help 12 year old learn about business/investing

Have him absorb these for math https://www.amazon.com/dp/1941234100/ref=sspa_dk_detail_4?psc=1 I apologize if I came off as a parent who thinks their child is beyond all others. He is not a prodigy. I have normal kids who happen to test well. I just was trying to make that point that he is more tha...
by Determined
Wed Jun 06, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Switching car insurance agents
Replies: 15
Views: 1410

Re: Switching car insurance agents

Farmers is usually expensive...if they're giving you a better rate than everyone else just deal with the slow service. Make sure to have umbrella Farmers prices very aggressively east of the Mississippi River. They used to cover only the western states, and they're trying to become a national compa...
by Determined
Wed Jun 06, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Switching car insurance agents
Replies: 15
Views: 1410

Re: Switching car insurance agents

1. Can I get a new agent with the same company (Farmer's) and get the same rate? Most insurance companies allow you to transfer your policy to another agent. This does not start a new policy, and it does not change your rate. You should call Farmers at their corporate number, not your agent's numbe...
by Determined
Wed Jun 06, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: How to help 12 year old learn about business/investing
Replies: 14
Views: 1107

How to help 12 year old learn about business/investing

My son and friends like to play Monopoly. They love making deals with each other. He says it's boring when I play. He started telling some if the deals he makes, and I am very impressed. It's not in my nature, so I am looking for some resources to help encourage him. He is gifted academically, but h...
by Determined
Tue Jun 05, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Switching car insurance agents
Replies: 15
Views: 1410

Switching car insurance agents

I have shopped for car insurance quite regularly over the past several years having added teenage drivers, divorced, and reduced polices as the kids are in college or on their own. I have far and away a great deal with my current agent. All I can figure is it because I had them before the kids start...
by Determined
Tue Jun 05, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Teacher 403b TSA HELP Please!
Replies: 9
Views: 736

Re: Teacher 403b TSA HELP Please!

Going to 403bwise helped me. I had five insurance company choices. They also cover 457b plans. As fast as a 529, you can pick any state's plan.
by Determined
Mon Jun 04, 2018 6:58 am
Forum: Investing - Help with Personal Investments
Topic: HUGE monthly fee at Ohio Public Retirement Systems?
Replies: 4
Views: 1022

Re: HUGE monthly fee at Ohio Public Retirement Systems?

Hi there, I contribute to the Ohio PERS traditional 401k, defined contribution account every month. Yet they charge a Monthly fee of 5 dollars a month, on top of the Index Fund's expense ratio. I earn very little money part time every month, contribute 15-20 dollars every month and 25% is eaten awa...
by Determined
Sun Jun 03, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Getting an appraisal before making an offer
Replies: 16
Views: 1127

Re: Getting an appraisal before making an offer

Good advice. He knows all my business as he handles the family business legal issues and and handled all my parents' personal affairs. The banks that I have dealt with in the past all use the real estate attorney at this firm for closings. Should I be looking for another option?
by Determined
Sun Jun 03, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Getting an appraisal before making an offer
Replies: 16
Views: 1127

Re: Getting an appraisal before making an offer

WhyNotUs wrote:
Sun Jun 03, 2018 10:05 am
From my perspective, that puts you in a good position. You can negotiate, increase your cash up front or exit the deal.
Got it. Down payment is not an issue, but I am not interested in paying above the appraisal. It's a good home, not a dream home. We need more space to blend families.
by Determined
Sun Jun 03, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Getting an appraisal before making an offer
Replies: 16
Views: 1127

Re: Getting an appraisal before making an offer

You can make an offer contingent on financing- i.e. an appraisal that will support a mortgage of $XXXXX and no more than X% interest rate with XX% down. That makes it contingent on the appraisal supporting the value. As for SF, the Town/City/County will have a property card that lists heated sf and...
by Determined
Sun Jun 03, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Getting an appraisal before making an offer
Replies: 16
Views: 1127

Re: Getting an appraisal before making an offer

The difference between the 2400 and 3000 square feet will often be obvious (such as a basement, attic or addition the owner is counting but is not recognized by the town). Was it permitted? When was it added? You may have better luck with a small town attorney who understands local real estate than...
by Determined
Sun Jun 03, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Getting an appraisal before making an offer
Replies: 16
Views: 1127

Getting an appraisal before making an offer

Good morning. We are looking at homes in our small town of 7,000. We like a house that is for sale by owner. They are not advertising on the web. I don't want overpay, but trying to find comparables is very difficult. The number of houses available over the past few years has been quite low. It's a ...
by Determined
Thu May 31, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Supplementing Ohio Teacher's DB Retirement Plan
Replies: 10
Views: 782

Re: Supplementing Ohio Teacher's DB Retirement Plan

Thanks for all the great replies. My wide contributes 10% into her DB plan and I'm definitely going with the Ohio457 with a goal of maxing out the contributions ($18.5k). I am hoping to have a little left over to start a 403(b) as well. I will take all of this advice before making any decisions. Th...
by Determined
Wed May 30, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Supplementing Ohio Teacher's DB Retirement Plan
Replies: 10
Views: 782

Re: Supplementing Ohio Teacher's DB Retirement Plan

I teach in Ohio. In my district the 457 is clearly the better option. I have LifePath 2035 which just cut it's cost basis to .06. There are some funds that cost less, but this works for me. With the 457 iyou deal with them directly, and changing the amount is very simple. In my district, 403b goes t...
by Determined
Wed May 30, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4778

Re: My mind exploded

I think this a completely normal behavior and response. Ex and I divorced when daughter was 16, and she got almost no suppprt. She worked and paid for all of her social stuff and put away money for college. I think she should have saved more, but it wasn't my call. I chose to pay for car, insurance,...
by Determined
Tue May 29, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Best use for a $2k raise for a middle-income teacher
Replies: 35
Views: 3778

Re: Best use for a $2k raise for a middle-income teacher

I would put at least some in the 457. I would not count on the pension benefits being what they are now. My mother was also a teacher so I have seen benefits slowly whittled away for a very long time. While I will still be grateful for what I will get (Ohio STRS, no SS) I expect more changes before ...
by Determined
Mon May 28, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Does Wells Fargo Advisors Require Medallian Signature Guarantee
Replies: 15
Views: 1172

Re: Does Wells Fargo Advisors Require Medallian Signature Guarantee

A few weeks ago I transferred a brokerage account of after tax funds in kind from Wells Fargo Advisors to Vanguard. I needed a medallion signature.

I did not need one when I transferred an inherited IRA.
by Determined
Mon May 28, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off car loan, Fifth Third says no need for a title
Replies: 11
Views: 1948

Re: Paid off car loan, Fifth Third says no need for a title

When I paid off a car about five years ago, I received a letter saying an electronic title was sent to the BMV. I kept that letter. Just a few weeks ago, I transferred the title to to my son. I had to pay $16 for them to print it, but they did have it. The BMV employee said banks aren't very clear a...
by Determined
Mon May 21, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: child turning 18 - stop filing as dependent?
Replies: 23
Views: 2100

Re: child turning 18 - stop filing as dependent?

There will be a $500 credit difference between claiming 2 or 3. How do you figure that? Only one is under 17. I guess I don't understand the new standard deduction. It's not a deduction, it's a credit. The tax reform bill also includes a nonrefundable $500 "family credit" for other dependents. The ...
by Determined
Mon May 21, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: child turning 18 - stop filing as dependent?
Replies: 23
Views: 2100

Re: child turning 18 - stop filing as dependent?

I had a discussion with the accountant about my 22 year old son who has still taking classes. For 2017, the accountant determined I was supporting him at least 50%. That reduced my taxes some and made essentially no difference on his. In 2018, there is no advantage for me. I am head of household wi...
by Determined
Mon May 21, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: HSA checking account question
Replies: 1
Views: 211

HSA checking account question

I have asked several different questions about HSA accounts, but I realize I had the interest rate wrong on the checking account. My employer matches $1200 per year that must go into a 1% checking account at a local bank. I moved almost everything to Lively at the end of last year paying a $25 trans...
by Determined
Mon May 21, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: child turning 18 - stop filing as dependent?
Replies: 23
Views: 2100

Re: child turning 18 - stop filing as dependent?

I had a discussion with the accountant about my 22 year old son who has still taking classes. For 2017, the accountant determined I was supporting him at least 50%. That reduced my taxes some and made essentially no difference on his. In 2018, there is no advantage for me. I am head of household wit...
by Determined
Sat May 19, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Hardwood around the perimeter but plywood under the rug
Replies: 12
Views: 1300

Re: Hardwood around the perimeter but plywood under the rug

The plywood isn't original (because it wasn't available when the house was built), so somewhere along the line someone wanted carpet (with a wood border) and decided this was the cheapest way to get what they wanted, so no red flags. You won't get the fairy tale story of "we just ripped up the carp...
by Determined
Sat May 19, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Hardwood around the perimeter but plywood under the rug
Replies: 12
Views: 1300

Re: Hardwood around the perimeter but plywood under the rug

Thank you. What did you search? I tried a lot of different queries and had no luck.
by Determined
Sat May 19, 2018 5:50 am
Forum: Personal Consumer Issues
Topic: Hardwood around the perimeter but plywood under the rug
Replies: 12
Views: 1300

Hardwood around the perimeter but plywood under the rug

Sorry for asking here, but I have scoured the internet and cannot find anything about this. We looked at an 1871 Victorian home. Several of the rooms have large area rugs. I lifeted one up to see what the hardwood looked like underneath. It was plywood. I have never lived in an older home, so this w...
by Determined
Fri May 18, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Max Out 457B and 403B at Hospital/University?
Replies: 20
Views: 1406

Re: Max Out 457B and 403B at Hospital/University?

I max out both of mine at the same job. It would seem odd that you couldn't do the same, but I can't say for sure.
by Determined
Fri May 18, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 2290

Re: Mitsubishi wall air conditioner

Thank you for all the great responses. The topic just came up when my fiance said his friend had installed one recently and loves it. The house has duct work and we had discussed adding a/c. When we looked at again yesterday, the lower level was only 65 degrees even though it was 80 outside. The ups...