Search found 142 matches

by Luckywon
Mon May 21, 2018 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire? Input and advice is welcome!
Replies: 29
Views: 3622

Re: Can I retire? Input and advice is welcome!

May I ask what country you are in?
by Luckywon
Sat May 19, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 2785

Re: Hot food flavoring (sauces, spices and peppers)

For something different try Patak's Hot Mango Pickle. Has a strong flavor-some love it, some hate it. Found in any Indian grocery store.
by Luckywon
Thu May 17, 2018 12:16 am
Forum: Investing - Help with Personal Investments
Topic: Urgent: escrow situation in bay area
Replies: 50
Views: 2771

Re: Urgent: escrow situation in bay area

I also had cold feet 20 years ago during escrow for my home and it turned out to be one of the best decisions I have ever made. What's interesting is how far off my financial analysis was. My point is there are so many complete unknowns there is no use overanalyzing it. But paying 36k to walk away i...
by Luckywon
Wed May 16, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: ?$ Bid for Upgrade to Business Class (per flight hour)
Replies: 15
Views: 1053

Re: ?$ Bid for Upgrade to Business Class (per flight hour)

ResearchMed wrote:
Wed May 16, 2018 10:03 am
On shorter international flights, Business class would usually be fine.
But some of those "pods" can feel like coffins after several hours.
I have a feeling you are not going to get much sympathy on this :happy
by Luckywon
Sun May 13, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: setting up trust- possible sibling drama may ensue
Replies: 34
Views: 2874

Re: setting up trust- possible sibling drama may ensue

#4- inherit all the assets and any distribute is up to me. siblings are aware of this. i believe there is some uneasiness which is why i want to bring all financial issues out into the open. in the trust- i will be the trustee but it hasn't been drafted yet. I am sure that, like me, most other read...
by Luckywon
Sun May 13, 2018 2:00 am
Forum: Personal Finance (Not Investing)
Topic: setting up trust- possible sibling drama may ensue
Replies: 34
Views: 2874

Re: setting up trust- possible sibling drama may ensue

From what you have written, your father is establishing a trust, you are the trustee, and your father intends for you to inherit all of his assets, presumably by placing them in the trust with you as sole beneficiary? And you intend to distribute some of the money to your siblings, out of a sense of...
by Luckywon
Wed May 09, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3149

Re: Do I need to unfreeze my credit before applying for a new card?

I have my credit 'frozen' (I went to each of the 3 agencies and froze/locked my credit). Do I need to unfreeze it at each company before applying for a new credit card? Sometimes you do not have to unfreeze your credit at all. I have had my credit frozen at all three major reporting agencies for ma...
by Luckywon
Sat May 05, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17688

Re: Ed. Jones rep didn't like our plan, now we're locked out

Good advice galectin. Advice I intend to follow :happy OP, can you post the EJ office location and advisor's name here? It would be nice if this thread comes up in a google search for either of them. You could advise the branch manager of this and suggest he/she keep updated on the situation via th...
by Luckywon
Wed May 02, 2018 5:33 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 27
Views: 2157

Re: Making it easier to track posts from the OP

After CTRL-F search for "by opname" as that will only bring up posts that they initiate. Cheers Fantastic solution for desktop and I can't wait to use it more. Unfortunately does not work on mobile browser, which is where I spend a lot of time browsing bogleheads. :annoyed It works on my iPhone if ...
by Luckywon
Wed May 02, 2018 4:37 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 27
Views: 2157

Re: Making it easier to track posts from the OP

Silk McCue wrote:
Wed May 02, 2018 12:37 pm
After CTRL-F search for "by opname" as that will only bring up posts that they initiate.

Cheers
Fantastic solution for desktop and I can't wait to use it more. Unfortunately does not work on mobile browser, which is where I spend a lot of time browsing bogleheads. :annoyed
by Luckywon
Fri Apr 27, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Billpay from corporate account?
Replies: 3
Views: 437

Re: Billpay from corporate account?

With an S corp, I have been paying electronically from personal account and transferring the same amount from the business checking to personal with a note of what it's for. This is at our local brick and mortar bank. Not sure why, but they seem to only allow you to pay via paper check from busines...
by Luckywon
Wed Apr 25, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: How to be a good executor to family
Replies: 44
Views: 3397

Re: How to be a good executor to family

In my father's case, all children including myself were estranged. We had no idea what he had been up to, or debts that he may have had. Therefore, from the beginning, I was anal about documenting everything. Other children wanted nothing to do with executing the estate, so we agreed that I would b...
by Luckywon
Tue Apr 24, 2018 1:22 am
Forum: Personal Finance (Not Investing)
Topic: Billpay from corporate account?
Replies: 3
Views: 437

Billpay from corporate account?

My corporate account is at Schwab, along with my personal brokerage and checking accounts. I would like to pay bills electronically or issue them through Schwab, rather than writing checks. The bill pay feature for Schwab can be used for the personal checking account, but cannot be used for a corpor...
by Luckywon
Sun Apr 01, 2018 2:05 am
Forum: Personal Consumer Issues
Topic: Online meals, anyone do these?
Replies: 28
Views: 3216

Re: Online meals, anyone do these?

We have tried Blue Apron, Plated, Hello Fresh and Gobble. We like Plated and Gobble best. Gobble features meals that can be prepared more quickly, around 15-20 min which is a feature we love. Many of the ingredients are pre-cut and sometimes even half cooked. However, the number of selections each w...
by Luckywon
Thu Mar 15, 2018 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Experience with bank or other corporate Trust Department?
Replies: 38
Views: 2144

Re: Experience with bank or other corporate Trust Department?

OP here and I would like to thank all for the many valuable insights and well considered thoughts above. What I am trying to plan for is the unfortunately real possibility that I may at some time be incapacitated and have no one but friends or out of state relatives (nieces or nephews) to rely on. I...
by Luckywon
Wed Mar 14, 2018 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Experience with bank or other corporate Trust Department?
Replies: 38
Views: 2144

Re: Experience with bank or other corporate Trust Department?

The trust that was created when my father died, in addition to the assets titled in my mother’s name, was managed by a small bank headquartered in the county where they’d lived for 50 years. So my parents had an ongoing relationship with the bank and had met with the key people in the trust departm...
by Luckywon
Wed Mar 14, 2018 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Experience with bank or other corporate Trust Department?
Replies: 38
Views: 2144

Re: Experience with bank or other corporate Trust Department?

We are also looking for a corporate trustee, and are considering Vanguard and US bank just because we have accounts with them. Vanguard's requirements sound very similar to Schwab's. You can find its fee schedule on its website. For now, we're leaning toward Vanguard. Thanks very much for your repl...
by Luckywon
Wed Mar 14, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Experience with bank or other corporate Trust Department?
Replies: 38
Views: 2144

Re: Experience with bank or other corporate Trust Department?

Never had experience with Schwab as trustee but plenty of experience with many other trust institutions. In general a corporate trustee offers what no individual can including perpetual existence, collective experience and judgment, financial responsibility, accessibility because doesn’t die or go ...
by Luckywon
Tue Mar 13, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with bank or other corporate Trust Department?
Replies: 38
Views: 2144

Experience with bank or other corporate Trust Department?

I am thinking of appointing Schwab Trust Services as an alternate successor trustee for my personal revocable Trust. This is in the event my SO predeceases me. I have spoken with Schwab and gotten some questions answered about the logistics. They can serve as successor Trustee in the event of my dea...
by Luckywon
Wed Feb 28, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving EJ- can i pull this off?
Replies: 38
Views: 2999

Re: Leaving EJ- can i pull this off?

Well their fees for equity trades can be seen on their website here https://www.edwardjones.com/images/ETY-1714E-A-MA.pdf IF you don't want to open the website here is what they are, directly from Edward Jones. 0 to $5,999.99: 2.50% $6,000.00 to $9,999.99: 2.00% + $30.00 $10,000.00 to $24,999.99: 1....
by Luckywon
Wed Feb 28, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving EJ- can i pull this off?
Replies: 38
Views: 2999

Re: Leaving EJ- can i pull this off?

To liquidate a single security and transfer the cash from an account from Edward Jones to another brokerage, Edward Jones charged me $475 to sell the shares. So, I would suspect that it will be far cheaper to transfer the shares in kind, to the extent possible, to your new brokerage and liquidate th...
by Luckywon
Mon Feb 26, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: How can I allow a family member to access my account, or money, to manage my money?
Replies: 30
Views: 2131

Re: How can I allow a family member to access my account, or money, to manage my money?

During marriage any gains (assets acquired pre-marriage) would be considered separate. However, if I sell those assets to acquire new assets during marriage, the gains on those could be construed as marital. I am curious did the lawyer address dividends paid in the premarital account? Would those b...
by Luckywon
Mon Feb 26, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: How can I allow a family member to access my account, or money, to manage my money?
Replies: 30
Views: 2131

Re: How can I allow a family member to access my account, or money, to manage my money?

During marriage any gains (assets acquired pre-marriage) would be considered separate. However, if I sell those assets to acquire new assets during marriage, the gains on those could be construed as marital. I am curious did the lawyer address dividends paid in the premarital account? Would those b...
by Luckywon
Mon Feb 26, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Searching for Back-up Trustee
Replies: 6
Views: 529

Re: Searching for Back-up Trustee

I have also been looking for a corporate successor trustee. I recently contacted the Schwab trust Department which does offer this service. Your trust would have to have specific language that Schwab will provide to you. Fees will apply only when they assume responsibilities as successor trustee, no...
by Luckywon
Sun Feb 25, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: How can I allow a family member to access my account, or money, to manage my money?
Replies: 30
Views: 2131

Re: How can I allow a family member to access my account, or money, to manage my money?

It's rarely a good idea to hire a family member to be a money manager. What if you are not happy with his performance? It is much more difficult to fire a family member than an unrelated fiduciary. Conversely, this may end very badly for your cousin, and my guess is that is just as likely. You allud...
by Luckywon
Sun Feb 18, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41996

Re: What frugal thing did you do today?

Today I took Ubershare to the airport instead of regular Uber. And because airport fees are baked into the price, I chose a drop-off near the airport and walked the last km. Paid $4.30 instead of about $9. Next time, take it to a car rental location. You can hop on their airport shuttle for free.
by Luckywon
Sun Feb 11, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: What is this please, trying to help a friend
Replies: 8
Views: 967

Re: What is this please, trying to help a friend

All you have to do is google it.

Fidelity Freedom® 2050 Fund
by Luckywon
Sat Feb 10, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Flat tire replacement
Replies: 26
Views: 1398

Re: Flat tire replacement

Assuming the car is disabled and at your mechanic now, I would let the mechanic deal with all this for you. If he doesn't know everything you've learned here and by calling around, you need a different mechanic. If the car isn't disabled, why would have have a tire store deliver a tire to your mech...
by Luckywon
Fri Feb 09, 2018 12:22 am
Forum: Investing - Help with Personal Investments
Topic: What Would you do? (Inheritance)
Replies: 22
Views: 3045

Re: What Would you do? (Inheritance)

If you do decide to liquidate any positions, make sure you check what the fees are to do so at EJ. I was charged close to $500 to sell a position of around $30,000 at EJ!! So unless you have some better agreement at EJ, transfer the positions in kind to another brokerage and liquidate them there. Al...
by Luckywon
Sat Feb 03, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 6821

Re: Substitute for taking a shower?

Shave any body hair prior to the trip.
by Luckywon
Mon Jan 29, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 21307

Re: I bought a stock today - Redfin (RDFN)

...For full disclosure [X%] of my portfolio is [Y] shares. You've just told us the number of dollars in your portfolio. Y times $23/share / X%. Are you really sure you wanted to do that? Are you sure you don't want to go back and remove those numbers? It doesn't bother everyone in this forum to dis...
by Luckywon
Sun Jan 28, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Investment thought loops have been destroying me
Replies: 31
Views: 1400

Re: Investment thought loops have been destroying me

Obvious to me that you need professional help, specifically psychotherapy, which has helped me for similar issues. Because of the ACA, coverage for mental health is generally improved, but choose someone in network or it will be expensive and could just add to your problem. Be prepared to switch the...
by Luckywon
Sat Jan 27, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 331
Views: 59041

Re: Retreat to cash

I have been seriously considering getting out of the equity and bond markets and retreating to cash during the next year. ) I love, Love, LOVE to read statements like that. That's a signal to me that the markets will be going up very nicely. Thank you! There haven't been many statements like that i...
by Luckywon
Fri Jan 26, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: What steps should my sister and I go through to claim our inheritance?
Replies: 21
Views: 2809

Re: What steps should my sister and I go through to claim our inheritance?

I am not trying to be unkind, but I offer here for perspective that I suspect that your stepmother's siblings will have a good laugh amongst themselves if you approach them asking for personal property. You are the out of state siblings of their sister's husband who died 8 years ago. Putting myself ...
by Luckywon
Sat Jan 20, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 8240

Re: Lost money through Bitconnect scam - learned my lesson

I was around your age when there was a frenzy in tech stocks. Everyone was bragging about tremendous returns buying internet stocks. It was very similar to the Bitcoin frenzy that is going on now. I jumped on the bandwagon, picking hot stocks that I heard about from friends, internet, wherever. Some...
by Luckywon
Mon Jan 15, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7079

Re: Looking for a reasonably priced, safe international destination

Another vote for Costa Rica. There are wonderful beaches and many fun outdoorsy things for the family to do they are very environmentally conscious there and it's a great place to observe nature. There is a volcano with hot springs area. The people are very friendly. You can get by with English and ...
by Luckywon
Wed Jan 10, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: question about VBTLX
Replies: 27
Views: 2165

Re: question about VBTLX

Morningstar lists 2017 performance of VBTLX 3.57 %

http://performance.morningstar.com/fund ... on?t=VBTLX
by Luckywon
Mon Jan 08, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 8519

Re: The reality hits - my dementia update

Your generosity in sharing your story with us is admirable, I really appreciate it and have learned from it.
Best wishes.
by Luckywon
Mon Jan 08, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 7328

Re: Hot Water Delay at faucet/shower far from water heater

I had two tankless water heaters installed 7 years ag, one on each side of the house (they are attached to the outer wall of the house). Placed one just outside the master bathroom so time to hot water is very short. The other is just outside the kitchen. Have been very happy with them.
by Luckywon
Tue Dec 26, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41996

Re: What frugal thing did you do today?

njuser wrote:
Tue Dec 26, 2017 4:30 pm
Luckywon wrote:
Sun Dec 24, 2017 1:26 pm
This is yesterday but got an unsolicited mail from a charity with a dime and a penny affixed. Peeled those off and put them in my coin jar.
There are some good posts here, but I'm still giggling over this one.
Glad you enjoyed :) Needless to say the mailing was discarded!!
by Luckywon
Sun Dec 24, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41996

Re: What frugal thing did you do today?

Since frugality seems to be a way of life, what did you do today that was frugal? As for me, worked out at the gym, but shaved and took an extra long shower there to save on my utilities. :D The gym will pass that cost along in the form of increasing your gym membership dues. If you have locked in ...
by Luckywon
Sun Dec 24, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41996

Re: What frugal thing did you do today?

This is yesterday but got an unsolicited mail from a charity with a dime and a penny affixed. Peeled those off and put them in my coin jar.
by Luckywon
Sun Dec 24, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant fees reasonable?
Replies: 39
Views: 3519

Re: Accountant fees reasonable?

Have you considered saying something like "I mentioned what I pay you to do my return to a friend and they said it was much higher than they paid for the same sort of return, can you explain why you're so much higher"? Or do you not want to bring it up at all? It sounds reasonable, and I think I wi...
by Luckywon
Fri Dec 22, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant fees reasonable?
Replies: 39
Views: 3519

Re: Accountant fees reasonable?

Many thanks for the responses. I get the sense my accountant fees are high but I've used him for many years and feel comfortable with him, which is worth enough to not switch for now.

Again thanks for all the comments.
by Luckywon
Wed Dec 20, 2017 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Accountant fees reasonable?
Replies: 39
Views: 3519

Accountant fees reasonable?

I file as a single person, pay $800 annually for California state and federal taxes. Have w-2 income, a little 1099 income from small things but do not deduct business expenses from this. Thanks for any replies from those who use an accountant and are willing to share what they pay. I hope not to ge...
by Luckywon
Tue Dec 19, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Auto and homeowner insurance ... How often do you switch?
Replies: 22
Views: 1808

Re: Auto and homeowner insurance ... How often do you switch?

20 years with AAA. You get a kind of rebate from them which increases over time so your premium is relatively higher at the beginning, lower as you continue to insure with them. I checked with Costco Ameriprise this year for auto insurance to see if it was competitive, the quote from Ameriprise was ...
by Luckywon
Tue Dec 19, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: "Breaking the seal" on more expensive travel
Replies: 38
Views: 4534

Re: "Breaking the seal" on more expensive travel

As I have gradually been able to afford more and began to value my time more, I have also upgraded my travel experience. Once the cost of plane tickets and opportunity cost of not working are sunk, it makes sense to me not to skimp on the relatively trivial expenses that really make the vacation fun...
by Luckywon
Mon Dec 18, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Spending on myself, am I off base here?
Replies: 104
Views: 6211

Re: Spending on myself, am I off base here?

My advice: Don't buy the pinball machine at this time. Apologize to your wife for upsetting her/stressing her out. This is a very stressful time of year. A few months from now, initiate some conversations about her (likely) money worries. Maybe something needs to be changed to help her feel more co...