Search found 1125 matches

by NotWhoYouThink
Wed Aug 23, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 241
Views: 11281

Re: How far would you travel to see The Eclipse?

Plan A was to travel about 50 miles and watch with a few family members, but the forecast was pretty iffy. So we invented plan B, which was to travel 350 miles and watch with different family members. Turned out perfect, because Plan B involved gathering with a few hundred kindred spirits at a socce...
by NotWhoYouThink
Tue Aug 22, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 28
Views: 1458

Re: Eclipse Traffic: predictions vs reality?

We made a last minute call to join family near Nashville because the weather near St Louis looked iffy. St. Louis would have been fine, as it turned out, but the combination of family and forecast tipped the scales. Getting to Nashville from St. Louis Sunday night was no problem. We did notice that ...
by NotWhoYouThink
Sun Aug 20, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our Home to Mother-in-law?
Replies: 23
Views: 1320

Re: Should we sell our Home to Mother-in-law?

If your MIL wants to own a more expensive home, she should shop for one that makes aging in place easy, and pay fair market value for it. If she also wants to keep the home she has and rent it out, fine. If she wants SIL to move with her to the new home, fine. But it doesn't need to be the home you ...
by NotWhoYouThink
Fri Aug 18, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Draperies or Honey Comb Shades/Blinds?
Replies: 23
Views: 1718

Re: Draperies or Honey Comb Shades/Blinds?

I am in the process of replacing my honeycomb shades, and would not recommend them for any home that is located on a planet that has bugs. Moths, beetles, spiders, stinkbugs, anything. They crawl into the shade and die, and you can't get them out without damaging the shades. Aside from that, the hon...
by NotWhoYouThink
Fri Aug 18, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4241

Re: Powerball - $510 million?

I've always wondered how much the lottery agency using you as publicity really affects you. In my whole life, I doubt I've noticed articles on more than half a dozen winners, and usually only the articles about the winners who can't control themselves with money and do something like get arrested a...
by NotWhoYouThink
Fri Aug 18, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 6698

Re: DUI lawyer - need advice

The most important thing is not to have another offense, especially in the next 10 years (preferably never). Long driving suspensions and increased jail time are a sure thing with a second offense. Sadly, they are not. Even with a third or fourth offense. This is very dependent on the jurisdiction....
by NotWhoYouThink
Fri Aug 18, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 6698

Re: DUI lawyer - need advice

Lawyer up. In my area DUI is often pled down to a parking violation and a fine. I don't like it and am working to change it, but that's the situation now.
by NotWhoYouThink
Fri Aug 18, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Debt collector called, should we call them back?
Replies: 15
Views: 1952

Re: Debt collector called, should we call them back?

Call them back. We had a bill that went into collections because the hospital sent the bills to a very old address. Once we knew who was asking for money we called the provider. They pulled the bill back from collections and we paid the provider directly, and the provider never reported it to the cr...
by NotWhoYouThink
Thu Aug 17, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 71
Views: 5595

Re: Where to buy glasses for eclipse viewing ?

In the St. Louis area you can get a free pair of eclipse glasses with the purchase of a 12 pack of Schlafly Helles style lager.
by NotWhoYouThink
Thu Aug 17, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: quick estate question
Replies: 56
Views: 2649

Re: quick estate question

From the link supplied by clover8: When you use a small estate affidavit, you have to pay the decedent's bills before paying money to anyone else. For example, the decedent might have owed money to a credit card company when they died. If you use the small estate affidavit, you must give money from ...
by NotWhoYouThink
Thu Aug 17, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 3533

Re: Other people's perception of your finances

Magical thinking. People who don't know how to manage their own money don't know how you manage yours. Really, it is just a mystery to them so they assume you have special magic money powers and they don't think any more about it. Your job is to do 3 things, now that you know family will act this wa...
by NotWhoYouThink
Thu Aug 17, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: quick estate question
Replies: 56
Views: 2649

Re: quick estate question

So the house and CDs will not go through probate and are already titled in the sister's name. The only item that needs the title changed is the car. There is nothing else to probate. Does Illinois have a small estate probate procedure? I can't imagine working through Illinois DMV will be fun, but I ...
by NotWhoYouThink
Thu Aug 17, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Anyone have a personal chef?
Replies: 48
Views: 4197

Re: Anyone have a personal chef?

You need @stoptothink to weigh in. If I recall, he's posted about buying large quantities of a few ingredients and standardizing the meal plan, has is down to a science. It would take some planning up front, but once in place should be fast and cheap. I'm about to try blue apron for a week or 2, jus...
by NotWhoYouThink
Thu Aug 17, 2017 7:51 am
Forum: Personal Finance (Not Investing)
Topic: quick estate question
Replies: 56
Views: 2649

Re: quick estate question

Did she list the kids as beneficiaries on the CD?
Are you sure there was no checking or savings account? How did she pay her bills?

I wouldn't try to backdate anything
by NotWhoYouThink
Wed Aug 16, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Credit score dropped 100 points overnight
Replies: 31
Views: 2739

Re: Credit score dropped 100 points overnight

Over the period of a couple of months we: - closed our HELOC - made the final mortgage payment - co-signed for our daughter's lease at her new grad school apartment - put down a hefty CC deposit on a bathroom remodel Credit score went from 850 to 730. Yikes. Here's how it has affected my life. CC li...
by NotWhoYouThink
Wed Aug 16, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant liable for penalties?
Replies: 23
Views: 1872

Re: Accountant liable for penalties?

Who is the executor? The accountant needs one person in the family to be the point of contact to send and receive questions and information. If everybody in the family is in the middle of everything loose ends are inevitable.
by NotWhoYouThink
Tue Aug 15, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Which Audible book for Mom to convince her to get away from Raymond James
Replies: 19
Views: 1797

Re: Which Audible book for Mom to convince her to get away from Raymond James

Is she likely to run out of money? If not, fix yourself a nice cup of tea and watch her favorite Netflix show with her. (If she doesn't have Netflix, get if for her now and teach her to find shows she likes.) To get her to change, you have to convince her she has made a mistake, which no one likes t...
by NotWhoYouThink
Tue Aug 15, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4529

Re: Best Housing To Avoid Noise

Good windows help, although the tiny little wren on my patio can let loose a song that can't be ignored. The same song. Over and over. I used to think the ideal situation was to have a neighbor with a pool - if you get along with your neighbor you can visit and use the pool sometimes, but you don't ...
by NotWhoYouThink
Tue Aug 15, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Question about market timing the current market
Replies: 27
Views: 1382

Re: Question about market timing the current market

Oh no! Not another dividend growth thread!

Also, market timing sometimes works. All gamblers don't lose every game, some lottery tickets pay out, some market timers clean up. It's not the way I'd bet, but never is much too strong a word.
by NotWhoYouThink
Tue Aug 15, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5276

Re: Plan for making child pay for part of college

Just to be clear, federal loans do not require a cosigner and are not dischargeable through bankruptcy. A family member has around $200k of these loans and no cosigner. Grad school/professional school? You can't borrow that much money for undergrad. Or has this been compounding for a couple of deca...
by NotWhoYouThink
Mon Aug 14, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 241
Views: 11281

Re: How far would you travel to see The Eclipse?

Department of Transportation in our state isn't sure whether to expect carmageddon or abandoned roadways because everyone heeded the warnings to stay home. But there is a corollary of Murphy's law that will be enforced.

No matter what happens, there is always somebody that knew it would.
by NotWhoYouThink
Mon Aug 14, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Wife 1m to vanguard
Replies: 10
Views: 2289

Re: Wife 1m to vanguard

Wife is 61 and will be moving 1m this week to from principle to vanguard. This is her retirement money. She will wait until 70 to start taking money plus will start taking SS. Her family live to 90+. She will be staring in the money market fund then move slow to S&P, total market and some bonds. Sh...
by NotWhoYouThink
Mon Aug 14, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries vs wills
Replies: 9
Views: 1194

Re: Beneficiaries vs wills

Why does every estate planning thread get hijacked into a discussion of revocable trusts. There are usually far more important issues. Because most people don't think about estate planning very often, and don't immediately see the difference between having a trust now and leaving assets in trust af...
by NotWhoYouThink
Sun Aug 13, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 71
Views: 5595

Re: Where to buy glasses for eclipse viewing ?

We got ours from B&H photo in NYC. Should have been free with the purchase of the camera filter DH bought, but they weren't. But they are from American Paper and say they meet the ISO standard and I plan to use them.
by NotWhoYouThink
Sat Aug 12, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Elite status clubs that you are part of?
Replies: 31
Views: 3202

Re: Elite status clubs that you are part of?

I don't think that word means what you think it means.
by NotWhoYouThink
Sat Aug 12, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 241
Views: 11281

Re: How far would you travel to see The Eclipse?

About 50 miles to get an extra minute of totality.
by NotWhoYouThink
Fri Aug 11, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Do I really need a trust?
Replies: 48
Views: 3903

Re: Do I really need a trust?

It depends. What are you hoping to do? If it is just to avoid probate costs after you or your wife dies, it sounds like you've got things covered already. If you want to make sure your daughter (I am assuming from your post she is an adult?) avoids probate costs on the house after you die, then mayb...
by NotWhoYouThink
Thu Aug 10, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7470

Re: Aug. 2017 US total eclipse hotel reservations.

Also check your reservations if you made them through Expedia.
http://www.oregonlive.com/travel/index. ... he_ce.html
by NotWhoYouThink
Thu Aug 10, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: College and Paying for it
Replies: 61
Views: 4087

Re: College and Paying for it

Not sure of the details, but the cousins claimed that their daughter's loans have been forgiven. This is often a big deal for doctors, who take a lot of time through school, rack up huge loans, and need years before they can even get to the public service job that would forgive the loan. This was no...
by NotWhoYouThink
Wed Aug 09, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell a home to a friend's daughter?
Replies: 31
Views: 2969

Re: Should we sell a home to a friend's daughter?

It's worth a conversation, but I wouldn't commit to it in advance. See this thread about making an offer on a house that is about to be on the market. Would your mother be offended if someone offered 73% of what she thinks she can get for it?https://www.bogleheads.org/forum/viewtopic.php?t=224884 If...
by NotWhoYouThink
Wed Aug 09, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: College and Paying for it
Replies: 61
Views: 4087

Re: College and Paying for it

Here's another idea on paying for college I just was reminded of at a family gathering. Public Service Loan Forgiveness, or PSLF. My relatives mentioned that once they heard of this they quit paying for their daughter's college and had her take out loans. Those loans were forgiven after she worked l...
by NotWhoYouThink
Tue Aug 08, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: [Stashing a windfall in the safest possible place while deciding what to do next]
Replies: 45
Views: 3207

Re: Stashing a windfall in the safest possible place while deciding what to do next

We don't know how sudden or how much of a surprise this is. Maybe this is from the sale of a business, or maybe Great Aunt Tilly has been lingering for years in that big house and finally passed. All we've heard is that one married individual is getting more money than she is used to having, and get...
by NotWhoYouThink
Tue Aug 08, 2017 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: [Stashing a windfall in the safest possible place while deciding what to do next]
Replies: 45
Views: 3207

Re: Stashing a windfall in the safest possible place while deciding what to do next

Wow, lots of mistrust here. And I get it, there are bad apples in every profession. But she is married and has already told at least one person outside the family (OP). It makes me think she and her spouse are not prepared to deal with this without help. And a financial advisor is not the next perso...
by NotWhoYouThink
Tue Aug 08, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: [Stashing a windfall in the safest possible place while deciding what to do next]
Replies: 45
Views: 3207

Re: Stashing a windfall in the safest possible place while deciding what to do next

As to the original question, the Vanguard Federal Money Market Fund is perfect - safe and liquid. Then she needs to not tell anyone else except perhaps a pastor. Not even a financial advisor, yet. Maybe you can do some research for her, but she needs to do enough to figure out what kind of financial...
by NotWhoYouThink
Tue Aug 08, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: College and Paying for it
Replies: 61
Views: 4087

Re: College and Paying for it

I ran into this when I went to college. I didn't start college until the age of 27. I had a net worth of about $100k at that point. Despite having nearly a 4.0 GPA in an engineering program, I couldn't get any financial aid because I didn't have "financial need." I should have just blown all my mon...
by NotWhoYouThink
Tue Aug 08, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Grandparents Stock Gift for College
Replies: 18
Views: 1266

Re: Grandparents Stock Gift for College

Also, just for fairness, is he going to do this for all his grandchildren? Depending on what happens as he trades, the grandkids could end up with very different balances as college approaches. That's not terrible, life is not fair and all that, but it could make for some interesting discussions abo...
by NotWhoYouThink
Tue Aug 08, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Eclipse viewing
Replies: 55
Views: 4744

Re: Eclipse viewing

In the zone of totality you can find eclipse glasses for sale at every convenience store, gas station, flower shop, library, school, fire station and food truck. I remember pinhole devices from when I was a kid, but the glasses are cheap to mass produce now so that's what we have. For those outside ...
by NotWhoYouThink
Tue Aug 08, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Car Depreciation As Reason to Get A New Car
Replies: 34
Views: 3366

Re: Car Depreciation As Reason to Get A New Car

If you want a new car and can afford it, go for it. Use whatever rationale you like. The dealer will thank you, the guy who buys your old car will thank you.
by NotWhoYouThink
Tue Aug 08, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Advice on transferring banks for relocating 90+ year old grandmother
Replies: 10
Views: 741

Re: Advice on transferring banks for relocating 90+ year old grandmother

Can you help her set up electronic access to all those accounts, and then move things online?
by NotWhoYouThink
Tue Aug 08, 2017 7:06 am
Forum: Personal Finance (Not Investing)
Topic: College and Paying for it
Replies: 61
Views: 4087

Re: College and Paying for it

So OP, what should "you" be doing? You should be looking into the cost of college, and looking at your kids and where they are likely to apply and be accepted, and decide what you are willing to pay per kid, and then you should tell your kids that. Clearly, unemotionally, rationally, explain to them...
by NotWhoYouThink
Tue Aug 08, 2017 6:53 am
Forum: Investing - Help with Personal Investments
Topic: Question on 3-4% drawdown for retirement
Replies: 47
Views: 2830

Re: Question on 3-4% drawdown for retirement

The big flaw I see in your logic is you aren't computing your portfolio properly. For the 3-4% figure everything counts. Your real estate investments count at their current value, they aren't side money. Your home counts. Social security counts as an an inflation adjusted annuity. A pension counts....
by NotWhoYouThink
Mon Aug 07, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 1714

Re: Question for Buick Verano (non turbo) or Mazda3 owners

We looked at the Mazda 3 when we were buying a car for our daughter to take to college. I vetoed it because it was too fun. Seriously, our criteria were safe, boring, fuel efficient and decent cargo space for apartment moves. She has an Elantra, which is boring and fine. Then, after 22 years and 380...
by NotWhoYouThink
Mon Aug 07, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help with new trust investment
Replies: 6
Views: 558

Re: Help with new trust investment

Are you the trustee? Does the trust say anything about how the investments should be managed? Who are the beneficiaries? If you just need $10K a year from $600K and have no/low risk tolerance, you could put it in CD Ladders. Just about anything but cash, CDs, or TIPS carries some risk that the balan...
by NotWhoYouThink
Mon Aug 07, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Buying parents home and estate planing
Replies: 17
Views: 1248

Re: Buying parents home and estate planing

If your name is on the deed and you get sued or divorced they could lose their house. But the odds of that are low.
by NotWhoYouThink
Sun Aug 06, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Simple cell phone and service for elderly relative?
Replies: 9
Views: 1075

Re: Simple cell phone and service for elderly relative?

Can you add the senior on to your plan? We found it was expensive to get a stand-alone plan for my mom, but adding her onto our plan is $12/month, and I can go get her a replacement phone when her battery starts aging out.
by NotWhoYouThink
Sun Aug 06, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Mom made a mistake? Annuities
Replies: 51
Views: 4857

Re: Mom made a mistake? Annuities

Sounds like her/your problem is bigger than the annuity. Of course, an annuity in an IRA was a bad idea to start with, but without knowing her other income, assets, and spending it is hard to know whether it was a bump in the road or the straw that broke the camel's back. But if you are worried abou...
by NotWhoYouThink
Sat Aug 05, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Dad as Investment Advisor for Kids
Replies: 28
Views: 1848

Re: Dad as Investment Advisor for Kids

There's certainly a danger that (1) in a crash they could unfairly blame you for losses or (2) if your health declines they could be left unable to manage their own finances. I think telling them that it's time for them to begin managing their finances (with the option of calling you for advice) be...
by NotWhoYouThink
Fri Aug 04, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6195

Re: Where to View Total Eclipse? - Kansas City / Nashville et al

To avoid crowds, we've decided to cancel our room and car rental in Nashville. We will simply fly to a small airport Monday morning before the start, probably the KY Dam State Park airport. Destination may change depending on weather. We plan to pack chairs and refreshment, picnic on the airport gr...
by NotWhoYouThink
Fri Aug 04, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Accountant/Planner fees during estate transfer
Replies: 18
Views: 1085

Re: Accountant/Planner fees during estate transfer

That being said, I'm not sure who the "trustee" then would be - perhaps the will names the trustee of the estate, not the executor? Clearly we need to do follow up, but would it be more normal for the will to name an executor or trustee? My main understanding was that the will specifically named th...
by NotWhoYouThink
Thu Aug 03, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant/Planner fees during estate transfer
Replies: 18
Views: 1085

Re: Accountant/Planner fees during estate transfer

My grandmother has an accountant and a financial advisor that she works with, and I wasn't sure how we were expected to pay them after she passes, if at all. There's simply no documentation of anything in any of her documents, and I'd like to be prepared for what would be expected, while making sur...