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PVW

Where things get a little more challenging is if something happened to my mother. If she passed away, I think my sister and I would inherit the house (haven't confirmed, but pretty confident. Basically if my dad inherited it, he might not be able to afford the ongoing costs of living in it. So sist...

PVW

My only concern is that i'm not sure I would want my kids to have access to several thousand dollars at 21. Not sure how mature they will be and I think it may actually hurt rather than help. A few thousand dollars is about 2 weeks worth of a $50K annual salary. A 21 year old should already be prep...

PVW

I've made out very well with BRK. Bought in 2005 and have done very well compared to the S&P 500 index. You didn't ask, but I've also done very poorly with SHLD. I forget the details, but I bought around $120 when I read a story that Eddie Lampert was going to be the next Warren Buffett. That prophe...

PVW

I may be mistaken, but from the description, it sounds a bit like mortgage fraud. Now that's a strong accusation, so let me explain my assumptions: The 5% down payment (deposit in UK terms) is for owner-occupiers, which is why your friend is looking for married co-workers to co-sign. Once you buy i...

PVW

Reasons that I think this is a bad idea: - Going into business with a friend. Disagreements might force you cancel either the friendship or business relationship. Good friends think this will never happen, but it does. - You seem to know nothing about real estate investing. You have painted a rosy p...

PVW

Are your inlaws concerned that you are interfering with your husband's obligation to provide for them? Given your concerns about limiting future support to only include some appreciated investments, I can see that your inlaws might be concerned about future support they were expecting from their son...

PVW

I noticed TransUnion offers "TrueIdentity" product for free which allows on to easily "Lock your TransUnion report". Has anyone had experience with that? According to http://www.mymoneyblog.com/transunion-trueidentity-review.html it might be the same thing as the freeze but for free... ? I have no ...

PVW

Credit freeze/unfreeze scam is the new credit monitoring scam to boost bottom line for credit reporting companies. No surprise the latest massive release of PII is from a credit reporting agency - setting off a panic that will result in perhaps millions of new paying customers for freeze/unfreeze a...

PVW

As a beginner, I would recommend against buying used. For a decent beginner bike, much of the variation in price is in the components and it will be difficult for you to evaluate the quality and condition of the components on a used bike. I'll echo other's advice - go to your local bike shop and tel...

PVW

Cosign or don't: different path, same destination. You will end up loosing the relationship either way, but if you don't cosign, then at least you get to keep your money.

PVW

Just wait for the next bear market and all the "smart" money will flood back into active managed funds.

PVW

Back on February 23rd I made a $5000 additional principal payment on my mortgage. I used Chase's payment form and checked the box "additional principal." I did not include the regular mortgage payment of $1052.39 in the remittance. I recently looked at my payment records and noticed that instead of...

PVW

Almost all of my online shopping takes place at Amazon. Over the years, I've glanced at the sales tax calculation and it always looks accurate. Today, I placed an order online with a company that I believe is outside the US. I went to look at my invoice in my inbox after the purchase and noticed th...

PVW

Bitcoin makes you rich ???? Pls share your experiences. The last get rich scheme was GT Advanced Technologies. That was a real company that made real things. It didn't turn out well for the "investors". We're all gonna be rich: http://forum.thecontrarianinvestor.com/index.php?threads/gt-advanced-te...

PVW

I personally think investing is gambling. Agreed. And gambling is investing. We often see the following position in this forum: only Boglehead-style investing counts as real investing, whereas everything else is simply "speculating". I've wrongly perpetuated this falsehood myself, but I know now th...

PVW

If you are a mtn bike rider, there are many options. For a physical challenge, do a vertical mile starting in Tesuque and ride up the Windsor trail then to the top of the Santa Fe Ski area. You can also go the other direction. If you need a hot soak, take a scenic trip up to San Antonio hot springs ...

PVW

First, decide if you really want those 15 feet. Your actual house lot didn't change - it's just that your perceived size changed. Do you get any enjoyment out of those 15 feet? Do you think giving up those 15 feet will decrease your value?

PVW

Someone else mentioned that your mother likely qualifies for social security benefits on her ex husband's record. One aspect of this is survivor benefits - so a loss of alimony due to death might be somewhat offset by an increase in social security benefits.

PVW

https://finance.yahoo.com/video/hospitals-could-kill-health-insurance-173400158.html Woow, would this be a game changer? What do you think? It already happened in Pennsylvania with the University of Pittsburgh Medical Center getting into the health insurance industry. Initially you might expect tha...

PVW

retire57 wrote: Thanks PVW for the suggestion. RLI worked out.

You're welcome.

PVW

pshonore wrote: I don't think window wells are designed to be water tight and in my case compounded the problem.

Right, but they should be designed to easily drain water out of the bottom so reducing the rate of water infiltration into the window well might solve the problem.

PVW

Hi- My neighbor's driveway is sloped towards my house and in heavy rains, I can see water running from his driveway straight into my window well. A few years ago, he replaced the driveway and it is higher than my window wells. In heavy rains, I've had water in my basement and have it documented tha...

PVW

My annual contribution equals about 4% of my portfolio. I expect annual market changes in the range of 10%, so 4% is significant. When daily or weekly market swings are equivalent to my annual contribution, then I might not notice the effects of my contributions. In another light, my annual savings ...

PVW

retire57 wrote:Must you have your vehicle insurance with one carrier in order to obtain umbrella insurance?

No
https://www.rlicorp.com/personal-umbrella-policy

PVW

So you don't want to talk to anyone in the Government about this? Some good info here. http://www.laanimalservices.com/about-animals/wildlife/ Given your options, the best coyote deterrent would be stopping your neighbors from attracting them. If they are purposefully feeding wildlife, it's probabl...

PVW

Overstock has paid bitcoin bonuses to their employees.
http://www.ibtimes.co.uk/bitcoin-friend ... es-1459424

PVW

IRS considers Virtual Currencies as property.

https://www.irs.gov/uac/newsroom/irs-vi ... y-guidance

PVW

Scenario, you want any assets that remain after you die to essentially vaporize so no one (person, institution, Government, Church, Charity) can benefit from them. Take it with you. By this I mean convert your estate value into cash and have it buried with you. Might have to do something elaborate ...

PVW

but you are aware that your employee committed fraud and you have done nothing to rectify the situation. If you do nothing you are aiding in fraud which would make you an accomplice. No, it wouldn't. There is no 'failure to report' law in Illinois that applies to this situation and to be an accesso...

PVW

As mentioned above, your dad has to use the IRS rules to determinewhether you are an independent contractor or an employee: https://www.irs.gov/businesses/small-businesses-self-employed/independent-contractor-self-employed-or-employee If he follows the rules, he cannot arbitrarily pick one vs the ...

PVW

I am not a lawyer, but you are aware that your employee committed fraud and you have done nothing to rectify the situation. If you do nothing you are aiding in fraud which would make you an accomplice.

PVW

If it doesn't need to be that exact size, then aluminum sheet pans (full, half, quarter) are generally very reasonable at restaurant supply stores. But be careful, they can be a bit expensive for name or department store brands.

PVW

pascal wrote:Hindsight bias I suppose.

If you want to cure yourself of hindsight bias, make some predictions now and see how they do in the future. But then I guess there is the possibility your predictions will work out and you can easily mistake luck for skill.

PVW

Almost all "tax efficient" posts and articles point to Federal and state taxes. I have read nothing that refers to SS taxes efficiency (while working as an employee). Is there such a way to have this tax reduced? Trying not to be too political, but I'm happy to pay SS tax. This is one case where I ...

PVW

MP173 wrote: Is there an arbitration service to take this to, or should I contact a lawyer?

What does GM owe you? They weren't obliged to extend your warranty and they are not obliged to retroactively honor it.

PVW

Why? Is it a showstopper that MNF doesn't start until 8:30pm?? Everything seems to run "late", including the sunrise time. It is hard to explain in words, but every time we visit somewhere in the eastern time zone, things just feel "off." I agree. I lived most of my life in the Mountain Time Zone. ...

PVW

If mitigation is needed, how quickly do I need to get it repaired The EPA explains risk in terms of Radon levels and exposure over a lifetime. Given that timescale, as a tenant, I wouldn't be too concerned about a few extra months of exposure. https://www.epa.gov/sites/production/files/2016-12/docu...

PVW

Calculus, and the closely related field of differential equations, are what separate STEM from non-STEM. You don't need precalc to be successful, but I think it would be a shame to remove that opportunity just because some people on the internet said you should give up on helping your kid succeed in...

PVW

I was once billed for 15 minutes of time ($90) for a lawyer sending me a bill... but the bill had nothing on it except that 15 minutes of time for sending me that bill (for no services provided; hadn't talked to him in months). Charged to send me a bill for nothing else but the act of sending an ot...

PVW

I don't want to get lawyers involved In many cases, lawyers can help figure out who is in the wrong, but in this case I agree you probably don't want a lawyer. When it comes to drainage issues, you probably don't want to stick to the letter of the law and, without knowledge of your local laws, it's...

PVW

For an average 69 year old male, you have about a 71% chance of living to age 79. Your average life expectancy is about 15 years and you have about a 28% chance of living to 89. m Giving up some income to guarantee your pension payout for 10 years will not result in the highest expected return, but ...

PVW

If your other assets are (or will be) significantly greater than the value of this house, I recommend doing whatever feels right - e.g., if you both want to be "invested" in owning a home, then put both your names on the deed and mortgage, maybe you 2 are more comfortable with a landlord t...

PVW

I used to be an avid mountain biker in challenging terrain. The best piece of encouragement/advice I ever got was "learn to love the uphill ride". If your job is technical support, learn to love the incompetent people. They are job security. You will get noticed by both the incompetent peo...

PVW

If you are asking what you would expect to pay for healthcare if you didn't rely on any kind of insurance, then these studies might be useful (but a bit dated). Prudential estimates that from age 65, the average couple would spend about $200K. Which seem reasonable to include in your retirement savi...

PVW

I guess moth balls have pesticides in them that kills the moths. The poison is bad stuff and can kill all kinds of things. See below for links. I will be more careful putting them out to drive away animals. m m Good Luck. Thanks. Learn something new everyday. I had no idea mothballs were pesticides.

PVW

FWIW- Had a skunk give birth under our sun room. Threw 10 to 15 moth balls under the sun room porch and that night we watched the mother carry two babies, one at a time in her mouth out from under the porch. Also had a racoon move into our boat, and after scattering a bag of moth balls in the boat ...

PVW

No major problem with the amount of the bill. The concern is with the time with the doctor which was 5 minutes (no procedures, only talk, ordered some tests). What are you appealing? This statement indicates you are dissatisfied with the amount of time you spent with your doctor. What do you expect...

PVW

First be sure whether or not she would appreciate a gesture. I know an assistant (who is the brightest star in my sky) that is quite insulted by the special day.

Edited to add: Sorry OP, I didn't mean to attract the pedants and derail your thread.

PVW

RudyS wrote:BUT, I never complained to anyone other than my wife!

I agree with the general consensus that complaining about the boss is bad, but it can be very cathartic, especially if your boss is causing you stress. Find someone you can trust to complain to.

PVW

Another consideration is future inflation rate. A mortgage is an inflation hedge because you are paying off today's expenditures with tomorrow's inflated dollars. If you expect high inflation, then keep a low rate mortgage and vice versa.

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