Search found 147 matches

by Swimmer
Fri Jul 21, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Lexus to Camry, invest difference
Replies: 30
Views: 2512

Re: Lexus to Camry, invest difference

Keep the Lexus. You'll get low ball offers from dealers. The Lexus will last just as long as Toyota. Don't worry about the minor stuff that will happen anyway. Enjoy the car and have fun. The Lexus reliability will give you peace of mind . +1. I thought I needed a SUV and traded in my 2013 350 ES. ...
by Swimmer
Mon Jul 17, 2017 5:31 am
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6260

Re: anyone retire and move to a planned community in FL?

I just cannot fathom why anyone would want to retire in Florida. The summers are so insanely uncomfortable, you practically cannot do anything outside. Any outdoor activity basically have to do before 8am, otherwise it's too hot and humid. Also just being outside for like 30 seconds and you will be...
by Swimmer
Sat Jul 15, 2017 6:41 am
Forum: Personal Consumer Issues
Topic: Outside Pittsburgh short trip ideas
Replies: 36
Views: 2122

Re: Outside Pittsburgh short trip ideas

Steelersfan wrote:
prudent wrote:
TBillT wrote:Kennywood's open, of course :wink: .


I see what you did there. :D I did literally LOL.


Speaker yinzer much?????

lol



I haven't heard the Kennywood thing n'at in a while, yunz guys. Lol.
by Swimmer
Fri Jul 14, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 2986

Re: Road noise in 2017 Honda CRV?

I just purchased a 2017 CR-V EX. The road noise is not too bad in my opinion. The salesman said that Honda has added some extra insulation to the 2017 to address the problem in older models. Not as quiet as some luxury models, of course. I think you're correct. We went from a Lexus sedan to a CRV. ...
by Swimmer
Fri Jul 14, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Estate Planning-Question on Trust
Replies: 11
Views: 894

Re: Estate Planning-Question on Trust

At some point would you be willing to add one of your kids as co-trustee? Experience for many of has been that banks and other financial institutions routinely refuse to accept POA documents that are not on their specific forms. Whether the state laws say they should or not. But almost everyone wil...
by Swimmer
Fri Jul 14, 2017 4:47 am
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6260

Re: anyone retire and move to a planned community in FL?

Our experience with an active adult communites is very positive. We do pay fairly high HOAs but they support many social activities and amenities. Our social life is very active with a large group of friends. Most of those who move to this type of community are looking for much the same things: soc...
by Swimmer
Wed Jul 12, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 12860

Re: Costco with a "gentle" bump for memebership

Goal33 wrote:Not sure what I save or not but Costco is fun


I'm a person who hates to shop, but, I agree. Costco is fun. I don't know why.
by Swimmer
Wed Jul 12, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Jewelry insurance. Is it ever worth it?
Replies: 35
Views: 2913

Re: Jewelry insurance. Is it ever worth it?

Had a piece of jewelry get lost/stolen and insurance company paid $10k within two weeks. In that case it was a great investment! Bummed to not have the jewel anymore but the check helped sooth the pain of the loss. Curious. Typically, jewelry insurance is a rider on homeowners. Was your claim consi...
by Swimmer
Wed Jul 12, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 6407

Re: Personal loan to a family member

I mean no offense, but have you asked yourself WHY you "would like" to make this loan?
by Swimmer
Wed Jul 12, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 6407

Re: Personal loan to a family member

IMO a loan to a relative, however well intended, can backfire. You don't say what the amount involved is. Based on my unpleasant experience with a loan from my parents when we first married, we decided that if we couldn't afford to give the money to our kids, we would not lend it. A loan seems to bu...
by Swimmer
Wed Jul 12, 2017 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Jewelry insurance. Is it ever worth it?
Replies: 35
Views: 2913

Re: Jewelry insurance. Is it ever worth it?

I carried insurance the first couple of years on my diamond ring. As I became more physically active, I gradually stopped wearing it most of the time. I dropped the insurance and now I put it in my safe deposit box at my nearby bank. Every few weeks I retrieve it to wear for a special social occasio...
by Swimmer
Tue Jul 11, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10041

Re: Last 80 minutes of my career

Today is the 7th anniversary of my retirement! Your post reminded me. Coworkers thought I was insane for leaving so early. I enjoyed the job and traveled the world. Do I miss any of it? Not for a second! :D God bless you on this new chapter of your life!
by Swimmer
Tue Jul 11, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 12860

Re: Costco vs. other wholesale clubs

I like that Costco has no coupons, this tells me that their prices are close to what they pay. I get coupons in the mail from Costco every month. I am a member of Sam's, BJ's and Costco. I like Costco the best. No coupon required at the register. So why do they send them out? To lure you in. It mus...
by Swimmer
Tue Jul 11, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: 4th Q Roth conversion taxes
Replies: 5
Views: 387

4th Q Roth conversion taxes

I'm considering an additional Roth conversion later this year. I've planned Federal tax withholding and Estimated quarterly payments to adequately cover taxes for conversions so far this year. My question is: if I do another conversion, is it ok to add the (new conversion's) tax amount into the Sept...
by Swimmer
Tue Jul 11, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Family member fleecing Alzheimers victim
Replies: 26
Views: 4703

Re: Family member fleecing Alzheimers victim

The more I think about it the more likely it is that Step father will have to go into a VA retirement center as he will not be able to afford the private facility due to his health costs. If you are going to do this, start the process. I had my father placed with the VA. Very difficult, lengthy, sm...
by Swimmer
Tue Jul 11, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: Moto G4 Memory
Replies: 10
Views: 750

Re: Moto G4 Memory

DH and I recently purchased G4s at Target. I don't know the answer to your question, but if you stop by the electronics desk there and ask the Consumer Cellular Tech on duty he/she would probably be happy to help even if you didn't purchase there. These folks are so knowledgeable and helpful. Also, ...
by Swimmer
Tue Jul 11, 2017 6:03 am
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6260

Re: anyone retire and move to a planned community in FL?

We rented for three winters in The Villages before buying in 2012. We love it. There are countless opportunities for activities, growth, fitness, and volunteering. There are many ways to help others--both within and outside The Villages. There are always new things to learn. I've become a Master Gar...
by Swimmer
Tue Jul 11, 2017 5:36 am
Forum: Personal Consumer Issues
Topic: Ireland tour using CIE as tour operator
Replies: 6
Views: 791

Re: Ireland tour using CIE as tour operator

OP here...thanks to all for your responses.
by Swimmer
Sun Jul 09, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy
Replies: 13
Views: 1603

Re: Umbrella Policy

You should have it. Shop around to find a better deal. You should be able to get 1 million dollar coverage for about $200 a year. In order to get that type of deal - you might have to bundle your auto/home/umbrella policy with the same insurance company. Could cost depend on your state? We have a $...
by Swimmer
Sun Jul 09, 2017 5:26 am
Forum: Personal Consumer Issues
Topic: Android phone, which one?
Replies: 16
Views: 1275

Re: Android phone, which one?

DH and I just bought Moto G4s at Target for $124.99 each. Love them! Switched to Consumer cellular. All set up by a knowledgeable Tech guy at Target. We're very happy with them. Our CC plan is $35/month for both.
by Swimmer
Thu Jul 06, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Ireland tour using CIE as tour operator
Replies: 6
Views: 791

Re: Ireland tour using CIE as tour operator

We did this tour last year. Had a great time. Driver was very knowledgeable (and entertaining). For a first visit, well worth it. Only real downside was you are so busy visiting one venue after another you don't get the time to soak it in. We are looking forward to going back on our own and picking...
by Swimmer
Tue Jul 04, 2017 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Temporary Internal Promotion - Increased Compensation?
Replies: 73
Views: 4126

Re: Temporary Internal Promotion - Increased Compensation?

Dear manager, I'm excited about this opportunity, blah. okay. I think we can do x y and z during his period. Maybe you should be in the position for a little while before making plans/promises I would like for us to have an open agenda item should X's medical leave be extended beyond the six month ...
by Swimmer
Mon Jul 03, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Ireland tour using CIE as tour operator
Replies: 6
Views: 791

Ireland tour using CIE as tour operator

Hi, I'm considering a trip to Ireland using CIE as tour operator. I've googled and found some negative reviews and a couple positive ones...but not many total reviews at all unless there's somewhere else I should check. This tour is very pricey. I want to make sure I'm selecting the best operator. H...
by Swimmer
Sat Jul 01, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: swimming goggles
Replies: 29
Views: 2030

Re: swimming goggles

J295 wrote:I am using TYR (nose bridge not adjustable) and have no problems at all. I moisten the suction cups and the interior lenses before putting them on.



I don't know...I swam today and the Speedo Vanquishers, which never leaked in the past two months, leaked! Be careful and good luck.
by Swimmer
Fri Jun 30, 2017 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Hiring an executor for my will
Replies: 72
Views: 7098

Re: Hiring an executor for my will

I just spoke to a bank and all they seem to want to do is have me move my IRA's from three different places (Vanguard, Fidelity, TIAA-CREF) to them. Maybe my savings accounts (which are in higher interest paying internet banks) as well. Ummm. No. I hadn't intended to upend my entire investment stra...
by Swimmer
Thu Jun 29, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 142
Views: 8004

Re: What Car Should I Buy My Daughter as a Graduation Present

Our engineer son just traded in his 2002 Camry for a new, sporty Camry model. All he ever put into the 2002 was regular maintenance and tires!
by Swimmer
Mon Jun 26, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 12860

Re: Sam's Club vs. Costco

I have read so many comments, here and elsewhere, from rabid Costco fans that I have been eagerly anticipating a Costco opening nearby in the not-too-distant future. However, after reading this thread, I'm not so sure I will even join when it opens. As of right now, the only motivation I might have...
by Swimmer
Mon Jun 26, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Account - Payable on Death or Account Co-Owner
Replies: 14
Views: 1098

Re: Bank Account - Payable on Death or Account Co-Owner

I was listed as co-owner on my mother's account. It clearly made it easy for me to pay her bills. In PA there's an inheritance tax on everything. I had to pay it on half the funds in this account the date of her death. Fortunately, the balance wasn't too high. I don't think this inheritance tax is a...
by Swimmer
Fri Jun 23, 2017 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17622

Re: Siblings in disagreement over mom's house.

When we three sibs inherited our mom's house, each of our spouses had to sign when we sold it. This surprised me. Their names weren't on the deed. What if one of them decided not to sign?

This real estate was in PA.
by Swimmer
Thu Jun 22, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 4649

Re: What do you say when you cancel an account that you only opened for bonus?

Just say, basically, "I'm closing this account because I've decided to close it. My decision is firm." If they pester you for a reason, just keep giving variations on "I have made my decision." You can try the Sean Spicer variation:: "I'm closing my account because I strong...
by Swimmer
Thu Jun 22, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17622

Re: Siblings in disagreement over mom's house.

2pedals wrote:I think it is possible that a tenant in common could take out a mortgage on their share. The loan would have to be settled after a sale. A keeper would be reluctant to sell in this scenario, could this be why the keepers don't want to sell?


Yikes! That's an interesting thought. :annoyed
by Swimmer
Thu Jun 22, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Sending money and confirming receipt?
Replies: 18
Views: 1182

Re: Sending money and confirming receipt?

KlangFool wrote:OP,

What if you have the person's bank account # and deposit the money straight into the person's bank A/C?

KlangFool


I've done this. My bank confirms with an email to them. When funds hit their account, my bank sends me an email. Easy, no cost, very convenient for all.
by Swimmer
Thu Jun 22, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17622

Re: Siblings in disagreement over mom's house.

Update: 1. The house will be getting insurance at the latest by tomorrow. I am awaiting insurance company to contact me for payment. Btw keepers did not comment about getting insurance for the house. Forgive my bluntness, but there's only two end-games. I obviously think you should go for the latte...
by Swimmer
Mon Jun 19, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17622

Re: Siblings in disagreement over mom's house.

I still think the best option in this situation is to simply stop paying the taxes and let the municipality sell the home out from under all 5 of you. Does non payment of taxes adversely affect ones credit rating? Also, going this route could take a lot of time, I think, while you still have liabil...
by Swimmer
Sun Jun 18, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance options
Replies: 33
Views: 3298

Re: Umbrella Insurance options

I should have added that we live in Florida.
by Swimmer
Sun Jun 18, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance options
Replies: 33
Views: 3298

Re: Umbrella Insurance options

A few years back I switched my auto insurance from Farmers to USAA because the premiums kept going up and up. (No accidents.) I opted to keep my home insurance with Farmers because I am grandfathered in to earthquake insurance. Switching home to USAA would mean having to get earthquake insurance th...
by Swimmer
Sun Jun 18, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17622

Re: Siblings in disagreement over mom's house.

Have you and the other "seller" clearly communicated the financial liability you all share on this uninsured house? Since you sellers are the ones with deep pockets, you would likely be hurt most in the event of a suit. Perhaps your siblings don't understand this. I was involved with two s...
by Swimmer
Fri Jun 02, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is Flagship membership status worth a $50 [transaction] fee?
Replies: 40
Views: 5320

Re: Is Flagship membership status worth a $50 one time fee?

No. The only benefit was when Vanguard offered Turbotax free to Flagship members. I rarely call them, but when I have it automatically routes the call to your rep. If he's unavailable, you get a recorded message and routed to someone else who is, also, usually unavailable. I'd rather just call and s...
by Swimmer
Fri May 26, 2017 5:39 am
Forum: Investing - Help with Personal Investments
Topic: TaxCaster 2017
Replies: 5
Views: 1051

Re: TaxCaster 2017

Thank you both :happy
by Swimmer
Thu May 25, 2017 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: TaxCaster 2017
Replies: 5
Views: 1051

TaxCaster 2017

Is it available? When I try to get it, all I can access is my 2016 version. What am I doing wrong?
Thanks!
by Swimmer
Wed May 03, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: house washing - how long does it stay clean?
Replies: 5
Views: 879

Re: house washing - how long does it stay clean?

Here in the land of mold and mildew (Florida) we have our home washed twice a year at a cost of $55.
by Swimmer
Tue May 02, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Time to upgrade bed/bath linens
Replies: 23
Views: 2165

Re: Time to upgrade bed/bath linens

texasdiver wrote:Costco for both sheets and towels



+1

Great quality but sometimes towel colors are limited.
by Swimmer
Thu Apr 27, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8831

Re: Helping adult children

Thank you all for the many thoughtful and thought provoking responses. I truly appreciate everyone's input.
by Swimmer
Tue Apr 25, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8831

Re: Helping adult children

Son 1 has a lot of expenses, particularly with the children's many activities. We have been helping them with the many expenses related to activities as well as dental expenses and major home repairs... My question to you is "Has Son 1 asked for help?" I suggest you read "The Million...
by Swimmer
Sun Apr 23, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8831

Re: Helping adult children

LarryAllen wrote:Start a 529 for kid 2 with him as bene and then switch the bene to future grandkids when they have kids. If they don't have kids they can use the money by merely paying the penalty fee which isn't that big of a deal.


Thanks...actually we have done this.
by Swimmer
Sun Apr 23, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8831

Re: Helping adult children

I was once told - and I believe - that while you may not be keeping score, you're children are. I'd make every effort to even up the funds dispersed to date to 50 / 50 between the children and go 50 / 50 thereafter. I would seek to avoid the perception that one child won the grandchildren lottery a...
by Swimmer
Sun Apr 23, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8831

Re: Helping adult children

Swimmer, For years. my parents faced a similar question. In our case my DS and her family needed extra help (2 kids). My DB and I knew about it (high level) and didn't feel slighted in any way. Both of us and our families were doing well and didn't need the extra assistance Not only did my parents ...
by Swimmer
Sun Apr 23, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8831

Helping adult children

Ok, I read Beyond the Grave and am feeling a bit guilty. Here's our situation...we have two sons. Both are engineers and doing well in their careers. Son 1 has 3 active children and a stay-at-home wife who is a wonderful mom. Son 2 is married and his wife has an excellent career. They have no childr...
by Swimmer
Wed Apr 19, 2017 4:43 am
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 24
Views: 4333

Re: New phone..any advantages to buying at Costco?

Thank you all for your comments and suggestions. I always get excellent insights from Bogleheads!
by Swimmer
Sun Apr 16, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: New car...finance or not?
Replies: 17
Views: 1617

New car...finance or not?

So I am buying a new car. After trade balance is 22k. I can finance it at 2.4% or I can simply take the money out of my tIRA which I NEVER touch. (I have been retired 7 yrs). I am financially free and I love that. No loans of any kind. If I take the funds out of tIRA it barely makes a dent, but, of ...

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