Search found 2502 matches

by carolinaman
Wed Aug 23, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 2193

Re: Would you hire an obese nanny?

If she is best candidate otherwise, I see no problem in hiring her.
by carolinaman
Wed Aug 23, 2017 7:32 am
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 25
Views: 1665

Re: Possible January trip to Naples, Italy / Amalfi Coast

I was in Italy 2 years ago in September. Spent most of my time in Tuscany and Rome. While in Rome, I took a day trip to Pompeii and Amalfi coast. It was too much to do in one day but was my only chance to do it. I was somewhat disappointed with Pompeii. I understand that most of artifacts from volca...
by carolinaman
Wed Aug 23, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: DirecTV vs. Dish vs. Cable
Replies: 21
Views: 1460

Re: DirecTV vs. Dish vs. Cable

Only have experience with cable. Used TWC for very long time (now Spectrum). Their service and reliability have been very good. What is not good is the price, which is expensive. They have become less willing to negotiate price. AT&T now has service in our neighborhood. I know people who switch back...
by carolinaman
Wed Aug 23, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Spend down plan for mom and dad - help needed
Replies: 7
Views: 1341

Re: Spend down plan for mom and dad - help needed

Having an elder law attorney develop a plan in case your father needs long term care is a good first step. The attorney may take some options off the table. I would definitely talk to the attorney before selling the house. Other near-term actions to consider: - Sell the truck as it's a depreciating...
by carolinaman
Wed Aug 23, 2017 6:53 am
Forum: Personal Consumer Issues
Topic: Returning / Exchanging purchased items ?
Replies: 22
Views: 1209

Re: Returning / Exchanging purchased items ?

LL Bean is famous for the return policy and have touted to me when visiting their store. I would never feel comfortable taking advantage of them or other retailers despite their lenient policies. However, if I have a problem with something or it does meet my expectations, I will return it.
by carolinaman
Wed Aug 23, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 35
Views: 2609

Re: Lowes vs Home Depot

I have one of each nearby. Generally prefer Lowes because store is cleaner and better organized. The assistance I get from store personnel is about the same. I do use HD for rentals of equipment as Lowes does not offer rentals except for trucks to haul stuff.
by carolinaman
Mon Aug 21, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Other financial sites worth reading
Replies: 14
Views: 2733

Re: Other financial sites worth reading

I still read Morningstar and find useful articles there. Oblivious Investor is good as is thefinancebuff
by carolinaman
Mon Aug 21, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Seal off rooms that are not used?
Replies: 21
Views: 2850

Re: Seal off rooms that are not used?

I would not seal the room off. Good air flow is necessary for a house and if you seal it off I would fear over time you might have mustiness, mildew and possibly mold. This would be especially true in the hot, humid South where I live.
by carolinaman
Mon Aug 21, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 4966

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

How long should a password be according to their recommendation?
by carolinaman
Mon Aug 21, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Issues with Contractor for Water Damage
Replies: 7
Views: 611

Re: Issues with Contractor for Water Damage

Based on what you said, I would not have confidence in this contractor. I suggest you tell the insurance company this guy is dragging his feet and you would like to get competitive bids from other contractors. I am sure they will say yes and then you should proceed with doing that. Depending on how ...
by carolinaman
Sat Aug 19, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Cancer at 38. Going from high income to no income. Need help generating income from $5m portfolio
Replies: 45
Views: 9212

Re: Cancer at 38. Going from high income to no income. Need help generating income from $5m portfolio

I have nothing to add that would help you regarding the financial aspect. There are many people on this board smarter than me in that respect. But I will pray for your husband and your family! God Bless. +1. I am sorry to hear of your spouse's condition and will also pray for him and you. He is for...
by carolinaman
Sat Aug 19, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 6751

Re: DUI lawyer - need advice

Lawyers specializing in DUI and traffic offenses know how to work the system for their clients' advantage. I have no experience with DUI but I hired a lawyer to deal with my son's multiple traffic offenses. His company laid him off because they could not insure him. In a few weeks, the lawyer was ab...
by carolinaman
Fri Aug 18, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: popcorn ceiling, removal or drywall over it?
Replies: 41
Views: 2611

Re: popcorn ceiling, removal or drywall over it?

It is my understanding that it is usually just scraped off of the ceiling. The drywall can be touched up and painted after. I have never heard of putting another layer of drywall up to just avoid the mess. Both options will make somewhat of a mess. I disagree. I have done it both ways and putting a...
by carolinaman
Thu Aug 17, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Paying directly for damage caused to someone else's car
Replies: 17
Views: 1285

Re: Paying directly for damage caused to someone else's car

I think it is fine to pay out of pocket, but I would want a release of liability form signed in exchange for the check. https://legaltemplates.net/form/release-of-liability-waiver/ +1. I have done this a couple of times for minor damage. Always get the other party to sign a simple document that sta...
by carolinaman
Thu Aug 17, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: quick estate question
Replies: 56
Views: 2715

Re: quick estate question

No will or executor. The attorney said the credit card debt and medical are unsecured debt they are small and they never come after the children for unsecured debts. I will have to call a few other attorneys and see if they give same advice. Someone dying without a will died "intestate". I am not a...
by carolinaman
Thu Aug 17, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: quick estate question
Replies: 56
Views: 2715

Re: quick estate question

Mother in law passed a few days ago in Illinois. Has a small estate home payed for worth 125K old car worth 2,000 and a bank CD 24,000 5 children in estate. Has a small credit card balance of $400.00 owed and a few small medical bills. Telephone attorney said take the money out throw the bills out ...
by carolinaman
Thu Aug 17, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 9630

Re: Anyone planning on never retiring?

I think it depends a lot on your job satisfaction. If you really enjoy your job and the people you work with, working longer makes more sense. Also, in conjunction with that, if you do not have any meaningful hobbies or outside interests and limited social contacts, again, work makes more sense even...
by carolinaman
Wed Aug 16, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4557

Re: Best Housing To Avoid Noise

I live on 2 acre lot, 350 feet from road, a dead end street. I do have a couple of neighbors on one side, but it is really quiet. Most single family homes today are built on tiny lots that do not shield from noise of neighbors.
by carolinaman
Wed Aug 16, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: How much coverage should I buy in an umbrella liability policy
Replies: 15
Views: 1564

Re: How much coverage should I buy in an umbrella liability policy

IMO, someone with almost $5M net worth should probably have more than $3M umbrella policy. Maybe $5M to match your net worth. The relative cost of such a policy is very small compared to the protection it brings. Someone suing you is going to assume a high net worth since you own a $1M home. The ris...
by carolinaman
Mon Aug 14, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Alternatives/choices with ambulance or rescue squad
Replies: 25
Views: 1129

Re: Alternatives/choices with ambulance or rescue squad

This is a good question for all of us seniors who may have these issues in our future. The key seems to anticipate such needs and determine best course of action if (more likely when) they occur. Trying to figure it out after something has happened is too late. Time and proper diagnosis are crucial ...
by carolinaman
Sun Aug 13, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: Should I buy a paint sprayer?
Replies: 10
Views: 885

Re: Should I buy a paint sprayer?

I have a mid grade Wagner sprayer. It works great for staining decks using oil based stains. Not so great for spraying sheetrock interior using latex. The latex does not spray smoothly from the sprayer. I wound having to use roller after spraying to get smooth application. My bottomline is do by han...
by carolinaman
Fri Aug 11, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Opinions Needed - Are We Good?
Replies: 32
Views: 2622

Re: Opinions Needed - Are We Good?

I gotta say, sometimes this board cracks me up. If I'm not missing anything, you guys have close to $3M in assets if you liquidate everything, not including the costs associated with that liquidation. If you really want to quit very soon, given your expenses, I see very little risk in it not workin...
by carolinaman
Tue Aug 08, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3745

Re: Boston to Maine road trip

As others have suggested, a tour of the Southern Maine beaches and lighthouses is really neat. There are quite a few lighthouses in Portland area that can be viewed in a couple of hours. We always visit LL Bean in Freeport when in Maine. It is a unique store. We have stayed at Samoset Resort in Rock...
by carolinaman
Tue Aug 08, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 7809

Re: kids think lazy if retire?

I am almost 50, and I’m thinking taking a multi-year break from work. (I have 30 times expense in investments, excluding fully funded college accounts .) I have three teenage kids, and I’m worried the effect of me not working will have on them. I’ve started taking days off during the week-- and the...
by carolinaman
Mon Aug 07, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Forced Early Retirement - Advice Sought
Replies: 32
Views: 4459

Re: Forced Early Retirement - Advice Sought

I would encourage you to look for another position. Many people with an IT background at your age should be able to find another position, although it may be at a much lower salary. If you do not feel your skills are current, you have time to take classes to update your skills before your current jo...
by carolinaman
Mon Aug 07, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Collective wisdom on fraud prevention
Replies: 3
Views: 281

Re: Collective wisdom on fraud prevention

Some people advocate using a separate computer for all access of sensitive accounts, i.e. financial, medical, etc. Use regular computer for general computing, email and Internet access. I do not do this approach personally but it does reduce your fraud risk.
by carolinaman
Sat Aug 05, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Where to watch Eclipse in South Carolina?
Replies: 7
Views: 869

Re: Where to watch Eclipse in South Carolina?

I live in Charlotte area, about 90 miles north of Columbia, and outside the main eclipse path. Local college professor says that Winnsboro, SC is a good spot and she will be there. It is located about 30 miles or so north of Columbia. This is link to her website: http://kristenlthompson.com/eclipse2...
by carolinaman
Fri Aug 04, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: Home Remodeling Expenses
Replies: 12
Views: 1381

Re: Home Remodeling Expenses

If your remodeling improves the liveability of your home and gives you and family pleasure, go for it. You are doing well in your finances and this is a chance to derive some pleasure from your money rather than hoarding it. I would suggest phasing this in. Perhaps do the floors, then the bath and f...
by carolinaman
Thu Aug 03, 2017 8:10 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo - what the kittens?
Replies: 36
Views: 2770

Re: Wells Fargo - what the kittens?

We are long time (50+ years) customers of WF, originally Wachovia which was a much more reputable bank than First Union or WF. We are troubled by the shenanigans at WF but have not been affected by them. We are satisfied with the services and banking there. I suppose out of protest we should switch,...
by carolinaman
Thu Aug 03, 2017 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 9615

Re: Burned out at 28. Do I have enough?

It sounds like you should make a change, but I recommend a deliberate and thoughtful approach to finding your next position. Stressful jobs can take their toll and deprive you of any quality of life. I am not sure what your alternative job opportunities may be because you did not provide any backgro...
by carolinaman
Wed Aug 02, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21279

Re: A poll: How much money do you need to retire?

Retire at age 66, would need $1.4M for annual spend after subtracting SS.
by carolinaman
Mon Jul 31, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Sunroom Worth It?
Replies: 15
Views: 2173

Re: Sunroom Worth It?

Sunrooms are great. We converted a screened porch into one with vaulted ceiling and therma pane windows. It is great 9 months out of year and with auxiliary heat, 12 months out of year. You can install a heating and air conditioning unit so that it is heated/cooled space fairly inexpensively. Once d...
by carolinaman
Sat Jul 29, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Finance as a college major?
Replies: 50
Views: 4206

Re: Finance as a college major?

If someone wants to pursue a career in finance, I recommend getting a degree in Accounting. It is a more rigorous study and gives more options and potentially more income. Someone with an accounting degree is capable of doing anything a finance degreed person can do, but not vice versa.
by carolinaman
Sat Jul 29, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4225

Re: Wooden flooring in kitchen

We remodeled kitchen and installed oak flooring except under our refrigerator where we put tile. It is out of sight but refrigerator has the greatest risk for leaks, some that may go unnoticed, i.e. slow leak from icemaker line or others which can ruin flooring. It looks really nice and DW is happy ...
by carolinaman
Fri Jul 28, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 8866

Re: Should I Quit my 6-figure job?

What do you want to do? You need to think about that question and come up with some options of types of jobs and careers that you would like to do. This may involve some research and talking to friends and associates. Recruiters may be a good source of information. Look at this with a long range vie...
by carolinaman
Fri Jul 28, 2017 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Ready to retire - have I missed anything?
Replies: 24
Views: 3970

Re: Ready to retire - have I missed anything?

Your situation is similar to mine although I did not retire until age 66. Your pension and social security will provide nice income but may push you into a higher tax bracket once you reach 70.5 years when you must take RMDs. Also, you need to consider the tax impact when either you or your spouse d...
by carolinaman
Fri Jul 28, 2017 6:44 am
Forum: Personal Consumer Issues
Topic: Need advice - Job
Replies: 29
Views: 2235

Re: Need advice - Job

Don't ask for a match, just ask for a raise and not mention your job offer. Usually when management hears you have been looking and then asked to match your pay, you will be the next to go. Management may see it as a sign of your lack of loyalty. If they ever need to cut someone, you will be the ea...
by carolinaman
Thu Jul 27, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Helping MIL get to retirement
Replies: 12
Views: 1512

Re: Helping MIL get to retirement

She appears to be in good shape financially. However, living in a HCOL area like DC may be more difficult. Not sure why Chattanooga was chosen if not DC area. There are a lot of fine, lower COL areas between DC and there. I am not familiar with COL in these areas, but some place in Shenandoah Valley...
by carolinaman
Thu Jul 27, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 5307

Re: GF Picking a college major

Wow. I have an image of a 19 or 20 year old young woman, parents and BF with their boots on her neck, probably without realizing that they're choking off her air. Why isn't she the one posting? I totally agree. She is the one who must figure this out. One option might be to take a year off and work...
by carolinaman
Thu Jul 27, 2017 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Question about buying Mom's condo & Medicaid eligibility
Replies: 11
Views: 914

Re: Question about buying Mom's condo & Medicaid eligibility

My mother was in a nursing home for a short while on private pay. Once her funds were exhausted, she went on Medicaid in state of VA. Social Services administered Medicaid there and required me as POA to sell her home. They were very explicit on the terms of sale. It must be greater than tax apprais...
by carolinaman
Tue Jul 25, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Returning to College - Looking for Financing Advice
Replies: 21
Views: 1400

Re: Returning to College - Looking for Financing Advice

With all due respect, I find it surprising that you cannot fund cost of MBA with $200k income and no kids. I understand it is a HCOL area but I would really hate to incur debt with that level of income.
by carolinaman
Mon Jul 24, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Italy in August Trip (Rome, Florence, Venice)
Replies: 44
Views: 2637

Re: Italy in August Trip (Rome, Florence, Venice)

While in Florence take time to visit some of the hill towns and other sites in Tuscany. It is a beautiful area but will require a car to get around. Siena and San Gimignano are good to see and there are many others.
by carolinaman
Mon Jul 24, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: After market extended warranty new vehicle - worth it?
Replies: 14
Views: 943

Re: After market extended warranty new vehicle - worth it?

Sorry, you've been scammed. Hopefully you can get your money back. The problem is you have given over your money in hopes that it will be returned in qualifying services, the problem is they get to pick what qualifies, and in my experience and reading the warranties, basically nothing ever gets fix...
by carolinaman
Sat Jul 22, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Am I getting good advice - replace the AC, not the 21 year old furnace
Replies: 33
Views: 2768

Re: Am I getting good advice - replace the AC, not the 21 year old furnace

I recommend replacing both AC and furnace, especially if this is more cost efficient. There have been lots of improvements in heating systems in last 21 years. You will get a more efficient and much improved system, saving on heating costs and providing greater comfort.
by carolinaman
Fri Jul 21, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Are my parents a good fit for Vanguard Advisory Services?
Replies: 11
Views: 1341

Re: Are my parents a good fit for Vanguard Advisory Services?

I think doing some basic analysis to show the impact of fees in her current account versus a low cost, more simple portfolio would be good. Perhaps choosing a couple of good articles extolling the virtues of low cost investing and the impact of high fees long term. In essence, you are educating them...
by carolinaman
Fri Jul 21, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: State Farm vs Penn National- auto, renters, umbrella?
Replies: 58
Views: 5568

Re: Why does State Farm have poor reviews?

I am a former State Farm auto insurance customer; had to drop them after they raised premium by 50%. No concerns about customer service though as they were always prompt and dependable. Similar experience here on auto. Homeowners and umbrella increases have been minor. Two years ago I complained ab...
by carolinaman
Fri Jul 21, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Lexus to Camry, invest difference
Replies: 30
Views: 2759

Re: Lexus to Camry, invest difference

A dealer will bundle the trade-in and new car purchase to make it appear that you are getting a great deal. However, they look at this as two separate transactions: you selling your car to them and them selling their car to you. So should you. You likely will not get much better than wholesale on yo...
by carolinaman
Fri Jul 21, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Approaching major milestone, need cool-headed advice
Replies: 34
Views: 4946

Re: Approaching major milestone, need cool-headed advice

Retirees from my employer are eligible to continue on the university's health plans, but are of course responsible for the full premium. Notably, one isn't a retiree until one is withdrawing from one's retirement account, so I would not be eligible for this benefit for another 23 years. 23 years on...
by carolinaman
Fri Jul 21, 2017 7:29 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 4452

Re: MVNO's versus the Big 4

I used a smart phone service from Walmart that used Tmobile network. Service and coverage was good in metro areas but as soon as I ventured out of metro area, service and coverage was poor. I switched to Verizon and have been pleased with coverage and service. I was told later that Tmobile customers...
by carolinaman
Thu Jul 20, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Should we bird dog our probate lawyer?
Replies: 15
Views: 2072

Re: Should we bird dog our probate lawyer?

A mutual heir whom I am a confidante of is the executor of an estate. The probate lawyer made a biggish error several months ago which we caught before some tax returns were filed. When the executor pointed it out to him, the lawyer quickly corrected it and seemed to imply his office staff was the ...