Search found 1647 matches

by island
Mon May 29, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: High School Graduation Gifts
Replies: 21
Views: 2029

Re: High School Graduation Gifts

This is a very timely topic. I like the book idea from physics teacher. What is the expectation on thank you notes? We rarely receive thank you from checks or gifts we send, which is frustrating. Is there an easy way to bring it up? Taking a few minutes to write a note or even an email goes a long ...
by island
Mon May 29, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 9399

Re: Play Money for Spouse....

You are married. Finances are joint. She does not need your permission for specific expenses. You do need agreement on overall budget and types of expenses that are OK or not OK. Whoa! As I said in my OP, this is her request, not mine! She is welcome to spend whatever she wants from our joint accou...
by island
Sun May 21, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: No estate plan, are DIYs wills good enough for now? CA residents need ASAP
Replies: 18
Views: 1514

Re: No estate plan, are DIYs wills good enough for now? CA residents need ASAP

RudyS wrote:And powers of attorney, general and healthcare.

Yes. At least the healthcare legalities are taken care of.
by island
Sun May 21, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: No estate plan, are DIYs wills good enough for now? CA residents need ASAP
Replies: 18
Views: 1514

Re: No estate plan, are DIYs wills good enough for now? CA residents need ASAP

Seems like you should see an attorney. You have mid 7 figure assets. You can easily afford it if you make the time for it. The cost has never been a concern. As mentioned, it's deciding on the split when both of us are gone that's held us up. It's not a simple equal share situation. lso as mentione...
by island
Sun May 21, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: No estate plan, are DIYs wills good enough for now? CA residents need ASAP
Replies: 18
Views: 1514

Re: No estate plan, are DIYs wills good enough for now? CA residents need ASAP

Thanks for the replies. Just to clarify, the only concern right now is to ease the transfer and protect the assets going to the spouse if the worst should should happen regarding the surgery. Both realize they could both go up in a puff of smoke at any moment, but the event 2 weeks from now is the c...
by island
Sun May 21, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: No estate plan, are DIYs wills good enough for now? CA residents need ASAP
Replies: 18
Views: 1514

No estate plan, are DIYs wills good enough for now? CA residents need ASAP

In a nutshell... Procrastinating married couple in CA who have no estate plans in place yet, not even wills. One spouse is having surgery in about 2 weeks and it gets one thinking... Couple has mid 7 figure assets and a greatly appreciated morgage free home all jointly owned and titled. All assets g...
by island
Sun May 14, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Signature Cookware vs Calphalon?
Replies: 29
Views: 3401

Re: Costco Kirkland Signature Cookware vs Calphalon?

Do you have to get an aluminum based & non stick cookware? As a person who cooks 3-4 times a week; and hosts a large party (10+) every 2 months I strongly recommend quality stainless steel cookware. Yes, they cost most money but I guarantee you won't be disappointed. Have an AllcLad set which I...
by island
Sun May 14, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 27
Views: 2428

Re: Replace floor BEFORE or AFTER New Cabinets?

Flooring last is typically what I see here, but figured into the calculations, because often seems to extend under some appliances. Please consider giving your wife credit for knowing her own mind and that she wants a kitchen update for herself, not that she's been brainwashed by HGTV or the neighbo...
by island
Sun May 14, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: Anyone catching the CNBC movie Madoff: from Millions to Billions???
Replies: 15
Views: 4011

Re: Anyone catching the CNBC movie Madoff: from Millions to Billions???

davidkw wrote:It is four hours, tonight and again tomorrow

Oh, so even worse. :D
by island
Sun May 14, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Signature Cookware vs Calphalon?
Replies: 29
Views: 3401

Re: Costco Kirkland Signature Cookware vs Calphalon?

Like you, I new pots and pans too and can't decide. I want non-stick that isn't too heavy with handles that don't get hot. I looked at the first 2 sets you noted. Found the Kirkland weight and handle angle more comfortable, but read handles get hot so nixed it. Handles get hot on the second set too ...
by island
Sun May 14, 2017 1:53 pm
Forum: Investing - Theory, News & General
Topic: Anyone catching the CNBC movie Madoff: from Millions to Billions???
Replies: 15
Views: 4011

Re: Anyone catching the CNBC movie Madoff: from Millions to Billions???

Nope, not wasting 2 hours. I've heard enough about him.
by island
Sun May 14, 2017 1:43 am
Forum: Personal Consumer Issues
Topic: Do I have a problem in the backyard in need of a professional?
Replies: 34
Views: 4077

Re: Do I have a problem in the backyard in need of a professional?

Well, learn something new everyday. Never seen or heard of these before this post.
by island
Sat May 06, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Recs for moisturizer w sunscreen please.
Replies: 15
Views: 1408

Re: Recs for moisturizer w sunscreen please.

Thanks for the suggestions, will check them out. I know nothing about the non US options.
by island
Mon May 01, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Multiple Times During Year
Replies: 4
Views: 587

Re: Backdoor Roth Multiple Times During Year

That will work, but no need to wait a week. I usually only wait long enough that the money transfer is recorded on both ends. Maybe I'm misunderstanding what you wrote, but you also don't need to open a new TIRA every time. I started doing backdoor ROTH conversions about 4-5 years ago. I opened a TI...
by island
Sun Apr 30, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 7640

Re: Favorite Financial Indulgences

A coffee and a pastry, a candy bar or an ice cream are "financial" indulgences? Seriously? :confused OK better keep working and saving kids! :twisted: Yep, Starbucks and a pastry is a financial indulgence from my perspective. But it was a latte not a coffee. I will work harder to met your...
by island
Sun Apr 30, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting Tax Guide - 2017
Replies: 18
Views: 2847

Re: Interesting Tax Guide - 2017

Thanks for the link. I downloaded the freebie and will check it out.
by island
Sun Apr 30, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 7640

Re: Favorite Financial Indulgences

A coffee and a pastry, a candy bar or an ice cream are "financial" indulgences? Seriously? :confused OK better keep working and saving kids! :twisted: Yep, Starbucks and a pastry is a financial indulgence from my perspective. But it was a latte not a coffee. I will work harder to met your...
by island
Sun Apr 30, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 7640

Re: Favorite Financial Indulgences

A coffee and a pastry, a candy bar or an ice cream are "financial" indulgences? Seriously? :confused OK better keep working and saving kids! :twisted:
by island
Sun Apr 30, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Recs for moisturizer w sunscreen please.
Replies: 15
Views: 1408

Recs for moisturizer w sunscreen please.

I'm looking for some sunscreen products for my face that aren't irritating to skin or eyes. 1. A good moisturizer with sunscreen that I can wear everyday. 2. A straight sunscreen for my face if I'm out playing. Tried Neutrogena for sensitive skin a few times and ended up with dry red chapped skin th...
by island
Sat Apr 29, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Old 401ks and Backdoor Roth. What to do?
Replies: 8
Views: 461

Re: Old 401ks and Backdoor Roth. What to do?

If fund choices and expenses are better just leave the 401K as is. My DH did that with an old 401K. Left it in place for probably 15 years! Company was bought a few times and the 401K custodians also changed, but there was never a problem with those changes or keeping track of it. Not like he was ob...
by island
Tue Apr 25, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 3467

Re: co-worker had a baby chipping in on gift- how much?

$20 seems reasonable, I'd have no problem with that, but as you can see from the responses many do, for various reasons.
Best to ignore the opinions of anonymous strangers on the internet and make up your own mind.
by island
Sun Apr 23, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is this tax deductible?
Replies: 19
Views: 1410

Re: Is this tax deductible?

FYI - I fixed the thread title spelling from "deductable" to "deductible". OMG thank you; I didn't catch that! And of course it's repeated at the top of every reply. :oops: Is that something I could corrected myself? In a different thread I started, I tried to add UPDATE to the ...
by island
Sun Apr 23, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is this tax deductible?
Replies: 19
Views: 1410

Re: Is this tax deductible?

No. You cannot deduct being nice from your taxes. Hmmm, something you shouldn't have to worry about. Thanks for the snarky response. :twisted: I'm sorry it was misinterpreted. I actually thought you were pulling my leg and my response was meant in jest. The IRS has specific rules regarding charitab...
by island
Sun Apr 23, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 20467

Re: Any regrets living a frugal life for high income/high networth individuals?

I regret that I DID NOT live a frugal lifestyle from the age of 29-34. Those were the first 5 years of attending salary after residency. We could have easily paid off all my student loans and put a very nice chunk of change into retirement accounts. Instead we upgraded our lifestyle with a big fixe...
by island
Sun Apr 23, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Is this tax deductible?
Replies: 19
Views: 1410

Re: Is this tax deductible?

I would say no. First, you can't deduct gifts to individuals. Second, even if it were gifts to the AL Home, that organization is probably not a 501(c)(3) org. Thanks for the info. Yes I'm not sure how the org is classified. Yesterday she told me the owner mentioned she hopes to add a large screened...
by island
Sun Apr 23, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Is this tax deductible?
Replies: 19
Views: 1410

Re: Is this tax deductible?

Artsdoctor wrote:No. You cannot deduct being nice from your taxes.

Hmmm, something you shouldn't have to worry about. Thanks for the snarky response. :twisted:
by island
Sun Apr 23, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is this tax deductible?
Replies: 19
Views: 1410

Is this tax deductible?

Friend has an elderly relative who lives in a small assistive living facility, 15-20 residents. Visits frequently and its morphed into basically volunteering time, which I know is not tax deductible. As she's gotten to know the residents she's doing more, spending time with them and running errands ...
by island
Sat Apr 22, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: TLH question please. Doing my taxes.
Replies: 10
Views: 925

Re:UPDATE. TLH question please. Doing my taxes.

Hi everyone. Just wanted to say thanks for your help! Like some of you suggested, I took the plunge and imported the 1099-B. So the covered shares were entered for me and seeing what that looked like along with the Turbo Tax instructions, made it easy for me to complete the section for non-covered s...
by island
Mon Apr 17, 2017 1:03 am
Forum: Personal Finance (Not Investing)
Topic: TLH question please. Doing my taxes.
Replies: 10
Views: 925

Re: TLH question please. Doing my taxes.

Can't download because majority are non covered shares, purchased long before companies had to keep track of cost basis.
by island
Sun Apr 16, 2017 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: TLH question please. Doing my taxes.
Replies: 10
Views: 925

TLH question please. Doing my taxes.

Hi all I tax loss harvested in 2016. First timer for that and for selling anything in taxable actually. I think I've got the cost basis down; all shares are long term and majority are non-covered. Just started my taxes on Turbo Tax, but haven't gotten to the section to enter 1099B info for the sales...
by island
Sat Apr 15, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 11686

Re: My kids don't care about saving

Are you saying they aren't saving anything for retirement at this point?
Not contributing to 401Ks etc at work or just aren't contributing beyond that, to the ROTH you started for them at VG?
by island
Sun Apr 02, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 32
Views: 2092

Re: What to see in Philly?

abner kravitz wrote:I would hit the Philadelphia Museum of Art and the Barnes Foundation Museum, and spend a couple of hours in each. They are very close to each other, and both are fantastic.


+1
by island
Sun Apr 02, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 25165

Re: Low-earners- What is your profession?

Well OP why not start by telling us your and your wife's profession? :D
by island
Tue Mar 28, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Daugther's Credit Card Windfall
Replies: 40
Views: 5025

Re: Daugther's Credit Card Windfall

LarryAllen wrote:Scary that any adults think this is even remotely acceptable. Sad really. I would be embarrassed if my wife tried to support such THEFT.


Couldn't agree more.
by island
Mon Mar 27, 2017 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 12430

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

Toons wrote:It won't change a thing.
The guy is trying to make a living.
Most people have to.
Just so happens he is in sales.
Move on :happy


Exactly. I don't understand the point of a post like this other than to stir up those that take the bait. It's all been said a million times before.
by island
Sun Mar 26, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Does living at the beach reduce it's appeal?
Replies: 43
Views: 6450

Re: Does living at the beach reduce it's appeal?

Any of you who replied care to tell us where you're located?
by island
Sat Mar 18, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: rewriting will
Replies: 17
Views: 1301

Re: rewriting will

Does seem extreme. A new baby upsets the balance and it might take several years to come to a new equilibrium. I have no idea what has caused the rift in the OP's situation. But, I have most often seen this scenario when the grandmother chooses to apply her own opinions on child rearing instead of ...
by island
Sat Mar 18, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: rewriting will
Replies: 17
Views: 1301

Re: rewriting will

Slow down. Sounds like new baby is only on the scene for about a year? If so why not try to be understanding while the parents find their way and adjust themselves? Have you or your spouse talked to his son about how you feel? Are you sure these slights are intentional? I know many couples who just ...
by island
Sun Mar 05, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Describe your Reasonable Dream Home
Replies: 51
Views: 3616

Re: Describe your Reasonable Dream Home

Ocean view home in San Diego County short walking distance to a swimable beach that isn't surrounded by tourist or seasonal rentals. It doesn't exist so the rest of my dream home details don't matter. Anyone else care to share WHERE there dream home is located? What town(s), state(s)? +1. Where is ...
by island
Sun Mar 05, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Describe your Reasonable Dream Home
Replies: 51
Views: 3616

Re: Describe your Reasonable Dream Home

Ocean view home in San Diego County short walking distance to a swimable beach that isn't surrounded by tourist or seasonal rentals. It doesn't exist so the rest of my dream home details don't matter.

Anyone else care to share WHERE there dream home is located? What town(s), state(s)?
by island
Sun Mar 05, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should federal employee communicate 18 months to retirement?
Replies: 44
Views: 3542

Re: Should federal employee communicate 18 months to retirement?

Nope for the same reasons Mortfree mentioned. Plus the last sentence of your post indicates there is no upside for any of your coworkers by you announcing it now. There is just too much that can happen over 18 months. Your employer could decide to let you go sooner knowing you have one foot out the ...
by island
Sat Mar 04, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't I save enough to have decent vacation or restaurant meal
Replies: 125
Views: 12090

Re: Why can't I save enough to have decent vacation or restaurant meal

3 pages, over 100 posts and Saddle Up hasn't been back since posting his OP.
Must have saddled up and rode off into the sunset. Or maybe took some suggestions and found enough cash to take a decent vacation now. 8-)
by island
Fri Mar 03, 2017 3:08 am
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 4389

Re: Family Hounding me to Purchase SUV or Minivan

Wow what a silly thing to hound you about! Why do they care, are they in the auto biz? :annoyed If that's what they talk about among themselves how sad is that? Just tell them to mind their business, you're tired of hearing their opinions about your vehicles. No song and dance or can't afford it BS....
by island
Sat Feb 18, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 7917

Re: Need advice on girlfriend debt/finances

Why is she only working 25 hours a week?
by island
Thu Feb 16, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 2984

Re: Convince Wife for Honda Odyssey

If you want a mini van, you get it and drive it and let her choose what she wants to drive.
by island
Thu Feb 16, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 44
Views: 4072

Re: How long do you keep your kitchen sponge?

UncleBen wrote:Sponges are gross..


Agree. I don't use them in the kitchen
by island
Sun Feb 12, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 3)
Replies: 123
Views: 14560

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 3)

I'm confused about "update page 2" and "update page 3" - what does that mean? How can I find just the updates? I don't want to read the entire thread again. Just read backwards on pg 3 to find the OPs February 2017 post. Also I think you can click on the OPs username to find cur...

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