Search found 1662 matches

by island
Sun Jul 30, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect preowned individual assets when not married and own home together
Replies: 11
Views: 942

Re: How to protect individual assets when not married and own home together

Common Law state? As mentioned it's California. Community property state, I just added that to the original post. Thanks. As for common law, I don't know. I don't know if a state can be both common and community. Will have to check that out. California does not have common law marriage - however, i...
by island
Sat Jul 29, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect preowned individual assets when not married and own home together
Replies: 11
Views: 942

Re: How to protect individual assets when not married and own home together

Depending on applicable state law, how the home ownership is "titled" might make a difference. One thing I would suggest is consulting an experienced attorney in the various types of such ownership and, possibly, take action to protect assets. With regard to title, are you talking about t...
by island
Sat Jul 29, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect preowned individual assets when not married and own home together
Replies: 11
Views: 942

Re: How to protect individual assets when not married and own home together

Depending on applicable state law, how the home ownership is "titled" might make a difference. One thing I would suggest is consulting an experienced attorney in the various types of such ownership and, possibly, take action to protect assets. With regard to title, are you talking about t...
by island
Sat Jul 29, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect preowned individual assets when not married and own home together
Replies: 11
Views: 942

Re: How to protect individual assets when not married and own home together

OZAR wrote:Common Law state?



As mentioned it's California. Community property state, I just added that to the original post. Thanks.
As for common law, I don't know. I don't know if a state can be both common and community. Will have to check that out.
by island
Sat Jul 29, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect preowned individual assets when not married and own home together
Replies: 11
Views: 942

How to protect preowned individual assets when not married and own home together

Coworker's situation... In a long term relationship (9 years?), but not married and no desire to do so. She and BF own a home together in CA ( community property state) both on title, morgage and share all expenses that go with it, "commingled" ( her term) with regard to THAT asset and bot...
by island
Sun Jul 23, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: How to view internet slideshows on 1 page?
Replies: 4
Views: 459

Re: How to view internet slideshows on 1 page?

Sometimes I come across internet slide shows I want to view, like home organization ideas, or shoes, but I don't want to click through 50 slides...or even 10 slides. So annoying. I recall someone on this site posted info on how to change something to allow viewing on one page. Try Deslide . It does...
by island
Sun Jul 23, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 50
Views: 3135

What's you safety deposit box fee?

if you have a safety deposit box can you please tell me what bank or credit union you use, what size, what you pay for it, and if you receive any discount for keeping a minimum balance there? We have one at our local BoA branch and even with 2 direct deposit paychecks, balances to keep free checking...
by island
Sun Jul 23, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: When doing retirement planning, do you count your spouse's savings?
Replies: 28
Views: 2365

Re: When doing retirement planning, do you count your spouse's savings?

We do. All our finances have been joint from day one. We were married 10 or 11 years by your age, saving, but certainly not crunching numbers for retirement projections at that age.
by island
Sun Jul 23, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: How to view internet slideshows on 1 page?
Replies: 4
Views: 459

Re: How to view internet slideshows on 1 page?

Thanks will look for that setting.
by island
Sat Jul 22, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: How to view internet slideshows on 1 page?
Replies: 4
Views: 459

How to view internet slideshows on 1 page?

Sometimes I come across internet slide shows I want to view, like home organization ideas, or shoes , but I don't want to click through 50 slides...or even 10 slides. So annoying. I recall someone on this site posted info on how to change something to allow viewing on one page. It was at least a yea...
by island
Mon Jul 10, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4462

Re: Coyote control

If you can't do a fence sounds like you can't do anything about the coyotes, but what about the "idiot" neighbors? Have you talked to them, shown them the video? I would.
by island
Sun Jul 09, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7538

Re: how to destroy hard disk with personal info

Unless you are a target of a Nation State then physically damaging such as drilling should be a good enough measure. Yes, good one. The sledgehammer/drill/screwdriver method is probably good enough for normal people's financial and tax records. Spies, on the other hand, need to send it through a re...
by island
Sun Jul 09, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7538

Re: how to destroy hard disk with personal info

I take the platters out and smash them. I've never seen a hard drive I could not take apart. Are you sure you looked hard enough for the screws? Usually Torx. Sometimes hidden under labels, stickers, etc The fasteners I see look like rivets, well more like a tiny rivet with a smooth round indentati...
by island
Sun Jul 09, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5015

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Curious, what do you eat (and drink) when not at work? Ever go to other restos or do you make all your own meals, only buy non-processed and organic fruits and veggies?
by island
Sun Jul 09, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7538

how to destroy hard disk with personal info

Have 5 hard disks from non working computers, all have some tax and financial info. Died before anything could be wiped, not that I'd trust that's enough anyway. Other than taking them somewhere to be shredded for $40+ a pop, can I do it myself? I've found a few threads and Googled for info. Nothing...
by island
Mon May 29, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: High School Graduation Gifts
Replies: 21
Views: 2238

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: 10444

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: 1663

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: 1663

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: 1663

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: 1663

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: 4541

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: 30
Views: 3336

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: 4385

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: 4541

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 1:43 am
Forum: Personal Consumer Issues
Topic: Do I have a problem in the backyard in need of a professional?
Replies: 34
Views: 4403

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: 1565

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: 637

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: 8103

Re: Favorite Financial Indulgences

A coffee and a pastry, a candy bar or an ice cream are "financial" indulgences? Seriously? OK better keep working and saving kids! 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 expectations in the...
by island
Sun Apr 30, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting Tax Guide - 2017
Replies: 18
Views: 2996

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: 8103

Re: Favorite Financial Indulgences

A coffee and a pastry, a candy bar or an ice cream are "financial" indulgences? Seriously? OK better keep working and saving kids! 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 expectations in the...
by island
Sun Apr 30, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 8103

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: 1565

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: 512

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: 3776

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: 1542

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. Is that something I could corrected myself? In a different thread I started, I tried to add UPDATE to the title, ...
by island
Sun Apr 23, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is this tax deductible?
Replies: 19
Views: 1542

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. 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 charitable contrib...
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: 21424

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: 1542

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: 1542

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: 1542

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: 997

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: 997

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: 997

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: 12204

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: 2265

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