Search found 122 matches

by marathonwmn
Thu Aug 11, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: How to address a college professor with a PhD (Dr. or Prof.)
Replies: 60
Views: 2727

Re: How to address a college professor with a PhD (Dr. or Prof.)

I agree with those who've posted that a person with a PhD should be addressed as Doctor until they ask you to do otherwise. It's a sign of respect.
by marathonwmn
Tue Jun 21, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: Where (safely and legally) to keep "cash"?
Replies: 78
Views: 5388

Re: Where (safely and legally) to keep "cash"?

In another country — not so far away, but a long time ago — my dad hollowed out a brick, stashed jewelry in it and used it to build a dog house. He also removed This might work for you, unless you intend to access your stash it on a regular basis!

Good luck!
by marathonwmn
Tue May 10, 2016 8:27 am
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 14884

Re: how much cash do you carry in your wallet?

Use my CC for everything.

I get cash for trips in case of emergency (amount varies by destination). What cash I don't spend on the trip, I'll keep in my wallet and spend down. I still have $20.00 from the $100.00 I got for my last trip which was in December.
by marathonwmn
Mon May 02, 2016 3:24 pm
Forum: Investing - Theory, News & General
Topic: The 1 website you'd recommend
Replies: 27
Views: 4412

Re: The 1 website you'd recommend

Thanks to everyone who replied. There's so much out there that I wanted recommendations from members of this forum.
by marathonwmn
Fri Apr 29, 2016 1:48 pm
Forum: Investing - Theory, News & General
Topic: The 1 website you'd recommend
Replies: 27
Views: 4412

The 1 website you'd recommend

Other than this one, Is there one website above all others that you would recommend for financial news, commentary and insight?

Which one?

Thanks!
by marathonwmn
Fri Mar 11, 2016 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Brother undercharged himself as family trustee
Replies: 26
Views: 3464

Re: Brother undercharged himself as family trustee

If you and your siblings have already discussed it, and agree that your brother should be compensated further, I'd try to reach a consensus on an amount the other siblings would be willing to GIFT your brother (i.e. -- all gift the same amount). It would mean a lot to him if each check was accompani...
by marathonwmn
Fri Mar 11, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: What happened to COSTCO free shipping?
Replies: 8
Views: 1555

Re: What happened to COSTCO free shipping?

Thank you, texasdiver! I agree that the shipping on other items is built into the price but the Costco online prices without shipping being stated have always seemed better than equivalent items bought locally.
by marathonwmn
Fri Mar 11, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 17905

Re: Netflix, Your Current Favorite Show

Currently watching 2 episodes per night of the new season of House of Cards.

Just finished watching all the episodes of Longmire
by marathonwmn
Fri Mar 11, 2016 8:50 am
Forum: Personal Consumer Issues
Topic: Engagement
Replies: 11
Views: 1716

Re: Engagement

I agree with all who've said to send the flowers to their new home after the honeymoon, and with Leemiller's suggestion of a bottle of champagne at the honeymoon hotel.

Another good gift you could give them is a link to Bogleheads.org. :wink:

Best wishes to your nephew and his bride to be!
by marathonwmn
Thu Mar 10, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: What happened to COSTCO free shipping?
Replies: 8
Views: 1555

What happened to COSTCO free shipping?

Please correct me if I'm wrong.

I thought that in the past I've ordered items from Costco and there were no shipping charges. Do they charge shipping on certain categories? Today I ordered a Samsung Tablet and Solar Powered Pathway lights. Shipping and handling was $15.98! :twisted:
by marathonwmn
Tue Feb 23, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: Need help understanding fees
Replies: 3
Views: 563

Re: Need help understanding fees

Thank you for the responses. I now feel I can better explain this to my friend.

Marathonwmn
by marathonwmn
Mon Feb 22, 2016 4:16 pm
Forum: Investing - Theory, News & General
Topic: Need help understanding fees
Replies: 3
Views: 563

Need help understanding fees

Hello, I have a friend who owns American Funds Invmt Co of Amer A (AIVSX) in a taxable account. Fees & Expenses Annual Report Expense Ratio (net): 0.59% Prospectus Net Expense Ratio: 0.59% Prospectus Gross Expense Ratio: 0.59% Max 12b1 Fee: 0.23% Max Front End Sales Load: 5.75% Max Deferred Sale...
by marathonwmn
Mon Nov 23, 2015 2:12 pm
Forum: Personal Consumer Issues
Topic: Tall furniture tipping
Replies: 14
Views: 1662

Re: Tall furniture tipping

1 - Make sure that the piece of furniture is not pushed so far back to the wall that it's sitting on the carpet tack strip. That would make it "tippy." 2- Get a ratchet strap long enough to go from the floor to the top of your tall cabinet. A 1 1/4 inch wide strap should work. 3- Pull the ...
by marathonwmn
Fri Nov 20, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: Telephone number for Voice Mail Only
Replies: 17
Views: 1634

Re: Telephone number for Voice Mail Only

Some time back I tried to get a Google phone number but there weren't any available. This discussion prompted me to try again, and lo and behold there were plenty of numbers available in my area code. The lesson, it pays to keep checking! The number is working great and the voice mail transcription ...
by marathonwmn
Thu Oct 22, 2015 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: My mom is 80 year old and she has never taken out the RMD, please help!
Replies: 61
Views: 8494

Re: My mom is 80 year old and she has never taken out the RMD, please help!

Are you sure that your mom didn't receive the RMDs? My experience with BofA (on an inherited IRA) is that they will send out the RMDs automatically. As a matter of fact, I was taking the full RMD's from another account and had a very difficult time canceling the BofA automatic distribution. A word o...
by marathonwmn
Tue Oct 06, 2015 10:30 am
Forum: Personal Consumer Issues
Topic: Inherited hoarder's house. Now what?
Replies: 36
Views: 5591

Re: Inherited hoarder's house. Now what?

Going through the experience of sorting and disposing of an entire life's worth of objects was a hugely enlightening experience. All those cliches about the meaning of life including 'you can't take it with you' and 'it's only stuff' are pretty much true. Stripped of their meaning to the owner, mos...
by marathonwmn
Wed Sep 16, 2015 3:40 pm
Forum: Personal Consumer Issues
Topic: Quiet thru the wall Air Conditioner
Replies: 12
Views: 1157

Re: Quiet thru the wall Air Conditioner

edge How much was it? I am considering for converting a screen porch to finished solarium. I paid $4,500.00 for a unit that both air conditions and heats. I did not shop it around, very un-boglelike I know, but getting multiple bids was too time consuming. I used a company that's had competitive pri...
by marathonwmn
Tue Sep 15, 2015 3:24 pm
Forum: Personal Consumer Issues
Topic: Quiet thru the wall Air Conditioner
Replies: 12
Views: 1157

Re: Quiet thru the wall Air Conditioner

I just had a Trane mini-split air conditioner installed in my bedroom. It's very quiet inside and out; my next door neighbor says that the only way he can tell it's running is if he sees the grass moving. One of my concerns was that the unit mounted on the wall was going to be unsightly, but it does...
by marathonwmn
Tue Sep 15, 2015 10:38 am
Forum: Personal Consumer Issues
Topic: Formal Dinnerware
Replies: 82
Views: 5622

Re: Formal Dinnerware

Lots of good suggestions here already. Here's my input: 1- Agree with those who caution against metallic trim with regards to dishwasher safety. Many are dishwasher safe / hand washing recommended. I wash my Lenox "Solitaire" by hand. 2- Replacements, Ltd. - fine to literally "replace...
by marathonwmn
Fri Sep 11, 2015 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Fed Rate Hike Question
Replies: 29
Views: 2974

Re: Fed Rate Hike Question

You can check history. When was the last time the Fed raised rates by 0.25%? And what did that bond fund do? What about looking at what happened to that bond fund each and every time the Fed raised rates by 0.25%? This can all be checked out at Morningstar.com pretty easily. Can you do that and tel...
by marathonwmn
Thu Sep 10, 2015 3:36 pm
Forum: Personal Consumer Issues
Topic: I am running out of excuses to not move out
Replies: 71
Views: 7167

Re: I am running out of excuses to not move out

Seems to me that it's not yet time if you're looking for an excuse. Perhaps living at your parents' is a Win-Win situation for both of you. Hopefully you are paying rent which is a nice bit of tax free income for them. Like some wrote earlier in the thread "are you being an adult" and pull...
by marathonwmn
Thu Sep 10, 2015 9:33 am
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you freeze your credit?
Replies: 58
Views: 4760

Re: POLL: Do you freeze your credit?

I froze it last week. A recent phone call to a local utility company prompted me to do it. The only way they could help with my account was if I provided them with my SS#. I figure the small inconvenience if I need to unfreeze it temporarily is worth the peace of mind. I don't foresee applying for a...
by marathonwmn
Wed Sep 02, 2015 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with "new" money
Replies: 11
Views: 2205

Re: What to do with "new" money

As many of you recommended I plan on going forward and paying off the mortgage.

Would you all think it advisable to keep the HELOC that's tied to it? Or would I be better off keeping the HELOC as back-up? There's a -0- balance on the HELOC.

Thanks!
by marathonwmn
Wed Aug 12, 2015 2:22 pm
Forum: Investing - Theory, News & General
Topic: Beware the snake oil as the market gets tougher
Replies: 34
Views: 3842

Re: Beware the snake oil as the market gets tougher

Raybo wrote:Why would anyone want a Big Mac without the bun and cheese?


Someone who has gluten and lactose intolerances?? I'm not speaking of myself, mind you... bring on the bun, bring on the cheese! :beer
by marathonwmn
Mon Jul 27, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: Name and address security [Shred mail received?]
Replies: 18
Views: 1627

Re: Name and address security

livesoft wrote:We shred because it is easy and recycle all paper. I'm OK with it because I don't want Officer Obie coming to find me.


Happy to see another fan of "Alice's Restaurant." It's a standard in my family!
by marathonwmn
Sun Jul 26, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Online Medicare account and Spousal SS benefits
Replies: 9
Views: 960

Re: Online Medicare account and Spousal SS benefits

Ron wrote Even though she received a new Medicare ID card (with my SS#), her current claims still show up on her on-line account, with no action taken. Claims on both her old/new Medicare number are shown. I believe that Medicare tracks both numbers against the same claimant name, so there is no ne...
by marathonwmn
Fri Jul 24, 2015 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Online Medicare account and Spousal SS benefits
Replies: 9
Views: 960

Re: Online Medicare account and Spousal SS benefits

mur44 You can have two accounts with Mymedicare.gov and then access two accounts an interim solution. I tried setting up an account with the new number and got this message: "According to our records, it appears that this Medicare Number is already registered." My ex who's a few months ol...
by marathonwmn
Thu Jul 23, 2015 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Online Medicare account and Spousal SS benefits
Replies: 9
Views: 960

Re: Online Medicare account and Spousal SS benefits

mickeyd Not sure what that is An online account is set up through medicare.gov and allows you to look at your claims before you get them in the mail and has other functionalities such as chatting with an agent online, requesting a new card if yours gets lost, looking ahead to preventive services fo...
by marathonwmn
Thu Jul 23, 2015 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Online Medicare account and Spousal SS benefits
Replies: 9
Views: 960

Online Medicare account and Spousal SS benefits

When I first became eligible for Medicare, I set up an online Medicare account. Now I'm receiving spousal SS payments, and with them came a new Medicare card with my ex's SS # followed by B6 (signifying: Divorced wife, age 62 or over). Will my Medicare claims filed under the new Medicare number be m...
by marathonwmn
Sun Jul 19, 2015 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with "new" money
Replies: 11
Views: 2205

Re: What to do with "new" money

Thanks to everyone who has responded.

I've thought about paying off the mortgage... 1/2 of the mortgage is for the rental side of a duplex and I take it as a deduction. Would you still recommend paying off the mortgage?

Thanks again!
by marathonwmn
Sun Jul 19, 2015 8:23 am
Forum: Investing - Help with Personal Investments
Topic: What to do with "new" money
Replies: 11
Views: 2205

What to do with "new" money

Emergency funds: Yes. Included below in Ally Bank Debt: Mortgage @3.88% 40K balance Tax Filing Status: Single Tax Rate: 15% Federal, 5.75% State State of Residence: NC Age: 66.5 Desired Asset allocation: 50% stocks / 30% bonds / 20% cash Desired International allocation: 18% of stocks Net worth (not...
by marathonwmn
Wed Jul 15, 2015 3:24 pm
Forum: Personal Consumer Issues
Topic: Mini-split air conditioner
Replies: 15
Views: 2464

Re: Mini-split air conditioner

Thanks to everyone for your thoughtful answers. I'm leaning towards installing a mini-split in the renter's side and waiting to do it on my side.
by marathonwmn
Sun Jul 12, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Mini-split air conditioner
Replies: 15
Views: 2464

Mini-split air conditioner

Hi all, I own a duplex, live in one side and rent the other. These are two story units each with central air and heat; the thermostat and air return for both units are downstairs. The upstairs is OK in winter but really warm in summer. The rental side upstairs is one LARGE bedroom with a bath and wa...
by marathonwmn
Tue Jun 16, 2015 11:20 am
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 9561

Re: Wedding Receiption

I agree with the sentiments expressed by several other posters. A cash bar is tacky! :thumbsdown

What you are offering already is sufficient. If you can afford mixed drinks in addition to the signature drinks, great! If not within you budget, go with what you've planned and enjoy!
by marathonwmn
Fri May 01, 2015 2:18 pm
Forum: Investing - Theory, News & General
Topic: What do you consider "cash"
Replies: 32
Views: 3256

What do you consider "cash"

Up to now I've thought that CDs are "cash" but reading some of the posts lately I get the impression that they are more in the bond category. Is this correct? If so, I'm not holding as much cash as I thought.

Thoughts, comments?
by marathonwmn
Mon Mar 09, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3432

Re: Divorcee about to reach FRA seeks SS information

It’s me again! Now that I'm fully into FRA, I’ve screwed up my courage and will go to the SS office on Wednesday. POMS GN 00204.020 Scope of the Application says: “D. Policy - restricting the scope of the application 1. General A claimant may choose to limit or restrict the scope of the application ...
by marathonwmn
Thu Jan 22, 2015 10:59 am
Forum: Personal Finance (Not Investing)
Topic: [Rear-ended, medical insurance claims and Medicare]
Replies: 7
Views: 650

[Rear-ended, medical insurance claims and Medicare]

I was rear ended last week (other driver was at fault).
Does any one on this forum have experience with how medical accident insurance claims work with Medicare? Did you sign a "Medicare Consent Release Form?"

Thanks in advance.
by marathonwmn
Thu Jan 22, 2015 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Cosign or write loan
Replies: 40
Views: 1991

Re: Cosign or write loan

Be aware of the gift tax exclusions. The 2015 limit is $14K per recipient per person. So you and your wife combined could give your daughter $28K and your SIL $28K for a total of $56K. The remainder of the cost of the house would count against your lifetime exclusion if you bought the house outrigh...
by marathonwmn
Wed Jan 21, 2015 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Injured in automobile accident and Medicare
Replies: 0
Views: 324

Injured in automobile accident and Medicare

I was rear ended last Wednesday and am having pain associated with the accident. The other driver admitted fault to the police officer. Other posts in the forum have recommended that one not sign authorization allowing the insurance companies direct access to medical records. Rather, it was suggeste...
by marathonwmn
Mon Jan 19, 2015 11:11 am
Forum: Investing - Theory, News & General
Topic: Am I making a mistake being too conservative?
Replies: 58
Views: 8587

Re: Am I making a mistake being too conservative?

Off topic, but it came to mind: Why is everyone assuming jnet2000 is a he? :confused
by marathonwmn
Mon Dec 01, 2014 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3432

Re: Divorcee about to reach FRA seeks SS information

Today I am FRA :beer and soon will file the restricted application for ONLY the benefits as an ex-wife in order to let my own grow until age 70. Yes. Just make sure that SS knows you are filing a restricted application for only the benefits as an ex-wife and not for your own "retirement" (...
by marathonwmn
Thu Jul 03, 2014 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Planning ahead
Replies: 4
Views: 420

Planning ahead

I'd like to retire from full time work in about a year and a half from now, at age 67. I plan to postpone SS until age 70. Two questions: 1- In the event that I'm be able to stay on with my employer on some kind of part-time basis, would it be better to get W-2 income or stay on as a "consultan...
by marathonwmn
Fri Apr 25, 2014 12:27 pm
Forum: Investing - Theory, News & General
Topic: .csv file for Savings Bond Wizard
Replies: 7
Views: 1422

Re: .csv file for Savings Bond Wizard

But why are you entering bonds? I thought you already had them in excel? My experiment was just so you could see which items went in each column in what format. If you already had the data, just rearrange the columns to match the format they are looking for. If the date format they use it different...
by marathonwmn
Fri Apr 25, 2014 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3432

Re: Divorcee about to reach FRA seeks SS information

I applied online at 1 pm and took my paperwork (birth certificates* and passport and the marriage certificate) to my local office that afternoon. They copied everything, so my documents were out of my sight for less than three minutes. I was home by 3 pm (times verified from old emails to my now ex...
by marathonwmn
Fri Apr 25, 2014 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3432

Re: Divorcee about to reach FRA seeks SS information

Like you I am divorced. Back in February I filed my restricted application online. Someone from Social Security then contacted me and asked to mail my marriage certificate and divorce papers. They were returned 10 days later. Allow approx. 4-6 weeks for the application until you hear when your firs...
by marathonwmn
Fri Apr 25, 2014 11:50 am
Forum: Investing - Theory, News & General
Topic: .csv file for Savings Bond Wizard
Replies: 7
Views: 1422

Re: .csv file for Savings Bond Wizard

Don't have bonds, don't have windows, but I would try this. 1) Install 2) Enter some bonds 3) Export to csv 4a) Open csv file in text editor (Look at it) 4b) Open csv file in excel (Look at it) 5a) Change values in text editor 5b.1) Change values in excel 5b.2) Export excel file as csv 6a) import c...
by marathonwmn
Thu Apr 24, 2014 1:07 pm
Forum: Investing - Theory, News & General
Topic: .csv file for Savings Bond Wizard
Replies: 7
Views: 1422

.csv file for Savings Bond Wizard

I have an Excel spreadsheet in which I've listed I Bonds and E Bonds with varying purchase dates and denominations. It's my understanding that an Excel file saved as .csv can be imported into the Savings Bond Wizard. My assumption is that I need to have 3 columns: Type of Bond, Denomination and Purc...
by marathonwmn
Sun Apr 06, 2014 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3432

Re: Divorcee about to reach FRA seeks SS information

But for you, the key is that you can apply to be his ex-wife without applying for your own old-age benefit once you reach full retirement age. Since you won't apply for your own benefit, you won't be entitled to it, so you can collect the $900 as the ex-wife and delay your application for your own ...
by marathonwmn
Sun Apr 06, 2014 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3432

Re: Divorcee about to reach FRA seeks SS information

P.S. I didn't have an ex, but my wife was deceased. I just called up and asked what her Primary Insurance Amount (PIA) was. I don't know why they trusted me, but they did. You want to ask for your ex's PIA. Don't ask about benefits, stick to the PIA. Your benefit as an ex-wife at your FRA is half o...

Go to advanced search