Search found 185 matches

by sil2017
Fri Apr 13, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 92
Views: 4405

Re: Termination of transfers from SPG and Marriott to airlines?

Hoping the Marriot travel package will last for awhile. I am short on points but should have enough by July 2018.

I have Marriot Gold and have reservations for October in hotels with club lounge . I hope the free breakfast and club lounge perk will at least last till February 2019, expiration date.
by sil2017
Fri Apr 13, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4704

Re: realtor wants to show house to buyer, no listing agent for me

Carefreeap, Thanks for your input. I checked Zillow.com. There are only 7 houses for sale in my area. All are 600 more feet more than mine and a lot more expensive. In the last 2 months , all houses sold in m area were at asking price. I guess this the the reason the buyer who wanted to see my house...
by sil2017
Thu Apr 12, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4704

Re: realtor wants to show house to buyer, no listing agent for me

Okay, realtor called and left a voice message for suggested date and time for weekend viewing. I just called her back and told her I really don't want to sell my house. I love my house, it has been recently remodeled and I love the location. No problem. Her response was call me when you want to sell...
by sil2017
Thu Apr 12, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4704

Re: realtor wants to show house to buyer, no listing agent for me

Thanks all for your time and I truly value all your suggestions. :sharebeer I somewhat felt obligated to show my house since I said I would. But after reading everyone's advice, I will not allow the private viewing. When the realtor calls back with a visit time, I will firmly say I have changed my m...
by sil2017
Wed Apr 11, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4704

Re: realtor wants to show house to buyer, no listing agent for me

Jminv Thanks for the advice. Since I agreed to letting the buyer ( guess the realtor will be there too) view my place , I will follow through. I’m curious about the lowballing tactics. I’m very hesitant ( not motivated) to sell at this point. I really don’t know where else I can move to with mild cl...
by sil2017
Wed Apr 11, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4704

Re: realtor wants to show house to buyer, no listing agent for me

I believe the buyer is represented by the realtor who called me today.
by sil2017
Wed Apr 11, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4704

Re: realtor wants to show house to buyer, no listing agent for me

jiminv- I looked at an open house in my area about a year ago. I talked to this realtor and asked how the real estate market was doing. Think about 9 months or so ago, she would send me letters asking if I wanted to sell my house. She called me many times and dropped flowers, cookies etc at my front...
by sil2017
Wed Apr 11, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4704

Re: realtor wants to show house to buyer, no listing agent for me

I just lost my reply so here it goes , again. Pajamas- Realtor is representing the buyer , not me as she is not my listing agent. In fact, I don't have a listing agent. The only reason I agreed to a private view from the buyer is because of the 9 months or so persistency of the realtor wanting to li...
by sil2017
Wed Apr 11, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4704

realtor wants to show house to buyer, no listing agent for me

There is a persistent realtor who wants to be my listing agent so I can put the house up for sale. Today, the realtor called me and said there is a buyer who is interested in my house. The buyer has been out-bidded on several houses in my neighbourhood. The realtor asked if the buyer can see my hous...
by sil2017
Tue Apr 03, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18772

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

To Mel
I replied to your message earlier by private message but it doesn’t show sent but rather in my outbox . I tried it 4 times or maybe five.
Hoped you received it ..

Thanks
Silvana
by sil2017
Mon Mar 19, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Can't find original copy of Grant deed
Replies: 4
Views: 541

Can't find original copy of Grant deed

I have been looking over my house transactions (there are many) and I can't seem to find the original copy of my Grant Deed. I was able to order , download , and print a certified copy of the Grant deed with the County Clerk website. Am I going to run into problems whether I sell the house or not ? ...
by sil2017
Mon Mar 19, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: How do you find good travel deals?
Replies: 11
Views: 1211

Re: How do you find good travel deals?

Check secretflying.com and fly4free.com
by sil2017
Sat Mar 10, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: estimated tax payment - am I qualified?
Replies: 7
Views: 485

Re: estimated tax payment - am I qualified?

Thank you for your help . I’m aware of the fee on my credit card .
by sil2017
Sat Mar 10, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: estimated tax payment - am I qualified?
Replies: 7
Views: 485

Re: estimated tax payment - am I qualified?

Can I just make one Estimated payment at the end of this month, say $2600. And then I don't make anymore estimated payment for the rest of the year. And does it matter how much I withhold each month for my pension because I can change the tax withholding anytime . For example, in April, I could ask ...
by sil2017
Sat Mar 10, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: estimated tax payment - am I qualified?
Replies: 7
Views: 485

estimated tax payment - am I qualified?

I retired last year so I will not have any W2 for 2018. However, I do receive monthly pension from CALSTRS. I have a choice of choosing how much I would like withheld for federal and state taxes. Can I choose to not withhold any taxes from my pension and instead pay the estimated payment plan with m...
by sil2017
Wed Mar 07, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18772

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Just missed it again.

Please add me to the waiting list.

thanks
Silvana

x
by sil2017
Tue Mar 06, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: New Zealand - Bucket list trip
Replies: 22
Views: 1971

Re: New Zealand - Bucket list trip

Several years ago , I had a 14 day cruise from Sydney to Auckland. Never saw much of New Zealand as there was not enough time at the ports for the far away sights . In the last week of October , we will be doing a self drive on the South Island. Lots of great suggestions as to main sights and itiner...
by sil2017
Thu Jan 18, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20532

Re: Anyone disenchanted with retirement?

I retired about 7 months ago at age 56 . I am loving it . Retirement is one of the best decisions I’ve made in my life. I still don’t feel like I have enough time for my interests and hobbies . I spend the morning reading and learning on the computer with my 2 cups of coffee . I go to the gym to wor...
by sil2017
Sat Jan 13, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Emergency evacuation with pre-existing condition
Replies: 13
Views: 1086

Re: Emergency evacuation with pre-existing condition

Sorry to confuse you all. Preexisting condition is defined as the look back period of either 45 days with Global rescue or 60 days with travel insurance. I believe my hemorrhoid would be considered pre-exisitng as I have seen the doctor last week. I told the doctor I have had hemorrhoids for over 15...
by sil2017
Sat Jan 13, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Emergency evacuation with pre-existing condition
Replies: 13
Views: 1086

Emergency evacuation with pre-existing condition

Oh gosh, I am so stressed out over my upcoming Mt. Kilimanjaro trip in the next 10 days. Not thinking, I was at the doctor for hemorrhoid condition last week. The reason is I wanted to get a referral in case I want it removed after my month trip to Africa. So I figured I see the doctor prior to the ...
by sil2017
Fri Jan 12, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 566

Re: Travel insurance-2ndary versus primary

Thanks for the information. I checked out global rescue as well. Highly recommended by the American alpine club . I spoke with CSR at global rescue in length. Global rescue would provide ground transfer to the helicopter location to transport me to the nearest hospital. Also, once stabilized, I have...
by sil2017
Fri Jan 12, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 566

Re: Travel insurance-2ndary versus primary

I agree with emergency evacuation which is what I am interested in. Kaiser will pay for all urgent and emergency medical fees. I need to file a claim which is the same for any travel insurance. I read the primer travel insurance from cruise critic forum. It mentioned "medjetassist" which is a stand ...
by sil2017
Fri Jan 12, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 566

Re: Travel insurance-2ndary versus primary

With my Kaiser Permanente CA insurance, my co pay is $15 for office visits. This will apply to urgent care abroad. If an emergency, I have full coverage without co-pay, same as in US.
by sil2017
Fri Jan 12, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 566

Re: Travel insurance-2ndary versus primary

I just called World Nomads. CSR keeps dodging the answer to my question about their secondary insurance coverage. I told CSR that I have international medical insurance through my employer and if by chance I need medical attention to be transferred to the hospital and get medical care, will the Worl...
by sil2017
Fri Jan 12, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 566

Travel insurance-2ndary versus primary

I will be trekking Mt Kilimanjaro , followed by a safari with a UK tour group within 10 days. Total number of days with Tour group is 20 days. I have international travel insurance with Kaiser Permanente which will cover my urgent and emergency care. They will also provide transportation cost if it ...
by sil2017
Thu Jan 11, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: more problem with boyfriend's computer
Replies: 9
Views: 1030

Re: more problem with boyfriend's computer

"She mentioned Group Policy, software that companies use to lock down PCs.. which means either some spyware changed settings to make it difficult to run, or that she's running the software in such a way it wasn't intended to be used. Hence the "Nuke it from Orbit, just to make sure" advice." My boyf...
by sil2017
Wed Jan 10, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: more problem with boyfriend's computer
Replies: 9
Views: 1030

Re: more problem with boyfriend's computer

gsmith

It is impossible to prove a negative, but if you feel he's compromised you should change his passwords from a sterile computer. Likely buy a new PC or wipe and reinstall Windows on the old PC. Also R-E-L-A-X.

How do you wipe out and install Windows on the old PC?
by sil2017
Wed Jan 10, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: more problem with boyfriend's computer
Replies: 9
Views: 1030

more problem with boyfriend's computer

Thanks to everyone suggestion on anti virus software for windows 7 premium home edition, I wanted to use windows defender but it was not turned on. When I clicked to turn on, a pop up stated " the program is blocked by group policy. For more information, contact your system administrator ( Error cod...
by sil2017
Wed Jan 10, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: antivirus for windows 7
Replies: 10
Views: 561

Re: antivirus for windows 7

I downloaded version of CC cleaner for my friend and it came with the Free Avast anti virus. Is this good to have?
by sil2017
Wed Jan 10, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: antivirus for windows 7
Replies: 10
Views: 561

antivirus for windows 7

Hope you can help my friend out who has very little knowledge of technology. He has 2 laptops with windows 7. It has the windows defender. Does he need other anti virus or software to keep it safe? Preferably the free one would be best. He does a lot of clicking here and there for free information a...
by sil2017
Fri Jan 05, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 42
Views: 2758

Re: compression sack for sleeping bag, help with calculations please

I received the sea to summit event dry compression sacks in size small and medium from Omcgear online.( best prices) It was a struggle for me to stuff the cat's meow in size medium so I bought 2 more ( size L and M, just in case I need an extra one) I thought of buying the Ultra-Sil dry sack instead...
by sil2017
Thu Jan 04, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: 1098 from B of A, box 7 not checked
Replies: 4
Views: 434

Re: 1098 from B of A, box 7 not checked

Thanks very much.

Would have been simpler for B of A to check box 7
by sil2017
Thu Jan 04, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: 1098 from B of A, box 7 not checked
Replies: 4
Views: 434

1098 from B of A, box 7 not checked

I received my 1098 form on line for 2017 tax year. The payee and street address of payee is correct. However, B of A did not check off box 7 ( is address of property securing mortgage same as Payer's/Borrower's address?). It was left blank. Then in box "8",the same street address is correct MINUS th...
by sil2017
Wed Jan 03, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 42
Views: 2758

Re: compression sack for sleeping bag, help with calculations please

Thank you all . I bought 2 sea to summit event dry compression sacks.
by sil2017
Sun Dec 31, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 42
Views: 2758

compression sack for sleeping bag, help with calculations please

I have spent two hours searching, calling and trying to figure out which sea to summit compression sack I need to buy. I am so frustrated and losing patience figuring this out so I hope someone can help me. I have a North face Cats Meow sleeping bag. It is regular length with 1 pounds 9 ounces of fi...
by sil2017
Tue Dec 19, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: capital loss on non markable securities
Replies: 3
Views: 329

Re: capital loss on non markable securities

Thank you for coming to the rescue.

All is good now.
by sil2017
Tue Dec 19, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: capital loss on non markable securities
Replies: 3
Views: 329

capital loss on non markable securities

I have a penny stock in my Brokerage account TD ameritrade for over 10 years. It doesn't trade on the market. NO quote data and and at 100% loss. The amount is almost 29K. There is a note in my account that states: Deadline for Removal of Non-marketable Securities: To have non-marketable securities ...
by sil2017
Fri Dec 15, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: baffle about Roth IRA contribution using turbo tax
Replies: 19
Views: 1001

Re: baffle about Roth IRA contribution using turbo tax

Yes I did include the 457B pension distribution in my gross.

Thanks all for helping a confused and mentally challenged boglehead!!
by sil2017
Fri Dec 15, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: baffle about Roth IRA contribution using turbo tax
Replies: 19
Views: 1001

Re: baffle about Roth IRA contribution using turbo tax

The $6500 to pay for my Roth IRA is money I have taken from my 457B pension distribution.
by sil2017
Fri Dec 15, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: baffle about Roth IRA contribution using turbo tax
Replies: 19
Views: 1001

Re: baffle about Roth IRA contribution using turbo tax

okay, so gross amount should have included my $6500 Roth IRA which I didn't know.
by sil2017
Fri Dec 15, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: baffle about Roth IRA contribution using turbo tax
Replies: 19
Views: 1001

Re: baffle about Roth IRA contribution using turbo tax

Sorry if I am confusing you and also confusing myself :( Gross amount income is $90000 On tax return, I will contribute $6500 to a Roth IRA When figuring out how much tax I need to pay, will the taxable income be based on $90000 or $96500? I thought it would be $96500 as I read that with Roth IRA yo...
by sil2017
Fri Dec 15, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: baffle about Roth IRA contribution using turbo tax
Replies: 19
Views: 1001

Re: baffle about Roth IRA contribution using turbo tax

Does this mean that my taxable income will remain as $90000 rather than $96500?

total compensation is all income, correct? (retirement, capital gains, work)
by sil2017
Fri Dec 15, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: baffle about Roth IRA contribution using turbo tax
Replies: 19
Views: 1001

baffle about Roth IRA contribution using turbo tax

I am 56 years old and retired in mid 2017. My employer contributed to my defined pension plan. I also made contribution to my 457B and 403B plans. I hypothetically filled in my turbo tax information for 90k gross from work income (actually the total is from work, retirement distribution, and capital...
by sil2017
Wed Dec 06, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: bank secrecy act-10k
Replies: 11
Views: 1328

Re: bank secrecy act-10k

chip and wilshuer

thanks both for your quick responses
by sil2017
Wed Dec 06, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: bank secrecy act-10k
Replies: 11
Views: 1328

bank secrecy act-10k

Hope I can get some advice before I withdraw funds (distribution process) from my 457B. The institution I hold my 457b is linked to my bank account. Whenever I needed money, the institution would electronically transfer the amount to my bank account. Many times, it has been about 2k per transaction....
by sil2017
Mon Dec 04, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: withdraw 457B 2017 or 2018
Replies: 2
Views: 224

withdraw 457B 2017 or 2018

I retired this year at the age of 56 with the intention of using my 457B distribution to pay off my heloc and fund my travel plans for 2018. I read that the 457b was on the table for the proposed Senate tax bill to penalized early withdrawal prior to 59 1/2 . Presently, there is no 10% early withdra...
by sil2017
Fri Dec 01, 2017 12:37 am
Forum: Personal Finance (Not Investing)
Topic: rental area in Las Vegas and suburbs
Replies: 5
Views: 837

Re: rental area in Las Vegas and suburbs

Thanks everyone for your help . I passed the information to my boyfriend. He will look at Summerlin and Green valley ranch tomorrow.
by sil2017
Wed Nov 29, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: rental area in Las Vegas and suburbs
Replies: 5
Views: 837

rental area in Las Vegas and suburbs

My boyfriend is searching for a rental in Las Vegas or the suburbs of Las Vegas. Other than Summerlin (think it is still a safe location), where would be a safe place for rent far from gang activity, prostitution and other crimes. Please provide zip code or nearby streets. Hopefully the rent will be...