Search found 4293 matches

by stan1
Thu Feb 11, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: White Kitchen Cabinets?
Replies: 41
Views: 2762

Re: White Kitchen Cabinets?

I'm confused by the comments on getting dirty since I haven't noticed that (and I'm not the best cleaner). So its going to depend on cooking style and lifestyle which vary by individual. If you are doing high temp oil based wok cooking, have kids helping in the kitchen, or have a dog that slobbers ...
by stan1
Thu Feb 11, 2016 7:26 am
Forum: Personal Consumer Issues
Topic: White Kitchen Cabinets?
Replies: 41
Views: 2762

Re: White Kitchen Cabinets?

Dirt/grime shows more on white cabinets. Some people see that as a plus because dirt is easy to see and can be cleaned right away. Other people see that as a negative because they don't want to clean their cabinets frequently. Natural or stained wood is more forgiving for minor scratches and dings s...
by stan1
Thu Feb 11, 2016 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Sell or Rent House
Replies: 10
Views: 639

Re: Sell or Rent House

If your gains are approaching the IRS max of $250K for a single individual to avoid capital gains I would definitely sell rather than convert it to a rental. Watch the owner occupancy requirement (two of five years). If you've done upgrades on the current home I'd also sell now for a good price befo...
by stan1
Wed Feb 10, 2016 9:05 am
Forum: Investing - Help with Personal Investments
Topic: helping someone start a business (under my name)
Replies: 3
Views: 149

Re: helping someone start a business (under my name)

Are you in the U.S. or somewhere else like Canada? Was not aware any U.S. states or cities were actively recruiting non-US citizens to set up local businesses but maybe there are some.
by stan1
Sun Feb 07, 2016 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can a minor child sue former guardians for theft once they turn 18
Replies: 24
Views: 2698

Re: Can a minor child sue former guardians for theft once they turn 18

Agree, delete your posts and talk to an attorney. You have a very specific situation that the internet can't give you legal advice on.
by stan1
Sun Feb 07, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Grandson working for me-Child labor law?
Replies: 35
Views: 1815

Re: Grandson working for me-Child labor law?

OK, per Texas Workforce Commission http://www.twc.state.tx.us/jobseekers/texas-child-labor-law Texas Child Labor law does not apply to employment of a child who is: Engaged in non-hazardous casual employment that will not endanger the safety, health or well-being of the child and to which a parent o...
by stan1
Sun Feb 07, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Home ownership for unmarried couple
Replies: 12
Views: 583

Re: Home ownership for unmarried couple

This is somewhat an estate planning question for your relative that has to be considered as unmarried couples start to merge their financial and legal affairs. Gay and lesbian couples had to deal with this until recently. Does he want to leave his share of the house to his girlfriend or his "fa...
by stan1
Sun Feb 07, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Preparing for marriage (taxes)
Replies: 16
Views: 1247

Re: Preparing for marriage (taxes)

Why are you using the IRS as a zero interest savings account so that you get $2K of your own money back?

You should be adjusting your withholding so that you owe a little federal and state tax each year.
by stan1
Fri Feb 05, 2016 8:04 am
Forum: Personal Consumer Issues
Topic: Advice for parents with Perfectionist Child?
Replies: 48
Views: 3407

Re: Advice for parents with Perfectionist Child?

I think this drive and spirit is something to be nourished and cherished -- please don't try to discourage her from trying. You don't want her to become risk averse and unwilling to try new things. I think the opportunity is to help her set goals she aspires to, and then figure out what she needs to...
by stan1
Wed Feb 03, 2016 10:51 pm
Forum: Personal Consumer Issues
Topic: Best Tips for Packing & Moving?
Replies: 14
Views: 1273

Re: Best Tips for Packing & Moving?

We made 15+ trips to the donation center during the three months we were planning to move out. When moving day came we took clothes out of the half full closet on the hangars and laid them down in the car (with the seats folded down) and drove them 7 miles to the new house. Walked them up and hung t...
by stan1
Sun Jan 31, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4857

Re: Public school or private school (with school data)

sunnywindy wrote:Send your kids to the schools that their friends go to, the schools that are in their neighborhood.


Unless their friends are lazy, alcoholics, and drug abusers. Then send them somewhere else.
by stan1
Sat Jan 30, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 4857

Re: Public school or private school (with school data)

The data you present indicates to me that smart and motivated kids do well in both the public and the private school. A public high school with a class of 25 graduates going to those 75 schools out of 180 graduating seniors is a very different type of public school than most people have access to. M...
by stan1
Sat Jan 30, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Unwinding day old terrible car deal for mother-in-law
Replies: 186
Views: 15735

Re: Unwinding day old terrible car deal for mother-in-law

You are on the right track. Do not argue that it was a bad deal (list price) or that she can't afford it. They don't care about that. Best chance is along the lines of her not knowing what she signed up for/not understanding English. You might also be able to get them to knock off some of the extras...
by stan1
Sat Jan 30, 2016 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: I got let go yesterday
Replies: 40
Views: 6260

Re: I got let go yesterday

I think it is unlikely that the company failed. The company made the choice to hire OP, and the company made the decision to let him go after a short period of time. The company bears responsibility for the bad hiring decision it made. Not sure how blaming the company will help OP find a new opport...
by stan1
Sat Jan 30, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: I got let go yesterday
Replies: 40
Views: 6260

Re: I got let go yesterday

I think it is unlikely that the company failed. I think it is much more likely that this wasn't the right fit. Lesson learned. Pound the pavement for opportunities. Corporate "fit" is very difficult. I admire you for having taken a risk. Risks don't always pay off of course but you've mos...
by stan1
Sat Jan 30, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: I got let go yesterday
Replies: 40
Views: 6260

Re: I got let go yesterday

Sorry to hear the news. Agree its important not to take it personally but you want to do some self-reflection (maybe not this weekend but as you sort through the process). Awhile back there was advice out there to "find your passion" -- e.g. focus on doing something you enjoy. That's great...
by stan1
Tue Jan 26, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: Cutting Cable Cord Only to Strengthen Internet Cord
Replies: 53
Views: 3229

Re: Cutting Cable Cord Only to Strengthen Internet Cord

$90/month with a low data cap is a lot. $90/month with a high cap (500GB/month) is about what we would pay if we just had a data plan. We keep the cable because its bundled with the data. We have to call every year and threaten to cancel as well (I think that's standard practice these days for thing...
by stan1
Tue Jan 26, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: 3 Small Dogs - Dental Care
Replies: 19
Views: 1436

Re: 3 Small Dogs - Dental Care

You have to try different flavors of toothpaste as well. Our dog doesn't like the mint flavored toothpaste but loves the liver flavor and looks forward to his teeth cleaning session every night. He will stare at us and bark to get our attention if we are even a few minutes behind his schedule. We us...
by stan1
Tue Jan 19, 2016 9:19 am
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 6031

Re: Best place to live in CA for a young family

While San Diego can be expensive, it is definitely not out of reach with the budget you are proposing. I might take heat for this, but I don't think you will find the diversity and walkability you are thinking of in the north county (along the 15) communities listed so far. Don't get me wrong, they...
by stan1
Mon Jan 18, 2016 10:57 pm
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 6031

Re: Best place to live in CA for a young family

Well, you are sending me off to google some zip codes I don't know so looks like you are very familiar with San Diego: Mira Mesa - suburban sprawl, lots of apartments and rental houses, heavy traffic, schools a slight step below other areas along I-15 corridor. It's not the same as the other places ...
by stan1
Sat Jan 16, 2016 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: HOA question
Replies: 11
Views: 1120

Re: HOA question

CA SB 150 from 2011 is relevant: http://www.leginfo.ca.gov/pub/11-12/bill/sen/sb_0101-0150/sb_150_bill_20110708_chaptered.html This bill makes into law that the rental restrictions can't be imposed on current owners (unless waived in writing). Is this a situation where your complex is adding rental ...
by stan1
Fri Jan 15, 2016 9:25 pm
Forum: Personal Consumer Issues
Topic: Best place to live in CA for a young family
Replies: 82
Views: 6031

Re: Best place to live in CA for a young family

Irvine:
+ good public schools, University of California, diversity of all types, restaurants, close to beach/coast, parts can be walkable, multiple airport options.
- 2000 square foot house probably over $750K but there are lots of townhouses and some houses closer to 1500 square feet
by stan1
Sat Jan 09, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Building a new small home
Replies: 37
Views: 3278

Re: Building a new small home

There are lots of compromises in life. I'd find an older 1000-1200 square foot house with a great location (whatever that means to you) and if needed remodel it to meet my modest needs. There may not be many houses under 700 square feet but there will be quite a few in this size range as that was a ...
by stan1
Wed Jan 06, 2016 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: selecting Airline for international travel WWYD?
Replies: 57
Views: 1998

Re: selecting Airline for international travel WWYD?

Coach in all airlines is bad or very bad so I wouldn't use rudeness of staff as a differentiating factor. I've seen rude staff working in coach on British Airways, Lufthansa, and even Singapore and have been on plenty of flights on American or United where international staff have been quite friendl...
by stan1
Wed Jan 06, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: What to do with my Audi A3 TDI
Replies: 54
Views: 3523

Re: What to do with my Audi A3 TDI

If the fix in the U.S. is engine controller software (as it was in Europe so far) there will be three things to watch for: decreased performance, decreased mileage, and deceased reliability/increased maintenance (e.g. carbon build up). Performance and mileage will be obvious fairly soon based on rep...
by stan1
Sun Jan 03, 2016 5:00 pm
Forum: Personal Consumer Issues
Topic: crutches on the beach?
Replies: 13
Views: 1146

Re: crutches on the beach?

This is one of those where searching on "beach crutches" would yield exactly what's hoped for!

https://www.google.com/webhp?sourceid=c ... 20crutches
by stan1
Fri Jan 01, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be saving home improvement receipts?
Replies: 10
Views: 1368

Re: Should I be saving home improvement receipts?

The main reason is if you expect the house to appreciate by more than $250K single or $500K married so that you can prove increased cost basis and avoid capital gains tax. Things happen in life; I think the odds are pretty low that you'll actually pass the house onto your heirs as part of your estat...
by stan1
Tue Dec 29, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer - Re-negotiate offer?
Replies: 25
Views: 2216

Re: Job Offer - Re-negotiate offer?

As a manager I've had this happen and the outcome is situational dependent. Some people are worth creating a bidding war over. If a junior/mid level new hire came back with a request to renegotiate an offer the first thing I would do is look at my second and third choices. If either of those had pro...
by stan1
Tue Dec 29, 2015 11:25 am
Forum: Personal Consumer Issues
Topic: Retired couples with a single vehicle?
Replies: 35
Views: 2761

Re: Retired couples with a single vehicle?

Give your wife the car keys and she can drive you around when its convenient for her to do so. If that works for you go for it. If your response begins with "wait a minute" then you probably should let your wife make this decision. Try it first for a few months by always keeping one of the...
by stan1
Tue Dec 29, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Fed retired, TSP to ROTH withdrawals possible?
Replies: 39
Views: 2246

Re: Fed retired, TSP to ROTH withdrawals possible?

What is your federal and state tax rate? Single, high grade FERS retirees or a married couple who are both FERS retirees with 30+ years of service plus social security/FERS offset may find themselves in the 28% federal tax bracket with whatever state tax is also applicable. At that point I'm not sur...
by stan1
Mon Dec 28, 2015 9:42 am
Forum: Personal Consumer Issues
Topic: Retired couples with a single vehicle?
Replies: 35
Views: 2761

Re: Retired couples with a single vehicle?

My inlaws are 91 and 89. They kept two cars for years because he wanted to play golf and she wanted to get her hair done at the same time one morning each week (sorry for the stereotypes -- but that's the situation). She stopped driving a few years ago and finally shifted her hair appointment to the...
by stan1
Mon Dec 28, 2015 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Parallel Taxation
Replies: 21
Views: 1111

Re: Parallel Taxation

What is your recommendation? Awareness is one thing, but converting that into something actionable and relevant to people likely to be even harder but that's what people want to hear. Most people want a solution not just another problem to deal with in life. Then you would want to make sure that rec...
by stan1
Mon Dec 28, 2015 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Checking In After Four Years
Replies: 20
Views: 5017

Re: Checking In After Four Years

Good job, some suggestions: I would set up a Roth IRA at this point especially If you want a REIT and use Vanguard's fund/ETF instead of the much more expensive one in your 401K. If you don't want to dip into your home savings funds in the checking account you could make the contribution for 2015 us...
by stan1
Sat Dec 19, 2015 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: dilemma over house division during legal separation
Replies: 98
Views: 8423

Re: dilemma over house division during legal separation

Talk to a lawyer. If you really want to keep the house and she is the one who wants to separate do not move out without talking to a lawyer (repeating a third time for effect: talk to a lawyer).
by stan1
Sat Dec 19, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: dilemma over house division during legal separation
Replies: 98
Views: 8423

Re: dilemma over house division during legal separation

- Make sure you fully understand the legal consequences of moving out even if you both agree its the right thing (both statute and custom of how a divorce court will view this action). There are still places where the act of moving out is viewed as the initiation of the break up even if both parties...
by stan1
Sun Dec 13, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: Federal Blue Cross versus GEHA -- have you made the switch and why?
Replies: 6
Views: 580

Re: Federal Blue Cross versus GEHA -- have you made the switch and why?

Make sure you check the network for each plan in your area to see if the doctors/medical groups/hospitals you use (or are likely to use if you need a specialist) are included.

Where I live the BCBS PPO has more "in network" providers than GEHA.
by stan1
Wed Dec 09, 2015 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Senior Housing Buy Or Mortgage
Replies: 8
Views: 689

Re: Senior Housing Buy Or Mortgage

It is mostly a personal preference if you have enough other income/investments to cover your needs. For some people this decision is one of the first that leads down the path to the realization you are investing for your heirs not for yourselves. Some people want the safety/security that comes with ...
by stan1
Fri Dec 04, 2015 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mother letting property go for back taxes
Replies: 26
Views: 2927

Re: Mother letting property go for back taxes

You should probably be working with an attorney familiar with the county the property is located in. Everything is going to be specific to the state, county, and the bylaws/covenants and restrictions of the development's homeowners association.
by stan1
Thu Dec 03, 2015 9:11 am
Forum: Personal Consumer Issues
Topic: Realtor Negotiating Advice
Replies: 44
Views: 3960

Re: Realtor Negotiating Advice

blueblock wrote:The standard commission is 6%, usually split between the seller and buyer agents. Many certainly do negotiate, but the good ones won't, because they don't need the business that badly.


Not true these days, especially in HCOL areas. Everything is local.
by stan1
Thu Dec 03, 2015 9:10 am
Forum: Personal Consumer Issues
Topic: Realtor Negotiating Advice
Replies: 44
Views: 3960

Re: Realtor Negotiating Advice

I know a couple of realtors, and I've told them this before. They haven't disagreed, but obviously couldn't agree either. That is, the value that they really bring is to ensure that [on the sell side] 1) The Photos of a listing are good 2) Stage the house if needed and [on the buy side] 3) get you ...
by stan1
Thu Dec 03, 2015 8:17 am
Forum: Personal Consumer Issues
Topic: Realtor Negotiating Advice
Replies: 44
Views: 3960

Re: Realtor Negotiating Advice

It's all local. Where I live pretty much every house is listed at 5% commission (2.5% each to buy/sell realtor). The realtor we listed with told us that if we accepted an offer from a buyer he represented he would drop another 1% down to 4%. He did bring us an offer -- but it was $70K lower than the...
by stan1
Wed Dec 02, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: Visited friends in California...Now I want home automation too!
Replies: 46
Views: 3999

Re: Visited friends in California...Now I want home automation too!

The previous owner of our house put in a Nest thermostat on the HVAC system.

We miss having an on/off switch which is all we need most of the year.
by stan1
Thu Nov 26, 2015 11:37 pm
Forum: Investing - Theory, News & General
Topic: Do any of you use Total Market and a CD for a 50/50 portfolio?
Replies: 20
Views: 3285

Re: Do any of you use Total Market and a CD for a 50/50 portfolio?

The risk premium for bonds compared to FDIC insured cash (e.g. CD) changes over time. Right now there isn't much of a premium for bonds over CDs which makes CDs seem a lot more appealing than if Total Bond Market was returning 3%+ more than a CD as it was a few years ago. My personal strategy has be...
by stan1
Tue Nov 24, 2015 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Push child to avoid expensive college?
Replies: 207
Views: 13550

Re: Push child to avoid expensive college?

She's a great kid and I can afford a more expensive college, but why spend $300,000 for 4 years to become a high school teacher? Thank you. This is a life learning opportunity. Have her use cost as a consideration in her decision and explain why she thinks the more expensive school is better. It mi...
by stan1
Tue Nov 24, 2015 12:49 pm
Forum: Personal Consumer Issues
Topic: Trying to get out of house
Replies: 24
Views: 3096

Re: Trying to get out of house

$9K to replace a roof on a $90K house seems very high unless you are living in a historic house with limits on what materials you can use or some other special case. How many square feet is the house? One or two story? What roofing material? I would fix the roof before you list it and try to get a b...
by stan1
Thu Nov 19, 2015 11:12 pm
Forum: Personal Consumer Issues
Topic: Treehouse in Backyard - Liability Question
Replies: 30
Views: 2684

Re: Treehouse in Backyard - Liability Question

Send your kids to play in tree houses and pools on someone else's property. Drop off some food and drinks so the parents don't feel too inconvenienced. Call your lawyer if your kid gets injured instead of the other way around.
by stan1
Tue Nov 17, 2015 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Where are the new chip credit cards?
Replies: 24
Views: 2340

Re: Where are the new chip credit cards?

There is a shortage of the chips that get put on the cards -- therefore card roll out isn't as fast as promised.
by stan1
Sun Nov 15, 2015 7:56 pm
Forum: Personal Consumer Issues
Topic: Cinder Block Wall
Replies: 14
Views: 1842

Re: Cinder Block Wall

Get a few more quotes (which you are already doing). Also if the soil is very sandy you might need a pretty substantial concrete foundation under the block wall. You might want to call out an engineer before you start getting quotes if you think that will be a problem.
by stan1
Sun Nov 15, 2015 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Unsolicited FOR SALE SIGN at my property. Please advise.
Replies: 50
Views: 7838

Re: Unsolicited FOR SALE SIGN at my property. Please advise.

I recently posted a FOR SALE BY OWNER listing on zillow. I also retained a real estate broker to represent me. Please advise. Thanks I This is confusing. Did you list the property with the broker (usually on commission) or did you hire that individual just to help with the administrative costs of c...
by stan1
Sun Nov 15, 2015 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Unsolicited FOR SALE SIGN at my property. Please advise.
Replies: 50
Views: 7838

Re: Unsolicited FOR SALE SIGN at my property. Please advise.

I'd remove the inaccurate sign immediately as it might confuse a potential buyer and then call the brokerage to ask them to come get the sign that was placed in your yard by mistake. If a potential buyer uses your listing agent you might be able to get a lower commission so you don't want a buyer to...

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