Search found 4811 matches

by stan1
Fri Oct 20, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Young FERS Special Provision- TSP and Extra Money Questions
Replies: 3
Views: 175

Re: Young FERS Special Provision- TSP and Extra Money Questions

You could pay down the mortgage some (maybe one extra payment per year) but I'd put the primary focus on building your taxable account at least until you are married and after any children you plan are born. If you have a taxable investing account you can always liquidate it and get cash within a fe...
by stan1
Fri Oct 20, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Strange email from Equifax
Replies: 14
Views: 1477

Re: Strange email from Equifax

At this point I'd be striving to minimize contact with these companies. They've had to surge a lot of temp staff to do "customer service". I'd be concerned that each additional contact just increases the likelihood of further errors.
by stan1
Thu Oct 19, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 219
Views: 25696

Re: Retirement Account Stolen by Identity theft

Be firm but persistent and polite. What you've experienced is fortunately still pretty rare. John Hancock is not setup to handle this situation in an efficient manner because it doesn't happen all the time. It's a criminal investigation not an error. I still think given the value of the account and ...
by stan1
Thu Oct 19, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Visiting the Great Barrier Reef
Replies: 16
Views: 957

Re: Visiting the Great Barrier Reef

The distance from Sydney to Cairns is 1500 miles. Imagine if you lived in Houston, TX and had visitors come in to town. You make a decision everyone should drive 1400 miles to Washington, DC to see the nation's capital. You arrive and immediately go to the Washington Monument hoping to ascend only t...
by stan1
Wed Oct 18, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Europe vacation, family of 5
Replies: 15
Views: 1330

Re: Europe vacation, family of 5

Yes to AirBNB for a group. Hotels are smaller in Europe than in the US. A room with two queen size beds will be rare. A rental will probably also give you a washer and dryer as well as kitchen which you won't get in a hotel. Location matters, though. Don't get an AirBNB that's a 60 minute commute fr...
by stan1
Wed Oct 18, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 37
Views: 3004

Re: New mattress

Are any of you guys concerned with the "Gassing Off" of a Memory Foam mattress? My concern is breathing the chemicals omitted from a Memory Foam Mattress every night. I've been reading about the Zenhaven Latex mattress, which touts to be a more healthy alternative, but I'm not sure any mattress is ...
by stan1
Wed Oct 18, 2017 3:08 am
Forum: Personal Consumer Issues
Topic: Recommendations on quartz countertops
Replies: 9
Views: 927

Re: Recommendations on quartz countertops

There are literally hundreds of posts about quartz on the Houzz GardenWeb Kitchen forum. Recommend searching there and asking questions if you like. That forum is the Bogleheads of kitchen remodeling.
by stan1
Wed Oct 18, 2017 2:57 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my Mac Pro OS from El Capitan to Sierra?
Replies: 10
Views: 873

Re: Should I upgrade my Mac Pro OS from El Capitan to Sierra?

Apple and other software vendors do not publicly announce every security or reliability fix they make. In general everyone should run the latest version of any operating system especially if your primary use is internet and email. Having the latest security patches on your system is one of the most ...
by stan1
Mon Oct 16, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 37
Views: 3004

Re: New mattress

I realize mattress preferences are all very subjective but has anyone purchased a good , firm latex mattress recently ? On a scale on 1-10 i'd say i'm after an 8 + in firmness. Most of these online websites only seem to offer 1 choice of firmness. Thanks ! Buy a latex mattress that can be built in ...
by stan1
Sun Oct 15, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4106

Re: Amazon Prime - Decline in Delivery Service?

I live in a major metropolitan area with delivery by Amazon van, guys in their cars (usually for same day sometimes as late as 9 PM), and very rarely UPS for a heavy or odd-shaped item. We order 2-3 items per week. Can't really think of a situation where something didn't arrive on the scheduled date...
by stan1
Sat Oct 14, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 37
Views: 3004

Re: New mattress

A lot of it is personal preference based on body size, shape, existing aches and pains, and sleeping position. Also the best mattress for sleeping might be different than the best mattress for other bedroom activities. I would avoid a "pillow top" especially if the top layer is poly foam. The poly f...
by stan1
Fri Oct 13, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 56
Views: 4314

Re: WiFi [extender]

We live in a dense area with a lot of wifi networks and surely other wireless devices like phones and baby monitors. Forcing all our devices up to 5GHz helped a lot. That's another avenue to try if you have good signal strength but slow and erratic performance.
by stan1
Fri Oct 13, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 103
Views: 6241

Re: How many miles/years do you keep your car?

I find that plastic and padded interior parts still start to crack, bubble, and fade in my sunny climate after about 8-10 years even though the car is garaged at home and I use a window shade when parked outside at work. This is a function of time and exposure not miles. I usually replace a few part...
by stan1
Fri Oct 13, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5569

Re: Help me understand what happen with the new law and ACA subsidies

Actionable items:
Get a job with group insurance
Marry someone with group insurance
by stan1
Fri Oct 13, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 1780

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

It's a cliche almost but dress in layers. You can wear middle layers many times to reduce the amount of luggage you take. I take only one sweatshirt with me and wear that every day over a long sleeve t shirt or longjohn. I take a "waterproof" shell jacket with a removable liner. You might find cold,...
by stan1
Fri Oct 13, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: California Wild Fires
Replies: 8
Views: 1149

Re: California Wild Fires

Yep, negotiations with the insurance adjustor becomes almost a full time job. Some people hire a professional claims negotiator and a few turn their newfound knowledge into a claims negotiation business. That can be true any time there is a large casualty. A neighbor had over $100K in claims due to ...
by stan1
Fri Oct 13, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: California Wild Fires
Replies: 8
Views: 1149

Re: California Wild Fires

Also although some fires are started by lightning many are started by arson, accidents (such as a campfire or spark from a bulldozer), or arcing from high voltage power lines. When arcing from power lines is the cause there will be many years of litigation initiated by property owners and insurers t...
by stan1
Fri Oct 13, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: California Wild Fires
Replies: 8
Views: 1149

Re: California Wild Fires

Wildfires are covered under standard homeowner's insurance. Homeowners in areas determined to be high fire risk usually have to buy homeowners insurance from an insurer that specializes in high fire risk policies. In the case of Santa Rosa the fires came through some areas that would not have been c...
by stan1
Fri Oct 13, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Need help with family financial situation - sheltering money / medicaid
Replies: 22
Views: 2110

Re: Need help with family financial situation - sheltering money / medicaid

I'll try to keep my advice focused on a few "next steps" since you have a complex situation: Make sure you fully understand the VA benefits before you make any other decision. Make sure your dad does not have any medical conditions that would qualify him for hospice care. You said he is in great phy...
by stan1
Thu Oct 12, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston
Replies: 35
Views: 6225

Re: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston

There are more than 14,000 houses inside the two large flood retention reservoirs, but here's the battle with developers: But she resisted the idea that development inside the reservoirs needs to stop or slow down. “We’re going to cover every inch of the land that we can cover,” she said. “I think w...
by stan1
Thu Oct 12, 2017 7:42 am
Forum: Investing - Theory, News & General
Topic: Managing home equity
Replies: 6
Views: 1029

Re: Managing home equity

"Most people" do not have the business acumen to manage their personal finances and home equity like an investment bank/hedge fund even if they had the desire. In 2016 there were over 819,000 bankruptcies in the U.S. (source: uscourts.gov). Just because you can doesn't mean you should.
by stan1
Mon Oct 09, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13697

Re: [Boglehead vs Mr Money Mustache philosophies]

Bogleheads:
Can't retire if you have less than $5M because you need to spend $100K/year and you might end up in a Alzheimer's care unit for more than 10 years.

MMM:
Tell everyone you retired early but start secret businesses repairing/flipping houses and selling soap on etsy.
by stan1
Mon Oct 09, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Please define "cash"
Replies: 31
Views: 1967

Re: Please define "cash"

how about treasury bills and repos? Definitely fixed income :wink: These are all short term instruments and would be counted as cash in a annual report. If you consider the above as fixed income I would recommend that you treat your checking account as a fixed income bond fund with a duration of 0....
by stan1
Mon Oct 09, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Please define "cash"
Replies: 31
Views: 1967

Re: Please define "cash"

Bills and coins of course plus anything FDIC insured and money market mutual funds. As far as asset allocation goes I just lump it in with bonds into "fixed income". Stable value funds and TSP G Fund are probably on the boundary. how about treasury bills and repos? Yep, definitely fixed income for ...
by stan1
Mon Oct 09, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Please define "cash"
Replies: 31
Views: 1967

Re: Please define "cash"

Bills and coins of course plus anything FDIC insured and money market mutual funds.

As far as asset allocation goes I just lump it in with bonds into "fixed income".

Stable value funds and TSP G Fund are probably on the boundary.
by stan1
Mon Oct 09, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Private S corp stock
Replies: 6
Views: 361

Re: Private S corp stock

How does your state handle taxation on the sale? If you live in California you might want to move to a different state.
by stan1
Mon Oct 09, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Please look at my financial situation and give me your insights
Replies: 21
Views: 2216

Re: Please look at my financial situation and give me your insights

Hmmm, I'd start by getting more understanding on the spending requirement (for both of you, $100K/year is a lot compared to many retirees).
by stan1
Mon Oct 09, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7445

Re: Do you want your receipt?

I'm so over little pieces of paper and yes that includes photos or scans of little pieces of paper!
by stan1
Mon Oct 09, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 56
Views: 4314

Re: WiFi

+1 for mesh technology and Eero in specific. Very easy to set up with just one situation in the past year where I had to unplug one for 30 seconds then plug it back in (worked great after that).
by stan1
Mon Oct 09, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: How to deal with estate with no liquid assets and a house?
Replies: 17
Views: 1254

Re: How to deal with estate with no liquid assets and a house?

One approach would be to let the executor deal with this situation (since they don't get along).
by stan1
Sun Oct 08, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2312

Re: What to do with unused paint?

In my city you take it to a local paint store for recycling. Stores take up to 5 gallons of paint in one visit. Easiest thing to do would be to call the store you bought it from and see what the procedure is in your city. http://www.paintcare.org operates in some states (when required by law).
by stan1
Sun Oct 08, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: HSA vs. PPO vs. EPO
Replies: 8
Views: 340

Re: HSA vs. PPO vs. EPO

I think EPO would depend. If EPO means in network Blue Cross Blue Shield then you are probably OK. If exclusive in network means Mother Mary Hospital of Lower Sedonia then no.
by stan1
Sun Oct 08, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card question
Replies: 22
Views: 1802

Re: Chase credit card question

Does the card have a low balance or a low credit limit? Could H1 pay off the balance and close the account? Why does H1 want to keep this account open? Does he have other credit cards?
by stan1
Sun Oct 08, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2259

Re: Spouse gets blowouts?

How about this: learn how to give her a blowout yourself. You might decide it is worth $2,000/year to offload the job to someone else.
by stan1
Sun Oct 08, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2259

Re: Spouse gets blowouts?

Does your wife work? If you are the sole income earner, it seems like she's spending foolishly (especially paying someone to blow dry her hair and $80 shampoos). I use 99 cents Suave and I get compliments on my soft hair all the time. I use make up from the dollar store and people often compliment ...
by stan1
Fri Oct 06, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 10032

Re: Third time in my 32 year career I have been laid off

Sorry for the news. Oh golly. Only on Bogleheads would a single person with close to $2.7M be told that's not enough to retire. I'd sell the two properties, move to a lower cost of living area and rent. Consult when you want. Enjoy life. Yes you might owe some tax on the sale of the rental so perhap...
by stan1
Fri Oct 06, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3820

Re: How do you value your time?

I don't mind doing some housework and laundry or walking to get where I'm going. I hate mowing the grass and my vision makes it impossible for me to do a good job painting a room these days. You can guess which ones I pay someone else to do.
by stan1
Fri Oct 06, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 3995

Re: Too much house? (nervous 1st time buyer)

It is a personal preference for you as is owning a large dog. You can afford the house. I understand the challenges of finding a nice rental with a large dog. Make sure the house is well located so that it will be desirable to other people when it comes time to sell. How big is the house (bedrooms a...
by stan1
Fri Oct 06, 2017 6:59 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3320

Re: Sent to collections by a hospital we've never been to?

Perhaps my post was too long. Call the billing office of the hospital and tell them you have a medical billing error you need them to fix (or call it fraud if you want but that's not proven). Medical billing errors are very frequent. Hospitals know how to handle this situation.
by stan1
Fri Oct 06, 2017 1:48 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3320

Re: Sent to collections by a hospital we've never been to?

Medical billing errors are common. Some tips from my experiences are: - The collection agency is hoping you will pay the bill to make them go away. I think many people do just pay it rather than putting in the time to correct it. The collection agency cannot correct the error. You have to work with ...
by stan1
Thu Oct 05, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 219
Views: 25696

Re: Retirement Account Stolen by Identity theft

I think Transamerica will agree to restore his account if the money can't be pulled back from Regions. It's $52K not millions. Their acknowledgement that the voice is not his is an important step to this outcome. You and your dad will be required to sign non-disclosure agreements so we'll never hear...
by stan1
Thu Oct 05, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1623

Re: Visiting Paris - should we buy tickets in advance?

Too much planning in advance does not work for me but I understand that it comforts others. I am the same. Pre-trip planning in urban locations consists of making a list of places I'd like to go with their opening hours and whether they are part of a pass program such as Paris Museum Pass. If there...
by stan1
Thu Oct 05, 2017 7:33 am
Forum: Investing - Theory, News & General
Topic: Throwing Down with a Primerica Advisor
Replies: 45
Views: 3227

Re: Throwing Down with a Primerica Advisor

I have better things to do with my time than argue with other people about religion, politics, and investing (like doing laundry and cleaning up dog poop in the yard).
by stan1
Wed Oct 04, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3364

Re: Pension Now (Age 36) or Later (Age 65)?

This is a small portion of your portfolio (already less than 2.5% at current values). You can take some risk to get the 6% return or take the payout now and simplify your finances for the next 30 years. This decision is not going to make a difference in your life.
by stan1
Tue Oct 03, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1623

Re: Visiting Paris - should we buy tickets in advance?

One place that does not take American credit cards: The Paris Metro automated kiosks. You can use a credit card at the manned windows so plan ahead to get tickets at a place and time when lines are minimal. I was there a few weeks ago and had no issue using my card at the kiosks, it would pop up as...
by stan1
Tue Oct 03, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 219
Views: 25696

Re: Identity theft

Is it possible the person who did this is someone your father trusted? Grandchild, sibling, nephew or niece, housekeeper, caregiver, handyman, ex-spouse, ex-girlfriend, neighbor? I expect the police will ask questions along that path.
by stan1
Tue Oct 03, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1623

Re: Visiting Paris - should we buy tickets in advance?

One place that does not take American credit cards: The Paris Metro automated kiosks. You can use a credit card at the manned windows so plan ahead to get tickets at a place and time when lines are minimal. We prefer to enter the Euro Zone with Euro notes in hand so we can move out of the airport qu...
by stan1
Sun Oct 01, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: How Safe are Stable Value Funds
Replies: 24
Views: 1994

Re: How Safe are Stable Value Funds

Stable value funds are on the endangered species list and are already extinct in most corporate 401Ks which now only have bond and money market funds. You mention a 401K but do you work for a public sector employer such as a state, school district, or municipality? Does your employer have any agreem...
by stan1
Sun Oct 01, 2017 12:31 pm
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 16251

Re: $10 million+ - Still Working and LBYM

You are at the point where it becomes a personal decision not a financial one. What do you want to do? You can do just about whatever you like. I agree a big consideration is likely to be your partners/employees as they are part of your success. You need a good estate planning attorney who has signi...
by stan1
Sun Oct 01, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request - VDUBGEEK
Replies: 3
Views: 330

Re: Portfolio Review Request - VDUBGEEK

You have a great Vanguard-based 401K. Why not overall do this to get 60/40 with 30% of stocks international: 42% - Vanguard Total Stock Market 18% - Vanguard Total International Stock Market 40% - Vanguard Total Bond Market If you want the small/value slant you'd need more of it to have the potentia...