Search found 4331 matches

by stan1
Thu May 05, 2016 8:43 am
Forum: Forum Issues and Administration
Topic: Revealing Usernames
Replies: 10
Views: 437

Re: Revealing Usernames

Definitely a good idea to remain anonymous for most people and should be encouraged when any specific financial information is posted. Current and future employers, charitable organizations, school teachers, nosy neighbors, etc. can all do google searches in addition to bad guys who commit fraud. No...
by stan1
Tue May 03, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Not at fault Car accident, should I file for Arbitration?
Replies: 19
Views: 1139

Re: Not at fault Car accident, should I file for Arbitration?

What state are you in? It does matter as every state is different.
by stan1
Sat Apr 09, 2016 9:33 am
Forum: Personal Finance (Not Investing)
Topic: is keeping employer health insurance a good reason to stay in a bad job
Replies: 29
Views: 2008

Re: is keeping employer health insurance a good reason to stay in a bad job

Among my truisms: "people take the best jobs they can get" I don't think this is true for many people. I know many people who could get a "better" job but don't because they are risk averse, don't like change, or can't see that a different job would be an improvement. Unfortunat...
by stan1
Sat Apr 09, 2016 7:37 am
Forum: Personal Consumer Issues
Topic: Experience with Honda Sensing?
Replies: 41
Views: 2657

Re: Experience with Honda Sensing?

Lots of discussion about the new CIvic and Honda Sensing on the CIvic X (10th Gen) forum:
http://www.civicx.com/forums/
by stan1
Fri Apr 01, 2016 7:33 am
Forum: Personal Finance (Not Investing)
Topic: SF Bay Area Housing: Listing agent underpricing
Replies: 58
Views: 3768

Re: SF Bay Area Housing: Listing agent underpricing

My good news story: I intentionally set the price a little low hoping to create interest and there also were some nearby houses that were closing at lower $/square foot than I hoped to get for ours. Listed house last summer on a Weds. Open house on Sunday. Had about 30 showings by Monday. Had 2 offe...
by stan1
Thu Mar 31, 2016 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay Area Housing: Listing agent underpricing
Replies: 58
Views: 3768

Re: SF Bay Area Housing: Listing agent underpricing

You can:
1) Play the game and win (overpay for a house probably by waiving all contingencies)
2) Play the game and lose (get frustrated with not having offers accepted)
3) Sit on the sidelines (rent)
4) Play a game with better odds (move to flyover state)
by stan1
Thu Mar 31, 2016 8:30 am
Forum: Personal Finance (Not Investing)
Topic: First time home buying, need advice!
Replies: 29
Views: 2179

Re: First time home buying, need advice!

What I would **not** recommend doing is buying a condo that feels like an apartment. There are many, many condos in most cities and they can be hard to sell if there isn't something special like a view, lots of light, great location, very quiet, dedicated parking, well managed complex. Be picky even...
by stan1
Thu Mar 31, 2016 7:07 am
Forum: Personal Consumer Issues
Topic: Remodel or buy a different house?
Replies: 13
Views: 1412

Re: Remodel or buy a different house?

We learned our lesson on the first houses we bought (before we were married): location matters. Our subsequent houses have always been in desirable neighborhoods that we've enjoyed living in (with the added benefit that houses in desirable neighborhoods are likely to be easier to sell when the time ...
by stan1
Fri Mar 25, 2016 7:17 am
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5374

Re: Europe Trip in August

I really hate to say this, and I'm going to come across as a complete racist, but I think part of the reason people feel safer in Europe is because it is much more homogenous... Actually homogeneous is an out of date view. I'm guessing you haven't ridden the London, Paris, or Berlin metro/bahn in a...
by stan1
Wed Mar 23, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Black formal shoes with sneaker like support
Replies: 56
Views: 4581

Re: Black formal shoes with sneaker like support

smackboy1 wrote:I've gotten away with wearing Merrell black nubuck Jungle Mocs with my tux. It's dark and nobody is looking at my feet :beer



People have likely noticed, they just haven't said anything to you. Whether that matters is unknown (boss, client, future spouse, random person you'll never meet again).
by stan1
Tue Mar 22, 2016 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Changing careers to finance mid 30's
Replies: 40
Views: 3728

Re: Changing careers to finance mid 30's

Do you have any interaction with the executives you cook for in your current job (e.g. make customized dishes for them or handle special requests, able to walk around the dining room and ask them if they like their meal)? Seems like you are very close to being able to build a network if you have som...
by stan1
Mon Mar 21, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Bad service - Dispute transaction with credit card company?
Replies: 14
Views: 1494

Re: Bad service - Dispute transaction with credit card company?

The Fair Credit BIlling Act covers billing errors not consumer regret and dissatisfaction so I don't think you'd get much sympathy from the credit card issuer. But maybe your state has a different law. A billing error is something like a double charge, a charge for something that was returned but no...
by stan1
Sun Mar 20, 2016 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Retired and Risk Averse - Suggestions Please
Replies: 27
Views: 2323

Re: Retired and Risk Averse - Suggestions Please

If you really are risk averse you might put some of it into FDIC insured CDs at a bank/credit union (since you are living off SS/pension). That's going to pay much more than Vanguard's money market fund. You could do: 1/3 S&P 500 Index (or Total Stock Market) 1/3 Total Bond Market 1/3 5 year CD ...
by stan1
Sun Mar 20, 2016 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: not filing CA state income tax if getting a small refund
Replies: 14
Views: 1085

Re: not filing CA state income tax if getting a small refund

Yes, seems like he might qualify for the "free" online version of TurboTax (federal and state).
by stan1
Sun Mar 20, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: Importance of parental involvement in education.
Replies: 31
Views: 2423

Re: Importance of parental involvement in education.

For OP: Make the decision in 10 years (if everything has gone according to the plan you've laid out). In the meantime enjoy your family, live within your means and save enough to give yourselves flexibility if you need it in the future.
by stan1
Sun Mar 20, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Strategies for significant capital gains
Replies: 10
Views: 1007

Re: Tax Strategies for significant capital gains

Are these stock options or shares you own outright in an employee stock ownership plan or something else?
by stan1
Fri Mar 18, 2016 10:46 pm
Forum: Personal Consumer Issues
Topic: Dishwasher recommendation.
Replies: 44
Views: 3048

Re: Dishwasher recommendation.

Appliance manufacturers are about halfway through a multi-decade long battle to convince people these are generally disposable products -- not repairable products.

"Resistance is futile ..."
by stan1
Fri Mar 18, 2016 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29; stay in smaller house or buy a bigger house?
Replies: 44
Views: 4021

Re: Age 29; stay in smaller house or buy a bigger house?

Quality of life is it. Commute time, schools, parks, family/friends/neighbors. I wouldn't give up having those close by for a big house. Also I would not buy ahead of need.
by stan1
Fri Mar 18, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Suburbs with high ownership
Replies: 29
Views: 2672

Re: Suburbs with high ownership

I think you'd find good suburbs to live in by spending a few minutes looking through the city-data forums for each city. Comparing median income for the zip code with median for the metro area is going to give you many of the same zip codes. Household size if lots of kids or few kids matters to you....
by stan1
Fri Mar 18, 2016 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I proactively freeze my credit?
Replies: 18
Views: 1223

Re: Should I proactively freeze my credit?

The 3 credit bureaus make money by selling your data so they don't go out of their way to make this overly user friendly or convenient, but I've had my credit frozen now for about 2 years and am glad I did so. We did buy a new house last summer and although I had problems with one of the 3 bureaus w...
by stan1
Fri Mar 11, 2016 9:35 am
Forum: Investing - Help with Personal Investments
Topic: How to invest while living in Ukraine?
Replies: 5
Views: 495

Re: How to invest while living in Ukraine?

Did the friend ask you to become involved in his finances, such as holding the account in your name or facilitating transfers of funds? I'd say no to that.
by stan1
Wed Mar 09, 2016 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: House Accidentally in Deed of Trust
Replies: 4
Views: 823

Re: House Accidentally in Deed of Trust

Before you do anything go down to your county/city recorder's office (or similiar) and do a records search against the property to make sure there aren't any other documents recorded that are dated later and which are missing in your records. Sometimes you can do this online these days -- and someti...
by stan1
Wed Mar 09, 2016 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing real estate agent for selling house
Replies: 6
Views: 573

Re: Choosing real estate agent for selling house

I sold my mom's 45 year old house a few years ago. What I did was make certain that it was priced slightly below market value based on the closest comps we could find. There weren't any exact comps so we were looking at houses that were 20 years newer. We got a full price offer about 60 days after w...
by stan1
Wed Mar 09, 2016 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mom needs long term care - assets into trust?
Replies: 22
Views: 2205

Re: Mom needs long term care - assets into trust?

Don't move any money around until you've talked to the elder care attorney in your mom's state.
Try to keep the records clean until you have the advice of the attorney.
Definitely don't give anyone "gifts" out of her accounts.
by stan1
Sun Mar 06, 2016 9:30 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 98
Views: 7032

Re: Cities good for living abroad?

Depending on your situation, you'll need to get smart on Schengen visa requirements. I will. I assume that since we have no intention of earning any income or doing any business there, it will not be a real problem. L. You assume wrong. With that approach you could well get an "illegal immigra...
by stan1
Sun Mar 06, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 2992

Re: Virginia Tech vs. NC State [choosing a school]

There will be some debate whether its better to be a B student at VT or a C student at GA Tech. I don't know the answer but a lot of it is going to be how the student responds. I was a B student with some Cs at a very prestigious public university majoring in Electrical Engineering. I did get a job ...
by stan1
Sat Mar 05, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 2992

Re: Virginia Tech vs. NC State [choosing a school]

I work with several VT grads who had a good experience (albeit 20+ years ago). Agree the college community around VT is something that might be appreciated in years to come although being in the RTP area will offer more opportunities for local and career relevant summer jobs. Some schools let studen...
by stan1
Sat Mar 05, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: Storing Files on the 'Cloud' - Security Fears?
Replies: 8
Views: 614

Re: Storing Files on the 'Cloud' - Security Fears?

I'd be a lot more concerned about it if you are a high profile individual who might be targeted. That includes public figures like politicians and actors but also scientists, C-level executives and their staff, and attorneys who might be targeted because you would be expected to have access to intel...
by stan1
Sat Mar 05, 2016 8:58 am
Forum: Personal Finance (Not Investing)
Topic: How much fed tax do you withhold?
Replies: 22
Views: 1812

Re: How much fed tax do you withhold?

I try to owe feds and state $100-300 each. Usually takes me 2 or 3 years to get that perfected after a large income or deduction change though. In September or October I sometimes adjust withholding for the rest of the year to fine tune.
by stan1
Fri Mar 04, 2016 11:09 pm
Forum: Personal Consumer Issues
Topic: housing: am I just being too picky?
Replies: 60
Views: 6508

Re: housing: am I just being too picky?

To get RV parking around here with a reasonable commute time you'd need to be looking at older (1950s-1970s) neighborhoods that have larger/wider lots and no HOA -- possibly in an area that was semi-rural at the time some houses were built but now has denser development. Maybe zoned for horses or li...
by stan1
Thu Mar 03, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Using electronic lock box when selling house
Replies: 28
Views: 1624

Re: Using electronic lock box when selling house

goshenBogle: You are not wrong to not use a lock box, especially since you are still living in the house. I would NEVER allow a lock box while still occupying the house. Interested buyers will go through their realtor, who will contact your realtor to arrange a visit. No problem. It really depends....
by stan1
Thu Mar 03, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Using electronic lock box when selling house
Replies: 28
Views: 1624

Re: Using electronic lock box when selling house

Is your goal to sell the house soon or are you listing the house to see if anyone will pay a high price for the property? Keeping a house ready for buyers to walk through is a lot of work. We wanted to get it over with quickly. You should have the house decluttered, moved out some furniture, and spo...
by stan1
Wed Mar 02, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Building a house in 5-10 years from now
Replies: 10
Views: 910

Re: Building a house in 5-10 years from now

Simple: spend a lot less than you earn.

Two ways to do that: spend less and earn more.

Sorry there's no other secrets.
by stan1
Sun Feb 28, 2016 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house - Is dual agency relationship a good or bad idea?
Replies: 41
Views: 2338

Re: Selling house - Is dual agency relationship a good or bad idea?

We have sold three homes over the past 30 years. Twice the listing agent brought in the buyer and it almost happened the third time. It went down like this: 1) Listing agent held first open house. Buyer visited open house without an agent and our listing agent became the buyers agent. There were mu...
by stan1
Sun Feb 28, 2016 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house - Is dual agency relationship a good or bad idea?
Replies: 41
Views: 2338

Re: Selling house - Is dual agency relationship a good or bad idea?

We have sold three homes over the past 30 years. Twice the listing agent brought in the buyer and it almost happened the third time. It went down like this: 1) Listing agent held first open house. Buyer visited open house without an agent and our listing agent became the buyers agent. There were mul...
by stan1
Sun Feb 28, 2016 8:44 am
Forum: Personal Consumer Issues
Topic: Seeking advice on neighbor issue
Replies: 36
Views: 3188

Re: Seeking advice on neighbor issue

Maybe your city is different than mine but it is not common around here for the city to do anything until it is a public health hazard. They definitely aren't going to do anything if it is some clutter in a side yard behind a fence. Not clear from your description whether this is a few items or a ho...
by stan1
Sun Feb 14, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: HOA Investing [Home Owner's Association]
Replies: 12
Views: 1252

Re: HOA Investing

I don't know any specifics on this specific account or bank, but it is often the case that high yielding savings accounts are not offered to organizations - only to people. Here is a link to get more information on this bank & account. It is up to the OP to check it out & determine whether ...
by stan1
Sat Feb 13, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: HOA Investing [Home Owner's Association]
Replies: 12
Views: 1252

Re: HOA Investing

I serve on a HOA board. I wouldn't under any circumstances vote to invest the reserve fund (which is over $400K for a 60 unit complex) in any way that could lose value. Not worth the personal risk (whether real or perceived by others). Also may not be allowed by your state.
by stan1
Thu Feb 11, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: White Kitchen Cabinets?
Replies: 55
Views: 4998

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: 55
Views: 4998

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: 14
Views: 1150

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: 207

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: 2862

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: 1924

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: 625

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: 1358

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: 3653

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: 1388

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: 5429

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: 5429

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...

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