Search found 33 matches

by wstrdg
Sun Mar 26, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Buying Sunglasses
Replies: 20
Views: 1938

Re: Buying Sunglasses

+1 for Zenni. Great prices & great quality.
by wstrdg
Tue Mar 21, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Child Planning Checklist
Replies: 29
Views: 1557

Re: Child Planning Checklist

A portable playpen may be more useful than a crib. When the baby starts to try to climb out, transition to a twin-size mattress on the floor. If the baby rolls off the mattress, no injury. As far as dressers go, we bought Elfa basket/frame units when our children were toddlers (20-25 yrs ago). They ...
by wstrdg
Sat Mar 11, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Cuttting the cable tv negotiation & the scam
Replies: 33
Views: 3103

Re: Cuttting the cable tv negotiation & the scam

flyingbison: Our media entertainment now comes from Amazon, Netflix, broadcast TV (only for local news/weather and PBS), and the public library +1. The Mohu Leaf antenna works well in our (very hilly) area. We attached it to a window (great asthetic, too!) We also use Redbox, but in our experience, ...
by wstrdg
Wed Mar 01, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 81
Views: 4627

Re: What Car Should I Buy My Daughter as a Graduation Present

And if she even wants a car in the first place?And if she even wants a car in the first place? +1 First son has a car and bikes/takes bus to work bc there is no parking Second son has a car and bikes/takes train to work bc traffic is a nightmare and no parking Daughter made it thru grad school with...
by wstrdg
Sun Feb 26, 2017 5:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 10488

Re: Vanguard opens special offices for $1 million clients

It seems that crossing the $1 million mark does not automatically upgrade your household to Flagship. My Personal Advisor said that the system periodically reviews and offers upgrades but otherwise you need to request the upgrade when your math shows that you qualify.
by wstrdg
Fri Feb 24, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 29
Views: 4104

Re: PurePoint 1.25% online savings $10K min

Gronnie asked: How long do ACH transactions to/from take, are there any fees, etc? I opened my account in less than 5 minutes. They didn't seem to do a soft credit pull (no questions), and they didn't do the typical microdeposits to link the transferring bank. I got immediate email confirmation. He...
by wstrdg
Fri Feb 24, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best high-interest checking/savings account?
Replies: 10
Views: 802

Re: Best high-interest checking/savings account?

PurePoint 1.25% 10K minimum. Owned by Mitsubishi. FDIC insured. Some brick & mortar locations west of the Rockies.
by wstrdg
Fri Feb 24, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 29
Views: 4104

Re: PurePoint 1.25% online savings $10K min

Who is PurePoint?
Our parent company, Mitsubishi UFJ Financial Group (MUFG), is the 5th largest bank in the world with total assets of over $2.4 trillion.


FDIC insured
by wstrdg
Fri Feb 24, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Is it safe to use an antique mold pan?
Replies: 10
Views: 1026

Re: Is it safe to use an antique mold pan?

Might contain lead, cadmium, copper salts: https://www.chowhound.com/post/risks-vintage-cookware-838224

Hang it on your wall as art.
by wstrdg
Wed Feb 22, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Overestimated income on 2017 ACA application
Replies: 4
Views: 357

Re: Overestimated income on 2017 ACA application

We also have wildly variable annual income. In our case, we overestimated for 2016, resulting in a bigger refund after filing our 2016 tax return. And we underestimated income for 2017 when we re-enrolled in late 2016. We paid our first 2017 premium (for January 2017) in October 2016, with a big sub...
by wstrdg
Sat Feb 18, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 7285

Re: Need advice on girlfriend debt/finances

+1 We were all formerly childless.
by wstrdg
Thu Feb 16, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella 1 million $500
Replies: 32
Views: 2326

Re: Umbrella 1 million $500

If you raise the liability on your auto policy first, then you may find a separate PUP cheaper.


Good idea but our agent says we are at the max on underlying auto.
by wstrdg
Thu Feb 16, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella 1 million $500
Replies: 32
Views: 2326

Re: Umbrella 1 million $500

A good provider of umbrella insurance is RLI. I have included a link below that you can use to get a quote online.


Thanks for the link. The online quote was $613/year. Our agent said our zipcode was a high rate area -- guess she wasn't kidding.
by wstrdg
Thu Feb 16, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella 1 million $500
Replies: 32
Views: 2326

Re: Umbrella 1 million $500

Rates depend upon how many cars you own, how many drivers you have in your home and if there are any younger drivers


Two middle-aged adult drivers only. Two old cars. No tickets, claims, etc.
We do own a house and 2 condos, but that only adds about $60. The condos are owner-occupied, not rentals.
by wstrdg
Thu Feb 16, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard personal advisor gone AWOL
Replies: 3
Views: 1148

Vanguard personal advisor gone AWOL

Had a very nice telephone consultation with Vanguard personal advisor in late January. She said she would send our plan to our Vanguard message box, and she scheduled a follow-up for 2 weeks later. I had to reschedule the follow-up for a later date -- because the plan has not yet arrived in my messa...
by wstrdg
Thu Feb 16, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella 1 million $500
Replies: 32
Views: 2326

Umbrella 1 million $500

We've been shopping umbrella coverage. Definitely want excess uninsured/underinsured motorist coverage, as we figure that's our greatest risk. We have underlying autos at 250K/500K. $500/year seems really high. We don't have a pool, boat, plane, etc. And this excludes any business coverage (we're re...
by wstrdg
Tue Feb 14, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Kids in Apartment Sharing Bedroom - Workable?
Replies: 55
Views: 3464

Re: Kids in Apartment Sharing Bedroom - Workable?

Kids don't care. And they may prefer to be together. We split our 3 among 2 bedrooms based on gender -- but our youngest refused to sleep in a room alone. So we moved her in with a brother. And the big bro got his own room. Don't be surprised if your kids PREFER rooming together. If you don't tell t...
by wstrdg
Mon Feb 13, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Windshield repair gone wrong....
Replies: 19
Views: 2284

Re: Windshield repair gone wrong....

Replace. Reputable repair won't leak. We had ours done after 15 years and even with all that sun damage on the seals, it's just fine. Leave the tape on for the recommended time -- then remove it gently.
by wstrdg
Mon Feb 13, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 2492

Re: New car for wife and what to do with old car

Since you have children, check out this website, Institute of Highway Safety for 2 factors: (1) crash worthiness & (2) crash avoidance/mitigation http://www.iihs.org/iihs/ratings We are a Honda family, but this site convinced us that Subaru Forester beat the Honda CRV when it came to safety.
by wstrdg
Sat Feb 11, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 2776

Re: Convince Wife for Honda Odyssey

Rent one for a week. Everyone is against a minivan until they actually use one. +1 But make sure you rent a Honda Odyssey, not a different make/model. That may be a challenge. We've rented Dodge, Chrysler, Chevrolet minivans and they aren't equivalent at all. We still drive our 2000 Odyssey (bought...
by wstrdg
Thu Feb 09, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: First Steps in My Retirement Planning
Replies: 4
Views: 659

Re: First Steps in My Retirement Planning

Shop around for student loan refinancing. You might do better. SoFi is a good place to start. https://www.sofi.com/refinance-student-loan/refinance-student-loan-rates/
by wstrdg
Thu Feb 09, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Eating an Elephant Need Advice [Portfolio help]
Replies: 11
Views: 2264

Re: Eating an Elephant Need Advice

+1 5. Breaking up with your FA: don't tip your hand. No need to discuss it with the FA. If the FA knows you're bolting the barn, you may find yourself pitched lots of stuff that can delay the move. My FA (actually my deceased parent's) actually suggested that I should leave bonds with her for a few ...
by wstrdg
Thu Feb 09, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Innovations in residential home buy/sell market
Replies: 0
Views: 229

Innovations in residential home buy/sell market

http://www.lendacademy.com/buying-selling-financing-homes-changing/

Innovations discussed include lower downpayment to shared equity schema to middleman-buyer to guaranteed-sale
by wstrdg
Tue Feb 07, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Transition from private insurance to Medicare
Replies: 21
Views: 1307

Re: Transition from private insurance to Medicare

Make an appt with these folks before you turn 65. http://www.seniorsresourceguide.com/directories/National/SHIP/ I once was a volunteer counselor with my state's SHIP (Health Insurance Assistance Program ): "SHIP is a free health benefits counseling service for Medicare beneficiaries and their ...
by wstrdg
Tue Feb 07, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Please help with real estate question
Replies: 40
Views: 2410

Re: Please help with real estate question

The problem with that are the realtor fees and closing costs, which are substantial. No realtor required. National Family Mortgage charges a flat fee of about $1700. Value of the house is well below the lifetime gift allowance. Why not have them gift it to me? Run the numbers both ways. Question: i...
by wstrdg
Tue Feb 07, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Please help with real estate question
Replies: 40
Views: 2410

Re: Please help with real estate question

Consider purchasing the house from your parents in an arm's length/fair market value transaction. They can pay off their mortgage with the proceeds (assuming they have some equity). You get the tax benefits of deducting mortgage interest and property taxes. Your parents have an income stream from yo...
by wstrdg
Mon Feb 06, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Independent Contracting/Side Work
Replies: 5
Views: 633

Re: Independent Contracting/Side Work

You can wait until year-end to adjust your withholding, after you have a handle on your net income figure. Withholding is treated as paid ratably, regardless of when you adjust it via Form W-4. That's the beauty of this method.
by wstrdg
Mon Feb 06, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer advice
Replies: 16
Views: 1481

Re: First time home buyer advice

Agree with everything taguscove said, except #3. Title insurance protects the largest one-shot investment you will probably ever make, and it will reveal easements, etc that may not be apparent to your naked eye. Consider Redfin to lower your broker's fee. They don't operate in all areas, but they a...
by wstrdg
Mon Feb 06, 2017 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Independent Contracting/Side Work
Replies: 5
Views: 633

Re: Independent Contracting/Side Work

There is no requirement to pay quarterly taxes, as such. The IRS however, will impose an underpayment penalty if the amount of tax you have paid during the year (withholding from wages and other sources + quarterly estimated tax payments + overpayment applied from prior year) is less than 90% of you...
by wstrdg
Sat Feb 04, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: What bulk nuts do you buy and from where?
Replies: 26
Views: 2296

Re: What bulk nuts do you buy and from where?

Trader Joe's for seeds (sunflower, pumpkin)
Costco for most other (cashew, pecan, walnut, almond)
https://nuts.com/ for brazil nuts

I avoid the bulk/bag-it-yourself stuff at Sprouts bc I've seen other customers do some very unsanitary stuff, like digging around with bare hands :shock:
by wstrdg
Sun Jan 29, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2226
Views: 613193

Re: What Book Are You Currently Reading? Part VI

The Case Against Sugar, Gary Taubes.

Dense and compelling case that based on history and science, sugar is a toxin. Consumption of any amount may not be safe. It sounds like a crazy hypothesis, but Taubes supports it well.

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