Search found 4152 matches

by mouses
Sun Jun 21, 2020 4:54 am
Forum: Personal Finance (Not Investing)
Topic: Might buy a beach house. Looking for advice.
Replies: 42
Views: 5888

Re: Might buy a beach house. Looking for advice.

We are familiar with hurricane season (the above advice never to buy a home in a hurricane susceptible area would vacate both coasts of Florida). There's then and there's now. Where I live erosion and rising sea level have brought the water very noticeably further inland in the last several decades...
by mouses
Sun Jun 21, 2020 4:44 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing buyers realtor; confused
Replies: 38
Views: 3861

Re: Interviewing buyers realtor; confused

Why can’t you find a neighborhood and lots you like and send letters yourself? You can offer more to the home owner since you don’t charge a commission. If you want to go the realtor route you will need to talk to friends and others to get names. Then interview and see what they say. It is a bit of...
by mouses
Sun Jun 21, 2020 4:41 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing buyers realtor; confused
Replies: 38
Views: 3861

Re: Interviewing buyers realtor; confused

eagleeyes wrote: Fri Jun 19, 2020 7:12 pm neighbors are nice but a little close for comfort (half acre lots).
Some people would call this a neighborhood.
by mouses
Sat Jun 20, 2020 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Amica
Replies: 40
Views: 3715

Re: Disappointed in Amica

tivattom wrote: Fri Jun 19, 2020 5:47 pm I fired Amica this year for the same reason. They constantly raised my home replacement value over and over again and over the years I had raised my deductibles higher than was probably reasonable.
Construction costs ARE going up in my area.
by mouses
Sat Jun 20, 2020 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Amica
Replies: 40
Views: 3715

Re: Disappointed in Amica

For the third year in row, Amica has increased our car insurance premiums by increasing our estimated annual mileage. Each year I call and reaffirm that our mileage will be less than half of their new estimate. They then adjust our rate back down. I suppose a lot of people either don't notice or do...
by mouses
Sat Jun 20, 2020 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund is late
Replies: 102
Views: 4160

Re: Federal tax refund is late

Does no one read the news? There is a pandemic. What do you think the IRS workers are doing, risking their lives to process paper returns?

No. Wait until they are back at work.

How many threads have we seen as I mailed my tax return nothing has happened.
by mouses
Sat Jun 20, 2020 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Learning how to do your own taxes?
Replies: 48
Views: 2704

Re: Learning how to do your own taxes?

sailaway wrote: Fri Jun 19, 2020 9:59 pm
The gathering of the forms and information is the only part I find taxing. If a CPA could do that part, I would probably pay them with a smile.
Forms: click click click on the irs website. I keep a running track of info during the year.
by mouses
Fri Jun 19, 2020 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Learning how to do your own taxes?
Replies: 48
Views: 2704

Re: Learning how to do your own taxes?

I don't use any tax software and do my own taxes each year. Print out a 1040 and read the instructions. For most people, it's not difficult. That's true. When we get people coming in to TaxAide who have historically done their returns by hand, the Federal is often correct but they hose up the state...
by mouses
Fri Jun 19, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Learning how to do your own taxes?
Replies: 48
Views: 2704

Re: Learning how to do your own taxes?

I've done my own taxes by hand for decades. I download the forms and instructions from irs.gov. They also have more detailed instruction booklets on various topics. Pub. 17 covers many things in detail. There is an IRA pub whose number I forget. Pretty much every form has its own set of instructions...
by mouses
Fri Jun 19, 2020 8:42 am
Forum: Personal Consumer Issues
Topic: New construction house - what to consider?
Replies: 161
Views: 10289

Re: New construction house - what to consider?

16kw Generac installed, whole house transfer switch, load shedding module for AC, wiring, gas piping (did not need larger capacity added from gas company), cement pad, first year maintenance, cost me $7800. I think there was an additional charge to bring an additional 100 amps in from the street. Wh...
by mouses
Fri Jun 19, 2020 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13503

Re: Parents in a tough situation for retirement

Quirkz and JackFFR1846 have given you sound advice in my opinion. 1) My mother got an inheritance about 20 years ago and I suggested a Bogleheads solution. My Dad took her money and ran down to the bank and gave it all to some "investment consultant" who promptly put her money into front load funds...
by mouses
Thu Jun 18, 2020 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Might buy a beach house. Looking for advice.
Replies: 42
Views: 5888

Re: Might buy a beach house. Looking for advice.

Why would you even consider buying a place in a hurricane zone???? :oops: Think it out and be rational about the plus minuses and you will come to your senses. Well, there is this. A house down the street from me, waterfront, but about twenty feet above the beach, is under contract for about $800,0...
by mouses
Thu Jun 18, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10585

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

I've heard of this in the past for very expensive houses or ones owned by celebrities. They want only serious potential buyers. I can certainly see why the coronavirus makes this more common.
by mouses
Thu Jun 18, 2020 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13503

Re: Parents in a tough situation for retirement

I wipe out my social security each year with prescription costs, and I have a Plan D. You spend your entire social security income on medication? So if you only had social security income and no other income what would happen? Would you be dead? Or would the drug company or some other charity give ...
by mouses
Thu Jun 18, 2020 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill on inheritance
Replies: 13
Views: 1714

Re: Tax bill on inheritance

I haven;t read everything but: I thought IRAs couldn't be in the name of the trust but had to be owned by the individual. I thought inheritances weren't taxed other than on any gains since the person's death as they have a step up basis. The executor/trustee should be telling the beneficiaries exact...
by mouses
Thu Jun 18, 2020 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: 36 YO wife getting Medicare related Junk Mail
Replies: 20
Views: 1197

Re: 36 YO wife getting Medicare related Junk Mail

Actual AARP junk mail can be turned off by phoning them.

I'm amazed at the number of people who complain about junk mail and never make any attempt to get off the mailing lists.
by mouses
Thu Jun 18, 2020 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13503

Re: Parents in a tough situation for retirement

There is always wellfare, food stamps + social security. As long as they have a place to live til they die, they are gonna be ok. Uh, no. You're assuming that pays the mortgage. Pays healthcare costs besides what Medicare pays for, and Medicare itself is not cheap. I wipe out my social security eac...
by mouses
Thu Jun 18, 2020 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?
Replies: 31
Views: 2408

Re: Leaving Amica for Cincinnati, Erie, Travelers, or MetLife?

Amica does its dividend in the next 1-2 months. I expect you were quoted a price without the dividend taken into effect.
by mouses
Thu Jun 18, 2020 7:27 am
Forum: Personal Consumer Issues
Topic: My very first $martphone!!! Please help me decide.
Replies: 45
Views: 3104

Re: My very first $martphone!!! Please help me decide.

Looks like the magnetometer sensor is only for compass applications. If you don't need your phone to tell you where north is, you're ok without it. Hmm, that's a bummer. I rely on the compass in Google map a lot especially in a new city. Hmm, was leaning in the G power but now not so sure. Got to t...
by mouses
Wed Jun 17, 2020 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Might buy a beach house. Looking for advice.
Replies: 42
Views: 5888

Re: Might buy a beach house. Looking for advice.

What flood zone is it in? What would the flood insurance premium be? Due to the way flood insurance premiums are determined, the current owner may be paying less than you would. Note how flood premiums are projected to increase for owners not grandfathered in. Can you even get homeowner's insurance ...
by mouses
Wed Jun 17, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Beneficiary rights in missing trust?
Replies: 15
Views: 703

Re: Beneficiary rights in missing trust?

I have a pour over will and a revocable living trust. The will says everything I have at the time of my death goes into the trust. The will names the estate executor and successor executors. The trust names the trustee and successor trustees (they happen to be the same as the executor and successor ...
by mouses
Wed Jun 17, 2020 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13503

Re: Parents in a tough situation for retirement

The entitlement here is ridiculous. We are talking about able people in their 50's-60's. Why should you have to enable what some would consider an early retirement? My Mom is in her mid-70's and is still working part-time for two reasons: 1) to keep active and sharp and 2) to pay for some extras in...
by mouses
Wed Jun 17, 2020 8:07 am
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 123
Views: 14610

Re: Should I sell my stash of dental floss now worth $3,000?

Now if only Amazon would get my Korean small/ultra soft toothbrushes back I'd be happy. My retired dentist had small soft toothbrushes as giveaways. I got the ordering info from him and ordered the smallest number possible, probably a hundred or so, for about 17 cents apiece from the supply company...
by mouses
Wed Jun 17, 2020 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Parents in a tough situation for retirement
Replies: 117
Views: 13503

Re: Parents in a tough situation for retirement

Also, assuming you want to sell that house soon (which makes sense if you don't want to be entangled financially anymore), how will you get them to move out, especially if they are living there at no or below-market rent? The parents are paying the mortgage, so that's (1) perhaps an amount equal to...
by mouses
Tue Jun 16, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 123
Views: 14610

Re: Should I sell my stash of dental floss now worth $3,000?

Pigeye Brewster wrote: Tue Jun 16, 2020 4:03 pm This sort of reminds me of the Seinfeld episode when Elaine has to decide if a guy is "sponge-worthy". :beer
:-)
by mouses
Tue Jun 16, 2020 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary rights in missing trust?
Replies: 15
Views: 703

Re: Beneficiary rights in missing trust?

The attorney who drew up the will maybe/probably also drew up the trust. I don't know if your nephews, as beneficiaries, have the right to ask him for a copy of the trust, but I would certainly think so.

I would not take Cain's word for anything.
by mouses
Tue Jun 16, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8136

Re: Would you rent your house to a famous athlete?

I would never again rent to anyone.
by mouses
Tue Jun 16, 2020 11:48 am
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 123
Views: 14610

Re: Should I sell my stash of dental floss now worth $3,000?

I remember when you were never going to be able to get Twinkies again. Not sure what saved them but we have them in our pantry (much to my chagrin). I'm betting the product comes back. I remember the New York Times article of a lady buscando(sp?) los Twinkies at her bodega. SkyBars are back however...
by mouses
Tue Jun 16, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 123
Views: 14610

Re: Should I sell my stash of dental floss now worth $3,000?

Don't count on it coming back into production. Johnson & Johnson first aid cream, those Pledge dusting cloths unscented grab dust instead of just moving it around, both gone.
by mouses
Tue Jun 16, 2020 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11733

Re: Prenup? What Should It Say?

She is putting her life on the line in pregnancy? Give me a break. This isn't the 1800s anymore. Childbirth is incredibly safe unless the mother inexplicably opts for a home birth over a hospital birth or the mother has serious, pre-existing health conditions before the pregnancy. US childbirth mor...
by mouses
Mon Jun 15, 2020 7:50 am
Forum: Personal Consumer Issues
Topic: Tipping on curbside pickup?
Replies: 44
Views: 3649

Re: Tipping on curbside pickup?

Some will not accept them, but we simply put an envelope in the rear of the car where they put grocery or carryout items with something like "For you" written on it. These folks are among those who serve those of us fortunate enough to have this option. Both they and business owners need the cash. ...
by mouses
Mon Jun 15, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Need Landline Phone with "Parental Controls" for 90 yo
Replies: 19
Views: 1671

Re: Need Landline Phone with "Parental Controls" for 90 yo

1. Get a landline. Never disclose the number, not even to your family. 2. Get a Google voice line for free 3. Forward all Google voice calls to the land line. The Google voice number is the number you give out. You can monitor and set up whatever call blocking, notifications, etc. you want to imple...
by mouses
Sun Jun 14, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: Feminine Beauty Products - best bang for your buck?
Replies: 35
Views: 3449

Re: Feminine Beauty Products - best bang for your buck?

For midpriced stuff--look at Paula's Choice, esp for toners, serums, acne etc. For recommendations of drugstore brands, look at Beautypedia (used to be owned by Paula's Choice). Reliable brands are Eucerin, Cerave. Make sure you wear sunscreen. Most exfoliants with little beads will irritate/destro...
by mouses
Sun Jun 14, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup? What Should It Say?
Replies: 232
Views: 11733

Re: Prenup? What Should It Say?

She is putting her life on the line in pregnancy? Give me a break. This isn't the 1800s anymore. Childbirth is incredibly safe unless the mother inexplicably opts for a home birth over a hospital birth or the mother has serious, pre-existing health conditions before the pregnancy. US childbirth mor...
by mouses
Sun Jun 14, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Feminine Beauty Products - best bang for your buck?
Replies: 35
Views: 3449

Re: Feminine Beauty Products - best bang for your buck?

30 year old female, realizing my college beauty product regiment is no longer doing the job so looking for some replacements. Looking for products I could find at Target/Amazon, not at department store prices. Dry sensitive skin with lots of acne scars Starting to get forehead/eyebrow wrinkles Mous...
by mouses
Sun Jun 14, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: Kitchen Counter Top Appliance with Multiple Functions?
Replies: 22
Views: 1638

Re: Kitchen Counter Top Appliance with Multiple Functions?

I think it depend on which of those features your Mom would use or want. If she is downsizing, she may or may not want another item.
by mouses
Sun Jun 14, 2020 9:07 am
Forum: Personal Consumer Issues
Topic: how much to tip painters
Replies: 66
Views: 4435

Re: how much to tip painters

1. Quote job with an appropriate profit margin. 2. Complete job with best possible quality to improve word-of-mouth advertising. 3. Collect quoted payment. Where does the tip fit in? Please stop perpetuating this dumb practice. Usually said by folks in their high paid white collar jobs who either n...
by mouses
Sun Jun 14, 2020 2:24 am
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4661

Re: heated driveway?

Geez, what made you think that? I drive safely, walk, no one with the exception of bogleheads has even remotely said I shouldn't drive or should go to assisted living. However, shoveling deep snow for long enough in freezing weather is pushing it. According to a survey 100% of senior drivers said t...
by mouses
Sat Jun 13, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4661

Re: heated driveway?

The fact that it’s only 2 car widths wide by 1 car length long implied pretty limited ability as that would take about 5 minutes to clear. 😄 There speaks someone who has never shoveled snow, or never shoveled snow more than 2 inches deep. I live in a semi-rural semi-suburban area. I have one neighb...
by mouses
Sat Jun 13, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4661

Re: heated driveway?

According to a survey 100% of senior drivers said they were safe drivers. If I were an unsafe driver, people would be telling me to stop driving, my insurance wouldn't renew, etc. According to a survey I just took this minute, a 100% of younger people think anyone over a certain age is incompetent.
by mouses
Sat Jun 13, 2020 11:48 am
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4661

Re: heated driveway?

I would still say we're operating on the assumption that we're dealing with someone too physically limited to operate any kind of equipment, drive, or possibly even walk. Geez, what made you think that? I drive safely, walk, no one with the exception of bogleheads has even remotely said I shouldn't...
by mouses
Sat Jun 13, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4661

Re: heated driveway?

So much for privacy :-) We are talking snow removal here, not how to consign mouses to the rubbish heap. Exercise is good. It keeps you off the rubbish heap. It seems you might be destined to shovel your own snow from all the responses you have given. Yes, I'm beginning to think that's what will ha...
by mouses
Sat Jun 13, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4661

Re: heated driveway?

livesoft wrote: Sat Jun 13, 2020 10:49 am I rented the upstairs of a home of a pensioner who lived downstairs and didn't need all the space. I shoveled snow as part of the deal.
So much for privacy :-)

We are talking snow removal here, not how to consign mouses to the rubbish heap.
by mouses
Sat Jun 13, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4661

Re: heated driveway?

This leaves me, an ancient person...... It might be worth considering if moving to a condo or senior community where they take care of things like this would be a choice good for you. In addition to the snow a different situation might be better for other things too and allow you to live independen...
by mouses
Sat Jun 13, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4661

Re: heated driveway?

Nate79 wrote: Sat Jun 13, 2020 9:15 am Have you tried posting ads on Facebook or other places to find a local teen interested in a little shoveling? No neighbors with a kid interested in a little money?
Yes, done that, facebook and nextdoor. Kids working chores for money no longer seem to exist.
by mouses
Sat Jun 13, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: $120,000 in credit card debt
Replies: 72
Views: 9714

Re: $120,000 in credit card debt

We need to know what happened. Also, is the business still going to be a money drain, in which case you should perhaps get rid of it. I would keep a six months emergency fund and use the rest of the divorce settlement to pay off the highest interest rate debts and then progressively the rest. I woul...
by mouses
Sat Jun 13, 2020 8:14 am
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4661

Re: heated driveway?

bob60014 wrote: Sat Jun 13, 2020 8:11 am Just look for another snow removal contractor or kid in the neighborhood to remove the snow. Fewer issues and lower costs.
Third post of mine saying that does not work.
by mouses
Sat Jun 13, 2020 7:54 am
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4661

Re: heated driveway?

Such a system would be out of my ability to afford it. It might be cheaper to move to a motel before any expected snow starts. I'm sure my cat would be thrilled with that. Either his fear of a new place and worries about hotel housekeeping letting him out, or my somehow getting home every day to fe...
by mouses
Sat Jun 13, 2020 7:26 am
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4661

heated driveway?

The guys who have been doing snow removal at my house for several years are shutting down that business. This leaves me, an ancient person, with possibly no way to get snow removed. So far I have come up with zero possibilities despite contacting a number of possibilities. I think the fact that it's...
by mouses
Fri Jun 12, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer title of auto to son -- necessary?
Replies: 40
Views: 2495

Re: Transfer title of auto to son -- necessary?

I was sued. Did I mention that the woman worked for lawyers? Her fender was barely scratched, but she claimed she was disabled permanently. (I suppose it was coincidence that she was in her sixties when she was in the accident and retired shortly after.) She got about 20k from my insurance company....