Search found 1760 matches

by RudyS
Fri May 29, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy a scale to ship stuff?
Replies: 13
Views: 719

Re: Do I need to buy a scale to ship stuff?

I used an older model of this for many years, selling on eBay. Also saved quite a bit on "slightly" overweight letters instead of just guessing and putting on extra postage "just in case".

https://www.oldwillknottscales.com/my-w ... hip35.html
by RudyS
Fri May 29, 2020 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Put checking accounts in living revocable trusts?
Replies: 41
Views: 7657

Re: Put checking accounts in living revocable trusts?

When my wife and I funded our revocable trust, our lawyer firmly told us NOT to include the checking account. The reason was that access to the checking account by the survivor may not be immediately possible at our individual death. He suggested that we keep that as a joint account. All other asse...
by RudyS
Wed May 27, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment Help
Replies: 18
Views: 1098

Re: Medicare Enrollment Help

I do have a notarized durable financial and medical power of attorney. She had me do this a few years ago before we really knew there was a problem. I haven't tested it yet as she's been mostly cooperative and we haven't made any major changes to her finances yet. I am getting push back from banks ...
by RudyS
Wed May 27, 2020 9:06 pm
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 68
Views: 5533

Re: At what moment does retirement begin?

In the past, I've been quite insistent that "being retired" means you are no longer working for money. But, for this thread, I sort of already feel retired. I'm still working the same job I have had for 20 years. Decently high up and well compensated. But about 9 months, I "mentally quit". So I sti...
by RudyS
Wed May 27, 2020 4:42 pm
Forum: Personal Investments
Topic: Betterment liquidated my investments without my authorization
Replies: 75
Views: 5205

Re: Betterment liquidated my investments without my authorization

From the information posted by OP, not withstanding any attempt to disclaim liability, Betterment may have violated FINRA rules concerning account transfers (https://www.finra.org/rules-guidance/rulebooks/finra-rules/11870, see also https://www.sec.gov/oiea/investor-alerts-bulletins/ib_transferacco...
by RudyS
Wed May 27, 2020 4:33 pm
Forum: Personal Investments
Topic: If husband can do T-IRA, but acct says Roth, then...
Replies: 28
Views: 1288

Re: If husband can do T-IRA, but acct says Roth, then...

My concern is over the accuracy of the estimate of a 15% tax rate upon retirement. OP, you plan to live on $60-80K. But, is that your projected spending, or projected taxable income? Many folks who think they will pay less tax in retirement find that their nest egg is then big enough,that, together ...
by RudyS
Tue May 26, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice for undertaking a PhD
Replies: 47
Views: 2887

Re: Financial advice for undertaking a PhD

There are too many unanswered questions here for me to give good advice, e.g., your field, whether you will seek an academy, business (or other) position, whether this will be a US degree, private or public, etc. There's far more involved here than just the financial considerations (which seem to b...
by RudyS
Tue May 26, 2020 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Sister died without will in NJ; trying to help nephews
Replies: 8
Views: 1702

Re: Sister died without will in NJ; trying to help nephews

So lucky to have bsteiner on this board! And a couple of others who are also willing to share good advice.

Edited: didn't mean only two. There are lots of others who eagerly share good advice.
by RudyS
Tue May 26, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 45
Views: 2175

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

Way too long a trip for so few days at the destination.
by RudyS
Sun May 24, 2020 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: New Tires or New Car?
Replies: 56
Views: 3323

Re: New Tires or New Car?

The tires are about 8 years old. Tires age, don't only wear out. Google for tires getting old. I would seriously consider buying a new set, but maybe at a somewhat lower cost if possible. Did I miss the part where OP said the tires were eight years old or original to the vehicle? He has 68,000 mile...
by RudyS
Sun May 24, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: New Tires or New Car?
Replies: 56
Views: 3323

Re: New Tires or New Car?

The tires are about 8 years old. Tires age, don't only wear out. Google for tires getting old. I would seriously consider buying a new set, but maybe at a somewhat lower cost if possible.

see update below. these are his second set!
by RudyS
Sat May 23, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: How often do you change passwords on your investment accounts?
Replies: 42
Views: 2632

Re: How often do you change passwords on your investment accounts?

kabob wrote:
Sat May 23, 2020 10:30 am
The First rule bout Security is: one doesn't talk about Security!
I was thinking to comment, but saw this first. Sounds like good advice.
by RudyS
Sat May 23, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: Del Webb 55+ communities?
Replies: 27
Views: 4143

Re: Del Webb 55+ communities?

We haved lived in this Del Webb community in Ocala, Florida for almost five years. We have no regrets for picking this community or this lifestyle. IMO, you’re really moving into a lifestyle more than a house or neighborhood. We pay $204 monthly HOA fees and feel we get our money’s worth of value. ...
by RudyS
Fri May 22, 2020 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: nice 20% insurance premium increase
Replies: 37
Views: 3307

Re: nice 20% insurance premium increase

Just got renewal auto insurance notice from Geico, for same premium as last year. I had been wondering whether I'd see an increase as so many posters here led me to expect would happen. Also got the 15% COVID-19 rebate. When I bought the policy last year, I was happy to see a small discount for my m...
by RudyS
Mon May 18, 2020 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Discarding old tax returns
Replies: 62
Views: 5481

Re: Discarding old tax returns

They said USUALLY 3 years.
by RudyS
Mon May 18, 2020 1:33 pm
Forum: Personal Consumer Issues
Topic: Help: Any Problems or Pitfalls or Advice When it Comes to Getting Hearing Aids? What? What?
Replies: 43
Views: 1510

Re: Help: Any Problems or Pitfalls or Advice When it Comes to Getting Hearing Aids? What? What?

What about those advertised in Discover magazine, and elsewhere, for around $300 each? There is a "no risk" trial period, but I'd like to know about any experience you folks may have had. Are the odds of success good enough to warrant the effort, compared to just trying Costco? And BTW, thank you ni...
by RudyS
Sun May 17, 2020 9:49 pm
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1638

Re: Weber Grill Will Not Light - Help

Trivial point, but you can put the propane tank on a bathroom scale to see if it's empty. There should be a tare weight stamped on the top somewhere.
by RudyS
Sun May 17, 2020 9:41 pm
Forum: Personal Consumer Issues
Topic: Getting the sizing right for online clothing purchases
Replies: 6
Views: 530

Re: Getting the sizing right for online clothing purchases

There are many videos on youtube for "how to measure a winter coat." Maybe something will help.
by RudyS
Fri May 15, 2020 9:14 pm
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3408

Re: Must carry more than one credit card

We have three cards. Each of us carries two - one main card and a different backup in case one of our wallets is lost or stolen. On vacation, I carry 2, and DW carries 2 completely different ones. So we have 4 between us. Otherwise, we each carry a main card, then others if there are bonus categori...
by RudyS
Fri May 15, 2020 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Discarding old tax returns
Replies: 62
Views: 5481

Re: Discarding old tax returns

I may get the prize: I keep tax returns and supporting info for 7 years. Earlier then that, I keep just the returns. Such fun to look at sometimes. My earliest is when I had a summer job during high school. Only filed to get withholding back. 1954!
by RudyS
Wed May 13, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Leave H&R Block for Turbo Tax or what other software
Replies: 27
Views: 1295

Re: Leave H&R Block for Turbo Tax or what other software

I used TurboTax for years and it is very good. Starting 2018 I moved to freetaxusa which is at least as good and free. I may look at that next year. Do they save prior year filings so they can prefill everything? It does save prior year filings. But I always use the interview mode just to be sure I...
by RudyS
Wed May 13, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3175

Re: Mystery bill from dentist

Did OP pay anything at the time of then 2015 visit? Wondering how to ascertain this since the charges were made on Mom's insurance. If not, then the bill is appropriate even if late. If not, then why would OP expect to pay nothing for the service?
by RudyS
Wed May 13, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: What Blood Pressure monitor?
Replies: 13
Views: 818

Re: What Blood Pressure monitor?

Omron is a good brand. The various models have the same accuracy, just different bells and whistles. To guard against sample to sample variability among instruments, have the one you buy checked out by your health care practitioner.
by RudyS
Tue May 12, 2020 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Naming Beneficiaries at Vanguard
Replies: 15
Views: 975

Re: Naming Beneficiaries at Vanguard

VG accepted in 2017 "My descendants who survive me (per stirpes)" on my IRA accounts . I expect my kids to make themselves known to Vanguard, based on my letter of final instructions. BTW, VG doesn't allow listing of beneficiaries, or POD, on joint accounts. Many past threads on this if interested.
by RudyS
Tue May 12, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Not paying auto insurance rather than cancelling
Replies: 32
Views: 2226

Re: Not paying auto insurance rather than cancelling

Will old company send a notice to DMV that coverage ended? Would that matter? Can (or will) new company take care of notice to old company? Regarding the bluetooth idea, I don't have that, but put my phone on speaker so I can hear it while doing something (even as trivial as playing on the computer)...
by RudyS
Tue May 12, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of revocable trusts, wills, estate planning
Replies: 25
Views: 1898

Re: Cost of revocable trusts, wills, estate planning

Regionally dependent I'm sure. We are in a moderately HCOL area in Massachusetts. Pair of revocable trusts (mainly for estate tax savings), 2 sets of wills, POA, Health Care proxy, Living Will. Very simple sequence of distributions. Cost from a sole practitioner specializing in estate / elder law, a...
by RudyS
Sun May 10, 2020 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Help please creating protective, spendthrift, and living trusts.
Replies: 8
Views: 820

Re: Help please creating protective, spendthrift, and living trusts.

As bsteiner mentioned, Massachusetts estate tax is a significant consideration. Especially since the entire estate amount becomes taxable once it hits $1MM, although if the estate is below $1MM, there is no estate tax. (I hope I said this right). That was enough to drive DW and me, once we moved to ...
by RudyS
Sun May 10, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing not to correct all billing/financial errors
Replies: 68
Views: 4591

Re: Choosing not to correct all billing/financial errors

The thing I also worry about, although it doesn't really affect any *single* episode, is IF there are never/rarely any consequences (refund, reprimand, retraining, etc.), then the service/etc. would deteriorate... or fraud increase. Obviously that depends upon the situation. I found a grocery store...
by RudyS
Sun May 10, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: Need advice for finding a specialist doctor appointment quickly
Replies: 24
Views: 2036

Re: Need advice for finding a specialist doctor appointment quickly

Grasping at straws here, but maybe call their local Dept. of Health and ask if they have any contacts or ways to get some help expedited. Health departments are rather busy now. Yes they are indeed. But that ought not deter anyone with a situation as serious as this from making a call! Like I said ...
by RudyS
Sat May 09, 2020 9:32 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20116

Re: What are you doing for haircuts due to coronavirus shutdown?

birdog wrote:
Sat May 09, 2020 3:45 pm
Kookaburra wrote:
Sat May 09, 2020 3:41 pm
I bought a hair-cutting device that I saw on a Chicago-area public access show. The device is called the “Suck-Cut”. It certainly does suck.
Top notch branding there!
Sounds like the afore-mentioned Flowbee.
by RudyS
Sat May 09, 2020 9:20 pm
Forum: Personal Consumer Issues
Topic: Need advice for finding a specialist doctor appointment quickly
Replies: 24
Views: 2036

Re: Need advice for finding a specialist doctor appointment quickly

Grasping at straws here, but maybe call their local Dept. of Health and ask if they have any contacts or ways to get some help expedited.
by RudyS
Wed May 06, 2020 9:28 pm
Forum: Personal Consumer Issues
Topic: Can I sell something on ebay located somewhere else?
Replies: 9
Views: 495

Re: Can I sell something on ebay located somewhere else?

Have you thought about Craigslist, in the area where the stuff is? Your parents would have to be willing/able to do what's involved. Would work well for large stuff.
by RudyS
Sat May 02, 2020 9:35 pm
Forum: Investing - Theory, News & General
Topic: When to sell low? Buffett sells entire airline stake
Replies: 63
Views: 9526

Re: When to sell low? Buffett sells entire airline stake

He's just human! Or a genius with a good crystal ball!
by RudyS
Sat May 02, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Problems obtaining a free annual Equifax credit report online
Replies: 56
Views: 33831

Re: Problems obtaining a free annual Equifax credit report online

Same problem for me - no online report. But the my.equifax.com site did give me that multipart "report." Just don't like Equifax.
by RudyS
Thu Apr 30, 2020 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Drivers license Cancelled
Replies: 48
Views: 5444

Re: Drivers license Cancelled

I read that North Carolina was granting licenses for kids without a driving test, "as long as they have their parents permission". Their DMV web page still lists all the usual tests. https://www.ncdot.gov/dmv/license-id/driver-licenses/new-drivers/Pages/license-learner-permit.aspx Or were you kiddi...
by RudyS
Thu Apr 30, 2020 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Safe Driving App
Replies: 45
Views: 3120

Re: State Farm Safe Driving App

I dont know the ins and outs of this particular app, however, like most GPS units, it can tell them how often you are speeding. I worry that because I drive in and out of a major NE city daily and there is virtually no way I can maintain adequate space between vehicles (If I leave a few car lengths...
by RudyS
Wed Apr 29, 2020 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17350

Re: Quitting a job after two weeks: relocation expenses

Just explain to someone, even in HR, that you need time to acclimate and learn the systems. A little communication would help, even if you end up insisting it has to be a certain way. What's the worst that happens, they fire you? You're already looking to leave. Great advice. In the meantime, YOU d...
by RudyS
Wed Apr 29, 2020 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Expert Consultant: $110 / hr??
Replies: 70
Views: 6433

Re: Expert Consultant: $110 / hr??

I'm guessing the consulting networks are ones like GLG and Coleman. I've worked on several of these expert networks and never had a problem getting paid after the assignment. Your first assignment with them seems to go smoothly and your initial rate might make sense. However, after the first assign...
by RudyS
Wed Apr 29, 2020 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Drivers license Cancelled
Replies: 48
Views: 5444

Re: Drivers license Cancelled

The distinction between a license being SUSPENDED (for violations?) and CANCELLED may be significant. Be sure to use the appropriate/correct terminology.
by RudyS
Wed Apr 29, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55561

Re: How to get Toilet Paper ? seriously.

We have no problem buying TP at Walmart and other stores here in upstate NY. But we can only buy Kleenex one or two boxes a visit at Walmart. I have never bough Kleenex in my life. What's its use? You obviously are not an allergy sufferer! Hmm, good point! I was thinking about colds, but the season...
by RudyS
Tue Apr 28, 2020 8:12 pm
Forum: Personal Consumer Issues
Topic: ccrc after virus lockdown
Replies: 13
Views: 1788

Re: ccrc after virus lockdown

This is a tangent, but I did want to make one comment on this remark "who would arrange for our health care as we approach the end of our life" ... [comment] ... Which is all a long way of saying that while I understand the benefits of a CCRC .... I don't personally see how moving to a CCRC changes...
by RudyS
Mon Apr 27, 2020 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Traveling nurse
Replies: 4
Views: 695

Re: Traveling nurse

My go-to source for any tax questions is IRS Publication 17, available on-line from irs.gov. It will reference some other publications similarly available. That will give a pretty good understanding of the issues for out-of-town work, etc.
by RudyS
Mon Apr 27, 2020 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: LLC and DBA setup for PT Side Hustles
Replies: 5
Views: 427

Re: LLC and DBA setup for PT Side Hustles

My only experience is I once set up an LLC for a part-time consulting business, but I thought I knew the answer to your question about multiple DBA's, so I checked Google. Look at this: https://www.llcuniversity.com/multiple-businesses-under-one-llc/ And look at this too: https://www.salestaxinstitu...
by RudyS
Mon Apr 27, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: How long to wait for a toll by mail bill?
Replies: 20
Views: 1071

Re: How long to wait for a toll by mail bill?

Might depend on size of bill. I went through a NY EzPass toll for a bridge on Grand Island. Just a $1 toll. Never got a bill. There was an 800 number posted at the toll plaza which I called, and it said wait for the bill.
by RudyS
Mon Apr 27, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: ccrc after virus lockdown
Replies: 13
Views: 1788

Re: ccrc after virus lockdown

Dan, your "lockdown" is not as severe as ours (post above). We cannot leave the apartment at all, although plans are to let us outside next week. Nevertheless, we accept it for the safety it offers.
by RudyS
Mon Apr 27, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: eBay, PayPal, or Mastercard for resolution?
Replies: 12
Views: 523

Re: eBay, PayPal, or Mastercard for resolution?

Yes, eBay is the place to start. Next, PayPal if you used PayPal as your payment source. THEN go to the credit card if that's where it was charged. You should be OK since USPS does not show delivery. How much time elapsed since label was created? Seller might have been delayed getting the item into ...
by RudyS
Sun Apr 26, 2020 9:26 pm
Forum: Personal Consumer Issues
Topic: ccrc after virus lockdown
Replies: 13
Views: 1788

Re: ccrc after virus lockdown

Yes, each one is different. DW and I moved to a CCRC a year ago. Very nice place, and were glad we made the move. Now corona hit, and we are glad to be in this protected environment. Here are the actual details for the independent living area: Initial response was to stop communal dining, and all gr...
by RudyS
Sat Apr 25, 2020 9:53 pm
Forum: Investing - Theory, News & General
Topic: Why do investors have a hard time doing nothing?
Replies: 53
Views: 3883

Re: Why do investors have a hard time doing nothing?

One of the most important things we can do as an investors is nothing. Relax, be still, and steady. I see a lot of smart investors talk about when the market does x, I'm going to do y. Hundreds of thousands, if not millions of people cashed out during the Pandemic. Most wish they never did. I'm cur...
by RudyS
Fri Apr 24, 2020 10:32 am
Forum: Personal Investments
Topic: Why the large rate difference between CDs bought in brokerage vs direct from bank
Replies: 6
Views: 572

Re: Why the large rate difference between CDs bought in brokerage vs direct from bank

I couldn't believe that 0.75% for a 2 year CD at Vanguard, since last week I got 1.25%. So I just checked, and verified that 0.75%, and not only that, no longer term CDs at all. Really dynamic!
by RudyS
Thu Apr 23, 2020 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: I-bonds and probate- Trust vs secondary owner vs beneficiary
Replies: 4
Views: 353

Re: I-bonds and probate- Trust vs secondary owner vs beneficiary

Are the trusts part of a plan to minimize estate tax in Ohio? If so, then depending on your total asset distribution, it might be advantageous to move the i-Bonds into the trust(s). I am guessing from your screen name that you are (or were?) in Ohio.