Search found 185 matches

by csm
Mon Nov 12, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9215

Re: retirement travel: RVs vs fly/drive/hotel

Toons, Looks like a ProMaster-based Roadtrek - a Zion? Nice rig. We bought a Winnebago Travato 59K (also ProMaster-based) this summer and love it (also looked at the Zion, PleasureWay and others). Traveled much like you on our virgin trip - only one night in a campground with hook-ups (in the Redwoo...
by csm
Thu Oct 04, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3840

Re: Tackling Disney World

Re: transportation without a car, if you are only going for two days, then you may wish to book a Disney hotel and use the Magical Express bus service to and from MCO. You could easily do the two days without a car if you are fine with only going to Disney World from the airport, staying on Disney p...
by csm
Thu Oct 04, 2018 4:11 am
Forum: Personal Consumer Issues
Topic: U.S. mailing address/forwarding for expats
Replies: 25
Views: 2228

Re: U.S. mailing address/forwarding for expats

We have been split between the U.S. and Europe for many years, plus while in the U.S. we travel frequently in our Class B motorhome. We use St. Brendan's Isle: https://www.sbimailservice.com/ Very convenient and efficient. They scan all envelopes received. Once you see the image of the envelope, you...
by csm
Wed Oct 03, 2018 5:15 am
Forum: Personal Consumer Issues
Topic: Landlord wants to raise rent, but is asking if he can?
Replies: 54
Views: 5566

Re: Landlord wants to raise rent, but is asking if he can?

It's def at a discount, but he keeps raising it where eventually it won't be at a discount anymore. Also, the minor adjustments is a bit of nickle and diming, I feel. There's a washer/dryer that he installed thats coin operated (of course)... It's a private home with you as the only tenant and the ...
by csm
Fri Sep 28, 2018 2:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 44
Views: 14063

Re: Vanguard: Transition to our new investment platform

FrugalInvestor wrote:
Fri Sep 28, 2018 12:50 am
No message here but I do not have a brokerage account, only mutual funds.
I also only had mutual funds, but I got the messages and felt forced to convert.
by csm
Fri Sep 28, 2018 1:59 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 44
Views: 14063

Re: Vanguard: Transition to our new investment platform

Is everyone getting this? I received these messages when logging in a few months ago, after having also received several emails earlier in the year. When I saw the images jpsfranks posted, it looked to me like it was mandatory so I went through the steps. It never occurred to me to check here first...
by csm
Thu Sep 27, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 49871

Re: MoviePass-Too good to be true, but it's legit.

nervouscorps wrote:
Fri Sep 14, 2018 6:01 pm
I've been with Sinemia for a month and am very happy with it-- I left Moviepass too.
We cancelled MoviePass just over a month ago and are now considering Sinemia. Seems like a good alternative.
by csm
Sun Aug 19, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 125
Views: 14639

Re: Tips on Buying a Class-B RV

Congrats WoodSpinner! Please keep us posted as you take delivery and start to travel. The PleasureWay (Lexor) would be my choice if it were not for the bed length that bothers my husband. From all of our research, I think PW is a much higher quality than the Roadtrek you considered (we actually vis...
by csm
Sun Aug 19, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 125
Views: 14639

Re: Tips on Buying a Class-B RV

We made the jump a month ago and purchased a new 2019 Winnebago Travato 59K on the Ram ProMaster chassis (gas). We picked it up and immediately took off on an 8,000 mile trip to the Badlands, SD, Yellowstone, Oregon coast, Hwy 1 south of San Francisco and then back to our home in central Florida. Wh...
by csm
Sun Aug 19, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard Switch to Brokerage Accounts
Replies: 60
Views: 6443

Re: Vanguard Switch to Brokerage Accounts

I wish I had come here and searched for this topic before I made the seemingly required switch a few days ago. I have been getting emails from Vanguard for months about how I would be required to switch to the new platform, and recently an email indicating it was a last chance (or some wording that ...
by csm
Fri Aug 17, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 49871

Re: MoviePass-Too good to be true, but it's legit.

I just cancelled *and* asked for a refund of the latest charge. I was willing to accept three movies per month to see how it worked out. We rarely saw more than three a month, and $3.33 per movie was still an acceptable deal. However, right after accepting the new terms (three standard movies a mont...
by csm
Thu May 31, 2018 4:45 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 31996

Re: The Side Hustle

gretah wrote:
Wed May 30, 2018 2:58 pm
I write "how to" books and self publish them. They sell on the major online book stores' websites.

After the initial work is over, the income is passive.
Do you not need to continuously market and promote these?
by csm
Thu May 31, 2018 2:55 am
Forum: Personal Finance (Not Investing)
Topic: Bored and Anxiety from Work - What to do?
Replies: 13
Views: 2939

Re: Bored and Anxiety from Work - What to do?

Sounds like you should be doing exactly what you are. Starting or acquiring businesses, giving them a running start, and then exiting. It's a perfectly fine role to play. This. You have a unique skill. Rather than get to the point where you are still doing the daily routine after growing a business...
by csm
Wed May 30, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 125
Views: 14639

Re: Tips on Buying a Class-B RV

I am looking at a 2006 Excel TS 38K miles 56K out the door. That sounds very expensive for a 12 year old B van. Just checking RV Trader, there are several of that model much newer for an asking price within a few thousand dollars of that (asking price which should be negotiable). If you decide that...
by csm
Thu May 17, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 125
Views: 14639

Re: Tips on Buying a Class-B RV

No intent to go on the road full time, but some trips up to a month or so around western US and Canada. Finally decided to give it a shot, but we are starting with a lower-budget initial investment to try it out. Good plan. Western US and Canada are our favorite areas to explore as well. Agree abou...
by csm
Thu May 17, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 125
Views: 14639

Re: Tips on Buying a Class-B RV

Congrats! Would love to read more about how your journey unfolds. We are still uncertain about whether or not to pull the trigger on the whole RV'ing idea in retirement, and if so, whether to go with a B-van or something larger. Currently in the process of selling our main home and relocating to wha...
by csm
Sat May 12, 2018 2:22 am
Forum: Personal Finance (Not Investing)
Topic: Move 11 month Ally CD (1.5%) to Ally Savings (1.6%)?
Replies: 5
Views: 1345

Re: Move 11 month Ally CD (1.5%) to Ally Savings (1.6%)?

Unless you think you'll need the money within a year, you might consider the Ally 12-month CD which is currently paying between 2.10% and 2.25% depending on the amount. You can always break it with a penalty if needed.
by csm
Sun May 06, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 49871

Re: MoviePass-Too good to be true, but it's legit.

Moviepass can also get you free popcorn...if you go to Regal theatres and join their loyalty program, you get points per movie, which add bonuses as you see more, so you can get a free popcorn after every 5 or so movies, along with half-price popcorn on Tuesdays (even less if you buy their discount...
by csm
Sat May 05, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 49871

Re: MoviePass-Too good to be true, but it's legit.

My son has a MoviePass and loves it. It's also an easy decision for the theaters. It's like a casino comping a room. It's already built, so any further use is pure profit. And they make the real money on the concessions. That is no joke. we went to the movies Friday for the first time in years - I ...
by csm
Sat May 05, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Converting my (financial) Excel spreadsheets to MS Access DB?
Replies: 17
Views: 1471

Re: Converting my (financial) Excel spreadsheets to MS Access DB?

Sorry for the late response. Is it better to first create the Access table design manually with all the fields defined to match the spreadsheet and import the spreadsheet into this empty table? Is this even possible? For the first-time import I find it preferable, and easiest, to import the Excel wo...
by csm
Sat May 05, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 19962

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

How is the car insured during this limbo period? What happens if there is an accident or any kind of damage while in the OP's possession? It also seems odd that if the loan was approved based on the income of the OP and her husband, that they wouldn't require the OP to be the co-signer. Yet they see...
by csm
Sat May 05, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Converting my (financial) Excel spreadsheets to MS Access DB?
Replies: 17
Views: 1471

Re: Converting my (financial) Excel spreadsheets to MS Access DB?

Before you start, make a new copy of your Excel spreadsheets and keep the originals untouched, in case you have to revert to them. On the new copy, first be sure the Excel spreadsheets are clean, meaning all data is properly formatted. For example, if you have a column with number values, be sure al...
by csm
Wed May 02, 2018 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA non-resident
Replies: 9
Views: 886

Re: Inherited IRA non-resident

I would file a formal complaint - is there not a regulatory organization that one can file with? I would be tempted to start by searching the IRS website because that is where you find the options for inherited IRAs and as a U.S. citizen, you cannot be denied those options. Fight this - they are try...
by csm
Wed May 02, 2018 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA non-resident
Replies: 9
Views: 886

Re: Inherited IRA non-resident

Is Horace Mann only refusing because you do not have a U.S. mailing address? Would you be able to use your brother's U.S. mailing address just to get the Inherited IRA set up, after which you would transfer the Inherited IRA to Vanguard? A few years ago, my sister and I inherited an IRA from my moth...
by csm
Sat Apr 14, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Buy I-Bonds before May 1 or After?
Replies: 16
Views: 2072

Re: Buy I-Bonds before May 1 or After?

I've decided not to over-analyze it. For both I-Bonds and annual IRA contributions, I make all purchases in early January ($10,000 each for me and my husband for I-Bonds and $6,500 for each of us for IRA which is a tIRA >> Backdoor Roth). This way, I get these investments out of the way at the begin...
by csm
Mon Apr 09, 2018 8:07 am
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4719

Re: What would an extra $2000 in cash flow mean for a large family?

I just read through this and your earlier thread on this subject.

If you were currently unemployed and had these two offers on the table, which one would you select?
by csm
Thu Feb 22, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.85 [Money Market Rate To 1.85% APY]
Replies: 54
Views: 6750

Re: Capital One 360 Money Market now at 1.5%

Is the $200 bonus still effect? I read conflicting info from different websites. Do you need a code? Thanks The offer I received was good until February 16th - I think the code was GAIN200 but not totally sure. I received it in the postal mail as well as email. I already had a Capital One 360 check...
by csm
Thu Feb 22, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.85 [Money Market Rate To 1.85% APY]
Replies: 54
Views: 6750

Re: Capital One 360 Money Market now at 1.5%

I had just opened a Capital One 360 MMA a week ago based on an offer for a $200 bonus with a $10,000 deposit. Nice to get 1.5% since I moved the cash from my Ally online savings that is earning 1.45%.
by csm
Tue Feb 20, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 78
Views: 7359

Re: Sams Club vs Costco

We just joined Costco yesterday after reading a few posts here about the extended warranty for televisions. We were shopping for a TV and becoming increasingly frustrated with the BestBuy experience as well as the price fixing across all the shops (online as well as brick and mortar) that do the pri...
by csm
Tue Feb 20, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Married Filing Separately - Roth IRA oops
Replies: 13
Views: 1055

Re: Married Filing Separately - Roth IRA oops

I don't know if you have an option to "undo" the Roth contribution now and then instead make a non-deductible Traditional IRA contribution. Once you've done that, you can backdoor the tIRA to a Roth. Even if you cannot do it on the erroneous 2017 contribution, it may be something to consider for 201...
by csm
Sat Feb 17, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 91
Views: 9377

Re: Effect of spending money on appearance in career

This is a sensitive topic and difficult to respond to without knowing the environment, your general appearance, the industry, etc. I applaud you for taking a proactive approach for ways you can improve your chances for promotion, rather than just whining about how you've been held back when others a...
by csm
Tue Feb 13, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Increased pay versus personal and job satisfaction
Replies: 12
Views: 1363

Re: Increased pay versus personal and job satisfaction

Is the 3x vacation a move from 2 weeks a year to 6 weeks a year, or from a month a year to three months a year, or some other amount? Four times the income and a move to a less expensive area sounds like you could save at least 3/4 of your pay and still live more extravagantly than now. For example,...
by csm
Tue Feb 13, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Expat tax question: How to be eligible for MFJ with non-resident spouse?
Replies: 14
Views: 1288

Re: Expat tax question: How to be eligible for MFJ with non-resident spouse?

Firstly, you are not eligible to file as Head of Household if you are married. HoH is only for unmarried individuals who are responsible for dependents. Your options for filing status are either Married filing separately, or Married filing jointly. No other options if you are legally married, regar...
by csm
Mon Feb 12, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Expat tax question: How to be eligible for MFJ with non-resident spouse?
Replies: 14
Views: 1288

Re: Expat tax question: How to be eligible for MFJ with non-resident spouse?

Firstly, you are not eligible to file as Head of Household if you are married. HoH is only for unmarried individuals who are responsible for dependents. Your options for filing status are either Married filing separately, or Married filing jointly. No other options if you are legally married, regard...
by csm
Sat Feb 10, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 125
Views: 14639

Re: Tips on Buying a Class-B RV

If people are parking pickups I think you'd be save with a B. My condo prohibits any kind of pickup (or motorhome) except in a reserved area of the parking lot for short-term purposes. I do agree the argument could be made that it's a motorhome and not a van but if a B still meets the letter of the...
by csm
Sat Feb 10, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 125
Views: 14639

Re: Tips on Buying a Class-B RV

Congrats WoodSpinner! Please keep us posted as you take delivery and start to travel. The PleasureWay (Lexor) would be my choice if it were not for the bed length that bothers my husband. From all of our research, I think PW is a much higher quality than the Roadtrek you considered (we actually visi...
by csm
Wed Feb 07, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 125
Views: 14639

Re: Tips on Buying a Class-B RV

I'm taller than 72" but sleep in a 72" bed with hard stops on both ends all the time, never an issue. What about stand-up room and walking around without hitting the ceiling or low-hanging accessory? That would be more of an issue I'd think. A short bed with hard stops on both ends is a deal-breake...
by csm
Wed Feb 07, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 125
Views: 14639

Re: Tips on Buying a Class-B RV

My husband and I have been researching RVs for a couple of years now, planning for what was - at the time we started looking - impending retirement. We are now retired (a month in) and are still uncertain between a B, B+, travel trailer, A class ..... or a Toyota Highland Hybrid and hotels (with a t...
by csm
Mon Feb 05, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: American Expats and FEIE: no tax advantaged accounts?
Replies: 21
Views: 1810

Re: American Expats and FEIE: no tax advantaged accounts?

Check with your accountant, but I believe you can still contribute to a traditional IRA but it would *not* be deductible. I’m pretty sure you can’t fund an IRA without earned income and if you’ve excluded all your earned income with FEIE (Foreign Earned Income Exclusion) you don’t have any earned i...
by csm
Sat Feb 03, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: American Expats and FEIE: no tax advantaged accounts?
Replies: 21
Views: 1810

Re: American Expats and FEIE: no tax advantaged accounts?

Check with your accountant, but I believe you can still contribute to a traditional IRA but it would *not* be deductible. Then, if desired, you could backdoor it to a Roth IRA with no tax liability since taxes would have already been paid. This would give you the opportunity to start growing a Roth ...
by csm
Sat Feb 03, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Disney visit
Replies: 28
Views: 4038

Re: Disney visit

Lots of good suggestions here and it all depends on how your family likes to travel, your tolerance for the traffic, whether you want kitchen facilities and/or private sleeping space for the adults and kids, etc. People are so different when they travel, it really depends on your family. I know fami...
by csm
Sat Feb 03, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Disney visit
Replies: 28
Views: 4038

Re: Disney visit

On the other hand, you won't have access to the various Disney transportation opportunities (including the Magical Express to/from the airport, if you're flying, and limited/no use of the various monorail/boat/bus networks ), ... and you won't receive MagicBands (their proprietary RF wristband for ...
by csm
Thu Jan 25, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 18915

Re: Dear wife quits job and now we are down to 1 income

Someone suggested how to lower the cost of diapers and formula by purchasing via Amazon. OP also mentioned having cable, Netflix, etc. If you join Amazon Prime ($99 per year, I believe), you will get free two-day shipping on purchases (some same-day and 2-hour deliveries) plus Amazon Prime video, mu...
by csm
Mon Jan 22, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Value of Defined Benefit Plan
Replies: 22
Views: 2899

Re: How to Calculate Value of Defined Benefit Plan

I'm not sure if you wrote about having ready access to a cash emergency fund. If you don't have one, focus on funding one right away. If you do have one, keep funding it so it becomes another solid part of your financial foundation (I'd suggest growing it at last at the same rate as inflation). Yes...
by csm
Mon Jan 22, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Value of Defined Benefit Plan
Replies: 22
Views: 2899

Re: How to Calculate Value of Defined Benefit Plan

Are you taking this into account for determining your Asset Allocation? Sort of, although most likely not in the way of most Bogleheads. I'm conservative, so excluding the pension, I spent the last couple of years getting all other non-cash investments moved into low cost index funds, split between...
by csm
Mon Jan 22, 2018 8:07 am
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Value of Defined Benefit Plan
Replies: 22
Views: 2899

Re: How to Calculate Value of Defined Benefit Plan

Yes, that lump sum is a very bad deal compared with that pension. It's so bad that...are you sure those numbers are correct? We must have been posting simultaneously. :happy Yes, the numbers were correct when posted in April 2016. The final numbers last month before I retired were annual pension of...
by csm
Mon Jan 22, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Value of Defined Benefit Plan
Replies: 22
Views: 2899

Re: How to Calculate Value of Defined Benefit Plan

Hi all, It was interesting to see this thread bumped up now - my original post was nearly two years ago. But a good time to report that I retired three weeks ago at the end of 2017. :happy With regard to the pension vs. lump sum, as I said in my original post "I would never consider the lump sum," b...
by csm
Sat Jan 06, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: How to browse specifically for homes with "mother-in-law suite"?
Replies: 29
Views: 2394

Re: How to browse specifically for homes with "mother-in-law suite"?

You might also search for homes with "garage apartments." I don't know how common these are nationwide, but they are very common in some newer master planned communities. Of course, most would involve stairs, in case that is an issue. But they are completely self-contained units over the garage with...
by csm
Sat Jan 06, 2018 5:08 am
Forum: Personal Consumer Issues
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 133
Views: 17698

Re: Buying a new home at age 50 in a nicer neighborhood

Congrats - the remodel is lovely. The "before" and "after" of the living room looks like out of a decorating magazine.
by csm
Thu Dec 28, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 15059

Re: Ally Bank 12 month CD now 2.00%

I just closed out my two 11-month no penalty CDs and re-purchased the 12 month CDs. Surprised how quick and easy it was, including the step to open a checking account since I previously only had an online savings account and didn't want to get caught with too many transactions in a single month. If ...