Search found 131 matches

by sbaywriter
Mon Dec 02, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: Monovision contacts?
Replies: 23
Views: 1335

Re: Monovision contacts?

I liked them. I got used to them quickly and found they worked fine in most cases - not perfect but good enough. I used glasses over contacts while working at the computer for long stretches of time. Otherwise I could do without. Until eventually I had to return to glasses because eyes got too dry f...
by sbaywriter
Wed Nov 06, 2019 8:13 am
Forum: Personal Finance (Not Investing)
Topic: First year QCD close to New Year's Eve
Replies: 11
Views: 724

Re: First year QCD close to New Year's Eve

I found a URL that seems to clarify the question of whether the charity needs to receive/cash the checks before the end of the year for the QCD to be considered to be taken in that year. Or at least clarifies one scenario. https://www.financial-planning.com/news/charitable-contributions-from-an-ira-...
by sbaywriter
Tue Oct 22, 2019 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Executor for parent in Florida seeking guidance
Replies: 46
Views: 3373

Re: Executor for parent in Florida seeking guidance

Regarding the house, another thing to be considered is long-term incapacity versus death. I would check with the lawyer that the financial POA gives the authority to sell the real estate, if it is not under a lady bird deed or trust.
by sbaywriter
Mon Oct 21, 2019 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Executor for parent in Florida seeking guidance
Replies: 46
Views: 3373

Re: Executor for parent in Florida seeking guidance

Florida does not have TOD for a house but they do have something called a "lady bird deed" which may be applicable in your case.
by sbaywriter
Thu Sep 19, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Best places to live to raise a family (cost doesn't matter)
Replies: 95
Views: 9375

Re: Best places to live to raise a family (cost doesn't matter)

If outdoor activities and moderate temperatures are high on your list and you are considering Santa Barbara (pricy), you might also consider Ventura, one of my favorite places in terms of physical environment. But little going on culturally - there is a community college but um.... But you can do a ...
by sbaywriter
Mon Sep 16, 2019 9:55 am
Forum: Personal Investments
Topic: Portfolio Recommendation For My Sister
Replies: 19
Views: 1329

Re: Portfolio Recommendation For My Sister

Re the Roth:

The 5 year wait period for Roth withdrawal applies only to the earnings on the amount contributed, not to the contribution. Regular Contributions can be withdrawn at any time with no tax and no penalty.
by sbaywriter
Sat Sep 14, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: Books set in New Zealand/Australia (police procedurals)
Replies: 21
Views: 1410

Re: Books set in New Zealand/Australia (police procedurals)

Sorry to bring back bad memories, yes, can't get much grimmer than Nevil Shute's On the Beach. Don't worry, almost all his other books are the opposite, obstacles are there but are overcome, people face adversity but win through, etc, uplifting.
by sbaywriter
Fri Sep 13, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: Books set in New Zealand/Australia (police procedurals)
Replies: 21
Views: 1410

Re: Books set in New Zealand/Australia (police procedurals)

I second Ngaio Marsh. More modern style: Kerry Greenwood's mysteries featuring Phryne Fisher, set in Australia in the 1920s, the TV series is also great Also not mystery/police procedural but good novelist who wrote many novels, some set in Australia: Nevil Shute, pen name of Nevil Shute Norway, Eng...
by sbaywriter
Wed Sep 11, 2019 5:33 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9995

Re: Too Late To Get Back Into Stocks?

I'm surprised no one has suggested dollar cost averaging back in. Choose an equity allocation per the many good suggestions above, then invest 10 percent a month or something like that. Although it's possible you want to pause a while in the months leading up to the next election so that you won't b...
by sbaywriter
Wed Sep 11, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 61
Views: 4957

Re: Calling all iPhone SE Bogleheads

I like the smaller size phone for my uses.I've been using SE for 3 years but this is second one - the first one I got 16gb which wasn't quite enough and then I dropped it and cracked the screen and the replacement screen never worked as well. Then I switched to consumer cellular last year and they w...
by sbaywriter
Sun Sep 08, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3815

Re: Going desktop-less?

I moved to hurricane country. I am sticking with laptop so I can take it with me easily should I need to evacuate. I use it just like desktop otherwise - use external monitor and external keyboard/mouse.
by sbaywriter
Wed Sep 04, 2019 4:08 pm
Forum: Personal Investments
Topic: Series I bonds - question about compounding interest
Replies: 18
Views: 1825

Re: Series I bonds - question about compounding interest

If I am understanding you, the following is not correct: I think this means that if you cash out the month before it compounds you do NOT receive the interest. I believe the semi-annual compounding refers to changing the principal amount on which interest will be paid by adding to it the interest fo...
by sbaywriter
Wed Aug 28, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a home a year back, thinking of selling now
Replies: 51
Views: 5514

Re: Bought a home a year back, thinking of selling now

I pay around 5k in interest, property tax payment, which is around 60k expense yearly. If i sell the house in 5 years, it has to go upto to 2 mn for me to break even (300k interest+prop tax, transaction costs). If you are not paying this 60k yearly in mortage etc, you would be paying rent, so you w...
by sbaywriter
Mon Aug 19, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Real Life Experience. Applying for Medicare
Replies: 9
Views: 869

Re: Real Life Experience. Applying for Medicare

Also, there is Medicare Part D.
by sbaywriter
Thu Aug 01, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 16022

Re: Why won’t anyone hire me?

I don't think any one has mentioned the possible "perceived as too old" issue. Is it possible that they are looking for younger candidates in some cases so they kind of write you off at the beginning of the interview but don't say anything because legally they are not supposed to consider age. There...
by sbaywriter
Wed Jun 19, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 6151

Re: Single cup coffee/espresso options, 2019

Another non-connoisseur here. I upgraded from years of drinking instant coffee to old drip type Cuisinart 4 cup machine. No recommendations on the expresso options, but on the beans, I couldn't tell much difference between buying a small bag of pre-ground and buying beans and grinding my own in a ch...
by sbaywriter
Sun Jun 09, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Del webb in Florida
Replies: 20
Views: 2759

Re: Del webb in Florida

No comments on individual communities but as a general statement: For hurricanes there are 3 main factors: storm surge, inland flooding, and winds. The maps seem to show they are far enough inland so you don't have to worry about storm surge, so that leaves inland flooding and winds. I would think t...
by sbaywriter
Fri May 31, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Cataract Surgery Choices? Protocols? Cost and sight?
Replies: 8
Views: 623

Re: Cataract Surgery Choices? Protocols? Cost and sight?

I would suggest doing as much online research as possible on the types of lenses and so on. I have visited 3 cataract surgeons and none of them provided me useful information - I had to find it all out on my own. My optometrist was far more helpful in explaining to me what was occurring. There are s...
by sbaywriter
Mon Mar 18, 2019 6:15 pm
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 11403

Re: How to get over a $25K stock market loss?

Ok, you lost money from buying high and selling low – but I think you were right to sell – it was a rational response to recognizing that you had taken on an inappropriate risk with that money. So you should pat yourself on the back for being rational and recognizing that mistake. As many mentioned ...
by sbaywriter
Wed Mar 06, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4140
Views: 1189101

Re: What Book Are You Currently Reading? Part VI

I just finished Circe by Madeline Miller, which I enjoyed tremendously - I've read a lot of junk recently, because I'm lazy and so read a lot of junky novels, but this was fascinating and original and also easy to read. Although it draws heavily on Greek mythology, particularly the stories in the Od...
by sbaywriter
Tue Feb 19, 2019 5:42 pm
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 281
Views: 19335

Re: Vanguard Customer Service is Horrible

I have not found Vanguard customer service horrible - just some long wait times on the phone occasionally. But these days, I can do everything online anyhow. I have IRA accounts only, and at Vanguard, mutual funds only, old mutual fund "platform", have not converted to the brokerage platform. At Fid...
by sbaywriter
Mon Feb 18, 2019 10:49 am
Forum: Personal Investments
Topic: Please Help - Gray Divorce No Investment Experience
Replies: 25
Views: 2346

Re: Please Help - Gray Divorce No Investment Experience

It might help her to read the section in the wiki on getting a windfall, which will encourage her to take her time and not rush into doing anything with the money - in a way she is in a similar position of someone who suddenly has a lot of money and has to figure out what to do with it, and I think ...
by sbaywriter
Sat Feb 16, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Jet Blue - missing planes?
Replies: 19
Views: 2383

Re: Jet Blue - missing planes?

It probably dug out under the fence. Happens to our dogs all the time. I'd try the local shelter first, and if that doesn't work they can post some flyers around where it went missing. I just checked and it's not in our yard, and my neighbor says he hasn't seen it either. I did see a small tan and ...
by sbaywriter
Sat Feb 16, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help with difficult work situation
Replies: 48
Views: 3895

Re: Help with difficult work situation

Option #5 Pretend the situation was reversed. What would you do if you were her boss? How would you want her to act toward you ? You might find you can reverse your present negative point of view. Perhaps you might want to congratulate her and let her know you will be doing your best to continue you...
by sbaywriter
Thu Feb 14, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Ongoing confusion about account types at Vanguard
Replies: 6
Views: 680

Re: Ongoing confusion about account types at Vanguard

I think it was mostly that people upgraded without realizing what they were getting into - they were not just switching to a different web site - it was a different account type and if they had not had a brokerage account before, there were things that worked differently. For example, the settlement...
by sbaywriter
Thu Feb 14, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Ongoing confusion about account types at Vanguard
Replies: 6
Views: 680

Re: Ongoing confusion about account types at Vanguard

Someone posted this link on a similar ongoing discussion - it's a good summary, especially the comparison table, and may answer all your questions:

Vanguard brokerage https://www.vanguard.com/pdf/vbafqm.pdf
by sbaywriter
Wed Feb 13, 2019 12:47 pm
Forum: Personal Investments
Topic: Disabled but unable to withdraw money early from 401(k)
Replies: 16
Views: 1606

Re: Disabled but unable to withdraw money early from 401(k)

Regarding the Rule of 55 mentioned above - since you say the 401k was from former employer the Rule of 55 does not seem to apply according to an article I found on the web, which says: The Rule of 55 only applies to assets in your current 401(k) or 403(b )—the one you invested in while you were at t...
by sbaywriter
Mon Feb 11, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Side hustle on resume?
Replies: 15
Views: 1282

Re: Career Advice: Side hustle on resume?

I know nothing really, no hiring experience. But seems like this could be validly included as part of a functional resume versus chronological resume. Also, if there are opportunities for taking on your desired new role within company, that might be easier that external transistion. And maybe you co...
by sbaywriter
Wed Feb 06, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefit Statement
Replies: 8
Views: 579

Re: Social Security Benefit Statement

I think they ran a bit late - got mine beginning of Feb. Once I got the paper copy I was also able to track it down a PDF download on the soc sec website - wasn't showing up before then.
by sbaywriter
Mon Feb 04, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Relocating to St. Pete/Tampa
Replies: 16
Views: 2168

Re: Relocating to St. Pete/Tampa

I retired to Clearwater recently. If you are thinking of Clearwater as a location that might work for commuting to both Tampa and St Pete - I think you might end up with 2 brutal commutes - maybe just go to St Pete so that at least one of you doesn't have the long commute. I guess suburban sprawl de...
by sbaywriter
Fri Feb 01, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Need Objective Mattresses Ratings and Reviews
Replies: 63
Views: 4360

Re: Need Objective Mattresses Ratings and Reviews

I spent hours in stores test driving mattresses a couple years ago. Finally bought at a big half price sale at Macy's after spending over an hour trying them out. The salesperson warned me that the mattress as delivered would not feel the same as the mattress in the store - it wouldn't be as soft. W...
by sbaywriter
Fri Feb 01, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards - Autopay inconsistent across companies?
Replies: 40
Views: 1960

Re: Credit Cards - Autopay inconsistent across companies?

My CITI card makes it clear that if I schedule a payment before the autopay date, they adjust the autopay amount accordingly. For example right now I have a payment of $700 scheduled for next week and less than that is due on the autopay the following week, so their web site shows the statement: You...
by sbaywriter
Sat Jan 26, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Regretting home purchase and move - advice needed
Replies: 21
Views: 3301

Re: Regretting home purchase and move - advice needed

Nothing is perfect - you made the best decision you could at the time For an older house there will always be things that show up that need fixing after you buy. Usually you can prioritize and fix them over several years. Maybe making a list and identifying priorities to start working on would help....
by sbaywriter
Sun Jan 20, 2019 11:36 pm
Forum: Personal Consumer Issues
Topic: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather
Replies: 61
Views: 6158

Re: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather

I only worked briefly in Fremont so don't know the parks there. I lived near Shoreline Park in Mountain View (near Googleplex), has some nice areas for families I think. When I lived in Sunnyvale I used to hike Rancho San Antonio park in Los Altos - it has beautiful hiking trails (heavily used these...
by sbaywriter
Sun Jan 20, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather
Replies: 61
Views: 6158

Re: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather

Weather: It's temperate, but can get warm in the summer - if you are in an apartment without air conditioning you will wish you had it. Seasons: Summer is the dry season, winter the wet season (if California is not in a drought). You do see differences in vegetation - trees can change color, shed le...
by sbaywriter
Wed Jan 16, 2019 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: working as paid tax preparer
Replies: 1
Views: 608

Re: working as paid tax preparer

Had a friend who started doing this last year part-time for an agency in Calif - think it was some small independent tax prep company that had their own tax software, so her first step was going for classroom training in using the tax prep software - I think she spent at least 20 hours on that, mayb...
by sbaywriter
Sat Dec 22, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: "Stay the course" is rational -- but is it reasonable?
Replies: 43
Views: 5902

Re: "Stay the course" is rational -- but is it reasonable?

I think this is a good post, OP, and well worth thinking about. Seems clear to me that these are individual decisions, there is no absolute right or wrong. Stay the course is a guideline that has to be applied with some understanding of the situation, and having first carefully thought out your cour...
by sbaywriter
Tue Dec 18, 2018 12:40 pm
Forum: Personal Investments
Topic: IRA RMDs
Replies: 11
Views: 757

Re: IRA RMDs

Would that be the RMD for 2019 (based on 2018 yr end balance)?
Yes sorry, edited to correct. I always think of it the other way and never can remember what age to use either!
by sbaywriter
Tue Dec 18, 2018 12:14 pm
Forum: Personal Investments
Topic: IRA RMDs
Replies: 11
Views: 757

Re: IRA RMDs

I think that before rolling over her 401k in 2019, she must first take the RMD for 2019 (based on 401k balance at end of year 2018). The 401k admin could confirm that.

Edited to correct that it is the RMD for 2019, based on the end of year 2018 balance.
by sbaywriter
Fri Dec 14, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 3191

Re: Is it difficult to change a baby's legal name?

I know in some cultures the derivation/meaning can be important but in American culture, generally no one knows or cares. Maybe it will also help you decide if you think about the nicknames and which you would like of those. Daniel/Dan/Danny James/Jim/Jimmy/Jamie I like them all - have lots of good ...
by sbaywriter
Fri Dec 14, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 35
Views: 2737

Re: Potential New Home - Planes and Trains Noise

I live near a small airport and I knew it was there but thought I was far enough away. I was viewing the house in the mid afternoon - no planes overhead. Turns out they mostly fly in the morning and late afternoon. So if there is an airport nearby see if you can be there at the times of day that wou...
by sbaywriter
Fri Dec 14, 2018 11:59 am
Forum: Personal Investments
Topic: Imminent retirees & sequence fear
Replies: 69
Views: 4926

Re: Imminent retirees & sequence fear

To me, it seems like the same level of threat and chaos as it has for the many decades I've been around - which means not that bad things can't happen but that I just don't know when or if. So I take precautions but don't withdraw entirely. Newspapers have always made money by scary headlines. These...
by sbaywriter
Wed Dec 12, 2018 10:03 pm
Forum: Personal Investments
Topic: Any way to display the old design on the Vanguard website?
Replies: 16
Views: 1505

Re: Any way to display the old design on the Vanguard website?

I likewise prefer the readability of the old style page and accidentally discovered how to get there quickly. I am still on the old mutual fund website, not the brokerage platform. When I log in on the mutual fund web site, it opens the Account Overview page, which is the new style page. Click My Ac...
by sbaywriter
Wed Dec 05, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Southern California Vacation Questions
Replies: 39
Views: 2315

Re: Southern California Vacation Questions

I'm surprised to see a recommendation to visit USC in downtown area, very long ways from west LA and UCLA and in not so great neighborhood. Likewise, Pasadena and the Huntington are a long drive.- I would recommend sticking on west side, or maybe as far east as Universal Studios which are fun and wo...
by sbaywriter
Tue Dec 04, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Murder Mystery Authors
Replies: 117
Views: 14928

Re: Murder Mystery Authors

Read Stout's novel The Family Affair - I think that's what you may be thinking of. Avoiding a direct answer to avoid a "spoiler". I found a bunch of "new" Nero Wolfe books in digital form, free, on Hoopla - they were quite enjoyable. If you have Hoopla access, search "Nero Wolfe" and you will find t...
by sbaywriter
Sun Dec 02, 2018 1:33 pm
Forum: Personal Investments
Topic: Simple Person Needs Simple Advice Regarding Retirement
Replies: 26
Views: 2500

Re: Simple Person Needs Simple Advice Regarding Retirement

If your mental capacity feels limited now, you must have been brilliant before your difficulties because your post is so articulate. I agree with those who say you would do well to find yourself someone as backup and make sure all the legal stuff is also set up. For simple, if you have not previousl...
by sbaywriter
Mon Nov 19, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 21702

Re: Vanguard lowering Admiral level to $3,000?

I checked my account online just now - one fund was flagged as "eligible to convert", with a "convert to Admiral" link. But when I clicked on it, it then told me it was not eligible to convert. So UI looks a bit buggy right now.
by sbaywriter
Mon Nov 12, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Trying to move out.
Replies: 25
Views: 2198

Re: Trying to move out.

Do some online research to learn the best way to introduce 2 dogs together. This is something you need to educate yourself on. You may also may need to find a good dog trainer to work with.
by sbaywriter
Sun Nov 11, 2018 10:17 pm
Forum: Personal Investments
Topic: Decumulation phase of retirement: money market a safe place to park money needed over the next two years?
Replies: 9
Views: 1516

Re: Decumulation phase of retirement: money market a safe place to park money needed over the next two years?

3)
Can one open the account(s) by exchanging or selling from an IRA?
I think you have to open the account first before you can exchange/sell into it. Could be wrong though - I only have IRA accounts at Vanguard.
by sbaywriter
Sat Nov 10, 2018 10:35 am
Forum: Personal Investments
Topic: Vanguard customer service
Replies: 44
Views: 2446

Re: Vanguard customer service

I wouldn't call it the worst - I had some good experiences and bad experiences at Vanguard, but most recently all good. Some definitely sounded clueless, others sounded really on top of things. Most explained things very clearly. For a while I thought Fidelity was better but that was because I was d...