Search found 85 matches

by sbaywriter
Mon Nov 19, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 78
Views: 3217

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: 1964

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: Investing - Help with Personal Investments
Topic: Decumulation phase of retirement: money market a safe place to park money needed over the next two years?
Replies: 8
Views: 1083

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: Investing - Help with Personal Investments
Topic: Vanguard customer service
Replies: 12
Views: 1677

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...
by sbaywriter
Fri Nov 02, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Weight Training After 70
Replies: 33
Views: 2362

Re: Weight Training After 70

I second the idea to consult a good physical therapist rather than a trainer at a gym. That's based on my personal experience though - I get injured easily and in my one experience with a personal trainer, I spent the next 2 months in physical therapy recovering. To get back in shape after long peri...
by sbaywriter
Sun Oct 21, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: First RMD is due last day of year
Replies: 31
Views: 1679

Re: First RMD is due last day of year

So I can take my first RMD any time during 2019 and claim it on my 2019 taxes. I do not have to wait until "after" I turn 70.5. Right?
Right.
by sbaywriter
Tue Oct 16, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4257

Re: Relocation to California

OP - San Fernando Valley covers a wide area. Which part of the valley do the relatives live in? As mentioned above, Simi Valley is close to northwest corner of the valley - I lived there for about 8 years in the 1980s/90s and it was a really peaceful place to live back then - don't know about now. A...
by sbaywriter
Mon Oct 08, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Death Valley Trip Recommendations?
Replies: 19
Views: 1269

Re: Death Valley Trip Recommendations?

No answer but a few comments from my one trip decades ago - the main thing I remember: Drink LOTS of water, even if you don't feel thirsty - the dryness sucks the moisture out of you before you realize it. I found it interesting and enjoyed visiting - once. We were tent camping and I found it too ha...
by sbaywriter
Sun Oct 07, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs
Replies: 23
Views: 2148

Re: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs

Is it the "overdraft" feature of Cash Manager that will fund your bills by automatically pulling money from the higher interest earning MM fund?

The FAQ on the Fidelity website don't provide much info on how that works.
by sbaywriter
Sat Oct 06, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Required Minimum Distributions-RMDs
Replies: 5
Views: 516

Re: Required Minimum Distributions-RMDs

If you want to make QCD (qualified charitable distribution) once you are 70.5, you can only do that from IRA not 401k. Just something to be aware of.
by sbaywriter
Fri Oct 05, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: Transition to Vanguard's new investment platform???
Replies: 17
Views: 2647

Re: Transition to Vanguard's new investment platform???

This "transition" has been going on for years - Vanguard seems to be getting more forceful now. For a while I would see an "upgrade" button whenever I logged on. That went away. Now there is a popup window every time I log on that tells me: "Important update needed for your account We'll be retiring...
by sbaywriter
Tue Oct 02, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3340

Re: New Apartment, city noise

Agree that you may or may not get used to it - give it some time, maybe even months. I moved into a house 3-4 miles from a small airport not knowing that the plane traffic pattern was overhead the neighborhood. I found the noise of planes taking off/landing annoying. It wasn't all day long, mostly m...
by sbaywriter
Tue Sep 18, 2018 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2806

Re: Bank of America credit card “feature” (be careful with autopay)

My Cap One card says the following: We will debit your AutoPay Bank Account on your due date even if you make other payments. No debit will be made if you have a balance of $0 when the AutoPay Payment begins processing, typically 1-2 days before your due date. So not just BoA. So yeah, it requires s...
by sbaywriter
Thu Sep 06, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Implementing a QCD at Fidelity
Replies: 17
Views: 1369

Re: Implementing a QCD at Fidelity

Thanks for posting the link to the form. I have a Fidelity IRA but have not done any RMDs or QCDs, but have done both from Vanguard and am considering at some point consolidating at Fidelity, so interested in the answer to this question. This following part was surprising to me because when I did a ...
by sbaywriter
Wed Sep 05, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How much to spend on rent in high COL area?
Replies: 15
Views: 1589

Re: How much to spend on rent in high COL area?

In Silicon Valley a couple of years ago, a nice (as in recently built, air conditioning) 2 bedroom in Mountain View (Google land) would go for 3500 and up. Older units maybe 2500. I guess that's VHCOL vs HCOL. So it's all relative, sometimes you are forced to pay more because that's what it costs.
by sbaywriter
Tue Aug 21, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Retirement location planning
Replies: 19
Views: 2180

Re: Retirement location planning

There is a guy named Ron Stack who sells books evaluating retirement places including Florida and has a huge website with info on various places to live in Florida and risks to be aware of. You might find it informative. But keep in mind that his approach to sell book seems to be to use scare tactic...
by sbaywriter
Mon Aug 20, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Retirement location planning
Replies: 19
Views: 2180

Re: Retirement location planning

I recently moved to Tampa Bay area - Tampa airport is nice and has many flights - I think including international, not sure. Hurricanes: areas by the coast or right on Tampa Bay are evacuation zones because of potential storm surge but inland areas can still get the winds and flooding from heavy rai...
by sbaywriter
Sat Jun 23, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Relief From Pain provision in Advance Care Directive
Replies: 10
Views: 810

Re: Relief From Pain provision in Advance Care Directive

Probably refers to if you are willing to receive palliative sedation - you can google that for more info - basically being sedated into unconsciousness as a relief for pain when dying.
by sbaywriter
Mon Jun 04, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Would like to bounce some ideas regarding renting a home or condo
Replies: 16
Views: 1355

Re: Would like to bounce some ideas regarding renting a home or condo

When I lived in LA area many years ago in rental houses, several came with stove only, or stove/refrig. Most had no washer/dryer. Maybe there is a nearby laundromat. Yes you can find used appliances.
by sbaywriter
Mon May 28, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Financial plan review for a widowed mother
Replies: 18
Views: 2005

Re: Financial plan review for a widowed mother

She claims that now that she's on his benefits she can't see what hers would be when looking online.
This is true, had the same situation - it will no longer show hers. She can call Social Security office and ask them for that info.
by sbaywriter
Thu May 24, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: Changing Medicare Part D Plan
Replies: 2
Views: 380

Re: Changing Medicare Part D Plan

I am pretty sure you do it all through the insurer. My experience: I moved from California to Florida last year. I was on a Humana part D plan. I checked the medicare website and it showed that Humana had the same plan in Florida. So after I moved I called Humana about changing my address. Turned ou...
by sbaywriter
Thu May 17, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Renting storage unit
Replies: 24
Views: 2069

Re: Renting storage unit

Yes it can become expensive long term and you might be better off getting rid of more stuff than storing it, or spending the money to organize it better rather than on storage costs. What seems to happen is people don't have time to sort through accumulated stuff, or they inherit a bunch of stuff an...
by sbaywriter
Thu May 17, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Buying I bonds - what is the purpose of Registration on TD website
Replies: 22
Views: 2527

Re: Buying I bonds - what is the purpose of Registration on TD website

OP had question about what happens if the owner of the bond is incapacitated and another question on what happens in event of death - these are 2 different situations. I don't think the "incapacitated" question was answered - I don't know the answer and would be interested. On the other question, ad...
by sbaywriter
Thu May 10, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B sticker shock - should I appeal
Replies: 7
Views: 1540

Re: Medicare Part B sticker shock - should I appeal

There is a form you can fill out and file with SSA when your income is reduced because you stopped working. It is SSA-44 Medicare Income Related Monthly Adjustment Amount Life Changing Event. Work stoppage is one of the "events." It may help to have something from your employer confirming that you s...
by sbaywriter
Tue May 08, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Do you know anyone unhappy in a CCRC?
Replies: 41
Views: 5153

Re: Do you know anyone unhappy in a CCRC?

Not much new to add to comments above but will share my mom’s experiences, since she left a CCRC. She was in her mid 80s but still active and in good health, and worked part time. She lived in an apartment close to public transportation and within walking distance of stores and services. But the apa...
by sbaywriter
Tue May 01, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Career change and going back to school at 40+
Replies: 37
Views: 3701

Re: Career change and going back to school at 40+

You've got a lot of good suggestions. Just want to chime in to agree with them and encourage you to keep investigating your options, including what others suggested of talking to people in fields that appeal to you, doing self-assessment career type tests to discover other possibilities, etc. I got ...
by sbaywriter
Sun Apr 22, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 6504

Re: How long have you been unemployed?

Between 2002-2004 after dot com crash in silicon valley was sporadically employed on short term contracts for about a year and a half before getting a longer term contract and eventually a contract that morphed into permanent job where I stayed for 10 years. Part of that was geography - was trying t...
by sbaywriter
Fri Apr 20, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Guaranty appraisal on real estate. Good idea? This must be a bubble?
Replies: 21
Views: 1649

Re: Guaranty appraisal on real estate. Good idea? This must be a bubble?

I had the "guarantee x amount if appraised lower than offer" on a contract when I sold my house couple of years ago - another hot housing market - it did appraise at offered price. Sounds like your realtor is giving you some good guidance on how to approach the market. But if the realtor is telling ...
by sbaywriter
Mon Apr 16, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help with CD ladder strategy for emergency fund
Replies: 36
Views: 3649

Re: Help with CD ladder strategy for emergency fund

Forget the brokered CDs - they are for people with lots of money they need to allocate to fixed income investment, not for people deciding what to do with 10k of their emergency fund. I saw in other thread there is 10k minimum required for Vanguard brokered CDs. Yes treasury bonds and I bonds are ot...
by sbaywriter
Thu Mar 15, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Recommended savings ‘Buckets’?
Replies: 30
Views: 2880

Re: Recommended savings ‘Buckets’?

Depends on your circumstances and what works for you. Like, depends on your age and how employable and mobile you are - some jobs or industries you can be unemployed for long stretches or indefinitely if over 50. In such a case, would use CDs, I-bonds, etc rather than stock investments since stock m...
by sbaywriter
Fri Feb 23, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: I week in California, Road Trip Planning
Replies: 65
Views: 4591

Re: I week in California, Road Trip Planning

Visiting as a tourist on vacation requires planning a different trip than visiting to find out nice suburbs you might want to live. I think I remember from earlier you were interested in exploring places to live. If you need to live close to a major airport or place with jobs, places like Ventura, O...
by sbaywriter
Fri Feb 23, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Help! Buying my first sofa/couch
Replies: 27
Views: 2083

Re: Help! Buying my first sofa/couch

If you are young, you can probably get best deal with ordering online. Older people like me have back issues that require test drive. I would check out a few local furniture stores first. If you find several you like in store you could note details like: height of back, depth of seat , height of top...
by sbaywriter
Mon Feb 12, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 7763

Re: Live / work in California - Technology Career

Just a note on climate. To understand California climate (both northern and southern) along the coast, you need to understand how the marine layer affects the climate. Google marine layer. When you live with a mountain range between you and the ocean, you can see the white mist rolling in , with the...
by sbaywriter
Sat Jan 27, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Renting out current home to rent elsewhere...thoughts?
Replies: 7
Views: 798

Re: Renting out current home to rent elsewhere...thoughts?

Not clear to me why. Is it that you are reluctant to sell the place because you are afraid prices will continue up and you will never afford to be able to buy again in that part of California? I rented out my house and rented elsewhere because it was underwater on mortgage during the housing bust an...
by sbaywriter
Sat Jan 20, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Pros and Cons of High Rise Condos for retired couple
Replies: 47
Views: 5885

Re: Pros and Cons of High Rise Condos for retired couple

Would they have any concerns about earthquakes? I went through 2 major earthquakes in LA area (1971 and 1994) - I would never want to be in a high rise in earthquake country. Especially if I were getting older and might have to travel down multiple flights of stairs to evacuate.
by sbaywriter
Fri Dec 29, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Severance Pay and 401k contributions
Replies: 15
Views: 2640

Re: Severance Pay and 401k contributions

When I was laid off in large RIF in California, the WARN act mandated 2 months notice so for those 2 months I requested that all of my paycheck go toward 401k. Then the severance payment was given after the 2 months. Don't know if that applies. Not sure why you said 50 percent of paycheck - I was ha...
by sbaywriter
Sun Dec 17, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Overnight guests
Replies: 15
Views: 2051

Re: Overnight guests

Agree with other suggestions on discussing with husband. In some areas it is common for people who commute long distance to rent room locally and stay there 2-4 nights a week. Maybe he needs to find an arrangement like that. I would feel same as you but would want to make it clear that in an emergen...
by sbaywriter
Sat Dec 09, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 20020

Re: Save all this money, what do you splurge on?

For a brief year where I had extra money I bought 3 framed original artwork from working artists in my locale. They were giclee prints so to me look like original art, not that flat dull poster stuff. My rationale: I am not an artist, I love the art created by others, I think artists are not rewarde...
by sbaywriter
Sun Nov 26, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security Site not showing my future benefits
Replies: 11
Views: 1288

Re: My Social Security Site not showing my future benefits

Same thing happens (your own benefits no longer visible) if you claim widow/widower benefits while holding off until later on your own benefits.

You can call them and ask them to calculate your own benefits for you - well, at least I did that a year before I claimed.
by sbaywriter
Tue Oct 10, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2575

Re: Moving Stroke Victim Out of State

As far as the phone it may be possible to port the number to Google voice - there is a tool you can use to check.

Google "can I port landline to Google voice" and you should find it.
by sbaywriter
Wed Aug 16, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: If you received robocalls from cruise lines
Replies: 13
Views: 2069

Re: If you received robocalls from cruise lines

It's 300 maximum - probably more like 30 cents actual? From the FAQ Each RMG telemarketing call you received will have a maximum value of $300. You may file a claim for up to three calls per telephone number included in the Call Records. This means that your maximum payment amount could be $900 per ...
by sbaywriter
Sat Aug 12, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from LCOL to HCOL -> what do I need to take into account?
Replies: 6
Views: 1136

Re: Moving from LCOL to HCOL -> what do I need to take into account?

No comments on prices, only weather and scenery: Ventura/Oxnard - beautiful and temperate. Miles of beaches and inland hiking in the hills I lived there long time ago (1980s) - the marine layer (think gray and foggy) keeps it lovely and cool (sometimes downright cold) during the summer. I prefer coo...
by sbaywriter
Fri Jul 28, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 7998

Re: GF Picking a college major

I agree with the suggestion of previous posters to take some time off and get some kind of job - that worked for me. But times were different then. And of course none of us really have the full picture here and the decision is ultimately the GFs. I dropped out of college in the 1960s because althoug...
by sbaywriter
Sun Jul 16, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: San Jose and San Francisco Trip
Replies: 24
Views: 2411

Re: San Jose and San Francisco Trip

Lived near San Jose for 20 or so years but not sure why anyone would make a special trip to visit it unless there for business or family when there is so much to see in SF. In SF 4 art museums that might have special programs for kids. There's Chinatown for different cultural feel. Golden Gate park ...
by sbaywriter
Mon May 08, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: how to copy old audio cassettes to pc?
Replies: 19
Views: 2179

Re: how to copy old audio cassettes to pc?

I bought (off Amazon, for about $20) a little cassette player that came with USB connector: AGPtek® Tape to PC Super USB Cassette-to-MP3 Player Converter With USB Cable, Headphones and Software It comes with a install CD but if I remember right what it has on the CD is Audacity. Anyhow, I think I th...
by sbaywriter
Sun Apr 30, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Buy condo now, or wait a few years and then enter CCRC?
Replies: 26
Views: 3376

Re: Buy condo now, or wait a few years and then enter CCRC?

Some factors to consider - how familiar are you with that CCRC? Are you confident you would feel happy in that kind of environment? Can you "try it out" by renting on site for a few days and checking out dining facilities, etc. My mom moved to one. She had been living in a walkable city and right ne...
by sbaywriter
Thu Apr 27, 2017 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Best strategy for retaining tenants?
Replies: 30
Views: 2657

Re: Best strategy for retaining tenants?

Speaking as a renter - if they are good tenants, they know it, and probably expect you to know it and reward them by not giving them any big rent increase when their lease is up. A small increase, maybe 2 - 3 percent would not come as shock and probably wouldn't cause them to move, if that is your c...
by sbaywriter
Sun Apr 09, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 3482

Re: Trip Ideas - San Francisco & Northern CA

Gosh, so much beauty in California coast - just remembered - if you are really headed way north, Prairie Creek Redwoods state park has a spectacular and easy 5 mile hike through redwood forest down to the coast - that is, it is easy if one member of party is willing to drop the rest off at top of tr...
by sbaywriter
Sun Apr 09, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 3482

Re: Trip Ideas - San Francisco & Northern CA

Monterey Aquarium is great and there is kayaking nearby which I would think would be fun for teens, and if you are down that way, second vote for Pacific Grove and Asilomar State Beach - very easy access to beautiful beach bluff trail with crashing waves for anyone with physical limitations on hikin...
by sbaywriter
Sat Apr 08, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Cold weather family summer vacation ideas
Replies: 32
Views: 4023

Re: Cold weather family summer vacation ideas

As you already discovered, California coastal area stays cool to cold in the summer due to marine layer.

Just a reminder that highway 1 is closed at Big Sur due to the bridge collapse and not expected to reopen until end of Sept 2017. So driving all the way on highway 1 is not possible.