Search found 696 matches

by veindoc
Sun May 31, 2020 8:10 pm
Forum: Personal Consumer Issues
Topic: Selling a house - should it be staged or left empty?
Replies: 45
Views: 3360

Re: Selling a house - should it be staged or left empty?

Staging helps with sizing a room. For example, instead of the buyer wondering if the dining room will accommodate a 6 or 8 person table, you can show them. It can also help with the question of will this room accommodate a queen or king size bed. I also believe staging is a must with a great room wh...
by veindoc
Thu May 28, 2020 9:50 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 114
Views: 6692

Re: Face mask recommendations

It is hard to find a well fitting homemade mask. I would start looking now and expect to buy several before you u find a good fit. My patients come in with their cloth masks and they vary from completely ineffectual to laughable. Look for one with a nose bridge. You need a tight cinch at your nose t...
by veindoc
Tue May 26, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 143
Views: 12603

Re: Pandemic buys that have improved quality of life?

1789 wrote:
Tue May 26, 2020 10:14 pm
I am hearing that a lot people bought bikes and enjoying it. That is one good thing happening.
Everything we’ve tried to buy seems someone has beaten us to it. Availability is low and prices are higher.
by veindoc
Tue May 26, 2020 10:17 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 143
Views: 12603

Re: Pandemic buys that have improved quality of life?

Bought: Unsolicited opinion (cash value: 2 cents): I understand a lot of the purchases other people listed, but not the robotic vacuums many people listed, at least not as a pandemic buy. I suppose the purchase makes sense in general, but it doesn't seem like a response to the pandemic, since more ...
by veindoc
Sat May 23, 2020 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Designing a Better Life At Age 40
Replies: 15
Views: 2673

Re: Designing a Better Life At Age 40

I did this. Right around the same age. We had more saved though. Enough for me to not worry that we couldnt handle expenses with one working spouse. Enough also to know that with compounding if we saved not a single dollar more, we would have enough for retirement. My father was also gifting my kids...
by veindoc
Fri May 22, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: I wrote an app, now should i form a business?
Replies: 21
Views: 2218

Re: I wrote an app, now should i form a business?

You learned to code and developed an app in 2 months? Kudos :sharebeer Thanks. I used Flutter and took courses on Udemy. Flutter made it easy. That said, there's lots that I don't know. So I'm looking for some legalese i can add along the lines of...this app is available for testing purposes and I ...
by veindoc
Fri May 22, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Should I pay $1,600 for this lawn care fix?
Replies: 55
Views: 5124

Re: Should I pay $1,600 for this lawn care fix?

Not something I'd do but I don't care if the yard is uneven. In fact, if it weren't for the loose HOA guidelines (not really an HOA) I wouldn't have a yard at all. I'd convert to field grasses and wildflowers. You didn't say where you live. Around here, seeding in the spring is the same as lighting...
by veindoc
Sun May 17, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Need help from NYC Real Estate Experts!!!
Replies: 35
Views: 2906

Re: Need help from NYC Real Estate Experts!!!

I can’t give you specific help on the real estate decision - however I can tell you more generally that the advice you will get here is dependent on people knowing your full picture. That you are even contemplating this indicates you are quite well off. However we don’t know anything more than that...
by veindoc
Sun May 17, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Need help from NYC Real Estate Experts!!!
Replies: 35
Views: 2906

Re: Need help from NYC Real Estate Experts!!!

Where do you live now? Do you own or rent? How long do you plan to hold this job? Is this a temporary assignment. How far is where you live from Manhattan? What is your salary, expenses and net worth? That will help us in giving you advice on whether or not it makes sense financially to buy a second...
by veindoc
Thu May 14, 2020 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 32363

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

I applied for EIDL back in the beginning of April, got a confirmation number and have yet to receive my $1k. Is anyone else in the same boat? yup. I've given up on that one. gasdoc I applied for EIDL in the first few hours of applications being accepted and just today received the email from SBA be...
by veindoc
Thu May 14, 2020 8:48 am
Forum: Forum Issues and Administration
Topic: New bogleheads induction [Request for new subforum]
Replies: 55
Views: 3122

Re: New bogleheads induction

I doubt this is a new phenomenon. People come in, ask for ideas and we share them. They either agree and stay on to educate others or they move on.
by veindoc
Thu May 14, 2020 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Discarding old tax returns
Replies: 62
Views: 5484

Re: Discarding old tax returns

I have some fairly old tax returns starting from 2003. The receipts are mostly faded and difficult to read. Are you talking about discarding copies of the returns themselves, or just the supporting receipts? Mostly the receipts. My accountant typically gave me the return electronically as well as a...
by veindoc
Wed May 13, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: What will you do this summer of 2020 [to keep young kids active?]
Replies: 11
Views: 1314

Re: What will you do this summer of 2020 if..

We are in the same position. Thinking about the inflatable pool as well. I have a raspberry pi for the oldest to build that I will give him once “school” is out. Middle kid is getting a drum set and youngest will probably fill his days with building robots and other science experiments kits I buy. W...
by veindoc
Wed May 13, 2020 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Discarding old tax returns
Replies: 62
Views: 5484

Discarding old tax returns

I have some fairly old tax returns starting from 2003. The receipts are mostly faded and difficult to read. I used to type the receipts into excel files and give to my accountant. Some years I did not use an accountant and did the calculations by hand. Many of those excel files were stored on hard d...
by veindoc
Wed May 13, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6607

Re: My spending has increased 2-3X since COVID-19!!! Has yours?

[Thread merged into here, see below. --admin LadyGeek] I'm not too sure what to make of this. I usually have pretty regular/predictable spending patterns, but my expenses have gone up 2-3X since Mar when WFH and COVID-19 lock down started. My health has been adversely affected by COVID-19, and that...
by veindoc
Wed May 13, 2020 5:30 am
Forum: Personal Consumer Issues
Topic: Online Interior Designer experience
Replies: 5
Views: 589

Re: Online Interior Designer experience

Choose your inspiration photos wisely. I used one of those services for my home office. I think it was decorist but not quite sure. I was looking for an updated traditional or contemporary design but the pictures I chose skewed very traditional and as such the designs were decidedly traditional. I w...
by veindoc
Tue May 12, 2020 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: ThirdFederal "Relock" option [and PSA]
Replies: 13
Views: 750

Re: ThirdFederal "Relock" option [and PSA]

I presume it’s a recast that they do. The first lock we had a substantially lower payment even though the rate was the same because we had been paying xtra towards the principal. But you are right the total length of the mortgage term is still a total of 30 years from the first origination. When I d...
by veindoc
Tue May 12, 2020 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: ThirdFederal "Relock" option [and PSA]
Replies: 13
Views: 750

Re: ThirdFederal "Relock" option [and PSA]

I just got a letter that we can relock at 2.84 with an APR of 3.19% for $95. This would be our second re-lock. Our current rate is 2.625 on a 5/1 30 year. I wonder why the APR is so high if the cost is only $95. I also wonder why your re-lock rate is higher than mine. Our letter is dated May 5. I t...
by veindoc
Tue May 12, 2020 11:10 am
Forum: Personal Finance (Not Investing)
Topic: How to consider home improvement expenses
Replies: 25
Views: 1280

Re: How to consider home improvement expenses

I consider all home improvement as an expense in my tracking of expenses and cash flow. I keep a running tally with backup of those home improvement expenses that increase my house basis to help reduce the amount of gain we will recognize when we sell (which currently exceeds the gain exclusion amo...
by veindoc
Mon May 11, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: ThirdFederal "Relock" option [and PSA]
Replies: 13
Views: 750

Re: ThirdFederal "Relock" option [and PSA]

I just got a letter that we can relock at 2.84 with an APR of 3.19% for $95.

This would be our second re-lock. Our current rate is 2.625 on a 5/1 30 year.

I wonder why the APR is so high if the cost is only $95. I also wonder why your re-lock rate is higher than mine. Our letter is dated May 5.
by veindoc
Mon May 11, 2020 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Appraiser is asking for more money in the middle of refinance process, legal?
Replies: 36
Views: 3222

Re: Appraiser is asking for more money in the middle of refinance process, legal?

BillyK wrote:
Mon May 11, 2020 5:14 pm
I am not so sure I would be too keen on potentially ticking off the appraiser for $105 bucks. You want a happy appraiser that lands on the number you need.
The loan to value ratio is <25%. I think the OP is okay here.
by veindoc
Fri May 08, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: Amazon issues - cannot even cancel Prime really
Replies: 59
Views: 3738

Re: Amazon issues - cannot even cancel Prime really

These are unusual times but I don’t think Amazon should get off that easily. I have had a number of businesses refund money or suspend memberships fees because they are unable to fulfill the terms of the contract. We demand refunds from airlines, day cares, etc but Amazon gets to keep the prime fees...
by veindoc
Sun May 03, 2020 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 32363

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

PPP funded today. So that's the end of PUA for me. EIDL advance was spent servicing existing debt last week. I also got an email saying the EIDL loan was approved but I am not sure I need those funds now. I'll see about opening a segregated account for the PPP funds tomorrow. Cheers Did you get a c...
by veindoc
Sun May 03, 2020 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 32363

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

I received the EIDL advance April 24 and had a payroll soon after. I haven’t received the PPL but did sign a promissory note. I wonder if I can say I used the EIDL money towards that. And use the PPL money if and when it comes toward future payroll etc.
by veindoc
Fri May 01, 2020 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 32363

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

i'm a single-person S -corp and i have a business relationship with Chase. What's the consensus on this thread? Should i apply with Chase or try paypal or a local credit union :confused I would try multiple lenders and withdraw the other applications once you get your SBA number. It doesn’t matter ...
by veindoc
Sun Apr 26, 2020 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Job Uncertainty is Killing Me: How to Cope???
Replies: 22
Views: 2197

Re: Job Uncertainty is Killing Me: How to Cope???

Agree you need to seek counseling. I’m stressed. We are all stressed. I won’t go into details because I’m sure millions of people are in the exact same boat as I am. Hundreds of thousands of dollars in debt for a business I can’t run. How I deal with it? Did as much prevention as I could: spoke w cr...
by veindoc
Tue Apr 21, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9219

Re: Parents want me to pay off their mortgage in exchange for title

With no business how will your parents pay off the business debt and their expenses.

Don’t they need the proceeds of a home sale to do this?

Paying off the mortgage seem to solve only one part of the problem.
by veindoc
Tue Apr 21, 2020 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 32363

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

That button only allowed you to apply for the advance not the actual loan. That is how it works. I received the advance about 2 weeks later. Have not received further communication about actually applying for the loan itself. So you only completed the short advance request form ($10,000) and never ...
by veindoc
Mon Apr 20, 2020 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 32363

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

I applied for EIDL on 3/30. SBA just ran my credit yesterday (4/18). Be patient. How can I find out whether someone has run my credit? My credit card sends me an alert when there is activity. Discover sent an email stating there was an inquiry. I logged onto my portal and saw it was from sba. Check...
by veindoc
Mon Apr 20, 2020 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: No longer desiring promotion - change career?
Replies: 43
Views: 2868

Re: No longer desiring promotion - change career?

The only downside is when you find people who are not as smart or capable as you now supervising you. I was probably as ambitious as anyone out there. From the start of my career, my intent was to be the boss. And I certainly had the intelligence and skills to do so. But then I had kids and frankly ...
by veindoc
Sun Apr 19, 2020 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 32363

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Curious to hear from those who applied for the EIDL loan. When they first announced this program I logged in to apply for the loan. I didn’t finish the application and left it halfway through. I do have a line of credit that is untouched and the feds has just set the rate to zero so I wanted to do a...
by veindoc
Thu Apr 16, 2020 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7487

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

This whole experience has put a bad taste in my mouth. When I started this business I met with a banker who set me up with a private banking account for my personal checking, a business checking, mortgage and startup loan. She also introduced me to a number of other people in the bank in merchant se...
by veindoc
Thu Apr 16, 2020 6:37 am
Forum: Personal Consumer Issues
Topic: Convince me - for or against bigger home
Replies: 92
Views: 5456

Re: Convince me - for or against bigger home

I think you need to reconfigure your sleeping arrangements at a minimum and/or consider a different house. It sounds like you need more rooms. More rooms doesn’t need to translate to much bigger space. And why would you leave Redmond? They don’t have 4 bedroom homes there? If you could find a four b...
by veindoc
Wed Apr 15, 2020 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 5928

Re: Advice - Anesthesiologist threatening collections

Did you get an explanation of benefits from your insurance company? This will tell you what was charged, how much the insurance paid and how much you are responsible for- per your deductible or co-insurance. Typically, the group has a contracted price that the insurance company will pay. They bill 6...
by veindoc
Sun Apr 12, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128996

Re: Coronavirus (Consumer Issues) How you are preparing?

I did not think of Walmart. I ordered a few from Etsy.com - supposedly from a sewer in the U.K. It has shipped but still no sign of it. On Amazon a bandana has been delayed by about 3 weeks. Ones similar to the one from Walmart are less expensive but the official arrival date is mid May to June. I ...
by veindoc
Thu Apr 02, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 10292

Re: Are your personal expenses down during stay home and shelter?

Have not calculated it but feels fairly similar. Most extracurriculars were prepaid as was aftercare. But I am now paying a college student to come in so I can work. Expecting a refund on some of the extracurricular items. Groceries are likely up as is eating out. We never eat out but have been orde...
by veindoc
Wed Mar 25, 2020 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Small business disaster loans
Replies: 3
Views: 444

Re: Small business disaster loans

So far that’s it. Which is very unsatisfactory in my opinion. This new stimulus bill from what I read will provide 10,000 grants with additional loan options and possibly tax credits. Seems the tax credit is contingent on not laying anyone off. I am holding on to my staff for now although there is l...
by veindoc
Sun Mar 15, 2020 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Closing On A House Sale During A Pandemic
Replies: 22
Views: 2920

Re: Closing On A House Sale During A Pandemic

I sold a home out of state and my realtor signed on my behalf after I gave written permission for her to do so. This was in PA. I would worry more about the moving company. Have you figured out where you are going next? Can you start the process?
by veindoc
Wed Mar 04, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: Help/Advice with Decluttering
Replies: 37
Views: 2752

Re: Help/Advice with Decluttering

It gets easier. Believe me. I have been decluttering items with a professional organizer for the last six months. Kids artwork, craft supplies, odds and ends that people can use but I don’t use, items in the garage and basement that were placed when we moved but never dealt with, etc. At first it wa...
by veindoc
Tue Mar 03, 2020 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Making public vs. private high school decision
Replies: 59
Views: 3331

Re: Making public vs. private high school decision

Why did you even apply to the private school?
Daughter was doing well, had friends...what was missing?
Are you likely to find that missing element in the private school? If so, go. If not, stay.
by veindoc
Sun Mar 01, 2020 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: CPA relationships/advice
Replies: 24
Views: 1336

Re: CPA relationships/advice

My CPA has always been responsive, returning my calls/email within a day. Are you emailing your CPA’s using their direct email? Meaning first name@cpafirm. If so and there is no response, I would find another CPA. If you don’t have their direct email and instead are relying on letters, telegraphs an...
by veindoc
Wed Feb 26, 2020 7:34 pm
Forum: Personal Consumer Issues
Topic: General house remodeling approach
Replies: 30
Views: 2526

Re: General house remodeling approach

veindoc - it sounds like what you got (on your 2nd go-around) is kinda what I have in mind. Though at least for many of the things, there's a substantial construction element beyond just the design/decor stuff. I had been down on the idea of an "internet designer", because if I use a designer, I wa...
by veindoc
Wed Feb 26, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: General house remodeling approach
Replies: 30
Views: 2526

Re: General house remodeling approach

Interview a few designers. You can find some on houzz.com in your area and exchange emails to see if they would be a fit. Invite the ones you like to your home. Pick one that works with a GC. I would spend some time deciding what materials you like to give them an idea of budget and set expectations...
by veindoc
Sun Feb 23, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on what to liquidate for cash purchase of house
Replies: 11
Views: 720

Re: Need advice on what to liquidate for cash purchase of house

If you borrow from the 401k, it will have to be paid back upon separation of employment. If that happens a prior to when your home sells, you may find yourself in another cash crunch. I would liquidate money from employee stock and taxable and leave retirement money alone for now. Would likely resul...
by veindoc
Sat Feb 22, 2020 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Financing a home Renovation
Replies: 17
Views: 1447

Re: Financing a home Renovation

Can you wait a bit until realtors contractor is free? Or is the contractor uninterested? Have you explored other options like leaving staircase where it is? In any case, I would borrow the money and leave your cash intact. Once the dust has settled, aggressively pay it off.
by veindoc
Tue Feb 18, 2020 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Had a baby and received generous check from her great grandparents. Now what?
Replies: 157
Views: 11594

Re: Had a baby and received generous check from her great grandparents. Now what?

Money given to an infant is always risky. Put it in checking account and the kid could spend it on comic books once they hit 18. Put it in a 529 and the kid could drop out of high school to start a band. I would set aside “what ifs” and put the money in whatever vehicle reflects your values and that...
by veindoc
Mon Feb 17, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10225

Re: Prenup - Worth It?

I have reservations. If I am traveling across the globe leaving behind family and all that I have known behind and then am told upon arrival what’s mine is mine and you can keep your peanuts, I don’t know if I would come. Her immigration status depends on you, her housing depends on you, her assimi...
by veindoc
Mon Feb 17, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10225

Re: Prenup - Worth It?

I have reservations. If I am traveling across the globe leaving behind family and all that I have known behind and then am told upon arrival what’s mine is mine and you can keep your peanuts, I don’t know if I would come. Her immigration status depends on you, her housing depends on you, her assimi...
by veindoc
Mon Feb 17, 2020 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup - Worth It?
Replies: 237
Views: 10225

Re: Prenup - Worth It?

I have reservations. If I am traveling across the globe leaving behind family and all that I have known behind and then am told upon arrival what’s mine is mine and you can keep your peanuts, I don’t know if I would come. Her immigration status depends on you, her housing depends on you, her assimil...