Search found 200 matches

by sil2017
Thu Jun 14, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: TransferWise versus transfermate
Replies: 3
Views: 274

Re: TransferWise versus transfermate

Once and 200k CDN
by sil2017
Thu Jun 14, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: TransferWise versus transfermate
Replies: 3
Views: 274

TransferWise versus transfermate

Transfermate from CDN to USD gives a better amount than TransferWise. Anyone ever use transfermate before? Are they reputable? It seems like the transferring works the same way where the money is first wired to either TransferWise or transfermate and then the agent convert the funds and transfer int...
by sil2017
Thu Jun 14, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2336

Re: best way to receive large sum of money from another country

alohajoe-

I have a vanguard account in the USA. Can my parent purchase vanguard funds for herself then transfer to my account?

Or could she just purchase the fund for my account in the USA?

I like to keep it as simple as possible and only file once with IRS then to file every year.
by sil2017
Thu Jun 14, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2336

Re: best way to receive large sum of money from another country

It seems like using TransferWise to transfer money from CDN to USD into my bank would be the best option . However is it possible for my parent to purchase vanguard funds in Canadian funds and gift it to me ? For example instead of wiring 200k CDN money , 200k vanguard funds in CDN will be bought in...
by sil2017
Wed Jun 13, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2336

Re: best way to receive large sum of money from another country

Irs 3520 form . Does the giver have to sign form or just the receiver
by sil2017
Wed Jun 13, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2336

Re: best way to receive large sum of money from another country

The reason I want to hold CDN dollars is in case I move back to Canada for several years . The other reason would be to wait for a better exchange rate . If I open bank in Canada do I use my address or a Canadian address? I believe HSBS has banks in Canada and USA . Perhaps I can open bank in USA an...
by sil2017
Wed Jun 13, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2336

Re: best way to receive large sum of money from another country

Thanks everyone for your suggestions . I used to bank at TD so I will ask . I rather not convert from CDN to USD if possible .
by sil2017
Wed Jun 13, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2336

best way to receive large sum of money from another country

I will be receiving about 200k Canadian dollars from my parent as a gift. The family member is Canadian and lives in Canada. I have dual citizenship ( Canada and USA) but have lived in the USA for over 30 years. I grew up in Canada. I only hold a USA passport. How do I claim the gift money? Do I ope...
by sil2017
Mon Jun 11, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16530

Re: Life in retirement - what did you do today?

I’m retired for almost a year now . I woke up at 4 am , played and fed my 2 dogs . I read my emails and news for the day . At 5:30 I jogged 45 minutes . I showered , walked my dogs for two miles then made myself a healthy breakfast . I washed my car and am about to go for a massage. I probably will ...
by sil2017
Sun Jun 10, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 8603

Re: Don't make the mistake I made (Telemarketing hell)

I was looking around for health insurance as well. After completing the online form, I received many calls from various phone numbers; some leaving messages for me to enroll in a health plan. For about a week or more, I received at least 3 to 5 calls per day from various numbers. What I did was decl...
by sil2017
Tue May 29, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2460

Re: Solid Raw wood from South Africa infestation?

I threw it in the dryer for one hour at the nearest laundromat. I guess the bath towel wrapped around and tied with strings didn't do the trick. After it came out, part of the foot and ear chipped off. I stopped by my neighbourhood hardware store and they recommended I apply several coats of Miniwax...
by sil2017
Mon May 28, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2460

Re: Solid Raw wood from South Africa infestation?

wondering if it is in a stove, could the bugs , if any , come out and still survive? I do occassionally use the oven to bake.
by sil2017
Mon May 28, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2460

Re: Solid Raw wood from South Africa infestation?

Thanks, I will try the dryer.
by sil2017
Mon May 28, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2460

Solid Raw wood from South Africa infestation?

I bought a Rhino hand carved statue about 10 inches wide and 5 inches tall from South Africa last summer. The rhino is solid raw wood with no paint or any type of sealant. I placed the rhino on my top book shelf ( shellac finish) and noticed piles of sawdust like powder on the top shelf, middle shel...
by sil2017
Fri Apr 13, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Termination of transfers from SPG and Marriott to airlines?
Replies: 94
Views: 5393

Re: Termination of transfers from SPG and Marriott to airlines?

Hoping the Marriot travel package will last for awhile. I am short on points but should have enough by July 2018.

I have Marriot Gold and have reservations for October in hotels with club lounge . I hope the free breakfast and club lounge perk will at least last till February 2019, expiration date.
by sil2017
Fri Apr 13, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 5028

Re: realtor wants to show house to buyer, no listing agent for me

Carefreeap, Thanks for your input. I checked Zillow.com. There are only 7 houses for sale in my area. All are 600 more feet more than mine and a lot more expensive. In the last 2 months , all houses sold in m area were at asking price. I guess this the the reason the buyer who wanted to see my house...
by sil2017
Thu Apr 12, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 5028

Re: realtor wants to show house to buyer, no listing agent for me

Okay, realtor called and left a voice message for suggested date and time for weekend viewing. I just called her back and told her I really don't want to sell my house. I love my house, it has been recently remodeled and I love the location. No problem. Her response was call me when you want to sell...
by sil2017
Thu Apr 12, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 5028

Re: realtor wants to show house to buyer, no listing agent for me

Thanks all for your time and I truly value all your suggestions. :sharebeer I somewhat felt obligated to show my house since I said I would. But after reading everyone's advice, I will not allow the private viewing. When the realtor calls back with a visit time, I will firmly say I have changed my m...
by sil2017
Wed Apr 11, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 5028

Re: realtor wants to show house to buyer, no listing agent for me

Jminv Thanks for the advice. Since I agreed to letting the buyer ( guess the realtor will be there too) view my place , I will follow through. I’m curious about the lowballing tactics. I’m very hesitant ( not motivated) to sell at this point. I really don’t know where else I can move to with mild cl...
by sil2017
Wed Apr 11, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 5028

Re: realtor wants to show house to buyer, no listing agent for me

I believe the buyer is represented by the realtor who called me today.
by sil2017
Wed Apr 11, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 5028

Re: realtor wants to show house to buyer, no listing agent for me

jiminv- I looked at an open house in my area about a year ago. I talked to this realtor and asked how the real estate market was doing. Think about 9 months or so ago, she would send me letters asking if I wanted to sell my house. She called me many times and dropped flowers, cookies etc at my front...
by sil2017
Wed Apr 11, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 5028

Re: realtor wants to show house to buyer, no listing agent for me

I just lost my reply so here it goes , again. Pajamas- Realtor is representing the buyer , not me as she is not my listing agent. In fact, I don't have a listing agent. The only reason I agreed to a private view from the buyer is because of the 9 months or so persistency of the realtor wanting to li...
by sil2017
Wed Apr 11, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 5028

realtor wants to show house to buyer, no listing agent for me

There is a persistent realtor who wants to be my listing agent so I can put the house up for sale. Today, the realtor called me and said there is a buyer who is interested in my house. The buyer has been out-bidded on several houses in my neighbourhood. The realtor asked if the buyer can see my hous...
by sil2017
Tue Apr 03, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 22352

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

To Mel
I replied to your message earlier by private message but it doesn’t show sent but rather in my outbox . I tried it 4 times or maybe five.
Hoped you received it ..

Thanks
Silvana
by sil2017
Mon Mar 19, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Can't find original copy of Grant deed
Replies: 4
Views: 566

Can't find original copy of Grant deed

I have been looking over my house transactions (there are many) and I can't seem to find the original copy of my Grant Deed. I was able to order , download , and print a certified copy of the Grant deed with the County Clerk website. Am I going to run into problems whether I sell the house or not ? ...
by sil2017
Mon Mar 19, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: How do you find good travel deals?
Replies: 11
Views: 1312

Re: How do you find good travel deals?

Check secretflying.com and fly4free.com
by sil2017
Sat Mar 10, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: estimated tax payment - am I qualified?
Replies: 7
Views: 536

Re: estimated tax payment - am I qualified?

Thank you for your help . I’m aware of the fee on my credit card .
by sil2017
Sat Mar 10, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: estimated tax payment - am I qualified?
Replies: 7
Views: 536

Re: estimated tax payment - am I qualified?

Can I just make one Estimated payment at the end of this month, say $2600. And then I don't make anymore estimated payment for the rest of the year. And does it matter how much I withhold each month for my pension because I can change the tax withholding anytime . For example, in April, I could ask ...
by sil2017
Sat Mar 10, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: estimated tax payment - am I qualified?
Replies: 7
Views: 536

estimated tax payment - am I qualified?

I retired last year so I will not have any W2 for 2018. However, I do receive monthly pension from CALSTRS. I have a choice of choosing how much I would like withheld for federal and state taxes. Can I choose to not withhold any taxes from my pension and instead pay the estimated payment plan with m...
by sil2017
Wed Mar 07, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 22352

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Just missed it again.

Please add me to the waiting list.

thanks
Silvana

x
by sil2017
Tue Mar 06, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: New Zealand - Bucket list trip
Replies: 22
Views: 2074

Re: New Zealand - Bucket list trip

Several years ago , I had a 14 day cruise from Sydney to Auckland. Never saw much of New Zealand as there was not enough time at the ports for the far away sights . In the last week of October , we will be doing a self drive on the South Island. Lots of great suggestions as to main sights and itiner...
by sil2017
Thu Jan 18, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 21467

Re: Anyone disenchanted with retirement?

I retired about 7 months ago at age 56 . I am loving it . Retirement is one of the best decisions I’ve made in my life. I still don’t feel like I have enough time for my interests and hobbies . I spend the morning reading and learning on the computer with my 2 cups of coffee . I go to the gym to wor...
by sil2017
Sat Jan 13, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Emergency evacuation with pre-existing condition
Replies: 13
Views: 1179

Re: Emergency evacuation with pre-existing condition

Sorry to confuse you all. Preexisting condition is defined as the look back period of either 45 days with Global rescue or 60 days with travel insurance. I believe my hemorrhoid would be considered pre-exisitng as I have seen the doctor last week. I told the doctor I have had hemorrhoids for over 15...
by sil2017
Sat Jan 13, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Emergency evacuation with pre-existing condition
Replies: 13
Views: 1179

Emergency evacuation with pre-existing condition

Oh gosh, I am so stressed out over my upcoming Mt. Kilimanjaro trip in the next 10 days. Not thinking, I was at the doctor for hemorrhoid condition last week. The reason is I wanted to get a referral in case I want it removed after my month trip to Africa. So I figured I see the doctor prior to the ...
by sil2017
Fri Jan 12, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 664

Re: Travel insurance-2ndary versus primary

Thanks for the information. I checked out global rescue as well. Highly recommended by the American alpine club . I spoke with CSR at global rescue in length. Global rescue would provide ground transfer to the helicopter location to transport me to the nearest hospital. Also, once stabilized, I have...
by sil2017
Fri Jan 12, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 664

Re: Travel insurance-2ndary versus primary

I agree with emergency evacuation which is what I am interested in. Kaiser will pay for all urgent and emergency medical fees. I need to file a claim which is the same for any travel insurance. I read the primer travel insurance from cruise critic forum. It mentioned "medjetassist" which is a stand ...
by sil2017
Fri Jan 12, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 664

Re: Travel insurance-2ndary versus primary

With my Kaiser Permanente CA insurance, my co pay is $15 for office visits. This will apply to urgent care abroad. If an emergency, I have full coverage without co-pay, same as in US.
by sil2017
Fri Jan 12, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 664

Re: Travel insurance-2ndary versus primary

I just called World Nomads. CSR keeps dodging the answer to my question about their secondary insurance coverage. I told CSR that I have international medical insurance through my employer and if by chance I need medical attention to be transferred to the hospital and get medical care, will the Worl...
by sil2017
Fri Jan 12, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 664

Travel insurance-2ndary versus primary

I will be trekking Mt Kilimanjaro , followed by a safari with a UK tour group within 10 days. Total number of days with Tour group is 20 days. I have international travel insurance with Kaiser Permanente which will cover my urgent and emergency care. They will also provide transportation cost if it ...
by sil2017
Thu Jan 11, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: more problem with boyfriend's computer
Replies: 9
Views: 1069

Re: more problem with boyfriend's computer

"She mentioned Group Policy, software that companies use to lock down PCs.. which means either some spyware changed settings to make it difficult to run, or that she's running the software in such a way it wasn't intended to be used. Hence the "Nuke it from Orbit, just to make sure" advice." My boyf...
by sil2017
Wed Jan 10, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: more problem with boyfriend's computer
Replies: 9
Views: 1069

Re: more problem with boyfriend's computer

gsmith

It is impossible to prove a negative, but if you feel he's compromised you should change his passwords from a sterile computer. Likely buy a new PC or wipe and reinstall Windows on the old PC. Also R-E-L-A-X.

How do you wipe out and install Windows on the old PC?
by sil2017
Wed Jan 10, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: more problem with boyfriend's computer
Replies: 9
Views: 1069

more problem with boyfriend's computer

Thanks to everyone suggestion on anti virus software for windows 7 premium home edition, I wanted to use windows defender but it was not turned on. When I clicked to turn on, a pop up stated " the program is blocked by group policy. For more information, contact your system administrator ( Error cod...
by sil2017
Wed Jan 10, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: antivirus for windows 7
Replies: 10
Views: 637

Re: antivirus for windows 7

I downloaded version of CC cleaner for my friend and it came with the Free Avast anti virus. Is this good to have?
by sil2017
Wed Jan 10, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: antivirus for windows 7
Replies: 10
Views: 637

antivirus for windows 7

Hope you can help my friend out who has very little knowledge of technology. He has 2 laptops with windows 7. It has the windows defender. Does he need other anti virus or software to keep it safe? Preferably the free one would be best. He does a lot of clicking here and there for free information a...
by sil2017
Fri Jan 05, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 42
Views: 3082

Re: compression sack for sleeping bag, help with calculations please

I received the sea to summit event dry compression sacks in size small and medium from Omcgear online.( best prices) It was a struggle for me to stuff the cat's meow in size medium so I bought 2 more ( size L and M, just in case I need an extra one) I thought of buying the Ultra-Sil dry sack instead...
by sil2017
Thu Jan 04, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: 1098 from B of A, box 7 not checked
Replies: 4
Views: 481

Re: 1098 from B of A, box 7 not checked

Thanks very much.

Would have been simpler for B of A to check box 7
by sil2017
Thu Jan 04, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: 1098 from B of A, box 7 not checked
Replies: 4
Views: 481

1098 from B of A, box 7 not checked

I received my 1098 form on line for 2017 tax year. The payee and street address of payee is correct. However, B of A did not check off box 7 ( is address of property securing mortgage same as Payer's/Borrower's address?). It was left blank. Then in box "8",the same street address is correct MINUS th...