Search found 244 matches

by Determined
Mon Sep 10, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: I think my father has a gambling problem
Replies: 78
Views: 6653

Re: I think my father has a gambling problem

If Dad feels you disapprove, he will be secretive. If you take interest in his hobby, you will likely see a change if it becomes a problem. The upside is you will have something to talk about even it is not your preference. I was married to a sports gambler. I saw all aspects of it. He hit the phase...
by Determined
Sun Sep 02, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 30
Views: 2977

Re: Fully maxed out

Yes. I am head of household earning about $110,000.
457
403b
HSA family
Roth IRA
529 $2000 for the maximum state tax deduction
by Determined
Sat Aug 25, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Cheaters or prescription bifocals
Replies: 22
Views: 1447

Re: Cheaters or prescription bifocals

I used "cheaters" until I got tired of keeping track of them and decided it would be better to keep glasses on all the time. I went with progressive lenses but the top was essentially non prescription at first. Years later I have a little astigmatism so that correction is in three now. Once you nee...
by Determined
Sat Aug 25, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Cheaters or prescription bifocals
Replies: 22
Views: 1447

Re: Cheaters or prescription bifocals

PRMECP wrote:
Sat Aug 25, 2018 7:46 pm
Go see an eye doctor.
Lol. Yes. I am planning to.
by Determined
Sat Aug 25, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Cheaters or prescription bifocals
Replies: 22
Views: 1447

Cheaters or prescription bifocals

I started using inexpensive cheaters (1.00 strength) earlier this year. They are fine when I am reading, and have them down at the tip of my nose. When I am at the computer or playing piano and need to look out, then everything is blurry because I didn't move them first. Do I simply need to get used...
by Determined
Sun Aug 19, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13566

Re: Teachers Who Have Net Worth of $1 million +

I know some really well-off retired teachers, but I would say that the biggest disadvantage current educators have is that as a whole we seem to be very under-educated about investing. Possibly as soon as someone hears the word "pension" they just turn off and figure "it's covered". All the compani...
by Determined
Sun Aug 19, 2018 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Apartment Decision After Divorce- Please evaluate my thinking
Replies: 33
Views: 3374

Re: Apartment Decision After Divorce- Please evaluate my thinking

If the beams are made in concrete the sound from steps is not a problem in most cases. Sound of voices and music horizontally is a bigger problem in my experience. If I divorced I would also go with smallest (cheapest) apartment in child friendly area for the first move. and I would get a murphy be...
by Determined
Sat Aug 18, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 27
Views: 2391

Re: Braces: Keeping cost down and insurance questions.

My son had his consultation this week. We only have one insurance plan, so trying to get lifetime maximum out of two doesn't apply. Here's how this one bteaks down. Cost of orthodontics. $3800 Expected insurance adjustment - $1800 Discount for paying upfront. -$500 Total $1500 I will elect $1500 int...
by Determined
Fri Aug 17, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score mysteriously dropped
Replies: 10
Views: 1117

Re: Credit Score mysteriously dropped

Check your credit reports for errors. You're entitled to one free report per year at freecreditreport.com It's mandated by law so that's not a free trial type of thing. Check all 3 reports: Experian, Equifax, and Trans Union. It's also more helpful (but slower and more hassle) to get paper reports ...
by Determined
Fri Aug 17, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score mysteriously dropped
Replies: 10
Views: 1117

Re: Credit Score mysteriously dropped

The notification came from Nerdwalket, but I checked it with my Discover. I don't obsess over it, however I am looking for a house. Whenever I have needed to check it, it has been over 800. There has been a lot of activity and new accounts since my mom passes 20 months ago. It just doesn't make sens...
by Determined
Fri Aug 17, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score mysteriously dropped
Replies: 10
Views: 1117

Credit Score mysteriously dropped

I received a notification that my credit score dropped 40 points! I am mystified. It's been in the 800s. I did have to open two trust accounts in the last two weeks, but they are at a bank where I have other established accounts. Do I call and ask? The last hard pull was 6 months ago
by Determined
Thu Aug 16, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2908

Re: Sign - Speed checked by Radar

My son just got a ticket notice in the mail yesterday. 66 in a 50 with photos of his platers. There is an affidavit you can submit if it wasn't you driving. In my state you throw those in the trash. A process server may attempt to serve you (~50% chance). So, you don't answer your door for about tw...
by Determined
Thu Aug 16, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2908

Re: Sign - Speed checked by Radar

My son just got a ticket notice in the mail yesterday. 66 in a 50 with photos of his platers. There is an affidavit you can submit if it wasn't you driving.
by Determined
Wed Aug 15, 2018 6:07 am
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2458

Re: Travel over thanksgiving holiday, drive or fly?

I live in the Northwestern part of Ohio. My daughter goes to school in Manhattan. We have traveled by car, train, bus, and plane. I have not drive and then taken a train from NJ. All of them have their time and place I would not take a car into NYC that weekend, period. I flew with one child to Mont...
by Determined
Sat Aug 11, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6753

Re: Paper checks yes or no?

Update. I decided to open an online checking account with Discover since I already have a savings account there. I will move everything there from the rewards checking I am closing. I still have my brick and mortar account that basically pays my mortgage. Next time my brother gives me grief about st...
by Determined
Fri Aug 10, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6753

Re: Paper checks yes or no?

I am glad to hear many thanks for your you using checks. My brother likes to hassle me. As I read, the are a few other random things I use checks for. Where I am banking does not have free checks, but it's not worth it to me to open a new account online because I am trying to streamline with the bus...
by Determined
Fri Aug 10, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6753

Paper checks yes or no?

I am in the process of moving my checking account to a different bank. I already have the second account, but I don't use it for anything except paying my mortgage. I want to close the local rewards checking because there the interest rate is no longer worth it. I pay everything online, autopay, bil...
by Determined
Fri Aug 03, 2018 5:57 am
Forum: Personal Finance (Not Investing)
Topic: SBA vs conventional loan
Replies: 2
Views: 215

Re: SBA vs conventional loan

SBA loans have a couple of up front fees paid at or before closing as well as the guarantee fee on top of the banks regular fee. SBA loans that include property are more favorable with both up front fees as well as rate and terms. The singular reason to change would be more favorable rates when com...
by Determined
Thu Aug 02, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: SBA vs conventional loan
Replies: 2
Views: 215

SBA vs conventional loan

My brother and I inherited, but do not run, my father's small business. Today I met the commercial banker. We took a look at the SBA loans which are prime +2.75%. One of them will end in April 2020. The other (mortgage) goes until 2030 although we have been paying an extra 30% on it for the last eig...
by Determined
Thu Jul 26, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Advice For Friend Going Through Divorce
Replies: 25
Views: 3467

Re: Advice For Friend Going Through Divorce

My ex took $30,000 from the home equity line and lost it all gambling. This was actually a month before I filed and was the final straw. It was classified as wasteful dissipation, and the assets were divided to make up for his decision. This was significant in our financial situation. Our total earn...
by Determined
Sun Jul 22, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Real salary growth negative?
Replies: 45
Views: 4679

Re: Real salary growth negative?

if there continues to be a progression in her benefits then that should be taken into account also. The most likely being larger steps in the vesting for pensions. Speaking as a public school teacher for 25 years, this in unlikely. Benefits for us best hold steady, but they eventually go down. Full...
by Determined
Sat Jul 21, 2018 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: At what level of wealth should you start setting up a Trust?
Replies: 14
Views: 2233

Re: At what level of wealth should you start setting up a Trust?

You can also use a simple revocable trust to pass assets directly to heirs without going through the probate process. This is what I did last year. My parents had almost everything in a trust. It made things way easier. In the course of three years I lost both parents and got divorced. I have a min...
by Determined
Fri Jul 20, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Bank account decision
Replies: 7
Views: 931

Re: Bank account decision

Kevin M Thank you for your insight. The rental account will be a separate account and just needs to be a basic checking. I know the kasasa has outlived it's usefulness. I have gone through some major financial changes Iver the past few years. I only used this local bank. I have been putting off chan...
by Determined
Fri Jul 20, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Bank account decision
Replies: 7
Views: 931

Re: Bank account decision

Jack FFR1846 wrote:
Fri Jul 20, 2018 1:05 pm
I don't like to jump through hoops.

I'd use Schwab/Cap One 360/Discover.....one of those....there are a million of them.
I have a Discover Savings account. I will look into that.
by Determined
Fri Jul 20, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Bank account decision
Replies: 7
Views: 931

Bank account decision

I have been using a local bank with a kasasa checking account for a very long time. It is my primary account for paychecks and expenses. I keep a $15,000 emergency fund there as it pays 1.71%. It used to pay more with a higher limit, but until recently, it was still a pretty good deal. The kasasa re...
by Determined
Thu Jul 19, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 7997

Re: What is your Take Home Pay / Gross Pay ratio?

I have life insurance from my mother that I am using to offset all the tax deferrals so my take home is 17% Insurance, pension contribution, maximum 403b and 457, $1200 to HSA to get employer match in a savings account, 24% bracket Edit: The 403b contribution maxes out in August. Then it will be mor...
by Determined
Sat Jul 14, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 27
Views: 2391

Re: Braces: Keeping cost down and insurance questions.

One insurance is primary, the other can be secondary. You won't be able to switch and get the coverage twice. I have no experience with opting for a different coverage that pays more. My third child will get them next year. I have an HSA, but once I get the estimate next month, I will use a limited ...
by Determined
Sat Jul 07, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Addition on a condo
Replies: 7
Views: 604

Re: Addition on a condo

They are not separate structures. I share one side wall with an interior unit. The more I think about it, the less plaisible it sounds.
by Determined
Sat Jul 07, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Addition on a condo
Replies: 7
Views: 604

Re: Addition on a condo

Good point about the maintenance of all of the exterior.
by Determined
Sat Jul 07, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Addition on a condo
Replies: 7
Views: 604

Addition on a condo

I live in a three condo unit in a residential neighborhood of single family homes. My fiance started to discuss the possibility of adding on yo the main living space. I live in a small town, and housing options have been extremely limited. The three homes we have considered in three months all need ...
by Determined
Fri Jul 06, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3759

Re: Anyone Tried Costco Travel Packages?

My friends took one to Key West last month and highly recommended the service. I don't know anymore than that.
by Determined
Sat Jun 30, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 56
Views: 3933

Re: Adding a trust to your homeowner's policy

I'm going to make an appointment to talk to the lawyer who wrote up my trust and will years ago to ask her about this, particularly the umbrella policy. I am thinking that the safest thing may be to take the house out of the trust, since my will has a provision that moves everything not in the trus...
by Determined
Mon Jun 18, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Where to purchase an used clarinet for a student - Amazon vs. store?
Replies: 14
Views: 838

Re: Where to purchase an used clarinet for a student - Amazon vs. store?

You have several people with real experience in this area to guide you. Stick with a similar Yamaha brand. I would contact the band director or the summer private teacher about the Amazon purchase. They will be honest about whether they see it as reputable. What makes them nervous are Chinese import...
by Determined
Mon Jun 18, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: How to prioritize 457, Roth/Regular 403 b and Roth IRA
Replies: 8
Views: 764

Re: How to prioritize 457, Roth/Regular 403 b and Roth IRA

That 403(b) sounds pretty good. I'd contribute to that, as it's through Vanguard with low fees. The 457 I'm going to guess is a ripoff (they many times are), and your salary's not high enough to maximize both. Do you also have to contribute to a pension plan? If no, congratulations--max the 403(b),...
by Determined
Fri Jun 15, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2373

Re: House that was in trust is actually in estate

Another update. Our lawyer has not contacted the title office. The title office in Florida offered to refer me to someone who can do the probate in Florida. I went back through emails to see where things went awry. The appraisal of the home from last March was written in the name of her estate. When...
by Determined
Thu Jun 14, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2373

Re: House that was in trust is actually in estate

Such a common problem. Everybody that has a trust should double check their assets while they are alive and especially if they did a re-fi as banks used to always take houses out of trusts and often the title company didn't put it back in. In California there is a law called a "Heggstad petition" f...
by Determined
Wed Jun 13, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2373

Re: House that was in trust is actually in estate

Such a common problem. Everybody that has a trust should double check their assets while they are alive and especially if they did a re-fi as banks used to always take houses out of trusts and often the title company didn't put it back in. In California there is a law called a "Heggstad petition" f...
by Determined
Tue Jun 12, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2373

Re: House that was in trust is actually in estate

If it is in the estate, her will says it has to go to trust. Aghh! Well, then, it is in the trust. Show the will to the title company. My will has a provision like this, anything I own that is not in the trust when I die, goes into the trust. You do not have a problem. Thanks. I already put the tit...
by Determined
Tue Jun 12, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2373

Re: House that was in trust is actually in estate

shawndoggy wrote:
Tue Jun 12, 2018 5:17 pm
Why out of trust for refi if mortgage is in the name of the trust?
We don't know. It's what the title person told me who is handling stuff in Florida for the buyer. It's a private sale.
by Determined
Tue Jun 12, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2373

Re: House that was in trust is actually in estate

My dad had a business and they had condo in Ohio where I am. The condo and a few other things went through probate here. The business was in a trust in his name. Everything else was put in her name. The attorney already had a list of what was isupposedly in trust. He had no idea or reason to think t...
by Determined
Tue Jun 12, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: House that was in trust is actually in estate
Replies: 22
Views: 2373

House that was in trust is actually in estate

I am venting about a frustrating situation that I just discovered. My father had cancer and died in 2014. He and my mom took care of a lot of things, and most everything was moved into a trust in my mom's name. Mom died unexpectedly last year. We are selling her Florida home and have a buyer. I am t...
by Determined
Mon Jun 11, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: How and what age to start piano lessons?
Replies: 13
Views: 1246

Re: How and what age to start piano lessons?

I do not teach lessons, but I teach music prek-2 and do a lot of piano accompanying in the community. Age- Around here most teachers prefer students to be around second grade when reading skills are in place. However, if a child is asking you at five, then I would pursue it. If you can, find a teach...
by Determined
Sun Jun 10, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: How much to invest in elementary education?
Replies: 37
Views: 2723

Re: How much to invest in elementary education?

What grade is she entering? Kindergarten. So it's not like she'll be learning rocket science but I also don't want her be bored and uninspired. And we have the means to spend more on great education. We'll likely stay put and try the current school but am interested in the feedback I didn't want to...
by Determined
Sun Jun 10, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: How much to invest in elementary education?
Replies: 37
Views: 2723

Re: How much to invest in elementary education?

What grade is she entering?
by Determined
Sat Jun 09, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 32
Views: 3063

Re: College: extraneous expenses

College meal plans really vary. Some have a cash value. Some have different tiers for a certain number of meals. Some let you carry over each semester. My son's school didn't offer breakfast. They had apartment style dorms, and found most students didn't eat there. My daughter spends a lot on food b...
by Determined
Fri Jun 08, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Switching car insurance agents
Replies: 15
Views: 1505

Re: Switching car insurance agents

After sending another email and leaving another message, I checked my policy just in case he actually removed the car from the insurance. He had not. I have the email dated May 21 informing him the car is no longer titled to me. I called Farmers national number, had the car removed and my so removed...
by Determined
Thu Jun 07, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Switching car insurance agents
Replies: 15
Views: 1505

Re: Switching car insurance agents

if you have a broker for home insurance/umbrella/whatever , you could try giving them a call. my home insurance broker/agent has dug up the best rates for me and I usually change annually if its more than $100 or so. he makes money, i save money - its a good deal for everyone. whenever I have tried...
by Determined
Thu Jun 07, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: How to help 12 year old learn about business/investing
Replies: 14
Views: 1182

Re: How to help 12 year old learn about business/investing

I completely understand this and unfortunately have first hand experience with the dangers of this. His dad has an addictive personality. He did some damage thinking he could beat the market but ultimately sports betting became his focus. Continuing to help him understand finances for his age is sti...
by Determined
Thu Jun 07, 2018 1:27 am
Forum: Personal Finance (Not Investing)
Topic: How to help 12 year old learn about business/investing
Replies: 14
Views: 1182

Re: How to help 12 year old learn about business/investing

I think the problem you may run into is that investing, if you do it right, is SUPPOSED to be boring. Anything that makes it seem fun or exciting (e.g. treating it like a game, where you can 'beat' the other players if you have enough skill) could teach exactly the wrong lesson. It's like the diffe...
by Determined
Wed Jun 06, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to help 12 year old learn about business/investing
Replies: 14
Views: 1182

Re: How to help 12 year old learn about business/investing

Have him absorb these for math https://www.amazon.com/dp/1941234100/ref=sspa_dk_detail_4?psc=1 I apologize if I came off as a parent who thinks their child is beyond all others. He is not a prodigy. I have normal kids who happen to test well. I just was trying to make that point that he is more tha...