Search found 802 matches

by mariezzz
Sat Sep 21, 2019 2:15 am
Forum: Personal Finance (Not Investing)
Topic: Tax form for Seniors.
Replies: 13
Views: 684

Re: Tax form for Seniors.

It's no longer index-card sized. Wasn't that the primary reason for changing the tax forms in the first place, and taking what was one form and making it about 6?

I'm not against this senior version, just pointing out the irony.
by mariezzz
Sat Sep 21, 2019 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Questions about switching homeowners insurance (logistics); also questions re: Amica quotes
Replies: 0
Views: 74

Questions about switching homeowners insurance (logistics); also questions re: Amica quotes

I'm shopping around for homeowners insurance. I've been with a company whose rates were on the low side but have steadily crept up, and they're not one of the highly rated companies. Compared about 3 years ago and they were still a little lower, so inertia won out. Just comparing rates now. My polic...
by mariezzz
Sun Sep 15, 2019 12:45 am
Forum: Personal Investments
Topic: Are my 403 and 457 worth the fees?
Replies: 28
Views: 1202

Re: Are my 403 and 457 worth the fees?

Have you started looking for another job with better options in the 403/457?
by mariezzz
Sun Sep 15, 2019 12:37 am
Forum: Personal Consumer Issues
Topic: Selling an old player piano and lots of song rolls
Replies: 17
Views: 1232

Re: Selling an old player piano and lots of song rolls

This guy might be a good person to contact http://www.startribune.com/remember-player-pianos-meet-the-millennial-keeping-them-alive-in-minnesota/559505322/ The player piano was one of the earliest computers. Try to give it away to someone who will try to restore it or will use the parts to fix other...
by mariezzz
Fri Sep 13, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Managing joint finances when one is a perfectionist
Replies: 114
Views: 6837

Re: Managing joint finances when one is a perfectionist

I will also say (this should not be applicable to you because you would be managing them) - don't just trust a spouse to manage finances. It isn't that uncommon to hear stories where the money manager says things are going great only to discover when the house is being foreclosed on that they have ...
by mariezzz
Fri Sep 13, 2019 2:06 pm
Forum: Personal Investments
Topic: Late starter - Need help
Replies: 27
Views: 3280

Re: Late starter - Need help

You're not a late-starter at all. Your financial position for your age is acceptable. You're on the right path to ask questions here. Your decision to try to make out 401k is the right thing. As for investments, I'd suggest keep it simple, at least to start with. Look at simpler approaches like the ...
by mariezzz
Fri Sep 13, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Managing joint finances when one is a perfectionist
Replies: 114
Views: 6837

Re: Managing joint finances when one is a perfectionist

As a perfectionist, you should perfectly perceive that perfectionism isn't possible and is counter-productive. Preferable path is to aspire to be proportionately prepared for your particular path. Pragmatism is more productive.
by mariezzz
Tue Sep 10, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 45
Views: 3307

Re: Equifax breach settlement update?

Maybe we should have a "pool" on what the final cash payment will be for all of those getting the cash. Sure does not seem like it will be the $125 projected at some point in the past. My guess: $43.00 :twisted: Very optimistic. My prediction: $12.71. Might still be optimistic. Not even worth the t...
by mariezzz
Tue Sep 10, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 45
Views: 3307

Re: Equifax breach settlement update?

I wonder if they will accept the free creditkarma monitoring I've had for years and still have. Don't know. I would try it and see what happens. I do not know, BUT I really doubt they will go to the trouble and expense of verifying all such certifications. It is clear, though, that they want to "se...
by mariezzz
Sun Sep 08, 2019 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Stand alone personal umbrella
Replies: 7
Views: 1003

Re: Stand alone personal umbrella

Does the state of FL keep an online database of complaints against insurance companies? My state does and Stillwater has a high percentage of complaints compared to other insurance companies. (Stillwater isn't one of the top 10 insurance companies in terms of policies written in my state).
by mariezzz
Sat Sep 07, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Kitces: The Problem with FIREing at 4% and the Need for Flexible Spending Rules
Replies: 230
Views: 15890

Re: Kitces: The Problem with FIREing at 4% and the Need for Flexible Spending Rules

Probably no more than 25% and maybe less. Huh? If I thought that bonds would have 0% real returns over the next 50 years, I wouldn't put a dime in them and would seek alternatives such as rental properties or even 100% stock portfolios. You missed where I said this. If I had no other choice , I wou...
by mariezzz
Wed Sep 04, 2019 2:31 pm
Forum: Investing - Theory, News & General
Topic: Very bad day
Replies: 39
Views: 6014

Re: Very bad day

:sharebeer
LiterallyIronic wrote:
Wed Sep 04, 2019 2:18 pm
goodenyou wrote:
Wed Sep 04, 2019 2:02 pm
Is it a RBD or an RBD?
It's an. It's not based on whether the first letter is a vowel, it's based on whether the word starts with a vowel sound.
by mariezzz
Wed Sep 04, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?
Replies: 20
Views: 1559

Re: HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?

Read the plan documents. If you have been contributing previously (at a job up to starting at this employer) to a 401k/403b, does the 1 yr wait period still apply? A lot of employers will allow such people to contribute. Is this something new? I have never seen this in a 401k other than when a comp...
by mariezzz
Wed Sep 04, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Got a free dehumidifier under warranty after 4.5 years
Replies: 5
Views: 661

Re: Got a free dehumidifier under warranty after 4.5 years

I read an article recently about how poorly dehumidifiers are made these days. Glad you got a free one. I wouldn't advise anyone to buy a new one, given the manufacturing issues. I went looking for the article I read recently and found a 2009 article that essentially says the same thing: http://www....
by mariezzz
Wed Sep 04, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?
Replies: 20
Views: 1559

Re: HELP! New Job Offer Freezes 401k Contributions for 1 year, Alternatives?

Read the plan documents. If you have been contributing previously (at a job up to starting at this employer) to a 401k/403b, does the 1 yr wait period still apply? A lot of employers will allow such people to contribute.
by mariezzz
Wed Sep 04, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Old house with old flooring and no subfloor -- put new flooring on top?
Replies: 13
Views: 1306

Re: Old house with old flooring and no subfloor -- put new flooring on top?

I'd suggest going to a forum like diychatroom.com to get the answer. You may have to filter out some responses there, but there are a lot of very qualified people on there. If you're ever thinking about tile, Jazman on that site knows his stuff.
by mariezzz
Wed Sep 04, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: Very bad day
Replies: 39
Views: 6014

Re: Very bad day

The problem with 'really bad days' (i.e., a trough) is you can only identify them with certainty in hindsight ... quite a long ways after they occur. Because when a 'really bad day' is occurring, you'll be wondering if the next day will be worse. And while you're waiting for them to occur, you'll be...
by mariezzz
Wed Sep 04, 2019 3:02 am
Forum: Personal Consumer Issues
Topic: Alumni donations to help children get into college
Replies: 64
Views: 5353

Re: Alumni donations to help children get into college

LA Times provides some info that may be relevant to the OP: https://www.latimes.com/california/story/2019-09-03/usc-officials-discussed-how-much-parents-would-donate-when-consider-admissions-of-children-records-show In a spreadsheet attached to one of the emails, which included roughly 200 “special ...
by mariezzz
Sat Aug 31, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: Giving the DMV my SS # - safe?
Replies: 24
Views: 1987

Re: Giving the DMV my SS # - safe?

As part of the Real-ID Federal initiative, you have to provide proof of social security number to get a Real-ID compliant Drivers License or State ID Card. Real-ID compliant cards are the only ones that will be allowed as ID to get on an airplane, starting soon. They have a gold star on the front o...
by mariezzz
Sat Aug 31, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Banks requiring fingerprint on a check for non-customers to receive cash
Replies: 87
Views: 5619

Re: Banks requiring fingerprint on a check for non-customers to receive cash

I am very privacy oriented, so this was not something I was willing to tolerate - to each his own. I agree with you on this. Your only recourse is to use your bank (or mobile deposit options, but that's not an option for me - I've request that my checking account not allow internet access at all. (...
by mariezzz
Thu Aug 29, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?
Replies: 26
Views: 1715

Re: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?

It's not that it can't be fixed; they don't want to fix it. Warranty repairs are reimbursed by Honda Corp at a lower rate than retail customers pay. I'd ask the service adviser what the purpose of a warranty is if the car can't be repaired when it's broken. I would document everything. I would then...
by mariezzz
Wed Aug 28, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: American Express continues to ask for my income
Replies: 68
Views: 5422

Re: American Express continues to ask for my income

Well, I decided to go back in, having spent 12 seconds updating my income and assets. The pop up still comes up. Hmmmm, I just verified it. So I decided to be a wise ass. I changed my income to $150 million dollars and my assets at $2 billion dollars. Maybe I'll get a free Grand Pubah edition AMEX ...
by mariezzz
Wed Aug 28, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: American Express continues to ask for my income
Replies: 68
Views: 5422

Re: American Express continues to ask for my income

I, too, find those pop-up questions annoying - other credit cards do this to. I just ignore them.
I have been understating my income on credit card applications for quite a few years now. I don't need a high credit card limit.
by mariezzz
Sun Aug 25, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Agreeing to part ways at job
Replies: 59
Views: 6497

Re: Agreeing to part ways at job

Try as I might, I can't figure out how crossing one's arms could be interpreted as retaliation. People cross their arms for all manner of reasons. I would talk to an independent attorney and not rely on the union. Absolutely agree. They made a mistake in doing that because no reasonable person woul...
by mariezzz
Sun Aug 25, 2019 1:11 am
Forum: Personal Consumer Issues
Topic: Alumni donations to help children get into college
Replies: 64
Views: 5353

Re: Alumni donations to help children get into college

It would be more effective to create at home an environment where learning and hard work are valued. Parents need to model the kinds of behaviors they want their kids to have. That's more likely to increase the chance of admission, through strong grades, strong writing skills (essay), and strong ref...
by mariezzz
Sat Aug 24, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Title Insurance on Refi
Replies: 22
Views: 1405

Re: Title Insurance of REfi

It's not the case that the seller always pays for owners insurance. I think that depends on the state, or possibly even area. I've never seen that on any property I've bought. Title insurance is a pretty big scam in general. The state of IA saw this, and they put into place a much cheaper alternati...
by mariezzz
Fri Aug 23, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Title Insurance on Refi
Replies: 22
Views: 1405

Re: Title Insurance of REfi

Title insurance has two components, lenders and owners insurance. On a purchase, the seller pays for owners insurance. On a refi, owner pays for both. On refis, I skip the owners title. Ownership isn't changing so I didn't see the point to get new owners policy. That doesn’t address my question tho...
by mariezzz
Fri Aug 23, 2019 2:40 pm
Forum: Personal Investments
Topic: When Did You Ease Up On Saving Aggressively?
Replies: 170
Views: 13214

Re: When Did You Ease Up On Saving Aggressively?

I spend what I need. I also save about 50% of my take-home pay. The keyword there is 'need'. I understand the difference between a 'need' and a 'want'. I also 'want' to retire early ... and I 'wanted' to have the financial freedom to walk away from any job that wasn't meeting my needs. I now have th...
by mariezzz
Fri Aug 23, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: temporary attachment to bathtub faucet?
Replies: 17
Views: 833

Re: temporary attachment to bathtub faucet?

Thanks. But I'd prefer not to have the actual plumbing messed with. And neither of those solutions requires modification to the plumbing. One attaches to the end of the faucet with a clamp, and the other right behind the showerhead. We apparently have different definitions of what messing with the ...
by mariezzz
Fri Aug 23, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can Employer Legally charge 401k Plan fees without Disclosing them?
Replies: 11
Views: 939

Re: Can Employer Legally charge 401k Plan fees without Disclosing them?

You also are not required to work at that employer. Perhaps you need to find a better employer. A lot of employers charge some administrative fees (they are required to be up-front about it). However, a fee based on the percentage invested is quite problematic. The burden of administration of your a...
by mariezzz
Fri Aug 23, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8445

Re: Do you sacrifice to save?

It's all a matter of how you frame it. All my years of saving mean that I have the financial freedom to not be tied to a job, I can retire early, and it simplifies my life. Is that sacrificing? I also don't think that the 'others' who would have gotten the money, had I spent it, needed it any more t...
by mariezzz
Fri Aug 23, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: FMLA combined limit for spouses with same employer
Replies: 15
Views: 958

Re: FMLA combined limit for spouses with same employer

My wife and I are both employed by the same company and we recently found out that our employer applies the FMLA 12 week limit to the combined amount of any family medical leave we take, rather than allowing us each 12 weeks as we had been expecting. With aging parents and newborns on the horizon, ...
by mariezzz
Fri Aug 23, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Lawn chemicals - any experts here?
Replies: 37
Views: 2151

Re: Lawn chemicals - any experts here?

Get online and read the reliable literature. Yes, you'll have to filter out a lot of noise. Be aware that when exposure to something causes damage that takes decades to occur, it's very difficult to come up with evidence showing that that 'something' causes health issues. The effect can interact wit...
by mariezzz
Thu Aug 22, 2019 5:02 pm
Forum: Personal Investments
Topic: 401k allocation from previous employer
Replies: 7
Views: 398

Re: 401k allocation from previous employer

Do any administrative fees get paid out of your balance, either annually or quarterly? That may be a relevant factor, esp. if the balance is relatively small. Keeping money in a 401k (could roll over to a current employer if allowed and if fees are low) gives you federal protection against creditors...
by mariezzz
Thu Aug 22, 2019 12:18 pm
Forum: Personal Investments
Topic: 59.5 is approaching and need advice
Replies: 9
Views: 1067

Re: 59.5 is approaching and need advice

You might find that there's an advantage to having multiple IRA accounts. If you have to sell in one account for some reason, but then want to invest in essentially the same fund fairly soon, there are no considerations about frequent trading if the selling and buying happens in different IRA accoun...
by mariezzz
Thu Aug 22, 2019 11:36 am
Forum: Personal Investments
Topic: Should I go 100% index funds
Replies: 22
Views: 2711

Re: Should I go 100% index funds

I know many of you have three funds or even one. I index about half of my portfolio but still have three actively managed funds. What are your opinions on switching the others to VTSAX? This is long term money and in retirement plans. Here are the three I own: Primecap Core VPCCX Fidelity Growth FD...
by mariezzz
Wed Aug 21, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Should I paint dark brown wainscotting?
Replies: 33
Views: 2132

Re: Should I paint dark brown wainscotting?

Thanks for all the suggestions! Keep them coming. So the wife nixed the idea of removing it, too much work and unknowns. I pulled the top rail off to see what was behind, and its nailed to 3/4" plywood, does look like there is drywall behind the plywood but probably not finished. Right now the wife...
by mariezzz
Wed Aug 21, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Hiking in the PNW (Seattle) next weekend. What do I need?
Replies: 29
Views: 1593

Re: Hiking in the PNW (Seattle) next weekend. What do I need?

hi all, this is the hike in question: Lake 22 https://www.wta.org/go-hiking/hikes/lake-22-lake-twenty-two Thanks! Read the recent trip reports on that page. It's in the cascades, so bears are a possibility, as one trip report mentions. Likely will be quite busy on weekends, perhaps less so on a wee...
by mariezzz
Wed Aug 21, 2019 4:16 pm
Forum: Personal Investments
Topic: How do bond ratings degrade during recession?
Replies: 9
Views: 625

Re: How do bond ratings degrade during recession?

I've got a good feel for what might happen to my equities in a severe market correction,....but I have a poorer understanding about how my bonds might react a recession. If I retire early, I want to make sure I've got the safety I am looking for in my b Grabiner's reply is excellent. The take-home ...
by mariezzz
Mon Aug 19, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Chronic Conditions and Wellness Exams
Replies: 24
Views: 1756

Re: Question on Chronic Conditions and Wellness Exams

You could see if a lower level medical practitioner, like a nurse practitioner or physician's assistant, could handle the chronic condition and medication related to that. Visits to them are cheaper than visits to MDs. Might require going to another office - but you could have that chronic condition...
by mariezzz
Mon Aug 19, 2019 10:10 pm
Forum: Personal Investments
Topic: How much does your employer 401k plan charge?
Replies: 43
Views: 2558

Re: How much does your employer 401k plan charge?

I work in a tiny company, just a handful who are in our 401k. The plan charges, on top of the individual ER's for each fund available, a 1.1% plan administration fee that blankets the whole thing. Is this high for a small company 401k plan? 1.1% of what? Your balance in the plan? From what I unders...
by mariezzz
Sun Aug 18, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 10527

Re: Aliens have captured my husband [wants to buy a Porsche]

You may find getting kids in and out of car seats in a porsche hard on the back. I just laugh at the porsche SUVs (not the car mention in OP). An oxymoron if there ever was one. You say you can afford it, so no issue there. I'd say tell your husband to wait 6 months and if he's still fixated on this...
by mariezzz
Sun Aug 18, 2019 12:54 am
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 4473

Re: Brown Bag Lunch Ideas

Sandwiches for lunch are much better if you bring the components and assemble right before eating. Mushy bread is not appealing. Same with lettuce salads - I keep the lettuce separate until right before eating so it doesn't wilt. You can bring deli packets of mustard, mayo, or put in small container...
by mariezzz
Sun Aug 18, 2019 12:14 am
Forum: Personal Consumer Issues
Topic: Neighbor's FIOS cable running over my yard
Replies: 52
Views: 6601

Re: Neighbor's FIOS cable running over my yard

I would put it in writing and send it to corporate headquarters via certified mail. A certified letter will do nothing more than a regular letter will. The fact it is certified means nothing except that proves that the recipient received the envelope that it was mailed in. Verizon may respond or ma...
by mariezzz
Sat Aug 17, 2019 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Derogatory remark on Credit report
Replies: 37
Views: 4786

Re: Derogatory remark on Credit report

This is why there's no good reason to have a BofA credit card, unless you're churning and got either a cash bonus or miles for it. Once you get the bonus, stop using and cancel after a few months more. For something like inaccurate info on a credit report, I'd always send something in writing.
by mariezzz
Sat Aug 17, 2019 11:09 pm
Forum: Personal Consumer Issues
Topic: Could frozen fruit be actually moldy, or am I imagining things?
Replies: 9
Views: 1072

Re: Could frozen fruit be actually moldy, or am I imagining things?

I purchased a bag of organic cherries from Costco, and the bag contained three cherries that tasted just awful. First time I ate a bad one (a week ago), I thought "wth", but went along, only realizing something was wrong afterwards. The next time, I was more alerted to the presence of a cherry that...
by mariezzz
Fri Aug 16, 2019 12:38 pm
Forum: Non-US Investing
Topic: Is small caps necessary ?
Replies: 13
Views: 1889

Re: Is small caps necessary ?

Pepper11 wrote:
Thu Aug 15, 2019 9:03 pm
I am selling them all. They are garbage. About to TLH on all my small caps, and there are plenty of losses! In the red since 2016. Bail while you can.
Buy high, sell low!
by mariezzz
Fri Aug 16, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Neighbor's FIOS cable running over my yard
Replies: 52
Views: 6601

Re: Neighbor's FIOS cable running over my yard

I'm pretty sure there's no easement there but it's not worth getting a lawyer involved. I'll start by calling VZ again and let them know I am not satisfied with their "repair". I think it's since dropped and is even lower now than before. 50 minutes on hold just to talk to a rep, and then that rep ...
by mariezzz
Wed Aug 14, 2019 1:48 pm
Forum: Personal Investments
Topic: Mothers old 403(b)s
Replies: 11
Views: 490

Re: Mothers old 403(b)s

Why are you thinking about converting money to Roth? It doesn't seem like your mother's assets are high enough for this to be a good strategy. I'd suggest starting a new thread with a descriptive title (this current thread doesn't have a descriptive title), laying out her assets, and asking whether ...
by mariezzz
Wed Aug 14, 2019 1:16 pm
Forum: Personal Investments
Topic: Laid off - 59yo - advice please
Replies: 44
Views: 6916

Re: Laid off - 59yo - advice please

Your total portfolio value is decent if you cut expenses. You didn't mention what your FRA SS is. It can be demoralizing to be in the situation you're in, but financially, you're in decent shape. Try not to be demoralized - use this freedom to do things you want to do (and likely couldn't do as much...