Search found 669 matches

by mariezzz
Mon Jun 10, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3068

Re: Good Rx

Wife is on a drug that isn’t covered by her insurance. The combination of GoodRX, Costco, and getting higher dosage pills and splitting them gets her prescription cost down to somewhat reasonable. The biggest savings is from splitting the higher dosage pills, but GoodRX gives her about a 15% discou...
by mariezzz
Sat Jun 08, 2019 7:05 pm
Forum: Investing - Theory, News & General
Topic: What percentage of time does 100% stocks win?
Replies: 52
Views: 6514

Re: What percentage of time does 100% stocks win?

100% of what kind of stocks? VTSAX? (total US) or Total International?
by mariezzz
Thu Jun 06, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8124

Re: Costco or Sam's Club?

The fuller parking lot at Costco might be telling you how the people have voted. Think of the longer walk to get into Costco a chance to get some exercise. I think some pharmacies (Target, Costco, possibly even some Sam's Clubs) might close for a lunch break - it's annoying, but it's probably becaus...
by mariezzz
Thu Jun 06, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4758

Re: Company requiring salaried employees to clock in?

I require my salaried employees to clock in so that theyre not late. They get warnings when theyre late. I find this absurd when the employees are working way more than 8 hours a day anyways. Do your employees leave right on time everyday also? Why not just hire them on as hourly if you treat them ...
by mariezzz
Thu Jun 06, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4758

Re: Company requiring salaried employees to clock in?

Hello all! I work for small manufacturing company and starting next week they are requiring all salaried employees to clock in/clock out. They didn't state a reason why, though I believe its because some people come in late. My first thought was whether it is even legal to do it, but after research...
by mariezzz
Mon Jun 03, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: questions re new roof and house painting
Replies: 15
Views: 1309

Re: questions re new roof and house painting

Can the eaves and joists be painted adequately from the ground? Seems to me they'd miss a lot area to be painted. They certainly can't get to joints fully. I think they'd have to put a ladder up. It's pretty easy to bring in small scaffolding that gets you 6 feet above ground; a person can reach up...
by mariezzz
Mon Jun 03, 2019 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14863

Re: Fun paid jobs after FIRE

This may sound crazy but when I retire I want to work all the jobs I've always wanted to try, even though they pay nothing. I wanna be a cook at McDonald's lol. Or go back to school and get certified as an auto mechanic. I have no clue how to do anything regarding cars and I've always been so impre...
by mariezzz
Mon Jun 03, 2019 6:27 pm
Forum: Personal Investments
Topic: Is VMFXX better than VMMXX now?
Replies: 28
Views: 2714

Re: Is VMFXX better than VMMXX now?

Thanks, but that gives the price per share (always $1), not the 7-day yield. The Price History Search Tool provides both NAV and Yield for Money Market funds and Bond Funds. See example below. https://personal.vanguard.com/us/funds/tools/pricehistorysearch?radio=1&results=get&FundType=VanguardFunds...
by mariezzz
Mon Jun 03, 2019 1:46 pm
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7351

Re: Do you regret taking a pay cut for quality of life?

U.K. based doctor. There are currently lots of tax traps that are hitting NHS doctors causing tax rates of 80% upwards. I haven’t done any additional work for over a year now, and no longer work Fridays. Actually I’m pretty happy about it, although find it sad to see the government eroding the NHS....
by mariezzz
Mon Jun 03, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Recommend a small inexpensive laser printer?
Replies: 39
Views: 2435

Re: Recommend a small inexpensive laser printer?

Thanks Everyone. This was hugely helpful. I took the advice of getting more functions than printing. I got the Brother HLL2390DW (which is an update of the HL2380DW). With tax it all came to about $138 from Amazon. That seems like a good choice for Mom. Thanks again everyone. This site continues to...
by mariezzz
Sat Jun 01, 2019 5:12 pm
Forum: Personal Investments
Topic: Is VMFXX better than VMMXX now?
Replies: 28
Views: 2714

Re: Is VMFXX better than VMMXX now?

Uniballer wrote:
Thu May 30, 2019 4:12 pm
mariezzz wrote:
Thu May 30, 2019 3:51 pm
Does anyone know: is there a place that lists the historical 7-day yield?
Vanguard's Price History Search Tool shows the historical 7-day yield for Money Market Funds.
Thanks, but that gives the price per share (always $1), not the 7-day yield.
by mariezzz
Sat Jun 01, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: How to remove minor scratches from Manufactured Hardwood floors:
Replies: 10
Views: 1084

Re: How to remove minor scratches from Manufactured Hardwood floors:

You're stuck with trying to mask the scratches, as others have mentioned. Refinishing - if you mean sanding & revarnishing - is very difficult with manufactured floors. The finish they put on them is fairly hard, plus there's not much thickness to the actual hardwood. One finish standard has 5 level...
by mariezzz
Sat Jun 01, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14863

Re: Fun paid jobs after FIRE

I've thought about being a substitute teacher after I quit working my "real job." Local school district pays $135 per day, and are always looking for more substitute teachers. - no summer hours - decide each day whether I want to work - no planning stress - school lets out early/mid afternoon. Plen...
by mariezzz
Sat Jun 01, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Best Bank/Lender for 15 year fixed mortgage?
Replies: 15
Views: 1467

Re: Best Bank/Lender for 15 year fixed mortgage?

I was very satisfied with AIMloan.com. Very easy to work with, transparent and delivered the best rate I could find at the time within 30 days. +1. Aimloan employees were very knowledgeable & able to explain things clearly, and responsive - far better than the credit union I had worked with on the ...
by mariezzz
Sat Jun 01, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: Painting Cabinets - Is it that hard ?
Replies: 38
Views: 2936

Re: Painting Cabinets - Is it that hard ?

I agree with the advice below. The only reason not to do this is if the old cabinets doors are made of hardwood & high quality. In that case, if there aren't too many nooks & crannys, I'd strip off whatever they're covered with and start over . You still may have to strip off whatever covers the cab...
by mariezzz
Sat Jun 01, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Older retirees: Are your expenses lower now than in early retirement?
Replies: 49
Views: 6215

Re: Older retirees: Do you have lower expenses now than you did in early retirement?

The problem is, you can be rolling along fine for years and then things change drastically. A friend of mine (mid-80s) was happily living in her own home, living mostly off her pension with normal expenses. An Alzheimers diagnosis last year changed everything. She now has a burn rate over $10K/mont...
by mariezzz
Sat Jun 01, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: questions re new roof and house painting
Replies: 15
Views: 1309

Re: questions re new roof and house painting

You'll get better coverage with a roller and brush. Roll and area then brush it right away. A good brush is crucial (quality of Purdy brushes have dropped a lot in the last couple years). You could hire someone but ... Why not prep & paint it yourself? A little research and due diligence, and you'll...
by mariezzz
Sat Jun 01, 2019 12:03 pm
Forum: Personal Investments
Topic: 8606 - Pro Rata Rule for IRA to Roth IRA Conversions
Replies: 17
Views: 629

Re: 8606 - Pro Rata Rule for IRA to Roth IRA Conversions

2016 contribution can only be made in 2017 for the date you specified (June) if you filed an extension. "Tax-filing extensions do not apply to your IRA contributions, except for SEP-IRA contributions. This means that your contributions must be deposited by your tax filing due date, which is usually...
by mariezzz
Thu May 30, 2019 3:51 pm
Forum: Personal Investments
Topic: Is VMFXX better than VMMXX now?
Replies: 28
Views: 2714

Re: Is VMFXX better than VMMXX now?

Does anyone know: is there a place that lists the historical 7-day yield?
by mariezzz
Thu May 30, 2019 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Over 62 and waiting to claim Social Security? - Potential Fraud alert
Replies: 30
Views: 4282

Re: Over 62 and waiting to claim Social Security? - Potential Fraud alert

What's a tax refund? In the case of federal income tax, a tax refund is when you paid the government more than you owe. This can happen due to withholding requirements. For example, I worked 2 months in 2017 and then retired. My employer withheld federal income tax at a rate that assumed I would ha...
by mariezzz
Thu May 30, 2019 3:26 pm
Forum: Personal Investments
Topic: Pros and cons of leaving funds at TIAA
Replies: 8
Views: 722

Re: Pros and cons of leaving funds at TIAA

I'd make the decision simply based on fees. TIAA can offer very low cost Vanguard options (I have VTSAX at .04%) - but it all depends on whether the employer has chosen to make those options available. If you only have options that are higher ERs (.3% or so or higher), I'd move it. Depending on your...
by mariezzz
Thu May 30, 2019 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: How does TIAA-CREF work?
Replies: 17
Views: 1643

Re: How does TIAA-CREF work?

Some TIAA-CREF plans offer Vanguard options. You could ask the employer to consider adding them - they ERs (about .04%)are far lower than the CREF options TIAA has. You'll be doing everyone at the employer a favor if they do add a few lower fee options. If the options your employer has improve, you ...
by mariezzz
Thu May 30, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14863

Re: Fun paid jobs after FIRE

I've thought about being a substitute teacher after I quit working my "real job." Local school district pays $135 per day, and are always looking for more substitute teachers. - no summer hours - decide each day whether I want to work - no planning stress - school lets out early/mid afternoon. Plen...
by mariezzz
Thu May 30, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14863

Re: Fun paid jobs after FIRE

There are no "jobs" after FIRE. If you have a job, you aren't FIRE'd. Sure, you can have one or many hobbies. If your idea of a hobby is to put on a fancy red vest and play the "expert" at ACE, then more power to you! :beer Many people don't agree with this. For many, FIRE means you have the freedo...
by mariezzz
Thu May 30, 2019 2:45 pm
Forum: Personal Investments
Topic: The Best High Yield Savings Account
Replies: 25
Views: 2183

Re: The Best High Yield Savings Account

There are threads about this at least weekly. I'd suggest doing a few searches to find them.
by mariezzz
Wed May 29, 2019 1:46 am
Forum: Personal Consumer Issues
Topic: What has changed in new home construction over the years?
Replies: 49
Views: 6073

Re: What has changed in new home construction over the years?

A lot of newer houses have OSB for sheathing under the siding (houses built 50+ years ago had solid wood). When that gets wet, it disintegrates, so staying on top of maintenance and painting of the siding is important. This especially applies to the houses that have 4x8 sheets of sheeting with joint...
by mariezzz
Wed May 29, 2019 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Student Loans no longer PSLF eligible
Replies: 5
Views: 989

Re: Student Loans no longer PSLF eligible

After those 4 years, I imagine (and hope) that I'll be making a full attending salary, so my minimum monthly payment amt would shoot up and I may end up paying off the loans before the 120 payments. And if I stick with the PSLF and just pay the minimum amt every month, that's not even touching the ...
by mariezzz
Wed May 29, 2019 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14863

Re: Fun paid jobs after FIRE

There are no "jobs" after FIRE. If you have a job, you aren't FIRE'd. Sure, you can have one or many hobbies. If your idea of a hobby is to put on a fancy red vest and play the "expert" at ACE, then more power to you! :beer Many people don't agree with this. For many, FIRE means you have the freedo...
by mariezzz
Wed May 29, 2019 1:01 am
Forum: Personal Consumer Issues
Topic: Donating my 2002 Toyota Corolla
Replies: 12
Views: 1216

Re: Donating my 2002 Toyota Corolla

in addition to what response above says, I'd get a photocopy or a picture at least of the completed title transfer.
by mariezzz
Tue May 28, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 64058

Re: Name something you had to have and now you regret purchasing it?

Exercise equipment. I refused to acknowledge my home is too small. And I like getting out of the house first. I have spoken with several friends/acquaintances who have purchased treadmills for their home -- and the treadmills became places to hang laundry. I know two people who had religiously used...
by mariezzz
Tue May 28, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 120
Views: 13481

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

Kitces makes the case for a rising equity glidepath in retirement - Vanguard doesn't seem to mention this option. https://www.kitces.com/blog/should-equity-exposure-decrease-in-retirement-or-is-a-rising-equity-glidepath-actually-better/ I'll agree - for the uninformed, TD funds are ok, but I also ag...
by mariezzz
Mon May 27, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning question risk of DNA services with half brother relatives filing against estate
Replies: 48
Views: 3835

Re: Estate Planning question risk of DNA services with half brother relatives filing against estate

I'd suggest editing some of your posts here, esp. the one at 23 May 2019 21:25 (hour may be different in your view) where you list charities you are leaving money to. Be careful about posting too much personal information here. As others have said, it would be worth consulting with an attorney who s...
by mariezzz
Mon May 27, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 7132

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

I drive Volvo SUV’s so I don’t have to over analyze how unsafe the other cars and trucks are. You might more carefully research your assumptions about Volvo's safety. They're decent but there are safer vehicles out there; which depends on the car class. If you buy a car in the top 1/3 of the class ...
by mariezzz
Mon May 27, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly Parent's Home In Need of Major Repairs
Replies: 44
Views: 3830

Re: Elderly Parent's Home In Need of Major Repairs

When does he plan to return to the US? Is anyone living in house now? Sounds like no. What's the hurry to make all these changes now? Once he moves back, he could make the decisions - perhaps with some oversight/advice from children. New roof cost? Is new roof absolutely necessary in next year or 2?...
by mariezzz
Mon May 27, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Port Townsend-Pacific Northwest
Replies: 33
Views: 2549

Re: Port Townsend-Pacific Northwest

I'd consider closer to Vancouver, WA - which puts you close to the Portland Airport - go across the Columbia on 205 and you're close to PDX, so you can miss most Portland traffic. Near Vancouver, WA puts you within decent driving distance of lots of places: Seattle area (2.5 hours if you avoid Seatt...
by mariezzz
Mon May 27, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Using blacklight for cleaning
Replies: 13
Views: 1405

Re: Using blacklight for cleaning

Depends on how OCD you are. Seems excessive to me.
by mariezzz
Mon May 27, 2019 11:54 am
Forum: Investing - Theory, News & General
Topic: What goes wrong after index enlightenment
Replies: 41
Views: 5171

Re: What goes wrong after index enlightenment

I agree with the observation in the quote below, and you see this sort of complicated approach often enough here on BH. However, in some cases, it seems to be a form of 'entertainment' for those who do it. If they enjoy doing all the research and thinking, and it saves them from spending money on so...
by mariezzz
Mon May 27, 2019 11:40 am
Forum: Personal Investments
Topic: Short Term holding suggestions
Replies: 4
Views: 299

Re: Short Term holding suggestions

VMMXX is just barely under 2.5% (2.45%). It's very liquid - just a few days to transfer the money. Not FDIC guaranteed. Little risk though - depends on your risk tolerance whether it's worth an extra .2% on 200K. Rate could drop, but still could the rate of a savings account. If you live in a state ...
by mariezzz
Sat May 25, 2019 12:11 am
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 7132

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

In terms of safety, what really matters is how you drive, and have good tires (and windshield wipers). You can look at Consumer Reports, the insurance organization that rates cars on safety. Look for the cars that are at least decently rated. Compared to just 20 years ago, cars have so many safety f...
by mariezzz
Fri May 24, 2019 11:57 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2123

Re: Fly cross-country with a cat

It saddens me to read some of the responses here from people who seem to disregard the fact that there are enough people who are allergic to cats. I am allergic and would never in my wildest dreams have thought I would have to bring allergy medication with me when I fly. As a matter of fact, once s...
by mariezzz
Fri May 24, 2019 11:51 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2123

Re: Fly cross-country with a cat

Definitely agree with Watty's suggestion about exposing the cat to the carrier in advance. In fact, I'd suggest that all cat owners always leave cat carriers in a place the cat can explore them. I do that with mine. That way, when I take them to the vet, they're familiar with the carrier. My cats li...
by mariezzz
Fri May 24, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2123

Re: Fly cross-country with a cat

There are a lot of people that HATE cats. Hate is a strong word, but they HATE cats. Be prepared for hostility from fellow passengers especially if you're the type that talks to your cat like you would a two year old child. And, rest assured, there are people that HATE screaming kids but are subjec...
by mariezzz
Fri May 24, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2123

Re: Fly cross-country with a cat

I did air travel with a cat for a few years pre 2001, but wouldn't advise it unless absolutely unavoidable these days. It's stressful for most cats. Between added security at the airport (you'll have to take the cat out to show TSA) and packed flights, it's just not worth it. I would be very relucta...
by mariezzz
Fri May 24, 2019 6:16 pm
Forum: Personal Investments
Topic: 5.5% Load 403(b) Roth vs Low Cost Taxable Account
Replies: 81
Views: 3532

Re: 5.5% Load 403(b) Roth vs Low Cost Taxable Account

Since you said this plan is through a school district, and since you said the district isn't interested in changing anything, I'd contact your state senators and representatives. Plus I'd consider contacting the media. Hardworking teachers and staff shouldn't be subject to such front loads. They des...
by mariezzz
Fri May 24, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: PTO -- use it, or cash it out?
Replies: 23
Views: 3326

Re: PTO -- use it, or cash it out?

Color me jealous. If I work more than 40 hours, every hour over 40 is paid $0. I get to work for free. If I don't use vacation time by the end of the year, I lose it. They don't pay it out, it's simply taken away. But that's the private sector. Someone at the top has to get richer somehow so they c...
by mariezzz
Fri May 24, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Grad school financing - hard sciences
Replies: 31
Views: 2591

Re: Grad school financing - hard sciences

one should never pursue a PhD unless its fully funded. And fortunately, the STEM ones usually are. OTOH, MA/MS programs are usually cash cows for the Uni. Sure, the student can apply for a TA position, but those can be competitive. btw: assume 5+ years to complete the PhD. +1. I'd choose the colleg...
by mariezzz
Fri May 24, 2019 3:52 pm
Forum: Investing - Theory, News & General
Topic: Actual Experience as true measure of risk tolerance
Replies: 82
Views: 6261

Re: Actual Experience as true measure of risk tolerance

I think it's worth thinking of ones assets in terms of separate buckets, and paying attention to what happens in each bucket, plus observing one's response to that bucket. It's also important to pay attention to the money that you've actually put in compared to the earnings. I have one fairly large,...
by mariezzz
Fri May 24, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Best bassinet
Replies: 25
Views: 1271

Re: Best bassinet

Start with a crib. You won't use a bassinet long enough to make it worthwhile, unless you expect a whole lot of kids. In Finland they use a standardized paper box, probably a good alternative if you have to have a bassinet. https://www.bbc.com/news/magazine-22751415 Really interesting article on th...
by mariezzz
Fri May 24, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: This rake is the best tool I've bought this week
Replies: 35
Views: 5368

Re: This rake is the best tool I've bought this week

I remember from my childhood that metal rakes always worked better than the plastic ones. I don't get too excited about having a perfect yard, so won't buy a new one, but if I saw a metal rake at a garage sale, I'd grab it. Also agree with a comment that old tools in general worked better. Wooden ha...
by mariezzz
Wed May 15, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6566

Re: Do you reward yourself for achieving a financial goal?

For most BHs, the increased financial security will be its own reward.