Search found 129 matches

by PalmQueen
Thu Nov 14, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Los Angeles to San Francisco Roadtrip
Replies: 29
Views: 2055

Re: Los Angeles to San Francisco Roadtrip

One thing to keep in mind is that if you drive up Highway 1 along the California coast that is a long slow drive that will eat up a lot of time. Depending on how much time you need to spend in San Francisco and Los Angeles that might not leave you with a lot of time to enjoy the coast. If you don't...
by PalmQueen
Tue Nov 05, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: First year QCD close to New Year's Eve
Replies: 11
Views: 711

Re: First year QCD close to New Year's Eve

My understanding is that it's the date on the check that matters for QCDs. The date the recipient organization receives or cashes the check is irrelevant. If you'd like to make QCDs in 2019, I suggest speaking with your brokerage about making that happen. Fidelity and Vanguard, both need minimal lea...
by PalmQueen
Fri Oct 04, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: Hospital wants me to prepay for procedure. Normal?
Replies: 67
Views: 19682

Re: Hospital wants me to prepay for procedure. Normal?

Several years ago I had surgery at a major teaching hospital in town. The afternoon before the surgery the hospital called informing me I had to bring something like $12,000 with me or they wouldn't do the procedure. I told them I had insurance and had already maxed-out my out-of-pocket for the year...
by PalmQueen
Tue Oct 01, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Ants immune to Terro or just lots of ants?
Replies: 38
Views: 3108

Re: Ants immune to Terro or just lots of ants?

A few weeks ago we discovered ants having a party on the outside of our kitchen cabinets. I checked online for remedies, but didn't have all the ingredients on hand. What I did have on hand was Mrs. Meyer's Clean Day Multi-Surface Cleaner in Basil scent . I had read ants follow the scent of the lead...
by PalmQueen
Sat Sep 28, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Going to a wedding party
Replies: 48
Views: 4409

Re: Going to a wedding party

If this is the first American wedding for the OP the most important thing that hasn't changed much over the years is the value of the wedding gift should equal (or exceed) the cost of the reception. The reception could be anything from a small, modest affair to be held in the church hall with no al...
by PalmQueen
Fri Aug 30, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Baby Gift Suggestions
Replies: 14
Views: 771

Re: Baby Gift Suggestions

Thanks to you all for helping provide inspiration for ideas!

I'm leaning toward something all the children will be able to enjoy.

The family lives out of state, so this will be shipped to them, not hand-delivered.

Keep these ideas coming! They're great.
by PalmQueen
Thu Aug 29, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: Baby Gift Suggestions
Replies: 14
Views: 771

Baby Gift Suggestions

Hello! A friend of the family just welcomed their third baby boy into their family. I'm really interested in any advice you all have for a gift to celebrate this happy news. At this point, I expect they already have all the gear and lots of cute little boy outfits. Anyone have a suggestion of someth...
by PalmQueen
Mon Aug 26, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Wedding stuff
Replies: 19
Views: 1959

Re: Wedding stuff

If your preference is potted plants, Chrysanthemums will likely be in season and readily available in NoVa in mid September. For fun, you could choose a way to send one home with someone at each table. I'd probably use a post-it to put a number on the bottom of each pot and have guests guess a numbe...
by PalmQueen
Thu Aug 15, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: October in Minnesota
Replies: 37
Views: 2287

Re: October in Minnesota

Thank you nordsteve for including Lakewood Cemetery on the list. It's really a special place for history, architecture and enjoying the great outdoors. I recommend going anytime for a self-guided tour. OP just may be there to catch their Fall Colors at Lakewood on October 13. More info here: https:/...
by PalmQueen
Wed Aug 14, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: October in Minnesota
Replies: 37
Views: 2287

Re: October in Minnesota

A few more to add to your options - The new US Bank Stadium (Home of the MN Vikings) offers public tours. You need to make a reservation online in advance: https://www.usbankstadium.com/tours There's nothing better than Big 10 football in an outdoor stadium on a crisp fall day: Good timing on your p...
by PalmQueen
Sat Aug 10, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Photo retouching services
Replies: 12
Views: 992

Re: Photo retouching services

Here's a source for photo restoration and quality printing:

North Coast Photographic Services
https://northcoastphoto.com
by PalmQueen
Wed Jul 31, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Photo retouching services
Replies: 12
Views: 992

Re: Photo retouching services

I am a bit surprised at the number of people recommending that I learn and use Photoshop myself. I am quite intimidated by that software! Wouldn't it be a very steep learning curve? To give you a sense of what I want in terms of the end result, take a look at the second photo in the first row of th...
by PalmQueen
Thu Jul 25, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 6434

Re: Thank you notes,,, out of favor these days?

. It's one thing to write a nice note for an unexpected one-off kindness. It's another to have a pile of 50+ notes to write after a major life event. Let's see - for weddings, if the average gift is a low-ball $50, that's $2500 spent for 50 gifts. [A more typical $100 per gift would be $5000]. Thes...
by PalmQueen
Tue Jul 23, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 6434

Re: Thank you notes,,, out of favor these days?

Doom&Gloom wrote:
Tue Jul 23, 2019 3:36 pm
Seems very parent-dependent to me.
Agreed and just a suggestion to the parents of young children reading this thread. If when your children are young, you encourage (require) them to make simple thank you notes for gifts they receive, you'll be gifting them a lifelong social skill.
by PalmQueen
Sat Jul 13, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Alternatives to car rental for three months?
Replies: 57
Views: 4438

Re: Alternatives to car rental for three months?

Thanks everyone. As a quick update: (1) Airport vs. non-airport rental . There does not seem to be a meaningful difference in price between these two options. In our area (nearest airport is RDU), the cost to rent from the local town branch of Enterprise is $1,116 for a full-size car for one month ...
by PalmQueen
Sat Jun 29, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Tired of being authorized user on credit cards - opening my own
Replies: 24
Views: 1921

Re: Tired of being authorized user on credit cards - opening my own

Every credit check is a ding to your credit score. Given scores may take 30-60 days to update to the bureaus, your best course of action is to apply for each card immediately after the other as your credit will be pristine. This also minimizes the length of time the credit check affects your score ...
by PalmQueen
Fri Jun 28, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Tired of being authorized user on credit cards - opening my own
Replies: 24
Views: 1921

Re: Tired of being authorized user on credit cards - opening my own

Does it really matter? Is it really worth your time to worry about this? What is the downside to keeping the status quo? If the primary cardholder dies, the authorized user no longer has a credit card. Yes, they can apply for a new one, but in the interim they wouldn't even be able to charge a tank...
by PalmQueen
Thu Jun 27, 2019 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tired of being authorized user on credit cards - opening my own
Replies: 24
Views: 1921

Re: Tired of being authorized user on credit cards - opening my own

My wife and I just learned she has been an authorized user rather than a joint owner on our two main credit cards. ... We called BoA and we were able to add my wife as a joint owner on our cards in one phone call. This is exactly the situation we have except joint accounts aren't offered on our car...
by PalmQueen
Thu Jun 27, 2019 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tired of being authorized user on credit cards - opening my own
Replies: 24
Views: 1921

Re: Tired of being authorized user on credit cards - opening my own

Get a credit card. Get another if you want. Don't overthink it. Rule 1 is pay off in full every month, rule 2 is don't have an annual fee if you can avoid it. Option 3 (not required) is to find one with a reward system that works for you. Good advice. I feel like I should space out the applications...
by PalmQueen
Thu Jun 27, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tired of being authorized user on credit cards - opening my own
Replies: 24
Views: 1921

Re: Tired of being authorized user on credit cards - opening my own

My wife and I just learned she has been an authorized user rather than a joint owner on our two main credit cards. We have had them for twenty years or more and I guess we just forgot we originally applied for them in my name. The cards are both issued by Bank of America. We each have cards with ou...
by PalmQueen
Thu Jun 27, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tired of being authorized user on credit cards - opening my own
Replies: 24
Views: 1921

Tired of being authorized user on credit cards - opening my own

It's come to my attention that the credit cards I've held jointly for years with my DH aren't joint accounts. He's the primary card holder and in the eyes of the issuer, I'm just some random authorized user. Time to fix that! My plan is to open 2 new cards where I'll be primary account holder, proba...
by PalmQueen
Thu Jun 27, 2019 10:39 am
Forum: Personal Investments
Topic: I Inherited a Trust, Please Help Me Find A Trustee
Replies: 12
Views: 1795

Re: I Inherited a Trust, Please Help Me Find A Trustee

I'm so sorry for your loss. In my (not an attorney) opinion, whoever drafted your father's trust documents put his heirs in a position in which it is impossible to implement the terms of the trust. I agree with previous posters that the best course of action would be to have the courts remove the co...
by PalmQueen
Mon Jun 17, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 69
Views: 4756

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

I pay the same price, about $800, for progressives every couple of years from our local, semi-rural optician. Why? Because the glasses are the best I've ever had. Like you, I add on ALL the options to get thin lenses, choose the best glass, etc etc. The reason is that I was shocked the first time I...
by PalmQueen
Wed Jun 12, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: Invisalign braces
Replies: 5
Views: 998

Re: Invisalign braces

I'd suggest your dad consult an orthodontist rather than his dentist for Invisalign. There's an art to getting it right and orthodontists have years of specialized training in the field. Cost seems to be the same but results and attention to detail friends and family have experienced has been better...
by PalmQueen
Tue Jun 04, 2019 11:02 pm
Forum: Personal Consumer Issues
Topic: Reliable Wireless Mouse?
Replies: 31
Views: 1672

Re: Reliable Wireless Mouse?

Logitech Performance Plus Wireless Mouse from Costco - Normally $27 / Currently $17
https://www.costco.com/Logitech-Perform ... 96338.html

I purchased it on a whim a few months ago to replace an aging corded Microsoft mouse.

So far, so good.
by PalmQueen
Sat Jun 01, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: SiriusXM Free Trial [on my new car] Ends Today
Replies: 27
Views: 2049

Re: SiriusXM Free Trial [on my new car] Ends Today

Thank you for sharing your strategies and experiences. Great variety and creative ideas here! For now, I'm in a holding pattern. I expect I'll get on the intro rate merry-go-round once I sort out what tactic I want to use that doesn't involve a regular credit card number. Meanwhile, I'll roll with m...
by PalmQueen
Fri May 31, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: SiriusXM Free Trial [on my new car] Ends Today
Replies: 27
Views: 2049

Re: SiriusXM Free Trial Ends Today

I would use a virtual credit card number from Bank of America or Citibank. If you don’t have a credit account with either, just use a Sirius XM gift card with the amount of your choice. I never knew that was an option. Thanks! Edited to add- criticalmass: Sorry I didn't use the abbreviated quote fu...
by PalmQueen
Fri May 31, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: SiriusXM Free Trial [on my new car] Ends Today
Replies: 27
Views: 2049

Re: SiriusXM Free Trial Ends Today

Or just remember to call as soon as your price period expires. Call too early, and they will start a new subscription or end the existing one. Call too late and they will have already charged--which is still okay because you can get that fixed, but more hassle. I haven't found this to be true. With...
by PalmQueen
Fri May 31, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: SiriusXM Free Trial [on my new car] Ends Today
Replies: 27
Views: 2049

Re: SiriusXM Free Trial [on my new car] Ends Today

Another option is to get the digital/streaming subscription to use your phone. I really like Sirius, particularly the SiriusXMU indie rock channel. My grip with satellite is that the sound quality is really bad. By going with the streaming plan, you can access the music everywhere (phones, home, TV...
by PalmQueen
Fri May 31, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: SiriusXM Free Trial [on my new car] Ends Today
Replies: 27
Views: 2049

Re: SiriusXM Free Trial Ends Today

What do you get for $99? I got the All Access package for that price which includes streaming from computers and smartphones. That was the best offer for All Access and I went without the radio for an extended time. ( I also got a free Echo Dot but that was a special promotion.) Also know that the ...
by PalmQueen
Fri May 31, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: SiriusXM Free Trial [on my new car] Ends Today
Replies: 27
Views: 2049

SiriusXM Free Trial [on my new car] Ends Today

The trial SiriusXM subscription that came with my new car ends today. I know I could get by just fine without continuing it, but enjoy it enough to be willing to pay a reasonable amount to subscribe. Of the offers received so far, $99 for the first year seems the best. Of course, at the end of the y...
by PalmQueen
Wed May 22, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: Epson Perfection v750, v800 or v850 Scanner?
Replies: 8
Views: 551

Re: Epson Perfection v750, v800 or v850 Scanner?

I don't have any of those particular models, but I do have the Epson Perfection V600, and I think it does a very, very good job. +1 on the V600 scanner I just set it up last week so don't have a lot of experience, but so far so good. I got it to replace an HP ScanJet G4050 because while that model ...
by PalmQueen
Thu May 09, 2019 4:57 pm
Forum: Personal Investments
Topic: Brokerages with no-transaction fees for Vanguard funds
Replies: 36
Views: 3114

Re: Brokerages with no-transaction fees for Vanguard funds

In the Fidelity/Schwab world, ETFs are just $4.95/trade and you can likely score free trades based on your transfer of new funds. Fidelity currently offers 300 trades for $50,000 - $99,000 and 500 trades for $100,000+. Schwab usually has something similar. MFs are where it gets tricky. Commission at...
by PalmQueen
Thu May 09, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Am I out of line to request a refund for dental work that hasn't been done?
Replies: 43
Views: 3664

Re: Am I out of line to request a refund for dental work that hasn't been done?

You mentioned in your original post that you've reached the maximum coverage with your insurance for this year.
I'm wondering whether there might be a way to delay the new treatment until after Jan 1, 2020.

Might be a better outcome than pulling the tooth.
by PalmQueen
Tue Apr 30, 2019 4:56 pm
Forum: Personal Investments
Topic: Getting out of Schwab Intelligent Portfolio
Replies: 11
Views: 1628

Re: Getting out of Schwab Intelligent Portfolio

It doesn't need to be all or nothing.
You could do an experiment:
Transfer out 50% of the SIP into a self-managed brokerage account.
Leave 50% in the SIP.

Then compare performance at 6 months and 12 months.
by PalmQueen
Tue Apr 30, 2019 10:54 am
Forum: Personal Investments
Topic: Getting out of Schwab Intelligent Portfolio
Replies: 11
Views: 1628

Re: Getting out of Schwab Intelligent Portfolio

I don't think you need to sell everything. My understanding is that you just ask Schwab to convert the holdings to a regular account. That way you can unwind strategically. For the record, I did a bit of research on SIPs and found the ETFs they use all have low ERs for their category. Also I've hear...
by PalmQueen
Wed Apr 24, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 35
Views: 3814

Re: Teeth Whitening

I got the trays made by my dentist years ago when over-the-counter options were limited. All the young people in the office had these sparkling white smiles. I thought maybe it was thanks to improved childhood nutrition. Turns out in their world this is something everyone does. Your dentist's recomm...
by PalmQueen
Mon Apr 08, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Dentist Question
Replies: 18
Views: 1588

Re: Dentist Question

There are a lot of things going on here that make me skeptical you're getting the best care from the "popular" dentist. First, it's common for regular dental check-up/cleaning appointments to be booked months in advance any day of the week. My dentist books these regular appointments 3-6 months out....
by PalmQueen
Tue Apr 02, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Probate Question Re Credit Cards
Replies: 36
Views: 2384

Re: Probate Question Re Credit Cards

So sorry for your loss and your situation. You may find a lot of your answers in: The Executor's Guide to Settling a Loved One's Estate or Trust Published by NOLO, Written by Mary Randolph, J.D. It's updated annually and will give you an accurate overview of how the process works. It won't replace t...
by PalmQueen
Fri Mar 22, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Selling land - best approach?
Replies: 15
Views: 1437

Re: Selling land - best approach?

A good place to start would be by chatting with the county tax assessor's office. Questions - How does tax assessment correlate with market prices? What has been the price trend for actual sales of similar parcels in the past year? What is the zoning? Any plans for rezoning in the future? Any insigh...
by PalmQueen
Mon Mar 18, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Visiting Tucson, AZ for 3 days - what to see?
Replies: 46
Views: 2069

Re: Visiting Tucson, AZ for 3 days - what to see?

If you'll be anywhere around the University of Arizona area, the USS Arizona Mall Memorial is worth visiting.
http://www.ussarizonamallmemorial.org/
by PalmQueen
Wed Mar 13, 2019 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I give more money to a family member?
Replies: 107
Views: 7268

Re: Should I give more money to a family member?

Anyway, when he died, he left me everything, (except one other policy that he placed in my little sister's name) and a will that stated I should "reimburse" myself, then use the left over money and split it equally between the three of us sisters. I would follow your father's instructions. Your fat...
by PalmQueen
Wed Mar 06, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Photo/video storage options
Replies: 11
Views: 654

Re: Photo/video storage options

Three things... One: I urge you to have your photos/videos automatically stored somewhere besides your phone and computer hard drive. I use Google Photos so can give step-by-step for it: Get a free Google account if you don't already have one Install Google Drive/Photos on your Mac Download Google P...
by PalmQueen
Wed Feb 27, 2019 12:04 am
Forum: Personal Investments
Topic: Moving from Fidelity to Edward Jones
Replies: 26
Views: 3467

Re: Moving from Fidelity to Edward Jones

Prize-worthy subject line.
This is the 8th response but over 700 people read your post in just 2 hours.

Thanks for your post with hard numbers to back up a good decision.
by PalmQueen
Tue Feb 19, 2019 12:09 am
Forum: Personal Consumer Issues
Topic: CCRCs - problems with the transition process to higher care levels?
Replies: 39
Views: 2808

Re: CCRCs - problems with the transition process to higher care levels?

newstreetnj wrote:
Mon Feb 18, 2019 9:28 pm
I do want to add that a CCRC that is owned and run by those living in it is better than a for-profit.
This has been my observation as well. And if not owned by the residents, then associated with/overseen by religious or other not-for-profit organizations.
by PalmQueen
Mon Feb 18, 2019 12:15 am
Forum: Personal Consumer Issues
Topic: CCRCs - problems with the transition process to higher care levels?
Replies: 39
Views: 2808

Re: CCRCs - problems with the transition process to higher care levels?

visualguy wrote:
Sun Feb 17, 2019 11:58 pm
Right, but what do you do if the agreement has a clause that says that the CCRC is allowed to determine the level of care? Try to find another CCRC that doesn't have such a clause?
Pretty sure they'll all have a clause to that effect. Some may be more inclined to abuse that power than others.
by PalmQueen
Sun Feb 17, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: CCRCs - problems with the transition process to higher care levels?
Replies: 39
Views: 2808

Re: CCRCs - problems with the transition process to higher care levels?

Another potential scenario, which happens more than you might imagine, is that administrators push residents into higher levels of care against their wishes in order to free up desirable independent living units for new customers. Check out this article - https://www.sandiegouniontribune.com/lifest...
by PalmQueen
Sun Feb 17, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: CCRCs - problems with the transition process to higher care levels?
Replies: 39
Views: 2808

Re: CCRCs - problems with the transition process to higher care levels?

Another potential scenario, which happens more than you might imagine, is that administrators push residents into higher levels of care against their wishes in order to free up desirable independent living units for new customers. Check out this article - https://www.sandiegouniontribune.com/lifesty...
by PalmQueen
Tue Feb 12, 2019 12:11 pm
Forum: Investing - Theory, News & General
Topic: Dividends etfs
Replies: 9
Views: 1022

Re: Dividends etfs

Getting back to the OP's question - If you're looking specifically at dividend-focused funds, check out: SCHD - Schwab US Dividend Equity ETF VYM - Vanguard Whitehall High Dividend Yield ETF They track different indexes, but results are very similar. I'm using them to counter-balance some tech-heavy...
by PalmQueen
Mon Feb 11, 2019 8:07 pm
Forum: Investing - Theory, News & General
Topic: Dividends etfs
Replies: 9
Views: 1022

Re: Dividends etfs

Is there an efficient way to identify what % of a fund's dividends are qualified? (I'm not referring to the required holding period, just the classification.) I haven't consistently seen this listed anywhere other than on fact sheets for etf.com. Thanks! Google is pretty darn efficient if you restr...