Search found 174 matches

by PalmQueen
Thu Jul 23, 2020 12:01 pm
Forum: Investing - Theory, News & General
Topic: Forbes Article - Guide to Investment Grade Bond Funds
Replies: 3
Views: 490

Forbes Article - Guide to Investment Grade Bond Funds

Since there's often discussion about bond fund selection criteria, I thought some folks would find this article useful. https://www.forbes.com/sites/baldwin/2020/07/22/guide-to-investment-grade-bond-funds-best-buys/#473265fa7b5c Per the article: "The funds are sorted by maturity, with the short-dura...
by PalmQueen
Sun Jun 28, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: Techies provide me best practices
Replies: 38
Views: 3481

Re: Techies provide me best practices

As to backup, Google Drive (or any other cloud-based option) is a great first-line strategy. I encourage anyone who is using just the cloud to add some kind of physical back-up device. You could attach an external hard drive to your PC or use a device that backs it up over Wi-Fi so doesn't need to b...
by PalmQueen
Sun Jun 28, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Techies provide me best practices
Replies: 38
Views: 3481

Re: Techies provide me best practices

I am not a techie, but set up a separate email account to use with your financial accounts only. Don't give this email address to anyone besides the companies where you have a bank or brokerage account. What is the benefit of doing this? What form of attack are you seeking to prevent? My primary e-...
by PalmQueen
Tue Jun 16, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 361
Views: 44991

Re: Don't pay full price for SiriusXM radio

If they get their business model together I might consider renewing but this voodoo "some people pay full price and others get it practically for free" situation is not one in which I'm interested in participating. In case you're interested, their web page now has the $60 for 12 month offer for ret...
by PalmQueen
Mon Jun 15, 2020 11:52 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 361
Views: 44991

Re: Don't pay full price for SiriusXM radio

My first year subscription is up later this month, so I've got the dreaded phone call scheduled on the calendar. Do I understand correctly this can now be done on the internet but it's two-steps? First, cancel the existing subscription. Then go back in as a "returning subscriber" to sign up for the...
by PalmQueen
Mon Jun 08, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?
Replies: 41
Views: 2575

Re: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?

Reading these comments about furnace filters, etc. reminds me we had great success drastically decreasing dust by installing a whole house air purifier several years ago. It was attached to the furnace. An online search will give you lots of information about the different kinds. Here's a link from ...
by PalmQueen
Fri Jun 05, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 361
Views: 44991

Re: Don't pay full price for SiriusXM radio

My first year subscription is up later this month, so I've got the dreaded phone call scheduled on the calendar. Do I understand correctly this can now be done on the internet but it's two-steps? First, cancel the existing subscription. Then go back in as a "returning subscriber" to sign up for the...
by PalmQueen
Fri Jun 05, 2020 11:08 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 361
Views: 44991

Re: Don't pay full price for SiriusXM radio

My first year subscription is up later this month, so I've got the dreaded phone call scheduled on the calendar. Do I understand correctly this can now be done on the internet but it's two-steps? First, cancel the existing subscription. Then go back in as a "returning subscriber" to sign up for the ...
by PalmQueen
Sat May 30, 2020 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.
Replies: 70
Views: 6293

Re: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.

... In terms of our IRL/physical usage we use them at the local grocery stores, the 7-11 down the street, brand name gas stations, big national hardware stores, basically nothing that stands out to me as an obvious place that may be the cause for the fraud... Does the 7/11 have a working chip reade...
by PalmQueen
Sat May 23, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10886

Re: Personal spending out of control after Covid-19

Yes, at first my exercise routine went out the window, then I started baking treats and ate them all, ordered groceries online with associated upcharges, delivery fees and tips. Then one day, I just decided I'd had enough of that. I'm guessing today is that day for you. Things I find helpful that ma...
by PalmQueen
Fri May 15, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Help! How to Edit Length of Credit Freeze Lift at Experian
Replies: 6
Views: 270

Re: Help! How to Edit Length of Credit Freeze Lift at Experian

Thanks for the reassurance. I agree it's not a real high risk exposure but feel better hearing that here. 8-)

It really surprised me there isn't an option to cancel or change the length of time as that seems it should be technically easy to program into their system.
by PalmQueen
Fri May 15, 2020 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help! How to Edit Length of Credit Freeze Lift at Experian
Replies: 6
Views: 270

Help! How to Edit Length of Credit Freeze Lift at Experian

Asked DH to lift the freeze on my Experian account for 30 minutes. He did it for 3 days. There doesn't seem to be a way to refreeze it before the 3 days are up. I've been sucked into an endless loop on their website. Haven't found anyway to reach a human being on the phone. Any and all advice apprec...
by PalmQueen
Wed May 13, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 7122

Re: Has Your Spending Changed Since The Shutdown?

arcticpineapplecorp. wrote:
Sun May 10, 2020 4:04 pm
new monthly budget (a joke):
gas $0
clothes $0
entertainment $0
food $2764
+1 8-)
Thanks for the smile. This sums up my budget these days.
by PalmQueen
Sat May 09, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Rocks or Mulch?
Replies: 37
Views: 2107

Re: Rocks or Mulch?

I’m a big fan of boulders, with low lying plants with strong roots in between the boulders. I did this in my yard and it looks good and works good. Boulders the size of a basketball or a little bigger, and some creeping junipers. Then sprinkle the mulch in between. +1 Where's a good place to get la...
by PalmQueen
Sat May 09, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Rocks or Mulch?
Replies: 37
Views: 2107

Re: Rocks or Mulch?

Suggestions for ground cover and plantings are all solid. We once had good results planting a similar slope with creeping junipers. They're low growing and low maintenance. You could just cover the area with them or have them as the main ground cover and add a few accents such as the burning bush yo...
by PalmQueen
Thu Apr 30, 2020 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Will / Trust Question- Home Sale Issue. I need help.
Replies: 31
Views: 1373

Re: Will / Trust Question- Home Sale Issue. I need help.

Welcome to the forum. I encourage you to follow the advice offered above. Many of the posts are written by trusted professionals with years of experience in the estate field. This is great advice! Don't let your mother and aunt pressure you to act quickly. Estates take months, sometimes years, to se...
by PalmQueen
Thu Apr 23, 2020 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Work Hours Reduced and then Furloughed
Replies: 37
Views: 5506

Re: Work Hours Reduced and then Furloughed

I would take all the vacation days you have available and then file for unemployment. If you end up being laid off instead of furloughed, they may not be required to pay you for those days, so you should get the cash while it’s available. I would also not contribute to retirement funds during this ...
by PalmQueen
Fri Apr 17, 2020 12:33 pm
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 6122

Re: How are you exercising with gym closures

Walking in the morning and workout videos in the afternoon.

I like Popsugar Fitness: https://www.popsugar.com/Fitness-Video
by PalmQueen
Wed Mar 25, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Google Drive Question
Replies: 5
Views: 503

Re: Google Drive Question

Not sure why you'd be moving a photo from Google Photos to Google Drive.

Is there a reason you don't just want to store the photo in Google Photos?
by PalmQueen
Wed Mar 18, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138781

Re: Coronavirus (Consumer Issues) How you are preparing?

I have a new twist to add to the discussion - If you're home following all the self-isolation guidelines, what do you do regarding people who regularly come to do things like clean? I'm struggling with this. We can easily maintain a 6' distance. Options I'm debating are - one last cleaning, then con...
by PalmQueen
Mon Mar 16, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Split tops of thumbs--ouch!
Replies: 18
Views: 1168

Re: Split tops of thumbs--ouch!

Yes! I get these in winter and it's extremely painful. For a while I had a theory that it started when I was in high school and had a very mild case of frostbite. A few suggestions I've tried with some relief: Amlactin Rapid Relief Put it on as often as possible. Adhesive tape Sometimes I could wrap...
by PalmQueen
Fri Mar 13, 2020 9:37 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138781

Re: Coronavirus (Consumer Issues) How you are preparing?

I'm in a bit of a quandary and wondering if I am over-reacting. When my nephew called me three weeks ago and said he left his wife and could he stay with me, I said without hesitation yes. He knows he has until June 1 to find another place; I think that is ample time to find an apt. In the meanwhil...
by PalmQueen
Fri Mar 13, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138781

Re: Coronavirus (Consumer Issues) How you are preparing?

I'm in a bit of a quandary and wondering if I am over-reacting. When my nephew called me three weeks ago and said he left his wife and could he stay with me, I said without hesitation yes. He knows he has until June 1 to find another place; I think that is ample time to find an apt. In the meanwhil...
by PalmQueen
Wed Mar 04, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: House on the market in June, move-out in Oct/Nov?
Replies: 25
Views: 2053

Re: House on the market in June, move-out in Oct/Nov?

I am in the process of getting my house ready to be on the market. I already have a condo. I would not put your parents through the stress of getting their house ready to sell sooner. It is very stressful; so much to get rid of; decisions to make on where things are going. I would wait until they a...
by PalmQueen
Sun Mar 01, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138781

Re: Coronavirus (Consumer Issues) How you are preparing?

I doubt there will ever be lines in grocery stores. In Washington DC and the surrounding VA and MD suburbs, there are long lines at the grocery stores and shelves are wiped bare in short order - TP, bottled water and bread especially - whenever 2" of more of snowfall is predicted. That's when these...
by PalmQueen
Fri Feb 28, 2020 6:40 pm
Forum: Personal Investments
Topic: About to invest my inheritances and need guidance before I make this massive decision/invstmant.
Replies: 61
Views: 4757

Re: About to invest my inheritances and need guidance before I make this massive decision/invstmant.

... The stocks I inherited are at Wells Fargo and they are getting stepped up. When I do an account transfer, the stepped up status should remain the same at Vanguard, correct? Or do you think it may lose that somehow if I leave WF? The basis is a matter between you and the IRS. Be certain to save ...
by PalmQueen
Fri Feb 28, 2020 1:42 pm
Forum: Personal Investments
Topic: About to invest my inheritances and need guidance before I make this massive decision/invstmant.
Replies: 61
Views: 4757

Re: About to invest my inheritances and need guidance before I make this massive decision/invstmant.

... The stocks I inherited are at Wells Fargo and they are getting stepped up. When I do an account transfer, the stepped up status should remain the same at Vanguard, correct? Or do you think it may lose that somehow if I leave WF? The basis is a matter between you and the IRS. Be certain to save ...
by PalmQueen
Fri Feb 28, 2020 11:58 am
Forum: Personal Investments
Topic: About to invest my inheritances and need guidance before I make this massive decision/invstmant.
Replies: 61
Views: 4757

Re: About to invest my inheritances and need guidance before I make this massive decision/invstmant.

Before you sell any of the stocks you inherited, confirm the status of their cost basis. Typically, when someone inherits stocks, the cost basis is "stepped up" to the value of the stock on the date of death. So if you sell the stocks, the value is close to the cost basis and any taxes on capital ga...
by PalmQueen
Tue Feb 11, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Retirement: Filling the time?
Replies: 96
Views: 10599

Re: Retirement: Filling the time?

Read Younger Next Year co-written by Chris Crowley and Henry S. Lodge, MD. https://www.amazon.com/Younger-Next-Year-Strong-Beyond/dp/076114773X It explores how to structure your perspective and activities to stay "in the game" throughout life. Dr. Henry S. Lodge provides the scientific data supporti...
by PalmQueen
Thu Jan 23, 2020 5:16 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27527

Re: Sad news: LadyGeek's husband has passed

LadyGeek,
Adding my heartfelt sorrow for your loss.
Thank you for all you do to for this community, who now hope to be able to provide support and comfort to you.
Blessings to you and your family.
by PalmQueen
Fri Jan 03, 2020 5:33 pm
Forum: Personal Investments
Topic: Capital Gains Harvesting - Lots with Largest or Smallest Gains
Replies: 26
Views: 1969

Re: Capital Gains Harvesting - Lots with Largest or Smallest Gains

And whether this is worth doing depends on the difference in expenses and tax costs, and on how long you will keep the funds before you sell them to raise the money. See Paying a tax cost to switch funds on the wiki. The scenario in the worksheet is a great match for my situation. For the first 16 ...
by PalmQueen
Thu Jan 02, 2020 5:35 pm
Forum: Personal Investments
Topic: Capital Gains Harvesting - Lots with Largest or Smallest Gains
Replies: 26
Views: 1969

Re: Capital Gains Harvesting - Lots with Largest or Smallest Gains

Just RIP THE BANDAGE OFF! I was faced with something similar (but probably worse than you). I bought a bunch of stock in the 1980's and in all honesty, after a year or two I had close to zero interest in following the stocks. I couldn't sell the things because of the taxes I would have to pay. In p...
by PalmQueen
Thu Jan 02, 2020 5:26 pm
Forum: Personal Investments
Topic: Capital Gains Harvesting - Lots with Largest or Smallest Gains
Replies: 26
Views: 1969

Re: Capital Gains Harvesting - Lots with Largest or Smallest Gains

And whether this is worth doing depends on the difference in expenses and tax costs, and on how long you will keep the funds before you sell them to raise the money. See Paying a tax cost to switch funds on the wiki. The scenario in the worksheet is a great match for my situation. For the first 16 ...
by PalmQueen
Wed Jan 01, 2020 11:55 pm
Forum: Personal Investments
Topic: Capital Gains Harvesting - Lots with Largest or Smallest Gains
Replies: 26
Views: 1969

Re: Capital Gains Harvesting - Lots with Largest or Smallest Gains

I don't see any point in repurchasing these funds to reset the cost basis. Why are you second guessing yourself about switching to indexes? You don't owe the funds any loyalty just because they were your winners in the past. :wink: I would focus on selling them to further clean up your portfolio. Y...
by PalmQueen
Wed Jan 01, 2020 5:33 pm
Forum: Personal Investments
Topic: Capital Gains Harvesting - Lots with Largest or Smallest Gains
Replies: 26
Views: 1969

Re: Capital Gains Harvesting - Lots with Largest or Smallest Gains

One more small suggestion that can help you clean up your portfolio: If, when you were investing these funds, you were reinvesting dividends and capital gains, your account might be cluttered with lots of small lots. These are good lots to donate to a Donor-Advised Funds (DAF) -- you can get a lot ...
by PalmQueen
Wed Jan 01, 2020 5:04 pm
Forum: Personal Investments
Topic: Capital Gains Harvesting - Lots with Largest or Smallest Gains
Replies: 26
Views: 1969

Re: Capital Gains Harvesting - Lots with Largest or Smallest Gains

It is usually better to sell the shares with lower gains, whether you are harvesting or not. If you are not selling to harvest gains, but to get rid of a fund, selling shares with lower gains allows you to sell more shares, and get rid of more of the fund. If you are selling just to harvest gains, ...
by PalmQueen
Wed Jan 01, 2020 4:56 pm
Forum: Personal Investments
Topic: Capital Gains Harvesting - Lots with Largest or Smallest Gains
Replies: 26
Views: 1969

Re: Capital Gains Harvesting - Lots with Largest or Smallest Gains

Here's a concocted case where avg basis helps: Say you have 1000 shares held long term with an unrealized gain of 20k and also 1000 shares held short term with an unrealized gain of 10k. An emergency has come up and you need to sell 1000 shares today to raise cash. You are in the 35% + 3.8% bracket...
by PalmQueen
Tue Dec 31, 2019 2:40 pm
Forum: Personal Investments
Topic: Capital Gains Harvesting - Lots with Largest or Smallest Gains
Replies: 26
Views: 1969

Re: Capital Gains Harvesting - Lots with Largest or Smallest Gains

Now that I'm looking at capital gains ranging from 25% to 262% with an average of 136%, maybe spreading gains evenly isn't such a bad idea. Could that actually be the strategic play? That would certainly cost me a lot more in taxes than I actually have to pay, so I myself would consider that a terr...
by PalmQueen
Tue Dec 31, 2019 11:25 am
Forum: Personal Investments
Topic: Capital Gains Harvesting - Lots with Largest or Smallest Gains
Replies: 26
Views: 1969

Re: Capital Gains Harvesting - Lots with Largest or Smallest Gains

Thank you for the thoughtful responses. All sound like reasonable options. There's a third approach, which initially didn't appeal to me, but might make sense. Fidelity has this holding set to use the average cost basis. The theory behind that is that it enables one to spread out the capital gains e...
by PalmQueen
Tue Dec 31, 2019 12:45 am
Forum: Personal Investments
Topic: Capital Gains Harvesting - Lots with Largest or Smallest Gains
Replies: 26
Views: 1969

Capital Gains Harvesting - Lots with Largest or Smallest Gains

I've been gradually shifting investments in my taxable account toward a 3-fund portfolio by selling legacy funds with losses or small gains. The early decisions were easy - just sell the losers and enough of the moderate performers to zero-out capital gains. Now it's getting trickier because I'm dow...
by PalmQueen
Mon Dec 30, 2019 12:28 pm
Forum: Personal Investments
Topic: Should I sell my farmland and buy stocks?
Replies: 65
Views: 5406

Re: Should I sell my farmland and buy stocks?

If I were you, I'd do several things. 1st, get a copy of the appraisal, read it, save it. I wonder if perhaps it was for more than the acreage you got? It should answer some of why it seems to be well above average (& yet rent seems in line). You said the inheritance/appraisal was 'several' years a...
by PalmQueen
Sat Dec 28, 2019 8:25 pm
Forum: Personal Investments
Topic: Should I sell my farmland and buy stocks?
Replies: 65
Views: 5406

Re: Should I sell my farmland and buy stocks?

You may live out of state and consider yourself a city person, but as a landowner, my first priority would be to educate myself about issues related to farming in SE South Dakota. An excellent resource is the South Dakota State University Extension Service. https://extension.sdstate.edu/ Spend a bit...
by PalmQueen
Thu Dec 19, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Hospital wants me to prepay for procedure. Normal?
Replies: 84
Views: 23323

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

So at least in our case, no horror stories to report, except having to float the hospital a 4-figure amount for 3 months. Who else should be taking this risk of the insurance not paying? The hospital? It's all about who takes the risk. Not collecting up front means giving you an unsecured loan. The...
by PalmQueen
Thu Dec 19, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Anyone buy a car using Costco Auto?
Replies: 19
Views: 2998

Re: Anyone buy a car using Costco Auto?

I have no experience with Costco's used car program, but had a good outcome buying a new car through them, so think they're worth consideration. Costco worked for me because the make/model car I wanted happened to have a good discount in my area at the time. The discounts the dealers offer through t...
by PalmQueen
Wed Dec 11, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: What to do with old sheets and linens?
Replies: 37
Views: 2852

Re: What to do with old sheets and linens?

Goodwill or any of the other charitable organizations that operate thrift shops or other programs distributing household items to those who need them will find a way to pass these items along to people who will be delighted to have them.
by PalmQueen
Thu Nov 14, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Los Angeles to San Francisco Roadtrip
Replies: 29
Views: 2280

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: 791

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: 84
Views: 23323

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: 6838

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: 4694

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...