Search found 227 matches

by ladycat
Mon Oct 14, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: How to retrieve measuring stick stuck inside oil delivery pipe?
Replies: 29
Views: 1678

Re: How to retrieve measuring stick stuck inside oil delivery pipe?

Could you slide a strong magnet alongside the pipe to bring the stick up to where you could grab it?
by ladycat
Sun Oct 13, 2019 7:37 pm
Forum: Personal Investments
Topic: What’s the point of a taxable account?
Replies: 62
Views: 6774

Re: What’s the point of a taxable account?

Thank you all for the responses. I do have a 401k at work however it is not matched, so I do not contribute to it. A good reason NOT to contribute to a 401k is that it has only expensive and not-great investment options. A match is gravy. I say this as someone who NEVER had a match and ALWAYS maxed...
by ladycat
Thu Oct 10, 2019 9:42 pm
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4296

Re: Disadvantages of a bank signup bonus

I recently opened an account at Simple bank to get the bonus, then realized it wasn't worth the hassle to maintain another account for the relatively small bonus. For those wondering, Simple Finance is offering up to $500. Thumbs up from Doctor of Credit (and me): https://www.doctorofcredit.com/sim...
by ladycat
Thu Oct 10, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4296

Re: Disadvantages of a bank signup bonus

I recently opened an account at Simple bank to get the bonus, then realized it wasn't worth the hassle to maintain another account for the relatively small bonus. For those wondering, Simple Finance is offering up to $500. Thumbs up from Doctor of Credit (and me): https://www.doctorofcredit.com/sim...
by ladycat
Thu Oct 10, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4296

Re: Disadvantages of a bank signup bonus

I recently opened an account at Simple bank to get the bonus, then realized it wasn't worth the hassle to maintain another account for the relatively small bonus. I never funded the account or activated the debit card. Then asked them to close the account. I also couldn't bring myself to do business...
by ladycat
Tue Oct 08, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: NY Times $1 per week digital
Replies: 41
Views: 6002

Re: NY Times $1 per week digital

Feeling grateful that my employer has purchased an institutional digital subscription to both the NYT and WSJ. Anyone with an email address associated with my .edu employer (whether faculty, staff, or student) gets free digital access to both those newspapers. I do pay $5 per month for a personal W...
by ladycat
Mon Oct 07, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Keeping fleas out of the house
Replies: 21
Views: 1432

Re: Keeping fleas out of the house

Fleas on dog & dog in your house means fleas (and flea eggs) will be in your house. The best chance for keeping fleas out of your house is for the dog to be on flea prevention treatment. If there's a medical reason the dog cannot be given flea prevention, you'll need to do A LOT of vacuuming, and do...
by ladycat
Mon Sep 30, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: Ants immune to Terro or just lots of ants?
Replies: 38
Views: 2987

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

Good ol borax. Easy way to make crystals for school science projects. I only buy direct from the silkroad.com website. Their customer service is top notch, they only hire Tibetan monks. RM Yeah, I'm not googling that. I'm trying to staff OFF the no fly list. :happy The laundry police won't mind if ...
by ladycat
Sun Sep 29, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: What is protocol for cleaning house when moving?
Replies: 49
Views: 3374

Re: What is protocol for cleaning house when moving?

Clean everything well. Remove all trash. Neaten up. Do not patch or touch up things. Looks worse. Leave all extra keys, HVAC and other manuals and records, etc, on the kitchen counter. Spare parts for things in the garage. Similar to a tenant move out. J +1. We stacked left-over renovation supplies...
by ladycat
Thu Sep 26, 2019 7:44 pm
Forum: Personal Investments
Topic: Which brokerages can display Personal Portfolio Performance?
Replies: 26
Views: 1740

Re: Which brokerages can display Personal Portfolio Performance?

In my Fidelity account, under the "More" menu tab, there's a "Performance" link. Among other things, there's a chart with YTD, 1, 3, 5, 10 year performance for each account (brokerage, IRA, Roth), and aggregate.
by ladycat
Tue Sep 24, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9494

Re: Physical activity suggestions for a non athletic youth

Is it possible to incorporate more fun activities into your routine? Maybe a monthly "treat" trip to miniature golf, a trampoline park, night-time bowling where they turn on a black light so things glow in the dark, or laser tag place, maybe an arcade with more active games like basketball toss, cor...
by ladycat
Sat Sep 21, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: live close to construction, air purifier recommendation?
Replies: 24
Views: 1892

Re: live close to construction, air purifier recommendation?

We use an older model similar to this: https://www.honeywellstore.com/store/products/honeywell-50250-true-hepa-germ-fighting-allergen-reducer-air-purifier.htm We also have one similar to this: https://www.honeywellstore.com/store/products/hpa300-true-hepa-whole-room-air-purifier-with-allergen-remove...
by ladycat
Fri Sep 20, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Outlook experts question
Replies: 13
Views: 1359

Re: Outlook experts question

Have you tried using "Categorize" (in the Home / Tags menu) ? You can assign each email a category (project) and sort your inbox by category.
by ladycat
Wed Sep 18, 2019 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 29477

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

As for improvements to your situation, you live a favorable climate for year round gardening, own a house and probably enjoy eating good food. Use spare areas of your yard for food production, even the front yard. You needn't go full Dervaes style urban homesteading to yield a meaningful amount of ...
by ladycat
Sun Sep 15, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Improving Lighting in a Dimly Lit Condo
Replies: 26
Views: 1671

Re: Improving Lighting in a Dimly Lit Condo

... I'm coming from a duplex I renovated that has 43 windows and better lighting in the kitchen than an operating room. ... Ok, I have to ask. How do you get 43 windows in a house? :shock: Are they tiny or is an all glass house? Every room in our house has 1 or 2 windows, yet we have only 15 window...
by ladycat
Sat Sep 14, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 29477

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

I'm curious about 2 things:
You said you'll receive Social Security. But there's no Social Security deduction in your expenses. Is that from non-teaching employment?
And I'm guessing you don't pay CA SDI (disability) since you have "Long Term Disability Taken from Paycheck: $30" as an expense.
by ladycat
Fri Sep 13, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: Comic book collection recommendations
Replies: 21
Views: 1639

Re: Comic book collection recommendations

SWtrilogy wrote:
Tue Sep 10, 2019 9:51 am
Hi all! First time poster but long term lurker!

I am trying to help a nephew who inherited a rather large comic book collection (~30,000) several months ago.

Sent you a PM
by ladycat
Fri Sep 13, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: What dish soap do you use?
Replies: 54
Views: 3222

Re: What dish soap do you use?

+1 for Dawn.
I also add some to the kitchen hand soap dispenser (typically SoftSoap) to help cut grease and not be so "moisturizing".
by ladycat
Wed Sep 11, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4559

Re: Best Dog Car?

I bought a Outback for my 2 large dogs, but it was a mistake. I think that I should've bought a minivan where I could fold back the rear row, and remove the middle seats (which most minivans now offer ?). The advantages here are that there is lots of room for the dogs if you go on a drive longer th...
by ladycat
Wed Sep 11, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4559

Re: Best Dog Car?

Greyhound? Serious question: We just acquired a couple of smaller dogs and are in the early stages of buying a new vehicle. Other than enough space for crates, easy in/out from the crates, and enough room for our other travel gear, what makes a particular vehicle a good "dog car"? It seems to me th...
by ladycat
Wed Sep 11, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4559

Re: Best Dog Car?

I'd not be comfortable putting a dog in the bed of a truck, both for climate and safety reasons. I would be concerned about overheating due to sun exposure or heat building up in the crate. Also, if the bed liner is dark, there's a lot of heat absorbed & radiated off the bed of the truck. We see a l...
by ladycat
Tue Sep 10, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Comic book collection recommendations
Replies: 21
Views: 1639

Re: Comic book collection recommendations

You could visit the CGC comics chat board. There are a lot of collectors and dealers there who can give good advice and give you a general idea of value. https://www.cgccomics.com/boards/ You'll need to have general information about what's in the boxes (how old, and a sampling of the titles) when y...
by ladycat
Tue Sep 10, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up a Fidelity Inherited IRA & Automatic RMD Withdrawals - online or by mail?
Replies: 4
Views: 290

Re: Setting up a Fidelity Inherited IRA & Automatic RMD Withdrawals - online or by mail?

I have inherited accounts at Fidelity. The original accounts were at Fido, so getting them set up was easy. Their online RMD process is straightforward and easy. Their inheritor services people would be a good place to start with questions. https://www.fidelity.com/life-events/inheritance/understand...
by ladycat
Thu Sep 05, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Stressed Over Money 25 Yr. Old
Replies: 65
Views: 5168

Re: Stressed Over Money 25 Yr. Old

When I read posts like yours, I think to start asking '"why?". And once you have an answer, ask "why" again. Then again. Basically a root cause analysis of your stress / concerns. Are you concerned that you are not knowledgeable enough to budget, save, invest your money? Just because you have a lot ...
by ladycat
Mon Sep 02, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Life Expectancy For Those Born in 1960
Replies: 26
Views: 2320

Re: Life Expectancy For Those Born in 1960

Tools like these are unscientific, but fun. If I drank more, I'd live longer. :sharebeer
https://www.blueprintincome.com/tools/l ... ll-i-live/
Insurance & SSA actuary tables are probably more accurate, if you can find the info.
by ladycat
Sat Aug 31, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: Providing information when opening a new brokerage account
Replies: 6
Views: 694

Re: Providing information when opening a new brokerage account

When I opened my Fidelity account, I gave a generic employer (the state), not the specific agency. There's no way they could have verified that. I also select categories I'm comfortable with when disclosing my income level or specific occupation (i.e. close, but not accurate).
by ladycat
Sat Aug 31, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Co-sponsoring an immigrant's sick family member [Updated]
Replies: 47
Views: 4664

Re: Co-sponsoring an immigrant's sick family member

Maybe Juan could look into some type of medical charity to obtain care for his child, either in the US or abroad.
by ladycat
Wed Aug 28, 2019 1:40 pm
Forum: Investing - Theory, News & General
Topic: I don't like Bonds because I
Replies: 31
Views: 2761

Re: I don't like Bonds because I

Admiral wrote:
Wed Aug 28, 2019 12:12 pm
9/10. The junk bonds question threw me off my game! Poorly worded. :mrgreen:
+1 I got #9 wrong (junk bonds) so it's good I don't invest in them.
by ladycat
Sat Aug 24, 2019 5:41 pm
Forum: Personal Investments
Topic: Is CPOAX (Morgan Stanley Insight) the best growth fund out there?
Replies: 40
Views: 2406

Re: Is CPOAX (Morgan Stanley Insight) the best growth fund out there?

It's not "Boglehead" of me, but I've had a sizable chunk of TRBCX (T. Rowe Blue Chip Growth) in my Roth for a long time and I've been happy with it. (ER 0.7). The fund you mention appears more volatile, and has double the expense ratio (ER 1.15). It wouldn't be "the best" for me because I would neve...
by ladycat
Thu Aug 22, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity login security
Replies: 21
Views: 2268

Re: Fidelity login security

I have lockdown "on" for all accounts, and only turn it off when I do the annual RMD to move money from IRAs into brokerage. Maybe its a false sense of security, but it gives me the warm fuzzies to hope the accounts are better protected. I'm trying to get the warm fuzzies, but I don't see ANY benef...
by ladycat
Thu Aug 22, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity login security
Replies: 21
Views: 2268

Re: Fidelity login security

I just got an email about this option. But if someone hacked your account login in order to send money out, they could just turnoff lockdown. What's the point? When I turn lockdown on/off, I receive an email alerting me to the change. If someone hacked my account, they'd have to change my alerts & ...
by ladycat
Thu Aug 22, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity login security
Replies: 21
Views: 2268

Re: Fidelity login security

I just got an email about this option. But if someone hacked your account login in order to send money out, they could just turnoff lockdown. What's the point? When I turn lockdown on/off, I receive an email alerting me to the change. If someone hacked my account, they'd have to change my alerts or...
by ladycat
Sun Aug 18, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 7411

Re: Moving from Bay area, CA to Knoxville, TN

Hi, I have been thinking about moving out of San Francisco bay area for quite some years due to high living cost [OT comment removed by admin LadyGeek] . Now I have a job offer from Tenessee. I think it is financially a big loss to accept the offer. But I would get some opinions here anyway in case...
by ladycat
Wed Aug 14, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Skunks keep coming in our yard!
Replies: 44
Views: 3201

Re: Skunks keep coming in our yard!

I watched the skunk leave and was amazed at how small of a hole he was able to retreat from under the bottom of my fence. I'm guessing I may need to trench out the entire section of fence and put some type of chicken-wire mesh to hopefully keep him out. That's essentially what we did. Luckily 80% o...
by ladycat
Tue Aug 13, 2019 10:29 am
Forum: Personal Investments
Topic: VTI vs. FSKAX for Taxable Account
Replies: 14
Views: 1751

Re: VTI vs. FSKAX for Taxable Account

Looking at https://www.ishares.com/us/products/239724/ishares-core-sp-total-us-stock-market-etf doesn't this show for 2019 ITOT had a distribution of $0.357 (not yet classified as dividend or cap. gain)? FSKAX had slightly higher distributions of $0.244 (dividend) and $0.127 (cap gain) for a total ...
by ladycat
Tue Aug 13, 2019 12:35 am
Forum: Personal Investments
Topic: VTI vs. FSKAX for Taxable Account
Replies: 14
Views: 1751

Re: VTI vs. FSKAX for Taxable Account

Looking at https://www.ishares.com/us/products/239724/ishares-core-sp-total-us-stock-market-etf doesn't this show for 2019 ITOT had a distribution of $0.357 (not yet classified as dividend or cap. gain)? FSKAX had slightly higher distributions of $0.244 (dividend) and $0.127 (cap gain) for a total o...
by ladycat
Sun Aug 04, 2019 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7730

Re: Financial anxiety and next steps in relationship

As much as I hate to say it, you should be extremely cautious. If you do get married you should have a prenup which protects you. I can’t imagine spending that much on a degree paying 60k a year. At 34, that seems like a very high debt compared to a relatively moderate income potential (web search ...
by ladycat
Sun Aug 04, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Are we considered House poor?
Replies: 21
Views: 3539

Re: Are we considered House poor?

Can you still save for retirement, college, next car, etc? Can you spend on some luxuries/wants? +1. You're only house poor if you can't afford the rest of your life the way you want. We paid 26% of our monthly net income for the mortgage (and another 10% for property tax). But we had a 10-year mor...
by ladycat
Fri Aug 02, 2019 12:15 am
Forum: Personal Consumer Issues
Topic: How to best obtain vehicle for older parents?
Replies: 20
Views: 1608

Re: How to best obtain vehicle for older parents?

They may also want to get a brand they are familiar with. Learning a new windshield wiper system, headlight controls, or touch-screen controls for everything may be distracting and frustrating.
by ladycat
Thu Jul 25, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 149
Views: 14088

Re: Equifax settlement: how to file claim?

$125 or free credit monitoring? What are people going to pick? I personally would pick the former - but I just couldn't click the button for it because there is a statement saying you are certifying you already have monitoring (I blame my Christian upbringing). Since the settlement isn't final yet ...
by ladycat
Wed Jul 24, 2019 8:48 pm
Forum: Personal Investments
Topic: Good CD Rates Over the Long Haul
Replies: 13
Views: 1790

Re: Good CD Rates Over the Long Haul

Barclay's has been decent. I have a 1-year CD maturing at the end of the month that was 2.4% The current APY for a 1-year CD listed on their website is 2.45% https://www.banking.barclaysus.com/online-cds.html
by ladycat
Wed Jul 24, 2019 8:25 pm
Forum: Personal Investments
Topic: Update from when you helped this physician newbie
Replies: 72
Views: 8971

Re: Update from when you helped this physician newbie

I sent you a private message regarding the google spreadsheet. I was looking at your budget categories and comparing it to ours. What I didn't see in yours were the following categories: Property Tax & Homeowners Insurance (Maybe that’s included in your Mortgage category) Home Maintenance. We set as...
by ladycat
Wed Jul 24, 2019 12:48 am
Forum: Personal Investments
Topic: Update from when you helped this physician newbie
Replies: 72
Views: 8971

Re: Update from when you helped this physician newbie

I was looking again at your spreadsheet and noticed your guitar repair and lessons were categorized as both hobby and as education. If you're doing a deep dive on your spending & budget, categorizing things consistently will help. I've been tracking our expenses for years and always lumped anything ...
by ladycat
Tue Jul 23, 2019 7:56 pm
Forum: Personal Investments
Topic: Update from when you helped this physician newbie
Replies: 72
Views: 8971

Re: Update from when you helped this physician newbie

Thanks again all. I appreciate them all, even the hard ones. That's what the forum is for, I believe. So much good feedback. To clarify a few things from my post and feedback posts : 3. How do I learn to prioritize non-essential spending? As a doctor, you've already learned how to prioritize. :D If...
by ladycat
Fri Jul 19, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Is Sacramento Affordable--Under $400K Family Home?
Replies: 14
Views: 2073

Re: Is Sacramento Affordable--Under $400K Family Home?

EvelynM wrote:
Fri Jul 19, 2019 10:03 am
When we moved to CA, we checked out Sacramento because that's where my husband was working. But fortunately, someone told us about Davis and how fantastic it is for kids,....
Davis is wonderful (I lived there for many years). But finding a house under $400,000 will be a challenge.
by ladycat
Fri Jul 19, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 8823

Re: Do you buy cellphone outright or pay over 2 years?

Just made the last payment on our two phones. It was $20/month for 30 months (0% financing). We got a good deal purchasing from Best Buy: $50 off both phones and $100 gift cards with both phones. We saved $300 and didn't have to spend $1200 in one month on phones. But I am looking forward to next mo...