Search found 191 matches

by ladycat
Sun Aug 18, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 72
Views: 3823

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: 30
Views: 2236

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: 1463

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: 1463

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: 7262

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: 3426

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: 1470

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: 130
Views: 10994

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: 1676

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: 6907

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: 6907

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: 6907

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: 1979

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: 8157

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...
by ladycat
Thu Jul 18, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Is Sacramento Affordable--Under $400K Family Home?
Replies: 14
Views: 1979

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

So yes, it's possible. But it's VERY hot in the summer; today, its expected high is 89 degrees. Expect to pay $$$ for AC and electric. A home with solar already installed would be a good criterion. Depends on whether the house electric is serviced by SMUD or PG&E. SMUD rates are signifinantly lower...
by ladycat
Thu Jul 18, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Is Sacramento Affordable--Under $400K Family Home?
Replies: 14
Views: 1979

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

Definately doable. Your future job location may be a big factor in where you want to live / commute.
Search Zillow from Elk Grove to Roseville/Rocklin, West Sacramento to Folsom. If job is in north sac, Woodland could also be an option. If working in Roseville, Auburn becomes an option.
by ladycat
Fri Jul 12, 2019 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited ira
Replies: 21
Views: 1706

Re: Inherited ira

When my siblings and I inherited an IRA from my mother, we chose what I think is equivalent to your option #1. The custodian (Fidelity) split mom's IRA into separate accounts (one for each sibling). It's titled: Fidelity Inherited IRA <my name> - IRA BDA - (ORIGINAL DEPOSITOR <mom's name> ) If you c...
by ladycat
Thu Jul 11, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: 2016 Car with only 11,000 miles?
Replies: 32
Views: 3060

Re: 2016 Car with only 11,000 miles?

I have a 2017 vehicle with 5k on it. I don't see an issue. I gave my son my last car a 2004 with 30k on it. It happens :sharebeer Oh drat. I was going to post about one of our cars, the 2004 that is slowly approaching 50k miles. You win! :D It's a Volvo XC90, and looks almost new; never had childre...
by ladycat
Thu Jul 11, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 7863

Re: Has anyone inherited a obligation/burden/responsibility?

ETA: there are also some small possessions that are spelled out who they go to, so there's no fighting about that either. Anyone know what do to with unwanted furs??? :? Contact bornfreeusa.org and ask if they accept furs or know of an organization that does. Furs make comfy blankets for rescued wi...
by ladycat
Tue Jul 09, 2019 7:52 pm
Forum: Personal Investments
Topic: Bond Side (sub) Allocations. @@ What Do You Have? Why? Why Not?
Replies: 36
Views: 2066

Re: Bond Side (sub) Allocations. @@ What Do You Have? Why? Why Not?

I have about 40% of my portfolio in fixed income. Of that: 42% CDs & Tbills 33% Schwab short-term bond SWSBX and CDs with >1 year maturity. 25% Schwab Aggregate Bond SWAGX Why - Because I'm still learning and I don't feel fully educated or comfortable with bond funds. Last year I realized my nearly ...
by ladycat
Tue Jul 09, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Hair Conditioner Similar to Revlon Flex with Balsam
Replies: 1
Views: 190

Re: Hair Conditioner Similar to Revlon Flex with Balsam

You might like Loreal Elvive. It's very conditioning & detangling.
by ladycat
Mon Jul 08, 2019 11:33 pm
Forum: Personal Consumer Issues
Topic: Best Practices for longer-term house guests?
Replies: 35
Views: 3407

Re: Best Practices for longer-term house guests?

Has anyone encountered to opposite situation? Where guests you would like very much to host - decline such an invitation because they do not want to inconvenience the hosts? It's very rare for DH and I to stay at anyone's home, including family. We'll spend multiple days doing activities with them,...
by ladycat
Sun Jul 07, 2019 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any place you can buy a house for 50k west of Kansas?
Replies: 27
Views: 3844

Re: Is there any place you can buy a house for 50k west of Kansas?

Go to Zillow.com, draw a circle around a state, and search for homes <$50,000.
by ladycat
Thu Jul 04, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: bike for 79 year old man
Replies: 26
Views: 2151

Re: bike for 79 year old man

This "low step" bike comes in different frame sizes to suit your height. There are several models to choose from.
Biria Low Step Easy Boarding
https://www.bikemania.biz/bicycles/low- ... board.html
You could probably have it delivered to a local bike shop for assembly.
by ladycat
Tue Jul 02, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: how do couples work together on home finance
Replies: 60
Views: 4668

Re: how do couples work together on home finance

Hello All, My husband and I frequently visit bogleheads forums and have found very useful information here. I am in a situation for a while now and would like to hear about how other couples handle their finances together. Do you both sit together on a regular basis and go over some/any numbers.. I...
by ladycat
Fri Jun 21, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6891

Re: How to avoid high vet bills?

I'm a veterinarian, so I have some room to chime in here. I did start to read through everyone's replies, but I'm at the point where I'm done doing my job for free. So here goes: Basic health care for animals includes the following: Annual to tri-annual rabies and distemper (techinically distemper/...
by ladycat
Mon Jun 17, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 6891

Re: How to avoid high vet bills?

A friend of mine has spent a lot on one of his dogs. The dog has cataract surgery. The dog is also diabetic - so needs daily insulin shots. :dollar :dollar :dollar I’m one who believes that dogs are not disposable, but given the current price of insulin, I’m not sure I could do that. 20 years ago w...
by ladycat
Tue Jun 11, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4236

Re: Tips for new pet owner

Finding a vet you trust and have a good with rapport is important, whether that be at a smaller private practice or a large animal hospital. Recommendations from the breeder, friends, & neighbors will be a good start. I travel 25 miles to my vet, despite having 50-100 to choose from within 10 miles....
by ladycat
Fri Jun 07, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Alternative to USPS
Replies: 22
Views: 1836

Re: Alternative to USPS

We weren't able to file electronically, so we mailed our tax returns via USPS certified mail and our California state one hasn't been delivered. On the tracking, it just says in transit and will be late. Apparently people who've had this come up as a status on their tracking have waited months, and...
by ladycat
Fri Jun 07, 2019 1:03 am
Forum: Personal Investments
Topic: Chewy IPO
Replies: 43
Views: 3394

Re: Chewy IPO

We've used Chewy for 3 years and have never received a shipment that has been damaged. Makes me wonder if someone locally is damaging your shipments. Do other retailers have damaged goods when you order? Chewy has multiple fulfillment centers (I'm on the West coast), but I've heard from other pet o...
by ladycat
Thu Jun 06, 2019 11:23 pm
Forum: Personal Investments
Topic: Chewy IPO
Replies: 43
Views: 3394

Re: Chewy IPO

They're a "feel good" pet supplies fulfillment center that reminds me of the Saturn car brand. They have problems, but they're very nice when resolving issues. I get a Christmas card from them and other pet owners have received condolence cards after the death of a pet. They seem to have shifted the...
by ladycat
Wed May 29, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning - can I require only RMDs for inherited Roth IRA?
Replies: 46
Views: 2331

Re: Estate planning - can I require only RMDs for inherited Roth IRA?

If you're willing for a potentially large amount of your estate to go to your alma mater, why are you handcuffing your children (and possible next generation) in terms of RMD only? Are you concerned they will be irresponsible or wasteful with the inheritance? What if they, or one of their children h...
by ladycat
Wed May 29, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Advising young adult on pharma career-Phd?
Replies: 19
Views: 1758

Re: Advising young adult on pharma career-Phd?

In my experience, an M.S. will be of little value. I have a M.S. in toxicology with years of "mouse" and cellular lab experience focusing on neurotoxicology. I was competing (unsuccessfully) for mid-level research positions against DVM+PhD candidates who were making less than I was at their post-doc...
by ladycat
Wed May 29, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 15450

Re: Can we afford to pay for our kid's college (at all)?

OP, Why not post YOUR ideas about how to fund your son's college (amount & method)? What will you require of him financially (i.e. require a part time job, not "hope" for one), what consequences son faces in terms of your funding college if son continues to spend frivolously, incurs credit card debt...
by ladycat
Fri May 10, 2019 10:16 am
Forum: Personal Investments
Topic: Brokered CDs - how to pick
Replies: 21
Views: 1863

Re: Brokered CDs - how to pick

I always purchase new issues that are not callable. I double check the start & maturity dates. They'll group the 11, 12, 13, 14 month cd-s in the "1 year" category, then if you just look at the highest rate, you may have selected a 14 month CD thinking it's a 1-year CD. I make sure I'm using that b...
by ladycat
Tue May 07, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Ideas for Inexpensive, Easy-to-Prepare Meals for First Time College-Age Student Cook
Replies: 15
Views: 1050

Re: Ideas for Inexpensive, Easy-to-Prepare Meals for First Time College-Age Student Cook

Google "easy inexpensive dinners" and you'll get lots of ideas like https://www.campbells.com/kitchen/recip ... y-dinners/ that use soups & mixes so you dont need individual spices. It may be a good start for someone who is learning to cook.
by ladycat
Tue Apr 30, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9917

Re: EXTREMELY frugal things from our paernets and grandparents

Grandparents never had cell phones. :D .... In the 1940s, my dad bought his first electric starter tractor, Allis Chalmers C,( https://www.machinerypete.com/details/under-40-hp/1945/allis-chalmers/c/19401018 ) and vacuum milking machines. Small world. My grandfather worked at Allis Chalmers, I'm gu...
by ladycat
Sat Apr 20, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4443

Re: Washing Machine that uses a LOT of Water

We have a 2011 high efficiency top loader. When I think some extra water might be useful I fill a bucket of water and dump it in with the dirty laundry. We have a utility sink next to the washer, so it's easy. I don't know if there are sensors that negate my extra water, but it makes me feel good.
by ladycat
Wed Apr 17, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 8284

Re: I’m a Loser Stuck in a Dead End Job

I took the liberty of rephrasing your post. What do you think when you read your ideas phrased as accomplishments? Edit - post title could be "looking for advice to take my career to the next level" At this point in my life, I just feel stuck, and really could use some solid advice. I’m 30 and have ...
by ladycat
Thu Apr 04, 2019 3:53 pm
Forum: Personal Investments
Topic: Advice for son begining to invest
Replies: 33
Views: 1722

Re: Advice for son begining to invest

I think the Bernstein pdf would be a great start. It's fantastic that your son is showing interest in investing and you're there to provide guidance. I didn't start earning decent money until I was 27, but followed the advice to invest as much as I could from each paycheck. It has served me well and...
by ladycat
Wed Apr 03, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: Additional Costs for 3rd Child?
Replies: 74
Views: 2598

Re: Additional Costs for 3rd Child?

A family member wanted a boy to carry on the family name. He has 7 daughters.
by ladycat
Tue Apr 02, 2019 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected Check from IRS
Replies: 17
Views: 2197

Re: unexpected US treasury check

I'd contact the IRS and ask them if it is legit. Use a phone number from the IRS website, not the one printed on the check (just to be safe). I don't know if this helps https://fiscal.treasury.gov/files/reference-guidance/gold-book/check-security-features.pdf If a scammer filed a fraudulent return u...
by ladycat
Mon Apr 01, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: CA tax - Can parent pay using their check
Replies: 21
Views: 1089

Re: CA tax - Can parent pay using their check

The IRS does not care who writes the check. If it clears the bank, they are happy. It would need to be sent with her tax forms...in the mail. If she wants to file online, she can give them the info to take the money directly from her account. I've done this many times. Smooth as silk. I think she s...
by ladycat
Thu Mar 28, 2019 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: 4 years as a Boglehead
Replies: 4
Views: 887

Re: 4 years as a Boglehead

That's impressive progress in a very short time. I hope your hard work and good habits continue to pay off.
by ladycat
Wed Mar 27, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: $20 Targeted Fidelity Survey
Replies: 4
Views: 666

Re: $20 Targeted Fidelity Survey

I wasn't chosen, but I guess I shouldn't complain since I apparently lucked out on that $4.95 commission fee credit!
by ladycat
Wed Mar 27, 2019 7:50 pm
Forum: Investing - Theory, News & General
Topic: Fidelity mistake - charged commission on ICSH
Replies: 3
Views: 383

Re: Fidelity mistake - charged commission on ICSH

I don't remember seeing a commission "line item" when I made the purchase. I think that would have jumped out at me. But this is one of the first ETFs I've purchased so maybe I missed it.
by ladycat
Wed Mar 27, 2019 7:33 pm
Forum: Investing - Theory, News & General
Topic: Fidelity mistake - charged commission on ICSH
Replies: 3
Views: 383

Fidelity mistake - charged commission on ICSH

Just an FYI for those of you who may have purchased iShares Ultra Short Term Bond ETF (ICSH) at Fidelity lately. I purchased ICSH the end of January 2018. This is a commission-free ETF if purchased online but Fido mistakenly charged a $4.95 commission (found it in my Activity history). I called toda...
by ladycat
Wed Mar 27, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 894
Views: 94518

Re: What frugal thing did you do today?

I uninstalled the Amazon app from my phone. I was taking advantage of the 5% cash back on the amazon credit card way too frequently. I also setup my vitamins and supplements on amazon subscriptions resulting in a 20% off. Keep an eye on the prices for your subscribe and Save. I just canceled one of...
by ladycat
Tue Mar 26, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance of Trad IRA
Replies: 40
Views: 2246

Re: Inheritance of Trad IRA

I don't see a clear statement of the actual beneficiary named on the IRA account. Was it multiple individuals? a trust including a testamentary trust? estate? Some combination of above? No beneficiary, meaning the IRA agreement will state the default beneficiary? The answer determines the RMD amoun...
by ladycat
Tue Mar 26, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance of Trad IRA
Replies: 40
Views: 2246

Re: Inheritance of Trad IRA

Is the only “income” the inheritance of the traditional IRA? If so, you can withdraw that over time (don’t know the exact calculation) - it doesn’t have to be all in one year. The estate is in an A B trust so the IRA is the only taxable money. To settle estate I thought it would need to be all dist...