Search found 115 matches

by MarkerFM
Fri Aug 16, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Neighbor's FIOS cable running over my yard
Replies: 52
Views: 6506

Re: Neighbor's FIOS cable running over my yard

Another avenue to consider if you are making a full court press is to contact the town department responsible for granting them a franchise to operate in your town (assuming they need one). This might be a little added leverage.
by MarkerFM
Tue Aug 13, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 45
Views: 3223

Re: Hearing Aids

Has anyone tried Eargo as a hearing aid? My husband bought Costco aids, touted them to me and then stopped wearing them after a month. I would like something in-ear because behind-the-ear gets hung up with my hair and glasses You might end up not using them. The type of hearing aid should be chosen...
by MarkerFM
Tue Aug 13, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Condo pool requires having an attendent on duty
Replies: 25
Views: 2982

Re: Condo pool requires having an attendent on duty

Ran into a board member yesterday and they said the law is the PH levels need to be checked twice a day. So the attendant was hired to do that, but it could also be done by a volunteer resident. However, the board member could not answer why the pool remains closed when there is no attendant.. All ...
by MarkerFM
Sun Aug 11, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Remodeling - phases vs all at once
Replies: 12
Views: 782

Re: Remodeling - phases vs all at once

If you do the job in phases, you get to evaluate the contractor after the first phase. After we did our kitchen remodel, I would not want to hire that contractor again for anything else. We did a laundry room gut reno before a kitchen gut reno for precisely this reason. We even told the contractor ...
by MarkerFM
Sat Aug 10, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Negotiation Came to a Halt
Replies: 67
Views: 5039

Re: Real Estate Negotiation Came to a Halt

A few years ago we sold a house that was in a vacation/resort area. We weren't desperate to sell, and our first agent overpriced it, so it sat on the market for two years. Was reduced several times from $2.375 million to $1.995 million. Soon after the last reduction, the buyer submitted an offer for...
by MarkerFM
Sat Aug 10, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Where did my doctor go?
Replies: 41
Views: 3533

Re: Where did my doctor go?

In my area, a number of PCP leave to start a "boutique" practice. I had a phone surgery commissioned by a former doc asking if I would follow him if he went that route. Well, $1800 annual retainer is a bit much for my 2 visits a year, and he was nothing special. I've heard of tele-medicine, but I d...
by MarkerFM
Thu Aug 08, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Amazon delivery
Replies: 17
Views: 1606

Re: Amazon delivery

Amazon no longer promises 2-day deliver for all Prime items. Shipping times vary even for Prime items ordered by Prime customers. Customers are also now split between those who live close to a distribution center, who get fast delivery, and those who aren't, who get slower delivery. They are trying ...
by MarkerFM
Wed Aug 07, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8056

Re: Extreme Anxiety with Time/Money

Let me add my perspective. I'm by nature a highly driven, competitive person also prone to anxiety. I felt somewhat the same as you with our first house. Over time, I've learned there are many more important things. We bought a condo where we live part of the year as a partial solution. At our large...
by MarkerFM
Wed Aug 07, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Boston for a few hours with young kids
Replies: 20
Views: 924

Re: Boston for a few hours with young kids

The New England Aquarium is great for kids those ages, but it isn't outside. If you are set on being outside, then the public garden (ducklings as someone else mentioned) and the swan boats would be good choices.
by MarkerFM
Wed Aug 07, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Worth it to upgrade to Main Cabin Extra?
Replies: 76
Views: 3811

Re: Worth it to upgrade to Main Cabin Extra?

My last 2 flights.....I waited until I heard the door close, then scooted up to an exit row seat on an aisle where the middle was empty. Premium service for zero cost. Of course, you can't count on that and could be stuck in the peon class with a couple 300 pounders taking up the other 2 seats. Can...
by MarkerFM
Sat Aug 03, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: For long time retirees, do you use a spreadsheet?
Replies: 37
Views: 2638

Re: For long time retirees, do you use a spreadsheet?

I have a detailed spreadsheet with various spending categories and, where appropriate, tabs that include more detail. I have data going back to 12 years before I retired, and every year since. Including this year, 26 years. Every $ spend except for my wife's mad money gets tracked. I create a plan e...
by MarkerFM
Fri Aug 02, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Wood Kitchen Counter Tops
Replies: 23
Views: 1821

Re: Wood Kitchen Counter Tops

We have a butcher block island in our summer home and had one in the previous summer home. Both are good quality, and we treat with Boos Block Oil from time to time. No problems, they look great. The other type of wood counters typically used are the ones finished with a varnish of some sort. So lon...
by MarkerFM
Sun Jul 28, 2019 3:51 pm
Forum: Personal Investments
Topic: User hostility when transferring brokerage accounts
Replies: 36
Views: 3710

Re: User hostility when transferring brokerage accounts

I just expected some email saying "Your account is closing soon. You have 1 month (or something) to download account statements." Sure, I'm sure it is in their TOS, but a nice, friendly email would have made a lot of difference. I'm with you. I transferred from Morgan Stanley and noticed that while...
by MarkerFM
Sat Jul 27, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Ghosted by IKEA after warranty claim
Replies: 49
Views: 5152

Re: Ghosted by IKEA after warranty claim

abuss368 wrote:
Sat Jul 27, 2019 11:42 am
Call the local newspaper to start an article. IKEA will probably manically honor the warranty!
What's a newspaper?
by MarkerFM
Tue Jul 23, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Thinking about buying late grandparents' house, proper boundaries with rest of family?
Replies: 27
Views: 1949

Re: Thinking about buying late grandparents' house, proper boundaries with rest of family?

batpot wrote:
Mon Jul 22, 2019 9:58 am
^ hare :D

Cleanest weigh:
Bye the house, and pay the estate. If your unsure of price, pay out of pocket four an appraisal.
Then let estate disperse the money accordingly.
When I saw the first hare, I thought it was a typo. Soon I realized it was a drove.
by MarkerFM
Thu Jul 11, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: Retirees, did your level of luxury increase faster than you anticipated?
Replies: 47
Views: 5089

Re: Retirees, did your level of luxury increase faster than you anticipated?

You know how when you read some threads here about people with plans to retire and you realize that while they are planning, their plan is not well-founded and they are reaching? Well, we had the opposite problem. Our "plan" was to basically throttle spending below what would be reasonable consideri...
by MarkerFM
Thu Jul 11, 2019 7:14 am
Forum: Personal Consumer Issues
Topic: Visiting Buffalo,NY / Niagara Falls area - things to see and do?
Replies: 46
Views: 2315

Re: Visiting Buffalo,NY / Niagara Falls area - things to see and do?

Downtown Buffalo has improved dramatically in the last ten years and is now a fantastic place to spend time. The revamped waterfront area is called Canalside and is a must-see if you're visiting. South of downtown, much of the old industrial waterfront has been transformed into parkland and has a l...
by MarkerFM
Tue Jul 09, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Best Practices for longer-term house guests?
Replies: 35
Views: 3410

Re: Best Practices for longer-term house guests?

We have separate guest quarters at both our places in popular resort areas and love to have guests. We also have a three night limit, including in-laws. We get lots of visitors and enjoy hosting. We really haven't had any problems. Ironically, while we like having guests, we don't usually like being...
by MarkerFM
Mon Jul 01, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Outdoor Fire Pit - Wood vs. Gas?
Replies: 53
Views: 3589

Re: Outdoor Fire Pit - Wood vs. Gas?

In a long-ago house, we had a circular opening in the back patio where we attempted and failed a few times to grow trees. So, we had a nice masonry wood fire pit built, partly as a warning to the rest of the trees in the yard as to what happens to bad trees... Seriously, we enjoyed it immensely and ...
by MarkerFM
Mon Jul 01, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 8371

Re: Would we regret buying a 2nd home?

When we were late 30s we bought a summer home 1,100 miles from our primary home. We spent 10 weeks there every summer, and a long weekend in the fall once in awhile (not often). We loved it, and eventually sold it for a large profit (though not more than we would have made in, say, SPY) to buy a lar...
by MarkerFM
Tue Jun 25, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a condo in Chicago?
Replies: 52
Views: 5551

Re: Should I buy a condo in Chicago?

I'm a couple of years into a biglaw job, have paid off all my student debt, and have enough saved for a down payment on a condo. I'm financially ready to buy a place, but am torn about whether it's a good decision. My primary reason for buying a place is to lock in monthly living costs. Before I li...
by MarkerFM
Sat Jun 22, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: First Class Seats Domestic USA
Replies: 26
Views: 2117

Re: First Class Seats Domestic USA

It is highly dependent on the airline and aircraft and by your own comfort issues. You should consider taking a pillow if that helps you. I fly American in first class mostly and I always roll up the blanket and use it as a lumbar pillow.
by MarkerFM
Thu Jun 20, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Estate help - multi states involved
Replies: 21
Views: 1329

Re: Estate help - multi states involved

... Not sure if it matters but a very important detail I left out was that almost everything prior to her death was in the vanguard account under both her and his names - Joint with rights of survivorship. No outside will or outside beneficiaries. ... That's helpful. If the assets were all his then...
by MarkerFM
Tue Jun 18, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 45407

Re: What lifestyle creep made you happier?

More of a leap than a creep, but about 10 years after retiring we shuffled our homes from two totaling 6,600 sq ft worth $3.25 million (selling prices) to two totaling 8,350 sq ft worth $5.75 million (current values). One was in the same general location, the other was a trade from a high tax cold n...
by MarkerFM
Sun Jun 16, 2019 11:52 am
Forum: Personal Investments
Topic: Asset allocation for those in their late fifties
Replies: 35
Views: 3886

Re: Asset allocation for those in their late fifties

58 and 60, retired for 13 years. 70/30. Don't see that changing much other than perhaps equities creeping up a bit. Portfolio generates more cash than we spend. I'm glad to see a healthy number of folks maintaining higher equity portions.
by MarkerFM
Wed Jun 12, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Share financial info with family?
Replies: 26
Views: 3000

Re: Share financial info with family?

I keep a thumb drive in the top center desk drawers at both our places that contains …. a password-protected password document allowing access to all accounts. How do you envision these passwords for account access being used? So the trustee (or wife) can access. I know some might get locked if the...
by MarkerFM
Wed Jun 12, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Share financial info with family?
Replies: 26
Views: 3000

Re: Share financial info with family?

I keep a thumb drive in the top center desk drawers at both our places that contains a comprehensive list of all assets, all estate planning documents, scans of life insurance policies, and a password-protected password document allowing access to all accounts. My brother (trustee) knows where it is.
by MarkerFM
Fri Jun 07, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 3816

Re: Toaster ovens - safe? better alternative?

Count us in the Breville crowd. They are great, and perfectly safe. As others have said, we use them more than our full sized ovens. You can get a pizza stone that fits, which is handy. We have always had ovens, not toasters. Our son went to a weekend sleep-away camp where they had a toaster in the ...
by MarkerFM
Thu Jun 06, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 39216

Re: For those who earn $500k+ per year. How'd you do that?

And what a lot of us "regular" Bogleheads don't understand or appreciate is the sense of power that these people get from running a company with +100,000 employees and be interviewed on CNBC and the WSJ. And if a politician from a certain party wants the money to run their Senate or Presidential ca...
by MarkerFM
Sat May 25, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 939
Views: 104612

Re: Fidelity as a one stop shop

How does check writing & ATM withdrawals work when you have both brokerage and CMA account. Say, brokerage account has balance of $1,000 in SPAXX or default core account Say, CMA account has balance of $0, with overdraft set to brokerage account sweep Now I write a check using my CMA account for $1...
by MarkerFM
Wed May 22, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 53
Views: 3485

Re: Expensive front load washer/dryer worth it?

We had Bosch front load machines in one place that fit under the counter. They were too small to be of any real use, but cleaned well. We replaced with top of the line full-sized Electrolux machines with all the bells and whistles. We had to get Electrolux because we needed reversible doors on both ...
by MarkerFM
Wed May 22, 2019 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Sell condo or rent it?
Replies: 14
Views: 1198

Re: Sell condo or rent it?

$6,000 max return on a $260K asset? You can do as well in a high yield money market account with almost no risk. Sell it.
by MarkerFM
Tue May 21, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 13943

Re: Should I encourage my kids to work in high school/college?

Yes. I worked from the time I was ten years old. Starting with a paper route and moving through a series of minimum wage jobs. I did work/study in college and worked full time every summer. I turned out fine. Our kids have been raised in relative luxury, with multiple homes, vacations abroad since t...
by MarkerFM
Sun May 19, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Take Loan for house or not
Replies: 12
Views: 1260

Re: Take Loan for house or not

If you are looking for reserve liquidity, what you really want is a HELOC, not a traditional mortgage.
by MarkerFM
Sat May 18, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Take Loan for house or not
Replies: 12
Views: 1260

Re: Take Loan for house or not

Ask your company if they will give you the costs they would pay for a loan in cash.

No matter what they say, don't borrow for the house if you are going to put it in a bank at 2.35%.
by MarkerFM
Fri May 17, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Account - How fast will checks cash?
Replies: 11
Views: 843

Re: Fidelity Account - How fast will checks cash?

They actually have an account specifically for businesses.
by MarkerFM
Fri May 17, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax vs. Income Tax vs. Sales Tax in Retirement
Replies: 27
Views: 2128

Re: Property Tax vs. Income Tax vs. Sales Tax in Retirement

I think the higher your taxes, the more they weigh on the decision. We moved from a state with a significant estate tax to one without. The difference was more than twice what we spent to buy a very nice condo. No income tax versus one that is going up rapidly. Property tax lower than previous resid...
by MarkerFM
Mon May 06, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: Where do you shop to get best deal for home appliance/electronics?
Replies: 22
Views: 2067

Re: Where do you shop to get best deal for home appliance/electronics?

Abt www.abt.com, a one-store Chicagoland institution is our go-to place. They have competitive prices online, but if you call and speak with a sales person they can usually do better. Free shipping on everything I think, and no sales tax outside Illinois. Good customer service, and I believe they ar...
by MarkerFM
Sun May 05, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: House Hunting Duration: 10 Months Too Long?
Replies: 16
Views: 1957

Re: House Hunting Duration: 10 Months Too Long?

........ Zillow.... Don't trust everything you see on Zillow. At least in our area there are numerous mistakes. For ex, Zillow insists my house has both a garage and a fireplace. :shock: (It has neither) I have seen many, many other goofs in their so-called "data" about other houses nearby. Have yo...
by MarkerFM
Thu May 02, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Questions for Folks that Does Not Need Their 401k/IRA Funds in Retirement
Replies: 67
Views: 5415

Re: Questions for Folks that Does Not Need Their 401k/IRA Funds in Retirement

We won't have pensions, but will collect a little social security. Our taxable portfolio, throws off plenty of money to live very comfortably, which we do. We have about 10% of net worth in tax deferred accounts, about half of that in Roths. We will never need this and have set it up that all tax de...
by MarkerFM
Mon Apr 29, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 939
Views: 104612

Re: Fidelity as a one stop shop

A word of caution to those who plan to rely on the auto redemption and sweep of money from Fidelity's brokerage to cash account. I used to keep a $0 balance in the cash account and every payment was swept from brokerage. Over the Easter holiday weekend, when banks were open Good Friday but the stoc...
by MarkerFM
Sat Apr 27, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 939
Views: 104612

Re: Fidelity as a one stop shop

A word of caution to those who plan to rely on the auto redemption and sweep of money from Fidelity's brokerage to cash account. I used to keep a $0 balance in the cash account and every payment was swept from brokerage. Over the Easter holiday weekend, when banks were open Good Friday but the stock...
by MarkerFM
Sat Apr 27, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: How Much to Tip Wedding Officiant
Replies: 38
Views: 2446

Re: How Much to Tip Wedding Officiant

Thanks for all the interesting replies. I should have checked with son and his fiancé before posting here. They both feel strongly that we should not give the friend anything and we should not send anything to his wife who is staying home with the kids. The friend did say when we reimbursed travel e...
by MarkerFM
Sat Apr 27, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: How Much to Tip Wedding Officiant
Replies: 38
Views: 2446

How Much to Tip Wedding Officiant

Our son is getting married in a small ceremony on the beach. A good friend of his and his fiancé will officiate. He is not a true ordained minister, but has some kind of certification he got online. The ceremony will be short. He will travel some distance from his home, and spend three days away. We...
by MarkerFM
Fri Apr 26, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 83
Views: 11416

Re: Pros/Cons of Condo Living?

Our winter home is a condo. We couldn't be happier. It literally lives like a house and is as quiet as a tomb. Only six units in each building, two per floor. Thick concrete floors and dividing wall between the units. No rentals under 90 days, and in practice none under a year happen and those only...
by MarkerFM
Thu Apr 25, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 83
Views: 11416

Re: Pros/Cons of Condo Living?

Our winter home is a condo. We couldn't be happier. It literally lives like a house and is as quiet as a tomb. Only six units in each building, two per floor. Thick concrete floors and dividing wall between the units. No rentals under 90 days, and in practice none under a year happen and those only ...
by MarkerFM
Wed Apr 24, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Family Trust
Replies: 25
Views: 3420

Re: Family Trust

When you choose your lawyer, it'd be good to use a firm who is used to handling estates of your size. You could use that question to help figure out which firms are a good fit for you. If you are paying by the hour for your trust, you'll take up less of the lawyer's time and get more value if you g...
by MarkerFM
Sun Apr 21, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Loan to employer?
Replies: 24
Views: 1850

Re: Loan to employer?

I agree with all those who said you need equity for making this financial commitment. To me, the key to changing her mind might be her reduced involvement in recent years. I had a small company that was very profitable most years. As I was preparing to sell in the medium term, I started to cut my to...
by MarkerFM
Sat Apr 20, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 190
Views: 15761

Re: How much do you spend on food per month, per person?

I'm scared to look. I looked. Over $275 per week. We spend more on Kiwifruit than some of you spend on food all month. I knew I shouldn't have looked. Ha, same here. Two people, $550/mo each on food in 2018. Includes a bit of household supplies, but not much. Additional $480/mo each eating out. Alt...
by MarkerFM
Fri Apr 19, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: What I don’t understand about Donor Advised Funds...
Replies: 57
Views: 4783

Re: What I don’t understand about Donor Advised Funds...

Another benefit of a DAF (at least Fidelity's, with which I'm familiar) is that you can leave funds in it or add funds to it upon your death, and you can select successor charities who will receive funds. True, but if the assets transferred to an heir with stepped up basis and they then made the do...