Search found 24 matches

by planetmike
Thu Jan 09, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: At what point do you donate/trash/sell/gift your junk?
Replies: 72
Views: 4159

Re: At what point do you donate/trash/sell/gift your junk?

It's a horribly slow process. I have a closet and several storage boxes of stuff like what you mention. Plus the basement storage room. And the utility room. And a huge shelf of books. Sigh. We are ever so slowly going through it, and every time we visit a set of parents, we resolve to go through it...
by planetmike
Wed Jan 08, 2020 12:09 pm
Forum: Personal Investments
Topic: Portfolio Review: 2020 plans
Replies: 2
Views: 290

Portfolio Review: 2020 plans

I'm working full-time, wife is on permanent disability, receiving social security and a monthly disability check. Emergency funds: Yes, funded for six months, in a HYSA Debt: None, no mortgage anymore. Tax Filing Status: Married Filing Jointly Tax Rate: 15% Federal, 5.75% State State of Residence: V...
by planetmike
Fri Jan 03, 2020 8:47 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4201
Views: 1211713

Re: What Book Are You Currently Reading? Part VI

"Norco '80: The True Story of the Most Spectacular Bank Robbery in American History" by Peter Houlahan.

A bank robbery gone wrong in Southern California in 1980. I keep imagining this as a movie.
by planetmike
Thu Jan 02, 2020 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Records retention
Replies: 22
Views: 2048

Re: Records retention

Check your state's listing of unclaimed property. Look for your name, spouse's name, kid, etc. If you find anything, you'll need proof that you used to live at the property or otherwise had an account there. Once you've done that, you can get rid of that older paperwork. My wife has unclaimed proper...
by planetmike
Thu Jan 02, 2020 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Tracking Spreadsheet Review?
Replies: 41
Views: 2791

Re: Annual Tracking Spreadsheet Review?

I have a handful of spreadsheets that are updated monthly. Net worth, asset allocation, details of stock purchases. Balance the credit card and bank accounts in the financial software (iBank, now called Banktivity).
by planetmike
Thu Jan 02, 2020 4:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard & Investment Account Statements
Replies: 22
Views: 1111

Re: Vanguard & Investment Account Statements

We used to scan and save PDF copies of all bank and investment/retirement statements. Now we can download them. We've kept them all, especially as they are electronic, so there is no cost to it. I guess we could back in time and add up our balances and see how our net worth (or lack thereof) has cha...
by planetmike
Tue Dec 03, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Ken Burns Country Music DVDs: Historic and Artistic Merit
Replies: 23
Views: 1601

Re: Ken Burns Country Music DVDs: Historic and Artistic Merit

The series was well worth the investment of time. I missed one episode, and my local library has a looong waiting list to check out the series.
by planetmike
Tue Dec 03, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Outdoor Christmas Lights and Decorations
Replies: 18
Views: 1310

Re: Outdoor Christmas Lights and Decorations

The outside strands I have are solar rechargable. Happens automatically. Only downside is that on cloudy/rainy/snowy days that evening they don't turn on. 72 foot strand was $40 at Amazon, still working great after three years. https://smile.amazon.com/gp/product/B01EHPO0C2/
by planetmike
Sat Nov 30, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Charity vs. Scrooge- how do you think of things?
Replies: 85
Views: 5430

Re: Charity vs. Scrooge- how do you think of things?

My wife and I give two things: (1) money. To our church, and to groups we've investigated and agree with their mission. We have an annual giving budget planned. (2) our time and work. We volunteer with various groups. Local rescue squad. Food bank. Crisis pregnancy center. Anyone who cold calls us g...
by planetmike
Thu Nov 28, 2019 12:41 pm
Forum: Personal Investments
Topic: So I had my free phone call from Personal Capital . . .
Replies: 27
Views: 4140

Re: So I had my free phone call from Personal Capital . . .

I also put my Google Voice number into Personal Capital so they're never able to bother me.

It seems that Personal Capital has made it more difficult to manually update your figures. No huge loss, maybe I'll just delete my account.
by planetmike
Thu Nov 21, 2019 12:51 pm
Forum: Personal Investments
Topic: Joining a new employer in December and maxing out a 401k
Replies: 13
Views: 554

Re: Joining a new employer in December and maxing out a 401k

IF YOU CONTRIBUTE EVEN $1 to 401k plan in 2019 , unfortunately you will not be able to take the tax deduction on Traditional IRA contribution. Ummm, what? Really? I work at a non-profit hospital,and have to have at least 1% of my paycheck go into a 403B. I dislike the fund choices, so I do the mini...
by planetmike
Thu Sep 12, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: Whether to change phone number for elderly parents
Replies: 34
Views: 3338

Re: Whether to change phone number for elderly parents

If you get a new number, get one that is in a different state than where they are living. Then when the robocalls/spammers/idiots try to call in with a phone number from that other state in their spoofed caller ID, you will know it is a call to not answer. Set your ring tone and vibration to silent/...
by planetmike
Sun Sep 08, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage final payment
Replies: 31
Views: 3902

Re: Mortgage final payment

And on Friday we got a check back from Wells Fargo for a whopping $0.69! It's been a while since I laughed so hard.
by planetmike
Thu Aug 29, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Block Facebook "Sponsored" Ads?
Replies: 11
Views: 1216

Re: Block Facebook "Sponsored" Ads?

Any time an ad shows up on my feed, I choose the option to block that advertiser. For a reason, I choose it is irrelevant to me. If you do that enough, ads stop showing up. Every six months or so, FB creates new categories of ads, so I have to block them as well.
by planetmike
Fri Aug 23, 2019 6:44 am
Forum: Personal Consumer Issues
Topic: RE-OPENED for Good LightRoom Equivs: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?
Replies: 19
Views: 1443

Re: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?

LibreOffice is pretty good. It's read 99% of my old MS Office documents I've thrown at it. PowerPoint slideshows either open really well or not at all. Transition effects disappear. https://www.libreoffice.org/ I use GIMP (GNU Image Manipulation Program) for pictures. It has a steep learning curve, ...
by planetmike
Sun Aug 18, 2019 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage final payment
Replies: 31
Views: 3902

Re: Mortgage final payment

Thank you everyone! It turns out that a wire from Suntrust costs $25. A certified check is free, so I could either overnight it for $24.95, or 2 day mail for $7.95. Or first class mail for $0.50. I did the two day mail, had the check prepared for an extra three days of interest, just in case. The fi...
by planetmike
Wed Aug 07, 2019 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage final payment
Replies: 31
Views: 3902

Mortgage final payment

My wife and I decided to pay off the mortgage. We only owe around $2,500. When I generated the payoff letter at Wells Fargo, it said we have to wire or mail a check. It seems really odd I can't set a payment up through their online tool. I'll be calling them this afternoon to see what they say. They...
by planetmike
Sat May 18, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: HOW to pay off a mortgage
Replies: 18
Views: 4041

Re: HOW to pay off a mortgage

How does the final payment work if you are doing autopay of your monthly payments? Is the final payment the actual payoff amount automatically?
by planetmike
Fri Apr 19, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 76
Views: 5660

Re: Video Camera to check in on Elderly Parent

This isn't new technology & it can be obtained cheaper than the Apple Watch option. The trick is: the person has to be wearing the device. I did a quick search, and you're right. I'll look through those options and see if my parent would maybe do one of those instead. She hated the necklace button ...
by planetmike
Fri Apr 19, 2019 7:12 am
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 80
Views: 6037

Re: In which companies do you own a single share, or token amount, of stock?

I still own 10 shares of Apple. I originally bought 20 shares in early 2000s, just so I could say I owned some. I'm so glad I didn't sell a couple years later when my stockbroker suggested I sell. Since I didn't need the money at that time, I held.
by planetmike
Thu Apr 18, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 76
Views: 5660

Re: Video Camera to check in on Elderly Parent

Something to consider would be the newest Apple Watch. It has fall detection and can automatically call 911 and an emergency contact. https://9to5mac.com/2019/04/15/apple-wa ... detection/
by planetmike
Thu Apr 18, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 16680

Re: What is your hobby and how did it come to be your hobby?

Two largest hobbies for me: 1. Volunteer with the local rescue squad. A fair bit of time commitment to get certified, then a weekly shift requirement. It feels good to give back. You meet a lot of good people. 2. Just started learning to play the banjo. Smaller hobbies include: 3. Swimming. I need t...
by planetmike
Sat Apr 06, 2019 7:07 am
Forum: Personal Finance (Not Investing)
Topic: What? No Income?
Replies: 62
Views: 7779

Re: What? No Income?

Yeah, the whole idea of buying low is gone, because if the market tanks, you've got no income to buy more while "it's on sale." I feel like such a wimp. Isn't this what an asset allocation is for? Sell off some bonds to buy stocks when the stock prices fall? Or does that not work once we have no fr...