Search found 63 matches

by Arbol
Sat Dec 28, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: WiFi Water Leak Detector Recommendations
Replies: 17
Views: 1471

WiFi Water Leak Detector Recommendations

Well, the water heater leaked and flooded our son's bedroom. Opps! Lesson learned. Moving on and looking for a solution to prevent this from happening again. Any suggestions on a water leak detector that will notify us of a leak on our iPhones? We live in a condo and the water shutoff is on the outs...
by Arbol
Mon Dec 02, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: New Macbook Pro - dvd drive
Replies: 31
Views: 1942

Re: New Macbook Pro - dvd drive

If you are backing up data from 3 old computers and transferring it to a new MacBook, have you considered getting an external hard drive?

CD/DVD are ancient technology.
by Arbol
Thu Nov 28, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Hiring a kid to put Xmas lights
Replies: 56
Views: 4005

Re: Hiring a kid to put Xmas lights

I'm 49 years old. My wife and I agree that it's not wise to climb onto the roof for Christmas lights. It's not a necessity. It's completely unwise to have an uninsured person working on top of your roof. You are 100% liable if anything happens. You are the employer. You can not waive your responsibi...
by Arbol
Mon Nov 18, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property sell or rent?
Replies: 21
Views: 1950

Re: Rental property sell or rent?

Do you want to be a landlord? Do you enjoy being a landlord?
by Arbol
Mon Nov 18, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Retiree couple seeking pointers on relocation
Replies: 7
Views: 848

Re: Retiree couple seeking pointers on relocation

This is how my wife and I moved to Florida. Bought FL condo with Schwab margin account where my current borrowing rate is 2.9%. No loan fees. Wired from Schwab account to escrow and was able to close in 17 days. Paid off the margin loan from sale of the prior home. You could do the same and pay off ...
by Arbol
Mon Nov 18, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Costs of estate planning
Replies: 5
Views: 704

Re: Costs of estate planning

It depends. No idea what your $5-$10M assets are. How complex you want things.

With a GST and a sizable estate, you are looking at $5,000 and above for competent estate planners.

$5000 is 0.1% of your estate on the low end. Spending 0.1% to protect the other 99.9% is money well spent.
by Arbol
Sun Nov 17, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Half of Estate in a Trust?
Replies: 28
Views: 1903

Re: Half of Estate in a Trust?

We recently set up trusts that do exactly that. Our concern was not that one of us didn't trust the other, but rather after one of us dies the other still has a life. They may remarry, have more kids, etc. Our goal was to ensure that when the first one dies, their half of the estate goes to our joi...
by Arbol
Sun Nov 17, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: New Tenant.... possibly
Replies: 28
Views: 2037

Re: New Tenant.... possibly

An H1-B visa holder can stay up to 3 years in the US, so this prospective tenant may work out for you. I have rental properties in Mira Mesa, a community of San Diego, CA. Qualcomm is headquartered in Sorrento Valley, right next to Mira Mesa. Qualcomm hires lots of H1-B Indian engineers. I've rented...
by Arbol
Sun Nov 17, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: New Tenant.... possibly
Replies: 28
Views: 2037

Re: New Tenant.... possibly

My leases are one year and month to month afterwards. The reason for the one year is so I don't have short term renters. A new tenant offered to pay the full year rent if he could get a small discount. I politely rejected the offer because I want to keep my options open if they turn out to be horri...
by Arbol
Sun Nov 17, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: New Tenant.... possibly
Replies: 28
Views: 2037

Re: New Tenant.... possibly

My leases are one year and month to month afterwards. The reason for the one year is so I don't have short term renters. A new tenant offered to pay the full year rent if he could get a small discount. I politely rejected the offer because I want to keep my options open if they turn out to be horri...
by Arbol
Sun Nov 17, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: New Tenant.... possibly
Replies: 28
Views: 2037

Re: New Tenant.... possibly

As a landlord, I agree with IMO and Sandtrap. You have one potential renter who has a great job (which you need to verify) but lacks a history because he's new to the US. Month to month would be best. My leases are one year and month to month afterwards. The reason for the one year is so I don't hav...
by Arbol
Sun Nov 17, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Equal Inheritance for Children
Replies: 109
Views: 10824

Re: Equal Inheritance for Children

Fair is subjective. Equal shares by giving to only one child for 23 years with an offset is equally subjective since no one can put a price on future return, inflation, and lost opportunities. I would take the $15,000 for 23 years if the offset was 2% a year. In my hands now is way better than a pot...
by Arbol
Sun Nov 17, 2019 11:22 am
Forum: Personal Investments
Topic: Investment suggestions for spouse
Replies: 25
Views: 868

Re: Investment suggestions for spouse

The only retirement account that can be funded with her inheritance is a spousal IRA if you have earned income. Being in the 12% federal tax rate is fantastic for LTCG. Your federal taxes on LTCG is probably zero. This is as good as a Roth IRA for gains but better than a Roth IRA since you can harve...
by Arbol
Sun Nov 17, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Another Laptop Question
Replies: 31
Views: 2384

Re: Another Laptop Question

Buy a new laptop. Don't expect current software to run on 10 years old hardware. This. I just bit the bullet and ordered a new laptop. My old one is from 2012 and can no longer update it. The old laptop is in good shape and will keep it in order to have a cd player available. Why would you ever hav...
by Arbol
Sun Nov 17, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Another Laptop Question
Replies: 31
Views: 2384

Re: Another Laptop Question

The major problem with an old laptop is the battery. After 10 years, that battery is probably shot. A replacement is going to be hard to come by and expensive relative to the benefits.
by Arbol
Sun Nov 17, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Another Laptop Question
Replies: 31
Views: 2384

Re: Another Laptop Question

Buy a new laptop. Don't expect current software to run on 10 years old hardware. This. I just bit the bullet and ordered a new laptop. My old one is from 2012 and can no longer update it. The old laptop is in good shape and will keep it in order to have a cd player available. Why would you ever hav...
by Arbol
Sun Nov 17, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Gift Card Already Used?
Replies: 23
Views: 2021

Re: Gift Card Already Used?

It's more likely that you used the card and forgot. I've done it myself.

It's less likely that you got hacked and the card was used 2000 miles away.

Sometimes, the simplest explanation is the correct explanation.

We all forget things.
by Arbol
Sun Nov 17, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Gift Card Already Used?
Replies: 23
Views: 2021

Re: Gift Card Already Used?

I have one more $50 gift card to this restaurant that has never been used. If I go to use it and find out there is only $2 and change in it, and have the receipt of purchase where it states $50 was loaded on to it, I am still powerless and I'll be embarrassed because here is nothing the cashier or ...
by Arbol
Sun Nov 17, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Another Laptop Question
Replies: 31
Views: 2384

Re: Another Laptop Question

Buy a new laptop.

Don't expect current software to run on 10 years old hardware.
by Arbol
Sun Nov 17, 2019 10:37 am
Forum: Personal Investments
Topic: JOINT OR SOLO OWNERSHIP
Replies: 7
Views: 393

Re: JOINT OR SOLO OWNERSHIP

If there is a divorce, how are pre marriage assets affected in a community property state Your separate assets prior to marriage remains your separate asset. Living in a CP state does not change the nature of your separate property when you get marry. In a divorce, it would belong to the owner spou...
by Arbol
Sun Nov 17, 2019 10:07 am
Forum: Personal Investments
Topic: JOINT OR SOLO OWNERSHIP
Replies: 7
Views: 393

Re: JOINT OR SOLO OWNERSHIP

Do you live in a community property state? If your assets are significant, your basis low, and you don't live in a CP state, then consider a CP trust in Tennessee or Alaska. A double step up in basis with community property is the best. The decedent's share and the surviving spouse's share both get ...
by Arbol
Sun Nov 17, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: New Tenant.... possibly
Replies: 28
Views: 2037

Re: New Tenant.... possibly

Hi.

Have you called the company to verify his employment?

An H1-B visa is not easy to get. Generally, it's a highly skilled engineer who has a very good income.
by Arbol
Sun Nov 17, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Half of Estate in a Trust?
Replies: 28
Views: 1903

Re: Half of Estate in a Trust?

A trust is a good idea because it allows you to do more than a will. A will distributes your assets after your death to your beneficiaries. End of story - you are no longer in control. A trust lets your successor control the assets and distribute under the terms you established for a very long time....
by Arbol
Sun Nov 17, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Tablet for 2 year old for long car trip
Replies: 27
Views: 1551

Re: Tablet for 2 year old for long car trip

JoeRetire wrote:
Sun Nov 17, 2019 8:16 am
Arbol wrote:
Sun Nov 17, 2019 7:57 am
You may have an unhealthy addiction.

Those who want to shame others should look at their own behavior.
Oh, the irony! :oops:
lol
by Arbol
Sun Nov 17, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: Tablet for 2 year old for long car trip
Replies: 27
Views: 1551

Re: Tablet for 2 year old for long car trip

For the child development gurus. If you are concern with time spent online or connected to a device, then maybe you should not post on Bogleheads.org at 8 AM on a Sunday morning. You may have an unhealthy addiction. The OP asked for tech advice, not parenting advice. Those who want to shame others s...
by Arbol
Sun Nov 17, 2019 7:40 am
Forum: Personal Investments
Topic: How are the Dividends in Roth IRA calculated?
Replies: 18
Views: 868

Re: How are the Dividends in Roth IRA calculated?

Silk McCue wrote:
Sun Nov 17, 2019 7:35 am
The same way they are in every other type of account.
This. Dividend income is calculated the same way they are in every other type of account.
by Arbol
Sun Nov 17, 2019 7:27 am
Forum: Personal Consumer Issues
Topic: Tablet for 2 year old for long car trip
Replies: 27
Views: 1551

Re: Tablet for 2 year old for long car trip

Amazon Fire tablets do not support the Xfinity streaming app. On my Fire HD 8, it took me 10 minutes to install the Google Play Store where I was able to download the Xfinity app. You are not limited to the Amazon app store. You can use the Google Play store. My Fire HD is set to CNBC on the Xfinity...
by Arbol
Sun Nov 17, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 56
Views: 7063

Re: Disney plus streaming deal

arsenalfan wrote:
Sun Nov 17, 2019 5:27 am
Signed up
How do I access Hulu?
The Disney+ and ESPN+ logins are identical
But it doesnt work on Hulu - who wants me to setup a new account and give them a charge card.
Did you buy the bundle which includes Disney+, ESPN+ and Hulu or did you buy Disney+ and ESPN+ as separate services?
by Arbol
Sun Nov 17, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Gift Card Already Used?
Replies: 23
Views: 2021

Re: Gift Card Already Used?

You may want to let this go.

Maybe you made a mistake and used the card previously.

There's no way to track down all the times the card was used. You can't prove you didn't use it.
by Arbol
Sun Nov 17, 2019 6:31 am
Forum: Personal Consumer Issues
Topic: Tablet for 2 year old for long car trip
Replies: 27
Views: 1551

Re: Tablet for 2 year old for long car trip

No unsolicited parenting advice from me. An Amazon Fire HD 8 for $50 on Black Friday would be my choice. It's extremely easy to add Google Play and make it an Android tablet. There's a microSD slot so you can download and save videos for those times you can't or don't want to use your hotspot. Disne...
by Arbol
Sat Nov 16, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 29
Views: 2152

Re: Experience/cost MLB spring training?

Hello from Venice, FL. There are about 9 teams within an hour of here. Nice to be centrally located and be able to go north or south on the 75 and be at a game in about an hour. Make your plans early. It's crowded here in February with snowbirds and MLB fans. As other have suggested, don't come at t...
by Arbol
Sat Nov 16, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Cable modem/phone question
Replies: 13
Views: 1135

Re: Cable modem/phone question

If they want to repurpose the room and move the equipment out, then there is only one solution. Rewire the coax since they do not have another outlet.
by Arbol
Thu Nov 14, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Fort Meyers or south a bit in Feb advice please
Replies: 16
Views: 1057

Re: Fort Meyers or south a bit in Feb advice please

Hi from Venice, Florida. We're about 60 miles north of Fort Myers.

Anywhere along the west coast is nice in February.

Be careful of red tide. It has returned. You may want to avoid places that had it last year.
by Arbol
Thu Nov 14, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Cricut Maker Machine questions
Replies: 8
Views: 925

Re: Cricut Maker Machine questions

My wife has a Cricut machine. She also participates in several FaceBook Buy/Sell/Trade groups. She sees lots of people making things with Cricut and selling them. She said it's a hobby. She doesn't think that you would be able to make $15/hour of work. Sorry.
by Arbol
Mon Sep 16, 2019 7:23 am
Forum: Personal Finance (Not Investing)
Topic: MintMobile... GSM vs. CDMA
Replies: 5
Views: 587

Re: MintMobile... GSM vs. CDMA

Most Verizon iPhones have CDMA and GSM. Look on the back of your phone for a model number. Then Google it to determine if it has GSM.
by Arbol
Tue Aug 06, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: Backing up my Google Docs spreadsheet
Replies: 4
Views: 509

Re: Backing up my Google Docs spreadsheet

I use Google Drive on my MacBook Pro. Everything is on my hard drive and sync with the cloud. My backup is my file on my hard drive.

What type of computer are you using?
by Arbol
Tue Aug 06, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Advice on short Vietnam visit
Replies: 30
Views: 2709

Re: Advice on short Vietnam visit

Hi, I'm Vietnamese American and have been back often. At the end of September, expect rain. Especially in the afternoon. Hot and muggy during the day. Ho Chi Minh City. Cu Chi is a day trip and you'll be back by 3PM (Consider going to the Cao Dai Temple in Tay Ninh when you go to Cu Chi). HCMC is a ...
by Arbol
Mon Aug 05, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Daycare does not allow staff to babysit
Replies: 21
Views: 1868

Re: Daycare does not allow staff to babysit

It 100% makes sense. The daycare wants a bright line. They don't want to be potentially liable or have their reputation harmed by their employees' other jobs in a related (same?) field. Imagine an employee babysitting a child and something happens. "blah blah blah at x daycare hurt my child." I'm go...
by Arbol
Fri Jul 26, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: I Pay a city tax but I no longer work and live in the city
Replies: 14
Views: 2688

Re: I Pay a city tax but I no longer work and live in the city

If you are reporting to the office once a week, how are you not working in the city?
by Arbol
Fri Jul 26, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Weed clearing: Landlord vs. tenant responsibility?
Replies: 50
Views: 4623

Re: Weed clearing: Landlord vs. tenant responsibility?

My dad's a landlord and I'm a frequent renter. I'm not a lawyer but I would assume the following: The rules differ based on state and municipal laws. Duh. And knee-jerk assumptions which are usually self-serving (of course I'm not responsible!) are meaningless. If you're a landlord: Specifically pu...
by Arbol
Fri Jul 26, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Accomodation options for NY visit
Replies: 25
Views: 2001

Re: Accomodation options for NY visit

No hotels, then you are left with Airbnb and couchsurfing.
by Arbol
Fri Jul 26, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Weed clearing: Landlord vs. tenant responsibility?
Replies: 50
Views: 4623

Re: Weed clearing: Landlord vs. tenant responsibility?

Lawyer and landlord. Oh, I love law students. There's the law and there's is the reality of practicing law, running a business, and life. Good luck getting in front of a judge in a timely manner. It can take over a year to go through small claims court. Good luck collecting after winning in small cl...
by Arbol
Fri Jul 26, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: How would you pay this bill?
Replies: 10
Views: 1327

Re: How would you pay this bill?

You've contacted them, and they suggested sending a check. Why can't you do that? Why are you trying to figure out a different way when you have already have the answer?

Go with the simple solution that they gave you.
by Arbol
Fri Jul 26, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Weed clearing: Landlord vs. tenant responsibility?
Replies: 50
Views: 4623

Re: Weed clearing: Landlord vs. tenant responsibility?

Since the lease is silent (or ambiguous), then it's the landlord's responsibility.
by Arbol
Fri Jul 26, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Weed clearing: Landlord vs. tenant responsibility?
Replies: 50
Views: 4623

Re: Weed clearing: Landlord vs. tenant responsibility?

If I was renting, there is no way I would spend over a $1000 on a riding lawnmower. Never gonna happen. There are certain realities to being a landlord. One is that the tenant will not take care of the yard. IMHO, it's not reasonable to expect a renter to spend a large sum of money to maintain the l...
by Arbol
Fri Jul 26, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 63
Views: 7203

Re: USPS - Informed delivery - complain on missing items?

Go to the post office and report your mail is missing. Then, expect them to do nothing. That has been my experience.

Go paperless.
by Arbol
Fri Jul 26, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 9003

Re: Frontier or Spirit Airlines

We're frugal, but no. We're good at following the rules, so no extra charges that we didn't expect. Seats are uncomfortable. They do not recline. They are not for the big boys and girls. Fellow passengers are extremely annoying. People who don't educate themselves on how the airlines work, then expe...
by Arbol
Fri Jul 26, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Weed clearing: Landlord vs. tenant responsibility?
Replies: 50
Views: 4623

Re: Weed clearing: Landlord vs. tenant responsibility?

I'm a landlord. A city landlord so I don't have 2 acres to take care of. From my experience, tenants will not take care of a yard. I have a gardener for all my rentals. The landlord is ultimately responsible. Doesn't matter what the lease says because the landlord is ultimately responsible if there ...
by Arbol
Wed Jul 24, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 8323

Re: Uber Without Smartphone

Why continue to bother your stepdaughter for rides or for ordering an Uber. She has her own things going on. She's not your driver or your secretary. Wow. Strangely enough, if one of my parents asked me for a favor, I would not consider this a bother. There's a difference between helping and enabli...
by Arbol
Wed Jul 24, 2019 7:15 am
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 8323

Re: Uber Without Smartphone

Another vote for get an inexpensive smart phone and a cheap data plan from one of the services suggested here. Chances are good you will find it pretty useful. My ILs took a perverse pride in not picking up new technologies as they aged. My parents, while not hopping on cutting edge tech, kept up p...