Search found 477 matches

by flossy21
Thu Aug 22, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Lender Processing/Release fees of $300 for Mortgage Payoff, Advice?
Replies: 9
Views: 542

Re: Lender Processing/Release fees of $300 for Mortgage Payoff, Advice?

I'm not sure but I think the recording fee is what your local municipality/city/county is charging to record the deed once the payoff happens.
by flossy21
Tue Aug 13, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Looking for lake house in Southeast, recommendations
Replies: 15
Views: 1974

Re: Looking for lake house in Southeast, recommendations

Check out Lake Monticello near Charlottesville, VA with University of Virginia Medical Center. 300+ acre lake. Gated community with it's own security. Golf course, pool, clubhouse. No jet skis. Max boat length is 24'. Lake front homes from $350k to $750k.

http://www.lmoavoice.org/
by flossy21
Thu Aug 08, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Comparative Calculator -Cost of Living, US Metro Areas
Replies: 3
Views: 363

Re: Comparative Calculator -Cost of Living, US Metro Areas

www.bestplaces.net

click on "cost of living" at the top left hand side of the page
by flossy21
Mon Aug 05, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Pontoon Boat Recommendations?
Replies: 25
Views: 1750

Re: Pontoon Boat Recommendations?

I'll chime in. I'll agree with the other poster that a Tritoon is the way to go. I have a Sylvan 24' tritoon with a 150 Yamaha on it. It can pull skiers and tubers and it gets up to 37 MPH when you want to go fast. I let my wife pick the boat make/model because she wanted a certain seating arrangeme...
by flossy21
Tue Jul 23, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Outpatient procedure: trying to estimate costs, but problem with doctors office
Replies: 34
Views: 2084

Re: Outpatient procedure: trying to estimate costs, but problem with doctors office

If the Physician's Office belongs to a larger medical group, which is likey, then there might be a Patient Advocate on staff at corporate who can help.

https://www.cancer.gov/publications/dic ... t-advocate
by flossy21
Wed Jul 10, 2019 6:56 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 8973

Re: Who cuts your hair? And for how much?

My Wife. It's hard to determine the price.
by flossy21
Tue Jul 09, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6893

Re: Buying a Smoker

Lot's of good advice here. I have a propane smoker. Similar to this... https://www.amazon.com/Masterbuilt-MB20052318-Propane-Smoker-230S/dp/B077PK3L16/ref=asc_df_B077PK3L16/?tag=hyprod-20&linkCode=df0&hvadid=241975269250&hvpos=1o3&hvnetw=g&hvrand=12278912388102157582&hvpone=&hvptwo=&hvqmt=&hvdev=c&h...
by flossy21
Thu Jun 27, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Tell me about ventless gas burners for a fireplace
Replies: 19
Views: 750

Re: Tell me about ventless gas burners for a fireplace

You don't want a ventless gas fireplace because it burns the warm air in your house. You want a direct vent gas fireplace which pulls air from outside the house and exhausts the bad stuff outside. Here's a link that shows a picture and an explanation. Any decent fireplace seller like your local gas ...
by flossy21
Fri Jun 14, 2019 9:17 am
Forum: Personal Investments
Topic: Deep out of Money Puts and LEAP Puts- What am I overlooking?
Replies: 29
Views: 2511

Re: Deep out of Money Puts and LEAP Puts- What am I overlooking?

Why I am interested in this? - In my mind it is a lottery ticket that may pay off if the market moves a certain way. I don't know anything about options or puts and I don't expect to use them in any capacity. Having said that I wonder whether you would not be ahead just to play the Powerball with $...
by flossy21
Fri Jun 07, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Highly appreciated whiskies
Replies: 34
Views: 3553

Re: Highly appreciated whiskies

I would drink it but I understand the allure of selling it as well. My state has an ABC program so you can't buy whiskey legally, outside of beer & wine, anywhere but in a state run store. The state ABC commission runs online lotteries that are open to all residents of the state 21 and over to enter...
by flossy21
Wed May 29, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17155

Re: Fun paid jobs after FIRE

How about driving for Uber or Lyft? Or maybe driving for a limo service?

I've never done it but it certainly fits the idea of working on your own schedule.
by flossy21
Tue May 21, 2019 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Quicken: Windows to Mac
Replies: 14
Views: 886

Re: Quicken: Windows to Mac

This is a subject that comes up here often. Try doing a search for more alternatives. I used Quicken on Windows PC's from 1997 to about 2010. I switched to a Mac in 2010 and Quicken for Mac is pretty lousy so I exported all my info to Moneydance which is a competing product. It took some clean up bu...
by flossy21
Wed May 15, 2019 10:49 am
Forum: Personal Investments
Topic: Delete
Replies: 18
Views: 3744

Re: 30 years old, What should I do with all this cash?

You're doing a great job at such a young age. Many of us wish we had discovered this forum sooner in our lives so you've come to the right place. It seems like you are investing without a specific set of goals in mind. Right now you are sort of doing a Ready. Fire. Aim. plan. I'd suggest you need to...
by flossy21
Mon May 13, 2019 1:52 pm
Forum: Personal Investments
Topic: Email to my Edward Jones Rep
Replies: 46
Views: 4430

Re: Email to my Edward Jones Rep

If it were me I would just take it all to Vanguard but if you must give him the chance to keep your business then I would ask for a written plan for your investments. If you are going to invest "low seven figures" then he should provide you with a written plan. You should ask for the plan to provide...
by flossy21
Mon May 13, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited ranch
Replies: 97
Views: 8171

Re: Inherited ranch

I would not do the loan, interest free or not, there are too many future outcomes that are possibly negative as mentioned by others here.

Does this property produce any income from farming or timber?

Maybe you could let the individual who wants to work the ranch pay rent to the others?
by flossy21
Mon May 13, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 65
Views: 13582

Re: Home Air Filters

I replace them about every 3 or 4 months. I buy them from Amazon. Usually I buy a box of 2 or 6 depending on the filter. I buy Filtrete brand and I can almost always find a rebate form for buying multiples on their website somewhere. I have them on Amazon Subscribe & Save so I get 5% for using my Am...
by flossy21
Fri May 10, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Vacant Lake Lot. Sell or Hold?
Replies: 54
Views: 3115

Re: Vacant Lake Lot. Sell or Hold?

F150HD wrote:
Fri May 10, 2019 10:46 am

Before doing that, I would walk and talk to all adjoining neighbors to the property to see if they want to purchase it.
I'd go see the neighbor on either side and tell them you have an offer at $85k. If they can beat it then you will sell to them.
by flossy21
Fri May 10, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Hearing getting bad, which Hearing Aids would you recommend ??
Replies: 36
Views: 2641

Re: Hearing getting bad, which Hearing Aids would you recommend ??

Here's a previous post and discussion that you might find useful. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=270221&p=4335925&hilit=hearing#p4335925 I'll reiterate what I wrote in that post here... OP -- You should think of hearing aids as a service...not a product. The skill, or lack the...
by flossy21
Thu May 09, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: New car issues, possible lemon law (NC)
Replies: 14
Views: 1691

Re: New car issues, possible lemon law (NC)

It sounds like you are doing the right things. Next time at the dealer ask them to escalate the issue to the Honda Regional person. It might be a good idea to grab video with your phone each time it happens. Also have your phone doing audio recording when you interact with dealer. At some point it m...
by flossy21
Tue Apr 30, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: 100 year old mineral rights, what are capital gains issues
Replies: 4
Views: 658

Re: 100 year old mineral rights, what are capital gains issues

A family member of my wife recently found out about a similar situation. If the property is paying royalties then there is some sort of a contract/lease agreement in place for these mineral rights. When those contracts renew they often involve a substantial payout. In the case of my wife's family me...
by flossy21
Tue Apr 16, 2019 10:55 am
Forum: Investing - Theory, News & General
Topic: Why does the stock market go up in the long term?
Replies: 62
Views: 4956

Re: Why does the stock market go up in the long term?

Warren Buffet said this in one of his annual letters... “American GDP per capita is now about $56,000. In real terms – that’s a staggering six times the amount in 1930, the year I was born, a leap far beyond the wildest dreams of my parents or their contemporaries. U.S. citizens are not intrinsicall...
by flossy21
Mon Apr 15, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Recommend a reversible glue for sticking plastic to metal
Replies: 11
Views: 663

Re: Recommend a reversible glue for sticking plastic to metal

Check out Loctite's "Product Advisor" website...

http://www.loctiteproducts.com/product_ ... ndex.shtml

You should be able to find a product there that fits your application.
by flossy21
Mon Apr 08, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: New homeowner wants to DIY, but disappointed today
Replies: 50
Views: 5256

Re: New homeowner wants to DIY, but disappointed today

The shark bite products are fantastic if you aren't comfortable with solder joints or compression joints. All you need is a clean cut off pipe in copper, PVC, cpvc, pex, etc. No special tools required. They are more expensive but a no brainer for a DIY'er/weekend warrior type. https://www.sharkbite....
by flossy21
Wed Mar 27, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Help! At Fault’s Insurance Company Refusing to Pay Diminished Value
Replies: 71
Views: 7072

Re: Help! At Fault’s Insurance Company Refusing to Pay Diminished Value

Last summer, another driver backed into my wife's 2017 BMW and did about $3,400 worth of damage. This was in a parking lot and it was a low speed accident. My wife's car had never been in a previous accident. The other driver admitted fault and her insurance company paid to fix my wife's car. The at...
by flossy21
Mon Mar 25, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 9308

Re: I would like a boat. I also know nothing about boats

You didn't say whether the lake you are on is privately owned or public. If it is a private lake then you are likely limited on size HP and overall length because the longer a boat is the more it's bow wave displaces when it is moving in the water. The larger bow wave will cause more damage to the s...
by flossy21
Wed Mar 20, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Security camera with local storage and remote access?
Replies: 45
Views: 2658

Re: Security camera with local storage and remote access?

I use Yi Cameras and they do have a local storage option, but I use their cloud option. I've been pleased. Amazon carries them. I also use Yi cameras. I put a micro-sd card in a couple of them so I could look back at what was going on outside the house and it works great. Nice app for iphone and ip...
by flossy21
Tue Mar 19, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Security camera with local storage and remote access?
Replies: 45
Views: 2658

Re: Security camera with local storage and remote access?

You didn't say whether you are seeking to capture outside or inside activity. If inside, or out of the weather, the Wyze cam is a good option. It is dirt cheap, records to an SD card, provides remote viewing via an app and let's you see past events. You need Wifi to set them up but you can have them...
by flossy21
Sat Feb 23, 2019 9:27 am
Forum: Personal Investments
Topic: Edward J rep is not answering my Questions
Replies: 63
Views: 9554

Re: Edward J rep is not answering my Questions

1.) You need to get Power of Attorney for both your parents. If you don't get this done then it becomes impossible to manage their affairs for them. 2.) You should be able to get access to tax forms from 2018 and also statements via the Edward Jones web portal you mention. I would think if you print...
by flossy21
Fri Feb 22, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer - 24 Hours to Decide?
Replies: 100
Views: 7447

Re: Job Offer - 24 Hours to Decide?

If you accept now and do not join later, what harm can it cause? It is definitely unethical ... How on earth is this unethical? It might not win you brownie points with the people involved in the future, but taking an offer, only to find out a week later that you have a better opportunity somewhere...
by flossy21
Tue Feb 19, 2019 4:18 pm
Forum: Personal Investments
Topic: HSA investments questions
Replies: 19
Views: 870

Re: HSA investments questions

You mean for any current medical bills I pay from pocket , I need to save bills and then claim and withdraw during retirement ? So I need to save bills for 20 years ? Yes. If you choose to use your HSA as a retirement investment vehicle then you need to be able to justify the amounts you reimburse ...
by flossy21
Tue Feb 19, 2019 4:06 pm
Forum: Personal Investments
Topic: HSA investments questions
Replies: 19
Views: 870

Re: HSA investments questions

This raises a new question for me: So, does smart investors (not me for sure) leave the HSA invested fully and leave it for retirement ? If there is a need to pay any small current medical bills or prescriptions bills pay with your extra cash and don't touch HSA until retirement ? And we all know f...
by flossy21
Thu Feb 07, 2019 2:03 pm
Forum: Personal Investments
Topic: HSA to Fidelity, now where to park the funds?
Replies: 19
Views: 2510

Re: HSA to Fidelity, now where to park the funds?

Sorry to hijack the thread further but here's a link to the definitive guide on how to move money out of an employer HSA plan to another HSA plan.

https://thehsareportcard.com/the-hsa-re ... ferred-hsa
by flossy21
Tue Feb 05, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Heat on heat pump unit
Replies: 9
Views: 513

Re: Using Emergency Heat on heat pump unit

You should purchase smart thermostat and have an outdoor temp sensor installed. The proper smart thermostat will allow you to set a temperature point below which the heat pump won't even try to provide heat. Nest makes one but there are others like Ecobee and Honeywell. Your HVAC installer can put i...
by flossy21
Fri Jan 25, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Not sure how to negotiate BMW prices. Too much variability between cars offered at different dealers.
Replies: 15
Views: 1222

Re: Not sure how to negotiate BMW prices. Too much variability between cars offered at different dealers.

You are asking the wrong forum. Try posting at one of the BMW forums (see link below for an example) and asking for advice there. https://www.bimmerfest.com/forums/ Also, if you join the BMA Car Club of America (~$50/yr) you can get a $500 rebate on that X1 (see link below). The rebate is not from t...
by flossy21
Fri Jan 25, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Home insurance going up every year...
Replies: 58
Views: 3622

Re: Home insurance going up every year...

You may or may not be aware but, similar to your credit score, you have an insurance score. It's called a C.L.U.E. report and you are entitled to a free copy as part of the FCRA. You might check out yours to see if there is something going on there that is causing you to appear to be a higher risk t...
by flossy21
Wed Jan 23, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Home insurance going up every year...
Replies: 58
Views: 3622

Re: Home insurance going up every year...

I've had similar experience to you but my premiums aren't near that high on a higher insurance amount. I push my deductibles to the max. I figure the only claim I'm going to make is if the roof blows off or the place burns down so I can go out of pocket for $5k if that happens. I had Progressive for...
by flossy21
Tue Jan 22, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 45
Views: 3223

Re: Hearing Aids

OP -- You should think of hearing aids as a service...not a product. The skill, or lack thereof, of the person who fits your aids and provides your follow up adjustments is the most important factor by a wide margin. It's a hearing instrument that is specifically tuned to your hearing loss and it ne...
by flossy21
Thu Jan 17, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: What is US Bank up to?! Easy Checking Secret Changes!
Replies: 12
Views: 1747

Re: What is US Bank up to?! Easy Checking Secret Changes!

Wells Fargo does something similar. Here are their rules. You will likely find that US Bank is implementing something similar. All of the Wells Fargo checking accounts require a minimum $25 to open. Here’s how to avoid the Wells Fargo monthly fee for all accounts: 1. Maintain a Minimum Balance Here ...
by flossy21
Wed Jan 16, 2019 6:29 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 53657

Re: John Bogle is dead at 89

I told my wife today that he is a big part of the reason we are financially secure. What an amazing life.
by flossy21
Tue Jan 15, 2019 1:58 pm
Forum: Personal Investments
Topic: Help Investing Large Cash component
Replies: 11
Views: 970

Re: Help Investing Large Cash component

You will get more answers if you provide more detail. What are your goals for the money? At what age do you want to retire? How much loss can you take and not sell your holdings?

Judging by your cash holdings you are very risk averse?
by flossy21
Fri Jan 04, 2019 2:26 pm
Forum: Personal Investments
Topic: CDs vs I Bonds - Five and Ten Year Horizons
Replies: 12
Views: 1259

Re: CDs vs I Bonds - Five and Ten Year Horizons

You don't mention DD's age but Ibonds have the added benefit of being excluded from tax if used to pay education expenses.

See link for details...

https://www.treasurydirect.gov/indiv/pl ... cation.htm
by flossy21
Fri Jan 04, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Wife spends too much money on housewares / decorating stuff.
Replies: 39
Views: 1646

Re: Wife spends too much money on housewares / decorating stuff.

You're not going to stop it altogether. It's fun for her and she feels rewarded by the activity.

The best you can hope to do is set a budget for both of you for "fun" money. When her "fun" money is gone for the month then she is done.

Good luck.
by flossy21
Thu Dec 20, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: Lively has caved on HSA fees
Replies: 16
Views: 1442

Re: Lively has caved on HSA fees

Lively will still charge their corporate clients $2.95/employee/month so they have some income from that.

Do you think TD Ameritrade gives them a kickback?
by flossy21
Thu Dec 20, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 2152

Re: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

I'm just guessing here but I wonder if your chosen shop is holding out for an OEM panel while Liberty's shop is able to source an aftermarket panel? My truck was rear ended years ago and part of the repair was to source a replacement tailgate. I fought with the other guy's insurance for days over OE...
by flossy21
Wed Dec 12, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 4235

Re: Donate to homeless?

Somewhere I read about this and the suggestion was to carry a gallon sized ziploc bag in your car with socks, a toboggan, a bus pass or subway tokens, wet knaps, chapstick, toothbrush, toothpaste, gloves, blanket, etc. in it. When you pull up to a light and there is a panhandler then you can give th...
by flossy21
Fri Nov 16, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 238
Views: 35927

Re: [Financial] Habits of the Rich

There is a lot of of great advice in this thread. I would add this... Become knowledgeable about things like plumbing, carpentry, electrical, automotive, etc. I'm not saying you have to be an expert and I'm not saying you have to do the work yourself but you need to know enough not to get fleeced by...