Search found 1814 matches

by guitarguy
Mon Apr 27, 2020 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tax return lost in mail (during weird pandemic times...)
Replies: 20
Views: 1398

Re: Tax return lost in mail (during weird pandemic times...)

Wow! Thanks for all the info! Yes - the “no info available” was through the “where’s my refund” portal. I now see it’s probably sitting in a truckload size pile of mail. I will sit tight. Can’t understand why the heck the where’s my refund portal didn’t have a covid note that they’re not being proce...
by guitarguy
Sat Apr 25, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Tax return lost in mail (during weird pandemic times...)
Replies: 20
Views: 1398

Tax return lost in mail (during weird pandemic times...)

Hey all, I mailed in my tax return March 14 and it still says “no info available” on the IRS site. It’s been 6 weeks...the max amount of time the website says to wait before calling. I call. Closed with no human support available due to covid with no support available...automated support only. Follo...
by guitarguy
Tue Mar 24, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: Deploying your emergency fund to buy stocks? Think again.
Replies: 183
Views: 29403

Re: Deploying your emergency fund to buy stocks? Think again.

However, what is the advice for people who may have a pile of cash this is intended for emergencies but they refuse to call it an emergency fund? Can they invest that now? We don't have a separate emergency fund, either. We have 10 years of living expenses in fixed income / cash equivalents, as par...
by guitarguy
Tue Mar 24, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1002
Views: 103877

Re: Why are you NOT buying rental properties?

Super interesting read. I'm very much planning on turning my current home into a rental property a few years down the road when we size up. We are in a great location as far as stable and ever-appreciating market / walk to bars and shops / etc, but we will want to size up when child #2 comes and/or ...
by guitarguy
Tue Mar 24, 2020 12:48 pm
Forum: Personal Consumer Issues
Topic: Can I Book Plane Tix with Points And Cancel Card Before Flying?
Replies: 8
Views: 647

Re: Can I Book Plane Tix with Points And Cancel Card Before Flying?

Answer to the question in the thread title: Yes.

Answer to the question within the post: No.

:beer
by guitarguy
Thu Mar 12, 2020 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

I have an appointment with an elder law attorney tomorrow morning. I learned more in a 5 minute conversation with her than I did through several hours of googling, reading, and (no offense to anyone here) all the time I spent on the forum. As to be expected. I anticipate learning a LOT more tomorro...
by guitarguy
Thu Mar 12, 2020 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

I think I saw something about this in the thread before, but just in case.... You'll need to consult with a Medicaid specialist . Medicaid is very complex, and not something many elder law attorneys know enough about. Be sure to talk to someone who specializes in Medicaid. Medicaid is what elder la...
by guitarguy
Wed Mar 11, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

This is a rough scenario. I’m sorry to hear this. It sounds similar to what I have experienced with my mom over the last two years. I vote to protect assets such that as little as possible goes to the “medical industrial complex” and stays in the family. Discuss with mom her estate plan and meet a ...
by guitarguy
Wed Mar 11, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

My mother died from ALS 10 years ago this month. I have a few suggestions: I'm very sorry for your loss. Thanks for the suggestions. 1. Contact the local ALS support group in your area. Ask caregivers in that group for suggestions, and, even more importantly, what and who to avoid. Already done. Th...
by guitarguy
Wed Mar 11, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

OP. Your original post emphasized the stress on you and your entire family in caring for your mother at home. This seems primary to me. Why not take action with the funds she has and get her, now, into a facility. While you waffle around looking at alternatives and legalities the entire stress cont...
by guitarguy
Wed Mar 11, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

Sorry to hear about the illness - your mother is lucky to have all of your support. Regarding this longer term planning, I'd first discuss prognosis with her doctors to get a sense of her expected lifespan (would not be a precise estimate, but they might possibly be able to tell you if they expect ...
by guitarguy
Wed Mar 11, 2020 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

OP wrote: "....6. She has no debt and a portfolio (including an expected amount from the condo sale) of around $900k. So fortunately she has some assets to take care of herself. The goal for the whole family - and above that, for mom - is to figure out every possible avenue to protect what she can....
by guitarguy
Wed Mar 11, 2020 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

stuff deleted Now, let's suppose you wind up sheltering assets and the facility you have your mom in takes medicaid. After a while, you realize the care is not what you want (or need). Now you need to move mom, and that's to a facility that takes patients *starting* on medicaid. This might be a cha...
by guitarguy
Tue Mar 10, 2020 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

Right. To me, this would be us kids letting her choose an inadequate facility just because it's cheaper and she can save more money to give us. As I said in my last post...she'll probably try to to that but we won't let it happen. Getting her lesser care to conserve our inheritance isn't what anyon...
by guitarguy
Tue Mar 10, 2020 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

This is a rough scenario. I’m sorry to hear this. It sounds similar to what I have experienced with my mom over the last two years. I vote to protect assets such that as little as possible goes to the “medical industrial complex” and stays in the family. Discuss with mom her estate plan and meet a ...
by guitarguy
Tue Mar 10, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

I just want to touch upon the medical side, if you don't mind. You said your brother is taking care of that. You also stated all decisions will be discussed together as a family. So has your mother clearly stated her own wishes? Is there medical/legal paperwork in place as far as an advance directi...
by guitarguy
Tue Mar 10, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

This is a rough scenario. I’m sorry to hear this. It sounds similar to what I have experienced with my mom over the last two years. I vote to protect assets such that as little as possible goes to the “medical industrial complex” and stays in the family. Discuss with mom her estate plan and meet a ...
by guitarguy
Tue Mar 10, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

... I am also a trustee - meaning it only takes my signature to do anything - while she's alive and after she's gone. I was advised that for matters of real estate, title companies would probably want the signatures of all trustees. (So we had my father resign as trustee before he became too incapa...
by guitarguy
Tue Mar 10, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Re: Parent has ALS; Need Financial & General Advice

OP, Your mother has substantial assets for her medical care. Use them. Why should taxpayers pay for her when she can pay herself? That is not fair and probably not legal. regards. Just to clarify, of course her assets will be used for her care. And we're not talking about doing anything illegal her...
by guitarguy
Tue Mar 10, 2020 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Parent has ALS; Need Financial & General Advice
Replies: 68
Views: 2830

Parent has ALS; Need Financial & General Advice

Hi All, Over the years I have posted here many times and gotten a wealth of advice that has served myself and my family so incredibly well. This will be the the most difficult post to date. Forgive the long backstory... A few weeks ago my mother was officially diagnosed with ALS. 3 years ago she wal...
by guitarguy
Tue Mar 10, 2020 7:17 am
Forum: Personal Finance (Not Investing)
Topic: The unicorn mortgage: 30 year fixed under 3%
Replies: 82
Views: 12259

Re: The unicorn mortgage: 30 year fixed under 3%

260chrisb wrote:
Wed Mar 04, 2020 9:34 am
Well done!! I thought I was living well with my 15 year 3% from four years ago!!
This is where I'm at haha. 15 year at 2.875% in 2015. Not going to bother touching that lol.
by guitarguy
Wed Feb 05, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: NYC w/ 10 month old and no stroller or car seat. Doable?
Replies: 39
Views: 2387

Re: NYC w/ 10 month old and no stroller or car seat. Doable?

Thanks for the advice NYC'ers...you've sold me on not bringing the hiking backpack!

We'll save that for our next hiking trip to CO. :beer
by guitarguy
Wed Feb 05, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: NYC w/ 10 month old and no stroller or car seat. Doable?
Replies: 39
Views: 2387

Re: NYC w/ 10 month old and no stroller or car seat. Doable?

Which airport are you coming to? There is public transport option at each of the airports. Don't carry the frame type carriers. You will have problem at every building to enter for security. Baby Bjorn style carriers are fine and common in NYC . Have a nice back pack baby bag as well with milk, toy...
by guitarguy
Wed Feb 05, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: NYC w/ 10 month old and no stroller or car seat. Doable?
Replies: 39
Views: 2387

Re: NYC w/ 10 month old and no stroller or car seat. Doable?

I agree with the suggestion to use something like the Ergo Carrier. The Baby Bjorn is not as comfortable for the baby or parent when worn for a significant duration. Are these vastly different? Interesting. Will have to look at this. So far the BB has been comfortable for my wife or I to wear and l...
by guitarguy
Wed Feb 05, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: NYC w/ 10 month old and no stroller or car seat. Doable?
Replies: 39
Views: 2387

Re: NYC w/ 10 month old and no stroller or car seat. Doable?

Bring the stroller. If you have any intentions of actually going up into the Statue of Liberty, you must arrange for tickets now. https://www.nps.gov/stli/planyourvisit/fees.htm You can walk in Central Park, but suggest a stroller - you don't want to be run over by those cyclists who stop for no on...
by guitarguy
Tue Feb 04, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: NYC w/ 10 month old and no stroller or car seat. Doable?
Replies: 39
Views: 2387

Re: NYC w/ 10 month old and no stroller or car seat. Doable?

Started going to NYC before there were even interstates down here and kept it up until a few years ago every year or so. By foot NYC is great to see...take the subway up to 125th and walk down to the Village, take another day to walk down to Battery Park and then to the Statue of Liberty and so on,...
by guitarguy
Tue Feb 04, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: NYC w/ 10 month old and no stroller or car seat. Doable?
Replies: 39
Views: 2387

Re: NYC w/ 10 month old and no stroller or car seat. Doable?

Why not bring a stroller? It would make things a lot easier. I took my kids (8 and 4) to NYC last year and brought a cheap umbrella stroller for the 4 year old. It was super helpful. I can confirm you can bring a stroller to the Statue of Liberty (though probably not to the top) and the Natural His...
by guitarguy
Tue Feb 04, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: NYC w/ 10 month old and no stroller or car seat. Doable?
Replies: 39
Views: 2387

Re: NYC w/ 10 month old and no stroller or car seat. Doable?

Check with venue regardless of your choice. I don’t know if there would be a problem with the Osprey carrier pack at Yankee Stadium or parts of Liberty Island for instance. That's a good point. Might have to leave it and take the Baby Bjorn which my wife likes to wear if certain places have size re...
by guitarguy
Tue Feb 04, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: NYC w/ 10 month old and no stroller or car seat. Doable?
Replies: 39
Views: 2387

Re: NYC w/ 10 month old and no stroller or car seat. Doable?

quantAndHold wrote:
Tue Feb 04, 2020 10:47 am
It’s your anniversary. Could a grandparent or someone take the kid?
If we did have someone, we'd be going back to St. Lucia.
by guitarguy
Tue Feb 04, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: NYC w/ 10 month old and no stroller or car seat. Doable?
Replies: 39
Views: 2387

Re: NYC w/ 10 month old and no stroller or car seat. Doable?

Brianmcg321 wrote:
Tue Feb 04, 2020 10:12 am
Find a 45lb dumbell and carry it around for a few days. If your ok, you'll be fine.
Ha. I've done that, up and down a few thousand feet of elevation to boot.

And on this trip I expect baby plus pack to be around 35 lbs. Bonus. :beer
by guitarguy
Tue Feb 04, 2020 10:08 am
Forum: Personal Consumer Issues
Topic: NYC w/ 10 month old and no stroller or car seat. Doable?
Replies: 39
Views: 2387

NYC w/ 10 month old and no stroller or car seat. Doable?

Any New Yorkers here? :D My wife and I are coming up on our 10 year wedding anniversary, and we want to take a trip to NYC. First time there; long weekend trip maybe 3-4 days. The catch: we want to bring our will-be-coming-up-on-11-months-old son with us, and we don't want to bring a car seat or str...
by guitarguy
Fri Jan 10, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Quick Small Business Tax Question
Replies: 7
Views: 227

Re: Quick Small Business Tax Question

Hi All, I purchased a litany of equipment items in spring/summer 2019 for my small business. Nothing expensive enough that I'd be required to depreciate it, but over the year it added up to a few thousand dollars. I planned on taking a regular expense deduction for this as I normally would. In 2020...
by guitarguy
Fri Jan 10, 2020 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Quick Small Business Tax Question
Replies: 7
Views: 227

Re: Quick Small Business Tax Question

Hi All, I purchased a litany of equipment items in spring/summer 2019 for my small business. Nothing expensive enough that I'd be required to depreciate it, but over the year it added up to a few thousand dollars. I planned on taking a regular expense deduction for this as I normally would. In 2020...
by guitarguy
Fri Jan 10, 2020 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Quick Small Business Tax Question
Replies: 7
Views: 227

Quick Small Business Tax Question

Hi All, I purchased a litany of equipment items in spring/summer 2019 for my small business. Nothing expensive enough that I'd be required to depreciate it, but over the year it added up to a few thousand dollars. I planned on taking a regular expense deduction for this as I normally would. In 2020,...
by guitarguy
Wed Jun 19, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Accidentally contributed to tIRA instead of Roth
Replies: 3
Views: 319

Re: Accidentally contributed to tIRA instead of Roth

Whelp...fixed that via a fairly easy online form.

It says we'll be getting an IRS form reporting this...but my thought is there should be no tax implications of this.

Thanks for the advice all!
by guitarguy
Wed Jun 19, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897223

Re: What's Your Credit Card Rewards Strategy?

Man.......

I feel almost honored to have started this thread so long ago and to see it's STILL going!!!!

Crazy.

:D
by guitarguy
Wed Jun 19, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Accidentally contributed to tIRA instead of Roth
Replies: 3
Views: 319

Accidentally contributed to tIRA instead of Roth

Oops. :oops: Last month (mid-May) my wife accidentally contributed to her rollover tIRA (from an old 401k) instead of her Roth. The way Vanguard sets up the accounts...it looks pretty easy to do upon having a look at her online portal. She messaged VG about this and they said she can file a "rechara...
by guitarguy
Wed Jun 05, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Resort vacation w/ 6 month old...?
Replies: 30
Views: 1950

Re: Resort vacation w/ 6 month old...?

I just wanted to chime in with congratulations on the upcoming arrival of the little one! :D Thank you! As a side topic, after years of trying, failed fertility treatments, a miscarriage, a stillbirth, around a 0.5% chance for a successful natural pregnancy...which this is...we could not be more th...
by guitarguy
Wed Jun 05, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Resort vacation w/ 6 month old...?
Replies: 30
Views: 1950

Re: Resort vacation w/ 6 month old...?

We did Disney with a one year old and honestly, it was not bad at all. We enjoyed it. He flew as a lap child and we pushed him in his jogging stroller through the airport and they checked it for free and had it waiting for us when we got off the plane. We also carried stuff below it. .... Our kid c...
by guitarguy
Wed Jun 05, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Resort vacation w/ 6 month old...?
Replies: 30
Views: 1950

Re: Resort vacation w/ 6 month old...?

I thought some of the most relaxing trips were when our children were babies. Their needs at that age are pretty simple, eating (especially breast fed) and taking lots of naps. The most difficult parts were always the getting to and from, i.e. strapped down in a car seat or in a loud airplane. Fort...
by guitarguy
Wed Jun 05, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: Resort vacation w/ 6 month old...?
Replies: 30
Views: 1950

Resort vacation w/ 6 month old...?

Hi all! So we have our first child due here in a couple weeks ( :D ) and being pretty frequent travelers, we are already thinking about booking trip (flight) #2 with the little one. Trip #1 is to visit in-laws...no need to bring big stuff like stroller, pack and play, car seat, etc...all those ameni...
by guitarguy
Mon Feb 11, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Any meal preppers? I need new dishes. [containers]
Replies: 22
Views: 2199

Re: Any meal preppers? I need new dishes.

Ha. When I read the title, I thought you were looking for new recipes. Perhaps change the title to "containers"? When I read the title, I thought this was going to be about long term food storage, such as storing for power outages, earthquakes, or doomsday. Ha...I’m cool with recipes or whatever yo...
by guitarguy
Mon Feb 11, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Any meal preppers? I need new dishes. [containers]
Replies: 22
Views: 2199

Re: Any meal preppers? I need new dishes.

Sounds like glass with snap lids is a good way to go...I will look into those!

Thanks all!!!
by guitarguy
Mon Feb 11, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Any meal preppers? I need new dishes. [containers]
Replies: 22
Views: 2199

Any meal preppers? I need new dishes. [containers]

Hi all! Looking for recommendations on tupperware/containers for bringing lunches to work. We have some Pyrex glassware that always seems to leak if there's anything even remotely juicy in there. Main things I'm looking for: set of 4-5 ideally leak proof (I don't care if it's chili, a fajita bowl, o...
by guitarguy
Mon Feb 11, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Side hustle on resume?
Replies: 15
Views: 1336

Re: Career Advice: Side hustle on resume?

Thanks for the feedback all! I kinda figured that putting it on there could engage dialogue about it...but I didn't think to include an "interests" or "hobbies" section on my resume! That's a thing?? :confused I guess if they brought it up I could engage about all the applicable skills I've learned ...
by guitarguy
Thu Feb 07, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Side hustle on resume?
Replies: 15
Views: 1336

Re: Career Advice: Side hustle on resume?

I have no experience or knowledge whatsoever in this topic, but I wonder if an employer might look at it as a negative in several ways. 1. He has this side gig and will not be focusing on the job I hired him for. 2. He is making a ton of money off the side gig, how soon will he quit to do it full t...
by guitarguy
Thu Feb 07, 2019 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Side hustle on resume?
Replies: 15
Views: 1336

Career Advice: Side hustle on resume?

So I'm an engineer in a technical role at megaautocorp by day, and a side-hustle small business owner (musician/band) by night. At some point in my career, at my current company or elsewhere in another industry, I'd like to transition into more of a project management role with less technical focus....
by guitarguy
Wed Dec 19, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Is my "tax guy" unqualified?? Preparers vs advisors.
Replies: 21
Views: 2361

Re: Is my "tax guy" unqualified?? Preparers vs advisors.

If you use the cash method for reporting your income, you must use the cash method for reporting your expenses. If you use an accrual method for reporting your expenses, you must use an accrual method for figuring your income. Forgive me. I read that...but totally don't get it! :? If you're using t...
by guitarguy
Tue Dec 18, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is my "tax guy" unqualified?? Preparers vs advisors.
Replies: 21
Views: 2361

Re: Is my "tax guy" unqualified?? Preparers vs advisors.

Someone telling you to do something illegal because you probably won't get caught is not good advice. You can switch to the accrual method. Then when you book a hotel and pay for it in December and use the room in January you will not get the expense until Jan. The whole idea is matching expense to...
by guitarguy
Tue Dec 18, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is my "tax guy" unqualified?? Preparers vs advisors.
Replies: 21
Views: 2361

Re: Is my "tax guy" unqualified?? Preparers vs advisors.

Someone telling you to do something illegal because you probably won't get caught is not good advice. You can switch to the accrual method. Then when you book a hotel and pay for it in December and use the room in January you will not get the expense until Jan. The whole idea is matching expense to...