Search found 447 matches

by astrohip
Thu May 23, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8388

Re: Anyone else looking forward to Game of Thrones?

The ending is the concluding narrative, in your terms the journey. The end is the destination. You are trying to make a distinction where there is none. You've both quoted me out of context, and misconstrued me. Let's make it simple: Both versions, the books and the TV show, will have the same conc...
by astrohip
Wed May 22, 2019 6:05 pm
Forum: Investing - Theory, News & General
Topic: How does the charitable fund deduction work?
Replies: 20
Views: 1006

Re: How does the charitable fund deduction work?

I'm in the process of setting up one at Fidelity. Thanks for all the info in this thread, great timing!
by astrohip
Wed May 22, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8388

Re: Anyone else looking forward to Game of Thrones?

Actually GRRM has said that his ending will be different. Not quite. Here is what he actually said, and this is a quote: “How will it all end? I hear people asking,” the scribe writes in a recent post on his blog. “The same ending as the show? Different? Well… yes. And no. And yes. And no. And yes....
by astrohip
Wed May 22, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8388

Re: Anyone else looking forward to Game of Thrones?

I'm a little surprised by the IMDB rankings. Not the general trend, but season 7 compared to 8. I thought the finale was terrible bordering on silly, but overall I'd say season 8 beats out season 7, which was just painful to watch. Rankings like that are mainly naysayers piling on. The reason you'r...
by astrohip
Wed May 22, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8388

Re: Anyone else looking forward to Game of Thrones?

Eight year thread bump! I've become a Game of Thrones fanatic, as have about 30 million others. Ended up reading the books, and have watched each episode as it airs. Superbly written series, great drama, plotting, action. And dragons! Who knew? I've read through several volumes of Terry Goodkind's ...
by astrohip
Tue May 21, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8388

Re: Anyone else looking forward to Game of Thrones?

. Daenerys's actions don't make sense, She's been on the verge of making rash, impulsive decisions since day one. She's had advisers to keep her in check. Combined with the loss of two of her children, plus Missandei and Ser Jorah, her actions were entirely predictable. She's wanted to burn cities ...
by astrohip
Tue May 21, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8388

Re: Anyone else looking forward to Game of Thrones?

I thought it was pretty good. I think a lot of that (the ratings) is people piling on.

Remember they had to follow GRRM's story, so the ending was HIS ending. And admittedly, it was tough to make palatable, he created a monster of a story line. Far too convoluted.

Nonetheless, I enjoyed it.
by astrohip
Wed May 08, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8388

Re: Anyone else looking forward to Game of Thrones?

I thought this past episode (S08E04) was terrible. If the next episode is as bad (I don't see how it could be better after what they have done) I am not sure I will even want to even finish the series. Kind of sad because this was my favorite show. At least now I will be motivated to read the books...
by astrohip
Wed May 08, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8388

Re: Anyone else looking forward to Game of Thrones?

I don't get the hype and probably never will. It's a phenomenally addictive show. Well written, superbly cast, with a great story. There's a reason it's now the #1 rated show on TV, which is amazing when you consider it's pay cable, not free. Over 30 million viewers a week. Paid viewers! No telling...
by astrohip
Mon May 06, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8388

Re: Anyone else looking forward to Game of Thrones?

Eight year thread bump!

I've become a Game of Thrones fanatic, as have about 30 million others. Ended up reading the books, and have watched each episode as it airs. Superbly written series, great drama, plotting, action. And dragons! Who knew?
by astrohip
Sun Apr 28, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 223
Views: 25859

Re: LED lightbulbs

1000bulbs.com is my go to for exotic lamps. For example, https://www.1000bulbs.com/category/3000k--medium-base-high-output-a-lamps/ I second 1000bulbs. Not only do they have a great selection, many (most?) of their bulbs have all the info listed--from the std like lumens & Kelvin, to the more obscu...
by astrohip
Wed Mar 06, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Which assets to move to a trust (cost basis related question)
Replies: 2
Views: 236

Re: Which assets to move to a trust (cost basis related question)

Thanks. In general, with the little bit of knowledge I've shared, what type of assets to transfer, or does it even matter?
by astrohip
Wed Mar 06, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Which assets to move to a trust (cost basis related question)
Replies: 2
Views: 236

Which assets to move to a trust (cost basis related question)

A relative is setting up an irrevocable trust for each of her kids. Fed ID #s have been assigned (I understand this matters to cost basis). I am the trustee for the trusts. She is going to move significant assets (low 7 figures) from her Fidelity account to each of the trusts. She has asked me which...
by astrohip
Mon Sep 17, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Finding an investment for soon-to-be-received large sum
Replies: 10
Views: 1216

Re: Finding an investment for soon-to-be-received large sum

The problem with sweat equity RE is we're not a single person, but a partnership. Living in four states. No way sweat equity can work. Great idea, wrong application. As far as that Mack truck, that's why I want a passive investment. Should I go, a passive investment can continue without much of a hi...
by astrohip
Sun Sep 16, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Finding an investment for soon-to-be-received large sum
Replies: 10
Views: 1216

Re: Finding an investment for soon-to-be-received large sum

We are not looking to buy a property by ourselves, that would be too close to "active". If we do more real estate, which is certainly a possibility, it would be as a passive investor, part of a larger partnership. What I'm hoping to get from the collective wisdom of the BogleVerse is ideas. Real est...
by astrohip
Sun Sep 16, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Finding an investment for soon-to-be-received large sum
Replies: 10
Views: 1216

Re: Finding an investment for soon-to-be-received large sum

... But it does need to be passive; we don't have the ability to manage rentals, or whatnot.... If the investment needs to be passive I'd say that the proceeds need to be divided up and let each "partner" go his/her own way. Letting each partner go their own way also gets you "off the hooK' for the...
by astrohip
Sun Sep 16, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Finding an investment for soon-to-be-received large sum
Replies: 10
Views: 1216

Finding an investment for soon-to-be-received large sum

Need feedback on investment options for a partnership that's about to receive a mid-seven figure payment. Background: This is a family partnership, with several members. We have an asset, that if it sells, will bring in mid-seven figures to the partnership, after taxes. None of the partners have any...
by astrohip
Fri Jul 06, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Best Pellet Smoker for the money? Rec Tec?
Replies: 8
Views: 1633

Re: Best Pellet Smoker for the money? Rec Tec?

Bumping an old thread... I'm an avid BBQ/smoker. I started on a Weber Smoky Mountain (still love it), and then bought a stickburner (barrel smoker with firebox attached). Harder to control the temp, but amazing flavor with a smoke ring to die for. I just bought a Camp Chef Pellet Grill last week. O....
by astrohip
Sun May 06, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to a Condo -- Educate me on Insurance
Replies: 10
Views: 1343

Re: Moving to a Condo -- Educate me on Insurance

...Also, I've seen the projected first year's budget, they plan for $2MM in revenue, and about 10% of that is estimated to be an additional reserve. If this is a new ("projected first year's budget") condo development then there is a lot you don't know. Are the assessments reasonable given the size...
by astrohip
Sun May 06, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Moving to a Condo -- Educate me on Insurance
Replies: 10
Views: 1343

Re: Moving to a Condo -- Educate me on Insurance

not insurance but take a look at the condo reserves. I have seen some HOA dues very low at the start so buyers aren't put off. The developer controls the HOA at the beginning for a period of time. Condo boards can be susceptible to owners wanting low annual fees. Which of course brings the risk of ...
by astrohip
Sat May 05, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to a Condo -- Educate me on Insurance
Replies: 10
Views: 1343

Re: Moving to a Condo -- Educate me on Insurance

Presuming you'll still be in Texas (as indicated on your profile) it might be helpful to play around on this webpage. It identifies what risks/losses the various kinds of condo insurance cover http://www.opic.texas.gov/residential-property/compare-policy-coverages/condo-comparison Interesting. Alre...
by astrohip
Sat May 05, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to a Condo -- Educate me on Insurance
Replies: 10
Views: 1343

Moving to a Condo -- Educate me on Insurance

After living my entire life in a SFH, we are moving to a condo soon. How does homeowner's insurance work? Is it typically more or less than the equivalent SFH insurance?

What do I need to be aware of, as a first time condo owner?

Thanks in advance!
by astrohip
Thu May 03, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Transfer stocks & funds from Fidelity to Vanguard?
Replies: 3
Views: 970

Transfer stocks & funds from Fidelity to Vanguard?

I have a VG account, happy with it. Consolidated all my investments (of this type) to VG years ago, to simplify things, and make it easier on my wife one day. I was recently required to open a Fidelity account to receive some stocks & funds being transferred to me. It was a non-taxable transfer of h...
by astrohip
Sun Feb 04, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 16100

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

I was too late to the party but who needs it? I'm perfectly happy with my Quicken 2000 CD that I received free from Citibank in 2000. I've used it on half a dozen computers or more. My Quicken is $0 cost every year. Just to be clear, while you can use an older Quicken forever (my sister is using 20...
by astrohip
Sun Jan 07, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 81804

Re: Quicken's future direction - a cause for concern

I took a break from Quicken in 2017 after 22 years of use. I updated my records once in Feb and again in July otherwise ignored it other than updating some cost basis information. Decided a few weeks ago I needed to invest time in data cleansing or stop all together. Decided to do the data cleansin...
by astrohip
Sat Dec 09, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 81804

Re: Quicken's future direction - a cause for concern

IIRC what private equity ownership means, is milk and cut the business, for short term gain, then if the slim company can't survive at least they got theirs, goodbye Quicken seems to me, I imagine subscriptions and online could have worked , meanwhile Intuit has a corner of what software still mean...
by astrohip
Thu Nov 16, 2017 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Handling Reinv Divs from Separate Property Stock
Replies: 2
Views: 449

Re: Handling Reinv Divs from Separate Property Stock

I'm no expert... but according to the interwebs it seems to vary by state. Looks like you're in Texas.....I just did a brief googleing and found this: http://www.ondafamilylaw.com/property-division/assets/stocks/ IMHO.... I would think it would be better to keep it as simple as you can and not have...
by astrohip
Tue Nov 14, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Handling Reinv Divs from Separate Property Stock
Replies: 2
Views: 449

Handling Reinv Divs from Separate Property Stock

Situation: Married person in a community property state gets a gift* of mutual fund shares from a grandfather. Person sets up a Vanguard account called "Married Person Special Account", to hold the shares, and to make it easy for the transfer to be made (VG to VG account). It will be separate proper...
by astrohip
Sun Aug 20, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a 2nd Mortgage vs Combining into one new note
Replies: 7
Views: 896

Re: Adding a 2nd Mortgage vs Combining into one new note

Different issue. If it is 2 notes he can pay off/back the smaller note at higher int separate from the first and improve cash flow at some point but if it is 2 notes unless you allow for recast that isnt possible plus he is permanently paying a higher rate on the first 100k then if he paid off the ...
by astrohip
Sun Aug 20, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a 2nd Mortgage vs Combining into one new note
Replies: 7
Views: 896

Re: Adding a 2nd Mortgage vs Combining into one new note

Thanks, good info. I was thinking "convenience" factor, but you've given me some other solid reasons to do it.
by astrohip
Sun Aug 20, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Adding a 2nd Mortgage vs Combining into one new note
Replies: 7
Views: 896

Adding a 2nd Mortgage vs Combining into one new note

I hold an owner finance mortgage, let's call it $100,000 at 4.5% 30 yrs, note is approx $507. Owner wants to take out some cash, $20,000 at 6.5% 30 yrs, 2nd note would be approx $126. Combined payment is $633. Is there any difference between keeping it as two separate notes, or doing a complete refi...
by astrohip
Fri Apr 14, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Hearing aids: has anyone used a CROS hearing aid?
Replies: 18
Views: 2971

Re: Hearing aids: has anyone used a CROS hearing aid?

the near-absence of sound at, say, 5,000 Hz can be a usable cue that the source is above you. Interesting info. The advances in all hearing-assisted devices is amazing. One concern: For most of us with late-deafened loss, there is *nothing* left above 5,000. The dropoff at 1K is like a cliff. I'd b...
by astrohip
Fri Apr 14, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Hearing aids: has anyone used a CROS hearing aid?
Replies: 18
Views: 2971

Re: Hearing aids: has anyone used a CROS hearing aid?

If you in fact have moderate to severe or greater hearing loss in the one ear, I would investigate cochlear implants. I will second this, as I have a CI. I am a late-deafened adult, now 61, started losing my hearing in my 40s. I got a Cochlear Implant about 7-8 years ago. Was the best decision I ev...
by astrohip
Fri Apr 14, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Hearing aids: has anyone used a CROS hearing aid?
Replies: 18
Views: 2971

Re: Hearing aids: has anyone used a CROS hearing aid?

If you in fact have moderate to severe or greater hearing loss in the one ear, I would investigate cochlear implants. I will second this, as I have a CI. I am a late-deafened adult, now 61, started losing my hearing in my 40s. I got a Cochlear Implant about 7-8 years ago. Was the best decision I ev...
by astrohip
Fri Oct 07, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: Laptop ideas
Replies: 41
Views: 4420

Re: Laptop ideas

I've been a Lenovo fan for years, they make a rock-solid, long lasting tank of a laptop. BUT... If you do get a Lenovo, make sure you get one of the business-class ones (Thinkpads). Lenovo has been caught three times in the past year or so intentionally preinstalling things I would consider malware ...
by astrohip
Fri Sep 16, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage with ag exemption
Replies: 13
Views: 3885

Re: mortgage with ag exemption

Go to the tax appraisal district web site and click on forms and look for Form 50-129 which is the form you complete to file for Ag Exempt. About the third paragraph down you will find: On or after Jan. 1, 2008, an individual is not entitled to have land designated for agricultural use if the land ...
by astrohip
Fri Sep 16, 2016 8:17 am
Forum: Personal Finance (Not Investing)
Topic: mortgage with ag exemption
Replies: 13
Views: 3885

Re: mortgage with ag exemption

I am going through the same Ag Exempt issue. The problem is you cannot take equity out of property that is Ag Exempt in Texas. (TX50a6). I have looked & googled all over the place, and can't find anything tying TX50a6 to an ag exemption. There are homestead clauses, but nothing specific to an ag ex...
by astrohip
Fri Aug 19, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Which financial program to get? Quickbooks vs YNAB vs others
Replies: 52
Views: 9613

Re: Which financial program to get? Quickbooks vs YNAB vs others

Next may be setting up bill pay out of the checking account. As an aside, while I am a heavy Quicken user, I do not use their Bill Pay feature. I have -zero- desire to give them my bank account info. Of the four other family members that use Q, only one uses Q BillPay. I do let Q d/l credit card tr...
by astrohip
Tue Aug 02, 2016 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting partnerships to kids; do they need a pre-nup?
Replies: 46
Views: 4464

Re: Gifting partnerships to kids; do they need a pre-nup?

OP and others, referring to this as 'pre-nuptual' or 'post-nuptual' agreements is coloring the discussion with negative connotations. pre-nups are a lightning rod for strong feelings on this forum and in any relationship. and for good reason. i suggest that when OP discusses these matters with the ...
by astrohip
Mon Aug 01, 2016 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting partnerships to kids; do they need a pre-nup?
Replies: 46
Views: 4464

Re: Gifting partnerships to kids; do they need a pre-nup?

I have seen estates being settled among multiple heirs who disagreed on the disposition of ONE house. It was not pretty. Some heirs felt they should be able to buy it for half price from the other co-owners. Some thought that they should all continue to co-own the beach property as they regarded it...
by astrohip
Mon Aug 01, 2016 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting partnerships to kids; do they need a pre-nup?
Replies: 46
Views: 4464

Re: Gifting partnerships to kids; do they need a pre-nup?

Again, great feedback. I've come to understand the hard feelings or resentment that may well be generated by certain requests (post-nup in particular), and will make sure to avoid those land mines. It's been enlightening listening to all of you. This entire strategy was designed to help us from an e...
by astrohip
Mon Aug 01, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Gifting partnerships to kids; do they need a pre-nup?
Replies: 46
Views: 4464

Re: Gifting partnerships to kids; do they need a pre-nup?

You seem to have thought this all out, but I think you're making a rather drastic mistake assuming age has anything to do with maturity level and/or ability to manage a partnership. Obviously you are wanting to use this as a learning experience, but if you keel over tomorrow, do they all automatica...
by astrohip
Mon Aug 01, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Gifting partnerships to kids; do they need a pre-nup?
Replies: 46
Views: 4464

Re: Gifting partnerships to kids; do they need a pre-nup?

Runner01 wrote:Are your kids okay with this? I know I wouldn't be, however I have the benefit of not being very materialistic so I can put personal values above money.
Are they ok with what, specifically?
by astrohip
Mon Aug 01, 2016 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Gifting partnerships to kids; do they need a pre-nup?
Replies: 46
Views: 4464

Re: Gifting partnerships to kids; do they need a pre-nup?

astro, It is not clear to me if you are trying to gift the income from the partnerships or partnership shares. Your posts seem to say it both ways. Regardless, I see many potential problems: I thought I had made it very clear above. We are gifting them the partnerships. They will own it, and they w...
by astrohip
Sun Jul 31, 2016 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting partnerships to kids; do they need a pre-nup?
Replies: 46
Views: 4464

Re: Gifting partnerships to kids; do they need a pre-nup?

Thanks again, to all. Very interesting responses. Y'all have convinced me to take a serious look at trusts. I can see how my cold, hard, logical (hello Mr. Spock) POV may not be representative of all parties. :shock: And I get along *very* well with all spouses. I really do. None of this is a reflec...
by astrohip
Sun Jul 31, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting partnerships to kids; do they need a pre-nup?
Replies: 46
Views: 4464

Re: Gifting partnerships to kids; do they need a pre-nup?

fpr4 wrote:So you don't believe in the institution of marriage?
I must have missed something. How did this come out of my response?
by astrohip
Sun Jul 31, 2016 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting partnerships to kids; do they need a pre-nup?
Replies: 46
Views: 4464

Re: Gifting partnerships to kids; do they need a pre-nup?

My intent is not to lock in our kids forever, just at the beginning. For example, the buy-sell says if 60% of shareholders want to do something, they can. So if the majority of our kids want to sell it, or change the rules, they can. And in reality, I would expect them to change things as they get o...
by astrohip
Sun Jul 31, 2016 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting partnerships to kids; do they need a pre-nup?
Replies: 46
Views: 4464

Re: Gifting partnerships to kids; do they need a pre-nup?

What about a deliberate effort by John to turn the assets into community property? How much control are you really willing to give up? How upset would you be if John decides that that's the way he wants to honor his marriage vows? I'm not saying John should do that, but he could, so it's something ...
by astrohip
Sat Jul 30, 2016 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting partnerships to kids; do they need a pre-nup?
Replies: 46
Views: 4464

Re: Gifting partnerships to kids; do they need a pre-nup?

Thanks, appreciate the advice (and well said). I need to cogitate on this a while.