Search found 1680 matches

by J295
Tue Nov 20, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Premium Tax Credit refund
Replies: 4
Views: 317

Re: Premium Tax Credit refund

In your example you will NOT receive an extra $2400
by J295
Tue Nov 20, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Partnership Agreement
Replies: 11
Views: 347

Re: Partnership Agreement

I have experience as a partner, and in witnessing partnerships dissolve. I'm only reflecting back to you what I'm picking up in your comments, which is that Partner A clearly believes he is entitled to have and desires to exercise final say so on any disputed matters. If you can live with that, then...
by J295
Tue Nov 20, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Two Months in Asia
Replies: 7
Views: 456

Re: Health Insurance for Two Months in Asia

Thanks. FYI we reside in USA and have medical insurance here.
by J295
Tue Nov 20, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Premium Tax Credit refund
Replies: 4
Views: 317

Re: Premium Tax Credit refund

No....
by J295
Tue Nov 20, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Two Months in Asia
Replies: 7
Views: 456

Health Insurance for Two Months in Asia

I will contact my insurance carrier to see if I have emergency coverage while traveling in Asia for a couple of months. In advance of that information, what does the group recommend for best practices for health needs when traveling in Asia (will be based out of Singapore and spend most of time ther...
by J295
Tue Nov 20, 2018 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Ownership in family business
Replies: 4
Views: 500

Re: Ownership in family business

Type of business/profession? If a service (you described it as the "practice") what are the hard assets? What does the company own? (In my former law firm we drew out all of the income every year, so the material "value" was the receivables and good will/clients. The major liability was the long ter...
by J295
Sun Nov 18, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9540

Re: Granddaughter needs $ help for university

I am not the least bit surprised. Best wishes to all involved
by J295
Fri Nov 16, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2037

Re: Global Entry Turnaround Time ?

OP here ... Just received a conditional approval. It took five weeks FYI.
by J295
Thu Nov 15, 2018 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 76
Views: 9993

Re: My Edward Jones IRA is out performing my Vanguard 401K

I can’t really tell from the thread… Has the net return over the past year in the Edward Jones account exceeded the net return from the Vanguard account?
by J295
Thu Nov 15, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: ACA MAGI, dependent, and subsidies questions
Replies: 17
Views: 1046

Re: ACA MAGI, dependent, and subsidies questions

FYI re recorded line with IRS .... they won't answer questions like this (likely won't know the answers) and in any event you cannot rely on whatever responses you receive rather recorded or not. This is not a pejorative statement regarding the IRS. It's just a factual and legally true.
by J295
Wed Nov 14, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: rule of thumb for using HSA funds?
Replies: 40
Views: 3264

Re: rule of thumb for using HSA funds?

Rule of thumb..... if you can afford it, pay everything out of your non-HSA resources.
by J295
Tue Nov 13, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Am I daft...Cannot pay Elan with my Fidelity account
Replies: 4
Views: 674

Re: Am I daft...Cannot pay Elan with my Fidelity account

Call Fido. Call them now, that's the advantage of their set up. It's a little unique as I recall because (as is on our checks) the bank involved is UMB (United Missouri Bank). I just put the routing info on a blank check in our book so I don't have to call when I need this info from time to time. Cu...
by J295
Tue Nov 13, 2018 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 19
Views: 1674

Re: Downloadable Social Security Benefit Estimator (2019 Update)

I’m 59 so a few years away from making decisions, but just want to give a big shout out to OP for providing this! Really generous of you.
by J295
Tue Nov 13, 2018 6:01 am
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2037

Re: Global Entry Turnaround Time ?

Thanks Cruise.
by J295
Mon Nov 12, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9540

Re: Granddaughter needs $ help for university

Minty. Good for you!
by J295
Mon Nov 12, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9540

Re: Granddaughter needs $ help for university

Interesting how this morphed from a question on what cosigning is about, to advising OP that he might consider telling his granddaughter to change majors or go to a different university or a community college. Most of the comments assume that the worst-case will in fact occur. That is, the granddaug...
by J295
Mon Nov 12, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2037

Re: Global Entry Turnaround Time ?

Thanks for the info ... good to know ... I'll keep checking ....
by J295
Mon Nov 12, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4630

Re: How to deposit cash in online account with no local branch

Several hundred dollars of cash .... not joking here .... take it to the grocery store or restaurant anyplace else you typically charge the cost and spend it .... Oh yes, I'll miss out on the 2% cash back ..... on $500 that's $10 and I can live with that outcome to save me the hassle of getting it d...
by J295
Mon Nov 12, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Fuel system cleaning for old SUV $269!!
Replies: 17
Views: 1188

Re: Fuel system cleaning for old SUV $269!!

I like to go to the Lexus Forum for questions like this .... pretty knowledgeable crew there and you can post your question under the sub group for your vehicle and generation (model years). May be a great idea to have done or a poor one ... I have no idea..... I do know the dealership service is ex...
by J295
Mon Nov 12, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2037

Re: Global Entry Turnaround Time ?

Well, maybe I answered a question where "no good deed goes unpunished." The question was have you ever been convicted of a crime, and I stated yes and described it, which was "speeding ticket many years ago." Technically, I didn't bother to search whether it is in fact a crime in our state (you lose...
by J295
Mon Nov 12, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9540

Re: Granddaughter needs $ help for university

Sorry for the loss of your son, and your DIL challenges now ..... Co-sign means both you and granddaughter are equally liable, so the lender (school) can pursue either of you for payment (they don't have to pursue her first). Don't know any of the dynamics personally or financially and you didn't as...
by J295
Mon Nov 12, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Global Entry Turnaround Time ?
Replies: 28
Views: 2037

Global Entry Turnaround Time ?

Been in pending review status about a month now .... anyone have recent experience on time frame to get a review completed (after which I schedule the interview). Just curious ..... although would be quite nice to have before heading to Asia after the first of the year ......Thanks.
by J295
Mon Nov 12, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Quick Turnaround for Passport Applications (No Payment for Expedited Processing)
Replies: 18
Views: 1628

Re: Quick Turnaround for Passport Applications (No Payment for Expedited Processing)

yep. just renewed sending to somewhere in the eastern US (can't recall where) and got turnaround in a couple of weeks.

now, getting turnaround on global entry seems to be another story ... been waiting a month now and status is still pending
by J295
Mon Nov 12, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: The Perfect Portfolio for You
Replies: 27
Views: 4258

Re: The Perfect Portfolio for You

Exactly Rick ! Golf is no different ..... there are a few fundamentals and once those are solidly in place the "swing" is personal to each golfer. To search for the abstract "perfect swing" and attempt to copy it and ignore your personal swing is unproductive. With acknowledgment to Taylor and vario...
by J295
Sat Nov 10, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6224

Re: Strategy during the last stock market decline

Check allocations quarterly and only adjust if off by 5% or more. Adjust allocations annually as we are age based allocation formula (110 - age = equity)
by J295
Thu Nov 08, 2018 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: what to do with 403b and 457 $$
Replies: 2
Views: 331

what to do with 403b and 457 $$

Daughter taught school in Massachusetts and then in California. She is going to figure out what to do with her 403b $$ (Mass) and 457 $$ (Cal), but was hoping I could give her a little direction. The amounts are not substantial ($10k total). Generally, what are her options/what do people generally r...
by J295
Thu Nov 08, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4054

Re: tipping for grocery delivery

Always tip for about everything. But, we're retired and have the $$ and are happy to share such nominal amounts.
by J295
Thu Nov 08, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Loan/line-of-credit options to qualify for ACA subsidy?
Replies: 6
Views: 357

Re: Loan/line-of-credit options to qualify for ACA subsidy?

HELOC is a good option. Notes: I assume you do not have an HSA with substantial unreimbursed medical expenses that you could now withdraw tax free. Also look at the other threads here and see if there are ways you can reduce your MAGI. I am only familiar with ACA premium tax credit planning when bot...
by J295
Thu Nov 08, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 752
Views: 219856

Re: Share your net worth progression

Higher than it was three week ago
by J295
Wed Nov 07, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Lenovo Computer
Replies: 3
Views: 713

Lenovo Computer

Should we purchase our new one online direct, or from Best Buy?
by J295
Wed Nov 07, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Fees in Fidelity Solo 401k
Replies: 6
Views: 503

Re: Fees in Fidelity Solo 401k

Can tell you that if you have other funds at Fido you can transfer from your brokerage account into your solo 401k with a phone call.
by J295
Tue Nov 06, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking lot loan to build house
Replies: 19
Views: 1326

Re: Seeking lot loan to build house

OP. Walk us through your financial analysis on how this will have a successful outcome for you. Thanks.
by J295
Tue Nov 06, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee of inherited business
Replies: 20
Views: 1380

Re: Trustee of inherited business

Reading the dialogue with Gill and OP ..... OP should recognize that he has not only certain rights as the sole Trustee, but also certain responsibilities to the beneficiaries (which include his brother). Breach those responsibilities and subject yourself to legal liability. This wouldn't be the fir...
by J295
Tue Nov 06, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking lot loan to build house
Replies: 19
Views: 1326

Re: Seeking lot loan to build house

Boo to the harsh naysayers ...... I haven't put pencil to paper to figure out if you can do this, but early on in a career/family things are indeed tight ..... We had three kids ages 6, 4, and 2 when we purchased a lot in 1992 at 12% interest rate .... then built a home ... then built a life and now...
by J295
Tue Nov 06, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14622

Re: How much money are you leaving your kids after you die?

Leaving everything to spouse, then kids. They are all responsible adults and the money will be an extra safety net. No worries whatsoever.
by J295
Mon Nov 05, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting Bankruptcy Assets
Replies: 6
Views: 1017

Re: Protecting Bankruptcy Assets

Sorry about this serious illness that won’t get better… Given that fact, what is the reason for filing now?
by J295
Mon Nov 05, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee of inherited business
Replies: 20
Views: 1380

Re: Trustee of inherited business

Get lawyer. Sell company
by J295
Sun Nov 04, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to buy house out of blue but wants us to come up with offer
Replies: 31
Views: 5296

Re: Neighbor wants to buy house out of blue but wants us to come up with offer

If you want to sell it take all the mystery out of the process and sell it for fair market value. If you don’t want to sell it just tell them. If you start a dialogue, be prepared to sell if a reasonable negotiation achieves a fair number. To do otherwise is not only bad form, but you could be burni...
by J295
Sun Nov 04, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Attorney vs Willmaker for simple estate planning
Replies: 6
Views: 721

Re: Attorney vs Willmaker for simple estate planning

Why do you need to update your will? Standing alone, typically the birth of another child does not require a codicil to a well drafted simple will
by J295
Sun Nov 04, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Breaking Up and Staying On Good Terms with an Advisor
Replies: 42
Views: 5258

Re: Breaking Up and Staying On Good Terms with an Advisor

Daryl’s letter/email or something like that seems quite reasonable. I think there’s way too much projected drama surrounding this. It’s pretty straightforward. People in the service business gain and lose clients all the time. And, respectfully, my guess is that your account will not make or break h...
by J295
Sun Nov 04, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Buy house without agent
Replies: 28
Views: 2324

Re: Buy house without agent

Pinotage » Sun Nov 04, 2018 7:04 am OP: Based on your previous post about being dissatisfied, I think it is a good idea for you to move forward without an agent. squirm wrote: Anyways, we have an agent, but as usual, they seem useless except for opening the door. She points out stupid things such a...
by J295
Fri Nov 02, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Visa Rewards - Do you move the cash out of Fido?
Replies: 47
Views: 3455

Re: Fidelity Visa Rewards - Do you move the cash out of Fido?

It goes into our account at Fido and we use it just like any other cash there
by J295
Fri Nov 02, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: UberEats insurance & liability
Replies: 8
Views: 1390

Re: UberEats insurance & liability

Don't know your family dynamics, but consider not being too hard on him ..... good chance to help him problem solve and develop some creative solutions ....
by J295
Fri Nov 02, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Panic set in... now what?
Replies: 63
Views: 10954

Re: Panic set in... now what?

Don't sweat the decisions you made .... hopefully you've learned something about and have a high motivation to settle in on an allocation you can live with regardless of market conditions. I've been retired for 6 years (now 59), so I understand that part of your situation. Here's what works for us: ...
by J295
Fri Nov 02, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Bonds vs CDs
Replies: 39
Views: 4365

Re: Bonds vs CDs

We own bonds AND CDs AND other non-equity assets.

This does not have to be either/or ... .it can be both/and
by J295
Thu Nov 01, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Selling House Directly to Buyer
Replies: 28
Views: 2649

Re: Selling House Directly to Buyer

Use a good realtor (discounted fee) or good lawyer with experience in residential real estate. There are a number of nuances in the various states that make engaging a professional worthwhile. (For example, does your state require seller disclosures, is a lead based paint or other special disclosure...