Search found 211 matches
- Wed Jul 21, 2021 4:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: out of town, purse stolen, starting new in NYC
- Replies: 7
- Views: 1072
out of town, purse stolen, starting new in NYC
I was visiting Washington, DC when I became a victim of crime recently, with my car, phone, id, credit cards, keys, everything stolen, and got free of the crime wearing the same clothes for weeks. Someone changed my password and address at Vanguard. I'm single and my siblings and parents are dead. I think I am going to solve this myself. I'm looking for ideas. I ran into an unexpected problem ; two factor authentication and not having my phone. No financial page likes me using library devices. Western Union wants id. Does it make sense to visit Vanguard in Malvern? Tomorrow I am taking $17.50 to DMV in a money order to get a replacement drivers license. I'm starting fresh in NYC where I own property but someone else is living in it. Does an...
- Sat Mar 28, 2020 3:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: “Courage! We have been here before”
- Replies: 20
- Views: 2410
Re: “Courage! We have been here before”
Thank you! I appreciate the perspective!
- Sat Feb 29, 2020 1:47 pm
- Forum: Personal Consumer Issues
- Topic: Free Blue Apron meals
- Replies: 3
- Views: 574
Re: Free Blue Apron meals
Thank you, Loandapper!
- Thu Feb 27, 2020 10:10 am
- Forum: Personal Investments
- Topic: What did you learn from the 2/24 sell off?
- Replies: 327
- Views: 28085
Re: What did you learn from the 2/24 sell off?
What did I learn from the 2/24 sell off? (And 25)
1) It was time to invest money in my Roth that was in a money market account.
2) I don't think I want to buy a house this year, because I am not interested in protecting the cash I put aside for it. I'm going to buy sales in equities.
1) It was time to invest money in my Roth that was in a money market account.
2) I don't think I want to buy a house this year, because I am not interested in protecting the cash I put aside for it. I'm going to buy sales in equities.
- Thu Jan 23, 2020 5:18 am
- Forum: US Chapters
- Topic: Sad news: LadyGeek's husband has passed
- Replies: 352
- Views: 37565
Re: Sad news: LadyGeek's husband has passed
I'm so sorry for your loss, LadyGeek. I'm very grateful you shared what you learned.
- Mon Nov 25, 2019 3:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: Where to take out a Roth 401k loan?
- Replies: 12
- Views: 931
Re: Where to take out a Roth 401k loan?
To clarify, I have a Roth IRA. To take a loan from the Roth, I'm planning to transfer part of it to a new solo Roth 401k. TD Ameritrade was my intended transfer place (they do loans from solo Roth 401k), but they are being bought by Schwab. I'm curious if anyone knew of another company to set up the solo Roth 401k. I realize I forgot to say I'm planning to set up a solo (individual) Roth 401k. Don't know how to edit the subject!
- Mon Nov 25, 2019 6:24 am
- Forum: Personal Finance (Not Investing)
- Topic: Where to take out a Roth 401k loan?
- Replies: 12
- Views: 931
Re: Where to take out a Roth 401k loan?
Roth 401k. Plan to take a five year loan. Want to know where to take it out, since, for example, Vanguard doesn't allow loans and E-Trade only allows traditional 401k loans, not Roth 401k loans.
I wanted to know what people learned about where to do it.
Thanks.
I wanted to know what people learned about where to do it.
Thanks.
- Mon Nov 25, 2019 6:20 am
- Forum: Personal Consumer Issues
- Topic: Stinky Front Loader (Washer)
- Replies: 66
- Views: 8041
- Mon Nov 25, 2019 6:15 am
- Forum: Personal Consumer Issues
- Topic: Stinky Front Loader (Washer)
- Replies: 66
- Views: 8041
Re: Stinky Front Loader (Washer)
I did that too, first figuring out leaving it open was necessary.... I also got rid of the washer later.forgeblast wrote: ↑Tue Nov 05, 2019 8:16 am What we do is to make sure the last load we run that day is whites with bleach. Then as soon as its done keep the door open and it stays smelling nice.
- Mon Nov 25, 2019 4:21 am
- Forum: Personal Finance (Not Investing)
- Topic: Where to take out a Roth 401k loan?
- Replies: 12
- Views: 931
Where to take out a Roth 401k loan?
I'm taking a small five year loan from my large Roth account. Has anyone identified a good place to set up a Roth 401k to take out a loan?
I am not interested in hearing why I should not do it.
Thank you!
I am not interested in hearing why I should not do it.
Thank you!
- Sun Oct 27, 2019 5:45 pm
- Forum: Personal Consumer Issues
- Topic: Wi-Fi Calling on AT&T
- Replies: 17
- Views: 1771
Re: Wi-Fi Calling on AT&T
I had the same issue you describe. I have 6 plus and AT&T and only recently found it giving me "No Service" alert in the same way you said. This happened at a university in the East coast where it had worked before.
- Thu Sep 19, 2019 5:22 pm
- Forum: Personal Consumer Issues
- Topic: Alternatives to Subaru Outback?
- Replies: 84
- Views: 15296
Re: Alternatives to Subaru Outback?
Just an fyi re the Honda CRV. Make sure the driver's seat is comfortable if you and your DW are looking at one. I drove a family member's Honda CRV many times and it was nowhere near as comfortable as the Subaru Outback and Forester. It was just way too big no matter what I tried to do to the seat.
- Thu Sep 19, 2019 5:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I actually finance this car?
- Replies: 28
- Views: 2518
Re: Should I actually finance this car?
No, you're not an idiot. A piece of info re Subaru you probably already know. It is ALL negotiable. Have fun with your purchase. The Legacy was one of my favorite cars, and kept me safe when an idiot collided with it. Airbags worked. Got a surprisingly good insurance payment on my totaled car. I own a Forester now.
Just FYI: I think $30k for a 2019 is high. 2020 top version of the Legacy runs at $29,745.
Just FYI: I think $30k for a 2019 is high. 2020 top version of the Legacy runs at $29,745.
- Mon Jul 22, 2019 7:06 am
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 11151
- Views: 2085981
Re: What Movie Have You Recently Watched?
sedonashine wrote: ↑Sun Jul 21, 2019 2:00 am "A SINGLE FRAME" amazon prime....heartbreaking,yet very inspired ..one American's quest to find a child in a photo taken in war torn Kosovo
I watched "A Single Frame" yesterday and it was very well done and memorable. Thanks for telling me about it.
- Sat Jul 13, 2019 4:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best Way to Receive/Handle Money at Real Estate Closing
- Replies: 5
- Views: 1039
Best Way to Receive/Handle Money at Real Estate Closing
I bought a house with cash four years ago and I am selling it to a cash buyer next week. I will be receiving a lot of cash, probably first wired to my lawyer.
What is the best way to handle the money after the closing? My goal is to put it in my Vanguard money market account. I planned to deposit it in my local bank and make an ACH transfer. Is there a better way?
Thanks!
What is the best way to handle the money after the closing? My goal is to put it in my Vanguard money market account. I planned to deposit it in my local bank and make an ACH transfer. Is there a better way?
Thanks!
- Fri Jun 28, 2019 1:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: Why are you NOT buying rental properties?
- Replies: 1134
- Views: 139949
Re: Why are you NOT buying rental properties?
I read a few paragraphs of this long thread, but decided to post because my experience might be like someone else's or just to share a story.
Four years ago, I bought a three family building in a northeastern city and lived on the first floor. (I had a single family home about two hours away, too). I decided to sell the property this year, four years later.
To my surprise I sold the property for 58% more than I paid for it. During this time, I had a mix of tenants, some very reliable and others I had to evict. For me, the money was nearly all in the appreciation of property value.
Four years ago, I bought a three family building in a northeastern city and lived on the first floor. (I had a single family home about two hours away, too). I decided to sell the property this year, four years later.
To my surprise I sold the property for 58% more than I paid for it. During this time, I had a mix of tenants, some very reliable and others I had to evict. For me, the money was nearly all in the appreciation of property value.
- Mon Jun 03, 2019 10:04 pm
- Forum: Personal Consumer Issues
- Topic: Road Trip: After the West Coast
- Replies: 8
- Views: 881
Road Trip: After the West Coast
In mid June I will be leaving Glacier National Park in Montana to begin my trip home to northern NY. I will have already been to Yellowstone and the Tetons, as well as many other places in California and in the southern US. I am looking for side trips to break up my long drive and ideas on what to see along the way, generally traveling in the north or north/central US. I've only planned I will be traveling through Ohio to visit a friend. I traveled the southern route on my way to California and it was a joy.
Any suggestions are welcome! I am traveling with two dogs who enjoy hiking, but also enjoy sleeping while I'm out. I like historical places, beautiful views, food, cultural activities, and being active.
Thanks for the help!
Any suggestions are welcome! I am traveling with two dogs who enjoy hiking, but also enjoy sleeping while I'm out. I like historical places, beautiful views, food, cultural activities, and being active.
Thanks for the help!
- Mon Jun 03, 2019 8:07 pm
- Forum: Personal Consumer Issues
- Topic: Road Trip! Texas to Virginia places to see/visit
- Replies: 21
- Views: 5056
Re: Road Trip! Texas to Virginia places to see/visit
I'm on a road trip now from the Northeast US to California and back. One of my favorite places so far is Amarillo, TX. I do not know where you are beginning, but the area near Amarillo has the Palo Duro Canyon and a museum dedicated to the Texas Panhandle and Plains. I've been to the Grand Canyon two times (including on this trip), but there is something unique about Palo Duro. If you can get to Antietam National Battlefield in Sharpsburg, MD, it's a fascinating place. Harpers Ferry, WV isn't far away and worth a visit. (The Appalachian Trail Visitors Center is there, too.) Both of these places might be off your route, but I wanted to mention them. If you want a detour, visit the Flight 93 National Memorial in Shanksville, PA. It's two hour...
- Mon Jan 07, 2019 8:29 am
- Forum: Personal Consumer Issues
- Topic: Water seepage in basement
- Replies: 23
- Views: 2079
Re: Water seepage in basement
Hello all, Our home is 30'years old and has an unfinished section, and a finished section, in the basement. In the unfinished section, we get water seepage where the floor meets the wall when we get heavy rain. It does not happen with snow melt, nor does it happen with gentle showers. The seepage occurs over an area of about 10 feet linearly from left to right. It does not occur higher up on the wall. This has been occurring for years and I usually just patiently shop vac up the water when it happens if too much comes in. It never gets over to the finished section, but in theory it could if I was not home for an extended time, and I don't want it getting under the Pergo floors in that section. Also, we do not have a sump pump, and that is ...
- Sat Jan 05, 2019 6:07 am
- Forum: Personal Consumer Issues
- Topic: Paying (paper) cash for daily transactions
- Replies: 83
- Views: 5284
- Sat Jan 05, 2019 6:03 am
- Forum: Personal Consumer Issues
- Topic: Paying (paper) cash for daily transactions
- Replies: 83
- Views: 5284
Re: Paying (paper) cash for daily transactions
Most Millennials I know live in a cash economy.livesoft wrote: ↑Fri Jan 04, 2019 4:47 pm You probably haven't noticed that folks wave a card or a phone towards cashiers now and don't have to sign anything and don't need to print a receipt either. Faster than cash. I'm not even sure that Millennials even know what paper money actually is anymore.
- Wed Oct 24, 2018 1:35 pm
- Forum: Personal Consumer Issues
- Topic: Vehicle to vacation w/dogs (staying in hotels/VRBOs)
- Replies: 32
- Views: 2915
Re: Vehicle to vacation w/dogs (staying in hotels/VRBOs)
I'd look for an AirBNB that allows pets. Once you have a good experience, you will have more because word travels about you and your family.
My German shepherd and Australian shepherd love my Subaru Forester. Nothing too high to jump into and it's a comfortable place to lay down. I crack the windows. I am in the Northeast USA and on hot summer days I park under trees in a parking lot, even if there is no designated parking space, and crack the windows. I heard this is not enough in other places.
My German shepherd and Australian shepherd love my Subaru Forester. Nothing too high to jump into and it's a comfortable place to lay down. I crack the windows. I am in the Northeast USA and on hot summer days I park under trees in a parking lot, even if there is no designated parking space, and crack the windows. I heard this is not enough in other places.
- Sun Sep 16, 2018 1:53 pm
- Forum: Personal Consumer Issues
- Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
- Replies: 39
- Views: 4854
Re: Is Hardwood Floor No Maintenance (vs Carpet)?
I've had oak floors for decades and they are still beautiful. I do not put any cleaning material on them. I take off my shoes when I come in, wipe up any spills, and sweep when I need to.
OP, I agree with you about low maintenance. Personally, I say hardwood is easier than carpet in a rental.
Take pictures of it, if it matters to you, and take them again when you are leaving.
OP, I agree with you about low maintenance. Personally, I say hardwood is easier than carpet in a rental.
Take pictures of it, if it matters to you, and take them again when you are leaving.
- Fri Jun 29, 2018 5:52 pm
- Forum: Personal Consumer Issues
- Topic: Best way to clean eyeglasses?
- Replies: 59
- Views: 5539
Re: Best way to clean eyeglasses?
I use running water and dry with a paper towel.
- Tue Feb 27, 2018 6:38 pm
- Forum: Personal Consumer Issues
- Topic: March vacation
- Replies: 9
- Views: 1263
Re: March vacation
Thanks for the suggestions. I expect to stop in Asheville and areas nearby, then continue on to New Orleans, and then come back in the same vicinity and do more exploring. I appreciate the ideas!
- Sun Feb 25, 2018 5:43 pm
- Forum: Personal Consumer Issues
- Topic: March vacation
- Replies: 9
- Views: 1263
Re: March vacation
Thanks for the suggestions!
- Sun Feb 25, 2018 3:07 pm
- Forum: Personal Consumer Issues
- Topic: March vacation
- Replies: 9
- Views: 1263
March vacation
In mid March I have two weeks off before starting a new job and am looking for ideas on where to travel on the east coast. I will be traveling in a car with two dogs and likely staying at Airbnb locations. Right now I am considering going to New Orleans. I'd like to hear about any good trips or things to see on the way there from New York, or perhaps a different destination. I have been to D.C. many times, so I am not going there this time.
Thanks for any ideas!
Kate
Thanks for any ideas!
Kate
- Tue Feb 06, 2018 6:25 pm
- Forum: Personal Investments
- Topic: Requesting Advice on Plan
- Replies: 12
- Views: 979
Re: Requesting Advice on Plan
Tal, Re the real estate, I have a tremendous gain on the three family and it's the right time to sell. It's two hours away and I am getting too busy to take care of the issues that come up. I also don't use the vacation property enough, so will sell it (and not buy another). I lived in my own house for over 24 years and it's time for a change. I plan to buy a townhouse in an area I like. I'm going to work as a nurse for about three years before I become a nurse practitioner. My goal has been to become a nurse practitioner, not a nurse, so I'm continuing in school part time after I become a nurse. I'm going to think through the various ways to go with loans -- student loans, 401k loans, mortgage, cash out refi. Thanks for your suggestions!
- Tue Feb 06, 2018 5:41 pm
- Forum: Personal Investments
- Topic: Requesting Advice on Plan
- Replies: 12
- Views: 979
Re: Requesting Advice on Plan
Thank you, Jon! I am going to look into it. Right now I am renting an apartment for myself, and either renting out or selling the other properties. According to my bank, I can only get a line of credit on property I reside in. I might look into a cash out refi of $85,000 on one of the investment properties instead.Jon H wrote: ↑Tue Feb 06, 2018 5:38 pm What about putting your equity to work for you?
Can you get a home equity line of credit for the $85k as an option? Probably would get a better rate than the student loans.
Alternately, get a second mortgage and pay off all of your loans. Certainly it will better than 9-11% and likely better than 5-6%.
Just some thoughts.
- Tue Feb 06, 2018 5:38 pm
- Forum: Personal Investments
- Topic: Requesting Advice on Plan
- Replies: 12
- Views: 979
Re: Requesting Advice on Plan
Usually you can't borrow from a 401k at a previous employer. Are you going to be still working at your current employer while going to school? Or are all of you 401k assets at previous employers? Taking out a $70k mortgage seems MUCH less risky than a 401k loan. Paying yourself the interest also means you have $70k not in the marking earning the market return. Where does the $975 a month while you're in school come from, the $510k from selling property? Why not invest it all at once? How about the $2975 per month after school? Is that all from the job you plan to have? That is $37,500 per year. A quick search shows about $100k as a salary, is that about right? Banking 37% percent would be a high savings rate. Is the pension based on your c...
- Tue Feb 06, 2018 5:13 pm
- Forum: Personal Investments
- Topic: Requesting Advice on Plan
- Replies: 12
- Views: 979
Re: Requesting Advice on Plan
Thanks Watty. I will be a nurse in a few months, and then months later begin a part time program to become a nurse practitioner while working as a nurse. I plan to work for the state at one of its teaching hospitals, because I already am vested in the state pension system from another job. I plan to work for as long as I enjoy it. The two previous generations in my family have people who worked for enjoyment long after they needed to do it for money. I think that will be me too.
Mostly I am trying out ideas about how to pay off the loans, and latest idea is pour rent money into it, then sell the rental property.
Thanks for your input.
Mostly I am trying out ideas about how to pay off the loans, and latest idea is pour rent money into it, then sell the rental property.
Thanks for your input.
- Mon Feb 05, 2018 4:13 pm
- Forum: Personal Investments
- Topic: Requesting Advice on Plan
- Replies: 12
- Views: 979
Re: Requesting Advice on Plan
Thanks for the questions.
First, fixing boredom took longer than it sounds. I tested my new path and I'm confident it's right.
I don't have any mortgages on my properties, and right now don't want one. My sole exception is a plan to take out a $70,000 loan from a 401k so I am paying myself and then the rest of the purchase price from property sales. I'm selling all of them, but the 5-plex.
My thinking on 85k in student loans is since I want to keep the 5-plex, I'd use that income for most of it, then sell that building too and invest the funds.
I have fed loans too, at 5-6%, but the bulk is 9-11%.
First, fixing boredom took longer than it sounds. I tested my new path and I'm confident it's right.
I don't have any mortgages on my properties, and right now don't want one. My sole exception is a plan to take out a $70,000 loan from a 401k so I am paying myself and then the rest of the purchase price from property sales. I'm selling all of them, but the 5-plex.
My thinking on 85k in student loans is since I want to keep the 5-plex, I'd use that income for most of it, then sell that building too and invest the funds.
I have fed loans too, at 5-6%, but the bulk is 9-11%.
- Mon Feb 05, 2018 9:57 am
- Forum: Personal Investments
- Topic: Requesting Advice on Plan
- Replies: 12
- Views: 979
Requesting Advice on Plan
Posting for advice and help is not like my usual personality, but since I cannot seem to decide what to do, I’d appreciate any input, especially anything I missed. Current situation: 1. Mid 50’s and changing careers and becoming a nurse practitioner. (Bored with prior work.) 2. School loans will be about $85,000 when I finish, most Sallie Mae loans around 10%. 3. No cc debt. No other debt. 4. Own a 5 plex being remodeled and which I’ll keep for at least two more years. Assuming 8% vacancy and other costs, it will produce about $33,000 net income a year. 5. Currently renting and selling my personal residence, a small vacation property, and a three family investment property which will net about $510,000 total to invest. 6. Will buy a townhou...
- Thu Jan 04, 2018 12:36 pm
- Forum: Personal Consumer Issues
- Topic: Airbnb - Guide a beginner
- Replies: 64
- Views: 7644
Re: Airbnb - Guide a beginner
Airbnb cancellation fees and policies are important to fully know. You can owe the whole bill even when you canceled.
- Sat Oct 14, 2017 7:04 am
- Forum: Personal Consumer Issues
- Topic: Outback Vs Forester Vs CR-V ??
- Replies: 58
- Views: 10259
Re: Outback Vs Forester Vs CR-V ??
I've owned both an Outback and the Forester and agree with nearly all the comments above. I purchased the Outback after driving and comparing it with Forester and Impreza, and the main difference was the drive. The Outback has a nice drive, very smooth. I drive a Forester now and have what I believe is an oil burn issue with a regular highway commute and always needing oil. I wanted the Forester because it is a little taller and mattered for moving things. With Subarus, you have to watch the towability -- when you want to hitch something to it. You really can't. Subarus don't have the power to tow.
- Thu Sep 21, 2017 11:24 am
- Forum: Personal Investments
- Topic: I won the Lottery. Need sound advice.
- Replies: 220
- Views: 35837
Re: I won the Lottery. Need sound advice.
When I had a large lump sum and wondered what to do with it, Bogleheads told me to wait a year. Spend a little bit to enjoy it, but hold on to the rest and wait a year and see how it looks then.
- Sun Aug 06, 2017 10:00 am
- Forum: Personal Consumer Issues
- Topic: Trip to Maine
- Replies: 58
- Views: 7800
Re: Trip to Maine
I went to Maine last year and plan to go back. I went to Acadia, but to the smaller part -- Acadia includes former military areas now. The main part is heavy touristy but the less traveled part is wonderful. Each morning I went to a park ranger led program about the area. One evening a friend and I went to a stars on the beach program, with about 200 other quiet people laying on the beach listening to the ranger point out the many things to see in the stars.
Apart from that, rent bikes and ride around. Stop at a seafood shack for lunch. It's a great way to spend three or four days.
ILoveDogs
Apart from that, rent bikes and ride around. Stop at a seafood shack for lunch. It's a great way to spend three or four days.
ILoveDogs
- Mon May 15, 2017 4:37 pm
- Forum: Personal Consumer Issues
- Topic: Where do you get your tea ?
- Replies: 23
- Views: 4371
Re: Where do you get your tea ?
I like Barry's Tea from Cork, Ireland and Bigelow's Black Pomegranate. I can get both from Amazon, but have to be careful with the Barry's Tea selections to be sure I get what I want.
- Mon May 15, 2017 4:34 pm
- Forum: Personal Consumer Issues
- Topic: Adblockers
- Replies: 14
- Views: 2349
Adblockers
Before posting, I searched for a past post that helped with setting up my Mac. I used the info there to install very useful adblocking on my laptop. That laptop is awaiting a very expensive repair, so I am using something else. It's a Mac Air with all updates. But it does not have my very excellent adblocking. I'll provide an example. I read the NY Times, sometimes clicking on articles and sometimes just reading all the headlines. The very day I began using this laptop with Adblock Plus, I started getting constant tracking ads from the NY Times about how many articles I read. This was with a so called "private window" on the latest Firefox browser, Adblock Plus installed a week ago, and NoScript and Ghostery installed recently too...
- Thu Jan 12, 2017 4:40 pm
- Forum: Personal Investments
- Topic: $600,000. Now what?
- Replies: 53
- Views: 13432
Re: $600,000. Now what?
Brownsfan,
When I got to the same level, real estate got my attention.
There is an excellent banker/mortgage person in Rochester, NY whose name I got at Bigger Pockets, a real estate forum. He looks at all income and he looks at leases. His name is Jerry Padilla. I had a good experience with him.
Good luck.
Ilovedogs
When I got to the same level, real estate got my attention.
There is an excellent banker/mortgage person in Rochester, NY whose name I got at Bigger Pockets, a real estate forum. He looks at all income and he looks at leases. His name is Jerry Padilla. I had a good experience with him.
Good luck.
Ilovedogs
- Thu Aug 04, 2016 11:57 am
- Forum: Personal Consumer Issues
- Topic: Vanguard - is touch ID less secure?
- Replies: 12
- Views: 1654
Re: Vanguard - is touch ID less secure?
I don't know what you said. I was asked a few years ago to use my voice as a password. You can do it from your phone, but they probably have something else for you.
- Thu Aug 04, 2016 11:54 am
- Forum: Personal Consumer Issues
- Topic: Florence, Italy Hotel?
- Replies: 18
- Views: 1765
Re: Florence, Italy Hotel?
I agree about the hotel Duomo. I only want to say if you ever get a chance to go to Florence in the winter you will meet local people and have a wonderful time. Summer is great, but winter is a surprise.
- Wed Jul 27, 2016 5:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: How many folks choose to give inheritance to their children in unequal portions?
- Replies: 202
- Views: 30949
Re: How many folks choose to give inheritance to their children in unequal portions?
I believe people should do with their money what they choose. This is most important.
But...... I personally know that leaving most or an equal share to a "better off" sibling can leave a lot of resentment. In my family experience, the better off sibling (married to a millionaire wife) does not "help" but thinks everyone is or should be like him.
My parents have a lot of money. I have a disabled sibling and they set up a special needs trust. The non disabled share equal percentages. My wealthy sibling set it up.
I love my parents. I don't love their money. I will give it away.
But...... I personally know that leaving most or an equal share to a "better off" sibling can leave a lot of resentment. In my family experience, the better off sibling (married to a millionaire wife) does not "help" but thinks everyone is or should be like him.
My parents have a lot of money. I have a disabled sibling and they set up a special needs trust. The non disabled share equal percentages. My wealthy sibling set it up.
I love my parents. I don't love their money. I will give it away.
- Sun May 31, 2015 11:49 am
- Forum: Personal Consumer Issues
- Topic: Retirement and Proximity to "Teaching Hospitals"
- Replies: 44
- Views: 7136
Re: Retirement and Proximity to "Teaching Hospitals"
Minority view here: Been in medicine for 45 years. Now that I am retired I have no intention of spending my final days/weeks/months undergoing complex medical treatment. No "teaching hospital" medicine for me. When the time comes, it comes. Put me in the box and move on! Thanks for saying this. I got to wondering about a lot of what I read here. There are no physicians in my family history; instead, there is a respect for physicians but a deep family view that there's rarely a need to see one. My father, in his 80's, went to an urgent care clinic (a stand alone place near a big garden center) when he woke up unable to breathe easily after a few days of sensing something, because he could not reach his primary care doctor. As soon...
- Sat May 30, 2015 3:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: My son needs a double lung transplant
- Replies: 41
- Views: 9359
Re: My son needs a double lung transplant
When I tried to help someone find a SSDI attorney, I asked other attorneys in the area who they would recommend. The same name came up every time, and lawyers also said that was the only name they could recommend.Tom_Berkeley wrote:Thanks for your thoughts. How does one find the best attorney for SS benefits in any particular region? My son has talked to one attorney referred through a friend but it would be surprising to me if they turned out to be the best. Since the consensus of information in the responses to my query appears to be that the fees are uniform due to regulation there would be no reason not to seek out the best. I just don't know how to advise him on finding them
- Fri May 29, 2015 6:24 am
- Forum: Personal Finance (Not Investing)
- Topic: My son needs a double lung transplant
- Replies: 41
- Views: 9359
Re: My son needs a double lung transplant
Tom, I just wanted to chime in to add this: the best social security attorney where I am in the northeast PREFERS that his office files the initial application. It cuts down on errors and increases the chance of success. I wanted to add this because I read that someone above said lawyers don't want to do the initial application, but it's not true.
- Sun Apr 12, 2015 6:50 pm
- Forum: Personal Consumer Issues
- Topic: How should I name my home Wi-Fi network?
- Replies: 55
- Views: 20793
Re: How should I name my home Wi-Fi network?
I didn't use it myself, but when my Mac showed me the networks available I found one of them ingenious: home. The network was called home.
I don't like to use a name that people can connect to me easily, after many hackings into my email. Sometimes the obvious is the best.
I don't like to use a name that people can connect to me easily, after many hackings into my email. Sometimes the obvious is the best.
- Mon Mar 16, 2015 9:45 am
- Forum: Investing - Theory, News & General
- Topic: John Bogle's Don't Peek Challenge
- Replies: 149
- Views: 20872
Re: John Bogle's Don't Peek Challenge
Not a chance. I have too many transfers in and out at irregular times and it would be irresponsible not to read messages about them and check up on things.
- Wed Mar 11, 2015 3:17 pm
- Forum: Investing - Theory, News & General
- Topic: Loans from 401k -- back door investing?
- Replies: 57
- Views: 6658
Re: Loans from 401k -- back door investing?
P.S. Etrade told me there are no fees or costs to do this other than the interest I pay back into my own account. My 401k is currently with Vanguard, but I am moving it so I can do this. (Vanguard does not allow loans.) I am a moderately conservative person and this struck me as the right way to go in my situation. The only cost is paid to me. I win.
- Wed Mar 11, 2015 3:05 pm
- Forum: Investing - Theory, News & General
- Topic: Loans from 401k -- back door investing?
- Replies: 57
- Views: 6658
Re: Loans from 401k -- back door investing?
I agree. Thanks for the reminder.livesoft wrote:If you take a loan, take the maximum since the fees will be a lower percentage of loaned amount. That is, don't bother with a small loan.