Search found 2657 matches

by 4nursebee
Thu Mar 28, 2024 4:46 am
Forum: Investing - Theory, News & General
Topic: Underspending Paradox
Replies: 25
Views: 2505

Re: Underspending Paradox

We are glad to have annuities!
by 4nursebee
Thu Mar 28, 2024 2:30 am
Forum: Personal Consumer Issues
Topic: Cybertruck-anyone else get to try it on?
Replies: 59
Views: 4221

Re: Cybertruck-anyone else get to try it on?

I think the Cybertruck will go down in history as one of the most poorly constructed vehicles ever made. There are now many documented instances of wheels falling off because the control arm is far undersized for the weight of the vehicle. If you it through too-deep a puddle the entire electrical system can short and kill the vehicle. You’re not supposed to take it through a car wash. There are reports of the Cybertruck shutting itself off with only seconds of warning while driving. I could go on and on. It’s a big heap of garbage. Munro and associates seem to disagree with you. Their utube videos are already doing a teardown, most seem to be gushing. Certainly the batter removal where the also drop down the interior at the same time sugge...
by 4nursebee
Thu Mar 28, 2024 2:27 am
Forum: Personal Consumer Issues
Topic: Cybertruck-anyone else get to try it on?
Replies: 59
Views: 4221

Re: Cybertruck-anyone else get to try it on?

There may be a time when these EV trucks make sence but its not now. Interestingly, the base trim (Pro) of the Ford Lightning is currently showing $52,140 for me. The F-150 XLT 4x4 crewcab, which appears to be the closest match to the features and amenities of the Lightning (and anecdotally appears to be the most popular configuration) is showing $54,090. So for a buyer who doesn't need long range, but is shopping for a nicely equipped full-size pickup, the EV option could actually be cheaper even before factoring in any tax credit (I don't know if the Lightning qualifies?) or fuel cost savings. In fairness, I should probably mention here that once all the fees are added on to the F-150 or Lightning, the cost is closer than I expected to t...
by 4nursebee
Thu Mar 28, 2024 2:24 am
Forum: Personal Consumer Issues
Topic: Cybertruck-anyone else get to try it on?
Replies: 59
Views: 4221

Re: Cybertruck-anyone else get to try it on?

I have two reserved and may buy one if reviews and access to chargers seem adequate for where I want to go. The first, $100, reservation was made almost three years ago. That was before becoming the owner of a Tesla (MY Long-range), which we have fallen in love with! The second, $250, reservation was made a few months ago within the account of our Model Y to see if "loyalists" get priority or not. A third-party website of unknown accuracy predicts I'll get the opportunity to buy a Cybertruck in November of 2024. Since I'm planning on buying a Model X Plaid as soon as rumored updates (especially a front bumper camera), become available, I'd rather not fork out another $100K (for a Cyberbeast) until 2025 or beyond - preferably when...
by 4nursebee
Wed Mar 27, 2024 7:17 am
Forum: Personal Consumer Issues
Topic: Cybertruck-anyone else get to try it on?
Replies: 59
Views: 4221

Re: Cybertruck-anyone else get to try it on?

I had a deposit on CyberTruck pretty early in the process. My Model X is VIN 0002xx, which I put a deposit on iirc more than 2 years before it became available. I didn’t need a pickup truck, but wanted a truck that I could just throw firewood into the bed of; our volunteer group that delivers firewood to seniors always bothers me because loading the trucks is an overly gentle act so as not to ding the bed. Tesla customer service is not what it was 8 years ago. The CyberTruck is not what was promised. I canceled my deposit and put an order in for a Mercedes EQS SUV instead. I will be driving in luxury and will not use it for firewood delivery :D It is an interesting commentary on the company when you and I buy others or talk about downsides.
by 4nursebee
Wed Mar 27, 2024 2:45 am
Forum: Personal Consumer Issues
Topic: Cybertruck-anyone else get to try it on?
Replies: 59
Views: 4221

Cybertruck-anyone else get to try it on?

I was not a super early reservation holder, current expectation is our truck would be ready late this year or January of 2025. Normally when vehicle shopping we as a couple like to try things on for size as we are very different heights/weights. The Tesla experience seems to be they get your payment before getting in the car, though nowadays test rides are available for the cars. This is not true for the Cybertruck yet. We reached out online to someone that was expecting delivery, begged for a chance to just sit in the truck. The day after he accepted delivery we were able to sit in the truck, he drove around for a couple miles. The interior of the front row was better than expected. The guys at Munro and associates have begun videos on the...
by 4nursebee
Sun Mar 24, 2024 6:08 pm
Forum: Personal Consumer Issues
Topic: sauna or hot tub, which to get and why?
Replies: 52
Views: 4859

Re: sauna or hot tub, which to get and why?

So I visited a place that handles saunas. 5x7, exterior construction on my surface. Electric not included. 2-3 hrs to install, will charge a bit for my distance. Temps 185-190 expected after 30-40 minutes.

RM, Northstart, Outdoor, 5x7, V2 $18,751
Finnleo Euro 5x7 $20,773

Walls will only be two inches thick for both of them? That might scare me into doing my own, or else building a legit frame and insulate better. We get hurricanes.

Any thoughts?
by 4nursebee
Sun Mar 24, 2024 4:31 am
Forum: Personal Finance (Not Investing)
Topic: Can I really really afford a 3 million mortgage?
Replies: 104
Views: 9020

Re: Can I really really afford a 3 million mortgage?

It reads to me as if the OP is failing to consider cost of living in job offers. When asking a financial question in a financial forum one has to expect to consider these things. I think the OP needs to set up a simple chart for salary, taxes, expected expenses and the dollar value of being close to family. But this needs to be tempered with ones long term values and financial goals. Then the choice and answer to his/her question is easy.

This isn't a question of can one afford it, it is a question of should one afford it.

The home choices also cant be hypothetical, they have to be real.

My small town chief of ortho trauma lives in a 1M home.
by 4nursebee
Sun Mar 24, 2024 4:15 am
Forum: Personal Investments
Topic: For those of you in early retirement, what is your Asset Allocation and withdrawal rate?
Replies: 88
Views: 14051

Re: For those of you in early retirement, what is your Asset Allocation and withdrawal rate?

I understand during a normal retirement age you can start to withdraw about 4% of portfolio (add inflation each year), but the key it to be flexible. But for early retirement people you have 50 years of living left, not 30 years. So it's probably better to be more conservative with your withdrawal rate. For those of you who are in early retirement, how much do you withdraw? I know 60 Stocks and 40 Bonds is quite popular for normal retirement age. But will 60-40 work for early retirement age? Is it better to be a little more aggressive since you have 50 years of living instead of 30 years? For those of you who are in early retirement, what is your Asset Allocation and why? In order to answer these questions, I think one needs to look at var...
by 4nursebee
Fri Mar 22, 2024 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do you tip hotel staff when checking out?
Replies: 145
Views: 6938

Re: Do you tip hotel staff when checking out?

I am 99.9% sure that no supermarket employee is a "tipped employee," so you don't need to tip them. Ditto cooks and dishwashers in restaurants. The tradition is that hotel housekeepers and waitstaff are tipped, SO they get paid less... SO they need tips. The system sucks, and in the US it has an ugly backstory. The fiction that tips are extraordinary rewards for extraordinary performance doesn't fit reality. In the case of hotel housekeepers, the level of service is pretty standardized. If it's a well-run hotel the chances of below-par service is small. The chances that a housekeeper will have the opportunity to perform outstanding above-and-beyond service is also small. So does a housekeeper "deserve" a tip for "j...
by 4nursebee
Fri Mar 22, 2024 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Do you tip hotel staff when checking out?
Replies: 145
Views: 6938

Re: Do you tip hotel staff when checking out?

delamer wrote: Fri Mar 22, 2024 8:44 am
4nursebee wrote: Fri Mar 22, 2024 2:02 am
lessismore22 wrote: Thu Mar 21, 2024 5:37 pm Curious to hear thoughts on leaving cash for the hotel staff when you check out of a room. If you leave a tip, how do you determine how much? If not, why not?
Just the coins in my pocket. No to staff that check me out.

Sometimes I leave a leftover slice of pizza in the box for them.

We once stayed for a while at a hotel that had us change rooms to a better suite while we were out for the day. Went smooth, put a $20 on the housekeeping cart when nobody was looking.
You really think people will eat your leftover food!?
It was pepperoni.
by 4nursebee
Fri Mar 22, 2024 11:49 am
Forum: Personal Finance (Not Investing)
Topic: What should a taxpayer expect a CPA to do?
Replies: 27
Views: 2981

Re: What should a taxpayer expect a CPA to do?

Our tax returns are done by a CPA. We pay both Federal and state tax. Income from US Govt obligations is not taxed by states. Our CPA does NOT examine our fund holdings to ascertain if some of their dividends come from US Govt obligations. For example, 49.37 % of dividends paid by Vanguard Federal Money Market Fund (the settlement fund) in 2023 were from US Govt obligations. The CPA listed all dividends from the fund as taxable until I gave her a note referring to a Vanguard file listing US Govt obligations percent for all their funds/ETFs. Should we expect a CPA doing our tax returns to pay attention to such details without prompting? I think of our CPA as a partner. There is give and take, things to be managed. This CPA told us to spend ...
by 4nursebee
Fri Mar 22, 2024 2:12 am
Forum: Personal Consumer Issues
Topic: New homeowner advice
Replies: 32
Views: 2288

Re: New homeowner advice

My wife and I recently closed on a modest house in a neighborhood we love. We hope to spend 20+ years in this house. We are currently childless, but plan to have one or two children in the next five years, and bought the house with this in mind. To those of you who have lived in one home for 20+ years: 1) What is one thing you wish you had done soon after you first moved in? 2) What "avoidable" mistake did you make along the way? 3) Any other unconventional advice for long-term home ownership? My sense of things is that in normal markets a buyer can push for some upgrades to aging systems or other price concessions based upon the condition of things. It seemed a shame to live in a house just putting up with things and then fixing...
by 4nursebee
Fri Mar 22, 2024 2:03 am
Forum: Personal Consumer Issues
Topic: What Toys Have You Bought That Have Been Worth it?
Replies: 256
Views: 18545

Re: What Toys Have You Bought That Have Been Worth it?

Workinprogress wrote: Thu Mar 21, 2024 11:11 pm Airplanes. My wife grew up flying in small airplanes and we have traveled all over and had many good times together in an airplane.
Aren't they expensive and frustrating to maintain?
I've heard it tough to find good help.
What do you fly now and in the past?
by 4nursebee
Fri Mar 22, 2024 2:02 am
Forum: Personal Finance (Not Investing)
Topic: Do you tip hotel staff when checking out?
Replies: 145
Views: 6938

Re: Do you tip hotel staff when checking out?

lessismore22 wrote: Thu Mar 21, 2024 5:37 pm Curious to hear thoughts on leaving cash for the hotel staff when you check out of a room. If you leave a tip, how do you determine how much? If not, why not?
Just the coins in my pocket. No to staff that check me out.

Sometimes I leave a leftover slice of pizza in the box for them.

We once stayed for a while at a hotel that had us change rooms to a better suite while we were out for the day. Went smooth, put a $20 on the housekeeping cart when nobody was looking.
by 4nursebee
Thu Mar 21, 2024 12:41 pm
Forum: Investing - Theory, News & General
Topic: Dangers of excessive optimism?
Replies: 86
Views: 6691

Re: Dangers of excessive optimism?

Optimistic people get further in life than pessimists. Some even get further than average.
by 4nursebee
Thu Mar 21, 2024 7:37 am
Forum: Personal Consumer Issues
Topic: Apple ecosystem and security
Replies: 7
Views: 952

Apple ecosystem and security

Phones are apple and work well.
Have used ipads and they work well. A 2017 ipad is slow, upgrade arriving today.
Main screen at home was bought a couple years ago, having enough issues we want to go with a mac mini product.

For those that use apple as a main computer at home, what steps do you take for security?
Ad blockers?
Ad aware?
Do you use products like Spybot? Antivirus?
Apple based password managers?
Best management practices?

Thank you.
by 4nursebee
Thu Mar 21, 2024 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Tracking gross or net portfolio value
Replies: 16
Views: 920

Re: Tracking gross or net portfolio value

So I was thinking that depending on the portfolio composition, how much of it is Roth, basis, tax-deferred, etc, a person has a certain effective amount. A million in Roth is really a million. A million in traditional IRA is probably less. It is reasonable to assume that most people will pay at least 12% on that money. So I started tracking a new metric that I call the gross value of the portfolio. What I do is I assume a conservative tax rate of 12% and all Roth, basis, and cash are inflated by 12%. Then I add all tax-deferred funds and I come up with a value of a portfolio as if it consisted enirely of pre-tax funds. Alternatively, someone could instead tax all the tax defered funds and gains and come up with a net after-tax value. Of co...
by 4nursebee
Wed Mar 20, 2024 3:59 pm
Forum: Personal Consumer Issues
Topic: Leaking Window?
Replies: 24
Views: 1885

Re: Leaking Window?

Maybe not related to your issues, but what are your windows made out of? We have wood casement windows (yours look the same) that have some moisture related issues, though never penetration. We keep them well painted and have a thin smear of clear silicone along the exterior wood/glass interface.
by 4nursebee
Wed Mar 20, 2024 1:55 pm
Forum: Investing - Theory, News & General
Topic: Callan Charts and sector investing
Replies: 3
Views: 458

Callan Charts and sector investing

At our last meeting with our Fido advisor, a Callan Chart blob:https://www.callan.com/e2bd4ffc-3f0c-48 ... e7d9870894 was brought up with the idea that we needed more international exposure in our portfolio.

So in looking at the graphics, I wonder what ETFs or MFs represent the various classes and if anyone uses these large asset classes for rebalancing?
by 4nursebee
Tue Mar 19, 2024 3:42 am
Forum: Personal Finance (Not Investing)
Topic: Hospital Bill - Negotiation strategies?
Replies: 136
Views: 8582

Re: Hospital Bill - Negotiation strategies?

Lots of assumptions that you have been screwed. Reality is probably that they billed accurately, you just have to pay your deductible this year. I agree. The poster looks like they could have taken all the time they have researched and worried over this, worked a job, and earned the 10% they want to save. Or done other pleasurable activities. When it goes to collections one might save a lot more from negotiating. Maybe this bumper sticker needs redone with "internet": https://www.google.com/search?sca_esv=fa651450fe8a2ab2&rlz=1C1CHBF_enUS1000US1000&sxsrf=ACQVn0-kqCDCJt-2qRhkevFAUyJoCUSm-w:1710837542722&q=ask+your+doctor+if+medical+advice+should+be+taken+from+tv&tbm=isch&source=lnms&prmd=ihvsnbmtz&sa=X&...
by 4nursebee
Tue Mar 19, 2024 3:33 am
Forum: Personal Finance (Not Investing)
Topic: At what point did you prioritize health over money?
Replies: 65
Views: 8593

Re: At what point did you prioritize health over money?

Getting further into my 40s and seeing my parents get further into their 70s has made me realize that health should never be taken for granted. But with the crazy pace of 40s life (kids, activities, career, etc.) it’s hard to find time to truly prioritize my health in the way I would like to. Thankfully, I have a good genes and am physically fit, and I work out 2x a week, but there never seems to be enough time to truly decompress, and I’m convinced that mental stress will take a worse toll on my longevity than anything else. I had always planned to work until age 65 and I think I’ll probably have to, financially, to make the numbers work but I’m curious if other Bogleheads hit a specific point where they decided that no amount of extra $$...
by 4nursebee
Sun Mar 17, 2024 12:31 pm
Forum: Personal Consumer Issues
Topic: How to fix sewer back up?
Replies: 28
Views: 1897

Re: How to fix sewer back up?

So I bought a house in 2021. About 3 months into the purchase, we noticed sewer coming out through the basement toilet and bathroom. We have been using a plumber at least 4-5 times per year and recently draino monthly. Today I woke up with 0.5 inches of sewer in my bathroom. Very frustrating.... We live in a small town and there is only one plumber here who does any sewer work. There is just nobody even to get a second opinion and I doubt anybody would travel 2 hours to our town. Plumber told me that he is weekly in this neighborhood and that from what it looks like many houses were built with improper incline from the main sewer line in the street. As for my house he thinks there is additionally very little incline on the portion of the s...
by 4nursebee
Sat Mar 16, 2024 5:08 pm
Forum: Personal Consumer Issues
Topic: New Roof - Exterior Design Ideas
Replies: 9
Views: 1009

Re: New Roof - Exterior Design Ideas

NorthCenter wrote: Sat Mar 16, 2024 11:43 am I'm planning to replace my shingle roof and it's an opportunity to change the exterior design of the house. I'm looking for suggestions on a new color scheme for the roof/gutters and trim work. Do you have nay suggestions or can point me to a more appropriate forum to get suggestions ideas? Wife is thinking of a dark brown roof and dark brown trim for a more modern aesthetic with more contrast. Not open to changing the color of the exterior stucco (it's in good shape and that's too much work).

https://imgur.com/a/FQg9uDC
https://imgur.com/a/FQg9uDC
I've sent you a PM with some very specific pointers regarding your roof. Not appropriate to share publicly
by 4nursebee
Sat Mar 16, 2024 5:04 pm
Forum: Investing - Theory, News & General
Topic: Anybody heard stories of well "prepared" retirees running out of money?
Replies: 210
Views: 23851

Re: Anybody heard stories of well "prepared" retirees running out of money?

"Prepared" can be subject to all interpretations... that can lead to disasters. I was thinking more someone who were NOT involved in heavy stuff (addictions, healthcare or got stolen), was not poor to begin with, nor cases in which their company pension went kaput. I know about VPW, SWR..., I don't really need more details about them (I understand their benefits). The reason why I ask is because I saw quite a few sources mentioning that 2.7% or 3.3% is now the new 4%, including Morningstar in 2021 but possibly amended that later. I can understand the flexibility of probabilities, but I wonder if there are actual & recent real-life cases proving their point , or if it a strategy to get more $ from investors. This might include...
by 4nursebee
Sat Mar 16, 2024 12:12 pm
Forum: Personal Consumer Issues
Topic: Moving in retirement.
Replies: 29
Views: 3615

Moving in retirement.

We built our dream home many years ago. Between 10-20 acres. Retired now. Mid 50s/mid60's couple. We are well able to tend to what we have, but as we age we have a little bit of concern that we have bitten off more than we can chew. Lots of flower beds, gardening, farm needs. We have begun talking about moving, able to go anywhere, within reason. If we moved, it would be a major upheaval. We could make for a simpler retirement life, make it such that we could get up and go travel a lot more easily. Currently farm needs keep us travelling long periods at once. It is enjoyable, but it as if our hobbies and interests are our master. For those that moved after retirement, why? Was it tough to leave behind things you had built and dreamed about?...
by 4nursebee
Sat Mar 16, 2024 5:16 am
Forum: Personal Consumer Issues
Topic: Utilities cost?
Replies: 57
Views: 4394

Re: Utilities cost?

primetime wrote: Fri Mar 15, 2024 9:32 am Yes, I'm wondering how that compares to national average.
You show a lot more math and figures than the national average.
by 4nursebee
Sat Mar 16, 2024 5:14 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 6053
Views: 1037363

Re: Fidelity as a one stop shop

For those asking questions, there is a fidelity official reddit, I've seen reps come answer questions and be helpful

https://www.reddit.com/r/fidelityinvestments/
by 4nursebee
Fri Mar 15, 2024 4:38 pm
Forum: Personal Consumer Issues
Topic: Termite Quotes & Repair vs Damage warranty
Replies: 33
Views: 1978

Re: Termite Quotes & Repair vs Damage warranty

Hey y'all first I wanted to say thank you for all the replies, it has given me a lot to think about. I also wanted go apologize for some confusion in my initial post and follow up, I don't think I did a good job of being clear. I will blame it on posting too close to bed time. Few quick comments on what I have read so far and will try to reply to. 1. The home was a new construction build we bought early last year, with the bait stations installed by the pest control company. Thinking now, I don't there is any risk with identifying the company. It is Home Team Pest Defense. At the end of January/Beginning of February of this year, a tech came out and performed a check of the bait stations. I was unavailable at the time to watch and discuss ...
by 4nursebee
Fri Mar 15, 2024 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab cannot overnight a replacement debit card
Replies: 87
Views: 6419

Re: Charles Schwab cannot overnight a replacement debit card

Kudos to Schwab for detecting and stopping the fraud. You suffered no harm, no financial damage. I think you are suffering based upon internal expectations. Perhaps the issue is just the "need" for a physical card. I had a fraud issue on a GS issued apple credit card. I was outside working on a project when they alerted me. I called, five minutes later had a new CC, easy peasy. Tap to pay is awesome. My understanding of things is that there is better fraud protections using CCs compared to debit cards. I doubt that the person helping on the phone for a fraud issue actually has a new debit card machine on hand along with international overnight and secure shipping at the ready. They probably put in the order, it goes to a vendor, ...
by 4nursebee
Fri Mar 15, 2024 9:58 am
Forum: Personal Consumer Issues
Topic: Termite Quotes & Repair vs Damage warranty
Replies: 33
Views: 1978

Re: Termite Quotes & Repair vs Damage warranty

tldr: Put in modest effort to educate yourself and DIY or find someone you trust and have them handle things. I am a former national company sales person for termite and pest control, former commercial licensed to apply the same. Current restricted pesticide applicator for private use in my state. 1. There is a significant difference between subterranean termites and the kind that require fumigation. I have near zero understanding of the fumigation type other than having HIGH confidence that they are not what the OP is having issues with in NC. 2. Termidor can be DIY, certainly in NC. Read the label, do what it says. It is the law. You will end up doing exactly what the company does. 3. Termite bait stations are not something we used many ...
by 4nursebee
Fri Mar 15, 2024 9:47 am
Forum: Personal Consumer Issues
Topic: Termite Quotes & Repair vs Damage warranty
Replies: 33
Views: 1978

Re: Termite Quotes & Repair vs Damage warranty

tldr: Put in modest effort to educate yourself and DIY or find someone you trust and have them handle things. I am a former national company sales person for termite and pest control, former commercial licensed to apply the same. Current restricted pesticide applicator for private use in my state. 1. There is a significant difference between subterranean termites and the kind that require fumigation. I have near zero understanding of the fumigation type other than having HIGH confidence that they are not what the OP is having issues with in NC. 2. Termidor can be DIY, certainly in NC. Read the label, do what it says. It is the law. You will end up doing exactly what the company does. 3. Termite bait stations are not something we used many ...
by 4nursebee
Fri Mar 15, 2024 7:34 am
Forum: Personal Consumer Issues
Topic: Termite Quotes & Repair vs Damage warranty
Replies: 33
Views: 1978

Re: Termite Quotes & Repair vs Damage warranty

tldr: Put in modest effort to educate yourself and DIY or find someone you trust and have them handle things. I am a former national company sales person for termite and pest control, former commercial licensed to apply the same. Current restricted pesticide applicator for private use in my state. 1. There is a significant difference between subterranean termites and the kind that require fumigation. I have near zero understanding of the fumigation type other than having HIGH confidence that they are not what the OP is having issues with in NC. 2. Termidor can be DIY, certainly in NC. Read the label, do what it says. It is the law. You will end up doing exactly what the company does. 3. Termite bait stations are not something we used many y...
by 4nursebee
Fri Mar 15, 2024 7:16 am
Forum: Personal Consumer Issues
Topic: Termite Quotes & Repair vs Damage warranty
Replies: 33
Views: 1978

Re: Termite Quotes & Repair vs Damage warranty

[Topic is now in Personal Consumer Issues - mod mkc] Hey everyone! DW and I are coming up on our 1 year anniversary in our home and I am trying to see what people's experiences are with termite warranty claims. Our current company is national that is charging $380 for the annual renewal and uses bait stations. The national company did an inspection last month and said they found termites within the stations, but didn't really provide any detail or any type of report. When they called to talk about renewal a few weeks ago, the rep said he saw that they came out, but nothing was noted which fills me with confidence. After getting four quotes, I think we have narrowed it down to the final two. Our home is on a concrete slab, with the house be...
by 4nursebee
Fri Mar 15, 2024 7:10 am
Forum: Personal Consumer Issues
Topic: Termite Quotes & Repair vs Damage warranty
Replies: 33
Views: 1978

Re: Termite Quotes & Repair vs Damage warranty

bendix wrote: Thu Mar 14, 2024 9:33 pm Termidor is basically Fipronil and I would avoid that in my home. Not that I`d have any education or deep knowledge in this field, but just from trying to suss out which pesticides are more harmful to humans than others. Now, I dont know if there´s anything other than Fipronil effective against Termites as I havent been worried about it yet. I would see if I find something with Avermectin or Ivermectin as I`ve read this isnt all that poisonous for humans.
Are you eating dirt from the treatment area?
by 4nursebee
Fri Mar 15, 2024 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Applying for loans in retirement...
Replies: 25
Views: 2791

Re: Applying for loans in retirement...

digglersdirk wrote: Fri Mar 15, 2024 2:10 am Random tidbit to add: a former landlord had an investment property. While employed, the bank considered rental income when she applied for a refinance, but when she was retired they no longer considered rental income. This was true at nearly every mortgage lender and bank. She was sadly forced to sell her investment property because she just couldn’t refinance (despite considerable cash flow).

Had she refinanced 6 months earlier, she’d still own that property.
There has to be more to this story. Cash flow considerable = keep the property. Inadequate cash flow = sell the property.
Sounds like a poor business person.
by 4nursebee
Fri Mar 15, 2024 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Applying for loans in retirement...
Replies: 25
Views: 2791

Re: Applying for loans in retirement...

Lemonaid56 wrote: Wed Mar 13, 2024 5:13 pm So here is something we've never encountered.
I was applying for a small loan today. DW just retired last year and I am getting a tiny disability paycheck from work. So when the loan guy asks about income it hits me that it does not look like we have any money.
On teh contrary we are and will be fine financially for a taime so we have plenty set aside.
How do you handle loans when you aren't collecting SS or a pension yet and are living on what you've saved? When they ask about income I need to know what to say.
What did you say?
What was the response?
by 4nursebee
Fri Mar 15, 2024 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab cannot overnight a replacement debit card
Replies: 87
Views: 6419

Re: Charles Schwab cannot overnight a replacement debit card

Kudos to Schwab for detecting and stopping the fraud. You suffered no harm, no financial damage. I think you are suffering based upon internal expectations. Perhaps the issue is just the "need" for a physical card. I had a fraud issue on a GS issued apple credit card. I was outside working on a project when they alerted me. I called, five minutes later had a new CC, easy peasy. Tap to pay is awesome. My understanding of things is that there is better fraud protections using CCs compared to debit cards. I doubt that the person helping on the phone for a fraud issue actually has a new debit card machine on hand along with international overnight and secure shipping at the ready. They probably put in the order, it goes to a vendor, t...
by 4nursebee
Thu Mar 14, 2024 10:25 am
Forum: Personal Finance (Not Investing)
Topic: How long after death to transfer assets
Replies: 33
Views: 3210

Re: How long after death to transfer assets

Ok, so yesterday the adviser called to ask KYC questions, requested copy of drivers license and wanted social security numbers. These were given mid day, nothing further. Very frustrating when it literally takes minutes to open an account online with major firms.
by 4nursebee
Wed Mar 13, 2024 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: How long after death to transfer assets
Replies: 33
Views: 3210

Re: How long after death to transfer assets

I think the executor is providing the death certificate. There are or were about 10 different accounts that were TOD. Some IRAs, some annuities, and taxable accounts. 8 of them have already been distributed. The other two are with this advisor. Has anybody (hopefully executor) received funds from this "advisor?" If you are the only beneficiary for this particular account, it might be more complicated. I do not know if there is a time limit on how long it can take. I'd consider 10-60 days reasonable after they (the advisor's company) had received all paper work in good order. We had one company that was going to send us a check if we did not do something, and do it properly, to their standards, within 90 days. That would have resu...
by 4nursebee
Wed Mar 13, 2024 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: How long after death to transfer assets
Replies: 33
Views: 3210

Re: How long after death to transfer assets

dknightd wrote: Wed Mar 13, 2024 10:24 am
4nursebee wrote: Wed Mar 13, 2024 9:38 am
I agree except do not have any death certificates. Executor also an heir, providing one form from one heir easier than everyone doing the same.
You might want to get a copy of the death certificate. Just in case. . .
Yes, we have asked.
Seeing the executor in person in a month, will try again then
by 4nursebee
Wed Mar 13, 2024 10:14 am
Forum: Investing - Theory, News & General
Topic: Direct Indexing Adventure
Replies: 180
Views: 36488

Re: Direct Indexing Adventure

Thanks for this topic.

What are your longer term plans with this account?
I am curious what happens to short term vs long term harvesting as the year progresses.
As much TLH short term as you have done, it seems like you will be soon capped at 3k? What is the benefit for a long term larger account if one does not have short term gains?

We need this for international also, not excluding anything.
by 4nursebee
Wed Mar 13, 2024 9:57 am
Forum: Personal Investments
Topic: Tax loss harvesting and buying like funds
Replies: 12
Views: 922

Tax loss harvesting and buying like funds

Just had a zoom meeting with Fido rep. We are expecting a follow up email discussing tax management strategies such as tax loss harvesting. We know and accept that if we sold SPY ETF and bought it back within 30 days that we do not get tax loss harvesting benefits. But what about if we sell SPY when/if the market is down, and then buy something similar like VTI? Can we harvest losses yet capture any move up without market timing? Or does the IRS not allow this based upon moving into a similar fund?

Thank you.

If allowed, does anyone do this?
by 4nursebee
Wed Mar 13, 2024 9:38 am
Forum: Personal Finance (Not Investing)
Topic: How long after death to transfer assets
Replies: 33
Views: 3210

Re: How long after death to transfer assets

Nate79 wrote: Wed Mar 13, 2024 7:10 am I dont think you need an executor to provide a death certificate for a TOD account. The beneficiary/family members can handle that themselves.
I agree except do not have any death certificates. Executor also an heir, providing one form from one heir easier than everyone doing the same.
by 4nursebee
Wed Mar 13, 2024 5:34 am
Forum: Personal Finance (Not Investing)
Topic: How long after death to transfer assets
Replies: 33
Views: 3210

Re: How long after death to transfer assets

CAsage wrote: Tue Mar 12, 2024 9:12 pm I had thought that any account with a true TOD designation does NOT go through probate, and the will or executor has nothing to do with it. The beneficiaries should directly work with the brokerage. Or get their own lawyer, or take it up the customer service chain at Stonex (not Stonewall???). (that was a joke). Seriously, if there is a TOD - nothing to do with executor. Vanguard did this for me in days.
I think the executor is providing the death certificate.

There are or were about 10 different accounts that were TOD. Some IRAs, some annuities, and taxable accounts. 8 of them have already been distributed. The other two are with this advisor.
by 4nursebee
Wed Mar 13, 2024 5:31 am
Forum: Personal Finance (Not Investing)
Topic: How long after death to transfer assets
Replies: 33
Views: 3210

Re: How long after death to transfer assets

avalpert1 wrote: Tue Mar 12, 2024 9:40 pm What type of assets are in the account? It is possible it could be some sort of illiquid fund (real estate, hedge funds, etc.) that have limited periods for distributions and they have to wait for that.
The assets are in stocks and bonds.
by 4nursebee
Tue Mar 12, 2024 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: How long after death to transfer assets
Replies: 33
Views: 3210

Re: How long after death to transfer assets

snackdog wrote: Tue Mar 12, 2024 9:00 am Set up a conference call with Executor and slow advisor. Be clear on your issues and get an agreed timeline for resolution. Follow up. These things can take months or even years depending on what is happening.
Thanks.

I don't get it. The advisor said last week it would be last week. Then last week he said Monday. I hate the over promise under deliver way of doing things. It is the advisor that set the expectation up.
by 4nursebee
Tue Mar 12, 2024 8:31 am
Forum: Personal Finance (Not Investing)
Topic: How long after death to transfer assets
Replies: 33
Views: 3210

Re: How long after death to transfer assets

increment wrote: Tue Mar 12, 2024 8:15 am
Geologist wrote: Tue Mar 12, 2024 7:24 am The asset manager has no legal reason to respond to you. What you need to do is "push the executor along".
Does OP mean "everything else that was TOD/POD" (i.e., this account is TOD/POD), or "everything else was TOD/POD" (i.e., this account is not TOD/POD)? If this account is TOD/POD, then the situation is the opposite and the asset manager may have no legal reason to respond to the executor.
The account in question is TOD
All the other TOD accounts are in our bank already.
by 4nursebee
Tue Mar 12, 2024 7:27 am
Forum: Personal Finance (Not Investing)
Topic: How long after death to transfer assets
Replies: 33
Views: 3210

Re: How long after death to transfer assets

Geologist wrote: Tue Mar 12, 2024 7:24 am
4nursebee wrote: Tue Mar 12, 2024 7:19 am
Geologist wrote: Tue Mar 12, 2024 7:11 am If you aren't the executor, what authority do you have to "push things along"?
I have no idea hence asking here.
They have said they would email us stuff two different times and not come through.
I had been assuming you were the executor. Only the executor has legal authority over the estate. The asset manager has no legal reason to respond to you. What you need to do is "push the executor along".
Thanks.
We know the executor. In what manner can they push along things?

And, how long can they take?
by 4nursebee
Tue Mar 12, 2024 7:19 am
Forum: Personal Finance (Not Investing)
Topic: How long after death to transfer assets
Replies: 33
Views: 3210

Re: How long after death to transfer assets

Geologist wrote: Tue Mar 12, 2024 7:11 am If you aren't the executor, what authority do you have to "push things along"?
I have no idea hence asking here.
They have said they would email us stuff two different times and not come through.