Search found 8778 matches

by stan1
Sun Sep 27, 2020 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Adding attachment to TurboTax e file?
Replies: 7
Views: 519

Re: Adding attachment to TurboTax e file?

I requested an extension for my 2019 tax and plan to file by Oct. 15. I usually use Turbo tax to e-file. This year I have an unusual tax situation. I plan to write an explanation and include additional documents to support my explanation. Is there anyway to include my explanation as an attachment w...
by stan1
Sun Sep 27, 2020 6:26 pm
Forum: Personal Investments
Topic: New to Vanguard
Replies: 5
Views: 657

Re: New to Vanguard

Questions. Is the Vanguard Personal advisor something we should consider? Trying hard to retire in 5-8 years, wife maybe 2 (she just hit 30 years at current employer). Paid off the house right before the pandemic and both got decent raises so need some suggestions on where to put it. Thanks guys. P...
by stan1
Sun Sep 27, 2020 6:14 pm
Forum: Personal Investments
Topic: Vanguard Customer Service: How to Proactively Avoid a Problem
Replies: 15
Views: 1249

Re: Vanguard Customer Service: How to Proactively Avoid a Problem

9liner wrote: Sun Sep 27, 2020 6:10 pm Why don’t you initiate the transfer through whatever company handles your 401k?
Yes, that's a good idea IF the 401K provider will do it AND if Vanguard will send it. Probably depends on the details of what's involved.
by stan1
Sun Sep 27, 2020 6:04 pm
Forum: Personal Investments
Topic: Vanguard Customer Service: How to Proactively Avoid a Problem
Replies: 15
Views: 1249

Re: Vanguard Customer Service: How to Proactively Avoid a Problem

You would get such a person (account transfer specialist) if you were bringing the 401K balance into Vanguard, but not for moving money out. I don't have a suggestion for you other than trying to make the transaction as simple as possible so it is handled correctly. Flagship reps may have helped in ...
by stan1
Sun Sep 27, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Early payout of legacy pension
Replies: 2
Views: 363

Re: Early payout of legacy pension

If you do a backdoor Roth IRA contribution every year you'd probably want to roll it into the Traditional 401K not a new Traditional IRA at Vanguard. As you've figured out it is a play on life expectancy. Also consider survivor benefits with the pension if there are any although you don't mention a ...
by stan1
Sun Sep 27, 2020 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tech/IT to govt jobs
Replies: 63
Views: 4058

Re: Tech/IT to govt jobs

To be fair, I have no idea how the HR folks are screening the applicants before I see them. I only see the top five resumes before we do interviews. Maybe we have some great sysadmins getting eliminated just because they don't have Veterans' Preference or an active security clearance or an active C...
by stan1
Sun Sep 27, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Rental car company charged me for toll road I did not use
Replies: 31
Views: 2312

Re: Rental car company charged me for toll road I did not use

I rented a car from Denver last year from Budget. My situation changed, so I did not end up picking up the rental. A few weeks later I got charged for tolls. I disputed it with my credit card company, wrote a letter explaining, but Budget continued to say I was liable. They even sent it to collecti...
by stan1
Sun Sep 27, 2020 9:37 am
Forum: Investing - Theory, News & General
Topic: iShares MSCI World ETF vs. Vanguard VT
Replies: 9
Views: 852

Re: iShares MSCI World ETF vs. Vanguard VT

I personally would not choose a 0.24% expense ratio ETF as a core holding in 2020 when there are many total US market funds below 0.04% and total international funds at or below 0.08%. For example if you don't want emerging market international exposure you could use VEA with an expense ratio of 0.0...
by stan1
Sun Sep 27, 2020 8:41 am
Forum: Personal Consumer Issues
Topic: Rental car company charged me for toll road I did not use
Replies: 31
Views: 2312

Re: Rental car company charged me for toll road I did not use

The error is common. Call and walk Hertz through it. They have the data: when you returned the car and when the toll was incurred. If the toll was incurred after you returned the car the amount will be refunded. Sometimes the drop off point gets so backlogged the staff tell people to just leave keys...
by stan1
Sat Sep 26, 2020 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab closed my checking $0 account without a warning. Is that common?
Replies: 26
Views: 2197

Re: Schwab closed my checking $0 account without a warning. Is that common?

Is it common for banks to slap the door due to inactivity without even a warning? I had an Ally checking account before, but they warned me before closing it, so now I am wondering how common is this practice among banks? If it is not that common or only Schwab do this, then I will under no circums...
by stan1
Sat Sep 26, 2020 3:53 pm
Forum: Personal Consumer Issues
Topic: Hiring a Security Guard Agency
Replies: 30
Views: 2375

Re: Hiring a Security Guard Agency

Do you also hire security guards when you go on vacation? This is a bizarre idea.... :confused Actually if you google “break-ins of fumigated homes”, it’s not as uncommon as you think. The presence of the tent is a dead giveaway that anyone can see that the house is empty. With vacations, the homeo...
by stan1
Sat Sep 26, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I go for online Will making software?
Replies: 80
Views: 5119

Re: Should I go for online Will making software?

Jumping on this thread rather than starting a new one.... Live in CA Single Renter, don't own any property All investment accounts have beneficiaries listed Only thing of real value I even have is my car Any suggestions for someone in my shoes? Do I really need a will? I guess there is the health c...
by stan1
Sat Sep 26, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: What are subscriptions that add the most value in 2020?
Replies: 54
Views: 4053

Re: What are subscriptions that add the most value in 2020?

Is Microsoft 365 worth it? I get HEAVILY discounted Office 2016 for personal use through my work. Is there anyway to get low or now cost Teams for personal use? If you get a perpetual Office license at very low cost then probably no. Do you and other family members pay for cloud storage? M365 with ...
by stan1
Sat Sep 26, 2020 9:18 am
Forum: Personal Finance (Not Investing)
Topic: estate planning attorneys: how to split an inheritance?
Replies: 28
Views: 2240

Re: estate planning attorneys: how to split an inheritance?

I prefer simple estate plans so would just leave money in an equal split to children while all grandchildren are minors. Too many possible complications such as additional grandchildren by birth or adoption or from another marriage after a divorce. If you name the grandchildren you risk leaving one ...
by stan1
Fri Sep 25, 2020 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Home Listing Mess-Up
Replies: 36
Views: 3797

Re: Home Listing Mess-Up

This is what would worry me. As I understand it, it is whoever is available and not just one agent that shows it. So, you may very well have someone that has never been in the house showing it. What is the point? Might as well just put a lock box on it (which even non-Redfin realtors do do in certa...
by stan1
Fri Sep 25, 2020 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tech/IT to govt jobs
Replies: 63
Views: 4058

Re: Tech/IT to govt jobs

In DC, a GS-14 step 1 comes in about $121k. Unless you're willing to take a 50% pay cut, I wouldn't bother looking at fed jobs. Would someone with 20 years IT experience come in as a GS-14 step 1? I think the OP would be able to negotiate a bit. As a gross generalization, GS-15s fall into one of th...
by stan1
Fri Sep 25, 2020 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have no elder care plan - What are the concerns?
Replies: 25
Views: 2175

Re: Parents have no elder care plan - What are the concerns?

Also, it would be nice for my kids to be able to see them when they can no longer drive and it's going to be harder logistically to drive them 1.5 hours each way to visit as compared to living closer to me where I could just bring them by for an hour or so. Your parents are 70 and 73. If they maint...
by stan1
Fri Sep 25, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have no elder care plan - What are the concerns?
Replies: 25
Views: 2175

Re: Parents have no elder care plan - What are the concerns?

Establishing PODs/beneficiaries on all accounts and an estate plan would be a first step. I helped my mom do this and did her estate plan using Legal Zoom. As for planning for future care this one is much harder. No one knows what their future needs will be. With my relatives we've found out that as...
by stan1
Thu Sep 24, 2020 9:09 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9900

Re: PC Build Thread 2020

dwc13 wrote: Thu Sep 24, 2020 12:08 am
Monitor -- Ordered a S2721DGF 27" QHD FreeSync Premium (G-SYNC compatible) 165 Hz IPS gaming monitor from Dell. Still waiting...
Mine is supposed to arrive Oct 20. Hoping it comes earlier.
by stan1
Thu Sep 24, 2020 9:04 pm
Forum: Personal Consumer Issues
Topic: Best chair cushion for working?
Replies: 5
Views: 401

Re: Best chair cushion for working?

Thinking through it: First you'd want to measure the size of the seating surface on the chair and focus on cushions that aren't too big or too small. Should be about the size of the seating surface so it stays in place and is flat. Then, think about your body dimensions (height, weight). A dining ro...
by stan1
Thu Sep 24, 2020 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Lawsuit settled, how long to keep paperwork
Replies: 3
Views: 526

Re: Lawsuit settled, how long to keep paperwork

This was a civil case that settled via mediation. Is there any need to keep the supporting documents, logs, evidence? I'm not an attorney, but if it was me I would scan it, back it up, and keep it "forever". Maybe there is some material that is less important that might not need to be retained but ...
by stan1
Thu Sep 24, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Cost Basis problem transfer of assets from Vanguard to Schwab
Replies: 34
Views: 2088

Re: Cost Basis problem transfer of assets from Vanguard to Schwab

Was the specific ID cost basis correct at Vanguard at the time you initiated the transfer? Do you have a screen capture saved showing the correct specific ID cost basis in the Vanguard account? I'd wonder if that one fund was actually set to average cost basis when you transitioned it out of Vanguard.
by stan1
Thu Sep 24, 2020 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Should I go for online Will making software?
Replies: 80
Views: 5119

Re: Should I go for online Will making software?

Not sure that I agree. Many/most assets can be assigned to spouse/beneficiaries by PoD/ToD. A will is ignored in such cases. In CA, a house can also be transferred by ToD. In our case, we have 99% of everything setup that way. The other 1% the kids can fight over or donate to Goodwill. As the kids ...
by stan1
Wed Sep 23, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4340

Re: Smoker next door

Why can't you talk to them and ask them to smoke elsewhere? Lol. Sure, the OP *could* do that, but I don't think it would go over well. A condo resident has the right to smoke on their own patio and I doubt any smoker would see it otherwise. So you'd go straight to advising OP to list the condo the...
by stan1
Wed Sep 23, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4340

Re: Smoker next door

I know I can’t ask them not to smoke, I put out a fan but it’s doing very little. Looking for any solutions, Thanks. Why can't you talk to them and ask them to smoke elsewhere? The condo CC&Rs may address smoking but even if they do the HOA probably can't do much more than send a warning note. If t...
by stan1
Wed Sep 23, 2020 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Should I go for online Will making software?
Replies: 80
Views: 5119

Re: Should I go for online Will making software?

$1500 for Living Will, Health-care proxy, Guardianship of kid, Power of Attorney, Estate plan for me & spouse. I am missing something... of course I do, I do not have an agreement :) That's a low cost option where the attorney/paralegal will enter your data into their estate plan writing software. ...
by stan1
Tue Sep 22, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance App (if you start fresh)?
Replies: 32
Views: 1437

Re: Personal Finance App (if you start fresh)?

Imagine you are a recent graduate and just started your first job. What app/program would you start to use today? Obviously, free option is better but not required. If possible, can you provide the pros/cons of your suggestion as well? I think Mint is a good choice and especially for that audience ...
by stan1
Tue Sep 22, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Computer Monitor, what to get? (So many options)
Replies: 24
Views: 1370

Re: Computer Monitor, what to get? (So many options)

For 27"+ monitors, I would get QHD (2560x1440) resolution at minimum. Agree, do not get a 1080 monitor. Spend the extra $100 or so. The 1440 height dimension helps for email, web browsing and document viewing. Whether you go with 27", 32", or bigger curved is in part distance from your eye to the m...
by stan1
Mon Sep 21, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce - Need Help, California
Replies: 40
Views: 4038

Re: Divorce - Need Help, California

confusedinvestor wrote: Mon Sep 21, 2020 2:20 pm I dont even know at this point what DW is pursuing or if she is open to mediators
If you don't know what she is pursuing it means she is talking her attorney, and you should talk to yours as well. Not much other advice we can give you.
by stan1
Mon Sep 21, 2020 9:10 am
Forum: Investing - Theory, News & General
Topic: Vanguard Account Upgrade and Dividend Reinvestment
Replies: 14
Views: 1695

Re: Vanguard Account Upgrade and Dividend Reinvestment

Also make sure the cost basis method didn't change when the accounts were converted.
by stan1
Mon Sep 21, 2020 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Home Listing Mess-Up
Replies: 36
Views: 3797

Re: Home Listing Mess-Up

I'd start over. Interview several agents. Ask for comparative market analysis and what needs to be done to sell the house quickly (assuming you do want to sell it). Do the online photos show the house to be decluttered and cleaned? Realtors won't work very hard to sell an over-priced house, especial...
by stan1
Sat Sep 19, 2020 12:00 pm
Forum: Investing - Theory, News & General
Topic: Lars Kroijer: If you are not in Total World (VT or VTWAX) you are market timing!
Replies: 50
Views: 4436

Re: Lars Kroijer: If you are not in Total World (VT or VTWAX) you are market timing!

He is Danish, is he speaking to Americans or the world at large? I would not at this time advise Europeans to eschew American stocks. Total World seems appropriate. For Americans over 50, given what I know today, I think they are OK being US only if that's a preference. Be honest with yourself about...
by stan1
Sat Sep 19, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Are deleted videos on Iphone really deleted?
Replies: 17
Views: 2046

Re: Are deleted videos on Iphone really deleted?

Is the video backed up to iCloud or any other cloud or device syncing service (Google, Dropbox, etc)?

If the intent is to make sure it is deleted you'd want to check those locations also.
by stan1
Sat Sep 19, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: Safest/Best way to sell an Iphone 7
Replies: 25
Views: 1146

Re: Safest/Best way to sell an Iphone 7

One option is a local phone repair/used phone shop. The people working there will buy it from you for cash either as part of the business or on the side. I don't know if you would get top price but you wouldn't need to ship and would have cash in a few minutes. A bit seedy? Maybe, but the guys/gals ...
by stan1
Fri Sep 18, 2020 10:14 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9625

Re: Quicken Disaster!

Don't ask me how I know, but you need to try it on a different Windows install (in a VM, on a different computer, Windows restore, whatever). It would be a mistake to assume it is a corrupted data file without ruling out a complex interoperability and configuration problem between Windows and Quicke...
by stan1
Thu Sep 17, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: Too Many Monthly Digital Subscriptions - Time for Apple One?
Replies: 25
Views: 2535

Re: Too Many Monthly Digital Subscriptions - Time for Apple One?

We have paid Netflix, Amazon Prime, Microsoft 365, Dropbox, iTunes, and $0.99 Apple storage. Have tried to neck down but each is a little better in different areas than others.
by stan1
Thu Sep 17, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9900

Re: PC Build Thread 2020

LadyGeek wrote: Thu Sep 17, 2020 5:06 pm ^^^ I was thinking about that. :)
I could definitely see you rocking a chill ice white/silver/blue vibe on your RGB memory, cards, and fans as you keep the forum in check
by stan1
Wed Sep 16, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9625

Re: Quicken Disaster!

You'd have to decide whether this is worth the effort to you but there is the clean reinstall of WIndows option. I've found some difficult to troubleshoot issues between Quicken and Windows in the past. I just don't think the evidence leaves much room for that kind of failure. Note that if I reinst...
by stan1
Wed Sep 16, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: Identity Theft
Replies: 3
Views: 419

Re: Identity Theft

Definitely need to report it to state unemployment agency and I would also at least attempt to file a police report by phone given the dollar amount and involvement of a government program. You won't be the first case they've had reported.
by stan1
Wed Sep 16, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9625

Re: Quicken Disaster!

You'd have to decide whether this is worth the effort to you but there is the clean reinstall of WIndows option. I've found some difficult to troubleshoot issues between Quicken and Windows in the past.
by stan1
Mon Sep 14, 2020 7:48 pm
Forum: Personal Investments
Topic: Is there a tax-efficient, one-fund portfolio?
Replies: 25
Views: 2574

Re: Is there a tax-efficient, one-fund portfolio?

What is your tax rate, age, and timeframe for when you might spend money out of this account? Holding one of the LifeStrategy funds in a taxable account is not a major "no-no" in many cases (especially with low interest rates). 22%, 34 years old, plan to retire around 70. So you will be working for...
by stan1
Sun Sep 13, 2020 11:47 am
Forum: Personal Finance (Not Investing)
Topic: To architect or not to architect?
Replies: 21
Views: 2099

Re: To architect or not to architect?

I remember some of your previous posts but maybe have not kept up because that was before you had purchased a lot. Is this a tear down lot? I think you should find a design build firm. I've seen nothing in your posts to indicate that you want homebuilding to be an all consuming experience for 2-3 ye...
by stan1
Sun Sep 13, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: Bike Recommendation
Replies: 74
Views: 5456

Re: Bike Recommendation

Where are you going to ride? Street, trails, track?

I'd only get a BMX bike if you were going to be riding with the kids motocross style. If you are going to ride paved or dirt trails I would not get a BMX bike.
by stan1
Sun Sep 13, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: what do others pay for umbrella insurance, and is it needed?
Replies: 58
Views: 4622

Re: what do others pay for umbrella insurance, and is it needed?

I'd generally get all of it from the same company so they have skin in the game if there's a claim and no questions about who is accountable. My view on insurance is that we have more than enough to pay the premiums each year but not enough to cover a very large loss. Our auto, home, umbrella, and e...
by stan1
Sun Sep 13, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: Looking for reliable printer compatible with PC+Chromebook
Replies: 11
Views: 690

Re: Looking for reliable printer compatible with PC+Chromebook

Personally I would get a brother black and white laser printer. Laser cartridges are just less hassle than toner. Black and white is lower cost. If I want to print a photo I use a photo printing service such as Walmart, but these days I mostly look at photos on a tablet or phone rather than printing...
by stan1
Sun Sep 13, 2020 8:55 am
Forum: Personal Investments
Topic: Taxable Account: Recommended method to covert to 100% Vanguard Index Funds?
Replies: 13
Views: 845

Re: Taxable Account: Recommended method to covert to 100% Vanguard Index Funds?

The easiest part of your questions is yes you should turn off dividend and capital gains distribution reinvestment. You could direct those cash flows into something like Total Stock Market which is likely to be a core holding in a index fund taxable account. Then I'd become very familiar with the un...
by stan1
Sat Sep 12, 2020 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Another "They're raising my LTC premium" posts
Replies: 14
Views: 1731

Re: Another "They're raising my LTC premium" posts

Bammerman wrote: Sat Sep 12, 2020 4:53 pm Especially without being able to see into the future. My health is good, at present.
First question is, do you still need LTCI or are you more comfortable today self insuring because portfolio is bigger than you thought it might be for your age?
by stan1
Fri Sep 11, 2020 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Have you seen 'Dark Web Alert - Compromised Email Address' message?
Replies: 9
Views: 1077

Re: Have you seen 'Dark Web Alert - Compromised Email Address' message?

All of my email addresses are compromised in some way. I have no plans to change them. I use spam filters on email accounts and keep my operating system and anti-malware software patched. I don't click on links or open unexpected attachments. I verify senders (e.g. make sure I don't open an email fr...
by stan1
Fri Sep 11, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: Miele Appliances for New Build Condo
Replies: 32
Views: 1714

Re: כשר כשר

Bogle7 wrote: Fri Sep 11, 2020 1:44 pm
NewMoneyMustBeSmart wrote: Fri Sep 11, 2020 1:10 pmCan you help me understand how you use two dishwashers?
Keeping a Kosher household.
That, and doing a lot of entertaining. Definitely helps to be able to load up the second dishwasher after a large family gathering or holiday party.
by stan1
Fri Sep 11, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: selling house advice
Replies: 27
Views: 3041

Re: selling house advice

When I sold my mom's house a few years ago that hadn't been updated since it was built in the 1960s here's what I did. Her furniture was all old so I got rid of all of it. Realtor and I agreed house was better empty than having old furniture be a distraction. I removed all of the dated window coveri...