Search found 5239 matches

by stan1
Mon Feb 19, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Gifting to Parent who might need Medicaid Nursing Home
Replies: 6
Views: 414

Re: Gifting to Parent who might need Medicaid Nursing Home

We will not be gifting her money to heirs to accelerate burndown and want her to pay as best she can. The money is there for her to use for her end of life care, her heirs don't need it. Also I don't mind contributing to her living expenses. If she passes on before her funds are depleted I'll get mo...
by stan1
Mon Feb 19, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 14
Views: 660

Re: Seeking Cruise Suggestions

Maybe Windstar (sailing or power yachts) or Seadream? What I like about them is that they are small ships but are older so not as many fancy amenities. They go to smaller, less visited destinations that 1000+ person ships can't go to. Not really child friendly. Small enough you can easily meet peopl...
by stan1
Mon Feb 19, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Gifting to Parent who might need Medicaid Nursing Home
Replies: 6
Views: 414

Gifting to Parent who might need Medicaid Nursing Home

My mom is 84. I have been giving her about $8000 per year which combined with her SS and investing income from a $250K conservative portfolio gets her to a break even point with expenses. She lives in a senior apartment with close supervision, a daily lunch, and group activities that help her cognit...
by stan1
Mon Feb 19, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 17
Views: 1247

Re: Email from IRS this morning- is my information compromised?

Agree you should try to log into the account by typing the website URL directly into the browser (not by clicking on links). The most likely issue is that someone has mistyped their username (e.g. is typing stanl instead of stan1 using my username as an example). The directions the email gave you se...
by stan1
Sun Feb 18, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Using Turbotax in year of home purchase
Replies: 8
Views: 615

Re: Using Turbotax in year of home purchase

Sure, handles it handles both buying and selling a home fine. Millions of people do so a year. I'd use the interviews rather than trying to direct enter on forms. If you direct enter on forms you can miss important boxes. Incorrect data entry is a major cause of "errors" with tax software.
by stan1
Sun Feb 18, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 43
Views: 4252

Re: $12,000 Refrigerator?

For a high end built-in refrigerator I'd go with Subzero, Miele, Thermador, or Bosch (most built in models of the last 3 brands are built on the same assembly line in Turkey). Interesting. What's the company that builds them in Turkey? Like Foxconn in China for phones? Bosch is a separate company f...
by stan1
Sat Feb 17, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Is Enterprise Architecture worth building career upon?
Replies: 12
Views: 1009

Re: Is Enterprise Architecture worth building career upon?

My simple advice in IT is to move around and be recognized as an expert in many areas. Specialization today leads to obsolescence tomorrow. You want to be known as the person who picks things up, gets them done, and then moves onto the next big problem (whatever that is). That's how you show your va...
by stan1
Sat Feb 17, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Good store for roller shades?
Replies: 11
Views: 722

Re: Good store for roller shades?

If you are remembering the roller shade product your grandparents might have had in their home (like mine did) -- I don't think it exists any more.
by stan1
Sat Feb 17, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 43
Views: 4252

Re: $12,000 Refrigerator?

For a high end built-in refrigerator I'd go with Subzero, Miele, Thermador, or Bosch (most built in models of the last 3 brands are built on the same assembly line in Turkey).
by stan1
Sat Feb 17, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5642

Re: Effect of spending money on appearance in career

I think I certainly can do more to look the part, just not looking forward to it. This is a male dominated board so answers here may skew that way. Some women will reply. I'd also recommend finding a professional female mentor in your industry or community if there isn't someone in your company. In...
by stan1
Sat Feb 17, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5642

Re: Effect of spending money on appearance in career

I'll start by writing that I'm male. Unfortunately it does end up as a factor for men and women. I'll go out on a limb and say, in general, active and healthy looking, energetic men and women over 50 have less change of "age discrimination" all other things equal than peers who are overweight or see...
by stan1
Sat Feb 17, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: How to cancel TV and not Internet w/ Spectrum Time Warner
Replies: 18
Views: 1222

Re: How to cancel TV and not Internet w/ Spectrum Time Warner

You may find the cost savings of internet only compared to TV plus internet isn't as much as you hope.
by stan1
Sat Feb 17, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: FEHB or Tricare into Retirement
Replies: 4
Views: 288

Re: FEHB or Tricare into Retirement

don’t “drop it” — you should “suspend” it [/color] ( if you do decide to go with TriCare for Life they have a number on their website that can help you with the forms). if you drop it, you can’t get back; if you suspend you need to only wait until open season You might want to check out the TriCare...
by stan1
Sat Feb 17, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: FEHB or Tricare into Retirement
Replies: 4
Views: 288

Re: FEHB or Tricare into Retirement

My friend retired with TriCare. As a condition to keeping TriCare in retirement, he is required to also be covered and pay for Medicare B. Since he and his wife have good incomes, those premiums for Medicare B are high. Just something to consider. Feds who retire with FEHB have the option to enroll...
by stan1
Sat Feb 17, 2018 5:54 am
Forum: Personal Finance (Not Investing)
Topic: FEHB or Tricare into Retirement
Replies: 4
Views: 288

FEHB or Tricare into Retirement

I realize this may be a specialized question but maybe someone has thought through this before. I am 50 years old and am a federal employee. I have FEHB health coverage. Three years ago I married a military retiree so I also have Tricare Select coverage. I have kept the FEHB coverage as primary. I r...
by stan1
Fri Feb 16, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: House for sale AO with concern
Replies: 11
Views: 930

Re: House for sale AO with concern

I know realtors are well-despised on this forum but souring a relationship mid way through the transaction over 5-6% of $5000 ($250-300) seems short sighted. Lots can still go wrong and you'd want the agent to keep working hard to close the sale. Keep in mind the selling agent splits the commission ...
by stan1
Fri Feb 16, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: First time Home Buyer in HCOL area - funds check
Replies: 16
Views: 1725

Re: First time Home Buyer in HCOL area - funds check

You are in good shape. If you can find something in the $400K range that you think would work well until your child left high school that would be best. If you have to go up to the $450-500K range to get that it comes with the choice to live in a high cost area. Schools are important but also keep o...
by stan1
Fri Feb 16, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Laid off ...next steps
Replies: 27
Views: 4123

Re: Laid off ...next steps

Sorry to hear the news. I think your network is the best source especially with an advanced degree. I would prepare several resumes to start: one that emphasizes your specialty and one that emphasizes more of your general skills supported by your specialty. Idea would be to have a resume that gives ...
by stan1
Fri Feb 16, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2477

Re: USAA 41% More For Car Insurance

How you are eligible for USAA coverage matters. If you are a retired officer their rate structure can be very different than if you are the child of an enlisted member (as an example). Shop around. USAA has taken good care of us the few times we have needed them but since my spouse is a retired offi...
by stan1
Fri Feb 16, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: House for sale AO with concern
Replies: 11
Views: 930

Re: House for sale AO with concern

This is very common in many markets especially at a lower price point where buyers aren't bringing 20% or more in cash. It does not necessarily mean the buyer is cash strapped and can barely afford the house; they may want to save their cash for furniture or work on the house or not pull cash out of...
by stan1
Thu Feb 15, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Employer Seems Clueless About HSAs and Taxes
Replies: 4
Views: 456

Re: Employer Seems Clueless About HSAs and Taxes

I do not have an HSA but I would expect the interview process on the tax software to handle this situation correctly. I would use the tax software as intended if possible and then validate the forms before submitting to make sure something wasn't double counted or omitted.
by stan1
Sun Feb 11, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Driving a rental car in Western Europe
Replies: 46
Views: 1531

Re: Driving a rental car in Western Europe

We were hoping to make many stops. (Bacharach, Munich, Venice, Florence, Rome, Cinque Terre, Alps, and Paris.)
How many days? That's a large amount of ground to cover. You'll be driving by a lot of interesting places without stopping.
by stan1
Sun Feb 11, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3737

Re: Home buying: how to send postcards to neighborhood we want to live in?

In my neighborhood one realtor has represented the seller or buyer in more than 50% of the sales over the last 20 years. Before that she operated the builder's sales office so if you factor that in she's sold every house in the neighborhood of about 60 houses. Is there a realtor like that in the are...
by stan1
Sun Feb 11, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4870

Re: I didn't tax-loss harvest this month, did you?

No, I haven't bought anything in taxable since November. I think I may have had $75 short term loss in one ETF that's now positive again, not worth the hassle.
by stan1
Sun Feb 11, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 4512

Re: Can I afford to move to a lower paying career?

The teaching option sounds great, especially if you enjoy doing it and it would fit into the lifestyle you want to have in the early years of retirement. Such jobs are very hard to find around here (very competitive to get or are essentially hourly positions that don't pay anywhere near $60K/year in...
by stan1
Sun Feb 11, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Why paying off loans would be better than fully funding 401k?
Replies: 87
Views: 6162

Re: Help with what to do, pay debt, fund 401k, EF? TLH of taxable to fund one of these

First I'd say you need minimum 3-6 months expenses saved in an emergency fund and your wife's buy-in that money won't be spent for vacations, etc. in the future. With only $2500 in your emergency fund you are low and are set up to take on more credit card debt if a large unplanned expense hits. It's...
by stan1
Sun Feb 11, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Family expecting “comps”
Replies: 38
Views: 4702

Re: Family expecting “comps”

Family drama. Maybe there are some other underlying tensions? Seems doubtful this would have exploded all of the sudden if there's been a standard practice between your businesses for years.
by stan1
Sun Feb 11, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Getting deeper small-cap value exposure in taxable is almost free
Replies: 45
Views: 6923

Re: Getting deeper small-cap value exposure in taxable is almost free

Cost of trading is reflected in the expenses Expense Ratio The expense ratio is the annual fee that all funds or ETFs charge their shareholders. It expresses the percentage of assets deducted each fiscal year for fund expenses, including 12b-1 fees, management fees, administrative fees, operating c...
by stan1
Sun Feb 11, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 29
Views: 1888

Re: Good Hotel in DC

I'm partial to The Mayflower. It's right near Farragut North and Farrugut West on the Metro. There are also plenty of restaurants and shops on Connecticut Ave and in the surrounding area. There is plenty of history about the hotel itself, the rooms are nice and the restaurant is quite good. I've st...
by stan1
Sun Feb 11, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Getting deeper small-cap value exposure in taxable is almost free
Replies: 45
Views: 6923

Re: Getting deeper small-cap value exposure in taxable is almost free

how much weight does it make sense to give to portfolio turnover when evaluating these small cap value funds There's a lot going on under the hood but what's on the surface is expense ratio and whether there are capital gains distributions. Vanguard has shown they can lower expenses with savings pa...
by stan1
Sun Feb 11, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning and Pre or Post Tax
Replies: 6
Views: 608

Re: Retirement Planning and Pre or Post Tax

If you have most of your retirement assets in Traditional 401K/IRA accounts yes you should take taxes into account. The way I do that is by including taxes in my estimated annual expenses (withdrawal). I'd set it up so you can vary the tax rate if you move to a different state.
by stan1
Sun Feb 11, 2018 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 5854

Re: Live / work in California - Technology Career

Other point is that not everyone in IT/tech here makes $250K/year. Many, many people in those jobs even at companies like Cisco, Qualcomm, or Google make half that even with a master degree and 10-20 years of experience. You have to be at the top of your field to make the big bucks, and many of tho...
by stan1
Sat Feb 10, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 5854

Re: Live / work in California - Technology Career

These are hypotheticals but if you'd want a condo with an ocean view I think you'd need $500K/year or more. If you are OK being 10-15 minutes away in a very nice condo complex drop it to maybe $350K/year. If you are OK being 30 minutes from the beach or in a less than prime neighborhood down to $200...
by stan1
Sat Feb 10, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 29
Views: 1888

Re: Good Hotel in DC

Hotels along Pennsylvania Avenue (including the one affiliated with a politician) are close to daytime attractions but the area rolls up after 6 pm. There are some mostly chain restaurants over by Gallery Place/Chinatown but that area is a little touristy and overrun by sports event and convention a...
by stan1
Sat Feb 10, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Can durable POA designate beneficiaries for Mom with dementia?
Replies: 8
Views: 482

Re: Can durable POA designate beneficiaries for Mom with dementia?

Since your mom has dementia and your dad is still alive you really need to get specific advice in their state and for their asset level. Some financial institutions require a POA designation on their form. They are very concerned about fraud and elder abuse. You'd want to get that set up before your...
by stan1
Fri Feb 09, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 5854

Re: Live / work in California - Technology Career

Looking for most desirable and have the best weather. "Most desirable" intersected with "best" weather? That's $$$$, x2 if you want ocean view. San Diego: Coronado, Mission Hills, La Jolla, Del Mar, Rancho Santa Fe Orange County: Laguna Beach, Newport Beach, Irvine Los Angeles: Malibu, Pacific Pali...
by stan1
Fri Feb 09, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 5854

Re: Live / work in California - Technology Career

Looking for most desirable and have the best weather. "Most desirable" intersected with "best" weather? That's $$$$, x2 if you want ocean view. San Diego: Coronado, Mission Hills, La Jolla, Del Mar, Rancho Santa Fe Orange County: Laguna Beach, Newport Beach, Irvine Los Angeles: Malibu, Pacific Pali...
by stan1
Fri Feb 09, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 5854

Re: Live / work in California - Technology Career

Places to consider... 1. Bay Area 2. LA 3. Orange County 4. San Diego 5 Anything else These are huge metro areas with wide ranges of housing choices. Coastal North County San Diego (e.g. Encinitas or Carlsbad) is very nice if you can live anywhere and gets you out of the cold if that's what you are...
by stan1
Thu Feb 08, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Converting Vanguard ETFs to Admiral Shares Workaround
Replies: 15
Views: 853

Re: Converting Vanguard ETFs to Admiral Shares Workaround

Once you have $3K you could sell each ETF and could use investor shares until you have $10K in a holding to convert to Admiral. You could keep using ETFs until you have $10K in a holding for Admiral shares. You could eliminate REITs from your portfolio which would help you get to $10K faster in the ...
by stan1
Wed Feb 07, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Dad gave me money before filing bankruptcy
Replies: 24
Views: 4299

Re: Dad gave me money before filing bankruptcy

You should ask the moderators to delete the thread.
by stan1
Wed Feb 07, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: CD Ladders or Tax-Exempt Bonds in Taxable
Replies: 5
Views: 863

Re: CD Ladders or Tax-Exempt Bonds in Taxable

If you can predict the future I'd be using that talent in more lucrative ways than deciding whether to buy CDs or municipal bond funds. We hold some of both in our taxable accounts.
by stan1
Tue Feb 06, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: How to find a job in a different state?
Replies: 31
Views: 2044

Re: How to find a job in a different state?

- Network with everyone you know (former classmates, former co-workers, people who work in your industry). The people you know will know people you don't know yourself. Everyone needs to do this; its the best defense against long term unemployment, ageism, and other hurdles. Build a network of peopl...
by stan1
Mon Feb 05, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Ever Thought of Suing (or Sued) A Waterproofing Company?
Replies: 20
Views: 1531

Re: Ever Thought of Suing (or Sued) A Waterproofing Company?

I would bring in an independent, licensed engineer to evaluate your home since the initial waterproofing steps have not been sufficient. Maybe the engineer will find something straightforward to try, or the opposite could happen and the engineer will identify a grading or drainage issue that will be...
by stan1
Sun Feb 04, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this house?
Replies: 50
Views: 4318

Re: Can I afford this house?

There's another very high cost of living thread live right now also looking at a $2M house. They have a lot more savings than you do at about the same income level. I live in a VHCOL area as well. I understand why people do not want to move to Texas, Nevada, or Idaho. In the other thread I told them...
by stan1
Sun Feb 04, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Personal liability risk for unit owners in condo association?
Replies: 13
Views: 1192

Re: Personal liability risk for unit owners in condo association?

Someone can sue for whatever they want. It doesn't mean they will win in court. Suing the individual owners in addition to the association would usually be a plaintiff's tactic to become a nuisance and try to get a quick settlement with the hope being the association and property owners would be wil...
by stan1
Sun Feb 04, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: CCRC advice needed [Continuing Care Retirement Community]
Replies: 28
Views: 1638

Re: CCRC advice needed [Continuing Care Retirement Community]

Our experience with a month-to-month assisted living facility for our parents: The long waiting list for a two bedroom unit miraculously cleared once it came time to make a decision and the operator realized our parents in their early 90s had ample ability to self fund their care indefinitely. The f...
by stan1
Sun Feb 04, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Economist - “Factor investing” gains popularity
Replies: 22
Views: 2455

Re: Economist - “Factor investing” gains popularity

The biggest factors to long term investing success are: * Savings rate (controlling expenses no matter what income level) * Asset allocation (equities/bonds) * High and consistent income (makes a high savings rate easier, avoiding lay offs or forced early retirement, avoiding medical disability, exp...
by stan1
Sun Feb 04, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Sell SPY to buy VOO for long term hold in taxable?
Replies: 4
Views: 435

Re: Sell SPY to buy VOO for long term hold in taxable?

You have a complex set of ETFs in a taxable account that will be difficult to keep balanced plus some tax inefficient choices. Perhaps you'll have some losses within the next 1-2 years that will let you reset with no tax cost. So let's start over from the beginning. What is your desired asset alloca...
by stan1
Sun Feb 04, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Taxable account dividends and capital gains
Replies: 14
Views: 1238

Re: Taxable account dividends and capital gains

I use distributions to rebalance in my taxable account therefore I do not want them auto-reinvested. I never intend to realize capital gains in my taxable account solely for the purpose of rebalancing. I would sell and realize capital gains if I needed money for a new car, home improvement, or livin...
by stan1
Sun Feb 04, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford this home?
Replies: 25
Views: 1792

Re: Can I afford this home?

There will always be some conservative advice posted here from people who are not familiar with very high cost of livings areas. There are also some people who do not believe in purchasing single family homes (favoring renting for life). You can afford it if this is a priority for your family. I wou...