Search found 5462 matches

by stan1
Tue May 22, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Are there any experienced real-estate people here?
Replies: 39
Views: 3292

Re: Are there any experienced real-estate people here?

Quick question to you and anyone else reading this, since I agree a realtor isn't motivated to get top dollar, how does somebody go about getting the absolute most from their sale? My grandparents badly need something to retire on, so even $20,000 extra will make an impact on their lives. Do we jus...
by stan1
Sun May 20, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 31
Views: 2029

Re: Tesla Autopilot, worth it?

If you are entertaining this question it seems like the cost of the autopilot should be well under 1% of your net worth. I'd treat it as a toy or hobby and get it only if you'd find it enjoyable.
by stan1
Sun May 20, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 23
Views: 2390

Re: Life Changes

Sounds like a big lifestyle choice more than a financial one. The commute will be easier if traffic is free flowing rather than stop and go. I would not take anything the realtor says about an easement or utility hookup as truth. Verify it yourself with an attorney, local builder, or the utility com...
by stan1
Sun May 20, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 33
Views: 1879

Re: Rental cars in Europe

I'm sure someone has had a problem with non-availability of cars at Hertz or Avis that wasn't solved quickly (the Internet is large and many people rent cars) -- but I have only had that problem with discount operations such as Alamo and Dollar. Also a late night pickup adds risk so I would avoid th...
by stan1
Sun May 20, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 67
Views: 6059

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

We have 3 parents aged 85 to 93 right now. One is in an independent apartment co-located with an assisted living facility and the other two are in assisted living. None of the three have Alzheimers but all three need assistance with finances, general decision making, and communication with health ca...
by stan1
Sun May 20, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Where to find movers for a couch?
Replies: 16
Views: 1085

Re: Where to find movers for a couch?

I've hired movers and haulers based on large numbers of highly rated Yelp reviews and have had fast and courteous service from obviously hardworking people. Be clear with them upfront what you expect. Do you want the sofa to be shrink wrapped and cared for like a professional mover? Do you want insu...
by stan1
Sat May 19, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need a trust?
Replies: 16
Views: 2072

Re: Do we need a trust?

be able to dictate how it gets spent. What do you mean by this? Are you saying you want the money you leave to a responsible heir (not the special needs grandchild) to only be spent in certain ways such as on education but not others such a new car or vacation? What about health care that isn't cov...
by stan1
Sat May 19, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Hardwood around the perimeter but plywood under the rug
Replies: 12
Views: 1192

Re: Hardwood around the perimeter but plywood under the rug

One possibility is that a previous owner wanted a hardwood border around carpet, then later someone wanted area rugs so they filled in where the carpet was with plywood and put down their area rugs. Or another possibility is someone was too cheap to put down hardwood over the entire floor. Is the or...
by stan1
Fri May 18, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: prearranged funeral plans-Neptune Society
Replies: 10
Views: 951

Re: prearranged funeral plans-Neptune Society

I don't see the advantage of pre-paying for end of life services unless death is imminent. If you want to be helpful I would provide your heirs with 2 or 3 mortuaries or direct crematories that you have vetted. That way if one closes there will be another choice. Circumstances change. As an extreme ...
by stan1
Fri May 18, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Are there any experienced real-estate people here?
Replies: 39
Views: 3292

Re: Are there any experienced real-estate people here?

I've heard a few real estate agents say "no, leave it as-is and sell it" but as I looked further into it, I suspect that's because they wanted to invest the $20k for $50k back themselves and flip it. I can't be sure though and would like advice. I would run away fast from any "realtor" who I approa...
by stan1
Thu May 17, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Question for Federal Govt Retirees
Replies: 20
Views: 1296

Re: Question for Federal Govt Retirees

My agency offers a two day class for employees planning to retire within the next 5 years. Topics include a lot of information about when to submit paperwork and timing of leave. I'm not in that group but everyone I know who has taken it says it was very helpful. Maybe your agency has the same train...
by stan1
Thu May 17, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2541

Re: What would you do? takes 6 months to fix a Tesla Model S

To me this is severe damage:
https://electrek.co/2018/05/16/tesla-dr ... estigates/

If your car looks close to this I'd be trying to get it totaled.
by stan1
Thu May 17, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2541

Re: What would you do? takes 6 months to fix a Tesla Model S

Do you have friends or family who would let you borrow a car? My guess is you would have thought of that but sometimes obvious answers get overlooked. Glad you were safe in the crash. I agree with trying to get the car totaled even if it means hiring an attorney. If the car really has severe damage ...
by stan1
Wed May 16, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1285

Re: Selling land FSBO help please

Contact the owners of the adjacent properties and see if they want to buy your land.. Maybe you will get lucky. I once sold a vacant lot by knocking on the door of the next door neighbor. This was in a community that was about 90% vacant lots and 10% homes. This is good advice. There's a fair chanc...
by stan1
Wed May 16, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: ?$ Bid for Upgrade to Business Class (per flight hour)
Replies: 15
Views: 1053

Re: ?$ Bid for Upgrade to Business Class (per flight hour)

I'd have a very different perspective if I was 5'4" and 120 pounds than if I was 6'5" and 300 pounds.
by stan1
Wed May 16, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: ?$ Bid for Upgrade to Business Class (per flight hour)
Replies: 15
Views: 1053

Re: ?$ Bid for Upgrade to Business Class (per flight hour)

So much is situational and your personal preferences. If you'll be miserable for days because you had to sit in a cramped economy seat by all means upgrade. If its a minor inconvenience save some money. Personally I find a 6 hour daytime flight in an economy window seat to be fine and would pay to m...
by stan1
Wed May 16, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Better to be in debt to yourself or others?
Replies: 25
Views: 1556

Re: Better to be in debt to yourself or others?

What is the dollar amount of the loans? What is the dollar amount of the 401K and your annual income? I'd be inclined to focus on paying down the loans and keep the 401K invested and growing most of the time but sometimes on this board people will post a question like this and we come to find out th...
by stan1
Wed May 16, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1285

Re: Selling land FSBO help please

You have to start by making an honest assessment of the desirability of the land. It doesn't matter what you paid for it. What matters is what someone else is wiling to pay for it right now. Some land is unbuildable despite someone having sold it as such. Sometimes people pay premiums for a golf cou...
by stan1
Sun May 13, 2018 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market instead of bond fund
Replies: 40
Views: 4977

Re: Vanguard Prime Money Market instead of bond fund

If you wanted to market time between a money market fund and total bond market you would have wanted to make the switch 1-2 years ago.
by stan1
Sun May 13, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 3132

Re: Hyundai Kona

50ismygoal wrote:
Sun May 13, 2018 5:46 pm
Picked up my new Kona today! I bought a Thunder Gray with gray interior, Limited AWD model. I love it so far (Day 1.)
Have fun! Come back and let us know how it's going in a year!
by stan1
Sun May 13, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: California folks - Will/trust still needed with POD & TOD?
Replies: 12
Views: 1183

Re: California folks - Will/trust still needed with POD & TOD?

The California small estate limit is $150K but a trust with a pour over will is common to cover car, household possessions and miscellaneous accounts. You have not stated how you plan to handle the property you jointly own (sounds like with a non-married partner, business or otherwise). If you are n...
by stan1
Sun May 13, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: First time seller interviewing realtors--what to ask?
Replies: 19
Views: 1635

Re: First time seller interviewing realtors--what to ask?

Since you mention co-op and apartment are you in New York City? If so you should let us know so you get some specific advice for that market which is somewhat different than others. How many days are units typically staying on the market and do you expect multiple offers? If more than 30 days I'd re...
by stan1
Sun May 13, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Subcompact SUVs/Sedans with Adjustable Pedals Question
Replies: 12
Views: 638

Re: Subcompact SUVs/Sedans with Adjustable Pedals Question

I'd focus on seat, mirror, seat belt, and steering wheel adjustments to get her into a comfortable and safe position. If she is going to be the primary driver the adjustments don't need to be power because you make them once and she's set to go. If other taller people will also be driving the car y...
by stan1
Sun May 13, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 65
Views: 4715

Re: Advice on building a timeless mens wardrobe?

Amateur question about button down shirts and clothes in general. Do I simply purchase a shirt or whatever article of clothing that fits me as well as possible and then if needed take it to a tailor to fine tune it to fit my body better? Totally agree that clothes that fit is very important and loo...
by stan1
Sun May 13, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Subcompact SUVs/Sedans with Adjustable Pedals Question
Replies: 12
Views: 638

Re: Subcompact SUVs/Sedans with Adjustable Pedals Question

I'd focus on seat, mirror, seat belt, and steering wheel adjustments to get her into a comfortable and safe position. If she is going to be the primary driver the adjustments don't need to be power because you make them once and she's set to go. If other taller people will also be driving the car yo...
by stan1
Fri May 11, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 28
Views: 2125

Re: 36" or 42" wide Refrigerator?

FIrst decision is whether you want to pay $2000-3000 for a nice standard 36" refrigerator or a lot more for something built in or integrated. There are hundreds of 36" models to choose from, many fewer freestanding 42" models. If you want the look of built-in or integrated there are multiple brands ...
by stan1
Fri May 11, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Water leaking from shared wall in condo - next steps?
Replies: 21
Views: 2313

Re: Water leaking from shared wall in condo - next steps?

Is the HOA responsible for the common wall? Ask and find out if you aren't sure. If they are ask them to investigate and repair. I'd also talk to your neighbor. Perhaps they have a water leak in their washer. Sort through the easy options first before calling in a plumber.
by stan1
Fri May 11, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Picking up New Subaru-Worth buying extended warranty?
Replies: 33
Views: 2060

Re: Picking up New Subaru-Worth buying extended warranty?

On a Subaru I'd say no (for now) and evaluate your car's reliability and your likelihood to keep it for many years as you get closer to the end of the manufacturer warranty. If it was a BMW or Mercedes my experience is that the manufacturer extended warranty has paid off, especially if you negotiate...
by stan1
Tue May 08, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: How does stock buyback benefit investors?
Replies: 78
Views: 5981

Re: How does stock buyback benefit investors?

For a buy and hold investor I think the long term benefits are negligible and outweighed by other factors. Who knows what a company's financials and market demand will look like in 20 years or 30 years?
by stan1
Sat May 05, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Moving - Move Financial Documents or Send via UPS?
Replies: 7
Views: 664

Re: Moving - Move Financial Documents or Send via UPS?

My first choice would be to buy a scanner and shredder, use them, and have the movers take those to the next house. Once I was down to the minimum I'd ship them by UPS or Fed Ex with a tracking number before giving them to the movers (but be prepared to pay a lot of money to ship 25# boxes). I'd be ...
by stan1
Sat May 05, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Odd CA tax return
Replies: 8
Views: 754

Re: Odd CA tax return

There could be very exotic reasons such as a mixup with another taxpayer but most likely it means they think you made a mistake and they believe you are owed a refund based on the data entered on your federal and state forms. First I'd double check your returns. Did you use tax software? If you did ...
by stan1
Sat May 05, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Best brick & mortar bank?
Replies: 14
Views: 1230

Re: Best brick & mortar bank?

My main complaint with BofA is the fees they nickel and dime you with. What services are you being asked to pay a fee for? I've had an account at Bank of America for 35 years and have never paid a fee. My credit union does charge for some things such as outgoing wire transfers. I've never needed to...
by stan1
Sat May 05, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Best brick & mortar bank?
Replies: 14
Views: 1230

Re: Best brick & mortar bank?

I'd go with a local credit union. In my experience you'll get the best combination of no fees and CD yields there although online banks such as Synchrony, Amex, and Goldman give better yields on savings accounts. If it is important to be able to walk into a branch in multiple cities you'd need to fi...
by stan1
Sun Apr 29, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: 3 days in London - must dos?
Replies: 31
Views: 1880

Re: 3 days in London - must dos?

I'd look at food tours. There's a lot more to food in London these days than fish and chips. Find one or two that interest you to take with a large number of highly rated reviews. They are very welcoming to single travelers and you may find they are filling enough to cover a meal. Personally I also ...
by stan1
Sun Apr 29, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Strange internet slowness only with my desktop?
Replies: 19
Views: 1488

Re: Strange internet slowness only with my desktop?

I think Eero, Orbi and Google wifi put the nail in the coffin for the Apple routers. I replaced my Airport router with two Eeros about 18 months ago. I've only had to manually unplug one of the Eeros to reset it once in that time (Apple was more frequent). I've had a similar problem as OP. We had to...
by stan1
Sat Apr 28, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Can I ever be truly independent?
Replies: 12
Views: 1288

Re: Can I ever be truly independent?

I think the concept of Financial Independence is flawed. My finances depend on things I can not control. What does it mean to you? Not having to work? Not having to work unless you want to? Ability to partake in what you enjoy without having to worry about cost? All money in a mattress and gold bar...
by stan1
Sat Apr 28, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5022

Re: Home Theater Stereo/Speakers

We've moved away from home theater to a nice TV with a sound bar and that's worked well for us. Pluses include much easier to set up and operate since we just use the TV remote and no need to dust off stacks of AV equipment. If you don't have a new TV I'd consider upgrading the TV to one that has an...
by stan1
Sat Apr 28, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 2778

Re: Ikea Quality

IKEA has several price points. Their lowest cost furniture has a lot of plastic joints, lightweight wood fiber, and cardboard that won't last long if you use it regularly. My experience is that their laminated particle board with locking cams will last a long time. We find this middle tier is a swee...
by stan1
Sat Apr 28, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Do you sell or donate unused items?
Replies: 46
Views: 2712

Re: Do you sell or donate unused items?

Garage sales are extinct where I live but they used to work well for getting rid of the items that had some demand and value quickly and then donating what didn't go to charity. I never marked prices on items which would have taken a lot of time. I found that just about anything set out for free at ...
by stan1
Sat Apr 28, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Do you sell or donate unused items?
Replies: 46
Views: 2712

Re: Do you sell or donate unused items?

We drop most items off at a donation center. We have a specialty electronics recycling center nearby that resells what they can and recycles the rest. High quality home furnishings are taken to a consignment store. We do not want to spend a lot of time selling items.
by stan1
Fri Apr 27, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 5758

Re: Comfortable Commuter Cars under $50K

Accord Touring with 2.0T engine if you want a sedan and want to be low key
Audi/BMW/MB if you want a CUV/SUV
by stan1
Fri Apr 27, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10776

Re: Amazon to raise Prime membership in US to $119 from $99

I have a still-thriving regional mall including a Nordstrom within walking distance but a trip in the car to Walmart, Target or Home Depot takes over an hour. I've had reliable delivery to my house with Amazon. I'll continue to use Amazon Prime because I don't mind paying for convenience and want to...
by stan1
Fri Apr 27, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: The Paperless Life
Replies: 45
Views: 4050

Re: The Paperless Life

I don't keep paper but I'm also very careful about becoming a digital packrat. I am very selective about what I keep. I don't need to keep bank statements, credit card statements, medical receipts, or utility bills (although government officials view a utility bill with your name on it as proof of r...
by stan1
Thu Apr 26, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Car insurance quotes for 23 year old (male-don't know if this matters)
Replies: 19
Views: 1037

Re: Car insurance quotes for 23 year old (male-don't know if this matters)

You'll need to plan to get multiple quotes and pricing will change when you move to a new location. Auto insurance is regulated by states so every state is different. Annual miles driven, ZIP code, make of car and its profile for collision and comprehensive claims, and years of driving experience ar...
by stan1
Thu Apr 26, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Is my computer obsolete?
Replies: 60
Views: 4252

Re: Is my computer obsolete?

I'd update it to WIn 10 since it seems to be a high end PC from 2012. I would not spend the money to put a solid state drive into it, save that for when the whole thing is replaced in a few years. I've found Win 10 better than Win 7 in every way but others who still prefer DOS, NT or XP will disagre...
by stan1
Thu Apr 26, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Building/House Plans
Replies: 26
Views: 1635

Re: Building/House Plans

We are considering building a new home and plan to meet with an architect. We are trying to come up with a list of “wants”. Currently, we (mid 30s) have an infant (hopefully more in the future) and two small (10-15 lb) dogs. Lot would probably be pretty narrow (~30 ft). Is there anything people wis...
by stan1
Tue Apr 24, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: Unprecedented Event
Replies: 67
Views: 9004

Re: Unprecedented Event

Low probability, definitely not zero in the US or even global especially for someone who might live 50 or more years. Not sure what to do about it other than diversify and not get greedy (lower risk exposure when it is not needed or compensated).
by stan1
Tue Apr 24, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6322

Re: Structuring Newlywed Finances for Fairness and Less Arguments

This is now an old thread but I'd just add that what works fine for DINKs may change if children are involved. As DINKs we've always had separate banking and credit card accounts and we transfer money into a joint checking account as needed to pay for household expenses. One of us pays for groceries...
by stan1
Tue Apr 24, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: estate planning with animals
Replies: 28
Views: 2292

Re: estate planning with animals

And for everyone suggesting we downsize, we're only in our late 20s so we have awhile to go before we will want to but yes I agree that as we get up there in age, we will certainly downsize and not replace. Good that you are planning ahead but right now unless you have a terminal medical diagnosis ...
by stan1
Mon Apr 23, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Investment Class/Group at Work
Replies: 16
Views: 1276

Re: Investment Class/Group at Work

Not everyone wants to be a Boglehead. Some people will have different approaches such as using an advisor, actively managed mutual funds, stock picking, and market timing. You can start and group and see how it goes but I don't feel the need to try to convert coworkers to my views and I definitely d...