Search found 14163 matches

by stan1
Sun Mar 17, 2024 1:29 pm
Forum: Personal Consumer Issues
Topic: Overnight in a DC Hyatt March 2025
Replies: 13
Views: 1520

Re: Overnight in a DC Hyatt March 2025

joetro29 wrote: Sun Mar 17, 2024 12:59 pm This would be March 30-31 2025.
You are very much doing some advance planning. I would look at rates over the next year as you finalize your plans.
by stan1
Sun Mar 17, 2024 1:13 pm
Forum: Personal Investments
Topic: Roth Conversion for TSP
Replies: 15
Views: 1165

Re: Roth Conversion for TSP

Do I have to wait until retirement to do roll over of TSP into IRA? As it is not a conversion, it should not be treat as a taxable event, correct? In lieu of S&P 500 Index, I would like to put a portion of the asset in certain ETF whenever they are on sale. For example, energy ETFs go on sale once in a while. In addition, REIT sector is on sale now so I can either do an ETF or cherry-pick the best of breed from a successful REIT ETF. There have been some changes in TSP but I can't figure out if there is a benefit to use that and TSP platform is for the bogleheads of all bogleheads and I lost that luxury sometime back so I need to be more strategic with it as I am with my brokerage accounts. TSP is good for market cap weighted investors...
by stan1
Sun Mar 17, 2024 12:45 pm
Forum: Personal Consumer Issues
Topic: funeral preparations
Replies: 16
Views: 1582

Re: funeral preparations

Quote from NYT 3/16/24 article: ..."The amount of decisions that have to be made within 24 to 72 hours to put on a funeral, especially if you aren't prepared or have pre-arrangements, is shocking"... So, I'm still kicking. What can I do to "prepare" for my funeral--which will be a cremation? Talk to your relatives about what you'd like at your funeral service. One important point is that the funeral is really for the living, so its a chance for family members to get together to remember someone but its also an opportunity for people to see each other who may have gone their separate ways for many years. My mom wanted to be cremated. We went with a direct cremation and did not have a service which was her preference. Cos...
by stan1
Sun Mar 17, 2024 12:35 pm
Forum: Personal Investments
Topic: Roth Conversion for TSP
Replies: 15
Views: 1165

Re: Roth Conversion for TSP

You have to roll over funds from the TSP to an IRA account. Then you can do Roth conversions if that is to your benefit. You cannot do Roth conversions in the TSP.
by stan1
Sun Mar 17, 2024 11:31 am
Forum: Personal Consumer Issues
Topic: Suggestions around Dulles-IAD Arrival
Replies: 14
Views: 1378

Re: Suggestions around Dulles-IAD Arrival

This one is advertising $81 per night with "free shuttle". https://www.google.com/travel/search?g2lb=2503771,2503781,2504511,4258168,4284970,4291517,4814050,4874190,4893075,4899571,4899572,4965990,72277293,72302247,72317059,72406588,72414906,72421566,72458066,72462234,72467704,72469155,72470440,72470899,72471280,72472051,72473841,72483525,72484736,72485656,72485658,72486593,72494250,72498532,72510103,72511833,72512134,72513419,72513513,72523972,72524709&hl=en-US&gl=us&ssta=1&q=hotels+near+dulles&ts=CAESCAoCCAMKAggDGhwSGhIUCgcI6A8QAxgTEgcI6A8QAxgUGAEyAhAAKgcKBToDVVNE&qs=CAEyE0Nnb0k3XzcwOS1iOXZLQXVFQUU4CkIJCW8__W7u80AuQgkJTh9Yx0V4Zm1CCQkndb3_RET2aw&ap=aAG6AQhvdmVydmlldw&ictx=111&ved=1t:196188 Of c...
by stan1
Sat Mar 16, 2024 9:22 pm
Forum: Personal Consumer Issues
Topic: Caribbean island in January/February
Replies: 19
Views: 1573

Re: Caribbean island in January/February

Any Four Seasons. Should not have to worry about chair hogs.
by stan1
Sat Mar 16, 2024 8:58 pm
Forum: Investing - Theory, News & General
Topic: Which industry will benefit from new real estate commission fee structure?
Replies: 51
Views: 4099

Re: Which industry will benefit from new real estate commission fee structure?

madbrain wrote: Sat Mar 16, 2024 8:11 pm
stan1 wrote: Sat Mar 16, 2024 8:07 pm Attorneys. A little from document review work before the sale; a lot from the lawsuits after the sale.
That sounds about right :)
But it's not easily actionable investment advice.
Ok, LegalZoom ticker LZ and private equity owners of attorney groups (been reported for several years as the "next big thing")
by stan1
Sat Mar 16, 2024 8:07 pm
Forum: Investing - Theory, News & General
Topic: Which industry will benefit from new real estate commission fee structure?
Replies: 51
Views: 4099

Re: Which industry will benefit from new real estate commission fee structure?

Attorneys. A little from document review work before the sale; a lot from the lawsuits after the sale.
by stan1
Sat Mar 16, 2024 9:00 am
Forum: Investing - Theory, News & General
Topic: Great news! No more [fixed real estate] agent commission
Replies: 163
Views: 15095

Re: Great news! No more [fixed real estate] agent commission

Dual agency (buyer represented by listing agent) is going to become very popular and more state laws will be passed about that in the future. Agents will try to add more disclaimers to contracts so they don't get sued. Parties to sales will sue the agent and other party more often. Eventually there will be more state laws on dual agency, and in states like California with an easily accessible electorate initiative process we could see dueling initiatives from special interest groups like attorneys as has been done with auto insurance and kidney dialysis. Insurance costs for agents will go up.

It will change, but the system is not going to settle out as status quo with buyer paying for an independent realtor or attorney for most people.
by stan1
Thu Mar 14, 2024 7:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard Cash Plus Account
Replies: 458
Views: 61937

Re: Vanguard Cash Plus Account

Quick question? Does it make sense to park cash, (SS deposits, emergency fund and near term spending), in Cash Plus or within one of the available MM funds? If you are in a state with income tax you may want to put cash into treasury money market fund so you don't pay state tax on that income. You may get a somewhat higher yield with the money market account right now, but it is a little less convenient than CP because you have to go in and move money around. If I was using CP as a regular bill pay account (right now I am not) I'd probably keep about one month's liquidity in CP and move the rest to money market fund if there was a reason I did not want to move it into my taxable investing account. Some people might go in and move money bet...
by stan1
Mon Mar 11, 2024 9:05 am
Forum: Personal Consumer Issues
Topic: Want to leave the California bay area. Where to live?
Replies: 63
Views: 5615

Re: Want to leave the California bay area. Where to live?

Usual spots people consider include:
Reno, Las Vegas, Utah, Phoenix, Tucson, Albuquerque, Boise, Spokane, Colorado front range (Colorado Springs to Ft. Collins)

None of those are Mediterranean climates though (not coastal).
by stan1
Mon Mar 11, 2024 8:54 am
Forum: Personal Consumer Issues
Topic: Getting off cruise ship a day early
Replies: 20
Views: 3326

Re: Getting off cruise ship a day early

OP, I love your signature quote:
K.I.S.S........so easy to say so difficult to do.
by stan1
Sun Mar 10, 2024 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: California Turbo Tax Desktop - Options Missing
Replies: 12
Views: 802

Re: California Turbo Tax Desktop - Options Missing

All of that can be entered in the software although the initial data entry is under the federal tab it carries over to state. State only addresses changes.

I'd always recommend using the TT interview questions and the user interface that comes with it, that will guide you through all of the necessary steps. The reason is tax laws are complicated and sometimes there are extra steps that the software will guide you through. When that's done use the forms view to review what's been entered.
by stan1
Sun Mar 10, 2024 3:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Cash Plus Account
Replies: 458
Views: 61937

Re: Vanguard Cash Plus Account

rjicsjjw wrote: Sun Mar 10, 2024 2:50 pm List of institutions where forum members report Cash Plus routing/account number pair is invalid:
Treasury Direct
Bank of America - some customers with both a credit card and a checking account cannot pay by ACH from another bank
Comcast/Xfinity
Target Red Card
Internal Revenue Service (routing number not recognized by Direct Pay)

Add to the list
PSE&G
Thanks for the addition I will add it. You are the first to report it.
PSE&G is an electric and gas utility serving New Jersey correct?
by stan1
Sun Mar 10, 2024 3:26 pm
Forum: Personal Investments
Topic: Sharing why we went with Vanguard PAS
Replies: 69
Views: 6696

Re: Sharing why we went with Vanguard PAS

I wonder if we are starting to see a trend: people with larger accounts get assigned more experienced PAS advisors?
by stan1
Sun Mar 10, 2024 3:22 pm
Forum: Investing - Theory, News & General
Topic: MMF FDIC vs CD
Replies: 11
Views: 993

Re: MMF FDIC vs CD

Sure, if you can buy a CD for 5.5% and think interest rates won't go up over the next 11 months you would come out ahead.

CD interest is fully taxed by state; US government obligation interest is not taxed by states which is one factor favoring treasuries for residents of some states.

I view FDIC insurance and US treasury interest to be the same level of security. Both are backed by "full faith and credit of the US Government". If that simple statement stops being true we have very serious problems.
by stan1
Sun Mar 10, 2024 2:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Cash Plus Account
Replies: 458
Views: 61937

Re: Vanguard Cash Plus Account

In Quicken I get an extra downloaded transaction that I just delete. Which transaction are you referring to? Is there a reason you delete it? Vanguard has implemented CP as a limited function brokerage account, and that's the way it shows up in Quicken as an investment account type. I have it set up in Quicken so the Cash Plus "brokerage account" has a linked checking account (Quicken feature that's been there for decades that I also use for my Fidelity CMA). With CP I just track the cash balance in the linked checking account, although technically to Vanguard every bill pay is actually a sell out of Cash Plus then a payment to the biller. I'm not tracking buys/sells of Cash Plus and do not have a security set up in Quicken calle...
by stan1
Sun Mar 10, 2024 11:11 am
Forum: Personal Consumer Issues
Topic: Concierge Medicine
Replies: 79
Views: 12096

Re: Concierge Medicine

Over all, I don't think concierge medicine has a future and the urgent/immediate care facilities will eat their lunch. Its a nice way for an experienced and good physician to slow down and take a section of their patients with them to ride into retirement....but I would never buy into it if I would not know the doctor up front, so its a closed system IMO Some people who have the means to pay will choose a higher end experience through concierge with a physician than urgent/immediate care with a NP/PA. Not all; some. Just like some people willingly buy business class airfare even when coach will get them to the destination at the same time. There are people who could afford business class who fly in coach anyways. Then some people who would...
by stan1
Sun Mar 10, 2024 10:47 am
Forum: Personal Finance (Not Investing)
Topic: How best to make up for the failure to file a tax return
Replies: 38
Views: 2636

Re: What free tax filing software allows one to attach a statement when e-filing?

mjhfx1 wrote: Sun Mar 10, 2024 10:44 am
stan1 wrote: Sun Mar 10, 2024 10:36 am At this point, I would wait to see if they contact him rather than potentially complicating matters by submitting paper returns that may cross in the system. The IRS will let him know what amount is due.

I think son's tax advisor/preparer should foot the bill for him if the IRS does follow up.
We (parents) were the informal advisors, so we were the guilty party. Hoping the penalty is not too high! Luckily, his state tax remains zero.
Yes, I figured you were which is why I suggested that you cover it for him.
by stan1
Sun Mar 10, 2024 10:45 am
Forum: Personal Consumer Issues
Topic: How to have a productive conference as a sponsor and as an attendee?
Replies: 6
Views: 678

Re: How to have a productive conference as a sponsor and as an attendee?

These events are to build and maintain relationships. So you'd meet with existing customers and talk about what they want to talk about and what you want them to hear. Depending upon circumstances you might invite customers to a hospitality suite or after party. For new customers, you would talk to them personally and try to understand their needs. Build a relationship so they follow up. Make personal contacts and follow up after the event. If you are going as a support engineer then coordinate with your sales team in advance on what they want you to do. A lot depends on what you are selling. Sales of multi-million dollar equipment is very different than hundred dollar pumps. If you have not done this before talk to your supervisor and co-w...
by stan1
Sun Mar 10, 2024 10:36 am
Forum: Personal Finance (Not Investing)
Topic: How best to make up for the failure to file a tax return
Replies: 38
Views: 2636

Re: What free tax filing software allows one to attach a statement when e-filing?

At this point, I would wait to see if they contact him rather than potentially complicating matters by submitting paper returns that may cross in the system. The IRS will let him know what amount is due.

I think son's tax advisor/preparer should foot the bill for him if the IRS does follow up.
by stan1
Sun Mar 10, 2024 10:11 am
Forum: Personal Finance (Not Investing)
Topic: How best to make up for the failure to file a tax return
Replies: 38
Views: 2636

Re: What free tax filing software allows one to attach a statement when e-filing?

How much is the penalty? IRS computers aren't going to read and understand your note. It is likely no human will touch it.
by stan1
Sat Mar 09, 2024 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Vendor unable to challenge customer's reversal of credit card charge
Replies: 29
Views: 3736

Re: Vendor unable to challenge customer's reversal of credit card charge

Businesses take this into account in the prices they charge. Back in the day there were bounced checks and counterfeit cash notes. It's a cost of doing business.
by stan1
Sat Mar 09, 2024 6:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Cash Plus Account
Replies: 458
Views: 61937

Re: Vanguard Cash Plus Account

anagram wrote: Sat Mar 09, 2024 6:34 pm
stan1 wrote: Sat Mar 09, 2024 6:24 pm
pascalwager wrote: Sat Mar 09, 2024 12:43 pm If the routing number problems are resolved, I may reconsider Cash Plus.
The routing number problems are only associated with a few billers: Xfinity/Comcast, B of A credit cards, US Treasury, and Target Red Card. No one has reported any others.
IRS DIrect Pay also.
Yes, the IRS is the largest bureau in the US Treasury but yes I should have called out IRS Direct Pay and Treasury Direct.
by stan1
Sat Mar 09, 2024 6:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Cash Plus Account
Replies: 458
Views: 61937

Re: Vanguard Cash Plus Account

pascalwager wrote: Sat Mar 09, 2024 12:43 pm If the routing number problems are resolved, I may reconsider Cash Plus.
The routing number problems are only associated with a few billers: Xfinity/Comcast, B of A credit cards, US Treasury, and Target Red Card. No one has reported any others.
by stan1
Sat Mar 09, 2024 11:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard Cash Plus Account
Replies: 458
Views: 61937

Re: Vanguard Cash Plus Account

pascalwager wrote: Sat Mar 09, 2024 1:13 am In the past, my credit card got locked every time I left my home area. Now I don't even try to use it away from home.
I do have one credit card that does this (Navy Federal). They still want you to notify them when you travel to another state! I also have cards at Chase, Cap One, B of A, and Amex. None of those require notification of international travel any more, let alone travel to another state. For obvious reasons I leave the Navy Federal card at home when I travel.
by stan1
Sat Mar 09, 2024 11:20 am
Forum: Personal Finance (Not Investing)
Topic: When to move to a continuing care retirement community (CCRC)
Replies: 101
Views: 16530

Re: When to move to a continuing care retirement community (CCRC)

Mr. Rumples wrote: Sat Mar 09, 2024 10:56 am My concern is what happens if they go "belly up" or services degrade.
There are month to month communities as well which will work fine for many people. What is your age? Do you have children nearby who are willing to assist if the need is there to include helping you move if needed? Yes you might want to be fully independent and not be a burden, but many of us did in fact help our parents as they grew older and needed assistance.
by stan1
Sat Mar 09, 2024 9:40 am
Forum: Investing - Theory, News & General
Topic: Inherited IRA optimal investment
Replies: 12
Views: 1177

Re: Inherited IRA optimal investment

I don't think there is a universally optimal approach. If you are over 70.5 you can take QCDs from an Inherited IRA which you might want to do. Withdrawals are taxed as ordinary income, so in many situations the optimal approach would be to manage your tax bracket if possible keeping withdrawals at 24% or below. Sometimes people have variable income due to bonus or being out of workforce. Also watch for ACA, IRMAA, and NIIT cliffs or changes in state of residence if those are factors but at some point you just have to take the income.

If you are viewing this as a windfall that is not essential to your retirement plan then speculating in a single stock or ETF can always be done as a choice.
by stan1
Sat Mar 09, 2024 7:50 am
Forum: Investing - Theory, News & General
Topic: McQ in the Wall Street Journal
Replies: 12
Views: 2025

Re: McQ in the Wall Street Journal

I love this quote on the "Law of Conservation of Wall Street Profit:
McQuarrie points to what he calls “the law of conservation of Wall Street profit: If we’re not going to make it one way, we’ll make it in another way.”
by stan1
Fri Mar 08, 2024 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: University California reducing pension payout for contingent annuitants
Replies: 19
Views: 3685

Re: University California reducing pension payout for contingent annuitants

I'm not clear who this impacts with the term "contingent annuitant", is this a spouse or someone else such as an adult child someone might name?
by stan1
Fri Mar 08, 2024 1:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Cash Plus Account
Replies: 458
Views: 61937

Re: Vanguard Cash Plus Account

Vanfan22 wrote: Fri Mar 08, 2024 1:06 pm
stan1 wrote: Fri Mar 08, 2024 11:51 am Are you referring to emails? I guess I figure a few too many is better than not enough.
In Quicken I get an extra downloaded transaction that I just delete.
Yes emails...I don't want to get an email about every transaction; ideally like a savings account I would only get a monthly statement. Realize this is technically a brokerage account but was hoping it might work differently.
Actually I want to get notified about every transaction in any account, it helps me monitor for fraud.

If something comes in I don't recognize I can be on the phone to the financial institution's fraud reporting line as soon as possible not 30 days later, and hopefully able to stop something before it gets worse.
by stan1
Fri Mar 08, 2024 11:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard Cash Plus Account
Replies: 458
Views: 61937

Re: Vanguard Cash Plus Account

Are you referring to emails? I guess I figure a few too many is better than not enough.
In Quicken I get an extra downloaded transaction that I just delete.
by stan1
Fri Mar 08, 2024 11:19 am
Forum: Personal Consumer Issues
Topic: AARP/UHC Medigap policies
Replies: 40
Views: 3178

Re: AARP/UHC Medigap policies

All I can do is offer one data point. My mom had AARP medigap from 65 to 89. It worked very well through several stays in rehabilitation hospitals and eventually in coordination with hospice. Several hospital staff members told us "this is a good one, she is fortunate to have it".

Unfortunately her independent living community allowed insurance salesmen to roam the halls. The quote from one of them repeated by my mom was "You have a good plan, I would not move you off it" implying that he was an ethical salesman.

Of course this was a plan offered to her in 1998 .... not sure if that's still what is offered.
by stan1
Fri Mar 08, 2024 10:26 am
Forum: Investing - Theory, News & General
Topic: William Bernstein On the Financial Industry
Replies: 81
Views: 9783

Re: William Bernstein On the Financial Industry

arcticpineapplecorp. wrote: Fri Mar 08, 2024 10:19 am He also wrote:
Act as if every broker, insurance salesman, mutual fund salesman and financial advisor you encounter is a hardened criminal.

source: https://www.etf.com/docs/IfYouCan.pdf
It's a strong personal opinion, but people also need to have a plan. We have some people on this forum who are planning to hand over a complex portfolio to a spouse (possibly in 80s and in declining health) hoping for the best. Fear of requesting help from children or finding someone who can assist spouse needs to be higher priority for some. A dose of realism is needed. Avoid binary thinking that it has to be done only by self/spouse or someone who is a criminal.
by stan1
Fri Mar 08, 2024 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Projecting FI number. How much to add for health insurance?
Replies: 10
Views: 1072

Re: Projecting FI number. How much to add for health insurance?

When you get closer (within 5 years) I'd recommend using a tool like Pralana Gold, New Retirement, Maxifi etc. to get more precision. If you are years away I think your 3%, 3.5%, and 4% estimates are perfectly fine. More than five years out expect lots of changes to rates of return, inflation, tax laws, and other laws too. Focus on accumulation not spend down until you are within 5 years of making a decision. Also, if you are planning to continue to earn some W-2 or 1099 income after you quit this job factor that in. I do not assume these days that when people say they want to FIRE that they mean they (and spouse) will never work again. It has become a very emotional term for something people aspire to and the internet is full of jargon lik...
by stan1
Fri Mar 08, 2024 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Option to elect for 22 vs 26 pay periods: thoguhts?
Replies: 16
Views: 1471

Re: Option to elect for 22 vs 26 pay periods: thoguhts?

This won't make a difference in your financial outcomes over your life. If you like to be hands on it gives you something innocuous to keep you occupied rather than something dangerous like day trading. Personally I'd do the 26 since my bills are monthly and not worry about moving small amounts of money around from higher yielding accounts to checking accounts. Or just get a higher yielding bill pay account and be done with it.
by stan1
Fri Mar 08, 2024 9:26 am
Forum: Personal Investments
Topic: Inherited IRA strategies
Replies: 6
Views: 617

Re: Inherited IRA strategies

Your deceased relative was generous, but they passed their tax bills down to you. Hopefully their tax rates weren't lower than yours. I would not wait until the last year(s) if doing so would bump you into even higher tax rates. Spread it out to stay in your current tax rate. Since you have good income it sounds like you would reinvest the proceeds back into a taxable account. If you do that plan on doing tax loss harvesting if there is a market decline. If you want to buy NVDA, TSLA or a popular newly issued ETF, for example, to see what happens I guess you could. Gains are taxes as ordinary income, and you can't offset losses. If the account value is not moving the needle on your retirement planning I'd just be done with it. I inherited $...
by stan1
Fri Mar 08, 2024 8:35 am
Forum: Personal Consumer Issues
Topic: Getting Vanguard website to work for me
Replies: 11
Views: 1291

Re: Getting Vanguard website to work for me

Try Edge browser, then try Firefox. If they work then I'd do a clean deinstall/re-install of Chrome. If Edge and Firefox also don't work let us know.
by stan1
Thu Mar 07, 2024 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax alternatives?
Replies: 16
Views: 1653

Re: TurboTax alternatives?

Colorado Guy wrote: Thu Mar 07, 2024 10:43 am Would be nice to experiment with various 401k withdrawal amounts, which admittedly I haven't tried using TT, which should be able to as well.
This is more of a retirement planner tool space not tax software when looking over multiple years or the rest of your life. Examples are Pralana, Maxifi, NewRetirement. Not free but worth the cost if you are planning Roth conversions or taking out more than RMDs from 401Ks.

Agree with the other listed options to TT if you are willing to use web based software.
by stan1
Thu Mar 07, 2024 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on Home addition.
Replies: 21
Views: 1874

Re: Need advice on Home addition.

Others will disagree, but for a square/rectangle 250 sq foot add on to a 1996 house I think design build is fine. May not be able to find an architect willing to do such as small job. Architect will add a lot of cost, plus may design something that is expensive to build.
by stan1
Thu Mar 07, 2024 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on Home addition.
Replies: 21
Views: 1874

Re: Need advice on Home addition.

There really is no way to know. You should get another quote, and use that as an opportunity to talk to the contractors about any areas of concern they might have. You can ask the contractors if there are any design changes they might recommend that would make it lower cost, such as the foundation or roof design. 250 square feet is not very large. You will likely find that the cost per square foot might go down if it was larger. There's a fixed cost just to get the work crew and materials on the site that you will run up against with a project of this size. Some contractors will not really want to do a job this small. They might not say no, but they may give you a higher price while hoping you get more quotes and pick someone who gives a lo...
by stan1
Thu Mar 07, 2024 10:53 am
Forum: Personal Investments
Topic: Career ending, getting fired. Can we FIRE ?
Replies: 152
Views: 22005

Re: Career ending, getting fired. Can we FIRE ?

madbrain, sorry to hear the news but I hope a future is coming for you and your spouse with less stress and other ways to be involved with a community are ahead. My tough love answer: you've been posting about this house on this forum for many years. I have to say I agree its close to time to sell it even though it sounds like you really love it and it is unique. Maybe wait until 55 if you want to do a Prop 60/90 property tax basis transfer (check how it works for disability). It's tying up the assets you'll need to live on for the rest of your lives, but its also very expensive to maintain and large for two people. You don't have to move to the San Joaquin valley just someplace smaller and less expensive to operate month to month. I know t...
by stan1
Wed Mar 06, 2024 8:55 am
Forum: Personal Finance (Not Investing)
Topic: When have you stopped saving for retirement?
Replies: 40
Views: 3890

Re: When have you stopped saving for retirement?

I recently stopped contributing to my IRA (temporarily) as I save cash for a couple of short term goals (house and baby on the way). While I understand the importance of regular, consistent investment over a long period of time, life happens. IMO, sometimes it makes sense to focus on the months ahead instead of retirement. Am I wrong? When have you stopped (or drastically constrained) investing for retirement? How long was this period? And do you think it significantly affected your retirement prospects? You mentioned stopping your IRA contributions (and presumably those of spouse), do you also have a 401K that you are contributing to at least to get a match? What percentage of annual income are you saving? Sure, saving for a down payment ...
by stan1
Wed Mar 06, 2024 8:47 am
Forum: Personal Investments
Topic: How close am I to FIRE?
Replies: 25
Views: 5136

Re: How close am I to FIRE?

What does FIRE mean to you? Does it mean you and spouse stop working and never earn any type of income again, or does it mean you quit your current job and at some point look for a different way to earn income that is less hours, less stressful or more interesting to you? We've also had some people post about their FIRE plans then go on to state their spouse is going to get a job with health insurance benefits. You didn't mention that, but sometimes people do add that important additional information. Agree your next step is to track your expenses in detail (not your credit card spend). Figure out a plan for health insurance such as ACA and get quotes. Remember to cover all taxes, including taxes paid when you withdraw from Traditional reti...
by stan1
Tue Mar 05, 2024 3:44 pm
Forum: Personal Consumer Issues
Topic: Flying to London - Delta or British Airways
Replies: 58
Views: 5435

Re: Flying to London - Delta or British Airways

With 3 kids (ages unspecified by OP) on their first international flight I would 100% do a non-stop (if that's what OP means by direct) and would not be looking for micro-optimizations with other carriers to get a slightly better meal or a different economy seat.

If OP found a BA flight at ORD they should also check AA flights (on AA planes as well as code shares on BA). Seat selection on AA or DL is less of a hassle than on BA most of the time. If "kids" are young then I would want seat selection set up in advance and not wait until checkin.
by stan1
Tue Mar 05, 2024 11:35 am
Forum: Personal Consumer Issues
Topic: Kitchen Cabinet Cost
Replies: 37
Views: 3169

Re: Kitchen Cabinet Cost

Did you ask him if there were any tradeoffs he could do that would lower the cabinet cost?

Cabinet design really is an art. A good designer who knows how to use the design software and the capabilities of the manufacturer is really important. He may be pricing in a lot of extras like partitions and organizers that you may or may not want. If you don't want hardwood drawer organizers and would be fine adding in plastic later then you could save some money -- but over the life of the kitchen and time you own the house you may not want to cut that corner.
by stan1
Tue Mar 05, 2024 11:21 am
Forum: Personal Consumer Issues
Topic: Plateaued with my 45 minute workout - Age 47
Replies: 90
Views: 7581

Re: Plateaued with my 45 minute workout - Age 47

knightrider wrote: Mon Mar 04, 2024 9:40 pm
stan1 wrote: Mon Mar 04, 2024 9:37 pm What is your goal? Be healthy? Lose weight? Run marathon? Run sprints? Build muscle?
Increase fitness and build muscle. Would like to keep upping the speed of the treadmill every week or so. But maybe 8.5/9.0 mph is the limit for my age and doing this just 3X week??
You have to mix it up, you are going to injure yourself if not careful. You aren't strengthening your whole body. If your goal is fitness and muscle I would not use sprinting speed as a metric. That's exactly how you push yourself too hard and develop an injury.
by stan1
Tue Mar 05, 2024 11:16 am
Forum: Personal Consumer Issues
Topic: Flying to London - Delta or British Airways
Replies: 58
Views: 5435

Re: Flying to London - Delta or British Airways

BA has some unique seat selection fees, if you expect all five people to sit together you should investigate how any seat selection fees would impact your total cost. Also make sure you are looking at the full fare with taxes (e.g. from the airline websites). BA also has a larger than typical tax applied to their fares. Between both of those the fare you are seeing for BA in Goggle Flights could actually end up being closer to the DL fare.

I'm assuming your quotes are for the family of five (in coach) not per person (in business).
by stan1
Mon Mar 04, 2024 9:37 pm
Forum: Personal Consumer Issues
Topic: Plateaued with my 45 minute workout - Age 47
Replies: 90
Views: 7581

Re: Plateaued with my 45 minute workout - Age 47

What is your goal? Be healthy? Lose weight? Run marathon? Run sprints? Build muscle?