Search found 19583 matches

by dm200
Sat Apr 20, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 796
Views: 77016

Re: What frugal thing did you do today?

Before I engaged someone to remove a nearly dead big tree from my yard (tree was near both my house and neighbor's), I checked with the County (in Virginia). In Virginia, such tree services are not licensed, so they said I needed to make sure the tree service had BOTH workers compensation and liabil...
by dm200
Sat Apr 20, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: What I don’t understand about Donor Advised Funds...
Replies: 54
Views: 3872

Re: What I don’t understand about Donor Advised Funds...

One advantage of using a DAF vs your own "foundation" is that foundations must send at least 5% of the assets to charities each year. While that 5% applies to a DAF as a whole, they normally meet it easily because lots of folks do over the 5%. Different DAFs do or may require some percentage of gra...
by dm200
Sat Apr 20, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: What I don’t understand about Donor Advised Funds...
Replies: 54
Views: 3872

Re: What I don’t understand about Donor Advised Funds...

FIREchief wrote:
Fri Apr 19, 2019 3:57 pm
mchampse wrote:
Fri Apr 19, 2019 12:18 am
I could see using a DAF or foundation if you have $1M to give, but not for someone with 100s or 1000s to give.
Foundation? Sure. DAF? I disagree. A DAF with low minimum contributions/grants can be useful for anybody who donates to charity.
Yes!
by dm200
Sat Apr 20, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: What I don’t understand about Donor Advised Funds...
Replies: 54
Views: 3872

Re: What I don’t understand about Donor Advised Funds...

One advantage of using a DAF vs your own "foundation" is that foundations must send at least 5% of the assets to charities each year. While that 5% applies to a DAF as a whole, they normally meet it easily because lots of folks do over the 5%. Different DAFs do or may require some percentage of gran...
by dm200
Sat Apr 20, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advertising
Replies: 8
Views: 476

Re: Real Estate Advertising

Locally (Washington DC area) I hear a lot of radio ads for realtors. One promotes its 1% commission for sale of your home. Two others advertise that they have hundreds of folks ready to buy your house AND they each say they guarantee your asking price OR they will buy the house themselves at the ag...
by dm200
Sat Apr 20, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 2944

Re: At what point would you hire someone vs. cut down a tree yourself?

Even if you have excellent health insurance, there are significant financial and other downsides if you are injured doing this yourself.
by dm200
Fri Apr 19, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage will I keep when I sell my home?
Replies: 20
Views: 1377

Re: What percentage will I keep when I sell my home?

gasdoc wrote:
Fri Apr 19, 2019 2:39 pm
Is there a way to know if you are in a "sellers market," other than by what the realtor says? (I am currently helping a relative sell a home in another state.).

Thanks.
gasdoc
Talk to neighbors
by dm200
Fri Apr 19, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 2944

Re: At what point would you hire someone vs. cut down a tree yourself?

I would get bids and have them both done at the same time. If you want it cut up for firewood, they can do that too. Not sure why you would want pine for firewood, though. I hate to spend the money since there are other projects I need to spend on (including roof/gutts), but this is the first time ...
by dm200
Fri Apr 19, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage will I keep when I sell my home?
Replies: 20
Views: 1377

Re: What percentage will I keep when I sell my home?

HomeStretch wrote:
Fri Apr 19, 2019 1:50 pm
In addition to what has been previously posted, you may have closing adjustments where money is due to you for oil/propane in tanks and pro-rated association dues.
yes - watch for this - clarify in the contract.

Also, wood for the fireplace.
by dm200
Fri Apr 19, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage will I keep when I sell my home?
Replies: 20
Views: 1377

Re: What percentage will I keep when I sell my home?

Once you have a ratified contract, the biggest opportunity for buyer renegotiating price is the home inspection. You may not like it, but it happens. Be prepared. Make sure all the major systems (hvac, roof, major appliances, etc) are operational. If not, they could cost you. Its hard to sell a hou...
by dm200
Fri Apr 19, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage will I keep when I sell my home?
Replies: 20
Views: 1377

Re: What percentage will I keep when I sell my home?

Some closing costs may be "negotiable" between the seller and the buyer. What is "negotiated" will affect what you keep. Real estate taxes - prorated and depends on how and when such taxes are paid - No experience, but several realtors in this area are heavily advertising a 1% fee for selling your h...
by dm200
Fri Apr 19, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 796
Views: 77016

Re: What frugal thing did you do today?

Mike Scott wrote:
Fri Apr 19, 2019 12:32 pm
I extended the battery life in my alarm clock by not setting it to go off this morning. However, that small savings may be offset by more wear on the bed caused by sleeping longer. :)
Anyone still use a windup alarm clock?

I don't.
by dm200
Fri Apr 19, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 2944

Re: At what point would you hire someone vs. cut down a tree yourself?

If the tree is more than two inches in diameter or so, always hire someone - who has all the insurance coverage (liability, workers comp, etc.)
by dm200
Fri Apr 19, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 796
Views: 77016

Re: What frugal thing did you do today?

Not today, but I now almost always just have plain water with my restaurant meals.

Lower cost and better health.
by dm200
Fri Apr 19, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 1826

Re: Get the best deal for your cruise: Whole Food, Plant Based

I, too, have moved (not 100%) towards WFPB and Dr Michael Greger. As I recall from several Bermuda cruises we took years ago (before I moved to WFPB) - there were always several choices for dinner. As Vegan/Vegetarian/WFPB have become more popular, have these dinner choices on regular cruises become...
by dm200
Fri Apr 19, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 796
Views: 77016

Re: What frugal thing did you do today?

Just saw my Primary Care Doctor (only $10 Copay) - in the hope that spending the $10 NOW will mean fewer (more expensive) problems later.
by dm200
Fri Apr 19, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 796
Views: 77016

Re: What frugal thing did you do today?

Just got another cup of coffee at work (coffee free to employees and customers).
by dm200
Fri Apr 19, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: What I don’t understand about Donor Advised Funds...
Replies: 54
Views: 3872

Re: What I don’t understand about Donor Advised Funds...

Another benefit of a DAF (at least Fidelity's, with which I'm familiar) is that you can leave funds in it or add funds to it upon your death, and you can select successor charities who will receive funds. I'm not sure, but I think maybe you can set it up so they receive funds over time. Also, you c...
by dm200
Fri Apr 19, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: What I don’t understand about Donor Advised Funds...
Replies: 54
Views: 3872

Re: What I don’t understand about Donor Advised Funds...

Again, from my personal experience with an outreach "ministry" - If potential donors to a charitable cause see a financial report of the organization that shows large balances, that may lead the potential donors to believe that the organization does not "need" further donations - why not just spend ...
by dm200
Fri Apr 19, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 22
Views: 1142

Re: Controlling Ivy on walls

UpperNwGuy wrote:
Fri Apr 19, 2019 9:02 am
TimeRunner wrote:
Thu Apr 18, 2019 7:53 pm
Rats love ivy - easy to climb, great habitat to hide and burrow in.
This is very true and is an oft-neglected aspect of the ivy problem.
Birds as well.
by dm200
Fri Apr 19, 2019 8:38 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 7876

Re: This could be the biggest risk that retirees face?

Some trends I am beginning to see is that, due to increasing health risks from bad lifestyle choices, US Life expectancy may actually be going down.
by dm200
Fri Apr 19, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 22
Views: 1142

Re: Controlling Ivy on walls

I believe "English Ivy" is about the worst. It can actually kill a tree.
by dm200
Fri Apr 19, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advertising
Replies: 8
Views: 476

Re: Real Estate Advertising

Locally (Washington DC area) I hear a lot of radio ads for realtors. One promotes its 1% commission for sale of your home. Two others advertise that they have hundreds of folks ready to buy your house AND they each say they guarantee your asking price OR they will buy the house themselves at the agr...
by dm200
Fri Apr 19, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: What I don’t understand about Donor Advised Funds...
Replies: 54
Views: 3872

Re: What I don’t understand about Donor Advised Funds...

The OP suggested putting money in a DAF and giving it to her church a year from now. Others have said that they already know whom they intend to give to, but will do so over time instead of in a lump sum. Those are use cases that don’t make sense to me. The charity is much better off with the bird ...
by dm200
Fri Apr 19, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 7876

Re: This could be the biggest risk that retirees face?

Before 401k's, there were pensions. The whole idea was that some of us might keel over at 100, others at 60, but we averaged out and didn't have to over-save with the assumption of extreme longevity. Yeah, annuities are vaguely similar, but with middlemen taking all the profit off the top. Isn't it...
by dm200
Fri Apr 19, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 7876

Re: This could be the biggest risk that retirees face?

Kenkat wrote:
Thu Apr 18, 2019 8:05 pm
Dying young does not seem like a good risk mitigation strategy.
I agree ;)
by dm200
Thu Apr 18, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Question on free credit reports?
Replies: 4
Views: 329

Re: Question on free credit reports?

I regularly monitor and track my credit scores with Karma (two scores), free Discover credit score, and the Discover credit score when I get my monthly credit card statement from Discover.

With these, I now see no need to do the free reports referenced.
by dm200
Thu Apr 18, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 22
Views: 1142

Re: Controlling Ivy on walls

Cut it off at the base. It has a starting point somewhere in the ground. Find that, cut that branch at the base. The vines will die right on your wall, even if you don't pull them off. It's a great analogy for so many things in life ! Yes - absolutely works best. Of course, if the base is on the ne...
by dm200
Thu Apr 18, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Donating Money In Someone's Name
Replies: 5
Views: 452

Re: Donating Money In Someone's Name

Hi Bogleheads. I've never worked for a Megacorp so I don't know how donation matching works. My company (I am the owner) is donating $500 for every sale to build a $25,000 home at a homeless village in our city. I make the donations in my personal name and personal bank account. When I mentioned to...
by dm200
Thu Apr 18, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 22
Views: 1142

Re: Controlling Ivy on walls

I am not aware of anything other than being diligent to cut off any ivy that extends onto your property.

It might be worthwhile to try to educate your neighbors about how harmful this ivy can be.
by dm200
Thu Apr 18, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: What I don’t understand about Donor Advised Funds...
Replies: 54
Views: 3872

Re: What I don’t understand about Donor Advised Funds...

There are many excellent charitable organizations (including religious entities) that are not (for many reasons) able to well handle a large lump sum donation that the donor intends to be used over a longer period of time (such as many years). That is true for the primary destination of most of our ...
by dm200
Thu Apr 18, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: Loans from 401k -- back door investing?
Replies: 57
Views: 4049

Re: Loans from 401k -- back door investing?

Are there 401k plans that do allow this double use of capital? I see in my plan where it does says that the principal and interest repaid does go into my account. It also says when I remove money from my account, that money no longer compounds interest on its own or grows. This makes me think it's ...
by dm200
Thu Apr 18, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Need help with insurance for mom
Replies: 9
Views: 365

Re: Need help with insurance for mom

Before being eligible for Medicare, my wife's monthly cost (even after Obamacare credit) was over $600 per month.

In my opinion, $600 per month is inexpensive -
by dm200
Wed Apr 17, 2019 1:26 pm
Forum: Investing - Theory, News & General
Topic: Loans from 401k -- back door investing?
Replies: 57
Views: 4049

Re: Loans from 401k -- back door investing?

I apologize if I'm missing something, but as I was looking into taking a small loan from my solo 401k (and moving it to Etrade because Vanguard does not allow loans), I realized I did not care about having to pay it back with interest because the money goes right into my account. From what I learne...
by dm200
Wed Apr 17, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Savings account for child?
Replies: 35
Views: 1430

Re: Savings account for child?

It never hurts to plant a "good seed" for a child. Our attempts to instill the value of "saving" (various ways) to our son as a child, teen or young adult were (at those times) complete failures. Now, decades later, he has become much more financially responsible. My guess is that the many seeds we ...
by dm200
Wed Apr 17, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice after bicycle accident
Replies: 48
Views: 2670

Re: Insurance Advice after bicycle accident

Yes. The other cyclist, who is presumably a driver, should be covered under her automobile policy for liability.
Surprising to me. Did not know "auto" insurance covered bicycling.
by dm200
Wed Apr 17, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Savings account for child?
Replies: 35
Views: 1430

Re: Savings account for child?

Probably a dumb question but ... is it really important for kids to have a bank account? Curious what it teaches that can't be taught more efficiently to a young adult. I did not have one until I was 19 as I recall and I can't think of what I might have missed. If the point is to teach "saving" dis...
by dm200
Wed Apr 17, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job to Spend Time with Disabled Spouse?
Replies: 13
Views: 1807

Re: Leave Job to Spend Time with Disabled Spouse?

Think carefully if quitting will cut down on stress and strain. First, I have known people in your situation who found that the normalcy and workplace interactions of their job was important for their mental health while coping with a loved one’s health issues. Others though really needed to be hom...
by dm200
Wed Apr 17, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice after bicycle accident
Replies: 48
Views: 2670

Re: Insurance Advice after bicycle accident

I'd like some advice about what the best next steps are in my situation. I'm confused about the claim process or if I even have grounds to make one. My wife was with a cycling group this past Sunday and collided with a car. Wife is ok, but hurt her hand, mild concussion, and smashed her knee pretty...
by dm200
Wed Apr 17, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Anyone have a child model?
Replies: 42
Views: 4488

Re: Anyone have a child model?

Our neighbor's daughter started doing TV Commercials beginning at about age 4 - and continued doing these until she (at the age of 16) moved to California looking for an acting career. Fortunately for her, she got several episode spots in several TV shows - and then a regular in a TV series for the ...
by dm200
Wed Apr 17, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Notice to vacate/late rent
Replies: 59
Views: 5706

Re: Notice to vacate/late rent

UPDATE: Thank you for all the comments, We ended up having to pay through money order, there was about a 160 dollar late fee that that applied to the base rent. We decided to contact the management companies headquarters and explain the situation. They apologized for the form (notice to vacate) tha...
by dm200
Wed Apr 17, 2019 11:51 am
Forum: Personal Investments
Topic: SSA Retirement and Child-in-Care Spousal Benefits
Replies: 10
Views: 462

Re: SSA Retirement and Child-in-Care Spousal Benefits

My mistake -- I meant Social Security Benefits for a child. And thank you for the clarification on the difference between the end of benefits for the child and those of the spouse caring for the child, and the example for the child with the disabled father. I have a meeting with Social Security Rep...
by dm200
Wed Apr 17, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Leave Job to Spend Time with Disabled Spouse?
Replies: 13
Views: 1807

Re: Leave Job to Spend Time with Disabled Spouse?

Think carefully if quitting will cut down on stress and strain. First, I have known people in your situation who found that the normalcy and workplace interactions of their job was important for their mental health while coping with a loved one’s health issues. Others though really needed to be hom...
by dm200
Wed Apr 17, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: Am I getting the runaround from my dentist?
Replies: 19
Views: 1916

Re: Am I getting the run-around from my dentist?

I had a dentist cleaning on 3/25'th. In past they file a claim with my insurance company and I get a check from the insurance. This time I have not received any check yet and do not see any claim when I log into my dental insurance platform. I emailed my dental office and they sent a curt reply: "T...
by dm200
Wed Apr 17, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: umbrella insurance negative cost?
Replies: 10
Views: 1053

Re: umbrella insurance negative cost?

michaeljc70 wrote:
Wed Apr 17, 2019 9:16 am
I would look into it further and make sure they didn't make any other changes you didn't want.
Yes - could be some kind of mistake.
by dm200
Wed Apr 17, 2019 9:27 am
Forum: Personal Investments
Topic: Why buy a CD with a brokerage firm?
Replies: 17
Views: 1171

Re: Why buy a CD with a brokerage firm?

aristotelian wrote:
Wed Apr 17, 2019 9:27 am
dm200 wrote:
Wed Apr 17, 2019 9:03 am
One advantage of brokered CDs is being able to have all of your CD investments FDIC insured and in one place (for convenience, etc.)
+1, especially if buying in tax advantaged account.
Yes.
by dm200
Wed Apr 17, 2019 9:05 am
Forum: Personal Investments
Topic: SSA Retirement and Child-in-Care Spousal Benefits
Replies: 10
Views: 462

Re: SSA Retirement and Child-in-Care Spousal Benefits

The Wizard wrote:
Wed Apr 17, 2019 8:02 am
SSI is Supplemental Security Income.
Are you sure that's what you mean?
From the discussion, this sounds like Social Security Retirement benefits for minor(s) - NOT SSI
by dm200
Wed Apr 17, 2019 9:03 am
Forum: Personal Investments
Topic: Why buy a CD with a brokerage firm?
Replies: 17
Views: 1171

Re: Why buy a CD with a brokerage firm?

One advantage of brokered CDs is being able to have all of your CD investments FDIC insured and in one place (for convenience, etc.)
by dm200
Wed Apr 17, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Do you pick up after renting a vacation rental?
Replies: 51
Views: 3379

Re: Do you pick up after renting a vacation rental?

Where being charged a cleaning fee, I think I would do a basic cleanup - empty trash, pickup any trash in the place, wash and put dishes away.

I think the term "broom clean" would apply.
by dm200
Wed Apr 17, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: What I don’t understand about Donor Advised Funds...
Replies: 54
Views: 3872

Re: What I don’t understand about Donor Advised Funds...

Funded years ago with appreciated stock purchased when I was an employee of a MegaCorp, my wife and I use Fidelity's DAF. The balance is invested in fixed income and equity (about 70% equity and 30% fixed). We use this to fund our charitable giving. Our intent is to keep the balance about the same o...