Search found 17531 matches

by dm200
Tue Sep 18, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2589

Re: Picking a Charity

One of our favorite causes is cancer research, and we choose to donate directly to a cancer research center to bypass the fundraising middle men. (https://www.cancer.gov/research/nci-role/cancer-centers) For personal reasons, our favorite is Fred Hutchinson(https://en.wikipedia.org/wiki/Fred_Hutchi...
by dm200
Mon Sep 17, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: Do vanguard tsm and 500 funds distribute capital gain?
Replies: 7
Views: 622

Re: Do vanguard tsm and 500 funds distribute capital gain?

Hi there, I love the Vanguard TSM and 500 funds, and their ETF class products as well. Will I ever need to worry about some massive capital gain tax distribution that could potentially put me into a massive capital gain tax situation? I believe (someone correct me if not true) it is possible that t...
by dm200
Mon Sep 17, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2589

Re: Picking a Charity

I am a proponent of memorial donations being "requested" instead of flowers when someone dies. This might be something we can reearch for ourselves or family members well in advance. I think offering several choices may be a good idea as well.
by dm200
Mon Sep 17, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: retroactive change to State Retirement plan illegal?
Replies: 13
Views: 1306

Re: retroactive change to State Retirement plan illegal?

Illegal? Probably not Here in Maryland, the retired state employees are fuming because it was announced their Rx drug plan is being eliminated and everyone was told they had so many days to sign up with a Medicare Part D PDP. Their retiree drug coverage program had been "promised" to them as one of...
by dm200
Mon Sep 17, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 81
Views: 4594

Re: Delaying Social Security Until 70

And you are completely wrong that it's "not politically possible" to cut benefits. It's happened before via adjustments to the FRA and other means. It can happen again. Yes. To my memory, in the Reagan years a child's survivor benefit was changed from age 21 (if attending college) to age 18 (or tim...
by dm200
Mon Sep 17, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Laddered CDs
Replies: 28
Views: 2597

Re: Laddered CDs

Well, I have my account with Fidelity. Does anyone know what the face value is for their CDs? Can I buy at $1000 each? Yes, I'm new to this stuff. BW Yes, as with bonds, quantity 1 is $1,000 face value. For new issues, this is what you'll pay. On secondary market, what you pay will depend on price ...
by dm200
Mon Sep 17, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Approach year end - medical costs/actions
Replies: 1
Views: 228

Re: Approach year end - medical costs/actions

In our case, we will soon see any changes to costs under our Medicare plan -- so we can schedule a few things.
by dm200
Mon Sep 17, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: How to get financially ready for death of parent
Replies: 21
Views: 2259

Re: How to get financially ready for death of parent

How should her kids' names be attached to her financial accounts, if at all? Your mother should designate beneficiaries on each account. 50%/50% would be typical in that situation. Assuming you are both power of attorney, you want at least one of you on the accounts so you can do banking/write chec...
by dm200
Mon Sep 17, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 43
Views: 2897

Re: a low grade in a 9th-grade test

At some point in schooling your natural ability runs out, and you have to "learn how to learn." This is a meta-skill that will help them the rest of their lives, and includes things like how to take notes, how to study, how to ask teachers for help, and how to form study groups. Other supporting sk...
by dm200
Mon Sep 17, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 43
Views: 2897

Re: a low grade in a 9th-grade test

The first thing to do would be to talk with your kid and to see why they think they got the D. The next thing would be to contact the teacher to find out what is going on. It could be something simple like the test was too hard and all the students did badly. Some teachers don't grade on a curve so...
by dm200
Mon Sep 17, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 81
Views: 4594

Re: Delaying Social Security Until 70

"It's not politically possible to cut benefits. Sometime in the next decade, taxes are going up." This is not the first time it has happened - perhaps research how it was 'corrected' the past time. They boosted the FRA for people too young to be much of a voting block. In 1983 the last time the law...
by dm200
Mon Sep 17, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 77
Views: 2885

Re: Dilemma: Add room to current house or buy new house?

Our house is 1,250 sq ft total (2 floors) 3 BR 1 bath.
by dm200
Mon Sep 17, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 77
Views: 2885

Re: Dilemma: Add room to current house or buy new house?

Can the existing space be reconfigured to the desired needs or wants?
by dm200
Mon Sep 17, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 43
Views: 2897

Re: a low grade in a 9th-grade test

I am asking this question for a young person. - in 8th grade, got A in 5 core subjects - recommended for honors in 5 core subjects for 9th grade - took honors in 5 core subjects in 9th grade - got D in the first test of subject s1 Which option make sense? - continue in honors in 5 core subjects - a...
by dm200
Sun Sep 16, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to get financially ready for death of parent
Replies: 21
Views: 2259

Re: How to get financially ready for death of parent

I would also make a judgement about how stringent the distribution of any assets need be in her will, trust, etc. to beneficiaries. If all the actual or potential beneficiaries will fairly decide how the split will be, then take that into account. If they will not, then the documents need to me more...
by dm200
Sun Sep 16, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to get financially ready for death of parent
Replies: 21
Views: 2259

Re: How to get financially ready for death of parent

Your best option is to set up a consultation with an estate attorney for all three of you, Your mother needs to have a will and end-of-life plans drawn up anyway. And the attorney can answer your questions about debts and how accounts should be titled. These issues can vary a lot by state, so gener...
by dm200
Sun Sep 16, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to get financially ready for death of parent
Replies: 21
Views: 2259

Re: How to get financially ready for death of parent

Is there a place on the Bogleheads site where one can learn about getting things in order? I don't know anything about this topic but I feel the time has come to begin learning. The specific situation involves a widow, my mother, who does not yet have specific plans to retire. My sister and I are h...
by dm200
Sun Sep 16, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Selling car to out of state buyer- funds
Replies: 19
Views: 1087

Re: Selling car to out of state buyer- funds

Golf maniac wrote:
Sun Sep 16, 2018 12:45 pm
The comments above are the reason most people go to car dealers or carmax, there are a million ways to get ripped off selling a car to a private party.
Very true.. especially in amounts like this - One thing to be ripped off for $3,000 - yet another for $30,000!
by dm200
Sun Sep 16, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 81
Views: 4594

Re: Delaying Social Security Until 70

As most of us here are heavily invested in index funds, WE own the corporations too. They are us. Sure, but hiking the employer side of payroll taxes doesn't change the fully burdened cost per employee very much. Social Security is about 75% to 80% funded depending on how pessimistic you are about ...
by dm200
Sun Sep 16, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Selling car to out of state buyer- funds
Replies: 19
Views: 1087

Re: Selling car to out of state buyer- funds

Ditto for using wire transfer. Confirm money is in your account before signing over title. Certified checks can have a STOP payment put on them . Best regards Boat Except in some very rare and unusual situations, Cashiers Checks (or equivalent) cannot be stopped. An ACH transfer can be reversed, bu...
by dm200
Sun Sep 16, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 81
Views: 4594

Re: Delaying Social Security Until 70

Many people take it earlier because they need it. The lack of pensions will likely increase this group in the future unless they have access to and take advantage of their 401k type vehicle. Another large segment just can't wait either because of health reasons or not used to delaying gratification...
by dm200
Sat Sep 15, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Approach year end - medical costs/actions
Replies: 1
Views: 228

Approach year end - medical costs/actions

As we approach the end of the calendar year, it might be worth evaluating (when you have the choice) spending on medical/health matters before or after year end. Consider- status of any deductibles that start over January 1 Price before and after December 31 Coverage changes December 31 So, for exam...
by dm200
Sat Sep 15, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 23
Views: 1444

Re: HOA Donation in Remembrance of Deceased Owner

My opinion is that it is (or may be) appropriate to provide this for current or former board member - and not the general membership.
by dm200
Sat Sep 15, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2589

Re: Picking a Charity

Like a couple of others, I'll chime in to recommend charities highlighted by Givewell. I currently donate to the Against Malaria Foundation, which is one of their top charities. AMF distributes Long Lasting Insecticide Treated Bed Nets to prevent Malaria. Each bed net costs about $2 and protects 2 ...
by dm200
Sat Sep 15, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3618

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

In the last few years, "manufactured" wood floors have become more popular.
by dm200
Sat Sep 15, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 81
Views: 4594

Re: Delaying Social Security Until 70

Two reasons for waiting (my opinion) include:

Less likely to run out of money with a long lifespan

Asset protection is better for SS income than almost any other income stream or asset
by dm200
Sat Sep 15, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 23
Views: 1444

Re: HOA Donation in Remembrance of Deceased Owner

I was on a condo trust board - not the same as an HOA but similar. My first take was that it wouldn't be appropriate. The more I thought about it, I decided it would be OK if : - it were a standard policy (I.e., you did it for every resident who died. - you had a standard amount, say $50 or $100 - ...
by dm200
Sat Sep 15, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 81
Views: 4594

Re: Delaying Social Security Until 70

I will begin taking Social Security later this year at age 70, and read some surprising statistics recently: Only about 2% of Social Security beneficiaries wait until age 70 to get the maximum benefit. I understand that there are a myriad of reasons to take it sooner, but it seems to me that more p...
by dm200
Sat Sep 15, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 23
Views: 1444

Re: HOA Donation in Remembrance of Deceased Owner

How common is it across the United States for HOA's (Homeowner Associations) to use association funds to donate to a charity or to buy flowers for the family in memory of a recently deceased owner/member of the HOA? I don't think this is a proper use of HOA funds as not every single member benefits...
by dm200
Sat Sep 15, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2589

Re: Picking a Charity

While I believe that the overhead/fundraising costs of charities should be low, I think that many legitimate and deserving charities may have justifiable reasons for fundraising and overhead. The challenge, it seems to me, is finding (and knowing) that balance. One of the international causes I supp...
by dm200
Sat Sep 15, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2589

Re: Picking a Charity

One of my priorities for a charity that supports international help and relief is that it not be for directly promoting a denomination or narrow religious views. From what I can determine, many such charities under the auspices of a religion or denomination support aid to folks of all (or no) faith....
by dm200
Sat Sep 15, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2589

Re: Picking a Charity

That's fine. I just wanted to make sure folks are aware of the apposing views about this site and charity. There are other health charities folks can also donate to for healthly living if they aren't Veagans. With any charity be sure to thoroughly research the backgrounds of the folks running it an...
by dm200
Sat Sep 15, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance - Price vs. Quality
Replies: 21
Views: 1516

Re: Homeowner's Insurance - Price vs. Quality

Apologies if I missed the answer during a forum search. I am currently in the process of shopping for insurance for a new house. Throughout my search, I have come across widely varying rates from different companies anywhere from 80/month to 180 month. My concern is not necessarily the price, but c...
by dm200
Sat Sep 15, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2589

Re: Picking a Charity

I like to give to medical research. It can be difficult to assess the impact of such charities. Yes - difficult indeed. This is one I support (501c3) promoting lifestyle addressing medical/health issues - www.nutritionfacts.org Before donating to this charity be sure to research it thoroughly and m...
by dm200
Sat Sep 15, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard and Certificate of Deposits
Replies: 8
Views: 1101

Re: Vanguard and Certificate of Deposits

Mitchell777 wrote:
Fri Sep 14, 2018 6:11 pm
Not sure I understand the question but Vanguard does offer new issue CD's and secondary market CD's. All FDIC insured.
Yes - Vanguard offered new issue brokered CDs.

It could not do "direct issue" of a CD because Vanguard is not a bank.
by dm200
Sat Sep 15, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Selling car to out of state buyer- funds
Replies: 19
Views: 1087

Re: Selling car to out of state buyer- funds

Meet at branch of his credit union to make sure the check is valid AND represents "Guaranteed Funds". This would be either a Cashiers Check or the equivalent Tellers Check from that credit union.
by dm200
Fri Sep 14, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Investing more into my LLC vs Loaning
Replies: 4
Views: 340

Re: Investing more into my LLC vs Loaning

Im here to ask if this is the right train of thought for putting some more cash into my company. Its a partnership LLC and I don't want to own more of the company then my partner. The goal is to temporarily boost the company's cash pile without owning more of the company then the partner and to be ...
by dm200
Fri Sep 14, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2589

Re: Picking a Charity

Charity navigator org I notice that Charity Navigator has an option to donate directly through their website. I like the idea of giving anonymously. Has anyone used this feature, and if so, what was your experience? Did you get a tax receipt? Did you get annoying emails? We do that with our Fidelit...
by dm200
Fri Sep 14, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Using 401k loans to max tax advantaged accounts early in career
Replies: 24
Views: 1211

Re: Using 401k loans to max tax advantaged accounts early in career

So I just had an idea and want to float it so you all can poke holes in it before I get carried away implementing something that comes back to bite me. Say I have a 401k that allows loans, and I am not currently maxing contributions but expect income to increase over the next few years such that I ...
by dm200
Fri Sep 14, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 9702

Re: Massive Student Loan Debt - Fiancee

One issue I would be concerned about is if, after marriage, the OP could become liable for any of her debts/obligations (somehow).
by dm200
Fri Sep 14, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2589

Re: Picking a Charity

dm200 wrote:
Fri Sep 14, 2018 12:01 pm
golfCaddy wrote:
Thu Sep 13, 2018 7:03 pm
I like to give to medical research. It can be difficult to assess the impact of such charities.
Yes - difficult indeed.
This is one I support (501c3) promoting lifestyle addressing medical/health issues - www.nutritionfacts.org
by dm200
Fri Sep 14, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2589

Re: Picking a Charity

We do some local ones including: -Our local no-kill Animal Shelter. -Our local Battered Woman's Shelter (this one we found out about through our church - it isn't known otherwise). -Our local food bank Yes - the one (that I know of) in this locality has its location kept (somewhat) secret - for obv...
by dm200
Fri Sep 14, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buying townhome/home -- need opinions
Replies: 26
Views: 1858

Re: Buying townhome/home -- need opinions

I would concur with the rest of the board on this one. Whenever I hear that "Renting is throwing money down the drain".....I cringe! Also, I feel that in much of the country real estate is richly valued. However, there are social and psychological benefits to home ownership. Home ownership as in Si...
by dm200
Fri Sep 14, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2589

Re: Picking a Charity

golfCaddy wrote:
Thu Sep 13, 2018 7:03 pm
I like to give to medical research. It can be difficult to assess the impact of such charities.
Yes - difficult indeed.
by dm200
Fri Sep 14, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5693

Re: Lab test prices - exasperating!

Doctors don’t pick lab tests based on what is covered. I would hope it is based on what is medically necessary. I'd suggest that is a naive hope. Unnecessary tests are widely considered to be a significant part of the problem of our high-cost health care system. My opinion as well. It is not just t...
by dm200
Fri Sep 14, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3310

Re: Buying a house 1 mile away from a municipal landfill

I am originally from a rural area that has a "landfill" that started many decades ago as a "dump" on what was farmland.

Due to financial and political pressure, one risk is that it may be expanded and end up much closer -- and much larger.
by dm200
Thu Sep 13, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buying townhome/home -- need opinions
Replies: 26
Views: 1858

Re: Buying townhome/home -- need opinions

If you buy a house (say 3/4 BR) and "share" with 2 others (who pay rent) - you can (as best I understand) treat 2/3 of the house as a rental and can do things like depreciate 2/3 of it as well as treat 2/3 of the cost of repairs, furnishings, etc as a rental expense.
by dm200
Thu Sep 13, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Vacation to San Francisco, Yosemite, Sequoia
Replies: 32
Views: 1349

Re: Vacation to San Francisco, Yosemite, Sequoia

On one trip to/through San Francisco, we took a half day guided bus trip around the city.