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dm200

Since you're looking at former rentals let me share something I read - it was on the Internet so it must be true. :wink: I read a post a while back from a guy who worked at one of the larger rental agencies for a long time. He stated the rental agencies keep the very best quality aged-out cars and ...

dm200

#1 - Maybe, but I thought it was not the banks selling on the secondary market. Or is it, sometimes? I don't know for sure. I bought some new issues a couple of weeks back and I still see the same CUSIP on the secondary market. I am assuming that the banks are selling the "unsold" portions on the s...

dm200

indexonlyplease wrote: ↑
Tue Apr 24, 2018 4:27 pm
What is the advantage of not reinvesting the dividends automatically?

Keeps the record keeping for tax purposes simpler

dm200

We are going to be on COBRA for 10 more months. I wonder if we will be able to get Cal-COBRA once the COBRA benefits are exhausted since the former employer (a large company) was self-insured/self-funded? I don't think the employer would be required by law to offer Cal-COBRA in that circumstance. I...

dm200

So, for more than a decade, I've been filing a 1099-DIV for my UTMA, all the while thinking UTMA was a stock symbol (I know :oops: ). I am now 37 years old, and the UTMA has $15k in it. I am also living in a very expensive rental market (Bay area), and paying $170/month on a student loan that has a...

dm200

Well, this UTMA is just a taxable account at this point in time. As noted, it should have ben transferred relatively tax-free to you a long time ago and perhaps it was, but you didn't change the "name" in your mind at that time. So all the regular taxes that apply or don't apply to investments woul...

dm200

I would be hesitant to accept cash depending on the state, especially if said states have aggressive asset forfeiture laws. It would be a real pity to receive several thousand in cash from the purchase, only to get pulled over for a speeding ticket on the way home and have the police take your mone...

dm200

Getting the money and signing the title is not enough. It's critical to make sure the title is transferred to the buyer's name or someone would be driving a car with your name on it. TravelforFun Yes - BUT ... Many purchasers (depending on the details) will not buy a car if you require they retitle...

dm200

Details may vary - but I believe COBRA applies to self funded plans. Look to see if your employer plan (and therefore COBRA) offers choices (such as HMO) as well. Going with COBRA can sometimes be a good transition to individual plans (now ACA) but who knows the future? I don't know if this still ap...

dm200

What type and price used cars does this place sell?

dm200

The first contact should be with the custodian. Unlike a UGMA, a UTMA requires the pro-active release of control by the custodian. Yes - it was the responsibility of the custodian to either spend (for your benefit) the funds or transfer them to you at the required age (for your state). Those ages r...

dm200

They are also adding a $900 certification fee I guess because the car goes through an inspection. This would normally include a 3 month warranty but because the car is from 2016 it still has coverage under the original warranty. So not sure about that fee either. What I thought was a really good pr...

dm200

I am looking to buy a car from a used car dealer and when I asked for an out the door price a freight charge of $600 was included. I would be picking up the car in person so it is not the cost of the car being shipped to me. When I asked what this was for they said "Our dealership has to ship vehic...

dm200

Investing.Newbie wrote: ↑
Mon Apr 23, 2018 1:16 pm
I'm self employed

If you are in a business or industry that has any professional associations or certifications, sometimes there policies issued to those in that business.

dm200

Neither my wife nor I are smart phone experts. We each have (about 5 months old) Moto-4 smart phones. Does anyone know (or have a credible basis for) the best charging practices? I charge mine every night to 100%. I use mine for internet more than she does - and sometimes watch videos on Hulu. She i...

dm200

Not new, pretty interesting industry. https://en.wikipedia.org/wiki/Viatical_settlement I remember reading about these when the AIDS epidemic was going on, as in that time AIDS was pretty much a death sentence. While some think Viatical settlements are morbid, I would think those early AIDS suffere...

dm200

Wish I could convince DW to cut the cable cord :( Does she have particular shows she wants to watch? A lot of resistance to change is not rational. My sisters pay over $300/month on cable bills (don't ask) and then end up watching old movies on youtube but I cannot convince them to cut the cable. T...

dm200

Wish I could convince DW to cut the cable cord :( Does she have particular shows she wants to watch? A lot of resistance to change is not rational. My sisters pay over $300/month on cable bills (don't ask) and then end up watching old movies on youtube but I cannot convince them to cut the cable. T...

dm200

When my car did not start, I called AAA and they were able (at a very fair charge, in my opinion) to replace my old and dead battery with a new one on the spot. The truck carried a supply of various batteries such that one would fit most cars. There was another thread about AAA recently in which we...

dm200

I find this site (enter your zip code) useful for my next to the bed over the air TV

https://www.aol.com/video/guide/tv/

Wish I could convince DW to cut the cable cord

dm200

We are in a very HCOL. We saw a house, which was nice, but pricey. The house subsequently was taken off the market, so we figured it sold. Apparently, a month before closing, the second floor washer hose broke, leading to a flood of the house. Real estate agent said water was live for 8 hours. The ...

dm200

Hi I had a quick question about mortgage payoff that the mortgage company couldn’t answer I owe roughly 100k on my mortgage loan and wish to pay this off When generating a loan payoff statement, the Aba number provided to me to wire the remaining funds routes to a different bank than the one listed...

dm200

I had an uncle (recently deceased at age 100) who (as long as I can remember back into the early 1950's) always bought a new car every two years. He and my aunt lived modestly - but that was a high priority for him. He also took excellent care for the cars. When one of his sons was old enough, the s...

dm200

Do you want/intend to do this yourself - or hire someone?

If hiring someone, maybe they might know and follow the rules?

dm200

I'm not sure how to answer this question. My sister signed into an association website to order a course. Course order went through fine, but she cannot log off the account. I've seen her try and the sign out link simply doesn't work. She's using FireFox - privacy mode. It's a live link and it's be...

dm200

One potential is that the paint may look like a good match now but in five years you will be able to see the difference. Find out how your insurance company and body shop will handle that. +1 My 2000 GMC truck was 1 month old and parked legally when a drunk wiped out the entire driver's side on his...

dm200

I am not sure what other lending companies do, but when I make an electronic transfer of funds to my mortgage company, it is applied immediately to pay down the principle of the loan. Maybe this is because I am ahead on my monthly payments. In my situation, I can make an epayment of $10 or $1000 an...

dm200

We have, fortunately, never used our AAA when traveling. What experiences do others have? I believe these services are available all over the US?

dm200

Realizing that coming up with the lump sum may be difficult, there is another advantage once that is done. While those funds are in a daf, they are "invested" in something & any gains aren't taxable to you. So, even with something like a money market fund, there will be small gains. Over time, that...

dm200

Probably not applicable to OP, but the ability to make anonymous donations is a great way to fund what you believe are deserving organizations -- and not get on the mail/email/phone lists for more. I send $50-$100 a year, for example, to a very small rural church in my hometown where my, now decease...

dm200

Is it correct, then, that a very similar Lexus to a Toyota will have higher repair bills? Why? Not all parts are the same. It's simply supply and demand. More Toyota parts are made than Lexus parts and because of that scale, Toyota repair parts are less expensive. A Prius and the Lexus CT share the...

dm200

"...A 2017 review by the U.S. Government Accountability Office, for example, found that in some Advantage plans, enrollees in poor health were substantially more likely to dump the plan than those in good health. A recent study by Brown University researchers found that Medicare Advantage enrollees...

dm200

A DAF might help if you have appreciated assets to donate and want to spread the "grants" over a regular series.

Another factor is that others can make donations to YOUR DAF - and you can request the grants.

dm200

Folks here seem to be moving is different directions. Some have purchased new during working years and used or older used in retirement (like DW and I).

Others bought used during working years - then decided new in retirement.

dm200

In my opinion, the best way to reduce healthcare costs in retirement is to be and stay healthy. Maintain healthful body weight, eat healthful things, avoid tobacco and alcohol, regular exercise. Eat whole food plant based diet - for the rest of your life (hope is long) That may reduce the amount of...

dm200

In my opinion, the best way to reduce healthcare costs in retirement is to be and stay healthy. Maintain healthful body weight, eat healthful things, avoid tobacco and alcohol, regular exercise. Eat whole food plant based diet - for the rest of your life (hope is long) That may reduce the amount of...

dm200

Medicare does not cover dental, vision or hearing. Determine what your current expenses are for those areas of health care.

Some Medicare Advantage plans, to a small degree, may address some of these. Ours does - vision and dental. Not sure about hearing.

dm200

No experience - BUT I see a lot of advertising by some car insurance company (cannot recall which one) that for damages - they claim they give you the value of a similar car with a lot fewer miles or, perhaps, a later model year. Sounds too good to be true OR (maybe) that is an added cost "option" ;)

dm200

It might be that the window is binding in it's track. The system senses high load on the motor and cuts out for safety. I suggest you try to manually help the window move when it quits to see if this is the issue. Thanks - I will try that on a nice, spring day. [Of course, I say that and then it wi...

dm200

Had a similar problem with a 12 year old Corolla. I replaced the switch on the driver door with one I found on Amazon, that didn't solve the problem so I returned the switch to Amazon and got my money back with their return policy. I took the car into a local independent Toyota repair show and they...

dm200

Vanguard also displays the distribution yield . Go to performance then distribution then list

dm200

Vanguard brokerage account and stick it in the Federal Money Market. Earns over 1.5%. Yes. - I manage investments for an organization and we have bond funds, mm fund and brokered CDs at vanguard - no problems. Just make sure the bylaws and policies of the organization allow what you do. Also check ...

dm200

wilshuer wrote: ↑
Sun Apr 22, 2018 1:31 pm
Perhaps the switch, wouldn't doubt if the contacts on the switch are worn.

My thoughts as well. Might make sense since the driver's window switch is used 99+% of the time vs other windows.

dm200

Our generally great 1998 Camry has an intermittent problem with the drivers power window. Occasionally, it stops part way doen - does nothing - then moves a little and, so far, eventually will close. Then, it is fine for a while. Last year, my wife had the motor (I think) replaced and it was fine fo...

dm200

Good alternatives to cable / satellite. YouTube TV - https://tv.youtube.com/welcome/ SlingTV - https://www.sling.com/ Playstation Vue - https://www.playstation.com/en-us/network/vue/ DirecTV Now - https://www.directvnow.com/ Hulu w/ Live TV - https://www.hulu.com/live-tv I researched a bit in the p...

dm200

3,000 miles is severe overkill for most vehicles on the road today with normal (or even severe) service. Hyundai only recommends a short 5,000 mile interval between changes if there is a turbocharger. Otherwise 7,500+ miles is fine. The 3,000 mile recommendation is to boost profits of oil change pr...

dm200

Put up an antenna to get the local channels; if you have internet service, get a Roku for streaming services. You won’t get live sports channels such as ESPN, but I’ve been a Roku / antenna consumer for a number of years and haven’t really missed them. I have a small TV next to my side of the bed a...

dm200

There may be zero problems renting from in-laws. However, do they really want to be landlords? I would answer that question first.. YOU might be "blamed" for things that are not your responsibility. Also sounds like marriage is down the road a while.. LOTS can happen on that long road.. [good and bad]

dm200

I cannot convince DW to cut the cable, BUT I notice a lot of over the air TV options. In addition, with our Sprint cell phone ervice, we get FREE hulu - both on the cell phones AND login with desktop/laptop to the internet. I actually like watching shows like Law and Order SVU in hulu becaue I can w...

dm200

Sounds like a potentially very complicated situation. We have a very expensive home on our street that has been vacant (fortunately very well maintained) for eight years since the elderly owners died. The house was left jointly to two adult children who have not been able to agree on when to sell t...

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