Search found 16182 matches

by dm200
Thu Jun 21, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Is a Donor Advised Fund worth it? (Strategy)
Replies: 7
Views: 338

Re: Is a Donor Advised Fund worth it? (Strategy)

We have a Fdelity DAF and our plan is to keep it about the same balance over time - and fund annual "giving" to charities from the expected increase in the value of the investments.

We have a mix of about 59% US Equity, 29% fixed income, 9% inrternational equity abd 3% monty market
by dm200
Wed Jun 20, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 26
Views: 1369

Re: What will (or would) you tip when wages go up?

As the referenced articles document - some of those relying on tips do very, very well financially - while others do not.

That is consistent with a few folks I encounter who also depend on tips.
by dm200
Wed Jun 20, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 26
Views: 1369

Re: What will (or would) you tip when wages go up?

20% always, unless there is a service fee. Then nothing. I've never even considered checking wage laws in the US. I do when traveling internationally, but that's rare these days. They need the money more than I do. Besides that while system is crazy complex. It's almost as nuts as our healthcare sy...
by dm200
Wed Jun 20, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 28
Views: 790

Re: How to evaluate charities to donate to?

I don't know if this "technique" for keeping the cost ratio low is good or bad. All charities, in some way or another have operational and fundraising costs. So, let's say a charity raises (to keep the math simple) $1,000,000 per year. Let's say their operational and fundraising costs are $250,000 ...
by dm200
Wed Jun 20, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 26
Views: 1369

Re: What will (or would) you tip when wages go up?

UpperNwGuy wrote:
Wed Jun 20, 2018 3:23 pm
I live in Washington DC and voted in yesterday's primary election. There's a lot of emotion and misinformation on both sides of this issue, so I would hope that any responses are civil and carefully phrased. This topic could easily degenerate into a political discussion.
Right.
by dm200
Wed Jun 20, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 12
Views: 956

Re: Gifting trip for inlaws

They don't like new things particularly-that is why we need help w/ ideas. We surprised them with a Hawaiian vacation and his first words were 'What am I going to do in Hawaii?' :D He is kind of stuck in the 50's. She is minimally more adventuresome-doesn't need meat potatoes each meal. They put th...
by dm200
Wed Jun 20, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 26
Views: 1369

What will (or would) you tip when wages go up?

Washington DC voters have just approved (to be phased in over many years) https://www.washingtonpost.com/local/dc-politics/no-initiative-77-didnt-end-tipping-in-dc-a-guide-to-newly-passed-measure/2018/06/20/5f6a1fb8-7441-11e8-805c-4b67019fcfe4_story.html?utm_term=.c9eea72dcd85 https://www.washington...
by dm200
Wed Jun 20, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Senior discounts to look out for
Replies: 12
Views: 1251

Re: Senior discounts to look out for

My wife just informed me that the local Giant supermarket has 5% off for seniors on Tuesdays.
by dm200
Wed Jun 20, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 12
Views: 956

Re: Gifting trip for inlaws

We had a somewhat similar situation for a parents' milestone anniversary some years ago. Parents were not that comfortable traveling due to fear of the unknown related to the "hows" of traveling ("What do we do if the hotel says they don't have a room for us?") . Ended up buying them a week-long tr...
by dm200
Wed Jun 20, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 28
Views: 1672

Re: Storing Sustenance for Disasters

Recently, I stumbled onto a three day supply of the military MRE (Meals ready to eat). Looks like these can be stored for a long, long time. Not my "optimum" plan for eating, but sure beats nothing.
by dm200
Wed Jun 20, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 12
Views: 956

Re: Gifting trip for inlaws

Just looking for brainstorming ideas. We might or might not accompany them. Our ideas for vacation are disparate (adventure/exercise vs not). They want to travel but don't like new things particularly-that is why we need help w/ ideas. We surprised them with a Hawaiian vacation and his first words ...
by dm200
Wed Jun 20, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can other people contribute to my donor advised fund?
Replies: 9
Views: 429

Re: Can other people contribute to my donor advised fund?

If another party was a significant (or otherwise important) donor to your DAF, you could make that party an additional or alternate or successor for making grant decisions/requests.
by dm200
Wed Jun 20, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can other people contribute to my donor advised fund?
Replies: 9
Views: 429

Re: Can other people contribute to my donor advised fund?

Yes they can, and since a DAF is a 501c3 organization, they can even deduct their contributions on their tax returns. Not sure what you mean by "tribute," but as long as you don't plan to make grants to anything other than another 501c3 charity, you should be fine (see my sig). No personal experien...
by dm200
Wed Jun 20, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1019

Re: Cataract surgery - one or two?

a close acquaintance (early 70's and in good health) just had both eyes done at once (a Kaiser medicare plan in North California) two weeks ago. She lives alone; a friend drove her both ways. The following day, everything was fine and she was comfortable driving a short distance in the daylight.. S...
by dm200
Wed Jun 20, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 28
Views: 790

Re: How to evaluate charities to donate to?

I don't know if this "technique" for keeping the cost ratio low is good or bad. All charities, in some way or another have operational and fundraising costs. So, let's say a charity raises (to keep the math simple) $1,000,000 per year. Let's say their operational and fundraising costs are $250,000 p...
by dm200
Wed Jun 20, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: 1st Car Mechanic service experience
Replies: 29
Views: 1215

Re: 1st Car Mechanic service experience

We routinely use private (not car dealer) mechanics and have had excellent results. We get better prices and they are very candid about when and what should be repaired in our vehicles. They don’t urge repairs just so they can make more $$$ and can easily explain what they recommend, the time frame...
by dm200
Wed Jun 20, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: Senior discounts to look out for
Replies: 12
Views: 1251

Re: Senior discounts to look out for

I often forget that I'm over 60 now, so I don't always think to check on discounts. I found out by accident that the trash hauler has 50% off for 60+. I could have got in on that earlier. What other common ones to investigate have you run into? Our local jurisdiction has (if over 55) discounted use...
by dm200
Wed Jun 20, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1019

Re: Cataract surgery - one or two?

Note that in LASIK surgery to correct vision (NOT CATARACTS) both eyes are routinely done at the same time. Drifting off topic: The New York Times had a hair-raising article recently about the frequency of serious side effects from Lasik surgery. I never considered lasik, because going without glas...
by dm200
Wed Jun 20, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 28
Views: 790

Re: How to evaluate charities to donate to?

I would be extra cautious about donating to "one time" types of charities that pop up after some sort of disaster.
by dm200
Wed Jun 20, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 100
Views: 7330

Re: How much (green) cash at home for emergency ?

I was in PAP Haiti during the big earthquake, so I've been in the disaster situation. It took $600 cash to get on a flight to DR, not exactly a bribe, but it felt that way. Without the cash we would have been there more than two days, but would have been fine. I keep a couple thousand in the safe o...
by dm200
Wed Jun 20, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1019

Re: Cataract surgery - one or two?

Kaiser did not my eyes, seperately. MD didn't want to do both at same time. I guess there is that MD opinion you had to deal with. No big deal to have them done a few weeks apart. Cost for me was $50 each eye. I am on Kaiser medicare advantage plan. I would recommend the surgery. I paid $2400 extra...
by dm200
Wed Jun 20, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 28
Views: 790

Re: How to evaluate charities to donate to?

Re: How to evaluate charities to donate to? Quote Post by Northster » Wed Jun 20, 2018 10:04 am Vanguard donor advised fund uses https://www.guidestar.org/search +1 I strongly advocate using Vanguard Charitable. To open a fund initially is $25K, and the smallest gift you can make is $500- ---but it...
by dm200
Wed Jun 20, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: thermostat a/c setting
Replies: 17
Views: 847

Re: thermostat a/c setting

I would be concerned about high humidity affecting things in the house. How high does the humidity get if the house is tight and you're gone 10-12 hours? Does it get up to more than 60%? For reference, most people seem to recommend a setback of 5-8 degrees in the summer. I doubt most houses are tha...
by dm200
Wed Jun 20, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1019

Re: Cataract surgery - one or two?

deja vu all over again https://www.bogleheads.org/forum/viewtopic.php?f=11&t=249967&p=3938475&hilit=cataracts#p3938475 ^ I completely forgot that the eye was completely covered for the first 24 hours. That would be a deal breaker for me. Mine weren't. I was able to uncover each as soon as I got hom...
by dm200
Wed Jun 20, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: thermostat a/c setting
Replies: 17
Views: 847

Re: thermostat a/c setting

As far as humidity - I believe some ac systems are better at controlling humidity than others. A house we rented many years ago (rambler style) in the summer had a temperature gap at about 6'. Above that level it was hot/humit and below was cooler. Then, when we turned the setting to fan all the tim...
by dm200
Wed Jun 20, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 31
Views: 1515

Re: Surprise - Costco sells - but does not install vehicle batteries

Battery change out is pretty easy if and only if a person has 1) the strength and agility to lift a 35-50 lb battery in and out of the engine bay and 2) the skill set to remove old battery safely, and insure the battery is installed securely and properly (including not shorting out the battery or o...
by dm200
Wed Jun 20, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 28
Views: 790

Re: How to evaluate charities to donate to?

As for giving anonymously, I have the same concerns. The only way I see is a Donor Advised Fund, where you get the deduction up front and then disperse the money as you wish. The Vanguard minimum is rather high, but Fidelity lets you start with as little as $5000. T here is an annual fee. With Fide...
by dm200
Wed Jun 20, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1019

Re: Cataract surgery - one or two?

Cannot cite anything - but there is some degree of risk just having any kind of surgery - so having one might entail lower risk. ??
by dm200
Wed Jun 20, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: thermostat a/c setting
Replies: 17
Views: 847

Re: thermostat a/c setting

I have a question about using a/c. On a normal day in June/July when temp is in mid 80s, is it ok to switch off the thermostat and leave to work to save cooling bill? Or should i be setting it to about 82 cool and leave so that the a/c does not have to work hard when I come back from work? I was to...
by dm200
Wed Jun 20, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1019

Re: Cataract surgery - one or two?

My father just had cataract surgery on his second eye last week. The dr recommended one at a time, but I don't know why. If you don't have to drive anywhere or do anything for a few days, I don't why you can't do both at once. I asked my surgeon about this when I had mine done a couple years ago. H...
by dm200
Wed Jun 20, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 28
Views: 790

Re: How to evaluate charities to donate to?

There are many national (and international) charities that are operated by faith based entities - but do not discriminate in the folks they aid/help.
by dm200
Wed Jun 20, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 31
Views: 1515

Surprise - Costco sells - but does not install vehicle batteries

Glad I checked before I went there - surprised that Costco does not install car batteries. :(
by dm200
Wed Jun 20, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Cataract surgery - one or two?
Replies: 31
Views: 1019

Cataract surgery - one or two?

Eventually, I will need cataract surgery - both eyes. As best I understand my Kaiser Medicare plan - it would cost twice as much to have the surgery on one eye at a time vs the (current Kaiser recommended) both eyes at once. All of the (not Kaiser) friends and acquaintences we know receotly have one...
by dm200
Wed Jun 20, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 28
Views: 790

Re: How to evaluate charities to donate to?

In our case, we support primarily entities we know personally. Perhaps there is a local "affiliate" of such charities you are considering? Be very, very wary of the intentional similar names of charities - you may donate to the wrong one. If you wish to make small/modest donations and do not want to...
by dm200
Wed Jun 20, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 114
Views: 5578

Re: gray hair

One thing I notice that has changed in recent years [do not know why] is that many older women tended to have "blue" hair - but have not noticed that in a few years.
by dm200
Wed Jun 20, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 100
Views: 7330

Re: How much (green) cash at home for emergency ?

In Florida, it's best to have 8 or 10 red (or yellow) five-gallon containers of fuel for your car at home. When times get tough, merely having lots of cash won't help in this department... The other thing I learned last year during Irma is that it is good to have a number of $1 and $5 bills for the...
by dm200
Tue Jun 19, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 100
Views: 7330

Re: How much (green) cash at home for emergency ?

Of course - the dilemma/tradeoff is that keeping the location of the stash secret from everyone means less possibility if it being stolen - but more possibility of it ever being found is if something happens to you.
by dm200
Tue Jun 19, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 100
Views: 7330

Re: How much (green) cash at home for emergency ?

Maybe I should keep some cash at home, but I don't, and I haven't for most of my adult life. I used to do some coin roll hunting and collect currency, but lost interest in it. Aside from the occasional cash paying customer, I don't handle any cash day to day and don't have a stash of it at home. If...
by dm200
Tue Jun 19, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 114
Views: 5578

Re: gray hair

Several women we know (in their 60s and 70s) who had dyed their hair for years, recently transitioned to the natural all gray.

I do not object to dyed hair - IF it is done well AND is done frequently enough to never show the gray as it grows out.
by dm200
Tue Jun 19, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 114
Views: 5578

Re: gray hair

What's Bogleheads perspective on gray hair? Do you care to hide it by coloring or don't bother? I am in the mid-40s, ignored it for the past 2,3 years for the additional work every month and also feared it might cause bald head. Now gray hair is spreading more rapidly, wife and kids are stressing t...
by dm200
Tue Jun 19, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 114
Views: 5578

Re: gray hair

Dr Richard Kimble (the fugitive) dyed his hair ;)
by dm200
Tue Jun 19, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 114
Views: 5578

Re: gray hair

Dr Richard Kimble (the fugitive) dyed his hair ;)
by dm200
Tue Jun 19, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9534

Re: Messy Divorce -- Forensic Accounting Help....

This law firm is heavily advertised in this area: https://cordellcordell.com/
by dm200
Tue Jun 19, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: How to brokered CDs differ?
Replies: 9
Views: 774

Re: How to brokered CDs differ?

I see the main advantage of brokered CDs as convenience and the main disadvantage that withdrawing the money early to reinvest in another CD in the case that interest rates go up does not work with brokered CDs (since that price you can get on the secondary market goes down as interest rates go up)...
by dm200
Tue Jun 19, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 100
Views: 7330

Re: How much (green) cash at home for emergency ?

After reading some of these posts, I am now thinking of increasing my "stash". Probably in fireproof and locked "safe" at home - as well as some in my wallet. Maybe a hundred or so in dollar coins. As far as "risks" of being accused of something improper or illegal: [My opinions] 1. The various thre...
by dm200
Tue Jun 19, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 39
Views: 2437

Re: "distilled" water for wife's CPAP machine

HIinvestor wrote:
Mon Jun 18, 2018 10:49 pm
Wow, the price of the little bottles of distilled water are EACH several times the price of a gallon! What a ripoff! You could just buy a new gallon bottle each week for the less than the price of those small 11-12 oz bottles—wow!
She buys gallon containers of distilled water now.
by dm200
Tue Jun 19, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 100
Views: 7330

Re: How much (green) cash at home for emergency ?

Just as a counter point. The BofA ATM's around here run out of cash every Friday thru about Mid Saturday. I assume that this is because of the reduced bank hours, and the desire to have cash for the weekend. I don't go to an ATM to withdraw often, but the line is noticeable on every weekend. Yes - ...
by dm200
Mon Jun 18, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5050

Re: Rowing machine motivation

No expertise myself - but from credible things I read - to maximize performance in running - you need to do almost all training/preparation running.
by dm200
Mon Jun 18, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 84
Views: 4376

Re: How much car to buy reasonably?

Hi there, I am looking to buy a daily car for commute and fun. I am planning to buy used/certified vehicle in order to avoid the huge initial depreciation. My salary range is: $175k annually and net worth at about ~$2.x millions. Only debt I have is mortgage $312k. House is worth $850k. Monthly pay...
by dm200
Mon Jun 18, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to brokered CDs differ?
Replies: 9
Views: 774

Re: How to brokered CDs differ?

michaeljc70 wrote:
Mon Jun 18, 2018 4:10 pm
Many of the brokered cds I come across can be called. I haven't seen that in bank CDs.
Bank or credit union direct CDs rarely can be called.

Most of the brokered CDs I see cannot be called - but some can. Look at the search criteris and details.