Search found 2169 matches

by 123
Mon Jul 24, 2017 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Is this a good deal for xfinity
Replies: 6
Views: 616

Re: Is this a good deal for xfinity

Our current xfinity promotion rate lasts for 24 months. When we got it I remember that there was a similar 12 month agreement available for a slightly different price. We went with the 24 month agreement because it was a better price lock deal since the rate will go up noticeably when the promotiona...
by 123
Sun Jul 23, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Treadmill Desk
Replies: 7
Views: 651

Re: Treadmill Desk

It seems a little awkward to strap something to the treadmill. Why not put some long legs on the desktop piece and slide it over your treadmill. You might have to use something like 2 x 4's.
by 123
Sun Jul 23, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: How do I get back to my asset allocation?
Replies: 9
Views: 840

Re: How do I get back to my asset allocation?

Another vote for you going to 50-50 and see how comfortable you are with that.
by 123
Sun Jul 23, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching major milestone, need cool-headed advice
Replies: 34
Views: 4672

Re: Approaching major milestone, need cool-headed advice

I would continue with the present job at least until you are vested in the pension with opportunity for medical coverage at 65. Since you are in a university environment is there any opportunity for a 3 month, 6 month, or 1 year leave of absence? A leave of absence may become more acceptable to your...
by 123
Sat Jul 22, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: locking in kids' health insurance status
Replies: 3
Views: 490

Re: locking in kids' health insurance status

I think concerns about the kids future ability to buy life insurance kind of pales in comparison to more current needs they undoubtedly have. That their current situation is difficult to deal with doesn't seem to be a reason to address issues so far down the road. Edited to add: It sounds like there...
by 123
Sat Jul 22, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: Do you find financial advisors to be all that bright?
Replies: 53
Views: 4373

Re: Do you find financial advisors to be all that bright?

Even if brightness matters for financial advisers/salespeople maybe they only need to be brighter then the current customer they're dealing with.
by 123
Sat Jul 22, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 101
Views: 4704

Re: Is Amazon Prime worth it?

I think it is worth it for me. I live in a rural area and shopping is limited. If I need a $5 or $10 or even $20 item, I'm not going to drive 25 miles or so to the nearest big box to get it. Amazon prices are good, not great. Delivery is great, not instant. Amazon prime works well for me and saves ...
by 123
Sat Jul 22, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 72
Views: 3020

Re: How much electricity are you using and how expensive it is?

If you have a digital electric meter (rotating numeric displays) instead of the older meter which displays dials you can learn a lot by just looking at the meter displays. If you have a digital electric meter your utility may also have some online displays for your account showing usage by hour. You...
by 123
Fri Jul 21, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 22
Views: 1137

Re: Alternatives to Sansa Clip+ MP3 Player

I'm a big fan of the Sansa Clip+ MP3 Player as well. I've had mine over 5 years and it works great. It just seems to be the perfect device for what it has to do. While I may migrate to the smartphone option when mine dies it's great to be able to download to it and just let it go on and on. No conce...
by 123
Fri Jul 21, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move my money or keep it where it is?
Replies: 4
Views: 802

Re: Should I move my money or keep it where it is?

I would suggest you do everything possible to avoid having "orphan" accounts that don't serve a distinct long term purpose. Over time the amount in orphan accounts generally becomes comparatively smaller and your motivation to do something about them weakens. I'd consolidate it to TSM at V...
by 123
Fri Jul 21, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: car rental at OGG, any opinions?
Replies: 30
Views: 1459

Re: car rental at OGG, any opinions?

I generally find that Hertz is about the best everywhere I rent in terms of service and vehicle condition but I did have to wait awhile for a vehicle when I last rented at OGG (Maui, Hawaii). I just think it's the nature of that location, a prime tourist area and pretty much everyone that wants to r...
by 123
Fri Jul 21, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about buying a house in South Bay Area...
Replies: 33
Views: 2497

Re: Thinking about buying a house in South Bay Area...

For readers from other areas I believe the OP is referring to the greater San Jose, California area as the South Bay Area.
by 123
Thu Jul 20, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra Benefits question
Replies: 6
Views: 452

Re: Cobra Benefits question

Since he would be paying the entire premium he should be aware that the premium for a small employer plan will often be higher then a plan for a megacorp employer. Both will be high.
by 123
Thu Jul 20, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: SAT scores - whats the point??
Replies: 37
Views: 1733

Re: SAT scores - whats the point??

Colleges have more applicants then capacity so they use an application process, which may include SAT scores, to find the most academically "worthy" by their criteria. If they just sold admission spots to the highest bidder they would, over time, lose their academic desirability since econ...
by 123
Wed Jul 19, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Student/Secured Credit Card
Replies: 4
Views: 245

Re: Student/Secured Credit Card

Sad to say but my best experience with any company's customer service is to avoid them. Find a pdf, print it, fill it out and mail it in for any account you need. Talking seems to lead to problems.
by 123
Tue Jul 18, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Mackinaw City/St Ignace MI bike trail suggestions
Replies: 3
Views: 256

Re: Mackinaw City/St Ignace MI bike trail suggestions

How about hopping on a ferry out to Mackinac Island and riding around the island? There's a perimeter bike path around the island.
by 123
Tue Jul 18, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Eliminate 0% CC balance?
Replies: 30
Views: 2140

Re: Eliminate 0% CC balance?

Mentally, it's bothering me to have the debt... Anything that causes you aggravation, worry, or annoyance in your life is worth addressing for the cost/benefit of eliminating it. If you have available resource to pay it off I would pay it off and just be done with it. There are many of these "...
by 123
Tue Jul 18, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: $100K+ increase in salary- Need help with investments
Replies: 16
Views: 3130

Re: $100K+ increase in salary- Need help with investments

How much time do you plan to set aside to re-balance your current account portfolios? Looks very tedious to me. I would consider all your accounts as one portfolio and have the small accounts include a single holding and then use the larger account(s) for re-balancing. The 3 fund portfolio is a winn...
by 123
Tue Jul 18, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Company Car Questions
Replies: 3
Views: 421

Re: Company Car Questions

If you've got room to park two cars why not keep your present car for personal travel and use the business car for business? No need to get ride of your personal car immediately. If you use the business car exclusively for business it should be of no net tax consequence to you. Employees that get a ...
by 123
Tue Jul 18, 2017 12:50 am
Forum: Personal Consumer Issues
Topic: Dilemma about car dealership service bill error
Replies: 29
Views: 2276

Re: Dilemma about car dealership service bill error

I would not rush in to pay. If they call again I might not answer. If they sent an invoice/letter I would probably pay them. Edited to add: You might want to look over the language on the initial billing/invoice you got to see what if says anything about it being "final". If they listed an...
by 123
Mon Jul 17, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Having flowers delivered
Replies: 13
Views: 921

Re: Having flowers delivered

In some areas you may not be able to get delivery on a Sunday from some flower shops. If you must pick another day favor an earlier day. An actual local shop is better then a web flower service. A local shop will be able to deliver flowers in a vase whereas a web flower service may deliver flowers i...
by 123
Mon Jul 17, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 67
Views: 2911

Re: Essential Bike (bicycle) Accessories

One thing you probably don't need is a bike app for your phone (others will likely disagree). When I got a new bike I decided not to get a cyclometer and to just use a bicycle app on my phone for distance, speed, etc. While a mapping feature is nice I don't bike anywhere that I don't already know. I...
by 123
Mon Jul 17, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with company stock plan?
Replies: 17
Views: 489

Re: What to do with company stock plan?

... 1) Buy and sell the stock immediately to guarantee essentially a 2% additional income annually (maximum). The chances of this being a workable option might be slim. Sometimes these stock purchase plans use an average price over a single day or over a number of days/weeks to price the stock and ...
by 123
Sun Jul 16, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: kitchen appliance recommendations, esp refrigerator
Replies: 32
Views: 1924

Re: kitchen appliance recommendations, esp refrigerator

About 7 years ago we bought a counter-dept refrigerator from Sears (Kenmore Elite). It was a Whirlpool underneath. We have had no problems with it. We had to get a counter-depth due to our kitchen configuration, regular size would stick out too far. In shopping for counter-dept refrigerators you wil...
by 123
Sun Jul 16, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: 18 year old first credit card recommendations
Replies: 44
Views: 2183

Re: 18 year old first credit card recommendations

Four years ago one son started with a credit card in college from the same bank that he had a savings and checking accounts with that started in high school. Initially got a credit limit of something like $700 and now it's up to something like $2000. Most months the amounts that have been charged ha...
by 123
Sun Jul 16, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Time replace washer and dryer [back of dryer so hot it burnt me]?
Replies: 21
Views: 1443

Re: Time replace washer and dryer [back of dryer so hot it burnt me]?

Have you checked for an accumulation of lint INSIDE the dryer, between the easily accessed lint filter and the exhaust output? There are youtube videos on how to open up the dryer. On mine I just popped off the front panel below the front door of the dryer. There can be a tremendous amount of lint t...
by 123
Sat Jul 15, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: What is a typical (ballpark) AA for age 65?
Replies: 25
Views: 1955

Re: What is a typical (ballpark) AA for age 65?

If retired at age 65 then 50/50 stocks/bond.

If still working beyond age 65 then could go up to 60/40 stocks/bonds.

But that's just my opinion.
by 123
Fri Jul 14, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Estate planning to avoid probate
Replies: 16
Views: 1564

Re: Estate planning to avoid probate

Use POD on accounts and establishing beneficiaries for accounts seems to possibly work okay if there are a small number of beneficiaries, like 2 or 3. If there are a large number of beneficiaries, or beneficiaries are of multiple generations, or based on the family ages new beneficiaries (children) ...
by 123
Fri Jul 14, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: DirectTV Install
Replies: 14
Views: 947

Re: DirectTV Install

Do you have nearby neighbors with satellite TV service? You just might want to look and see how the dishes were installed on their houses since it's quite possible that your will be done in a similar fashion. If the houses are very similar, like in a tract, the installer will probably just copy what...
by 123
Fri Jul 14, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Suing soon to be former employer, do I have a case?
Replies: 17
Views: 1913

Re: Suing soon to be former employer, do I have a case?

Labor regulations vary significantly by state, what state is your current job in?
by 123
Thu Jul 13, 2017 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Rent, buy, live at home?
Replies: 7
Views: 823

Re: Rent, buy, live at home?

Many people that need private space on short notice use motels and hotels. With a little more advance planning Airbnb could be useful.
by 123
Thu Jul 13, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Worker's compensation insurance
Replies: 10
Views: 632

Re: Worker's compensation insurance

You may want to ask your homeowner's insurance agent to what extent your policy would protect you if there is an unfortunate occurrence. The fact that an injury occurs will someone is working does not mean that the injured worker is precluded from filing legal claims against others.
by 123
Thu Jul 13, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: depleting accounts in retirement
Replies: 27
Views: 4798

Re: depleting accounts in retirement

It would depend on the relative balances of each account and your long-term tax situation. The mix should be based on attempting to minimize your tax obligations over a number of years. The solution may involving taking tax-deferred funds earlier to reduce RMDs down the road. I feel that leaving the...
by 123
Thu Jul 13, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: XX fund portfolio
Replies: 3
Views: 319

Re: XX fund portfolio

Each of your accounts does not have to contain each of the components of a 3 fund solution if that's the way you're going. Depending on the relative size of your accounts you could put all domestic equity mutual funds and individual stocks on one side and international equity and bonds on the other....
by 123
Thu Jul 13, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Hiding the TV
Replies: 13
Views: 1742

Re: Hiding the TV

Paint the wall behind it black to match the TV when its off. It will be unobtrusive. Edited to add: Or you could mount it on the wall and put drapery rods above it and have drapes close in front of it (old movie theater style). Depending on the room arrangement you may want to have wide long drapes ...
by 123
Thu Jul 13, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6180

Re: Cheap eggs... how bad?

barnaclebob wrote:...Are you afraid that the chickens ate :gasp: worms and bugs!??? That's just terrible. ...


Worms and bugs are healthy as far as I'm concerned. The thing that bothers me is when they pick and poke at the non-egg output from other chickens.
by 123
Thu Jul 13, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6180

Re: Cheap eggs... how bad?

I just buy regular eggs for 99 cents or $1.49 a dozen at Walgreens or Smart & Final. I suppose they are loss leaders to get people in the store, it works on me. I shudder when I look at the price of eggs in local Whole Foods store, often $4+ to $9+ a dozen, at those prices they must have had to ...
by 123
Thu Jul 13, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Do you pay fees to buy funds or ETFs?
Replies: 46
Views: 2643

Re: Do you pay fees to buy funds or ETFs?

We pay fees to buy ETFs at Schwab and Fideltiy for various accounts. We spend less then $100 a year, and sometimes nothing in a year, on trading commissions. Since we pretty much buy and hold with infrequent adjustments the trading fees are inconsequential based on the account size. We like the Vang...
by 123
Thu Jul 13, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Property With Two Houses / Capital Gains
Replies: 10
Views: 546

Re: Selling Property With Two Houses / Capital Gains

If the two houses are on 1 parcel of property (one deed) I would guess that you calculate your capital gain on the entire single property. In connection with calculating that capital gain you would recapture any depreciation you took on the unit that was rented. I am not an accountant, I am not a CP...
by 123
Thu Jul 13, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 for house sale-mine but parent lived there for free
Replies: 1
Views: 209

Re: 1099 for house sale-mine but parent lived there for free

Since the property did not meet the requirements of being your personal residence you will have a capital gain representing the difference between the sale price ($150,000) and the purchase price ($100) or a capital gain of $149,900. If your parents filed a tax return which included the sale or a gi...
by 123
Thu Jul 13, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Selling a Legacy treasury direct bond
Replies: 3
Views: 219

Re: Selling a Legacy treasury direct bond

You might want to consider what brokerage firms give sign-up bonuses, it varies from time to time. On a $1.5M the potential bonus for example Scottrade has a bonus of $2,500. Bonuses often require that you leave the assets with the firm for 12 months, it varies by firm. Bonuses seem to be the most p...
by 123
Thu Jul 13, 2017 12:55 am
Forum: Personal Consumer Issues
Topic: Passport Dining Card [Restaurant Card]
Replies: 2
Views: 357

Re: Passport Dining Card [Restaurant Card]

A couple of things. Are the included restaurants the kind you are likely to go to anyway? If they are more high end then you normally go to you may be spending more then you originally anticipated, even with discounts. Are there any restrictions on the use of the 2 for 1 deals? Do they only apply at...
by 123
Thu Jul 13, 2017 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 178
Views: 7035

Re: Do you count vehicle equity in net worth?

If I had a Rolls or Bentley I might count it. But my Kia, I don't think so.
by 123
Thu Jul 13, 2017 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Transferring an IRA
Replies: 4
Views: 359

Re: Transferring an IRA

If the funds are held within a traditional IRA account there is no tax consequence to selling funds within the account. In a traditional IRA the only time that taxation occurs is when funds are withdrawn from the traditional IRA account. A direct transfer to another traditional IRA custodian is not ...
by 123
Wed Jul 12, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Designating specific assets for contingencies
Replies: 12
Views: 582

Re: Designating specific assets for contingencies

There is some risk of making things overly complex if you actually want to establish investment buckets (probably separate accounts) for too many different purposes. I'm sure financial advisers would love to do it because it adds another layer of complexity that makes it seem like they are doing mor...
by 123
Wed Jul 12, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 6636

Re: Do you consider business travel to be a perk or a burden?

Rupert wrote:I really enjoyed business travel when I was young and childless. When you have a family, it's a burden.

+1
by 123
Wed Jul 12, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 6452

Re: Personal loan to a family member

I would not throw them out of the house... If you would not throw them out of the house for non-payment why would they pay you anything back? If a bank gave someone similar terms its likely most people would not pay the bank. Eviction/foreclosure is the only control on repayment that has been estab...
by 123
Wed Jul 12, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 6452

Re: Personal loan to a family member

The only way to ensure that you are paid first before any other lien holders is for you to be the primary lender for the property. This would likely involve a refinance where all existing loans are paid off as you front the money for the refinancing mortgage. As the first mortgage holder you don't h...
by 123
Tue Jul 11, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: What to do about unresponsive attorney holding retainer
Replies: 17
Views: 1932

Re: What to do about unresponsive attorney holding retainer

She should sent a written follow-up request to the attorney and say that if she does not receive a response/resolution in 5 business days she is contacting the state bar association for assistance.
by 123
Tue Jul 11, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 4882

Re: $1368 for new shocks/struts on '05 Corolla?

Hi All, I was told that my shocks/struts are worn after 131k miles on my 05 Toyota Corolla. In this situation I'd get a 2nd opinion. I'm curious.... what made you say that? 12-13 year old car with 131K miles on (potentially) original shocks is well beyond said parts life expectancy. My experience h...

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