Search found 3618 matches

by 123
Mon Sep 24, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 64
Views: 4563

Re: Best way to get $100k cash

... is there any way to get - $100k from like credit card cash advance or some other way - with 0 (or low) fees - with a year of 0% APR. I can pay it off before the 1 year deadline when the 0% APR ends... Have you asked your parents if you can borrow the money from them? That where most kids go whe...
by 123
Sun Sep 23, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Mom needs hip revision: how can I fight on her behalf?
Replies: 22
Views: 1751

Re: Mom needs hip revision: how can I fight on her behalf?

Depending on where she lives it might be a good option to explore evaluation and treatment at a nearby medical school, often closely associated with a large hospital. Her physician may be able to provide guidance. While major clinics can provide a 1 stop solution for a possible remedy often times a ...
by 123
Sat Sep 22, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Can salt water kill weeds permanently?
Replies: 18
Views: 2763

Re: Can salt water kill weeds permanently?

If the weeds are coming through the tarp material maybe it's time for a project to move the gravel around and replace that tarp layer. Even if the tarp is pretty much okay you can see get weeds that take root in gravel as it deteoriates along with the plant material and various kinds of dirt that bl...
by 123
Sat Sep 22, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: New Type of Home "Loan"
Replies: 9
Views: 986

Re: New Type of Home "Loan"

If they want to share in the proceeds of the property sale perhaps they need to sweeten their deal and pay a proportionate share of property taxes, property insurance, and maintenance/improvement expenses along the way.
by 123
Fri Sep 21, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA salary reduction for wages earned prior to the plan effective date
Replies: 23
Views: 1041

Re: SIMPLE IRA salary reduction for wages earned prior to the plan effective date

You may need to comply with all the applicable state regulations regarding payment of wages to employees. These vary by state. California and New York can particularly stringent concerning their regulations.
by 123
Fri Sep 21, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 10977

Re: True cost of a [dental] implant

Noticed this thread and was amazed at the prices quoted. My co-worker was at the dentist today - and he only paid the following with the mega corp's major dental plan: $75 - tooth extraction (charged today, and his tooth is now gone) $600 - implant (will be done 3 months later) I find this to be un...
by 123
Thu Sep 20, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: Rear ended - Take the Cash?
Replies: 18
Views: 1747

Re: Rear ended - Take the Cash?

Yeah, a bent subframe can be tough on tires.
by 123
Thu Sep 20, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1574

Re: Thinking of selling my car

I agree that you should "try out" your new job and location for at least 2 or 3 months before you decide to sell the car. That being said another thing to consider is whether the absence of a car would allow you to rent out your parking space to someone else. If landlord doesn't allow renting of par...
by 123
Thu Sep 20, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Rear ended - Take the Cash?
Replies: 18
Views: 1747

Re: Rear ended - Take the Cash?

Sometimes when you are offered a settlement it makes a difference if they are "Totaling" you car and you are buying it back from them for your own use. If they are "Totaling" your car the end result is that your vehicle will have a "Salvage" title (at least if it's registered in California). If you ...
by 123
Thu Sep 20, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Another Wifi extender thread
Replies: 35
Views: 2292

Re: Another Wifi extender thread

What brand and model of wireless router are you currently using? We recently replaced a single band router that we had for around 10 years with a dual band. It had many more features than the old router, cost under $100. The bands seem to have different features of speed versus distance so dual band...
by 123
Thu Sep 20, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Housing co-op seeking to accept electronic payments
Replies: 8
Views: 515

Re: Housing co-op seeking to accept electronic payments

You should first contact the financial organization that your co-op uses for deposit and checking services and ask them if they can provide the service. If they cannot provide the service and the members of the co-op want the service then you should contact other financial organizations (banks, etc)...
by 123
Thu Sep 20, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Universal Life article in WSJ 9/20/18
Replies: 14
Views: 1512

Re: Universal Life article in WSJ 9/20/18

My great suspicion is that the rates charged for the yearly term premium were probably inflated as well. I have seen this in my Northwestern Mutual term policies that I plan to let lapse shortly. The rate charged on them is more than double what I think they ought to cost actuarily. +1 For a regula...
by 123
Thu Sep 20, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Universal Life article in WSJ 9/20/18
Replies: 14
Views: 1512

Re: Universal Life article in WSJ 9/20/18

What I don't quite understand from the article is what was the contemplated "exit" from this insurance-investment hybrid. ... That's the marvelous thing about universal life insurance from the perspective of the insurance company, you keep paying higher and higher rates for the 1 year renewable ter...
by 123
Thu Sep 20, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 136
Views: 7669

Re: Physical Banking - Any benefits anymore?

Some times you need new clean money (bills) for gift giving. This is particularly important in a lot of Asian cultures. To add a little more culture to the mix there is a preference in many Asian cultures for bills with serial numbers with (lucky) 8's (the more 8's the more good luck) and without (b...
by 123
Thu Sep 20, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 2947

Re: Simple-minded sayings?

Buy low, sell high.
by 123
Thu Sep 20, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2763

Re: Moving to Dallas, how to establish residency

Trade in your car for a truck and license it in Texas.

Isn't it a law in Texas that you have to have a rifle rack mounted in front of your vehicle rear window?
by 123
Thu Sep 20, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Universal Life article in WSJ 9/20/18
Replies: 14
Views: 1512

Re: Universal Life article in WSJ 9/20/18

The article clarifies the mechanics of the life insurance component of typical universal life policies. Tpically the universal life policy holder ends up with 1 year term insurance which renews annually. The cost of the term insurance is low in the initial years of the policy but increases throughou...
by 123
Thu Sep 20, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: social security disability
Replies: 13
Views: 1116

Re: social security disability

From my perspective an attorney may be of little value in persuing a social security disability claim until the claim has been denied at both the initial claim and reconsideration appeal stages. An attorney could be of value at the 3rd stage, where the claimant makes an appearance before an administ...
by 123
Wed Sep 19, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: Do Postal Regulations Allow Me to Learn the Identity of the Holder of a POB?
Replies: 6
Views: 980

Re: Do Postal Regulations Allow Me to Learn the Identity of the Holder of a POB?

You could just hang out judiciously in the POB lobby (various times) and see who collects mail from the box. Or maybe send a check payable to cash to the POB address and see who cashes it.
by 123
Wed Sep 19, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: What is the risk in buying Purchased Money Funds?
Replies: 4
Views: 418

Re: What is the risk in buying Purchased Money Funds?

While I think purchased money funds are safe and use them at Schwab and Fidelity for higher yields others can feel differently. An alternative would be to buy 4 week Treasury bills and purchase new ones as they mature. Fidelity makes automatic reinvestment of maturing Treasury bills easy.
by 123
Wed Sep 19, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: Convince a friend to go Boglehead
Replies: 17
Views: 989

Re: Convince a friend to go Boglehead

All you can do is plant a seed for the friend to think about. If you make it an argument or a battle it puts your friendship at risk. People like to handle their money their own way.
by 123
Tue Sep 18, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: $4900.00 INHERITED IRA
Replies: 9
Views: 886

Re: $4900.00 INHERITED IRA

In many cases the CDs that are held in IRAs, incluidng brokerage IRAs) have provisions that they can be liquided without penalty upon the death of the account holder (prior to their normal maturity). You may want to check with Schwab and see if that provision applies to the CDs in the account. In mo...
by 123
Tue Sep 18, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 42
Views: 3299

Re: Dental work and hypertension issue

I don't have an answer for you. I've used a dental school in the past and been very satisfied with the results. I don't recall that I was ever specifically screened for blood pressure issues by the dental school but maybe they have other indicators that triggee when they do it (i.e. patient's age). ...
by 123
Tue Sep 18, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Coverdell ESA Asset Allocation
Replies: 8
Views: 590

Re: Coverdell ESA Asset Allocation

...It's not necessary for each account to have it's own AA and glide path :happy +1 If everyone appreciated this it would make investing a whole lot easier for them. The key concept is that you have one portfolio (all the assets together). Sometime it takes a little thinking to identify what the sc...
by 123
Tue Sep 18, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1492

Re: Inexpensive source for greeting cards?

As others have said the $1 cards are often at CVS and Walgreens. Perfectly fine to use. When you see them have a fresh supply stock up. Usually they are the first ones sold out for holidays like Easter etc. so look for them early. If you send cards to people who don't know/see each other you can sto...
by 123
Tue Sep 18, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: "Taking" RMDs
Replies: 18
Views: 1631

Re: "Taking" RMDs

The RMD requirement is only that money be removed/withdrawn/distributed from the accoun. That distribution is taxable. Spouse has an inherited IRA that, of course, has RMDS. It's all invested in Vanguard Total Market Fund at Vanguard with their automatic RMD service. So once a year they determine th...
by 123
Tue Sep 18, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Nytimes.com subscription price testing?
Replies: 9
Views: 790

Re: Nytimes.com subscription price testing?

You can gain access to nytimes articles simply by clearing your browsing history after about 5 articles, or using a privacy mode on browser. It is a bit of a pain. +1 I do this on a number of sites and it often does the job very well. But there are some sites where I can enjoy spending a considerab...
by 123
Tue Sep 18, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Nytimes.com subscription price testing?
Replies: 9
Views: 790

Nytimes.com subscription price testing?

Late last night as I was browsing the news at https://www.nytimes.com/ I happened to click on the subscribe link, as I often do, to see their current pricing. I was surpised to see a rate of $1 a week for a year for a basic online subscription ($4 every 4 weeks for a year, then up to the regular rat...
by 123
Mon Sep 17, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Trust Management
Replies: 2
Views: 286

Re: Help with Trust Management

Just an initial side comment. I suspect that the Wells Fargo financial adviser will not be too keen on having the assets at Comerica because he likely can't get easy "credit" (whatever that may mean) for managing them with his employer (Wells Fargo). I would suspect that before the move to Comerica ...
by 123
Mon Sep 17, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: retroactive change to State Retirement plan illegal?
Replies: 17
Views: 1951

Re: retroactive change to State Retirement plan illegal?

Are you in a bargaining unit/position that is represented by a union? There is strength in numbers. If you are represented by a union I would raise the issue through them since others could be impacted as well. When a union is involved it's called "bargaining" because both sides have skin in the gam...
by 123
Mon Sep 17, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as saving TOO much?
Replies: 78
Views: 6755

Re: Is there such thing as saving TOO much?

Before I met my spouse and bought a house I think I was saving too much as well. I had no debts, paid cash for cars and vacations, and the most of the checks I wrote (pre-internet) were to different mutual funds (before I consolidated at a brokerage). After I met my spouse things sort of changed. A ...
by 123
Sun Sep 16, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 2881

Re: Experiences downsizing to single car

How frequent are your "periodic meetings"? If they are only once or twice a month you might consider a car rental for a day if there is a car rental agency near you (non-airport locations are usually a lot cheaper). Does you spouse have any flexibility in scheduling her days off, can they happen on ...
by 123
Sun Sep 16, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Finding an investment for soon-to-be-received large sum
Replies: 10
Views: 1108

Re: Finding an investment for soon-to-be-received large sum

... But it does need to be passive; we don't have the ability to manage rentals, or whatnot.... If the investment needs to be passive I'd say that the proceeds need to be divided up and let each "partner" go his/her own way. Letting each partner go their own way also gets you "off the hooK' for the...
by 123
Sun Sep 16, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 65
Views: 3980

Re: WSJ print edition renwal time - any discounts?

You can support a local school, or one you may have attended years ago, by subscribing to the WSJ (print & digital) for $198 (305 issues) at https://gaschoolstore.com/ You can usually find a participating school group by putting in the name of a city in the school name and city fields and then addi...
by 123
Sat Sep 15, 2018 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Considering an HSA with a baby on the way - good idea or bad?
Replies: 9
Views: 747

Re: Considering an HSA with a baby on the way - good idea or bad?

I would be reluctant to select an HDHP/HSA if I were expecting a baby. While well baby and immunizations should be covered there are so many other circumstances that can arise for a new parent (and child) that I wouldn't want the distraction of an HDHP/HSA in considering care options for a child. Af...
by 123
Sat Sep 15, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 152
Views: 11205

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Your post is silent about whether you have considered or explored alternate positions/departments with your current employer. Is that a possibility? Sometimes employers will discern that they are at risk of losing an employee when they explore other options with the current employer because it sugge...
by 123
Sat Sep 15, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5126

Re: 38% pay cut for dream job?

If it's a dream job and situation for you and your spouse you should take it. Financial issues have to be secondary to day-to-day satisfaction in your career and life. Other's "make do" in your situation regarding periodic respites in the DC area and you can as well. I wouldn't worry about being "ol...
by 123
Fri Sep 14, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Living trusts and relabeling accounts
Replies: 33
Views: 2371

Re: Living trusts and relabeling accounts

I’d go back to you attorney and find out exactly what you need to do. +1 See an attorney. You can make a trust the beneficiary of an IRA but it may not be advisable because of the potential tax advantages direct beneficaries may receive. With regard to other assets in your name careful thought, and...
by 123
Fri Sep 14, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 362
Views: 47042

Re: MoviePass-Too good to be true, but it's legit.

It is with deep sadness that I decided to cancel my MoviePass subscription. We had some really great times over the year we were together. Mostly ready to go at any theater at any time. Spur of the moment was fine. But there was too much turmoil in our relationship the last 2 months. MoviePass got t...
by 123
Fri Sep 14, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: New Light bulbs
Replies: 19
Views: 1755

Re: New Light bulbs

We have a traditional styled home so we try to get the 2700 color temperature bulbs where we can. We have a couple rooms (baths and dining room) that originally had recessed halogen bulbs, we replaced those a couple of years ago with some Phillips LEDs. When we switched from halogen to LED our dimme...
by 123
Thu Sep 13, 2018 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Large Sum of Cash in VUSXX @ Etrade
Replies: 7
Views: 624

Re: Investing Large Sum of Cash in VUSXX @ Etrade

Since it's a money market fund they strive to maintain the share price at $1.00. You don't(hopefully) have the duration issue present in bond funds.
by 123
Thu Sep 13, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to set up my own Will
Replies: 5
Views: 492

Re: How to set up my own Will

Would a simpler workaround be to transfer the accounts in question to custodians that will work with your international beneficiaries? Even with an attorney preparing a legal will, you might prefer to keep the assets out of probate. +1 This might be your easiest and most cost-effective solution. ed...
by 123
Thu Sep 13, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 65
Views: 3980

Re: WSJ print edition renwal time - any discounts?

You can support a local school, or one you may have attended years ago, by subscribing to the WSJ (print & digital) for $198 (305 issues) at https://gaschoolstore.com/ You can usually find a participating school group by putting in the name of a city in the school name and city fields and then addin...
by 123
Wed Sep 12, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3394

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

When landfills are full in some areas there is practice is to "cap" them with large mounds of dirt along with the installation of a methane exhaust pipe system. I've seen this happen a couple of times in Southern California. The one's I'm familiar with were pretty unobtrusive when they were in opera...
by 123
Wed Sep 12, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's Roth @ a Financial Advisor
Replies: 33
Views: 1750

Re: Wife's Roth @ a Financial Advisor

You may get some significant push-back from your spouse if you try to do anything with her Roth account. Since the parents funded the account they likley also opened it and may have choosen a financial adviser who manages their other accounts (this would account for your spouse never having met the ...
by 123
Wed Sep 12, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: 4% 60 month at Fahey Bank - nationwide BUT heavy EWP
Replies: 6
Views: 1018

Re: 4% 60 month at Fahey Bank - nationwide BUT heavy EWP

Actually a EWP of all interest might not be too bad in many circumstances (particularly if you take advantage of it in the first 12 months). Many other banks will invade your principal to extract their EWP if necessary.

Maybe Fahey Bank is a bank with a conscience (however small it might be).
by 123
Wed Sep 12, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2728

Re: Picking a Charity

Assuming you're a resident of the United States we'd all appreciate any help you can give.

How about a donation to reduce the Public Dept of the United States? https://www.treasurydirect.gov/govt/res ... ebtFinance

We will all be grateful.
by 123
Wed Sep 12, 2018 12:48 am
Forum: Personal Finance (Not Investing)
Topic: dumb dentist question - canceling whole life insurance
Replies: 19
Views: 1883

Re: dumb dentist question - canceling whole life insurance

If the period for which you paid the initial policy premium has not yet expired you can contact the insurance company and cancel the policy. Canceling the poiicy probably has to be in writing. If you cancel the policy there can be a partial refund of premium depending on how much of the premium peri...
by 123
Tue Sep 11, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Critical Account
Replies: 20
Views: 2445

Re: Critical Account

Why not put the money you think she needs immediately in a joint account (you and her) and put it wherever you feel is best. Joint account owners still have access to the account if one person passes away in most circumstances. The way you're doing it now could make it difficult for you to get your ...
by 123
Tue Sep 11, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: 401k money missing
Replies: 40
Views: 5393

Re: 401k money missing

You should ask your supervisor when your payroll deductions for 401K contributions will show up in your 401k account. If this is a small company I would immediately start looking for alternate employment as a contingency. If the response from your supervisor is not satisfactory you should contact yo...