Search found 1752 matches

by 123
Fri Jan 20, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Medical Charges vs Contract Price - Non Covered Work
Replies: 7
Views: 362

Re: Medical Charges vs Contract Price - Non Covered Work

There will usually be a number of "routine well-baby care of a newborn infant" visits in the early months. Doctor visits are a normal part of a child's life. If the out-of-pocket costs are too much of a burden you may want to adjust the insurance coverage. Depending on how old the child is...
by 123
Fri Jan 20, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is there anything else I can do? [to cut taxes]
Replies: 5
Views: 583

Re: Is there anything else I can do? [to cut taxes]

If you live in a state with a state income tax you could relocate to a state that doesn't have one. However, you have to consider the whole range of taxes that could be payable, property tax, sales tax, etc to decide if it's actually a savings. If you have investments you could evaluate to what exte...
by 123
Fri Jan 20, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: 0.00% Fees?
Replies: 4
Views: 740

Re: 0.00% Fees?

Prior thread: viewtopic.php?t=106934

It seems that Collective Investments Trusts in 457 plans can have very low expenses.
by 123
Thu Jan 19, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Possible reality check needed?
Replies: 13
Views: 795

Re: Possible reality check needed?

Thank you for your service to our country.

You are in the most enjoyable years of your life. You will always remember them. Enjoy them while you can.
by 123
Thu Jan 19, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Retiring soon - health insurance planning Cal-COBRA
Replies: 4
Views: 439

Re: Retiring soon - health insurance planning Cal-COBRA

Cal-COBRA is for California residents. It is for months 19 -36 following COBRA (months 1 - 18). Since Cal-COBRA has a connection to the last employer the rates pretty much follow the prior COBRA rates, except for whatever adjustments the employer may have made along the way due to contract revisions...
by 123
Thu Jan 19, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: Medical Billing Disagreement - Stark Law
Replies: 55
Views: 2781

Re: Medical Billing Disagreement - Stark Law

It's not uncommon to go in for an office visit with a physician and have additional procedures done. I'd think the most common ones are vaccinations and surgeries (of various kinds). With regard to warts I've had the exact same situation, go in for an office visit for the doctor to treat a wart. The...
by 123
Thu Jan 19, 2017 1:44 am
Forum: Investing - Help with Personal Investments
Topic: Mother handing over investments to me, not sure which route to go
Replies: 12
Views: 1409

Re: Mother handing over investments to me, not sure which route to go

One elderly relative I assist with is age 85+ with a portfolio of over $500,000. She grew up during the depression, never invested in stocks, and is very risk adverse. Her entire portfolio is in a mix of CDs. Her SSA and pension cover her monthly expenses. While undoubtedly some of her portfolio cou...
by 123
Thu Jan 19, 2017 1:05 am
Forum: Personal Consumer Issues
Topic: backyard - Accessory Dwelling Unit ...
Replies: 5
Views: 597

Re: backyard - Accessory Dwelling Unit ...

I had a neighbor in Southern California that wanted an "in-law" type unit in his back yard. Local zoning codes didn't allow a separate "house" on his lot in the city. However, he was able to get a building permit to build a "pool house" in a back corner of his back yard...
by 123
Thu Jan 19, 2017 12:52 am
Forum: Investing - Help with Personal Investments
Topic: Brokerage(s) with the best deals on fixed income investments?
Replies: 4
Views: 405

Re: Brokerage(s) with the best deals on fixed income investments?

I am involved with accounts for family members at Schwab and Fidelity and they seem pretty comparable, different issuers often but the new issue CD mix is very similar. Whenever I check CD's at Vanguard it seems like they have a broader mix of secondary CDs. Lately I've been very impressed with Vang...
by 123
Wed Jan 18, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Never had a credit card, should I get one?
Replies: 71
Views: 2418

Re: Never had a credit card, should I get one?

I paid cash for pretty much everything (except for gas and travel expenses) for many years. I decided I was losing out on some of the credit card rewards/bonus stuff so I gave up cash for the most part. I always pay the credit card bill in full every month. I now have a far better idea where the mon...
by 123
Wed Jan 18, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Would you switch investment advisor to save $3000+/yr?
Replies: 17
Views: 1610

Re: Would you switch investment advisor to save $3000+/yr?

Will your current adviser reduce fees by $3,000+/yr to match the competition?
by 123
Wed Jan 18, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Tips for cancelling cable
Replies: 16
Views: 1672

Re: Tips for cancelling cable

I think the best way to cancel cable would be to walk into one of their office's with all your equipment and be done with it. You have to return the equipment anyway so why not do it all at once? On the rare times that I've gone into my cable company's storefronts there are a number of people dong j...
by 123
Tue Jan 17, 2017 10:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's old "free" TurboTax. Was it really free?
Replies: 11
Views: 1379

Re: Vanguard's old "free" TurboTax. Was it really free?

There is always a chance it was a "free" promotion by Turbo Tax itself, just aimed at Vanguard customers who once they sampled the product would buy it on their own in subsequent years. Just speculation.
by 123
Mon Jan 16, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: How best to proceed with IRA with estate as beneficiary
Replies: 14
Views: 762

Re: How best to proceed with IRA with estate as beneficiary

There was at least one comment that questioned the action of the attorney involved when the estate was chosen as the beneficiary of the estate. In some jurisdictions the attorney's fee for probating estates is regulated by statute. In those jurisdictions the larger the "Estate" the larger ...
by 123
Mon Jan 16, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Rental car--new windshield crack
Replies: 14
Views: 1469

Re: Rental car--new windshield crack

I would call the car rental place and ask them how to proceed. In some states it can be illegal to operate a vehicle with a crack in the windshield (may depend on the location of the crack). You should be able to exchange the vehicle for a "good" one at their nearest location.
by 123
Sun Jan 15, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Buying out another person's interest in shared property
Replies: 5
Views: 371

Re: Buying out another person's interest in shared property

It can be as simple as a quitclaim deed though it can vary based on state law depending on where the property is in. This assumes there is no existing mortgage or loan on the property. If you get a loan to buy the property your dad gets his money from the lender and then it's between you and the len...
by 123
Sun Jan 15, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 39
Views: 2790

Re: Streaming TV for Elderly Parents

Just re-read your initial post. If they are getting cable (from Comcast) and dsl (from the phone company) separately they can probably get a cheaper one or two-year combination cable & internet service offer Comcast for much cheaper then they are currently paying for cable alone. The trick with ...
by 123
Sun Jan 15, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: locum work for docs, physician recruiters and so on - advice?
Replies: 16
Views: 1156

Re: locum work for docs, physician recruiters and so on - advice?

Physician jobs with US government and various agencies are available at usajobs.com, just use "physician" in search.
by 123
Sun Jan 15, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 39
Views: 2790

Re: Streaming TV for Elderly Parents

We have a relative in assisted living and found out that recently the facility decided to provide cable tv in each room as part of the basic monthly service plan. I think they decided it was easier to provide a standardized cable service to everyone then it was to have their staff have to deal with ...
by 123
Sun Jan 15, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Streaming TV for Elderly Parents
Replies: 39
Views: 2790

Re: Streaming TV for Elderly Parents

We have a C-Span viewer in the household and cannot cut the cord. I haven't found a streaming option that includes C-Span so our options are limited to Comcast(cable) or satellite. When I last checked cable was necessary if you had to have all three C-Span channels. I didn't find C-Span available th...
by 123
Sat Jan 14, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Out of pocket health care costs - how to pay when traveling overseas?
Replies: 12
Views: 798

Re: Out of pocket health care costs - how to pay when traveling overseas?

I would think you would be able to wire funds from your home account using either an online application or a call to your bank but I'll admit that might not be as easy as it may sound.
by 123
Sat Jan 14, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Verifying pension election for deceased pensioneer
Replies: 22
Views: 991

Re: Verifying pension election for deceased pensioneer

If you really want to find out about the election once and for all the most expedient thing for the surviving widow to do would be to file a formal claim for a survivor's benefit. Once the pension people have a formal claim they will be forced to resolve it and advise the applicant of a decision and...
by 123
Fri Jan 13, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Widowers Benifit
Replies: 2
Views: 198

Re: Disability Widowers Benifit

My recollection is that once a reduction factor has been applied to a benefit that benefit doesn't change (except for COLA adjustments). So once the benefit starts it continues at the same amount (except for COLA adjustments). If the disabled widower meets the recent earnings test for his own social...
by 123
Fri Jan 13, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: 65k Cash. 25 y/o. Best place to put this?
Replies: 25
Views: 1588

Re: 65k Cash. 25 y/o. Best place to put this?

If you're planning to go to medical school so soon your life in obviously in transition, and will be for awhile. I would be content with holding the money in bank accounts as your are, though you might be better off putting may 75% of it in CDs with a higher rate depending on how much you need for a...
by 123
Fri Jan 13, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA for High Net Worth Parents?
Replies: 70
Views: 5629

Re: FAFSA for High Net Worth Parents?

The FAFSA is often required by many schools for any type of "assistance" from the school to a student. Some campus "jobs" like a Resident Adviser in a dorm or a student that works in the library may require that a FAFSA be completed, even when there is no real implication of fina...
by 123
Thu Jan 12, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: What else can I do with my job experience
Replies: 14
Views: 1507

Re: What else can I do with my job experience

I would consider the insurance industry and maybe something related to annuities since they are just cash flows. What about public pension organizations in your area (city/county/state/union/etc). Edited to add: Look for employers/companies that use "Actuaries" and you'll likely find simil...
by 123
Wed Jan 11, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on salary negotiation
Replies: 9
Views: 1268

Re: Advice on salary negotiation

Shop yourself around and see what the market-level opportunities for your skill set and experience would bring you. Once you are actively (though confidentially) looking for other employment you will be move relaxed about your current situation. One of the biggest contributors to workplace dissatisf...
by 123
Wed Jan 11, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Recent Graduate investing with different goals
Replies: 3
Views: 303

Re: Recent Graduate investing with different goals

For a future down payment a savings account/CD is absolutely the right way to go. You might want to split your deposit into two (or more) CDs to build yourself a little CD ladder. You can have a CD ladder with common maturity dates. A CD ladder could allow you to take advantage of any rising rates w...
by 123
Tue Jan 10, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Where Can a Self-Supporting Retiree Move?
Replies: 32
Views: 3451

Re: Where Can a Self-Supporting Retiree Move?

How about seeing the world on a cruise and get off if some place appeals to you?

Edited to add:

If you have $4M you can probably be accepted pretty much anywhere, as long as you bring the $4M with you. The problem becomes there are some places that you probably do not want to move $4M to.
by 123
Tue Jan 10, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Survivor Option CD/Bond , Suggestions
Replies: 3
Views: 479

Re: Survivor Option CD/Bond , Suggestions

Google is our friend: https://www.rbcwm-usa.com/resources/file-687470.pdf I don't know how current that information resource is. I assume similar guidance may be available from what firm/brokerage offers the instrument. It would seem that there often can be minimum holding periods before the survivo...
by 123
Tue Jan 10, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Owning Only The Total Stock Market Index
Replies: 14
Views: 2433

Re: Owning Only The Total Stock Market Index

If someone is investing for heirs, rather then themselves, they still may want to allocate between equity and fixed income. Should the assets be inherited during a market downturn there is a possibility that they will inherit less then had there been a mix of equity and fixed income.
by 123
Tue Jan 10, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Dumping An Out Of State Condo
Replies: 8
Views: 1011

Re: Dumping An Out Of State Condo

Start by googling the address of the Condo complex to see what real estate agents have/had current/recent listings there. Sometimes if it's a large enough complex there will be a real estate agent who specializes in the complex. When a relative had to sell a condo in California there was a real esta...
by 123
Tue Jan 10, 2017 2:04 am
Forum: Personal Finance (Not Investing)
Topic: Not reporting capital losses on taxes?
Replies: 12
Views: 907

Re: Not reporting capital losses on taxes?

Since you sold the stock, you WILL get a 1099 B ... and so will the irs. If the sale does not show up on your return, you will eventually get a letter from the irs. They will assume you underreported the entire amount of the sale. Doesn't matter if the sale is $100 or $100,000. You must report it! ...
by 123
Mon Jan 09, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 32
Views: 1835

Re: 4 Months Abroad - what to do before we leave?

Have the sisters who check your mail also run water in the sinks/tubs/showers for a minute every week or two (maybe also flush the toilets). Water in the pipe traps tends to evaporate over time if not replenished. If the water in the traps isn't sufficient it will let noxious sewer gases into the d...
by 123
Mon Jan 09, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: help assessing risk of promissory note w/ Techshop, Inc.
Replies: 19
Views: 2417

Re: help assessing risk of promissory note w/ Techshop, Inc.

The Techshop website shows they are still offering what appears to be the same promissory notes http://www.techshop.ws/invest.html

They don't seem like such a good deal given the experience of the investors in this thread.
by 123
Mon Jan 09, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 32
Views: 1835

Re: 4 Months Abroad - what to do before we leave?

Have the sisters who check your mail also run water in the sinks/tubs/showers for a minute every week or two (maybe also flush the toilets). Water in the pipe traps tends to evaporate over time if not replenished. If the water in the traps isn't sufficient it will let noxious sewer gases into the dw...
by 123
Mon Jan 09, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3660

Re: Weight machine vs free weight

I think a weight machine is safer since usually it reduces the need for a spotter.
by 123
Mon Jan 09, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: How to replace shower arm pipe? Plumbing question.
Replies: 26
Views: 1471

Re: How to replace shower arm pipe? Plumbing question.

I'd be concerned about causing other damage if you try to replace it. It could make a difference whether you've got copper or galvanized steel supply pipes in the wall (copper being more fragile). I'd be tempted to just try removing the rust by just polishing it and sealing/waxing it to delay the re...
by 123
Mon Jan 09, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 15137

Re: Best Financial Moves You've Made

I've always paid my bills on time. Never paid any interest on credit card expenditures (I pay them in full every month). Paid cash for every car I've ever bought and I only buy a new car every 12 or 15 years. I've always had an adequate emergency fund. I've always lived below my means. When I bought...
by 123
Mon Jan 09, 2017 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Discounted Mortgage
Replies: 7
Views: 841

Re: Discounted Mortgage

What happens to the interest rate if you no longer work for them?
by 123
Sun Jan 08, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Reverting to a Wood Burning Fireplace from Gas
Replies: 37
Views: 1856

Re: Reverting to a Wood Burning Fireplace from Gas

We once purchased a new tract home with a fireplace. The fireplace used wood but also included a gas supply line into the firebox that was capped when we bought the house. We used wood logs for a couple years and then converted to gas. The gas conversion was simple, just uncap the gas line in the fi...
by 123
Sat Jan 07, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6531

Re: Laundry lifestyle creep

Laundry detergent can be a very individual thing. Though I generally find the product ratings in Consumer Reports to be good indicators sometimes they are not. I found that an inexpensive store brand of powdered laundry detergent worked better for us then a major brand like liquid Tide. When Consume...
by 123
Sat Jan 07, 2017 1:14 am
Forum: Personal Consumer Issues
Topic: Alaska cruise - Help me convince my family
Replies: 57
Views: 3646

Re: Alaska cruise - Help me convince my family

Maybe you need to get their interest in Alaska up when the weather is summer hot in your area. In the middle of winter it's hard to raise interest in Alaska where it seems like it's already colder then where you are now. Timing might be everything.
by 123
Fri Jan 06, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: Do I need to replace my desktop PC?
Replies: 27
Views: 2207

Re: Do I need to replace my desktop PC?

If it does what you need it to do okay I'd continue to live with it. We have a similar vintage Dell Desktop that started out with Vista and is now running Windows 10. Somewhere among the upgrades there was no longer driver support for the DVD drive (but the other CD drive still works). With Windows ...
by 123
Fri Jan 06, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Another try at getting Portfolio Advice
Replies: 17
Views: 1120

Re: Leaving Merrill and Portfolio help please :)

Since you're all ETF's you can easily move them "in-kind" to brokerage anywhere. Keep what you've got in taxable and just let it ride if you want and avoid any tax issues for now. Just call Vanguard. You won't miss the broker at all. I'm surprised he didn't get you invested (at least parti...
by 123
Fri Jan 06, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: selling property without real estate agent
Replies: 19
Views: 1419

Re: selling property without real estate agent

I was involved on two situations on selling property without a real estate agent. In both cases the buyer and seller knew each other so it was no problem at all. Both were in California. In one instance the escrow company wanted a formal offer and acceptance to get things started so I just ordered s...
by 123
Fri Jan 06, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup always necessary when remarrying?
Replies: 49
Views: 3693

Re: Is a prenup always necessary when remarrying?

If both partners have been divorced I think a pre-nup is less likely to be a barrier but you never know...
by 123
Thu Jan 05, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: New 401(k) setup: Profit sharing and fund selection
Replies: 6
Views: 348

Re: New 401(k) setup: Profit sharing and fund selection

Will the expense rations for the Vanguard Funds actually be the same as the Vanguard direct rates or will Employee Fiduciary be using higher expense ratios?
by 123
Thu Jan 05, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Money Market - expense ratio
Replies: 10
Views: 944

Re: Edward Jones Money Market - expense ratio

Hopefully the rate of return on the fund is high enough to overcome the expense ratio. It would be sad indeed to have a negative rate of return on a money market fund due to the expense ratio.

I hope EJ doesn't charge you a fee for the transfers out.
by 123
Thu Jan 05, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime shipping to post office for pickup?
Replies: 18
Views: 1184

Re: Amazon Prime shipping to post office for pickup?

I order something from Amazon probably once a week. Usually they arrive from Ontrac in the SF Bay Area but some are USPS either all the way or the "last mile" connection from UPS. Within the last 6 months I've had two orders that showed delivered on the Amazon site but didn't show up at my...

Go to advanced search