Search found 1823 matches

by 123
Sun Feb 26, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Going to Tahiti and we're budget travelers
Replies: 4
Views: 394

Re: Going to Tahiti and we're budget travelers

Don''t forget to check out the beaches...
by 123
Fri Feb 24, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: Financial Times subscriptions for less?
Replies: 14
Views: 1105

Re: Financial Times subscriptions for less?

I agree it's a thin paper. Part of that may be the thin paper. I've noticed the paper WSJ is getting pretty thin some days as well. In recent times I've only bought the Financial Times weekend paper because of the greater content (mostly features) it contains.
by 123
Fri Feb 24, 2017 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Balance Defined Benefit Plan
Replies: 12
Views: 907

Re: Cash Balance Defined Benefit Plan

Does the firm contribute to this cash balance defined benefit plan as well or is the only source of contributions to the plan the participants? If the firm contributes how much does that add (%) to the contribution by each participant?
by 123
Fri Feb 24, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Is it safe to use an antique mold pan?
Replies: 10
Views: 937

Re: Is it safe to use an antique mold pan?

I wonder if you could line the mold pan with aluminum foil and use it that way. If the shape is not too complex that might work. Of course I don't know if the heat of baking would bond/stick the aluminum foil to the brass mold pan, which would not be what you want.
by 123
Fri Feb 24, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Financial Times subscriptions for less?
Replies: 14
Views: 1105

Re: Financial Times subscriptions for less?

When I play with their web-site a 1 year of digital access offer for$4.29 weekly ($223.08 for 1 yr) pops up. I assume it will then renew at a higher rate if you don't timely cancel. There don't seem to be any Financial Times subscription bargains. I'm guessing they know the customers they want can p...
by 123
Fri Feb 24, 2017 2:19 am
Forum: Personal Consumer Issues
Topic: Ritz/Marriott vacation club - please share positive experience
Replies: 9
Views: 837

Re: Ritz/Marriott vacation club - please share positive experience

I would avoid getting involved with a timeshare arrangement even with a brand like Marriott. Four years ago some family friends gave us the free use of one of their Marriott timeshare weeks (we paid whatever fees for incidentals the resort had) since they reserved space but couldn't go due to family...
by 123
Fri Feb 24, 2017 2:04 am
Forum: Investing - Help with Personal Investments
Topic: In a bit of a pickle as executor with individual stocks
Replies: 14
Views: 906

Re: In a bit of a pickle as executor with individual stocks

The only way to "undo" the purchases made is to sell them. Just sell them and be done with it.You just have to accept that there will be a difference in the value between purchase price and sale price.
by 123
Thu Feb 23, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Can't get a really good scan of a black-and-white photo
Replies: 15
Views: 853

Re: Can't get a really good scan of a black-and-white photo

Maybe it's time to contact a well-established local wedding photographer or a traditional photography store(do any still exist?). Perhaps taking a carefully set-up photograph of the print and then getting prints of that might work. Perhaps there's something about the dynamics of the scanning process...
by 123
Thu Feb 23, 2017 5:46 pm
Forum: Investing - Theory, News & General
Topic: Taking profits
Replies: 12
Views: 1146

Re: Taking profits

You can't get to your profits without selling shares, whether you have mutual fund shares or ETF shares. Each share has it's own gain or loss depending on the purchase price and sale price.
by 123
Mon Feb 20, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to Split Pension
Replies: 58
Views: 3781

Re: How to Split Pension

Decisions about pensions often depend on evaluating other income streams (current and future) in the household and as well as family assets. How does this pension fit into that mix? Is the pension the main driving component of meeting monthly expenses?
by 123
Mon Feb 20, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-law Financial Problems
Replies: 20
Views: 2163

Re: Mother-in-law Financial Problems

Does she have any equity in this house that would be freed up if she sold it? Indeed, we are hoping she will turn a modest profit on the home when it sells. We would anticipate 10-30k in equity. My next question would be, what should we do with it? She is 62. Is it too early to begin looking at a l...
by 123
Mon Feb 20, 2017 1:55 am
Forum: Investing - Help with Personal Investments
Topic: Help with recent inheritance and investments
Replies: 29
Views: 1305

Re: Help with recent inheritance and investments

So is the intention of the loan(?) from your parents with the 3% interest to essentially refinance the student loans into a 3% loan from your parents? Or do you intend to retain both the student loan debt and the loan debt from your parents?
by 123
Sat Feb 18, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Moving with expensive electronic equipment.
Replies: 15
Views: 1191

Re: Moving with expensive electronic equipment.

I think something like PODS is the better choice, assuming you've got enough other stuff to fill out the PODS. If you pack it yourself and unpack it yourself I think you'd be in good shape. The PODS are large enough that they (hopefully) won't get tossed around like boxed goods (I'm assuming you wan...
by 123
Sat Feb 18, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Exercising ISOs in a public company
Replies: 3
Views: 268

Re: Exercising ISOs in a public company

Not all mergers or acquisitions work out. I'd cash out the ISOs and diversify. If you insist on an individual stock position in this company you could likely buy regular stock options (or LEAPS if they're available). If you don't want to put your own "real money" behind such options that's...
by 123
Sat Feb 18, 2017 1:46 am
Forum: Investing - Help with Personal Investments
Topic: Question [Help with individual stock holdings, asset allocation]
Replies: 7
Views: 398

Re: Question

A number of Bogleheads have acknowledged that have a relatively small amount of money in individual stocks. It's often referred to as "play" money and is often 5% or less or their equity portfolio. How much of your equity portfolio is in individual stocks?
by 123
Fri Feb 17, 2017 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Non IRA CD per stirpes???
Replies: 4
Views: 423

Re: Non IRA CD per stirpes???

When you think about it a bank would be accepting a lot of risk if it accepted "per stirpes". The bank does want to be on "the hook" to anyone it may have been unaware of when it made a distribution to beneficiaries. There can be a whole range of legal relationship issues, think ...
by 123
Fri Feb 17, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Inherited IRA
Replies: 23
Views: 914

Re: Help with Inherited IRA

Based on the current level of the stock market and particularly the rise in the last few months I would think long (but not too long) and hard about trying to save $1,000 in commissions on that size of a portfolio. Sure you could save a large portion of that $1,000 but depending on how long moving t...
by 123
Fri Feb 17, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: 88 Year Old Mother - advice needed
Replies: 15
Views: 959

Re: 88 Year Old Mother - advice needed

Is the $800K of cds part of the IRA or is it in addition to her IRA?

How much is in her IRA and what is that invested in?
by 123
Thu Feb 16, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: I may be a workaholic?
Replies: 24
Views: 2070

Re: I may be a workaholic?

There are lots of reasons for continuing to want to work. A manager of one department where I worked was always thought to be somewhat egotistical. He held long meetings to which he invited as many staff as possible and he always seemed to be the principal speaker. After he joined the firm he had br...
by 123
Wed Feb 15, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3626

Re: How do you handle switching your handbag?

Another thing my wife does with her purses/handbags is keep her cell phones (she has 3) in them. She has a zippered or totally enclosed gizmo for each of them to protect them from damage. Those "protective" thingeys go into another bag thing before going into a purse/handbag. (Two of the c...
by 123
Wed Feb 15, 2017 1:40 am
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3626

Re: How do you handle switching your handbag?

This woman's purse/handbag stuff has always completely mystified me. My spouse uses 3 or 4 purses/handbags over the course of a week. It's always "I have to pack my purse/handbag" before she leaves the house. She seems to have an ungodly number of smaller bags that magically fit inside it....
by 123
Mon Feb 13, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: 1 pay check/3 people, making sense of LI
Replies: 3
Views: 687

Re: 1 pay check/3 people, making sense of LI

... We're abroad, so limited access to this (most) type of financial advise. ... What country/area are you in? How long do you expect to stay there, is it permanent? Your location can make a big difference in what insurance company options you have. Companies generally set rates based on the locati...
by 123
Mon Feb 13, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: How long do you keep your kitchen sponge?
Replies: 44
Views: 3500

Re: How long do you keep your kitchen sponge?

We have a couple of the 3M sponges with that scrubbing side that we alternate through. As one goes in the dishwasher we take a dry one from below the sink. When the dishwasher cycle ends the washed one goes under the sink in a drying pan with it'd buddies. Rinse and repeat as necessary. They don't g...
by 123
Sat Feb 11, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: College student looking for advice
Replies: 24
Views: 1240

Re: College student looking for advice

I would not rush out and buy a residence, either a condo or a single family home. Once you have real estate you tend to get sort of "stuck" since the costs of getting in and out of real estate transactions are high. Rent and stay flexible to take advantage of the career opportunities that ...
by 123
Sat Feb 11, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Decumulation phase help
Replies: 14
Views: 1551

Re: Decumulation phase help

An investment portfolio of about $10 million should be able to support distributions of $250 K annually on an ongoing basis. If you are very adverse to loss an asset allocation of 50% stocks and 50% bonds might be something to consider.
by 123
Fri Feb 10, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Odd issues with establishing employee vs. IC status
Replies: 5
Views: 289

Re: Odd issues with establishing employee vs. IC status

And there is no mention of the company paying the costs of her relocation to Illinois. If she's an IC they basically could drop her at any time. If they are trying to be this evasive of normally expected business practices before she is even "hired" I'd have serious doubts about their beha...
by 123
Fri Feb 10, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Lost Stock Certificate - EMC
Replies: 6
Views: 596

Re: Lost Stock Certificate - EMC

It might be a good idea to talk to the 16 year-old's mom to clarify the status of the gift. In 10 years there could have been a lot of family changes. It's also possible that the "no clue" situation comes from mom not thinking the 16 year-old is mature enough to handle the funds. Maybe the...
by 123
Fri Feb 10, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Extended Globus Europe Tour - Thoughts?
Replies: 13
Views: 981

Re: Extended Globus Europe Tour - Thoughts?

I done a couple of Globus tours in Europe over the years. I think they're a fine company and really don't have any complaints. You will see at least twice, and maybe three times, as much on a packaged tour as if you decided to do it yourself. They have honed the scheduling to avoid wasting any time....
by 123
Fri Feb 10, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Dumpsters
Replies: 15
Views: 1483

Re: Dumpsters

When we had a gut remodel done before we moved in our contractor stashed all the construction debris in the garage and then he periodically had it loaded and hauled away by a guy with a truck. I wondered why he did it that way since it seemed (to me) more expensive than just getting a dumpster. He t...
by 123
Fri Feb 10, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14822

Re: Why do you go to restaurants?

I go to restaurants to accompany my wife and keep her happy. She reads the new restaurant reviews in the newspaper and watches the new restaurant reviews on TV and keeps track of places she's like to try. We typically will eat out once or twice a week (can be breakfast, lunch, or dinner). About 1/3 ...
by 123
Fri Feb 10, 2017 2:12 am
Forum: Investing - Help with Personal Investments
Topic: Benefit to Start 529 as an adult, for Med School
Replies: 9
Views: 746

Re: Benefit to Start 529 as an adult, for Med School

The tax penalty for 529 withdrawals not used for a qualified education expense is 10 percent on the total amount, plus the account owner must pay income tax on any money earned on the investments within the 529 plan account. Of course you have a child who might be able to use the 529 assets down the...
by 123
Fri Feb 10, 2017 12:28 am
Forum: Personal Consumer Issues
Topic: BRK Annual Shareholder Meeting- is it worth going?
Replies: 20
Views: 1828

Re: BRK Annual Shareholder Meeting- is it worth going?

Airline fares and hotel rates really spike up up up for the BRK Annual Shareholder meeting. Probably best to make reservations far in advance and get there a couple of days early and stay a day or two after to get reasonable airfares. Maybe some hotels will give you a lower daily rate if you're ther...
by 123
Thu Feb 09, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is it too late to overpay tax to get refund as paper I Bonds?
Replies: 3
Views: 351

Re: Is it too late to overpay tax to get refund as paper I Bonds?

I don't really know anything about the particulars but I suspect you can continue to make estimated tax payments until you file your return. If you run out of the standard 1040-ES forms you can print some more from the web. It probably makes sense to use multiples of the 4th quarterly payment coupon...
by 123
Wed Feb 08, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: W-2 vs 1099 question
Replies: 4
Views: 303

Re: W-2 vs 1099 question

You were paid the bonus based on your service as an employee so it's just the same old W-2 type wages. Since it was paid in 2017 you should expect a W-2 from them for 2017 which would be issued in 2018.
by 123
Wed Feb 08, 2017 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall, but need to withdraw
Replies: 9
Views: 1023

Re: Windfall, but need to withdraw

I guess I don't really see a reason to "spend down" a significant part of the $500 K gift related to childcare. Had you not received the gift you would have made other arrangements for childcare. I don't think there's anything wrong with using parts of the gift to allow contributions to re...
by 123
Wed Feb 08, 2017 7:33 pm
Forum: Investing - Theory, News & General
Topic: Best way to present to my employer a switch to vanguard
Replies: 24
Views: 1389

Re: Best way to present to my employer a switch to vanguard

Keep your fingers crossed that the reason your company has JH is NOT because the JH account executive (salesman) is not a friend of or related to your boss or another executive (or their spouses) at your company.
by 123
Tue Feb 07, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 40
Views: 3532

Re: Rule of Thumb for Getting Rid of Car

I would get rid of a car when there is a significant safety issue.
by 123
Tue Feb 07, 2017 2:07 am
Forum: Investing - Help with Personal Investments
Topic: Discounted Mortgage
Replies: 10
Views: 1281

Re: Discounted Mortgage

You may want to determine what the comparable "Market rate" is for the terms of the mortgage in the event that your employment relationship ends. For example is the "Market rate" locked in for you at the time you take the loan out or is it only determined at the time you are in a...
by 123
Tue Feb 07, 2017 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Replacing carpet for whole house... or other options
Replies: 16
Views: 1116

Re: Replacing carpet for whole house... or other options

In the house I grew up in we had wall-to-wall carpet. As I recall it was new when we moved in. My parents replaced the living room, dining room, and hallway carpet a couple of times over the 40 years they lived there. But they didn't replace the carpet in the bedrooms because it just wasn't worn. Su...
by 123
Mon Feb 06, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Acquaintance and Social Security Disability
Replies: 8
Views: 818

Re: Acquaintance and Social Security Disability

Social Security Disability benefits have a five full month waiting period before there is eligibility for benefits. For example a person determined to be disabled in July 2016 would have waiting period months of August, September, October, November, and December. The first month the would be eligibl...
by 123
Mon Feb 06, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 48
Views: 5296

Re: Cable and Internet

You've got to learn the Comcast/Infinity game. Generally internet by itself from Comcast will be more expensive then internet with a basic, basic cable package. That package won't have ESPN or Bravo. What you do is just call and say you want to cut back to the basic internet and TV combo package. Tr...
by 123
Mon Feb 06, 2017 1:40 am
Forum: Personal Consumer Issues
Topic: Washer and dryer - upstairs or downstairs?
Replies: 52
Views: 2924

Re: Washer and dryer - upstairs or downstairs?

It's no big deal to get a washer and dryer up stairs. There are a significant number of homes where the living areas of the home are up a flight of stairs. All manner of household stuff, stoves, refrigerators, washers, dryers, king-size beds, large dressers, and bookcases etc, is routinely delivered...
by 123
Sat Feb 04, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 4040

Re: Disney Cruise instead of Disney World?

While it may vary from child to child I think a 7 year-old could enjoy a Disney Cruise more then a visit to Disney World. Young kids like to hang out and interact with other kids there own age. On a Disney Cruise there are a lot of structured ways that happens, as well as unstructured ways. With a t...
by 123
Sat Feb 04, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Declined with 800 FICO Score?
Replies: 33
Views: 2687

Re: Declined with 800 FICO Score?

Did you use your correct income in the application? Dumb question, I know, but this happened to me in the past when I considered the application process overly intrusive and used very low-ball income numbers since I felt it's none of their business. When I eventually entered more accurate (i.e., hi...
by 123
Fri Feb 03, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4619

Re: GF has long commute, should we buy a house to avoid long commute?

I'd go along with the crowd that says move and rent something closer to her job. I would also recommend against real estate purchase arrangements (even by yourself) with someone who you are not married to. I would not recommend buying a property by yourself in her work city unless you would want to ...
by 123
Fri Feb 03, 2017 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing 4 Family House for Rental Income
Replies: 34
Views: 2267

Re: Purchasing 4 Family House for Rental Income

It's possible that the obligation to make payments on the rental property will also limit the availability of personal credit for each of the four partners. That could seriously limit their ability to purchase/finance/refinance their own personal residences or be involved with other loans over the t...
by 123
Fri Feb 03, 2017 12:54 am
Forum: Personal Consumer Issues
Topic: Spring break trip ideas, mid-March, family of 5 (3 teen/tweens)
Replies: 23
Views: 1926

Re: Spring break trip ideas, mid-March, family of 5 (3 teen/tweens)

What about Las Vegas? If the family has never been there there are a lot of sights that don't involve gambling. Hoover Dam is a short drive away for a day trip. Flights can be inexpensive and hotels can be cheap, depends on what days you're there (Sunday night through Thursday night are usually the ...
by 123
Fri Feb 03, 2017 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Does an In-Service 401(k) Rollover make sense in my case?
Replies: 5
Views: 609

Re: Does an In-Service 401(k) Rollover make sense in my case?

"In-service" 401K rollovers are usually limited to employees that have attained age 59.5 (or more) years of age at the time of the rollover. So at age 47 you will probably have to wait awhile.
by 123
Thu Feb 02, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: Deadbolt with 5 inch backset
Replies: 2
Views: 594

Re: Deadbolt with 5 inch backset

Two possible suggestions: Take all the removable parts to a nearby lock/locksmith shop and ask if they sell(or can order) a replacement. Alternatively visit a nearby Ace Hardware store and ask them. The good thing I've found about Ace Hardware is that their staff is usually very helpful and the loca...
by 123
Thu Feb 02, 2017 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Holding a Relative's Mortgage
Replies: 20
Views: 1375

Re: Holding a Relative's Mortage

At her age it would seem that if the nephew refinances the loan with her as the lienholder it is quite likely that the settlement of her estate would be significantly complicated by the ownership of this "paper". If the loan has a term of 15 or 30 years it is quite possible that the benefi...

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