Search found 1885 matches

by 123
Thu Mar 23, 2017 11:08 pm
Forum: Investing - Theory, News & General
Topic: Certificate of accrual! How do I get it?
Replies: 2
Views: 382

Re: Certificate of accrual! How do I get it?

Perhaps if you could post a photo/image of the certificate (block out any personal details it may contain) it may spark someone's investigative interests.
by 123
Thu Mar 23, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2395

Re: Administration of relative's estate

Regarding the disposition of the condo I'm sure the bank has a time-tested approach. After months of non-payment, or a clue that the mortgage-holder was deceased, the bank could have started a formal foreclosure effort. Without any objection that would be done quickly. After foreclosing on the prope...
by 123
Thu Mar 23, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: brother managing mother's investments?
Replies: 7
Views: 1050

Re: brother managing mother's investments?

What is your mother's preferred AA? What does she say when she's asked how much she is willing to lose? If she's alone and in her mid-80's I would bet that she's not willing to lose anything and is very risk adverse. I wouldn't be surprised if the most appropriate investments for her, avoiding all r...
by 123
Wed Mar 22, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal benefit for 65 year old divorcee
Replies: 11
Views: 898

Re: Spousal benefit for 65 year old divorcee

Wouldn't it be interesting if it turns out that both you and your ex-spouse could file for for divorced spouse benefits on each others record and each leave your own retirement benefits until later. I wonder if that occurs very often since each divorced spouse must be unmarried to qualify.
by 123
Wed Mar 22, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2395

Re: Administration of relative's estate

Try reaching out to the person that made the funeral arrangements. You can probably get their name from the funeral home. Presuming there was an obituary or death notice published.
by 123
Wed Mar 22, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Alternative SSA Claiming Strategy--question for the group
Replies: 10
Views: 641

Re: Alternative SSA Claiming Strategy--question for the group

There is no simple SSA claiming strategy. If the worker files for benefits before full retirement age (FRA) a benefit reduction will apply for months prior to FRA. The year following the year the worker attains FRA does a benefit adjustment will be done that applies an adjustment of the reduction fa...
by 123
Tue Mar 21, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 77
Views: 5669

Re: How did graduating out of daycare impact your finances?

If you have to buy it after-school care isn't cheap either.
by 123
Tue Mar 21, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dizzying Medicare options [in Massachusetts]
Replies: 58
Views: 2917

Re: Dizzying Medicare options

At least in California the Medicare Advantage plans offered have always seemed to be the "sweet spot" for cost versus benefits. It really depends on if you have doctor(s) you really want to continue with or whether you're ready to stay anew. Your options might be limited by what plans your...
by 123
Tue Mar 21, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Child Planning Checklist
Replies: 42
Views: 2408

Re: Child Planning Checklist

Of course you need a car seat for the baby. The sad thing about car seats is that over the number of years since we had our first child it seems like every car seat ever made has been recalled for some reason or other. Car seats seem to be a product that manufacturers just can't ever seem to get rig...
by 123
Tue Mar 21, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: Northern Lights cruise, Norway, March 2018
Replies: 17
Views: 1373

Re: Northern Lights cruise, Norway, March 2018

There's an alternative in Finland, a resort that involves heated glass igloos under the Northern Lights, http://www.kakslauttanen.fi/en/ I suspect that the normal traveler would encounter more language issues in Finland then along the Norwegian coast. Regardless of where you go to see the Northern L...
by 123
Mon Mar 20, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Does underperformance ever constitute breach of fiduciary duty?
Replies: 2
Views: 442

Re: Does underperformance ever constitute breach of fiduciary duty?

I am aware of a bank that was successfully sued because their trust department invested an account only in the bank's own CDs. The conventional normally conservative approach would have been to include some equity exposure, like and S&P 500 fund at the time.
by 123
Mon Mar 20, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Self Direct IRA LLC
Replies: 3
Views: 166

Re: Self Direct IRA LLC

Just put "Self Directed IRA" (without quotes) in the search box in the top right corner to find prior discussions here. Self directed IRAs are usually held by specialized custodians who offer to provide access for special investments, which are often sold or bundled by associated financial...
by 123
Sat Mar 18, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Consultant, LLC, pricing?
Replies: 8
Views: 534

Re: Consultant, LLC, pricing?

You should give them a "package" price based on the length of the conference. You add 2 travel days onto the actual conference days (of course because they want you to arrive fresh and enthusiastic). One day is to get there, and another day is to return (this is your overhead that they pay...
by 123
Sat Mar 18, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 43
Views: 2833

Re: Best place to get eyeglasses / no vision insurance

If you're a member Costco is probably your best bet. It's usually easy to make an appointment with their Optometrist for a prescription (15 minute appointment for $75 or less) and then order glasses from their optical department (usually arrive in 2 weeks or less). Since it's your first pair I think...
by 123
Sat Mar 18, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Risks of MLPs
Replies: 26
Views: 1639

Re: Risks of MLPs

MLP risks commonly include that investors are initially attracted by apparently high yields but often, over time, the yields decline. There can also be tax complexities involving K1 income. Getting rid of a MLP can be difficult and costly. Due to generally high commissions, which the buyer doesn't s...
by 123
Sat Mar 18, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Wall Street Journal - can't buy with miles anymore
Replies: 7
Views: 1068

Re: Wall Street Journal - can't buy with miles anymore

Next question, I have to take the print version for the fundraising site. Anyone know if I will be able to drop that part or should I just put it on indefinite vacation hold? In the past when I've done vacation holds on the print version I found that I could still access the online version and the ...
by 123
Sat Mar 18, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Cheapest dress shirt to wear under a sweater
Replies: 34
Views: 2021

Re: Cheapest dress shirt to wear under a sweater

If you've got the time for a treasure hunt you could browse local Goodwill stores. Inconsistent sizing but lot of variety. Getting stuff from Goodwill can help to avoid comments from co-workers such as "New shirt?".
by 123
Sat Mar 18, 2017 1:23 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan: Do it myself or use Advisor?
Replies: 41
Views: 3006

Re: Retirement Plan: Do it myself or use Advisor?

It is very difficult to locate an adviser who has as much involvement and interest in the success of your plan as you yourself would. Typically advisers will make things appear to be more complicated then it needs to be so that you believe you need to maintain an ongoing relationship with them, at a...
by 123
Sat Mar 18, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: Camcorder recommendations
Replies: 45
Views: 1782

Re: Camcorder recommendations

Would a GoPro model of some kind work for the OP? They seem lightweight and not too expensive (at least some models). But maybe they wouldn't be able to handle audio adequately?
by 123
Fri Mar 17, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: help deciphering Social Security code annotations
Replies: 13
Views: 696

Re: help deciphering Social Security code annotations

If a person is entitled to retirement benefits based on their own earnings their claim number is based on their own social security number followed by an "A". If they receive any additional benefit (as a spouse or widow for example) the additional amount is added to their "A" ben...
by 123
Fri Mar 17, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Camcorder recommendations
Replies: 45
Views: 1782

Re: Camcorder recommendations

Perhaps you can start out with just audio, use a phone or an mp3 player that also records. Audio is easier to work with as well as to play back whereas there are just a lot more "production" issues involving video, primarily lighting. You can capture video at home with a laptop easily.
by 123
Fri Mar 17, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Wall Street Journal - can't buy with miles anymore
Replies: 7
Views: 1068

Re: Wall Street Journal - can't buy with miles anymore

The best WSJ price (print & digital) I've found is at http://gafundraising.com/ It's $99 for 6 months and $198 for 12 months. To order anything you have to identify a school, since it's a school fundraising site. Try a school you went to or a nearby high school, you don't have to identify a stud...
by 123
Fri Mar 17, 2017 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Texas Teachers Retirement too good to be true?
Replies: 39
Views: 4474

Re: Texas Teachers Retirement too good to be true?

My friend google showed me a website for the Teacher Retirement System of Texas that probably has all the details https://www.trs.texas.gov/Pages/Homepage.aspx
by 123
Thu Mar 16, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning Help (for in-laws)
Replies: 5
Views: 580

Re: Retirement Planning Help (for in-laws)

Can they really afford to have your MIL wait to start receiving her social security benefit? The "payback" time to come out even by waiting is usually over 10 years.
by 123
Thu Mar 16, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: selling home/lease back/long escrow
Replies: 14
Views: 539

Re: selling home/lease back/long escrow

Families with kids often prefer to stay where they are until the end of the school year. So typically June through August are the months they would prefer to move. If your lease back would extend beyond "summer" you'd kill a lot of potential deals.
by 123
Thu Mar 16, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: selling home/lease back/long escrow
Replies: 14
Views: 539

Re: selling home/lease back/long escrow

If you get an offer on your property you simply make a counter-offer that includes a provision for lease back or a long escrow. The buyer who made the original offer will then either accept or reject your counter-offer. They may submit their own counter-offer for you to accept or reject. It's called...
by 123
Thu Mar 16, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: selling home/lease back/long escrow
Replies: 14
Views: 539

Re: selling home/lease back/long escrow

Anything you do to prolong escrow or defer the availability of the home for the potential buyer is going to make it tougher to sell. If you want concessions from the buyer you will likely have to settle for a lower price.
by 123
Wed Mar 15, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: I can't contribute to my 401(k) due to "safe harbor" rules
Replies: 15
Views: 1691

Re: I can't contribute to my 401(k) due to "safe harbor" rules

Just a comment. An employer who imposes a 12 month waiting for 401K participation can avoid the problem of an employee contributing over the annual limit (due to multiple employers in a calendar year) in the year the employee joins the organization.
by 123
Wed Mar 15, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 1438

Re: Looking at refurbised desktop PCs

My main concern with buying a refurbished machine is the limited warranty. Every time I buy a new PC (about every 2 years since we've got a number of household desktops we rotate through) I'm just amazed that they stay around the same price or get a little cheaper. I've been buying Dell machines wit...
by 123
Mon Mar 13, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard - Bank?
Replies: 7
Views: 1078

Re: Vanguard - Bank?

I would suspect there are two likely reasons nothing observable has happened with this. One, with low interest rates it's harder for banks to squeeze out a profit and two, there is some regulatory interference with executive compensation levels if an organization includes a bank. A bank subsidiary c...
by 123
Mon Mar 13, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: privacy issues
Replies: 7
Views: 829

Re: privacy issues

2) Schwab asked for my salary, networth, etc to open an account? and mentioned it's required? I don't recall anyone else 'requires' it, and feel quite uncomfortable to provide the info, so I backed off. Is that info really required? I suspect this is part of the "know your customer" rules...
by 123
Mon Mar 13, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 3386

Re: Time Saving Tactics: Kids Edition

Leftover components from our large Sunday night dinner often become key ingredients in subsequent meals during the week. For example cooking a large tri-tip roast on Sunday provides enough leftover beef to be added to simple stir-fry dishes on a couple of days during the week. Menu planning has to c...
by 123
Sat Mar 11, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: FI, early retirement at 40, how to get relevant tax advice?
Replies: 46
Views: 5436

Re: FI, early retirement at 40, how to get relevant tax advice?

The biggest "problem" I see is the impact of parents not working on a young child. Your child could be the only one in school where neither parent works. From a kid's perspective that might not be the best example to set, regardless of your other early achievements and success.
by 123
Sat Mar 11, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Shower door slipping off rail
Replies: 4
Views: 543

Re: Shower door slipping off rail

The most likely things are the roller "hangers" are loose or the roller bearings need to be replaced. You can remove the shower doors by lifting them out off the tracks (I'm sure there's a youtube.com video about that). Adjusting the hangers or replacing the roller bearings is pretty simpl...
by 123
Sat Mar 11, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Reasons not to check the account balance too often
Replies: 42
Views: 3785

Re: Reasons not to check the account balance too often

Checking account balances too often is like driving down the road by looking at the road directly ahead of your front bumper instead of leaning back and getting the big picture of where you are headed.
by 123
Fri Mar 10, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Which car value used by insurance to pay for a totaled car?
Replies: 6
Views: 357

Re: Which car value used by insurance to pay for a totaled car?

We have family members who were involved in two accidents, neither of them their fault. In each case (in California) they received what they thought were very fair and generous settlements for their totaled vehicles. The settlement amounts were based on the purchase price of a similar replacement ve...
by 123
Fri Mar 10, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Advice about 401(k)
Replies: 6
Views: 356

Re: Advice about 401(k)

In a 401K you can basically only select from the options that are presented to you among the fund choices. A few 401K's have a "Brokerage Window" which lets you pretty much buy anything sold on an exchange. 401K's with "Brokerage Windows" are unfortunately few and far between, us...
by 123
Thu Mar 09, 2017 4:54 pm
Forum: Forum Issues and Administration
Topic: What would happen if a hacker got a full database dump of the site?
Replies: 29
Views: 2468

Re: What would happen if a hacker got a full database dump of the site?

I think that for the most part the only types of data that a hacker could get from this sit that isn't publicly available/posted is likely email address used to establish account, password (likely either hashed or encrypted), ip addresses, and "private" messages between members. A member w...
by 123
Wed Mar 08, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: How to advise coworkers on 401k choices
Replies: 26
Views: 1199

Re: How to advise coworkers on 401k choices

I would suggest that there's a lot of things to read and research, including Bogleheads.org, if they have the time or interest but that many people would probably go with the appropriate Fidelity Freedom target date fund and do okay. Or you could say something along the lines of that using a target ...
by 123
Tue Mar 07, 2017 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Gift to Child for Roth IRA
Replies: 13
Views: 761

Re: Gift to Child for Roth IRA

That's a great idea. But she should open the IRA herself. If you can't trust her to do that timely with a gift of $5.5K then I wouldn't advance the gift.
(Yes you can stand over her shoulder as she does it).
by 123
Mon Mar 06, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: Credit report blocked! ! ??
Replies: 3
Views: 684

Re: Credit report blocked! ! ??

Send a WRITTEN request to Trans Union requesting a free copy of your credit report. In your request indicate the problem with your insurance company and that you do not want your credit report blocked. Include a photocopy of your driver's license (state id), a current credit card bill showing your a...
by 123
Mon Mar 06, 2017 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Opportunity Cost of Temporarily Raiding Retirement Account
Replies: 21
Views: 1757

Re: Opportunity Cost of Temporarily Raiding Retirement Account

I would do the hardship 401K withdrawal if I was in your situation.
by 123
Mon Mar 06, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Suriving spouse - social security and debt
Replies: 12
Views: 1419

Re: Suriving spouse - social security and debt

1.) Don't know 2.) Since the FIL's own SSA benefit is higher then the MIL's SSA benefit he would continue to receive his own benefit. The FIL would likely be eligible for the small ($255) social security lump sum death benefit upon the passing of his spouse. 3.) Someone should notify SSA of the MIL'...
by 123
Mon Mar 06, 2017 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Do returns ever justify higher ERs?
Replies: 21
Views: 1552

Re: Do returns ever justify higher ERs?

How much of your equity portfolio does the position in FOCPX represent?

Lots of Bogleheads have stray positions due to personal interests or inspirations. It may not be significant issue.
by 123
Mon Mar 06, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Can this IRA be rolled over?
Replies: 4
Views: 218

Re: Can this IRA be rolled over?

I assume SGRAX is the ticker symbol for Wells Fargo Growth Fund Class A. If this is the case that security could be held in any brokerage account.

SGRAX has an expense ratio of about 1.14% so it's possible it would be better to sell it and select suitable Vanguard investments.
by 123
Mon Mar 06, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Cashing out 401k at age 54 then getting re-hired?
Replies: 40
Views: 2554

Re: Cashing out 401k at age 54 then getting re-hired?

If you want your 401K money. Just quit. Rollover the entire 401K amount to an IRA. If you want any cash out take it out of the IRA with applicable tax penalties. After the 401K is emptied you can then reapply for employment. The reason to roll it over to an IRA is that that is likely a quicker path ...
by 123
Mon Mar 06, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Explain how health insurance deductible works
Replies: 19
Views: 670

Re: Explain how health insurance deductible works

The only way to meet the deductible is to pay expenses out of pocket. Accordingly, you would pay $145 for the visit for your son and that $145 would be applied to the deductible. Until you meet the deductible your "co-pay" is the complete (negotiated) charge. Generally preventative care is...
by 123
Mon Mar 06, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding cash gift
Replies: 68
Views: 3654

Re: Wedding cash gift

My spouse and I eloped and avoided all the wedding hoopla (neither of us had prior marriages). We both have always thought we handled it the right way. Think of the simplicity. No guest lists. No wedding registries. No wedding arrangements. We got a few wedding gifts from close relatives and friends...
by 123
Mon Mar 06, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you drop life and disability insurance?
Replies: 56
Views: 3412

Re: At what age did you drop life and disability insurance?

I have never bought life or disability insurance other then what has been available/provided through my employer.

I've always been a "saver" and I married late so what was available based on employment has been sufficient.
by 123
Mon Mar 06, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding cash gift
Replies: 68
Views: 3654

Re: Wedding cash gift

We attended a wedding which I really admired. The ceremony was held on a weekend afternoon in a meadow in a public park which the couple had reserved with rented chairs etc. The wedding dinner was held in the early evening in a large nearby restaurant where the wedding group could be partitioned off...

Go to advanced search