Search found 5103 matches

by 123
Wed Nov 13, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Version 1909
Replies: 3
Views: 291

Re: Windows 10 Version 1909

123 wrote:
Wed Nov 13, 2019 5:11 pm
...The newer machine, about 2 - 3 years old is being stubborn and has failed to install on three attempts...
OP here. I re-ran the update after waiting a couple of hours (no other intervention) and it installed.

YMMV
by 123
Wed Nov 13, 2019 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Calls Right After Death
Replies: 14
Views: 487

Re: Collection Calls Right After Death

Any such inquiries about indebtedness should be directed to the person handling the administration of the estate. Any issues about the status of the HELOC would normally be resolved when the inheritance of the property is resolved.
by 123
Wed Nov 13, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should I offer to extend my rental lease?
Replies: 3
Views: 230

Re: Should I offer to extend my rental lease?

Rental and lease practices vary by community. In our area most rentals (either apartment/condo of SFH) are initiated with a 1 year lease and then convert to month-to-month after that. Maybe your landlord would commit to another 1 year lease, or maybe he/she won't (He/She may be surprised you even as...
by 123
Wed Nov 13, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW job loss transition period bonus negotiation
Replies: 5
Views: 257

Re: Need Help - DW job loss transition period bonus negotiation

Is the 6 week bonus payment promise in writing? (I doubt it). Since she has a new job with similar salary with a start date before the "agreed upon" conclusion date of her present job she should give the standard two weeks notice and start her new job as scheduled. They told her they wanted to get r...
by 123
Wed Nov 13, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Version 1909
Replies: 3
Views: 291

Windows 10 Version 1909

The Windows 10 Fall update for this year, version 1909, has been released. I tried to install it on 3 Dell Windows 10 Professional desktops. It was an easy and simple install on two Windows 10 Dell desktops that were 6 and 10 years old. The newer machine, about 2 - 3 years old is being stubborn and ...
by 123
Wed Nov 13, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting increased travel
Replies: 14
Views: 905

Re: Employer requesting increased travel

It's time to seek alternate employment, either an alternate position at your current university or move on to something else. A fund-raising position elsewhere may involve similar travel prospects so maybe you've got to suck it up until you can implement a retreat to academia. Curious what your most...
by 123
Wed Nov 13, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: The difficulty of discarding frugality?
Replies: 62
Views: 3362

Re: The difficulty of discarding frugality?

Over time I have moved from a frugality mindset to adding value, simplification, and down-sizing. I enjoy expenditures more and spend less. When you adopt a mindset to leave a minimum of clutter behind upon your passing, even when you expect that to be years away, it feels good.
by 123
Tue Nov 12, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Looking at buying a foreclosure Dallas area cash
Replies: 19
Views: 1346

Re: Looking at buying a foreclosure Dallas area cash

...I accept that there will at a minimum be some repairs/make ready and worst case probably a roof or something like that... I would suspect it could be common to require new flooring (carpet, hardwood, tile, whatever), new appliance, maybe new bathroom fixtures, maybe new kitchen and bath cabinets...
by 123
Tue Nov 12, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary Settings in brokerage accounts
Replies: 13
Views: 754

Re: Beneficiary Settings in brokerage accounts

Hopefully Fidelity and other brokerages maintains a history of changes in beneficiaries with a time stamp of when each beneficiary change was made. It would them be a simple manner to ensure that only beneficiary changes prior to the death of an account holder are acted upon when it is necessary to ...
by 123
Mon Nov 11, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1221

Re: Hi Def Audio listening

...Before I'm gone I'll probably think an old transistor radio sounds great... Actually sometimes I like to listen (but not for very long) to radio/music on my smartphone using the built-in speaker. In size, volume, and fidelity that comes pretty close to a transistor radio. I don't understand how ...
by 123
Mon Nov 11, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Need to add houseguests to homeowners or umbrella insurance?
Replies: 17
Views: 1086

Re: Need to add houseguests to homeowners or umbrella insurance?

I would not add house guests to any insurance policies for all the reasons that have been stated. But there is another reason not to add them and that is it can be very difficult to remove them from coverage, at least with some companies. If you add them to the policies you may need their consent to...
by 123
Mon Nov 11, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1221

Re: Hi Def Audio listening

Perhaps starting out "High end" is not the best approach. Because your ears may not be "Hi Def" anymore try some other things first. There are plenty of free radio/music streaming services like Tune-In, Pandora, etc. Try those on a computer or a phone app. There is plenty of classical music availabl...
by 123
Mon Nov 11, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuying in Los Angeles - Advice Needed
Replies: 54
Views: 3628

Re: Homebuying in Los Angeles - Advice Needed

... you will get all your money back when you sell... This is never guaranteed.There have been numerous times in the past when housing prices in Los Angeles and Southern California have declined significantly, the mortgage crisis of 2007 comes to mind. Significant declines, sometimes lengthy, can h...
by 123
Mon Nov 11, 2019 4:06 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 117
Views: 6442

Re: Investing $140k in cash at 1k per week

magicrat wrote:
Mon Nov 11, 2019 2:51 pm
The expected return on stocks is always positive...
If you can wait long enough.

The dividend yield on VTI is over 2% so that is some consolation when you're moving from fixed income.
by 123
Mon Nov 11, 2019 3:59 pm
Forum: Personal Investments
Topic: New Construction Home Purchase
Replies: 17
Views: 1165

Re: New Construction Home Purchase

Selling your current home and living in a temporary rental in your new community seems like it would give you the most flexibility while shopping for a new house.
by 123
Mon Nov 11, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: The lifestyle of an IT Independent Contractor?
Replies: 6
Views: 1105

Re: The lifestyle of an IT Independent Contractor?

Life as a contractor could vary significantly based on the type of project involved. If it's for a Megacorp project of some type it may be a dead end after 6 to 12 months. If the contract supports a government project, either related to defense/homeland security/intelligence those kind of projects g...
by 123
Mon Nov 11, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Job negotiation 101?
Replies: 14
Views: 953

Re: Job negotiation 101?

Salaries in education tend to be lower then in the private sector so I would doubt that they will be able to match your current salary (unless you are going them in a rainmaker type fundraising position). If it is a prestigious place may would work for a lower salary to add the luster of a universit...
by 123
Sun Nov 10, 2019 11:58 pm
Forum: Personal Investments
Topic: Resource suggestions for recently retired father
Replies: 11
Views: 877

Re: Resource suggestions for recently retired father

...I think he is really hung up on optimization across a really wide range of options... You may need to help him understand that the endless search for a "perfect" plan is the enemy of deciding on a "good" plan. All he needs is a good plan. We must all make choices in life that involve uncertainti...
by 123
Sun Nov 10, 2019 9:38 pm
Forum: Personal Investments
Topic: Second home
Replies: 9
Views: 1143

Re: Second home

I'll agree with the chorus that you can certainly afford a second home. As stated a second home would come with its own share of financial and physical maintenance issues that would have to be dealt with. If perhaps the second home is near children or other family maybe those burdens might be lighte...
by 123
Sun Nov 10, 2019 5:28 pm
Forum: Personal Investments
Topic: Solo 401k and earned income.
Replies: 5
Views: 293

Re: Solo 401k and earned income.

For a self-employer person earned income is net earnings (after expenses) from self-employment. Net earnings is the net profit (if any) shown on Schedule C.
by 123
Sun Nov 10, 2019 2:12 am
Forum: Personal Consumer Issues
Topic: House for Sale--How Much to Tell Potential Buyer
Replies: 35
Views: 2807

Re: House for Sale--How Much to Tell Potential Buyer

Could the HOA post a notice in a community area that potential buyers will see that says something like "Residents are advised to adjust their windows to diminish the impact of early morning maintenance (leaf blowing) at adjacent businesses"? Perhaps simple signage at complex entrance or community a...
by 123
Sat Nov 09, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?
Replies: 54
Views: 5355

Re: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?

(In an earlier post the OP indicated he/she was age 37.) At age 37 I think most people would say you need to live with the consequences of your decision. That would mean looking for another position with a different employer and not taking the backward step to the former employer. That said if your ...
by 123
Sat Nov 09, 2019 4:34 pm
Forum: Personal Investments
Topic: Please review and offer advice
Replies: 9
Views: 1225

Re: Please review and offer advice

RVohioken wrote:
Sat Nov 09, 2019 4:26 pm
...Future part time work too if we are bored...
Depending on your profession/experience the longer you are away from the work force the more difficult it becomes to step back into it. If you're open to other employment possibilities and earnings are not a priority it's easier.
by 123
Sat Nov 09, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America no local branch?
Replies: 14
Views: 724

Re: Bank of America no local branch?

Wyodoc wrote:
Sat Nov 09, 2019 12:59 pm
Does anyone know if you can wire transfer from BoA without going to a branch?
We've wired money overseas from a BoA account with their website.
by 123
Sat Nov 09, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America no local branch?
Replies: 14
Views: 724

Re: Bank of America no local branch?

The only unique thing a local bank branch might provide is a medallion guarantee or a signature guarantee on a document. (And good luck getting a medallion guarantee anywhere.) You can pretty much do everything else online or at an ATM. The last time I checked though you couldn't deposit at an ATM n...
by 123
Fri Nov 08, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 90
Views: 7210

Re: Should I buy the family cottage?

The property may be worth $500K and dad will sell it to you for $150K. So you are getting an advance "inheritance" of $350K. This strikes me as a source of potential family strife on an on-going basis. Sure you've rationalized it as a means of keeping the cottage in the family and maybe you'll be a ...
by 123
Thu Nov 07, 2019 6:24 pm
Forum: Personal Investments
Topic: Is Deferred Compensation Program Risky?
Replies: 19
Views: 2084

Re: Is Deferred Compensation Program Risky?

I would curtail additional participation/contribution to the deferred compensation program with the employer as well diversify the positions you hold in the company stock. You are risking a various nice retirement to the actions and aspirations of those idiots you work with (you may know some of the...
by 123
Thu Nov 07, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Car rental insurance experiences
Replies: 31
Views: 2792

Re: Car rental insurance experiences

After dropping comprehensive and collision coverage on our vehicles due to age we use the AMEX rental car coverage for about $18 a rental (varies with state). We now rent only a few times a year so it's fine with us. Have had one claim for stone damage/cracked windshield for around $200 and they pai...
by 123
Thu Nov 07, 2019 3:03 pm
Forum: Investing - Theory, News & General
Topic: Annuity buy out offer
Replies: 33
Views: 1563

Re: Annuity buy out offer

It would be a good idea to carefully review the annuity contract, there could be something in it that is potentially very adverse to the annuity provider. Granted that could be a very tedious process. As a tangent discussion it could just be that the annuity company wants to get that particular annu...
by 123
Thu Nov 07, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity - promotion bonus
Replies: 43
Views: 6138

Re: Fidelity - promotion bonus

This is entirely too much work and complication for a small amount of money relative to the amount you have invested. +1 Yup. If you were thinking of moving your assets/account anyway the bonus can be a motivator so they are useful in that respect. Otherwise if you've got significant assets the bon...
by 123
Wed Nov 06, 2019 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage plans
Replies: 4
Views: 476

Re: Medicare Advantage plans

More than Medicare rate? Here's a focused explanation from Wikipedia "For each person who chooses to enroll in a Part C Medicare Advantage or other Part C plan, Medicare pays the health plan sponsor a set amount every month ("capitation"). The capitated fee associated with a Medicare Advantage and ...
by 123
Wed Nov 06, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy? S-corp renting your own property tax-free for 14 days?
Replies: 12
Views: 894

Re: Crazy? S-corp renting your own property tax-free for 14 days?

There are some issues. Your property maintenance expenses are year round (taxes, insurance, utilities) but your income is only for two weeks. How much will those 5 or 6 people be willing to pay for the 14 day experience? Do your target customers have the assets/income to afford the experience you pl...
by 123
Wed Nov 06, 2019 2:36 pm
Forum: Investing - Theory, News & General
Topic: Why shouldn't I buy a Dow Jones index fund instead of TSM or the S&P?
Replies: 20
Views: 1284

Re: Why shouldn't I buy a Dow Jones index fund instead of TSM or the S&P?

If you're sitting on the fence between the three options just buy some of each and see how it works out for you. Likely one of the three will be a "winner" of the three for any time period (past, present, or future). If you hold all three you'll always have a winner!
by 123
Wed Nov 06, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 102
Views: 7723

Re: Turbotax 2019 on Amazon

https://turbotax.intuit.com/ says "TurboTax 2019 CDs will ship around November 11th, 2019" if you order directly through them (price may differ).

You likely will receive a couple (ha ha) of online updates before all forms get finalized based on past experience.
by 123
Tue Nov 05, 2019 8:21 pm
Forum: Personal Investments
Topic: Help me negotiate a lump sum payout.
Replies: 11
Views: 1300

Re: Help me negotiate a lump sum payout.

Depending on the amount of a lump sum payout your tax bracket may increase. This assumes the payments are regular taxable income. If your mortality is a consideration you may be willing to take a lower lump sum because it might cause you to come out ahead (from a financial standpoint only). From the...
by 123
Tue Nov 05, 2019 4:32 pm
Forum: Personal Investments
Topic: Whole life insurance. Dump it or other alternatives?
Replies: 21
Views: 1159

Re: Whole life insurance. Dump it or other alternatives?

...I am sure the financial advisor will also miss out on an even bigger commission if I cancel now; which is the only reason I want to cancel now... The person who sold you the policy likely got his/her biggest commission based on the premium for the first year of policy coverage. Often the commiss...
by 123
Tue Nov 05, 2019 1:31 am
Forum: Personal Consumer Issues
Topic: Working from home vs in the office
Replies: 22
Views: 1831

Re: Working from home vs in the office

There is something to be said for being in the office since you build relationships with co-workers and get a sense of what's happening in the organization. The primary problem with always working from home is that if the time comes where layoffs are necessary it is always easiest to let the remote ...
by 123
Mon Nov 04, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: PBGC and GE Pension Question
Replies: 7
Views: 811

Re: PBGC and GE Pension Question

If you are 9 years away from age 60 the biggest threat to your pension is inflation in the economy. You should look carefully at the lump-sum buyout offer you got and consider the interest rates therein. Many pension plans use IRS established rates to calculate lump-sum payouts. If the offer uses IR...
by 123
Mon Nov 04, 2019 5:02 pm
Forum: Personal Investments
Topic: Should I let UBS manage our windfall?
Replies: 23
Views: 2499

Re: Should I let UBS manage our windfall?

If you can manage the $500K you had prior to the inheritance there is no reason you can't self-manage even $5M yourself. There are just more zeros after everything you do, not really a big deal. You just have to step up to bigger numbers, nothing really makes it more complicated.
by 123
Sun Nov 03, 2019 7:50 pm
Forum: Personal Investments
Topic: Should I pay taxes now or higher fees on part of my retirement contributions?
Replies: 16
Views: 723

Re: Should I pay taxes now or higher fees on part of my retirement contributions?

Have you checked to see if your 401K plan permits in-service withdrawals? Many 401k plans allow in-service withdrawals if you are 59.5 years of age or older. An in-service withdrawal can allow you to transfer some or all of your 401k balance to an IRA. That fee on your 401k is horrendous. I helped a...
by 123
Sun Nov 03, 2019 5:30 pm
Forum: Personal Investments
Topic: CalSTRS - California Teachers' Pensions
Replies: 19
Views: 2026

Re: CalSTRS - California Teachers' Pensions

If she is vested for benefits she may also be eligible for some type of health insurance through the pension plan. She may want to investigate the health insurance options if they are available. Many times health insurance options through a group or pension plan may be better than what an individual...
by 123
Sat Nov 02, 2019 9:45 pm
Forum: Non-US Investing
Topic: [Non-US] Planning to meet a wealth management advisor for education
Replies: 16
Views: 1010

Re: [Non-US] Planning to meet a wealth management advisor for education

One risk in participating in these kind of presentations for your own entertainment is that once you are identified as a potential customer (particularly one who was open to a presentation) there is a high probability you will be targeted for future pitches, either by the same outfit or another due ...
by 123
Sat Nov 02, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: Anyone with experience in commercial construction?
Replies: 16
Views: 1338

Re: Anyone with experience in commercial construction?

Of course you've already checked the local zoning to ensure that your planned use of the property complies with local zoning rules. Some jurisdictions may differ on what's allowed or they could have other requirements for some uses, things like parking, fire safety systems, etc.
by 123
Sat Nov 02, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Workplace PIP - Next Steps?
Replies: 20
Views: 1890

Re: Workplace PIP - Next Steps?

The sudden imposition of a PIP is basically a threat. They hope she will look for and find a position elsewhere and leave on her own so they won't have the risk of litigation or have to pay severance package.
by 123
Sat Nov 02, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Interest from loans
Replies: 19
Views: 1124

Re: Interest from loans

If the loans are undocumented it is likely payments will stop with your death. If your survivors or estate ask for further monthly payments it's likely the response would be "What loans? Why do you think there was a loan?..." As long as you are aware that any pending loan balances will likely disapp...
by 123
Sat Nov 02, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Marijuana & Term Life?
Replies: 15
Views: 1831

Re: Medical Marijuana & Term Life?

As long as marijuana is illegal on a federal basis it can be an issue for the issuance (and payment of claims) of any kind of life insurance. Sometimes the issue is not the use of a drug itself but the failure to comply with existing laws. Life insurance companies may charge habitual lawbreakers (th...
by 123
Sat Nov 02, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Minimizing recurring expenses while travelling
Replies: 12
Views: 1219

Re: Minimizing recurring expenses while travelling

I would recommend you get a studio apartment in a high rise building within a few miles of an international airport. +1 on the studio apartment, you might be better off where it's cheaper some distance from an airport if you're mostly traveling. You just might want easy transit options to the airpo...
by 123
Fri Nov 01, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: Where can I find iphone deals/discounts?
Replies: 22
Views: 2229

Re: Where can I find iphone deals/discounts?

If you can tolerate not having the latest iphone version from Apple you could get a new previous-year model for significant savings. The prices often go down when a new model comes out, sometimes the price reduction is a directly lower price, sometimes they boost the base memory in the model that yo...
by 123
Thu Oct 31, 2019 10:23 pm
Forum: Non-US Investing
Topic: Investing on H1 B visa (home country india)
Replies: 1
Views: 332

Re: Investing on H1 B visa (home country india)

Plan providers generally have to withhold federal (and possibly state) taxes from 401k distributions. Due to the tax withholding process you will likely have to file a US tax return for the year(s) the distribution is taken to recover any excess withholding that may have to be refunded. Currently th...
by 123
Thu Oct 31, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: Credit Card Fraud Question:
Replies: 16
Views: 1337

Re: Credit Card Fraud Question:

Don't think the issue is over and done with when you get your new card and number. Be on the lookout for further bogus charges. Many of the credit card issuers offer an automatic update service that allows companies to be notified of replacements cards and expiration dates for things like recurring ...