Search found 3809 matches

by 123
Sat Nov 17, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: interesting call with my 80yr old mothers Fidelity advisor
Replies: 19
Views: 2316

Re: interesting call with my 80yr old mothers Fidelity advisor

If the OP's mother is just getting a standard cookbook portfolio from Fidelity perhaps she could do just as well, if not better, with a Vanguard cookbook mutual fund. Vanguard has a number of fund-of-funds, like the Target Retirement series, or the LifeStrategy series, one of which may be a close en...
by 123
Sat Nov 17, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: How to pick a wifi router to replace one we rent from Cox?
Replies: 12
Views: 529

Re: How to pick a wifi router to replace one we rent from Cox?

When I spot checked a few models on the list I saw some that were modems only but there were others that were a combination modem-router. Perhaps the OP could post the make and model of the device they wish to replace to clarify. It seems to be common for cable companies to provide a combined modem ...
by 123
Sat Nov 17, 2018 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Employment for a disabled son
Replies: 29
Views: 2148

Re: Employment for a disabled son

Some years ago we lived in town that had a "sheltered workshop" that had articles about it in the local paper a couple of times a year. From what I recall most of their "jobs" were simple 1 or 2 step assembly projects or bagging of a couple of parts. I don't know if these kinds of places still exist...
by 123
Fri Nov 16, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2258

Re: Need advice on (2) jackets.

Would down from a Mexican (or other warm weather place, like Vietnam) goose result in a less expensive jacket?
by 123
Fri Nov 16, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for a disabled son
Replies: 29
Views: 2148

Re: Employment for a disabled son

...is he eligible or able to get on the waiting list for a group home as that may provide both residential and employment opportunities? You may not like the sound of a group home but with that IQ I assume he can never live independently and you will not be here forever. +1 A group home or assisted...
by 123
Fri Nov 16, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Is this rollover restriction correct/allowed?
Replies: 3
Views: 190

Re: Is this rollover restriction correct/allowed?

I would think the employer can put any conditions it wishes on the money the employer has seperately contributed to the employee's account. The money would not be the employee's until all the conditions the employer has imposed have been met. Employers can do a lot of things to encourage employees t...
by 123
Thu Nov 15, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: The biggest / best web development technologies
Replies: 13
Views: 948

Re: The biggest / best web development technologies

Learning computer science fundamentals will take you farther than any particular piece of soon to be outdated technology. +1 The "tools" of programming are in constant flux. The problem with some "Coding" schools is that they teach "monkey see, monkey do". Now that might be fine to use the tool the...
by 123
Thu Nov 15, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: Fisher Investments
Replies: 11
Views: 1914

Re: Fisher Investments

There are a number of prior discussions on Fisher Investments which you might find of interest. To find them just type "Fisher" (without quotes) into the search box in the top right corner of the page. (Touch the magnifying glass to bring up the search box if you're on a phone.)
by 123
Thu Nov 15, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: in kind transfer from VG taxable account to VG Coverdell?
Replies: 4
Views: 132

Re: in kind transfer from VG taxable account to VG Coverdell?

Nope. In order to move funds from a taxable account you have to liquidate assets (unless you're just moving something that's cash already) and when you sell you have a taxable event. The tax rules for taxable accounts, Traditional IRAs, Roth IRAs, and Coverdell accounts are all different so the taxm...
by 123
Thu Nov 15, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: in kind transfer from VG taxable account to VG Coverdell?
Replies: 4
Views: 132

Re: in kind transfer from VG taxable account to VG Coverdell?

If the assets are withdrawn/sold from a taxable account it counts as a taxable event, so there's likely a capital gain or loss involved. You'll have to sell the asset in one account, transfer funds to the other account, and buy the asset back in the second account. If you don't want to be "out of th...
by 123
Thu Nov 15, 2018 12:50 am
Forum: Investing - Help with Personal Investments
Topic: 34 y/o & received a 72k inheritance; requesting feedback on my asset allocation/plan
Replies: 6
Views: 768

Re: 34 y/o & received a 72k inheritance; requesting feedback on my asset allocation/plan

What about using the money for education or something to increase your take home pay? I would value that more than throwing it at taxable investments. It is going to pay off more to get out of that 10% bracket. +1 While we don't know the nature of your business if you've been in the 10% bracket for...
by 123
Thu Nov 15, 2018 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Does it ever make sense to pay more tax intentionally?
Replies: 15
Views: 1602

Re: Does it ever make sense to pay more tax intentionally?

Some people seem to operate businesses solely for the purpose of consistently generating losses year after year which has a likelihood of leading to an IRS audit. In fact many of them could be much better off by strategically timing some income and/or expenses to generate at a modest profit in some ...
by 123
Wed Nov 14, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: How Do Social Security Disability Quarters of Credit Work?
Replies: 4
Views: 505

Re: How Do Social Security Disability Quarters of Credit Work?

We all need to remember that the government only knows about wages as they are "paid", not when they are earned. As far as the government is concerned they are all earned on your individual pay days, which is how wages get reported for our W-2s.
by 123
Wed Nov 14, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Question re: brokered CD at maturity
Replies: 10
Views: 862

Re: Question re: brokered CD at maturity

A brokered CD will pay off in full at maturity. If it does not pay off due to bank failure it may take a couple of days for the FDIC to make good on the CD (assuming your deposits at the bank were within FDIC limits).
by 123
Wed Nov 14, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Pension - Lump Sum or Annuity?
Replies: 7
Views: 742

Re: Pension - Lump Sum or Annuity?

In many cases the lump sum payout alternatives for pensions are calculated using interest rates established by the IRS. Often if this is the case you may see a reference to them as in your payout option calculation (sometimes referred to as Segment 1, Segment 2, Segment 3). The IRS calculations are ...
by 123
Tue Nov 13, 2018 12:19 am
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 37
Views: 2917

Re: Any space heaters that automatically maintain a temperature in a room!

We have an earlier version of this heater (https://www.costco.com/Lasko-Motion-Heat-Plus-Whole-Room-Heater.product.100421451.html) and it works very well for us. We use it in a well-insulated room that is about 200 square feet. We use it on cold days when we don't need to heat up the whole house. Ed...
by 123
Mon Nov 12, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawal options in retirement
Replies: 4
Views: 663

Re: Withdrawal options in retirement

If DW has been approved for Social Security Disability benefits at age 63 she would have no reduction in her benefit and her benefit would be the same as if she retired at FRA. (Assuming she did not file for any reduced retirement benefits for the months before she is first entitled to social securi...
by 123
Mon Nov 12, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance [still needed?]
Replies: 3
Views: 289

Re: Life Insurance [still needed?]

How soon do you plan to retire? The coverage through your employer will likely go up in cost each year. When you retire you may be able to convert it to an individual policy but the rates charged after converting group to individual coverage can be a lot, lot, lot higher. Of course the more assets y...
by 123
Mon Nov 12, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: 30" or 36" induction range for remodel?
Replies: 36
Views: 2218

Re: 30" or 36" induction range for remodel?

I'd vote for 30" as the most conventional size and therefore the easiest to find a suitable brand that is well known and will more likely be readily repairable in case you need it. While many go for expansive custom looks in the kitchen they can cause a lot of grief if things don't work out as expec...
by 123
Mon Nov 12, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: which way is simpler if NOL
Replies: 8
Views: 569

Re: which way is simpler if NOL

NOL = Net Operating Loss
by 123
Mon Nov 12, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Wanting to move my family but where to begin?
Replies: 21
Views: 2368

Re: Wanting to move my family but where to begin?

I would explore job opportunites in your expected new areas before I'd plan a move. I would seriously expected to have the metro Chicago area to have more (and likely better) opportunities than a lot of the surrounding areas. The risk of moving out of the Chicago area jobwise is that you very well m...
by 123
Sun Nov 11, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Wife approved for SS Disability. Any way to reduce the wait time for Medicare?
Replies: 8
Views: 1097

Re: Wife approved for SS Disability. Any way to reduce the wait time for Medicare?

Have you explored eligibility for Cal-COBRA? It's an 18 month extension of the Federal COBRA eligiblity under California law that applies in many situaitons.http://www.dmhc.ca.gov/healthcareincali ... obra).aspx
by 123
Sun Nov 11, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Diversifying term life insurance providers
Replies: 12
Views: 772

Re: Diversifying term life insurance providers

Many insurance companies don't carry the entire risk of policies themselves. In many cases they carry a base level of something like $500,000 or $1 million themselves and the policy amounts above that are handled by shared reinsurance pools (this process is transparent to the policyholder). You migh...
by 123
Sun Nov 11, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Paying life insurance for parents
Replies: 13
Views: 1279

Re: Paying life insurance for parents

What are the projected premiums for futue years? How long are they fixed at $430 monthly? When will they reset again? Some policies can have the premium reset every year. Seeing the future of the policy may help you in making a deicison about the current situation. If they made the decision to acqui...
by 123
Sun Nov 11, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Severance | 401(k)
Replies: 20
Views: 1922

Re: Severance | 401(k)

Depending on your "new" job there can be a waiting period for 401K enrollment, sometimes coverage is immediate, some places may only do quarterly enrollments etc. I would tend to contribute the max to 4011k, foregoing some match, for "good luck" in quickly finding successor employment.
by 123
Sat Nov 10, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: 20th Anniversary vacation ideas wanted
Replies: 29
Views: 1862

Re: 20th Anniversary vacation ideas wanted

Take a cruise out of Los Angeles if you haven't already.There are some that depart Los Angeles and also return back to Los Angeles. Likely well within your budget and no hassles.
by 123
Sat Nov 10, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Workers compensation policy -- how to source (as employer)
Replies: 6
Views: 492

Re: Workers compensation policy -- how to source (as employer)

...Their homeowner's policy does not have an option to add WC... You might want to consider switching their homeowner's to a carrier that will offer WC coverage as well (even if a separate policy). It would just seem to be easier that way. To locate WC carriers in your state you may want to check w...
by 123
Sat Nov 10, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3522

Re: International Travel during Maternity/Paternity

I think it would be a little too early to be looking for diversions from childcare responsibilities. Echoing other comments I would be concerned about exposure to foreign environments before the child has developed an effective immune system (I would not even advise extensive domestic travel with a ...
by 123
Fri Nov 09, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Tips for protecting buyer from fraud by seller
Replies: 5
Views: 480

Re: Tips for protecting buyer from fraud by seller

Be strategic in your purchases to limit risk of loss. Buy 1 of 10, if okay, buy a couple more, until you've got the 10 you're after. You could offer something like $100 to "reserve" all of them for 30 days. I would suspect that the "best" ones might be sent first so you'll keep buying.
by 123
Fri Nov 09, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 20
Views: 2416

Re: Apple - Old Product Boxes - Keep or Dispose?

While we keep boxes in the event a return is necessary for the manufactuer's warranty after the warranty has expired the boxes go to recycling. The chances of any special box having any special value and you being able to sell the box for any special value are likely pretty close to nil.
by 123
Fri Nov 09, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Old Investment Articles & Interviews
Replies: 11
Views: 898

Re: Old Investment Articles & Interviews

The only articles I have ever saved, either on paper or computer have been articles that involved a family member or friend. I assume everything else will be available online if it has ongoing value or interest. Many investment articles or themes are recycled or updated on an annual (or oftener) bas...
by 123
Fri Nov 09, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: State retirement pensions thoughts?
Replies: 36
Views: 3738

Re: State retirement pensions thoughts?

We have an uncle who has done extraordinarily well with state retirement pensions. He worked for lengths of time for a couple of fire districts as well as a local city. He collects THREE different retirement pensions from the same state retirement fund since each employment pension is handled sepera...
by 123
Fri Nov 09, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use a Wealth Manager?
Replies: 26
Views: 3092

Re: Anyone use a Wealth Manager?

We have given Vanguard complete control of our retirement accounts by investing them 100% in a Vanguard LifeStrategy fund that matches our asset allocation. It costs us 0.0013% annually ($1,300 per $1 million). Typical fees for many wealth managers are 1% or higher annually ($10,000 per $1 million),...
by 123
Fri Nov 09, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Specifying degree field on resume or not
Replies: 6
Views: 596

Re: Specifying degree field on resume or not

You may want to think about how your school classified your major. Different schools package things in various ways. You job on the resume is to make the subject matter of your education clear and understandable to the potential employer. If I had a degree that was awarded with a major like marketin...
by 123
Fri Nov 09, 2018 12:56 am
Forum: Investing - Help with Personal Investments
Topic: Convinced wife to invest but wants her own accounts
Replies: 22
Views: 3372

Re: Convinced wife to invest but wants her own accounts

If you want to look at your combined assets as "one portfolio", which is perfectly reasonable, you can let her go her own way with her asset allocation you can simply adjust yours to achieve the desired consolidated result. You don't have to necessarily mirror asset allocation on each side as long a...
by 123
Fri Nov 09, 2018 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Did VG make a mistake on my 1099R?
Replies: 7
Views: 911

Re: Did VG make a mistake on my 1099R?

After briefly looking over the preparation instruction for for 1099 https://www.irs.gov/pub/irs-pdf/i1099r.pdf it seems that the refund of contribution that the OP requested from Vanguard should have been treated as a Corrective Distribution (page 7) and likely should have been coded with distributi...
by 123
Thu Nov 08, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: Stock Delisted, what now?
Replies: 10
Views: 1930

Re: Stock Delisted, what now?

Many brokers will accommodate investors with worthless stock by buying the stock for $0 (zero) and thus allowing the investor to book a sale/disposition. Of course they charge the regular fee for selling.
by 123
Thu Nov 08, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Job vs term life insurance
Replies: 35
Views: 3041

Re: Job vs term life insurance

Group life insurance from your employer can often be converted to an individual policy after employment ends. The premium will likely go up substantially (sometimes extraordinarily) because the only people that convert are those that likely can't get insurance elsewhere. If people are working at a j...
by 123
Thu Nov 08, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 3937

Re: High-end Christmas decorations

I have found the Christmas decorations that I like the best are simple ones that I have acquired over the years. Things like a partial set of 7 (that are left) hanging ornaments that used to hang on my (deceased) grandmother's tree and various Christmas ornaments/trinkets that I have been given over...
by 123
Thu Nov 08, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: New Treadmill - Proposition 65 Warning Label
Replies: 22
Views: 2029

Re: New Treadmill - Proposition 65 Warning Label

In California Proposition 65 warning labels seem to be all over the place. I don't particularly concern myself with them most of the time. The warnings are probably beneficial in the long run but some product compounds, like plastics, are so pervasively used in consumer products that it would be dif...
by 123
Thu Nov 08, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Statue of limitations on taking back unvested $ in 401K? What if value of match is now lower than original deposits?
Replies: 10
Views: 866

Re: Statue of limitations on taking back unvested $ in 401K? What if value of match is now lower than original deposits?

A lot of your questions will depend on the specific provisions of the employers plan. You can generally get a complete copy of the plan (not a summary) by contacting your employer. Make sure you request a complete copy of the plan. Some of them are hundreds, if not thousands, of pages depending on t...
by 123
Thu Nov 08, 2018 1:04 am
Forum: Personal Finance (Not Investing)
Topic: How to plan for bonus without knowing amount?
Replies: 32
Views: 1887

Re: How to plan for bonus without knowing amount?

Don't count your chickens before they hatch. You can plan for income where the amount is unknown by simply developing a strategic plan with ongoing priorities for the use of incoming bonus funds as they arrive. You could have multiple plans based on the size of the bonus (allocate based on percentag...
by 123
Wed Nov 07, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: If expenses are low, are some of us over saving?
Replies: 120
Views: 11692

Re: If expenses are low, are some of us over saving?

Having savings gives the individual more options and makes a wider variety of choices available.
by 123
Wed Nov 07, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 3937

Re: High-end Christmas decorations

In some big metropolitan areas there is a store(s) that only sell Christmas stuff (sometimes seasonal, sometimes all year). To see if there are any in your area you might try searching for "Christmas Store" (without quotes) in google and yelp. For example in the Los Angeles area there is a seasonal ...
by 123
Wed Nov 07, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 742

Re: Moving TMobile account from flip phone to iPhone

We had one old flip phone on a $10 a year (+10 cents a minute prepaid talk) plan with Tmobile that was on a Legacy or grandfathered plan. We had an old iphone (due to an upgrade by another family member). We were able to use a sim cutter to take the sim out of the GSM flip phone and insert it into t...
by 123
Wed Nov 07, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: How much to donate to local police and fire department?
Replies: 23
Views: 1773

Re: How much to donate to local police and fire department?

As others have said I would exercise an abundance of caution to verify that the solicitor is actually acting on behalf of my local police and/or fire department before I would donate any money. There are a lot of scams. In one area I lived in there were newspaper stories that telephone fraudsters wo...
by 123
Wed Nov 07, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: RMD questions
Replies: 10
Views: 715

Re: RMD questions

I think we are assuming that the inherited IRA is from your spouse. If the inherited IRA is not from your spouse different rules apply.
by 123
Tue Nov 06, 2018 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity International Wire Currency Exchange Rates
Replies: 13
Views: 1455

Re: Fidelity International Wire Currency Exchange Rates

Fidelity's fee schedule has some information: https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/brokerage_commissions_fee_schedule.pdf It says on page 4: OTHER FEES AND COMPENSATION All Accounts Foreign Currency Wires up to 3% of principal; charged when converting USD to wire funds ...
by 123
Sun Nov 04, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: How many eggs in one basket?
Replies: 24
Views: 2765

Re: How many eggs in one basket?

We have accounts spread among Fidelity, Schwab, and Vanguard. It didn't happen intentionally but that the way things turned out. When we retire we'll have 401ks to roll over that will undoubtedly change any "balance" we try to achieve before then. I think it's okay to spread things around if it make...
by 123
Sun Nov 04, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: One Fund Portfolio
Replies: 8
Views: 1297

Re: One Fund Portfolio

I had similar concerns and have moved most of our tax deferred accounts to one of the Vanguard LifeStrategy fund-of-funds that matches our asset allocation. As long as you find something that matches your asset allocation you're good. For the Vanguard Lifestrategy fund I regard the higher fee, $1,00...