Search found 3067 matches

by 123
Thu Apr 19, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 16009

Re: anyone else not liking the new cars?

The compact models in car lines I'm interested in, Toyota and Honda, have "grown" by about a foot in length over the years. That's just enough to make them unattractive as replacements because an extra foot in length limits my parking options in city areas where the curb cuts were established for sh...
by 123
Thu Apr 19, 2018 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Mistake while Paying Estimated Taxes
Replies: 1
Views: 339

Re: Mistake while Paying Estimated Taxes

I would wait a week or longer after the failed/returned payment before I did anything. In some cases the payee (or their electronic system) will automatically resubmit the item (check or maybe electronic payment) if the first attempt fails after a couple of days. I miscalculated the daily balance in...
by 123
Thu Apr 19, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 3934

Re: Another discussion about private vs public schools?

Of course a lot depends on the community in which you live but if the nugget is to have a life that includes other children in the neighborhood than public school (either in your community or an alternate community) is a way to encourage that. Private schools tend to draw from a broader geographic a...
by 123
Thu Apr 19, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3317

Re: Good Dad, Bad Dad

If family circumstances allow it why can't he just use one of your existing two cars if he needs to (which I suspect would work out unless you and spouse have work hours that would conflict)? If public transit will work for getting to school I would think he could live with that as a starter. There ...
by 123
Thu Apr 19, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Tax-efficient way of distributing company stock through probate?
Replies: 3
Views: 286

Re: Tax-efficient way of distributing company stock through probate?

Since the basis of the stock would have been reset at the date of death it probably doesn't make much, if any, tax difference. Though I'm sure could be sentimental issues if I were the executor I would sell the stock and distribute cash. Having the estate sell the stock makes it a clean break for ev...
by 123
Thu Apr 19, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4261

Re: Factor in evaluating Physicians

I have sometimes taken elderly family friends to see their doctor who has a small practice with maybe 3 other physicians. I am constantly amazed at the parade of what I presume are pharmaceutical sales reps that stop by the office asking to see one of the physicians just about every time I am sittin...
by 123
Wed Apr 18, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Buy rental property out of state !
Replies: 16
Views: 1264

Re: Buy rental property out of state !

Get ready to hear a lot of "The check is in the mail" promises.
by 123
Tue Apr 17, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Relative Never Took RMDs on Inherited IRA From 2004
Replies: 19
Views: 2268

Re: Relative Never Took RMDs on Inherited IRA From 2004

I think Fidelity keeps a 10 year history of statements available online so if the account holder has online access that could simplify at least the last 10 years. I am almost afraid to think what the account was likely invested in since it was inherited in 2004. While of course the account holder ma...
by 123
Sun Apr 15, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 2893

Re: Las Vegas hotel

People from Los Angeles and elsewhere fill the place up on Friday and Saturday nights so those nights hotel rates are high. Rates for Sunday through Thursday nights are often much, much, lower during most of the year.
by 123
Sun Apr 15, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Mozart in the morning, please
Replies: 18
Views: 2274

Re: Mozart in the morning please

...But Bose Wave Radios break after a few years and replacement is $ Any other solutions? Thanks, RbH A few years back retiredbuthappy discussed his/her $3 million portfolio. How's it been doing? I think retiredbuthappy deserves a new Bose Wave Radio if that worked for him/her before. Spend a littl...
by 123
Sat Apr 14, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Investment Life
Replies: 12
Views: 1833

Re: Simplifying Investment Life

It's not unusual for a couple to have a lot of accounts and to not be able to reduce the count since each account is a distinct tax entity. Doesn't look like you've hit the issue of inherited IRAs yet, you may have more accounts down the road. We've got a lot of accounts and I've found the easiest w...
by 123
Thu Apr 12, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Family shared real estate purchase - how to best structure?
Replies: 14
Views: 895

Re: Family shared real estate purchase - how to best structure?

Assuming this is an "all cash" purchase, primary cash from parents and supplemental cash from children, it's possible to hold the property deed in joint ownership, NOT with rights of survivorship, with percentages of ownership apportioned to each of the parties that contributed cash to the purchase....
by 123
Thu Apr 12, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Men's Boxer briefs without brand/embossing
Replies: 10
Views: 1099

Re: Men's Boxer briefs without brand/embossing

OK, someone had to ask, might as well be me. Why do you care? No one has ever mentioned labels on my boxer briefs. Just curious. I'll chime in and guess that the OP is going to be involved in some type of photography or video presentation and one of the ground rules may be that you cannot display a...
by 123
Thu Apr 12, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Any aggressive index funds in your portfolio?
Replies: 35
Views: 3145

Re: Any aggressive index funds in your portfolio?

I have Vanguard Extended Market ETF - VXF as the only fund in a comparatively small Roth IRA. I am not ashamed. It is a tilt to my wild side.
by 123
Wed Apr 11, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 9747

Re: Mid-40s in tech - how to pass off as acceptably young

Drop your graduation date from your resume if it's there. If possible drop earliar jobs from your resume so you'll have less experience (and seem younger).
by 123
Wed Apr 11, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Weekly Commuting
Replies: 22
Views: 2010

Re: Weekly Commuting

I've done similar business travel weekly for 3 months at times between the Bay Area and Southern California. Short flights, Southwest works great. Leave home and fly Monday morning and return home Thursday evening or Friday afternoon. Gets to be an easy routine.
by 123
Wed Apr 11, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 4647

Re: realtor wants to show house to buyer, no listing agent for me

If you're not interested just tell the realtor to stop bothering you. If you want to proceed simply tell the realtor that you are willing to let the potential buyer see the house, with no obligation on the part of anyone, for a touring fee of $5,000 for a one hour tour. You don't care if the fee is ...
by 123
Wed Apr 11, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Medical Records
Replies: 21
Views: 1264

Re: Medical Records

You're probably not the only one with issues involving medical records from the physician. Either contact the local County Medical Society, if there is one, or the medical board that licenses physicians in your state. Either one may be able to advise you how to proceed. You could also just start wit...
by 123
Tue Apr 10, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability Timing Question
Replies: 5
Views: 696

Re: Social Security Disability Timing Question

The disabled worker should file for disability benefits as soon as possible since there is obvious disability and the processing of claims does take some time usually. When the disabled worker files for benefits the social security office will ask about marriage and children and identify all potenti...
by 123
Tue Apr 10, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Reits in Coverdell Education Account
Replies: 2
Views: 125

Re: Reits in Coverdell Education Account

It could depend on how far you are away from expecting to withdraw the money to use it. I have used Vanguard Total Stock Market in the Coverdells and other accounts we had for our kids starting when they were small and it was one of the best decisions I ever made. A REIT dividend, by itself, is not ...
by 123
Tue Apr 10, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Owners Title Insurance - Super Heavy Handed Pitch
Replies: 101
Views: 5665

Re: Owners Title Insurance - Super Heavy Handed Pitch

Owners Title Insurance protects you against "what you don't know". Could be anything from 100 year-old pipeline or utility easements to survey issues. If risk of total loss won't impact your standard of living, now or in the future, I'd say you can forgo it.
by 123
Tue Apr 10, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Should I prewire my home network myself?
Replies: 40
Views: 2270

Re: Should I prewire my home network myself?

The key is success is running single cable full-length from your common patch panel location to each room outlet. Don't attempt to use signal splitters (cable/broadband) or other gizmos to "save on wire".
by 123
Tue Apr 10, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Roths are our only retirement option. Should we use them to hold equities?
Replies: 13
Views: 1022

Re: Roths are our only retirement option. Should we use them to hold equities?

The common wisdom seems to be to hold income investments, like bond funds, in a traditional IRA since they're taxed as regular income anyway. You can make a case that putting them in a Roth is good to avoid any taxation of their interest/dividends. Because the Roth is tax-free (if you meet all requi...
by 123
Tue Apr 10, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Prescription drug costs
Replies: 22
Views: 1203

Re: Prescription drug costs

I thought the price comparison for 5 sample drugs among various outlets was interesting. Costco was generally the cheapest among brick-and-mortar places. The one thing that surprised me was the CVS/Target was most expensive (of those in the sample). My brother recently had to change his prescription...
by 123
Mon Apr 09, 2018 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area - Switch Companies to Avoid Price Out?
Replies: 18
Views: 2277

Re: Bay Area - Switch Companies to Avoid Price Out?

Big 4 accounting has a career path that can allow some to do very, very, well. But that's not everyone for a variety of reasons. Lots of people jump over to accounting/finance positions in tech companies. Something to consider. If you're a CPA with Big 4 experience you can do well outside of Big 4.
by 123
Mon Apr 09, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on selling small paid-up whole life policy
Replies: 2
Views: 297

Re: Advice on selling small paid-up whole life policy

It can be very difficult to accurately estimate the cash surrender value of a policy this old. You can write to the insurance company and ask them to give you a quote on the current cash surrender value, include the policy number in your letter and/or include a copy of the policy issuance page. You ...
by 123
Mon Apr 09, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 28
Views: 2036

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

There are some well-known airlines that offer packages of airfare and hotel that are sometimes less than the airfare alone, or are about the same as the airfare alone. In some cases if you don't need the hotel (i.e. staying with relatives, friends, etc) you would come out ahead booking the package a...
by 123
Mon Apr 09, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Trust company sent information about my inheritance to relatives by mistake...
Replies: 3
Views: 955

Re: Trust company sent information about my inheritance to relatives by mistake...

When I received an inheritance from a small estate that went through probate 3 years ago the distribution notice from the attorney handling the estate identified all of the beneficiaries of the estate by name (and address I believe) as well as the specific dollar figure they were each receiving. Sin...
by 123
Mon Apr 09, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Cancelling/Cashing out Whole Life Insurance
Replies: 5
Views: 365

Re: Cancelling/Cashing out Whole Life Insurance

You might want to put "1035 Life Insurance" (without quotes) in the search box in the top right corner of the screen to identify prior discussions. Some people exchange whole life policies with cash value to annuities (often with Vanguard). The exchange allows all of the policy premiums to be counte...
by 123
Mon Apr 09, 2018 12:09 am
Forum: Personal Consumer Issues
Topic: Cruise or other vaca ideas for Dad w/13yr old twin boys?
Replies: 36
Views: 2279

Re: Cruise or other vaca ideas for Dad w/13yr old twin boys?

Of course we don't know the family situation but generally I think 13 year old boys would rather spend time with other kids of similar age than to hang around with a parent. Maybe find a location with 2 or 3 water parks where you can take the boys over the course of the week. The earlier suggestion ...
by 123
Sun Apr 08, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Really?? "Hummer loophole" (Section 179+bonus depreciation deductions) for simple rental property biz?
Replies: 15
Views: 1310

Re: Really?? "Hummer loophole" (Section 179+bonus depreciation deductions) for simple rental property biz?

I am amazed at the inconvenience people will endure for the sake of a tax deduction. In my neighborhood there are a couple of households that have one of these super-sized trucks that qualify for these business tax deductions. They are usually unable to park them within our cul de sac due to their l...
by 123
Sun Apr 08, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach
Replies: 18
Views: 1328

Re: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach

The Vanguard LifeStrategy funds are each fund-of-funds. Each of them includes a predefined mix of 4 other Vanguard funds. So you are getting an automatic 4-fund mix. If the asset allocation of the 4 funds works for you (it may not be perfect but "good enough") one of the LifeStrategy funds may be a ...
by 123
Sun Apr 08, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation w/ Special Needs Child
Replies: 16
Views: 794

Re: Asset Allocation w/ Special Needs Child

Some public school districts in some states can provide extraordinary individual education programs (IEPs) often starting at about age 3. These IEPs are geared to the specific needs of the child and can include transportation from the home to the school in the morning as well as transportation to th...
by 123
Sun Apr 08, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4373

Re: Handling ageism in tech

You may need to consider career alternatives as you approach the darker side of 30.
by 123
Sun Apr 08, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Trustees of Special Need Trusts - Who Files your Beneficiary's 1040?
Replies: 9
Views: 530

Re: Trustees of Special Need Trusts - Who Files your Beneficiary's 1040?

The first issue is whether the trustee of the special need trusts are correctly withholding any federal or state taxes. Generally the beneficiary is responsible for filing his or her own 1040. No one else can step in unless they are a legal guardian or are authorized, in writing, by the beneficiary....
by 123
Sun Apr 08, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach
Replies: 18
Views: 1328

Re: Single Vanguard LifeStrategy fund for retirement vs 2- or 3-fund approach

I believe the LifeStrategy funds will likely try to maintain their asset allocation on a day-to-day basis so you have active re-balancing on a far more rigorous and consistent level than anyone would do as an individual.
by 123
Sun Apr 08, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Higher total income in retirement than during working?
Replies: 51
Views: 4464

Re: Higher total income in retirement than during working?

This is not hard to accomplish for a great many people. From my experience with older friends and relatives it is often very easy to do. Accomplishing it may not occur immediately upon retirement but rather some years later on. People who were always "savers" and are now in their 80's or older could...
by 123
Sat Apr 07, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 13855

Re: Parents have zero savings. What can I do?

There are a number of senior apartment housing options available for seniors in many cities. Many have a waiting list to get in. I would look into those and get some of the application packets from those in the area. Pass them along to the in-laws, the ball is then in their court. Should they then r...
by 123
Fri Apr 06, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: How to sell a diamond?
Replies: 8
Views: 1121

Re: How to sell a diamond?

How about having it mounted in some kind of body part piercing ring? You or your spouse could be trendy.
by 123
Fri Apr 06, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: What is Megacorp?
Replies: 62
Views: 4467

Re: What is Megacorp?

I think Dilbert for Megacorp. http://dilbert.com/
by 123
Fri Apr 06, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 39
Views: 3901

Re: Who uses the 3 fund portfolio ?

I used a basic 3 or 4 fund portfolio for a number of years. A few months ago I started to switch accounts to a Vanguard LifeStrategy fund that was close enough to my desired asset allocation. I had no issue myself with the 3 or 4 fund portfolio, I didn't mind re-balancing. I am switching to a fund-o...
by 123
Fri Apr 06, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3446

Re: How often do you replace your office shoes?

Before we moved to more casual attire at work I rotated through 4 or 5 pair of identical black dress shoes. I had a nearby shoe repair guy who put new soles and heals on them for me every couple of years. I brought 4 pair in for refurbishment at a time so the repair guy knew the drill and would usua...
by 123
Fri Apr 06, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Car was totaled, next steps?
Replies: 18
Views: 857

Re: Car was totaled, next steps?

It is your insurance company that is "totaling" your car and affixing a value to it. Your dispute is with them and not with the other driver. Your insurance agreement gives your insurance company the right to pursue a claim against the other driver and/or his/her insurance company. Your interface is...
by 123
Fri Apr 06, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: New claim from prior health insurance
Replies: 3
Views: 291

Re: New claim from prior health insurance

If you have doubts I would not click on an links in the email to log-in. Instead you should go to the carrier's website and independently log-in or call them for more information.
by 123
Thu Apr 05, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: What can I do with Cash in a Traditional IRA
Replies: 2
Views: 348

Re: What can I do with Cash in a Traditional IRA

Likely you cannot. While there are IRA custodians that accommodate some outside investments those investments are typically very limited and the IRA custodians in those cases often charge significant fees. There are some outside investments that can be held with an IRA but they generally require tha...
by 123
Thu Apr 05, 2018 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Are Callable CD's For Real?
Replies: 6
Views: 644

Re: Are Callable CD's For Real?

The the placard or sign on the FA's desk that should indicate that non-deposit investments are not insured by the FDIC. That's why you have to deal with a separate person in a bank branch at a different desk for "investment" products - the purpose is to clearly separate the operations of the bank, w...
by 123
Thu Apr 05, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Starting a home search... Late 60s rancher?
Replies: 18
Views: 1508

Re: Starting a home search... Late 60s rancher?

In a 60s rancher you will likely have one double outlet per wall in each room. New construction now have usually 2 double outlets per wall. In the kitchen you will also notice the same one outlet per wall versus today's new kitchen construction which has outlets usually every 2 or 3 feet along the c...
by 123
Thu Apr 05, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Insurance broker - do you use one?
Replies: 4
Views: 398

Re: Insurance broker - do you use one?

Insurance brokers are paid commissions based on the policies they sell. Typically they receive a higher commission on a new policy than on a renewal (where commissions may fade out after a couple of years depending on the company). The risk of having a broker can be that they periodically suggest th...
by 123
Thu Apr 05, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Large Single Stock Position - Can't Sell - Retirement Account
Replies: 45
Views: 3057

Re: Large Single Stock Position - Cant Sell - Retirement Account

If you cannot sell it then it really isn't part of any allocation(since you can't convert any value it represents from stocks to bonds or bonds to stocks). It's just something extra you've got, like stuff in a closet or in a garage. If you can't sell it it's not a financial asset.
by 123
Thu Apr 05, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Permanent DINK couples - Considerations, thoughts, etc?
Replies: 40
Views: 4435

Re: Permanent DINK couples - Considerations, thoughts, etc?

So much free time to be unabashedly self-indulgent. No baby supplies to buy, no crying babies in the home, no vacation plans "adjusted" to accommodate little ones in the household, no toddler/kid messes in the home, no dealing with pediatricians, no arranging play-dates, no kid soccer practices, no ...