Search found 3703 matches

by 123
Fri Oct 19, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 35
Views: 2639

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

Well, you took the job knowing that there would be a ridiculous one month notice, didn't you? You should give them one month notice, or be prepared for a pay cut. That's only fair because you agreed to the rules when you took the job. It is extremely unlikely that the OP was given a copy of the emp...
by 123
Fri Oct 19, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Education Savings Account
Replies: 4
Views: 359

Re: Education Savings Account

We used 100% Vanguard S&P 500 and then switched to 100% Vanguard Total Stock Market after a few years for the ESAs for our children. If I were you and college was so close I would just cash it all out into Vanguard MMF, markets are near all time high and you've had an excellent run with it. Accept y...
by 123
Fri Oct 19, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 153
Views: 11759

Re: What time do you get up in the morning?

M-F I get up at 5:35 a.m. to cook breakfast for the family.
by 123
Fri Oct 19, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3760
Views: 1068345

Re: What Movie Have You Recently Watched?

I saw "Halloween (2018)" last night on preview night. I was very disappointed in about the first 20 minutes of the movie, it seemed like it was taking forever to get anywhere. But then things picked up and kept on going until the end. It was scripted as if the movies after the original Halloween nev...
by 123
Fri Oct 19, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 35
Views: 2639

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

From the Washington State Department of Labor & Industries https://www.lni.wa.gov/WorkplaceRights/Wages/PayReq/FinalPay/default.asp: "Paid vacation, holiday, and severance pay are considered voluntary benefits that a business may choose to offer workers. Washington State law does not require a busin...
by 123
Fri Oct 19, 2018 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 100
Views: 4463

Re: Depositing Cash if it was gifted?

Some people run around to a bunch of different branches of the same bank to divy up a large deposit, or they split the deposit up over a number of days, or some combination of these. You should be aware that many banks have automated tools that aggregate cash deposits made at different branches and/...
by 123
Fri Oct 19, 2018 12:38 am
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 31
Views: 3202

Re: Forever Stamps as an Investment?

One problem with this is the low denominations of the stamps. How many three or four cent stamps do you want to put on one envelope? You need to leave room for the address. They might be more practical for mailing packages where you have more space. If there are too many stamps on a package people ...
by 123
Wed Oct 17, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 45
Views: 3397

Re: Cross-country trip via Amtrak

When I was a teenager I traveled from the west coast to the midwest to stay with relatives there during the summer. I've always enjoyed train travel in other countries. It's on my "list" to do more Amtrak travel when time permits. I think one-way is probably preferred to roundtrip to avoid duplicati...
by 123
Wed Oct 17, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: Treasuries safe?
Replies: 33
Views: 1520

Re: Treasuries safe?

If anyone (individual or foreign government) dumped a large amount of Treasury securities at low prices (causing themselves a great loss) the US Treasury might well buy those securities up itself and, in effect, buy back the debt of the United States at a discount. It would likely be great event for...
by 123
Wed Oct 17, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Treasuries safe?
Replies: 33
Views: 1520

Re: Treasuries safe?

Treasuries are backed by the printing presses and taxation ability of the United States government. They are generally considered to be the safest investment in the world. Depending on the interest rate and maturity date there is buying and selling in the secondary market. Even if the treasury secur...
by 123
Wed Oct 17, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 39
Views: 2204

Re: Car servicing

It's time to find an independent repair shop. I have used one for our Toyota and it's been great. One guy is in charge and he has 2 or 3 helpers/mechanics that work with him. Sure the shop may look worn, needs a paint job, no waiting room, no free coffee but the guy you talk to is likely the guy tha...
by 123
Wed Oct 17, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 49
Views: 4273

Re: Best way to complain about Hertz bait-and-switch?

I would write a letter of complaint to the president of the board of directors of the airport demanding the the airport cancel the airport space lease for Hertz (and its affiliated companies) due to its failure to meet its commitments to customers. I would also request that the airport bar Hertz (an...
by 123
Wed Oct 17, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: How much life insurance for cancer survivor? OR, can I even get insured?
Replies: 16
Views: 1223

Re: How much life insurance for cancer survivor? OR, can I even get insured?

I would be shopping for not less than $1 million. You have to also consider the likelihood of inflation over time that diminishes the cost of the policy over time but also diminishes the purchasing power of the face amount.
by 123
Wed Oct 17, 2018 1:11 am
Forum: Investing - Help with Personal Investments
Topic: More safe: Treasury ETF or Bank Account
Replies: 6
Views: 841

Re: More safe: Treasury ETF or Bank Account

If you want virtually unlimited US Government backing buy treasuries and hold them at treasurydirect.gov
by 123
Tue Oct 16, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Visiting the Statue of Liberty
Replies: 8
Views: 660

Re: Visiting the Statue of Liberty

National Park Service info: https://www.nps.gov/stli/planyourvisit/fees.htm

I was in NYC on business over the weekend and went and got walk-up tickets for a visit early on a frigid Sunday morning in January about 25 years ago. It might not be so easy now.
by 123
Mon Oct 15, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: HDMI Splitter or Switch?
Replies: 24
Views: 1362

Re: HDMI Splitter or Switch?

I have an old 42" Panasonic plasma hanging on the wall in our basement that still works and looks great. Congradulations on the Panasonic plasma. We had one and enjoyed it until it died a couple of years ago. While I was sorry to see it go (it also helped to heat the room on chily nights) our elect...
by 123
Mon Oct 15, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4110

Re: Relocation to California

Until quite recently lived in Lost Angeles for over 30 years. I think I know a thing or two about it. I'd characterize it as a living hell. Driving of any kind hellacious. When I told people I had finally gotten my i'm moving get out of jail free card every conversation centered around how impossib...
by 123
Mon Oct 15, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 4783

Re: Kids not interested in money / allowance

One of our children, out of college now for a few years, is still not very interested in money. Child still lives with us but works and pretty much all earnings goes into savings account (including Roth). Most of child's spending has been on books over the years (like her parents) but that has dropp...
by 123
Sat Oct 13, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5064

Re: Need new email address. Gmail or ???

Gmail is popular and trendy. Note that if you are hoping for a vanity email, like bowtie@gmail.com, it might not be available. However you might have success with securing an email address with mr, ms, or miss like mrbowtie@gmail.com. Good luck.
by 123
Sat Oct 13, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Garage door design
Replies: 7
Views: 442

Re: Garage door design

Wood or steel panels? We went with wood. I would think steel would be more likely to have problems with dents.
by 123
Sat Oct 13, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Garage door design
Replies: 7
Views: 442

Re: Garage door design

Since a garage door generally fronts the street it needs to be in harmony with the rest of the house and likely the neighborhood. Sometimes an inocous design/color is used for the garage door so it doesn't stick out like a sore thumb. Most people don't want to make the driveway and garage door the f...
by 123
Sat Oct 13, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3070

Re: Reducing overall medical costs. Do we do anything?

dm200 wrote:
Sat Oct 13, 2018 2:18 pm
...I also wonder what is "magic" about the one year free (to patient) annual physical. I still do it every 12 months, but am considering stretching it out a few months.
It's probably more "magic" to the physician. "Voila" a periodic revenue stream.
by 123
Sat Oct 13, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: defaulted Puerto Rico bonds - keep or sell ?
Replies: 3
Views: 459

Re: defaulted Puerto Rico bonds - keep or sell ?

It's not clear from your post that you are determining the potential gain/loss on the bonds correctly. Since you inherited the bonds the value of each bond was stepped up or down to the market value on the date of death. It is the value on the date of death that will determine your potential gain or...
by 123
Sat Oct 13, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: how to put different ETF in different accounts
Replies: 27
Views: 1124

Re: how to put different ETF in different accounts

... 1) we have about 1.3 million of investable asset. Should I hire a professional manager to manage it for me? I understand bogleheads advocates for low fee index fund investing. But what're the pros/cons of hiring a financial advisor in consideration of my asset in terms of planning for early ret...
by 123
Fri Oct 12, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Gas Fireplaces
Replies: 22
Views: 1636

Re: Gas Fireplaces

I am considering purchasing a freestanding direct-vent gas fireplace for use as emergency heat in the event that I lose electricity in the winter. This is a particular concern during a blizzard, where I often am trapped in the house due to huge snow drifts, and the temperature can drop below zero w...
by 123
Fri Oct 12, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: No bill to me - but found strange things on my health plan records
Replies: 32
Views: 2739

Re: No bill to me - but found strange things on my health plan records

It's possible that there's no mistake at all. Do you get ongoing maintenance perscriptions from Kaiser? Maybe it was a review of your medical history or lab test history in connection with (what looks to you like) an automatic renewal of perscription refills. Such a review might not depend too much ...
by 123
Fri Oct 12, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: independent advisor
Replies: 21
Views: 1592

Re: independent advisor

...First meeting to collect and sign documents = $75 ( ? ) ... This would concern me greatly. Sounds like he may intend to take over your money and accounts and then just bill you. f you use this financial advisor you pay $150 an hour for one person. If you ask here you pay $0 for hundreds of eyeba...
by 123
Thu Oct 11, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Can a Person Under 21 Rent a Hotel Room?
Replies: 15
Views: 1508

Re: Can a Person Under 21 Rent a Hotel Room?

Of course you know the best thing is to call the hotel's local number and ask/resolve all issues. If you don't want to "show your cards" you can call an alternate hotel in the same chain in the same area and ask your questions. Normally they're going to require that the credit card be presented when...
by 123
Thu Oct 11, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown financial gift from relative
Replies: 8
Views: 1100

Re: Unknown financial gift from relative

If the financial gift is an annuity there is no tax issue until a distribution is made so there may not be anything to be concerned about for a long, long, time (perhaps a gift annuity might be structured to begin distributions to the beneficiary at some kind of retirement age like 60, 62. 65, 70 et...
by 123
Thu Oct 11, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: What would you do with some bulk silver?
Replies: 41
Views: 2441

Re: What would you do with some bulk silver?

I'm interested in this thread. I've got a metal tin with maybe 100 pretty worn out silver dollars from the 1920/1930's that my parents asked to give to their grandchildren. I've yet to go through them and see if there are any numismatic gems, but I doubt it. I'm very tempted to just hold onto a coup...
by 123
Wed Oct 10, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of the current correction
Replies: 28
Views: 3577

Re: Taking advantage of the current correction

My asset allocation has sort of flexible bands in taxable accounts (I use a Vanguard LifeStrategy fund in traditional IRA accounts). As a result I can scoop up more VTI if there's a significant price decline. Currently I have some pending limit orders to buy if the price drops to 135 or lower. The l...
by 123
Wed Oct 10, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5753

Re: What the heck is growing in my yard?

Maybe if you let it grow it will spout legs/limbs and walk away.
by 123
Wed Oct 10, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Annuities
Replies: 12
Views: 1016

Re: Annuities

Most annuities in many states include a provision for a "free look" (or similar phrase) often for 7 to 10 days during which you can back out of the annuity and get your money back. So look over your annuity contract carefully and see if it still seems as wonderful as the salesguy made it seem. Pay p...
by 123
Tue Oct 09, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3208

Re: Formula for when to buy in bulk

In my personal matrix of when to buy in bulk I include a consideration that I don't want to waste my time with extra trips to pick up items that can be readily stockpiled (or foodstuffs that can be frozen). I try not to go to Costco or Target more than once a month due to inconvenient locations so I...
by 123
Tue Oct 09, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Payoff debt with Roth contributions??? Change in circumstances?
Replies: 6
Views: 526

Re: Payoff debt with Roth contributions??? Change in circumstances?

Money in a Roth is the most precious money you can have, for yourself or for your beneficiaries. With 25x retirement expenses in savings it's likely better to use other resources to pay down debt. Without complete and accurate asset information it would be difficult for any Bogleheads to justify bre...
by 123
Tue Oct 09, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity - Via Staffing Agency
Replies: 29
Views: 2249

Re: Job Opportunity - Via Staffing Agency

Your ability to negotiate with the firm after the end of the staffing agency contract is primarily influenced by the availablity of similar employment with other firms in the same area. In some professions, and in some areas, the use of staffing agencies is common and some professionals seem to get ...
by 123
Tue Oct 09, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Unwinding and transferring positions
Replies: 23
Views: 1247

Re: Unwinding and transferring positions

For your 20 equity positions,I assume their individual stocks or ETFs, you should have no reluctance to sell them and buy VTI because you are simply exchanging individual equities for an index ETF. Your risk should be less with a move diversified position, which is what you get with VTI. You may hav...
by 123
Tue Oct 09, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Office Computers
Replies: 5
Views: 803

Re: Office Computers

Have you considered a network server with thin clients at the workstations instead of PCs? You could also have a mix of thin clients and PCs on the network. Dell offers both products. The benefit of a thin client approach is longer hardware life, fewer system maintenance issues. You should carefull...
by 123
Tue Oct 09, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Medicare drug question - days or pills?
Replies: 18
Views: 825

Re: Medicare drug question - days or pills?

Before I discuss with the Kaiser pharmacy, I would like to get any ideas or information....My refill is for 90 pills - or 60 days. I would like to get 90 days. Any ideas on the rules for such a situation? Kaiser is all about efficiency (on their side) in perscription management. Prescriptions are g...
by 123
Tue Oct 09, 2018 1:11 am
Forum: Investing - Theory, News & General
Topic: Options for Medical Care for aging parents in US on green card
Replies: 6
Views: 526

Re: Options for Medical Care for aging parents in US on green card

Healthcare.gov provides some guidance for healthcare coverage for those who have arrived in the US with a green card: https://www.healthcare.gov/immigrants/l ... mmigrants/
by 123
Mon Oct 08, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: UPS mailbox experiences?
Replies: 14
Views: 730

Re: UPS mailbox experiences?

I think the USPS may want to see utility bill to verify residency but it may not necessarily have to be in the area with the PO Box you want. Some years ago I rented a USPS Box near where I work (30+ miles from where I lived) to have a recognizeable "downtown" address (linked to a large city) for pr...
by 123
Mon Oct 08, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: UPS mailbox experiences?
Replies: 14
Views: 730

Re: UPS mailbox experiences?

Mike Scott wrote:
Mon Oct 08, 2018 11:24 am
... Do you really get so much mail that sending it to their house is a burden?
Perhaps the OP simply has mail that he/she prefers to keep private, which might include financial stuff (or maybe not).
by 123
Sun Oct 07, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice for a friend in her nineties
Replies: 22
Views: 1848

Re: Investment advice for a friend in her nineties

Does she do anything much online or does she have children that will help her with it. An easier alternative than CDs could be treasury bills or notes available through TreasuryDirect.gov At her age I would likely steer her away from equity investments if she hasn't already "experienced" them. Of co...
by 123
Sun Oct 07, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4230

Re: New Car: No Collision/Comprehensive?

Some people find value in buying Uninsured and/or Underinsured Coverage. I think most of the time if you want those coverages to protect your own vehicle you need to carry Collision/Comprehensive on it. If you have Collision/Comprehensive on your own vehicle and are involved in an accident you can g...
by 123
Sun Oct 07, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured Motorist Bodily Injury: Auto Insurance
Replies: 3
Views: 366

Re: Uninsured Motorist Bodily Injury: Auto Insurance

Perhaps an Uninsured Motorist Bodily Injury limit higher than $300,000 would be appropriate for you if available in your state from your carrier. It is very easy for medical expenses to exceed $300,000 when hospitalization is involved. If you lose the use of multiple limbs or suffer a brain injury l...
by 123
Sun Oct 07, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take a pretty big pay cut to become a diplomat?
Replies: 32
Views: 3717

Re: Should I take a pretty big pay cut to become a diplomat?

Take the opportunity. What better opportunity could there be? Sure you may move around some about the world. But everyone who is on your Christmas letter list (start one if you don't have one already) will anxiously await each annual edition to find out where in the world you are each holiday and wh...
by 123
Sat Oct 06, 2018 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4724

Re: Sellers remorse - selling business

What would happen to the business if something were to happen to you? Could the value of the business significantly decline if you were no longer around to add the "secret sauce" that makes it successful? How would it go if your family had to run it directly after your unexpected passing? Provide co...
by 123
Fri Oct 05, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re Sell or Keep house
Replies: 19
Views: 1227

Re: Need advice re Sell or Keep house

aenflex wrote:
Fri Oct 05, 2018 7:04 pm
...We move a lot for work...
If you move a lot for work I don't think real estate investment and activity as a landlord generally will not work out very well. Sell.
by 123
Fri Oct 05, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: can i start a private investment firm?
Replies: 70
Views: 5081

Re: can i start a private investment firm?

Here's a couple of links to get you started. You'll need to be familiar with the U.S. Securities and Exchange Commission https://www.sec.gov/ and Financial Industry Regulatory Authority https://www.finra.org/. Depending on what states you do business in there may be respective state regulatory autho...