Search found 3720 matches

by 123
Tue Oct 23, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: 401(k) Provider Change - 25 days in cash?!
Replies: 6
Views: 200

Re: 401(k) Provider Change - 25 days in cash?!

The 25 days in cash does seem very weird when switching providers. I would guess that the "rest break" in cash is intended to accommodate some timing differences in terms of investing payroll deductions on both sides so there is/are some "magic day(s)" where all accounts are all in cash so the HR pe...
by 123
Tue Oct 23, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: Do you use mobile apps to assist with your investments?
Replies: 18
Views: 1376

Re: Do you use mobile apps to assist with your investments?

I do nothing involving financial accounts on my phone. All financial stuff is done from a desktop at home. When markets have significant swings in prices I am tempted to buy some things (our asset allocation has bands for flexibility/opportunity/market timing (ok - I said the word). I take advantage...
by 123
Tue Oct 23, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I own my home through an LLC?
Replies: 19
Views: 2223

Re: Should I own my home through an LLC?

Many people who buy a home expect the value of the home to appreciate over the years. The IRS even excludes $250,000 of capital gain ($500,000 for a married couple) under certain conditions for those that sell their primary residence. If would seem that the LLC would take away that potential tax adv...
by 123
Mon Oct 22, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - any advice?
Replies: 21
Views: 1755

Re: Empty nester downsizing - any advice?

The biggest obstacle to downsizing is the clutter you have accumulated. You should immediately attack and eliminate the clutter so that you can take advantage of a good downsizing opportunity that comes along. Putting things in storage is not a reasonable solution.
by 123
Mon Oct 22, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: How often does Costco have the deals on 4 Michelin tires?
Replies: 23
Views: 1339

Re: How often does Costco have the deals on 4 Michelin tires?

Costco seems to have sales on the Michelin tires every other month, although this is my estimate. (There is a sale going on now through October 28--$70 off four Michelin tires.) The sales seem to alterate monthly between Michelin and Bridgestone tires. +1 This is my recollection as well. I think th...
by 123
Mon Oct 22, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: What's Your Fixed Income Strategy?
Replies: 40
Views: 2650

Re: What's Your Fixed Income Strategy?

Allocation within the the fixed income allocation (Bond funds, CDs, Money Market, etc..) All T-Bills except for checking account +1 Sure it seems like market timing but interest rates have been on the rise and it's been time for us to get out of 2 to 5 years CDs as they've matured and be ready to f...
by 123
Mon Oct 22, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: House has major repair issues right after buying... options
Replies: 27
Views: 2003

Re: House has major repair issues right after buying... options

Are all the circuit breakers in the box actually connected with distnct circuits in the house (test them)? What does this mean? I think you mean "distinct", but I'm not sure what you're talking about. What is a distinct circuit? Each circuit breaker should actually be connected and control electric...
by 123
Mon Oct 22, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: House has major repair issues right after buying... options
Replies: 27
Views: 2003

Re: House has major repair issues right after buying... options

It's probably worthwhile to give your house a thorough going over to see if there were other shortcuts taken that might impact safety and/or your ability to see the house at some future point. Did they use long screw or nails to install the kitchen cabinets to the walls? Do you have padding under ca...
by 123
Sun Oct 21, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on managing my mother's investments
Replies: 11
Views: 970

Re: Need advice on managing my mother's investments

You may want to consider a fund-of-funds, like one of the Vanguard LifeStrategy funds, for the IRA if you can one that is a suitable asset-allocation. The expense ratio of a LifeStrategy is somewhat higher than if you use the component funds but its completely automatic rebalancing. There is less an...
by 123
Sun Oct 21, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 7910

Re: Quitting w/o notice

Do you have enough vacation that you can go on vacation and then give notice while you're on "vacation"? You could give two weeks notice and then just not show up for those two weeks. Some employers might not make any effort to "fire" you in those circumstances because they you're gone just the same...
by 123
Sun Oct 21, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Berkshire A Paper stock certificate
Replies: 14
Views: 1327

Re: Berkshire A Paper stock certificate

If the legitimate holder of the certificate passes away the cost basis of the security is stepped up as of the date of death. If the legitimate holder of the certificate simply transfers the share(s) to a brokerage account and subsequently sells them that will trigger a taxable event reportable to t...
by 123
Sun Oct 21, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: How to open a sealed up fireplace?
Replies: 13
Views: 1067

Re: How to open a sealed up fireplace?

I would be very concerned about why it was sealed. Of course there could always be a simple explanation, like having young kids and decidng it was easier not to use it. Or there could be more ominous reasons, like cracked chimney, cracked firebox, weak mortar, water leaks, or absence of an operating...
by 123
Sun Oct 21, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Buying an apartment in China
Replies: 6
Views: 640

Re: Buying an apartment in China

In the US there are special "low income" housing offerings. In all of the ones I have read about there are usually special conditions involving transfer or sale of property that largely prevent the "low income" person who purchased the unit from profiting a whole lot from the sale. So in your area y...
by 123
Sun Oct 21, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Berkshire A Paper stock certificate
Replies: 14
Views: 1327

Re: Berkshire A Paper stock certificate

The actual ownership of stock shares is recorded by the transfer agent servicing the company. The transfer agents in the past issued paper certificates, now there are mostly only electronic records. When shares were transferred the existing certificate was endorsed by the seller and a replacement ce...
by 123
Sat Oct 20, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed
Replies: 30
Views: 2701

Re: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed

I can think of 2 possible things that could be responsible. Neither of these are the result of anything that you necessarily did. Has there been a significant decline in the credit rating of anyone named as an insured on the policy (fraudulent credit activity by someone else on a card could screw up...
by 123
Sat Oct 20, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 5634

Re: Pull kids from school for vacations?

We have never and will not pull children from school for vacations. It detracts from the commitment to education and sends a message that vacation has a higher "family value" then education. The only time we have allowed an unexcused absence for a child was one day when a university under considerat...
by 123
Sat Oct 20, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Travelers Checks
Replies: 31
Views: 1644

Re: Travelers Checks

Cash is in decline. If you've go a card with a Visa or Mastercard logo that is pretty much a universal currency in most of the civilizied English-speaking world. Travelers Checks might only be a partial step above personal checks as an undesireable medium of exchange in most places. For most busines...
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: 53
Views: 4860

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: 6
Views: 526

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: 160
Views: 12789

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: 3761
Views: 1069513

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: 53
Views: 4860

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: 112
Views: 6159

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: 32
Views: 3584

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: 58
Views: 5153

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: 1581

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: 1581

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: 48
Views: 3350

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: 53
Views: 4929

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: 1313

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: 874

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: 673

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: 1386

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: 4158

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: 4902

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: 5130

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: 446

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: 446

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: 3119

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: 463

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: 1145

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: 1654

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: 2764

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: 1622

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: 1517

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: 1105

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: 2477

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: 3595

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: 5801

Re: What the heck is growing in my yard?

Maybe if you let it grow it will spout legs/limbs and walk away.