Search found 4040 matches

by 123
Fri Jan 18, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: Umbrella Coverage for Hired Subcontractors
Replies: 7
Views: 502

Re: Umbrella Coverage for Hired Subcontractors

...I want to use are day laborers that almost certainly don't have insurance... You need to have workers compensation coverage. Some homeowner's policies may include limited workers compensation coverage. In many states there are no limits to how much medical care providers can charge to care for w...
by 123
Fri Jan 18, 2019 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Hesitant to sell
Replies: 10
Views: 926

Re: Hesitant to sell

It could depend on whether USPRX is currently a signficant portion of your portfolio. If it's a relatively small portion of your portfolio you may want to sell it and just be done with it for making things more simple. If you've been reinvesting dividends of USPRX into additional shares you could tu...
by 123
Fri Jan 18, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bank As Executor Of Will?
Replies: 10
Views: 572

Re: Bank As Executor Of Will?

As the preceding post suggested perhaps you need to pre-arrange and prepay your final arrangements with a local funeral home and then name your preferred charity as the beneficiary of your accounts.
by 123
Fri Jan 18, 2019 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Who defines date of (403b) contribution?
Replies: 3
Views: 148

Re: Who defines date of (403b) contribution?

For 401k plans the consensus seems to be that the contribution is based on the payday date (contributions are based on a calendar year limit). I would assume other employer plans would follow the same system since they are based on "contributions" from payroll. The date it actually hits the 401k/403...
by 123
Fri Jan 18, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Citrus Canker compensation check
Replies: 2
Views: 419

Re: Citrus Canker compensation check

A recent local news story in Florida: https://www.sun-sentinel.com/news/florida/fl-ne-citrus-canker-checks-go-out-20190115-story.html Article says checks from several hundred to several thousand dollars to individual homeowners. Article talks about basis of awards based on location and sizes of citr...
by 123
Fri Jan 18, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Home Owner's Insurance
Replies: 8
Views: 675

Re: Home Owner's Insurance

Homeowners Insurance potentially covers a lot of things. The basic protections are fire insurance and liability. For an individual with assets the liability coverage may be more valuable than fire since it can be augmented with umbrella coverage and forms a base for that. It may not be as simple a m...
by 123
Fri Jan 18, 2019 1:34 am
Forum: Investing - Help with Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 81
Views: 7191

Re: 100% in VTSAX - Is it crazy???

First a note from the OP's prior threads. OP & spouse are teachers in their mid 30's so presumably the pensions are teacher's pensions. Holding 100% in VTSAX is probably okay given your current situaiton. Over the next 10 years your perception of the situation may change causing you to move to a mor...
by 123
Wed Jan 16, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: canvas floor cloths for kitchen
Replies: 3
Views: 411

Re: canvas floor cloths for kitchen

I seen these rubber floor mats suggested for under weight-lifting equipment to preserve the floor and reduce noise: https://www.tractorsupply.com/tsc/product/4-ft-x-6-ft-x-3-4-in-thick-rubber-stall-mat?cm_vc=-10005 Seriously I'm interested in this issue as well. We've got hardwood floors in the kitc...
by 123
Wed Jan 16, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 10809

Re: Have I Now Become Out of Touch Financially? Aging question...

In a prior thread the OP stated:
phxjcc wrote:
Thu Aug 23, 2018 3:59 pm
...I need ~ $50K / year above my income to maintain my lifestyle. Yes, I know that is a LOT of money; I am very lucky...
Perhaps he recently ran the numbers on his budget. Yes there can be too much month left at the end of the money.
by 123
Wed Jan 16, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 10809

Re: Have I Now Become Out of Touch Financially? Aging question...

...I see ... tradesmen driving $65K trucks and their wives driving $70K Escalades... There have been a number of tax incentives in recent years (to support the auto industry) that allow heavy tax benefits/incentives for the purchase of vehicles over a certain weight for business use. Additionally i...
by 123
Wed Jan 16, 2019 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Unusual Check from Fidelity
Replies: 8
Views: 780

Re: Unusual Check from Fidelity

If the concern is that it is a 401K account closure check there should be an indication on the check, or the attached stub, that indicates the purpose and reason for the check. If she's unclear about if it's a 401K closure check she could check her online 401K account at Fidelity and see what the st...
by 123
Wed Jan 16, 2019 1:31 am
Forum: Personal Finance (Not Investing)
Topic: What kind of health insurance for a newborn?
Replies: 9
Views: 782

Re: What kind of health insurance for a newborn?

If a family member has a separate policy they will also have their own deductible. With a family policy there is usually a combined deductible that can come into play. I think in most cases adding a dependent to employer coverage is less expensive than a separate policy. If you're shopping for a sep...
by 123
Wed Jan 16, 2019 1:21 am
Forum: Personal Consumer Issues
Topic: Using carry-on for traveling locally?
Replies: 13
Views: 907

Re: Using carry-on for traveling locally?

Why not just leave some of your wardrobe there and have it cleaned with the regular household laundry? Saves the effort of carrying things back and forth.
by 123
Wed Jan 16, 2019 1:12 am
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 90
Views: 6857

Re: When would you stop being a Boglehead?

If I delegated responsibility for managing my portfolio it would be a sign I had gone senile or insane.
by 123
Wed Jan 16, 2019 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Which Type of Annuities Did You Choose and Why
Replies: 18
Views: 1047

Re: Which Type of Annuities Did You Choose and Why

I assisted an elderly relative with revoking an annuity that was sold to her in a local bank branch. She told us about it and the next day I went with her to the branch to cancel it and get her money back. While the annuity she selected offered a high "interest" rate there was no guarantee of her pr...
by 123
Wed Jan 16, 2019 12:45 am
Forum: Investing - Theory, News & General
Topic: When/why have you needed customer service from Fido, VG, Schwab etc.?
Replies: 30
Views: 1456

Re: When/why have you needed customer service from Fido, VG, Schwab etc.?

Schwab - Deposit of large checks I did not want to mail (received immediate credit) - Signed over common stock certificate to broker for deposit in account Fidelity - Deposit of large checks I did not want to mail (received immediate credit) - Requested large withdrawal by check for real estate down...
by 123
Tue Jan 15, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 163
Views: 8868

Re: Are You Dumping Netflix?

Netflix has great content. I think they'd be the last streaming service we would give up.
by 123
Tue Jan 15, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to use inheretence to fund GC education
Replies: 12
Views: 747

Re: Best way to use inheretence to fund GC education

My grandson is 18 months old It's possible that there may be more grandchildren down the road. You may want to hold some funds in reserve for that contingency (as opposed to investing it all in a UTMA account for first grandson). Some people end up with 6 ro 12 grandchildren or more. Something to t...
by 123
Tue Jan 15, 2019 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio advice for family member with Special Needs
Replies: 21
Views: 881

Re: Help with portfolio advice for family member with Special Needs

There can be a lot of issues we don't know about that might impact the best course of action. While it would seem that the trust isn't limited to paying out current income if it can also fund extraordinary expenses like dental work, not necessarily a bad thing. A question might be who gets the proce...
by 123
Tue Jan 15, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2732

Re: School staff threatened to call social worker

In an earliar post the OP indicated he/she lived in Georgia. Per the Georgia Department of Education: http://www.gadoe.org/External-Affairs-and-Policy/AskDOE/Pages/New-Student-Requirements.aspx "Compulsory Attendance Georgia law requires that students attend a public or private school or a home stud...
by 123
Tue Jan 15, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2732

Re: School staff threatened to call social worker

My parents never took me out of school for any vacation or family trips.

They wanted to take advantage of the essentially free childcare the public school system provided.
by 123
Tue Jan 15, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6531

Re: A co-worker makes more than me

Perhaps it would be easier to have the co-worker ask for a lower salary. Problem solved!
by 123
Tue Jan 15, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Govt contractors what would you do
Replies: 7
Views: 1068

Re: Govt contractors what would you do

If the business has cash reserves and wishes to retain existing employee(s) then the best approach is to continue payments to employee(s). If the business does not have cash reserves it will have to shut down if it does not receive income to pay employee(s). If the business does not have cash reserv...
by 123
Tue Jan 15, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6531

Re: A co-worker makes more than me

Has the co-worker been with the organization the same time as you? If not how much longer/shorter? If you want equal pay for equal work for pretty much identical jobs the best location for that could be some type of government job. Is your co-worker more even tempered or nicer? Is your co-worker rel...
by 123
Tue Jan 15, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2732

Re: School staff threatened to call social worker

Is kindergarden required in your state to attend 1st grade? Is she above the minimum age requred in your state to be in school? Perhaps you could report a change of address for her to China when she leaves on her trip (disenrolling her from school there) and then re-enroll her in school when you ret...
by 123
Tue Jan 15, 2019 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring M/L to Vanguard
Replies: 4
Views: 271

Re: Transferring M/L to Vanguard

At a 1% AUM fee, which is typical, the attention your financial adviser provides likely costs you $30,000 a year. Over the next 20 years that could total $600,000. A single fund solution, like a mix of 50/50 stocks/bonds (or whatever might mirror your current mix) is likely available at Vanguard. An...
by 123
Tue Jan 15, 2019 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Question moving from stock portfolio to VTI Total Stock Market Index
Replies: 15
Views: 881

Re: Question moving from stock portfolio to VTI Total Stock Market Index

Any one of those individual stocks could turn into an Enron of PG&E at any moment. I certainly wouldn't be able to sleep with that assortment. Sell it all and buy VTI ASAP.
by 123
Tue Jan 15, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 92
Views: 8497

Re: Gas station prices and quality

I ususlly buy the cheapest gas and have never had a problem. Sometimes I go late and night or early in the morning so that my neighbors don't see me. When I want to air-up my tires I'll go to the expensive station and buy a little gas so I can use their free compressed air.
by 123
Tue Jan 15, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Potentially being laid off with a 401k loan
Replies: 12
Views: 1296

Re: Potentially being laid off with a 401k loan

How long ago did you purchase the home? If the value of your home has risen perhaps you can take out a HELOC to pay off the 401K loan.
by 123
Tue Jan 15, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Non-English speaking elderly care options
Replies: 12
Views: 689

Re: Non-English speaking elderly care options

Are there any community groups or local churches that have a Bulgaria connection? She must feel extraordinarily isolated and needs some kind of community connection. Maybe some local Russian/Serbian/Slavic community groups or churches might be aware of elder care options that fit the community. An e...
by 123
Tue Jan 15, 2019 1:45 am
Forum: Investing - Help with Personal Investments
Topic: Please Point me Where to Look For an Advisor for My Mother:
Replies: 14
Views: 949

Re: Please Point me Where to Look For an Advisor for My Mother:

You may want to caution your mother that the fees from Edward Jones will be at least 1% and could likely exceed 2% annually when all costs are considered (including higher expense ratios on investments and commissions). Based on a $750,000 portfolio that's a minimum of $7,500 to $15,000 yearly, year...
by 123
Tue Jan 15, 2019 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Help with Simple Real Estate Transaction
Replies: 9
Views: 690

Re: Help with Simple Real Estate Transaction

For a simple sale in California all you need is a title insurance company (I've used Chicago Title a few times but there are others) which will also handle the escrow, funds disbursement, and deed recording. It''s probably better to walk into a nearby office than to call. If you walk in you'll likel...
by 123
Mon Jan 14, 2019 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Scammed into Cash Value Life insurance, now what?
Replies: 10
Views: 1540

Re: Scammed into Cash Value Life insurance, now what?

Do you need any life insurance at all or did you just buy life insurance as an "investing" vehicle? Do you have a spouse or children that remain dependent on you? There are mechanisms to exchange life insurance policies for low-cost annuities, such as at Vanguard. If the cash value of your life insu...
by 123
Sun Jan 13, 2019 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Account Consolidation
Replies: 3
Views: 278

Re: Retirement Account Consolidation

Some states provide income tax benefits or exemptions for retirement income from employer plans. As long as you don't live in one of those states, or end up moving to one of those states, it's fine to consolidate.
by 123
Sun Jan 13, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Term life insurance with indeterminate premium contract form?
Replies: 13
Views: 709

Re: Term life insurance with indeterminate premium contract form?

The Prudential term insurance page https://www.prudential.com/personal/life-insurance/find-life-insurance-policy/term-life-products says "Your premiums will not change for the coverage period you select". So I would share Taylor's concern about what you are being sold. Are you getting level term or ...
by 123
Sat Jan 12, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Unique One: Mom's Retirement Life Insurance
Replies: 8
Views: 926

Re: Unique One: Mom's Retirement Life Insurance

Hi, I have a weird situation I could use some advice on... +1 Yes, you certainly do. A real head-scratcher. Does the sister's share of the pension remain at 50% if your mom passes away first? (Does it go up?) What are you mom's expenses? What would her situation be if she no longer received 50% of ...
by 123
Sat Jan 12, 2019 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Setting Up A Parent For Retirement
Replies: 18
Views: 1409

Re: Setting Up A Parent For Retirement

What is the interest rate your mother is getting on her hi-yield checking accounts? Local brick and mortar banks, incluidng those that are nationally known are often under 0.25% whereas many internet banks pay 2.00% or higher. On $750,000 at a conservative 2.00% that is $15,000 yearly.
by 123
Sat Jan 12, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: ROI calc on grocery expenses
Replies: 29
Views: 1870

Re: ROI calc on grocery expenses

I'm surprised that mac & cheese haters have surfaced on Bogledheads. I absolutely love the stuff and serve it at least once a week. Unfortunately we don't like the flavor of the national Kraft brand but we love one of the Safeway store brands. A couple of times at the grocery I've felt a little odd ...
by 123
Sat Jan 12, 2019 1:41 pm
Forum: Investing - Theory, News & General
Topic: Schwab SWSXX going away
Replies: 37
Views: 2616

Re: Schwab SWSXX going away

...But the change did aggravate me for a couple of months. +1 It still aggravates me. I've come pretty close to moving multiple accounts to Fidelity because of it. Only saving grace for Schwab is that I'm otherwise comfortable with Schwab and would prefer to have accounts at a couple of brokerages ...
by 123
Fri Jan 11, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Dental work - possibly going elsewhere
Replies: 17
Views: 1282

Re: Dental work - possibly going elsewhere

If the dentist practices in multiple offices (different days) you might try calling one of his alternative offices and see if you could be seen there earliar. In my area a number of dentists seem to split office locations. Dr Brown is in one location Monday and Tuesday but she's in an office in anot...
by 123
Fri Jan 11, 2019 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Salary Question During Job Interview
Replies: 17
Views: 2277

Re: Salary Question During Job Interview

Historically many employers have asked for applicant salary history as part of the resume submission and job application completion process. California has recently outlawed questions about current salary since they tend to perpetuate (past) discriminatory practices. It's a very good idea for you as...
by 123
Fri Jan 11, 2019 1:38 am
Forum: Personal Finance (Not Investing)
Topic: Rules based automations in Checking Accounts? Schwab? Where should I go?
Replies: 2
Views: 348

Re: Rules based automations in Checking Accounts? Schwab? Where should I go?

You may have to engage the services of an accountant or bookkeeper to do these calculations and actions if you don't want to do them yourself. It is somewhat unlikely that a bank or brokerage firm would undertake the calculation and authorization of variable account transfers that are dependent upon...
by 123
Thu Jan 10, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Newspapers / News Subscriptions
Replies: 19
Views: 639

Re: Newspapers / News Subscriptions

We get Wall Street Journal print and local metropolitan paper in print. (We also get digitals of preceeding)

We have digital only subscriptions to New York Times and metropolitan paper from previous residence.
by 123
Thu Jan 10, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 5513

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

It was easy before seat belts.
by 123
Thu Jan 10, 2019 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Safe withdrawal rate to pay for housing expenses
Replies: 13
Views: 944

Re: Safe withdrawal rate to pay for housing expenses

I think most people in your income and asset situation would get put 20% down, get a mortage and make the mortgage payments out of your regular income. With annual income of $500K-$600K a house of $1.3M would seem to be within range. There's no reason to withdraw from savings to pay for housing expe...
by 123
Thu Jan 10, 2019 1:24 am
Forum: Investing - Help with Personal Investments
Topic: AA advice for this situation
Replies: 3
Views: 369

Re: AA advice for this situation

The pharma stock is your biggest risk due to concentration in a single issuer. If you have a sentimental attachement to the giftor or the security you may want to keep 100 shares indefinately for that purpose and liquidate the rest. I would recommend liquidation over the 5 years before you have to t...
by 123
Wed Jan 09, 2019 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Life transition, what's next
Replies: 25
Views: 3181

Re: Life transition, what's next

You might want to consider a brokerage account at Vanguard, Schwab, or Fideltiy. It's a lot easier to buy brokered CDs and the rates are geneally more attractive than your local brick and mortar bank. Here are the latest brokered CD rates available at Vanguard: https://personal.vanguard.com/us/Fixed...
by 123
Wed Jan 09, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 25
Views: 2058

Re: Discounted Postage Stamps

I think most of the fresh new US postage stamps (forever) come with an adhesive backing that makes them easy to use. If the stamps you're thinking of are a mixed bag of sheet and roll stamps the glue on them makes them not as easy to work with. Plus when you use them you have to mix-and-match to get...
by 123
Wed Jan 09, 2019 3:59 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 113
Views: 5253

Re: BHers, what is your Roth IRA %?

I have only 10% of IRA money in Roth. I haven't done any conversions. My employers haven't had Roth 401K options. I got such an early start on the Traditional IRA and regular 401K side of things that the momentum on those investments seems to be unstopable. I guess it's not too bad a problem to have.