Search found 57 matches

by python99
Sat Apr 06, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 380
Views: 25963

Re: Received a Ransomware email

Total scam ignore it
by python99
Sat Mar 30, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ooma Phone Service - I Do NOT Recommend
Replies: 49
Views: 17925

Re: Ooma Phone Service - I Do NOT Recommend

Glad it worked out for you...let's see if you still get billed next month.
by python99
Thu Mar 28, 2019 10:16 pm
Forum: Personal Investments
Topic: $480K, no job, special needs kids, what to do?
Replies: 52
Views: 6331

Re: $480K, no job, special needs kids, what to do?

The services I mentioned are not based on or constrained by your resources, income, or assets. It is solely based on the needs of the children.
by python99
Thu Mar 28, 2019 10:01 pm
Forum: Personal Investments
Topic: $480K, no job, special needs kids, what to do?
Replies: 52
Views: 6331

Re: $480K, no job, special needs kids, what to do?

Since you are in California you should look into your county's regional center. They can help get services for your children. They can also get medi-cal waivers for them for no cost medical care. They can also provide respite services for you. In addition, once you are a regional center client you c...
by python99
Mon Sep 17, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Aimloan.com for a refinance?
Replies: 12
Views: 1574

Re: Aimloan.com for a refinance?

They are great. Good rates and easy to work with.I have done multiple transactions with them.
by python99
Tue Sep 09, 2014 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended Mortgage Lenders
Replies: 11
Views: 2774

Re: Recommended Mortgage Lenders

Internet Direct Lender....http://www.aimloan.com/

I have used them for several conforming and one jumbo loan,,,fast efficient and good rates and apr
by python99
Mon Aug 25, 2014 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 10638

Re: Mortgages and financial freedom

With a mortgage rate of 2.6% on my 30 year fixed ...factoring in tax deduction and inflation....the mortgage money is basically free money...better to keep the lump sum invested in long term investment horizon..which also is more liquid then a house..even with a HELOC (which only covers part of the ...
by python99
Mon Aug 25, 2014 10:59 am
Forum: Personal Finance (Not Investing)
Topic: need birth certificate to file for SS?
Replies: 14
Views: 1995

Re: need birth certificate to file for SS?

You can get Official LA County Birth Certificates from https://www.vitalchek.com/ . Pretty spendy at $52 total. One has to be careful when getting copies of official certificates. If you google, middlemen show up, which is what the above probably is, I'm too lazy to look. Ordering directly from the...
by python99
Sun Aug 24, 2014 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: need birth certificate to file for SS?
Replies: 14
Views: 1995

Re: need birth certificate to file for SS?

I think I have even an unofficial cert now and would need to get one from LA County, which will take awhile. Should I just go ahead and get an official certificate? You can get Official LA County Birth Certificates from https://www.vitalchek.com/ I have have gotten Official Birth Certificates in 3 ...
by python99
Sat Aug 23, 2014 7:34 pm
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 3477

Re: Best iPhone deal for light user

Wait for the new model iPhones coming out Sept 9
by python99
Sat Jul 12, 2014 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Good California attorney for basic estate planning?
Replies: 6
Views: 1435

Re: Good California attorney for basic estate planning?

I used Gilfix & LaPoll and I found them to be excellent. I used the Palo Alto office . Gilfix himself worked with us.I had a complex situation. In all it involved 6 trust agreements and the fee was 9K. I am sure that if you have simple trust needs it would be quite a bit less. http://www.gilfix....
by python99
Mon Jul 07, 2014 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is it ever ok to tell your boss you have another offer?
Replies: 30
Views: 3820

Re: Is it ever ok to tell your boss you have another offer?

I did once show my boss, with whom I had a great relationship, a job posting from another department in the same organization, to do just about what I was doing, but at quite a bit more money, and asked whether I should apply. The deadline was still almost a week away. He asked me to give him a cou...
by python99
Mon Jul 07, 2014 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is it ever ok to tell your boss you have another offer?
Replies: 30
Views: 3820

Re: Is it ever ok to tell your boss you have another offer?

One more thing, if you decide to take the other offer, make you have a written offer letter from the new firm BEFORE you resign your job or tell your boss
by python99
Mon Jul 07, 2014 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Is it ever ok to tell your boss you have another offer?
Replies: 30
Views: 3820

Re: Is it ever ok to tell your boss you have another offer?

IlliniDave wrote:If you've decided to stay and you don't have a good relationship with the boss, I wouldn't go wagging another offer in his face.
+1
Don't tell regardless of your relationship with your boss. Telling him has no upside just downside
by python99
Wed Jul 02, 2014 12:14 pm
Forum: Personal Investments
Topic: IRA to Roth Conversion Deadline
Replies: 5
Views: 836

IRA to Roth Conversion Deadline

The question is do IRA to Roth conversion have to be made in calendar year or can you wait until you do your taxes and convert prior to the April 15 deadline similar to a IRA contribution
by python99
Wed Jul 02, 2014 11:30 am
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 115
Views: 25901

Re: How to admit/should I admit alcohol problem to employer

Dept of Labor info on FMLA leave for substance abuse treatment..just be aware Treatment for substance abuse may be a serious health condition if the conditions for inpatient care and/or continuing treatment are met. FMLA leave may only be taken for substance abuse treatment provided by a health care...
by python99
Tue Jun 24, 2014 7:26 pm
Forum: Investing - Theory, News & General
Topic: Investment Withdrawals - Behavioral Aspect
Replies: 14
Views: 1312

Re: Investment Withdrawals - Behavioral Aspect

I recently retired and there has been quite an adjustment period for me starting to withdraw from my portfolio. Although firecalc reports a 100% success rate for me at double what I am withdrawing I still go through mental gymnastics to adjust. I vacillate from its ok to oh me the sky is falling. Im...
by python99
Mon Jun 09, 2014 10:01 pm
Forum: Personal Investments
Topic: Is this a foolish asset allocation?
Replies: 42
Views: 4515

Re: Is this a foolish asset allocation?

As an independent contractor you also have available to you a Solo 401K which allows you to put away ~50k per year into tax advantaged solo 401k
by python99
Sat Jun 07, 2014 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Best lender to refinance mortgage?
Replies: 28
Views: 5317

Re: Best lender to refinance mortgage?

I have used AimLoan.com for 3 mortgages and refi's....great rates, fast service, all handled over the internet.
by python99
Fri Jun 06, 2014 4:34 pm
Forum: Investing - Theory, News & General
Topic: Deleted
Replies: 36
Views: 4570

Re: 15% bracket: convert IRA or tax gain harvest?

Another thing to consider is that in the 15% tax bracket...you may qualify for substantial ACA credit that could amount to 10-12k in savings each year.... ACA credit? I assume that's affordable care act. Hmmm, that throws another variable in the stew. Yes it does add another factor to consider for ...
by python99
Thu Jun 05, 2014 9:30 pm
Forum: Investing - Theory, News & General
Topic: Deleted
Replies: 36
Views: 4570

Re: 15% bracket: convert IRA or tax gain harvest?

Another thing to consider is that in the 15% tax bracket...you may qualify for substantial ACA credit that could amount to 10-12k in savings each year....
by python99
Sun Feb 02, 2014 9:57 pm
Forum: Personal Investments
Topic: Company Phantom Stock - Are We Making a Sound Decision?
Replies: 21
Views: 2209

Re: Company Phantom Stock - Are We Making a Sound Decision?

Cash out every time and increment you can you can...to much of your portfolio is in your company...in fact I would advocate not holding any stock in the company you work for...you already have a risk on trade with your position of an employee...you already have the risk of the company down sizing an...
by python99
Sun Jan 19, 2014 1:07 am
Forum: Personal Consumer Issues
Topic: More from Target?
Replies: 33
Views: 2899

Re: More from Target?

The ultimate irony is that Target lost its customers data, so they want to try to make it right....with one year of credit & identity watch...sounds good..we then send you to a sign up sight that requests you to provide "..Name, address, date of birth and Social Security number which are re...
by python99
Thu Jan 09, 2014 1:38 am
Forum: Personal Consumer Issues
Topic: Different Ways A Computer May Be Compromised
Replies: 55
Views: 5451

Re: Different Ways A Computer May Be Compromised

use 2 factor authorization (2FA) everywhere that offers it...brokers like schwab and boa offer it ....also buy a mac
by python99
Sun Jan 05, 2014 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much did your credit card rewards cost you in 2013?
Replies: 104
Views: 8916

Re: How much did your credit card rewards cost you in 2013?

I use cash back credit card for everything I can..then pay it off in full every month....for 2012 I earned $3,205 in cash back rewards credited into my bank account...it is like free money!
by python99
Sat Jan 04, 2014 4:00 pm
Forum: Personal Investments
Topic: SWR Funding Mechanics
Replies: 5
Views: 543

Re: SWR Funding Mechanics

Thanks for the answers
by python99
Fri Jan 03, 2014 11:28 pm
Forum: Personal Consumer Issues
Topic: Investors beware... account security IS important!
Replies: 89
Views: 13747

Re: Investors beware... account security IS important!

Schwab provides 2 factor authentication at no charge, during login you must include a one time token key generated by a token generator token key provided by Schwab....bullet proofs your account.
by python99
Fri Jan 03, 2014 7:33 pm
Forum: Personal Investments
Topic: SWR Funding Mechanics
Replies: 5
Views: 543

SWR Funding Mechanics

Hi I am 59 just now retired (Dec 13th) and I have a question on the mechanics of SWR. I plan to live on my interest & dividends. The question I have is it better to chose not to reinvest interest and dividends and simply sweep them into my bank spending account on the monthly basis Or Is there a...
by python99
Mon Dec 23, 2013 1:34 pm
Forum: Investing - Theory, News & General
Topic: Shorting your own employer
Replies: 48
Views: 7049

Re: Shorting your own employer

Check the company policies, hi-tech firms often prohibit employees from using options or shorting the company
by python99
Wed Nov 13, 2013 1:00 am
Forum: Personal Consumer Issues
Topic: [selecting a] General Contractor
Replies: 20
Views: 2198

Re: General Contractor

multiple bids!...At least 3
by python99
Thu Sep 12, 2013 3:16 pm
Forum: Personal Consumer Issues
Topic: cell service lousy in our home
Replies: 13
Views: 1095

Re: cell service lousy in our home

If you have AT&T you can use their micro-cell...works great.
by python99
Mon Aug 19, 2013 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Small business question
Replies: 10
Views: 1014

Re: Small business question

You are an employee just like most for us...he dies business closes ...you find a new job....nothing new here and certainly no nuanced "i deserve it" or should the owner sell me a piece. Hasr for to understand why you think you are owed anything
by python99
Mon Aug 19, 2013 7:42 pm
Forum: Personal Consumer Issues
Topic: How to Optimize Wireless Internet Signal at House
Replies: 14
Views: 2941

Re: How to Optimize Wireless Internet Signal at House

Uee the new Apple Air Extreme...unbelievable coverage....so much so that is is "outstanding"
by python99
Thu Jul 11, 2013 8:52 pm
Forum: Personal Consumer Issues
Topic: Fitness Wristbands??
Replies: 13
Views: 2020

Re: Fitness Wristbands??

FitBit is the real deal...my and I both wear the FitBit band and it is awesome. Power last about 7-8 days then needs to be charged ( 1 hr)..You can also swim with it..shower with it,,,etc..tracks steps, milage, sleep, calories...etc...

I can't say enough about it.


Check it out
by python99
Sun Jul 07, 2013 10:19 pm
Forum: Investing - Theory, News & General
Topic: How much I need to retire.
Replies: 65
Views: 14399

Re: How much I need to retire.

check out FireCalc.com...maybe just what you need
by python99
Tue Jul 02, 2013 12:41 pm
Forum: Personal Investments
Topic: Bond Funds
Replies: 67
Views: 7520

Re: Bond Funds

I always hear others remarking and recommending iBonds, however given the limited amount of iBonds you can purchase each year...for even a modest portfolio the max iBonds don't really materially impact the portfolio, in my case with a 4M portfolio max iBonds are just a rounding error, I also find al...
by python99
Mon Apr 29, 2013 10:14 am
Forum: Personal Finance (Not Investing)
Topic: First Time - "Renting" Home to Parents
Replies: 12
Views: 1755

Re: First Time - "Renting" Home to Parents

An alternate approach is to claim your parents as dependents on your tax return if you in fact provide at least half of their support.
by python99
Fri Apr 12, 2013 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Disability insurance- review of policy
Replies: 12
Views: 1121

Re: Disability insurance- review of policy

True...as long as they don't a set time for own occupation..such as "own occupation for 2 years ...any occupation after 2 years..."
by python99
Fri Apr 12, 2013 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Disability insurance- review of policy
Replies: 12
Views: 1121

Re: Disability insurance- review of policy

Often in STD policies "own occupation" is only for the first 2 years and after you must so disable that you can't work in any form or job. That is a key term & condition that is very very important..critical...here some conditions you should be aware of make sure you understand and agr...
by python99
Mon Apr 08, 2013 9:22 am
Forum: Investing - Theory, News & General
Topic: Post your asset allocation here:
Replies: 136
Views: 15128

Re: Post your asset allocation here:

Age 58
Husband & Wife Retired
No Pensions


4.1M Total (not including homes)

47% Growth - VTSMX / VGTSX
47% Income - VBMFX
6% Cash
by python99
Sun Apr 07, 2013 12:23 pm
Forum: Personal Investments
Topic: Quick 401k vs Debt question
Replies: 7
Views: 1035

Re: Quick 401k vs Debt question

I have heard many talk about paying off the mortgage...that it is similar to "buying a bond" that has the effective rate of the payed off mortgage. Which on face value makes much sense, however it seems to me that once you do that your "stuck" with that return and "bond"...
by python99
Sun Mar 10, 2013 5:00 pm
Forum: Personal Consumer Issues
Topic: Experiences with Zillow-listed mortgage lenders\brokers?
Replies: 9
Views: 1763

Re: Experiences with Zillow-listed mortgage lenders\brokers?

AimLoan.Com...is a great direct lender..al internet driven...very fast processing and loan close..best rates you can find.
by python99
Sun Mar 10, 2013 4:59 pm
Forum: Personal Consumer Issues
Topic: Experiences with Zillow-listed mortgage lenders\brokers?
Replies: 9
Views: 1763

Re: Experiences with Zillow-listed mortgage lenders\brokers?

Check out Redfin...I bought 2 houses with them...they have a stated rebate of around 2.5% from the commission...this is the future of Real Estate...
by python99
Fri Feb 15, 2013 8:01 pm
Forum: Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 2777

Re: Does This Pass the Sniff Test?

Your probably right..I am not an expert on that part of SSDI..since now I only know about me.....I guess I should figure on the smaller amount and see what happens when she gets to 62..
by python99
Fri Feb 15, 2013 7:34 pm
Forum: Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 2777

Re: Does This Pass the Sniff Test?

Clear enough...I did not clearly state the facts enough...however I think a re-reading of the thread one could reasonably understand/infer that I am on SSDI and my wife can claim on my SSDI @ 62...mea culpa...in the future I will try to be more precise...however I do appreciate everyones opinion...i...
by python99
Fri Feb 15, 2013 7:04 pm
Forum: Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 2777

Re: Does This Pass the Sniff Test?

Lack of background knowledge can lead one to make assumptions that are incorrect and indict someone unjustly. FYI...SSDI has provisions to try to work again while on disability to see if you can...if is unsuccessful you can return to the original SSDi claim and benefit. From the SSDI handbook.... .....
by python99
Fri Feb 15, 2013 4:10 pm
Forum: Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 2777

Re: Does This Pass the Sniff Test?

Hey Zotty.

Really thanks for the link...optimizing the tax footprint can save me a chunk of change over 30 years...I really appreciate the link!
by python99
Fri Feb 15, 2013 3:56 pm
Forum: Personal Investments
Topic: Does This Pass the Sniff Test?
Replies: 32
Views: 2777

Re: Does This Pass the Sniff Test?

BTW...one more thing maybe you can help clear up...what is the mechanics of actually drawing the SWR...do you sell bond fund and stock fund every month (per AA) to provide the cash...or do you lump sell enough for a whole year pf SWR and keep that in cash?