Search found 1478 matches

by fposte
Wed May 22, 2019 8:09 am
Forum: Personal Investments
Topic: $400,000 gift to stepdaughter
Replies: 76
Views: 8512

Re: $400,000 gift to stepdaughter

I find it interesting the comments that for someone that didn't go to college and has little chance of financial security that $15k a year is not going to make much of difference. That is more than 1/4 of what the average US family makes a year. A 25% boost to the average family, which it seems she...
by fposte
Tue May 21, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Recently promoted - how to match image with title?
Replies: 54
Views: 4836

Re: Recently promoted - how to match image with title?

Tailoring makes a huge difference, but don't limit yourself to stores that offer in-house tailoring (a lot of times they'll just send out anyway). Check whatever the usual suspects are in your neck of the woods for recommendations and start developing a relationship with an independent tailor. In so...
by fposte
Tue May 21, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Urgent credit problem
Replies: 35
Views: 3425

Re: Urgent credit problem

The main government site about identity theft is https://identitytheft.gov/ . It'll walk you through things. When I had my identity theft experience, they actually managed to lock me out of one of the credit bureaus directly, presumably having enough personal info from the docs they stole to power t...
by fposte
Fri May 17, 2019 11:34 pm
Forum: Personal Consumer Issues
Topic: Gardening/Wedding/Planning
Replies: 5
Views: 527

Re: Gardening/Wedding/Planning

I would either go for containers or for annuals planted close to the event and assume they won’t last, especially in the shade.
by fposte
Tue May 14, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3119

Re: Police and Troopers fund.

Any phone call of this sort, my response is always: 'Please take me off your call list, I am on the national do not call list, you are violating federal law.click.' Charities are not required to abide by the Do Not Call database. It's just for businesses. Yes, but no. Charities can call. Telemarket...
by fposte
Tue May 14, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3119

Re: Police and Troopers fund.

deikel wrote:
Tue May 14, 2019 2:39 pm
Any phone call of this sort, my response is always: 'Please take me off your call list, I am on the national do not call list, you are violating federal law.click.'
Charities are not required to abide by the Do Not Call database. It's just for businesses.
by fposte
Tue May 14, 2019 6:26 pm
Forum: Personal Investments
Topic: Calculating Maximum 403b contribution
Replies: 2
Views: 301

Re: Calculating Maximum 403b contribution

You need to check with your employer first; some have limits like 80% of paycheck that you'd need to factor in.
by fposte
Tue May 14, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: Chrome or Brushed Nickel [Bathroom fixtures]
Replies: 29
Views: 1983

Re: Chrome or Brushed Nickel

I'm a mid-mod person so I like chrome. Brushed nickel is warmer in tone, though, and as noted it shows drops and prints less.
by fposte
Mon May 13, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: PSA: Do you have working carbon monoxide detectors?
Replies: 44
Views: 2335

Re: PSA: Do you have working carbon monoxide detectors?

One on the first floor, one on the second. They’re labeled with month and date of installation so I know when they’re past it.

I do wish that there were better recycling options for superannuated CO and smoke alarms, though.
by fposte
Sun May 12, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Ever Had an Animal Stuck in Chimney? What Did You Do?
Replies: 32
Views: 2061

Re: Ever Had an Animal Stuck in Chimney? What Did You Do?

If it's a small animal of the rodent variety, dropping a rope down the chimney will be enough for them to crawl out. Bats and nesting birds will probably move on after they're finished. I don't recommend making a lane in your house to direct a squirrel to the door. They'll be in your curtains or cl...
by fposte
Sun May 12, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Ever Had an Animal Stuck in Chimney? What Did You Do?
Replies: 32
Views: 2061

Re: Ever Had an Animal Stuck in Chimney? What Did You Do?

If it’s a squirrel, it’s not going to be able to climb up of its own accord. I had one fall into my chimney and successfully followed the internet advice to make a lane for it between the fireplace and the door by blocking off other directions, then opened the damper. It didn’t come right out but wa...
by fposte
Sun May 12, 2019 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Possible to receive Massachusetts Retirement System Pension AND Social security
Replies: 5
Views: 788

Re: Possible to receive Massachusetts Retirement System Pension AND Social security

As a Massachusetts teacher she hasn’t been paying in to Social Security (she’s been paying into the pension instead); if she hasn’t been paying in for at least 40 quarters she’s not eligible for Social Security based on her own earnings. If she contributed sufficiently through other jobs she may be ...
by fposte
Thu May 09, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 124
Views: 17336

Re: Single People and Retirement Question

im also an academic but only in my late 20s (soon 30). But I don't like travelling. Am I doomed being single? Doomed to what? A full life you enjoy where you are? Whether you're partnered or single, you want to find satisfaction and reward in what you do when you're retired. Travel is interesting, ...
by fposte
Tue May 07, 2019 4:22 pm
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 13258

Re: I tried to fire my financial advisor of 12 years today...

OP, my financial advisor wasn't awful, and they kept me from doing stupid stuff with my money. I'm glad for that, but I'm even gladder that I moved away from them. As in your case, the assets I moved were all in taxable. What I did was sell anything with unrealized losses, and then sell up to the sa...
by fposte
Tue May 07, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Lost Mail
Replies: 29
Views: 1621

Re: Lost Mail

Doubt your checks are being whitewashed - but you should go ahead and report it so they can gather the data... The link to report is https://www.uspis.gov/report/ That's for fraud, though; the OP is just missing mail. Missing mail gets reported as described on this page . I'm not sure if you need a...
by fposte
Mon May 06, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 3896

Re: ants - aargh

You can buy Terro in baited packets where you cut open only one end, which is slightly less messy and less open to cats.

It can also be good to put one of those outside the house near the area where they’re coming in—ideally you want them nit to come in the house in the first place,
by fposte
Tue Apr 30, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: I'm not going to run out
Replies: 62
Views: 8514

Re: Retirees: I'm not going to run out

It's impossible to "run out of money" thanks to Social Security. There *are* people who are not in the Social Security system. California public school teachers, as an example, don't pay into Social Security and are not covered by it. One could imagine that the California state pensions getting int...
by fposte
Sat Apr 27, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to define wealth
Replies: 51
Views: 4716

Re: How to define wealth

I don't find wealth that useful a thing to define; it's too vague. I'd like to have enough to live as I wish, and for me it's also important to keep in mind that a lot of people don't have the resources that I do. Where in there you call it "wealth" doesn't really matter to me.
by fposte
Sat Apr 27, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 4882

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

People who hate/dread learning about a subject aren't likely to independently devote themselves to reading a book on the subject on their own. That's especially true of a subject where there's a lot of noise as well as a lot of signal and the odds of them choosing a useful book are less than even. I...
by fposte
Sat Apr 27, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Why I don't think I should get long term care insurance right now
Replies: 87
Views: 4560

Re: Why I don't think I should get long term care insurance right now

It is not only the elderly who require long term care. Illness and injury result in about 20 % of LTC Residents being younger than 50. That number is a fair bit higher than the CDC report here indicates--it says 84.9% of nursing home residents are over 65. And of course those 15.1% "below 65" numbe...
by fposte
Thu Apr 25, 2019 9:41 am
Forum: Personal Investments
Topic: Pensions and early retirement issues
Replies: 19
Views: 2186

Re: Pensions and early retirement issues

Does the pension link to anything else? Mine, for instance, comes with health insurance; I have to draw the pension to be eligible. That could make a huge difference in the advisable timing.
by fposte
Wed Apr 24, 2019 3:09 pm
Forum: Personal Investments
Topic: waiting for over 1 year to buy Norfolk Southern!
Replies: 30
Views: 2473

Re: waiting for over 1 year to buy Norfolk Southern!

This seems like fantasy football with stocks--which ones would you have, which ones do you wish you'd had earlier. Which there's no harm in--just keep it separate from your real money.
by fposte
Tue Apr 23, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Bilingual legal help for the elderly?????
Replies: 9
Views: 370

Re: Bilingual legal help for the elderly?????

Hello dear friends: Many thanks for your helpful replies........all of you have no idea the magnitude of your help in consumers affairs. Today,I'd like to inquire about: Finding a bilingual lawyer to draw a last testament with proceeds to be distributed here in the USA and overseas.I have tried an ...
by fposte
Tue Apr 23, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 33
Views: 2451

Re: Best pillow under $50?

spitty wrote:
Mon Apr 22, 2019 3:37 pm
Nobody's mentioned the My Pillow from all those TV commercials--anybody tried one? I admire Mike for overcoming 30+ years of addiction to become an upstanding businessman!
Upstanding save for the $1m he was ordered to pay for running bogus ads.
by fposte
Mon Apr 22, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 26
Views: 1532

Re: Controlling Ivy on walls

Since there seems to be some difference in opinion on different types of Ivy, here’s a picture of the Ivy that’s on my garage, coming from one neighbor’s property (assuming I posted the image correctly, first time trying that): This is in Washington DC if that matters. https://i.postimg.cc/K1qfgswH...
by fposte
Mon Apr 22, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: If FIRECalc shows 100% success rate, what holds you back from retiring?
Replies: 126
Views: 11578

Re: If FIRECalc shows 100% success rate, what holds you back from retiring?

Interesting question. I would actually be okay on the slightly reduced pension I'd get if I retire now (and have some projections in case health problems mean I need to retire earlier), but waiting until full pension gives me time to arrange for transitions and a useful external marker. If I didn't ...
by fposte
Sun Apr 21, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?
Replies: 44
Views: 5137

Re: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?

If it's a hard water stain, I'd just pour a bottle of vinegar in and let it sit for overnight or the equivalent, then wipe it up. Same process with showerheads and kettles.. The color leads me to think that there may be iron involved, though.
by fposte
Sat Apr 20, 2019 11:17 am
Forum: Personal Investments
Topic: How to get funds out of Actively Managed?
Replies: 14
Views: 1299

Re: How to get funds out of Actively Managed?

Do you still work with this financial advisor or pay him money? If not, you can just change these on your own at Fidelity. Fidelity has perfectly fine low-cost index funds for you to change to. Note that this won't be a taxable event in the IRAs, but any gains on the taxable assets are subject to ta...
by fposte
Wed Apr 17, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Am I getting the runaround from my dentist?
Replies: 19
Views: 1976

Re: Am I getting the runaround from my dentist?

Around here it's standard for the patient to wait for reimbursement; even the endodontist I go to, who used to do it the way you describe, has joined the "full payment from patient at time of service" crowd. I suspect that this is not unrelated to the high number of state employees in town, whose r...
by fposte
Wed Apr 17, 2019 11:21 am
Forum: Personal Investments
Topic: Financial Advisor Issues
Replies: 18
Views: 1432

Re: Financial Advisor Issues

With the current advisors, I started at 83k. I spent a little around 20k on tuition. Honestly, I'd stop looking in the rear-view mirror on this--these are expensive advisors who don't earn their keep and you're moving elsewhere. If you feel you need an advisor for reassurance, go with Vanguard PAS ...
by fposte
Wed Apr 17, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Am I getting the runaround from my dentist?
Replies: 19
Views: 1976

Re: Am I getting the runaround from my dentist?

Amazing how different dentists work. The process at my dentist is: For a cleaning I pay nothing until claim s processed. For dental work, the dental office estimates insurance payment. I pay the part not covered immediately. I get a statement/bill/refund when claim is processed. Maybe a different d...
by fposte
Wed Apr 17, 2019 9:30 am
Forum: Personal Investments
Topic: Ditching Edward Jones...but need some advice & guidance
Replies: 9
Views: 1407

Re: Ditching Edward Jones...but need some advice & guidance

You mention that the taxable account is @$77k; do you know what the unrealized gains actually are, individually and totally? Do you know what your income bracket is likely to be this year and is there a chance you'd have some space in 0% capital gains? Do any of the assets have unrealized losses rat...
by fposte
Tue Apr 16, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Executor of Will - Selling House in Poor Condition
Replies: 84
Views: 6488

Re: Executor of Will - Selling House in Poor Condition

OP, is the land the main value here? In some areas a house like that would be razed and something new built on the property. Yet another reason to get local realtor opinions before deciding what to do.
by fposte
Sat Apr 13, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4292

Re: How to avoid throwing money at problems?

I like the saying that "Sometimes the easiest way to pay is with money." The key is knowing when "sometimes" is. I too vote for unloading the 20 acres, through sale, ag lease, whatever is practicable in your area. You don't currently have resources to be a farmer, rancher, or forester. That would ha...
by fposte
Sat Apr 13, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Gifting mutual fund shares to a charity from Vanguard
Replies: 12
Views: 798

Re: Gifting mutual fund shares to a charity from Vanguard

The wiki actually has a page on this. It suggests that yes, the charity does have to fill out the form, and that it has to have a brokerage account somewhere, but not necessarily Vanguard.
by fposte
Fri Apr 12, 2019 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: NJ 403b Madness
Replies: 10
Views: 944

Re: NJ 403b Madness

3) You could see if your 403(b) will allow in service withdrawals (so you could move it to an IRA and then convert to Roth IRA) or in plan conversions (so you could convert within the plan to Roth 403(b)). IRS regulations prohibit the in-service rollover of employee elective contributions prior to ...
by fposte
Fri Apr 12, 2019 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: NJ 403b Madness
Replies: 10
Views: 944

Re: NJ 403b Madness

3) You could see if your 403(b) will allow in service withdrawals (so you could move it to an IRA and then convert to Roth IRA) or in plan conversions (so you could convert within the plan to Roth 403(b)). IRS regulations prohibit the in-service rollover of employee elective contributions prior to ...
by fposte
Fri Apr 12, 2019 12:09 pm
Forum: Personal Investments
Topic: Please wrap your Boglehead around this
Replies: 31
Views: 6178

Re: Please wrap your Boglehead around this

Only responding because I love your name Villanelle . Probably due to my love of Berlioz's Les nuits d'été of which the first song is indeed entitled Villanelle . I too am responding because i love the screen name, though my associations with it are poetic rather than musical. "The art of losing is...
by fposte
Fri Apr 12, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: NJ 403b Madness
Replies: 10
Views: 944

Re: NJ 403b Madness

The contribution is most definitely taxed. Only 401(k) contributions are exempt from NJ state taxes; otherwise all other form of contributions to employer-sponsored defined-contribution plans are taxed. I think what terran means is that you're not taxed on the contributions when withdrawing, so it'...
by fposte
Fri Apr 12, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Hiring a lawyer separate from estate lawyer after a death
Replies: 3
Views: 510

Hiring a lawyer separate from estate lawyer after a death

A relative lost an unmarried longterm life partner recently, and she's not great with practical stuff (that was his area). He died intestate and with sufficient medical bills that the estate will definitely be insolvent. Their shared residence is JTWROS so she's okay there, but there are personal be...
by fposte
Thu Apr 11, 2019 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house next year. Wife wants a big house. Thoughts?
Replies: 104
Views: 8641

Re: Buying a house next year. Wife wants a big house. Thoughts?

What's the square footage for each of those houses?
by fposte
Thu Apr 11, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17701

Re: Bogleheads, why won't anyone hire me?

You mentioned English is not your first language and you are a skilled soccer coach for children. Have you considered combining these? Soccer with foreign language immersion is a new offering in my metro (parks and rec, after-school offerings) and it's a hit. I don't think we've clarified if the OP...
by fposte
Wed Apr 10, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Hospice and Medicare Advantage Plans - a little known Catch22
Replies: 40
Views: 3183

Re: Hospice and Medicare Advantage Plans - a little known Catch22

I have a question. When my father passed away in the hospital in 2013, it was going to be his last day there as they were going to transfer him to a hospice the following day. On any rate, despite the fact he had Medicare and an Advantage plan, there was still going to be a modest daily balance for...
by fposte
Wed Apr 10, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Remote control solution for my parents.
Replies: 38
Views: 2333

Re: Remote control solution for my parents.

Easy. 1) Turn on the receiver, leave it on. Put a piece of tape over the power button. 2) Put the TV remote into a desk drawer. Put a piece of tape over the desk drawer. 3) Program the cable box remote so that the "TV" power button on it works 4) Show parents how to turn the TV on/off using the cab...
by fposte
Wed Apr 10, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: sort of deadbeat tenant
Replies: 23
Views: 2744

Re: sort of deadbeat tenant

You really need to check the landlord laws in your municipality/county/state. They will govern, and if you do this wrong, you're asking for legal trouble yourself.
by fposte
Wed Apr 10, 2019 12:25 pm
Forum: Investing - Theory, News & General
Topic: Baby boomer vicious cycle crash
Replies: 63
Views: 5591

Re: Baby boomer vicious cycle crash

"You are thinking too much and trying to predict the unpredictable." I would agree almost always when trying to predict the market but the Baby Boomers hitting retirement with a much smaller population right behind it is something that the market hasn't experienced yet in it's history as far as I k...
by fposte
Wed Apr 10, 2019 12:17 pm
Forum: Investing - Theory, News & General
Topic: Baby boomer vicious cycle crash
Replies: 63
Views: 5591

Re: Baby boomer vicious cycle crash

"You are thinking too much and trying to predict the unpredictable." I would agree almost always when trying to predict the market but the Baby Boomers hitting retirement with a much smaller population right behind it is something that the market hasn't experienced yet in it's history as far as I k...
by fposte
Wed Apr 10, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17701

Re: Bogleheads, why wont anyone hire me?

Instead of looking at your resume look at your interviewing skills. You may want to sit down with a professional interviewer to help you figure out what is missing or lacking when you interview. You should also look at doing some extra interviews just to get the practice of interviewing even if you...
by fposte
Wed Apr 10, 2019 10:46 am
Forum: Personal Investments
Topic: Inheritance Advice for Newbie:
Replies: 13
Views: 1470

Re: Inheritance Advice for Newbie:

This doesn't look all that complicated to me, to be honest; it seems pretty standard for people in government/education who've been able to make contributions to more than one plan. (I'm guessing the TIAA account is from a former job?) You could simplify it a little further, but I'm actually going t...
by fposte
Wed Apr 10, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17701

Re: Bogleheads, why wont anyone hire me?

Consider the following: 1) find a trusted mentor to provide critical, gut wrenchingly difficult feedback on your strengths/weaknesses Agree with this, and also feedback on the resume, which almost certainly isn't helping. You've had people say it seems fine--but your goal is to be better than every...