Search found 1094 matches

by fposte
Fri Feb 23, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Rolling over deceased mom's accounts
Replies: 15
Views: 1219

Re: Rolling over deceased mom's accounts

Best to wait and let the brokerage do their thing. They should get the stepped up basis stuff correct, set up an account number for you, transfer to your account, sell as you direct, etc. You can count on them charging you a commission for all this. Just sit tight and let it play out - brokerages d...
by fposte
Thu Feb 22, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2251

Re: Is a prenup required to establish a list of separate property before marriage?

"There are two different systems for classifying marital property in the United States: the common law property system and the community property system. Most states [...] utilize the common law property system." Sorry, you're right and I was wrong--my apologies for the slightly flu-inflected derail.
by fposte
Thu Feb 22, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2251

Re: Is a prenup required to establish a list of separate property before marriage?

Do you mean community property state? Every state except Louisiana is based on common law. Actually, there are nine states.... https://www.legalzoom.com/articles/do-you-live-in-a-community-property-state This just came up in another thread. I was surprised to learn there are 9 community property st...
by fposte
Thu Feb 22, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Is a prenup required to establish a list of separate property before marriage?
Replies: 67
Views: 2251

Re: Is a prenup required to establish a list of separate property before marriage?

Do you mean community property state? Every state except Louisiana is based on common law. Actually, there are nine states.... https://www.legalzoom.com/articles/do-you-live-in-a-community-property-state This just came up in another thread. I was surprised to learn there are 9 community property st...
by fposte
Wed Feb 21, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 165
Views: 8034

Re: What UN-frugal thing do you do?

Massage (though I count that as health care after two back surgeries).
Garden.
Cheese.
Art.

(Car is fifteen years old this year and the mortgage is under $600 a month.)
by fposte
Wed Feb 21, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 183
Views: 13543

Re: What if you only live off dividends?

NibbanaBanana wrote:
Tue Feb 20, 2018 11:06 pm
In the GFC, dividends were cut by 20%. Stock prices fell by 50%. Which would you rather sell?
But the dividends came from the stocks; it's not an either/or. You still drew down on stocks.
by fposte
Tue Feb 20, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 2721

Re: Repairing Stucco: A Case of Contractor Gouging

Price fixing is when competitors collude to set prices. It doesn't apply in your situation. You were quoted a wide range of prices. Your concern is completely different. Generally, it's called priced discrimination or differential pricing, or more informally and more particular to your situation, p...
by fposte
Tue Feb 20, 2018 1:06 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9444

Re: Single People and Retirement Question

I've spent many years coming to Sun City, AZ as a snowbird and have seriously looked into full-time living here. But, I've found senior retirement communities like this to be enormously vacuous for someone like me. Most of the population seems to be attracted to the American lifestyle of material, ...
by fposte
Sun Feb 18, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Public Service Loan Forgiveness-Has it worked for anyone?
Replies: 26
Views: 2412

Re: Public Service Loan Forgiveness-Has it worked for anyone?

Apparently the DOE isn't saying, for some reason. This report indicates that approximately 7500 people had applied for forgiveness and gives some detail about how the program went haywire.
by fposte
Sun Feb 18, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Over 55 does contributing to a Roth 401K make sense based on new Tax Brackets
Replies: 25
Views: 1847

Re: Over 55 does contributing to a Roth 401K make sense based on new Tax Brackets

That's what I'm doing because of ending up in 22%. I'll retire with a pension, so there's no obvious future income dip to enable me to do lower-taxed conversions, and I've got a fair bit already in tax deferred. I was teetering anyway when it was jumping me up to 25%, so when I was sliding in at 22%...
by fposte
Sun Feb 18, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5787

Re: Effect of spending money on appearance in career

I don't disagree with you. And I had not put any pressure on my company - I had actually accepted another offer and turned my two weeks in when my CEO got involved and offered me the income of the next promotion (hence why there will be no change if I get promoted) and talked to me about his vision...
by fposte
Sat Feb 17, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5787

Re: Effect of spending money on appearance in career

It really sounds to me like you're getting a message: you are not going to progress there. By all means, up your presentation game if you're inclined, but I'd do it to bolster a job hunt, not in hope that they'll finally drop the carrot they're dangling. (Did you point out you have the same number o...
by fposte
Sat Feb 17, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5787

Re: Effect of spending money on appearance in career

Honestly, notmyhand, before I went and revamped myself I would have a heart-to-heart with my manager. "Usually people in my position are promoted after six months. Can we talk about what metrics for promotion I've fallen short on and what targets I'd have to meet for promotion?" I think at this poin...
by fposte
Sat Feb 17, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5787

Re: Effect of spending money on appearance in career

I'm in academics partly to avoid that kind of thing. First, keep in mind that if they're finding a pretext not to promote you, lipstick isn't necessarily going to change that, so don't kill yourself trying. However, it may be good to have some different sartorial tools at your command just because m...
by fposte
Fri Feb 16, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 2721

Re: Repairing Stucco: A Case of Contractor Gouging

Did you ask him what he meant? I wouldn't assume that this was based on your perceived swankiness when it could be the age of housing, the ease of access for his truck, etc. IME, getting craftspeople out for small jobs like that is tough--they're fitting you in around doing whole rooms and houses, s...
by fposte
Fri Feb 16, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Direct Primary Care-Anyone use it?
Replies: 11
Views: 974

Re: Direct Primary Care-Anyone use it?

A friend of mine had this. It has not gone well. The doctor poorly supervised a medication change, my friend ended up in the hospital, and the doctor has largely ducked her calls since then.
by fposte
Thu Feb 15, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1440

Re: Keep crows off of chimney caps

I'm less bothered by the nesting than the banging, which the spikes would seem to impede, but maybe I'll talk to the extension office here to see if they have suggestions.
by fposte
Thu Feb 15, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1440

Re: Keep crows off of chimney caps

I might stand in my front yard and pretend-shoot them with a broom just for the effect on my neighborhood reputation. I suspect spikes are actually the most practical solution; the height of the chimney puts it out of my conceptual and literal reach, so I'll see who I can get to clamber up there and...
by fposte
Thu Feb 15, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 65
Views: 4075

Re: Is This Action by Megacorp Legal?

Notice of changes to the 401k come from Megacorp and Not Fidelity. The search for notification may be in the wrong area here. I too have encountered changes over 30 years from different 401k management. All have given 90 days notice as well as the new funds coming and the old funds leaving and what...
by fposte
Wed Feb 14, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1440

Re: Keep crows off of chimney caps

Release a helium balloon strapped to a cat up the chimney next time the banging starts. Wouldn't I just have to follow that up with a dog strapped to a bigger helium balloon to catch the cat? Plus my chimney's not that big and I might bet on the crows. I didn't realize bird-spike strips were so sim...
by fposte
Wed Feb 14, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Keep crows off of chimney caps
Replies: 29
Views: 1440

Keep crows off of chimney caps

I have two chimneys, one unused one for the furnace and one for the fireplace. They both have metal chimney caps. They're higher than the ridge on my second-story house. And suddenly the neighborhood crows have decided that's a great place to perch, and they're particularly amused by banging on the ...
by fposte
Wed Feb 14, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: How to advise a parent
Replies: 22
Views: 1891

Re: How to advise a parent

I think the Bogleheads book is better for the newbie already flirting heavily with conversion. For the "have a peek at what's possible" task I go to Bernstein's If You Can; it's more like a magazine article than a book
by fposte
Tue Feb 13, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Gut check: is this lifestyle creep?
Replies: 37
Views: 5471

Re: Gut check: is this lifestyle creep?

I think some of it is lifestyle creep, and that that's not automatically a bad thing. It's one thing to live below your means; it's another to live forever as if you were still only earning your entry-level pay. You're maxing out the tax-advantaged space first; can you get to the retirement you want...
by fposte
Sun Feb 11, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 9444

Re: Single People and Retirement Question

I'm another single academic with an all-consuming job approaching retirement. Unlike you, I'm going to go on the early side (pre-60), which is somewhat heretical in academics where, as you intimate, you're supposed to publish until you're 90. I have some of the same concerns as you so I'm doing some...
by fposte
Sat Feb 10, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51162

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Thanks, I've seen those; I was just trying to find out what of those was no longer true, especially for the 2017 taxes I'm working on this weekend, since the budget deal.
by fposte
Sat Feb 10, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51162

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

So does anybody know of a good overview for yer basic citizen of what tax changes are in yesterday’s budget deal? The news mainly wants to talk about the renewed ability to depreciate one’s racehorses, which is not exactly actionable info for me.
by fposte
Thu Feb 08, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 8646

Re: Tenants want to break lease early and is pregnant

My inclination is to have them pay or (if you allow) find subletters. If they gave enough notice that you can find new tenants, I'd let them off the hook though. I really doubt subletting is possible/practical for just the 1-2 months. It's common around here to start with a sublet and roll over int...
by fposte
Wed Feb 07, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Books/articles on life 100-120 years ago?
Replies: 19
Views: 1269

Re: Books/articles on life 100-120 years ago?

For Chicago, see if you can get Henry Blake Fuller's The Cliff-Dwellers (1893) from the library; it's the key Chicago novel of the late 19th century, devoted to the rising (ha-ha) skyscraper class. The first half of Dreiser's Sister Carrie (1900) is set in Chicago, about a country girl from Wisconsi...
by fposte
Tue Feb 06, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 5816

Re: Washer/Dryer longevity ?

My Kenmore W/D set was in the house when I moved in in '99; I think they're from the early '90s. They're built like tanks, there's a great local repair guy, and I'm a light user, so I'd rather soldier on with these than worry about upgrading to units with a shorter lifespan, especially since install...
by fposte
Tue Feb 06, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Want a Safe Car, Feel Guilty
Replies: 72
Views: 5175

Re: Want a Safe Car, Feel Guilty

What price would make you feel not guilty? Or is your guilt tied to buying a car new rather than used even if the model you're looking at has a lower price point?
by fposte
Mon Feb 05, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13403

Re: Financial Hole

People are talking about grocery expenses, but honestly, if you can cut down your housing that's going to make the biggest difference. If you're living on your own, roommating may be the way to go.
by fposte
Thu Feb 01, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266402

Re: U.S. stocks in freefall

Bogle's philosophy makes sense to me for the world we currently live in. But it feels like there are so many indications that that world will change. How do you take the long-view in investment strategy when you half-expect the underlying assumptions about the world and the economy to no longer be ...
by fposte
Mon Jan 29, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 83
Views: 6652

Re: Neighbor recently burgalerized - Suggestions for home security

barnaclebob wrote:
Mon Jan 29, 2018 12:18 pm
A good lock or strong door frame doesn't matter if there is glass withing reaching distance of the lock itself. The glass can be broken and the intruder can reach around to unlock it.
There's relatively inexpensive shatterproof film you can put on glass to reinforce it.
by fposte
Mon Jan 29, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 83
Views: 6652

Re: Neighbor recently burgalerized - Suggestions for home security

A lot of this is about what you want to pay for and live with. But reinforced strikeplates for deadbolts are comparatively inexpensive and will seriously slow down anybody trying to do door entry, so I think they're a great first step while you're figuring out what else you might want to do.
by fposte
Sun Jan 28, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: An Assistant to Help And Not an Employee?
Replies: 10
Views: 1130

Re: An Assistant to Help And Not an Employee?

I'm afraid I can't help you with the answers to questions 1-3, but it sounds like the kind of a position that would usually be considered an employee, and you really don't want to illegally treat somebody as contractor.

Here is the IRS on some key differences.
by fposte
Sat Jan 27, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to Protect Assets Without a Prenup
Replies: 48
Views: 3424

Re: Ways to Protect Assets Without a Prenup

We did a pre-nup without having to pay a lawyer. Did some research on state laws and form. $ that would have paid an lawyer is now compounding in the market as I type this. Unless it was taken to court, though, you have no idea of how solid the prenup was. Writing a document isn't hard. Writing a d...
by fposte
Fri Jan 26, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Are 100-year old homes junk?
Replies: 62
Views: 2267

Re: Are 100-year old homes junk?

It's a personal call. 100-year-old homes aren't junk, any more than 100-year-old civic or commercial buildings are, and most of us have experienced those. But the challenges and drawbacks of homes will differ depending on their age and construction. I would have loved an old wooden Victorian but wou...
by fposte
Thu Jan 25, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5469

Re: Exterminator Accidently Sprayed our Home

Pyrethrin is much less toxic to cats than permethrin, and it breaks down quickly if exposed to light. You might call your vet's office to see if they have a recommendation on the situation, but from my understanding this isn't a substance that's likely to be harmful with this level of exposure.
by fposte
Thu Jan 25, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5469

Re: Exterminator Accidently Sprayed our Home

Definitely could be different stuff sprayed outside, but that depends on what was being sprayed for; it's also still not clear to me if that was what happened or it was something else. (Also, of course, stuff dissipates faster outside than inside.)
by fposte
Thu Jan 25, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5469

Re: Exterminator Accidently Sprayed our Home

I was assuming there was exterior exterminating spraying, and thus fumes got inside. That could still be bad, especially with children (or yes, pets). I was mainly thinking about permethrin, which is a commonly used spray that's pretty safe for humans, even small ones, but is really bad for cats. I...
by fposte
Thu Jan 25, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 5469

Re: Exterminator Accidently Sprayed our Home

Just to be clear, the situation was that you had an exterminator in to inspect but didn't authorize spraying, rather than a rogue exterminator broke into your house? And in addition to asking about kids, do you have pets? If you have kids or pets, I would call the exterminator ASAP and keep the kids...
by fposte
Thu Jan 25, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 3679

Re: Strategies to combat the urge to spend?

In addition to what people say, pay attention to the people you know who spend less, not just those who spend more. It's easy just to notice the latter category and forget about the first. Look online if you want to: https://www.cnbc.com/2017/09/28/these-6-super-rich-celebrities-still-drive-cheap-ol...
by fposte
Thu Jan 25, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do you decide how wealthy you really are?
Replies: 58
Views: 7944

Re: How do you decide how wealthy you really are?

I throw old strawberries onto the compost heap rather than eating them. I think that's pretty wealthy in global terms. Beyond that I don't really care about "wealthy"; I want money to be enough for me to do stuff, not to be stuff.
by fposte
Thu Jan 25, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: how to choose mangoes?
Replies: 23
Views: 1315

Re: how to choose mangoes?

Tommy Atkins are basically the Red Delicious of mangoes. A ridiculous market share despite the fact that people who like that fruit really don't like that cultivar.
by fposte
Thu Jan 25, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: how to choose mangoes?
Replies: 23
Views: 1315

Re: how to choose mangoes?

The most popular mango cultivar in most supermarkets, the green and red one, is the Tommy Atkins. It’s a great cultivar for growing and shipping but not so reliable for eating. The smaller yellow Ataulfo isn’t as widespread but is still pretty attainable, and it’s a lot better eating. See if you can...
by fposte
Wed Jan 24, 2018 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Lost my husband's SSA account
Replies: 19
Views: 2254

Re: Lost my husband's SSA account

Fair point, especially since I couldn't list URLs, but a quick Google should confirm them.
by fposte
Wed Jan 24, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 8825

Re: Working in the real world

It's a Bank of America survey. Here is an overview.
by fposte
Wed Jan 24, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 8825

Re: Working in the real world

I know that you probably know this but maybe worth repeating ... My suggestion is to cherry pick Bogleheads like you would most other things. Spend less time (regularly) reading Personal Investing and Person Finance and do most of your reading in PCI and Theory, which I find educational, fascinatin...
by fposte
Wed Jan 24, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Lost my husband's SSA account
Replies: 19
Views: 2254

Re: Lost my husband's SSA account

From the Social Security site: What should I do if I am having problems setting up a “my Social Security” online account or have access and/or password problems? If you are unable to create an account or encounter a problem with your my Social Security account, you may: Call us at 1-800-772-1213 (TT...