Search found 959 matches

by fposte
Wed Oct 18, 2017 1:32 pm
Forum: Investing - Theory, News & General
Topic: Office wants to pay dentist as contractor (sub-s). Any issues?
Replies: 12
Views: 705

Re: Office wants to pay dentist as contractor (sub-s). Any issues?

Is there a hygienist and office staff? Who is responsible for paying them?
by fposte
Tue Oct 17, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 77
Views: 4884

Re: how long did it take to get used to retirement

I have been retired a year and three months, and I am still not used to it. The hardest part for me is filling my needs for social interaction and mental stimulation that the job formerly supplied. I have plenty of things to do, but it seems like too many of them involve being at home alone. And as...
by fposte
Tue Oct 17, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare change upcoming - preauthorization for imaging tests
Replies: 13
Views: 1218

Re: Medicare change upcoming - preauthorization for imaging tests

In the November 2017 issue of Consumer Reports on health, there is an article about an upcoming Medicare change (optional in 2018, mandatory in 2019) that will require Preauthorization (PA) for expensive imaging tests (such as MRIs, CT scans, nuclear imaging). If the PA is not received, then you ma...
by fposte
Mon Oct 16, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Making a Roth IRA for my Dad
Replies: 28
Views: 989

Re: Making a Roth IRA for my Dad

I was under the impression you could open a Roth IRA with any amount you want, and that you were just limited to the contribution in the subsequent years ($5,500/6,500) but I'm not sure. Does anyone know this? You cannot put more than $6500 a year directly into an IRA from taxable accounts, whether...
by fposte
Mon Oct 16, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Making a Roth IRA for my Dad
Replies: 28
Views: 989

Re: Making a Roth IRA for my Dad

I believe that if he is in and stays in the 15% tax bracket that long term capital gains is not taxed. (Make sure that you verify this.) Long-term capital gains are 0% only up to the top of the 15% bracket--if your conversions move you into 25%, that's 15% on anything over the line. (Which still is...
by fposte
Wed Oct 11, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2272

Re: Best weight loss resources?

I really loved Brian Wansink's Slim by Design . It's a neat, funny, actionable distillation of his research into food behavior, not simply nutrition, so there is information about what makes people eat more in restaurants and at home, and what's made a difference in people's grocery shopping. Plus t...
by fposte
Mon Oct 09, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Pare back allocation?
Replies: 10
Views: 866

Re: Pare back allocation?

Don't assume that because your pension does not have an inflation adjustment that the OP's doesn't either. Case in point, my state teacher's retirement has an unlimited CPI adjustment each year based on the previous year. Not that this amounted to much considering the low CPI data Washington has ca...
by fposte
Sun Oct 08, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2300

Re: What to do with unused paint?

This will make some people angry, but I make sure the lids are on properly then put it in thick contractor-style black trash bags and put it in the trash can for pickup. Where I live, the trash folks will take anything as long as they can't see what it is. Yes, it does make some people angry. Do yo...
by fposte
Sat Oct 07, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 190
Views: 21530

Re: Identity theft

Maybe someone has pointed this out but on every account I have I immediately get a notification at my old email address that it has been changes along with a message to contact them if this is an unauthorized change. Does TransAmerica not do this? I believe Brak has said his father had no email add...
by fposte
Fri Oct 06, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3311

Re: Sent to collections by a hospital we've never been to?

The OP stated that the notice was from a collections agency, so I read that as being from an outside agency. Perhaps the OP could clarify this. I don't know whether the FDCPA applies in-house (but I suspect not). If the bill came from an in-house collections department, I would still write rather t...
by fposte
Fri Oct 06, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3311

Re: Sent to collections by a hospital we've never been to?

Write a letter within 30 days of your receipt of the collections letter stating that you dispute the validity of the bill. Request verification of the bill. See what the collections agency sends you. Then use that information to take further action. This preserves your rights, requires the collecti...
by fposte
Thu Oct 05, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 3965

Re: Trying to convince my sister not to use a financial advisor

My guess: the percentages don't work on her because it's a personal factor. She's had enough conversation with this guy that she feels comfortable with him and committed to him, and maybe she feels like it would be awkward to back out now. If so, your thinking that she shouldn't feel like this won't...
by fposte
Wed Oct 04, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: iphone app for checking stocks and funds?
Replies: 9
Views: 788

Re: iphone app for checking stocks and funds?

I have a stocks widget on my laptop dash; it's customizable by ticker. I think it goes through Yahoo.
by fposte
Tue Oct 03, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9146

Re: Senior citizens can lose everything [to professional guardians via court rulings]

I'm afraid it doesn't sound to me like most of what people are suggesting would have prevented the circumstances in NM and NV. If the family doctor didn't play ball, they found another one; if the family tried to interfere, the guardian banned them and the court sanctioned them. If the child takes l...
by fposte
Tue Oct 03, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9146

Re: Senior citizens can lose everything [to professional guardians via court rulings]

Another reason to have a strong power of attorney in place. I would like to discuss how a power of attorney would remedy this issue. A trusted relative with greater mental acuity had POA they might be able to fight this more effectively, but the subjects of the attack were unable to stop the procee...
by fposte
Tue Oct 03, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9146

Re: Senior citizens can lose everything to this growing scam

But...this is very concerning. I scanned the article and actually it appears that OP's title is a bit overactive, as it seems that the particular abuse described has been reined in to a degree. It sounded more to me like one bad actor got caught and one state may be enacting legislation to limit th...
by fposte
Thu Sep 28, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Email address compromised - HELP!!!
Replies: 28
Views: 2418

Re: Email address compromised - HELP!!!

Do you have any reason to think this was somebody's personal vendetta? If you Google your email address, do you find anything significant? It's possible that this is just what used to be called a Joe job; your email got spoofed as the return address for spam and bots picked it up for other stuff. I'...
by fposte
Mon Sep 25, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6783

Re: Tipping question....Applebees

It has to be at least $30 per month "customarily and regularly" for the employee to be classified as tipped; at least in my area, I doubt that many counter jars get there. However, wage irregularities and misclassifications are pretty common, so I've no doubt that some employers are doing as you su...
by fposte
Mon Sep 25, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6783

Re: Tipping question....Applebees

Isn't that why we see tip jars are counter service locations, so the employees can reduce their labor costs by treating the staff as "tipped"? It has to be at least $30 per month "customarily and regularly" for the employee to be classified as tipped; at least in my area, I doubt that many counter ...
by fposte
Tue Sep 19, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Finding contractor for small-ish, hourly job (deck carpentry)
Replies: 19
Views: 1094

Re: Finding contractor for small-ish, hourly job (deck carpentry)

If it's reasonably active in your area, Nextdoor.com is a good place to get recommendations for people with specific handy skills that aren't contractor level.
by fposte
Mon Sep 18, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 63
Views: 4881

Re: What money to store outside for disaster?

Jack FFR1846 wrote:
Mon Sep 18, 2017 8:58 am
Where I live, the most likely disaster is going to be a blizzard.
Around me it's a tornado. It sure would be ironic, given my storage of emergency stuff in the basement, if I ended up with a flood instead.
by fposte
Sun Sep 17, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Is this TIAA TRAD 3% or 2.5%?
Replies: 17
Views: 1151

Re: Is this TIAA TRAD 3% or 2.5%?

When would someone want to park money at minimum of 2.5% (for any period of time at all), if they could keep it at a minimum of 3% for the same time period, and with equal opportunity to <do whatever> with the money next? Beats me. When I was first trying to figure out my TIAA Trad and talked to so...
by fposte
Sun Sep 17, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Is this TIAA TRAD 3% or 2.5%?
Replies: 17
Views: 1151

Re: Is this TIAA TRAD 3% or 2.5%?

ResearchMed wrote:
Sun Sep 17, 2017 9:53 am

Does anyone here have a 3% *unrestricted* Trad Ann that includes the lower paying "2.5% payout annuity"?
It looks like that terminology appears in the overview every flavor I can find of of TIAA Trad, including the GSRA and the SRA, which I believe are both unrestricted.
by fposte
Thu Sep 14, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Are Cotton Blankets Good For Winter?
Replies: 21
Views: 1581

Re: Are Cotton Blankets Good For Winter?

Is an all cotton blanket going to provide warmth during cold winters? Now keep in mind I already have a big top blanket that has fill inside. Does "top blanket" mean the cotton would be going underneath this, or are you trying to jettison that big blanket for something lighter? If you are looking f...
by fposte
Mon Sep 11, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Protection Aginst Tax Fraud in Light of Equifax Hack
Replies: 6
Views: 822

Re: Protection Aginst Tax Fraud in Light of Equifax Hack

There is the IRS's https://www.irs.gov/pub/irs-pdf/f14039.pdf; I don't actually know what action the IRS takes as a result of it, though.
by fposte
Fri Sep 08, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46986

Re: Equifax customer information leak

Actually it isn't totally clear to me if the people being given dates are actually compromised. Using their site I have seen 3 responses returned to people: 1) we believe your personal information may have been impacted 2) your enrollment date for TrustedID Premier is 3) we believe your personal in...
by fposte
Thu Sep 07, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46986

Re: Equifax customer information leak

They're already offering free enrollment in "Trusted ID Premier" for those involved. It's slightly weird, in that the way they tell you whether your info was involved or not is by telling you when you'd be allowed to enroll (for reasons I'm not clear on it's staggered by date).
by fposte
Wed Sep 06, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 5727

Re: Wife believes 7+% returns from stock market are guaranteed

You asked about taking a loan from your 401k last year. Did you take that loan to pay for the house in cash rather than acquiring a mortgage? Your wife may be reasonably questioning the overall resistance to a mortgage, even if she's overoptimistic on the stock market returns.
by fposte
Tue Sep 05, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: taking probiotics anyone
Replies: 10
Views: 1032

Re: taking probiotics anyone

selftalk wrote:
Tue Sep 05, 2017 6:38 pm
I learned from reading today that Activa was the best for the live cultures.
It depends which strains you're looking for. It is also, as Yooper notes, super easy to make your own, and you can get a lot more microbial action that way.
by fposte
Tue Sep 05, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Book Recommendations: Nutrition / Psychology
Replies: 28
Views: 2170

Re: Book Recommendations: Nutrition / Psychology

How about some food psychology? Brian Wansink's Mindless Eating is funny and fascinating.
by fposte
Mon Sep 04, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5206

Re: Coyote Defense

Geneyus wrote:
Mon Sep 04, 2017 8:05 pm
Single coyotes don't go near humans, unless they're rabid.
Or habituated, unfortunately. Always a game-changer in animal behavior.
by fposte
Sat Sep 02, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors warping?
Replies: 19
Views: 1801

Re: Hardwood floors warping?

I can't imagine that your cleaner used a large amount of water. Leave your windows open for a while and run some fans. Running dehumidifiers for a prolonged time can get pricey. I would only recommend that if you think your subfloor got soaked. I don't think the subfloor got soaked--it was more the...
by fposte
Fri Sep 01, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors warping?
Replies: 19
Views: 1801

Re: Hardwood floors warping?

Oh, this is very reassuring--thanks. I will try that and cross my fingers!
by fposte
Fri Sep 01, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors warping?
Replies: 19
Views: 1801

Hardwood floors warping?

So my very nice cleaners were inexplicably clueless and scrubbed down my hardwood floors with water. (It was a lot of work for something so wrong.) That was Tuesday, and I'm finding definite signs of warping in spots today. Resanding isn't anywhere near in the budget--does anybody know if they might...
by fposte
Fri Sep 01, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 3719

Re: Discover card inquiry about income and liquid assets

I've been seeing this for months and I've ignored it; that hasn't caused any problems.
by fposte
Wed Aug 30, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5206

Re: Coyote Defense

I'd be interested in the details of that and the definition of "attended". If the human was within a few feet of the doggo, I don't see the coyote attacking. A quick Google suggests that it happens, though, and not as infrequently as you might think. And if it was a small dog, it was more vulnerabl...
by fposte
Mon Aug 28, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Check serial number caused an issue
Replies: 26
Views: 2302

Re: Check serial number caused an issue

In my student town, a few years ago it was common for some businesses to accept only checks numbered over 500. The logic was that they wanted people with roots in town rather than people who were moving on in a month never to return. Of course, once you became able to order checks starting at whatev...
by fposte
Mon Aug 28, 2017 8:28 am
Forum: Investing - Theory, News & General
Topic: What Happens when Public Sector Employees are allowed to choose between DB/DC or combination plans?
Replies: 8
Views: 873

Re: What Happens when Public Sector Employees are allowed to choose between DB/DC or combination plans?

Here is an interesting and detailed University of Illinois study of how people make the choice (UofI offers a choice between DB and DC).
by fposte
Thu Aug 24, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 4404

Re: Exhaust Fan for the bathroom

mrc wrote:
Thu Aug 24, 2017 12:08 pm
fposte wrote:
Thu Aug 24, 2017 12:07 pm
123 wrote:
Thu Aug 24, 2017 11:59 am
I think the phrase "occasional outburst" is an exceptionally intelligent and creative way to express the thought.
The official term of art for that coverage is "acoustical privacy."
It's not just the sound I'd like to remain private.
Ah, fair point. Olfactory privacy?
by fposte
Thu Aug 24, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 4404

Re: Exhaust Fan for the bathroom

123 wrote:
Thu Aug 24, 2017 11:59 am
I think the phrase "occasional outburst" is an exceptionally intelligent and creative way to express the thought.
The official term of art for that coverage is "acoustical privacy."
by fposte
Thu Aug 24, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31465

Re: What to do when a parent's money runs out?

All homes are temporary. She had ten years in the house of her dreams; moving on doesn't make that a failure for her or for you, it's just time. Your support has allowed her to live there; now it can allow her to live someplace else. My one concern: is she likely to play HVAC chicken with you and re...
by fposte
Wed Aug 23, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Draperies or Honey Comb Shades/Blinds?
Replies: 31
Views: 2522

Re: Draperies or Honey Comb Shades/Blinds?

It is is cold winds of winter that chill my bones. I'm not sure if it's been explicitly mentioned, but you can absolutely do a both/and rather than an either/or if you really want to minimize heat loss. The honeycomb shades can be installed either inside the frame or outside of it; mine are inside,...
by fposte
Wed Aug 23, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 2991

Re: Would you hire an obese nanny?

You should check to make sure you're not in a jurisdiction (Michigan, a few municipalities) where obesity is a protected category and hiring rejection based on it could be illegal discrimination.
by fposte
Tue Aug 22, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 4834

Re: Eclipse Traffic: predictions vs reality?

Friends who went to Carbondale said the trip home for them was 10 hours; should have been 3.
by fposte
Tue Aug 22, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Mistake in payroll deduction for tax-deferred
Replies: 7
Views: 702

Re: Mistake in payroll deduction for tax-deferred

Update: they don't know how it happened, and they're ostensibly fixing it in time for the next paycheck. They said I couldn't take any more out of my paychecks until December than I already am; I will therefore crunch the numbers in the mean time to see if I want to try to put in a change for Decemb...
by fposte
Tue Aug 22, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2276

Re: Can you recommend a good mouse trap?

Where are places they can get in the house? I'm not aware of any holes or openings or why this has happened. I'm not sure where to seal or how to go about finding all the possible entry points. I'll do a look around but are there places to look for or seal that are typical? Mice can squeeze through...
by fposte
Tue Aug 22, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2276

Re: Can you recommend a good mouse trap?

I tried live trapping, but around my area, the problem is that either you're either just temporarily banning the mouse by letting them out near enough the house for them to get back in, making the mouse somebody else's problem by releasing them near somebody else's house or crop fields, or chauffeur...
by fposte
Sat Aug 19, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mistake in payroll deduction for tax-deferred
Replies: 7
Views: 702

Re: Mistake in payroll deduction for tax-deferred

I see; the scheme was to contribute 24k pre-tax as 2k/month plus 12k Roth as 1200/month through October, presumably sending in a new Salary Deferral Election (SDE) document to stop the Roth contributions with effect 1Nov2017 while maintaining the pre-tax contributions at the prior level. Yes, that'...
by fposte
Sat Aug 19, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mistake in payroll deduction for tax-deferred
Replies: 7
Views: 702

Re: Mistake in payroll deduction for tax-deferred

Gee, ofckrupke, thanks :-). Your theory is a possibility; it would be weird for that to be an issue this year but not last year, but who knows how these mechanisms get changed internally? I'll raise that a possibility when I talk to them because that might affect what I need to do to repair this. Ha...
by fposte
Sat Aug 19, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Draperies or Honey Comb Shades/Blinds?
Replies: 31
Views: 2522

Re: Draperies or Honey Comb Shades/Blinds?

The triple honeycombs were a slightly random purchase in the days when HD still sold through discount vendors. I loved them so much that I went back for more. It looks like the Applause line is the closest to what I had there, though I don't think it's exactly the same. Since the big windows downsta...