Search found 1598 matches

by fposte
Tue Aug 20, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Defined benefit pension Section 415 limits
Replies: 2
Views: 239

Re: Defined benefit pension Section 415 limits

Section 415 can be read here. However, I think the exact wording of the document you received is very important here, and I suspect that merely reading section 415 won't be enough to answer your question.
by fposte
Mon Aug 19, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Discover cash back Credit Card - Interest charges
Replies: 36
Views: 1696

Re: Discover cash back Credit Card - Interest charges

We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1-800-347-3085. Sorry, this is not true. Discover's own website explains how interest only comes if you don't pay the statement balance by the ...
by fposte
Mon Aug 19, 2019 4:52 pm
Forum: Personal Investments
Topic: When Did You Ease Up On Saving Aggressively?
Replies: 166
Views: 11568

Re: When Did You Ease Up On Saving Aggressively?

Even for here these answers seem pretty drastic. "Ease up on saving aggressively" doesn't mean "Stop saving at all and buy a solid gold Lamborghini"; it can mean "opted to take a vacation after several years without," or "got a cat," or "upgraded the winter coat" or even "started buying Ben and Jerr...
by fposte
Thu Aug 15, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 114
Views: 7279

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Sure, but that’s true of every expenditure that gets discussed here, from houses to cars to vacations, from coffee to watches to TP. There’s nothing special about ice cream; some of us budget for the kind we like in one category, some in others. which is why the whole discussion is useless. Nobody ...
by fposte
Thu Aug 15, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 114
Views: 7279

Re: Ponder this, BH's... is Ben & Jerry's worth it?

it's outrageously expensive. Is it, though? If you bought a Ben and Jerry's ice cream quart every other week, it would amount to $143 per year. Maybe that amounts to a difference of ~$70 compared to alternatives. I bet that won't make a dent in your financial situation in the slightest. People make...
by fposte
Thu Aug 15, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 114
Views: 7279

Re: Ponder this, BH's... is Ben & Jerry's worth it?

it's outrageously expensive. Is it, though? If you bought a Ben and Jerry's ice cream quart every other week, it would amount to $143 per year. Maybe that amounts to a difference of ~$70 compared to alternatives. I bet that won't make a dent in your financial situation in the slightest. People make...
by fposte
Thu Aug 15, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 131
Views: 16576

Re: Are you a "solo ager?"

I am likely in this boat and have been planning accordingly. Once the financial plan was in place and funded my thoughts turned increasingly to the social side. I have a small circle of cronies in the community where I plan to retire, but they are not getting any younger either. So the "build a com...
by fposte
Thu Aug 15, 2019 2:07 pm
Forum: Personal Investments
Topic: Morningstar Tracking: TIAA Traditional
Replies: 4
Views: 193

Re: Morningstar Tracking: TIAA Traditional

TIAA Trad has fixed rates. What do you mean by "tracking"? In the Morningstar portfolio tracking tool, TIAA Traditional can’t be tracked. I’m wondering what others might use instead as a similar proxy? I don't think there is anything, because TIAA Trad is an annuity product, and its return varies d...
by fposte
Thu Aug 15, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care Decision
Replies: 327
Views: 14502

Re: Long-Term Care Decision

Take a single person with no essential requirement (like a disabled dependent) to leave a legacy. Why NOT use your assets for your care? You can't take them with you. The person without a bequest motive will have to save extra in order to cover potential LTC costs. Unless they plan to use Medicaid,...
by fposte
Thu Aug 15, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 108
Views: 11046

Re: Do Bogleheads plan to utilize Independent Living facilities?

Always a balancing act. Friend in her 70s recently surveyed a couple of the nice independent-living places, which also have affiliated assisted-living that you can move to. Not CCRCs. Her impression was that the people in the independent living place were sold, well, old. She's not ready for that q...
by fposte
Thu Aug 15, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care Decision
Replies: 327
Views: 14502

Re: Long-Term Care Decision

Take a single person with no essential requirement (like a disabled dependent) to leave a legacy. Why NOT use your assets for your care? You can't take them with you. The person without a bequest motive will have to save extra in order to cover potential LTC costs. Unless they plan to use Medicaid,...
by fposte
Wed Aug 14, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3251

Re: Family Practice going member only Pros & Cons?

The doctor was, I think, concerned about invalidating the model by directing a patient to a specialist, and as I said my friend was invested in not going elsewhere after having paid the concierge fees. I am very sorry for your friend. Not knowing the details, but based on what you said, the doctor ...
by fposte
Wed Aug 14, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Vehicle Air horn
Replies: 29
Views: 2353

Re: Vehicle Air horn

For the people that rarely use their vehicle horn, what do you do when the light turns green and the person in front of you is continuing to read their facebook, compose a 3 page email or is in the middle of "tinder swipe right" episode? My eternal optimism makes me like to think these people are d...
by fposte
Wed Aug 14, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3251

Re: Family Practice going member only Pros & Cons?

For a differing data point--a couple I'm friends with signed up for one such service. The doctor was overstretched and out of her depth, and should have sent the husband to a specialist rather than attempting to manage his condition on her own. (My friends also fell prey to the sunk cost fallacy an...
by fposte
Wed Aug 14, 2019 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Mom inheriting variable annuity within IRA from Dad
Replies: 15
Views: 1212

Re: Mom inheriting variable annuity within IRA from Dad

For a data point, I inherited a similar product from my father, and it had a significant surrender fee. Nonetheless, when I ran the numbers, 5-6 years, which was much earlier than the expiry of the contract, would be enough for the lower costs of a diversified portfolio at Vanguard to recoup the su...
by fposte
Wed Aug 14, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3251

Re: Family Practice going member only Pros & Cons?

For a differing data point--a couple I'm friends with signed up for one such service. The doctor was overstretched and out of her depth, and should have sent the husband to a specialist rather than attempting to manage his condition on her own. (My friends also fell prey to the sunk cost fallacy and...
by fposte
Wed Aug 14, 2019 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Mom inheriting variable annuity within IRA from Dad
Replies: 15
Views: 1212

Re: Mom inheriting variable annuity within IRA from Dad

For a data point, I inherited a similar product from my father, and it had a significant surrender fee. Nonetheless, when I ran the numbers, 5-6 years, which was much earlier than the expiry of the contract, would be enough for the lower costs of a diversified portfolio at Vanguard to recoup the sur...
by fposte
Mon Aug 12, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Why household batteries have picture of no trash disposal on them?
Replies: 27
Views: 2755

Re: Why household batteries have picture of no trash disposal on them?

There are drop off boxes for alkaline battery recycling in my town, so they do exist.
by fposte
Mon Aug 12, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 108
Views: 11046

Re: Do Bogleheads plan to utilize Independent Living facilities?

The CCRC that I'm most interested in does not (currently, anyway) provide AL--those services are contracted externally. I wish it did, but the SNF is the best around, and people seem okay with the AL arrangement in exchange for the other benefits.
by fposte
Sun Aug 11, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: How should my Spouse and I handle a $300,000 Settlement?
Replies: 119
Views: 6876

Re: How should my Spouse and I handle a $300,000 Settlement?

OP, you've paid off your credit card debt, which is great. And your wife has likely been through a lot in the last few years and doubtless appreciates you standing behind her. But here are things that worry me: you and your wife are very much not on the same page financially you are riskily supersti...
by fposte
Sat Aug 10, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Overflowing/leaking gutters
Replies: 18
Views: 1163

Re: Overflowing/leaking gutters

FWIW, I had wider guttering put on in a similar situation, and around where I live it was pretty affordable--can't remember exactly but sub-$500. I'd call in a guttering specialist and get an assessment and some quotes.
by fposte
Fri Aug 09, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 131
Views: 16576

Re: Are you a "solo ager?"

I am, but this seems like standard Marketwatch content farming, where basically they put up a PR release as an article.
by fposte
Thu Aug 08, 2019 1:04 pm
Forum: Personal Investments
Topic: [ETF vs. Mutual Fund and additional questions]
Replies: 65
Views: 2115

Re: need to sell roth IRA

OP, you mention elsewhere being on Medicare--are you on SSDI? Would your withdrawal meet any of the hardship exceptions noted here, like the disability withdrawal?
by fposte
Wed Aug 07, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 396
Views: 34096

Re: Selling home- Demanding Buyer (Repairs)

What do you mean they about them "handing over the earnest money"? That was already in escrow, right? If the contract terms were clear, the escrow company should just have released that money to you. Our realtor told us that we didn't get the earnest money from escrow unless the buyer agreed to rel...
by fposte
Wed Aug 07, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: which stud finder?
Replies: 52
Views: 2745

Re: which stud finder?

How old is your house, and do you know what the walls are made of? Most stud finders fail dismally on my plaster walls.
by fposte
Tue Aug 06, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: How to help parent through health/financial crisis
Replies: 25
Views: 2304

Re: How to help parent through health/financial crisis

Also review your mother's possible claim on her husband's SS. There are a couple of possibilities that might work in her favor. Is her husband (your father?) alive? I believe SS has special rules for widows/widowers. Not her husband, her ex-husband. My father is an alcoholic. I haven't seen him sin...
by fposte
Tue Aug 06, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Son got diagnosed with Dyslexia/Needs special Tutor. Can I use 529 funds?
Replies: 10
Views: 1159

Re: Son got diagnosed with Dyslexia/Needs special Tutor. Can I use 529 funds?

My little girl was diagnosed with dyslexia a few years ago. We found a "Susan Barton" tutor and having been paying out of pocket.(and it's made a huge difference!) She's been telling me she needs glasses since first grade but the regular eye doctor I took her to every year says she has perfect visi...
by fposte
Mon Aug 05, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: How many Years of Medical History/Records should a Patient Save?
Replies: 60
Views: 2797

Re: How many Years of Medical History/Records should a Patient Save?

I've been going to the same health clinic for over 20 years. Records more than 10 years old, when they digitized, aren't accessible without special request and may not exist anymore at all. There's a reason for that. They're not very helpful. I mean, who needs the op note from a routine appendectom...
by fposte
Mon Aug 05, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7277

Re: Financial anxiety and next steps in relationship

Geez If you feel like this is the person you want to spend your life with, do it. If she (and you!) want kids, that should happen sooner than later. Finances will be fine. Would you be happier with more money and without her? Or would you be happier with less money, but with her and a family. That'...
by fposte
Mon Aug 05, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: How many Years of Medical History/Records should a Patient Save?
Replies: 60
Views: 2797

Re: How many Years of Medical History/Records should a Patient Save?

I've been going to the same health clinic for over 20 years. Records more than 10 years old, when they digitized, aren't accessible without special request and may not exist anymore at all. I've therefore kept some prior records with diagnoses or useful benchmarks, but if things were okay I don't fe...
by fposte
Sat Aug 03, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: How can I get a good room when I check into a hotel I booked online?
Replies: 30
Views: 2986

Re: How can I get a good room when I check into a hotel I booked online?

I have heard from people that work at hotels that the chains hate the on-line sites but have to use them so they give out the rooms by the elevator and ice machine to the on-line booking customers. Hard to imagine this scenario being widespread. We're just names on credit cards. Does the front desk...
by fposte
Fri Aug 02, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8056

Re: Extreme Anxiety with Time/Money

In addition to what other people have said, it sounds like you're positing some untroubled, repair-free state as a norm that you have to reach for enjoyment. And there is no such state. Repairs are not signs of the apocalypse; they're more like filling your gas tank or taking out the trash, just reg...
by fposte
Fri Aug 02, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8056

Re: Extreme Anxiety with Time/Money

I think if you're an anxious type of person, outsourcing can mean that you just worry about another layer of things. It's possible you're talking about a kind of anxiety you'd benefit from talking to a doctor about, but maybe we can get at it from the money side here. What do your annual expenses an...
by fposte
Thu Aug 01, 2019 12:53 pm
Forum: Investing - Theory, News & General
Topic: Are You Rich?
Replies: 31
Views: 3265

Re: Are You Rich?

Absolutely - incredibly rich - I've never had to worry about having a roof over my head or when my next meal will be. I've never had to worry about keeping warm. I own a car outright! I'm living better than 99% of people in history. If that's not rich, what is? Yup. We do a lot of comparing up arou...
by fposte
Thu Aug 01, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 14929

Re: Why won’t anyone hire me?

c) if 0/20 is the result of the interviews, then I would suspect there is an issue in presentation during said interviews. There is nothing wrong with calling the hiring manager up after the process is over and ask what the impression was - honestly state that you would like to improve you intervie...
by fposte
Thu Aug 01, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 14929

Re: Why won’t anyone hire me?

c) if 0/20 is the result of the interviews, then I would suspect there is an issue in presentation during said interviews. There is nothing wrong with calling the hiring manager up after the process is over and ask what the impression was - honestly state that you would like to improve you intervie...
by fposte
Thu Aug 01, 2019 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 14929

Re: Why won’t anyone hire me?

Another problem you may be having is your resume, how have you represented your past 7 years? ( https://www.jobscan.co/blog/how-to-write-a-stay-at-home-mom-resume/ )If you have been juggling raising kids and household responsibilities you can write to that. Emphasize relevant things like scheduling...
by fposte
Wed Jul 31, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3044

Re: Gifts to Bring when Traveling Overseas

Are there youngsters in the household? US university college gear tends to be well received with the 25 and under crowd, and it packs pretty well. I had a big hit with a university onesie for a newborn Russian baby.
by fposte
Wed Jul 31, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6033

Re: What's your Uber passenger rating?

FWIW, the uberdrivers and uber subreddits are really interesting, if likely skewed to the most vocal; one thing that's immensely clear is that the Uber experience is hugely variable by region for the drivers as well as for the passengers, with profitability literally all over the map.
by fposte
Wed Jul 31, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Gas oven and the smell of gas each time first turned on
Replies: 19
Views: 917

Re: Gas oven and the smell of gas each time first turned on

I've used many gas stoves over the years. It's fairly common to smell a little gas from the cooktop burners but much less common, IME, to smell it from the oven; I've only smelled it with very old ovens that need the pilot to be manually lit. If the smell goes away quickly it's not likely to be a da...
by fposte
Wed Jul 31, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Personal Trainer for Physical Balance
Replies: 52
Views: 3205

Re: Personal Trainer for Physical Balance

Probably, if you get the right one; I might see about gyms connected with CCRCs either organizationally or just by customer base to maximize the chance of somebody with relevant experience. But are you thinking "personal trainer" because you like the model or because other options hadn't occurred to...
by fposte
Tue Jul 30, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Money TO Grandparents for Roth IRA
Replies: 26
Views: 1222

Re: Gifting Money TO Grandparents for Roth IRA

bloodsangre7 wrote:
Tue Jul 30, 2019 1:37 pm

My grandparents don't find this "tacky" or "imposing," if they were at all uncomfortable with the idea I would not be asking about the potential issues with it
Are your parents comfortable with it? They may know things about your grandparents that you don't.
by fposte
Tue Jul 30, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Money TO Grandparents for Roth IRA
Replies: 26
Views: 1222

Re: Gifting Money TO Grandparents for Roth IRA

Why wouldn't your grandparents be contributing to their own IRAs?
by fposte
Tue Jul 30, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6033

Re: What's your Uber passenger rating?

I had my rating tanked by a driver who was mad that I wouldn’t walk my luggage down to the street and expected him to pull into my driveway. I take Uber only a couple of times a year so the massive drop was immediately noticeable. It’s not as simple as “don’t be a jerk.” Edit: it dropped from 4.9+ ...
by fposte
Tue Jul 30, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: The Quality of a Retirement with no Retirement Savings
Replies: 30
Views: 2964

Re: The Quality of a Retirement with no Retirement Savings

Depends where in the country we're talking about, but there are plenty of people in my region who'd fit that picture. They don't spend much, they share accommodation if they have to, they work rather than completely retiring if they need to (sometimes under the table), and Medicare and, if necessary...
by fposte
Tue Jul 30, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6033

Re: What's your Uber passenger rating?

After reading this, I'll stick to cabs. I never liked Uber's silly theory that it's not a cab company anyway. And I've no desire to have to worry about the driver's apparently delicate sensibilities. " Oh, no, did I close the door a little too hard ?" " Did I make the right amount of conversation ?...
by fposte
Mon Jul 29, 2019 12:37 pm
Forum: Personal Investments
Topic: Issue of unrealised gains when transferring to passive
Replies: 31
Views: 1438

Re: Issue of unrealised gains when transferring to passive

Don't forget the option of donating appreciated shares to a Donor Advised Fund if you want to fund charitable giving. I had a similar problem, though not as large, and I sold a bunch the first few years and used that income to cover my costs while maxing out my retirement contributions, which took m...
by fposte
Sun Jul 28, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Question of integrity
Replies: 40
Views: 3917

Re: Question of integrity

That particular opportunity may have been one time only, but it's unlikely that it will be your only opportunity.
by fposte
Fri Jul 26, 2019 4:23 pm
Forum: Personal Investments
Topic: Download Vanguard Transaction History
Replies: 7
Views: 677

Re: Download Vanguard Transaction History

I'm not sure what page you're on, but when I go to the Transaction History tab I get options up to 10 years. (There's also a Custom setting, but I don't know if that'll take you past 10 years.) BTW, this is going to "Transaction History" from the pulldown menu under "My Accounts"--it looks like the ...
by fposte
Fri Jul 26, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 65
Views: 5180

Re: USPS - Informed delivery - complain on missing items?

I find Informed Delivery pretty accurate, but I also have found missing item reports to be head-scratchers. I've made reports on missing packages twice in the last year; both times the item eventually showed up, to be followed by a sad message from the post office saying they were sorry but they cou...