Search found 132 matches

by SR II
Mon Oct 08, 2018 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling INTO TSP? [Thrift Savings Plan]
Replies: 12
Views: 1145

Re: Rolling INTO TSP? [Thrift Savings Plan]

I, too, am a separated Fed Employee. I rolled over all of my traditional IRA and 401k from a previous employer to the TSP. Just be aware of the limited withdrawal options of the TSP. I was not familiar with these options until after I transferred the money. Supposedly, there are changes coming. Hope...
by SR II
Thu Sep 27, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3728

Re: First-time victim of credit card fraud

Just dealt with two different cards being compromised a couple of weeks ago. First one, I noticed myself on the CC website as two pending charges. The next day, on the other card, the bank sent an email about the fraud. Cleared up both and got new account numbers. This is probably the fifth or sixth...
by SR II
Tue Sep 18, 2018 5:03 pm
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3508

Re: Equity in house / Do you use it?

We had a ton of equity in our HCOL area house. So, just before the Mister retired, we took out a HELOC. A few months later, we used it to update our LCOL area retirement place in preparation of moving in and also spruce up the house we were selling. Worked out great as we didn't have to liquidate an...
by SR II
Sat Sep 08, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5852

Re: Using your home as old age care self-insurance?

Will the house step up in value when the mother dies? Does the 'two out of the last five years' rule apply in the event of death? Don't know. And the "mom" doesn't need to worry about it after she is gone. I also don't know if it makes any difference that the house is in a family trust. Years ago, ...
by SR II
Fri Sep 07, 2018 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5852

Re: Using your home as old age care self-insurance?

My observation has been it's the rule rather than the exception for people to sell their primary residence when they make a move into a retirement community. This works if all members of the household are moving out at once (ie: couple moving into retirement community or single person). If there wa...
by SR II
Thu Sep 06, 2018 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5852

Re: Using your home as old age care self-insurance?

My observation has been it's the rule rather than the exception for people to sell their primary residence when they make a move into a retirement community. This works if all members of the household are moving out at once (ie: couple moving into retirement community or single person). If there wa...
by SR II
Mon Sep 03, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 4017

Re: Neighbor Fencing question

Speaking about the "pretty" side of a fence: Our post WWII house in Burbank had a concrete block wall at the rear of the yard that was left loose (like you could push a whole eight foot section between pillars back and forth) due to the 1994 Northridge earthquake. After inspection by FEMA and a coup...
by SR II
Sat Aug 18, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 49
Views: 37424

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

Get your prescription and pupilary distance and go to zenni or goggles4u or any online company and get your frame measurements and pay 1/10th the cost for glasses from now on My blind-as-a-bat husband did this. The lenses from Zenni were the thickest glasses either of us had ever seen. They looked ...
by SR II
Fri Jul 20, 2018 2:04 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Money and Closing Bank Account
Replies: 12
Views: 1138

Re: Transferring Money and Closing Bank Account

Just did this last week, due to an out of state move. Went in. Told them I wanted to close by account. They asked if I would like cash or a cashier's check. I said a cashier's check. They made out the cashier's check and gave me a printout that showed the account was closed. I left. When I got home,...
by SR II
Tue Jul 17, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Selling mom's house
Replies: 50
Views: 4244

Re: Selling mom's house

Consult an attorney.
by SR II
Sat Jul 14, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Pay to be in school district or move?
Replies: 20
Views: 1209

Re: Pay to be in school district or move?

We went through this same issue and first chose the out of district option. Schlepping kids around and trying to work all the scheduling out with two working parents was a hassle and we ended up moving after 2 years. Would have moved sooner if we could. Agreed. Raising kids and schooling has MORE t...
by SR II
Fri Jul 06, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5953

Re: How to tip

Lived in Los Angeles until just recently. Since the sales tax was nearly 10%, I got used to just doubling the tax and rounding up to give roughly a 20% pre-tax tip. Moved to Las Vegas a few months ago and for the first couple of weeks I did my usual doubling the tax method here. Then I realized the ...
by SR II
Sun Jun 03, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 3090

Re: Enterprise vs Avis

I rent a car numerous times a month, mostly once a week, but often twice a week at the same location; Burbank Airport. I check all the usual places (autoslash, Costco, USAA) for the lowest price and go with the cheapest compact or larger that is not prepaid (costs often go down and I cancel and rebo...
by SR II
Wed May 30, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3780

Re: Cruise ships for multi-generational family

Question: what are good cruise line options for people who don't like cruises? Much to my chagrin, my parents want to do a family trip on a cruise ship next year. Ages range from late 60's (parents) = 2, 6 of adult children (spouses included), and 4 kids (2-12yo). Total of 12. Half of the adult kid...
by SR II
Fri May 11, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: "Patient paid amount" for month of death in nursing home?
Replies: 33
Views: 4260

Re: "Patient paid amount" for month of death in nursing home?

Thank you for all the thoughtful replies. First, my grandmother did not have any assets. They were spent down to pay for the nursing home, after which time all nursing home expenses were paid by social security and Medicare . The only payments that came from me were for the private room. At the tim...
by SR II
Wed May 09, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Rental Cars:National, Budget, Alamo or Thrifty
Replies: 33
Views: 1913

Re: Rental Cars:National, Budget, Alamo or Thrifty

At many locations, Thrifty and Hertz share the same cars. Reserve the brand with the lower price. Same with Avis/Budget/Payless. I took a chance and rented a car at payless.com (and joined their Payless Perks club) because it was substantially cheaper than any others for a quick four/five hour rent...
by SR II
Wed May 09, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Rental Cars:National, Budget, Alamo or Thrifty
Replies: 33
Views: 1913

Re: Rental Cars:National, Budget, Alamo or Thrifty

And use autoslash.com to see how your rate compares to others. Thanks for that. You just saved me $30 on my Hertz rental at the end of the month. I thank you, too for the autoslash.com tip. Just re-booked a one-way rental I had already booked through Costco and saved a bit over $20! I usually book ...
by SR II
Mon May 07, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Las Vegas shows
Replies: 22
Views: 2371

Re: Las Vegas shows

Really depends on what you are in to. A great lounge singer with an enjoyable show is Matt Goss at the Mirage. https://www.mirage.com/en/entertainment/matt-goss.html
by SR II
Fri May 04, 2018 2:29 am
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 7089

Re: Pay $2500 in rent or continue living at home

or you could go with Option 3: Stay where you are but pay $1000 in rent to your parents (Plus your share of utilities if you aren't already paying utilities). You save $1500 monthly - they get $1000 monthly to offset your being there. Win-win. EXACTLY! <CLIP>Personally, I would feel weird collectin...
by SR II
Thu May 03, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 7089

Re: Pay $2500 in rent or continue living at home

That's not at all fair since the reason O.P. was living at home was to take care of the aunt. The family should be grateful for that. I didn't point out how respectable that is for a 35 year old to live at home to take care of a family member when living alone would be preferable, but it is worth n...
by SR II
Thu May 03, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 7089

Re: Pay $2500 in rent or continue living at home

or you could go with Option 3: Stay where you are but pay $1000 in rent to your parents (Plus your share of utilities if you aren't already paying utilities). You save $1500 monthly - they get $1000 monthly to offset your being there. Win-win. EXACTLY! <CLIP>Personally, I would feel weird collectin...
by SR II
Thu May 03, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 7089

Re: Pay $2500 in rent or continue living at home

DaftInvestor wrote:
Thu May 03, 2018 6:43 am
or you could go with Option 3: Stay where you are but pay $1000 in rent to your parents (Plus your share of utilities if you aren't already paying utilities). You save $1500 monthly - they get $1000 monthly to offset your being there. Win-win.
EXACTLY!
by SR II
Wed May 02, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 7089

Re: Pay $2500 in rent or continue living at home

golfCaddy wrote:
Wed May 02, 2018 10:31 pm
I can't imagine still living with the rents at 35. It's your aunt, but still ...
I can't imagine still living with the rents at 35 (with a good job) and not paying rent to the rents!
by SR II
Sat Apr 28, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I change careers?
Replies: 52
Views: 4345

Re: Should I change careers?

Do what you want, LovingLife.
by SR II
Fri Apr 06, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Starting a home search... Late 60s rancher?
Replies: 18
Views: 1746

Re: Starting a home search... Late 60s rancher?

After a quick scan of the above posts, I didn't see this mentioned: Many California towns have a moratorium on wood shake/shingle roofs (which many 60s ranch-style homes still have) and a drop dead date to completely remove and replace remaining roofs due to fire hazard. Double-check city ordinances...
by SR II
Fri Apr 06, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 6249

Re: [When is going out to a restaurant worth it to you?]

"When is going out to a restaurant worth it to you?"
A. When I don't feel like cooking.
B. When I don't have anything in the fridge to make a meal.
C. When I'm not at home to cook.
by SR II
Sun Apr 01, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 5331

Re: Tired of gas grills rusting out...

Just be aware that the "old" Weber grills were all made in the USA. But now, for what it is worth, both the Genesis II and the Spirit II model lines are made in China.
by SR II
Sat Mar 24, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 52
Views: 5446

Re: Your favorite Florida beach??

steve roy wrote:
Thu Mar 22, 2018 4:36 pm
Kitty Telltales wrote:
Thu Mar 22, 2018 6:55 am
moneywise3 wrote:
Thu Mar 22, 2018 1:09 am
Captiva and Sanibel islands hands down
+1
+2
+3 :D
by SR II
Sat Mar 17, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Spoke to a financial advisor yesterday - what do you think he's up to?
Replies: 81
Views: 9266

Re: Spoke to a financial advisor yesterday - what do you think he's up to?

What do I think he is up to? Taking money out of your wallet and putting it directly in his pocket!
by SR II
Wed Feb 28, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Any downside to WiFi calling?
Replies: 25
Views: 2716

Re: Any downside to WiFi calling?

Wi-Fi calling was a godsend when we lived in our previous house, up against a hill and had no cell service inside. We had to run outside and stand at the curb to take a call. And, the service was still lousy! After 10 years of that, we finally dropped Verizon (didn't have Wi-Fi calling at the time) ...
by SR II
Fri Feb 16, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 7568

Re: Live / work in California - Technology Career

...Thousand Oaks is part of the valley (San Fernando Valley) It's also a great place to live but commuting to LA would take at least an hour each way probably more. Thousand Oaks is actually in the Conejo Valley area of Ventura County, west of the San Fernando Valley and further away from Downtown ...
by SR II
Thu Feb 01, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Disney visit
Replies: 28
Views: 3970

Re: Disney visit

You may also try rentals from Disney Vacation club owners https://www.dvcrequest.com/. It may be somewhat cheaper than through Disney directly. I wholeheartedly agree with this suggestion. We've been to Walt Disney World over a dozen times in the part 30+ years as now retired California based Disne...
by SR II
Fri Dec 22, 2017 1:31 am
Forum: Personal Finance (Not Investing)
Topic: Christmas Bonus: Etiquette
Replies: 32
Views: 5153

Re: Christmas Bonus: Etiquette

My work doesnt even let us out early anymore for major holidays...they used to give an hour or two. Such a shame. Hey, the last place I worked before retiring last summer had my whole department working as "freelancers" so they wouldn't have to pay us extra for working on weekends and holidays. Thi...
by SR II
Fri Dec 15, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Is a Year on the JOb too Soon to Ask For a Promotion?
Replies: 24
Views: 2429

Re: Is a Year on the JOb too Soon to Ask For a Promotion?

Kuota Rider wrote:
Fri Dec 15, 2017 6:37 pm
Yes I would ask for a raise as well. Normally a promotion allows for a bigger raise - thus the promotion.
At the megacorp where I worked, they were happy to hand out "promotions" and "job titles" without actually handing out more money.
by SR II
Wed Dec 13, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 393
Views: 68613

Re: Retirement Account Stolen by Identity theft

So glad it worked out!
by SR II
Wed Dec 13, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Who is Right Me or Spouse
Replies: 51
Views: 3655

Re: WHO IS RIGHT ME or SPOUSE

RadAudit wrote:
Wed Dec 13, 2017 5:57 pm
gogleheads.orb wrote:
Wed Dec 13, 2017 5:39 pm
mak1277 wrote:
Wed Dec 13, 2017 4:37 pm
Same $100, just address the card to both of them.
correct!
+1

They keep score.

You are now splitting money among four sub-family groups. Three singles and one couple. Don't punish the three singles for their decision to remain single, so far.
+2
Besides, where does it stop?
by SR II
Tue Dec 12, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Parking Lot Dent: Pay myself or submit claim
Replies: 14
Views: 1980

Re: Parking Lot Dent: Pay myself or submit claim

I'd like to understand the reasoning here. If I were to pay for this through insurance, and then later had a major accident, what is the problem that would arise that wouldn't arise otherwise? I understand that I'd want to have the major accident paid for through insurance, and that after this hypo...
by SR II
Mon Dec 11, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Parking Lot Dent: Pay myself or submit claim
Replies: 14
Views: 1980

Re: Parking Lot Dent: Pay myself or submit claim

In your state, do you also have to pay to fix what you hit? What is that additional cost? My husband's parked car was hit last month by a driver backing out of a parking space. Damage was $1450+. The driver was not the owner, but the owner was the passenger. (Who's on first? LOL!) They decided to pa...
by SR II
Mon Dec 11, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Upside Down On Vehicle
Replies: 16
Views: 1447

Re: Upside Down On Vehicle

If you love the truck and have no intention of trading it in, who cares? Also, a vehicle of that sort will probably get you a lot more in a private sale, so your shortfall may be moot Agree. Dealer trade-in will absolutely give you the lowest value for a vehicle. Check out kbb.com or edmunds.com fo...
by SR II
Sun Dec 10, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Do girls wear Ninja Turtle character shoes
Replies: 54
Views: 3341

Re: Do girls wear Ninja Turtle character shoes

OK, they are marketed as "boys" on this website: http://www.shoecarnival.com/boys%20nickelodeon%20tmnt%20lighted%20ii%206-12%20light-up%20shoes/91955.html?gclid=EAIaIQobChMI9NuTg_iA2AIViksNCh1ZsQGUEAQYAyABEgJ2_vD_BwE&gdfms=57F4912407BB424A975B304425BA0263&gdffi=83f51485a28c493491461e42d7ac66f6&cvosr...
by SR II
Wed Dec 06, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 25530

Re: Do people still use AAA?

I've had AAA my entire driving life. Also have their insurance (happens to be least expensive in our family situation with a young male driver) and requires AAA membership to have their insurance anyway. We use it for DMV transactions (so much easier than local CA DMV office), hotel discounts (a lot...
by SR II
Sun Dec 03, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6212

Re: Southwest Companion Pass [California only]

Thanks for the clarification!
by SR II
Sun Dec 03, 2017 3:12 am
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6212

Re: Southwest Companion Pass [California only]

Too bad. I have companion pass until Dec 2018. Hope another deal comes out next year. TravelforFun No bait and switch. I got my companion pass in February by applying for two Southwest Visa cards, a personal one and a business one, and spending the required amounts. I’ve used my companion pass four...
by SR II
Sun Dec 03, 2017 3:01 am
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 6212

Re: Southwest Companion Pass [California only]

Please update if this works out. I think I got bait and switch. Got approved but card that was mailed home was NOT VISA signature but instead VISA Plus. Now I have to call and make sure is the same deal before activating. This happen to any one else? Credit limit was $20k so easily qualified but pr...
by SR II
Sat Dec 02, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: TSP I Fund - Director asks board to add emerging markets and small cap int.
Replies: 7
Views: 1675

Re: TSP I Fund - Director asks board to add emerging markets and small cap int.

It's a good change. Too late for me though. After 11 years of investing in the TSP, it has finally been filled with the G fund for me as I haven't made a contribution to it in 7 years and it has gradually become a smaller and smaller part of my portfolio. Maybe if I do some huge rollover into it at...
by SR II
Thu Nov 23, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 5335

Re: Public or Montessori Private School

jerkstore wrote:
Thu Nov 23, 2017 1:05 pm
...I really do think the issue of public vs. private vs. home school is best addressed on a case by case basis...
Best advice I've read in this entire thread!
by SR II
Mon Nov 20, 2017 6:36 pm
Forum: Investing - Theory, News & General
Topic: TSP Modernization Act Signed Into Law
Replies: 22
Views: 4804

Re: TSP Update

A few steps in the right direction!
by SR II
Sun Nov 12, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me I'm not a total fool about my choice of a Medigap policy
Replies: 26
Views: 3119

Re: Tell me I'm not a total fool about my choice of a Medigap policy

Check with your local HICAP. This link is for the one in San Francisco, but I believe they are nationwide: http://www.hicap.org/hicap-services/medicare-counseling
by SR II
Sun Nov 12, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 11798

Re: Thouhgts about wearing a "uniform"/same thing everyday?

I just don't see how it is complicated to have a few pair of jeans and different colored polos. I mean, pretty much any polo would match jeans. I think if you are a genius/billionaire people will let it slide (or even envy it), but otherwise it looks lazy and/or like you have no imagination and/or ...
by SR II
Sat Oct 28, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 5006

Re: European Tours

In August, my husband and I took an Insight Vacations tour of Switzerland ( https://www.insightvacations.com/us/trips/glorious-switzerland-summer-2017 ). After the tour was over, we rented a car and drove about an hour and a half to a ski village where my husband was in boarding school as a second g...