Search found 143 matches

by ww340
Tue Oct 16, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Bond Funds - Intermediate, Long Term, High Yield
Replies: 14
Views: 1504

Re: Tax Exempt Bond Funds - Intermediate, Long Term, High Yield

I recently sold all my high-yield muni fund, but I am keeping the intermediate fund. I was 50/50 between the two. I decided to pay off our low interest rate car loans and keep the balance in intermediate term muni fund. I was watching my balance deteriorate in the muni funds, so it no longer made se...
by ww340
Fri Sep 14, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Selling Internet domain name based on family last name.
Replies: 31
Views: 3065

Re: Selling Internet domain name based on family last name.

I tried to buy a .com site this year that matched my business. I went through GoDaddy and they sent me an email that said "In order to get the negotiations started with the current owner you will need to provide an offer range. The majority of successful deals for domains fall between $250.00-$2,500...
by ww340
Sat Sep 01, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy into this medical practice?
Replies: 26
Views: 3259

Re: Should I buy into this medical practice?

You might ask this question on Sermo.

I don't really understand what you are buying. If they don't own the equipment, and they don't own the real estate, I would not be interested myself.
by ww340
Mon Aug 27, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Real Estate sale question. Reasonable offer expiration time period?
Replies: 15
Views: 667

Re: Real Estate sale question. Reasonable offer expiration time period?

If you are truly in a hot area, your buyers cannot afford to give you a week or two to decide if you want to take their offer or continue to wait for a better one. You might find a buyer that is not in any hurry, but most need to buy and get themselves settled. I would never agree to a longer period...
by ww340
Sat Aug 18, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7755

Re: Reckless driving ticket in VA-Help!

I got a really bad ticket in an area far from home. I was doing 21 over the speed limit. I was pretty much in a panic, as I knew it was going to be bad, expensive, and a court nowhere close to home. All my friends suggested a lawyer, but warned me that would be expensive. I called the court clerk an...
by ww340
Sun Jul 02, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Parents Social Security payments, deceased Father.
Replies: 8
Views: 1180

Re: Parents Social Security payments, deceased Father.

Help her create an online SSA account and she can see what benefits she is receiving.

Here is the link.
https://www.ssa.gov/myaccount/
by ww340
Sun Jun 04, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Hire a lawyer to file for SSD?
Replies: 13
Views: 1674

Re: Hire a lawyer to file for SSD?

As jfn111 said, you do not need an attorney until you have been denied benefits, and in most states, denied again on reconsideration. Most lawyers won't even take you until that point. You cannot get benefits if you are making over SGA which is currently $1170.00 before taxes per month. You will hav...
by ww340
Sun May 21, 2017 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 82
Views: 13692

Re: Question for you high net worth individuals...

We have 2/3 of our net worth in real estate not counting personal real estate. Likewise, 2/3 of our retirement income is from real estate. We have management companies for the residential properties, and the commercial properties are all triple net leases to long term tenets. The hassle factor is ve...
by ww340
Sun May 07, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 36272

Re: Where to Live on $60K or Less a Year?

I have a friend that just moved from San Diego, CA to Bella Vista, Arkansas. She is not yet retirement age, but wanted to get settled in a retirement friendly part of the country. She had a list very similar to yours. She is an avid cyclist and loves out door activities. She threw her dart into Bell...
by ww340
Thu Jan 05, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 36248

Re: Chase Sapphire Reserve: Too good to be (completely) true

Would note that the signup bonus is expected to be reduced on January 12. http://twocents.lifehacker.com/chase-is-about-to-slash-the-sign-up-bonus-on-its-sapphi-1790776137 Thank you so much for posting this. I was waiting to apply because I was afraid I would be over the 5/24 rule. Your post sent m...
by ww340
Wed Nov 02, 2016 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Car Registration in 2 states? - VA & DE
Replies: 29
Views: 6085

Re: Car Registration in 2 states? - VA & DE

We have two homes and register and insure the car in the state the car is kept. Insurance can be important, as each state has differing requirements.
by ww340
Thu Oct 27, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Setting up a Credit Card for a Fiscally Irresponsible Dependent: Managed Limited Card
Replies: 12
Views: 1762

Re: Setting up a Credit Card for a Fiscally Irresponsible Dependent: Managed Limited Card

I use the Chase Liquid card for my son. I control how much money is put on the card, and I can instantly transfer money when needed. My son has been literally standing in a checkout line and I can transfer instant credit money to him via my phone, computer or iPad. It is the only card I know of that...
by ww340
Mon Oct 03, 2016 5:28 pm
Forum: Personal Consumer Issues
Topic: Medicare Starting a month too early - vs in force coverage and deductible
Replies: 8
Views: 1106

Re: Medicare Starting a month too early - vs in force coverage and deductible

If I am understanding your situation correctly, if your wife is over 65 and recently applied for social security benefits to start on her 66th birthday. I believe that social security considers people born on the first of the month to actually be born the month before, so her benefits would be start...
by ww340
Mon Sep 26, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: I might have made a mistake on ebay?
Replies: 26
Views: 4461

Re: I might have made a mistake on ebay?

It probably was not a scam. You should have searched eBay for the answer.

Here is their answer and explanation.
http://pages.ebay.com/help/pay/claimpayment.html

I would contact eBay and find out what you should do now.
by ww340
Wed Sep 07, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Funding Special Needs Trust?
Replies: 23
Views: 2269

Re: Funding Special Needs Trust?

Thank you for the links Miriam2, they are helpful.
by ww340
Tue Sep 06, 2016 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Funding Special Needs Trust?
Replies: 23
Views: 2269

Re: Funding Special Needs Trust?

We plan to fund the trust out of our retirement funds. I wish I had a good idea of how much we need to plan to leave for our special needs adult child. I also wonder if there is a point where we are leaving enough that it does not need to be in a special needs trust, but would be in a regular trust....
by ww340
Thu Aug 04, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank denied my account application
Replies: 15
Views: 9980

Re: Ally Bank denied my account application

I was initially denied by Ally. I called them and had to fax them a copy of my drivers license and answer some questions about previous residences. I was approved right away. I did not have a credit freeze or anything like that, but I had changed residences about 9 months before, so that seemed have...
by ww340
Sun May 29, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability???
Replies: 27
Views: 2607

Re: Social Security Disability???

My son is a disabled adult child receiving social security on his father's record. He does get medicare as an adult that became disabled before the age of 22.

Medicare benefits begin 24 months after the onset date of the disability as determined by social security.
by ww340
Sun Mar 27, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Auto Insurance-Notice of Non Renewal
Replies: 37
Views: 4621

Re: Auto Insurance-Notice of Non Renewal

Our insurance company dropped our teenage son many years ago. We were able to insure him with Progressive who stuck with him through thick and thin, 2 - 3 wrecks and a DUI, and they never dropped him nor raised his rates! It turned out to be cheaper to have him with Progressive after all the wrecks,...
by ww340
Mon Mar 14, 2016 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Throw away turbo tax disk?
Replies: 17
Views: 3583

Re: Throw away turbo tax disk?

Ok thanks for the help. We could fill a land fill with all the backup drives disks and floppy disks. It is overwhelming at the moment

Thanks chk - we are planning a bashing party later. Hammers and protective eye ware.
by ww340
Mon Mar 14, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Throw away turbo tax disk?
Replies: 17
Views: 3583

Throw away turbo tax disk?

I am helping to go through a recently deceased family members financial information. We have found many years of turbotax disks. We are wondering if we can just toss these or if they would possibly contain any personal information. None of us use turbo tax, so we have no clue.
Thanks for any help.
by ww340
Fri Mar 11, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on claiming SSDI + spousal benefits
Replies: 9
Views: 953

Re: Need advice on claiming SSDI + spousal benefits

Just to complete this discussion. I went to social security to withdraw the retirement portion + spousal benefits applications. It appears that cannot be done without withdrawing the disability application as well. Somehow, they are tide together since I applied for both at the same time. I called t...
by ww340
Mon Feb 29, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on claiming SSDI + spousal benefits
Replies: 9
Views: 953

Re: Need advice on claiming SSDI + spousal benefits

OK, thank you so much. It is great to have all you smart people on this board! I appreciate your time!
by ww340
Mon Feb 29, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on claiming SSDI + spousal benefits
Replies: 9
Views: 953

Re: Need advice on claiming SSDI + spousal benefits

Yes, my original question was regarding the spousal benefits.

The suspending at FRA was a second question I did not pose in my first post.

Will the ability to suspend at FRA go away if I continue my spousal benefits right now? Would they still deem I had filed for both?
by ww340
Mon Feb 29, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on claiming SSDI + spousal benefits
Replies: 9
Views: 953

Re: Need advice on claiming SSDI + spousal benefits

Thank you, I will have to call social security and see what I need to do. It doesn't look like it will make much difference. Although I was hoping to be able to suspend at FRA and take only spousal benefits. Thank you for the help. I still have time to change things, if that is what I decide to do.
by ww340
Mon Feb 29, 2016 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on claiming SSDI + spousal benefits
Replies: 9
Views: 953

Re: Need advice on claiming SSDI + spousal benefits

1. Yes, disability causing accident at 61 in March of 2014 It became apparent that I was not going to recover enough to work again by March of the following year. 2 Yes, I applied for both disability and early retirement benefits in May 2015 after turning 62 in Feb. 3. Retirement benefits started in...
by ww340
Sun Feb 28, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on claiming SSDI + spousal benefits
Replies: 9
Views: 953

Need advice on claiming SSDI + spousal benefits

I was approved for SSDI in September, but they are just now processing the payments. I filed for both SSDI and retirement benefits at the same time after I turned 62. My husband is 70 and already drawing his benefits, so they deemed me to be filing for spousal at the same time of my application. My ...
by ww340
Sat Feb 06, 2016 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Yikes! FA is killing me...desperate to know how to fire FA and DIY?
Replies: 38
Views: 6515

Re: Yikes! FA is killing me...desperate to know how to fire FA and DIY?

I suggest you transfer everything to Vanguard "in-kind" if you can. I was able to transfer my American funds and stocks in kind and then sold what I wanted to after I got to Vanguard for minimal costs. I avoided giving my ex-broker even more money for selling everything.
by ww340
Mon Feb 01, 2016 9:56 am
Forum: Investing - Help with Personal Investments
Topic: How to invest for disabled relative?
Replies: 9
Views: 910

Re: How to invest for disabled relative?

If he is getting SSI that will stop once he inherits the trust. So would his medicaid. SSI is an income and resource based program. Once he has other income or resources, he will no longer qualify for SSI. If he is receiving SSDI, there would be no conflict and the income would continue. There is a ...
by ww340
Tue Jan 19, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 7296

Re: What online Email do you use

AOL - Good God, I'm old!!
by ww340
Tue Jan 19, 2016 7:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Overwhelmed!
Replies: 24
Views: 6682

Re: Vanguard Overwhelmed!

Yes, I think it is the 1009's. I know mine is wrong, so I am guessing other's are too. The first problem is that you received a 1009. :wink: True, that would be my first problem! :oops: We did "upgrade" our accounts so I assumed that was the reason the 1099's were wrong. I wish I had not done that ...
by ww340
Tue Jan 19, 2016 2:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Overwhelmed!
Replies: 24
Views: 6682

Re: Vanguard Overwhelmed!

Yes, I think it is the 1009's. I know mine is wrong, so I am guessing other's are too.
by ww340
Thu Jan 07, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 9881

Re: Jackpot Now Estimated $700 Million, who's in?

I am buying tickets this afternoon.

We enjoy the daydreaming. We only buy on the really big jackpots. I know that the odds are even worse on the big ones, but they are the most fun to dream about! And nisiprius is right, I don't normally think about it, but publicity brings it to my attention.
by ww340
Thu Jan 07, 2016 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Help! I may have gone overboard with Roth conversion
Replies: 3
Views: 534

Re: Help! I may have gone overboard with Roth conversion

Yes, it is 170,000 for married filing jointly. It is less for single or filing separately. That is for Medicare Part B if you are on medicare and have part B Here is the link to the info from medicare. 2016 premium is based on 2014 taxes. https://www.medicare.gov/your-medicare-costs/part-b-costs/par...
by ww340
Tue Dec 29, 2015 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for rental destroyed in flood?
Replies: 4
Views: 633

Re: Tax deduction for rental destroyed in flood?

Ok, so it doesn't appear to be much different from claiming the loss when it was not a rental. Thank you for the links. We did look into raising the house after the last flood, but the house is in a rather remote area, and the folks that do that type of work said it would be very difficult and expen...
by ww340
Tue Dec 29, 2015 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for rental destroyed in flood?
Replies: 4
Views: 633

Tax deduction for rental destroyed in flood?

Our river house is currently submerged in 8 - 10 feet of water. It has been a rental for the last 3 years. It has flooded in the past and we have repaired or totally gutted and redone the house 3 times. This is the 4th flood and we are throwing in the towel. We have $325,000 in the house, not counti...
by ww340
Tue Dec 08, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 5986

Re: Are you able to login to Vanguard this morning?

I have the same problem this morning. I came here to check and see if others did too, so I am glad to see these other posts.
by ww340
Tue Oct 27, 2015 6:52 pm
Forum: Personal Consumer Issues
Topic: science fair project ideas requested
Replies: 36
Views: 3348

Re: science fair project ideas requested

My son did great with a toothpick bridge one year. There are lots of examples if you google it.
by ww340
Sat Aug 08, 2015 2:22 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 11686

Re: Allan Roth Says Not to Load Up on Muni Bonds

I appreciate all this discussion on muni bonds. I learn more all the time. Ogd - I am not offended that with your earlier remark. This stuff is definitely not second nature to me. I still look at my muni bonds as a better investment for me rather than a 2 % CD, because I receive enough interest that...
by ww340
Tue Aug 04, 2015 9:59 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 11686

Re: Allan Roth Says Not to Load Up on Muni Bonds

Thank you Artsdoctor and LadyGeek.

I have read the wiki on the subject before, and I will read it again. I am afraid I am really thick on this particular subject. But I truly do want to understand it.
by ww340
Tue Aug 04, 2015 5:48 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 11686

Re: Allan Roth Says Not to Load Up on Muni Bonds

Artsdoctor and neurosphere, thank you both for trying to educate me. I have gained some insight from both of your posts. As well as the rest of the discussion on municipal bonds. My question when looking at the yield I might be losing by not selling today, while it is worth more, is that there does ...
by ww340
Tue Aug 04, 2015 11:17 am
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 11686

Re: Allan Roth Says Not to Load Up on Muni Bonds

I have a lot of muni bonds that we bought in 2009. Most of those have been called and cashed out. I still have a few left, and I would like to post an example here and ask you to explain what you are saying, because I am not getting it. I fully believe I am getting 5% or even more on most of my bond...
by ww340
Sat Jul 25, 2015 8:18 am
Forum: Personal Consumer Issues
Topic: Home Window Replacement - Recommendations (Southwest)?
Replies: 13
Views: 2151

Re: Home Window Replacement - Recommendations (Southwest)?

We did full house replacement of windows about 10 - 12 years ago through Lowes with the Pella windows. The windows have been great. No problems. We replaced one french door with Pella and that has been a recurrent problem. It gets used a lot, as it is the main door to the back yard and the dog goes ...
by ww340
Tue Jul 14, 2015 5:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7832
Views: 1607491

Re: U.S. stocks in freefall

Uncle Pennybags - that was a whole other discussion. viewtopic.php?f=1&t=168556&p=2540955#p2540955
by ww340
Sun Jul 12, 2015 10:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7832
Views: 1607491

Re: U.S. stocks in freefall

Beware that I am selling Wellington this week. I have the same affliction as Nedsaid and Garlandwhizzer - things seem to go up after I sell them. I have a real estate closing next week and must sell this week. It will surely go down before I sell it and go up phenomenallly as soon as I sell. So this...
by ww340
Tue Jul 07, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: 27 year old son with Tramautic Brain Injury need help
Replies: 16
Views: 5020

Re: 27 year old son with Tramautic Brain Injury need help

We had a similar issue with our son. He cannot tolerate living in a group home situation, and we needed to have our home to ourselves. We bought a duplex and our son lives in one side. Initially we had to provide a lot of support for him, but we explained that if this did not work out, he would have...
by ww340
Wed Jul 01, 2015 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell muni funds or Wellington
Replies: 9
Views: 2056

Re: Should I sell muni funds or Wellington

Thank you for your thoughts on this. I think I will most likely sell the Wellington fund. At least that is my thought for today. I hope it goes up a bit before I have to sell. I do want to keep my allocation the same or up a touch in stock, since we have such a small allocation to stock right now. G...
by ww340
Mon Jun 29, 2015 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell muni funds or Wellington
Replies: 9
Views: 2056

Re: Should I sell muni funds or Wellington

I suppose the market may make the decision for me, if we have a RBD due to the Greece situation, I may just have to use whatever is left. That is not a cheery thought. Lafder I am down just a few dollars in all those funds. I haven't reinvested dividends or distributions, so I won't create any capit...