Search found 454 matches

by Church Lady
Mon Sep 17, 2018 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: retiring soon, any advice on moving 401k?
Replies: 6
Views: 722

Re: retiring soon, any advice on moving 401k?

I have no plans to roll over my 401K to an IRA soon. I'll do Roth conversions, but I'll keep the converted :moneybag in the plan. I like having access to a competitively yielding stable value fund. I also have access to low fee mutual funds (no brokerage link -- unit trusts and mutual funds only). I...
by Church Lady
Fri Sep 14, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Grocery Store Comparison App
Replies: 9
Views: 793

Re: Grocery Store Comparison App

A quick search for 'price book app' turned up a few articles. This one: https://lifehacker.com/how-to-save-the-most-money-on-your-grocery-budget-with-1518202640 mentions spread sheets and mobile (Phone) apps, as well as the three ring binder. Is that the sort of thing you mean, or are you looking fo...
by Church Lady
Fri Sep 14, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 70
Views: 4824

Re: Shorts in Egypt

https://www.tripadvisor.com/Travel-g294201-c74912/Cairo:Egypt:What.To.Wear.When.Visiting.Egypt.html Excerpt: For men it is not really an issue -- normal trousers and shirt or T-shirt are fine -- but in Cairo it would not be acceptable to wear short shorts or a tank tops/sleeveless tops. In the reso...
by Church Lady
Fri Sep 14, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2622

Re: Picking a Charity

Charity navigator org

I notice that Charity Navigator has an option to donate directly through their website. I like the idea of giving anonymously. Has anyone used this feature, and if so, what was your experience? Did you get a tax receipt? Did you get annoying emails?
by Church Lady
Mon Sep 10, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 29
Views: 1574

Re: where to learn to sew?

Back in the day, we learned hand sewing years before progressing to machine sewing. Hand sewing tools are pretty cheap to buy. What exactly to get depends on what she wants to sew. Hand sewers can do without the machine, but machine sewers cannot avoid hand sewing from time to time. One way or anoth...
by Church Lady
Thu Sep 06, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5644

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

I'm planning to sell the house if I go into care. If I go into care, I'll obviously be too infirm to maintain a house when I get out. So the house should go, even if I have loads of other assets I could use.
by Church Lady
Thu Sep 06, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 31
Views: 2801

Re: Experience With No Car? (Uber/Lyft)

My first full time job was in a very bike friendly town. I chose not to have a car. I biked (and occasionally walked) to work. For longer hauls, I took the bus or commuter train. As has been mentioned, you save a lot of money by NOT having a car. But eventually I caved and got a car. Here's why: I w...
by Church Lady
Tue Sep 04, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Max 401k and live off savings?
Replies: 9
Views: 1167

Re: Max 401k and live off savings?

Hi OP,
I had a thread about living cash flow negative for the sake of the 401K you can check out:
viewtopic.php?t=185013

There's a post there by Klangfool and another by Spirit Rider you should study carefully.
by Church Lady
Sun Sep 02, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: Roth conversion with future RMD and SS
Replies: 28
Views: 2445

Re: Roth conversion with future RMD and SS

OP,
Dld you remember to take into account that the tax act of 2017 expires in 2025 -- back to old law for 20162026? Just wondering.
by Church Lady
Sat Sep 01, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Mortgage Recast
Replies: 4
Views: 872

Re: Wells Fargo Mortgage Recast

I take it they want you to pay them a lump sum as part of the recast? How much, and how does the lump sum affect your liquidity? Bumping this thread up for the weekend.
by Church Lady
Sat Sep 01, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: TRowePrice's Future Path planning tool
Replies: 13
Views: 1700

Re: TRowePrice's Future Path planning tool

I've never understood why this is a puzzle. :?: Of the original $30, $25 is in the cash register, $2 is in the dishonest bellhop's pocket, and $3 is back in the guests' wallets. You subtract $2 from $27 to get the $25 they should have paid. Adding the $2 to the $27 doesn't represent anything. The $...
by Church Lady
Sat Sep 01, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9603

Re: How do you save money on groceries?

OP, - If you have Target nearby, they sometimes have good grocery deals. You have to watch for them, but they are there. - Stocking up is expensive, and it is easy to get carried away. Here are two true life examples. One relative always buys toilet paper whenever it is on sale. One day, she decided...
by Church Lady
Wed Aug 29, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: TRowePrice's Future Path planning tool
Replies: 13
Views: 1700

Re: TRowePrice's Future Path planning tool

Yes, the sliders are stubborn. Try editing again (when they are not suspecting). I'm glad you're making progress.
by Church Lady
Tue Aug 28, 2018 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: TRowePrice's Future Path planning tool
Replies: 13
Views: 1700

Re: TRowePrice's Future Path planning tool

When you edit each manual account, the sliders will appear. Edit each account and set the sliders to the right values for that account. The graph should show the aggregate percentages.
by Church Lady
Tue Aug 28, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: TRowePrice's Future Path planning tool
Replies: 13
Views: 1700

Re: TRowePrice's Future Path planning tool

I would not say I was an expert; it's more like the blind leading the blind :oops: . But I think you should enter your desired income in today's dollars. Be aware FuturePath does not take taxes into account. As you near retirement, tax issues will loom large and cannot realistically be ignored. Bogl...
by Church Lady
Tue Aug 28, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: TRowePrice's Future Path planning tool
Replies: 13
Views: 1700

Re: Fidelity's Future Path planning tool

Tip: update your post title from 'Fidelity's Future Path' to 'T Rowe Price FuturePath' to get more responses. When I visit the tool, it first presents this message, which I presume you saw: To update your manually entered retirement savings balances, visit the My Assets page, which can be accessed f...
by Church Lady
Sun Aug 26, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Cheaters or prescription bifocals
Replies: 22
Views: 1447

Re: Cheaters or prescription bifocals

OP,
My ophthalmologist says Dollar Store readers are fine. Be aware that you probably haven't bought your last pair. I'd wait for your eyes to stabilize before getting a more expensive pair.

Good luck!
by Church Lady
Fri Aug 24, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10307

Re: I own 1,387 items!

VictoriaF wrote:
Wed Aug 22, 2018 4:42 pm
Church Lady wrote:
Wed Aug 22, 2018 4:38 pm
Mike Scott wrote:
Wed Aug 22, 2018 3:24 pm
Decluttering... yes. Counting... not a chance.
+1
Does "+1" count as "count"?

Victoria
:D
by Church Lady
Thu Aug 23, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: Can you lose capital on these types of bond funds if you hold them to maturity?
Replies: 13
Views: 1066

Re: Can you lose principal on these types of bond funds if you hold them to maturity?

If bonds held by the fund default, the fund would lose that principal. You could lose principal in that way. Another way to lose money is the cash holding. As each bond matures, the fund has to park the cash somewhere. In theory, they could put it in an unreliable instrument that goes belly up. If y...
by Church Lady
Wed Aug 22, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10307

Re: I own 1,387 items!

Mike Scott wrote:
Wed Aug 22, 2018 3:24 pm
Decluttering... yes. Counting... not a chance.
+1
by Church Lady
Sun Aug 19, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fixed Income in Fidelity Roth IRA
Replies: 5
Views: 470

Re: Fixed Income in Fidelity Roth IRA

Roth accounts may be your most valuable savings because under current law, withdrawals are tax free (provided you comply with the many rules for taking withdrawals). Therefore, I take the opposite view of the previous posts and say DON'T BE RECKLESS WITH YOUR MOST VALUABLE ACCOUNT. Remember, you can...
by Church Lady
Sat Aug 18, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Switch to auto lease after retirement?
Replies: 38
Views: 3088

Re: Switch to auto lease after retirement?

One of my friends got a super deal on a lease, so he switched to a lease. He was pushing 70 years old and figured he probably would give up driving in the next few years. So he was not facing the lease rollover problem.
by Church Lady
Fri Aug 17, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Do we really need to save 20 % ?
Replies: 28
Views: 2917

Re: Do we really need to save 20 % ?

No particular knowledge here, but what assurance do you have that this no-PMI program will still be available in the location and at the time you need it? If you ended up paying PMI, would that be acceptable? As for the money sitting in a money market fund, surely you can buy laddered CDs or somethi...
by Church Lady
Wed Aug 08, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Take the capital gains hit in order to go index?
Replies: 9
Views: 1280

Re: Take the capital gains hit in order to go index?

In my opinion (for what that's worth), when Warren Buffett retires or shuffles off his mortal coil, BRK will sell off. How much and for how long is anyone's guess. If this possibility concerns you, lighten up or eliminate BRK.b while it's hummin'.
by Church Lady
Tue Aug 07, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6299

Re: are mccormick gourmet spices better

Ha ha, I always see some interesting jar of spice and buy it on impulse, then I try it once and it sits on my shelf for 10 years until I finally resign myself to tossing it almost full. (Somehow I think most jars of spices have this fate.) I just use the ready made sea salt and pepper they sell in ...
by Church Lady
Mon Aug 06, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6737

Re: "Dollar Tree Store" favorites

Greeting cards. Aseptically packaged milk. Cleaning products, except furniture wipes. Reviews of these products seem to indicate they work as well as the full priced products. Sunglasses and reading glasses. My eye doctor said it was OK. Clothespins and clothesline. Nail polish and eye make-up. Gift...
by Church Lady
Sun Aug 05, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Apple Stock
Replies: 13
Views: 1675

Re: Apple Stock

My question to the forum is, should I just keep it and let it ride? Assuming you want to own AAPL, I'd let it ride where it is. If you can't stand the possibility of riding it back down, set a 'trailing stop' order to sell. If the stock keeps going up, you hold the stock. If the stock falls, the st...
by Church Lady
Fri Aug 03, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 4049

Re: Time to invest in Fidelity's new zero fee funds?

Mark2614, I'm scratching my head wondering how Fidelity, a publicly traded company, will be able to keep the lights turned on if they start giving away professional stock management. https://www.sec.gov/Archives/edgar/data/35315/000137949118003935/filing836.htm#401380377 Advisory Fee(s) The fund doe...
by Church Lady
Thu Aug 02, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4841

Re: Which diet soda pop do you enjoy?

Diet Dr Pepper, Coke Zero, Diet Coke, Diet A&W, Diet Tonic water.

I'll drink other diet sodas, but these are my go to sodas.

Diet Pepsi does something weird to my kidneys so I avoid it.
by Church Lady
Tue Jul 24, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Plannig International trips
Replies: 10
Views: 724

Re: Plannig International trips

When you finish your four weeks in SE Asia, could you just dump the four suitcases and finish the trip with your carry ons? Or else trash two or three suitcases and continue with one? Might not the cost of storage exceed the value of the items in the suitcases? This guy may be able to help. He seems...
by Church Lady
Wed Jul 11, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2989

Re: Rodents ate my car, and my insurance is ripping me off!

We had wires eaten by a chipmunk or squirrel on a 1999 (i.e. non-soy-based-wiring). Netbag with mothballs, and popping the hood every few days eliminated the problem. I've been with AMICA for 38 years. I have no "we won't cover it" issues or games-playing. Cheap insurance is cheap service most time...
by Church Lady
Wed Jul 11, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2989

Re: Rodents ate my car, and my insurance is ripping me off!

I have experience with this type of claim. The LKQ fuel tank(used) is normally not a concern on a vehicle 5 years old. The only thing I would wonder about is the wiring that was chewed. Was it to the in tank fuel pump? I would not want to accept a used fuel pump from the salvage yard. The labor dif...
by Church Lady
Tue Jul 10, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2989

Re: Rodents ate my car, and my insurance is ripping me off!

Cody wrote:
Tue Jul 10, 2018 11:20 am
Love the OP title.

One big mouse!

Good Luck

Cody
:) :) :) Thanks!
by Church Lady
Tue Jul 10, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2989

Re: Rodents ate my car, and my insurance is ripping me off!

OP asks if insurance company is bad "their insurance" but doesn't name company. Impossible for others to comment as they don't know particulars. I did not name the company, but I did say how they treated me, and asked if others were treated the same or better. Why is the name of the company importa...
by Church Lady
Tue Jul 10, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2989

Re: Rodents ate my car, and my insurance is ripping me off!

I have experience with this type of claim. The LKQ fuel tank(used) is normally not a concern on a vehicle 5 years old. The only thing I would wonder about is the wiring that was chewed. Was it to the in tank fuel pump? I would not want to accept a used fuel pump from the salvage yard. The labor dif...
by Church Lady
Tue Jul 10, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2989

Re: Rodents ate my car, and my insurance is ripping me off!

When our car was hit by a car exiting a parking lot and simply ignoring the physics law that says 2 cars can't occupy the same space at the same time, the estimate from the insurance adjuster came with a used door to replace the one crunched. The estimate listed 2 local junkyards who had the door a...
by Church Lady
Tue Jul 10, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2989

Re: Rodents ate my car, and my insurance is ripping me off!

This question is asked in hindsight of the situation. Given that the insurance didn't pay anything towards the $1000+ repair, was it worth submitting a claim? I could not have known what they would pay in advance of filing the claim. Do you now have a policy with a claim on it instead of being "cla...
by Church Lady
Mon Jul 09, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2989

Re: Rodents ate my car, and my insurance is ripping me off!

Was it really necessary to submit a claim for this? $1,000+ claim on a policy with a $200 deductible and you’re asking why OP wanted to file a claim? +1 I carry a $1k deductible on my vehicles, but Church Lady has paid for a policy with a lower deductible...she should expect payment on this claim. ...
by Church Lady
Mon Jul 09, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2989

Re: Rodents ate my car, and my insurance is ripping me off!

OP asks if insurance company is bad "their insurance" but doesn't name company. Impossible for others to comment as they don't know particulars. I did not name the company, but I did say how they treated me, and asked if others were treated the same or better. Why is the name of the company importa...
by Church Lady
Mon Jul 09, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2989

Re: Rodents ate my car, and my insurance is ripping me off!

- Instead of a replacement fuel tank and evap line, they reimburse for a salvage fuel tank and line - They reimburse at 1/3 the dealer labor rate, or about 1/2 an independent shop rate. How do they justify the fractional labor rate payments? I don't know about the salvaged stuff, the policy may spe...
by Church Lady
Mon Jul 09, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2989

Re: Rodents ate my car, and my insurance is ripping me off!

barnaclebob wrote:
Mon Jul 09, 2018 10:55 am
Does you insurance have a list of approved mechanics? Generally when you go that route there will be few problems with reimbursement.
They said nothing about approved mechanics, but explicitly mentioned I could take it to any shop I wanted.
by Church Lady
Mon Jul 09, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2989

Rodents ate my car, and my insurance is ripping me off!

Or is it? Here is an update and new question from my thread: Rodents ate my car! https://www.bogleheads.org/forum/viewtopic.php?t=253089 I guess the new question is buried too deep in the thread as I have no answers. I called my insurance company. Technically, my comprehensive insurance covers roden...
by Church Lady
Sat Jul 07, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 4275

Re: Tipping in a hotel room/cruise ship room

I rarely tip the hotel. I reckon that is what the room charge is for. However, once we were embarrassed as we prepared to check out because the room was so messy. We hunted down the house keeper, made sure she was the one cleaning the room, and paid $10 into her hand. I'd do it again if I left such ...
by Church Lady
Sat Jul 07, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: thoughts on converting small pantry to 3/4 bath
Replies: 22
Views: 1343

Re: thoughts on converting small pantry to 3/4 bath

Would the bath have a window? 'Bathroom window' was on my home shopping list. Will the bath open onto an awkward place, such as the kitchen? Have you seen a 3x6 3/4 bath that you thought was spacious enough, with enough storage and counter space to be a practical space? Do your neighbors add a 3x6 (...
by Church Lady
Sat Jul 07, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a job in a less desirable city if you had to work fewer days?
Replies: 40
Views: 3227

Re: Would you take a job in a less desirable city if you had to work fewer days?

Same salary, same taxes, get back 3/5 of your week ... I'd be sorely tempted! How secure is the job and are there opportunities for advancement? I lived in a city with a lot of restaurants, cultural activities, night school, and so forth, but did not really avail myself because I had a full time job...
by Church Lady
Fri Jul 06, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5811

Re: Rodents ate my car!

Here is an update .... I asked my insurance company if they would cover the damage. Technically they do, but they paid nothing. - Instead of a replacement fuel tank and evap line, they reimburse for a salvage fuel tank and line - They reimburse at 1/3 the dealer labor rate, or about 1/2 an independe...
by Church Lady
Fri Jul 06, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5811

Re: Rodents ate my car!

The class action lawsuit was dismissed: https://www.autoblog.com/2018/07/05/toyota-wiring-rats-lawsuit-dismissed/ I get why they might want to use soy-based looms and hoses. But there are all sorts of foul-tasting deterrents that can be applied to stuff to make them unappetizing. If you have a Nint...
by Church Lady
Thu Jul 05, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off my car or trade in on new?
Replies: 36
Views: 1883

Re: Pay off my car or trade in on new?

OP, you should keep your car for the time being. When you settle down in your new city, you will probably discover that your car requirements change. It is good to wait a bit in the new location to understand what your needs are.