Search found 655 matches

by clip651
Mon Jul 13, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: Debt collection response
Replies: 15
Views: 1315

Re: Debt collection response

Long story on whether the debt is owed by me. It relates to a broken commitment from HOA. Thanks for the posts. However, please answer my question of if it is wise to start negotiating in the initial response letter or wait until I get a response from the collection agency on my response letter. Ho...
by clip651
Mon Jul 13, 2020 2:18 pm
Forum: Personal Consumer Issues
Topic: Elderly parent living situation
Replies: 37
Views: 1941

Re: Elderly parent living situation

Some things to consider, some of these are in addition to the sister issues and financial issues that other posters have addressed: As others have asked, what does your Dad want? What do you want? What does your wife want? How does she feel about your Dad living with your family? How about your kids...
by clip651
Mon Jul 13, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Estate strategy for my 90+ year old mother - is this right?
Replies: 9
Views: 505

Re: Estate strategy for my 90+ year old mother - is this right?

If you don't trust the advice from the lawyer you've already consulted, consider getting a second opinion. This stuff can be simple or complicated. Details matter.

best wishes,
cj
by clip651
Sun Jul 12, 2020 10:01 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 250
Views: 15497

Re: Coronavirus Flight Cancel Thread

Stay safe & well (apparently our state is setting records :( ) So, if your state is setting records, and/or your destination is having an outbreak, those are both great reasons to avoid non-essential travel, whether by plane or otherwise. There are non-trivial chances you'll take the virus with you...
by clip651
Sun Jul 12, 2020 1:53 pm
Forum: Personal Consumer Issues
Topic: Dog in Condo for sale.
Replies: 27
Views: 3010

Re: Dog in Condo for sale.

Find another condo. While you may be able to substantially remove the odor with painting and new carpets (and other flooring as necessary) that does not mean that you got it all. Depending on how long the pets resided there animal urine can seep along the floor and work its way into floor-level kit...
by clip651
Sun Jul 12, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Dog in Condo for sale.
Replies: 27
Views: 3010

Re: Dog in Condo for sale.

When you say dog odor, do you mean you can tell a dog lives there? Or that the place smells of dog urine or feces, even if faintly? I've had dogs and cats all my life, and I don't have allergies. And I wouldn't buy a place with bad pet odors that I could detect at a showing. General healthy pet hous...
by clip651
Fri Jul 10, 2020 10:17 pm
Forum: Personal Consumer Issues
Topic: Questions re Facebook Privacy
Replies: 11
Views: 704

Re: Questions re Facebook Privacy

First off, check your privacy and security settings - the default settings on the account likely aren't what someone with your concerns would want. But, even with the tightest security settings, you've let FB know your name, town, and something about your interests, based on the local group you're v...
by clip651
Thu Jul 09, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: safety thing for stairs?
Replies: 42
Views: 2553

Re: safety thing for stairs?

I have a new cat, and he has taken to rolling around between the vertical supports (what do you call these things?) of the railing between the 1st and 2nd floors. He is a small cat and could easily fall through. Consider adding additional spindles in between the existing ones, to make the spaces sm...
by clip651
Thu Jul 09, 2020 2:40 pm
Forum: Personal Consumer Issues
Topic: safety thing for stairs?
Replies: 42
Views: 2553

Re: safety thing for stairs?

I am very sure the cat will have not problems falling 15 feet to 30 feet from anywhere on to anything. And the smaller the cat, the higher the fall could be without any problems. While many cats survive many falls without injury, cats can certainly be injured by falls, even ones that are only a few...
by clip651
Mon Jul 06, 2020 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Actions at end of life to benefit heirs
Replies: 101
Views: 6369

Re: Actions at end of life to benefit heirs

I don't know how VG would be able to tell who was logging on. I've seen many people post about logging onto accounts for their parents or spouses and I've never heard of a problem. Let's see if anyone knows of problem. The above the board way to do this at Vanguard is to get agent authority granted...
by clip651
Mon Jul 06, 2020 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Actions at end of life to benefit heirs
Replies: 101
Views: 6369

Re: Actions at end of life to benefit heirs

Mom had 100k in medical bills in the final year of her life. She could have pulled 100k from the IRA to pay them essentially tax free. My tax rate is 37%. That would have saved 37k in taxes right there. Additionally she was in a much lower tax bracket than I. The other 13k would be due to the diffe...
by clip651
Mon Jul 06, 2020 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Care options for parent (mental health, death of spouse)
Replies: 25
Views: 1919

Re: Care options for parent (mental health, death of spouse)

She's in a paid outpatient program now (was inpatient pre-COVID). Speaking to the counselor several times I question the effectiveness of the program. Seems more 'keep thing status quo', not goal-oriented, don't really know my mother, etc. We have a meeting with a local counselor we know tomorrow t...
by clip651
Fri Jul 03, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: Approached to Replace the Roof after Hail Storm
Replies: 18
Views: 1727

Re: Approached to Replace the Roof after Hail Storm

How common is significant roof damage after hail storms? What sort of damage happens to good quality well installed shingles when hit by hail? I mean, if there is a ton of golf ball or bigger sized hail, sure I'd expect damage. But the typical hail storm that has much smaller hail - is it really dam...
by clip651
Thu Jun 25, 2020 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Care options for parent (mental health, death of spouse)
Replies: 25
Views: 1919

Re: Care options for parent (mental health, death of spouse)

Another thought is that you may want to consider counseling for yourself and your sister. This may help you to better understand your mother's condition, and to deal with the stresses of caregiving and working towards future decisions for her.
by clip651
Thu Jun 25, 2020 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Care options for parent (mental health, death of spouse)
Replies: 25
Views: 1919

Re: Care options for parent (mental health, death of spouse)

Realistically, she's a new widow that was relying heavily on her husband for support. She's going to need a lot of support going forward. Short term, family is probably best to provide this for her to the extent that that's possible. I don't think a 3-6 month adjustment period is out of line at all....
by clip651
Tue Jun 23, 2020 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Household Employee Tax Reporting Question for Daughter
Replies: 19
Views: 794

Re: Household Employee Tax Reporting Question for Daughter

Nevermind, I reread your post after a good night's sleep and it made more sense. The question is whether it is worth it? How do I address the workman's compensation issue? This is entirely dependent on your state's requirements. Are there any exemptions for dependents, children, minimum wages, etc....
by clip651
Tue Jun 23, 2020 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Household Employee Tax Reporting Question for Daughter
Replies: 19
Views: 794

Re: Household Employee Tax Reporting Question for Daughter

Sounds more like an allowance in exchange for chores than work to me. Isn't that what all work is? Not per the IRS. A parent giving their child money to encourage them to do chores may help teach work ethic and life lessons, but isn't normally taxable income that would enable child to contribute to...
by clip651
Tue Jun 23, 2020 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Household Employee Tax Reporting Question for Daughter
Replies: 19
Views: 794

Re: Household Employee Tax Reporting Question for Daughter

Sounds more like an allowance in exchange for chores than work to me.
by clip651
Thu Jun 18, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8035

Re: Would you rent your house to a famous athlete?

I’m appalled at the amount of people on this forum that think it’s okay to not rent to someone based on age and the fact of not being married. What’s next not renting to someone if they have kids. It is most likely illegal to not rent to someone on these standards. I agree. A lot of the decision cr...
by clip651
Tue Jun 16, 2020 10:12 pm
Forum: Investing - Theory, News & General
Topic: The “Abandon Bonds” strategy
Replies: 200
Views: 16233

Re: The “Abandon Bonds” strategy

And seven years from now my $100 invested would be worth $115 if put in bonds. That’s terrible. Keep some in cash or bonds as an emergency fund, but as a substantial component to a long term investment it is really throwing money away at these atrocious rates. But your $100 in stocks will be worth ...
by clip651
Tue Jun 16, 2020 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Change of Address choices for father w/ cognitive decline
Replies: 28
Views: 1279

Re: Change of Address choices for father w/ cognitive decline

I am not sure if Vanguard allows P.O. Box addresses. They do, we have statements sent to our PO Box. I believe they also require a residence address on file. I see. So would it be accurate to say that Vanguard does not allow P.O. Box addresses as a primary address or as the only address? I suspect ...
by clip651
Tue Jun 16, 2020 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8035

Re: Would you rent your house to a famous athlete?

I'm sure my house would be of no interest to anyone famous. But if I were trying to sell a house, I'd stick with trying to sell it and not take the risk of headaches of becoming a landlord. Tell your agent to tell the famous athlete to put in an offer to buy the house if they are interested. They ca...
by clip651
Tue Jun 16, 2020 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Change of Address choices for father w/ cognitive decline
Replies: 28
Views: 1279

Re: Change of Address choices for father w/ cognitive decline

I am not sure if Vanguard allows P.O. Box addresses. They do, we have statements sent to our PO Box. I believe they also require a residence address on file. We used a combination of PO Box and paperless statements for various accounts (including bills, subscriptions, etc) for a similar situation.
by clip651
Wed Jun 10, 2020 11:07 pm
Forum: Personal Consumer Issues
Topic: How to be informed but tune out the noise?
Replies: 26
Views: 1790

Re: How to be informed but tune out the noise?

For TV news, the PBS networks carry calmer stuff (well, calmer presentation of current issues, anyway), generally - PBS NewsHour, DW Today, NHK Newsline, BBC News. And by sampling those periodically, you also get some non-US perspective on the news. For example, coronavirus restrictions in Tokyo don...
by clip651
Tue Jun 02, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: DR recommending i stay home from work for entire 3ed trimester of Pregnant Fiancé
Replies: 46
Views: 3935

Re: DR recommending i stay home from work for entire 3ed trimester of Pregnant Fiancé

I am not a doctor, but CDC says the pregnancy is not an additional risk factor. I think there is still uncertainty or disagreement about this among the medical and public health community. I regularly listen to press conferences from several local (to me) states. And at least one of those state lev...
by clip651
Sat May 30, 2020 10:19 pm
Forum: Personal Investments
Topic: Out of market now and need advice on re-entering
Replies: 107
Views: 10240

Re: Out of market now and need advice on re-entering

I agree with many previous posters who are suggesting a much more conservative asset allocation going forward. 40/60, 50/50, or maybe 60/40 is as far as I would guess you might be able to tolerate. This is within the range of appropriate for your age, and definitely more appropriate given your prove...
by clip651
Sat May 30, 2020 10:08 am
Forum: Personal Investments
Topic: Out of market now and need advice on re-entering
Replies: 107
Views: 10240

Re: Out of market now and need advice on re-entering

What does your spouse say about how they think the money should be invested and managed? Do they know you moved everything to money markets? Can you two agree on a plan and then help each other stick with it?

best wishes,
cj
by clip651
Fri May 29, 2020 2:48 pm
Forum: Investing - Theory, News & General
Topic: Can you recommend a book for a non-investor? Jill Schlesinger?
Replies: 7
Views: 465

Re: Can you recommend a book for a non-investor? Jill Schlesinger?

And I think any book with "dumb" in the title is going to put people on the defensive, unless they are already a fan of the Dummies guides and whatnot.
by clip651
Fri May 29, 2020 2:46 pm
Forum: Investing - Theory, News & General
Topic: Can you recommend a book for a non-investor? Jill Schlesinger?
Replies: 7
Views: 465

Re: Can you recommend a book for a non-investor? Jill Schlesinger?

Suze Orman isn't perfect, but gives good overviews of things like bank accounts, CDs, IRAs, sensible use of credit, etc. It's been a few years since I looked, but she does tend to recommend low cost index fund investing. And she tends to be a cheer leader, "you can do it" type. Might not be a bad st...
by clip651
Thu May 28, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Bird Nest Forming Under Deck
Replies: 27
Views: 1589

Re: Bird Nest Forming Under Deck

I'm with CFIT. It sounds like science fiction, but it is true. Bird Mites!! Last year, all of a sudden I started getting bitten at night. First night a couple of bites. Then ever more and more. 20-30 bites a night. My husband wasn't getting bitten at all. Fleas? no. Bed bugs? I ripped everything ap...
by clip651
Thu May 28, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: The Pros and Cons of sitting on an iPhone 11 Pro
Replies: 41
Views: 3165

Re: The Pros and Cons of sitting on an iPhone 11 Pro

JD2775 wrote:
Thu May 28, 2020 1:49 pm
How could there possibly be any "pros" to sitting on your phone? :D
Bragging rights? Annoying the friends and family members that are more cautious with their phones? And when it breaks the decision about when to upgrade is simpler!
by clip651
Wed May 27, 2020 7:39 pm
Forum: Personal Consumer Issues
Topic: The Pros and Cons of sitting on an iPhone 11 Pro
Replies: 41
Views: 3165

Re: The Pros and Cons of sitting on an iPhone 11 Pro

Back pocket would seem to make you a target for pick pockets.
by clip651
Tue May 26, 2020 2:29 pm
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 45
Views: 2364

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

The RV idea sounds good in theory, but tons of people are thinking this way. It's even on the news regularly, how convenient it will be to travel by RV during a pandemic since people don't want to fly or go to Europe, etc. I'm no expert, but this makes me predict that it will be difficult to get RV ...
by clip651
Mon May 25, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with Mother-In-Law
Replies: 31
Views: 3970

Re: What to do with Mother-In-Law

gasdoc, how much time do you spend visiting with your MIL? If you pick the route of moving her in with you and your DW, you'll be long term roommates at the least, and you may become responsible for parts of her care, as well, depending on her needs. If she's in a situation where she only needs a fe...
by clip651
Mon May 25, 2020 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about sibling financial future
Replies: 31
Views: 4056

Re: Worried about sibling financial future

The most important thing is to simply love your brother the best way you can and feel comfortable with. I recognize and appreciate that people often feel an obligation (whether by their own expectations or under the potential pressure of others / society) to provide some type of financial support t...
by clip651
Sun May 24, 2020 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with Mother-In-Law
Replies: 31
Views: 3970

Re: What to do with Mother-In-Law

My first impression of your situation is to agree with the previous poster. You seem to have a good setup for your MIL currently, presumably you have been settled in your own home and local community for some time, etc. You haven't told us much about your MIL - age? generally stable health? does she...
by clip651
Fri May 22, 2020 11:00 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime delayed shipping
Replies: 39
Views: 2907

Re: Amazon Prime delayed shipping

You might wait and see how long the items take to show up before getting too upset. Some items I've ordered have had an estimated delivery date about a week out, but items actually showed up earlier. Others have showed up around the estimated date. And some items are still estimated and then showing...
by clip651
Fri May 22, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3781

Re: Safely disinfecting frozen food packages from corona virus?

I see way too much overkill regarding safety by some people. I get the desire to be safe and the uncertainty presented by the lack of definitive information leads to people doing very expensive and time consuming things. At the end of the day we need to be able to fall asleep without worry so I rea...
by clip651
Thu May 21, 2020 8:54 pm
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 66
Views: 6436

Re: Healthcare post COVID-19

When over 20 million people in the United States lose their health insurance during a pandemic, you know something is wrong with tying health insurance to jobs. Telemedicine will become more mainstream. I think many industries have been forced to advance 10 years into the future by the pandemic. Yo...
by clip651
Wed May 20, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: Dual citizen, USA passport expiring, how to travel internationally
Replies: 72
Views: 4204

Re: Dual citizen, USA passport expiring, how to travel internationally

I am a dual national myself, and I would never attempt to leave the country with the US passport in my pocket, while presenting different passport to the ticket agent. Why do that? Just to see if I can? And if I can, then hope the entire time abroad that there will be no negative consequences upon ...
by clip651
Tue May 19, 2020 5:04 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3587

Re: Sources for N95 masks

If I had to fly I would buy the seat next to mine to keep it empty and I'd bring enough extra disposable surgical masks with me that I could offer one to a nearby passenger who didn't have one and was willing to wear it. Those seem actionable. Does buying an extra seat with no one to check in for i...
by clip651
Thu May 14, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: Advice for upcoming foot surgery
Replies: 37
Views: 2118

Re: Advice for upcoming foot surgery

livesoft wrote:
Thu May 14, 2020 10:18 am
OP lives alone, so bathing /showering is gonna be pretty low priority I would think. Higher priority would be a nice video gaming console and display.
I didn't say anything about frequency. :wink:

Just offering a much simpler solution than removing shower doors, etc.
by clip651
Thu May 14, 2020 4:01 pm
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 66
Views: 6436

Re: Healthcare post COVID-19

The ability of the televideo/ telephone visit volumes to persist post COVID will depend on the willingness of the patient (his/her insurance) to pay for it. If people like it then they will need to push their insurer to pay for it. As an individual patient, I've no leverage whatsoever to push my in...
by clip651
Thu May 14, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Advice for upcoming foot surgery
Replies: 37
Views: 2118

Re: Advice for upcoming foot surgery

Unfortunately, I live alone. So getting the shower door off now is impossible. As I said, sponge baths. Sponge baths can be made more convenient with various pre-moistened wipes. There are baby wipes, of course, but there are also various adult wipe products made for taking care of bed bound patien...
by clip651
Wed May 13, 2020 11:36 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1655
Views: 137216

Re: Coronavirus (Consumer Issues) How you are preparing?

7) Also stocked up on canned food, but probably not enough. I have 12 canned chickens (10-12oz), 8 canned vegetables. Extra rice. This is for one person, I'm thinking of whether to extend my stockpile of food even more (and it's also going to be food I won't normally eat)... but US is a net food pr...
by clip651
Wed May 13, 2020 10:33 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 11437

Re: Dentist charges $10 for PPE

The funny thing about "insurance is the problem" for dentists - our family has never had dental insurance. Pay as we go, whether that is routine care or more extensive work - over the decades, that has included fillings, braces, crowns, bridges, dentures, etc for various family members. The bigger i...
by clip651
Wed May 13, 2020 12:36 am
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4292

Re: COVID - 19 things to do

Set up a bird feeder or two, and a hummingbird feeder. Get a decent bird book and get to know your local birds. If kids are old enough, they can count birds, identify them, try to tell males from females, learn about bird behavior, etc. Can be enjoyable and relaxing to watch them for a few minutes s...
by clip651
Tue May 12, 2020 11:00 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56811

Re: How to get Toilet Paper ? seriously.

student wrote:
Tue May 12, 2020 4:56 pm
https://www.amazon.com/dp/B07ND3MW45?ta ... PDKIKX0DER

In stock.
Not anymore. But I suspect that or something else will be again soon. Things seem to go in and out of stock really quickly these days.
by clip651
Tue May 12, 2020 7:53 pm
Forum: Investing - Theory, News & General
Topic: Healthcare post COVID-19
Replies: 66
Views: 6436

Re: Healthcare post COVID-19

As a patient and caregiver for family members with various chronic conditions, I hope that telemedicine visits continue to be widely available where appropriate. I have long been frustrated by only being able to consult with doctors in person - at least in my area, you can never get them on the phon...