Search found 1237 matches

by gasdoc
Tue Nov 14, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 3413

Re: Borrowing from parents - what interest rate?

Do you really want your parents to look at you funny every time you go on vacation or buy an expensive item for your home, wondering why you are spending money when you still owe them money? I wouldn't do the deal.

gasdoc
by gasdoc
Tue Nov 14, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: 35 yr-old doc needs some wisdom
Replies: 45
Views: 9671

Re: 35 yr-old doc needs some wisdom

House and Car are the big ticket items. As a single person, I wouldn't buy a house or condo- I would lease/rent, and just get what I need. As for cars, I also like luxury imports, but I stick to 2-3 year old versions from CarMax, and keep them until they are 10 years old or 100K miles. I like my Inf...
by gasdoc
Tue Nov 14, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Re: Do you meditate?

I've tried meditation once or twice out of curiosity. What kept me from going further is that some of the common "tools" of meditation -- saying "OM", focusing on one's breathing and looking at a mandala -- are not things that provide a positive feeling in me. In particular, I have a specific disli...
by gasdoc
Tue Nov 14, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Re: Do you meditate?

I've tried meditation once or twice out of curiosity. What kept me from going further is that some of the common "tools" of meditation -- saying "OM", focusing on one's breathing and looking at a mandala -- are not things that provide a positive feeling in me. In particular, I have a specific disli...
by gasdoc
Tue Nov 14, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Re: Do you meditate?

I pray, but do not meditate. I view the two as polar opposites. Since discussion of religion or anything spiritual isn't appropriate on a financial forum, I can't elaborate. Longtermgrowth, I will just respectfully disagree with that statement. They can be very compatible. The American Medication I...
by gasdoc
Mon Nov 13, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 28
Views: 2040

Re: What backup service to use?

Carbonite has saved me a few times. No problems thus far. It works seamlessly in the background, as does my external hard drive. I do both.

gasdoc
by gasdoc
Mon Nov 13, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Re: Do you meditate?

Yes, but not as often as I should. My wife teaches yoga, and I've done yoga for 20 years. Now, I mostly do a 30 minute daily stretching routine mixed with some yoga poses. When doing this, I'll often listen to a dharma talk from Gil Fronsdal (Insight Meditation Center). He has a lot of free talks o...
by gasdoc
Mon Nov 13, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 75
Views: 5241

Re: Costco for tires and car insurance?

OP, I live in your city and have first-hand experience with both Costco and DT in the past month. The prices vary back and forth depending on current sale deals, but the tie-breaker is which employee you deal with. For example, I had DT mount my new Blizzaks on some take-off rims I bought unused at...
by gasdoc
Mon Nov 13, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Re: Do you meditate?

“How much time per day? Have you noticed any benefits?” I meditate about 5 days a week, ~30 minutes each time. I am able to pull myself back from ruminating while driving a couple times each drive. Occasionally when playing with the kids. I am more aware of when I am getting stressed out. When I no...
by gasdoc
Mon Nov 13, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 75
Views: 5241

Re: Costco for tires and car insurance?

Kaufman Tire sponsors NFL football teams in our area of the country- the Southeast. They run a promo where they discount their tires $30 for each quarter that the team scores, but only for one day, the day after the game. Our NFL team scored in all four quarters (unusual), so 4 tires were discounted...
by gasdoc
Mon Nov 13, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Re: Do you meditate?

Although I’d been made aware of it for a long time, I only recently (~May 2017) truly began doing it. Stress was savaging me. I expect to start yoga someday. My Stroke of Insight by Jill Bolte Taylor was illuminating. The American Meditation Insight promotes their programs for those that are experi...
by gasdoc
Mon Nov 13, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Re: Do you meditate?

No. I read the Bible (every day) and spend time in prayer. I do take time to consider the meaning of what I have read - sometimes using commentaries. goldendad, It sounds like it would not be much of a reach to go from time in prayer to adding time for exclusive attention to a focal point, whether ...
by gasdoc
Sun Nov 12, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Re: Do you meditate?

Thanks, everyone for the comments. I am reading them all.

gasdoc
by gasdoc
Sun Nov 12, 2017 7:26 am
Forum: Personal Consumer Issues
Topic: Online Canadian Pharmacy
Replies: 19
Views: 2244

Re: Online Canadian Pharmacy

I am self insured, with an old health insurance policy that has been grandfathered in. I pay full price for any meds my family uses. Two family members use steroid inhalers for asthma. I buy these from a verified Canadian pharmacy, and have for years. As a previous poster wrote, it can take a few w...
by gasdoc
Sat Nov 11, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Re: Do you meditate?

J295 wrote:
Sat Nov 11, 2017 5:35 pm
Yes. One of many prayer forms in the Catholic tradition.
Or you can do a short prayer in the beginning of the meditation....

gasdoc
by gasdoc
Sat Nov 11, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Re: Do you meditate?

Yoga, yes, twice a week. I have ankylosing spondylitis, and yoga is a necessity. There's simply nothing better for fighting the stiffness in my back and neck. I have a hard time with meditation though. My mind tends to wander even during the brief rest time at the end of yoga class. So I just let i...
by gasdoc
Sat Nov 11, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Re: Do you meditate?

OP, Be mindful and aware while doing a routine. For example, while taking a daily walk, instead of wearing a headphone and shut yourself off, feel and aware of your movement. Be mindful of your surrounding. Ditto on cycling and so on. Integrate mindfulness and focus on what you are doing at the mom...
by gasdoc
Sat Nov 11, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Re: Do you meditate?

BV3273 wrote:
Sat Nov 11, 2017 12:32 pm
Want to start but not sure where to start. I'm going to try that headspace app.
I liked the book, "The Mind Illuminated," for getting started. At the very beginning, I worked through a couple of free, guided internet resources.

gasdoc
by gasdoc
Sat Nov 11, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Re: Do you meditate?

I go to Yoga at my health club as I think its likely good for me. Today the teacher was reminding us to breathe, breathe, breathe. I think that this is good as well as some of the poses. Breathing is part of the practice of meditation. Focus on the base of the nose, and notice the cool air going in...
by gasdoc
Sat Nov 11, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6196

Do you meditate?

My wife and I recently attended a conference titled, "The Heart and Science of Yoga," done by Leonard Perlmutter and the American Meditation Institute. During the week, we were introduced to the practice and science behind meditation, easy and gentle yoga, healthy and mindful eating, etc. The course...
by gasdoc
Sat Nov 11, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Online Canadian Pharmacy
Replies: 19
Views: 2244

Re: Online Canadian Pharmacy

I am self insured, with an old health insurance policy that has been grandfathered in. I pay full price for any meds my family uses. Two family members use steroid inhalers for asthma. I buy these from a verified Canadian pharmacy, and have for years. As a previous poster wrote, it can take a few w...
by gasdoc
Wed Nov 08, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: When is a good time to rebalance?
Replies: 30
Views: 2244

Re: When is a good time to rebalance?

I have essentially a 4 fund portfolio (US stocks and bonds and international stocks and bonds). I rebalance whenever my asset allocation is off by more than 5%. I do not do any investing in REITs or other specialized stocks or funds. I understand these other investments, but prefer to follow Vanguar...
by gasdoc
Wed Nov 08, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Do hospitals provide maternity package?
Replies: 6
Views: 483

Re: Do hospitals provide maternity package?

I can't answer the question directly, but I can tell you that should you decide to use the insurance, you can call the hospital to ask for the "self pay" price. In my experience, they usually will give it to you when you are paying cash because of a high deductible. That way, the charges will count ...
by gasdoc
Wed Nov 08, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Online Canadian Pharmacy
Replies: 19
Views: 2244

Re: Online Canadian Pharmacy

I am self insured, with an old health insurance policy that has been grandfathered in. I pay full price for any meds my family uses. Two family members use steroid inhalers for asthma. I buy these from a verified Canadian pharmacy, and have for years. As a previous poster wrote, it can take a few we...
by gasdoc
Tue Nov 07, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 4715

Re: Poll-How much do you have in your HSA?

NYCguy wrote:
Mon Nov 06, 2017 10:01 pm
$105k - 2010.
How?

gasdoc
by gasdoc
Tue Nov 07, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 4715

Re: Poll-How much do you have in your HSA?

My first access to an HSA was 2009, when I became self-employed. $55K. TSM index.

gasdoc
by gasdoc
Mon Nov 06, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2463

Re: Limit Owner Use of Rental Home to Two Weeks?

MarkNYC, thanks for clarifying. We have renters in the unit about 150 days per year. Therefore, we have 15 days available to us without having to pro-rate the expenses. gasdoc No, that's not correct. Please re-read rule #1 listed above. Any personal use causes expenses to be prorated. The 14 day/10...
by gasdoc
Sun Nov 05, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2463

Re: Limit Owner Use of Rental Home to Two Weeks?

If the owner uses the home for personal use for more than 14 days, then all expenses are prorated and any unrented days count as owner personal days. I believe this is stated incorrectly. Code Sec 280A provides the rules relating to personal use of a rental property, which indicates: 1. If the owne...
by gasdoc
Fri Nov 03, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2463

Re: Limit Owner Use of Rental Home to Two Weeks?

If the owner uses the home for personal use for more than 14 days, then all expenses are prorated and any unrented days count as owner personal days. I believe this is stated incorrectly. Code Sec 280A provides the rules relating to personal use of a rental property, which indicates: 1. If the owne...
by gasdoc
Fri Nov 03, 2017 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2463

Re: Limit Owner Use of Rental Home to Two Weeks?

If you rent a dwelling unit to others that you also use as a residence, limitations may apply to the rental expenses you can deduct. You're considered to use a dwelling unit as a residence if you use it for personal purposes during the tax year for more than the greater of : 1.14 days, or 2.10% of ...
by gasdoc
Thu Nov 02, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2463

Re: Limit Owner Use of Rental Home to Two Weeks?

The “14 day limit” only applies if your vacation rental business qualifies as a schedule E business. Not a Schedule C business. What’s the difference? It’s average length of stay. If your average guest length of stay is 7 days or less, the IRS considers your business a hospitality type business and...
by gasdoc
Wed Nov 01, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2463

Re: Limit Owner Use of Rental Home to Two Weeks?

If the owner uses the home for personal use for more than 14 days, then all expenses are prorated and any unrented days count as owner personal days. Meaning if you AirBnb the place all year except the one month you use it, but you have gaps between guests and only net 200 rented nights, then all y...
by gasdoc
Wed Nov 01, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2463

Limit Owner Use of Rental Home to Two Weeks?

We own a home in a retirement community in Florida for the purpose of pre-buying a retirement home. We currently visit the home ourselves for two weeks per year, and rent it out for the remainder of the year.I am vaguely aware that the owner of a rental unit can use the home for two weeks of the yea...
by gasdoc
Wed Nov 01, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Inexpensive house or condo as home base (MKE?)
Replies: 39
Views: 4004

Re: Inexpensive house or condo as home base (MKE?)

Of the two choices, I would go with the condo because of its low maintenance costs. As an owner of second homes, I am familiar with the costs of maintaining an unoccupied home. Personally, I would rent or lease the "home base," perhaps on a yearly basis. At the end of the year, you can release or wa...
by gasdoc
Wed Nov 01, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 48
Views: 4406

Re: Pet insurance?

Self insure when you can. Insurance is not a substitute for a budget and an emergency fund. I am in the "no pet insurance" camp.

gasdoc
by gasdoc
Sat Oct 07, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Combining spouses separate accounts into one joint account. Any downsides?
Replies: 19
Views: 1493

Re: Combining spouses separate accounts into one joint account. Any downsides?

When we got married, we spoke to an attorney about this. He recommended separate accounts, except for a joint checking account, for the following reasons: 1. If one of us was sued for anything, the other's accounts would be not be threatened. 2. If one of us decided to make some hare-brained invest...
by gasdoc
Sat Oct 07, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze - Temporarily Lifting, Restoring and Monitoring
Replies: 13
Views: 756

Re: Credit Freeze - Temporarily Lifting, Restoring and Monitoring

It has never been a problem to go online, unfreeze the accounts at the necessary agency, and allow it to refreeze at the appropriate time. gasdoc Of the three, which do you have actual accounts with (like log in credentials)? The reason I ask is because it seems Equifax & Experian don't require any...
by gasdoc
Sat Oct 07, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze - Temporarily Lifting, Restoring and Monitoring
Replies: 13
Views: 756

Re: Credit Freeze - Temporarily Lifting, Restoring and Monitoring

We (myself, wife, and new adult daughter), have had security freezes with the big three companies for many years (ten?). It has never been a problem to go online, unfreeze the accounts at the necessary agency, and allow it to refreeze at the appropriate time. Usually, I will ask the company I am doi...
by gasdoc
Sat Oct 07, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Combining spouses separate accounts into one joint account. Any downsides?
Replies: 19
Views: 1493

Re: Combining spouses separate accounts into one joint account. Any downsides?

We have all of our investment accounts held jointly at Vanguard, which I manage. We have all of our (separate) IRA accounts at Vanguard, which I manage. I have my self-employment defined benefit plan assets at Vanguard, which I manage. We have one joint online checking account, and one joint local c...
by gasdoc
Sat Oct 07, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1317

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

OP, to directly answer your question, this is not related to your security freeze. Anything charged on an already-owned credit line does not go through a credit check. As others have stated, this is the credit card company's fraud alert system.

gsdoc
by gasdoc
Fri Oct 06, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 5239

Re: Anyone go 100% Ally or another online bank for all banking needs?

I believe lots of people are now going 100% online banking- wonder if anyone has ever done it and had a problem....

gasdoc
by gasdoc
Fri Oct 06, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3463

Re: Cash in a local bank or credit union

Could you envision a situation where you would need a relatively large amount of cash without the ability to wait the 48 hours required for a transfer from CapitolOne360? Do you have one in mind? I am having difficulty imagining one. I assume you are saying I could not use a credit card or personal...
by gasdoc
Thu Oct 05, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3463

Re: Cash in a local bank or credit union

the account sits with the only activity being Ally Bank transferring in $.25 (twenty-five cents) and withdrawing 11 and 14 cents monthly, to avoid the account being tagged inactive. Just curious - why these odd amounts and so many transactions? I just setup auto ACH transfers of $0.10 back and fort...
by gasdoc
Thu Oct 05, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 5239

Re: Anyone go 100% Ally or another online bank for all banking needs?

I'll ask the question from the other direction. I understand the allure of simplification, but is it really that big a problem to keep the CU account open? I have kept my CU membership even though I do almost all of my banking online. There are no fees of any kind and it is < 1 mile from my house. ...
by gasdoc
Wed Oct 04, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3463

Re: Cash in a local bank or credit union

I keep $5.00 because it's a nice round number. Every dollar I keep locally at at .1% or less interest is a dollar that isn't at Ally making 1.2% or 1.5%. Midareff, do you find it at all embarrassing to go into the branch knowing they are looking at your $5 balance? I went into our CU to add my wife...
by gasdoc
Wed Oct 04, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3463

Re: Cash in a local bank or credit union

Thanks, Folks, My post is specifically for those people that do the majority of their "banking" via a remote, internet location, and keep a local bank for emergencies. How much cash do you keep in the local bank for emergency purposes? Thanks! (All responses are appreciated, by the way.) gasdoc
by gasdoc
Tue Oct 03, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3649

Re: Equifax to offer free “credit freeze” for life

mhalley wrote:
Tue Oct 03, 2017 6:30 pm
The nyt link above is not working for me. I will post a link to the same article I think
https://www.nytimes.com/2017/09/27/your ... ology.html
Just read the NYT article. I am losing my enthusiasm.

Gasdoc
by gasdoc
Tue Oct 03, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3649

Re: Equifax to offer free “credit freeze” for life

Thank you for posting this. I’ll be watching to see if their lock is the same as a freeze.

Gasdoc
by gasdoc
Tue Oct 03, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3463

Re: Cash in a local bank or credit union

Thanks, everyone. So far, I hear two weeks (livesoft) to four weeks (Watty) of expenses at the local bank. My $1K seems pretty meager to me now. I have already answered the question of whether to keep a local credit union in an earlier thread (the answer was yes). Number of weeks of expenses is prob...
by gasdoc
Tue Oct 03, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3463

Cash in a local bank or credit union

Hi, folks, Recently I decided to keep open an account in a local credit union, even though we do most of our banking online (CapitalOne360). I have searched earlier Bogleheads posts, and have not found a good conversation about home much cash folks keep in a local bank or credit union. We are consid...