Search found 1420 matches

by gasdoc
Sat May 19, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 23
Views: 2937

Re: Should I have my new garage floor coated with Epoxy?

We had this done in a rental home in Florida. There is not a mark on the floor that does not clean up easily. We will now do this on any new home we purchase (hoping not too many more!).

gasdoc
by gasdoc
Sat May 19, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2533

Re: Any experience with Blue Apron?

My wife says "Hello Fresh" meals are easier to prepare, and are more basic, while tasting great. She prefers it to "Blue Apron," which we have also used.

gasdoc
by gasdoc
Sat May 19, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 5854

Re: Would you send your children to private school in my situation?

Our only daughter is the product of a private middle and high school. She and her friends started at a small Montessorri school in our town. At fifth grade, they split, some going public, while our daughter and some others went to a different private school. All were able to stay in touch through cl...
by gasdoc
Fri May 18, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Employ a daughter who in turn volunteers?
Replies: 18
Views: 1249

Re: Employ a daughter who in turn volunteers?

Is volunteering in the research lab useful to her? For example will she learn something or acquire useful contacts? If yes, I would not mess with trying to finagle things financially and just let her enjoy her 2-3 month job. If no, I would have her look for a paying job instead. Yes, this is extrem...
by gasdoc
Thu May 17, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Employ a daughter who in turn volunteers?
Replies: 18
Views: 1249

Re: Employ a daughter who in turn volunteers?

It’s quite common in banking to pay employees to volunteer to enhance the image of the bank. I’m afraid the family relationship and the likely lack of any substantial duties would probably negate this as a legitimate business expense. Gill Gill, you are probably correct. Certainly not worth a famil...
by gasdoc
Thu May 17, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Employ a daughter who in turn volunteers?
Replies: 18
Views: 1249

Re: Employ a daughter who in turn volunteers?

Is volunteering in the research lab useful to her? For example will she learn something or acquire useful contacts? If yes, I would not mess with trying to finagle things financially and just let her enjoy her 2-3 month job. If no, I would have her look for a paying job instead. Yes, this is extrem...
by gasdoc
Thu May 17, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Employ a daughter who in turn volunteers?
Replies: 18
Views: 1249

Re: Employ a daughter who in turn volunteers?

There is some precedent for paying employees to volunteer https://workology.com/the-benefits-of-paying-employees-to-volunteer/ https://www.google.com/amp/s/www.forbes.com/sites/robdube/2017/12/07/why-paying-employees-to-volunteer-is-good-for-business/amp/ I’d talk to accountant or attorney knowledg...
by gasdoc
Thu May 17, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Employ a daughter who in turn volunteers?
Replies: 18
Views: 1249

Re: Employ a daughter who in turn volunteers?

Gill wrote:
Thu May 17, 2018 4:48 pm
None of that will fly. She is not your employee. Also, such an arrangement with a university is not deductible.
Gill
Thanks, Gill. Maybe if I employed her to do work for me- scheduling or that sort of thing- and also pay her to volunteer?

gasdoc
by gasdoc
Thu May 17, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Employ a daughter who in turn volunteers?
Replies: 18
Views: 1249

Re: Employ a daughter who in turn volunteers?

Could we instead pay her an hourly wage as a 1099 independent contractor, and ask her to volunteer at the research lab? Sounds like tax evasion since she is not actually working for you. Could we then issue her a 1099 at the end of the summer, this "earned income" qualifying her to contribute to a ...
by gasdoc
Thu May 17, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Employ a daughter who in turn volunteers?
Replies: 18
Views: 1249

Employ a daughter who in turn volunteers?

This is a 1099 question and a Roth IRA question. Our daughter has chosen to volunteer in a research lab this summer instead of working a "real" summer job. We will be supporting her during the summer as we do the rest of the year while she is a student. Could we instead pay her an hourly wage as a 1...
by gasdoc
Wed May 16, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: What exactly causes a spring mattress to wear out?
Replies: 14
Views: 1270

Re: What exactly causes a spring mattress to wear out?

Probably "heavy" sleepers. We are small people and have never really had a mattress actually wear out. We just eventually replace it just for the heck of it. We buy plain, no pillow pad, spring mattresses.

gasdoc
by gasdoc
Wed May 16, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 132
Views: 6937

Re: how do you tip on wine at a restaurant

15-20% on the total bill. Interesting question.

gasdoc
by gasdoc
Mon May 14, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity purchased with 401k money
Replies: 6
Views: 834

Re: Annuity purchased with 401k money

If I purchase a fixed immediate annuity with money currently in my 401k, say for $100,000, do I have to pay tax on the $100,000 as a 401k withdrawal, or do I just pay income tax on the monthly income generated from the annuity? Potentially you could do it either way. Method 1) Take a taxable distri...
by gasdoc
Mon May 14, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity purchased with 401k money
Replies: 6
Views: 834

Re: Annuity purchased with 401k money

If I purchase a fixed immediate annuity with money currently in my 401k, say for $100,000, do I have to pay tax on the $100,000 as a 401k withdrawal, or do I just pay income tax on the monthly income generated from the annuity? Potentially you could do it either way. Method 1) Take a taxable distri...
by gasdoc
Mon May 14, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5042

Re: Buying land in central FL

PoppyA wrote:
Sun May 13, 2018 6:38 pm
Central Florida real estate is red hot? News to me and I live there....
Only if you count 'The Villages" retirement area....

gasdoc
by gasdoc
Mon May 14, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Do I Still Need Disability Insurance
Replies: 6
Views: 503

Re: Do I Still Need Disability Insurance

Yes, I believe you still need disability insurance. You are not financially independent at current expenses, and having your wife go back to work on a full time basis involves a significant standard of living change with two kids. As an aside, our annual expenses skyrocketed as our child became an o...
by gasdoc
Mon May 07, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Las Vegas shows
Replies: 22
Views: 2031

Re: Las Vegas shows

We have liked the various Cirque Du Soleil (spelling?) shows, some of them mentioned above.

gasdoc
by gasdoc
Mon May 07, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 5921

Re: When to buy new underwear?

I agree with the part about when they fade, the elastic band wears out, or they develop holes, I get new ones. I am the same with exercise / every day wear socks. I do differ with the folks here in that I buy them in bulk from Amazon- all the same- and all at the same time. I throw out the whole bat...
by gasdoc
Tue May 01, 2018 6:36 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

This is a remarkable thread - I've never encountered a Bogleheads thread with such a wide variety of often conflicting recommendations. Comments: Checking in daily is normal and seems reasonable to expect. People three times their age are often expected to check in daily, too. But today they're mor...
by gasdoc
Mon Apr 30, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

This is the OP. Thanks for all the comments and suggestions. I am making notes. And I am certainly feeling better about the whole deal from reading your comments.

gasdoc
by gasdoc
Mon Apr 30, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

I am a female road warrior and solo hiker. I've been criss-crossing America in my car for many decades. I've no doubt both your daughter and her friend are familiar with all the "Stranger Danger" rules. Great joys of traveling are interacting with new people and receiving the kindness of strangers ...
by gasdoc
Mon Apr 30, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Buy them one of those AAA or Rand McNally road atlases that show the interstate system for the entire country and then invividual pages for each state. They can mark out their route with highlighter on the country map. Map reading is actually nearly a lost skill among the young. https://www.amazon....
by gasdoc
Mon Apr 30, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

It also occurs to me that since neither can legally buy alcohol or enter a bar there will probably be less alcohol involved on this trip than in their ordinary college life. It has been many decades since that age, BUT never underestimate "creativity" ... It helps that neither girl drinks- and I kn...
by gasdoc
Mon Apr 30, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Toss your checklists in the trash. This is their trip! Let them make the checklists they need. Once you have ensured that they have a reliable vehicle, give them some common sense reminders as they leave (just to make you feel better), and tell them to have a blast! DS and his friends have made at ...
by gasdoc
Mon Apr 30, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

I also recommend making sure both know how to change a tire. Get a breaker bar so they can loosen the lug nuts. They're like $10 at harbor freight. No matter how hard the lugs are on the weakest person can get them off with a breaker bar. AAA is great...but like others said...they wont have cell se...
by gasdoc
Mon Apr 30, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

I'd be curious which of the items listed above by Grt2BOutdoors they have come up with on their own. I'd approach it like "Alright, walk me through the entire trip and how you plan to stay safe, what you're bringing with you, etc." - this would give you a good idea of how far in advance they've tho...
by gasdoc
Mon Apr 30, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Ensure that they 100% finance the trip from their summer job earnings. Yes. But thinking about giving them a financial "gift" at the last minute- just so they don't have to take unnecessary risks if unplanned circumstances arise. Haven't decided yet though- they will each have an emergency credit c...
by gasdoc
Mon Apr 30, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Check tires for proper treadwear Inflate tires to proper levels A can of Flat-Fix; never used it but if in a pinch may come in handy Keep a pair of jumper cables, just in case. A tire jack and lug wrench. I always keep a quart of motor oil in the car and a roll of shop towels or paper towels. Swiss...
by gasdoc
Mon Apr 30, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

quantAndHold wrote:
Mon Apr 30, 2018 10:53 am
Is this the kid that isn’t getting her inheritance until age 35 or 50 or something? I think I see a pattern...

Tell her to have a good time. And take lots of pictures.
:happy


gasdoc
by gasdoc
Mon Apr 30, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Ensure that they 100% finance the trip from their summer job earnings. Yes. But thinking about giving them a financial "gift" at the last minute- just so they don't have to take unnecessary risks if unplanned circumstances arise. Haven't decided yet though- they will each have an emergency credit c...
by gasdoc
Mon Apr 30, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Man, some of these replies make it seem like they're driving through a 3rd world country. Special devices that send an SOS signal when there's no cell service? GPS tracking apps? What's next, a shotgun and a set of crutches? As a pair of 19 year old college girls who have already lived on their own...
by gasdoc
Mon Apr 30, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Are they friends or are they a romantic couple ("girlfriend" could have different meanings in this context)? If the latter, there are certain parts of the country where same-sex public displays of affection can actually put a couple into a dangerous situation. It's not right, but it is an unfortuna...
by gasdoc
Mon Apr 30, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

The cell phone coverage is something I have thought about. Will a stand-alone GPS unit work in those areas? Good ideas about bringing bottles of water and bars of some kind. Reminding them to keep gas in the tank is a good idea. Thanks!

gasdoc
by gasdoc
Mon Apr 30, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

mak1277 wrote:
Mon Apr 30, 2018 9:40 am
Make sure they're taking a reliable vehicle and know basic car maintenance (at least how to jump it and change a tire).
They have a reliable vehicle, loaned by one of the dads, and our daughter is a member of AAA because she drives 3 hours home from school.

gasdoc
by gasdoc
Mon Apr 30, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Glockenspiel wrote:
Mon Apr 30, 2018 9:32 am
Only advice should be to gift them a can of pepper spray, never leave your drink unattended, have fun, and live without regret.
I "gifted" pepper spray at the beginning of the school year.

gasdoc
by gasdoc
Mon Apr 30, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8438

Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Our daughter and her friend, both having just finished their freshman year of college, are planning a summer road trip. They are driving from the eastern U.S. to the western U.S., spending time in Southern Utah, Grand Canyon and other stops. Their main activities will be sight seeing and hiking. The...
by gasdoc
Sun Apr 29, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: When would you replace a car?
Replies: 34
Views: 2951

Re: When would you replace a car?

I can't believe there is so much debate over replacing a car with $200K miles on it which also no longer meets your needs. I would splurge on a good quality used car that fits your (revised) budget. With a baby on the way, you really need two reliable cars. gasdoc No "debate" about replacing the ca...
by gasdoc
Sun Apr 29, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 4858

Re: Maple syrup

Pure Maple, Grade B, Amazon.

gasdoc
by gasdoc
Sun Apr 29, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: When would you replace a car?
Replies: 34
Views: 2951

Re: When would you replace a car?

I can't believe there is so much debate over replacing a car with $200K miles on it which also no longer meets your needs. I would splurge on a good quality used car that fits your (revised) budget. With a baby on the way, you really need two reliable cars.

gasdoc
by gasdoc
Sat Apr 28, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 4942

Re: Home Theater Stereo/Speakers

Quality sound bar with a wireless sub-bass. Simple, clean and sounds great. This, from somebody that in the past had to have high end home theater. Maybe I am getting older?

gasdoc
by gasdoc
Sat Apr 28, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Billpay from corporate account?
Replies: 3
Views: 432

Re: Billpay from corporate account?

I use Billpay with my corporate account at Vanguard...

gasdoc
by gasdoc
Fri Apr 27, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 13673

Re: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]

But with Saturna Capital, every transaction is a transaction fee. I think I'll leave it $50 short.

gasdoc
by gasdoc
Wed Apr 25, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Using Vanguard’s advisors
Replies: 67
Views: 7091

Re: Using Vanguard’s advisors

I have not seen how "most tax-efficient way" has ever been used by Vanguard when a transfer is done. I have never used PAS, so I don't have direct experience. One friend who was using Vanguard years ago said that they not only kept some of the individual stocks they had transferred in (I assume to ...
by gasdoc
Tue Apr 24, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6253

Re: Structuring Newlywed Finances for Fairness and Less Arguments

My DW doesn't really like to talk about money much, though she is fiscally conservative. All of our money goes in one pot, and we each spend money as we feel the need/wants. I make much more money than she does, but I would hate to divide up the expenses by who makes more. Just doesn't sound good. W...
by gasdoc
Sun Apr 22, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 11243

Re: New retirees: so whatdayathink ?

I was reading this thread to my wife (out loud) and she says, "let's retire today." We have a plan, however, and will stick to the plan. Thanks to everyone contributing to this thread. Great topic, OP!

Gasdoc
by gasdoc
Tue Apr 17, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10015

Re: Got hit with a $2800 Medical bill. Can I negotiate?

When I received my final hospital bill last summer, I called as I knew they offered payment plans with no interest. My MIL paid two of her hospital bills with payment plans. I asked the billing rep, and she said I could use a payment plan, or pay immediately with a 20%-25% discount. I jumped on the...
by gasdoc
Tue Apr 17, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10015

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Call the provider(s) and tell them the situation. They will probably offer to put you on a payment plan with some sort of incentive/discount for prompt payment.

gasdoc
by gasdoc
Tue Apr 17, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: For those that re-invest dividends automatically...
Replies: 15
Views: 2448

Re: For those that re-invest dividends automatically...

Whenever you get a dividend, the share price of your investment drops by the amount of the dividend. The result of reinvesting a dividend is that your overall balance stays the same. Any money you put into your retirement account(s) counts as saving/investing. Any money you take out counts as a wit...
by gasdoc
Mon Apr 16, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Would you switch investment advisor to save $3000+/yr?
Replies: 24
Views: 3419

Re: Would you switch investment advisor to save $3000+/yr?

Thanks for the replies so far. Portfolio value is ~1.3MM. Current advisor does TLH, pre-fills RMD/Roth conversion forms for signature. My father is pretty hands off. He basically does whatever the advisor recommends. In 2008, he never once questioned all the rebalancing to the bottom of the bear ma...
by gasdoc
Fri Apr 13, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: DAF question
Replies: 18
Views: 1234

Re: DAF question

Also, my understanding is that the organization making the donation is officially the DAF, not YOU. YOU donated to the DAF, and now YOU only get to make recommendations as to whom the donations go. My understanding from the Vanguard web site is that Vanguard is not legally required to donate to the ...