Search found 449 matches

by Calico
Thu May 21, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 67
Views: 3251

Re: Do you dislike recurring billing for gyms?

Once gyms reopen, I was going to join LA Fitness. They have pretty good monthly rates, except... Recurring monthly charges must be paid by electronic funds transfer from your checking or savings account or automatic transfer from an accepted credit or debit card. There's no way I'm letting some com...
by Calico
Thu May 21, 2020 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Airline refusing to issue refunds
Replies: 112
Views: 10416

Re: Airline refusing to issue refunds

I had hoped for a refund for myself (my trip to Germany) but I quickly realized that would never happen. I took a look at the flights on United at that time going to and from Germany. One of the legs of my flight was still going strong. The other wasn't there, but there were multiple return flights ...
by Calico
Wed May 20, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13301

Re: Coronavirus Flight Cancel Thread

I guess I can post now (been working on canceling my flight for a while now, about 10 days). I bought my tickets through a friend of mine who was a travel agent. He lost his job (due to staff cuts because of the pandemic) and I had to work with one of his former coworkers to cancel. I tried to cance...
by Calico
Mon May 11, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: post covid 19 office work - was coronavirus a game changer for telecommunting?
Replies: 48
Views: 3650

Re: post covid 19 office work - was coronavirus a game changer for telecommunting?

A bad thing is the link between home and work is blurred for me now. I catch myself looking at my work email in the evenings and such. I also notice my water and electricity usage is up, so maybe that offsets the car savings. Almost certainly not, unless you have crazy electricity prices (New Engla...
by Calico
Mon May 11, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13301

Re: Coronavirus Flight Cancel Thread

I think I saw your post earlier in the thread. Did they give you a travel credit or travel certificate (or did they offer you a choice)? They gave me an Electronic Travel Certificate (ETC) as follows: Travel Certificate Amount $284.30 Expiration date 04/30/2022 PIN [private info] Recipient's name [...
by Calico
Mon May 11, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 452
Views: 15531

Re: Bird watchers – what birds are you seeing?

I am not really much of a bird watcher, but I saw a bald eagle eating a dead deer on the side of the road recently. I had no idea they would eat carrion. Yes, they will eat carrion in the early stages. After a period of time they stop and the vultures take over. I learn something every day! My daug...
by Calico
Mon May 11, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 452
Views: 15531

Re: Bird watchers – what birds are you seeing?

I am not really much of a bird watcher, but I saw a bald eagle eating a dead deer on the side of the road recently. I had no idea they would eat carrion.
by Calico
Mon May 11, 2020 9:37 am
Forum: Personal Finance (Not Investing)
Topic: post covid 19 office work - was coronavirus a game changer for telecommunting?
Replies: 48
Views: 3650

Re: post covid 19 office work - was coronavirus a game changer for telecommunting?

I've been working from home since Mid-March. I love it. I would love to keep doing this and I may be able to in about a year. My goal is, once my daughter is off to college, I can move to a lower cost of living area and still keep my job by telecommuting. My original goal was to move to a lower cost...
by Calico
Sun May 10, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Got divorced how to get most value for exes wedding ring
Replies: 42
Views: 5074

Re: Got divorced how to get most value for exes wedding ring

Don’t know anything about wedding rings. Bought my ex a wedding ring that I paid about 10k 11 years ago. Looking to sell it, how do I go about this? I had a relatively benign divorce. Offered my former husband the ring back. No shouting or nastiness. He declined. Later I realized I'd never wear the...
by Calico
Sun May 10, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13301

Re: Coronavirus Flight Cancel Thread

I have a question for more seasoned travelers. I am pretty sure I am not going to Germany this July with my family at this point. I was taking a wait and see to it all, but things don't seem to be getting better. We are flying to Germany on United and, until May 31, if we cancel we can get travel v...
by Calico
Sun May 10, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13301

Re: Coronavirus Flight Cancel Thread

I have a question for more seasoned travelers. I am pretty sure I am not going to Germany this July with my family at this point. I was taking a wait and see to it all, but things don't seem to be getting better. We are flying to Germany on United and, until May 31, if we cancel we can get travel vo...
by Calico
Thu May 07, 2020 8:43 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13301

Re: Coronavirus Flight Cancel Thread

Thanks for this thread! I have a flight in July to Germany on United that I am waiting on. I really don't want credits or a travel certificate, I rather have a refund, so I am hoping for a cancellation. They just changed my flight to another one, but there is only 5 hours difference. If they change ...
by Calico
Fri Apr 17, 2020 1:40 pm
Forum: Personal Investments
Topic: Am I looking at my asset allocation correctly?
Replies: 3
Views: 264

Re: Am I looking at my asset allocation correctly?

Thank you to both of you for the answers. Is $77k the net amount after the 6.25% penalty? I have a different annuity (SPIA) and I get monthly checks from it so I count my annuity as income and not part of my stock or bond allocation. Why do you want to cash out your annuity? TravelforFun The $77k is...
by Calico
Fri Apr 17, 2020 11:11 am
Forum: Personal Investments
Topic: Am I looking at my asset allocation correctly?
Replies: 3
Views: 264

Am I looking at my asset allocation correctly?

Hello all, Quick recap, I am a single mom, 49 years old. I don't actually plan to retire, but I will probably have to at some point because that's reality. My point is, I don't have a set retirement date. I have a pre-Boglehead annuity that I've been slowly draining down (I can take 10% out a year w...
by Calico
Fri Mar 20, 2020 5:04 pm
Forum: Personal Investments
Topic: Lock loss or ride the wave with 15 years to go?
Replies: 62
Views: 4307

Re: Lock loss or ride the wave with 15 years to go?

I'm very comfortable with taking stock market risk for things > 10 years out. Whether or not you are is something you'll have to answer for yourself. Do you really need ALL of the money in 15 years, or is that simply the beginning of withdrawals that could easily go 15+ years beyond that? It's a di...
by Calico
Mon Mar 16, 2020 8:35 am
Forum: Personal Investments
Topic: Who is continuing to buy as planned?
Replies: 119
Views: 8145

Re: Who is continuing to buy as planned?

I didn't change a thing. Today is the day I buy into index funds for my RothIRA and my "long term" investing and both transactions are still proceeding. I am at least 15 years out from retirement though and that "long term" fund is just $100 a month, nothing I need right away. I have the money I may...
by Calico
Mon Mar 16, 2020 8:27 am
Forum: Personal Consumer Issues
Topic: Less popular but still intersting sites in southern Germany
Replies: 5
Views: 356

Re: Less popular but still intersting sites in southern Germany

jebmke wrote:
Mon Mar 16, 2020 7:46 am
IMO anyone who has an opportunity to visit one of the concentration camps should do so at least once in their life, despite the grim nature of the subject.

Dachau is right outside of Munich.
Dachau is definitely on our list. I think it's important to never forget.
by Calico
Mon Mar 16, 2020 8:25 am
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 25878

Re: Who is staying course and how are you dealing with net worth going down?

I am staying the course and I am dealing with it by doing what I always do, I don't look at the numbers. I will look in the summer when I do my annual rebalance so I am not sure how I will feel then. I was hoping to move to 25/75 or 30/70 this summer, I might be there already.
by Calico
Mon Mar 16, 2020 7:41 am
Forum: Personal Consumer Issues
Topic: Less popular but still intersting sites in southern Germany
Replies: 5
Views: 356

Re: Less popular but still intersting sites in southern Germany

Thanks. I will look into those. I heard Eagle's Nest was a lot of long lines and waiting around too. I had a friend who went there and told me it's not worth the wait, he suggested Zugspitze instead. To give you an idea of what I am thinking about, when I went to England and France with my mom and d...
by Calico
Sun Mar 15, 2020 7:33 pm
Forum: Personal Consumer Issues
Topic: Less popular but still intersting sites in southern Germany
Replies: 5
Views: 356

Less popular but still intersting sites in southern Germany

My daughter was going on a trip this summer for three weeks with her high school band. During that time, I was traveling to Germany with my mom to do our own vacation (and to catch one of my daughter's public concerts in Koblenz). The school trip was cancelled due to Covid-19. So I booked a flight f...
by Calico
Tue Mar 10, 2020 8:14 am
Forum: Investing - Theory, News & General
Topic: Rebalancing these days
Replies: 17
Views: 1100

Re: Rebalancing these days

windaar wrote:
Tue Mar 10, 2020 6:17 am
Just my 2 cents but I rebalance around my birthday every year and not by responding to economic events. Otherwise I'm timing in a way, and watching the Dow too much.
This is what I do as well. I think I would drive myself crazy trying to balance every time the market is up or down.
by Calico
Mon Mar 09, 2020 9:55 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 491
Views: 41534

Re: The Calm Post - Stay the course thread.

I saw this post and wanted to add that I too am not changing anything. I plan to stay the course not only with what I am investing each month for retirement and "long term savings" (which is an index fund too). I also plan to just keep adding to my cash nest egg/savings. My goal is to have a year's ...
by Calico
Sat Feb 15, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Adding child to credit card as authorized user
Replies: 19
Views: 1465

Re: Adding child to credit card as authorized user

You say you only have 2 credit cards. I guess people do that, but why? My recommendation is to apply for another Cap One card. Most of them have sign up bonuses so might as well get that. I'd apply for another card also, AFTER you get the new Cap One card. Just so you've got back up. I'd suggest Di...
by Calico
Sat Feb 15, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Adding child to credit card as authorized user
Replies: 19
Views: 1465

Re: Adding child to credit card as authorized user

I have my teens as authorized users on Capitol One’s Quicksilver. Another excellent perk is that if you see any unauthorized spending occur by your teen, you can go online and “freeze” that card instantly. Always gives me peace of mind to have a backup plan when dealing with teens! This is good to ...
by Calico
Sat Feb 15, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Adding child to credit card as authorized user
Replies: 19
Views: 1465

Re: Adding child to credit card as authorized user

Since it appears you and your child will be traveling in different countries at the same time and both will be accessing the same US bank(?) account for foreign cash from the ATMs, you should check with the bank now to ask if it will be a problem. Besides transactions coming from different location...
by Calico
Sat Feb 15, 2020 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Adding child to credit card as authorized user
Replies: 19
Views: 1465

Re: Adding child to credit card as authorized user

Is the child’s spending through your credit card considered gifts to her for tax purposes? Let’s say her spending exceeds $15k per year. Will you have to file form 709 to the IRS to report this gift? I've never heard of this before. I guess I just assumed that paying the expenses for dependent chil...
by Calico
Fri Feb 14, 2020 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Adding child to credit card as authorized user
Replies: 19
Views: 1465

Re: Adding child to credit card as authorized user

Thank you to both of you :) It sounds like you have a wonderful child and you really can't go wrong. I would lose the credit union. Plenty of ways to get free checking, especially for students, without any headaches that make you want to type 3 paragraphs on the internet about it. Okay, your comment...
by Calico
Fri Feb 14, 2020 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Adding child to credit card as authorized user
Replies: 19
Views: 1465

Adding child to credit card as authorized user

I think I might want to add my 15-year-old daughter as an authorized user to my credit card and I am just trying to decide if I am overlooking something or if there is a pitfall I am not considering. A little history. She is going to Europe this summer with an honor band. It's a three week trip. In ...
by Calico
Mon Jan 27, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Most inexpensive places to buy new cabinets and countertops
Replies: 21
Views: 2466

Re: Most inexpensive places to buy new cabinets and countertops

On the house resell stuff: It's funny that medic posted that people don't look in cabinets and inspect shelves and drawers because I went to an open house in my neighborhood this weekend and I was the only one who did that. There were a lot of people milling around and talking to the realtor, I was ...
by Calico
Sun Jan 26, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Most inexpensive places to buy new cabinets and countertops
Replies: 21
Views: 2466

Re: Most inexpensive places to buy new cabinets and countertops

A few of you brought up quality, and I get it, I usually go for quality for something I plan to keep. If it helps explain things, I don't plan on living in this house more than 6 more years (the plan is to sell and leave the area in either 2 years or 6 years depending on where my daughter ends up go...
by Calico
Sun Jan 26, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: Most inexpensive places to buy new cabinets and countertops
Replies: 21
Views: 2466

Re: Most inexpensive places to buy new cabinets and countertops

Thanks for the tips! I got my first quote and was shocked! I measured everything this morning and went to a big box store. The cabinets themselves weren't too bad, $5300 for plywood (replacement with press-board like I have was $4540). They said they might be able to save the countertops (they are g...
by Calico
Sat Jan 25, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: Most inexpensive places to buy new cabinets and countertops
Replies: 21
Views: 2466

Most inexpensive places to buy new cabinets and countertops

I would appreciate any advise on the best places to go to get low prices on kitchen cabinets and countertops (and have them installed). Today I gave my kitchen a good cleaning and I noticed that the condition of my cabinets is deteriorating. They are builders grade, 35 years old, and the press-board...
by Calico
Sun Jan 12, 2020 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Need ideas on what to do with deferred income to reduce EFC for college
Replies: 29
Views: 1424

Re: Need ideas on what to do with deferred income to reduce EFC for college

Calico, my question now is: Are you on track for retirement? Because if you aren't, you shouldn't be entertaining any of these ideas of how to pay for your daughter's college. I think I am. I won't be a millionaire upon retirement, but I will be okay. I currently save as much as I can, sort of. Tec...
by Calico
Sun Jan 12, 2020 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Need ideas on what to do with deferred income to reduce EFC for college
Replies: 29
Views: 1424

Re: Need ideas on what to do with deferred income to reduce EFC for college

When my dad died, a trust was set up for me, my brother, and my mother. My mom controls it. She allocates $15k a year each to me and my brother. That money counts "against me" when it comes to my daughter getting financial aid. It's part of my income. Playing around with a FAFSA calculator, I disco...
by Calico
Sun Jan 12, 2020 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Need ideas on what to do with deferred income to reduce EFC for college
Replies: 29
Views: 1424

Re: Need ideas on what to do with deferred income to reduce EFC for college

The issue I am running into is if colleges lower costs with "aid" that could already include the loans to $20k (roughly) and I can only afford $15k, what do I do? Get a home equity line of credit to pay the rest? Stop retirement savings? (someone suggested that higher up and that would free up mone...
by Calico
Sun Jan 12, 2020 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Need ideas on what to do with deferred income to reduce EFC for college
Replies: 29
Views: 1424

Re: Need ideas on what to do with deferred income to reduce EFC for college

Thanks for the advice. I am just trying to not pay any more than I have to. I've made mistakes in the past surrounding finances (had a planner for a while who talked me into annuities, blindly assumed buying a house is better than renting... although I lucked out on that one, etc). I just don't want...
by Calico
Sun Jan 12, 2020 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Need ideas on what to do with deferred income to reduce EFC for college
Replies: 29
Views: 1424

Re: Need ideas on what to do with deferred income to reduce EFC for college

I'm in this "too rich for much aid" but "too poor to just out and out pay for college" territory. I think you and your daughter can afford college without much trouble. Your daughter could easily get admitted to the University of Virginia, too. I don't see that you have anything to worry about at a...
by Calico
Sun Jan 12, 2020 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Need ideas on what to do with deferred income to reduce EFC for college
Replies: 29
Views: 1424

Re: Need ideas on what to do with deferred income to reduce EFC for college

Sigh, thanks for the input. It's just so frustrating. I'm in this "too rich for much aid" but "too poor to just out and out pay for college" territory. It's a weird sort of middle ground. I read information (I have a book and read article online) and they suggest you do these things, lower income, ...
by Calico
Sun Jan 12, 2020 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Need ideas on what to do with deferred income to reduce EFC for college
Replies: 29
Views: 1424

Re: Need ideas on what to do with deferred income to reduce EFC for college

Sigh, thanks for the input. It's just so frustrating. I'm in this "too rich for much aid" but "too poor to just out and out pay for college" territory. It's a weird sort of middle ground. I read information (I have a book and read article online) and they suggest you do these things, lower income, l...
by Calico
Sun Jan 12, 2020 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Need ideas on what to do with deferred income to reduce EFC for college
Replies: 29
Views: 1424

Need ideas on what to do with deferred income to reduce EFC for college

My daughter is a high school sophomore and will most likely go to college in 2.5 years. This is the year where my finances matter for financial aid (spring of sophomore year to fall of junior year from what I've read). So I've been reading and researching ways I can best minimize my expected family ...
by Calico
Fri Jan 10, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Does this sound like a solid idea to pay for college?
Replies: 54
Views: 3969

Re: Does this sound like a solid idea to pay for college?

I wish I could thank everyone personally, but this will have to do. Thank you for all your advise. There are a lot of good tips in the various threads and it has given me a lot more to think about and consider. It's also all reminded me that maybe I am a little too ahead of myself until we narrow do...
by Calico
Fri Jan 10, 2020 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Does this sound like a solid idea to pay for college?
Replies: 54
Views: 3969

Re: Does this sound like a solid idea to pay for college?

I am a single (divorced) mom and the parenting agreement I have with my ex husband ends when our daughter is 18. He's hot and cold about helping pay for college. It's a long story and not relevant aside from I will most likely have to pay for this all on my own. Not intending to open up a long stor...
by Calico
Fri Jan 10, 2020 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Does this sound like a solid idea to pay for college?
Replies: 54
Views: 3969

Re: Does this sound like a solid idea to pay for college?

As others have said, before you dump money into your house, work with your daughter on curating a good list of schools that have solid math programs and prioritizing those that have math-specific scholarships. Particularly look for scholarship programs aimed at women in STEM. Your daughter sounds l...
by Calico
Fri Jan 10, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Does this sound like a solid idea to pay for college?
Replies: 54
Views: 3969

Re: Does this sound like a solid idea to pay for college?

There is some really good advice here based on the information I gave. I feel like perhaps, in my effort to be concise, I left out some things that are impacting answers so I will try to address these. This is a many birds with one stone situation. Thank you also for the advise about setting boundar...
by Calico
Thu Jan 09, 2020 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Does this sound like a solid idea to pay for college?
Replies: 54
Views: 3969

Re: Does this sound like a solid idea to pay for college?

I would also test out working remotely for an extended of period of time prior to jumping all in and selling your house and moving. Never know how it may work out and better to see how it goes. Ali That's a good idea. I did telecommute once for a whole month. But it was kind of a weird situation an...
by Calico
Thu Jan 09, 2020 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Does this sound like a solid idea to pay for college?
Replies: 54
Views: 3969

Re: Does this sound like a solid idea to pay for college?

Our health insurance is also Kaiser and there is no Kaiser facility near my mom's. So doctor's visits are a long ride too. Are you sure there are no options for employees who don't live in a county/zip code covered by Kaiser? A 2.5 hour drive to get medical care is not good. Companies I have worked...
by Calico
Thu Jan 09, 2020 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Does this sound like a solid idea to pay for college?
Replies: 54
Views: 3969

Re: Does this sound like a solid idea to pay for college?

1. Definitely apply to private schools. 2. Carefully look into what a math major leads to. Applied math etc. may be closer to her real interests and may offer excellent job options, even at the BS level. A major in pure math is for people who prove theorems. Thanks! She's interested in may be being...
by Calico
Thu Jan 09, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Does this sound like a solid idea to pay for college?
Replies: 54
Views: 3969

Re: Does this sound like a solid idea to pay for college?

My advice is to not worry at all about all this until your student gets some acceptance to college. I can't help myself, I like to plan. It's probably a mental disorder, haha. Seriously though, we are getting college emails and mail now and, I think, starting next year, my income and savings count ...
by Calico
Thu Jan 09, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Does this sound like a solid idea to pay for college?
Replies: 54
Views: 3969

Re: Does this sound like a solid idea to pay for college?

There are some schools with generous merit scholarships. University of Alabama is one. I’m not sure what the current criteria is, but in the past it was a high school GPA of 3.5 and a 32 on the ACT. A highly motivated HS sophomore who really likes math has a good shot to get that score. It is a ful...
by Calico
Thu Jan 09, 2020 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Does this sound like a solid idea to pay for college?
Replies: 54
Views: 3969

Re: Does this sound like a solid idea to pay for college?

In state is cheaper, but the catch is I can't move. You would need to check but she may be able to go to the in state school with instate tuition based on her dad living in the state. It would be good to look into how that works if she graduates from an in state high school then you move away, she ...