Search found 2400 matches

by Carefreeap
Wed Nov 14, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Dentists/Dental Professionals: Front Crowns?
Replies: 19
Views: 1293

Re: Dentists/Dental Professionals: Front Crowns?

OK Booked my "Second Opinion". No charge for the appt. This is with a dentist my friends have used. Both Drs have been at this location for 10+ years.
by Carefreeap
Wed Nov 14, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Dentists/Dental Professionals: Front Crowns?
Replies: 19
Views: 1293

Re: Dentists/Dental Professionals: Front Crowns?

I might get a second opinion, but it will be a cold day in hell that I have crowns put on basically healthy teeth. I've had a lot of dental work over decades and I have never heard of what he told you. How is it even possible to wear the backs of the front teeth. Easy, first things comes to mind is...
by Carefreeap
Wed Nov 14, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Dentists/Dental Professionals: Front Crowns?
Replies: 19
Views: 1293

Re: Dentists/Dental Professionals: Front Crowns?

Do you want them replaced? Are you having any symptoms? If the answer to these 2 questions are no and the only reason he gave you was "wear" then I would continue about your life like you were. You likely have met a young dentist who lives in a high cost of living area, new to practice, probably ha...
by Carefreeap
Wed Nov 14, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Dentists/Dental Professionals: Front Crowns?
Replies: 19
Views: 1293

Re: Dentists/Dental Professionals: Front Crowns?

Hi Everyone, I was at the dentist last Thursday and he recommended two front crowns due to excessive wear at a total cost of $3,200 (SF Bay Area). He is a new dentist to me practicing at a practice which seems to churn through dentists. I hate to be skeptical but no one has commented on my excessiv...
by Carefreeap
Wed Nov 14, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Dentists/Dental Professionals: Front Crowns?
Replies: 19
Views: 1293

Re: Dentists/Dental Professionals: Front Crowns?

I might get a second opinion, but it will be a cold day in hell that I have crowns put on basically healthy teeth. I've had a lot of dental work over decades and I have never heard of what he told you. How is it even possible to wear the backs of the front teeth. Easy, first things comes to mind is...
by Carefreeap
Wed Nov 14, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Dentists/Dental Professionals: Front Crowns?
Replies: 19
Views: 1293

Re: Dentists/Dental Professionals: Front Crowns?

I don’t know about the need for the work but the price seems excessive to me. Course you are in a hcol area. What does excessive wear even mean? Do they look normal, no pain etc? The fronts look normal. Dentist is claiming that the backs are showing excessive wear. I got grilled about chewing ice o...
by Carefreeap
Wed Nov 14, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Dentists/Dental Professionals: Front Crowns?
Replies: 19
Views: 1293

Dentists/Dental Professionals: Front Crowns?

Hi Everyone, I was at the dentist last Thursday and he recommended two front crowns due to excessive wear at a total cost of $3,200 (SF Bay Area). He is a new dentist to me practicing at a practice which seems to churn through dentists. I hate to be skeptical but no one has commented on my excessive...
by Carefreeap
Mon Nov 05, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Antique Dealers-Baby Sterling Silver Items
Replies: 5
Views: 633

Re: Antique Dealers-Baby Sterling Silver Items

Silk McCue wrote:
Mon Nov 05, 2018 8:43 pm
My experience is that they don’t have marketable value beyond scrap.

Cheers
Thanks for your response. What is your experience? Are you a dealer or did you have experience clearing out a relative's home?
by Carefreeap
Mon Nov 05, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Antique Dealers-Baby Sterling Silver Items
Replies: 5
Views: 633

Antique Dealers-Baby Sterling Silver Items

More of my decluttering campaign... DH is an only child and we have no children. We are interested in how best to dispose of sterling silver baby items from both his father (1936) and him (1958). Some of these items are engraved with their initials. Is there a market for these kinds of items or shou...
by Carefreeap
Mon Nov 05, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Antique Book Lovers; Tell me about 1st Editions
Replies: 3
Views: 482

Re: Antique Book Lovers; Tell me about 1st Editions

I won't take the time to look them up myself, but by going to abebooks.com and searching only for first editions, if you find it, you can get a ballpark idea of what dealers are selling them for. You can go to eBay, and--I caution you to search only for finished auctions--if you find it, you can ge...
by Carefreeap
Mon Nov 05, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Antique Book Lovers; Tell me about 1st Editions
Replies: 3
Views: 482

Antique Book Lovers; Tell me about 1st Editions

Hi All, We are unpacking a storage garage full of stuff both we and our families have collected over the years. My husband's family were great readers and someone managed to collect some first editions. Yesterday I found a first edition of "Roughing It" by Mark Twain dated 1888. It's got the classic...
by Carefreeap
Tue Oct 23, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Implications of a (very) Appreciated House
Replies: 19
Views: 2129

Re: Tax Implications of a (very) Appreciated House

So if you sold the house the same year she went into care, at least you would have a lot of medical tax deductions to help offset her capital gains. We don't have enough information (i.e. when her husband died and what the value of the house was at that point), but we are thinking that if it was fa...
by Carefreeap
Mon Oct 22, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Implications of a (very) Appreciated House
Replies: 19
Views: 2129

Re: Tax Implications of a (very) Appreciated House

Frisco Kid wrote:
Mon Oct 22, 2018 6:46 pm
California is a community property state, have been told that would mean your MIL receives a step up in basis upon her husbands death. Can others verify?
Probably but it will depend on how title is held.
by Carefreeap
Sat Oct 13, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare premiums will be down an average of 1.5 percent next year
Replies: 39
Views: 4073

Re: Obamacare premiums will be down an average of 1.5 percent next year

Take this distribution. Bottom 1/3 are below average health, middle 1/3 average, and top 1/3 above average. I stand by my statement that the top 2/3 should self ensure. Paying for insurance for these folks is a terrible financial decision. I'm not really sure how the distribution helps an individua...
by Carefreeap
Fri Oct 12, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare premiums will be down an average of 1.5 percent next year
Replies: 39
Views: 4073

Re: Obamacare premiums will be down an average of 1.5 percent next year

"Much of the drop is due to companies raising premiums too much in 2018, experts say, " https://www.nbcnews.com/politics/politics-news/obamacare-premiums-will-be-down-average-1-5-percent-next-n919051?cid=sm_npd_nn_fb_ma If it weren't so ridiculous, it would be funny. I just received a letter from H...
by Carefreeap
Mon Oct 01, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13837

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

Save aggressively in your 20s / 30s, and you should be able to file your last TPS report in your 40s. Enter the workforce as soon as possible to be able to take advantage of tax advantaged accounts and start building seniority (ie more vacation)/experience. It seems like that every "become a millio...
by Carefreeap
Sat Sep 22, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Trustee for sixty something sister
Replies: 22
Views: 2185

Re: Trustee for sixty something sister

This works because the beneficiary, having been dependent throughout life accepts this role. If the beneficiary wanted to take control or was torturing me with incessant requests for more money I would bail out and hire a corporate trustee. I don't do that know because the demands in my time are ma...
by Carefreeap
Fri Sep 21, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Trustee for sixty something sister
Replies: 22
Views: 2185

Re: Trustee for sixty something sister

What a terrible situation your dad put you in. What are the options for the second successor Trustee should you resign? Some people on this Board have explored using Vanguard as a Trustee. You might use the Google Search button and see what other people have found. Based on my DH's family experience...
by Carefreeap
Fri Sep 21, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: What is the process for Trustee to sell house?
Replies: 11
Views: 733

Re: What is the process for Trustee to sell house?

Based on my experience in CA, as successor Trustee, I followed the process you described. Have you checked with the beneficiaries to ensure that none of them want to buy the house from the other heirs? Trustee' here in CA usually convey title via a Quitclaim Deed or Grant Deed. Yes, all beneficiari...
by Carefreeap
Fri Sep 21, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: What is the process for Trustee to sell house?
Replies: 11
Views: 733

Re: What is the process for Trustee to sell house?

Based on my experience in CA, as successor Trustee, I followed the process you described. Have you checked with the beneficiaries to ensure that none of them want to buy the house from the other heirs? Trustee' here in CA usually convey title via a Quitclaim Deed or Grant Deed. I would consult with ...
by Carefreeap
Thu Sep 20, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle huge medicare/medicaid premium increases at age 65?
Replies: 19
Views: 3559

Re: How to handle huge medicare/medicaid premium increases at age 65?

You really need to talk with a California based elder care attorney who can help you structure a plan. Here's an article that may help you understand why Medicaid (Medi-cal) is structured the way it is. The recent Medicaid expansion is the reason low income people under 65 have access to taxpayer fu...
by Carefreeap
Thu Sep 20, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11789

Re: Did you really have something to retire to?

Golf maniac wrote:
Wed Sep 19, 2018 4:08 pm


Also, it is important to not do what your DW does and follow her around. You need your own activities and things to do. That is a key part of keeping the peace..lol
You forgot to add "and tell her how to do what she's been doing for most of her life "better" aka your way. :oops:
by Carefreeap
Thu Sep 20, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11789

Re: Did you really have something to retire to?

I retired specifically to complete a singlehanded sailboat race from San Francisco to Hawaii. That was my entire plan for things to do. Money is not a big issue for us. I spent the last two years after that race getting ready for the next race which I just completed. This kept me busier than a one ...
by Carefreeap
Wed Sep 19, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages - Pros, Cons
Replies: 55
Views: 3992

Re: Reverse Mortgages - Pros, Cons

Ask him/her to redo the plan without the reverse mortgage. I would leave that as a last resort. +1 One problem with people taking a reverse mortgage when they are relatively young is that it can defer people having to cut back on a lifestyle that they really cannot afford. Including no or low equit...
by Carefreeap
Wed Sep 19, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Dad Died - Handling Mom's Finances
Replies: 17
Views: 2407

Re: Dad Died - Handling Mom's Finances

Are you living with your mom?

Do you have other siblings?
by Carefreeap
Sun Sep 16, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: First Week of January West Coast Travel Options
Replies: 8
Views: 610

Re: First Week of January West Coast Travel Options

Another vote for HI although if she had already been I'd say explore resort areas in Mexico. Many places are safe. If you do go to HI for a week I'd suggest limiting the visit to no more than two islands. I really loved Kauai for it's natural beauty and hiking opportunities. I have never liked Oahu'...
by Carefreeap
Sun Sep 02, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Sell house before exclusion expires?
Replies: 8
Views: 1021

Re: Sell house before exclusion expires?

Could you explain your 8 year timeline? As I understand it, the exclusion is two out of the last 5 years. Depending on where you are in the country I think we may have hit our market peak. Even in the crazy Bay Area real estate market we are finally seeing some price reductions. Taxes might be the l...
by Carefreeap
Sat Sep 01, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Let a property management company to manage your house?
Replies: 10
Views: 1639

Re: Let a property management company to manage your house?

Fees are typical. My property manager used to charge 10% of rent, but did not charge extra for marketing. They also offered "eviction insurance " for an extra fee . I said "used to" because I was very happy when we finally sold the house after renting for 4 years. Worst part was dreading any email ...
by Carefreeap
Sat Sep 01, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Working for a municipality
Replies: 26
Views: 2498

Re: Working for a municipality

I look on my middle-level job working for a local transit district as mostly positive. I also think I'm a much better person having that opportunity vs just working private sector. Some lessons I learned: Money is important but it isn't always the driver. How things "look" is very important. Politic...
by Carefreeap
Sat Sep 01, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Using your home as old age care self-insurance?
Replies: 74
Views: 5889

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

We plan to die at home. If we sell while living, then what would we do? :oops: That would bring its own set of complications. Well you could get a reverse mortgage which would effectively tap the equity of your home to pay for your care. That said, there's a time when it's time to go to the home. B...
by Carefreeap
Thu Aug 30, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to Sell Antiques?
Replies: 15
Views: 1692

Re: How to Sell Antiques?

I have heard it said that sometimes museum curators will express options- not on price, but on significance. I rather suspect they hate doing this. Your comment is timely and earlier today I got in touch with the Huntington Library in Pasadena. Several years ago we got in touch with them to help us...
by Carefreeap
Thu Aug 30, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to Sell Antiques?
Replies: 15
Views: 1692

Re: How to Sell Antiques?

"The items were on loan to her.........." Are we missing something here? Who actually owns them? Though assumed, is there a paperwork trail establishing provenance? My husband and I own the furniture that is being proposed to sell. When FIL and ex-stepmother split up in the 1990s some furniture was...
by Carefreeap
Wed Aug 29, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to Sell Antiques?
Replies: 15
Views: 1692

Re: How to Sell Antiques?

One thing to understand before you sell them is how much capital gains tax your stepmom will pay on the sale of them. Be sure to also look at what she will pay is state capital gain tax. There are special capital gains tax rules for collectables so be sure to take that into account. If she does not...
by Carefreeap
Wed Aug 29, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to Sell Antiques?
Replies: 15
Views: 1692

Re: How to Sell Antiques?

I grew up selling antiques with my mother and grandmother and I am not saying it is the case here but a lot of folks who aren't familiar with antiques think their stuff is rare and museum quality and it rarely is. I will also say that antiques in general are less popular than they used to be. My mo...
by Carefreeap
Wed Aug 29, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: How to Sell Antiques?
Replies: 15
Views: 1692

How to Sell Antiques?

Hi All, DH's ex stepmother has gone into assisted living and we're getting a small truck load of family antiques. These are truly museum quality pieces from a famous family. What's the best way to do this? Auction house? Antiques dealer? What are the pros, cons and pitfalls? Many thanks for your help!
by Carefreeap
Fri Aug 24, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate in SF bay area
Replies: 26
Views: 2168

Re: Real estate in SF bay area

Since the grandmother is still alive the sale should be between the granddaughter and the grandmother which will preserve the prop 13 status. Let's not over complicate the situation. If the sale of half of the house happens while grandmother is still alive, THAT will make things complicated. A sale...
by Carefreeap
Fri Aug 24, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate in SF bay area
Replies: 26
Views: 2168

Re: Real estate in SF bay area

This topic was the front page story last Sunday in the L.A. Times. The main point of the article was that after prop 13 passed, prop 58 allowed a house to be passed down to the owner's children without a property tax increase. (Later on there was another proposition that passed that allowed generat...
by Carefreeap
Fri Aug 24, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Real estate in SF bay area
Replies: 26
Views: 2168

Re: Real estate in SF bay area

This topic was the front page story last Sunday in the L.A. Times. The main point of the article was that after prop 13 passed, prop 58 allowed a house to be passed down to the owner's children without a property tax increase. (Later on there was another proposition that passed that allowed generat...
by Carefreeap
Thu Aug 23, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 22049

Re: Decent compensation to move to Bay Area CA?

You probably need a household income of $250k+. Is your wife planning to work outside the home? It's unlikely that you can make the numbers work in the short term. You need another reason to move here such as moving closer to family or for professional reasons. I remember when my husband was delight...
by Carefreeap
Thu Aug 23, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or hold for housing crash in Bay Area CA
Replies: 27
Views: 3118

Re: To buy or hold for housing crash in Bay Area CA

I guess I'll stop holding my breath for the big real estate crash that gets me into Atherton...:) The other things that happen to cause that crash could be pretty horrible. Major war, economic crash etc. In retrospect the time to buy in Chelsea or Greenwich Village in New York was in the 1970s when...
by Carefreeap
Thu Aug 23, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate in SF bay area
Replies: 26
Views: 2168

Re: Real estate in SF bay area

I agree that Prop 13 potentially makes this a good rental. Be very careful though to transfer it properly to avoid losing the Prop 13 property tax, especially since this situation seems complicated with multiple owners of different generations. It's a pretty easy process. I did it when I transferre...
by Carefreeap
Thu Aug 23, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate in SF bay area
Replies: 26
Views: 2168

Re: Real estate in SF bay area

Has she owned it long enough to have a low Prop 13 tax assessment? You can look up the tax info here. http://www.sanmateocountytaxcollector.org/SMCWPS/pages/secureSearch.jsp If so, and if it the transfer can be arranged to preserve it, there would be an advantage to this property vs another. IIRC i...
by Carefreeap
Mon Aug 20, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Rental propery - selling owner financed
Replies: 7
Views: 477

Re: Rental propery - selling owner financed

I recently did a seller carryback on a condo I owned primarily for tax reasons. I otherwise would have had a $300k cap gain. Buyers were well qualified and could have gone conventional. I also have known them for 10+ years and we are friends. My note is in second position after a new first TD. I wou...
by Carefreeap
Sun Aug 19, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone been bought out by a developer before?
Replies: 5
Views: 1599

Re: Has anyone been bought out by a developer before?

These development deals don't have to be a direct and immediate buyout process. I had an elderly aunt who lived in a house a block away from a large hospital. One days she had a visitor at her front door who offered her X amount of dollars for an option for Y amount of years to get the first right(...
by Carefreeap
Wed Aug 08, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 7498

Re: "Skin in the game"

Interesting post. Thanks for sharing. Many similarities to my story. I never really forgave my father for being so “ignorant” about education in general and my education in particular. I think he probably got his attitude from his father. Quite surprising because his father was an immigrant and imm...
by Carefreeap
Tue Aug 07, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 7498

Re: "Skin in the game"

There are many on this board who vehemently claim that it's important for your kid to have skin in the game - that if you don't make your kid pay for at least some of college they will somehow fail to succeed. I see this stated so often, but rarely do those people concede that college funding shoul...
by Carefreeap
Mon Aug 06, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Strategies for Selling a Rental Property - Not Section 1031 Eligible
Replies: 11
Views: 850

Re: Tax Strategies for Selling a Rental Property - Not Section 1031 Eligible

I don't think you're going to have that big of a capital gain to get involved with some higher risk schemes. If you do actually sell for $250k you still will reduce your gain by sales and fix up costs, say for planning purposes 10% of the sales cost or $25k. Your carry forwards of $50k are going to ...
by Carefreeap
Mon Aug 06, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: What prevents residential real estate buyers from colluding to bring down prices?
Replies: 32
Views: 2712

Re: What prevents residential real estate buyers from colluding to bring down prices?

Depends. In CA and many other states most buyers are represented by buyer's agents who are contractually working for the fiduciary interest of the buyer. In theory. In practice, buyer's agents get paid more if: 1) The sales price is higher 2) More transactions close quicker. They basically egg buye...
by Carefreeap
Sun Aug 05, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: What prevents residential real estate buyers from colluding to bring down prices?
Replies: 32
Views: 2712

Re: What prevents residential real estate buyers from colluding to bring down prices?

Seems like it would be much easier for sellers to collude. There are a limited number, and they are easier to identify. Ensuring collective action between an unknown and uncapped number of unidentified potential buyers, with the game-theoretic incentive to defect, seems tricky. Indeed. And real est...