Search found 559 matches
- Sun Mar 24, 2024 10:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medical insurance question
- Replies: 4
- Views: 523
Medical insurance question
I had a minor surgery last year, went fine. Insurance covered it. Now I received a letter in the mail from the insurance company/subrogation company asking me to certify it was really me that had the procedure and asking questions. I would rather not bother with this. I had already put it out of my mind and don't want to think about it. Can this be ignored, or is it typical and I should respond?
- Fri Feb 16, 2024 11:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: 14%+ Used Car Loan
- Replies: 44
- Views: 3542
Re: 14%+ Used Car Loan
If there's a Hertz car sales nearby, he should be able to find a decent car for less than 15k, not as nice and higher miles but maybe good enough. I would lean that way before going into debt at 14%.
- Mon Feb 12, 2024 10:06 pm
- Forum: Personal Investments
- Topic: should i pay off a car at 1.9% or invest in a cd at 5.5%
- Replies: 67
- Views: 6385
Re: should i pay off a car at 1.9% or invest in a cd at 5.5%
The CD interest in a taxable account will be taxable so need to factor that in when you compare. Personally I would just pay off the car and not have to think about it any more.
- Sat Feb 10, 2024 10:02 pm
- Forum: Personal Investments
- Topic: Should my 21-year old nephew fire his financial advisor?
- Replies: 99
- Views: 10825
Re: Should my 21-year old nephew fire his financial advisor?
OP said the current balance is $294,000. It would be interesting to know the starting date and amount of this inheritance (before this thief got involved).
- Sat Feb 10, 2024 9:43 pm
- Forum: Investing - Theory, News & General
- Topic: Ashwath Damodaran on the S&P 500
- Replies: 15
- Views: 3537
Re: Ashwath Damodaran on the S&P 500
Nobody knows nothin'. (But I enjoyed hearing his presentation.) I have confidence that my stock index funds will capture the next magnificent companies in the coming years.
- Fri Feb 09, 2024 12:08 am
- Forum: Personal Finance (Not Investing)
- Topic: Both spouses taking Social Security at 62
- Replies: 9
- Views: 2566
Both spouses taking Social Security at 62
If we assume two spouses are same age;
Spouse A worked many years in US, but Spouse B did not work in the US at all, nor pay into Social Security;
Social Security website says Spouse A's payout would be $2000 per month if Spouse A claims at 62;
If Spouse A claims at 62, could Spouse B also claim at 62 (same year), and if so, how much could Spouse B receive? Under these assumptions, would it be 50% of Spouse A, i.e., $1,000?
Neither A nor B wishes to claim later than 62
Spouse A worked many years in US, but Spouse B did not work in the US at all, nor pay into Social Security;
Social Security website says Spouse A's payout would be $2000 per month if Spouse A claims at 62;
If Spouse A claims at 62, could Spouse B also claim at 62 (same year), and if so, how much could Spouse B receive? Under these assumptions, would it be 50% of Spouse A, i.e., $1,000?
Neither A nor B wishes to claim later than 62
- Sun Feb 04, 2024 1:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Recently laid off from FAANG, should I go work for a non-profit or try to stay?
- Replies: 65
- Views: 9320
Re: Recently laid off from FAANG, should I go work for a non-profit or try to stay?
Keep aiming for FAANG while you still can. The non profit jobs will be there later.
- Fri Feb 02, 2024 10:06 pm
- Forum: Personal Consumer Issues
- Topic: Emergency minivan replacement
- Replies: 29
- Views: 2899
Re: Emergency minivan replacement
I keep cars a long time too, but in this case I would get a new one and take great care of it. Your family will get great use of it.
- Tue Jan 30, 2024 7:37 pm
- Forum: Personal Investments
- Topic: Changing I bond registration in gift box
- Replies: 6
- Views: 922
Re: Changing I bond registration in gift box
Thanks for confirming what I had suspected. It will be ok.RubyTuesday wrote: ↑Tue Jan 30, 2024 6:59 amYou cannot change registration of bonds in gift box. The registration can be changed by the owner AFTER delivery of the gift.renter wrote: ↑Tue Jan 30, 2024 12:55 amThanks. I have created a new registration. How do I assign the gift to the new registration? Can it be done online?RyeBourbon wrote: ↑Mon Jan 29, 2024 11:02 pm I believe you need to create a new registration, then assign it to the bonds.
Hopefully the future recipient will be amenable to changing the beneficiary!
- Tue Jan 30, 2024 12:55 am
- Forum: Personal Investments
- Topic: Changing I bond registration in gift box
- Replies: 6
- Views: 922
Re: Changing I bond registration in gift box
Thanks. I have created a new registration. How do I assign the gift to the new registration? Can it be done online?RyeBourbon wrote: ↑Mon Jan 29, 2024 11:02 pm I believe you need to create a new registration, then assign it to the bonds.
- Tue Jan 30, 2024 12:31 am
- Forum: Personal Finance (Not Investing)
- Topic: Can I afford $2 million house?
- Replies: 32
- Views: 3638
Re: Can I afford $2 million house?
Is expanding and improving your current house, rather than buying a new house, out of the question?
- Mon Jan 29, 2024 9:41 pm
- Forum: Personal Investments
- Topic: Changing I bond registration in gift box
- Replies: 6
- Views: 922
Changing I bond registration in gift box
For the first time, I purchased an I bond through the gift box. However, in my month end haste, I failed to add the POD to the registration. Is there a way to change the registration to add the POD while the bond is in the gift box and before delivery?
- Fri Jan 26, 2024 9:10 pm
- Forum: Personal Investments
- Topic: Conflicted about 529
- Replies: 31
- Views: 2744
Re: Conflicted about 529
But might still be taxable + penalty at the state level, depending on the state.Yesterdaysnews wrote: ↑Fri Jan 26, 2024 8:55 pm You can take $10k out per kid for K-12 private school.
- Fri Jan 26, 2024 8:40 pm
- Forum: Personal Consumer Issues
- Topic: If you could only listen to one podcast...
- Replies: 185
- Views: 24347
Re: If you could only listen to one podcast...
Joe Rogan Experience
- Mon Jan 22, 2024 12:39 am
- Forum: US Chapters
- Topic: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
- Replies: 429
- Views: 43297
Re: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
Happy Birthday, Mr. Larimore!
- Sun Jan 21, 2024 12:22 am
- Forum: Personal Finance (Not Investing)
- Topic: Pay off student loan even if employer contributes?
- Replies: 5
- Views: 685
Re: Pay off student loan even if employer contributes?
The dollars involved aren't huge, I would do #3, and hang on to cash cushion.
- Sun Jan 21, 2024 12:14 am
- Forum: Personal Finance (Not Investing)
- Topic: Nice home, nice neighborhood, unsavory neighbors – options?
- Replies: 92
- Views: 10629
Re: Nice home, nice neighborhood, unsavory neighbors – options?
You need the A Team, if you can find them
- Sat Jan 20, 2024 5:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: Nice home, nice neighborhood, unsavory neighbors – options?
- Replies: 92
- Views: 10629
- Sat Jan 20, 2024 12:21 am
- Forum: Personal Consumer Issues
- Topic: Are car washes necessary?
- Replies: 116
- Views: 12795
Re: Are car washes necessary?
How long does each visit take?machineboy wrote: ↑Sat Jan 20, 2024 12:02 am Our local car wash allows us to be members for $30 a month. This gets you unlimited trips through the car wash. This includes rinsing the under carriage. For another $15 a month we can add a second car. So, for $22.50 a month per car both my wife and I can have clean cars. If a bird poops on the car, go through the car wash. If it snows, go through the car wash. Back window dirty? Car wash…
- Wed Jan 17, 2024 10:06 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard: "Important: We've been unable to reach you by email"
- Replies: 129
- Views: 15245
Re: Vanguard: "Important: We've been unable to reach you by email"
Got the infamous Vanguard email problem letter today. Not one, but four identical letters. Went to check the accounts and email address on the accounts was indeed correct, and was different from the one in the letter (an email address I hadn't used in ages). Weird.
- Mon Jan 15, 2024 12:27 am
- Forum: Personal Consumer Issues
- Topic: what to put in a time capsule that will be valuable in 50 or 100 years?
- Replies: 65
- Views: 6399
Re: what to put in a time capsule that will be valuable in 50 or 100 years?
Assortment of individually packaged candy bars
A few cans of soft drinks
Maga hat
A few cans of soft drinks
Maga hat
- Sat Jan 06, 2024 1:37 am
- Forum: Personal Finance (Not Investing)
- Topic: Finding witnesses for a trust document
- Replies: 35
- Views: 12529
Re: Finding witnesses for a trust document
The folks working in my estate planning attorney's office: attorneys, paralegals.tj-longterm wrote: ↑Fri Aug 08, 2014 7:42 am My wife and I need to amend some trust documents and we're supposed to have two witnesses sign off on them. However, we're very private about our finances and would rather not have friends or co-workers be witnesses to the legal documents. For various reasons, we've been advised that family members should not be witnesses. The involved lawyers are also out of state, and so we can't just use witnesses from their offices.
What do people usually do in a situation like this to get reliable witnesses without compromising their privacy?
- Mon Jan 01, 2024 5:37 pm
- Forum: Investing - Theory, News & General
- Topic: 2024 Hedge Fund contest
- Replies: 156
- Views: 28344
Re: 2024 Hedge Fund contest
Fleeceroni Fellas Fund
Long: MRVI
Short: ACIC
Long: MRVI
Short: ACIC
- Mon Jan 01, 2024 3:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity Advisor
- Replies: 14
- Views: 2433
Re: Fidelity Advisor
Why not have the call, then report back?
- Mon Jan 01, 2024 11:00 am
- Forum: Investing - Theory, News & General
- Topic: 2024 BOGLEHEAD CONTEST REGISTRATION
- Replies: 579
- Views: 39887
- Thu Dec 28, 2023 8:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: $700k Tax Bill
- Replies: 80
- Views: 17588
Re: $700k Tax Bill
^^ this if you have no employees to have to contribute for. Depending on your age you can put a great deal into this on a tax deductible basis (but like a traditional 401k or IRA, you will be subject to tax on withdrawals). Maybe aim to keep it open for 5 years or so, them terminate and roll into your existing 401k. I think the Schwab plan is an off the shelf plan.Woodworker2 wrote: ↑Thu Dec 28, 2023 5:41 pm Consider a defined benefit plan. I obtained one from Schwab and contributed more than 50% on gross income of 600K. The cost was low 1-4k over 5 years with no AUM load etc and used Schwab SP500 index at 0.02%. The max amount to contribute depends highly on age.
- Wed Dec 20, 2023 11:48 pm
- Forum: Personal Consumer Issues
- Topic: Selling car and using a rental a few times a year
- Replies: 34
- Views: 2524
Re: Selling car and using a rental a few times a year
As a minimalist, perhaps drop car and motorcycle altogether and bike around, and use Uber for times you need to go beyond bike range.
- Sun Dec 17, 2023 9:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Telling our children about your net worth - pros and cons?
- Replies: 181
- Views: 27851
- Sun Dec 17, 2023 9:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: [2023 TurboTax Desktop now requires account login to activate]
- Replies: 126
- Views: 67712
Re: [2023 TurboTax Desktop now requires account login to activate]
I bought from somewhere else not intuit. After downloading, I couldn't get past where it insisted on me logging in and verifying my identity. I was quite putoff and frustrated. I dont remember ever jumping through such hoops (and i have been using TurboTax for well over a decade). I already returned the product for a refund. I will try other tax software this season.
- Sun Dec 17, 2023 4:08 pm
- Forum: Personal Finance (Not Investing)
- Topic: [2023 TurboTax Desktop now requires account login to activate]
- Replies: 126
- Views: 67712
Re: [2023 TurboTax Desktop now requires account login to activate]
Just purchased 2023 TurboTax and I can't even login to activate, won't let me sign in even after using the alternative emailed verification code, won't let me change password without giving then my SSN, when click customer support, it just takes me to a website where all I can do is loop back into the original steps. So I am now officiallt done with TurnoTax.
- Mon Dec 04, 2023 7:06 pm
- Forum: Personal Investments
- Topic: Paper I bonds from the IRS
- Replies: 28
- Views: 3010
Re: Paper I bonds from the IRS
My credit union handles paper I bonds. For me at least, another reason to use credit union over bank.
- Mon Dec 04, 2023 12:24 pm
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 3617
- Views: 568492
- Fri Nov 24, 2023 11:38 am
- Forum: Personal Consumer Issues
- Topic: what to use on leaking aluminum car port
- Replies: 13
- Views: 1505
Re: what to use on leaking aluminum car port
If you are applying from the top, would aluminum hvac tape work good enough for this?
- Sun Nov 19, 2023 3:29 pm
- Forum: Personal Consumer Issues
- Topic: Gym and Personal Trainer switch-a-roo issue
- Replies: 28
- Views: 4159
Re: Gym and Personal Trainer switch-a-roo issue
Try to track down the trainer that you liked, see if you can continue with her wherever she's at now if convenient.
- Sat Nov 18, 2023 3:19 pm
- Forum: Personal Investments
- Topic: Called to the Principals office [401(k) investment choices questioned]
- Replies: 107
- Views: 14312
Re: Called to the Principals office
I would tell him to mind his own business. And why is poking around your confidential info and initiating contact. I would be annoyed.
- Sat Nov 18, 2023 1:25 pm
- Forum: Personal Consumer Issues
- Topic: ChatGPT just wrote me a POA that is better than the attorney's
- Replies: 150
- Views: 21325
Re: ChatGPT just wrote me a POA that is better than the attorney's
This sounds very strange to me.RationalWalk wrote: ↑Fri Nov 17, 2023 3:45 pm I've been fencing with an attorney for about a month now trying to get "
- Sat Nov 11, 2023 7:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Getting paid after quitting. glitch in the system
- Replies: 70
- Views: 6556
Re: Getting paid after quitting. glitch in the system
The mistake will eventually be discovered, and they will go after her. I suspect a lot of people will find out and talk. I assume she will have to pay back the gross, and be left figuring out how to get the paid taxes back. Finders keepers doesn't work in this context.
- Sat Nov 11, 2023 7:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: Prepaying alimony
- Replies: 32
- Views: 3833
Re: Prepaying alimony
You could open a new separate account at a bank or credit union, that charges no fees and pays interest, and lump sum the deposit, and set up monthly autopay, then go about your life. Calculate it so that the money runs out in the last month after the installment is paid. Consider it done.
- Sat Nov 11, 2023 12:51 pm
- Forum: Personal Consumer Issues
- Topic: Doorstop for angled front door
- Replies: 5
- Views: 588
Re: Doorstop for angled front door
Cut a very small block of wood (smallest that will work) with dimensions that will correct the angle, attach to wall, then attach doorstop to the small block.
- Fri Sep 22, 2023 10:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: Allstate sold their life ins. business, now wants me to buy new policies to replace the prev. ones?
- Replies: 17
- Views: 2572
Re: Allstate sold their life ins. business, now wants me to buy new policies to replace the prev. ones?
Can't you just decline the sales pitch and keep what you already have?Kinkajou82 wrote: ↑Fri Sep 22, 2023 9:38 pm
BUT recently I received an email from the allstate agent/office I bought these from originally intimating that I drop my 30 year term insurance
- Fri Sep 22, 2023 3:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: Quitting a high paying job and retiring early
- Replies: 118
- Views: 16538
Re: Quitting a high paying job and retiring early
I like the above. Just having an end date in less than a year should help de-stress the situation.AnnetteLouisan wrote: ↑Fri Sep 22, 2023 1:25 pm You’re 49.
You “absolutely hate it.”
It’s destroying “all aspects of your life.”’
You have $3.5M.
You can’t change the hours.
You’ve done it for 3 years.
Set a June 30, 2024 end date, which will be here before you know it, discuss with your family, and evaluate on March 15th.
Test your theory that you could not find anything making six figures for less time and travel.
- Sun Sep 10, 2023 9:34 pm
- Forum: Personal Consumer Issues
- Topic: Repeated Credit Card Fraud from Uber Despite Multiple Replacements - Seeking Advice
- Replies: 36
- Views: 8100
- Fri Sep 01, 2023 12:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to pay for a new vehicle with cash?
- Replies: 80
- Views: 7288
Re: How to pay for a new vehicle with cash?
I have heard this, but never tried it before. But maybe I will next time. I am just curious: how much did you save? Was there any hassle involved, for example a trip to DMV to remove the lien, payment to DMV to change the title, or dealing with / waiting on the lienholder to sign something for you to confirm pay off? I am genuinely curious, not challenging.
- Wed Aug 30, 2023 6:00 pm
- Forum: Personal Consumer Issues
- Topic: Legal process server trying to find someone
- Replies: 12
- Views: 1432
Re: Legal process server trying to find someone
Did the friend call the UPS store to verify that there was in fact someone attempting to drop off papers for him?
- Fri Aug 18, 2023 12:12 am
- Forum: Personal Investments
- Topic: California 529 Plan
- Replies: 6
- Views: 1249
Re: California 529 Plan
stilllurking wrote: ↑Thu Aug 17, 2023 3:02 pm I use it because it’s got one of the cheapest US equity funds. 0.06%. If you stay with index funds, you can’t go wrong with CA.
^this. Last time I checked (more than a year ago), i couldn't find another plan that was cheaper for a stock index fund.
- Sat Aug 12, 2023 7:03 pm
- Forum: Personal Consumer Issues
- Topic: Shoe quality?
- Replies: 55
- Views: 5273
Re: Shoe quality?
Mephisto. I think all the pairs i have now were made in France. Pricey but long lasting and comfortable.
Edited to add:
I checked. I was mistaken. 2 pair were made in France. One pair made in Portugal, and the other pair made in Bosnia. All have held up great.
Edited to add:
I checked. I was mistaken. 2 pair were made in France. One pair made in Portugal, and the other pair made in Bosnia. All have held up great.
- Wed Aug 09, 2023 9:06 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard would like your input
- Replies: 13
- Views: 2645
Re: Vanguard would like your input
Seems like a waste of time to fill out.
- Sun Aug 06, 2023 3:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: Recording financial conversations
- Replies: 12
- Views: 1342
Re: Recording financial conversations
I think if they say they are recording it, or that the call may be recorded, it is fair game for you to do the same as well. But no harm in parotting back exactly what they. "Yes, you to are on a recorded line, and how are you today?"
- Mon Jul 31, 2023 1:31 am
- Forum: Personal Finance (Not Investing)
- Topic: Advise on selling a house, strategy and what’s within the law
- Replies: 19
- Views: 2576
- Sat Jul 29, 2023 10:15 pm
- Forum: Personal Investments
- Topic: Wife's inheritance money in Japan
- Replies: 42
- Views: 5670
Re: Wife's inheritance money in Japan
The more I think about this, is it that ridiculous to consider just getting some or all of the money converted to USD on our next trip there, bring it back to the USA in cash (being sure to follow all reporting and declaration requirements), and then depositing it in my bank here in the US? The only fee I see with this is the currency exchange fee in Japan. If she will physically go to Japan anyway, she should be able to go to her bank and wire it to her US bank account or have the bank issue her a US dollar check that can be deposited in the US. The former would be ideal, as she could log into her US account online and verify the wire receipt while still over there. If it will make the transaction smoother, and if her Japanese bank has a ...