Search found 271 matches

by muddlehead
Thu Feb 19, 2015 11:41 am
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 4359

Re: Music / Song Help

I came up w a/4th. A bit druggy. Lou Reed- live on a couple of albums - Walk on the Wild Side - 15 minutes. Thanks all for the great suggestions. . 3 more I came up with, each with a flaw. Isaac Hayes 18 minutes By the Time I get to Phoenix. John Prine Lake Marie 9 minutes. Each has a spoken part fo...
by muddlehead
Wed Feb 18, 2015 4:43 pm
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 4359

Music / Song Help

Putting together an 80 minute cd. Story telling, long songs in the style of these three: Arlo Guthrie Alice's Restaurant; Jaime Brockette's Legend of U.S.S. Titanic; Baz Luhrman's Sunscreen. Need more suggestions. Thanks.
by muddlehead
Fri Feb 13, 2015 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Costco/AmEx relationship ending. New Costco MasterCard?
Replies: 85
Views: 1117587

Re: Costco/AmEx relationship ending. New Costco MasterCard?

Oh boy. Nothing is forever, right? The $220 Amex card Costco rebate in my wallet now. Always 100% used the Amex/Costco card since its use refunded/rebated more than its annual fee which I think was $75 or $100. Bye Bye Amex. Onto the next Costco card June 1, 2016. p.s. Can't believe someone paid $47...
by muddlehead
Thu Jan 29, 2015 9:07 pm
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - what to do?
Replies: 42
Views: 16552

Re: Scottsdale, AZ - what to do?

Are you walker sight seers? Great walking city. Walk length of Indian School Park. Nice public tennis courts in the park if you play. Walk west starting at N Scottsdale and Jackrabbit. Sweet residential area to see on Sage Dr and Cholla Ln if you can walk that far. Frank LLoyd Wright's is pricey, bu...
by muddlehead
Sat Jan 24, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Selling a home - 1st timer
Replies: 26
Views: 3743

Re: Selling a home - 1st timer

Curious. Excuse my nosiness. If you don't want to answer, I understand. 220k down to 171k in 10 years? That's rough. Where do you live?
by muddlehead
Sat Jan 24, 2015 6:53 pm
Forum: Personal Investments
Topic: Advice on Brokerage CDs?
Replies: 25
Views: 2357

Re: Advice on Brokerage CDs?

Absolutely no problem with brokered cd's. Have had them for many years and will always have them. Mine happen to be at Schwab - which will be no different than Vanguard or any other major well known brokerage firm for cd's. Stay under FDIC limit. A cd bank provider may go under. No worries. Money sh...
by muddlehead
Tue Jan 20, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: Real or Fake Website - Need Your Opinion
Replies: 14
Views: 2672

Re: Real or Fake Website - Need Your Opinion

Thanks again all, and sperry8 for the info. You've given me a smidgen of hope. Just sent an e/m to parcelforce. Bizarre quests like these are what retirements are made of. Ridiculously, I am looking to buy some plain old all, or 100% all around the cap, mesh baseball hats. (like the green John Deere...
by muddlehead
Mon Jan 19, 2015 3:24 pm
Forum: Personal Consumer Issues
Topic: Real or Fake Website - Need Your Opinion
Replies: 14
Views: 2672

Re: Real or Fake Website - Need Your Opinion

Darn. Thanks all. Sleuthing appreciated. Moving on.
by muddlehead
Mon Jan 19, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Real or Fake Website - Need Your Opinion
Replies: 14
Views: 2672

Real or Fake Website - Need Your Opinion

Came across a website -- myhatstock.com -- looking for baseball hats. They have a particular style of hat I've been looking for. Would buy it in a New York minute. However, my hunch is I don't trust what I'm seeing enough to send them money. What do you all think? And, any of you have a sure fire wa...
by muddlehead
Fri Oct 10, 2014 12:42 pm
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 24037

Re: Should I buy a condo on the GROUND FLOOR?

This discussion /thread was very interesting. My Mom lived in a two story - no one above - corner condo overlooking protected open space to the sea. Bad part ? Train rolled by every 6 hours or so 75 feet away. Promise. You get so used to it, you don't hear it after a while.
by muddlehead
Sat Sep 20, 2014 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Policy Declaration Questions
Replies: 11
Views: 1628

Re: Home Insurance Policy Declaration Questions

Thanks. This is one complicated 7 part document. Looks like my deductible is $1000 in the 2 places it's listed in the Basic Policy Premium Section. Section II we're good. Leaves Section I. 4 parts. A thru D. D- Loss of Use- Why is it so high? $162k for renting as my house is rebuilt. C- Personal Pro...
by muddlehead
Fri Sep 19, 2014 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Policy Declaration Questions
Replies: 11
Views: 1628

Re: Home Insurance Policy Declaration Questions

Thanks. Anything in these numbers stick out as items I should change? Home worth ~900k, 3000 sq ft, zero expensive personal property.
by muddlehead
Thu Sep 18, 2014 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Policy Declaration Questions
Replies: 11
Views: 1628

Home Insurance Policy Declaration Questions

My childhood home of many, many years ago burned to the ground recently. Got me to think about my own home insurance. Pulled out my statement. Questions arise which I think would be better answered by this board than a AAA rep. Looking for easy explanations to the seven numbers in Section I and Sect...
by muddlehead
Tue Sep 09, 2014 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 19296

Re: Anyone use Legal Zoom for LivingTrust?

Trusts were sold back in the day almost entirely to avoid the low inheritance / death tax level. In 2001, for example, exclusion amount was 675k - anything more taxed at 55%. A powerful incentive for sure, especially in expensive home states like California. Easy to get to that 675k level. Now, with...
by muddlehead
Tue Sep 09, 2014 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 19296

Re: Anyone use Legal Zoom for LivingTrust?

OK. Wife and I 60ish. 2 kids. No special needs. I die - all assets go to wife. She dies - all goes to me. We both die at same time - all go to the 2 kids 50/50 split. Estate tax inheritance level these days is 5 or 6 mill. Wife and I have joint accts. 3 mill at a brokerage firm Schwab. Tiny amount i...
by muddlehead
Tue Sep 09, 2014 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use Legal Zoom for LivingTrust?
Replies: 75
Views: 19296

Re: Anyone use Legal Zoom for LivingTrust?

hoops777 are you still on this thread? My situation similar to yours. Wife, 2 kids, 50/50 simple simple. I'll tell you what I've done.
by muddlehead
Wed Aug 20, 2014 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 10487

Re: POLL: Age for Collecting Social Security Benefits

To jjustice: """"If you're concerned only about the breakeven point, you should study the second chart at the link below. A breakeven point is only a single moment in time--the time at which things start going the other way rapidly. The second chart at this link is for filing at 62 instead of 66, an...
by muddlehead
Wed Aug 20, 2014 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 10487

Re: POLL: Age for Collecting Social Security Benefits

Wife and I don't need SS money, fortunately. We both will eagerly take it at age 62 - for her, starting April 2015 . The breakeven point issue is the only consideration. Monthly payments will go into the bank. Taxes will be paid accordingly. And that is that.
by muddlehead
Sun Aug 10, 2014 2:36 pm
Forum: Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 99
Views: 13826

Re: 3.3% Vanguard 10 year CD

ArthurO. Have 7 100k brokered cd's in my tax deferred account. In my case, Schwab. But it could be any brokerage firm. 5 of them are the same 10 yr ~ that you have. (one is actually a Fed Home Loan Mortgage yielding 3.40%. Close enough to a cd.) The other 2 are maturing in 2019 - 5 yrs - at 1.95%. L...
by muddlehead
Sun Aug 10, 2014 2:13 pm
Forum: Personal Consumer Issues
Topic: California Redwoods in December - VW Vanagon
Replies: 13
Views: 2492

Re: California Redwoods in December - VW Vanagon

"" Sounds like the weather will be fine as the fog burns off."" Santa Rosa here. 60 miles north of SF. Know the Santa Rosa to Humboldt County trek all too well. You might be confusing a normal run of the mill northern California coastal marine layer with winter rains. As we sit here in August, zero ...
by muddlehead
Thu Aug 07, 2014 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Series 7
Replies: 6
Views: 1096

Re: Series 7

You can do it! Series 7, 8, 63 and I forget what else I took years ago. And real estate license test later also. Same simple strategy each time. Never read any of the chapters in any of the training texts/manuals. Concentrated 100% on the practice tests at the end of each chapter. You'll miss a few ...
by muddlehead
Fri Jul 18, 2014 7:35 pm
Forum: Investing - Theory, News & General
Topic: recent brokered CD fluctuation
Replies: 13
Views: 1432

Re: recent brokered CD fluctuation

With regard to the theoretical RMD valuation. There would be no IRS issue if you chose to value the CD or CD's at their stated face value instead of the higher market value. How do I know this? In a former lifetime I was a brokerage firm branch manager. IRS is not monitoring your accounts for this p...
by muddlehead
Mon Jun 02, 2014 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 14284

Re: Keeping up with the neighbors and Balance

Am I the only one who thinks it's a bit weird for the OP and neighbor to have 1) bought his/her adjoining town homes at the same time 2) be the same age, and 3) make the same salary?
by muddlehead
Wed May 28, 2014 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: POD (Pay on Death)
Replies: 16
Views: 2815

Re: POD (Pay on Death)

My wife and I have POD or TOD accounts for my two sons when we die. Right now the federal estate tax kicks in on amounts over 5.25 million / double for spouse etc... If you are leaving less than that amount for your kids, like us, and I'll guess you are too, no tax or estate worries for recipients. ...
by muddlehead
Tue May 27, 2014 10:56 am
Forum: Personal Investments
Topic: Investing in Real Estate in an IRA account
Replies: 3
Views: 442

Investing in Real Estate in an IRA account

This used to be a much discussed topic before the real estate crash 8 yrs ago or so. Heard an ad on the radio yesterday which piqued my interest. Has anyone here actually ever done the real estate thing in their IRA account?
by muddlehead
Wed May 21, 2014 6:16 pm
Forum: Personal Consumer Issues
Topic: White collar crime book recommendations?
Replies: 21
Views: 2139

Re: White collar crime book recommendations?

One of my favorite topics. I'll try to give you some off the beaten path. 1) Faking It in America (ZZZZ Best Stock Scam) about Barry Minkow 1989 Forget for sure if this is the exact book I read about him. There are several, now... Awesomely interesting tale 2) Inside Job by Pizzo, Fricker Savings an...
by muddlehead
Mon May 19, 2014 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Housing affordability CA
Replies: 22
Views: 3466

Re: Housing affordability CA

Santa Rosa here. Second cheapest of the 9 Bay Are counties - only Solano cheaper. And yes, I'm one of the few who admits we're here cause Marin was too expensive. Always a good time to buy house if you plan to stay in the house 10 yrs or so and have ample resources to pay mortgage and property tax. ...
by muddlehead
Sat May 10, 2014 12:04 pm
Forum: Personal Investments
Topic: What does it take to make a banker notice you ?
Replies: 32
Views: 5305

Re: What does it take to make a banker notice you ?

Here in the USA, the 100% absolute worst place to go for investing advice, is any bank. Conflict of interest.
by muddlehead
Mon May 05, 2014 6:35 pm
Forum: Investing - Theory, News & General
Topic: cd ladder distribution
Replies: 12
Views: 1849

Re: cd ladder distribution

Have bought brokered cd's through Schwab ever since Treasury yields dropped below cd yields - 15 years ago, maybe? Never had a problem. Assume it would be the same for cd's bought at Vanguard, Fidelity, etc... I've always bought a new issue and held to maturity. Stayed under the FDIC insurance level...
by muddlehead
Tue Apr 22, 2014 7:02 pm
Forum: Investing - Theory, News & General
Topic: Why is the price so low for option? Is this real?
Replies: 21
Views: 1972

Re: Why is the price so low for option? Is this real?

Former options floor market maker and long time options trader and teacher here. Now 7 years retired. There will never, I repeat, never, be a time where you can sit in front of a computer and pull a fast one on traders in the options world due to what you perceive to be a no-brainer price discrepanc...
by muddlehead
Wed Mar 12, 2014 11:20 am
Forum: Personal Investments
Topic: Certificates of Deposit alternatives?
Replies: 20
Views: 3064

Re: Certificates of Deposit alternatives?

Thanks all. Annuities. I'm confused by the obfuscation. Main drawback for me is the forfeiture of the money for my heirs - in my case 2 sons. I would believe, though I could be wrong, if I could get the principal money back as in a CD, the interest rate payout would be a lot less than a current 10 y...
by muddlehead
Mon Mar 10, 2014 6:15 pm
Forum: Personal Investments
Topic: Certificates of Deposit alternatives?
Replies: 20
Views: 3064

Re: Certificates of Deposit alternatives?

Thanks all. Correct, inflation risk is inherent with cd's. To be specific, 2 weeks ago I bought 100k, in an IRA account, under the 250k FDIC limit, 10 year cd 3.35%. Not too bad. Annuities work except for 2 deal killers for me. 1) you hand over your money to the insurance company forever - not good ...
by muddlehead
Mon Mar 10, 2014 5:29 pm
Forum: Personal Investments
Topic: Certificates of Deposit alternatives?
Replies: 20
Views: 3064

Certificates of Deposit alternatives?

Retired and out the market entirely. Fortunate to have enough money to live solely on CD interest and puling a little from principal every year. Cd's, of course, 100% risk free if 1) within FDIC insurance limits and 2) held till maturity. The risk free-ness appeals to me greatly. Are there any other...
by muddlehead
Tue Dec 03, 2013 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age children inherit late parent's IRA account
Replies: 16
Views: 2097

Re: Middle age children inherit late parent's IRA account

**If your sons are joint contingent designated beneficiaries on your IRA, the age of the OLDEST will control the slowest rate at which money can be withdrawn.** That was interesting. Learned that yesterday. My sons are only 2 years age difference. So, it doesn't apply to me, or them. Wondering, not ...
by muddlehead
Tue Dec 03, 2013 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age children inherit late parent's IRA account
Replies: 16
Views: 2097

Re: Middle age children inherit late parent's IRA account

Thanks all for the quick and informative replies. Questions answered. The Ed Slott "stretch" IRA strategy, I think, is for the super wealthy to keep passing huge amounts among generations. Eventually, and correct me if I'm wrong, when the money comes out of a taxable IRA, be it from a Kennedy or a R...
by muddlehead
Mon Dec 02, 2013 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age children inherit late parent's IRA account
Replies: 16
Views: 2097

Middle age children inherit late parent's IRA account

Searched through forums. Did not see one established on this exact topic. As we know, rules for inheriting an IRA are tricky - for beneficiaries and brokerage firms alike. Very, very possible to get the wrong answer if you ask your broker, "What are my options now that I've inherited this IRA?" Here...
by muddlehead
Tue Nov 02, 2010 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: amerisave
Replies: 4
Views: 1241

thanks for replies.
by muddlehead
Mon Nov 01, 2010 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: amerisave
Replies: 4
Views: 1241

amerisave

thinking of refinancing to a 15yr fixed mortgage. question for the board. has anyone dealt with amerisave.com?
by muddlehead
Wed Mar 03, 2010 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to choose a flat-fee MLS listing
Replies: 20
Views: 3774

sold wife's parents home with assist 2 sell. sold my mom's home through help u sell. both are flat fee. worked great. key, and how people don't get this is beyond comprehension, is to price the selling house at a price that might actually sell in, say, next 250 years...
by muddlehead
Wed Mar 03, 2010 11:47 am
Forum: Personal Finance (Not Investing)
Topic: health insurance - let's compare notes
Replies: 30
Views: 4880

thanks all for replies. anyone in the over 50 retired club think additional/supplemental insurance from say, aarp, to name one that advertises a lot, is cost efficient?
by muddlehead
Mon Mar 01, 2010 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: health insurance - let's compare notes
Replies: 30
Views: 4880

health insurance - let's compare notes

wife and i retired, mid 50's, reside in northern california. no health issues knock on wood cross our fingers so far. no smoke, drink, lots of exercise... for us, at this point, insurance is merely catastrophic. we buy it on our own. our carrier is anthem blue shield. i believe we have the highest d...
by muddlehead
Wed Feb 10, 2010 6:03 pm
Forum: Personal Investments
Topic: Rights to a UGMA
Replies: 37
Views: 9785

dbr, mind if i ask how you know this? i was a broker for 22 yrs - options- a couple of years asst branch manager.so a little branch type experience. i thought at 18, say, beneficiary walks into branch, shows some id, says mine now remove custodians...maybe we're both on the same page if the assets w...
by muddlehead
Wed Feb 10, 2010 5:46 pm
Forum: Personal Investments
Topic: Any Schwab Account Holders?
Replies: 31
Views: 5426

schwab fan. best brokerage firm. but, i'm biased. worked there for 16 years.
by muddlehead
Wed Feb 10, 2010 5:38 pm
Forum: Personal Investments
Topic: Rights to a UGMA
Replies: 37
Views: 9785

i don't understand how the financial institution gave parents the money when it is your wife's on her 18th or 21st birthday, depending on how it was set up. i would confront the institution asap. lot of posts here. forgive me if already addressed.
by muddlehead
Sat Jan 30, 2010 1:06 pm
Forum: Personal Investments
Topic: What your mistakes have taught you
Replies: 28
Views: 4131

...that so called financial advice expert types know no more about what the future holds than...
by muddlehead
Tue Jan 26, 2010 9:28 pm
Forum: Investing - Theory, News & General
Topic: Brokered Deposits / CDs -- Proper Documentation
Replies: 32
Views: 7610

how 'bout this. let's say you buy fidelity magellan mutual fund in your vanguard brokerage acct. do you think fidelity magellan knows who you are? or are they only concerned that vanguard has placed an order to buy some dollars of fidelity magellan fund - which they will then net into the rest of va...
by muddlehead
Tue Jan 26, 2010 12:49 pm
Forum: Investing - Theory, News & General
Topic: Brokered Deposits / CDs -- Proper Documentation
Replies: 32
Views: 7610

only two of my cd's mature as soon as 2013. but, they were bot before insurance limit raised. seems reimbursement has happened in a week or two. **The only way for me to check (per SEC and FDIC) is to request the documentation they both want me to get.** that does not apply when you purchase a cd th...
by muddlehead
Mon Jan 25, 2010 11:57 am
Forum: Investing - Theory, News & General
Topic: Brokered Deposits / CDs -- Proper Documentation
Replies: 32
Views: 7610

vst. fair questions. 1. dtc does not know who you are. the cd issuing bank does not know who you are. the brokerage firm does not supply the names/acct numbers of the accounts which have the cd's to either the cd issuing bank or the dtc. or, for that matter, to anyone. if that is a concern for you, ...
by muddlehead
Sun Jan 24, 2010 1:20 pm
Forum: Investing - Theory, News & General
Topic: Brokered Deposits / CDs -- Proper Documentation
Replies: 32
Views: 7610

to the op, i have many cd's in my brokerage account. so, i'm interested in all discussions of the topic. i also worked 25 years in the business. what exactly are your concerns re: owning cd's in your brokerage account?
by muddlehead
Mon Jan 11, 2010 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: bus fare from Cancun to Merida ???
Replies: 14
Views: 2450

....and ask them the fare from newark to camden.