Search found 243 matches

by euroswiss
Sun Apr 15, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Advice for daughter entering into college shared rental situation?
Replies: 17
Views: 2017

Re: Advice for daughter entering into college shared rental situation?

I am a landlord in a college town and I agree with others above that the lease will basically be non-negotiable. We have everyone on the lease and require all parents to co-sign the lease. If one student breaks the lease, the others pick up the slack (or find a suitable replacement). Tell your daugh...
by euroswiss
Sun Apr 15, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 15
Views: 3061

Re: New HVAC system

I'd leave it alone. Given that it is used infrequently, it may have significant life left. Also, even if it DOES die at some point, it doesn't sound like it will be a real emergency so you'll have time to look for a good deal. Prices for HVAC systems have ballooned over the past few years and you ar...
by euroswiss
Sun Apr 15, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 8891

Re: Costco gas

For some reason, in our area, Costco, while always at the lower end of the price scale, is not really that much cheaper than other local options. So for me, its not worth "going out of my way" to fill up at Costco. Plus, I don;t have the patience to wait in 5+ cars long lines at Costco, so when it i...
by euroswiss
Sun Apr 15, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 3192

Re: Yellow Stone time needed

Agree with the majority here: not worth it. We visited Yellowstone last Fall with 4 nights inside the Park and we felt that was barely enough. It is a REALLY big place!
by euroswiss
Sat Apr 07, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Is fallen tree my responsibility or town's?
Replies: 10
Views: 1961

Re: Is fallen tree my responsibility or town's?

Pretty sure that the town is responsible for picking up the part they cut up and left in your driveway. I wouldn't bet on the town taking full responsibility since the base of the trunk is clearly on your property but part of the tree trunk goes over the line. Looks like any part across the line wo...
by euroswiss
Sun Mar 25, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: [Moving out of CA. What city has decent weather?]
Replies: 46
Views: 7710

Re: [Moving out of CA. What city has decent weather?]

The real problem you have is that you already LIVE in the state with the best weather, so ANYTHING you choose will be a step down. Except, perhaps, for Hawaii?
by euroswiss
Thu Mar 22, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Rolling Lease For Apartment (Condo)
Replies: 14
Views: 1125

Re: Rolling Lease For Apartment (Condo)

It's different because there are no specific 6 month lease intervals. The 6 month clock can be invoked by either side at any time. This is how I read it. The OP is basically asking for a month-to-month tenancy, with a 6 month notice period (for lease termination, rent increases, etc.). It's not con...
by euroswiss
Thu Mar 22, 2018 9:06 am
Forum: Personal Investments
Topic: Tiaa versus schwab
Replies: 10
Views: 1972

Re: Tiaa versus schwab

TIAA has good products but in my experience, their website is clunky, non intuitive, and buggy. The worst I have seen in the industry ( except, of course, Treasury Direct...but then that’s the government and they don’t seem to be allowed to have reasonable online tools). If you can cope with that, a...
by euroswiss
Thu Mar 22, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Rolling Lease For Apartment (Condo)
Replies: 14
Views: 1125

Re: Rolling Lease For Apartment (Condo)

It sounds like you really want a lease that automatically renews for a 6 month term unless it is cancelled by either party. This is not a big deal if both of you agree - it is just a bit unusual but absolutely doable. You will still be able to use a standard lease and just modify the term. Just pro...
by euroswiss
Tue Mar 20, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Rolling Lease For Apartment (Condo)
Replies: 14
Views: 1125

Re: Rolling Lease For Apartment (Condo)

It sounds like you really want a lease that automatically renews for a 6 month term unless it is cancelled by either party. This is not a big deal if both of you agree - it is just a bit unusual but absolutely doable. You will still be able to use a standard lease and just modify the term. Just prop...
by euroswiss
Tue Mar 20, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Rolling Lease For Apartment (Condo)
Replies: 14
Views: 1125

Re: Rolling Lease For Apartment (Condo)

Nothing wrong with that if it works for both parties. More common is for leases to go to a month-to-month system after the original term (in fact, many standard leases are written that way, so if they are not specifically renewed for another term (such as another year, or, in your case maybe another...
by euroswiss
Sun Mar 18, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Small landlord and 1099-MISC, how to answer TurboTax Interview
Replies: 3
Views: 1041

Re: Small landlord and 1099-MISC, how to answer TurboTax Interview

I don’t know the answer to your question, but It seems like this 1099misc is causing you a lot of anxiety. I am a small landlord also and I can assure you that issuing 1099misc forms is quite a trivial process. I issue maybe 2 or 3 each year and it takes maybe 10 minutes total. Your accountant very ...
by euroswiss
Tue Feb 20, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: condo rental and emotional support animals issues
Replies: 24
Views: 4105

Re: condo rental and emotional support animals issues

A hotel where I go to ride out hurricanes permits pets, but charges $100 a day more for them. I would imagine that means it is legal to have an increased rent for a pet. I would also guess that you could require a larger cleaning deposit as long as it is for any pet not just esa animals. It is lega...
by euroswiss
Mon Feb 19, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: condo rental and emotional support animals issues
Replies: 24
Views: 4105

Re: condo rental and emotional support animals issues

"btenny" is on target. The only thing you can do is charge more for the deposit and or fees regarding pets and service animals. You can make the size of that fee "any size you want". Again, "any size you want". The ESA and related issues are much like the ADA when it first came on the rental market...
by euroswiss
Sun Feb 18, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: condo rental and emotional support animals issues
Replies: 24
Views: 4105

Re: condo rental and emotional support animals issues

What you describe is pretty much my understanding of the issue as well. As far as documentation I believe that you can ask for a note from a certified healthcare professional (and not just, say, some statement downloaded from the internet). As far as fleas or odor, and I cringe saying this because I...
by euroswiss
Tue Feb 13, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Selling a rental property
Replies: 15
Views: 1445

Re: Selling a rental property

Check recently sold properties within your area that are comparable to your house. Zillow has that and also most county websites have recently sold info in their GIS area. (My county does) Zillow can be even wrong on the recently sold stuff....so don't put a lot of stock in them. Sell the property ...
by euroswiss
Tue Feb 13, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: How to approach previous company for a job you are interested in
Replies: 9
Views: 1129

Re: How to approach previous company for a job you are interested in

If you left on good terms it is probably fine. I had a good employee leave for a competitor for a substantial raise and wanted to work for smaller company. We offered her a raise but couldn’t match their offer. She took the offer and a few weeks later said she made a huge mistake. We took her back....
by euroswiss
Tue Feb 13, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Toothpaste
Replies: 22
Views: 5750

Re: Costco Kirkland Brand Toothpaste

This is, IMO, the one great downside to the warehouse clubs. Eventually you learn that the private label products are typically relabeled name brands, and the products will one day be replaced or disappear (your toothpaste example, or the Kirkland golf balls of 2017). Or, as has been mentioned in r...
by euroswiss
Wed Jan 31, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: US Stock market drop - effect on 401k contribution / purchases
Replies: 10
Views: 2150

Re: US Stock market drop - affect on 401k contribution / purchases

... will I get more VG total stock if it drops more the next few days? How would I know if (unlike VG taxable where it shows the basis) how many shares were purchased with the last paycheck contribution amount $XXX etc. This is a great question. In my old 401(k), the recent transactions were clearl...
by euroswiss
Sun Jan 21, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab vs fidelity
Replies: 25
Views: 4776

Re: Schwab vs fidelity

While you are at it, check with both, Schwab and Fido if they have any incentive offers running. Amounts vary depending on company and size of account rolled over, and time of the year, but it can be thousands of dollars of "free cash". Definitely worth checking
by euroswiss
Fri Jan 19, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 5979

Re: A "Home" cell phone?

flossy21, thanks for the very concise explanation. My “taxes, surcharges & fees” on just the phone are close to $17 a month, with $7 and $4 going to federal subscriber line charge and 911 for my city, respectively. It sounds like switching to Ooma would bring no relief there. From the FAQs, I under...
by euroswiss
Mon Jan 15, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Will IRS make paper tax forms available?
Replies: 23
Views: 1964

Re: Will IRS make paper tax forms available?

I also dislike the new IRS website. There seems to be some conspiracy afoot to redesign formerly workable websites into unusable messes designed to look like they're for preschoolers. I understand this format looks better on a smartphone. While they're at it, they use faint thin type so the new web...
by euroswiss
Mon Jan 15, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Will IRS make paper tax forms available?
Replies: 23
Views: 1964

Re: Will IRS make paper tax forms available?

I remember the good old days when you could order them during Xmas break and they would be delivered in mid-Jan or so. The last few yrs when I order them the 1st wk in January, right after I give up hope and re-order them in late Feb, they get delivered in early March. Be interested to know how you...
by euroswiss
Mon Jan 15, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 5979

Re: A "Home" cell phone?

meowcat wrote:
Mon Jan 15, 2018 2:54 pm
We need a dedicated land line for our security system. Otherwise, we wouldn't have one.
You can use VOIP (Ooma or something like that) for your security system as long as your internet connection is reasonably stable. That makes it a lot cheaper
by euroswiss
Mon Jan 15, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 5979

Re: A "Home" cell phone?

Some of my friends still have a home number (land line) but I don't dial those numbers anymore. I dial their mobile numbers. I don't see a need for a home number. TravelforFun I see a need for a land line phone number just so that I don't have to give out my cellphone number to every business that ...
by euroswiss
Sun Jan 14, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Pre-purchase inspection: dealership or private mechanic?
Replies: 17
Views: 4633

Re: Pre-purchase inspection: dealership or private mechanic?

I would NOT trust a dealership for this task for some of the reasons mentioned above. That said, I have found it surprisingly difficult to find ANY mechanic who is interested in doing a thorough job with this. For example, I took my daughter's car (ahead of her taking the car to college) to three di...
by euroswiss
Fri Jan 12, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or Keep a rental condo
Replies: 36
Views: 3285

Re: Sell or Keep a rental condo

I would also avoid being hit with cap gain taxes on the sale and no depreciation to payback. Thoughts? I'm a landlord myself so rental real estate doesn't intimidate me at all. How much leverage do you think you have as far as increasing rent? Your numbers would be close to a toss-up for me unless ...
by euroswiss
Tue Jan 02, 2018 2:01 pm
Forum: Personal Investments
Topic: Schwab brokerage incentive $2,500 - - - thoughts?
Replies: 72
Views: 32153

Re: Schwab brokerage incentive $2,500 - - - thoughts?

Reviving this old thread. Is Schwab offering $2500 for $1M again in 2018? If so, perhaps it's a hidden bonus because I cannot find it advertised. I took one of those Schwab bonuses ($500 for transferring $100'000 in 2017 and it looks like they still offer it. Fido currently has a $2500 for moving $...
by euroswiss
Mon Jan 01, 2018 12:51 pm
Forum: Personal Investments
Topic: Can I invest my IRA in properties that are managed by my brother?
Replies: 9
Views: 1313

Re: Can I invest my IRA in properties that are managed by my brother?

riverguy wrote:
Mon Jan 01, 2018 4:40 am
Siblings aren’t disqualified persons.
... but also check out if your state requires a license to manage non-self owned rental properties. Many do and I’m thinking a brother might, or might not be exempt.
by euroswiss
Fri Dec 29, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: cash tranfer between brokerage accounts
Replies: 6
Views: 505

Re: cash tranfer between brokerage accounts

I called Fidelity to transfer some cash to my spouse's brokerage account from my brokerage account and the representative asked if it is a gift or non-gift transfer. She said there is tax consequence for both. Could someone explain to me what is the difference?. I m transferring so that spouse can ...
by euroswiss
Fri Dec 29, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for financial aid with high income
Replies: 50
Views: 4173

Re: Applying for financial aid with high income

[/quote] I am not asking people to go to party schools. My message was not all private schools are not worth it, but non-top tier private schools are not worth it. This is especially true for those who want to go to graduate schools. To be more clear, my suggestion is to first go to a flagship state...
by euroswiss
Fri Dec 29, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 110
Views: 29351

Re: Water Heater Install $1,800!

Some have mentioned tankless water heaters, but we would never get one by choice. They take a very long time to heat up at the faucet, and our current water heaters have instant hot water from a constantly circulating system. They do take less space, and they are advertised as less potentially dang...
by euroswiss
Thu Dec 28, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 110
Views: 29351

Re: Water Heater Install $1,800!

Yes, Sir! 2000 all-in. I did use a 10% off coupon for the heater and parts (coupon doesn’t apply to labor), so that saved some but labor is the larger part of the total cost. I should add that the bids ranged from $2000 to $3700.... I observed the entire installation and it was not difficult (easy a...
by euroswiss
Mon Dec 18, 2017 2:33 pm
Forum: Personal Investments
Topic: I bonds: Should I put money on I bonds rather than keep them in a savings account
Replies: 26
Views: 4605

Re: I bonds: Should I put money on I bonds rather than keep them in a savings account

I've been with Treasury Direct from the beginning. Yes, they had several years there where they required a "secret decoder card" to log in, but those days are gone. From what I understand, if you ever mess up logging in so much that you get locked out of your account, it's apparently quite the hass...
by euroswiss
Mon Dec 18, 2017 2:20 pm
Forum: Personal Investments
Topic: I bonds: Should I put money on I bonds rather than keep them in a savings account
Replies: 26
Views: 4605

Re: I bonds: Should I put money on I bonds rather than keep them in a savings account

I do not own I Bonds, in part because I understand that working through Treasury Direct is a total nightmare. You can do a quick search of this site to find dozens of threads on the subject. For relatively short term savings goals like yours (not what they are really made for), I would be real temp...
by euroswiss
Mon Dec 11, 2017 10:28 am
Forum: Personal Investments
Topic: DAF - when is it right to do?
Replies: 17
Views: 1971

Re: DAF - when is it right to do?

A couple of reasons not to Your current or former employer will match your charitable donations to some organizations, but only if the donation is from you individually, not if the donation is from your DAF That is an important point to consider - I agree. Also worth pointing out (although most fol...
by euroswiss
Sun Dec 10, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 5544

Re: Buying index funds is just as speculative as buying Bitcoin

agottem wrote:
Sun Dec 10, 2017 3:31 pm
I believe me purchasing bitcoin was more of an investment than most people on this forum make when choosing an index.
Good for you - and best of luck!
by euroswiss
Sun Dec 10, 2017 2:01 pm
Forum: Personal Investments
Topic: Recommend where to locate roll over IRA
Replies: 12
Views: 1270

Re: Recommend where to locate roll over IRA

Got it - fair enough. No problem as long as everyone knows that everyone knows...
by euroswiss
Sun Dec 10, 2017 9:53 am
Forum: Personal Investments
Topic: Recommend where to locate roll over IRA
Replies: 12
Views: 1270

Re: Recommend where to locate roll over IRA

I'm with Taylor, for all the reasons he gave. My wife and I have consolidated all of our non-custodial accounts at Vanguard and as we are able to do so we are also moving those accounts to Vanguard IRAs. I worried about having all of our investments in one place, but reading and research convinced ...
by euroswiss
Tue Dec 05, 2017 11:58 am
Forum: Personal Investments
Topic: Donor Advised Funds - Transfer?
Replies: 8
Views: 1486

Re: Donor Advised Funds - Transfer?

My understanding is that yes, you can roll it to a different company. I also want to throw Schwab Charitable into the discussion as that is where I have had my DAF for quite some time now and I'm very pleased with them. Contribution and award minimum is much smaller than Vanguard (and similar to Fid...
by euroswiss
Mon Dec 04, 2017 8:00 pm
Forum: Personal Investments
Topic: Fisher Investments
Replies: 17
Views: 4242

Re: Fisher Investments

Sheepdog wrote:
Mon Dec 04, 2017 7:40 pm
There have been many conversations on this firm. You can do a quick search for yourself. Here is just one....viewtopic.php?t=187588.
Leave them alone
agreed - someone has to pay for all those glossy brochures.....
by euroswiss
Mon Dec 04, 2017 5:50 pm
Forum: Investing - Theory, News & General
Topic: Charitable donations through Betterment
Replies: 1
Views: 419

Re: Charitable donations through Betterment

I recently received correspondence about Betterment's process for donating securities from an account. I'm not a Betterment client but the correspondence implied that the process was more convenient than what is offered through other financial institutions. Can anyone share information about the pr...
by euroswiss
Mon Nov 27, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Dental bill four years after service
Replies: 33
Views: 5063

Re: Dental bill four years after service

And yes, there are no EOBs for dental work. I get EOBs for dental work. Hmm! What dental insurance do you have? I have Delta HMO and I was informed by the rep I talked with that they don't provide EOBs. I get EOBs from MetLife for dental all the time. They don’t cover much, but they sent an EOB to ...
by euroswiss
Mon Nov 27, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: DELETE
Replies: 10
Views: 1302

Re: BLK Friday -Washer/Dryer purchase for future

pdanet wrote:
Sun Nov 26, 2017 7:54 pm
We maybe moving in about 2 months. Has anyone purchased W/D from Lowes or HD and deferred taking delivery 60 or 70 days out in future?

Any downside to this?
Not sure I have done it quite that far out but I definitely have done a month or so. No problem.
by euroswiss
Mon Nov 27, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Limiting Income to <$250K for tax purposes
Replies: 20
Views: 3432

Re: Limiting Income to <$250K for tax purposes

Yes, I think this is a good use of an NQDC plan. With the caveats (stability of employer, likelihood of you long-term employment there) that you say you already understand
by euroswiss
Sun Nov 26, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Removing stains from outdoor masonry
Replies: 6
Views: 561

Re: Removing stains from outdoor masonry

you can rent power washers. So much easier (and more effective) than elbow grease.... you may get away with just a mild detergent (instead of bleach) or just plain water that way.
by euroswiss
Sun Nov 26, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 110
Views: 29351

Re: Water Heater Install $1,800!

My water heater started leaking on Friday. I called a local plumber he came over and quoted me at 1,850. This is flat installation, disposal, heater itself, everything. He said he can come today to replace it. After he left, I called another larger plumbing business in town and they charged me $170...
by euroswiss
Sat Nov 25, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Billed by Spectrum. Don't have account.
Replies: 7
Views: 1652

Re: Billed by Spectrum. Don't have account.

Not sure this is connected, but I got a paper bill for $56 from Spectrum earlier this month. I WAS a former Spectrum customer but switched service in September. I don’t think I owe them any money, but I decided to let the bill sit on my desk for a while and see if they follow up with trying to colle...
by euroswiss
Sat Nov 25, 2017 10:38 am
Forum: Personal Investments
Topic: Question - Deferred Compensation Plan
Replies: 6
Views: 1584

Re: Question - Deferred Compensation Plan

To the OP: yes, your strategy makes sense, assuming you have considered the caveats pointed out already (I.e. you are fairly close to retirement, you are fairly certain that you’ll stick with your current employer for the duration, and you are pretty confident in your employer’s financial stability)
by euroswiss
Fri Nov 24, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Apple people: Office 365 or Apple's stuff?
Replies: 14
Views: 1554

Re: Apple people: Office 365 or Apple's stuff?

# 1 Microsoft # 2 Google/Mozilla # 3 Apple Pretty disappointed in Apple's office software. Apple fan here. I am disappointed too. +1 on both accounts.... For simple home use I have used OpenOffice without any problems, but when it comes to file compatibility (especially in cases where I work with c...