Search found 144 matches

by PalmQueen
Tue Apr 30, 2019 10:54 am
Forum: Personal Investments
Topic: Getting out of Schwab Intelligent Portfolio
Replies: 11
Views: 1725

Re: Getting out of Schwab Intelligent Portfolio

I don't think you need to sell everything. My understanding is that you just ask Schwab to convert the holdings to a regular account. That way you can unwind strategically. For the record, I did a bit of research on SIPs and found the ETFs they use all have low ERs for their category. Also I've hear...
by PalmQueen
Wed Apr 24, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 35
Views: 3895

Re: Teeth Whitening

I got the trays made by my dentist years ago when over-the-counter options were limited. All the young people in the office had these sparkling white smiles. I thought maybe it was thanks to improved childhood nutrition. Turns out in their world this is something everyone does. Your dentist's recomm...
by PalmQueen
Mon Apr 08, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Dentist Question
Replies: 18
Views: 1592

Re: Dentist Question

There are a lot of things going on here that make me skeptical you're getting the best care from the "popular" dentist. First, it's common for regular dental check-up/cleaning appointments to be booked months in advance any day of the week. My dentist books these regular appointments 3-6 months out....
by PalmQueen
Tue Apr 02, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Probate Question Re Credit Cards
Replies: 36
Views: 2407

Re: Probate Question Re Credit Cards

So sorry for your loss and your situation. You may find a lot of your answers in: The Executor's Guide to Settling a Loved One's Estate or Trust Published by NOLO, Written by Mary Randolph, J.D. It's updated annually and will give you an accurate overview of how the process works. It won't replace t...
by PalmQueen
Fri Mar 22, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Selling land - best approach?
Replies: 15
Views: 1455

Re: Selling land - best approach?

A good place to start would be by chatting with the county tax assessor's office. Questions - How does tax assessment correlate with market prices? What has been the price trend for actual sales of similar parcels in the past year? What is the zoning? Any plans for rezoning in the future? Any insigh...
by PalmQueen
Mon Mar 18, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Visiting Tucson, AZ for 3 days - what to see?
Replies: 46
Views: 2117

Re: Visiting Tucson, AZ for 3 days - what to see?

If you'll be anywhere around the University of Arizona area, the USS Arizona Mall Memorial is worth visiting.
http://www.ussarizonamallmemorial.org/
by PalmQueen
Wed Mar 13, 2019 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I give more money to a family member?
Replies: 107
Views: 7341

Re: Should I give more money to a family member?

Anyway, when he died, he left me everything, (except one other policy that he placed in my little sister's name) and a will that stated I should "reimburse" myself, then use the left over money and split it equally between the three of us sisters. I would follow your father's instructions. Your fat...
by PalmQueen
Wed Mar 06, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Photo/video storage options
Replies: 11
Views: 662

Re: Photo/video storage options

Three things... One: I urge you to have your photos/videos automatically stored somewhere besides your phone and computer hard drive. I use Google Photos so can give step-by-step for it: Get a free Google account if you don't already have one Install Google Drive/Photos on your Mac Download Google P...
by PalmQueen
Wed Feb 27, 2019 12:04 am
Forum: Personal Investments
Topic: Moving from Fidelity to Edward Jones
Replies: 26
Views: 3526

Re: Moving from Fidelity to Edward Jones

Prize-worthy subject line.
This is the 8th response but over 700 people read your post in just 2 hours.

Thanks for your post with hard numbers to back up a good decision.
by PalmQueen
Tue Feb 19, 2019 12:09 am
Forum: Personal Consumer Issues
Topic: CCRCs - problems with the transition process to higher care levels?
Replies: 39
Views: 2832

Re: CCRCs - problems with the transition process to higher care levels?

newstreetnj wrote:
Mon Feb 18, 2019 9:28 pm
I do want to add that a CCRC that is owned and run by those living in it is better than a for-profit.
This has been my observation as well. And if not owned by the residents, then associated with/overseen by religious or other not-for-profit organizations.
by PalmQueen
Mon Feb 18, 2019 12:15 am
Forum: Personal Consumer Issues
Topic: CCRCs - problems with the transition process to higher care levels?
Replies: 39
Views: 2832

Re: CCRCs - problems with the transition process to higher care levels?

visualguy wrote:
Sun Feb 17, 2019 11:58 pm
Right, but what do you do if the agreement has a clause that says that the CCRC is allowed to determine the level of care? Try to find another CCRC that doesn't have such a clause?
Pretty sure they'll all have a clause to that effect. Some may be more inclined to abuse that power than others.
by PalmQueen
Sun Feb 17, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: CCRCs - problems with the transition process to higher care levels?
Replies: 39
Views: 2832

Re: CCRCs - problems with the transition process to higher care levels?

Another potential scenario, which happens more than you might imagine, is that administrators push residents into higher levels of care against their wishes in order to free up desirable independent living units for new customers. Check out this article - https://www.sandiegouniontribune.com/lifest...
by PalmQueen
Sun Feb 17, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: CCRCs - problems with the transition process to higher care levels?
Replies: 39
Views: 2832

Re: CCRCs - problems with the transition process to higher care levels?

Another potential scenario, which happens more than you might imagine, is that administrators push residents into higher levels of care against their wishes in order to free up desirable independent living units for new customers. Check out this article - https://www.sandiegouniontribune.com/lifesty...
by PalmQueen
Tue Feb 12, 2019 12:11 pm
Forum: Investing - Theory, News & General
Topic: Dividends etfs
Replies: 9
Views: 1048

Re: Dividends etfs

Getting back to the OP's question - If you're looking specifically at dividend-focused funds, check out: SCHD - Schwab US Dividend Equity ETF VYM - Vanguard Whitehall High Dividend Yield ETF They track different indexes, but results are very similar. I'm using them to counter-balance some tech-heavy...
by PalmQueen
Mon Feb 11, 2019 8:07 pm
Forum: Investing - Theory, News & General
Topic: Dividends etfs
Replies: 9
Views: 1048

Re: Dividends etfs

Is there an efficient way to identify what % of a fund's dividends are qualified? (I'm not referring to the required holding period, just the classification.) I haven't consistently seen this listed anywhere other than on fact sheets for etf.com. Thanks! Google is pretty darn efficient if you restr...
by PalmQueen
Mon Feb 11, 2019 6:52 pm
Forum: Investing - Theory, News & General
Topic: Dividends etfs
Replies: 9
Views: 1048

Re: Dividends etfs

I like VTI and VV. Both pay decent dividends, but the dividends of VV are 100% qualified dividends. Is there an efficient way to identify what % of a fund's dividends are qualified? (I'm not referring to the required holding period, just the classification.) I haven't consistently seen this listed ...
by PalmQueen
Mon Jan 28, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Subaru Windshields and Eyesight Cameras - What's your experience?
Replies: 22
Views: 2492

Re: Subaru Windshields and Eyesight Cameras - What's your experience?

I truly appreciate hearing about your experiences with Subaru as well as "smart windshields" and nuances of the safety features.

Great information!
Thank you all!
by PalmQueen
Mon Jan 28, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Subaru Windshields and Eyesight Cameras - What's your experience?
Replies: 22
Views: 2492

Subaru Windshields and Eyesight Cameras - What's your experience?

Here's a question for our Subaru enthusiasts. The Subaru Eyesight camera system impresses me so I'm looking into purchasing an Outback. It seems there are a few issues related to them and I'm wondering how big they are in the real world. Camera Lenses - They're attached to the rear view mirror and t...
by PalmQueen
Sat Jan 26, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Victim of my own success! How to deal with a complex life?
Replies: 103
Views: 9597

Re: Victim of my own success! How to deal with a complex life?

Life is certainly more complex for parents of young children. From a behavioral perspective, humans are more flexible and open to change until the age of 35. After 35, our habits have become baked into our personalities. You mentioned you were single into your late 30's. So, likely you were near or ...
by PalmQueen
Mon Jan 21, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Help me understand Google Drive
Replies: 17
Views: 1881

Re: Help me understand Google Drive

I'm a teacher and now have 2 work computers, previously I've only had one. I want to make the desktop the primary and the laptop the one I use sometimes. I downloaded Google Drive today and set it to backup everything on the desktop. I come home with the laptop and can find a file using the web bro...
by PalmQueen
Mon Jan 14, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Tips for online photography course?
Replies: 27
Views: 1241

Re: Tips for online photography course?

All great tips above - also check out KelbyOne: https://kelbyone.com/ They have several options for membership including an introductory free trial. A variety of courses on photography plus Lightroom and Photoshop, to help out with managing all those great photos once you've taken them. Membership a...
by PalmQueen
Fri Jan 11, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1278
Views: 170546

Re: Fidelity as a one stop shop

This line in the "terms and conditions" for "Fidelity Rewards Visa Signature Card" stopped me from proceeding with it - 6. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain co...
by PalmQueen
Fri Jan 11, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1278
Views: 170546

Re: Fidelity as a one stop shop

This line in the "terms and conditions" for "Fidelity Rewards Visa Signature Card" stopped me from proceeding with it - 6. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain con...
by PalmQueen
Thu Jan 10, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 14981

Re: Shingrix [Vaccine availability]

This is my understanding and experience with Shingrix -- Both the first and second dose are the same shot Recommend the second shot is administered between 2 - 6 months after the first You may (or may not) feel lousy the day after the shot so plan accordingly Some people don't have any adverse reac...
by PalmQueen
Thu Jan 10, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Good bags/containers for packing snacks?
Replies: 17
Views: 1053

Re: Good bags/containers for packing snacks?

I like "If You Care Paper Snack and Sandwich Bags". So far the big chain grocery stores don't seem to stock them, but I find them at many groceries that specialize in more natural products. If you do a search on them it should come up with stores that sell them locally. Amazon carries them also - ht...
by PalmQueen
Wed Jan 09, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 14981

Re: Shingrix [Vaccine availability]

This is my understanding and experience with Shingrix -- Both the first and second dose are the same shot Recommend the second shot is administered between 2 - 6 months after the first You may (or may not) feel lousy the day after the shot so plan accordingly Some people don't have any adverse react...
by PalmQueen
Fri Jan 04, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Need Recommendation for Paint Color
Replies: 27
Views: 1852

Re: Need Recommendation for Paint Color

I'm not the OP, but appreciate the links to the colors.
Nice colors and very helpful links.
Thank you! :happy :happy
by PalmQueen
Wed Jan 02, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: keeping warm in outside windy, freezing temperature and also inside office
Replies: 35
Views: 2337

Re: keeping warm in outside windy, freezing temperature and also inside office

OK - Ditch the denim for corduroy or wool. If you like the jean style, there are lots of options for corduroy jeans. Lined wool trousers have been a staple in my winter wardrobe for ever and ever. They'll keep you warm when outdoors, but still very comfortable indoors. I suggest starting by checking...
by PalmQueen
Fri Dec 21, 2018 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Opening a brokerage account as a trustee
Replies: 2
Views: 302

Re: Opening a brokerage account as a trustee

This is very easy to do in one step. Go ahead and open the account at the new brokerage in the trust's name. No need to start with a personal account and switch it. They will have their trust paperwork to complete and you'll need to provide documentation of the trust's existence. Usually a copy of t...
by PalmQueen
Mon Dec 17, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Nice gifts for young kids
Replies: 33
Views: 2835

Re: Nice gifts for young kids

Here's my list of toys our grandchildren really really used and enjoyed at those ages: #1: Pewi Y-Bike https://www.amazon.com/YBIKE-YPIW3-Pewi-Y-Bike-BLUE/dp/B004EIS6EQ/ref=sr_1_1?s=toys-and-games&ie=UTF8&qid=1545064922&sr=1-1&keywords=pewi%2Bybike&th=1#2: Realistic Play Food from Learning Resources...
by PalmQueen
Wed Dec 12, 2018 11:57 pm
Forum: Personal Investments
Topic: In order to not receive a dividend, what date do I need to SELL a mutual fund on?
Replies: 19
Views: 1766

Re: In order to not receive a dividend, what date do I need to SELL a mutual fund on?

On a related note - how are mutual fund capital gain/loss distributions treated if you sell before the distribution date?
by PalmQueen
Sun Dec 02, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: AMEX Car Buying Service
Replies: 3
Views: 1111

Re: AMEX Car Buying Service

I saw on the AMEX website that one of their cardholder benefits is a car buying service. It's linked to TrueCar. You provide specifications for car you want to purchase (new or used), they negotiate with local dealers (seems to apply to in-stock only) and dealers agree to accept AMEX for part of pu...
by PalmQueen
Thu Nov 29, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: AMEX Car Buying Service
Replies: 3
Views: 1111

AMEX Car Buying Service

I saw on the AMEX website that one of their cardholder benefits is a car buying service. It's linked to TrueCar. You provide specifications for car you want to purchase (new or used), they negotiate with local dealers (seems to apply to in-stock only) and dealers agree to accept AMEX for part of pur...
by PalmQueen
Sat Nov 17, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 82
Views: 8983

Re: Do I need an Amazon Echo??.....

My understanding is Amazon's Echo shines as a way to buy stuff through Amazon, while Google Home is better at searches and playing music. If you're still in the market, Google will have their normally $125 Google Home on sale for $79 for "Black Friday." Check it out here: [url]https://store.google.c...
by PalmQueen
Thu Nov 15, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: New phone suggestions? My LG V20 phone is kicking the bucket.
Replies: 22
Views: 1477

Re: New phone suggestions? My LG V20 phone is kicking the bucket.

Update: The phone operated perfectly all last night, and this morning, but now is having the screen issue again. I'll be ordering a new phone today, I'm going on a vacation in 2 weeks and need a reliable phone to use. One of the above posters had me thinking about getting a used Pixel 2 XL for $350...
by PalmQueen
Sat Nov 10, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 4538

Re: High-end Christmas decorations

If you want quality items chances are there will not be a significant sale on them after the holidays. The deeply discounted stuff you will probably think is junk. Get the necessities (tree, lights, ornaments). Stock up in the subsequent year(s). Enjoy THIS Christmas. Next year isn’t guaranteed (ju...
by PalmQueen
Sat Nov 10, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 4538

Re: High-end Christmas decorations

In response to OP's original post, today I received a catalog in the mail from https://www.grandinroad.com/ I've never purchased anything from them so can't speak to that, but the decorations in the catalog look to be high-end and attractive. We still cling to the tradition of getting a cut tree. Th...
by PalmQueen
Fri Nov 09, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Documents
Replies: 32
Views: 2861

Re: Estate Documents

I'll add one more resource in addition to the many already suggested. Schwab's public website, has a section that provides an overview of the "whys and whats" of estate planning. The page includes links to download their "Estate Planning Essentials" brochure and "Asset Inventory" template. Here's th...
by PalmQueen
Mon Nov 05, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Please help me with my car decision
Replies: 42
Views: 3634

Re: Please help me with my car decision

If I were you, I'd go ahead and get an Outback 3.5 (V6 engine) loaded with all their new safety features. Yes, you could outfit your beloved Porsche with snow tires, but that won't help if another car slips on ice and slides into you. Let it rest in the garage in snowy/icy weather. In my opinion, th...
by PalmQueen
Mon Oct 29, 2018 6:10 pm
Forum: Personal Investments
Topic: About to get 200k in inheritance.
Replies: 13
Views: 1934

Re: About to get 200k in inheritance.

I want to add that I too am sorry for your loss.

I also want to encourage you to follow the sage advice from "Watty", "pennylane" and "swampy".

I second all of their excellent suggestions and particularly caution you first and foremost:
keep your finances separate from your partner's.
by PalmQueen
Tue Oct 23, 2018 4:43 pm
Forum: Personal Investments
Topic: Need advice on managing my mother's investments
Replies: 11
Views: 1267

Re: Need advice on managing my mother's investments

Answering Question #1 from OP: 1. I think I should get a power of attorney for managing her finances, but I think we can take care of that after the transfer. What else do I need to do? Go ahead and take care of the transfer now. When you open the new accounts, there's a way your mom can give you a...
by PalmQueen
Tue Oct 23, 2018 4:30 pm
Forum: Personal Investments
Topic: Need advice on managing my mother's investments
Replies: 11
Views: 1267

Re: Need advice on managing my mother's investments

Thanks for the responses. I think I might go with the Vanguard Balanced Index Fund (VBIAX) for both her IRA and her taxable account instead of the three-fund portfolio since it would be very easy for her to understand, it has the 60/40 split that I'm looking for, and it only has a .07% expense rati...
by PalmQueen
Mon Oct 22, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 128
Views: 9102

Re: 2019 Expenses > 2019 Income – Help us close the gap

Another option is to run the numbers on the Kaiser Gold Plan you're purchasing through the CA exchange at a higher income level. You're voluntarily (artificially) capping your 2019 income in order to squeeze your health insurance costs down. You may find you a happy medium where even though you pay ...
by PalmQueen
Mon Oct 22, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 28231

Re: PSA: Don't buy a big house

dumbmoney wrote:
Mon Oct 22, 2018 10:39 am
Get a couple floor lamps for your living room and avoid heavy usage of the hard to change lights.
+1
This fix works and is elegant in its simplicity. A true BH solution.
by PalmQueen
Sun Oct 07, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3984

Re: What are your strategies when shopping for a house?

We’ve purchased many homes and only twice did we meet the sellers. That was over 40 years ago. The sellers talked up the negatives of the home as “features”. We purchased the home and loved living there even though we soon found many additional “features” they chose not to share with us. Now that I ...
by PalmQueen
Sun Sep 30, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: What should you do if you have to use Facebook?
Replies: 22
Views: 2690

Re: What should you do if you have to use Facebook?

It depends on why you have to use it, but without knowing more, my advice would be that you minimize what you use it for, carefully review the privacy settings and exercise control of your posts. Don't post publicly unless you mean / have to. Don't share with friends of friends unless you have to /...
by PalmQueen
Wed Sep 26, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: What flax seed do you buy (that is cadmium free)
Replies: 10
Views: 1438

Re: What flax seed do you buy (that is cadmium free)

Bob's Red Mill Organic Whole Ground Flaxseed Meal or Bob's Red Mill Organic Golden Flaxseed Meal They're available at many grocery stores and also online at bobsredmill.com . Once opened, I store it in the refrigerator. Neither the package nor the website has any notation about cadmium, so no help h...
by PalmQueen
Wed Sep 26, 2018 4:10 pm
Forum: Personal Investments
Topic: Non-spousal Inherited IRA
Replies: 18
Views: 1580

Re: Non-spousal Inherited IRA

Have her move the inherited IRA to Vanguard and set it up with their automatic RMD service, Couldn't be easier. We have an inherited IRA that started out much smaller than what your sister has and, even with RMDs, is now worth double what it started as. We used 100% Vanguard Total Stock Market Inde...
by PalmQueen
Wed Sep 26, 2018 4:09 pm
Forum: Personal Investments
Topic: Non-spousal Inherited IRA
Replies: 18
Views: 1580

Re: Non-spousal Inherited IRA

The money can be moved to a new account, it just needs to be in her name only. She can't co-mingle these funds with other spousal funds. I personally have a prenuptial agreement and totally separate finances from my wife, so this is a foreign topic to me. What exactly constitutes being in her name ...
by PalmQueen
Tue Sep 25, 2018 6:02 pm
Forum: Personal Investments
Topic: Non-spousal Inherited IRA
Replies: 18
Views: 1580

Re: Non-spousal Inherited IRA

There is also the consideration of keeping the funds separate from joint (spousal) ownership. that is the advantage of the inherited IRA while the money is there (if that is a concern.) Since your sister is just 30, this is a relevant point to keep in mind. Regardless of how she decides to proceed,...