Search found 890 matches

by Theseus
Sat Apr 10, 2021 8:50 am
Forum: Investing - Theory, News & General
Topic: FSMAX Shows 6% Loss Today?
Replies: 39
Views: 2508

Re: FSMAX Shows 6% Loss Today?

Capital-gains distribution, perhaps partly due to it having to sell it's TSLA holdings this year as it entered the S&P500. You learned an expensive tax-lesson... this is why you should use ETFs in taxable (except for Vanguard funds that have an equivalent ETF and can avoid cap-gains distributio...
by Theseus
Sat Apr 10, 2021 7:29 am
Forum: Investing - Theory, News & General
Topic: FSMAX Shows 6% Loss Today?
Replies: 39
Views: 2508

FSMAX large capital gain distribution

[Thread merged into here --admin LadyGeek] This extended market index fund just issued over 5% long term capital gain distribution. I can’t seem to figure out what caused it. I have owned it for over 13 years and usually it’s less than 1%. It must be due to change in the underlying index compositio...
by Theseus
Wed Mar 24, 2021 10:05 pm
Forum: Personal Consumer Issues
Topic: Whole house humidifier recommendations
Replies: 14
Views: 853

Re: Whole house humidifier recommendations

Where I live in the winter in the Midwest, about 35% moisture is the maximum I can achieve because my HVAC blower just doesn't run long enough to achieve higher humidity. (The humidifier only adds moisture if the HVAC fan is running.) I had the same exact issue for years until I installed ecobee th...
by Theseus
Wed Mar 24, 2021 11:26 am
Forum: Personal Consumer Issues
Topic: Whole house humidifier recommendations
Replies: 14
Views: 853

Re: Whole house humidifier recommendations

Is mold a risk with whole house humidifier, and have any of you ever had problems like that which were caused by them? We've been thinking about installing. Never had that problem. But our house is fairly airy. And if you have one with automatic humidistat based shutoff then I doubt that will be a ...
by Theseus
Wed Mar 24, 2021 7:33 am
Forum: Personal Consumer Issues
Topic: Whole house humidifier recommendations
Replies: 14
Views: 853

Whole house humidifier recommendations

Our builder grade Aprilair humidifier broke after 14 years (actually cracked the motor housing and fan came off). So looking to replace it with something significantly better. I have heard of steam based units being better and efficient. Has anyone any experience with them and have a recommendations...
by Theseus
Sat Mar 13, 2021 8:59 pm
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 149
Views: 9604

Re: What are your travel plans in 2021 and beyond?

International travels are just not predictable right now.

So I am doing a week of hiking in Sedona. A week of biking in Santa Fe.

And then family trip Jackson, Tetons, Yellowstone, Glacier national park.

Will probably go to White mountains to hike again in the fall.
by Theseus
Tue Mar 02, 2021 7:58 pm
Forum: Personal Consumer Issues
Topic: Personal trainer on Zoom: good idea? And if so how much should I pay?
Replies: 30
Views: 1740

Re: Personal trainer on Zoom: good idea? And if so how much should I pay?

I have begun exercising at home and I was thinking of getting some classes on Zoom from a kind of personal trainer. I've been following one on Twitter and I contacted him.  He says he charges $150 per session (I think for about 20 minutes/half an hour). What do you think, is that reasonable? He is ...
by Theseus
Sun Feb 28, 2021 4:42 pm
Forum: Personal Consumer Issues
Topic: 6 days in Flagstaff in the end of March
Replies: 18
Views: 1820

Re: 6 days in Flagstaff in the end of March

OP, it is always important to consider what the weather can or can't be in relationship to your trip in regard to the time of year you are going (end of March). The key factor is elevation. Looked some numbers up for you to help put it into context for March: Sedona @ approx 5000 ft elevation avera...
by Theseus
Fri Feb 26, 2021 12:57 pm
Forum: Personal Consumer Issues
Topic: 6 days in Flagstaff in the end of March
Replies: 18
Views: 1820

6 days in Flagstaff in the end of March

I googled forum already but didn't find what I am looking for. I am hiking in Sedona area for 4-5 days and then I have about 6 days free. So I am looking for recommendations on some active/semi-active things for a solo traveler. I have been to Grand Canyon before but I may make a day trip again. Bes...
by Theseus
Sat Feb 20, 2021 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Who has the claim for his life insurance?
Replies: 11
Views: 903

Re: Who has the claim for his life insurance?

I'm not sure why you think the beneficiaries don't have the claim on the life insurance policy??? From what I know it was an oversight of not updating the policy as everything else was moved to joint ownership. And from what I read, it seems like community property law takes precedent over benefici...
by Theseus
Sat Feb 20, 2021 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Who has the claim for his life insurance?
Replies: 11
Views: 903

Re: Who has the claim for his life insurance?

I'm not sure why you think the beneficiaries don't have the claim on the life insurance policy??? From what I know it was an oversight of not updating the policy as everything else was moved to joint ownership. And from what I read, it seems like community property law takes precedent over benefici...
by Theseus
Sat Feb 20, 2021 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Who has the claim for his life insurance?
Replies: 11
Views: 903

Who has the claim for his life insurance?

A friend passed away. Residence of a Community Property law state. - Revokable living trust with his spouse such that everything owned jointly in the trust and passed to each other upon death. - The life insurance is listed in the Schedule A - assets of the Trust. - Pour Over Will directs all his pr...
by Theseus
Thu Feb 18, 2021 10:42 am
Forum: Personal Finance (Not Investing)
Topic: How should I spend all this money?
Replies: 72
Views: 9065

Re: How should I spend all this money?

You have a lot of extra money and now you are trying to decide how to use that extra money to bring joy in to your life. Scholarships, charities, boats, watches or rescue dogs will not do it. Most people expect form (in this case money) to bring them joy by exchanging it for another form (charities...
by Theseus
Wed Feb 17, 2021 6:25 pm
Forum: Personal Consumer Issues
Topic: Clothing subscription service for men
Replies: 27
Views: 2327

Re: Clothing subscription service for men

Buy a uniform (shirt, jeans, etc) and wear the same clothes everyday. No stress, no energy wasted on another decision. I like to dress nice for me. Just don’t know how. So this is actually energy saver. 😀Otherwise I have to go to a mall and browse all kinds of stuff and pick things that would be mo...
by Theseus
Wed Feb 17, 2021 4:20 pm
Forum: Personal Consumer Issues
Topic: Clothing subscription service for men
Replies: 27
Views: 2327

Re: Clothing subscription service for men

Buy a uniform (shirt, jeans, etc) and wear the same clothes everyday. No stress, no energy wasted on another decision. I like to dress nice for me. Just don’t know how. So this is actually energy saver. 😀Otherwise I have to go to a mall and browse all kinds of stuff and pick things that would be mo...
by Theseus
Wed Feb 17, 2021 4:17 pm
Forum: Personal Consumer Issues
Topic: Clothing subscription service for men
Replies: 27
Views: 2327

Re: Clothing subscription service for men

So stichfix stuff came. I hated everything and quality is really bad. Everything going back and then cancelling the subscription.
by Theseus
Tue Feb 16, 2021 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: How should I spend all this money?
Replies: 72
Views: 9065

Re: How should I spend all this money?

Now retired, I struggle with moving my spending patterns from acquisition to distribution. I've always been thrifty, so splurging on almost anything is hard for me. My savings exceed my needs by a lot. I donate to charities and families in need and help my children and support causes and organizati...
by Theseus
Fri Feb 12, 2021 5:32 pm
Forum: Investing - Theory, News & General
Topic: Are Any Financial Subscriptions Worth It?
Replies: 58
Views: 4875

Re: Are Any Financial Subscriptions Worth It?

Scooter57 wrote: Wed Feb 10, 2021 6:20 pm That is an offer that was tailored to you. When I go to subscribe.wsj.com I get offers for 12 weeks for $12 or $19.50 a month for six months
Google this. You shogun get a link.

wsj $4 a month
by Theseus
Mon Feb 08, 2021 7:40 pm
Forum: Personal Consumer Issues
Topic: Washing machine decision/feedback - GE GFW850SSNWW vs. LG WM4000HWA
Replies: 30
Views: 2331

Re: Washing machine decision/feedback - GE GFW850SSNWW vs. LG WM4000HWA

I would never buy anything GE again. We have their profile series appliances starting in 2006. All had problems repeatedly. Some of them poor engineering or manufacturing quality. Several of friends also in the same boat.

GE doesn’t represent the quality it once did. Sad.
by Theseus
Sat Feb 06, 2021 9:38 am
Forum: Personal Investments
Topic: Tell me about your experience with CrowdStreet
Replies: 11
Views: 1304

Re: Tell me about your experience with CrowdStreet

You have to be selective as CS sometimes seems to have a flood of proposals to consider. But if you are disciplined, they will serve up deals that probably sit in your investing sweet spot. In that regard, I probably passed on 85% of what has been presented. And there have been lots of temptations ...
by Theseus
Fri Feb 05, 2021 6:39 pm
Forum: Personal Consumer Issues
Topic: Clothing subscription service for men
Replies: 27
Views: 2327

Re: Clothing subscription service for men

Buy a uniform (shirt, jeans, etc) and wear the same clothes everyday. No stress, no energy wasted on another decision. I like to dress nice for me. Just don’t know how. So this is actually energy saver. 😀Otherwise I have to go to a mall and browse all kinds of stuff and pick things that would be mo...
by Theseus
Fri Feb 05, 2021 6:31 pm
Forum: Personal Consumer Issues
Topic: Clothing subscription service for men
Replies: 27
Views: 2327

Re: Clothing subscription service for men

Buy a uniform (shirt, jeans, etc) and wear the same clothes everyday. No stress, no energy wasted on another decision. I like to dress nice for me. Just don’t know how. So this is actually energy saver. 😀Otherwise I have to go to a mall and browse all kinds of stuff and pick things that would be mo...
by Theseus
Fri Feb 05, 2021 6:04 pm
Forum: Personal Consumer Issues
Topic: Clothing subscription service for men
Replies: 27
Views: 2327

Re: Clothing subscription service for men

I'm too cheap to do this as a normal course of business, but a friend of ours uses it so much she had StitchFix $100 promo codes, so I gave it a go. It was kind of fun, and I actually wound up keeping everything they sent. With the $100 discount it was a good enough deal, and the clothes were exact...
by Theseus
Thu Feb 04, 2021 6:41 pm
Forum: Personal Consumer Issues
Topic: Clothing subscription service for men
Replies: 27
Views: 2327

Clothing subscription service for men

Anyone using any of the services that send you curated clothing based on your taste and style. I hate going to shopping malls. And I have a fashion sense of a cockroach - so anything they send will be an upgrade :D . I thought this might be something I can use. Most of the services are monthly subsc...
by Theseus
Wed Feb 03, 2021 1:02 pm
Forum: Personal Consumer Issues
Topic: What are your DIY Home and Hobby Projects to Save $$$ and/or Have Fun?
Replies: 105
Views: 8479

Re: What are your DIY Home and Hobby Projects to Save $$$ and/or Have Fun?

And most importantly, put in Internet accessible garage door opener---so I don't have to drive back home to PROVE that I shut the door. Much less, VERY MUCH LESS, than a divorce. :moneybag Hilarious. I wish there was something for gas cooktops. We have to drive back to check if the stoves were turn...
by Theseus
Sat Jan 30, 2021 4:45 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Investing for young people
Replies: 6
Views: 813

Re: Boglehead Investing for young people

MrBobcat wrote: Sat Jan 30, 2021 4:43 pm I suspect this is what you're thinking of.

https://www.etf.com/docs/IfYouCan.pdf
Yes !!!. This is what I had sent her. Thank you!
by Theseus
Sat Jan 30, 2021 4:41 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Investing for young people
Replies: 6
Views: 813

Boglehead Investing for young people

A couple years ago I came across a PDF referenced on this site that was a nice and short version of Bogleheads investing for young professional starting out. At that time I sent it to DD. Who finally is asking me to send it to her again(yay!!!). Alas, I didn't save the PDF - nor do I remember the au...
by Theseus
Tue Jan 26, 2021 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Buying AirPods with 529 money?
Replies: 23
Views: 2380

Re: Buying AirPods with 529 money?

An old boss used to tell me, whenever I tried doing things he didn't like, "Let your conscience be your guide." :wink: "What is a conscience! I'll tell ya! A conscience is that still small voice people won't listen to. That's just the trouble with the world today." -Jiminy Crick...
by Theseus
Tue Jan 26, 2021 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Buying AirPods with 529 money?
Replies: 23
Views: 2380

Re: Buying AirPods with 529 money?

Ha! Ha! Why not $5 wired earphones? Or $10 bluetooth earbuds? Now that I use AirPods for my video calls they make it a lot easier to move around - especially if you are on calls all day long you need some mobility. I personally would never go back to wired versions. But good question on $10 bluetoo...
by Theseus
Tue Jan 26, 2021 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buying AirPods with 529 money?
Replies: 23
Views: 2380

Re: Buying AirPods with 529 money?

Personally I don't think Air Pods are much of a stretch this year, where a lot of classes are online. Most kids would need some form of headphones/earbuds for computer use, and I don't think the 529 rules rules exclude extravagant purchases (e.g., Stanford tuition or Air Pods). And 529 rules don't ...
by Theseus
Tue Jan 26, 2021 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying AirPods with 529 money?
Replies: 23
Views: 2380

Re: Buying AirPods with 529 money?

Just saying, if the kid replaces it with their own money I guarantee they will never get lost. I know what you are saying and I agree. But that’s a separate issues. Besides they were stole than lost. This happened last semester. Maintenance person came to fix something and after that she couldn’t f...
by Theseus
Tue Jan 26, 2021 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Buying AirPods with 529 money?
Replies: 23
Views: 2380

Buying AirPods with 529 money?

DD is in college and lost her AirPods we had purchased for her. Need to buy another pair. She uses them for her online classes. Am I able to use 529 money for this?
by Theseus
Thu Jan 21, 2021 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire Parents: Do Your Kids Know You're Rich?
Replies: 194
Views: 11097

Re: Millionaire Parents: Do Your Kids Know You're Rich?

We are rich by traditional financial standards. But our children do not know the details. Our lifestyle is comfortable, but we spend no where near what we could be spending without ever running out. When older D was in the 5th grade, a boy in her class was bragging that his dad was a millionaire. I ...
by Theseus
Thu Jan 21, 2021 1:00 pm
Forum: Personal Investments
Topic: I have learned my lesson. No more preaching finances to my friends or family
Replies: 119
Views: 14470

Re: I have learned my lesson. No more preaching finances to my friends or family

Some people have fear (rational or irrational) of doing it themselves. Some people are too busy. Some people are nervous looking at the numbers. They rather pay someone to do it for them. There is nothing wrong with going to a fiduciary planner in such a case. But they should educate themselves none...
by Theseus
Tue Jan 19, 2021 9:36 pm
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 341
Views: 25975

Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?

I mow my lawn. I like gardening/landscaping and have a small yard so it's no big deal. But the reason I'm really posting is that I had a big success yesterday. My fridge (20 year old GE Profile side-by-side) wasn't cooling properly. I diagnosed the problem (Google search), ordered the part from Ama...
by Theseus
Sun Jan 17, 2021 5:17 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 186
Views: 16434

Re: Where do you buy coffee beans?

What specific brand, bean and roast do those of you with a superautomatic use? I love dark, robust coffee, and have been very happy with the Mayorga Cafe Cubano from Costco for the last several years. However, I understand you cannot use oily beans in a superautomatic, so I'm seeking a suitable rep...
by Theseus
Fri Jan 15, 2021 5:25 pm
Forum: Personal Investments
Topic: Thoughts on investing in Pre-IPO Companies?
Replies: 44
Views: 4445

Re: Thoughts on investing in Pre-IPO Companies?

I've never been on the investor side. But I've been an angel/seed employee at several startups. One of which later became "IPO of the year." And another is now a unicorn. My take is that money can be made. But it's made by the actual angel or VC investors. Those investors are purchasing p...
by Theseus
Wed Jan 13, 2021 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Identity Protection PIN
Replies: 100
Views: 6062

Re: IRS Identity Protection PIN

obafgkm wrote: Wed Jan 13, 2021 4:54 pm I was able to voluntarily receive a PIN today for the first time. I had already signed up for an account at irs.gov a couple years ago.
How is the account sign up process? Is it too complicated?
by Theseus
Tue Jan 12, 2021 11:18 am
Forum: Personal Finance (Not Investing)
Topic: IRS Identity Protection PIN
Replies: 100
Views: 6062

IRS Identity Protection PIN

I am always concerned about fraudulent filing by someone else. So I found this while talking to IRS about something. https://www.irs.gov/identity-theft-fraud-scams/get-an-identity-protection-pin Has anyone gotten the PIN? Is there any disadvantage in signing up for this? I am thinking of signing up ...
by Theseus
Thu Jan 07, 2021 8:08 pm
Forum: Personal Consumer Issues
Topic: products with useful lifetime warranties
Replies: 48
Views: 2498

Re: products with useful lifetime warranties

Delta faucets. I have had them supply parts several times four our kitchen faucets that are heavily used. The model is discounted but they still supply parts free of charge no questions asked. My hiking shoes made gortex had water leaking. Called gortex and they paid me (via PayPal ) for a new pair....
by Theseus
Thu Jan 07, 2021 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: College refunding 529 money to personal account
Replies: 11
Views: 1045

Re: College refunding 529 money to personal account

If you don't want to redeposit it - if the refund is small you could spend it on a new laptop for DD or other education needs. Amount will be about $2k. She does want a new MacBook Pro. So that’s a good idea. Pretty sure @SmileyFace is your DD 😀. She deserves it. Besides I made a lump sum contribut...
by Theseus
Wed Jan 06, 2021 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: College refunding 529 money to personal account
Replies: 11
Views: 1045

Re: College refunding 529 money to personal account

SchruteB&B wrote: Wed Jan 06, 2021 5:20 pm You can recontribute it to the 529 within 60 days.

https://www.savingforcollege.com/articl ... y-529-plan

(Interestingly, the recontributed amount will now all be considered “contribution”)
Thank you for this link. This is exactly what I needed.
by Theseus
Wed Jan 06, 2021 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: College refunding 529 money to personal account
Replies: 11
Views: 1045

Re: College refunding 529 money to personal account

If you don't want to redeposit it - if the refund is small you could spend it on a new laptop for DD or other education needs. Amount will be about $2k. She does want a new MacBook Pro. So that’s a good idea. Pretty sure @SmileyFace is your DD 😀. She deserves it. Besides I made a lump sum contribut...
by Theseus
Wed Jan 06, 2021 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: College refunding 529 money to personal account
Replies: 11
Views: 1045

Re: College refunding 529 money to personal account

SmileyFace wrote: Wed Jan 06, 2021 5:48 pm If you don't want to redeposit it - if the refund is small you could spend it on a new laptop for DD or other education needs.
Amount will be about $2k. She does want a new MacBook Pro. So that’s a good idea.
by Theseus
Wed Jan 06, 2021 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: College refunding 529 money to personal account
Replies: 11
Views: 1045

College refunding 529 money to personal account

So DD will be starting the last semester in Spring. College is asking a full semester fee payment, despite that DD is reducing credits she will be taking. College is saying that they will issue a refund at a later date. But here is the rub. The tuition money goes directly from 529 plan to the DD's c...
by Theseus
Tue Jan 05, 2021 8:56 am
Forum: Personal Consumer Issues
Topic: ISP monopoly
Replies: 20
Views: 924

Re: ISP monopoly

Can anyone here shed light on why some ISPs are allowed to run monopolies in some towns? Or maybe a better question is why competitors do not offer service in certain cities and towns? I live in a densely populated suburb north of Boston and our only option for high speed internet is Comcast/Xfinit...
by Theseus
Sun Jan 03, 2021 9:06 pm
Forum: Personal Consumer Issues
Topic: Summer 2021 travel?
Replies: 81
Views: 5386

Re: Summer 2021 travel?

We have 5 vacations planned in the coming 12 months, including 2 international. I've never let an endemic respiratory virus stop my travel before, and I don't intend to now. I've noticed in our trips over the last 9 months that there are lots of like-minded folks having a great time out there. If y...
by Theseus
Fri Dec 25, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Model for Roth conversion
Replies: 15
Views: 1140

Re: Model for Roth conversion

I struggled with this a lot. My situation was a little more involved as I was trying to align charitable giving along with Roth conversion for the best tax treatment. And finally just used estimates income from different categories in my TurboTax 2019 edition to run various scenarios to see what mar...
by Theseus
Tue Dec 22, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: MacOS Backup Software Problem
Replies: 23
Views: 1209

Re: MacOS Backup Software Problem

I ignored Timemachine failures on my MacBook Pro for months (this backs up to my NAS at home). Should have called Apple support. Well, the laptop died - actually the hard disk (SSD) died. Luckily I also have iCloud back up. But I had to get a new hard drive. Apple wanted to charge almost $500. But ...
by Theseus
Tue Dec 22, 2020 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a new business
Replies: 24
Views: 1515

Re: Starting a new business

Get a score mentor. www.score.org. If you are not happy with the one assigned to you, ask for a different one until you find one that you feel compatible with. And then stick with them. She/he should help you write a business plan as well as guide you in variety of situations. It’s all free and the...