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ResearchMed

What is that coverage line item about "building ordinance or law"? Ordinance or law covers increased construction costs due to stricter building codes. 10% is standard. Farmers allows you to drop the coverage for a small reduction in premium. It is a bad idea to do this unless the house i...

ResearchMed

What is that coverage line item about "building ordinance or law"?

RM

ResearchMed

Like many families, we're looking forward to getting to the beach this summer after being holed up all of 2020. We'll drive, not fly. We've been very conservative up to this point with Covid but we're optimistic for this summer. I've never purchased trip insurance but was curious if there was a pro...

ResearchMed

You have a house that has appreciated 25%?

If prices come down, likely that your home value will, too.

RM

ResearchMed

Three quick thoughts: You mention that something like arbitration wouldn't be needed, but also that Uncle might be concerned about how much he gets. What happens to Aunt if this works well enough that she is out of the regular work place for an extended time? Will/might she have trouble getting a jo...

ResearchMed

I have a lot of suits,dress shirts,ties and shoes that I have not worn for over a year due to covid, wearing scrubs to hospital and office, more casual wear when going out etc. I thought there were organizations that would accept donations of these items for young men starting out to wear to job in...

ResearchMed

If not a duplex as suggested above, then how about - still recognizing that this may be a longer term 'family housing' situation than you would have preferred - then find place to buy where there is enough land to add a small "annex". That can later serve as a guest suite, nanny/housekeepe...

ResearchMed

Under normal times, often using miles with partner airlines result in better value s. Using United miles on United flights may be worse than using on one of the partner airlines. [emphasis added] There are partner networks that can often be far more valuable than using the awards on the carrier tha...

ResearchMed

Also, if you aren't familiar with various types of accommodations, speaking with a travel agent might be useful in terms of learning about choices. For example, you might want 4 separate rooms. Do you want them to connect (interior connecting, not needing to go out to common areas)? Sometimes multi-...

ResearchMed

There may be some third party travel agents that offer perks at certain hotels/resorts. IF so, that could cover breakfast each day, which is one of the better perks in some cases. The $XXX credit is usually per reservation/room, and not per night, so it's not worth that much for a longer stay. But n...

ResearchMed

Nope.

RM

ResearchMed

Two thoughts: 1) Rent a small apartment near your new home for them. Will there be anything walking distance, or at least a very short drive? Does your FIL drive? 2) Renovate a basement, one that has a separate entrance(!). It could later be a guest suite or level for teens. And given housing costs,...

ResearchMed

I know it sounds silly, but how do I check what my employer offers? I've switched companies a handful of times, but I never checked what they would offer post-leaving, as I was always switching to the next gig w/ health insurance. I briefly browsed around our internal benefits site but I didn't see...

ResearchMed

I would use the IRS withholding calculator, each of you do the calculation as if you were single or MFS. Withhold the exact amount needed. Then, since filing MFJ would create a refund, use that refund to do something fun together, like a weekend getaway (or a fancy dinner, not sure how much money w...

ResearchMed

We will be flying to Turks & Caicos in August. Does anyone know if they require Covid tests before or after the trip? You should check with their official website. The USA State Department also has information, but I wouldn't trust that as the final word. But note: Depending upon disease circum...

ResearchMed

I would use the IRS withholding calculator, each of you do the calculation as if you were single or MFS. Withhold the exact amount needed. Then, since filing MFJ would create a refund, use that refund to do something fun together, like a weekend getaway (or a fancy dinner, not sure how much money w...

ResearchMed

This is really on OP, and travel insurance with CFAR (Cancel For Any Reason) would probably have been the best thing, given the vagaries of such insurance covering "not being able to go" but not being sick, etc. (That could depend upon insurer, obviously. Some insurers last year were not c...

ResearchMed

The allure of the new place is ---- well it's a smaller company (100) and I feel I can make more impact/ have more autonomy. Also, after so many years at the current place, I do a lot of various maintenance tasks/ garbage collection work and it would be refreshing to cut bait. Don't forget that you...

ResearchMed

I'd recommend that you first figure out what the least amount of taxes that you can (legally!) owe. That's probably going to MFJ. Then... perhaps allocate that amount proportionately. This might be that 4:1 ratio that you have both agreed to. ETA: I'd like to edit, based upon reading some of the sub...

ResearchMed

Father is late 60s and recently retired. Will receive pretty close to max Social Security at age 70. Has a sizable portfolio that should only require 3% or less SWR after accounting for SS. Has a balanced 60/40 portfolio. So financially they’re in great shape. He’s unfortunately going through quite...

ResearchMed

I just checked, and our Zillow estimate went *down* by a fairly large amount (more than I used to see it going up at any single time). But at least this makes partial sense. I think the Zillow estimate is waaaay high. It's considerably above the Redfin estimate, and even that I wonder about. And we ...

ResearchMed

Another consideration is whether you would even want to file a claim for "smaller losses". Those could affect your insurance rates going forward, or even get you cancelled, depending upon amounts and frequencies. We have elected not to make any claims where the amount of the insurance reim...

ResearchMed

Jacqueline du Pre, playing Dvorak's cello concerto, 1968.

Daniel Barenboim (her husband) was conducting.

Amazing to hear - and to watch.

RM

ResearchMed

So, we're talking $140 over 7 months? Can you put this money back into your rental unit? A new nicer Microwave? Or if you were gonna replace an appliance or something - go for an "upgrade"? putting in a nicer garage door opener? Or can you do some maintenance things (like replace lights) ...

ResearchMed

Here is how I understand it. Your first RMD is for 2021. You are allowed to delay that first one until the following April without paying a penalty. But you will also have an RMD for 2022. So if you delay the first one, you will be taking two RMDs in 2022. And keep in mind that the doubled RMD amou...

ResearchMed

Hello Bogleheads, DW left her employer a couple of years ago and hasn't done anything with her traditional pre-tax 401k (at Merril Edge). Her 401k appears to have been actively managed--at least at some point--because she's invested in more than a dozen funds with very high expense ratios (> 1% for...

ResearchMed

I just removed a pedestal sink (porcelain). We are replacing it with a new vanity. How does one go about disposing the sink? Set it out on the curb on trash day? Something else? Thanks in advance! Ryan Is it intact? If so, then try setting it out by the curb *before* trash day. You might be surpris...

ResearchMed

The downside to increasing my ownership: It's not liquid, I can sell but it would take a few months. With stock I can have money tomorrow. it is a business and any business can fail. There are some instabilities in the hospital marketplace. I have zero control over decisions and directing the busin...

ResearchMed

I don't know the answer but my first thought was about your credit limit. If you're applying for two loans, wouldn't that mean you would have to qualify for both loans independently? Also why waste the additional application fee and appraisal fee? My understanding from several years ago is that mor...

ResearchMed

We do apply with more than one lender. It was "just in case", such as "what if the banker got hit by the proverbial bus" the day before closing (or whatever glitch might happen). And yes, we paid fees for both. What we did not expect was that the lenders started to underbid each ...

ResearchMed

Just did a "wilf" around the real estate listings for my suburb. And as expected there are an astonishing amount of listings for houses in the 500K range - and then the majority in the 300 to 400K range. What caught my attention was the number of apartment buildings 3 flats and 6 flats th...

ResearchMed

Definitely don't donate. If you want to give, give your time to charity. I volunteer at an animal rescue. As for what to spend money on, I tried to snag a pair of Satan shoes yesterday and failed. If you want to see what really rich people spend money on, check out Architectural Digest on YouTube. ...

ResearchMed

How much to withdraw in retirement 28% said that financial experts would recommend a withdrawal rate of 10 to 15% of retirement savings every year, a withdrawal rate that would use up one’s retirement savings quickly. Withdrawing that amount would be far above the suggested rate of 4 to 6 percent a...

ResearchMed

Complicated! First, how difficult have the past 2 years been? Has it been getting better/are you *both* adjusting? Or is it getting just too, too difficult (or similar)? Second... about that wonderful health insurance for life. Yes, that is a real plus, no question. However, how sure are you (you pr...

ResearchMed

Was there a requirement to have a certain balance at Schwab?

And any idea if they offer this for refinancing or just "cash out"?

RM

ResearchMed

Are there any special legal protections in your state that apply to IRA's that are rolled over from an employer plans that are not available to plain vanilla IRAs?

If so, that would be lost if you combine the accounts.

RM

ResearchMed

I would start with at least two professional appraisals. Thank you for responding. It's a small close-knit community where news travel quickly. And, while I would hope that professional appraisers would keep it confidential, I am cautious about revealing information to strangers. The last thing I n...

ResearchMed

A lot here on BH is about SWAN - Sleeping Well At Night.

That needn't be only about finances.

Fnding another way to send the money (just ask?) is the right thing to do.
SWAN

RM

ResearchMed

We just re-watched some ballet, including a short clip of Rudolf Nureyev and Margot Fonteyn in their pas de deux from Giselle. She is incredibly graceful, does some amazing flutters with her feet, and seems to have no bones in her arms. But HIM... Those jumps and <scissor kicks or whatever they're c...

ResearchMed

Another "yes" vote, if it is affordable. But do seriously think about adding at least a small shower, if you add the lav part. Will you ever be having friends or family stay, for more than one night? Once you are already putting in the plumbing, flooring/walls/etc., this is the time to add...

ResearchMed

I think it is generally hazardous to generalize on the basis of personal, anecdotal information, like saying the entire market in NoVa can be in a bubble based on the list price of one house in McClean, Virginia, or based on the trend of multiple over-asking price offers on single family homes in V...

ResearchMed

About any "state guarantees" for annuities and TIAA Traditional Annuity... Would this apply to only any amount of Trad Ann that is actually *annuitized"? Or is any holding in Trad Annuity covered, liquid or not? And what about those CREF "annuity" funds, such as CREF Stock? ...

ResearchMed

You also might want to ask the attorney whether all of those taxes that you (and only you) paid would give you any claim to more than 50% of the current total. This is but one of the questions that the attorney can answer. I would at the very least want to know this before offering any 50/50 split. RM

ResearchMed

Get it. It's usually a cheap inspection on top of a regular home inspection ($100?) and termites can be found in most US states. I've completely bailed on property purchases before due to termite issues that were not obvious to the untrained eye. While your contract with the seller may vary, it's g...

ResearchMed

I'd like to ask more about the " or " vs. " and " with JTWROS, both of which have been mentioned above. Are there really two different types of "joint", using the same terminology? IANAL, and in my very limited reading, I can only find definitions/examples of the "...

ResearchMed

OP, from the beginning of this thread I've thought that you are going about this all wrong. That the answer was to try to reconcile with your relative. You've indicated that is very unlikely. I think you are allowing emotion to overrule logic and you are also making this into a catastrophe when it ...

ResearchMed

We had a similar situation. A tile guy told us to find nail polish that matched the tile color. It was definitely the dodgiest possible solution, but was easy and it didn’t look horrible. Really - what an idea. Heh. I might give that a try, if I can find the right shade. RM If there is any foot tra...

ResearchMed

quantAndHold wrote: ↑Wed Mar 24, 2021 7:21 pm We had a similar situation. A tile guy told us to find nail polish that matched the tile color. It was definitely the dodgiest possible solution, but was easy and it didn’t look horrible.

Really - what an idea. Heh.

I might give that a try, if I can find the right shade.

RM

ResearchMed

When was this?

If very recent, then please consider waiting a bit before accepting any offer/settlement. Just in case there is some soft tissue damage that starts to cause pain, you should be able to recover money for any therapy needed, as well as perhaps some token for pain and suffering, etc.

RM

ResearchMed

I've heard a version of this many times and I don't quite understand what it means to "miss the best days." How is the calculation done? Does "missing the best days" mean buying in after an up day? So, for example, you sell your stock at $100 by market timing, but the stock goes...

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