Search found 7072 matches

by 123
Sat Apr 17, 2021 10:56 pm
Forum: Personal Consumer Issues
Topic: Electric Shaver Replacement Head Replacements?
Replies: 9
Views: 456

Re: Electric Shaver Replacement Head Replacements?

Not long ago I bought a new electric razor for shaving. Philips Norelco Shaver 3500 S3212/82... Phillips Norelco has a 2 year warranty on their shavers. Contact the manufacturer for a replacement under the terms of the warranty. If you are outside the Amazon return period you have to deal with the ...
by 123
Sat Apr 17, 2021 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: What are some less-stressful finance/accounting jobs for semi-retiree/retiree?
Replies: 4
Views: 403

Re: What are some less-stressful finance/accounting jobs for semi-retiree/retiree?

You could contact a temporary placement agency, like a Robert Half, for possible opportunities. Robert Half does a lot of pre-screening of both employer and potential employee so matches can be pretty good. You can get temporary assignments to check the employer out.
by 123
Sat Apr 17, 2021 10:25 pm
Forum: Personal Consumer Issues
Topic: Temp change in remote location - tell employer?
Replies: 31
Views: 2028

Re: Temp change in remote location - tell employer?

You should likely at least mention it (perhaps in passing) to your manager. Depending on the employer they may have mechanisms that monitor and detect your ip address. A different ip address could raise an issue or a security exception, depending on the employer. If you always access your employer t...
by 123
Thu Apr 15, 2021 9:30 pm
Forum: Personal Consumer Issues
Topic: Hoover Vacuum Problem (Mystery Solved)
Replies: 21
Views: 1224

Re: Hoover Vacuum Problem

At 23 years of age many of the critical parts are undoubtedly made of plastic. Possibly a sturdy plastic but plastic none the less. Twenty-three years for the plastic to warp, dry out, and crack.

I see a new vacuum in your future.
by 123
Thu Apr 15, 2021 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Another home insurance rant - do you really give them all that info?
Replies: 13
Views: 1261

Re: Another home insurance rant - do you really give them all that info?

Insurance companies have figured out that some people are more "unlucky" than others as far as likelihood of filing claims so the personal information is one thing they use to check credit information and other sources (including various claim history consolidators). If they don't have it ...
by 123
Thu Apr 15, 2021 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 101
Views: 5691

Re: Medicare Advantage - What's the Deal?

My understanding is that Medicare Advantage plans get payment from Medicare for "taking care" of Medicare enrollees. That payment is monthly and can be based on the how the enrollee is stratified based on certain health care and medical issue criteria. If the insurance company (or HMO) man...
by 123
Wed Apr 14, 2021 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone numbers on credit reports?
Replies: 13
Views: 1229

Re: Unknown phone numbers on credit reports?

JS-Elcano wrote: Wed Apr 14, 2021 12:05 pm ...but today I found two telephone numbers that I don't recognize on two of my reports. My correct phone numbers were there too...
I would be tempted to call them and find out who answers them, perhaps asking to speak to "JS-Elcano".
by 123
Wed Apr 14, 2021 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: When to take Social Security
Replies: 13
Views: 1308

Re: When to take Social Security

If you have concerns about "rule changes" for Social Security you should likely take benefits as early as possible. If the rules change they can't take away what you have already received.
by 123
Tue Apr 13, 2021 7:12 pm
Forum: Personal Investments
Topic: Getting Rid of Old Investments
Replies: 6
Views: 863

Re: Getting Rid of Old Investments

You could be surprised at how advantageous the treatment of long-term capital gains can be compared to regular income for tax purposes. Great time to sell when the market is generally high now (of course the index you likely buy is high as well). Sometimes it's a good thing to pay taxes, better than...
by 123
Tue Apr 13, 2021 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: ACH Deposit received without routing and account number
Replies: 10
Views: 1422

Re: ACH Deposit received without routing and account number

My guess is that the phone number provided the linkage necessary to direct the payment to your Alliant account through whatever service the credit unions operate. (Particularly if it was a mobile number.) From my perspective it's presumptuous of them to assume that routing the payment directly to yo...
by 123
Tue Apr 13, 2021 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Former employer won't change my employment status with 401k provider
Replies: 13
Views: 1072

Re: Former employer won't change my employment status with 401k provider

Fidelity is likely powerless to do anything to change your status without action and approval by your former employer. It might be helpful to contact the former employer and ask about your 401K status. They might have rules or procedures pertaining to vesting or periodic audits of the plan that use ...
by 123
Tue Apr 13, 2021 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 174
Views: 10316

Re: First child entering college in the fall... need some advice

At your household income level of $250K with only one child in college at a time I don't see any financial aid coming your direction. Assets not included on the initial post could further diminish opportunities for assistance. Congratulations on your self-sufficiency.
by 123
Tue Apr 13, 2021 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Medicare - just A + B?
Replies: 31
Views: 2231

Re: Medicare - just A + B?

When my uncle signed up for Medicare A+B he switched from an expensive Kaiser HMO plan that he had under COBRA to a Kaiser Medicare Advantage Plan. Kaiser seems to have Medicare Advantage Plans in many of their service areas but the prices vary. When he signed up we found that the plan was free in p...
by 123
Tue Apr 13, 2021 10:26 am
Forum: Personal Consumer Issues
Topic: 10+ year old used cars?
Replies: 54
Views: 3608

Re: 10+ year old used cars?

New cars are not important to us but I am too lazy to shop for a used car, it seems to require too much mental energy to evaluate all possible issues. So I always buy new and keep, it's easy to get 15 - 20 years out of a Toyota. With a couple of cars around the house a whiff of the new car smell eve...
by 123
Mon Apr 12, 2021 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension Plan
Replies: 32
Views: 1799

Re: Defined Benefit Pension Plan

This is a great way to turn potential long-term capital gains tax gains into ordinary income. I suspect you could afford to buy-and-hold. And you are doing this to save taxes?
by 123
Mon Apr 12, 2021 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for passing your Digital Assets upon your death?
Replies: 30
Views: 1785

Re: Strategy for passing your Digital Assets upon your death?

For financial accounts they are all set up as joint tenancy or with beneficiaries. We get paper statements for the primary purpose of any survivor to be able to identify accounts and their status. Spouse isn't very interested in it but I prepare a semi-annual spreadsheet listing all accounts, balanc...
by 123
Mon Apr 12, 2021 12:27 am
Forum: Personal Consumer Issues
Topic: What do you do with well worn clothing?
Replies: 39
Views: 3224

Re: What do you do with well worn clothing?

Our local trash service, operated by Recology, has recycling options for lots of things. For worn clothing, rags, towels, fabrics etc we are supposed to put them in a large clear plastic bag and place them in our blue recycling bin. You may want to check with your trash service to see what recycling...
by 123
Sun Apr 11, 2021 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer out from E-Trade and consolidate with Vanguard, or not?
Replies: 16
Views: 892

Re: Transfer out from E-Trade and consolidate with Vanguard, or not?

With $5M+ in assets you may be better off consolidating at Fidelity or Schwab just due to the decline in Vanguard customer service that has been noted consistently in various posts. Of course the one advantage that Vanguard has as an consolidation brokerage is that in the event of a death of an acco...
by 123
Sun Apr 11, 2021 8:22 pm
Forum: Personal Consumer Issues
Topic: Would (did) you preemptively replace your Roof Shingles
Replies: 51
Views: 3465

Re: Would you preemptively replace your Roof

We did a gut remodel on a house before we moved in. The existing roof probably had at least 5 - 10 years of life left but we didn't want to have to possibly deal with the roof replacement time symptoms (leaks) after moving in. Preemptively replacing the roof helped us to sleep well at night.
by 123
Sun Apr 11, 2021 3:51 pm
Forum: Personal Consumer Issues
Topic: Marantec: Are Rolling Code Garage Door Openers Really Necessary?
Replies: 10
Views: 1057

Re: Marantec: Are Rolling Code Garage Door Openers Really Necessary?

I've anchored on a Marantec Synergy 370B DC belt drive because it is supposedly the quietest garage door opener available today. But it doesn't have a rolling code feature which has been standard on Genie and LiftMaster/Chamberlain openers for decades ... My read of their technology pagehttps://www...
by 123
Sun Apr 11, 2021 2:31 pm
Forum: Personal Investments
Topic: transfer betterment to vanguard?
Replies: 11
Views: 1001

Re: transfer betterment to vanguard?

...Lessons learned:... 2. don't "experiment" with relatively new brokers i.e. Betterment, who do not have a proven business model (hence their periodic increases in fees). +1 With the rapid development of financial technologies we see a lot of start-ups offering very innovative services a...
by 123
Sun Apr 11, 2021 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Financing to Purchase Law Firm
Replies: 45
Views: 3698

Re: Financing to Purchase Law Firm

I'm not a lawyer but I appreciate the business side of various enterprises. In this situation I would guess that likely half of the purchase price is based on the intangible "goodwill" of the enterprise, it's reputation and brand. That's likely that part that it's hard to get financing for...
by 123
Sun Apr 11, 2021 11:20 am
Forum: Personal Consumer Issues
Topic: USPS Delivery issues
Replies: 35
Views: 2560

Re: USPS Delivery issues

I have found that USPS performs excellent for me when I send regular first class mail. It is fast and fairly inexpensive. When I've used tracking or a service like Priority Mail, which sometimes you may need to, I've often been disappointed. From my experience there's a certain magic, mysteriousness...
by 123
Sat Apr 10, 2021 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Theory: The Only Four Situations Justifying Debt
Replies: 103
Views: 7032

Re: Theory: The Only Four Situations Justifying Debt

...3. Beating a deadline to make retirement contributions or repayments... If you have to borrow to contribute to a retirement plan or make a repayment you are a lost cause. This situation is clear evidence of a lack of planning and budgeting that is likely an on-going chronic condition. Borrowing ...
by 123
Fri Apr 09, 2021 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Financing to Purchase Law Firm
Replies: 45
Views: 3698

Re: Financing to Purchase Law Firm

Unless you've got the cash, or other assets that can serve as collateral, it would seem that it might be more economically feasible to hang out your own new independent shingle elsewhere. Do you have any other professional colleagues, either at the firm or elsewhere, who have significant assets and ...
by 123
Fri Apr 09, 2021 11:00 pm
Forum: Personal Consumer Issues
Topic: Electric water heater for a confined space
Replies: 20
Views: 1260

Re: Electric water heater for a confined space

Ask your condo HOA president or member of the governing board. The same battle has likely been dealt with in other units and they may be able to give you some guidance about what works and what doesn't. Some condo associations have relationships with plumbers who are familiar with how their plumbing...
by 123
Fri Apr 09, 2021 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: In-Laws' HOA demanding $8000 lumpsum payment
Replies: 91
Views: 10535

Re: In-Laws' HOA demanding $8000 lumpsum payment

Another potential deep-pocket to consider is the real estate agents and/or brokers involved on both the buyer's and seller's side.

If it was a "for sale by owner" (FSBO) this is one of the risks the buyer may potentially have to bear.
by 123
Fri Apr 09, 2021 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security decsion
Replies: 7
Views: 906

Re: Social Security decsion

...is there any reason either one should take Social Security before they are forced to do so because of age? No one is every forced to take Social Security. You can totally ignore it if you wish. You can sign up for Medicare at 65 without signing up for monthly benefits. If you want part B of Medi...
by 123
Fri Apr 09, 2021 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help with making large mortgage principal payment
Replies: 9
Views: 785

Re: Help with making large mortgage principal payment

Send a check in the mail with a note on the check and a separate letter with the check that it is an extra payment to be applied to the principal of the loan. Or you could contact your mortgage servicer and ask them for the method that works best with them. Sending a paper check is the only pay to c...
by 123
Fri Apr 09, 2021 3:31 pm
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 56
Views: 4574

Re: The Great Swing Set Dilemma

I guess somebody still makes simply swingshttps://www.amazon.com/KLB-Sport-Frame-Metal-Swing/dp/B07TF56G1B/ref=sr_1_46?dchild=1&keywords=swing+set&qid=1617999538&sr=8-46 I'd suggest a simple swing (preceding link) and a playhouse like https://www.amazon.com/Backyard-Discovery-Timberlake-...
by 123
Fri Apr 09, 2021 12:35 am
Forum: Personal Investments
Topic: Help! Vanguard lost my money in a 403b trustee transfer
Replies: 9
Views: 1652

Re: Help! Vanguard lost my money in a 403b trustee transfer

If the third party administrator for the 403b plan is Newport Group on both sides of the transfer you should focus your efforts on them. I suspect Vanguard is just the custodian and that all the paperwork goes through the Newport Group as the administrator of the plans. You likely need to hold Newpo...
by 123
Thu Apr 08, 2021 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Upgrade current home or move - financial variables
Replies: 10
Views: 845

Re: Upgrade current home or move - financial variables

What if the housing market and economic conditions aren't as "rosy" over the next 7 years? What is the net impact if no increase in value of property or there is a 10% decline in local property values? There's nothing wrong with improving your home or buying another one. It just gets hard ...
by 123
Thu Apr 08, 2021 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: when to claim social security: self and spouse
Replies: 8
Views: 703

Re: when to claim social security: self and spouse

If you don't need the money the best option might be to start collecting it ASAP. If you invest the payments you start to receive it's possible that the investment returns (after taxes) would increase your income more than waiting out the actuarial tables like common folk. There's a lot of time betw...
by 123
Thu Apr 08, 2021 12:08 am
Forum: Personal Investments
Topic: HELP - How to Allocate $5M in retirement funds
Replies: 19
Views: 3238

Re: HELP - How to Allocate $5M in retirement funds

I like retired@50's recommendations. To reiterate and take it further: 1. Make Roth 100% Total Stock Market 2. Rollover the 401K account into the IRA account (merging them to simplify) 3. Invest the merged IRA account 100% in VBIAX Vanguard Balanced Index Fund (60% Stocks- 40% Bonds) VBIAX is low ex...
by 123
Wed Apr 07, 2021 8:45 pm
Forum: Personal Consumer Issues
Topic: Windows 7 key fraud?
Replies: 17
Views: 1839

Re: Windows 7 key fraud?

...I looked it up, and it turns it that after 180 days, this "license" is going to run out. Did I just buy a laptop without a legitimate Windows 7 key? Perhaps it will automatically renew the activation when the license runs out? I would rather not be dependent upon some third party holdi...
by 123
Wed Apr 07, 2021 8:30 pm
Forum: Personal Investments
Topic: Why not use cash for RE rentals?
Replies: 29
Views: 2457

Re: Why not use cash for RE rentals?

While college towns have traditionally been good for rental income opportunities I think the jury may still be out on whether any pandemic reimagining of university education will change things. Students will always want to get "away" to campus. I don't know if things get very virtual they...
by 123
Wed Apr 07, 2021 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: how to avoid probate
Replies: 9
Views: 982

Re: how to avoid probate

As already mentioned used POD/TOD/beneficiaries on all financial accounts can make things really easy for survivors. This works well as long as all the inheritors are adults and you timely adjust things for marriages/divorces/deaths that happen along the way. It is important to periodically (maybe e...
by 123
Wed Apr 07, 2021 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a paycut for a more stable state job (CA)?
Replies: 76
Views: 4740

Re: Taking a paycut for a more stable state job (CA)?

Sometimes working in a government job (city/county/state) can be pretty boring. We've got a relative who switched to a government job for the pension plan. He looked forward to the holidays and vacation days as his favorite perk. But he soon found out that the standard in his department was to minim...
by 123
Wed Apr 07, 2021 5:06 pm
Forum: Personal Consumer Issues
Topic: Gmail asking for birthdate
Replies: 14
Views: 1674

Re: Gmail asking for birthdate

It's can be useful to have one or more alternate birthdays that you can use for inconsequential places that ask for it. Usually they may want to verify that you're over some minimum required age, 13, 18, 21 or whatever. So, depending on your age, pick an alternate birthday for these situations and s...
by 123
Wed Apr 07, 2021 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tax bill split between spouses
Replies: 81
Views: 4277

Re: Tax bill split between spouses

Marriage is about equal sharing, so share the tax brackets as they are. Calculate your taxes 2 times. First time calculate the total tax due based on her income times two (you both are equally sharing the lower tax brackets). She is liable for half of the total tax under that calculation. That half ...
by 123
Tue Apr 06, 2021 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise?
Replies: 10
Views: 733

Re: Asking for a raise?

If you have 20 direct reports it's time to look for a position elsewhere. Twenty direct reports overwhelms a manager with pedestrian administrative and HR issues, there is not time to establish innovative goals and train staff towards them. You can't shine as a manager with 20 direct reports, you're...
by 123
Tue Apr 06, 2021 11:19 pm
Forum: Personal Investments
Topic: Self-managed 3 Fund or Life Strategy vs Vanguard PAS for 80 year old
Replies: 12
Views: 1215

Re: Self-managed 3 Fund or Life Strategy vs Vanguard PAS for 80 year old

I would recommend Vanguard LifeStrategy Moderate Growth at 60/40. It's cheaper than PAS and if he has everything in a single fund he get automatic free rebalancing without any tax consequence!
by 123
Tue Apr 06, 2021 9:22 pm
Forum: Personal Investments
Topic: What to do with inherited Nuveen muni bonds
Replies: 9
Views: 788

Re: What to do with inherited Nuveen muni bonds

If they were mine I would sell all three Nuveen funds now. Because they are inherited any gain or loss is long-term. From this point I think there is a higher likelihood that the share price will likely decline due to rising interest rates than the reverse. The potential decline in share price due t...
by 123
Tue Apr 06, 2021 4:06 pm
Forum: Personal Investments
Topic: Financial advisor help
Replies: 22
Views: 2118

Re: Financial advisor help

The problem with seeking an "Adviser" for guidance on investment or real estate purchases is that often that is just an announcement of ignorance that the "Adviser" exploits. In recent years advisers have even modified their approach to provide "education" instead of a ...
by 123
Tue Apr 06, 2021 10:10 am
Forum: Personal Consumer Issues
Topic: Safe and secure car sale
Replies: 12
Views: 803

Re: Safe and secure car sale

...Someone who is in the country illegally may never register the car so keep this paperwork indefinitely since the car could be in a wreck five years from now and you may need to be able to prove that you sold it... I sold a vehicle and two years later I got follow-up letters for some out-of-state...
by 123
Mon Apr 05, 2021 3:50 pm
Forum: Investing - Theory, News & General
Topic: How to reallocate without selling?
Replies: 19
Views: 2074

Re: How to reallocate without selling?

Stop automatic reinvestment on (all) investments and use those funds for rebalancing. Since you never know what way the markets will go in any particular period having a pool of funds available to rebalance with can be useful. One way to reduce the need for rebalancing is to do less slice-and-dice. ...
by 123
Mon Apr 05, 2021 12:10 am
Forum: Personal Investments
Topic: What do you think should my allocation to equities be
Replies: 6
Views: 717

Re: What do you think should my allocation to equities be

Based on your description of your situation I think you are doing well. As a conservative 50/50 seems acceptable. My only concern might be where/what equities you hold to ensure that they are diversified. Edited to add: I glanced through some of your earlier posts and it seems like your investment s...
by 123
Sun Apr 04, 2021 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Should I opt for deferred compensation ? seeking advise
Replies: 31
Views: 3087

Re: Should I opt for deferred compensation ? seeking advise

IIRC the distributions from a deferred compensation plan are taxed as ordinary/regular income. As a result if you invest in equities in a deferred compensation plan you will not have the advantages of long-term capital gains treatment of any gains on equity investments in the account. So the taxes o...
by 123
Sat Apr 03, 2021 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-IPO stock titled as community property, then re-titled, do we retain LTCG status?
Replies: 1
Views: 283

Re: Pre-IPO stock titled as community property, then re-titled, do we retain LTCG status?

... For IRS federal LTCG purposes, what will be the date of these shares? Will they be: 1. The date I originally exercised the Incentive stock option 2. The date they were originally retitled from solely in my name to JTWROS? 3. The date they were retitled back to solely my name? Ie, 2021?... The c...
by 123
Fri Apr 02, 2021 11:13 pm
Forum: Personal Investments
Topic: Lump sum vs. Annuity...it's time to decide - need some help!
Replies: 26
Views: 2491

Re: Lump sum vs. Annuity...it's time to decide - need some help!

If you take the lump sum you are "ahead" for over 19 years based on a constant dollar. I would take the lump sum. Interest rates are at historic lows so actuarially computed pension lump sums tend to be high, its a good time to take the lump sum. If interest rates were higher the lump sum ...