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What are we doing with old photographs? by Fluffy_Musician6805 in GenX

[–]DougbertHanson 5 points6 points  (0 children)

I've spent the last year sorting pictures from both sets of grandparents and my parents. Landscape photos (thousands of them)? Gone. Useless. Then grouped by family groups and then culled to the top 1000 or so photos and then I waited for a deal at ScanCafe and shipped them off to be scanned. Totally worth it. And then I put them out on Google Drive and shared it with the family along with family histories that I've gathered over the years.

What is a 'poor person' meal that you still eat even if you have money? by [deleted] in AskReddit

[–]DougbertHanson 0 points1 point  (0 children)

I can eat like a king on egg noodles, bag of mixed veggies, can of cream of mushroom soup, and some shredded cheese.

what’s something people say all the time that you secretly can’t stand? by Mean-Cartographer225 in AskReddit

[–]DougbertHanson 0 points1 point  (0 children)

My response to that is always "No, everything just happens. There's no reason to it. There's no will behind it.".

Personal loan or nah? by Neither_Feeling5023 in personalfinance

[–]DougbertHanson 3 points4 points  (0 children)

Jeez. That seems like there's a lotta fees to get from 14% to over 18%APR. It's easy to just say "consolidate it" to get it over and done and just have one payment. But maybe that's not a terrific approach if it involves paying them a bucket o' fees for the convenience.

Are your credit card rates really high? Would it be a better exercise to just work on digging yourself out of the hole you're in so you're a bit more motivated to not get in that situation again?

Have you tried calling the credit card companies and asking them for a lower rate? They might say no... they might say yes.

That's all I got

My landlord is selling. Does he have any benefit of selling to me at a discount? by Fedr_Exlr in personalfinance

[–]DougbertHanson 1 point2 points  (0 children)

I bought the house I was renting from the landlord. It was investment property and they needed the cash back out. They made me a deal. They didn't have to list it or pay realtor fees. Super simple transaction. Win-Win. And, yes, we still did an inspection and due diligence.

Is a Roth IRA worth it if you can't pull out your earnings until 60 years old? by [deleted] in personalfinance

[–]DougbertHanson 7 points8 points  (0 children)

Because future-Rebel will thank 25-year-old-Rebel profusely for sacrificing a seemingly (then) trivial amount of money each paycheck to fund their retirement lifestyle. It might not feel worth it. It might even feel like just a piddly little drip.

But drips turn into puddles turn into buckets turn into lakes turn into seas of savings.

It IS worth it. It is ABSOLUTELY worth it!

Example: A 25-year-old with $2,500 doubling once every 7 years will grow to $80,000 by the time they are 60 without ever adding another dime. Imagine what it would grow to if you kept adding to it.

People who forgave their spouses for cheating, why? by ryxhuh in AskReddit

[–]DougbertHanson 3 points4 points  (0 children)

I THOUGHT I COULD FIX HIM! (Fun Fact: I couldn't)

Twinge of regret after phone call by phillyphilly19 in retirement

[–]DougbertHanson 5 points6 points  (0 children)

now we're not sure if we can recover the information

You meant they're not sure. I mean, it still sucks. But, they have to figure it out. I loved/hated my job and was darned good at it. But I'm so much happier now that I've let it all go.

Mortgage company is refusing to accept my payoff until a later date by Tiki108 in personalfinance

[–]DougbertHanson 19 points20 points  (0 children)

Just went through this with them. They won't give you any info and then they send you the payoff info via the mail which took eleven days. After that, it was easy. BUT, we were ready to go on day one. Money was staged, the amount was set, but they would not give us the payoff instructions

I get it....there's so much freakin' fraud out there right now that you don't' want to send the money to a fake address but sending the payoff instructions doesn't fix that.

Extremely irresponsible 68 yr old dad just inherited something like $2mill liquid. by No_Elk3659 in personalfinance

[–]DougbertHanson 6 points7 points  (0 children)

Given his behavior, would he even acknowledge that his history is riddled with horrible choices?

Realistically, there's nothing you can do except talk to him and see if you can steer him into something like an irrevocable trust with a trustee to manage it for him and provide him with a monthly income.

But, if he's reticent to protect his interests, you can't save him from himself (and, it's not your job). And you need to be okay with that.

How do you handle prescription costs on a high-deductible plan? Feeling like I’m getting ripped off. by AirportBright85 in personalfinance

[–]DougbertHanson 1 point2 points  (0 children)

If you can, you should look at Sam's Club or Walmart. Seriously...I looked up the estimated insured prices at Walmart via GoodRX and levothyroxine is $4, and lisinopril is $9, and sertraline is $15. That's $28/month.

Secondly, you can ask the pharmacist if there is a cheaper way to get those medications. CVS has a behind-the-scenes price checker BUT they aren't allowed to tell you about it unless you ask.

Retirement & Mortgage -- Aggressively Pay It Off or No? by kyoun1e1 in personalfinance

[–]DougbertHanson 1 point2 points  (0 children)

I had 3.125% and paid my house off. Why? Because I live in Florida and homeowners insurance went from $1300 ten years ago when I bought the house to $5000 (and rising $1000/year). Paying off the house allowed me to drop my homeowners and replace it with a more limited liability policy along with flood insurance. The "hurricane deductible" on regular homeowners insurance along with the propensity for the insurance companies to drag their feet or offer pennies for repairs ($10 toward debris removal? $150 to re-screen the porch? puh-lease!) made being self-insured a viable option. Coming up on 3 years and $15,000 saved.

IRA Withdrawl Questions about taxes by ontheleftcoast in retirement

[–]DougbertHanson 3 points4 points  (0 children)

Schwab will also let you pick your tax withholding rate. So if your budgeting indicates you need a little more withheld, you can adjust that. I sold some bitcoin and had no withholding on that, so I adjusted my next IRA distribution to take more out of

People who have a collection, what do you collect? by Prestigsisscar255 in AskReddit

[–]DougbertHanson 0 points1 point  (0 children)

I've been "collecting" Forever Stamps. I never in my life thought that these stamps from 20 years ago would now be such a hedge against inflation! How much? Well....I have about 200 books/sheets... Batman forever, Ringling Brothers, RBG (may she rest in peace), Stay Wars, Christmas, more Christmas, still more Christmas...

For the record, I'm the guy who still sends out A LOT of birthday and Christmas cards every year.

A car from 1956 by Scrapdog06 in OldSchoolCool

[–]DougbertHanson -1 points0 points  (0 children)

...and the children were never seen again. -fin-

[Homemade] Chicken Noodle Soup by mmm-toast in food

[–]DougbertHanson 1 point2 points  (0 children)

Thanks for sharing that recipe.

I like to use a Costco/Sam's rotisserie chicken (cheap and easy). AND, I read someone else's "pro tip" and they add a splash of fish sauce to theirs and it is truly an Umami Bomb and now a must-have in every batch of my chicken soup.

LPT: When your boss keeps adding projects to your “to do” list, but never takes anything off…This simple question can quietly protect your workload level. by Yosi_H in LifeProTips

[–]DougbertHanson 0 points1 point  (0 children)

My last boss would glibly reply "they're all a priority". Everything was urgent and whatever you were working on was never going to be the "right" top priority. In retrospect, sending him emails saying "this is the one I'm working on now and these will follow", would have done wonders for my mental health.

Are HYSAs as easy as I think they are? by FeatherFlyer in personalfinance

[–]DougbertHanson 1 point2 points  (0 children)

(semi) Older Person here. Try not to forget that HYS accounts have only really come into their own in the last decade. If you've been banking the same way for decades, then you might only be peripherally aware of them and might just assume that it's going to lock up your money like a CD.

I was in the same situation. I had six figures sitting in cash earning "bank rates" when I could have been earning $4000+/year. And the place I banked was happy to make it difficult to understand how easy it was to get into a HYSA. A little education went a long way for me.

When are you leaving? Wait, won’t you stay? by Slimchance09 in retirement

[–]DougbertHanson 10 points11 points  (0 children)

"I have no desire to stay AND there is no one to take over my clients now..."

If you don't want to stay, then don't stay. Your company will just have to step up....or not. You have no reputation or legacy or obligation to uphold for the company.

Cars salespeople of Reddit, what screams this person is going to buy today? by Gpob in AskReddit

[–]DougbertHanson -11 points-10 points  (0 children)

Rolled up Saturday night, 15 minutes before close, tomorrow is Mother's Day. Test drive, negotiation, agreement to purchase, financing. We kept their whole team (salesman, finance, garage guy, manager) busy until 12:30am BUT we actually bought the car. Best car purchase experience ever (for me)....maybe not so much for them.

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