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Re: Cleaning Up Acorns

Has anyone had any experience with one of these? Or know someone who has? They want $50 plus $12 for shipping but if it works as well as shown in clip might be worth it. No raking, no bending, no lifting, sounds good from here..... http://www.nutwizard.com/index.html The gardening guy on the radio ...
by Carl53
Sun Oct 12, 2014 8:19 am
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Acorns
Replies: 37
Views: 2211

Re: $400 reward to open Chase accounts

$450 now? I got so busy I didn't return to Chase branch to take advantage of the offers for the two 200.00 ones (still have those little tickets!). So now that I have inadvertently waited.... I can get $450.00? I'll have to try to make time for that, as long as I am not concerned over account safet...
by Carl53
Fri Oct 10, 2014 5:41 am
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 35
Views: 7983

Re: $400 reward to open Chase accounts

I've gotten the checking account offer in the past but never used it as I didn't want to move around my direct deposits. Received a savings account $200 offer about a month ago. Waited until early this month, so as to defer the $200 interest being posted until after the 1st of the year. On 15k, assu...
by Carl53
Fri Oct 10, 2014 5:40 am
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 35
Views: 7983

Re: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14

I had forwarded this thread to my son. He applied to consolidate his CC loans. 'Lightstream' contacted him and clarified a few things. They asked about whether he had a car loan. He told them he did but that it was already a very low rate and he was not interested in refinancing it through them. He ...
by Carl53
Thu Oct 09, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14
Replies: 49
Views: 6086

Re: Vanguard Brokerage Account for TIPS purchase?

** Carl53: Competitive & non-competitive bidders get the same price at a Treasury auction. For example at the last TIPS auction some competitive bids were as low as 0.460% (see 9/18/2014 auction results PDF file ). But everyone who bid 0.610% or less, plus the non-competitive bidders, received ...
by Carl53
Tue Oct 07, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage Account for TIPS purchase?
Replies: 6
Views: 606

Re: Vanguard Brokerage Account for TIPS purchase?

My wife and I are thinking about opening Vanguard brokerage accounts. Our initial plan is to sell some of the mutual funds in our existing Vanguard Roth and Traditional IRA's to purchase TIPS - But want to make sure we understand the ramifications. Please comment/clarify the following assumptions/q...
by Carl53
Mon Oct 06, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage Account for TIPS purchase?
Replies: 6
Views: 606

Re: Paying off a 6.5% mortgage

We claim standard deduction so we can't even take advantage of the mortgage tax deduction. I am a bit perplexed as to why you use the standard deduction on your taxes. Your current balance of $193000 at 6.5% interest incurs about $12500 in interest annually. Assuming that you are filing married joi...
by Carl53
Mon Oct 06, 2014 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3514

Re: Paying off a 6.5% mortgage

You cannot do bunching in arrears, but as Jeff noted you might benefit from doing it in future years but only if you do not pay off the mortgage. The more deductible interest you have, the greater the benefit of bunching. However, real estate taxes, state & local income taxes and donations may ...
by Carl53
Sun Oct 05, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3514

Re: Paying off a 6.5% mortgage

We claim standard deduction so we can't even take advantage of the mortgage tax deduction. Have you looked at bunching your deductions, to the extent that you can, into alternate years? This may allow you to itemize every other year, and get some significant tax savings. If your mortgage payment is...
by Carl53
Sun Oct 05, 2014 6:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3514

Re: Is my husband a spendthrift? Or I a tightwad?

P.S. If it matters: new house is 5 min away from current house. Nanny can't come with because she doesn't drive and there is no public transport to new house. Sounds as if the new house is but a couple of miles away. Perhaps you could pick up the nanny or your parents could do so when necessary or ...
by Carl53
Fri Oct 03, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15719

Re: PenFed Visa Foreign Transaction Fee

OP here. Just got back from Chile. No FT fee on purchases. I often received a conversion rate that exceeded the average of the daily high and lows posted on http://www.investing.com/currencies/usd-clp-historical-data for the day that the charge was posted. Regarding ATM use, I was a little dismayed ...
by Carl53
Mon Sep 29, 2014 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa Foreign Transaction Fee
Replies: 7
Views: 768

Re: Working & Collecting SS Benefits

Depending on her other income some of her SS income will be taxed. That said she should not wait beyond 70 as my understanding is that it would be lost and the deferred retirement credits will no longer accrue.
by Carl53
Mon Sep 29, 2014 5:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Working & Collecting SS Benefits
Replies: 6
Views: 657

Re: Refrigerator problem

Have you cleaned the dust off the coils recently?
by Carl53
Thu Sep 11, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1723

Re: College-bound teens and finances

I had my first passbook savings account when I was 12. I went on the family checking account when I was 14. My Best example of the importance of knowledge. IN 1968 The local bank at college had a sweetheart deal with some regents who got fees for serving as directors. They kept the universities mon...
by Carl53
Thu Sep 11, 2014 6:42 am
 
Forum: Personal Finance (Not Investing)
Topic: College-bound teens and finances
Replies: 35
Views: 2532

Re: Giftcards

I have a similar problem. I receive a LOT of Visa Prepaid cards from various sources. They are a real PITA as they are generally for small amounts and MUST be used online. While that sounds like a good thing, a $21 card is hard to use. If you are a regular Amazon customer, you can buy an amazon gif...
by Carl53
Tue Sep 09, 2014 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Giftcards
Replies: 14
Views: 1218

Re: Vanguard Healthcare Fund [Portfolio help]

Once upon a time, back in the 80s and early 90s, VG health fund was my retirement fund and it did very well. Now, I still hold some, less than 10% of my retirement holdings, mostly because I would hate to miss out on it doing well if it did well. This year it is doing pretty well again, but I'm not ...
by Carl53
Fri Sep 05, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Healthcare Fund [Portfolio help]
Replies: 12
Views: 985

Re: Long Layover in Miami - Recommendations

Carl: If you are in Miami on a Saturday morning, you and your friends might join me here: Castle Harbor Race Clinic Best wishes. Taylor Thank would be quite exciting, however we will be there on a Friday. I'll admit that I'm often nervous about making sure I have enough time for connections as I se...
by Carl53
Sat Aug 30, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Long Layover in Miami - Recommendations
Replies: 12
Views: 908

Long Layover in Miami - Recommendations

We'll have a long layover, about 9 hours, at Miami International, on our trip to Chile. I've looked online with nothing particularly jumping out as a must do, but thought I'd inquire of the BHs for recommendations to enjoy the stop rather than just endure it. FYI, 3 adults, and the layover is from r...
by Carl53
Sat Aug 30, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Long Layover in Miami - Recommendations
Replies: 12
Views: 908

Re: POLL: Age for Collecting Social Security Benefits

ralph124cf wrote:I'm wondering about the rationale of the 1 person who said he waited until after age 70.

Ralph


+1
There are 11 that have responded that they will wait or have waited until after 70. Just curious as to the circumstances.
by Carl53
Mon Aug 25, 2014 5:39 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7806

Re: What to consider while purchasing an existing business?

Small business non-compete agreements aren't necessarily worth anything. My spouse and a friend opened a fitness club years ago. They had a booming business for a year or so. Then one of the employees that had signed a non-compete agreement had his mother open a facility that he just happened to att...
by Carl53
Fri Aug 22, 2014 5:22 am
 
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 50
Views: 4106

Re: just out of the gate, thanks for your help

In your tax bracket, I would max out both 403(b)s before considering Roth IRAs. Maybe even your 403(b) contributions can drop you into a lower tax bracket? You should fund the HSA before the Roths, too. You will have health care expenses and the HSA is the most desirable way to pay for those when o...
by Carl53
Fri Aug 22, 2014 5:11 am
 
Forum: Investing - Help with Personal Investments
Topic: just out of the gate, thanks for your help
Replies: 11
Views: 1152

Re: Kitces - Think Twice about those Conversions

Kitces rational against Roth conversions include thoughts about future potential changes to the tax code, which he points out are not likely in any near time legislative action. Potential means of increasing income taxes are listed as follows. 1. Expand the tax base by taxing more types of income/ta...
by Carl53
Thu Aug 21, 2014 5:32 am
 
Forum: Investing - Theory, News & General
Topic: Kitces - Think Twice about those Conversions
Replies: 15
Views: 3039

Re: Reducing time spent paying bills

I have most of my bills on autopay to a 2% reward CC. That said, I often have time to prepay with discounted gift cards I buy at the local grocery and make an extra 4+% on. If I do this then the autopay is not executed by the vendor with the exception of one for which I turned off autopay. Often I h...
by Carl53
Thu Aug 21, 2014 5:02 am
 
Forum: Personal Consumer Issues
Topic: Reducing time spent paying bills
Replies: 25
Views: 1764

Re: Way to maximize Retirement Savings Contribution Credit

So basically my best bet is to wait until tax time to find out the exact figure of what will maximize her tax credit. Then we can go from there. Sounds like a good plan. If you search this forum for other threads on the topic, you'll see that sometimes there are other options that let you maximize ...
by Carl53
Wed Aug 20, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Way to maximize Retirement Savings Contribution Credit
Replies: 11
Views: 615

Re: Way to maximize Retirement Savings Contribution Credit

I believe that the Retirement Savers Credit is non-refundable. If you do not otherwise owe taxes, you do not get money back. From an earlier thread: http://www.bogleheads.org/forum/posting.php?mode=quote&f=1&p=2027258 The $1000 potential credit is a bit of a come on. Keeping your income bel...
by Carl53
Wed Aug 20, 2014 5:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Way to maximize Retirement Savings Contribution Credit
Replies: 11
Views: 615

Re: Way to maximize Retirement Savings Contribution Credit

I believe that the Retirement Savers Credit is non-refundable. If you do not otherwise owe taxes, you do not get money back. From an earlier thread: http://www.bogleheads.org/forum/posting.php?mode=quote&f=1&p=2027258 The $1000 potential credit is a bit of a come on. Keeping your income belo...
by Carl53
Wed Aug 20, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Way to maximize Retirement Savings Contribution Credit
Replies: 11
Views: 615

Re: Retirement Planning

Take a look at the link for a model by BigFoot that has had a number of positive comments in the following thread. The link is in one of the later posts in the thread. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=97352&p=2110284 Personally, unless you really want to retire at the date...
by Carl53
Wed Aug 20, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning, Conversions, SS, RMDs
Replies: 4
Views: 544

Re: Best strategy with 401K

Thanks Chan for the reply. My income is in the 28% tax bracket so I will likely not qualify for the IRA. The ER are around 0.46% in my plan vs 0.18% for Vanguard. Could you clarify why you recommend a Roth IRA? Thanks! 28% tax bracket will disqualify you for a deductible Traditional IRA, however yo...
by Carl53
Wed Aug 20, 2014 5:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Best strategy with 401K
Replies: 7
Views: 613

Re: Wash D.C. speed camera - how accurate?

Admitting to a speed in excess of the posted speed may guarantee a ticket. Years ago, my son was ticketed for speeding. He was perturbed as another car was passing him at that time. The policeman, even wrote the description of the passing car rather than his on the ticket. According to the judge he ...
by Carl53
Tue Aug 19, 2014 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Wash D.C. speed camera - how accurate?
Replies: 40
Views: 2498

Re: Roth Conversion - Old Age

OP, did your father start taking SS in the past year? If so,there may be an option to paying SS receipts back, and delaying SS for a couple of years. Not only would it get bigger, but then the conversions would not incur taxation on SS too. Right now they probably only have a little SS taxed, but wh...
by Carl53
Tue Aug 19, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion - Old Age
Replies: 31
Views: 1203

Re: Made a $50k bet on Healthcare

I've had some VG health care since 1986. Made four equal Roth conversions this year including some VG health care. Only plan to keep one. Thus far it is in 2nd place to VEMAX. BTW, it was late January before the conversions were made, otherwise health care might have been the leader.
by Carl53
Mon Aug 18, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made a $50k bet on Healthcare
Replies: 55
Views: 9382

Re: Help-Do I need a chip/pin card in europe?

I sent an inquiry to PenFed about how to force the card to go Chip/Pin vs Chip/Signature. I included much of 64415's reply in the note to them. Their response follows: Thank you for contacting Pentagon Federal Credit Union. Our Credit Card department has advised that per Visa recommendation, PenFed ...
by Carl53
Sat Aug 16, 2014 5:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Help-Do I need a chip/pin card in europe?
Replies: 22
Views: 1788

Re: Flood proofing a basement

Have you googled 'tunnel under sidewalk drainage'? Several options rather than ripping up concrete. The few I looked at might work for you even if you need to make the pipe bigger. Are there any trees nearby your drain line? If the drain line is shallow it possibly is full of roots. Several have men...
by Carl53
Fri Aug 15, 2014 6:33 am
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1881

Anyone have VG not recognize security Q today?

Today both my wife and I logged into our VG accounts about 8 hours apart. When she logged in, VG started asking her the security questions and apparently not recognizing the answers, I thought, well it has been a few months since she last logged in. After a couple of simple ID items, VG sent a one t...
by Carl53
Thu Aug 14, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone have VG not recognize security Q today?
Replies: 1
Views: 294

Interesting article on CEOs, BODs and stock performance

The following link is for a blog posting by Carl Icahn. http://finance.yahoo.com/tumblr/blog-the-bottom-line-by-carl-icahn-143353827.html From my rather limited personal experience the symbiotic relationship between the board of directors and the CEO can lead to decisions that are mutually beneficia...
by Carl53
Wed Aug 13, 2014 6:43 am
 
Forum: Investing - Theory, News & General
Topic: Interesting article on CEOs, BODs and stock performance
Replies: 1
Views: 378

Re: Advice on setting up home gym

My son used horse mats similar to this in his workout area.

http://www.ruralking.com/quality-rubber ... thick.html

I think he even put plywood down underneath it, but then he installed a rack.
by Carl53
Sun Aug 10, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1325

Re: Potato Barrel

My neighbor is delighted with the results he gets from a section of corrugated black pipe, perhaps 18 inches in diameter and 30 inches in height. He sits it on the ground, uses old clay dirt in the lower section of the pipe then adds composted material above that to perhaps a foot below the end. Ti...
by Carl53
Sat Aug 09, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Potato Barrel
Replies: 18
Views: 2088

Re: Social Security Example / ?

VA_Gent wrote:Husband:
Age:62
FRA:67
Benefit@62=$624
Benefit@67=$887

Wife:
Age:61
FRA:67
Benefit@62=$1820
Benefit@67=$2645


If their ages are 61 and 62 their FRA is 66.
by Carl53
Fri Aug 08, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Example / ?
Replies: 7
Views: 566

Re: Potato Barrel

My neighbor is delighted with the results he gets from a section of corrugated black pipe, perhaps 18 inches in diameter and 30 inches in height. He sits it on the ground, uses old clay dirt in the lower section of the pipe then adds composted material above that to perhaps a foot below the end. Tip...
by Carl53
Fri Aug 08, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Potato Barrel
Replies: 18
Views: 2088

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

I'm getting a little fatalistic about this type of thing. I saw no indication in the article that the criminals couldn't just go back into sites again and steal passwords again. I do have unique passwords for every site except the ones I don't care about, and I do check my financial accounts often....
by Carl53
Wed Aug 06, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 7975

Re: Investing for those in the 15% tax bracket

I did not see the impact of a death of a spouse on RMDs as a reason that couples in the 15% bracket might consider filling their bracket up now with Roth conversions or Roth vs traditional IRA contributions. A death of a spouse will compress the tax brackets to 'single' status. At the same time, RMD...
by Carl53
Tue Aug 05, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Investing for those in the 15% tax bracket
Replies: 38
Views: 2822

PenFed Visa Foreign Transaction Fee

A couple of years ago, I used a PenFed Visa on foreign travel. To my delight, I received 1% rebates, and no foreign transaction fees on purchases and found that certain bank ATMs would dispense cash without any additional fees, whether local or from PF Visa. While in the planning stages of another t...
by Carl53
Tue Aug 05, 2014 5:19 am
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa Foreign Transaction Fee
Replies: 7
Views: 768

Divorce and SS delay

Another ongoing thread talks about high earners and SS. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=142366 Reading it lead me to think about a hypothetical SS situation that would not apply directly to my spouse and I. If a couple with similar earnings were divorced the required two year...
by Carl53
Sun Jul 06, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorce and SS delay
Replies: 6
Views: 634

Re: Auto Accident/Insurance/Repair Question

My son just the bad news that the insurance company is only offering about 2/3 of replacement cost for his recent 'totaled'. I looked at my policy and apparently they effectively can pay trade in value. Most policies are on an ACV (actual cash value) basis. Did the carrier at least do a market surv...
by Carl53
Sat Jul 05, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Auto Accident/Insurance/Repair Question
Replies: 37
Views: 2129

Re: Auto Accident/Insurance/Repair Question

My son just the bad news that the insurance company is only offering about 2/3 of replacement cost for his recent 'totaled'. I looked at my policy and apparently they effectively can pay trade in value.
by Carl53
Sat Jul 05, 2014 7:36 am
 
Forum: Personal Consumer Issues
Topic: Auto Accident/Insurance/Repair Question
Replies: 37
Views: 2129

Re: Moving Money to V. Total Stock Market Index Fund

I would use TurboTax for 2014 in December to see how much to move. I would need to know the cost basis, so that I could figure out the long-term cap gains at that time. I would try to keep the taxes on any move close to zero. You can look up "tax-gain harvesting", too. You might have $300...
by Carl53
Mon Jun 30, 2014 4:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving Money to V. Total Stock Market Index Fund
Replies: 13
Views: 1542

Re: VISA Signature? MasterCard World

20% off movie tickets at Fandango with $25 gift cards for $20 at Fandango. Even factoring in Fandango fees, cheaper than paying the theater directly. Also have Buy 1 - Get 1 Free movie tickets on Friday. https://tickets.fandango.com/visasignature/ From their faqs page: https://a248.e.akamai.net/f/2...
by Carl53
Wed Jun 25, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: VISA Signature? MasterCard World
Replies: 8
Views: 990

Re: How much $$ to change jobs?

I forgot to add that I can't start a family unless I earn more income. I live with and am currently supporting my mum and two siblings and there isn't very much left over. Before a family I would need the extra money to move out and to ensure that I had enough to feed another mouth. So I'm in a lit...
by Carl53
Thu Jun 19, 2014 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: How much $$ to change jobs?
Replies: 52
Views: 4260

Re: Another water heater query - hybrid water heaters

Ground loop heat pumps have a range of hot water supply options. They all use desuperheaters but one that we had also would heat water as a primary load even during winter when the unit was otherwise heating the house. Many supply supplemental heat to the hot water tank but the one we had had its ow...
by Carl53
Thu Jun 19, 2014 6:00 am
 
Forum: Personal Consumer Issues
Topic: Another water heater query - hybrid water heaters
Replies: 36
Views: 3516

Re: Bringing Money to Australia - moving help!

My daughter has lived in Oz for about 4 years. I posed your question to her. Her response follows. Get a cc with no foreign transaction fees. This will help for the first few months while the wife is making purchases in Australia but paying for them from the US account. Within AU, the easiest way to...
by Carl53
Mon Jun 16, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bringing Money to Australia - moving help!
Replies: 14
Views: 672
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