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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: 14
Views: 955

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: 2302

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: 1207

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: 940

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: 871

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: 871

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: 7480

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: 48
Views: 3657

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: 1109

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: 2975

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: 1744

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: 557

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: 557

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: 557

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: 534

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: 608

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: 2434

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: 1190

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: 9208

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: 17
Views: 1201

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: 1838

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: 293

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: 373

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: 1291

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: 2052

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: 556

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: 2052

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: 7661

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: 2790

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: 3
Views: 396

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: 633

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: 2023

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: 2023

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: 1529

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: 981

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: 4216

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: 3422

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: 654

Re: Will adding [air duct] returns cool the upstairs bedroom

At this point I'm thinking my best options are ceiling fans and possibly the inline duct fans. I know nothing about the inline duct fans though...can someone tell me how this works and if it's really effective? I don't think the duct fans are your solution but ceiling fans ought to provide relief. ...
by Carl53
Sat Jun 14, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5091

Re: Will adding [air duct] returns cool the upstairs bedroom

At this point I'm thinking my best options are ceiling fans and possibly the inline duct fans. I know nothing about the inline duct fans though...can someone tell me how this works and if it's really effective? I don't think the duct fans are your solution but ceiling fans ought to provide relief. ...
by Carl53
Sat Jun 14, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5091

Re: 401K employer match. Do you have that?

Former long term employer matched first 2% at 100% and next 4% at 50% for 4% match total. We had a pension also. About 10 years ago they did away with the pension for new hires and tried to get those with future pension benefits to accept a freeze and go with a total of 7% match. It did not make sen...
by Carl53
Sun Jun 08, 2014 8:53 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K employer match. Do you have that?
Replies: 42
Views: 2310

Re: Future PenFed CD rates

Using the link provided by Sheepdog here is an interesting account of FenFed 4th quarter CD values; Total of all cd’s Quarter Amount 1 ...$5.8 billion 2 ...$5.7 billion 3 ...$5.6 billion 4....$6.5 billion (16% increase from 3rd qtr) Pentagon Federal CU Fourth Quarter Growth Jerry The 5300 report fo...
by Carl53
Thu Jun 05, 2014 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: Future PenFed CD rates
Replies: 9
Views: 1515

Re: Credit card to pay mortgage

You have to pay a fee but charge smart appears to be one of the largest sites that lets you put bills on credit cards. https://www.chargesmart.com/ Would you provide the fee structure, as their website does not? I've been too cheap to use it. I had the same thought for airline miles and points but ...
by Carl53
Tue Jun 03, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Credit card to pay mortgage
Replies: 29
Views: 3476

Re: Credit card to pay mortgage

tecmage wrote:You have to pay a fee but charge smart appears to be one of the largest sites that lets you put bills on credit cards.

https://www.chargesmart.com/


Would you provide the fee structure, as their website does not?
by Carl53
Tue Jun 03, 2014 7:14 am
 
Forum: Personal Consumer Issues
Topic: Credit card to pay mortgage
Replies: 29
Views: 3476

Re: American Made Wind Up Alarm Clock

Thanks, I am currently using one that looks just like that; it is made in China. Of course I have a couple of Very early Little Ben Westclox but they are antique and don't work, despite repeated efforts to get them to work. I personally find it fascinating that we can send men to the Moon and beyon...
by Carl53
Sat May 31, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: American Made Wind Up Alarm Clock
Replies: 9
Views: 881

Re: American Made Wind Up Alarm Clock

Look to EBAY. Its where I buy many of my made in USA items that are otherwise unavailable. http://www.ebay.com/itm/Vintage-Westclox-Baby-Ben-Wind-Up-Alarm-Clock-Metal-Works-Great-99-NR-/321415432584?pt=LH_DefaultDomain_0&hash=item4ad5da4988 You have 22 hours for this auction to end and the clock...
by Carl53
Sat May 31, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: American Made Wind Up Alarm Clock
Replies: 9
Views: 881

Re: Maxed Roth, got a new job, may exceed AGI limit.

Are you already maxing your 401k or are you eligible to participate in an FSA? If not these may allow you to reduce your AGI.
by Carl53
Sat May 31, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Maxed Roth, got a new job, may exceed AGI limit.
Replies: 6
Views: 682

Re: Beginning Investor with Unique Situation

Don't overlook the retirements saver's credit if your income bumps up slightly. See IRS Form 8880 for details, but up to 50% of contributions to retirement accounts such as a Roth for each of you, up to $2000 in contributions could reduce your federal taxes. This is a nonrefundable credit, so as lon...
by Carl53
Tue May 27, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginning Investor with Unique Situation
Replies: 39
Views: 2669

Re: Cash Advance on a credit card

Be sure you understand your cards rules before you use one in this fashion. We used a PenFed credit card successfully overseas for cash advances. PF has no foreign transaction fees and pretty good currency exchange rates. I found several banks that no extra fees on their end but others that did. So...
by Carl53
Sun May 11, 2014 5:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on a credit card
Replies: 21
Views: 1489

Re: Portfolio Comments/Recommendations

Ugly list of ERs. I'd probably just go with the lower cost 500 and midcap funds for now. One plus of changing jobs is that you could roll the 401k over to an IRA. My guess is that your plan will have a substantial charge(s) for doing that. If you decide to do that be sure to have a plan to convert i...
by Carl53
Sun May 11, 2014 5:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Comments/Recommendations
Replies: 5
Views: 878
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