Search found 202 matches

Go to advanced search

by cleosdad
Sun Apr 26, 2015 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio + Tax Concerns
Replies: 13
Views: 866

Re: Vanguard Portfolio + Tax Concerns

Hello, Looking for help in getting my portfolio under control. I've moved everything over to Vanguard recently. Details below. Emergency funds: $480k cash (not at Vanguard, split across savings accounts) Debt: Personal Home = Paid Off (worth $350k), Investment Property (worth $300k) = $175k mortgag...
by cleosdad
Thu Mar 26, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Huge Tax Bill !!
Replies: 13
Views: 3019

Re: Huge Tax Bill !!

Flashes1 wrote:A wise man once told me to never skimp on medical advise, legal advise......and tax advise. You may want to find a good tax guy. That's what wealthy people do.

How about advice?
by cleosdad
Fri Feb 13, 2015 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Amica burned me, now what...
Replies: 43
Views: 5003

Re: Amica burned me, now what...

Funny how just this week I decided to cancel my Amica policy - after how many years (something like 10 or 11) of good service from them. I found out that my next-door neighbor was getting his homeowner's insurance from Erie (a small insurer that covers only 12 states), and was very pleased. Did an ...
by cleosdad
Mon Feb 09, 2015 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Roth contribution question
Replies: 6
Views: 440

Re: Roth contribution question

And can I contribute to my Roth based on her $3000 income? "Yes If you’re married and you file a joint return, you can make a regular contribution to a Roth IRA even if you have little or no qualifying income. Solely for the purpose of determining how much you can contribute to an IRA, you’ll ...
by cleosdad
Tue Jan 20, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation & taxes
Replies: 7
Views: 689

Re: Asset allocation & taxes

There's a very common misperception, so common nobody should feel bad about having shared it - I personally certainly did - that there exists a fundamental difference between a Roth and a traditional IRA (or 401(k)). They turn out to be equivalent, if we hold all other factors equal, as one would t...
by cleosdad
Sat Jan 17, 2015 11:30 am
Forum: Investing - Theory, News & General
Topic: Are there any advisors on this site?
Replies: 30
Views: 2641

Re: Are there any advisors on this site?

I don't think Mike Piper is an investment/financial advisor, just an author/blogger. The others recommend something more complicated than three funds to clients, I believe. That said, I don't want to speak for any of them, just pointing out my observations, which may be wrong. As pointed out above,...
by cleosdad
Sat Jan 17, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: Are there any advisors on this site?
Replies: 30
Views: 2641

Re: Are there any advisors on this site?

I don't think Mike Piper is an investment/financial advisor, just an author/blogger. The others recommend something more complicated than three funds to clients, I believe. That said, I don't want to speak for any of them, just pointing out my observations, which may be wrong. As pointed out above,...
by cleosdad
Sun Jan 04, 2015 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Keep making IRA contributions? Backdoor Roth?
Replies: 3
Views: 624

Re: Keep making IRA contributions? Backdoor Roth?

His IRA $12K in fund of funds Her IRA $194K in fund of funds His Simple IRA $22K It looks like his IRA total is 12k+22k = $34k (what is the difference in these two IRAs? Are they Traditional, SEP, and SIMPLE IRA accounts) Her IRA is $194k When filing your income taxes, the money you convert will be...
by cleosdad
Fri Jan 02, 2015 11:15 am
Forum: Investing - Theory, News & General
Topic: Eight Lazy Portfolios. Eight roads to Dublin.
Replies: 14
Views: 2526

Re: Eight Lazy Portfolios. Eight roads to Dublin.

Bogleheads: Paul Ferrell is a senior investment columnist for MarketWatch who prefers "Lazy Portfolios." Below are ten-year annualized returns ending today for 8 portfolios recommended by 8 different investment authorities.[/u] Aronson Family Taxable ------------6.62% Fundadvice Ultimate ...
by cleosdad
Fri Dec 19, 2014 3:05 pm
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1451

Re: Denver area ski in/out lodging?

Anon1234 wrote:
cleosdad wrote: PM me if you need to. Tim


Tim, No need to keep it between us. Please share your knowledge in the thread.

Okay go to Copper Mountain.
by cleosdad
Fri Dec 19, 2014 10:56 am
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1451

Re: Denver area ski in/out lodging?

We have our first family ski trip to Denver area in late January - Early February. I'm stumped with lodging. Do you have advice or recommendations for us? I have been looking at Breckenridge, but I could go to Copper Mountain, Keystone, Winter Park or Vail. Prefer not to drive farther than Vail. I ...
by cleosdad
Thu Dec 04, 2014 12:12 pm
Forum: Personal Consumer Issues
Topic: tipping rubbish pickup people and letter carriers
Replies: 56
Views: 3881

Re: tipping rubbish pickup people and letter carriers

Mail carriers working for the United States Postal Service are allowed to accept the following items during the holiday season: Snacks and beverages or perishable gifts that are not part of a meal. Small gifts that have little intrinsic value (travel mugs, hand warmers, etc…) and are clearly no mor...
by cleosdad
Fri Nov 14, 2014 11:21 am
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 5348

Re: Consider freezing your credit

If the crooks already know your SSN and where you live, etc., can't they also unfreeze your credit? No, because there is a password needed to unfreeze. (This is also why you need to unfreeze it yourself; when you apply for credit, you give the bank your SSN, address, salary, etc., but the bank can'...
by cleosdad
Wed Nov 12, 2014 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Confused by FEHB & Medicare
Replies: 16
Views: 797

Re: Confused by FEHB & Medicare

Re-posting the above Checkbook article. The above-link is not good. https://sites.google.com/site/narfechapter135/home/a-pay-raise---finally Thank you for the link. It's good to know, even though I don't need this information yet. If I had to decide today, I'd get all three, i.e., Medicare Part A, ...
by cleosdad
Wed Nov 12, 2014 11:42 am
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 21
Views: 2863

Re: Puerto Rico

Culebra > Vieques >>>> Mainland Puerto Rico Seriously, stay a day or two on the mainland if you must but spend the majority in the Spanish Virgin Islands Vieques is one of my favorite vacation spots. Yes we took the ferry over to snorkel. We stayed in Rincon and hiked the rain forest. If we ever go...
by cleosdad
Wed Nov 12, 2014 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Confused by FEHB & Medicare
Replies: 16
Views: 797

Re: Confused by FEHB & Medicare

Re-posting the above Checkbook article. The above-link is not good. https://sites.google.com/site/narfechapter135/home/a-pay-raise---finally Thank you for the link. It's good to know, even though I don't need this information yet. If I had to decide today, I'd get all three, i.e., Medicare Part A, ...
by cleosdad
Tue Nov 11, 2014 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Confused by FEHB & Medicare
Replies: 16
Views: 797

Re: Confused by FEHB & Medicare

Yes I chose GEHA Standard. They actually pay more than I expected. My opinion is that the insurance companies are willing to waive deductibles and co-payments since our selection of Part B is voluntary, and if we chose not to have Part B, it would cost them much more. They are providing an incentiv...
by cleosdad
Tue Nov 11, 2014 12:01 pm
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 21
Views: 2863

Re: Puerto Rico

Sounds like good advice above. All I can add is that you can do all of Old San Juan, including a fort tour, in less than 1 day. I agree. We went last spring. One day in San Juan was enough for me. Saw the fort and toured the city. Very congested and some of the worst driving I have ever seen. Just ...
by cleosdad
Tue Nov 11, 2014 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Confused by FEHB & Medicare
Replies: 16
Views: 797

Re: Confused by FEHB & Medicare

I'm a federal retiree. I retired at age 57. I had FEHB and paid the premium just like I always did when working, with the exception of payments being made monthly instead of bi-weekly. When I turned 65 and became eligible for Medicare, I chose to participate in Part B. I did not have to, but to del...
by cleosdad
Wed Nov 05, 2014 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 40
Views: 3885

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

I have GEHA but not HDHP. I'm satisfied with the way they handle claims and their service in general. My situation is different however. I'm retired and use GEHA as a backup to Medicare. Sbashore, I am retired with BCBS Basic and Medicare. Was thinking about switching to GEHA. Any thoughts? Am also...
by cleosdad
Sun Nov 02, 2014 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Policy Increased 26% in 2 Years
Replies: 29
Views: 2750

Re: Homeowners Policy Increased 26% in 2 Years

....This year, every State Farm customer in NC is getting a "Consent to Rate" form that allows them to charge more than the rates set by the NC rate bureau. If you don't sign the form you will be dropped. It's a scam. ...... Whoa, really? I'm in NC and have State Farm and haven't gotten a...
by cleosdad
Tue Oct 14, 2014 9:30 am
Forum: Personal Consumer Issues
Topic: Renting a car at St. Louis Airport
Replies: 11
Views: 739

Re: Renting a car at St. Louis Airport

Needing to fly out to St. Louis early Wed. morning and (of course) I am aghast at the daily car rental rates (I'll be there 4 days) at the airport quoted by the major carriers and through travel sites. Any idea on how to save here (i.e., any cheaper rental places near the airport that I could taxi ...
by cleosdad
Fri Sep 26, 2014 10:15 am
Forum: Personal Consumer Issues
Topic: Any Jeep enthusiasts? They seem to retain their value
Replies: 25
Views: 2894

Re: Any Jeep enthusiasts? They seem to retain their value

Well I took the plunge. We bought a 2000 Jeep Wrangler Sport with 88k miles on it for $11,500. It's in great condition and a ton of fun to drive! Direwolf, That's great. I have a 2001 Wrangler Sport with 80,000. It is in great condition and I love it. Glad to see it is worth that much but I will no...
by cleosdad
Thu Sep 25, 2014 9:59 am
Forum: Investing - Help with Personal Investments
Topic: What 3 funds should I have in my taxable account?
Replies: 8
Views: 1556

Re: What 3 funds should I have in my taxable account?

VTI - Vanguard Total Stock Market ETF (or VTSAX ) VWIUX - Vanguard Intermediate-Term Tax-Exempt Bond Fund Investor Shares (tax-exempt for investors in higher tax brackets) VXUS - Vanguard Total International Stock Market ETF (or VGTSX , but VXUS has a lower ER) Oldzey, Just a small correction. Tota...
by cleosdad
Fri Aug 01, 2014 10:12 am
Forum: Personal Consumer Issues
Topic: Can't decide final New Construction Option for Master Bath
Replies: 16
Views: 1114

Re: Can't decide final New Construction Option for Master Ba

Why can't you do exactly what you want? Are these the builder package limitations? Talk to the builder about other possibilities... I would go for Option 2 and skip the tub unless you or the other Master wants a tub. And get the tile you want or you will always regret it. Make sure they use Kerdi w...
by cleosdad
Sat Jul 26, 2014 10:44 am
Forum: Personal Consumer Issues
Topic: How to fix pop-up sprinkler head?
Replies: 13
Views: 1011

Re: How to fix pop-up sprinkler head?

Pull out the insides before you screw it in and turn on the water for a moment to remove any dirt. Put in shaft and spring and you are good to go. Usually you can just remove the nozzle and filter, not the whole head, when flushing the line. s.s. you are correct. I always replace the whole unit. Th...
by cleosdad
Sat Jul 26, 2014 10:22 am
Forum: Personal Consumer Issues
Topic: How to fix pop-up sprinkler head?
Replies: 13
Views: 1011

Re: How to fix pop-up sprinkler head?

It is fixed. It is about six inches long with a spring around it. They are easy to replace. Unscrew the whole unit. Take it to Home Depot and buy similar one (Rainbird and others). I do this all the time. Pull out the insides before you screw it in and turn on the water for a moment to remove any d...
by cleosdad
Mon Jul 21, 2014 10:16 am
Forum: Personal Consumer Issues
Topic: Recommendations for red oak hardwood sealer?
Replies: 4
Views: 467

Re: Recommendations for red oak hardwood sealer?

Toxic (either you are not living there or not worried about the smell)- Glitsa Multikote Pretty bomber- make sure to use proper applicator, holds up well, your brain will wonder what happened, floor looks good, more time to dry between coats, and more time until you can use the space Low Toxic Bona...
by cleosdad
Mon Jul 14, 2014 5:31 pm
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 6303

Re: america the beautiful national parks and lands pass

Good strategy. OP doesn't state his age, but if he's nearing 62, he'll be eligible for a $10 lifetime pass, so that may need to be considered as well. The senior pass is one of the best bargains that I've ever run across. Perhaps the best strategy is to go to tons of them as a kid (free until 15), ...
by cleosdad
Sun Jul 13, 2014 9:26 pm
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 6303

Re: america the beautiful national parks and lands pass

If you were "supposed" to buy a pass they'd ask for it on the way out. Or leave a box saying "leave your $25 here and leave the pass on your windshield." (lots of fee areas work this way.) Or a sign saying, "Nobody here right now, please pay on your way out." None of t...
by cleosdad
Sun Jul 13, 2014 10:34 am
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 6303

Re: america the beautiful national parks and lands pass

I spend a lot of time in the National Parks. Here's a little known secret. You don't need a pass to get in. I'm not kidding. All you need is the willingness to either arrive before or after dark. They don't man those booths 24/7. I bet I only pay about a third of the time. Since the pass went up fr...
by cleosdad
Wed Jul 02, 2014 12:34 pm
Forum: Personal Consumer Issues
Topic: Best Kayak Trailer
Replies: 7
Views: 604

Re: Best Kayak Trailer

I will be interested to see if this thread has legs. I am 64 and lift a 50 fishing pound kayak on top of a full size passenger car and get the job done though I sometimes wish it weighed a bit less. However, I am finding myself lusting for a larger and heavier kayak that I know that I couldn't get ...
by cleosdad
Wed Jul 02, 2014 10:23 am
Forum: Personal Consumer Issues
Topic: Best Kayak Trailer
Replies: 7
Views: 604

Re: Best Kayak Trailer

I'm looking for the best kayak trailer to pull behind my truck. I'm 62 now and putting them on top of the truck has become more difficult. I've looked at several and will be buying one that folds for storage when not in use. The Yakima Rack and Roll has good reviews but I wanted to know if any bogl...
by cleosdad
Fri Jun 20, 2014 10:13 am
Forum: Personal Consumer Issues
Topic: 2013 RAV4 design flaws
Replies: 15
Views: 1725

Re: 2013 RAV4 design flaws

Latest Consumer Reports summary rates Honda CRV transmission much better than average for the last 6 years. The Honda CRV is a recommended "buy". RAV 4 is not a recommended "buy" due to insurance evaluation of safety failure for offset collisions. Also notes "cheap" in...
by cleosdad
Thu Jun 19, 2014 9:56 am
Forum: Personal Consumer Issues
Topic: 2013 RAV4 design flaws
Replies: 15
Views: 1725

Re: 2013 RAV4 design flaws

My wife and I looked at both the Toyota RAV4 and the Honda CRV last year. We ending up buying the Honda CRV and a very satisfied with it. Reasons for choosing the Honda CRV: - Very solidly built car with an adequate engine. RAV4 seemed cheap and flimsy. Lots of engine noise due to undersized engine...
by cleosdad
Sat Jun 14, 2014 9:37 am
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 3178

Re: Peppy V6 With Good Fuel Economy

As others have indicated. Your problem is not the 4-cyl engine. It is the 1992 technology. Test drive a newer Honda or Toyota and you will be amazed at the difference. Jeff Totally agree. This coming from an old gear head who raced muscle cars. Just got back yesterday from Frisco Co. Driving wifes ...
by cleosdad
Tue Jun 10, 2014 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Another two-comma club member
Replies: 30
Views: 3489

Re: Another two-comma club member

Comma comma comma comma ca comma comma, yeah, yeah, yeah, yeah, yeah! Nothing like a little Jimmy Jones to get your morning started. Did I see a thread where someone asked for a handyman recommendation? https://www.youtube.com/watch?v=CKpbNvDg6zY Thanks, I was wondering who sang that song. Now it w...
by cleosdad
Mon Jun 09, 2014 9:40 am
Forum: Investing - Help with Personal Investments
Topic: What are you doing with the market at an all time high?
Replies: 95
Views: 6882

Re: What are you doing with the market at an all time high?

What are Bogleheads doing with the market at an all time high? Continuing to invest? :D :D Taking money off the table and counting your blessings? Not taking any action at all and just sitting tight? A wise friend once said: "Gambling is when you stand to loose more than you have to gain Risk ...
by cleosdad
Tue Jun 03, 2014 9:14 am
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21627

Re: Still my guitar gently weeps...

Hey all, All apologies for any guitarist I have left off the first list...Very Much respect for Al DiMeola, Larry Carlton, Grant Green, George Benson, Steve Lukather, Eric Johnson, Gary Moore=Thin Lizzy, John McClaughlin, Taj Mahal, James Honeywell Scott, Pat Methany, Merle Travis, Tony Rice, Rodge...
by cleosdad
Wed May 28, 2014 2:08 pm
Forum: Personal Consumer Issues
Topic: Thinking about buying an old Jeep Wrangler for fun
Replies: 9
Views: 734

Re: Thinking about buying an old Jeep Wrangler for fun

Have you found the 2001 to be a good year? In our price range, we're seeing a lot of 1997-2003 era cars, so right around that age. Yes it has been fine. No rust or other issues. As for fun I just got back from a run near Red Rocks Ampitheater in Denver. Had the top down enjoying the sun. As for spa...
by cleosdad
Wed May 28, 2014 10:00 am
Forum: Personal Consumer Issues
Topic: Thinking about buying an old Jeep Wrangler for fun
Replies: 9
Views: 734

Re: Thinking about buying an old Jeep Wrangler for fun

We would do some off-roading if we got the Wrangler (have "crazy-Jeep" friends who would love to have us tag along) but it wouldn't *primarily* be an off-road car. We are not buying it with the primary intention being going off-roading. Go for it. I own a 2001 Wrangler. Wife has a Rav4. M...
by cleosdad
Thu May 22, 2014 11:02 am
Forum: Personal Consumer Issues
Topic: Best rental car companies
Replies: 20
Views: 1269

Re: Best rental car companies

I like booking via costco.com. Have had good rates with Budget and Alamo. If booking a one way, Hertz is usially best. Have had bad experiences with Enterprise and a small local rental company. Have read bad things about Fox and heard bad thimgs about Avis. Have had tonreturn and get replacemental ...
by cleosdad
Wed May 14, 2014 9:56 am
Forum: Personal Consumer Issues
Topic: St Maarten
Replies: 10
Views: 1327

Re: St Maarten

My girlfriend and I will be going to St Maarten August 2014. Any tips on hotels, food, entertainment, etc? If you have any pictures posted on your personal website, we would love to see them. Thanks! Type in saint maarten in forum search at top of page. Under Stan 1 hit topic. There are reviews and...
by cleosdad
Sun May 04, 2014 9:08 am
Forum: Personal Consumer Issues
Topic: Does AirTran enforce luggage size?
Replies: 30
Views: 3834

Re: Does AirTran enforce luggage size?

I just found out that AirTran charges $25 for checked-in luggage, which is $50 for a round trip. According to AirTran's web site, the dimensions of carry-on luggage are limited to 24" x 16" x 10", with each dimension limit enforced separately. The suitcase I'd like to use is 30"...
by cleosdad
Thu Apr 24, 2014 11:19 am
Forum: Personal Consumer Issues
Topic: Avast loaded malwhere with updated "protection".
Replies: 20
Views: 4593

Re: Avast loaded malwhere with updated "protection".

I couple weeks ago I replaced Microsoft Security Essentials with Avast. As I was trying various Avast options, I inadvertently installed GrimeFighter. GrimeFighter turned out to be a major nuisance, and to get rid of it, I uninstalled Avast and then re-installed it again. Would not uninstall/re-ins...
by cleosdad
Thu Apr 24, 2014 10:17 am
Forum: Personal Consumer Issues
Topic: Avast loaded malwhere with updated "protection".
Replies: 20
Views: 4593

Re: Avast loaded malwhere with updated "protection".

I couple weeks ago I replaced Microsoft Security Essentials with Avast. As I was trying various Avast options, I inadvertently installed GrimeFighter. GrimeFighter turned out to be a major nuisance, and to get rid of it, I uninstalled Avast and then re-installed it again. Would not uninstall/re-ins...
by cleosdad
Sat Apr 19, 2014 10:02 am
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 29
Views: 2546

Re: Help me find a good slow cooker

Zojhirushi. I'm not familiar with their slow cooker, but I have nothing but praise for their rice cooker, and I have the sense that that kind of quality reflects a company's commitment. Same here. My only concern is even on low it cooks extremely hot. The one I have works but maybe yours is defecti...
by cleosdad
Fri Apr 18, 2014 9:47 am
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 29
Views: 2546

Re: Help me find a good slow cooker

Thanks you two. Any others with ideas? Thanks I have a large Crock Pot that I bought on sale at WalMart for $20. It's big. Works really well. No need to buy an expensive slow cooker. This is the one. $20 https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcQJe12ALSrQV8b9G9q3QEx35tEBGvr6NCSV5Dit2mp...
by cleosdad
Tue Apr 08, 2014 12:10 pm
Forum: Investing - Theory, News & General
Topic: The Finance Buff uses a Vanguard Planner.
Replies: 27
Views: 3830

Re: The Finance Buff uses a Vanguard Planner.

No mention of the new International bond fund they are recommending? abuss, I have a free plan scheduled next Monday evening. Yes they are recommending the international bond fund. Interesting. Please stop back and share your experiences. Thanks. abuss, sorry I forgot about this. I reviewed my plan...

Go to advanced search