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Re: Lawn care - fertilizer

When you buy fertilizer, buy it by the numbers and not by brand name. My suggestion is to look at the fancy brand bag, and check the numbers that show the composition, such as 28-4-12. Then look for a generic brand that has similar numbers, they do not need to be identical. That is what you want to ...
by jsl11
Tue Apr 22, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Lawn care - fertilizer
Replies: 12
Views: 538

Re: POLL: what's the deal with Tuna Fish?

If you want to try some really good tuna, buy some Kirkland Signature brand at Costco. It is a high quality tuna, packed in water without any vegetable broth or other additives. It is also a full 7 ounce can, like it used to be everywhere. It is expensive and you have to buy an 8 pack, but it is muc...
by jsl11
Sun Apr 20, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 3084

Re: Trying to learn about Brokered CD's

Short of spreading money all over the universe, I thought of brokered, new issue CD's through Vanguard. In this way, I can take advantage of the best rate regardless of the bank while keeping the records, etc. in one place. An alternative to shopping around is to choose a bank (or S&L, or credi...
by jsl11
Sun Apr 20, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: Trying to learn about Brokered CD's
Replies: 24
Views: 1298

Re: Possible fraud? Getting mail about a car I don't own.

Last fall I bought a new car and traded in the previous car that was bought at the same dealer. Shortly after the transaction, I received a snail-mail reminder that the old car was due for service. There are a lot of places with records, and data bases used for sales and marketing. Unfortunately, ac...
by jsl11
Sun Apr 20, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Possible fraud? Getting mail about a car I don't own.
Replies: 16
Views: 1406

Re: Can you put after tax RMD withdrawals into ROTH?

I am going to tell a story. The purpose is to try and clarify a few points. On 12/31, I have $100,000 in my tIRA, and I am at an age where I have a distribution period (mine is 25). I also have a checking account with $21,000 in it. I am in the 25% marginal bracket (which, for this story, I will pr...
by jsl11
Fri Apr 18, 2014 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1128

Re: Can you put after tax RMD withdrawals into ROTH?

Wizard's timing sequence is a very good. However, before you take your RMD I would go ahead and estimate my income taxes for the year, including any extra income tax required for a planned Roth conversion. I would then have my IRA custodian withhold all the income taxes from the RMD in mid December...
by jsl11
Fri Apr 18, 2014 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you put after tax RMD withdrawals into ROTH?
Replies: 25
Views: 1128

Re: Portfolio minimum?

15K is more than enough to start. However, it is important to have an emergency fund established prior to investing. Things happen and you do not want to be forced to withdraw from your investments at an inopportune time.
Jeff
by jsl11
Fri Apr 18, 2014 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio minimum?
Replies: 9
Views: 1140

Re: Estate Planning Lawyer

In addition to revocable trust(s) you probably also need wills, durable powers of attorney, powers of attorney for health care, and living wills, and perhaps organ donor documents. A good attorney should advise you on all of these.
Jeff
by jsl11
Wed Apr 16, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Lawyer
Replies: 8
Views: 1158

Re: Toaster Ovens

We have a large Oster convection toaster oven. It is a very good oven, but not such a good toaster. It does not get hot enough for good toast. It takes too long, and then the toast is completely dried out. We bought a separate toaster for that purpose.
Jeff
by jsl11
Wed Apr 16, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Toaster Ovens
Replies: 15
Views: 990

Re: A Ceramics Question

Kintsugi is an interesting and sometimes beautiful Japanese repair method. http://en.wikipedia.org/wiki/Kintsugi hicabob, Thanks for the information. That is an interesting technique that I have never seen before. Unfortunately, it does not lend itself well to formal china dinnerware. I expect it w...
by jsl11
Tue Apr 15, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: A Ceramics Question
Replies: 9
Views: 519

Re: A Ceramics Question

Phineas J. Whoopee wrote:I want to say one word to you. Just one word. Are you listening?

Gazpacho.

PJW

Phineas,
I don't think I can repair the bowls using Gazpacho.
Jeff
by jsl11
Tue Apr 15, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: A Ceramics Question
Replies: 9
Views: 519

Re: A Ceramics Question

I would be careful about using various types of glue to seal the cracks if you will be eating from the bowls, not just decorative purposes. Chipped crystal stemware may be repaired, but a hairline crack all the way through may not be a good thing to repair to be used for hot soup again. Another onl...
by jsl11
Tue Apr 15, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: A Ceramics Question
Replies: 9
Views: 519

A Ceramics Question

I have an unusual situation, and I am hoping there is a Boglehead with experience in this area. When DW and I married about 40 years ago, DW chose a fancy china pattern for our good dishes. These dishes get used only 2 or 3 times a year. Over the years, we have had soup bowls crack when hot soup was...
by jsl11
Tue Apr 15, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: A Ceramics Question
Replies: 9
Views: 519

Re: less you need social security, earlier you should claim

I began SS benefits at 62. My reasoning was this: My wife will not receive any benefit from my SS due to the Government Pension Offset. Therefore, my situation is equivalent to that of a single person. So, actuarially, there should be little difference. I also considered that although I do not know ...
by jsl11
Sun Apr 13, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: less you need social security, earlier you should claim
Replies: 39
Views: 2801

Re: Asset allocation vs. pooling for admiral shares

Our plan was to invest most of this money in the Total Stock Market Index Fund (expense ratio is 0.17%). However the admiral shares ($10,000 minimum) expense ratio is only 0.05%. Which, on the money you have invested would only be $10.20 a year This! For a $10 difference, don't worry about it. It i...
by jsl11
Sun Apr 13, 2014 2:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation vs. pooling for admiral shares
Replies: 9
Views: 795

Re: suggestion for awd luxury sedan

...since the 2 lexus cars Ive owned have been more reliable than any consumer products i have ever owned. ...but a breakdown is a major hassle for me. My work depends on me being there and on time, no matter what. So lack of reliability is a major problem. It seems you have answered your own questi...
by jsl11
Sun Apr 13, 2014 12:10 am
 
Forum: Personal Consumer Issues
Topic: suggestion for awd luxury sedan
Replies: 44
Views: 3490

Re: Use credit cards to pay rent: Amex Serve?

To generalize: Are there any venues for charging apartment rent in situations where a rental agency accepts only checks? Stories about actual experience with a setup without any fees or charges are highly appreciated. Victoria To generalize further: Is there a way to use a credit card (without fees...
by jsl11
Sat Apr 12, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 3702

Re: Tax Managed International

Rob, jsl11, Thanks for carrying the water on this issue. I agree with both of you that the fund is no longer what we chose to invest in. Both of the funds had billions in assets, around $23 billion in Tax Managed and 16.5 in Developed Markets. I'm thinking that Vanguard just decided that it wanted ...
by jsl11
Fri Apr 11, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: Tax Managed International
Replies: 23
Views: 1181

Re: Vanguard Developed Markets Index Fund

IMO, Vanguard's choice to eliminate a tax managed fund could not be a worse fund to choose. By its nature, a tax managed fund will be held in an after tax account. It would have been pointless to hold one in a tax deferred or untaxed account. Therefore, all of the shareholders in the fund are kind o...
by jsl11
Thu Apr 10, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Developed Markets Index Fund
Replies: 4
Views: 344

Re: Tax Managed International

I am trying to see where anybody is taking a hit by this non-change. The ticker symbol hasn't even changed. It just seems like some folks are jumping the gun with whining about some future that isn't going to happen. Frankly, these posts about "change" are confusing because nothing really...
by jsl11
Thu Apr 10, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Tax Managed International
Replies: 23
Views: 1181

Re: Tax Managed International

I liked it the way it was. This does not seem to be an improvement.
Jeff
by jsl11
Thu Apr 10, 2014 12:37 am
 
Forum: Investing - Theory, News & General
Topic: Tax Managed International
Replies: 23
Views: 1181

Re: Repainting a bathroom wall

Here is an alternative which may cost more, but will eliminate peeling wall paint for sure. We covered the bathroom walls with a cloth type "wallpaper" such as Sanitas or Walltex. Some of these materials are painted cloth, and others are plastic coated. I know that wallpaper is an old-fash...
by jsl11
Wed Apr 09, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Repainting a bathroom wall
Replies: 8
Views: 562

Re: Car recommendations - Mazda6, accord, Prius

ray.james wrote:My personal choice would be for handling, mileage , comfort and price in that order. Car power/hp, entertainment goodies are not much of a concern.

For those priorities, I would choose between a 4-cyl Accord or a 4-cyl Camry.
Jeff
by jsl11
Tue Apr 08, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Car recommendations - Mazda6, accord, Prius
Replies: 23
Views: 1798

Re: My debt fear/aversion and my epiphany

Often the distinction is made between "good debt" and "bad debt". Good debt is that which is productive, such as paying for place to live, or for education. Bad debt are things like consumer debt, particularly credit card debt. IMO this is a good way to think about it.
Jeff
by jsl11
Tue Apr 08, 2014 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: My debt fear/aversion and my epiphany
Replies: 4
Views: 632

Re: What next after you have enough sort of.

I find it interesting and surprising that some of the comments in this thread talk about AA's in the range of 60/40 and 70/30 in the years just before and after retirement. My thoughts, as I neared retirement, were along the lines of I finally have enough to retire and I don't want to mess that up. ...
by jsl11
Tue Apr 08, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: What next after you have enough sort of.
Replies: 31
Views: 3386

Re: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix

Planning on a quick drive-by and photo of the Hoover Dam. Not intending to stay long or hike down canyon. Take some photos - walk along the rim... The guided tour at Hoover dam is worthwhile. They also offer a "hard hat tour", but that would take a lot longer. We did the regular tour and ...
by jsl11
Mon Apr 07, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Roadtrip to Hoover Dam,Grand Canyon,Sedona,Phoenix
Replies: 26
Views: 1083

Re: Calculate effect of mortgage-interest deduction

There is an additional complication in trying to figure the tax benefit of a mortgage. If your itemized deductions are near the standard deduction, either a little more or less, then you can gain by bunching your deductions into alternate years. There is not too much you can do with the mortgage pay...
by jsl11
Mon Apr 07, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculate effect of mortgage-interest deduction
Replies: 11
Views: 705

Re: Dual pane windows

Another alternative would be to install blinds or curtains over the doors. In a mild climate, this could be sufficient.
Jeff
by jsl11
Sun Apr 06, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Dual pane windows
Replies: 11
Views: 1104

Re: RMD question

When you calculate your first RMD amount, be sure to use the correct divisor. The age used for this calculation is the age you will attain during the calendar year you reach 70.5. So, if your birthday is in the first half of the year, you were 70 in the year you reach 70.5, and therefore use the div...
by jsl11
Sun Apr 06, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD question
Replies: 8
Views: 464

Re: Travel for work; file tax return in each state I work?

The problem also affects people who travel within a single state. There are many localities that have a city income tax, and if you spend any time at all working in such a city, they want their 1% or 2% of your earnings. In my area, there is no minimum amount of earnings that are subject to tax. If ...
by jsl11
Sun Apr 06, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Travel for work; file tax return in each state I work?
Replies: 14
Views: 1063

Re: Success with free extended warranty benefit from cred ca

I purchased an I-Pod on my Amex card. It dies during the second year. I sent the receipt and the damaged I-Pod to Amex. They credited my statement for the full amount. Years ago, I had a computer hard drive fail during the second year. I got an estimate for replacement and another for an upgrade to...
by jsl11
Sun Apr 06, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Success with free extended warranty benefit from cred cards?
Replies: 14
Views: 1052

Re: Success with free extended warranty benefit from cred ca

I purchased an I-Pod on my Amex card. It dies during the second year. I sent the receipt and the damaged I-Pod to Amex. They credited my statement for the full amount. Years ago, I had a computer hard drive fail during the second year. I got an estimate for replacement and another for an upgrade to ...
by jsl11
Sun Apr 06, 2014 12:47 am
 
Forum: Personal Consumer Issues
Topic: Success with free extended warranty benefit from cred cards?
Replies: 14
Views: 1052

Re: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?

4Leaf wrote:Understood, accord/camry are the economical choices when it comes to cars, but those aren't any fun.

If you want fun, go on a date. Don't fall in love with a car, it won't love you back.
Jeff
by jsl11
Sun Apr 06, 2014 12:40 am
 
Forum: Personal Finance (Not Investing)
Topic: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?
Replies: 34
Views: 2513

Re: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?

IMO, you should buy two cars only if you need two cars. For one driver, one car should be sufficient. You have given two possible choices. I would suggest that you consider a third choice. Get one vehicle, that is nice, but more modest that you can use for all of your driving. The car enthusiast thi...
by jsl11
Sun Apr 06, 2014 12:25 am
 
Forum: Personal Finance (Not Investing)
Topic: 1 Nice car vs 2 Decent cars (daily driver/weekend car)?
Replies: 34
Views: 2513

Re: What would you do in this situation?

You are using the inheritance to supplement your income. However, it will run out in ten years. Then what? What I would do is try to live within my means without the inheritance. Perhaps overpaying the mortgage is not a good idea for you. I would invest the inheritance for retirement. Even though yo...
by jsl11
Sat Apr 05, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you do in this situation?
Replies: 9
Views: 649

Re: 15 year vs 30 year fixed

You might want to shop further for better rates. There is a large S&L in my area that offers 30 year fixed loans for 4.39%.
Jeff
by jsl11
Sat Apr 05, 2014 2:19 am
 
Forum: Personal Finance (Not Investing)
Topic: 15 year vs 30 year fixed
Replies: 62
Views: 5805

Re: Two Years Free Toyota Service

My two years ended in December 2012, but the service guy at the dealership told me that they actually accept them for 6 months or 12 months (I don't recall the exact time frame) beyond that two year mark. I called Toyota's national customer service number to confirm that and they did. I used my las...
by jsl11
Fri Apr 04, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Two Years Free Toyota Service
Replies: 8
Views: 753

Re: Two Years Free Toyota Service

sambb wrote:Yes, that happened to me. But the service only cost me $42.

I would expect that the synthetic oil alone would be more than that.
Jeff
by jsl11
Fri Apr 04, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Two Years Free Toyota Service
Replies: 8
Views: 753

Two Years Free Toyota Service

I bought a Toyota last year, and like all Toyotas, it came with 2 years free service (oil changes, etc.). I recently took the car in for its 5000 mile service, and the service manager told me something I wish to share. He cautioned me that the last of the free services, must take place before two ye...
by jsl11
Fri Apr 04, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Two Years Free Toyota Service
Replies: 8
Views: 753

Re: Buying for someone who "has everything"

One thing that works is to buy something consumable, so even if you already have it, you will use it up. It could be things like a bottle of wine, a gift package of nuts or cheese, etc.
Jeff
by jsl11
Fri Apr 04, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Buying for someone who "has everything"
Replies: 43
Views: 2308

Re: Laid off today... TODO list?

lawman3966 wrote:One little cost-saving reminder:

If you'll be driving less now, remember to call your auto insurance company and see if your rates will decline based on the reduced mileage.

Yes, and not only is your mileage reduced, but you can change the classification from commuting to pleasure use.
Jeff
by jsl11
Thu Apr 03, 2014 12:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9702

Re: Laid off today... TODO list?

The first thing to decide is if you want to look for another job, or just retire now. If you want to look for a job, get your resume up to date, and start networking to find a new opportunity. On the other hand, if you will begin retirement, then you need to start on getting your finances into the s...
by jsl11
Wed Apr 02, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9702

Re: Is Our Accountant Over-Charging Us?

Whether or not you change accountants, here is something you can try next year. It worked for me. Before you take your information to the accountant for tax preparation, try to fill out the tax forms by yourself, using your copy of the prior year forms as a guide. You can use tax software, or even d...
by jsl11
Wed Apr 02, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Our Accountant Over-Charging Us?
Replies: 30
Views: 3166

Re: Pension Service Credit Purchase

You are asking about a decision you will make 5 years from now. What are the chances that the rules will change during that time? Even good pension plans have been changing rules, and more changes are likely to come. IMO, trying to determine any of this is 5 years in advance is premature.
Jeff
by jsl11
Wed Apr 02, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Pension Service Credit Purchase
Replies: 6
Views: 341

Re: Purchasing New Tires for Car and Need Suggestions

Lynxville wrote:My local car dealer is offering nitrogen tire filling for $15 for all 4 tires. Not sure you save any gas money, just wondering if anyone has done this and is there any real mpg increase?

Costco offers nitrogen at no extra cost.
by jsl11
Tue Apr 01, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 2043

Re: Does each 10% in bonds cost 0.5% in return?

Bonds are not held for their return. Bonds are held to control the level of risk. Risk can be good. Too much risk is not so good.
Jeff
by jsl11
Sun Mar 30, 2014 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: Does each 10% in bonds cost 0.5% in return?
Replies: 23
Views: 1930

Re: Purchasing New Tires for Car and Need Suggestions

If you are a member, I would recommend Costco for tires. They only carry better tires, the prices are excellent, and the guarantee is very good. They will only sell you a tire that is suitable for your car.
Jeff
by jsl11
Sun Mar 30, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 2043

Re: Purchasing New Tires for Car and Need Suggestions

All seasons are meant for Houston or Florida. They are not substitutes for winter tires. They are fine for the summer in winter regions but are not fine for winters or for seasons where the temperature gets below 40F. What you say is true for rear wheel drive vehicles. However, for front wheel driv...
by jsl11
Sun Mar 30, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 2043

Re: Pay property taxes in Dec or Jan?

OP reporting back here…the personal experiment has begun. I paid 2013 house property taxes in January 2014, and I had paid 2012 property taxes in December 2012, so for 2013 I had no house property taxes to show on my income tax form. I played a little with Turbotax putting the taxes in (to see what...
by jsl11
Sun Mar 30, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay property taxes in Dec or Jan?
Replies: 29
Views: 1391

Re: Being older/younger in class -- benefits, issues?

When I was in school, they had half year classes. That is, grade 1B started in September and grade 1A started in January. This meant that the age span was approximately only 6 months in each class. This eliminated the problems or potential problems discussed in this thread. However, this same school...
by jsl11
Sat Mar 29, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 98
Views: 4863
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