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Re: Where should I open a Solo 401k account?

I opened mine at Schwab basically because I already had an IRA there. It was simple and they took care of the process for me.
by rixer
Fri Jul 25, 2014 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Where should I open a Solo 401k account?
Replies: 18
Views: 1125

Re: File and suspend qustion

Another tactic is a restricted application where she takes her reduced benefit at age 63, you file RA at age 66 and collect spousal from her until you turn 70. She will get somewhere around $1100 and you'll get somewhere around $665 spousal =$1765. Then when you turn 70, you file for your own, get a...
by rixer
Sat Jul 19, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: File and suspend qustion
Replies: 6
Views: 755

Re: Verbal agreement for yard service gone bad: legal risk?

I hired a yard care service for the first time this summer. My yard has shrubs and roses that need regular trimming along with a couple of manicured privot tree's and a rose arbor. Because I was injured, they got out of control. The weeds also were in some of the flower beds. The yard care co. charg...
by rixer
Sun Jul 13, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Verbal agreement for yard service gone bad: legal risk?
Replies: 26
Views: 3109

Re: My house just flooded

If your home is a conventional home and not a mobile home, sitting on a foundation of cinder blocks may not be up to code. You might end up having to put a solid foundation in, depending on the building codes in your area.
by rixer
Fri Jul 11, 2014 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: My house just flooded
Replies: 13
Views: 2010

Re: Smokers [for cooking]

+1 for the traeger. Set it and forget it and you can use it as an oven. Haven't used my actual oven since the temps hit 70. Made pizza on it, lots of chicken, steaks, ribs, vegetables, fish for the lady. Best part about the thing is it can smoke and just be used as an oven/grill too at higher tempe...
by rixer
Wed Jul 09, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 4504

Re: Replacing the front door to house

I replaced all the old interior doors in the house a few years ago. Like 123 said, there are door shops that will customize the door for you. You take the old door to their shop, they measure it, the hinge placement and the door handle and deadbolt holes are cut out to your old door's dimensions. I ...
by rixer
Wed Jul 09, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Replacing the front door to house
Replies: 20
Views: 3057

Re: Easy careers to last me to retirement?

You could start a window cleaning service for little money and set your rates and schedule to fit your lifestyle.
by rixer
Mon Jul 07, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 13641

Re: Homeowner responsibility for water service line

The subdivision where I live was built in the early 60's. There have been 3 homes that I know of here that had their water line rust and burst. It floated their yards. These old pipes were not copper but galvanized. When I re-landscaped my yard, I decided to replace the line at that time while the y...
by rixer
Mon Jul 07, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner responsibility for water service line
Replies: 45
Views: 2055

Re: Smokers

I love my Traeger Pellet Smoker/Grill. It's so simple to use and maintain the fire/heat. Simply press the button and set the dial for what temp you want and it will cook unattended for hours. There's no messing with the firebox to keep things going as it's automatic.

I got it at Costco.
by rixer
Mon Jul 07, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Smokers [for cooking]
Replies: 47
Views: 4504

Re: Time to buy a tv or wait 2 years?

Samsung say's plasma is dead and is shutting down it's plasma tv business. They will focus on curved and ultra-high-definition models that use LED technology.

http://money.cnn.com/2014/07/03/technol ... ?iid=HP_LN
by rixer
Thu Jul 03, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5746

Re: Time to buy a tv or wait 2 years?

I've seen that 4k Samsung at Costco many times. I've never seen a more dramatic picture on a tv before and at some point I will buy one. It probably will be a couple of years from now so I'm going to hope my old 65" dlp will hold out. There's not much sense in buying one now at these high price...
by rixer
Thu Jul 03, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5746

Re: Another when to start Social Security question.

I was working on the assumption that if she filed in August, she would get no social security for the last five months (Aug. - Dec.) that she was working. I assumed that her salary would be higher than the earnings permitted for any benefit. After she quit, then her reduced--because of starting 3 y...
by rixer
Tue Jul 01, 2014 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another when to start Social Security question.
Replies: 13
Views: 966

Re: Another when to start Social Security question.

Can't Rixer's question be answered with the information we have? It all depends on his wife's age and percentages of whatever her PIA may be, right? Suppose her PIA is $1,000. Suppose, given what Rixer said, she turns 63 on January 1. If she files in August rather than 5 months later in January, sh...
by rixer
Tue Jul 01, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another when to start Social Security question.
Replies: 13
Views: 966

Re: Another when to start Social Security question.

Thanks for the correction, sscritic. Another question: does she actually lose anything by making too much for the earnings test? Isn't this a de facto way of delaying social security? John If you have a deduction for excess earnings, they recompute your benefit at FRA. If she waits to start until a...
by rixer
Tue Jul 01, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another when to start Social Security question.
Replies: 13
Views: 966

Another when to start Social Security question.

I'm throwing this question out here because I value the wise bogelhead opinions. I'm retired and will turn 66 in late August. The wife is 62, still working and will retire Dec. 31 this year when she will be 63. Our plan was for her to claim early SS at the end of the year when she retires and I woul...
by rixer
Tue Jul 01, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Another when to start Social Security question.
Replies: 13
Views: 966

Re: Best Road Trip Vehicle

We rented a Murano SUV for a road trip a few years ago and it worked out nicely. On one side trip, we went to Bodie, a ghost town in the Eastern Sierra's. The road out there was miles of washboarded gravel road. I'm glad we didn't have our car with us. At any rate, it sat up high, was easy on my bac...
by rixer
Thu Jun 26, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Best Road Trip Vehicle
Replies: 35
Views: 2736

Re: Retired Bogleheads want to relocate to California

Sacramento area has reasonable housing prices and is big enough to have all the right shops, restaurants, entertainment and medical facilities. The surrounding foothill towns like Roseville, Folsom, El Dorado Hills have low crime and are desirable neighborhoods. You're also close to Tahoe, San Franc...
by rixer
Wed Jun 25, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6874

Re: Craftsman Shop-Vac replacement filters

I have a craftsman shop vac also. Like the others have said, I shake out the dust when it is dry. If needed, I'll hose it off with a nozzle. The filter is made to get wet. It's a Wet/Dry vac. Just make sure it's dry and shaken out before you hose it off and let it dry before you put it back in. I've...
by rixer
Thu Jun 19, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Craftsman Shop-Vac replacement filters
Replies: 13
Views: 608

Re: Reliable car for a long commute

I love Honda's. We had an Accord for 21 years and was the most reliable vehicle we ever had. It wasn't very comfortable on long road trips though. A Toyota Avalon is much more comfortable for longer trips and commutes. They aren't too bad on gas either. Any particular reason an Avalon would be more...
by rixer
Wed Jun 18, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Reliable car for a long commute
Replies: 19
Views: 828

Re: Reliable car for a long commute

I love Honda's. We had an Accord for 21 years and was the most reliable vehicle we ever had. It wasn't very comfortable on long road trips though. A Toyota Avalon is much more comfortable for longer trips and commutes. They aren't too bad on gas either.
by rixer
Wed Jun 18, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Reliable car for a long commute
Replies: 19
Views: 828

Re: [can you] shop at Costco [without a membership?]

I used to have a membership card for Sams, but I eventually dropped it because I was not buying enough there to justify the cost of the card. Occasionally if I need an item from them, I borrow a friends card and use it. My friend does not have to go with me. When I go in I just hold the card up and...
by rixer
Tue Jun 17, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 4820

Re: [can you] shop at Costco [without a membership?]

I suggest purchasing membership at Costco. It's my favorite store and with the rebates from my Executive membership and the Amex rebates, the cost is minimal and can easily be free. They have good deals on great merchandise. I also buy my gas there and get rebated from Amex.
by rixer
Tue Jun 17, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 4820

Re: Strategies for Saving

There's a lot of ways to cut expenses so that's a whole different thing. What works well is to figure out how much you can save after expenses. Then on every paycheck, have that amount transferred to a savings account and you live on the rest. It will take a few months to get used to it but then it ...
by rixer
Mon Jun 16, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategies for Saving
Replies: 19
Views: 2099

Re: Retirement age now But all in cash

I believe that even if you draw SS early, your spouse will still draw spousal benefit of half your FRA benefit as long as he's 66 (FRA).
by rixer
Sun Jun 15, 2014 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement age now But all in cash
Replies: 18
Views: 2935

Re: Help with smoky condo sought

See if you can rent an ozone generator at a rental yard. I think you have to run it for a couple of days and you can't be in the unit while it's running. Maybe you could take a weekend trip somewhere while it's working. It burns up the smoke odor through oxidation. You'll probably want the fan circu...
by rixer
Sat Jun 14, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: Help with smoky condo sought
Replies: 15
Views: 1473

Re: Curious SS "when do I take it" spreadsheet

Major problem is that formula for cell L9 (and later in col L) assume 12% annual return on the 66-70 SocSec benefit. You're adding 1% of the account balance to the reduced SocSec payment, not 1%/12. And a couple other minor quibbles: The increase factor in cell C2 assumes a 7% increase each year of...
by rixer
Fri Jun 13, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Curious SS "when do I take it" spreadsheet
Replies: 5
Views: 891

Re: Medicare Advantage to Medigap

I use Medigap Plan F Hi Deductible. It has worked out very well for me and is affordable. The thing that makes it so sweet is that Medicare negotiates the regular price down to a much smaller amount and then medicare Plan B pays for 80% of the dr or hospital charges so that 20% left over is usually ...
by rixer
Mon Jun 09, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage to Medigap
Replies: 14
Views: 1394

Re: Is schwab good?

I'm very happy with Schwab.
by rixer
Tue Jun 03, 2014 1:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Is schwab good?
Replies: 13
Views: 1058

Re: Social Security at 66 vs. 70: A Bird in the Hand?

Now consider the numbers if the younger, lower earner spouse claims her ss benefit and you draw spousal benefits for 4 years while delaying your own benefit to age 70.
by rixer
Mon Jun 02, 2014 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security at 66 vs. 70: A Bird in the Hand?
Replies: 54
Views: 4043

Re: Delaying Social Security benefits - information from NAS

If I worked 50+ hour weeks for 40+ years paying into Social Security and I only got 3 payments in retirement - I would be pissed too. Yes he missed out on 'anything' -- all the money he put into SSI for the past 40+ years! :oops: It's more like buying insurance. If you pay for auto insurance for 40...
by rixer
Sun Jun 01, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security benefits - information from NASI
Replies: 31
Views: 2187

Re: Would you work without pay?

I won't even work FOR pay.
by rixer
Thu May 29, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you work without pay?
Replies: 63
Views: 4008

Re: AMEX Card - waiving annual fee?

Costco has a Amex card with no annual fee.
by rixer
Wed May 28, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: AMEX Card - waiving annual fee?
Replies: 15
Views: 2195

Re: Ideas for dining inexpensively

I agree, it's tough to beat that rotisserie chicken at Costco for $5. You might also check with your supermarket as many of them have inexpensive Chinese take out. Or you could just make a Frito Pie at home. Dump a can of heated chili over a platter of Frito's and add some jalapeno slices, chopped o...
by rixer
Tue May 27, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 4462

Re: Staking Tomatoes

I use wire fencing to form a sturdy cage and then I take foam pipe insulation which has a slice cut into it for forming around pipes and press it on to the top ring of the cage. this way when the vines get tall and bend over the top, they aren't cut or damaged.
by rixer
Thu May 22, 2014 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Staking Tomatoes
Replies: 20
Views: 1028

Re: Pondering retirement

I retired with less.
by rixer
Mon May 19, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pondering retirement
Replies: 24
Views: 2619

Re: Ideas for our cross country Road Trip

My father in law told me about this place before I went on a cross country trip. It's called Harold Warp's Pioneer Village and it's about 15 miles off I-80 in Minden, Nebraska. It's a great collection of cars, airplanes, machinery and farm equipment from the early pioneer days on up. It's pretty int...
by rixer
Fri May 16, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for our cross country Road Trip
Replies: 22
Views: 1461

Re: independent contractor - solo 401k or SEP IRA?

I was an independent contractor. My CPA told me I could contribute more money to the Individual 401k than I could to my sep ira. So the next year, I started contributing to a individual 401K instead.

It was a simple thing to set up. Schwab did the whole process for me.
by rixer
Thu May 15, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: independent contractor - solo 401k or SEP IRA?
Replies: 11
Views: 677

Re: St Maarten

You might want to experience Maho Beach.

http://whenonearth.net/wp-content/uploa ... 40x469.jpg
by rixer
Thu May 15, 2014 12:22 am
 
Forum: Personal Consumer Issues
Topic: St Maarten
Replies: 10
Views: 1205

Re: Tagging Market Performance to Withdrawals

Paul Merriman has an article you might be interested in. He has a chart that's linked in the article also. It shows how a person could draw more money and take less risk. Check it out. http://www.marketwatch.com/story/retire-with-more-money-and-less-risk-2014-04-30?pagenumber=1 chart that shows flex...
by rixer
Wed May 07, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Tagging Market Performance to Withdrawals
Replies: 17
Views: 828

Re: Woodburning stove insert recommendations

Well if you have a huge supply of wood you want to consume, this won't help but I use a pellet insert. Just push the button and it starts. For us, it's so much easier. No working on the fire, loading wood, stacking wood, mess all over the floors.
by rixer
Sun May 04, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: Woodburning stove insert recommendations
Replies: 8
Views: 641

Re: Did you tell anyone you paid off your mortgage?

Yes, I did. At the time, I was excited, proud, felt good about it and wanted to share with the people I knew. Now I never mention it.
by rixer
Wed Apr 30, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12236

Re: San Francisco Restaurant Recommendations

If you get a chance to see Beach Blanket Babylon in North Beach, right down the street is a little neighborhood Italian restaurant and bar named Cap's Corner. They have authentic Italian dishes and it's also a fun place. If you could have dinner and a drink there and then walk down to see the play, ...
by rixer
Wed Apr 30, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: San Francisco Restaurant Recommendations
Replies: 44
Views: 2714

Re: Best resources for landscaping yard?

Gardenweb is full of helpfull information!
by rixer
Wed Apr 30, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Best resources for landscaping yard?
Replies: 11
Views: 1126

Re: Anyone been to Budapest?

I was just watching Michael Palin's travel documentary the other day and Budapest was a feature. It was pretty interesting and you can get it on Netflix Streaming if you have it.



Michael Palin's New Europe - Episode 04 (Danube to Dnieper)
by rixer
Wed Apr 30, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: Anyone been to Budapest?
Replies: 31
Views: 3893

Re: Did (will) you pay off your mortgage by retirement?

I chose "None of the above" as I paid the mortgage off before retirement.
by rixer
Tue Apr 29, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did (will) you pay off your mortgage by retirement?
Replies: 68
Views: 3414

Re: Has anyone bought a smart TV rcently?

I was in Fry's years ago and was so impressed with the 1080P picture I bought it. Of course, that was back in the day when they didn't have much 1080P material to watch or a cost effective Blu-Ray to play it on. Over the years, the content has now become much more available. So Saturday, I'm walking...
by rixer
Mon Apr 28, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Has anyone bought a smart TV rcently?
Replies: 41
Views: 7798

Re: Pot-smoking tourists to Colorado??

I think it will be good for tourism. Why go to Utah to ski when you can go to Colorado and enjoy some legal cannabis while you're there?

Florida and Hawaii tourism would benefit greatly from legalization also. They should get it done.
by rixer
Sat Apr 19, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: Pot-smoking tourists to Colorado??
Replies: 9
Views: 992

Re: Baby Boomers: Top 10 Movies

Family Vacation
by rixer
Wed Apr 16, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 49
Views: 3951

Re: making your own will or trust

I've been thinking of using "Legalzoom", their fee's are reasonable. I haven't any experience with them though.
by rixer
Wed Apr 16, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: making your own will or trust
Replies: 29
Views: 2120

Re: Looking for Low-Cost Eyeglass Shop I can visit

I also am happy with Costco eye services and glasses. I'll go back again next time.
by rixer
Wed Apr 16, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 2024
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