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by tomd37
Fri May 22, 2015 1:27 pm
Forum: Personal Consumer Issues
Topic: Electric Pressure Washer Recommendation
Replies: 13
Views: 734

Re: Electric Pressure Washer Recommendation

If you are an active duty or retired military you get a 10% discount year-round at Lowe's and Home Depot by showing your id card.
by tomd37
Fri May 22, 2015 1:13 pm
Forum: Personal Consumer Issues
Topic: Electric Pressure Washer Recommendation
Replies: 13
Views: 734

Re: Electric Pressure Washer Recommendation

I also am interested in an electric pressure washer for smaller jobs, but I think I'd have to look at something in the $150 to $200 range. Did not see anything in the $100 range when I researched the subject and looked in Home Depot and Lowes.
by tomd37
Thu May 21, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 60
Views: 6053

Re: Not your father's Total Bond Market Fund anymore

Sometimes in these postings I lose track of what specific bond fund to which someone is actually referring as they throw around incomplete names. I would like to see posters name the fund and then show the symbol. For example, Intermediate-Term Bond Index (VBILX).
by tomd37
Mon May 18, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Revised 1099 for 2013
Replies: 4
Views: 217

Re: Revised 1099 for 2013

Trueblu,
I guess you are okay with the K-1 since it is dividends and foreign tax credit. Thanks for volunteering. :beer
by tomd37
Sun May 17, 2015 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: ? Portfolio for older couple
Replies: 11
Views: 2478

Re: ? Portfolio for older couple

Within the hour I posted a question on the Forum Issues and Administration forum asking how to find a post of my own and received a reply as to how to find this post I made a year ago. As a result of the of the responses to that original post I got out of both high-yield corporate (VWEAX) and short-...
by tomd37
Sun May 17, 2015 6:42 pm
Forum: Forum Issues and Administration
Topic: Looking for my own posts
Replies: 6
Views: 275

Re: Looking for my own posts

Paunch,
Your reply was a big help and led me to the posts I originated. Thanks!
by tomd37
Sun May 17, 2015 6:01 pm
Forum: Forum Issues and Administration
Topic: Looking for my own posts
Replies: 6
Views: 275

Looking for my own posts

With this new format I am not sure how to find my own posts. By that I mean the posts that I initiated and not the posts I made in response to other posts. Can anyone help me and provide direction as to how to find my own initiated posts? :?:
by tomd37
Sun May 17, 2015 2:23 pm
Forum: Personal Consumer Issues
Topic: How do I get best deal on trade in?
Replies: 14
Views: 1452

Re: How do I get best deal on trade in?

In my state (TN) we end up paying state and local taxes equivalent to about 9%+ on the bottom line sale price. The bottom line would include a reduction for the trade-in value of the old car thus saving about 9% in taxes on the trade-in value. If I could sell the car myself and get a price of the tr...
by tomd37
Sat May 16, 2015 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 5276

Re: Which Company Do You Have Auto Insurance With?

I have read through all 2+ pages of responses to the original post. The question that pops up in my mind time after time is what type of service you will receive when you actually have a claim against the insurance policy. Too much talk here about rates instead of service in my opinion. Yes, it is n...
by tomd37
Thu May 14, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 2357

Re: Is the Post Office slowing down first class parcel delivery?

For the past year I have found significant reduction in delivery service of regular first class mail. Just today received a card that was mailed from Asheville, NC to Brentwood, TN (Nashville suburb) on May 8th afternoon. Asheville is just 300 miles from here via Interstate 40 and yet it took six da...
by tomd37
Wed May 13, 2015 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - unexpected competition
Replies: 26
Views: 3773

Re: Selling home - unexpected competition

Guess it would depend on what a buyer is looking for. Assuming the two houses are alike in size, your house may be a better choice if someone wants the upgrades but does not want to go through the upgrade procedures possibly spending more money to get to the same end result. On the other hand, maybe...
by tomd37
Mon May 11, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 5276

Re: Which Company Do You Have Auto Insurance With?

USAA for auto (for the past 54 years), and homeowner, personal property, and umbrella as the need arose since 1961. :happy
by tomd37
Thu May 07, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do Updates to Home Increase Market Value?
Replies: 32
Views: 2161

Re: Do Updates to Home Increase Market Value?

The 162 homes in our subdivision were all built in the 1991 to 1993 range. A close friend of mine recently sold his 1991 home. He had done some major renovations to his home four years ago which enhanced his home value (so he thought) in comparison to other similar homes that had not been enhanced. ...
by tomd37
Mon May 04, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: NFCU Military Appreciation Month
Replies: 3
Views: 451

Re: NFCU Military Appreciation Month

tbradnc, Thanks for the heads-up. I contacted NFCU again and confirmed that I and my wife can each have a certificate due to the fact that I am a joint owner on her account. I qualify as a Navy retiree having my retirement pay direct deposited and she also qualifies since I am a joint owner on her a...
by tomd37
Mon May 04, 2015 10:13 am
Forum: Personal Finance (Not Investing)
Topic: NFCU Military Appreciation Month
Replies: 3
Views: 451

NFCU Military Appreciation Month

It that time of the year! The Navy Federal Credit Union has announced a new certificate rate of 3.5% APY, for 15 months, with a maximum of $7,500 for qualified individuals.
by tomd37
Tue Apr 28, 2015 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 4955

Re: Feel like I made a mistake with buying a house: apprecia

IMO the original poster does not submit any specific information on which to evaluate his/her remarks. Therefore we cannot make any valid comment. Much more specific info is needed.
by tomd37
Sun Apr 26, 2015 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: RMD or QCD - Which has to come out first?
Replies: 7
Views: 533

Re: RMD or QCD - Which has to come out first?

Ralph's response seems to be exactly what I talk about. Using his example of a $15K RMD with no basis involved, as long as I take out the $15K by year end, it does not matter which sequence of withdrawal I do. Assuming I want $5K to go to charity and the remaining $10K to me, I can do the $5K either...
by tomd37
Sun Apr 26, 2015 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: RMD or QCD - Which has to come out first?
Replies: 7
Views: 533

RMD or QCD - Which has to come out first?

Assuming that QCDs will be approved again for tax year 2015 and probably very late in the year as it has been for several years now, I am still not understanding which has to come out first. Does the RMD have to come out first followed by the QCD or can a QCD be done first followed by the RMD. In ta...
by tomd37
Sat Apr 25, 2015 5:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard REIT Index Fund
Replies: 5
Views: 1520

Re: Vanguard REIT Index Fund

Thanks takethree. Wonder why one place but not the other. Who knows what Vanguard has done on this last change! :annoyed
by tomd37
Sat Apr 25, 2015 10:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard REIT Index Fund
Replies: 5
Views: 1520

Vanguard REIT Index Fund

Has anyone else noted that the Vanguard site no longer lists the percentage of real estate held in the Vanguard Total Stock Market Index Fund? It used to be under the Equity Sector Diversification portion of Portfolio Composition. Real estate is no longer listed as an item by itself. :annoyed I seem...
by tomd37
Sat Apr 25, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: need a will with a trust?
Replies: 10
Views: 889

Re: need a will with a trust?

Yes, it does make sense to me. Most revocable living trusts have a such a document as you mention for each person.
by tomd37
Sat Apr 25, 2015 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Taxes are killing me
Replies: 21
Views: 2926

Re: Taxes are killing me

You cannot claim "tax exempt" on your W-4. You are not exempt from federal tax. :oops:
by tomd37
Thu Apr 23, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 2436

Re: Car Dealership Credit Report

Kind of reminds me of a sign a fellow naval officer kept in his stateroom in the very early 1960s - Bull s--- outshines knowledge!
by tomd37
Thu Apr 23, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 2436

Re: Car Dealership Credit Report

I have purchased cars since 1961 and have never had to fill out a credit application for the dealership. I always arranged financing, when I was financing my purchase, through NFCU but since 1993 I have paid in cash for several cars with no credit application. I personally would walk if they asked m...
by tomd37
Tue Apr 21, 2015 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Friend's house burnt, Helping him start new financial life?
Replies: 20
Views: 2291

Re: Friend's house burnt, Helping him start new financial li

Because of a recent flooding disaster in neighbor's home making the home totally uninhabitable, I confirmed with my insurer (USAA) that I have "loss of use coverage" which will pay me unlimited living expenses for up to twelve months. Hopefully your friend has similar coverage as well as a...
by tomd37
Tue Apr 21, 2015 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning - what details does the attorney need?
Replies: 13
Views: 1409

Re: Estate Planning - what details does the attorney need?

Originally set up same documents in 1997 and because of the death of our son (primary successor trustee) had to completely redo everything recently naming daughter as successor trustee. In both cases I never had to provide such detailed information as you cite. I would not do it if so requested as I...
by tomd37
Sun Apr 19, 2015 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: All About Asset Allocation Interpretation
Replies: 1
Views: 392

All About Asset Allocation Interpretation

For any reader that may have a copy of Rick Ferri's second edition of "All About Asset Allocation" handy, I could use some assistance in my interpretation of the model "Mature Retiree Allocation Range presented in Table 12-7 on page 265. Regarding the allocation to real estate at 5%, ...
by tomd37
Mon Apr 06, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax Deduction cut-off date
Replies: 4
Views: 407

Re: Property Tax Deduction cut-off date

When you amend the 2013 tax return you will have to attach a copy of Schedule A because that schedule is affected by the amendment. You also will have to mail the 1040X to the appropriate IRS facility as shown in the instructions for the form. Electronic filing is not available for 1040X. Tom D.
by tomd37
Sun Apr 05, 2015 10:02 am
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 3638

Re: Home Air Filters

I use the 20 x 25 x 1 inch 3M Filtrete Allergen Defense 1000/1085 MPR filter sold at Lowes or Home Depot locally. I have been cautioned by my HVAC company to consider not going to a higher level filter because it tends to reduce the air flow which can impact the proper operation of my HVAC units and...
by tomd37
Sat Apr 04, 2015 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Paying federal taxes on social security benefits??
Replies: 7
Views: 991

Re: Paying federal taxes on social security benefits??

Retired 13 years ago, set my federal withholding amounts or percentages on my military pension and my SS benefits and have not changed them in all those years. I take my RMD late in the year and have a specific percentage withheld then to arrive at what I think is my federal tax liability. Got a $10...
by tomd37
Sat Apr 04, 2015 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Paying federal taxes on social security benefits??
Replies: 7
Views: 991

Re: Paying federal taxes on social security benefits??

FYI, if you do end up taking federal tax out of SS benefits in the future, the withholding of federal tax is in percentages, not specific dollar amounts. Those percentages are 7, 10, 15, and 25. IRS Form W4-V applies and is submitted to the local SS office.
by tomd37
Fri Apr 03, 2015 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Occasional big expenses after retirement
Replies: 32
Views: 2746

Re: Occasional big expenses after retirement

Fortunately I am in a retirement situation where my RMD exceeds my budget needs by a certain amount. I keep about two or three years of budget needs in various types of cash accounts where they are readily available if needed and that is what I have used when those "special needs" arise. I...
by tomd37
Fri Apr 03, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: Gearing up for big replacement windows project
Replies: 35
Views: 2738

Re: Gearing up for big replacement windows project

OP - I am willing to wager that once you get some estimates for the brand(s) of windows you desire you will at least double your pricing as Rupert alludes to. :dollar :moneybag
by tomd37
Fri Apr 03, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: IRS Identity Theft Tax Fraud
Replies: 47
Views: 4264

Re: IRS Identity Theft Tax Fraud

Epsilon Delta, Thanks for your comments. I was trying to point out that tens of millions of returns are processed by the IRS before they even have the data from employers etc. There is no way for them to compare data until much later in the regular tax season. I had my IRS refund direct deposited an...
by tomd37
Fri Apr 03, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: IRS Identity Theft Tax Fraud
Replies: 47
Views: 4264

Re: IRS Identity Theft Tax Fraud

Question for those who know the correct answer; Does the IRS even have W-2, 1099-R, etc., information by the April 15th filing deadline to make computer checks against when a return in processed in the normal filing period? I have heard unofficially that information is not even available to them and...
by tomd37
Sat Mar 28, 2015 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Change W-4 after paying off mortgage
Replies: 11
Views: 933

Re: Change W-4 after paying off mortgage

An allowance on the W-4 is not equivalent to a personal or dependent exemption amount of $4,000. Go the additional withholding amount route, as suggested by other posters, for the remaining pay periods for the year and make sure you adjust that again for the first pay period starting in 2016.
by tomd37
Tue Mar 24, 2015 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Removing an asset from a living trust: Taxable event ??
Replies: 12
Views: 1145

Re: Removing an asset from a living trust: Taxable event ??

I view a RLT as nothing more than a suitcase holding my possessions and I have the ability to add items to or remove items from that suitcase as I so desire. However, it would be interesting to know what exactly you have titled in the name of the trust that you might want to remove. Some people make...
by tomd37
Sun Mar 22, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Have you used VITA or TCE?
Replies: 22
Views: 1543

Re: Have you used VITA or TCE?

Agree Jim and we do the same. Tom
by tomd37
Sun Mar 22, 2015 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Have you used VITA or TCE?
Replies: 22
Views: 1543

Re: Have you used VITA or TCE?

It sounds as if there might be a lot of variations between VITA sites around the country. In my area there is no "requirement" for all volunteers to certify at the advanced level as there is in the TCE program. Here the United Way works in conjunction with the IRS and sponsors most of the ...
by tomd37
Sat Mar 21, 2015 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Have you used VITA or TCE?
Replies: 22
Views: 1543

Re: Have you used VITA or TCE?

KYBlue,
Am very surprised to hear that VITA can do Sch E with depreciation. I always understood that was out-of-scope for both programs. Has been so in TCE for the twelve years I have been in the program in the US Central Region.
by tomd37
Sat Mar 21, 2015 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Newly retired teacher - tax questions
Replies: 5
Views: 675

Re: Newly retired teacher - tax questions

Depending on your sister's age, qualified medical expenses in excess of either 7.5% or 10% of AGI could be in effect for tax years 2015 and 2016. 7.5% if she is age 65 or older in either of those years and 10% if she is under age 65 in either of those years. Note that the percentage is 10% for all a...
by tomd37
Thu Mar 19, 2015 9:37 pm
Forum: Personal Consumer Issues
Topic: Provia Legacy Steel Entry Door Experience?
Replies: 9
Views: 602

Re: Provia Legacy Steel Entry Door Experience?

Leonard, The two firms I had provide bids were my local privately owned windows and doors company (mostly windows) and a what I believe is a nationwide chain company (American Home Design). The latter was the high bidder. Check out http://www.proviaproducts.com website for dealers. Many companies ca...
by tomd37
Thu Mar 19, 2015 7:42 pm
Forum: Personal Consumer Issues
Topic: Provia Legacy Steel Entry Door Experience?
Replies: 9
Views: 602

Re: Provia Legacy Steel Entry Door Experience?

Leonard, In July 2010 I had three Provia replacement doors installed in my home. The front door is the Legacy 009 style steel door with the 160 sidelite containing clear lowE/argon glass. The second door is the 460 steel French door with clear lowE/argon glass with retractable screen door. The third...
by tomd37
Thu Mar 19, 2015 4:48 pm
Forum: Personal Consumer Issues
Topic: Vinyl or wood fence
Replies: 36
Views: 2154

Re: Vinyl or wood fence

For those of you who have or have had vinyl fences, are they available in lower heights (e.g., 36 to 48 inch high picket or similar types) that might be used to surround a yard, but not necessarily block the view from or into the yard from a common area in a subdivision?
by tomd37
Sun Mar 15, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Do you buy "off-brand" gasoline?
Replies: 81
Views: 9730

Re: Do you buy "off-brand" gasoline?

100% pure gasoline - I believe it has been mentioned on this forum before, but if you would like to find 100% pure gasoline for your small engines (or even your car) there is a website that lists gas stations that sell 100% pure gasoline. The website is http://www.pure-gas.org and you can look up by...
by tomd37
Sun Mar 15, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: Do you buy "off-brand" gasoline?
Replies: 81
Views: 9730

Re: Do you buy "off-brand" gasoline?

I have been told that all gasoline starts the same. For instance here in middle Tennessee all gasoline flows through a major pipeline that comes up from the Gulf coast and goes somewhere up into the Indiana/Ohio area before terminating. All companies purchase their gasoline from storage areas off th...
by tomd37
Fri Mar 13, 2015 11:43 am
Forum: Personal Consumer Issues
Topic: Automobile protectants
Replies: 15
Views: 1046

Re: Automobile protectants

I am not sure about the comments on waxing a car once or twice a year. My wife has a 2001 Lexus ES300 with 68,000 miles on it. The car has always been garaged when not in use and the exterior has never been waxed. It is washed at least monthly by hand and I can count on one hand the number of times ...
by tomd37
Fri Mar 13, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Charitable donations - tax question
Replies: 4
Views: 573

Re: Charitable donations - tax question

If you are going to claim more than $500 non-cash contributions you will need to file IRS Form 8283. If you are going to claim more than $5,000 non-cash contributions you will also need the Form 8283, but you will also need written appraisals for some items. The rules get more complex as you go abov...
by tomd37
Mon Mar 09, 2015 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care and Taxes
Replies: 8
Views: 1053

Re: Long Term Care and Taxes

Just a reminder that the current limitation on claiming medical expenses for those of us 65 or over changes from 7.5% to 10.0% starting with tax year 2017. We currently can claim qualified medical expenses that exceed 7.5% of our AGI as long as one of a MFJ couple or a single person is 65 or over, b...
by tomd37
Sun Mar 08, 2015 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Free Credit Report
Replies: 16
Views: 1301

Re: Annual Free Credit Report

JapanFan, You can also call 1-877-322-8228 to get your free annual credit report from any or all of the credit reporting companies (Equifax, Experian, Transunion). Takes about six minutes to complete. By calling it will be mailed to you. Being married I call every two months; every other month reque...

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