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Re: Fostering Change in HOA

I think subdivision HOAs are more common when you have common facilities such as pools, pool house, tennis courts, playgrounds, walking trails, large landscapes that require weekly/monthly maintenance, etc. We have more that six acres of common area under the control of our HOA with a $100K annual o...
by tomd37
Fri Aug 22, 2014 11:33 am
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 1957

Re: Richard Ferri's All About Index Funds

"So what? Do you think the concept is outdated?........Gordon" +1 - I have the original and second editions on the book shelf above my desk. I really cannot see any significant reasons for a third edition. The basic concepts in the first two editions are still valid. The new ETF concept, n...
by tomd37
Fri Aug 22, 2014 11:24 am
 
Forum: Investing - Theory, News & General
Topic: Richard Ferri's All About Index Funds
Replies: 2
Views: 557

Re: Fostering Change in HOA

Poker27, I have a good idea of what you are going through when, as president, you need to plan for future expenses. We have 162 homes in our subdivision and when I volunteered to join the HOA board in 2008 the then seventeen year old subdivision had no plan or budget for capital improvements needed ...
by tomd37
Thu Aug 21, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 1957

Re: Fostering Change in HOA

As has been mentioned, being a HOA Board member is a thankless job. Each subdivision or similar type HOA has an established set of CCR's and bylaws by which they must operate and under which each homeowner must comply. There is no choice in being or not being a member. The Board must operate by thos...
by tomd37
Thu Aug 21, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Fostering Change in HOA
Replies: 40
Views: 1957

Re: Jewelry Insurance - Engagement Ring

I have always insured my wife's diamond ring via a special policy. In 1967 just eight months after we married she accidentally flushed it down a toilet. Fortunately the water pressure in the 100 year old home we were renting in Maine was not very powerful and it dropped out of tissue she was flushin...
by tomd37
Tue Aug 19, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Jewelry Insurance - Engagement Ring
Replies: 16
Views: 1294

Re: Jewelry Insurance - Engagement Ring

I know that homeowner insurance, and suspect renter insurance, has limited coverage on items such as this. Because of this, have always had a separate policy (valued personal property in my case) insuring my wife's diamond ring and other specific valuable items. I had to get a qualified appraisal on...
by tomd37
Mon Aug 18, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: Jewelry Insurance - Engagement Ring
Replies: 16
Views: 1294

Re: Cost of an above ground pool, land prep and maintenance

And here I thought you were talking about a pool, not a dish pan! :oops:
by tomd37
Sun Aug 17, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1116

Re: Cost of an above ground pool, land prep and maintenance

Sunnyday,
Does your locality have any legal codes that might be applicable to the installation and operation of an above-ground pool such as a requirement for fencing or certain electrical requirements? Does you insurance company have any special requirements that might have to be met?
by tomd37
Sun Aug 17, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Cost of an above ground pool, land prep and maintenance
Replies: 20
Views: 1116

Re: Investment Account Location

Placeholder, We established the trust many years ago when the federal estate exclusion amount was about twelve percent of what it is now. All applicable assets were placed in the trust at the time. Subsequently we established a taxable account that was correctly lodged in the trust, but later liquid...
by tomd37
Fri Aug 15, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment Account Location
Replies: 2
Views: 402

Re: Windows 7 PC?

Mike, We are an older couple in our late 70s and had to replace a desktop and laptop earlier this year that had XP operating systems. Not being nearly as computer savvy as younger folks, we purchased replacements with Windows 7 OS and are very happy we did. As mentioned by others, there may be some ...
by tomd37
Fri Aug 15, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2369

Investment Account Location

We are in our late 70s and currently have two mutual fund investments, representing about 5% of our total retirement investments, held in a jointly titled taxable account. I am questioning as to whether there would be any advantages to holding these two funds in an account titled in the name of our ...
by tomd37
Thu Aug 14, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment Account Location
Replies: 2
Views: 402

Re: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.

Mel & Taylor,
Can you summarize the applicable changes in the second edition?
by tomd37
Thu Aug 14, 2014 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Paperback of The Bogleheads' Guide to Investing, 2nd Ed.?
Replies: 34
Views: 2926

Re: Amazon Gift Card Fraud

Spry,
Thanks for the post. I just went into Amazon and deleted the retained credit card information. I can easily put it in whenever I place an order on Amazon, which isn't very often.
by tomd37
Wed Aug 13, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Amazon Gift Card Fraud
Replies: 30
Views: 2614

Re: Help!! Can some one explain tax loss harvesting

Ken - Where in tax law does it stipulate the following that you quote? Have I missed something somewhere? :?

"Step three: you must buy a similar but not identical replacement stock, bond, mutual fund, etc. using the proceeds from the sale in step two."
by tomd37
Tue Aug 12, 2014 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help!! Can some one explain tax loss harvesting
Replies: 16
Views: 1041

Lauren Bacall Passes Away

Bad things always seem to come in 3's. Who is going to be the next well known personality? :(
by tomd37
Tue Aug 12, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Lauren Bacall Passes Away
Replies: 2
Views: 581

Re: Quickest Way to Deposit a Large Sum with Vanguard

Deep Thoughts, Call Vanguard and ask them. There is bound to be some limitations if the funds to which you refer are new to you and you don't have an equal amount already in your account. I have an established link at VG with my bank account held elsewhere. When I buy a fund I have VG take the money...
by tomd37
Mon Aug 11, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quickest Way to Deposit a Large Sum with Vanguard
Replies: 22
Views: 2462

Re: Need for International Investing ?

My initial post two days ago has resulted in varied responses and I thank you all for sharing your thoughts with me and the rest of the readers. Throughout my investing lifetime, which started late at the age of 50, I have pretty much stayed with the course originally set and have been fortunate to ...
by tomd37
Mon Aug 11, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2565

Re: Need for International Investing ?

And Jack's recent revision to Common Sense continues his former position.
by tomd37
Sat Aug 09, 2014 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2565

Re: Top Tier gas or ethanol free (premium)

GreyDuke,
My last VW, a 2008 Passat wagon required premium fuel. I could not justify, in mileage increase, the price differential between 10E and non-E gas readily available to me. http://www.pure-gas.org is a good website for location non-E gas nationwide and in Canada.
by tomd37
Sat Aug 09, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Top Tier gas or ethanol free (premium)
Replies: 3
Views: 494

Re: Need for International Investing ?

John, Appreciate your comment re would of/could of/should of. As a retiree I have gone through two big stock market swings since 2002 and have "stayed the course" and "slept well" with my 50/50 asset allocation and it diversifications in the past twelve years. Very fortunately th...
by tomd37
Sat Aug 09, 2014 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2565

Need for International Investing ?

After investing for many years and being a follower of this forum and its predecessors for many years, I am beginning to question the need for investing in international funds. We are in our late 70's and have, for the most part, invested in international funds up to about 20% of the stock side of o...
by tomd37
Sat Aug 09, 2014 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2565

Re: New VG Performance Charts

Rob5TCP,
Gradual introduction seems to be the situation here. I had heard about it several weeks ago and my information just changed this week.
by tomd37
Fri Aug 08, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: New VG Performance Charts
Replies: 17
Views: 1996

Re: Telephone Calls! Help!

Talking about spoof call numbers, I had an incoming call showing my own telephone number as the calling number. :annoyed
by tomd37
Thu Aug 07, 2014 11:15 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 100
Views: 6021

Re: New VG Performance Charts

No, not individual fund performances, but rather total portfolio performance.
by tomd37
Thu Aug 07, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: New VG Performance Charts
Replies: 17
Views: 1996

Re: Summer indoor humidity levels

I lived in NC (Triangle area) before moving to middle Tennessee twenty years ago. Climates are very similar. My humidity runs in the low 50's most of the time. As mentioned by others, the a/c system will run almost consistently when the temperatures reach the upper 90s. We like to open the windows a...
by tomd37
Thu Aug 07, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Summer indoor humidity levels
Replies: 18
Views: 1174

New VG Performance Charts

Just noticed that VG has implemented long awaited (in my case anyway) online performance charts that now include data for the past ten years, instead of only five year data. :sharebeer
by tomd37
Wed Aug 06, 2014 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: New VG Performance Charts
Replies: 17
Views: 1996

Re: REITS-worth the time to add 10% into portfolio

I personally believe in a separate REIT allocation and for the past ten years or so have held a 10% of total portfolio allocation to the Vanguard REIT Index. I am a retiree in my mid to late 70's.
by tomd37
Mon Aug 04, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: REITS-worth the time to add 10% into portfolio
Replies: 33
Views: 2636

Re: HELP! Budget Out of Control

You need to track your actual expenses for a period of three months to see exactly where the money is going. It is not hard to do, but it is tedious. Then after you have done that you will have to look at other expenses that are incurred after that such as quarterly, semi-annual, and annual expenses...
by tomd37
Mon Aug 04, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3581

Re: High School Reunions--Have you attended?

Moved away from my high school home (Eastchester, NY) and was not aware of any reunions held until the 50th, but was unable to attend that one. 60th is coming up next year but I don't think there is anything scheduled. Back then it was a relatively small class of about 120 and many have not been loc...
by tomd37
Sun Aug 03, 2014 2:21 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5059

Re: Boat loans

A boat is what is referred to as a "sinking investment". :oops:
by tomd37
Sat Aug 02, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Boat loans
Replies: 27
Views: 1584

Re: Changing Funds in Taxable Account

sscritic - My dividend was not reinvested and went straight to my bank account via ACH. :moneybag
by tomd37
Fri Aug 01, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing Funds in Taxable Account
Replies: 5
Views: 363

Re: Riding Mower Help Needed

Never had a riding mower, and with you not being a professional mower I would think you only want to go so fast and that speed would be impacted by the contours and obstacles in your yard, especially in the rear.
by tomd37
Fri Aug 01, 2014 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 44
Views: 2279

Re: Riding Mower Help Needed

I was going to say ask your mowing service for their comments, but you just bought this home. Did you have a mowing service at your previous home and, if so, are they still available to you? They usually buy quality machines for their business. As mentioned, stay away from box store "stuff".
by tomd37
Fri Aug 01, 2014 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 44
Views: 2279

Re: Changing Funds in Taxable Account

Thanks livesoft. When required, I have done my rebalancing of the tax-deferred on the website so I understand that procedure.
by tomd37
Fri Aug 01, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing Funds in Taxable Account
Replies: 5
Views: 363

Changing Funds in Taxable Account

Most of our retirement accounts at Vanguard are in tax-deferred IRAs. However about 5% is invested in two VG taxable funds. My question is how to close out one fund and invest that same proceed in another VG fund. I know in the tax-deferred account it is merely considered an exchange. What is it in ...
by tomd37
Fri Aug 01, 2014 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing Funds in Taxable Account
Replies: 5
Views: 363

Re: Power vent water heater noise

Your two posts are a bit confusing to me. Could you provide more details as to where it is located now, where you want to put it, and details pertaining to its current and proposed drain system? I have a water heater in a closet in the garage. Because of the length of the run to reach an outside wal...
by tomd37
Fri Aug 01, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Power vent water heater noise
Replies: 11
Views: 806

Re: Advice on Keeping Inexpensive Long Term Care Policy

That premium is about one-tenth of what my wife's original premium was seventeen years ago, at about the same age, when we first started with LTC (slightly better benefits including five percent annual inflation increase). Go for it but be on the look out for premium increases. :moneybag
by tomd37
Tue Jul 29, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Advice on Keeping Inexpensive Long Term Care Policy
Replies: 7
Views: 739

Re: Selling House - Do We Need a Listing Broker?

"Do we need a listing broker?" - No
But you will undoubtedly get better results listing with a broker in the long run.... :oops:
by tomd37
Sun Jul 27, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House - Do We Need a Listing Broker?
Replies: 61
Views: 2765

Divorce - Remarry - Die Social Security Question

Man (A) divorces wife (B) after 25-year marriage. Both now have reached full retirement age. Man (A) remarries to wife (C). Wife (C) now just reached age 62 and is drawing SS early benefits. If (A) passes away, can either (B) or (C) claim his social security benefit assuming it is greater than what ...
by tomd37
Sun Jul 27, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorce - Remarry - Die Social Security Question
Replies: 3
Views: 558

Re: Mileage Reimbursement or Company Car?

OP,
Do you itemize deductions on Schedule A and will that incremental deduction be more than 2% of your AGI?
by tomd37
Sat Jul 26, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Mileage Reimbursement or Company Car?
Replies: 17
Views: 1015

Re: Mileage Reimbursement or Company Car?

JoeJohnson,
And is that deduction only available if he itemizes his deductions on Schedule A? I really don't know.
by tomd37
Sat Jul 26, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Mileage Reimbursement or Company Car?
Replies: 17
Views: 1015

Re: Mileage Reimbursement or Company Car?

Adding 13,000 miles in the next six months to a car that already has 254,000 miles on it (15,000 per year) does not seem like a good idea to me. You are adding a lot of miles in a short time to a car that already a lot of miles on it. How would the mileage reimbursement be given to you (i.e., taxabl...
by tomd37
Sat Jul 26, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Mileage Reimbursement or Company Car?
Replies: 17
Views: 1015

Re: Rich Spouse, Poor Spouse [Tax filing status]

From a federal tax point of view and not considering any state tax that might be applicable, a couple that is married as of December 31st and living together at any time in the last six months of the year only has two federal filing choices; married filing jointly (MFJ) or married filing separately ...
by tomd37
Thu Jul 24, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5675

Re: Hearing Aids

As has been mentioned by several people in this thread, the cost of the hearing aid(s) and their replacement batteries qualify as a medical expense on Schedule A if you are itemizing deductions. It should be noted that, starting in tax year 2014, only those medical expenses that exceed 10% of AGI qu...
by tomd37
Sun Jul 20, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 82
Views: 6280

Re: Boglehead Beer

For those who like Yuengling Lager and live in Pennsylvania, have you ever had Yuengling ice cream? Now back to the original poster's question; my favorites are Yuengling Lager and Newcastle ale. I remember my college days back in the mid-fifties when the favorite beer in the 'north country' of New ...
by tomd37
Sat Jul 19, 2014 10:46 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 47721

Re: Snake!

Jim
I didn't think the snakes would be coming around until February :wink:
by tomd37
Fri Jul 18, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4306

Re: POLL: Do you have a dedicated REIT allocation?

"About 16% REITs. They pay good dividends." Something Burton Malkiel mentions in his book "The Random Walk Guide to Investing" (2003) where in his Life-Cycle Investment Guide recommended asset or savings allocation he cites 15% of total portfolio be in REITS (in tax-advantaged ac...
by tomd37
Wed Jul 16, 2014 9:44 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 7278

Re: LED bulb prices

Just purchased and installed CREE 60W soft-white LED bulbs in our two bathroom light fixtures. Each fixture holds three bulbs with their open globes pointed down. I previously had three 75W bulbs in each fixture. Prior to replacing the bulbs in the second fixture I did a "heat test" and th...
by tomd37
Tue Jul 15, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 14617

Re: Oil Change due: Synthetic vs Regular Oil

1210, After reviewing the owner's manual (page 9-2) for your car online, you appear not to have a high-performance turbo engine or an engine that requires a pure synthetic oil. The manual says use a 5W-30 oil and I would do so with any good quality SAE oil. Changing oil every six to eight months is ...
by tomd37
Mon Jul 14, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 2834

Re: Oil Change due: Synthetic vs Regular Oil

1210,
I suspect from the oil requirement stated in the owner's manual (and your lack of reply to the make, model, and year of car) that you do not have a high-performance (e.g., turbo) engine in the car. Those engines most always require a pure synthetic oil. What do you own?
by tomd37
Mon Jul 14, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Oil Change due: Synthetic vs Regular Oil
Replies: 33
Views: 2834
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