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Re: Heat pump question

Thanks Jim. At age 77 I think about my own "infrastructure". :)
Tom
by tomd37
Thu Oct 30, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 25
Views: 733

Re: Heat pump question

It's time to a least think about a replacement system. Sounds like it might be a very inefficient system even when running. You could probably contact the manufacturer with your model and serial number and find out more about its efficiency. R22 refrigerant went out many years ago and is extremely c...
by tomd37
Thu Oct 30, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 25
Views: 733

Re: Joint accounts or separate accounts for married couples?

Married 48 years and always had only one type of account - - - joint! :moneybag :moneybag
by tomd37
Thu Oct 30, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 32
Views: 1198

Re: Vanguard's Voice Recognition

Been using it for a year or so and no issues thus far.
by tomd37
Wed Oct 29, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Voice Recognition
Replies: 18
Views: 1106

Re: Feeling rich to feeling poor overnight

RosieQ,
Here in middle TN, three people with a combined income of $300,000 might be hard put to find a place meeting their requirements. Housing isn't cheap here. $300K in this area is not too unusual as income for an individual.
by tomd37
Sat Oct 25, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 10596

Re: How often do you change your car's oil?

We only drive each of our two cars 5,000 miles per year and change oil and filter in each once a year.
by tomd37
Thu Oct 23, 2014 10:48 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6220

Re: Please help with asset allocation and investments.

Retiredjg,
I think you mean a portfolio with 80% "stocks" (not bonds)
by tomd37
Sun Oct 12, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with asset allocation and investments.
Replies: 24
Views: 1840

Re: How to avoid tax on sale of home?

Consciousoverride,
Just to clarify, as mentioned by others, the "old rules" went out with signing of the Taxpayer Relief Act of 1997 by President Clinton on August 5, 1997.
by tomd37
Fri Oct 10, 2014 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to avoid tax on sale of home?
Replies: 10
Views: 908

Re: Bank Blackmail? [Credit Card Upgrade]

Too many people here (like me today) have nothing better to do with their time than to sit and read all these ridiculous posts and their replies and perpetuate the issue. :annoyed Haven't you (we) something more important or valuable to do with your/our time?
by tomd37
Fri Oct 10, 2014 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Blackmail? [Credit Card Upgrade]
Replies: 22
Views: 1748

Re: Cleaning Up Leaves

My local Stihl dealer did not recommend the small unit. Said it was too underpowered and is just a hand-held that was turned on its side.
by tomd37
Fri Oct 10, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3103

Re: Cleaning Up Leaves

I have a lot of leaves, but not an over abundance of them. I use my mulching mower until December when a large number of Bradford Pear tree leaves finally come off. At that time I blow them into the street curbside and use my mulching mower on them in the street (about fifteen passes). Over the year...
by tomd37
Thu Oct 09, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3103

Re: Tax deduction (if any) of air commuting?

All I will say in "Don't mess with the IRS". You never want them on your case for any reason. They stick like a "fly on s..." once they get the scent.
by tomd37
Thu Oct 09, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax deduction (if any) of air commuting?
Replies: 5
Views: 438

Re: Hyundai vs. Toyota

Anonenigma, The check engine light of my wife's 2001 Lexus ES300 started coming on intermittently and then constantly a few weeks ago. Fortunately we have a local repair shop owned and operated by a former Lexus Certified Master Mechanic. He specializes in the Lexus and Toyota brands and was immedia...
by tomd37
Mon Oct 06, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Hyundai vs. Toyota
Replies: 45
Views: 4699

Re: Paying off a 6.5% mortgage

It's a no brainer in my opinion. Where else are you guaranteed a 6.5% return these days? What a great feeling once the monkey is off your back. :sharebeer Be sure you invest the mortgage payments as you indicate.
by tomd37
Sat Oct 04, 2014 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3574

Re: How Long Should I Keep My Car?

Park - Just curious. What would happen if you broke your leg one day at home and could not go to work the next day? What is so unique about your work? :?:
by tomd37
Sun Sep 28, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4102

Re: TIPS & Rick Ferri

Thanks to both Rick and Larry for their response. Your contributions to this forum are appreciated by the readers. :beer
by tomd37
Sun Sep 28, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS & Rick Ferri
Replies: 28
Views: 4939

TIPS & Rick Ferri

I own and have read all of Rick Ferri's books. I am wondering if anyone knows if Rick has made any changes in the TIPS portion of his asset allocation recommendations since short-term TIPS have come onto the market. He always used the regular TIPS fund in his portfolio examples, but I am wondering i...
by tomd37
Sun Sep 28, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: TIPS & Rick Ferri
Replies: 28
Views: 4939

Re: Gas Water Heater Upgrade worth the $$$

Dolphin,
Not sure gas will be there for you. If your gas heater has or requires a power vent, electricity runs that vent. No electricity, no power vent.
by tomd37
Fri Sep 26, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: Gas Water Heater Upgrade worth the $$$
Replies: 31
Views: 1858

Re: What is your best estimate of the SWR (Safe Withdrawal R

SWR is impacted by your other income. For example, I have a military pension and social security benefits that are very stable and impacted by any COLA. My SWR could be higher than it is if need be. Had I chosen a company pension over a lump sum payout when I retired twelve years ago I would have be...
by tomd37
Fri Sep 26, 2014 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: What is your best estimate of the SWR (Safe Withdrawal Rate)
Replies: 77
Views: 4022

Re: Gas Water Heater Upgrade worth the $$$

I sure would want to know what brand and grade the contractor is proposing to install for you. You sure don't want a "builder grade" water heater if you get a choice. What exactly is he proposing to give and do for the $1,400?
by tomd37
Fri Sep 26, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Gas Water Heater Upgrade worth the $$$
Replies: 31
Views: 1858

Re: Gas Water Heater Upgrade worth the $$$

Are you talking natural gas already in the area or propane that has to be tanked in? Any other gas appliances serving the home? I would go for natural gas any time I could get it. We have it in our current home for heating, cooking, and hot water.


Edit: We were both writing at the same time....
by tomd37
Fri Sep 26, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Gas Water Heater Upgrade worth the $$$
Replies: 31
Views: 1858

Re: Mechanics of paying a financial advisor?

Another reason for going with an advisor or company (if you must) with a very minimal asset under management fee. Most of us on this forum know of several that fit that bill. :wink:
by tomd37
Sat Sep 20, 2014 11:05 pm
 
Forum: Investing - Theory, News & General
Topic: Mechanics of paying a financial advisor?
Replies: 23
Views: 1381

Re: When to throw out childhood toys? Encourage me please.

We are in the same situation as you, except were are the parents in our late 70s with an attic full of childhood toys belonging to our 45 year old deceased son and our 42 year old married daughter with no young children of her own. Reading the responses I can picture many of the same items in our at...
by tomd37
Sat Sep 20, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: When to throw out childhood toys? Encourage me please.
Replies: 34
Views: 2440

Re: Tax Preparation Cost

Archman,
Depending on what items are included on the K-1, you might want to consider the AARP Tax-Aide program which is free. Some items on K-1 are within scope and some items on the K-1 are out-of-scope, but it might be worth looking at.
by tomd37
Thu Sep 18, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Preparation Cost
Replies: 19
Views: 1086

Re: The boglehead way to buy furniture

A lot depends on your way of living and outlook. I can go downstairs and look in our dining room and find two pieces of furniture, a breakfront and a side server, that we purchased in 1968. Both were Ethan Allen pieces that have endured numerous moves, both military and private, over the succeeding ...
by tomd37
Tue Sep 16, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 56
Views: 5175

Re: RMD Bond Mutual Funds, and Bond duration more to lose sl

Funkey,
Just a bit more about RMDs. They are also required to be taken from a Roth IRA that is inherited from a non-spouse. :moneybag
by tomd37
Mon Sep 15, 2014 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD Bond Mutual Funds, and Bond duration more to lose sleep
Replies: 8
Views: 558

Re: question canceling credit card due to home depot breach

With that explanation I feel sorry for you. I do like the AMEX Blue Cash card as we can set a purchase dollar limit and receive an email message for every purchase above that dollar amount. Usually that message has arrived before the user gets home with the purchase. I wish my other bank card had su...
by tomd37
Wed Sep 10, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: question canceling credit card due to home depot breach
Replies: 9
Views: 909

Re: question canceling credit card due to home depot breach

jdb, I agree with your comments about just replacing a card when deemed necessary. Fortunately I have never been a victim of credit card fraud in the fifty or so years since credit cards have become popular. However, I do not want to tempt such people, so I have removed my credit card numbers from p...
by tomd37
Wed Sep 10, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: question canceling credit card due to home depot breach
Replies: 9
Views: 909

Re: question canceling credit card due to home depot breach

During the recent "Target Store" issue, I asked AMEX to issue a replacement card for my wife's card as she had used hers there. She has a different card number from mine as a joint owner of the account. AMEX agreed, immediately issued a replacement card with a new number, and over sent it ...
by tomd37
Wed Sep 10, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: question canceling credit card due to home depot breach
Replies: 9
Views: 909

Re: Cash Holdings

Are you referring to just cold hard cash such as a bank account or would you also include CDs that could immediately be converted into cash for a small penalty (think urgent need for cash in the case of a CD)? How about I or EE bonds? :moneybag
by tomd37
Fri Sep 05, 2014 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3712

Re: sprinkler system question

Simon, If you had shut off the house system how would you have done it and would it have shut off the water to the irrigation system? The reason I ask is that most irrigation systems I have seen come off the incoming line after the street meter, but before the house shut off. How is yours set up? :?:
by tomd37
Thu Sep 04, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: sprinkler system question
Replies: 29
Views: 2858

Re: Do I Even Need a Trust?

Harmony brings up a good point about a beneficiary child marrying and possibly divorcing. We are currently talking with our attorney concerning revising our present RLT established back in 1997 (federal estate exclusion amounts were much less back then). Our son and daughter were named successor tru...
by tomd37
Thu Sep 04, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I Even Need a Trust?
Replies: 31
Views: 2012

Re: Estimated taxes / Vanguard information . . . HELP!

When I hear about someone being an engineer I always think back to the mid-1960s when I was a naval officer and the chief engineer of our guided missile destroyer escort had a sign in his office:

"At first I could not spell in-jun-ear and now I are one" :oops:
by tomd37
Thu Sep 04, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes / Vanguard information . . . HELP!
Replies: 20
Views: 948

Re: NFCU 1 year certificate (CD) 5% APY $5k max balance

It is my understanding (without a call to NFCU) that only qualified members can participate in the program. Whether that be an existing member or a person qualified to become a member.
by tomd37
Wed Sep 03, 2014 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 3413

Re: Free credit report not available online

I pull our credit reports (not credit score) every other month. Six reports; three for me and three for my wife. I always do it by telephone @ 877-322-8228. Just did it earlier in the afternoon and I expect to receive the report by mid-week next week. I don't have any need for my credit score.
by tomd37
Tue Sep 02, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free credit report not available online
Replies: 7
Views: 483

Re: NFCU 1 year certificate (CD) 5% APY $5k max balance

Thanks for the heads up! Been a member of Navy Federal CU for 53 years and I like to take advantage of these offers. :moneybag Edit: Opened a CD for myself and one for my wife. FYI, May of each year is usually military appreciation month and NFCU has good offers during that month as well. Don't know...
by tomd37
Tue Sep 02, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 3413

Re: Married couple starting out - advice

Erik - Your filing status for your 2014 federal tax return is determined by your marital status as of 12/31/2014. You only have two choices; married filing jointly or married filing separately. Unless there is some underlying reason (e.g. one of you has debt to the federal govt or one of its agencie...
by tomd37
Mon Sep 01, 2014 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Married couple starting out - advice
Replies: 11
Views: 712

Re: sell a 7 year old car or keep it?

Husker, My wife's car is a 2001 Lexus ES300 in pristine condition (according to several Lexus mechanics who want to buy it) just turning 65,000 miles. Up until last week the total expenses on that car was $4,800 for absolutely everything including two sets of tires, a battery, and a new timing belt ...
by tomd37
Mon Sep 01, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: sell a 7 year old car or keep it?
Replies: 16
Views: 1702

Re: IRS letter claiming return is late - anyone experience t

Cherijoh, As you stated, one of the clear benefits of electronic filing of your tax return is that you get written notification of the receipt and acceptance of your federal tax return. When I do returns in the AARP Tax-Aide program on a given day those returns are transmitted at the close of busine...
by tomd37
Sun Aug 31, 2014 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS letter claiming return is late - anyone experience this?
Replies: 51
Views: 7028

Re: IRS letter claiming return is late - anyone experience t

BigFoot48, CP2000 issues are usually resolved with ease if the taxpayer follows guidance provided in the letter. It is when they fail to take proper action or not properly respond to the letter that the issues develop. Sometimes the taxpayer is wrong and sometimes the IRS is wrong. Being in the AARP...
by tomd37
Sun Aug 31, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS letter claiming return is late - anyone experience this?
Replies: 51
Views: 7028

Re: IRS letter claiming return is late - anyone experience t

For information to some readers, the IRS normally sends letters concerning tax return issues about fifteen months after the normal close of the tax season (July 2014 for 2012 tax returns). A lot of people fail to read the letters (e.g., CP2000) closely enough to notice to which tax year the IRS refe...
by tomd37
Sat Aug 30, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS letter claiming return is late - anyone experience this?
Replies: 51
Views: 7028

Re: TLH vs. TGH

This is money that is outside my asset allocation plan (50/50) and just excess cash that was sitting in the bank at about 0.50% interest rate. Yes, I am going to pay federal tax on the gain, but it still about $5600 more than I started with before paying the tax on the gain. Not going to impact my S...
by tomd37
Thu Aug 28, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH vs. TGH
Replies: 5
Views: 228

TLH vs. TGH

Question regarding tax loss harvesting versus tax gain harvesting. As a retiree I had excess funds to cash needs and invested in the taxable VG total stock market index fund with the hopes that I could make more than investing it in CDs or a bank account. As it turned out I am currently up by about ...
by tomd37
Thu Aug 28, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH vs. TGH
Replies: 5
Views: 228

Re: Tax loss harvesting

I have not seen it mentioned in any of the posts, but my understanding is that TLH only applies to taxable accounts and not IRAs and 401ks :?:
by tomd37
Wed Aug 27, 2014 11:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting
Replies: 33
Views: 1895

Re: Establishing "Small Business" and Cheating IRS?

My policy in doing tax returns, both personal and in volunteer tax return preparation programs, has always been "Don't mess with the IRS!"
by tomd37
Wed Aug 27, 2014 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Establishing "Small Business" and Cheating IRS?
Replies: 11
Views: 1156

Re: Best way to refinish a garage floor

The only comment that I can offer is that we bought this home eighteen years ago and the first owner had some type of application on the concrete. Over the years that application has become extremely slippery whenever it has any moisture on it. That is something that should be considered when purcha...
by tomd37
Wed Aug 27, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Best way to refinish a garage floor
Replies: 17
Views: 1526

Re: What are you up YTD?

As a 77 year-old retiree I have a 50/50 asset allocation. YTD total is +7.02% which includes a 10% of total portfolio allocation to the VG REIT index fund which has done quite well this year. :D
by tomd37
Tue Aug 26, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 141
Views: 11826

Re: Subaru Blues

Browser, Sounds like the friend's issue is the electronic control unit/module. I had one diagnosed as bad just yesterday on my 2001 Lexus ES300. It and one of the two oxygen sensor units will be replaced on Thursday at the tune of $1700. This car only has 65K miles on it and my wife will not part wi...
by tomd37
Tue Aug 26, 2014 10:56 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8226

Re: Moving to Eastern PA - need advice

Cottons,
Their beer or ice cream? :beer
by tomd37
Mon Aug 25, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 1952

Re: Experiences with concrete lifting

Our homeowners association had a large number of concrete sections surrounding the swimming pool "floated" (Google A-1 concrete leveling Nashville to see their home page) several years ago with excellent results. The HOA then put a new surface on that concrete decking and it has held up we...
by tomd37
Mon Aug 25, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Experiences with concrete lifting
Replies: 9
Views: 773
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