Search found 2034 matches

by tomd37
Tue Jul 28, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: Fuel injector cleaning
Replies: 16
Views: 594

Re: Fuel injector cleaning

I just called Chevron corporate because I could not find any Chevron stations listed for Tennessee. Was told there are no Chevron nor Texaco stations in and north of Tennessee. Also was told that the same additive is used in Texaco gasoline as is used in Chevron (i.e., Techron)
by tomd37
Sun Jul 26, 2015 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Next Book to Read Recs
Replies: 2
Views: 334

Re: Next Book to Read Recs

My guestimate is that 80% of those books are on the shelf above me as I type this! :) :dollar
by tomd37
Sun Jul 26, 2015 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Mom - I'm Concerned About Her Advisor
Replies: 24
Views: 1785

Re: Helping Mom - I'm Concerned About Her Advisor

Bandit,
IMO your proposal is way out of line also. A good one, two, or three fund proposal using Vanguard index funds is all that is needed. Too much complexity in all the others you propose.
by tomd37
Sat Jul 25, 2015 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Automatic RMD Service - Four Options
Replies: 15
Views: 1330

Re: Vanguard's Automatic RMD Service - Four Options

I do not agree with Electron. Vanguard tells you in January of each year what the total RMD is for that year for Vanguard funds. They do not tell you how much it is for each account nor do they tell you from where it has to be taken. In fact, if you have other similar IRA accounts with other firms (...
by tomd37
Sat Jul 25, 2015 2:04 pm
Forum: Investing - Theory, News & General
Topic: Swensen's "Unconventional Success..."
Replies: 5
Views: 414

Re: Swensen's "Unconventional Success..."

Hi Taylor,
I clicked on the link you provided (don't really remember seeing it when posted) and read it. Also read the replies made to your post and noticed two names from the past that I remember well, Bob U. and Murray B. :happy
by tomd37
Sat Jul 25, 2015 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Automatic RMD Service - Four Options
Replies: 15
Views: 1330

Re: Vanguard's Automatic RMD Service - Four Options

For the last four or five years I have taken my RMD from just one fund, usually the US total stock market index fund since that is where the most of my gain has been and doing so allows me to rebalance as might be needed. I also direct them to withhold a certain percentage for federal tax. I take my...
by tomd37
Sat Jul 25, 2015 1:41 pm
Forum: Investing - Theory, News & General
Topic: Swensen's "Unconventional Success..."
Replies: 5
Views: 414

Swensen's "Unconventional Success..."

I just checked out David Swensen's "Unconventional Success, A Fundamental Approach to Personal Investment" (2005) from my public library and read it. Most people here recognize him as being the chief investment officer of Yale University and is responsible for managing and investing the un...
by tomd37
Sat Jul 25, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Home Window Replacement - Recommendations (Southwest)?
Replies: 11
Views: 674

Re: Home Window Replacement - Recommendations (Southwest)?

It would help if responders would put their location when responding. It would help the OP know what part of the country is being talked about and for other reasons such as Milgard is only available in certain parts of the country and knowing the weather conditions for the responders area. :idea:
by tomd37
Fri Jul 24, 2015 6:06 pm
Forum: Forum Issues and Administration
Topic: Are Things Slowing Down Again?
Replies: 10
Views: 1316

Are Things Slowing Down Again?

For the last couple of hours things seem to be slowing down again across this site as response has slowed considerably. Have problems developed again?
by tomd37
Fri Jul 24, 2015 8:54 am
Forum: Personal Consumer Issues
Topic: OTR Microwave [Over The Range]
Replies: 19
Views: 1260

Re: OTR Microwave

When we last replaced our OTR microwave we installed a GE Profile 30" unit that exhausts to the outside at the top of the microwave unit directly through the outside wall behind the stove and microwave. When using the microwave the unit vents from the inside of the microwave to the outside. Whe...
by tomd37
Thu Jul 23, 2015 9:08 pm
Forum: Personal Consumer Issues
Topic: Asking for separate checks?
Replies: 71
Views: 4888

Re: Asking for separate checks?

This old couple always asks for separate checks if we have not advised the others in advance that we are hosting them. I like to be able to enjoy a couple of drinks, an appetizer or salad if desired, any entrée to my liking regardless of cost, and a good tip for good service. Some of our friends hav...
by tomd37
Thu Jul 23, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 34
Views: 2045

Re: Is there a service that will email you with each credit card purchase?

My American Express Blue Cash card (the original one) offers that email service. My wife goes shopping and I already know the amount of purchases before she arrives home. My LLBean card through Barclays Bank has the same service but email notifications are delayed by at least a day.
by tomd37
Wed Jul 22, 2015 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Bond Funds
Replies: 3
Views: 315

Re: Treasury Bond Funds

Thank you very much for those symbols.
by tomd37
Wed Jul 22, 2015 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Bond Funds
Replies: 3
Views: 315

Treasury Bond Funds

When people refer to both intermediate and short term U.S. Treasury bond funds with AAA ratings, to what specific fund symbols are they referring using Vanguard funds as an example? I constantly see references to Treasury funds and TIPS as possibly being the safest for the bond side of a portfolio.
by tomd37
Wed Jul 22, 2015 7:22 pm
Forum: Personal Consumer Issues
Topic: Ross Root Feeder
Replies: 24
Views: 1612

Re: Ross Root Feeder

I have been using a root feeder for years now. My feeder is about 14" in length and you can feed fertilizer if you attach the fertilizer jar. Good idea to get the water direct to the depth desired where the roots are. Don't forget to come out to the drip line of the tree where the absorbing roo...
by tomd37
Wed Jul 22, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 3674

Re: How to pay taxes on blog income?

pshonore, I refer to them as "EIC ceiling watchers"; always looking up at the ceiling to look for their income and expenses to go on their Sch C. Funny how those figures just appear there so it maximizes their EIC! :annoyed Then they get disturbed with me when I refuse to do their return u...
by tomd37
Mon Jul 20, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Amended 1040X
Replies: 6
Views: 308

Re: Amended 1040X

And don't forget that the last 1040-X actually mailed becomes the revised 1040 from which any further change takes place. I hope you have complete copies of the original return and any and all amendments done. Sure as heck this is going to end up in your lap to resolve in view of the fact this "...
by tomd37
Mon Jul 20, 2015 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Amended 1040X
Replies: 6
Views: 308

Re: Amended 1040X

You definitely need a new tax advisor who knows what he is doing. This guy definitely has no clue! Any tax preparer should know that that QCDs cannot be claimed as an itemized deduction on Schedule A. If I remember correctly from your other post somewhere (?) you stated he had not actually filed (ma...
by tomd37
Mon Jul 20, 2015 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Amended 1040X
Replies: 6
Views: 308

Re: Amended 1040X

Does this have to do with the 1040-X post you made here or somewhere else recently? :? If so can you explain what you did recently that is resulting in this post? I thought the answer you got to the other post was pretty clear.
by tomd37
Mon Jul 20, 2015 4:38 pm
Forum: Personal Consumer Issues
Topic: Termite bond rip off??
Replies: 14
Views: 1111

Re: Termite bond rip off??

Riptide, I fell for a Terminix plan 18 years ago. After buying this house I had the foundation properly treated by them (no issues with that portion) and an annual renewal of $95. Well the annual fee has increased over the years and is up to $270 now and will not be renewed again. :annoyed I live in...
by tomd37
Thu Jul 16, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey ELP's [Endorsed Local Providers]
Replies: 9
Views: 1524

Re: Dave Ramsey ELP's

CassiusRex,
Saved you $450 per month? With a savings of $5,400 per year you must have one heck of a big insurance bill. I only pay an annual combined total of $2,800 for my homeowners, auto, umbrella, and valuable personal property insurances.
by tomd37
Wed Jul 15, 2015 2:16 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 69
Views: 7083

Re: Jack Bogle in this Month's Money Magazine

Thanks for the alert. My Money magazine arrived this morning, :thumbsup
by tomd37
Tue Jul 14, 2015 9:18 pm
Forum: Investing - Theory, News & General
Topic: Malkiel's Life-Cycle Investment Guide
Replies: 1
Views: 343

Malkiel's Life-Cycle Investment Guide

For the past fifteen years I have had an interest and investment in Vanguard’s REIT index fund, through thick and thin. Burton Malkiel, in his 2012 revised and updated version of “A Random Walk Down Wall Street” and in his older “The Random Walk Guide to Investing”, has discussed his preference for ...
by tomd37
Tue Jul 14, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: Tax Consequnces of Retiring to VA or TN
Replies: 14
Views: 1325

Re: Tax Consequnces of Retiring to VA or TN

Just watch out for all those fast cars in your area Toons and the throngs that come to see them! :wink: Nice area though but different than my wife remembers in the mid-50s at ETSU.
by tomd37
Tue Jul 14, 2015 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax forms
Replies: 25
Views: 748

Re: IRS tax forms

Coffeehubcap, Regarding the amended returns (Form 1040-X); if the first 1040-X was never mailed to the IRS (and btw a 1040-X cannot be submitted electronically), then a second 1040-X should not be prepared and neither mailed. Just prepare a single 1040-X reflecting the total changes from the origina...
by tomd37
Tue Jul 14, 2015 10:06 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax forms
Replies: 25
Views: 748

Re: IRS tax forms

Not sure if all the forms online at irs.gov can be filled in online and then printed out for mailing, but suspect so. At least they can be printed out without data. If you have social security benefits use great care in preparing the social security worksheet to arrive at the correct figure to go to...
by tomd37
Tue Jul 14, 2015 9:57 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax forms
Replies: 25
Views: 748

Re: IRS tax forms

LadyIJ, Most tax forms and their instruction booklets are no longer placed in libraries and can be obtained online at http://www.irs.gov under the tab forms and publications. You might want to consider the use of IRS sponsored free tax preparation services such as Tax Counseling for the Elderly (TCE...
by tomd37
Mon Jul 13, 2015 7:26 pm
Forum: Personal Consumer Issues
Topic: Is vinyl used in some leather car seats?
Replies: 21
Views: 1458

Re: Is vinyl used in some leather car seats?

Cannot answer your questions specifically about the leather being used in more current vehicles. But in researching new cars in the last several years, I have noticed that many companies use the term "leather inserts" or "leatherette" or such similar terms. I also notice that rea...
by tomd37
Mon Jul 13, 2015 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 2944

Re: Credit Score Question - Credit Cards

:thumbsup to last reply.
by tomd37
Sun Jul 12, 2015 9:44 am
Forum: Personal Finance (Not Investing)
Topic: No Income (yet) means No Loan
Replies: 21
Views: 2011

Re: No Income (yet) means No Loan

Meg77, Just what do you mean "taxable income"? As retirees we have no earned income, but we do have federal taxable income of some $75,000 each year based on income derived from combined social security benefits, a military pension, and our required minimum distributions. Would we not be e...
by tomd37
Sat Jul 11, 2015 9:22 pm
Forum: Personal Consumer Issues
Topic: Curtains vs. Shutters?
Replies: 7
Views: 817

Re: Curtains vs. Shutters?

Freedom, I did not realize it, but in our family room we have three 38" x 62" double-hung windows side by side totaling 114" in length. Our shutter guy installed three invisible tilt plantation shutters, all mounted in one frame mounted on the window casing. Each of the three shutters...
by tomd37
Sat Jul 11, 2015 5:51 pm
Forum: Personal Consumer Issues
Topic: Curtains vs. Shutters?
Replies: 7
Views: 817

Re: Curtains vs. Shutters?

Have to agree with Rixer about the insulating properties. Winter or summer, you can immediately notice the difference when you open the shutters as they do a great job of insulating, of course only until you open them. We even put the plantation shutters on the three exterior doors with glass; front...
by tomd37
Sat Jul 11, 2015 4:26 pm
Forum: Personal Consumer Issues
Topic: Curtains vs. Shutters?
Replies: 7
Views: 817

Re: Curtains vs. Shutters?

Three years ago we did a "major" renovation to our home that included, among many other things, the installation of plantation shutters on the thirty-six windows in our home. They were by Norman and were the three and one-half inch shutters. We paid a total of $9,100 and consider it a very...
by tomd37
Fri Jul 10, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: ConsumerReports MoneyAdviser
Replies: 6
Views: 1003

Re: ConsumerReports MoneyAdviser

I would personally recommend "Kiplinger's Personal Finance" as a replacement. In January of this year I started my 51st continuous year of my subscription to it. Back in 1965 it was known as "Kiplinger's Changing Times". :thumbsup
by tomd37
Fri Jul 10, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: ConsumerReports MoneyAdviser
Replies: 6
Views: 1003

Re: ConsumerReports MoneyAdviser

Consumer Reports is also canceling production of it "Shop Smart" magazine immediately with the remaining period of the subscription being added to my existing "Consumer Reports" magazine and the recipient of a gift subscription is getting "Consumer Reports" through the ...
by tomd37
Mon Jul 06, 2015 9:31 pm
Forum: Forum Issues and Administration
Topic: [Forum running slow]
Replies: 43
Views: 2565

Re: [Forum running slow]

Seems to be working just fine now. Thanks to all for their efforts in resolving the issue. :thumbsup
by tomd37
Mon Jul 06, 2015 9:08 am
Forum: Forum Issues and Administration
Topic: [Forum running slow]
Replies: 43
Views: 2565

Re: Slow down?

I too am getting a lot of delays on this particular site again today, as much as 15 seconds. Can anyone enlighten us as to why problems on this particular site in recent days including today now? No issues on other sites.
by tomd37
Sat Jul 04, 2015 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Longtime Insurance Customers Get Ripped [overcharged]
Replies: 106
Views: 14177

Re: Longtime Insurance Customers Get Ripped [overcharged]

One thing that jumps out to me in reading this post and another recent post on the subject of insurance rates; just how do you know what level of service you are going to get from your new company? I have been with USAA for 54 years now currently having home, auto, umbrella, and valuable personal it...
by tomd37
Sat Jul 04, 2015 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: MetLife Experience for Auto/Home/Umbrella?
Replies: 9
Views: 1395

Re: MetLife Experience for Auto/Home/Umbrella?

Where does one go to get a quote for MetLife insurances; to a local agent or to corporate? When searching on MetLife insurances I find many local agents plus what appears to be a corporate site. What is your experience? Edit: Also for someone to quote pricing for a type of insurance does no good as ...
by tomd37
Sat Jul 04, 2015 3:43 pm
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 119
Views: 11423

Re: What is the best meal you've had at a restaurant?

As an old (now 78) and a meat and potatoes guy all my life, the best piece of meat was a 1" thick piece of boneless prime rib served at a placed called Creightons in the Fort Lauderdale area in 1965. It was served on a 12" plate and occupied no less than 10" of that plate. And I did n...
by tomd37
Sat Jul 04, 2015 3:14 pm
Forum: Personal Consumer Issues
Topic: Jetta Sportwagen Question
Replies: 42
Views: 3939

Re: Jetta Sportwagen Question

I only wish that VW would return to offering a Passat station wagon in the United States. The ones offered in Europe are absolutely gorgeous in my opinion. I had both a 2001.5 6-cyl Passat and a 2008 2.0 Turbo Passat wagons. The 2008 is still running fine with no issues for my daughter. The new Golf...
by tomd37
Fri Jul 03, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: Provia Legacy Steel Entry Door Experience?
Replies: 11
Views: 1213

Re: Provia Legacy Steel Entry Door Experience?

Thanks for the update Leonard. Glad it all worked out for you. :sharebeer
by tomd37
Mon Jun 29, 2015 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: federal tax return rejected
Replies: 14
Views: 1857

Re: federal tax return rejected

MN Finance, Just wondering how old you are. It is common to see younger people such as college students being claimed as a qualified dependent on their parents return then when the younger person files their own return they forget that they should not be claiming a personal exemption for themselves....
by tomd37
Sat Jun 27, 2015 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: ? Portfolio for older couple
Replies: 17
Views: 3918

Re: ? Portfolio for older couple

Ruralavalon, Please help me better understand your statement "but a loss of tax efficiency" in your reply. Am not challenging it, but rather trying to better understand exactly what you mean. 95% of my retirement is in tax-advantaged accounts with the remainder in taxable accounts right no...
by tomd37
Sat Jun 27, 2015 1:43 pm
Forum: Forum Issues and Administration
Topic: Is there a way to search just for a Member's topics?
Replies: 4
Views: 1314

Re: Is there a way to search just for a Member's topics?

Thanks to all who responded, online here or by private message. I appreciate the assistance.
by tomd37
Sat Jun 27, 2015 11:20 am
Forum: Forum Issues and Administration
Topic: Is there a way to search just for a Member's topics?
Replies: 4
Views: 1314

Re: Is there a way to search just for a Member's topics?

I too would like to know the procedure to find only the posts that I have originated, that is without going through an entire list of both initiated and responded to posts. :confused
by tomd37
Fri Jun 26, 2015 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: ? Portfolio for older couple
Replies: 17
Views: 3918

Re: ? Portfolio for older couple

I'm back again and still thinking (and maybe overthinking) about our portfolio. Still thinking about 1) a reduction in the overall asset allocation from 50/50 stock/bond ratio to a 40/60 ratio, 2) to reduce the over-weight in the REIT index fund, and 3) to make it easier to maintain the 40/60 ratio....
by tomd37
Wed Jun 24, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: funding roth ira for son
Replies: 16
Views: 2153

Re: funding roth ira for son

Gips, Assuming your son established a Roth IRA not in excess of his "earned income", I hope he filed a tax return for 2014 reflecting that earned income. Doing so would prove to the IRS that he had earned income to support the establishment of the IRA. If he did file a return I also hope h...
by tomd37
Wed Jun 24, 2015 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Fraud [Understanding fraudulent returns]
Replies: 6
Views: 911

Re: IRS Fraud

I recently read, in a tax newsletter, that the IRS is going to require the submission of W-2 data from employers by January 31st. We will see if that happens and what effect it might have.
by tomd37
Mon Jun 15, 2015 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Amending 2014 tax return?
Replies: 3
Views: 502

Re: Amending 2014 tax return?

You might look at IRS Form 1040-X and its instruction booklet online at http://www.irs.gov. But if you post your questions here I know there are a number of tax preparers (volunteer and paid) on this site that can help answer questions or give suggestions to you.

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