Search found 2075 matches

by tomd37
Thu Aug 27, 2015 6:24 pm
Forum: Investing - Theory, News & General
Topic: Where are John Bogle and Warren Buffett
Replies: 18
Views: 2232

Re: Where are John Bogle and Warren Buffett

Don't know that I would consider this as "trying times".
by tomd37
Wed Aug 26, 2015 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Deluxe 2012
Replies: 3
Views: 268

Re: Quicken Deluxe 2012

Yes, I do enter transactions manually. Just looking for an easy way to track my check issuances and reconcile them on a monthly basis. At 78 I could still do than manually, but like the current method using Quicken Deluxe 2012. Thanks for the replies thus far.
by tomd37
Wed Aug 26, 2015 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Deluxe 2012
Replies: 3
Views: 268

Quicken Deluxe 2012

I do not want to hijack the other post about Quicken being sold off, but I need help in understanding what Quicken does or can do. I have Quicken Deluxe 2012 and used its predecessors and only use it only to track and reconcile my two bank checking accounts. Based on what I see on the other post the...
by tomd37
Tue Aug 25, 2015 9:01 am
Forum: Personal Consumer Issues
Topic: Ant Control
Replies: 59
Views: 3118

Re: Ant Control

Gatorman, Take a very close look at the ground and lower walls around the perimeter of your home and see if you can locate these ants. I have problems with these tiny ants, especially during the spring when there is more wet weather. I have had excellent results using "Terro" brand granula...
by tomd37
Mon Aug 24, 2015 7:19 pm
Forum: Personal Consumer Issues
Topic: washing machine [Recommendations for]
Replies: 39
Views: 3000

Re: washing machine [Recommendations for]

Angel, Your lucky - third time in ten years. My same unit is three times in four plus years and for the last repair the warranty company almost refused to repair it and offered to pay me the purchase price, but then took back their offer. I have another 8 months on the five year extended warranty an...
by tomd37
Mon Aug 24, 2015 1:34 pm
Forum: Personal Consumer Issues
Topic: Mysterious AC noise
Replies: 5
Views: 290

Re: Mysterious AC noise

Sounds like a harmonic vibration of some type. Was going to suggest closing and reopening of all ceiling vents, but you have already done that. Go up in the attic and attempt to move the hvac unit ever so slightly just in case it is setting up some vibration on the rafters on which it sits. Check to...
by tomd37
Thu Aug 20, 2015 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing: Investing with friend
Replies: 56
Views: 2157

Re: New to investing: Investing with friend

That guy is not a friend, he is a crook. :oops:
by tomd37
Thu Aug 20, 2015 11:01 am
Forum: Personal Consumer Issues
Topic: washing machine [Recommendations for]
Replies: 39
Views: 3000

Re: washing machine

Goodlifer - Speed Queen has been around for over 100 years. They started as commercial products and eventually went into home products as well. Great reputation as far as I know.
by tomd37
Wed Aug 19, 2015 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Bank closed all my accounts without explanation
Replies: 66
Views: 5422

Re: Bank closed all my accounts without explaination

To me it sounds like an "attitude issue" by the OP. :confused
by tomd37
Wed Aug 19, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: washing machine [Recommendations for]
Replies: 39
Views: 3000

Re: washing machine

You might want to look at top-loading Speed Queen brand. My niece wanted to get away from her Whirlpool Cabrio top-loading HE machine and went with Speed Queen and loves it. She got a higher end one, but they offer a good range of pricing.
by tomd37
Tue Aug 18, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: New Kitchen Appliances
Replies: 31
Views: 2363

Re: New Kitchen Appliances

+1 to jabberwock's post, especially about the high end equipment. I think if you were to do research you will find they are actually less reliable.
by tomd37
Tue Aug 18, 2015 10:06 pm
Forum: Personal Consumer Issues
Topic: New Kitchen Appliances
Replies: 31
Views: 2363

Re: New Kitchen Appliances

Four years ago we completed a major renovation in our kitchen similar to what you describe and installed new 30" slide-in gas stove, over-the-range microwave (with direct outside venting), refrigerator, and dishwasher. All but the dishwasher were GE Profile products while the dishwasher was a B...
by tomd37
Thu Aug 13, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: Is Anybody Here An Ornithologist?
Replies: 29
Views: 1991

Re: Is Anybody Here An Ornithologist?

I am going with the red-shouldered hawk. Is it about 16" in length. The noise as you described it sure fits the bill the this bird of prey. Had one on our back porch railing just this afternoon. They have lived in our immediate area for the past seven years or so and we hear them almost daily. ...
by tomd37
Wed Aug 12, 2015 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else impatient with their car payments?
Replies: 58
Views: 4646

Re: Anyone else impatient with their car payments?

JD2775,
Once that truck is paid off just keep contributing that $600 per month to your future truck purchase and the buy the next one only when you can pay cash in full. Then you won't be concerned about monthly truck payments. :wink:
by tomd37
Wed Aug 12, 2015 9:26 pm
Forum: Personal Consumer Issues
Topic: Garage door opener-Advice sought.
Replies: 16
Views: 1935

Re: Garage door opener-Advice sought.

Something to consider - If the garage is located under a room you might want the quietest unit you can find to keep the noise from going into that room. In such cases I would recommend a belt drive and consider installing nylon rollers on the door. Both sure quieted the operation of my double door w...
by tomd37
Tue Aug 11, 2015 9:43 pm
Forum: Personal Consumer Issues
Topic: Architectural Shingles VS Metal Roof
Replies: 30
Views: 2086

Re: Architectural Shingles VS Metal Roof

If roof gets damaged by something falling on it, what is the repair procedure with metal roof? How easy or difficult? Is there a noise factor when it rains on a metal roof? Are you prone to hail in your area in a severe thunderstorm? Will your home insurance cost more with a metal roof for any reaso...
by tomd37
Tue Aug 11, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: SS withholding
Replies: 22
Views: 1562

Re: SS withholding

Ralph,
I have been doing for years exactly what you say. I take my RMD in November each year and have about 11% withheld for federal tax and I usually end up owing less than $100 on my federal return.
by tomd37
Tue Aug 11, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: SS withholding
Replies: 22
Views: 1562

Re: SS withholding

NoVa Lurker, With all the identity theft and submission of fraudulent returns happening over the past two years, you might want to consider owing the federal government a small amount rather than getting a refund (although I suspect your refund might be small also) so it might not be important to yo...
by tomd37
Tue Aug 11, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Anyone not own a Smartphone
Replies: 76
Views: 3879

Re: Anyone not own a Smartphone

We are like several who responded here. We are of the old school (78 & 80), and do not want to be connected to anyone other than by our choice. We have old clam shell phones that we carry with us basically for emergency purposes or contacting each other with questions if out shopping somewhere. ...
by tomd37
Sat Aug 08, 2015 6:17 pm
Forum: Investing - Theory, News & General
Topic: What Did You Do In The 2008/2009 Stock Market Crash?
Replies: 51
Views: 3435

Re: What Did You Do In The 2008/2009 Stock Market Crash?

JustinCC, I was in the opposite situation as you. I retired at age 65 in August 2002 just as the turn-around was about to start. I was no longer contributing to my investments, but was still five years away from having to take required minimum distributions from my investments. I was working with a ...
by tomd37
Sat Aug 08, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Garbage disposal recs please
Replies: 19
Views: 1233

Re: Garbage disposal recs please

Have to agree with Daveatca regarding the Evolution model by Insinkerator. Much quieter than other models, even the same brand. IMO the one-half horsepower motor is fine.
by tomd37
Thu Aug 06, 2015 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports Makes Significant Changes to Car Buying Service
Replies: 19
Views: 2616

Re: Consumer Reports Makes Significant Changes to Car Buying Service

Sport, As a long time (continuous since January 1965) subscriber to Consumer Reports, I too am not happy with all the changes in the last year or two and will consider not renewing when my current subscription expires, but that is not until 2020. I have had five year subscriptions for many years. :o...
by tomd37
Wed Aug 05, 2015 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Hit with $10k tax bill from 2013, given 3 weeks to pay
Replies: 50
Views: 6075

Re: Hit with $10k tax bill from 2013, given 3 weeks to pay

Sunny - Prior year tax forms are available at the IRS website. Go to it and search on prior year tax forms. :oops:
by tomd37
Wed Aug 05, 2015 12:40 pm
Forum: Forum Issues and Administration
Topic: Delete All Board Cookies ?
Replies: 4
Views: 548

Re: Delete All Board Cookies ?

Good explanation Tim for this old mind. Thanks.
by tomd37
Wed Aug 05, 2015 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Anyone using Vanguard's RMD service?
Replies: 12
Views: 954

Re: Anyone using Vanguard's RMD service?

Thanks for the clarification on the withholding percentages Dale.
by tomd37
Wed Aug 05, 2015 10:51 am
Forum: Forum Issues and Administration
Topic: Delete All Board Cookies ?
Replies: 4
Views: 548

Delete All Board Cookies ?

Subject appears at the bottom of each page. What does it mean, what does it actually do, and is it helpful. I am not computer oriented. :confused
by tomd37
Wed Aug 05, 2015 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Anyone using Vanguard's RMD service?
Replies: 12
Views: 954

Re: Anyone using Vanguard's RMD service?

And you also control how much you want taken out for federal taxes. I believe it is determined as a percentage of the amount being withdrawn from a particular fund or each fund if multiple funds. There may be a minimum of 10%. I take my RMD once a year late in the year (November) and by then have al...
by tomd37
Tue Aug 04, 2015 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Solutions [Return volatility - how long to decide on long-term results?]
Replies: 17
Views: 1003

Re: Portfolio Solutions [Return volatility - how long to decide on long-term results?]

Lucy - How long ago did you make your investment with Portfolio Solutions? I have a gut feeling it was not too long ago. With more information about what asset allocation you selected with them and how long ago that investment took place you might get some better replies here. We all are working in ...
by tomd37
Tue Aug 04, 2015 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Need help getting out of credit card debt
Replies: 16
Views: 1101

Re: Need help getting out of credit card debt

Tech Guy, IMO the most important thing for you to do, in addition to stop using the cards, is to determine how you obtained $27,000 of credit card debt in one year and resolve that issue. Paying off debt and continuing to incur similar debt is your problem. You have to stop the latter and find out w...
by tomd37
Mon Aug 03, 2015 8:56 pm
Forum: Personal Consumer Issues
Topic: New A/C Install
Replies: 13
Views: 1139

Re: New A/C Install

I have the Amana 19 SEER HVAC split system unit up in the attic, which is owned and made by Goodman Industries. It has a better warranty than the Goodman. I have not had any issues with it since installing about four or five years ago. I have seen reported issues on this site about Goodman but perso...
by tomd37
Mon Aug 03, 2015 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to title vehicles for kids?
Replies: 18
Views: 1196

Re: How to title vehicles for kids?

Traveller,
IMO this is not the place to be seeking an definitive reply. Too many legal ramifications requiring an authoritative confirmation based on laws.
by tomd37
Mon Aug 03, 2015 7:13 pm
Forum: Personal Consumer Issues
Topic: New A/C Install
Replies: 13
Views: 1139

Re: New A/C Install

Sounds like you and we need more detailed information about the first two units and what differentiates the second from the first. There well may be good reasons for the ~$1,100 difference which may be well worth it over an estimated twenty year ownership period. Do you have any details about the tw...
by tomd37
Mon Aug 03, 2015 6:14 pm
Forum: Personal Consumer Issues
Topic: New A/C Install
Replies: 13
Views: 1139

Re: New A/C Install

Sounds like the SEER ratings also go up with each unit; 13, 14, and 17 SEER. How important is the SEER rating for a/c in your part of the country and for your particular home configuration? For example, I have two heating/cooling units; one outside for the first floor and a second floor unit located...
by tomd37
Mon Aug 03, 2015 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Large purchase with cash, 0% card, or rewards card?
Replies: 30
Views: 2046

Re: Large purchase with cash, 0% card, or rewards card?

civex,
No credit card? Don't wait until the last minute to apply for one. I have heard of people that never had one (no credit history) and were turned down. Of course I have no idea what your particular situation is and how it might apply to a credit application.
by tomd37
Mon Aug 03, 2015 11:00 am
Forum: Personal Consumer Issues
Topic: Home Warranty company wrongfully denying claim
Replies: 17
Views: 1694

Re: Home Warranty company wrongfully denying claim

Thanks for the update.
by tomd37
Sat Aug 01, 2015 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: ? Portfolio for older couple
Replies: 22
Views: 4427

Re: ? Portfolio for older couple

Over the past fifteen months I have received some very helpful replies to my initial post in April 2014 and thought it best to just tack on my current questions. I basically still have the same 50/50 portfolio consisting of the following funds in my tax deferred account. VTSAX - Total Stock Market I...
by tomd37
Fri Jul 31, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Fuel injector cleaning
Replies: 23
Views: 1234

Re: Fuel injector cleaning

I have always used one of the top-tier gasoline brands and will continue to do so. Thanks for the reply. My wife loves that 2001 ES300 and will drive it as long as she can. At 80, her age may drive that decision. Have had numerous offers from Lexus dealership mechanics and my local mechanic (ex-Lexu...
by tomd37
Fri Jul 31, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: Fuel injector cleaning
Replies: 23
Views: 1234

Re: Fuel injector cleaning

I would ask the question - does the age of the car and type of injector system an older car might have affect any of the replies given here? For example, I have two cars; a 2001 Lexus ES300 with 68,000 miles and a 2010 Toyota Venza with 25,000. Both have fuel injection systems but is there a differe...
by tomd37
Wed Jul 29, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 3785

Re: FWD vs AWD (Vehicle)

Well this subject is about beaten to death now so I will ask about tire replacement on an AWD vehicle. If one or two of the tires wear abnormally for any reason do you have to replace all four tires instead of just the two requiring replacement?
by tomd37
Tue Jul 28, 2015 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Defending against Tax ID theft
Replies: 6
Views: 337

Re: Defending against Tax ID theft

retiredjg - to my knowledge a PIN is only issued to those who have had fraudulent returns submitted under their SSN.
by tomd37
Tue Jul 28, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Defending against Tax ID theft
Replies: 6
Views: 337

Re: Defending against Tax ID theft

As a retiree who withdraws my RMD at year end, I calculate how much federal tax I will owe, compare that amount with how much has been/will be withheld, and then tell Vanguard how much to withhold from that RMD. I always make that amount such that I will owe a small amount and less than $1,000. Owed...
by tomd37
Tue Jul 28, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: Fuel injector cleaning
Replies: 23
Views: 1234

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: 346

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: 1877

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: 1391

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: 450

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: 1391

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: 450

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: 13
Views: 899

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: 1545

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?

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