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Re: soundproofing walls

Consider putting another layer of studs and drywall on your side. Offset the new studs to fall between the existing studs. You can put the studs on the flat to reduce the thickness and not give up as much floor space.
by user5027
Mon Jan 26, 2015 10:17 am
 
Forum: Personal Consumer Issues
Topic: soundproofing walls
Replies: 13
Views: 1571

Re: Selling mutual fund to buy ETF - "out of market" risk

Wait until you have to go through a large 401k to IRA rollover and are out of the market for weeks. :twisted:
by user5027
Thu Jan 22, 2015 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling mutual fund to buy ETF - "out of market" risk
Replies: 17
Views: 833

Re: Master Thread for Philadelphia PA Area Bogleheads Chapte

Had me stumped too so I googled it.

Any other business. I think. :idea:
by user5027
Wed Jan 21, 2015 8:01 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Philadelphia PA Area Bogleheads Chapter
Replies: 89
Views: 3956

Re: I'm thinking about making very large 529 contributions A

No. Our two children are through college and married with their careers underway. We have no grandchildren .... yet.
by user5027
Wed Jan 21, 2015 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 71
Views: 5294

Re: Today was a Really Bad Day in Shanghai

I heard the buyers had a good day. :happy
by user5027
Mon Jan 19, 2015 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Today was a Really Bad Day in Shanghai
Replies: 27
Views: 4038

Re: Lenovo Yoga (& sudden shut down?)

I purchased a HP 2 in 1 p/n 11-n011dx in early November at Best Buy for $400. It has the windows 8.1 operating system. I am happy with it and have had no issues. They dropped the price $50 during the price guarantee period and I got a $50 credit back on my credit card.
by user5027
Fri Jan 16, 2015 10:43 pm
 
Forum: Personal Consumer Issues
Topic: Lenovo Yoga (& sudden shut down?)
Replies: 27
Views: 2130

Re: Why Is "Deflation" A Bad Thing??? How To Prepare/Profit

white_water wrote:My question; where did they put that cash as banks collapsed?


My grandfather hid it in the walls and floors of his house.
by user5027
Mon Jan 12, 2015 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Why Is "Deflation" A Bad Thing??? How To Prepare/Profit?
Replies: 87
Views: 6169

Re: Mice in the house

Being the second mouse to a snap trap has an advantage. :twisted:
by user5027
Sat Jan 10, 2015 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5117

Re: cat water fountain

My cat only drinks from fine crystal. :oops:
by user5027
Sat Jan 10, 2015 8:37 pm
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4673

Re: Mice in the house

Use Victor snap traps w/ peanut butter. +1 And I reuse the traps. May be messier than throwing out the mouse and trap together but it just boggles (< pun intended) my mind that you would throw out a proven effective and reliable trap and keep the one that never traps a mouse. :moneybag Happy hunting.
by user5027
Sat Jan 10, 2015 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5117

Re: Purchasing a car with credit cards for cash back rewards

I have not but I recall my parents telling me that my godmother and her husband where on a cross country vacation when their car broke down in the southwestern US (from Pennsylvania). They decided the repairs exceeded what they wanted to put into the car, went into a dealership, negotiated a deal an...
by user5027
Fri Jan 09, 2015 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing a car with credit cards for cash back rewards?
Replies: 36
Views: 3375

Re: should I stop 401K contributions as I ready to retire?

thanks for taking the time to read/respond. Roth and Roth conversions are not doable due to existing traditional IRA holdings. No better use for the money today, I'm just trying to determine if there is any consideration other than the future marginal tax rate. If I believe the marginal rates will ...
by user5027
Wed Jan 07, 2015 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: should I stop 401K contributions as I ready to retire?
Replies: 24
Views: 2419

Re: Refinance plus cash out...worth it?

Be careful. I have seen sheriff sale notices in the local paper for homes with the judgement amount higher than what the home was bought for (per zillow) and indicating they are upside down (loan exceeds current value). I surmised they did a cash out refinance at market peak, the values dropped, the...
by user5027
Wed Jan 07, 2015 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance plus cash out...worth it?
Replies: 12
Views: 783

Re: Filing My Taxes With Free File Fillable Forms?

I have. I have done our married/joint and our two children single filers returns for several years with the forms. Our married/joint I always printed and mailed but e filed the children's returns. Last year I did our son's fiance's too. Both children married in 2014 so I'll see if I do 3 married/joi...
by user5027
Tue Jan 06, 2015 7:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Filing My Taxes With Free File Fillable Forms?
Replies: 8
Views: 900

Re: How to break up with an advisor

"It's not you, it's me. I have an aversion to high expenses." :happy
by user5027
Mon Jan 05, 2015 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to break up with an advisor
Replies: 33
Views: 3161

Re: New Const or Renov cost/sf

Saving$ wrote: I know adding a 2nd level to an existing structure costs way more per sf than just adding an addition, so there is that difference.


If the existing foundation can withstand the 2nd level it will cost less since you will not have the expense of the foundation that an addition requires.
by user5027
Fri Jan 02, 2015 4:27 pm
 
Forum: Personal Consumer Issues
Topic: New Const or Renov cost/sf
Replies: 7
Views: 1049

Re: Test drive new vehicle without sales pressure?

livesoft wrote:She still drives the Ford, but it keeps leaving bits and pieces of itself on highways around the state and is held together with duct-tape.


In the 70's when I was in high school the motorheads said Ford stood for Fix Or Repair Daily. :)
by user5027
Thu Jan 01, 2015 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 46
Views: 3423

Re: calculators ask for"spending"..pre tax or net after tax

When using calculators like http://www.firecalc.com/ and http://www.cfiresim.com/input.php they request an annual spending amount. To me, 'spending' would be after taxes..are they asking for pre or post-tax annual 'spending' as an input for their models? Spending includes what you will pay in taxes.
by user5027
Thu Jan 01, 2015 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: calculators ask for"spending"..pre tax or net after taxes
Replies: 2
Views: 393

Re: NYS law: Bank safe deposit box jointly owned/1 owner die

In Pennsylvania there is no estate tax between spouses. When a spouse dies, the surviving spouse has free access to the safe deposit box. When my father died the branch manager suggested to my mom that she no longer use the safe deposit box since if she died it would be sealed until inventoried by t...
by user5027
Fri Dec 26, 2014 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: NYS law: Bank safe deposit box jointly owned/1 owner dies
Replies: 13
Views: 1265

Re: Have you ever hoped for a correction?

Have I ever hoped for a correction? Yes, while my 401K rollover to my IRA was out of the market for a few weeks.
I would have felt bad for the rest of you. :twisted:
by user5027
Wed Dec 24, 2014 8:09 am
 
Forum: Investing - Theory, News & General
Topic: Have you ever hoped for a correction?
Replies: 52
Views: 3555

Re: "Why Retirement at 65 is a Fairy Tale"

flyingaway wrote:My wife told me that she wants to quit working at 55. I asked her what she plans to do for the next (possible) 40 years.


Okay I'll bite. What was her answer? Did it include work?
by user5027
Sat Dec 13, 2014 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 12000

Re: TOTALLY STRESSED - HUSBAND LOST JOB..

KlangFool wrote:1) If your children is going to college, why would you pay of the mortgage earlier??


We timed our mortgage to end prior to our oldest child hitting college in 2005.
by user5027
Thu Dec 11, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 29
Views: 6922

Re: [Poll] What's Your Tax Prep Strategy?

Not sure if I will change for 2013 from what I have been doing - downloading the free fillable forms with the instructions, doing it by "hand" and mailing. I do have an excel spreadsheet that I update each year to do all the calculations. I double check them while filling out the forms. I ...
by user5027
Tue Dec 02, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 70
Views: 5032

Re: Online legal documents

Used Nolo Willmaker.
by user5027
Sun Nov 30, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: Online legal documents
Replies: 5
Views: 890

Re: Strategy for paying for bridge years until Social Securi

If you are in the range then where each extra dollar of taxable income makes more of your social security taxable then you could be in a higher effective tax bracket than you might be expecting. Be sure to also look at your tax numbers as if one of you survives the other and starts filing a single ...
by user5027
Sat Nov 29, 2014 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Strategy for paying for bridge years until Social Security
Replies: 20
Views: 3559

Re: repositioning cruise to Europe?

We did a westbound transatlantic. It was the Titanic Memorial cruise. Southampton, Cobh Ireland, Halifax and New York. There was a memorial service at the wreck site 100 years to the second. If you have the time, it is a nice way to cross multiple time zones. One hour change each day and no jet lag.
by user5027
Sat Nov 22, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: repositioning cruise to Europe?
Replies: 11
Views: 1403

Re: How to make withdrawals during retirement

The general rule of thumb is to spend/withdrawal from in this order ... taxable (after tax investments/cash) tax deferred (traditional IRA and 401k) tax free (roth IRA and 401k) Avoid penalties for early withdrawals. Consider conversions to roth before SS and RMD's. Consider health insurance subsidy...
by user5027
Sun Nov 02, 2014 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to make withdrawals during retirement
Replies: 28
Views: 2330

Re: Electric Water Heater

mbres60 wrote:How will that stop a water heater from emptying its contents?


I was responding to the concern for a catastrophic failure.
by user5027
Tue Oct 28, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Electric Water Heater
Replies: 14
Views: 1016

Re: Electric Water Heater

mbres60 wrote: It works fine but now that we are retired we want to travel some and don't want to have to worry about a catastrophic failure while we are gone.


When you travel turn off the power and water supply to the heater.
by user5027
Tue Oct 28, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Electric Water Heater
Replies: 14
Views: 1016

Re: Most financially economical choice for a car

If you believe google results, people are able to buy a Prius for $19k. I wonder how much they save on gas over the years compared to a conventional car. I looked it up: https://www.nytimes.com/2012/04/05/business/energy-environment/for-hybrid-and-electric-cars-to-pay-off-owners-must-wait.html &quo...
by user5027
Tue Oct 28, 2014 5:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4891

Re: NJ - Buying house in flood zone (FEMA)?

I'm comfortable enough given what happened in Sandy that the risk is reasonably contained: basement is unfinished half-height, gets wet every few years anyway in very heavy and prolonged rains where the water table rises above the floor, even Sandy was only a few inches more than that, and I happen...
by user5027
Sat Oct 25, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 48
Views: 3444

Re: Refinancing Advice - is cash out refinance good or bad

I would not.

I have seen local homes listed in sheriffs sales for mortgage foreclosures. The judgement amount exceeded what the homes were bought for. The owners did a cash out refi at the market peak and are now underwater.
by user5027
Sat Oct 25, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing Advice - is cash out refinance good or bad
Replies: 11
Views: 1294

Re: tax implications of international in taxable account

In another thread, a poster advised the OP that owning international in a taxable account was good due to the ability to deduct foreign taxes. Could someone explain to me how that works? What would that mean someone in the highest tax bracket? Are there phaseouts? Do you have to itemize to get a de...
by user5027
Sat Oct 25, 2014 7:43 am
 
Forum: Investing - Help with Personal Investments
Topic: tax implications of international in taxable account
Replies: 3
Views: 478

Re: Question on transferring After Tax Funds

Only the gain is taxable.

If you hold the shares for less than one year it is a short term gain, more than one year is a long term gain. There are different rates.
by user5027
Sat Oct 25, 2014 7:35 am
 
Forum: Investing - Theory, News & General
Topic: Question on Selling After Tax Funds
Replies: 15
Views: 602

Re: NJ - Buying house in flood zone (FEMA)?

I live in Mercer County NJ and was not aware we had flood zones here as we are so far inland and for the most part not near bodies of water.. Mercer County NJ borders the Delaware River. There are section of homes between Route 29 and the river near Sullivan Way that have been flooded numerous times.
by user5027
Fri Oct 24, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 48
Views: 3444

Re: Android Auto -- Google in your car

Boglehead Android Auto...
http://www.amazon.com/dp/B00GZZTTEM?psc=1

Works today in my 1991 BMW.
by user5027
Fri Oct 17, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Android Auto -- Google in your car
Replies: 6
Views: 606

Re: Help on Turbo Tax Long term cap gains

I'm doing a sample run of my 2014 taxes on Turbo Tax. I have about 40% long term cap gains on some taxable Total Stock Market I'd like to exchange to bonds.(sell) My assumption is that since I am in the 15% tax bracket, as long as I say under $70k+ income I would pay no tax on the gains. (line 43) ...
by user5027
Tue Oct 14, 2014 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1752

Re: What if I make a mistake in choosing IRA

I am trying to decide on either a traditional or Roth IRA, as everyone knows it requires a fair amount of guessing in terms of what tax bracket I will be in in the future and what not. Hypothetically, if I end up making a mistake and choose for example a Roth and when I reach retirement I realize t...
by user5027
Mon Oct 13, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: What if I make a mistake in choosing IRA
Replies: 9
Views: 719

Re: Nedd Social Security explained

skeptic88 wrote:Can someone please explain to me what Social Security is, as far as who is eligible for it? What determines how much you get back?
I keep hearing people talk about SS like it is a bond, what that all about?


Everything you need....
http://www.ssa.gov/

It is an annuity.
by user5027
Sun Oct 12, 2014 8:56 pm
 
Forum: Investing - Theory, News & General
Topic: Nedd Social Security explained
Replies: 2
Views: 478

Re: Making distributions to heirs.

Mom's will left her estate to three sons. Dad had passed 2 years earlier. She left unequal amounts to the three. I figured it was based on the grandchildren. One family had 3 grandchildren, one had two and the third had one. Adding it up she had 12 heirs with the sons, daughter in laws and grandchil...
by user5027
Sat Oct 11, 2014 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making distributions to heirs.
Replies: 13
Views: 1508

Re: Best solution for clouded auto headlight lens?

I tried a headlight restoration kit and had limited success. Ultimately wound up buying aftermarket headlamps and had the local garage install them.
by user5027
Sat Oct 11, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 3013

Re: Draw down taxable saving first?

It is an incentive to time retirement so you can do conversions before claiming social security and needing to take RMDs.
by user5027
Sat Oct 11, 2014 6:52 am
 
Forum: Investing - Theory, News & General
Topic: Draw down taxable saving first?
Replies: 43
Views: 3821

Re: Draw down taxable saving first?

It is a huge puzzle that does not have a simple answer. The pieces include... taxable gains and losses short term or long term tax rates (ordinary income, capital gains, state) when will social security kick in (are conversions to roth advantageous before) medical insurance subsidy (drawing from def...
by user5027
Fri Oct 10, 2014 9:34 am
 
Forum: Investing - Theory, News & General
Topic: Draw down taxable saving first?
Replies: 43
Views: 3821

Re: Simple penalty question about 401k/IRA

Yes if the distribution is all pretax and none of the exceptions apply....

http://www.irs.gov/taxtopics/tc558.html
by user5027
Mon Oct 06, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Simple penalty question about 401k/IRA
Replies: 3
Views: 313

Re: I am surely doing something wrong (FireCalc question)

Can I ask Firecalc users another question. How does Firecalc handle investment expenses? Is there some expense ratio input to cover it, or do you have to include it as part of your spending rate in some way, or what? thanks JW You can input your expense ratio on the "Your Portfolio" tab/p...
by user5027
Sat Oct 04, 2014 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: I am surely doing something wrong (FireCalc question)
Replies: 45
Views: 4572

Re: Slingbox to "Wire" TV two floors away?

Slingbox needs to be connected to your network and a computer connected to the network can receive the signal. If screen is too small connect the tv or large enough monitor to the video output from computer.
by user5027
Fri Oct 03, 2014 6:06 am
 
Forum: Personal Consumer Issues
Topic: Slingbox to "Wire" TV two floors away?
Replies: 22
Views: 2388

Re: Lakefront property with small children?

2. From a young age, kids should go to swimming lessons. Swimming lessons start here at 6 months old ;>) It's not overstating it to say that the children in every family in my friend group take swimming lessons. +1 We raised two children and live on a river (across the street). Our neighbor's had a...
by user5027
Tue Sep 30, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2365
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