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by user5027
Sat May 23, 2015 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Future Finances? Quicken etc.
Replies: 8
Views: 530

Re: Calculating Future Finances? Quicken etc.

I've done this for years. I do not use quicken. I keep our check register in excel. Every year I copy the prior years transactions and add 365 days to the date field and highlight the next year in yellow. I delete the outliers. It provides an excellent projection where we will be at any point during...
by user5027
Fri May 22, 2015 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Challenges Opening a Vanguard Account
Replies: 9
Views: 583

Re: Challenges Opening a Vanguard Account

I understand your frustration but as a Vanguard customer I am happy to hear they are as careful as you have described.
by user5027
Thu May 21, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Parks to visit between TX and PA?
Replies: 23
Views: 736

Re: Parks to visit between TX and PA?

If there is an interest in trains...

Horseshoe Curve in Altoona, PA is close to State College and not too far out of the way for Gettysburg.
by user5027
Fri May 08, 2015 5:04 pm
Forum: Personal Consumer Issues
Topic: What to use to clean car
Replies: 45
Views: 3445

Re: What to use to clean car

I used to just vacuum the inside with a shopvac, but I discovered that the blower works wonders. I remove everything loose in the car. Of course, vacuum first, then open all the doors and blow everything out the other door. Really gets out all the crumbs from the cracks and crevices without the bot...
by user5027
Tue Apr 28, 2015 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Trust fund
Replies: 17
Views: 899

Re: Trust fund

Thank you all. From what you are saying: 1. My information is not correct on how my retirement savings will be taxed after I pass. I was led to believe that there is a 40% tax on estate transfers including retirement accounts. 2. The minimum which I need for a Vanguard trust fund is much less and I...
by user5027
Tue Apr 28, 2015 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Rookie question about investing in traditional IRA
Replies: 3
Views: 279

Re: Rookie question about investing in traditional IRA

Aloha everyone, I am 28 years old and am now taking a plunge into my financial journey to independence. Last night I set up a Vanguard account to transfer money into a Vanguard Life Strategy Growth Fund for a 401k. The question I have is, I thought the maximum contribution to a 401k was `$17500 but...
by user5027
Tue Apr 28, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Getting the stink out of running clothes
Replies: 34
Views: 2237

Re: Getting the stink out of running clothes

TomatoTomahto wrote: Nothing, but nothing, smells worse than hockey gear.


+1

We found the trick with hockey gear is to not leave it in the bag after getting home. Take it out and let it air dry, especially outside on a nice day.

The problem may be worse if you toss your running clothes in the hamper.
by user5027
Mon Apr 27, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: Quietest garage door and opener
Replies: 19
Views: 1653

Re: Quietest garage door and opener

My current garage door opener is Marantec, and it is very quiet. When it was installed, my daughters noted they could have sneaked in late if we had the Maratec opener when they were teenagers. They stood no chance of sneaking in late with the old opener. :happy Broken Man 1999 Good point. It is li...
by user5027
Mon Apr 27, 2015 6:52 am
Forum: Personal Consumer Issues
Topic: Quietest garage door and opener
Replies: 19
Views: 1653

Re: Quietest garage door and opener

I think a single panel door would be quieter than a sectional garage door.
by user5027
Sun Apr 26, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: Roasting green coffee beans at home
Replies: 10
Views: 971

Re: Roasting green coffee beans at home

[quote="KlangFool"Please noted that unless you have a big house and out in the rural area, your house may smelled of burn popcorn all the times.[/quote]

+1

I use to roast green beans and always did it outside.
by user5027
Sat Apr 25, 2015 11:06 am
Forum: Personal Consumer Issues
Topic: taking break from computer use - to avoid back pain
Replies: 17
Views: 625

Re: taking break from computer use - to avoid back pain

As a remedy, I would like to remind myself every 40 minutes to get out of the seat during work hours and take a walk for few minutes. I thought there may be an online/phone app already for this purpose and would like to find what it is. ! My android phone came with an "Alarm/Clock" app. I...
by user5027
Thu Apr 23, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 3221

Re: Drive a local car, rent for trips ?

Our family (4) and my wife's sister's family (4) all rode up together from SE PA in a 15 passenger van without the rear seat for luggage space. The rental places will take out the seat for you. . 15 passenger vans are extremely hazardous vehicles http://www.nhtsa.gov/About+NHTSA/Press+Releases/Cons...
by user5027
Thu Apr 23, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: How should anticipated inheritance affect asset allocation?
Replies: 17
Views: 1316

Re: How should anticipated inheritance affect asset allocati

I would not consider it. Things can change dramatically.
by user5027
Thu Apr 23, 2015 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: life and disability insurance question
Replies: 3
Views: 362

Re: life and disability insurance question

I was always a believer in having adequate insurance but never too much. You want to be worth more alive and working. That's why I dropped it when I retired. Don't want to give my wife any more incentive!! :twisted:
by user5027
Thu Apr 23, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 3221

Re: Drive a local car, rent for trips ?

We use to rent vans and minivans for trips when our children were growing up. One Thanksgiving my wife's extended family (father, step-mom, 3 siblings and 4 stepsisters) all met in Killington at a large B&B the one stepsister was managing. Our family (4) and my wife's sister's family (4) all rod...
by user5027
Thu Apr 23, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: cleaning plastic eyeglass lenses
Replies: 30
Views: 1743

Re: cleaning plastic eyeglass lenses

When I got new eyeglasses last year I eschewed any and all coatings. No anti-glare. No scratch-resistent. I did this because my previous glasses were driving me crazy. The slightest touch would smudge them and to clean them required a special cloth or a hand washing with mild dish soap. I also scra...
by user5027
Mon Apr 20, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Car for teenager
Replies: 52
Views: 3004

Re: Car for teenager

One tip a college friend passed along to me when our children started driving was when they have the first fender bender, do not fix it (unless you have too). Every time they get into the car they will see it as a reminder of what happens when they are not careful.
by user5027
Sat Apr 18, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Cleaning out large basement - cost to rent a dumpster?
Replies: 29
Views: 2100

Re: Cleaning out large basement - cost to rent a dumpster?

Another option is to rent a truck and take the stuff to the dump or transfer station yourself.
by user5027
Wed Apr 15, 2015 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Legal Group Invitation?
Replies: 8
Views: 942

Re: Vanguard Legal Group Invitation?

Matahari wrote: You should contact Vanguard and alert them that their brand is possibly being misued.


The Legal Group is going to need a lawyer. :oops:
by user5027
Sun Apr 12, 2015 6:43 pm
Forum: Personal Consumer Issues
Topic: Input wanted from BMW owners
Replies: 44
Views: 4488

Re: Input wanted from BMW OWNERS

We have a 1991 BMW 325I and constantly get asked if we want to sell it. People have knocked on the door and just last week the AC service guy asked while he was here. I've been told it was last good model BMW has made. The car runs great with minimal repairs and is a blast to drive. My daughter had ...
by user5027
Sun Apr 12, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Flood insurance premium compared to homeowners?
Replies: 1
Views: 277

Re: Flood insurance premium compared to homeowners?

We are in Pennsylvania but I am looking out my window at New Jersey. That will tell the geographically inclined what body of water is the flood threat. Just renewed home owners and flood insurance (we are with Liberty Mutual too). In 2015 HO increased 17%, FI increased 16% and FI/HO = 2.28 In 2014 H...
by user5027
Fri Apr 10, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Would you use your neighbor's son for yard service?
Replies: 33
Views: 2246

Re: Would you use your neighbor's son for yard service?

MikeWillRetire wrote:Life was just so much simpler when I was a young man.....



+1 Cutting lawns in the neighborhood, when I was a young teen, was my first exposure to working for money. :moneybag
by user5027
Fri Apr 10, 2015 9:53 am
Forum: Investing - Help with Personal Investments
Topic: FDIC coverage
Replies: 3
Views: 326

Re: FDIC coverage

A joint account is not a trust account.
by user5027
Thu Apr 09, 2015 10:19 pm
Forum: Investing - Theory, News & General
Topic: Wall Street Fees Wipe Out $2.5 Billion in NYC Pensions
Replies: 17
Views: 2640

Re: Wall Street Fees Wipe Out $2.5 Billion in NYC Pensions

20/20 hindsight - we should have been tilted with financials while they were hosing them. :greedy
by user5027
Sat Apr 04, 2015 8:08 pm
Forum: Personal Consumer Issues
Topic: The train from Oslo to Copenhagen? Copenhagen ideas?
Replies: 25
Views: 1618

Re: The train from Oslo to Copenhagen? Copenhagen ideas?

Almost forgot - Little Mermaid.
by user5027
Sat Apr 04, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: The train from Oslo to Copenhagen? Copenhagen ideas?
Replies: 25
Views: 1618

Re: The train from Oslo to Copenhagen? Copenhagen ideas?

Copenhagen; Tivoli Gardens - it is right across from the train station. The canal boat tour. Nyhavn. You will be amazed by the number of people that commute by bicycle. There are thousands of bicycles parked at the train station. Many people ride the train for work and finish the last few miles by b...
by user5027
Fri Apr 03, 2015 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring Before Age 66
Replies: 21
Views: 4105

Re: Retiring Before Age 66

kmurp wrote:Would it be advisable to use money from a taxable investment account to fund an IRA and do yearly Roth conversions with that?


You need earned income to contribute to an ira.
by user5027
Fri Apr 03, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring Before Age 66
Replies: 21
Views: 4105

Re: Retiring Before Age 66

jcjc wrote:Hadn't thought of that. Our tax rate is high presently so didn't occur to me.


Here is the wiki on Roth Conversions...
http://www.bogleheads.org/wiki/Roth_IRA_conversion
by user5027
Tue Mar 31, 2015 8:01 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 9041

Re: Did you learn anything from 2008?

I learned to be sitting down before opening the statement from Vanguard. :shock: 2008 was before I had setup online access to my account. The jokers were saying they had a 401k now it is a 201k. :annoyed I did nothing. Work actually increased contributions to help the pain and all turned out well. I...
by user5027
Thu Mar 26, 2015 4:44 pm
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 7017

Re: My evil plan backfired

Reminds me of the backhanded compliment tossed around the office after you do something good...

"Even a blind squirrel will find a nut every once and a while."
by user5027
Thu Mar 26, 2015 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: help w/ margin account
Replies: 7
Views: 703

Re: help w/ margin account

Sorry I am not able to help since I do not know the answers to your questions.

I have heard you should never invest in anything you do not understand.
by user5027
Wed Mar 25, 2015 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Advice for parents [with large cash holdings]
Replies: 15
Views: 1673

Re: Advice for parents

Lafder wrote:They should put the cash in 2 savings accounts to allow it to be under the 250k FDIC insurance amounts.



If it is a joint account they are okay with one. The 250k FDIC limit is per owner.
by user5027
Tue Mar 24, 2015 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Munis when moving to a different state
Replies: 9
Views: 1167

Re: Munis when moving to a different state

Do you have any tax deferred (401k or tira) or tax free (roth) savings? Own your bonds there rather than in your taxable holdings and you do not need munis.
by user5027
Tue Mar 24, 2015 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Opening Roth IRA
Replies: 2
Views: 312

Re: Opening Roth IRA

You can open anytime before April 15th 2015 and make a 2014 contribution.
by user5027
Sun Mar 22, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal IRA and Tax Return for 2014
Replies: 5
Views: 444

Re: Spousal IRA and Tax Return for 2014

Yes and yes.

I would do the worksheet in the 1040 instructions to make sure your income is not over the limits/phaseout.
by user5027
Sat Mar 21, 2015 7:32 pm
Forum: Investing - Theory, News & General
Topic: The random stock portfolio bogey - beating the monkey
Replies: 150
Views: 9603

Re: The random stock portfolio bogey - beating the monkey

Two questions;

1) Does the monkey charge 1% of AUM?

2) When the monkey talks, do people listen?

:wink:
by user5027
Mon Mar 16, 2015 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: RMD's
Replies: 3
Views: 459

Re: RMD's

I would sell whatever asset will help her re-balance to her desired allocation.

Edit: Ralph was posting as I was drafting.
by user5027
Sat Mar 14, 2015 7:47 am
Forum: Forum Issues and Administration
Topic: Post removed or moved?
Replies: 12
Views: 1430

Re: Post removed or moved?

Check your messages, click between ( and ) to the right of "User Control Panel" located above left.

I believe a moderator would send you a message if it was intentionally removed.
by user5027
Fri Mar 13, 2015 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC loan
Replies: 8
Views: 991

Re: HELOC loan

Hi Everyone, My husband has a HELOC loan that he is paying monthly. I recently came across the mortgage document (the multi page thing that gets recorded at the Registry of Deeds) and learned to my surprise that I am also listed on the loan as a co-borrower. Enough time has passed that I'm over my ...
by user5027
Fri Mar 13, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance
Replies: 20
Views: 1342

Re: Travel Insurance

Do people tend to buy travel insurance when they leave the country for a vacation, and if so, how do they decide which policy to buy? We have purchased travel insurance for cruises. We were primarily interested in the medical evacuation coverage. One of our cruises was the Titanic Memorial cruise. ...
by user5027
Tue Mar 10, 2015 11:34 am
Forum: Investing - Theory, News & General
Topic: Advance event pricing
Replies: 4
Views: 407

Re: Advance event pricing

Let me look at my tea leaves. :happy

And then what happens in May when they think the June rate hike will be half of what they thought in April.
by user5027
Sat Mar 07, 2015 5:09 pm
Forum: Personal Consumer Issues
Topic: Time of Use Electrical Rates
Replies: 22
Views: 1528

Re: Time of Use Electrical Rates

Our electric company offered to pay us an $120 annual rebate to place a device on our central air conditioner that would throttle it during periods of large demand (ie. hot days). My wife asked, "why would we want the ac to not work at 100% when we need it the most?" :?: The offer was prom...
by user5027
Sat Mar 07, 2015 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Wait till June Fed meeting before adding to VBTLX?
Replies: 17
Views: 1205

Re: Wait till June Fed meeting before adding to VBTLX?

rocko wrote: The down side of wait-and-see is...?


.... knowing when to push the buy button. :confused
by user5027
Sat Mar 07, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Driveway Replacement Cost
Replies: 36
Views: 2902

Re: Driveway Replacement Cost

If you are in snow country, black asphalt will absorb the sunlight and help melt snow and ice faster than white concrete.
by user5027
Thu Feb 26, 2015 3:25 pm
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 6419

Re: Is a generator worth it?

In 2006 we lost power after a storm in our area and on the second day I decided to go to Home Depot and buy a 5kw generator to power the fridge, well pump and a few circuits. They were sold out and I bought an 8kw (13kw starting) generac/briggs & stratton with electric start for $1,200. More tha...
by user5027
Thu Feb 26, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: cold air from electric socket
Replies: 17
Views: 1867

Re: cold air from electric socket

sksbog wrote:Yes, its on outside wall. Thanks, I did not know this could be fixed.
I will be doing this over the weekend :D


If you will be removing the outlet cover plate turn off the circuit first at the electrical panel to avoid electrical shock. :idea: <<< thought this was appropriate!
by user5027
Thu Feb 26, 2015 10:04 am
Forum: Investing - Theory, News & General
Topic: Fidelity IRA match for rolling over your tIRA or Roth IRA
Replies: 3
Views: 503

Re: Fidelity IRA match for rolling over your tIRA or Roth IR

I always like it when I get the call from our newspaper (which I have subscribed to for 30 years) calls with a deeply discounted subscription rate. We get fairly far along in the process when I reveal I already have a subscription and want to extend it at the discounted rate. They always then announ...
by user5027
Mon Feb 23, 2015 3:02 pm
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3984

Re: Retirement - Surprises, Solutions

My sister in law retired a year or two before I did and she warned me when I announced my retirement that projects will now take a lot longer to get done and she was right. When I was working, the around the house projects would be planned out to get them done over the two day weekends. Now .... ehh...
by user5027
Fri Feb 20, 2015 9:52 am
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 4345

Re: Car Battery in Unusual Cold

I have found that keeping the terminals clean pays dividends (<< boglehead term :D ). About six weeks ago my truck had sat for a week during a cold spell and the battery would not start the engine. I jumped it and ran it for 20 minutes. I also noticed a build up of corrosion on the positive terminal...
by user5027
Wed Feb 18, 2015 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Share tools/tips to help with tax planning 2016?
Replies: 2
Views: 221

Re: Share tools/tips to help with tax planning 2016?

I keep my check register in excel. If an item is tax deductible I have a column that I put a "1" in. That way when I am doing my taxes I will filter that years entries with that "1" and it is easy to find them. When I make a charitable contribution online, I print a receipt to pd...

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