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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 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 6675

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
Thu Mar 26, 2015 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: help w/ margin account
Replies: 6
Views: 477

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
Wed Mar 25, 2015 6:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for parents [with large cash holdings]
Replies: 15
Views: 1572

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 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Munis when moving to a different state
Replies: 9
Views: 1045

Re: Opening Roth IRA

You can open anytime before April 15th 2015 and make a 2014 contribution.
by user5027
Tue Mar 24, 2015 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Opening Roth IRA
Replies: 2
Views: 286

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
Sun Mar 22, 2015 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spousal IRA and Tax Return for 2014
Replies: 5
Views: 399

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
Sat Mar 21, 2015 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: The random stock portfolio bogey - beating the monkey
Replies: 106
Views: 5269

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
Mon Mar 16, 2015 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD's
Replies: 3
Views: 434

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
Sat Mar 14, 2015 7:47 am
 
Forum: Forum Issues and Administration
Topic: Post removed or moved?
Replies: 12
Views: 1234

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 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELOC loan
Replies: 8
Views: 947

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
Fri Mar 13, 2015 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance
Replies: 20
Views: 1179

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
Tue Mar 10, 2015 11:34 am
 
Forum: Investing - Theory, News & General
Topic: Advance event pricing
Replies: 4
Views: 374

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 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Time of Use Electrical Rates
Replies: 22
Views: 1453

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 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wait till June Fed meeting before adding to VBTLX?
Replies: 17
Views: 1145

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
Sat Mar 07, 2015 11:53 am
 
Forum: Personal Consumer Issues
Topic: Driveway Replacement Cost
Replies: 36
Views: 2684

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 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5585

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 3:16 pm
 
Forum: Personal Consumer Issues
Topic: cold air from electric socket
Replies: 17
Views: 1723

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
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: 455

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
Mon Feb 23, 2015 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3776

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
Fri Feb 20, 2015 9:52 am
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3979

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...
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: 211

Re: Power Vent Gas Hot Water Tank - Thoughts?

I've thought about doing the same thing. One concern I have is that if the electricity goes off, no hot water. Depending on the frequency and duration of outages, this might or might not be a problem for you. We have a 50 gallon electric hot water heater. After the electricity goes out, I have gott...
by user5027
Tue Feb 17, 2015 10:30 am
 
Forum: Personal Consumer Issues
Topic: Power Vent Gas Hot Water Tank - Thoughts?
Replies: 7
Views: 467

Re: Expecting a big inheritance - Should it change my life?

I am reminded of the joke about the guy bragging to his date that he will be coming into a sizable inheritance when his old sick father dies. The date quickly runs off and marries his father. :twisted:
by user5027
Sun Feb 15, 2015 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 8224

Re: Vanguard - remove old funds associated with account

Even if you no longer hold shares there may be a gain or loss from the prior holding. That would be nice to see for the applicable tax year in a taxable account. :idea:
by user5027
Sun Feb 15, 2015 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard - remove old funds associated with account
Replies: 10
Views: 1176

Re: Adding a joint bank account owner. Is it considered a g

I was told a downside to this is if the child predeceases the parent. The parent will owe PA Estate Tax on the child's portion of the account. Not saying you should not do it, only consider what you expect to happen, may not.
by user5027
Mon Feb 09, 2015 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adding a joint bank account owner. Is it considered a gift?
Replies: 11
Views: 955

Re: Glasses turn around time and cost

adamthesmythe wrote:Pro tip: always keep your old glasses and frames. Consider taking them with you when you travel.


+100

I keep my old pair in front of my sock drawer so I see them when packing the suitcase.
by user5027
Sun Feb 08, 2015 10:33 am
 
Forum: Personal Consumer Issues
Topic: Glasses turn around time and cost
Replies: 19
Views: 1589

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: 1627

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: 879

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: 92
Views: 4699

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: 76
Views: 6323

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: 4068

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: 2366

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: 6377

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: 5421

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: 4845

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: 5421

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: 3442

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: 2444

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: 830

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: 987

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: 3256

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: 1068

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: 60
Views: 4939

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: 403

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: 1418

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: 3674

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: 12190

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: 6977

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: 5176

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: 901
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