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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
Sat Apr 18, 2015 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning out large basement - cost to rent a dumpster?
Replies: 24
Views: 1533

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
Wed Apr 15, 2015 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Legal Group Invitation?
Replies: 8
Views: 876

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 6:43 pm
 
Forum: Personal Consumer Issues
Topic: Input wanted from BMW owners
Replies: 44
Views: 4342

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
Sun Apr 12, 2015 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flood insurance premium compared to homeowners?
Replies: 1
Views: 260

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 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Would you use your neighbor's son for yard service?
Replies: 33
Views: 2142

Re: FDIC coverage

A joint account is not a trust account.
by user5027
Fri Apr 10, 2015 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: FDIC coverage
Replies: 3
Views: 310

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
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: 2557

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

Almost forgot - Little Mermaid.
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: 1532

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
Sat Apr 04, 2015 7:36 pm
 
Forum: Personal Consumer Issues
Topic: The train from Oslo to Copenhagen? Copenhagen ideas?
Replies: 25
Views: 1532

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 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring Before Age 66
Replies: 21
Views: 3996

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
Fri Apr 03, 2015 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring Before Age 66
Replies: 21
Views: 3996

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
Tue Mar 31, 2015 8:01 am
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8404

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: 6837

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: 7
Views: 637

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: 1600

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: 1093

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: 293

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: 414

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: 150
Views: 8711

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: 440

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: 1279

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: 955

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: 1242

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: 382

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: 1467

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: 1164

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: 2783

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: 5942

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: 1784

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: 479

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: 3805

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: 4004

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: 213

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: 473

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: 8300

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: 1193

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: 961

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: 1603

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: 1633

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: 884

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: 93
Views: 5114

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: 6381

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: 4084

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: 2465

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: 6419

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: 5453

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: 4881

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: 5453

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: 3448

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: 2445
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