Search found 1229 matches

by Carl53
Wed Sep 21, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Having intermittent problem with Visa chip card
Replies: 20
Views: 1149

Having intermittent problem with Visa chip card

Yesterday I attempted to use my Priceline Visa chip card five times. The first two for online purchases went fine, as did an in person purchase at a theatre. Two subsequent attempts, at Walmart and Home Depot, I received a message indicating that the purchase would not process. At Walmart, I repeate...
by Carl53
Thu Sep 15, 2016 4:43 am
Forum: Personal Consumer Issues
Topic: Basic pool equipment - best brands/types
Replies: 41
Views: 2662

Re: Basic pool equipment - best brands/types

I would suggest getting a fiberglass telescoping pole for the vacuum. My local pool store uses them for themselves and ordered one for my use. (pentair E-Z locking) They normally only sell aluminum poles. I've gone through many of them over the years, but the fiberglass seems virtually indestructib...
by Carl53
Thu Sep 15, 2016 4:36 am
Forum: Investing - Help with Personal Investments
Topic: Experience with High Yielding Money Market Accounts
Replies: 25
Views: 1993

Re: Experience with High Yielding Money Market Accounts

I've used Redneck Bank for perhaps five years without any problem. Been paying 1.25% on up to $35k. I have all of my CC paid automatically out of it and have two other banks linked.
by Carl53
Tue Sep 13, 2016 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my mortgage?
Replies: 35
Views: 2855

Re: Should I pay off my mortgage?

I posted this in another similar mortgage payoff thread. If you do a mortgage payoff, you typically regain control over when you pay your property tax. If you itemize annually but only exceed the standard deduction by a small amount, then start to pay property tax in alternating years. Example - my...
by Carl53
Tue Sep 13, 2016 8:11 am
Forum: Personal Consumer Issues
Topic: Basic pool equipment - best brands/types
Replies: 41
Views: 2662

Re: Basic pool equipment - best brands/types

I would suggest getting a fiberglass telescoping pole for the vacuum. My local pool store uses them for themselves and ordered one for my use. (pentair E-Z locking) They normally only sell aluminum poles. I've gone through many of them over the years, but the fiberglass seems virtually indestructibl...
by Carl53
Fri Sep 09, 2016 4:38 am
Forum: Personal Finance (Not Investing)
Topic: Prospective Employer Wants Salary History & Desired Salary
Replies: 265
Views: 18120

Re: Prospective Employer Wants Salary History & Desired Salary

The employer will always try to pay bottom dollar, and it is a mistake. An employer loses more by under paying an employee than over paying him. Especially in sub-100k range. A company that constantly tries to squeeze 5k and 10k out of 50k and 60k employees is not going to retain top talent or fost...
by Carl53
Fri Sep 09, 2016 4:36 am
Forum: Personal Finance (Not Investing)
Topic: Prospective Employer Wants Salary History & Desired Salary
Replies: 265
Views: 18120

Re: Prospective Employer Wants Salary History & Desired Salary

The last employee I hired (nearly ten years ago) prior to my retirement, held a PhD in a technical field and had only done post-doc work while I was looking for a top notch engineer. HR insisted on low-balling the offer at about 3/4 of what it should have been. The individual took the position due t...
by Carl53
Wed Sep 07, 2016 5:05 am
Forum: Personal Consumer Issues
Topic: Repiar or Replace Gas water heater?
Replies: 24
Views: 1800

Re: Repiar or Replace Gas water heater?

I replace my hot water heater every ten years. It only takes one starting to leak and flood the area to cause that policy to go into effect in my universe. Gas or electric? Is there a difference in how long a water heater "lasts"? If it is more than 12+ years old, say, as per others, I wo...
by Carl53
Wed Sep 07, 2016 4:49 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10544

Re: How much is your cell phone bill?

AT&T 2 lines unlimited call and text 10+ rolling data (in reality often 15+) shared GB with wifi hotspot enabled on both lines 89/month with all fees and taxes How?? I have 2 lines unlimited call and text, 6GB data+rollover, and we pay $133+/month. What did I do wrong?! How do I get your price?...
by Carl53
Wed Sep 07, 2016 4:26 am
Forum: Personal Finance (Not Investing)
Topic: Refinance or Not on Mortgage
Replies: 7
Views: 699

Re: Refinance or Not on Mortgage

I believe some members have got a loan via PenFed.org. Their rates are about 0.25% below what you have quoted. All of there fixed loans require a 1% origination fee. I think the 15 year loan, that while tempting, might stretch you too much without knowing more details about yourself.
by Carl53
Fri Sep 02, 2016 5:30 am
Forum: Personal Consumer Issues
Topic: Backyard playsets - worth it?
Replies: 31
Views: 4522

Re: Backyard playsets - worth it?

I am planning to build my own, follow somethign like this http://www.viewalongtheway.com/2011/07/our-diy-playset-part-1-the-tower/ Built one similar to this back in 1990. I countersunk the nuts and used bolts that did not stick out into the play area. Shortly after 2000, a neighbor asked about it. ...
by Carl53
Thu Sep 01, 2016 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Retire Early? Roth Conversion?
Replies: 21
Views: 3629

Re: Can I Retire Early? Roth Conversion?

I've never used I-Orp, but I put some of your rough numbers into my spreadsheet and see that it is likely that your taxable SS once you are 70 will not be 85% of your combined SS incomes. Using $5300/month SS and $4800/month pension and assuming zero inflation, 85% of the SS is taxable income if the...
by Carl53
Thu Sep 01, 2016 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Undo Conversion
Replies: 4
Views: 339

Re: Undo Conversion

In 3 separate accounts, you end up with $20500 less in the TIRA than when you started assuming you only recharacterized just OOPS($9500). You also have $22300 in Roth accounts and are paying income taxes on the $20000 that was left converted. If you are in a25% bracket, the taxes are $5000. If they ...
by Carl53
Thu Sep 01, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Undo Conversion
Replies: 4
Views: 339

Re: Undo Conversion

For the three separate accounts, the OOPS would still have cost you $500 in your TIRA after the recharacterization. It's just that you did not have to pay taxes on that $500, nor the $9500 recharacterized.
by Carl53
Mon Aug 15, 2016 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Realigning Savings After Spouse Stops Working
Replies: 2
Views: 581

Re: Realigning Savings After Spouse Stops Working

Q1 I wouldn't worry about it.

Q2 Suggest keeping enough in the 401k to get the full match, funding the HSA to reflect expected expenses and the balance to the Roth since you are in the 15% bracket.
by Carl53
Mon Aug 15, 2016 4:31 am
Forum: Personal Finance (Not Investing)
Topic: how get money at retirement
Replies: 11
Views: 2682

Re: how get money at retirement

You will only be taking 5-6% out of your entire portfolio. Just take some from the portion of the portfolio that might be somewhat heavy relative to your AA. If your estimate of expenses (including taxes?) of $60-70k is accurate, you should have a little room in the 15% bracket (currently $75.3k tax...
by Carl53
Mon Aug 01, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 6855

Re: Should I flip my neighbor's house to save the neighborhood?

Have you not been through it? You seem to be quoting third parties. My brother-in-law bought a dump of a home in their former neighborhood for $30k to preserve his equity. Turned out that he had to gut everything down to the shell replacing most of all the structural lumber due to cat urine that he ...
by Carl53
Mon Jul 25, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Converting from Oil heat to Gas or Electric
Replies: 46
Views: 2311

Re: Converting from Oil heat to Gas or Electric

Consider what gas appliances you might add and have the inside piping sized for potential total requirements. You would be ahead to install piping extensions to areas that you may convert to gas at a later time.
by Carl53
Sat Jul 23, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Credit Card Reward Limits
Replies: 3
Views: 436

Re: Sallie Mae Credit Card Reward Limits

Statement period
by Carl53
Tue Jul 19, 2016 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself .. mind numbing pension post
Replies: 17
Views: 2953

Re: Daring to figure it out for myself .. mind numbing pension post

The PBGC guarantee easily covers 'x' should Megacorp fail, although it is unclear it is fully covered for those retiring before age 65. The potential PBGC payout increases most years for those already not receiving it. For instance, a 59 year old just starting PBGC payouts would receive $3056.93 mo...
by Carl53
Sun Jul 17, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Step Up Social Security Question
Replies: 46
Views: 2858

Re: Spousal Step Up Social Security Question

The 200k mortgage is from my sophomore year of high school ( I am 30 right now ) - my dad had lost his job for two years and they had to borrow from the house so they could pay their bills. There's an emotional attachment to this house that my parents have that makes it difficult to get them to cha...
by Carl53
Sun Jul 03, 2016 6:27 am
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 109
Views: 11471

Re: $400,000 Roth Conversions Between Ages 66-69?

You might consider bunching your property taxes if your locality permits it. On one property I am able to pay the following year taxes just before the end of the year, and on an out of state property I can prepay the early payment for the following year. You do this one year and use the standard ded...
by Carl53
Sat Jul 02, 2016 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 109
Views: 11471

Re: $400,000 Roth Conversions Between Ages 66-69?

If I had your portfolio, I would convert more like $250K per year. Look at things like: a) the top of the 28% bracket b) commencement of AMT (if applicable) c) the $250K AGI threshold for the IIT "FIlling" of tax brackets is a somewhat simplistic approach. It's better to model your overal...
by Carl53
Fri Jul 01, 2016 3:39 am
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 87
Views: 6745

Re: Do we have enough to retire?

A few thoughts on the original theme: 2) Understand where you are relative to Social Security, Medicare, etc. 30 years from now those may well look significantly different, but I think it pays to at least figure the baselines. It would be a shame to stop working a year before you would have enough ...
by Carl53
Sun Jun 26, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: American Express Preferred fee [Blue Cash Preferred fee raised]
Replies: 19
Views: 1714

Re: American Express Preferred feeble

The random "amex offers" are super valuable too it seems. Have you taken advantage of those offer as well. For example, I have a 10% off my cell phone bill (up to $30) right now through June 30th. I just prepaid $300 to my cell phone. Not bad. Just looked at my Amex offers and do not see ...
by Carl53
Sat Jun 11, 2016 6:10 pm
Forum: Personal Consumer Issues
Topic: why do the feds care if I prepay my credit card bill?
Replies: 24
Views: 3201

Re: why do the feds care if I prepay my credit card bill?

On several overseas trips I've paid ahead several thousand dollars on my PenFed credit card and even made additional payments when my actual expenses exceeded expectations. In some countries cash has been often preferred to credit and going to the ATM a few times without any cash advance fees is nice.
by Carl53
Mon Jun 06, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: After 30 yrs at Megacorp my IT job was surplussed...
Replies: 52
Views: 6666

Re: After 30 yrs at Megacorp my IT job was surplussed...

I get retiree medical and can either do a low deductible plan at $46 a month and $30 co-pays OR a high deductibable plan with $1300 deductible and no co-pays. Still figuring out which is best. Will have about $4K in my HSA by the time I 'retire'. Even though it feels weird it's been one heck of a r...
by Carl53
Mon Jun 06, 2016 12:31 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 777
Views: 75953

Re: What's Your Credit Card Rewards Strategy?

6) PenFed Platinum Rewards Visa Used for Over Seas Travel because it's a true chip and pin card with no foreign transaction charges No Fee No foreign transaction fees is accurate but it is a chip and signature card as I have been disappointed to have learned from trips to Australia, Honduras and Ch...
by Carl53
Fri Jun 03, 2016 7:42 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1080
Views: 178750

Re: What are you up YTD? [Year To Date]

I got 18.076 on my spreadsheet (not excel). I would not count on that being a regular occurrence, but good for you!
by Carl53
Fri Jun 03, 2016 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401K and the 15% bracket
Replies: 10
Views: 1084

Re: Roth 401K and the 15% bracket

What do you see your taxable bracket be upon retiring and receiving pension, RMDs, SS etc? If the bracket is 15% then there will be little difference between taxable and pretax savings. If there is a chance that you will have some income at that time in a higher bracket, then I would encourage you t...
by Carl53
Sat May 21, 2016 6:40 am
Forum: Investing - Help with Personal Investments
Topic: Defined benefit plan. Should I "buy" extra years of service?
Replies: 22
Views: 2483

Re: Defined benefit plan. Should I "buy" extra years of service?

The following I posted in Gustav's thread. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=191362&newpost=2912766 It would seem to me that an after tax contribution such as you are contemplating would qualify. https://www.irs.gov/taxtopics/tc410.html Topic 410 - Pensions and Annuities I...
by Carl53
Sat May 21, 2016 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Decision time - supplement pension, or not?
Replies: 12
Views: 1011

Re: Decision time - supplement pension, or not?

Will the $50k payment come from a TIRA transfer? Or will it be post tax dollars? If post tax dollars will a portion of the pension be not taxed? If so, is all of the post tax paid out in the first year or two or over the life of the pension? These considerations make it a little different than the ...
by Carl53
Sun May 15, 2016 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Decision time - supplement pension, or not?
Replies: 12
Views: 1011

Re: Decision time - supplement pension, or not?

Will the $50k payment come from a TIRA transfer? Or will it be post tax dollars? If post tax dollars will a portion of the pension be not taxed? If so, is all of the post tax paid out in the first year or two or over the life of the pension? These considerations make it a little different than the o...
by Carl53
Wed May 11, 2016 5:40 am
Forum: Personal Consumer Issues
Topic: Is a home disaster looming? sump pump running constantly please help!
Replies: 46
Views: 4586

Re: Is a home disaster looming? sump pump running constantly please help!

I find it more than a little troubling that the contractor is not willing to come out. Did your contract not spell out at least a number of times that he would come out to rectify problems? The 2-3 you mention, is it every two to three minutes it turns on and then runs for 2 to 3 and then repeats? T...
by Carl53
Mon May 09, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Anybody have success reducing memory overhead on windows computers?
Replies: 22
Views: 2169

Re: Anybody have success reducing memory overhead on windows computers?

OP here. After numerous attempts to load windows updates I was finally able to load them, albeit in spurts. First 53 were attempted including about 6 optional, and all but two loaded. I tried the other two a second time and they loaded. I then sorted through the updates and uninstalled kb295664 and ...
by Carl53
Mon May 09, 2016 7:27 am
Forum: Personal Consumer Issues
Topic: Anybody have success reducing memory overhead on windows computers?
Replies: 22
Views: 2169

Re: Anybody have success reducing memory overhead on windows computers?

Regarding Windows Update, you can try these to see if this helps: Windows Patch: https://support.microsoft.com/en-us/kb/3102810 Windows Update Agent: https://support.microsoft.com/en-us/kb/949104 We've had some issues at work with Windows Updates taking forever to search, it also increases memory u...
by Carl53
Mon May 09, 2016 5:42 am
Forum: Personal Consumer Issues
Topic: Anybody have success reducing memory overhead on windows computers?
Replies: 22
Views: 2169

Re: Anybody have success reducing memory overhead on windows computers?

Is this Win7x32 or x64? Home or Pro? How much memory do you have in the machine? Windows Home Premium - Service Pack 1 (there is a highlighted message below this saying "Get more features with a new edition of Windows 7" - I interpret this as more overhead. Pentium Dual Core CPU 2.70 Hz 2...
by Carl53
Fri May 06, 2016 4:20 am
Forum: Investing - Help with Personal Investments
Topic: Do you get more SS if you wait, but do not work?
Replies: 20
Views: 3476

Re: Do you get more SS if you wait, but do not work?

Do you got more from Social Security if you take it later, but you do not work? Friend is turning 62 and wishes to wait until age 70 to take SS because he thinks he will get higher benefit at that time. Is this true, given that he doesn’t work - and hasn’t for many years? I would think he should fi...
by Carl53
Fri May 06, 2016 4:13 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs in retirement
Replies: 26
Views: 3031

Re: Healthcare costs in retirement

We are a few years from taking Medicare but I tried looking up projections for my "high maintenance" spouse, including specialty drugs for RA. For her alone as I interpret it will be about $3500 for medicare b plus $4229 for the drugs on one new Part D plan. I only put in a few of the drug...
by Carl53
Fri May 06, 2016 3:45 am
Forum: Personal Consumer Issues
Topic: Anybody have success reducing memory overhead on windows computers?
Replies: 22
Views: 2169

Re: Anybody have success reducing memory overhead on windows computers?

Is this Win7x32 or x64? Home or Pro? How much memory do you have in the machine? Windows Home Premium - Service Pack 1 (there is a highlighted message below this saying "Get more features with a new edition of Windows 7" - I interpret this as more overhead. Pentium Dual Core CPU 2.70 Hz 2...
by Carl53
Thu May 05, 2016 6:42 am
Forum: Personal Consumer Issues
Topic: Anybody have success reducing memory overhead on windows computers?
Replies: 22
Views: 2169

Anybody have success reducing memory overhead on windows computers?

Looking for advice. Over time my few year old windows 7 based desktop (one of the last w7) has had some sort of a memory leak related to internet browsing. It often got worse when new windows upgrades were installed. Sometimes I have to turn the system off at the power button and reboot which then g...
by Carl53
Sun May 01, 2016 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: No Income - Convert some Traditional IRA money to Roth IRA?
Replies: 16
Views: 1474

Re: No Income - Convert some Traditional IRA money to Roth IRA?

This is turning into being more complex reading about it with IRS and trying to figure it out. I need to clarify some things. I am living overseas and my wife is considered a non resident alien so she does not have to file a U.S. return. Sounds like from what I have read you have until the end of t...
by Carl53
Fri Apr 29, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Tips Wanted: Sydney to Melbourne, Great Ocean Road
Replies: 3
Views: 275

Re: Tips Wanted: Sydney to Melbourne, Great Ocean Road

City driving is a little daunting. This past year we borrowed a car from my daughters friend, Lexus with a stick. Like Wagner we were in Sydney for New Year's Eve and flew to Melbourne. Be sure to spend a day on Phillip island for the fairy penguin walk and the PI Wildlife park. We took a tour bus o...
by Carl53
Fri Apr 29, 2016 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Conversion
Replies: 14
Views: 1252

Re: IRA Conversion

Put the 10k into the Roth and convert as much as you want but not enough to eliminate the savers credit.
by Carl53
Fri Apr 29, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: Buying a New Car...Is it Unwise?
Replies: 68
Views: 6604

Re: Buying a New Car...Is it Unwise?

In the last year I put over $ 2000 into our 2008 Acura TL that now is at a little over 120k miles. Timing belt etc. and tires. Just passed on my 96 accord with 375k miles to my son. I figure it was way cheaper than going new at this time. BTW, my new vehicle is a 97 4x4 F150 Lariat with 112k miles. ...
by Carl53
Thu Apr 28, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Young Male Living with Parents
Replies: 83
Views: 5198

Re: Young Male Living with Parents

If you are all content with your arrangement, good for you.
by Carl53
Thu Apr 28, 2016 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: When to start Social Security. A different take
Replies: 107
Views: 10467

Re: When to start Social Security. A different take

COLA increases for your earnings go with your entitlement up to age 62, I understand they are slightly different if you accumulate earnings that contribute to SS after that age. L. Hi Leeraar: This is new and good information to me. So, assuming no earnings after age 62, this implies that if I am 6...
by Carl53
Thu Apr 28, 2016 3:50 pm
Forum: Investing - Theory, News & General
Topic: When to begin taking Social Security payments?
Replies: 31
Views: 2174

Re: When to begin taking Social Security payments?

Thanks all. Just checked my most recent SSA statement 4/21/16). My forecast at 70 is $3,480. Spousal benefit at FRA is $2,636. Family limit is $4,614. It certainly makes the wait worthwhile. And her benefit improves if I predecease her. Thanks to all for your input thus far. I think your FRA is $26...
by Carl53
Thu Apr 28, 2016 3:46 pm
Forum: Investing - Theory, News & General
Topic: When to begin taking Social Security payments?
Replies: 31
Views: 2174

Re: When to begin taking Social Security payments?

Your wife might consider taking her benefit when you turn FRA(66). Hers would be reduced perhaps 25% or less, but you would be eligible to obtain 50% of her PIA as a spousal with a restricted application. When you reach 70 you would switch to your benefits at 132% of your PIA and she switches to spo...

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