Search found 253 matches

by Info_Hound
Tue Dec 12, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 109
Views: 3744

Re: Snow Tires? Worth it?

Yes, they are totally worth it. I recommend Bridgestone Blizzaks. Best snow tire hands down. Makes driving in snow and ice a breeze. You'll feel like driving on a summer day while all the folks around you are white knuckling it. 4 wheel drive doesn't mean diddly when it comes to safety and staying ...
by Info_Hound
Fri Dec 08, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: "Financial Shock" wealth
Replies: 33
Views: 6090

Re: "Financial Shock" wealth

These articles make me feel so wealthy. That is because it is very likely that you are wealthy :D Exactly, but sometimes you might not feel like it hanging out in places like this where people are asking if $10M is "enough." +1 My kick in the rear came when my CPA kept telling me 'you can afford it...
by Info_Hound
Thu Dec 07, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 176
Views: 9898

Re: Do people still use AAA?

Yup, I bought into AAA after my husband passed and I am not a person who can repair or service a car. I carry the Plus version since you can travel long distances out here between towns and if a tow is every needed it will be a long one. DD went away to college out of state and I carried her on my A...
by Info_Hound
Tue Dec 05, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Dollar Store Hacks
Replies: 27
Views: 4419

Re: Dollar Store Hacks

Swim noodles

I buy them so I can wrap my quilts around them instead of folding the quilts which result in thread stress and ultimately holes at the fold points.
by Info_Hound
Tue Nov 28, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 40
Views: 5899

Re: closet organizing system

Another vote for EasyClosets. We did a lot of research and, although not cheap, it was reasonable and much less expensive than having someone come out and do a custom job. They had a great stock system that was easy to customize and install. I'm a fairly good woodworker and I could have easily cust...
by Info_Hound
Sun Nov 26, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9220

Re: Regrets for taking SS at 62 or waiting?

I am delaying. "No regrets" is an understatement. I consider it one of the most prudent financial decisions I have made. Note that the period from early retirement to the commencement of the Social Security is an excellent opportunity for making Roth conversions. If I die before the age of 70, you ...
by Info_Hound
Wed Nov 22, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Retire couple Roth Conversion Help
Replies: 47
Views: 3991

Re: Retire couple Roth Conversion Help

No one has mentioned the dreaded AMT, something to keep an eye on while doing a ROTH conversion as it will definitely change what you expect to pay in federal taxes. Cited from the IRS website. https://www.irs.gov/businesses/small-businesses-self-employed/alternative-minimum-tax-assistant-for-indivi...
by Info_Hound
Tue Nov 21, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Concerned parent :(
Replies: 56
Views: 7329

Re: Concerned parent :(

We treated our daughter's college fund/savings as though it were a monthly bill, putting aside a minimum set amount each month. As someone has already noted, 529s did not exist or they were just starting up, so that was not an option for us. We built a CD ladder for her and when a CD matured, rolled...
by Info_Hound
Sun Nov 12, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA EFC number shock! [Expected Family Contribution]
Replies: 39
Views: 4228

Re: FAFSA EFC number shock!

OP - welcome to the club. :( As others have stated, do not expect much help from FAFSA. Daughter looked at a couple of colleges on your list and the financial help was close to nil. I agree that a loan is not an award, even if FAFSA wants to call it an award. She ended up going to a well regarded St...
by Info_Hound
Sun Nov 12, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10897

Re: Federal Retiree Health Care with/Medicare

Blues

Excellent! I have downloaded the OPM document and it does seem like I might be able to suspend and retain eligibility once my daughter is off of the insurance plan.

Thank you for pointing to something new that I can use. :D
by Info_Hound
Sun Nov 12, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10897

Re: Federal Retiree Health Care with/Medicare

You can “ suspend “ —**not cancel** — your FEHB benefits and return to using them later. Canceling results in your no longer being eligible; suspending means you CAN restart at some later open season I do not believe this is true for those who fall under survivor benefits. Can you point me to a pla...
by Info_Hound
Thu Nov 09, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Survivour benfits question here
Replies: 3
Views: 290

Re: Survivour benfits question here

At the age of 18, the benefits end unless you will/are enrolled full time as a student. The benefits will continue as long as you are a full time student until the age of 21. You must fill out the student survey they will send once a year and promptly return it. One of the pieces of information they...
by Info_Hound
Sun Oct 22, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 159
Views: 10897

Re: Federal Retiree Health Care with/Medicare

Although I could retire now, I have been convinced by several that I should stick it out for the time when I am eligible to take my federal retiree health care with me. So, I'll pay the premium when I retire and one day, I will reach the age for Medicare eligibility. How do federal employees with t...
by Info_Hound
Fri Oct 06, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1391

Re: Dish network

I've had DISH for years, both on the East Coast and now in my home in the Rocky Mountains. Yes, when the rain/snow rate is very heavy you will lose signal until the worst of it has passed, but it's only when it's very heavy, not for normal intensity storms. I keep several shows stored/recorded on th...
by Info_Hound
Sun Jun 25, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 210
Views: 35769

Re: Improving the TSP [for current participants]

Good News: Legislation Introduced to Allow Multiple Withdrawals From TSP, article here: https://www.fedsmith.com/2017/06/23/legislation-introduced-allow-multiple-withdrawals-tsp/ and here: http://www.govexec.com/pay-benefits/2017/06/house-oversight-members-join-effort-loosen-tsp-withdrawal-restrict...
by Info_Hound
Tue Jun 20, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 37
Views: 7117

Re: Lg refrigerator vs Samsung refrigerator.

I had an LG 5 year old large frig die on me just a couple of weeks ago. The compressor died. Here is what I found: 1) LG warranty is poor. Only LG repairmen are allowed to do warranty work. There are very few LG factory authorized repairmen. The wait time for a visit is long, like in weeks long. The...
by Info_Hound
Fri Apr 07, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 210
Views: 35769

Re: Improving the TSP [for current participants]

TSP Newsletter just posted this: Senators Introduce Legislation on TSP Withdrawal Options — (April 7, 2017) At the TSP’s request, Senators Rob Portman and Tom Carper introduced a bill, S. 873, which would eliminate current statutory restrictions on participants’ withdrawal options. The bill would el...
by Info_Hound
Fri Apr 07, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 210
Views: 35769

Re: Improving the TSP [for current participants]

What to my wondering eyes did appear, an article in today's Washington Post and movement to change the TSP withdrawal options! :) https://www.washingtonpost.com/news/powerpost/wp/2017/04/06/new-withdrawal-options-for-tsp-investors-to-be-proposed/?hpid=hp_hp-cards_hp-card-fedgov%3Ahomepage%2Fcard&utm...
by Info_Hound
Fri Mar 17, 2017 3:07 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 210
Views: 35769

Re: Improving the TSP [for current participants]

TimeRunner Use the TSP-90 form if you are a Beneficiary Participant Account. In Section II line 10 you can specify a $ amount versus a %. From what I have gleamed from the traditional account info (vs. BPA account) you can request a % of the total as a partial withdrawal. Calculate what % of your cu...
by Info_Hound
Wed Jan 11, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Widow Benefits
Replies: 11
Views: 1403

Re: Social Security Widow Benefits

The financial adviser is incorrect regarding no increases for survivor benefits. As long as there is a COLA increase, usually announced around September for the next year, her SS survivor benefits also increase the next year. I'm currently collecting SS survivor benefits and have for a few years now...
by Info_Hound
Mon Jan 02, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 686
Views: 31624

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

My predictions seem to float in the middle of the pack each year. Getting better, but always too low.

2371.1 is my prediction for 2017.
by Info_Hound
Thu Dec 08, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Double Oven Ranges
Replies: 13
Views: 1500

Re: Double Oven Ranges

I can speak to the usefulness of a double oven as I have one but it is electric and a GE Profile. Smooth top, 2 ovens, one is convection both doors open independently. Love my double oven! The smaller one gets much more use than the larger convection oven on the bottom. Yes, I cook large items like ...
by Info_Hound
Thu Dec 08, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Should I go for the 2K+ flying squirrel solution?
Replies: 36
Views: 3746

Re: Should I go for the 2K+ flying squirrel solution?

Flying squirrels leave their nest at dusk and return at dawn, so if you are hearing scraping at night, it's not flying squirrels. Regular squirrels work in the opposite direction - in a night and out during the day. I had some flying squirrels in my attic and when one fell down into the space betwee...
by Info_Hound
Wed Nov 16, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Public Credit Union Black Friday 3%, 24 Month CD Offer
Replies: 5
Views: 1499

Re: Public Credit Union Black Friday 3%, 24 Month CD Offer

Thanks for the info!

I'd rather wait at PSCU to buy a CD that will pay me 3% than go to Best Buy and pay them money with 0% return.
by Info_Hound
Sat Oct 22, 2016 10:33 am
Forum: Investing - Theory, News & General
Topic: Complete this sentence
Replies: 17
Views: 1736

Re: Complete this sentence

You know you are a successful investor when your CPA keeps telling you "You can afford that!" :beer
by Info_Hound
Sat Oct 22, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Replacement Windshield Wiper Blades
Replies: 38
Views: 3809

Re: Replacement Windshield Wiper Blades

I found the blades at Costco, Goodyear I think, to be terrible. After some research I bought Rain-X Latitude blades. They are the best in my opinion. No streaking and do not lift off windshield at high speeds. Not found in stores in right size so just got them from Amazon. +1 I replace blades once ...
by Info_Hound
Sat Oct 22, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Pet meds
Replies: 22
Views: 1814

Re: Pet meds

Pet meds can be expensive, having gone down this path for my fur babies as well. I discovered that as a Banfield Hospital client (inside Petsmart) they will reduce the price of meds if you can find it online cheaper. You don't have to buy it online, just show them the website with the product at the...
by Info_Hound
Sun Oct 09, 2016 9:42 am
Forum: Personal Consumer Issues
Topic: Looking for good mountain scenery near Denver
Replies: 16
Views: 1681

Re: Looking for good mountain scenery near Denver

Highway 34 between Loveland and Estes Park will be closed to all traffic from mid-October til next Spring sometime. Highway 36 via Lyons will be the only way into Estes from the Denver side. The 2013 floods totally destroyed the roads in the canyons (34 & 36). CDOT has spent the past several yea...
by Info_Hound
Sat Oct 08, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: Looking for good mountain scenery near Denver
Replies: 16
Views: 1681

Re: Looking for good mountain scenery near Denver

Most of the places mentioned will likely be closed by then. Trail Ridge road is one of the best vistas in the state, but that will certainly be closed by then. They're already plowing snow there. Best chance would be Loveland Pass, which is right next to I70 has great views at the top as you drop d...
by Info_Hound
Mon Sep 26, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: TSP - Surviving spouse should probably move out of the TSP
Replies: 16
Views: 2106

Re: TSP - Surviving spouse should probably move out of the TSP

Lady Geek I checked out the Wiki page and the info all looks correct along with the links. I do have a question - Where did the TSP RMD that applies to beneficiaries end up? It is a rather odd duck in the RMD guidelines and if a surviving spouse was considerably younger than the deceased they will f...
by Info_Hound
Sun Sep 25, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: TSP - Surviving spouse should probably move out of the TSP
Replies: 16
Views: 2106

Re: TSP - Surviving spouse should probably move out of the TSP

I have already lived this, I am a surviving spouse of a young Fed who died suddenly leaving a large TSP account. It's been almost 7 years now and my daughter and I miss him every day. Like you I want to leave something behind for my daughter when I pass but don't want to cash in the TSP account as I...
by Info_Hound
Mon Aug 15, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: FICO Scores: Which one do you get?
Replies: 39
Views: 10770

Re: FICO Scores: Which one do you get?

NASA Federal Credit Union provides my FICO score on line anytime I want it. Free.

If I saw variations that indicated a problem then I'd pull my credit reports.
by Info_Hound
Fri Aug 05, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: major remodel: regrets or things you'd do again
Replies: 68
Views: 8547

Re: major remodel: regrets or things you'd do again

If you think you will age in place in this home, putting in support features now while everything is tore up will save you in the future. This does not mean the ugly bulky handicap bars, there are other models that are beautiful and do not look like assist devices. Consider how wide the doorways wil...
by Info_Hound
Fri Aug 05, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 153
Views: 37198

Re: Experience with Honda airbag recall?

Got the general recall notice this past winter. It stated I would be contacted by the local dealer when they had the parts available to schedule the work sometime this summer. I have a 2010 Honda CRV (AWD version). Fast forward to late June. I dropped by the dealership and asked where they were on t...
by Info_Hound
Sat Jul 30, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Recently widowed.. Starting over planning for retirement with a couple of unique challenges
Replies: 20
Views: 2666

Re: New here.. Starting over planning for retirement with a couple of unique challenges

I'm so sorry for your loss. I lost my spouse suddenly and unexpectedly two years ago and have two small children. I'm still trying to get my bearings. This forum has been invaluable. Before I launch into advice, may I suggest you consider editing the title of your post so that more widowed people -...
by Info_Hound
Sat Jun 11, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: Credit card for college-aged daughter
Replies: 36
Views: 3021

Re: Credit card for college-aged daughter

I checked with my local credit union to see if they had a plan in which my college age daughter could get a credit card in her name only with no job. They had a secure credit card offer that worked for her. There was also no annual fee. She had to open a 2 year CD, the $ amount of the CD is the cred...
by Info_Hound
Sat Jun 11, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Had entire lawn sodded, now some animal is creating holes...Philly Burbs Area
Replies: 27
Views: 1759

Re: Had entire lawn sodded, now some animal is creating holes...Philly Burbs Area

Rabbits with babies dig shallow holes to hide in overnight. Since the ground is soft they can (and do) a lot of damage when they make these nests. My veggie garden was the peferred place for this activity until I finally fenced it to keep the rabbits out.
by Info_Hound
Sat Jun 04, 2016 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: FASFA Questions [Free Application for Federal Student Aid]
Replies: 9
Views: 859

Re: FASFA Questions [Free Application for Federal Student Aid]

My daughter was awarded a merit based scholarship for her undergrad years at a state university. The university had as one of its conditions of eligibility was that a FAFSA had to be filed each year. It didn't matter that we never qualified for federal aid, if she wanted the merit scholarship a FAFS...
by Info_Hound
Wed May 25, 2016 10:10 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 210
Views: 35769

Re: Improving the TSP [for current participants]

Saw this article today: TSP Board Still Seeking Lawmaker to Sponsor Its Proposal to Ease Withdrawals Quote: "Despite receiving approval from the Senate-confirmed overseers last year, Thrift Savings Plan officials are still seeking a champion in Congress to sponsor legislation that would make i...
by Info_Hound
Tue May 17, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Elliptical trainer
Replies: 43
Views: 2990

Re: Elliptical trainer

Sports Authority recently had a 50% off sale on the Schwinn 470 model which brought it to $750. That was the same price I found for it on Amazon delivered to my door. The ProForm models have a lower customer satisfication rating and seem to have issues with noise and breaking down after about 4 mont...
by Info_Hound
Fri May 13, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: FERS FEHB and Medicare Part B
Replies: 25
Views: 2100

Re: FERS FEHB and Medicare Part B

I am a FEHB participant (BCBS) and will have to make a choice of whether to sign up for Part B by October of this year or delay. I lived in the Washington DC area for many, many years and the best source of info on topics close to a Feds heart is found on Federal News Radio. This includes what the T...
by Info_Hound
Mon May 02, 2016 9:34 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 210
Views: 35769

Re: Improving the TSP [for current participants]

MichDad, Nothing on these issues in the November 2015 through February 2016 FRTIB minutes. It would sure help us plan if we knew more flexible TSP withdrawal options were going to be available. mrc, I'm afraid the news is worse. In April, I corresponded with FRTIB staff about the Board's plan to ad...
by Info_Hound
Mon Apr 18, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Security features of a good front door
Replies: 34
Views: 3364

Re: Security features of a good front door

The Ring doorbell looks neat, but I just can't bring myself to fork over the 200 bucks. m You can also get deadbolts that work from your cell phone, another cool idea that I can't bring myself to pay the bucks for. Plus, could they be hacked? Costco sells Ring doorbells for $179.99. I bought one an...
by Info_Hound
Sat Apr 16, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Security features of a good front door
Replies: 34
Views: 3364

Re: Security features of a good front door

The Ring doorbell looks neat, but I just can't bring myself to fork over the 200 bucks. m You can also get deadbolts that work from your cell phone, another cool idea that I can't bring myself to pay the bucks for. Plus, could they be hacked? Costco sells Ring doorbells for $179.99. I bought one an...
by Info_Hound
Fri Apr 01, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: Solar City Sales-pitch
Replies: 50
Views: 9519

Re: Solar City Sales-pitch

Looked into Solar City as I am interested in solar for my house. Found them at the HD store with a little table set up. I pretty much got the same pitch as the OP. My home sits in a perfect location to go solar and several of my neighbors have mounted panels, but I backed away from this deal. My ele...
by Info_Hound
Wed Mar 30, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Slow tax refund,making of an audit?
Replies: 6
Views: 902

Re: Slow tax refund,making of an audit?

The state of Colorado has been very slow with their returns since they started receiving them. They state this is due to 'tax fraud activity' they have detected. They did they same thing last year too. My daughter and I filed simple electronic returns in mid-Feb. The Feds took 3 days to issue refund...
by Info_Hound
Tue Mar 08, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Federal Tax Refund
Replies: 24
Views: 18940

Re: Delayed Federal Tax Refund

Had my taxes done by my CPA and filed for a refund from both the feds and state. Received my fed refund 3 days after it was electronically filed. I am still waiting for the state (Colorado) to 'accept' my electronic return almost 30 days after it was filed. We can see it's status on line at the stat...
by Info_Hound
Thu Mar 03, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: House size advice for when the kids start leaving home?
Replies: 38
Views: 3569

Re: House size advice for when the kids start leaving home?

In your situation, the max number of bedrooms I would get in a house is 4. One for each of your two living at home daughters and one for MIL's visit and the other daughter during summers. Four bedroom homes seem to be the normal these days. Really, I think you could easily get by with three. I woul...
by Info_Hound
Fri Feb 26, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 77
Views: 9508

Re: Gardening 2016

I am waiting until after Mother's Day to do anything in the garden. Garden location - Fort Collins, CO. For the past 3 years in a row I have had measurable snow in mid-May covering my lawn and garden beds. I mix in compost and peat using my daughter's labor as her gift to me as a Mother's Day gift. ...
by Info_Hound
Mon Feb 08, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: GEICO Windshield Repair and Waive of Deductible
Replies: 14
Views: 4610

Re: GEICO Windshield Repair and Waive of Deductible

Yes, GEICO does cover windshield chip repair at no cost to you. Call them, it will not impact your policy rates at all. I have two cars and each have had chips covered multiple times (sometimes in the same year!) at no cost to me. It's the cost of replacing the windshields that hits your policy dedu...