Search found 4660 matches

by Leesbro63
Sun Jun 25, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: SPF Driving Gloves
Replies: 6
Views: 442

Re: SPF Driving Gloves

hicabob wrote:This fellow got internet famous for his sun exposure while driving
http://www.cbsnews.com/news/trucker-acc ... -the-road/


I rest my case
by Leesbro63
Sun Jun 25, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: SPF Driving Gloves
Replies: 6
Views: 442

SPF Driving Gloves

Perhaps I'm being a but paranoid, but I've had some sun damaged skin issues now that I am approaching age 60. Today while driving, I noticed that my left hand is usually in the sun. Yes, I used sunscreen. But is there a specific glove to screen out the sun's rays for driving? I would like the entire...
by Leesbro63
Fri Jun 23, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 19
Views: 1294

Surge Protector for Refrigerator

A recent power surge zapped my frig circuit board. The repairman said to get a surge protector. Is there some special heavy duty thing required for a frig (versus, say, for a computer)?
by Leesbro63
Wed Jun 21, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1273

Re: LG washer and dryer "NFC tag on" feature

I would start with the store where they were purchased. You got me curious though. Why would I want to connect my phone to a washer and dryer? +1. Why in the world would you need your smartphone to talk to your washing machine? Sounds like technology for technology's sake to me. I'd call the store ...
by Leesbro63
Sun Jun 18, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawal method proposal -- Part 3: A Change in Perspective
Replies: 5
Views: 640

Re: Withdrawal method proposal -- Part 3: A Change in Perspective

Second, I am sure some people probably spend too much while not retired and probably continue to do that in retirement until they are forced to cut back. That is, they don't really plan anything. Third, I am sure some people probably spend too little while not retired and probably continue to do th...
by Leesbro63
Thu Jun 15, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: College grad building credit history
Replies: 11
Views: 462

Re: College grad building credit history

Why not finance a very small portion of the car? Say on a $20,000 car, finance $4-5000 for 2 or 3 years. I agree with the general sentiment here that you don't want to get your kid into the car payment mentality just to build credit. But buying a car is a credit-building opportunity. Doing what I su...
by Leesbro63
Wed Jun 14, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 79
Views: 4817

Re: Do You Take Your Credit Card Receipts?

I generally and lax about receipts and have never had a problem. The only exception is for something big that I might return. Even then I can go online and get the credit card transaction number.
by Leesbro63
Wed Jun 14, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Buying a House in Indy (Carmel Indiana)
Replies: 10
Views: 1054

Re: Buying a House in Indy (Carmel Indiana)

Thank you all. Your answers, so far, have been great for my kids. By the way, she works in Carmel and he works from home. So that's the answer to your commuting question. And a good public school, while not an issue today, is an intermediate term consideration.
by Leesbro63
Wed Jun 14, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 115
Views: 13563

Re: Dealership rejecting rebate after contract signed

It's possible that this was a "good guy/bad guy" scam with the management and salesperson. And that the dealership actually instructed the salesperson to bully you into trying to redo the deal. Once that didn't happen, they probably gave the salesperson an "attaboy" for at least ...
by Leesbro63
Wed Jun 14, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Getting a Florida Sunpass
Replies: 14
Views: 1258

Re: Getting a Florida Sunpass

If you put your rental car plate number into the app, why does he need the windshield thingie? The system obviously reads your plate.
by Leesbro63
Wed Jun 14, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Buying a House in Indy (Carmel Indiana)
Replies: 10
Views: 1054

Buying a House in Indy (Carmel Indiana)

My late 20s daughter and SIL are looking to buy a house in Carmel, Indiana, a northern Indy suburb. Both are professionals and they earn in the top few percent for their ages...probably for any age. To their surprise, "average" upper middle class homes seem to be priced from $400-$800. The...
by Leesbro63
Wed May 31, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Tuft & Needle prices going up tomorrow
Replies: 5
Views: 1220

Re: Tuft & Needle prices going up tomorrow

What is the significance of Tuft and Needle and why might I want one? I'm not being sarcastic here...I just have never heard of this and wondering what it is.
by Leesbro63
Wed May 31, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 17
Views: 994

Re: Pennsylvania Vehicle Registration Renewal - 2 year option

A final thought...why are we still using metal license plates? Shouldn't there be an Ipad type thing, from the factory or as an aftermarket item, that communicates with the state? And when you buy a new car, the "plate number" gets transmitted from the state? I haven't fully thought this ...
by Leesbro63
Wed May 31, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Pennsylvania Vehicle Registration Renewal - 2 year option
Replies: 17
Views: 994

Re: Pennsylvania Vehicle Registration Renewal - 2 year option

I also just did the 2 year PA renewal. I used to be a "car guy" and changed cars frequently. They always transferred the plate, with the prior remaining registration continuing onto the new car (same plate). I can't see why that would be different with a 2 year registration. That being sai...
by Leesbro63
Sun May 28, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice/reassurance on what to do with $4-5m
Replies: 63
Views: 5805

Re: Looking for advice/reassurance on what to do with $4-5m

Herewith reassurance: sir, you are rich. You need not take such trouble; you are at a level to make very simple decisions. With five million and $150K in other income, you might simply put the money into a bond fund, and take the income, and plan to retire quite soon. I estimate an income without w...
by Leesbro63
Sat May 27, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: HondaCare Warranty Transferrable?
Replies: 3
Views: 341

HondaCare Warranty Transferrable?

In December of 2013, I assisted my daughter in purchasing a brand new, 2014 Honda CRV. The car is in her name as is the HondaCare Warranty that we bought from the selling dealer at the time. 8 year or 80,000 miles. Because she lives so close to her work, the car only has 20,000 miles on it at 41 mon...
by Leesbro63
Thu May 11, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Primary and Contingent Benficiary Question
Replies: 7
Views: 331

Re: IRA Primary and Contingent Benficiary Question

Rupert wrote:Pretty sure this will be controlled by state law. 19 states have adopted the Uniform Simultaneous Death Act in its present form. See https://en.wikipedia.org/wiki/Uniform_S ... _Death_Act.



How would this work in Florida? In Pennsylvania?
by Leesbro63
Thu May 11, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Primary and Contingent Benficiary Question
Replies: 7
Views: 331

IRA Primary and Contingent Benficiary Question

I was discussing this scenario with someone today. Let's say that I set up my IRA so that my wife is the primary beneficiary and my children from a prior marriage are the contingent beneficiaries. And my wife has a will that says that her own kids, from a prior marriage, are her sole heirs. We both ...
by Leesbro63
Tue May 09, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Question about re-gifting a gift for tax purposes
Replies: 13
Views: 697

Re: Question about re-gifting a gift for tax purposes

Why not gift $28,000 this year then just use up $16,000 of your $11Million-per-couple lifetime exclusion by filing the fairly easy to do gift tax Form 709? Will you really die with more than $11Million? And even if so, will gifting $16,000 of that now really make any significant difference when you ...
by Leesbro63
Wed May 03, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Trad IRA – pointless if modified adjusted gross income (MAGI) is beyond IRS limit?
Replies: 9
Views: 862

Re: Trad IRA – pointless if modified adjusted gross income (MAGI) is beyond IRS limit?

I think there is no point to make non-deductible traditional IRA contributions unless one can convert the contributed money reasonably quickly to a Roth IRA. Cannot EVERYONE convert a non-deductible traditional IRA to a Roth? I get it that many don't know about it and/or consider it a "gray ar...
by Leesbro63
Tue May 02, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Value of Small Business
Replies: 4
Views: 505

Value of Small Business

A friend of mine is thinking of retiring and selling his small business to one of his 1099 contractors. The business is basically a "middle man" business...my friend sells a product, manufactured by a large company, to local businesses. The business has no tangible assets and no employees....
by Leesbro63
Sat Apr 29, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: Bogle on "On The Money" this morning
Replies: 8
Views: 2104

Re: Bogle on "On The Money" this morning

Artisan wrote:I like his last line.

"Half the time I wonder why I have so much in stocks and the other half the time I wonder why I have so little"

That's me!

Thanks for the link.



+1
by Leesbro63
Thu Apr 27, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: VTI vs VTSAX (ETF vs Mutual Fund)
Replies: 6
Views: 859

Re: VTI vs VTSAX (ETF vs Mutual Fund)

Well, my answer is very clear. Don't just do something, stand there! Thank you all.
by Leesbro63
Thu Apr 27, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: VTI vs VTSAX (ETF vs Mutual Fund)
Replies: 6
Views: 859

Re: VTI vs VTSAX (ETF vs Mutual Fund)

livesoft wrote:The expense ratio of VTI will surely follow along with changes in the expense ratio of VTSAX. Or do you have inside information that it won't?


I have no such info and really haven't been following this...hence my question here.
by Leesbro63
Thu Apr 27, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: VTI vs VTSAX (ETF vs Mutual Fund)
Replies: 6
Views: 859

VTI vs VTSAX (ETF vs Mutual Fund)

I have a large position of VTI in my Vanguard brokerage account. It's a long story but I originally bought it in a non-Vanguard brokerage years ago. Now that Vanguard is cutting fees on VTSAX (Vanguard Total Market Admiral Shares), should I and can I try to convert VTI to that? What's the difference...
by Leesbro63
Fri Apr 21, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Roadside Assistance, Chase Sapphire Preferred
Replies: 5
Views: 767

Re: Roadside Assistance, Chase Sapphire Preferred

Are you guys sure this coverage is available on the PREFERRED card (not RESERVE)?
by Leesbro63
Fri Apr 21, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Roadside Assistance, Chase Sapphire Preferred
Replies: 5
Views: 767

Roadside Assistance, Chase Sapphire Preferred

On another post, there was reference to Chase credit cards (some? all?) providing roadside assistance. Do I get that benefit on my Chase Sapphire Preferred? I looked at the benefits and could not see that. If so, what number do I call when I get a flat tire at night on a dark road?
by Leesbro63
Fri Apr 21, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: New version of VantageScore coming
Replies: 16
Views: 1270

Re: Credit Score Changes For Bogleheads

You're right! Didn't see that. Perhaps the moderators can remove my redundant post here.
by Leesbro63
Fri Apr 21, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: New version of VantageScore coming
Replies: 16
Views: 1270

Credit Score Changes For Bogleheads

[Thread merged into here, see below. --admin LadyGeek] I THINK there's something actionable here for us, but not sure what. It would appear that those of us with top credit scores might be negatively affected: http://www.cnbc.com/2017/04/19/major-changes-coming-to-how-your-credit-score-is-calculate...
by Leesbro63
Tue Apr 04, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: Why Buffet likes S&P 500 Index over a TSM Index Fund?
Replies: 45
Views: 5544

Re: Why Buffet likes S&P 500 Index over a TSM Index Fund?

I'd guess because it [S&P 500] is "well known" and, to use a term not thrown around much now, is more "Blue Chips" heavy than TSM. In any case, either fund should produce satisfactory results. :beer +1. My guess is that it's a generational habit. Like my 82 year old father r...
by Leesbro63
Mon Apr 03, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Theoretical trust question
Replies: 9
Views: 614

Re: Theoretical trust question

Suppose you wanted to make a big impact on the world and that you had a net worth of $5M at the time of your passing. Would it be possible to create a trust that states that the money should be reinvested in stocks for 150 years (untouched) and then be used for charitable purposes after that? You w...
by Leesbro63
Mon Apr 03, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable Estate (def'n)
Replies: 2
Views: 375

Re: Taxable Estate (def'n)

It's not clear what you are asking. What does "XYZ asset shall be..." mean? Shall go to so and so? Shall be kept in trust? Shall be invested in comic books? What are you actually asking? Sounds to me like mom's estate was $2M so whatever the instructions are for an estate over $1m is what ...
by Leesbro63
Fri Mar 31, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 10757

Re: Not opting for 529... anyone else?

I will be honest. When the 529 and kids education were topic of the discussion among our circle many decades ago, we could not fathom the numbers either at that time. Only when my 2nd was 10 year old, we started 529 for him when at my new job a slick presentation was made :-) I am glad that I did i...
by Leesbro63
Fri Mar 31, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 10757

Re: Not opting for 529... anyone else?

The plans that make me cringe are the ones from parents who are willing to go deep in debt to pay for expensive colleges, either because they like to be martyrs or because they figure the kids will feel guilty enough about their 'sacrifice' to bail them out in their old age. But that's just me. Som...
by Leesbro63
Fri Mar 31, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 10757

Re: Not opting for 529... anyone else?

I don't want to get too personal but when somebody talks about wanting to have 5+ children and then they say but we don't have money to pay for their college education I just have to wonder! If you are in this forum, you understand the basic financial stuff. Having children is a decision to be made...
by Leesbro63
Fri Mar 31, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 10757

Re: Not opting for 529... anyone else?

Well, it's clear that IAMNOTDOCTOR and I do not fall into this category. I may be the single most frugal person on this board. Even if we were blowing money on leased cars and vacations, I still think the judgement is totally uncalled for. Calling someone out because they don't have a 529 account f...
by Leesbro63
Fri Mar 31, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 80
Views: 11456

Re: Currently have $700,000 at 26 years old get $100,000 a year

I read the thread on "illusion of poverty" and "illusion of wealth" and I may have the "illusion of poverty" I have this fear like what if the markets go down and stay down. I'm very afraid of the system no longer working for investors, not saying this would happen or ...
by Leesbro63
Fri Mar 31, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 10757

Re: Not opting for 529... anyone else?

Is that what this is REALLY about or do you just want to justify current consumption/refusal to do delayed gratification? It is about what I have said it is about: not knowing if the kid will take advantage of college so the idea of tying funds into a 529 doesn't seem appealing. But, while on the t...
by Leesbro63
Fri Mar 31, 2017 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 10757

Re: Not opting for 529... anyone else?

Is that what this is REALLY about or do you just want to justify current consumption/refusal to do delayed gratification? It is about what I have said it is about: not knowing if the kid will take advantage of college so the idea of tying funds into a 529 doesn't seem appealing. But, while on the t...
by Leesbro63
Wed Mar 29, 2017 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 10757

Re: Not opting for 529... anyone else?

But education for my children? Of course I'd want the best. But I can't be assured he'll want to go to college. Or that he won't get a full ride, or other funds for education. So the advantages of a 529 seem diminished, especially when looking at the list of what *can't* be covered. So, for now, we...
by Leesbro63
Wed Mar 22, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Very Sad - Loss of Backdoor Roth IRA all these years
Replies: 19
Views: 4860

Re: Very Sad - Loss of Backdoor Roth IRA all these years

Didn't your tax guy suggest that just do a Traditional but non-deductible IRA? If a backdoor Roth would have been good but you didn't know (because of the "gray market" knowledge of the backdoor Roth), you should have still known about traditional non deductible. If so, you can just conver...
by Leesbro63
Tue Mar 21, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Indiana Income Tax For County
Replies: 2
Views: 265

Re: Indiana Income Tax For County

Thank you for confirming what I suspected. We had a similar issue here in PA for the 1% local tax, but eventually they started withholding because too many people ended up with a tax bill that the tax collectors had to chase after. I'll tell them to have more withheld.
by Leesbro63
Tue Mar 21, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Indiana Income Tax For County
Replies: 2
Views: 265

Indiana Income Tax For County

I'm doing an income tax return for a family member who lives in Hamilton County, Indiana. It appears that there is a county income tax on top of the state's 3.3% income tax, so the total tax is over 4%. Is that right or am I missing something. The employer didn't withhold for the county...which seem...
by Leesbro63
Mon Mar 20, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Income Tax Return Extension
Replies: 3
Views: 447

Income Tax Return Extension

Is there any evidence that putting your Federal tax return on extension increases the chance of an audit? Are there any other real consequences of extension?
by Leesbro63
Sun Mar 19, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 13182

Re: Paying $20 to E-File State Return

This is not true: Here's what I do. I make sure that both Federal and State (PA, I am the original poster from 2011) have at least enough of a refund for the prior year to cover my first quarter estimate for the current year. I do this by making a final estimated payment for the prior year (in this...
by Leesbro63
Sun Mar 19, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 13182

Re: Paying $20 to E-File State Return

yea, unless one sends certified, one really has no way of knowing if it was even received on the other end, so, there's still a cost to send certified of $3-5ish per envelope (one to state one to fed). This is not true: Here's what I do. I make sure that both Federal and State (PA, I am the origina...
by Leesbro63
Wed Mar 15, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: IRA RMDS
Replies: 8
Views: 656

IRA RMDS

What is the rule for people with multiple IRA accounts older than age 70 1/2. Must they take a RMD from EACH account, or is there a way to make the calculation, recognizing the total
amount in all of the accounts, but just taking the required amount from one of the accounts?
by Leesbro63
Tue Mar 14, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing car in May. Get 1st CC now or wait? (720+ score)
Replies: 12
Views: 791

Re: Leasing car in May. Get 1st CC now or wait? (720+ score)

Not to hijack the thread, but is a lease the way you want to own all your cars going forward? Things being equal, a lease does not exist to save you money. You likely aren't getting a good deal. Your 1-2% cashback credit card won't offset the cost of leasing your future cars. Seems like a good exam...
by Leesbro63
Tue Mar 14, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing car in May. Get 1st CC now or wait? (720+ score)
Replies: 12
Views: 791

Re: Leasing car in May. Get 1st CC now or wait? (720+ score)

Not to hijack the thread, but is a lease the way you want to own all your cars going forward? Things being equal, a lease does not exist to save you money. You likely aren't getting a good deal. Your 1-2% cashback credit card won't offset the cost of leasing your future cars. Seems like a good exam...

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