Search found 1425 matches

by Random Poster
Thu Jun 22, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4264

Re: Help with Guns in Estate [how to sell]

If you don't care about the price or what happens to the guns, see if there are any gun buyback programs going on in your area, where you walk in with the gun(s), hand it over to the police (or the government agency running the program), and walk out with cash money. Wow. For a forum that is usuall...
by Random Poster
Wed Jun 21, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: What does it mean to be a board-certified elder law attorney?
Replies: 10
Views: 809

Re: What does it mean to be a board-certified elder law attorney?

What state are you in? In Texas, being Board Certified in a particular field generally means, among other things, that you have practiced in that area for a certain number of years, took and passed a test (that is administered and graded by the relevant section of the State Bar) in that field of stu...
by Random Poster
Tue Jun 20, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4264

Re: Help with Guns in Estate [how to sell]

If you don't care about the price or what happens to the guns, see if there are any gun buyback programs going on in your area, where you walk in with the gun(s), hand it over to the police (or the government agency running the program), and walk out with cash money.
by Random Poster
Mon Jun 19, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card for expat
Replies: 20
Views: 1047

Re: Credit card for expat

Capital One Quicksilver works, and worked, for me. The exchange rate seemed fair and it never rejected a transaction.

ETA: I also liked how the cash back was on everything and was automatically credited to the statement balance.
by Random Poster
Mon Jun 19, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Which motorcyle?
Replies: 26
Views: 1207

Re: Which motorcyle?

Jack FFR1846 wrote:
Random Poster wrote:Ural.


With or without a sidecar?


With.

Slightly different riding experience than a regular motorcycle, but the relative uniqueness of a sidecar makes for greater visibility and, perhaps, safety.
by Random Poster
Mon Jun 19, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Which motorcyle?
Replies: 26
Views: 1207

Re: Which motorcyle?

Ural.
by Random Poster
Wed Jun 14, 2017 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: house or condo for a frequent traveling family?
Replies: 17
Views: 1655

Re: house or condo for a frequent traveling family?

I often wonder the same thing regarding which housing option is "better." The lock and leave and (depending on the unit) concierge presence of a condo seems like it would be a lot less hassle than dealing with a house, plus the house would likely involve yard work and potentially more upke...
by Random Poster
Wed Jun 14, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Curious to odd estate question
Replies: 88
Views: 4737

Re: Curious to odd estate question

Tanelorn wrote:Personally I like the treasure chest idea, and you could do a complicated scavenger hunt with clues along with it. Doing it while you're still alive could be fun.


Ever heard of Forrest Fenn's treasure?
by Random Poster
Sat Jun 10, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 4192

Re: (Very) Early Retirement vs Parenthood

Here is a financial response: Pick a monetary number that has meaningful value to you, but that isn't so large that it means "never have to work again." If someone offered you that amount of money or a newborn, which would you pick? It doesn't matter what your reasoning is, but whatever yo...
by Random Poster
Thu Jun 08, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Canada / US Tax Accountants in Chicago or Midwest
Replies: 1
Views: 131

Re: Canada / US Tax Accountants in Chicago or Midwest

How much are you willing to pay? My employer uses PWC to handle US/Canadian expat tax returns, and I suspect that they have an office in Chicago. But I don't think that they are particularly cheap. That said, given how essentially everything can be done electronically now, I wouldn't feel compelled ...
by Random Poster
Wed Jun 07, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Financially independent and then market crashes?
Replies: 54
Views: 5804

Re: Financially independent and then market crashes?

I'm trying to parse this statement. If you really feel that the market goes down easier than it goes up, how do you correlate that with the historical fact that stocks average a ~6-7% (real) over the long term, well beyond any statistical measure of declining over any extended time. I don't. Howeve...
by Random Poster
Wed Jun 07, 2017 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Financially independent and then market crashes?
Replies: 54
Views: 5804

Re: Financially independent and then market crashes?

Sooooo never retire then? I know everyone likes these things to fit in a precise little formula but that not possible. If the market crashes six months out, the young retiree can cut back spending a little. They could pick up a part time job maybe. They have options. The 4% rule is derived from tes...
by Random Poster
Tue Jun 06, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Financially independent and then market crashes?
Replies: 54
Views: 5804

Re: Financially independent and then market crashes?

How about this: Set your annual expenses to equal 2.5% (or less) of your total investment portfolio balance, based on what the balance would be if the value of the equity portion of the portfolio is half of what it is now. I think that if you can do this (and thus keep your expenses relatively low t...
by Random Poster
Fri Jun 02, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Please critique my attorney's suggestions..
Replies: 28
Views: 4232

Re: Please critique my attorney's suggestions..

I don't understand the 'creative plan' mentioned above. Can you please be more elaborate? All I'm suggesting is the possibility of drafting a deed that conveys the house to someone for a term of years (or until your children reach a certain age, or achieve a certain goal, or whatever), at which poi...
by Random Poster
Thu Jun 01, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Please critique my attorney's suggestions..
Replies: 28
Views: 4232

Re: Please critique my attorney's suggestions..

Not an attorney. Texas has a new Transfer on Death Deed (TODD) which has only been in effect since November, 2015. You might want to ask your attorney about it. 1210 Indeed. Note also that the TODD is a statutory form, so you can fill it out yourself without needing an attorney. Regarding the real ...
by Random Poster
Thu Jun 01, 2017 5:08 pm
Forum: Investing - Theory, News & General
Topic: What makes a Conservative BHer? for retirement purposes
Replies: 16
Views: 1333

Re: What makes a Conservative BHer? for retirement purposes

Similar to the line regarding how anyone who drives slower than you is an idiot, anyone going faster than you is an maniac, I suspect that anyone who has a lower withdrawal rate than you do would be considered "conservative," while anyone who has a higher withdrawal rate than you do is a d...
by Random Poster
Thu Jun 01, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7359

Re: What Do You Pay for an Oil Change?

Strangely, I couple of times I got a CEL when I let the oil change interval get a little too long or the oil is a little low (at the low indicator on the dipstick). Once I change the oil, it goes away. Another reason to make sure the oil isn't too low. Indeed...plus, as I recall, certain parts of t...
by Random Poster
Thu Jun 01, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 2290

Re: Changing Car Cabin Air Filter - after how much time

I change my cabin and engine air filters on my Honda about every 30,000 miles. I buy the filters online from a Honda dealership in the Northeast for much cheaper than what any dealer around me is selling them for.
by Random Poster
Thu Jun 01, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7359

Re: What Do You Pay for an Oil Change?

Just had the oil changed on my 2009 Honda CR-V today. Cost $39.95 for the oil and filter change and the installation of a new washer. [The invoice states that it took 5 quarts of genuine Honda 5W20 oil --- (ETA: which seems high, given that the oil capacity of the CR-V is only 4.4 quarts or so, but ...
by Random Poster
Wed May 31, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Help me determine a savings percentage..
Replies: 19
Views: 1512

Re: Help me determine a savings percentage..

You should use your gross income, and your expenses should be inclusive of taxes. In other words, your savings rate should be based on gross pay, not net. But the amount of income taxes that I pay now have no relation to the amount of income taxes I will pay upon retirement, and thus the "expe...
by Random Poster
Wed May 31, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help me determine a savings percentage..
Replies: 19
Views: 1512

Re: Help me determine a savings percentage..

This calculator is excellent for this purpose. Maybe I'm missing it, but the linked calculator doesn't seem to allow for taxes withheld from one's income. My annual income may be $200K, and my annual savings may be $100K, but that doesn't mean (as the calculator suggests) that my annual expenses ar...
by Random Poster
Wed May 31, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

freebeer wrote:Why? Is it a showstopper that MNF doesn't start until 8:30pm??


Everything seems to run "late", including the sunrise time. It is hard to explain in words, but every time we visit somewhere in the eastern time zone, things just feel "off."
by Random Poster
Wed May 31, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

From the original list, and eliminating those that have either too much snow/cold or long periods of heat, while still being affordable seems to leave Santa Fe, the Springs, and possibly Durango or Grand Junction as local ( although I would have said Lubbock before Amarillo, as it's greener and has...
by Random Poster
Wed May 31, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Personal capital flight to non-US$, NOT Political!
Replies: 15
Views: 1529

Re: Personal capital flight to non-US$, NOT Political!

Brett Arends at Marketwatch says time to diversify out of the US$ and get a second passport if possible. I have a large position already in EM and Total International (relative to my liquid investable assets). At Vanguard, with no other holdings except farmland in US. In view of FATCA, can I send s...
by Random Poster
Wed May 24, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 64
Views: 11005

Re: A Gem from Livesoft

In reality (aka real life) these numbers and percentages seem to me to be fairly meaningless---unless I am misunderstanding the chart. Which is why I think that, regardless of the time period involved and the asset allocation of one's investments, as long as one only spend the interest and dividend...
by Random Poster
Mon May 15, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 762861

Re: What Movie Have You Recently Watched?

Recommend Manchester by the Sea, great, although not a happy movie. I watched it this weekend. I think that the movie was over-hyped and given too many accolades----it isn't difficult to act "sad," and there was no real point to the movie that I could discern. Glad that I didn't pay any m...
by Random Poster
Mon May 15, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 49
Views: 4705

Re: Tipping for restaurants where you order at the counter

I've noticed three main types of restaurants where you order at the counter. In all, you pay in advance and you are prompted to enter a tip amount: 1. You pick up your food at the counter, then you clean up after yourself and put your dishes by the trash can, like at Panera. 2. They bring the food ...
by Random Poster
Fri May 12, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: Yellowstone Itinerary
Replies: 31
Views: 1690

Re: Yellowstone Itinerary

I'm thinking - July 1 - fly to Bozeman. Load up in supplies. Anything to do here? Should we stay here or get a room near the north entrance or mammoth springs if I can get one? In Bozeman, if you (or your wife, or your kids) are into dinosaurs, visit the Museum of the Rockies. Their dinosaur stuff ...
by Random Poster
Sun May 07, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

Thanks again to everyone who has provided suggestions, comments, and insights. The wealth of knowledge that has been shared is tremendous and you all have provided us much to consider and ponder. Thank you.
by Random Poster
Sun May 07, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

I'm late to this thread, so I'm not sure if my suggestion has been mentioned. Go to Outside Magazines website and you may find a similar article to what you are seeking. There was a somewhat similar thread here a few months ago and I made the same suggestion. I may have even posted a link, so you c...
by Random Poster
Sun May 07, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

Point: More likely than not, where ever you choose to relocate, it is unlikely you won't 10-20+ minutes from "the draw/vibrant aspect" of a city with your $300,000 housing budget. That's just a reality in most cities. You may need to post that as being a requirement of consideration on yo...
by Random Poster
Sun May 07, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

Hopefully you have thought about health care? Just taking things the way they currently stand, certain areas have multiple providers to choose from and some have none. I know this is in flux right now but it would be near the top of my list of considerations in this situation. Is there a good resou...
by Random Poster
Sun May 07, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

Midland, Michigan. Weather OK, lovely Fall, summer/winter not too extreme. No mountains though. But no hurricanes, no earthquakes, no tornados. https://finance.yahoo.com/news/midland-michigan-receives-honors-great-153000645.html Nothing against Midland, Michigan, but my experiences in another town ...
by Random Poster
Fri May 05, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

OP: You removed Santa Fe from your list, but kept ABQ list. Having personal living experience in Santa Fe for a decade recently, I'll give you my opinion why you should seriously reconsider that as a possibility. Thank you for your detailed comments on Santa Fe. I haven't yet shared them with my wi...
by Random Poster
Thu May 04, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

It happens. :D So, for the folks on this thread who have further location suggestions for you, what's the geographic area that you are looking in now? My impression is that something within a days' drive of Amarillo would be ideal, but something within 2 days' drive could be workable. Anything beyo...
by Random Poster
Thu May 04, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

Based on the comments given, and our first-impression thoughts of a location (for example, regardless of how wonderful somewhere in Washington State or upstate New York might be, it is simply too far away from my wife's family for her to consider living there).... Realize that you've added another ...
by Random Poster
Thu May 04, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

Can you live with a 2 bedroom Condo close to town? How about a house in the exurbs as long as you don't have a commute? Yes, as to both. I'd be fine with a 1 bedroom condo, if it was in a walkable downtown-type area near public transportation to an airport and offered reasonable access to parks and...
by Random Poster
Thu May 04, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

Thanks again to all who have responded. I wrote down all of the suggested locations, and my wife and I made a quick run through them last night. Based on the comments given, and our first-impression thoughts of a location (for example, regardless of how wonderful somewhere in Washington State or ups...
by Random Poster
Wed May 03, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

I_Am_Not_A_Doctor wrote:Just out of curiosity, what in your arithmetic led you to rule-out the Indianapolis, IN, metro area?


I don't think that we have ever considered the place. But doesn't it get a lot of tornadoes?
by Random Poster
Wed May 03, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

Nashville, Tennessee -- Nearness to family is its only real positive at this point. Curious what your negatives are for Nashville. I've always enjoyed visiting and have heard great things from people who live there. It has been a while since I visited, but as I recall, the summers can be unpleasant...
by Random Poster
Wed May 03, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

I do enjoy this thread, but realize the decision can't be made by us posting ideas. Everyone has their "somewhere else" or at least some ideas to narrow it down. OP, where have you traveled that you liked for whatever the reason? Well, of the cities on the initial list: Amarillo, Texas --...
by Random Poster
Wed May 03, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

Why 25th to 75th? You are against low taxes? There is a bit of "you get what you pay for" when it comes to city and state services/resources. I would like living somewhere that has a well-stocked public library, smooth and pot-hole free roads, and well-manicured parks, and I am willing to...
by Random Poster
Tue May 02, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

Thanks to everyone who has responded.

You have provided many possibilities for my wife and I to consider. Thank you.
by Random Poster
Tue May 02, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

What are your favorite and least favorite things about where you live now? There's a good place to start - completely eliminate based on those factors first. I currently live in a west Texas town known for oil and gas production and the former home of two presidents. Other than the relative lack of...
by Random Poster
Tue May 02, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

How about Albuquerque NM? I've been looking at it as a potential retirement location.... I'd be interested in your summaries of the list you already have.... I've got a handwritten chart that lists all of the possible locations, which then assigns each of them a score in about twenty categories (ra...
by Random Poster
Tue May 02, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Re: Where to Live on $60K or Less a Year?

I believe I recall OP posting this before. As a resident of Utah, there are a ton of areas here which fit the bill (household of 4 and our total annual household expenditures is well under $60k), but Ogden may be the single least desirable area in the state to live in. In March, 2015, I posted a qu...
by Random Poster
Tue May 02, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24664

Where to Live on $60K or Less a Year?

I could use some guidance. Suppose that you would like to live off of no more than $60,000 a year from your investments, which are a mix of monies in retirement accounts and a taxable account, starting today and continuing on for around 50 years. Further suppose that you have around $300K (give or t...
by Random Poster
Wed Apr 26, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Adding "Amended" Header on Federal Tax Forms Filed with 1040X?
Replies: 8
Views: 416

Re: Adding "Amended" Header on Federal Tax Forms Filed with 1040X?

jebmke wrote:They know what to do with it. Just file the X with the new/changed forms. Don't forget to sign.


Thank you.
by Random Poster
Wed Apr 26, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Adding "Amended" Header on Federal Tax Forms Filed with 1040X?
Replies: 8
Views: 416

Re: Adding "Amended" Header on Federal Tax Forms Filed with 1040X?

If you aren't using tax software, and follow the IRS instructions for 1040X, does it tell you to write "amended" on the amended forms? Not that I can tell, but I am concerned that I may have overlooked something. Plus, in previous years, when a very well paid CPA firm did my taxes, they r...
by Random Poster
Wed Apr 26, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Adding "Amended" Header on Federal Tax Forms Filed with 1040X?
Replies: 8
Views: 416

Adding "Amended" Header on Federal Tax Forms Filed with 1040X?

I'm considering filing an amended federal tax return this year. Doing so would result in an additional $750 or so refund, but it involves filing some complicated forms (that were not included as part of my original tax return) and re-calculating and re-filing one form (Form 6251) that was included a...

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