Search found 296 matches

by Rob54keep
Sun Nov 05, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Contract on Home Question
Replies: 14
Views: 885

Re: Contract on Home Question

Yes,,,,I'm having here contact an attorney. There's a lot of moving pieces here with the house and the divorce settlement. Her current divorce attorney appears either clueless or not interested in diving deeper to clarify and advise her.
by Rob54keep
Sun Nov 05, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Contract on Home Question
Replies: 14
Views: 885

Re: Contract on Home Question

If I'm reading your post correctly it's just a simple Inspection Contingency. In MN we usually give the Buyer's 10 days to complete the Inspection. During that 10 days it's a virtual "get out of jail free card" for the Buyer because they can back out, and get their earnest money back, for any minor...
by Rob54keep
Sat Nov 04, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Contract on Home Question
Replies: 14
Views: 885

Re: Contract on Home Question

Thank you for your comments. I believe the binding refers to the fact that they must respond to the offer by tomorrow (date specific). Not even one business day to decide!

I recommended that she seek an attorney for a review. Too many caution flags for me.
by Rob54keep
Sat Nov 04, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Contract on Home Question
Replies: 14
Views: 885

Contract on Home Question

I'm not a contracts guy thus I have a question on the following: I have a sister-in-law who is undergoing a divorce who ask me the significance of a contingent clause in a contract where she is trying to sell her house. Upon acceptance of this offer, Buyer & Seller agree that buyers will satisfy the...
by Rob54keep
Fri Nov 03, 2017 4:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Interest In forming North Texas Boglehead Group
Replies: 11
Views: 1205

Re: Interest In forming North Texas Boglehead Group

Here is a previous quote from Mel on Chapter startup criteria: "If you get five or more Bogleheads who are interested in forming the Local Chapter and one of you agrees to be the Local Chapter Coordinator, contact me via PM with your name and an email address that you'd use for this purpose (suggest...
by Rob54keep
Fri Nov 03, 2017 8:13 am
Forum: Local Chapters and Bogleheads Community
Topic: Interest In forming North Texas Boglehead Group
Replies: 11
Views: 1205

Re: Interest In forming North Texas Boglehead Group

I thought by now that there would have been many replies on the original post. Still waiting and hoping!
by Rob54keep
Tue Oct 31, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 5796

Re: Retirees: which websites do you spend the most time on?

BH (of course)
Morningstar
Fox News
Clark Howard
Jim Lange Money Hour (in Pittsburg)
science & geology websites (AAPG)
Tax Policy Center
by Rob54keep
Sat Oct 28, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15066

Re: What was the main reason you retired?

My mains reasons were: #2, #9, spend more time with my wife and grand-baby, travel while I am still able, enough commuting for me. I am doing online teaching still which is more of a hobby than a job.
by Rob54keep
Tue Oct 24, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Can one have too much money in tax-deferred
Replies: 128
Views: 11346

Re: Can one have too much money in tax-deferred

Later in my career, I did build up my AT accounts (Vang. muni-mutal fund and Total Stock) to help pay taxes on Roth conversions after I retired. Also, it was nice to have AT$ to help pay for a new vehicle & the living expenses in the first 2 years of retirement. I assume that was not the objective t...
by Rob54keep
Wed Oct 04, 2017 6:11 pm
Forum: Investing - Theory, News & General
Topic: How do you avoid bad market timing for lump sum investments?
Replies: 67
Views: 6924

Re: How do you avoid bad market timing for lump sum investments?

Every time I have tried to DCA back into the market with a lump sum amount of money, it's never worked in my favor. I would have been better served by just doing a lump sum at one time per my objectives.
by Rob54keep
Wed Oct 04, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Do I replace AC evaporative coil or get a new unit?
Replies: 26
Views: 1859

Re: Do I replace AC evaporative coil or get a new unit?

What a bummer. To get a 10 year warranty you MUST register the product within 60 days of installation. If you didn't, you have a 5 year warranty.
by Rob54keep
Wed Oct 04, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Do I replace AC evaporative coil or get a new unit?
Replies: 26
Views: 1859

Re: Do I replace AC evaporative coil or get a new unit?

Thanks for the input and price ranges. If you're not familiar with these systems (and I am not) it's very difficult to discern what is reasonable. There was also discussion how labor intensive it was to create a vacuum (or a clean line) in a closed system. How important is that in the installation p...
by Rob54keep
Tue Oct 03, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Do I replace AC evaporative coil or get a new unit?
Replies: 26
Views: 1859

Re: Do I replace AC evaporative coil or get a new unit?

Great input for a non-mechanical / non-HVAC guy.
by Rob54keep
Tue Oct 03, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Do I replace AC evaporative coil or get a new unit?
Replies: 26
Views: 1859

Re: Do I replace AC evaporative coil or get a new unit?

Replacing the unit would include AC and furnace. It is a R-410a system. I'll check other reputable AC firms on their costs/warranty for the coil.
by Rob54keep
Tue Oct 03, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Do I replace AC evaporative coil or get a new unit?
Replies: 26
Views: 1859

Re: Do I replace AC evaporative coil or get a new unit?

Thanks much for the good input. These decisions are never easy and sometimes it's like rolling the dice (or $$).
by Rob54keep
Tue Oct 03, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Do I replace AC evaporative coil or get a new unit?
Replies: 26
Views: 1859

Re: Do I replace AC evaporative coil or get a new unit?

The warranty on the current unit has expired (bumper). The warranty on the new evap. coil is one year parts & labor and 5 years on parts (cost to replace the coil after one year would be about $1k). I replaced a capacitor last year (lifetime warranty on that), No other problems with the unit up to t...
by Rob54keep
Tue Oct 03, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Do I replace AC evaporative coil or get a new unit?
Replies: 26
Views: 1859

Do I replace AC evaporative coil or get a new unit?

My AC is 7 years old (live in Texas). The evaporative coil has a bad leak and does not hold refrig. and thus will not cool properly. The estimate to replace parts & labor is $3k. A new unit will probably costs $6-8k depending on the type unit. If the unit was 10 years or older I would automatically ...
by Rob54keep
Wed Sep 27, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Shower heads, recent experience?
Replies: 18
Views: 1787

Re: Shower heads, recent experience?

I recently bought a Speakman Anystream 360 shower head and really like it (about $35 Amazon). I had used one at a hotel the week before. It's a rather large head but gives me the water volume that I like.
by Rob54keep
Tue Sep 26, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 71
Views: 4326

Re: Do you avoid risky adventures once you have the money?

Now that I am in my 60's, I do avoid or shall I say I am more careful on risky adventures,,,but not because of my net worth. I find that I am still able to do most activities I did in my 20's and 30's but I tend be be less agile and thus more susceptible to falls etc. I don't ride my bike in busy ar...
by Rob54keep
Fri Sep 22, 2017 7:01 am
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10561

Re: Retirees, what is your marginal tax rate?

Before retirement was in the 33% club, for 2016 taxes, I in am in the 15%. I would be in the 0% but Roth conversions take me to the top of the 15%.
For 2017, who knows?
by Rob54keep
Sun Sep 03, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Does anyone use Driving Shoes?
Replies: 40
Views: 4218

Re: Does anyone use Driving Shoes?

I use to drive long distances and I found that a soft leather, flat slip-on show worked well for me. I used the leather Sperry Topsider slip-on for men.
by Rob54keep
Fri Aug 04, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Retirement Income Certified Professional
Replies: 3
Views: 589

Retirement Income Certified Professional

Anyone have comments/experiences with this certification of RICP (of American College of Financial Services) that states: RICP® prepares you help clients obtain a secure retirement. This designation equips advisors with the knowledge to effectively manage the transition from asset accumulation durin...
by Rob54keep
Tue Aug 01, 2017 8:26 am
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 10334

Re: Has the "bond bubble" caused you to change your allocation?

It has caused me to keep about 1/3 of my bond AA in a Stable Fund. The fund has an ER of 0.33 and that irritates me but it still has a yield of 2.3%. The remainder still stays in short-medium high grade bond funds with very low ER's.
by Rob54keep
Sat Jun 10, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 9812

Re: College admissions question - she got a "C"

This brings back old memories for me. When I was back in college I got a C in an advanced calculus course. At the time, it was a victory for me as I am not a math major. It never affected me getting into graduate school as the grade was not in my major which was geology. However, when I started appl...
by Rob54keep
Thu Jun 08, 2017 10:09 pm
Forum: Investing - Theory, News & General
Topic: Retirees: What are you doing about withdrawing?
Replies: 31
Views: 4846

Re: Retirees: What are you doing about withdrawing?

Now at age 63. I withdraw from my 401k monthly along with some after tax funds. I am also doing Roth conversions up to the top of the 15% bracket. Taxes are covered by withholding from the 401k withdrawals. I rebalance to 40/60 and that allows me to sleep so good. Awaiting any tax changes in Congres...
by Rob54keep
Wed May 24, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: When should my MIL take SS?
Replies: 5
Views: 643

Re: When should my MIL take SS?

Assuming that her late husband had qualified for SS benefits, she can start taking reduced Survival Benefit at age 62. I would review the SS info available at the link below carefully as each situation is different and one answer doesn't fit everybody.

https://www.bogleheads.org/wiki/Social_Security
by Rob54keep
Sat May 20, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 6225

Re: What are your priorities for retirement?

Retirement Priorities that I am already working on (semi-retired 2 years now) • Take care of my physically challenged spouse. Help her enjoy her remaining years by visiting places & friends. • Continue developing a healthy physical fitness routine that is at least 4 days/week. Maintain healthy annua...
by Rob54keep
Sat May 20, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Removing a Large TV - projector?
Replies: 7
Views: 937

Re: Removing a Large TV - projector?

I had a BIG tube tv in our master bedroom that worked great. Could not sell or give it away. I ended up wrestling it out of the house and taking to the local recycle center in our town. Even the local resale store in the are didn't want it! really is a shame but it is what it is.
by Rob54keep
Sat May 20, 2017 6:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: Interest In forming North Texas Boglehead Group
Replies: 11
Views: 1205

Interest In forming North Texas Boglehead Group

I am interested in forming of a Boglehead group in the Frisco/Prosper/McKinney TX area of North Texas (this is the new Jerry Jones territory) I know that there is a DFW Diehards but they meet at a location 25-30 miles from the area that we are located. Are there any other Bogleheads in this area tha...
by Rob54keep
Thu May 11, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Any experience with VRBO? [Vacation Rentals By Owner]
Replies: 19
Views: 4031

Re: Any experience with VRBO? [Vacation Rentals By Owner]

I recently had rented a house on VRBO and had the seller notify me that they were canceling my reservation because they were selling the property. I did get my refund but the owner kept the house on VRBO but at a higher rate now (a PGA tournament was in town). VRBO protected the owner but not the re...
by Rob54keep
Thu Apr 20, 2017 7:10 am
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 6921

Re: Is my electric bill high?

I live in north Texas so the summers are indeed hot. We have a home that is 2770 sq ft with 2 levels and 2 AC units (build in 2010). For the last 5 years we avg. 1272 kWh/mo with an avg costs of $155/mo (summers ~$200 and winters ~$90). I pay by using a 12 month avg billing so each month bill is alw...
by Rob54keep
Sun Apr 09, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Pay some Estimated Taxes?
Replies: 14
Views: 1689

Re: Should I Pay some Estimated Taxes?

Many thanks to all for the comments!
by Rob54keep
Sun Apr 09, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Pay some Estimated Taxes?
Replies: 14
Views: 1689

Re: Should I Pay some Estimated Taxes?

But if I am withholding taxes from March thru December to cover both the Roth conversion and the tIRA withdrawal, does it matter that 50% of the taxable income comes from Roth conversions in Jan thru March? I'm under the assumption that as long as my withholding covers all of the income for 2017, I ...
by Rob54keep
Sun Apr 09, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Pay some Estimated Taxes?
Replies: 14
Views: 1689

Re: Should I Pay some Estimated Taxes?

In my case my income in lumpy but lumpy early in the year. The withholding taxes does cover both the lump (Roth conversions) and the monthly income (tIRA) for 2017.
by Rob54keep
Sun Apr 09, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: When to slow down.
Replies: 33
Views: 5905

Re: When to slow down.

Set some specific financial goals or milestones for 2017. But also have other goals such as physical, intellectual, social, spiritual etc. goals. Keeping a balance in life has always worked well for me.
by Rob54keep
Sun Apr 09, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Should I Pay some Estimated Taxes?
Replies: 14
Views: 1689

Re: Should I Pay some Estimated Taxes?

Good point. My withholding taxes for 2017 will exceed my 2016 tax obligation. Actually it will be double that of that paid in 2016.
by Rob54keep
Sun Apr 09, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Online high school
Replies: 38
Views: 3071

Re: Online high school

As an educator that teaches on-line college courses, I find that the student's that do well are really self-motivated and organized. Most students perceive on-line courses to be easier but its actually harder because of the lack of face-to-face interaction. Most of the material I get back from stude...
by Rob54keep
Sun Apr 09, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Should I Pay some Estimated Taxes?
Replies: 14
Views: 1689

Re: Should I Pay some Estimated Taxes?

I kinda felt that the withholding taxes would satisfy the taxman but I really don't like those IRS letters in the mail.
by Rob54keep
Sun Apr 09, 2017 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Should I Pay some Estimated Taxes?
Replies: 14
Views: 1689

Should I Pay some Estimated Taxes?

I am seeking advice on whether I should pay one estimated tax payment this year (4/17/17). I did some partial Roth conversions in the first quarter of 2017. Then in March I started monthly tIRA payments (to me) with enough withholding taxes to cover both the Roth conversions and the tIRA payments fo...
by Rob54keep
Sun Feb 19, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Any reason to delay using Turbotax to file taxes?
Replies: 13
Views: 1969

Re: Any reason to delay using Turbotax to file taxes?

I already received my refund (very small) using TT for 2016. No state just federal. No problems that I can see.
by Rob54keep
Sun Feb 19, 2017 7:28 pm
Forum: Investing - Theory, News & General
Topic: Primecap Admiral Fund VPMAX
Replies: 14
Views: 2152

Re: Primecap Admiral Fund VPMAX

I use this fund inside of a 401k for a growth component of my AA. A bit pricey but has performed nicely.
by Rob54keep
Sun Feb 19, 2017 7:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 5387

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

Happy 10th! I have learned (and continue to learn) so much in the 9 years that I have been here. Than you to all of you for your help and patience along the way.
by Rob54keep
Fri Feb 17, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash set aside for taxes next year?
Replies: 7
Views: 768

Re: What to do with cash set aside for taxes next year?

Would Capital Gains be treated the same as Taxable Income for that year? Would taxes be due during the year (est taxes) or upon tax filing time (1040)? Are there any other withholding taxes occurring during the year?
by Rob54keep
Sat Jan 07, 2017 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 58
Views: 5223

Re: Anybody else Age - 10 in bonds, rest in stocks

I'm close to that but it isn't my goal per Se:
Age 63, Retired,,,40 stocks /60 bonds(and a paid off house)
by Rob54keep
Thu Jan 05, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Yet another reason to dislike Vanguard's "upgraded" accounts
Replies: 7
Views: 1341

Re: Yet another reason to dislike Vanguard's "upgraded" accounts

Has anyone experienced any problems with doing a Roth IRA recharacterization from these "upgraded" accounts?
by Rob54keep
Tue Jan 03, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: You have 5-10 minutes to teach someone about personal finance
Replies: 54
Views: 4712

Re: You have 5-10 minutes to teach someone about personal finance

Spend less than you make - have a budget
Stay out of debt - especially credit cards
Invest early and often
Never try to time the market
Keep investment costs low - use Index Funds when possible
Diversify
Keep it simple
Stay the course
by Rob54keep
Tue Jan 03, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Valuation of Texas Oil lease
Replies: 4
Views: 409

Re: Valuation of Texas Oil lease

I am a petroleum geologist that has worked in the Permian/Midland Basin area. I would also look not only at the existing convention production potential (in terms of future monetary value) but also any further exploration upside that the area may have. That area has had an upsurge in production from...