Search found 1104 matches

by RudyS
Sun May 27, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Buying Ford Extended Warranty online vs different plan offered by the Dealer...
Replies: 16
Views: 545

Re: Buying Ford Extended Warranty online vs different plan offered by the Dealer...

One more thing - there's no rush! You can get the Ford warranty anytime up until the original warranty expires.
by RudyS
Sun May 27, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Buying Ford Extended Warranty online vs different plan offered by the Dealer...
Replies: 16
Views: 545

Re: Buying Ford Extended Warranty online vs different plan offered by the Dealer...

Factory warranty only! But check the terms. You want what is called "exclusionary." It excludes only normal wear parts like brakes, wipers. You do not want one with a long list of covered items. It sounds good till it turns out your problem is not on that list.
by RudyS
Sun May 27, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Does Wells Fargo Advisors Require Medallian Signature Guarantee
Replies: 9
Views: 496

Re: Does Wells Fargo Advisors Require Medallian Signature Guarantee

There was at least one previous thread about this. Use Advanced Search, search for Wells Fargo Medallion. Good luck.
by RudyS
Sun May 27, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Temporary living arrangements
Replies: 6
Views: 586

Re: Temporary living arrangements

PODS is just one of a number of moving container companies: https://www.move.org/best-moving-container-companies/ .I know nothing about these, but they might be other options for you.
by RudyS
Sun May 27, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 11062

Re: Helping Adult Children (but not too much)

Lots of good thoughts here. One thing to add to the discussion is the projection for our own future. If we go away today, there will be a great inheritance. But we want to be sure (as much as one can be sure) that long term care is covered from our assets and that the kids won't be "stuck" with us. ...
by RudyS
Sat May 26, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 29
Views: 1936

Re: Near commercial level treadmill

Precor is the best brand out there. Not as fancy as some of the other brands, but that is because they put their money into better belts/ frame and motor. I have one of those. Use it every other day, in combination with some weights. It's in front of a TV/DVR setup. Takes 40 minutes to watch a one ...
by RudyS
Sat May 26, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 29
Views: 1936

Re: Near commercial level treadmill

You might run an ad on Craigslist or your local paper offering to BUY. "Wanted - used treadmill, high quality." There are lots of folks with treadmills in the basement who would be glad to be rid of them with a little impetus. If moving them is an issue, contact a place that sells/services treadmill...
by RudyS
Sat May 26, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2077

Re: Brick pavers on the edge of my porch are already falling off

I'm wondering why the darn things have to float. Put something under all of them, so that they don't float. It looks like the lack of something was a shortcut to avoid spending time and money. That's the real question. I wondered about that all the time I was working through the previous posts.
by RudyS
Fri May 25, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: My first CP2000 letter from IRS! Am I missing something?
Replies: 20
Views: 2677

Re: My first CP2000 letter from IRS! Am I missing something?

IRS makes mistakes. A couple of years ago I got a CP2000 claiming I did not report the distribution from my wife's IRA. But I did, together with mine. These are lumped on line 15. The total was the sum of the two 1099s, I don't know how they could have missed it. I wrote an explanation, and a while ...
by RudyS
Fri May 25, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Rental car in Denver, CO
Replies: 22
Views: 1493

Re: Rental car in Denver, CO

triyoda wrote:
Fri May 25, 2018 9:23 pm
Denver is also most expensive rental in my opinion. I have never paid less than $500-$600 for an 8 or 9 day rental in the summertime. Even when booked months in advance, don't know what it is about Denver.
Rocky Mountain High!
by RudyS
Thu May 24, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Have a side biz: Should I transfer and then close my biz checking account?
Replies: 11
Views: 625

Re: Have a side biz: Should I transfer and then close my biz checking account?

I have a side hustle that is an LLC for work that I occasionally pick up throughout the year. There's not much money in my business checking account (I have Navy Federal CU) and there are no fees. But, I am trying to simply my finances and wondering if it's OK to close NFCU and just transfer the mo...
by RudyS
Wed May 23, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Rental car in Denver, CO
Replies: 22
Views: 1493

Re: Rental car in Denver, CO

Suggest you try autoslash.com . I've used them a lot and always good prices. They take your rental info, discount plans, memberships, and then in a few minutes send an email with priuces for almnost every rental comnpany. YOU pick one, and then use the link to priceline to actually book. You'll get...
by RudyS
Wed May 23, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Rental car in Denver, CO
Replies: 22
Views: 1493

Re: Rental car in Denver, CO

Suggest you try autoslash.com . I've used them a lot and always good prices. They take your rental info, discount plans, memberships, and then in a few minutes send an email with priuces for almnost every rental comnpany. YOU pick one, and then use the link to priceline to actually book. You'll get ...
by RudyS
Tue May 22, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Build a retaining wall ?
Replies: 19
Views: 1492

Re: Build a retaining wall ?

hello. i am removing two 8 foot in some section retaining walls. i cannot find any videos anywhere so far on how to safely do this. its versa lock blocks. we are re using blocks . To needhalpplease: you should really start your own thread with the subject "Removing Versablock retaining wall, help n...
by RudyS
Tue May 22, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any experienced real-estate people here?
Replies: 39
Views: 3536

Re: Are there any experienced real-estate people here?

There is a big difference between a house that needs updates but is livable vs immediate gut/reno vs teardown. When I'm casually browsing on zillow i've seen a lot of pre 80's kitchens where I think, this eventually needs to be replaced but could live with it for a few years. How would the house lo...
by RudyS
Mon May 21, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Rental Car : Paying Toll tax in Texas for a CA resident
Replies: 15
Views: 1469

Re: Rental Car : Paying Toll tax in Texas for a CA resident

Hertz sends through one charge with tolls plus any fees. I suspect you were charged the per diem $4.95 or whatever for one day, plus the toll. As I said earlier, I've not encounted that $30 penalty. Nowadays I think the toll pass arrangement is automatic. Early on, you had to sign up for it,and if y...
by RudyS
Mon May 21, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Check Letter / Notice from IRS Online
Replies: 9
Views: 1306

Re: Check Letter / Notice from IRS Online

We regularly travel for a week or two. But we don't use Informed Delivery. I cannt imagine that anything from the IRS would have such a short deadline for response. I think my stress level would be lower without Informed Delivery, so I don't use it.
by RudyS
Sun May 20, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 7422

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

The post title includes "Retirement Finances." Not much discussion in this thread so far. To address that, let me suggest Continuing Care Retirement Communities (CCRC's). You can search for earlier threads. If you are still healthy, you likely qualify medically for such a place. They are very expens...
by RudyS
Sun May 20, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: child turning 18 - stop filing as dependent?
Replies: 23
Views: 1984

Re: child turning 18 - stop filing as dependent?

golfCaddy wrote:
Sun May 20, 2018 7:12 pm
Legally, the IRS has a definition of a dependent. Your 18 year old will meet it or not. The IRS doesn't provide you an option here.
Very succinct explanation. This comes up here periodically.
by RudyS
Sun May 20, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Where to find movers for a couch?
Replies: 16
Views: 1108

Re: Where to find movers for a couch?

kenoryan wrote:
Sat May 19, 2018 9:47 pm
2 men and a truck.
Good idea. Note, that's the actual name of company. Two Men and a Truck.
by RudyS
Fri May 18, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3354

Re: Road trip Newark NJ to Albany

It's a but touristy, but Howe Caverns are close to Albany. Smaller kids? Catskill Game Farm. I've done those with my parents when I was a kid,and then again with our grandkids. You might consider flying into Albany and taking the round trip by car from there. Depends on fares/rental cost/schedule bu...
by RudyS
Mon May 14, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Rental Car : Paying Toll tax in Texas for a CA resident
Replies: 15
Views: 1469

Re: Rental Car : Paying Toll tax in Texas for a CA resident

Michigan resident, have rented in Texas (and same situation in Florida). They use pay-by-plate. (Hertz ) You get a charge later on, for the toll plus about $5 per day of rental that you encounter tolls. Max about $20. It used to be you paid the charge for the entire rental even if you don't use the ...
by RudyS
Mon May 14, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Executor - Vanguard
Replies: 9
Views: 1142

Re: Executor - Vanguard

If no-one can speak to the Trust Department, how does anyone utilize it? Something missing.
by RudyS
Sat May 12, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Teen drivers and divorce
Replies: 15
Views: 2182

Re: Teen drivers and divorce

I think most policies have a definition page what states who is insured. That might provide your answer, if not, check with the company. I agree with earlier posts that this is a major issue.
by RudyS
Sat May 12, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Moving companies (long distance):recommendations+choosing delivery date?
Replies: 15
Views: 720

Re: Moving companies (long distance):recommendations+choosing delivery date?

Two Men and a Truck on their web site offers (some places) use of a dedicated truck. Must mean that your load fills a reasonable amount of one of their trucks. Does anyone have experience with this sort of service? Talking interstate, midwest to Massachusetts.
by RudyS
Thu May 10, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Picking up New Subaru-Worth buying extended warranty?
Replies: 33
Views: 2077

Re: Picking up New Subaru-Worth buying extended warranty?

Do not buy the warranty NOW, if at all. Wait till Subaru warranty is about to run out. Then evaluate. But if you do buy then, get what's called an exclusion policy which covers everything except for excluded items (wear parts like brakes) and not one that lists only certain parts. And if you do thin...
by RudyS
Wed May 09, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4662

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

Hedging currency risk is a very different scenario than what the OP is envisioning. They are thinking of a major political crisis. Understood, but if there is a major political crisis to the point that people are rushing across borders with gold and jewelry and whatever other personalty they can ca...
by RudyS
Sun May 06, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17406

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

I keep coming back to see how this worked out. But all I see is conjcture about the law, and advice to read/check the contract. I'd sure like to see the update from OP.
by RudyS
Sun May 06, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Moving - Move Financial Documents or Send via UPS?
Replies: 7
Views: 673

Re: Moving - Move Financial Documents or Send via UPS?

I keep the tax files for 6 years, the lookback period. Earlier, I just keep the copy of the return itself, no backup documents unless needed to show basis at some later point.
by RudyS
Sat May 05, 2018 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Moving - Move Financial Documents or Send via UPS?
Replies: 7
Views: 673

Re: Moving - Move Financial Documents or Send via UPS?

If you spiral bound the papers into books, you could ship them using Media Mail. Media mail is how I shipped my library to and from grad school. http://about.usps.com/notices/not121/not121.htm Media mail is for book, etc., subject to precise definition, details in the quoted link. Just binding a lo...
by RudyS
Sat May 05, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care facility - shielding some assets for the kids
Replies: 37
Views: 3851

Re: Continuing Care facility - shielding some assets for the kids

delamer wrote:
Fri May 04, 2018 5:30 pm
mickeyd wrote:
Fri May 04, 2018 4:26 pm
The CCRCs that we have visited were all 501(C)3 non-profit organizations. Are all CCRCs non-profit?
No, the one my mother was in was not.
They can be non-profit, or "not for profit", or just plain commercial.
by RudyS
Fri May 04, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 25
Views: 2102

Re: Car rentals, what is the catch?

There was just recently a thread about car rentals. I use autoslash.com to find prices. You fill out a form with details, including all discounts you might bge eligible for. Soon you get an email with prices for most all chains. Pick what you want, click, and make a reservation via priceline. Autosl...
by RudyS
Thu May 03, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care facility - shielding some assets for the kids
Replies: 37
Views: 3851

Re: Continuing Care facility - shielding some assets for the kids

afan wrote:
Thu May 03, 2018 1:57 pm
Consult with an elder law attorney.
Great idea. Another reason besides answering the question posed: different CCRCs have various contracts and policies and the contracts are not always the most clear. I'm looking at CCRCs now and plan to have the contract reviewed before signing.
by RudyS
Wed May 02, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4107

Re: Ally asking CURRENT customer to provide SSN card?

I volunteer with AARP TaxAide and we ask for a social security card for everyone on the return (i.e., dependents as well as taxpayer). Main point is to be sure we have the right number and right spelling of name to avoid having efiled returns getting rejected. We also ask for photo ID to deter ID th...
by RudyS
Mon Apr 30, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to help housekeeper - she says she cannot incorporate?
Replies: 21
Views: 1318

Re: Trying to help housekeeper - she says she cannot incorporate?

It's not just the taxes. A portion of her actual SS benefit is deducted at certain ages/levels. See below: "You can get Social Security retirement benefits and work at the same time. However, if you are younger than full retirement age and make more than the yearly earnings limit, we will reduce you...
by RudyS
Sun Apr 29, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Car rental in Las Vegas
Replies: 14
Views: 1222

Re: Car rental in Las Vegas

Autoslash has given me great prices. Not too inconvenient to go check occasionally for better prices even without their automatic system, but I never found significant differents. Maybe an attempt at the last minute might be fruitful. To be clear, they still have a system that automatically and per...
by RudyS
Sun Apr 29, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Double hung window sticking - How to fix?
Replies: 4
Views: 485

Re: Double hung window sticking - How to fix?

Silicone is not a petroleum distillate. But some brands of silicone spray may use a petroleum distillate propellant, so that may be a concern. I'd use it; and here is another opinion: https://www.youtube.com/watch?v=xZGKIfeIoC8
by RudyS
Sun Apr 29, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Family vacationing
Replies: 40
Views: 3729

Re: Family vacationing

A source of ideas: go to your library. Look at the Frommer or Fodor travel guides for several states within driving range. Might find inspirations on some fun things or destinations. Both Frommer and Fodor have web sites, with topics as well as forums for discussions. Those two books have been my go...
by RudyS
Sun Apr 29, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Car rental in Las Vegas
Replies: 14
Views: 1222

Re: Car rental in Las Vegas

Autoslash has given me great prices. Not too inconvenient to go check occasionally for better prices even without their automatic system, but I never found significant differents. Maybe an attempt at the last minute might be fruitful.
by RudyS
Sun Apr 29, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Finding MA plan info in another area?
Replies: 2
Views: 237

Re: Finding MA plan info in another area?

I want to look into Medicare Advantage plans in another area of the country - all the web search sites, though, seem to want/require my email and other information. Are there any search sites that can give me MA plan info by the area/zip code without getting on the email promotional lists? Go here:...
by RudyS
Sat Apr 28, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 73
Views: 5292

Re: [Vanguard account locked out due to deceased owner]

This is a fascinating discussion; I'm at the age where this might become relevant (actually it could do so anytime). I am wondering if my (our) situation is too simple. All automated bill pay (except for credit cards themselves) is done from a card, not a bank. Because I like the cashback. So the cr...
by RudyS
Thu Apr 26, 2018 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: When the market crashes...
Replies: 25
Views: 3378

Re: When the market crashes...

First, most 401(k) plans have an investment option similar to a money market fund. So you don’t need to avoid your 401(k) — or IRA — if you want to invest in a cash equivalent. Second, if you buy shares of stock after the market crashes, you are buying at sale prices. You get more shares for your d...
by RudyS
Tue Apr 24, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: What happens when you speak in TICKER language.
Replies: 139
Views: 12448

Re: A Rant about Ticker Speak

In most print media it is practice to spell out the name of any company, fund, group, etc., the first time it is used, then provide the shorthand. My opinion - if it's worth posting, it's worth posting in a format that can be understood by most readers.
by RudyS
Mon Apr 23, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Surveys
Replies: 44
Views: 2360

Re: Emailed Vanguard Survey from "GfK". Possible spam or phishing?

Call Vanguard. If they agree the link is legitimate, then feel free to do the survey. Otherwise, do NOT click on links that you aren't sure where they lead.
by RudyS
Mon Apr 23, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: [How do I send my Qualified Charitable Distribution to a charity]?
Replies: 12
Views: 549

Re: [How do I send my Qualified Charitable Distribution to a charity]?

Thank you so much for your reply. I re-read the original thread and I see where the RMD/QCD issue was thoroughly discussed. When I first read the thread, my biggest concern was with writing the checks myself. I see now that this is the best option to make sure the donation is sent, and cashed, in a...
by RudyS
Sun Apr 22, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Prepping My Snowblower for Off-Season
Replies: 11
Views: 1075

Re: Prepping My Snowblower for Off-Season

For my lawn mower: I used to do the "run it dry" thing, but about 10 years ago stopped. Now I put extra dose of Stabil in the can a few months before Fall, and just use the gas . End of season, leave it. Always started fine next spring. But any remaining gas in the can goes into the car. Also, when ...
by RudyS
Sun Apr 22, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: [How do I send my Qualified Charitable Distribution to a charity]?
Replies: 12
Views: 549

Re: [How do I send my Qualified Charitable Distribution to a charity]?

There was discussion on this in the original thread. You can request Vanguard to make the distribution, or if you have check writing in your IRA, you can write a check directly to the charity.
by RudyS
Sat Apr 21, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Updated w2 from 2013-2017
Replies: 6
Views: 653

Re: Updated w2 from 2013-2017

If you got the money this year, I don't see why W-2's would/could be created for earlier years. Presumably the original W-2's reflected the actual pay received. Considering the amount involved, I would be inclined to see what the IRS does. Hopefully you have copies of the original W-2's. Also, I thi...
by RudyS
Sat Apr 21, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Medical alert "button"
Replies: 34
Views: 1977

Re: Medical alert "button"

In our town, you can provide a list of data and contact info to the 911 service. Among the obvious other things is the opportunity to identify where a key is available (neighbor, hidden, etc) so they don't have to break in. My key is NOT under the door mat or in a flower pot.
by RudyS
Sat Apr 21, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11442

Re: Quitting job - what to do if getting walked to the door

For those wondering what happened - Husband turned in two-week notice. As of now, he expects to work the two weeks, according to his supervisor's wishes (not necessarily my husband's). We're prepared for another decision higher up management chain, so we've used up flexible spending account, squeez...