Search found 655 matches

by RudyS
Sun Aug 20, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: Irrational Despair?
Replies: 33
Views: 4313

Re: Irrational Despair?

Major problem with selling, is knowing when to get back in. That cycle requires TWO correct decisions.
by RudyS
Sun Aug 20, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Selling on Ebay - one time event
Replies: 4
Views: 455

Re: Selling on Ebay - one time event

Adding to that: eBay charges commission on the amount buyer pays for shipping as well. Important to remember if shipping is a significant part of what buyer pays. Be sure that you have really good pictures and a very complete description. Be conservative. You don't want disappointed buyers.
by RudyS
Sun Aug 20, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Wine pairing
Replies: 6
Views: 462

Re: Wine pairing

I am a Google addict; for what it's worth, here are some thoughts: A Few Successful Pairings Milk chocolate with sweet Riesling or dessert wines. Dark chocolate with Merlot or Petit Syrah. Dark semisweet chocolate with Merlot or Pinot Noir. Dark bittersweet chocolate with Cabernet Sauvignon or Zinfa...
by RudyS
Sun Aug 20, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 33
Views: 1322

Re: Safe car for wife and baby

Our 2015 Subaru Outback has all sorts of driver aids: rear camera, cross-traffic alert, lane departure alert, automatic braking, etc. I found those to have been useful. (All newer cars have rear camera now). Note, the Outback is technically a station wagon, not an SUV. In snow country I would think ...
by RudyS
Sun Aug 20, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: I own no international stocks. Can you guess why?
Replies: 108
Views: 5241

Re: I own no international stocks. Can you guess why?

alwayshedge wrote:
Sun Aug 20, 2017 10:47 am
Our globally oriented domestic corporations already provide enough diversification.
My thought too.
by RudyS
Sat Aug 19, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Frozen steaks ordered through the mail
Replies: 20
Views: 2063

Re: Frozen steaks ordered through the mail

QVC has some good deals from time to time. Pretty good meat.
by RudyS
Fri Aug 18, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: WOW Airlines
Replies: 6
Views: 1063

Re: WOW Airlines

It is the low-cost arm of IcelandAir. People like their low fares. Can't add anything else.

Correction - WOW is a competitor to IcelandAir. Thanks, Travelgeek
by RudyS
Thu Aug 17, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3107

Re: How long to keep IRA records and how to take distributions

I've looked in IRS Pub 552, and searched BH. But I'm still unsure about throwing away records from IRAs dating back 25 years. Several transfers from one custodian to another. NO after-tax contributions, hence no 8606's. Since any distributions are now taxable, what can I lose by not keeping these a...
by RudyS
Wed Aug 16, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Anyone have a personal chef?
Replies: 48
Views: 4163

Re: Anyone have a personal chef?

Tycoon wrote:
Wed Aug 16, 2017 8:30 pm
Yes, as a matter of fact I do. She controls my diet, measures my food intake, and generally cooks me a delicious variety of healthy dishs. I want for nothing. She sleeps with me too.
Lucky guy! My housekeeper does that for me too!
by RudyS
Wed Aug 16, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Bond - Should I sell?
Replies: 13
Views: 1160

Re: Inherited Bond - Should I sell?

Happened to me too. Inherited 10 munis, $5K each, about 3 years ago. 5 of them got called already. I'm just letting the rest sit; same thing will probably happen to them sooner or later. No effort to have them just show up on my statements.
by RudyS
Wed Aug 16, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Travelers Checks Question
Replies: 6
Views: 783

Re: Travelers Checks Question

Can the executor endorse them? If so just deposit into a bank account. Deceased Person's Unused Travelers Checks In the event you possess travelers checks that belonged to a person now deceased, store the serial numbers in a safe place and give them to the estate executor for deposit. A surviving s...
by RudyS
Wed Aug 16, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Car Rental on Current Car Insurance Policy?
Replies: 16
Views: 1165

Re: Car Rental on Current Car Insurance Policy?

My insurance premium for car rental would be high enough that I "self-insure." Last time I had a car in the shop, they gave me a loaner.
by RudyS
Wed Aug 16, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: IRS Audit 2015 1099 MISC
Replies: 11
Views: 1394

Re: IRS Audit 2015 1099 MISC

You are exactly right Rudy and it is the position I always present and take when preparing tax returns. Very clearly spelled out in Pub 17, page 186 and supporting referenced sections and pages. Publication 17 has always been my go-to resource ever since I started doing my taxes many many years ago...
by RudyS
Tue Aug 15, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Audit 2015 1099 MISC
Replies: 11
Views: 1394

Re: IRS Audit 2015 1099 MISC

I respectfully disagree with the statement you can claim mileage for going to and from your coaching job (1099-MISC). I believe the IRS considers that as commuting to your job and commuting miles are not deductible. Depends on when OP does the coaching. If he goes there directly from his day job, t...
by RudyS
Tue Aug 15, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: How to get best deal on a rental car ?
Replies: 34
Views: 4024

Re: How to get best deal on a rental car ?

Another possibility is carrentals.com . Used it once without problems.
by RudyS
Mon Aug 14, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule A Tax Modeling for 2017 >age65
Replies: 9
Views: 733

Re: Schedule A Tax Modeling for 2017 >age65

Increase the projected medical expenses, so that the allowed deduction reflects 10% rather than 7.5%. Should be straightforward.
by RudyS
Mon Aug 14, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3107

Re: How long to keep IRA records?

I asked my CPA that question this year. He said since all my IRA contributions were taxed deferred, there was no need to keep the records, as I will pay tax on all withdrawals. This was my thinking, and it works for my situation, but the above posts point out that there might be state-specific inst...
by RudyS
Sun Aug 13, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 64
Views: 4968

Re: Where to buy glasses for eclipse viewing ?

Good idea to "test" them beforehand. You should NOT be able to see anything - no light bulbs, no headlights, etc. - OTHER than the sun itself! While this is true, it's incomplete and I don't recommend using a pair of glasses you aren't sure about on the basis of this test. The important trait of ec...
by RudyS
Sun Aug 13, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Heavy Duty Boxes for Long Term Permanent Storage
Replies: 20
Views: 1623

Re: Heavy Duty Boxes for Long Term Permanent Storage

If stuff is living in boxes for years, do you really want to keep it? This right here is the best advice/thought on the topic. There is really nothing ever worth keeping that long. If you don't need it, toss or sell it. I agree - 15 boxes in storage seems like a lot of stuff. I have 0 and I'm in my...
by RudyS
Sun Aug 13, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3107

Re: How long to keep IRA records?

I've looked in IRS Pub 552, and searched BH. But I'm still unsure about throwing away records from IRAs dating back 25 years. Several transfers from one custodian to another. NO after-tax contributions, hence no 8606's. Since any distributions are now taxable, what can I lose by not keeping these a...
by RudyS
Sun Aug 13, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3107

Re: How long to keep IRA records?

My question was sort of based on "what could go wrong if I didn't have those statements." I haven't made any contributions for 15 years, so any question about contributions is beyond the time limit. All contributions were before taxes, so they are fully taxable when I withdraw them. While the conve...
by RudyS
Sun Aug 13, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 64
Views: 4968

Re: Where to buy glasses for eclipse viewing ?

Good idea to "test" them beforehand. You should NOT be able to see anything - no light bulbs, no headlights, etc. - OTHER than the sun itself!
by RudyS
Sun Aug 13, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3107

Re: How long to keep IRA records?

My question was sort of based on "what could go wrong if I didn't have those statements." I haven't made any contributions for 15 years, so any question about contributions is beyond the time limit. All contributions were before taxes, so they are fully taxable when I withdraw them. While the conven...
by RudyS
Sun Aug 13, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: How long to keep IRA records?
Replies: 54
Views: 3107

How long to keep IRA records?

I've looked in IRS Pub 552, and searched BH. But I'm still unsure about throwing away records from IRAs dating back 25 years. Several transfers from one custodian to another. NO after-tax contributions, hence no 8606's. Since any distributions are now taxable, what can I lose by not keeping these an...
by RudyS
Sun Aug 13, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2495

Re: Trip Cancellation Insurance.

.... I agree that if you're going to mainland Europe or traveling around the states, most people can do without travel insurance or rely on their credit card. But if you're going to the Pitcairn Islands, you may want to consider it. Actually, if you're going to Pitcairn and you get seriously ill, y...
by RudyS
Sat Aug 12, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Contractor job - what type of entity?
Replies: 12
Views: 751

Re: Contractor job - what type of entity?

The company appears to want there to an entity rather than an individual. I believe that this income and expenses should be reported on Schedule C, self employment income, rather than A. It is indeed easy to set up an LLC yourself with minimal trouble and cost, I've done that myself.
by RudyS
Sat Aug 12, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Contractor job - what type of entity?
Replies: 12
Views: 751

Re: Contractor job - what type of entity?

Here's a recent thread. Maybe more info than you need/want, but you can look at this while waiting for more replies.
viewtopic.php?f=2&t=223114&p=3449893&hi ... p#p3449893
by RudyS
Fri Aug 11, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Computerized car maintainance records or service history?
Replies: 5
Views: 545

Re: Computerized car maintainance records or service history?

If you can access the records without paying, just check some out and see what kind of places are listed. Of course your "sample" MIGHT only include cars serviced only at the dealer, so nothing to learn there.
by RudyS
Fri Aug 11, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: "Why do you want to come here?" Hiring Manager Question
Replies: 10
Views: 1438

Re: "Why do you want to come here?" Hiring Manager Question

Sounds familiar! I'm a big city boy, interviewed at a corporation in a fairly small town. While I was never asked that question, I have heard that it was an issue that was discussed when the hiring committee had to decide whether to make me an offer. Seems they were thinking I'd be unhappy and leave...
by RudyS
Fri Aug 11, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling guilty about travel expenses
Replies: 25
Views: 3034

Re: Feeling guilty about travel expenses

What's done is done. Now enjoy the trip, stop worrying about the money. But then, you ought to change your spending, and your trip budget, to take care of your future needs. Lots of comments on that aspect already. Bon Voyage!
by RudyS
Thu Aug 10, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7382

Re: Aug. 2017 US total eclipse hotel reservations.

Fill your gas tank early!
by RudyS
Thu Aug 10, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Advice on picking a dentist
Replies: 19
Views: 1602

Re: Advice on picking a dentist

What I have done whenever we moved to a new city, was ask my new co-workers for their experiences. Has worked for me and DW.
by RudyS
Thu Aug 10, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Trip Cancellation Insurance.
Replies: 37
Views: 2495

Re: Trip Cancellation Insurance.

How much of the trip is not refundable? What is the cancellation penalty on the rental? Air fare might offer change for a couple hundred dollars. I'd try to calculate what exactly I'm insuring against and balance against the premium.
by RudyS
Mon Aug 07, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3718

Re: Boston to Maine road trip

Ok.An update.Flight wise and rental care wise,our cheapest option along with flight times is to fly into Boston and fly home from Manchester.Saves almost 200 bucks on the rental car for some odd reason and the flights are better.Seems reasonable from a start and end point? We like Manchester airpor...
by RudyS
Mon Aug 07, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5727

Re: Delta priority boarding - first timer

Different strokes for different folks. For me, boarding order isn't the big deal, that 3 or 4 inches of extra leg room in Delta Comfort+ (which comes with priority boarding and free drinks) is the big deal. Early boarding so my carryon bags are in a bin near me, is just a fringe benefit.
by RudyS
Mon Aug 07, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: beneficiaries
Replies: 14
Views: 1206

Re: beneficiaries

Details of beneficiaries vary between Fido and VG. VG will not let you name a secondary beneficiary for a joint account! So if both account holders die at (about) the same time, the account goes to the ESTATE. This was not always the case, but VG made this change some time ago, claiming people got c...
by RudyS
Sun Aug 06, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: knee replacement and air travel screening
Replies: 11
Views: 1181

Re: knee replacement and air travel screening

Many hips will be titanium alloys or pure titanium and ceramics. Some will have a cobalt chrome head. Depending on the manufacturer, knees will be cobalt chrome. Some use a titanium alloy tibial baseplate. However, ask your surgeon for an implant id card. Most major companies offer them. DW's surge...
by RudyS
Sat Aug 05, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: knee replacement and air travel screening
Replies: 11
Views: 1181

Re: knee replacement and air travel screening

Knees might differ from hips, but my wife and her new hip can pass the normal magnetometer without being challenged. Seems odd, but that's been the case in several airports. First she announced it,and they sent her through the scanner. That created a problem due to surgical mesh from another surgery...
by RudyS
Sat Aug 05, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Townhome or condo?
Replies: 29
Views: 2221

Re: Townhome or condo?

You said there might be kids. I'd rethink the school situation. You asked about the financial perspective, then think of resale if the schools aren't that good.
by RudyS
Sat Aug 05, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 5727

Re: Delta priority boarding - first timer

We always get priority boarding with Delta and we hardly ever use it. I'm a silver medallion member from my Delta Amex. However, since they offer 2 free checked bags for both me and my wife, we simply check everything except my camera bag which fits under the seat in front of me. So, when they call...
by RudyS
Thu Aug 03, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Buy EZ Pass transponder for road trip?
Replies: 45
Views: 2643

Re: Buy EZ Pass transponder for road trip?

By all means do it. Buy in advance for least hassle. You do need to register a license plate with the transponder, but easy to change on line. I have EZ pass, it's on my daughter's account. You can have several transponders per account (MA anyway.) I know MA gives you lower prices with MA-registered...
by RudyS
Wed Aug 02, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Auto Battery
Replies: 29
Views: 2332

Re: Auto Battery

so are batteries sold by auto dealers the same ones that come in the car when new? am wondering if it would be better to replace dead battery with new one from dealer versus from another source? does anyone have experience replacing dead battery with battery from the dealer and the replacement batt...
by RudyS
Mon Jul 31, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Credit recommendations from Credit Karma?
Replies: 7
Views: 640

Re: Credit recommendations from Credit Karma?

It is an very well known fact that they are totally unreliable . Ignore them completely. They do get a kickback from the CCCs so they have an incentive to encourage traffic. CK is good for giving an easy way to view a summary of 2 credit reports. The scores are pretty useless, and the rest of the w...
by RudyS
Sun Jul 30, 2017 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 35
Views: 4299

Re: Good Service for Flagship Investors

1210, I do about 8 QCDs each year. My flagship rep has been very helpful in completing these. I make an online appointment for him to call me. A couple of days ahead of the call I send him an email with a list with the name of the charitable organizations and their QCD amount and the name and fund ...
by RudyS
Sun Jul 30, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Medicare Part D: Silverscript Choice vs Plus Plan
Replies: 3
Views: 440

Re: Medicare Part D: Silverscript Choice vs Plus Plan

The way I made this decision, and it works for all insurance (available in your area) that offers choice versus plus or the equivalent: Go to the medicare.gov website. It has a calculator where you input your ongoing prescriptions. The calculator will give you the total cost for your situation. IIRC...
by RudyS
Sat Jul 29, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8040

Re: Should you wait until the due date to pay credit card balance?

My Credit Card bill is the one thing I do NOT have on auto-pay. What if there is a fraudulent $15,000 charge the day before the bill is due and I don't catch it? By having to log in at least once a month to schedule the payment forces me to take a look across the charges to make sure nothing is ami...
by RudyS
Sat Jul 15, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Time replace washer and dryer [back of dryer so hot it burnt me]?
Replies: 21
Views: 1556

Re: When to replace washer and dryer?

Check this out: http://answers.angieslist.com/The-back- ... 84180.aspx

Seems close to your situation, but not as bad. MIGHT be that some insulation (if there was any) between the heater element and the exterior of the dryer has deteriorated over the years.
by RudyS
Sat Jul 15, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is new car replacement insurance worth it?
Replies: 33
Views: 2110

Re: Is new car replacement insurance worth it?

I almost always decline extended warranty for appliances, etc., on the premise that if it pays "them" to sell it, it pays me not to buy it. There are rare exceptions. But in this case, there is an emotional component to the decision. Many ramifications have already been discussed upthread....
by RudyS
Fri Jul 14, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Work Discount Stock Purchase Plan - When to Sell
Replies: 15
Views: 807

Re: Work Discount Stock Purchase Plan - When to Sell

I worked for megacorp in a small town. I always sold ASAP because of the risk that if things turned bad for the company, I would be out of work, lose my investment, and be unable to sell my house (for a reasonable price). In retrospect, none of those events happened, and I left a lot of money on the...