Search found 110 matches

by Ruger
Tue Oct 17, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Honest Contractor Reviews
Replies: 10
Views: 561

Re: Honest Contractor Reviews

Check with your state's contracting board. I always look at their website to make sure the contractor is still licensed and bonded, and to check for a history of complaints.
by Ruger
Tue Oct 17, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 26
Views: 2020

Re: How do you outfit your feet?

two pairs of sneakers
two pairs black clogs (one pair I currently wear, the other is the back up pair for when the first finally wear out)
pair of slippers
pair of black boots
pair of water proof boots for working on the property
by Ruger
Tue Oct 17, 2017 1:39 am
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 18
Views: 2466

Re: Roofer stopped showing up - what are my options?

Before you hire a contractor, I would go to your state's contractor board and check out that he is still licensed and bonded and that there are no complaints against him.
by Ruger
Tue Oct 17, 2017 1:19 am
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 11
Views: 642

Re: Experience with "mini-monovision" cataract implants?

I also wear a monovision contact and love it. I can see fore ever in the distance but not up close. So I wear a reading power in my non-dominant eye. Took about a week to get used to, but some people take longer and others never adjust. I would recommend trying it with contacts first. Monovision gen...
by Ruger
Sun Oct 15, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: So I did this...Capital One Money Market $200 bonus
Replies: 11
Views: 1020

Re: So I did this...Capital One Money Market $200 bonus

I took advantage of this deal a few months ago. I transferred money that was sitting in an account earning almost nothing. The $200 bonus was paid in a timely manner, and I'm happy with the deal.
by Ruger
Sun Oct 15, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 116
Views: 5455

Re: What are you driving? And would you buy your current ride again?

I have a 2015 Camry XLE which replaced my 1999 Camry XLE.
I liked my 1999 so much I replaced it with the same when the time came.
If I ever purchase another car and they still make the Camry, it will be my next purchase.
by Ruger
Sat Oct 14, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5216

Re: What do you buy in Asian food stores?

A salad dressing called Feast from the East. I haven't been able to find it anywhere else.
by Ruger
Fri Oct 13, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 86
Views: 4716

Re: How many miles/years do you keep your car?

I buy new and drive them until they are no longer reliable and it makes no sense to dump money into them. I purchased a new 1999 Camry and drove it until 2015, when it had 321,000 miles on it. It still ran but since I was driving a long distance each way to work, on back country roads, at night, I d...
by Ruger
Wed Oct 11, 2017 2:51 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 86
Views: 9323

Re: 2018 ACA costs arrived

My premium is going up 32% for a new plan that is not as good as the previous one I had.
I don't know why they call it the "Affordable" Care Act when it's not exactly affordable.
by Ruger
Mon Oct 09, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4776

Re: Is there boglehead consensus on buying a car?

My opinion: if you're buying something like civic, buy it new (or really old if you like a beater). I doesn't pay to buy a 2 year old civic or Accord because they hold a lot of their value. I agree with this. When I bought my car, I was still working and it was important to get something reliable (...
by Ruger
Sun Oct 08, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Change for a $20 requires ID!!
Replies: 22
Views: 2271

Re: Change for a $20 requires ID!!

My understanding is that the $20 is the one most often counterfeited, so I guess they are being overly cautious.
by Ruger
Fri Oct 06, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 7370

Re: How useful is a home security system?

We have Zombie Bars up, AKA Burglar Bars....on all windows Have Hardened doors. Anyone getting in will take some time and make a helluva racket doing it.....loud enough to wake your slumbering son.... We live in Texas - Thank God... We don't dial 911 http://i.imgur.com/WJMUKxY.png I don't have burg...
by Ruger
Thu Oct 05, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3955

Re: Retirees, how and how much do you pay for health insurance?

I pay $355 a month for a Silver Plan through ACA. Fortunately I am healthy and other than annual stuff (which is covered in full) I haven't had to use it. Just notified my plan is changing in January and premium going up to $469. I'll move onto Medicare in two years and will evaluate what coverage I...
by Ruger
Wed Oct 04, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1220

Re: Dish network

I've had both Dish and Direct and didn't see any difference between them. During heavy rain downpours and snow the signal would sometimes be lost. But that seldom happens and I have been happy with both. I currently have Direct and called them up to cancel and move to Dish because it was much cheape...
by Ruger
Wed Oct 04, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Financial arrangement for in-laws in guest house
Replies: 13
Views: 1150

Re: Financial arrangement for in-laws in guest house

Thanks everyone for the thoughtful replies, I love this forum! I think I was probably over thinking this. Based on suggestions here, talked it over with my wife. We will proceed as several have suggested. They live there as our guests. If they feel the need to pay us back in some way, they can gift...
by Ruger
Mon Oct 02, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Budgets: how do you track irregular income and expenses
Replies: 35
Views: 2354

Re: Budgets: how do you track irregular income and expenses

I take irregular expenses and average them over twelve months. When I fill my oil tank, pay membership dues, pay car insurance, property taxes, etc, I divide by twelve and spread the expense over the year. If I have irregular income, I count it in the month I get it. But since I seldom have irregula...
by Ruger
Mon Oct 02, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Asked to pay now for settled Health insurance claims from past year
Replies: 11
Views: 1691

Re: Asked to pay now for settled Health insurance claims from past year

First off, have you paid the provider? If not, that is the first thing I would do. That is the last thing I would do, assuming you're referring to the unjustified bills. Then once things get straightened out, the OP has to go through getting that money back. Instead, I would tell the billing office...
by Ruger
Mon Oct 02, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)
Replies: 22
Views: 2439

Re: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)

Read about this at a different forum and just ordered one. My old crock pot needs replacing and I like the idea that this can serve multiple purposes.
by Ruger
Mon Oct 02, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)
Replies: 22
Views: 2439

Re: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)

Read about this at a different forum and just ordered one. My old crock pot needs replacing and I like the idea that this can serve multiple purposes.
by Ruger
Mon Oct 02, 2017 1:43 am
Forum: Personal Consumer Issues
Topic: Asked to pay now for settled Health insurance claims from past year
Replies: 11
Views: 1691

Re: Asked to pay now for settled Health insurance claims from past year

First off, have you paid the provider? If not, that is the first thing I would do.
by Ruger
Sun Oct 01, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7351

Re: What will happen if I refuse to pay a medical bill?

I had this happen to me two years ago. I asked several times if they took my insurance and they told me yes. I had an office visit and lab work, then got billed because although they took my insurance, they were not providers on my particular plan. I should have called the insurance company to check...
by Ruger
Wed Sep 27, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Survivor Benefits
Replies: 21
Views: 3699

Re: Social Security Survivor Benefits

too analytical wrote:
Thu Feb 03, 2011 11:47 am
Widow is 64 with good work history.
Husband died in 2002 with good work history.

Can the widow collect survivor benefits until age 70 then switch to her own benefit if it is higher?
Yes. I am currently collecting survivor's benefits and will switch to my own, higher benefit when I turn 70.
by Ruger
Wed Sep 27, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4453

Re: $700 to install a dishwasher seem by a plumber?!

I have replaced dishwashers in rental condos, and they too required licensed plumbers do the job. I bought the dishwashers from Home Depot, they installed the new ones and took away the old ones for roughly $150. I never inquired if they used "licensed plumbers". I never even advised the condo board...
by Ruger
Wed Sep 27, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Survivor Benefits
Replies: 21
Views: 3699

Re: Social Security Survivor Benefits

Wife passed away at age 61. Father currently age 63. He has the higher RIB. He has just retired. I believe he can claim survivor benefits now at a reduced amt, then claim on his own record at FRA? Either way, I believe he is eligible for survivor benefits, and claiming them before his fra Will not ...
by Ruger
Wed Sep 27, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6352

Re: I'm shocked!

I went through this recently with my mother. Found out she was paying obscene fees at Eddie Jones, but she trusted her advisor, she made money, and had more than enough to live on. Her deceased husband was a CPA and had set everything up financially wise and she also trusted what he had done. It was...
by Ruger
Wed Sep 27, 2017 3:15 am
Forum: Personal Finance (Not Investing)
Topic: Social security for a recent widow
Replies: 4
Views: 407

Re: Social security for a recent widow

Condolences on the loss of your father.
by Ruger
Tue Sep 26, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10241

Re: Retirees, what is your marginal tax rate?

The final gotcha is the premium is based on your income from 2 years prior. Meaning when it hits you it's probably way too late for you to do anything to change it. At least I couldn't undo my Roth conversion that pushed me slightly over. :oops: JW Thanks, I wasn't aware of that. Given that my inco...
by Ruger
Tue Sep 26, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10241

Re: Retirees, what is your marginal tax rate?

The final gotcha is the premium is based on your income from 2 years prior. Meaning when it hits you it's probably way too late for you to do anything to change it. At least I couldn't undo my Roth conversion that pushed me slightly over. :oops: JW Thanks, I wasn't aware of that. Given that my inco...
by Ruger
Mon Sep 25, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Is a Roth conversion worthwhile?
Replies: 11
Views: 1287

Re: Is a Roth conversion worthwhile?

... have $1.1 million in taxable Ira accounts. ... I am single. ... I figure I can convert approximately $30,000 a year ... until a 25% rate. Which means I could only convert $150,000 before I reach RMD ... So my question is, is it worth while to convert such a small amount of my IRAs to Roths? As ...
by Ruger
Sun Sep 24, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Roth conversion worthwhile?
Replies: 11
Views: 1287

Re: Is a Roth conversion worthwhile?

Here is another thing I was not aware of....since my income basically pencils out to next to nothing, doing a Roth conversion before I go onto Medicare could increase my premiums: The final gotcha is the premium is based on your income from 2 years prior. Meaning when it hits you it's probably way t...
by Ruger
Sun Sep 24, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10241

Re: Retirees, what is your marginal tax rate?

Retired a few years ago. Last year I paid 0% in income taxes for the first time since I started working many years ago. I didn't even have to file. What a wonderful feeling! I'm in the same boat-amazing not to be paying quarterly taxes any more. I still have to file because I'm on ACA, but it's oh ...
by Ruger
Sun Sep 24, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10241

Re: Retirees, what is your marginal tax rate?

The final gotcha is the premium is based on your income from 2 years prior. Meaning when it hits you it's probably way too late for you to do anything to change it. At least I couldn't undo my Roth conversion that pushed me slightly over. :oops: JW Thanks, I wasn't aware of that. Given that my inco...
by Ruger
Sun Sep 24, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Roth conversion worthwhile?
Replies: 11
Views: 1287

Re: Is a Roth conversion worthwhile?

For me, the main benefits of converting are: 1) eliminating RMDs, 2) converting at low rates vs. withdrawing at higher rates, 3) diversifying tax liability, 4) reducing size of my estate; and 5) allowing my heirs to stretch tax-free. I have other assets that are producing increasing income, ie rent...
by Ruger
Sun Sep 24, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Roth conversion worthwhile?
Replies: 11
Views: 1287

Re: Is a Roth conversion worthwhile?

Curmudgeon's advice is good. That aside, do you expect to spend down the potential Roth conversion money during your lifespan? If yes, then it makes sense to withdraw it at a lower tax rate (your 15% period). If no, then the main benefit of converting goes to your heirs. Nothing wrong with that, bu...
by Ruger
Sun Sep 24, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Roth conversion worthwhile?
Replies: 11
Views: 1287

Re: Is a Roth conversion worthwhile?

You should also look at taxation of Social Security benefits, which can cause a significant higher bump in effective marginal rates (especially as you get older and RMDs increase). Some people will stay comfortably under the SS "hump", while others will be well over it. If you might be in or near t...
by Ruger
Sun Sep 24, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Roth conversion worthwhile?
Replies: 11
Views: 1287

Is a Roth conversion worthwhile?

I am currently 63 and have $1.1 million in taxable Ira accounts. I have a small Roth account. I am single. I am on ACA and will be for another 2 years until I reach Medicare age, assuming ACA is still around. I've been thinking about doing Roth conversions but am wondering if it makes any financial ...
by Ruger
Sun Sep 24, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8318

Re: Where do you get your news?

Tycoon wrote:
Sun Sep 24, 2017 11:30 am
From neighbors.
That's called "gossip", lol. :D
by Ruger
Sun Sep 24, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8318

Re: Where do you get your news?

Exclusively on line. I haven't read a newspaper or watched network news in years.
by Ruger
Sat Sep 23, 2017 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8228

Re: Age you retired

61.5 years old.
I constantly have people asking me to work part time for them, but so far I have had absolutely no interest in doing so.
by Ruger
Sat Sep 23, 2017 11:21 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10241

Re: Retirees, what is your marginal tax rate?

I don't know if you are overlooking anything, but when you do start converting, be careful you don't convert enough to put yourself in a higher tier for what you pay for Medicare Part B and D (I think). This limit may be less than your next higher tax bracket. Look up IRMAA limits so you don't conv...
by Ruger
Sat Sep 23, 2017 6:30 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10241

Re: Retirees, what is your marginal tax rate?

I don't know if you are overlooking anything, but when you do start converting, be careful you don't convert enough to put yourself in a higher tier for what you pay for Medicare Part B and D (I think). This limit may be less than your next higher tax bracket. Look up IRMAA limits so you don't conv...
by Ruger
Sat Sep 23, 2017 6:18 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10241

Re: Retirees, what is your marginal tax rate?

0% Federal Almost 0% state (I did have to pay $1.00 last year) :happy Not expecting it to change until I start taking RMD when I turn 70, still 7 years away. Have you considered doing modest Roth conversions over the next several years? I have, but it would probably mean losing my ACA subsidies. Tw...
by Ruger
Sat Sep 23, 2017 5:42 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10241

Re: Retirees, what is your marginal tax rate?

0% Federal
Almost 0% state (I did have to pay $1.00 last year) :happy

Not expecting it to change until I start taking RMD when I turn 70, still 7 years away.
by Ruger
Fri Sep 15, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Flex steel,mLazy Boy,or other sectional?
Replies: 10
Views: 605

Re: Flex steel,mLazy Boy,or other sectional?

I purchased three pieces of FlexSteel in 2002 and they are still as comfortable now as when I bought them.
Yes, they were expensive, but they are of very high quality. I've never had an issue with any of them.
by Ruger
Thu Sep 14, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2297

Re: Questions about home purchase in a 55+ community?

I don't know how they can tell you that the association fees won't go up for the next 10-12 years.
Expenses go up, and so will the fees.
by Ruger
Thu Sep 14, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Name Change as a way to Protect Against Identity Theft
Replies: 16
Views: 1381

Re: Name Change as a way to Protect Against Identity Theft

I'd be interested to know--perhaps from people who changed their name, how difficult is it? It's easy. I changed mine 20 years ago. Bought a legal form from a stationary store, filled it out, called the courthouse and made an appointment to see the judge. It ended up I didn't even need to see him, ...
by Ruger
Wed Sep 13, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 350
Views: 39473

Re: Flaunt Your High-Mileage Car

1999 Camry purchased new, has 321,000+ miles on it. Still own it but seldom drive it....probably will be selling it soon.
by Ruger
Tue Sep 12, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Brother in College Co-Signing w/ Buddy for Duplex
Replies: 41
Views: 2992

Re: Brother in College Co-Signing w/ Buddy for Duplex

Absolutely not....for all the reasons already mentioned. He needs to be absolutely sure what rent he can get....."guessing" and "thinking" aren't sufficient. It may be less than what he thinks, and then the income would be even less than he has calculated. For $250 a month, I would invest in somethi...
by Ruger
Tue Sep 12, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18230

Re: Is it really Worth it to brown bag your lunch at work?

Not only is it cheaper, it's much healthier for you.
by Ruger
Tue Sep 12, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10650

Re: The 10 year car ownership "rule"

I generally buy new and am one of the ones that drive them into the ground. I don't relate how long I keep it to how much I paid for it...I will drive them until they are either no longer safe or no longer mechanically sound. I purchased a 1999 Camry new, which I still occasionally drive, it has 321...