Search found 161 matches

by Timoneer
Tue Mar 07, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Can a cordless Reciprocating Saw do the job of a small chainsaw?
Replies: 30
Views: 1930

Re: Can a cordless Reciprocating Saw do the job of a small chainsaw?

Last year I purchased the Ryobi electric pole chainsaw for just these types of tasks. There are both corded and 18v Lithium battery models. It works very well for small jobs. The reciprocating saw would probably be ok, but the pole saw allows me to cut branches 15' up while standing safely on the gr...
by Timoneer
Fri Feb 24, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Rebalance
Replies: 7
Views: 534

Re: TIAA Rebalance

alright, thanks for all the feedback everyone! I'll continue doing research and call them. They certainly didn't make this simple! There was a time decades ago when it was simple. An annuity was just about the only way to get money out of the TIAA Traditional Fund. Gradually more withdrawal options...
by Timoneer
Fri Feb 24, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Rebalance
Replies: 7
Views: 534

Re: TIAA Rebalance

I am curious if a rebalance into the guaranteed portion to give them more of a 50/50 AA would lock them in somehow and prevent them from annuitizing from TIAA-CREF directly in a couple years. I understand the RA/GRA/RC have some restrictions on withdrawals (10 years) but does that include taking a ...
by Timoneer
Tue Feb 21, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Do you replace your electrical switches/outlets or use an electrician?
Replies: 93
Views: 5932

Re: Do you replace your electrical switches/outlets or use an electrician?

...shape the end of the wire into a 'C' shape, the top of the 'C' needs to be pointing in a clockwise direction and the screw needs to be tight. This is probably the hardest physical part of replacing a switch or outlet, but there is an alternative method of hooking up the wires. Most switches and ...
by Timoneer
Thu Feb 09, 2017 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Converting Roth to Traditional IRA?
Replies: 16
Views: 851

Re: Converting Roth to Traditional IRA?

I'm using Turbotax online and it looks like our taxable income is about $1000 into the 25% tax bracket (over $75,300 married filing jointly). About 1/3 of our income is from capital gains and dividendeds this year. Playing with the numbers on Turbotax shows our tax liability going up around $300 ( ...
by Timoneer
Sun Feb 05, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security: Wife's benefit is 50% of husband's FRA?
Replies: 14
Views: 1836

Re: Social Security: Wife's benefit is 50% of husband's FRA?

So the max 50% spouse benefit any spouse alive today is receiving is ~$1325 , even if the husband waited until he's 70 to get the max of ~$3600? Or are some spouses this year are receiving a 50% benefit of ~$1800, whose husbands are receiving this year's max of ~3600/mo? A related point that has no...
by Timoneer
Sat Jan 28, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 2692

Re: Fire extinguishers

Two in the kitchen. One is a rather small wall mounted unit that could be useful for a small stove top fire, the other a regular size unit for something more serious.

A larger extinguisher is at the top of the basement stairs, easily grabbed for use in either the basement or first floor.
by Timoneer
Thu Jan 26, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Recommendations near Mandalay Bay Convention Center
Replies: 26
Views: 1571

Re: Recommendations near Mandalay Bay Convention Center

Easy Rhino wrote:If you're really on a budget then maybe Tropicana across the street. (never actually stayed there)


The Tropicana is actually closer to the tram than either MGM or NYNY.
by Timoneer
Thu Jan 19, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion taxes due?
Replies: 8
Views: 1126

Re: Roth Conversion taxes due?

I got my broker’s 5498 and 1099 forms today and the numbers were not what I expected. As an example, let’s say that I could only afford to convert $10,000 and stay within my tax bracket or whatever else was the reason for that number. So, I ran a Roth Conversion Horse Race and converted $10,000 of ...
by Timoneer
Thu Jan 19, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Help-Don't understand my mom's TIAA RMD
Replies: 9
Views: 1044

Re: Help-Don't understand my mom's TIAA RMD

My dad died last year so this is the first year we are dealing with anything. My dad had 600k in a TIAA-CREF taking required minimum distributions but we didn't know how much. Edit-just discovered he got 45k last year from this. Which I higher than I thought it would be but looks correct based on a...
by Timoneer
Wed Jan 18, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question. Parents claim my brother or I claim my brother?
Replies: 26
Views: 1352

Re: Tax Question. Parents claim my brother or I claim my brother?

I have somewhere around 65k in taxable income for the 2016 year (Give or take a few thousand). It looks like filing as Head of Household with a dependent instead of Single will drop you down from the 25% bracket to 15%. Which also means zero tax on any qualified dividends and long term capital gains.
by Timoneer
Wed Jan 18, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question. Parents claim my brother or I claim my brother?
Replies: 26
Views: 1352

Re: Tax Question. Parents claim my brother or I claim my brother?

The child hasn't lived with parents for more than half of the year though...see C-3 I think that is correct; your parents cannot claim him as a dependent because he did not live with them for at least six months, but you can. Even better news, I think that you can file as Head of Household rather t...
by Timoneer
Mon Nov 07, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: spousal social security application experiences
Replies: 10
Views: 1468

Re: spousal social security application experiences

DW applied for spousal SS benefits online about 2 weeks ago. It went relatively easily. She received a confirmation number and followup instructions essentially saying you can track it online after 5 business days and that she may be asked to send in her marriage license. Checking online returns th...
by Timoneer
Wed Sep 28, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: Remodel blunder: kitchen design flaw. What can I do now?
Replies: 43
Views: 5175

Re: Remodel blunter: kitchen design flaw. What can I do now?

We kept the old drop in sink. And the sink sits in the corner of the kitchen counter space. On one side is a dish washer and other side, cabinets with drawers. Plan B Lift off the sink. Working from above through the sink opening, attach long flexible supply lines to the shutoff valves. Attach othe...
by Timoneer
Tue Sep 06, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: Emergency radio with hand crank
Replies: 30
Views: 3098

Re: Emergency radio with hand crank

Can anyone recommend something that works well for them? A good cell phone plug in adapter for your car. :beer Related to this idea is to use portable jump start battery pack such as http://www.sears.com/diehard-portable-power-750/p-02871686000P?plpSellerId=Sears&prdNo=3&blockNo=3&block...
by Timoneer
Sat Aug 27, 2016 11:46 am
Forum: Personal Consumer Issues
Topic: Extension cord's amp and tools
Replies: 25
Views: 2036

Re: Extension cord's amp and tools

It melted inside the 3 holes and was bad enough where I had difficulty unplugging the trimmer. Once it was unplugged, the 2 prongs of the trimmer were covered with some plastic/rubber. Most likely, the only problem with your cord was with the contacts on the socket end. They can get corroded and pi...
by Timoneer
Wed Aug 17, 2016 12:41 pm
Forum: Investing - Theory, News & General
Topic: Why is Soros betting against the market (shorting SPY)?
Replies: 33
Views: 5649

Re: Why is Soros betting against the market (shorting SPY)?

Back in Feb 2014 I went to one of those financial planning with free dinner seminars. I know that many here disapprove, but I had an excellent lobster dinner at a very good restaurant. The pitch was fairly ho hum until the end when the speaker let drop the news that George Soros was selling out of A...
by Timoneer
Tue Aug 02, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Meeting with TIAA Advisor (questions we should ask)
Replies: 7
Views: 709

Re: Meeting with TIAA Advisor (questions we should ask)

My parents (in their early 80's) have asked me to join them at their next meeting with their TIAA advisor with the hope that I would see (and comment/ask questions) what is being done with their TIAA accounts. Most have been annuitized. I thought of a few questions to ask at the meeting and was hop...
by Timoneer
Tue Aug 02, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 101
Views: 12400

Re: Suckered into Marriott Kauai Timeshare Presentation

Hi all, ... 2) Has anyone stayed at this property? We are bringing a 4 and 3 year old with us and were wondering of the cool boglehead ways to save money, cool excursions, places to see, things to do. Anything is fair game. I am assuming that this is the vacation club on the same grounds as the Mar...
by Timoneer
Sun Jul 31, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Retaining wall on neighbor's property
Replies: 69
Views: 5612

Re: Retaining wall on neighbor's property

From what has been presented, I am on the neighbor's side. He has lived there for 20+ years, and has had issues with others infringing upon the property line. It appears that the previous owner had neglected the retaining wall allowing it to partially collapse over the line, which is well marked. I ...
by Timoneer
Sat Jul 30, 2016 8:19 am
Forum: Investing - Help with Personal Investments
Topic: How would you take annuity payments?
Replies: 9
Views: 1006

Re: How would you take annuity payments?

We stand to retire in the coming months and are searching for outside opinions on our annuity Our basic situation is as follows. ... SS in 3 yrs 20k/yr 17 yrs away from 2nd pension/SS ... What am I missing? A key bit of missing information is the age at which you plan to collect SS. I am guessing f...
by Timoneer
Thu Jul 28, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: DIY Undermount Sink Replacement
Replies: 18
Views: 1156

Re: DIY Undermount Sink Replacement

It might help your confidence to know that the sealant that you will be applying is only needed to protect against water from splashing. The water level in the sink should never get up to the top of the rim; that is what the overflow holes in the sink protect against.
by Timoneer
Thu Jul 28, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: DIY Undermount Sink Replacement
Replies: 18
Views: 1156

Re: DIY Undermount Sink Replacement

It will be a lot easier if you can first remove the vanity top and flip it over onto a convenient work surface.

Be careful with acetone; make sure it doesn't react badly with the material of the vanity top.
by Timoneer
Sun Jul 17, 2016 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Step Up Social Security Question
Replies: 46
Views: 3340

Re: Spousal Step Up Social Security Question

If he takes half of my mother's social security, does his social security benefit still grow 8% yearly until 70? Or is it reduced because he's taking half of my mother's? Yes, it is truly a free lunch. He gets a spousal benefit of $650/month (half of your mother's PIA), and at the same time is defe...
by Timoneer
Sat Jul 16, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Step Up Social Security Question
Replies: 46
Views: 3340

Re: Spousal Step Up Social Security Question

Thanks for the replies! Unfortunately, I don't think waiting until 70 is an option for my father so I am trying to work with them budgeting-wise to make sure they are set. I don't think that anyone has mentioned an additional option. At age 66, your father can file a restricted application for spou...
by Timoneer
Tue Jul 12, 2016 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 4670

Re: Do you have any retiree healthcare benefit from your employer?

After 65, a subsidy of about $1000/yr towards Medigap insurance. Same for my spouse.
by Timoneer
Sat Jul 02, 2016 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2785

Re: TIAA Real Estate vs. Vanguard REITS

Years ago before retirement I had a 403B in TIAA real estate. This did very well until real estate began to fall. By that time TIAA had already added REITs to their fund, which also enabled greater volatility. When I began to prepare for retirement, I rolled over this account to Vanguard where good...
by Timoneer
Mon Jun 20, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 162
Views: 14751

Re: IWC Watch, any thoughts?

...The point is to have an exquisitely crafted mechanical device with those capabilities. They care about the design and workmanship, not the functions themselves. As an engineer, design and workmanship have a strong appeal for me. I could see myself paying big bucks for a beautiful vintage or anti...
by Timoneer
Mon Jun 20, 2016 8:17 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 162
Views: 14751

Re: IWC Watch, any thoughts?

I see a market for a $25,000 Casio that costs $25 to make and $24,975 of the sale price goes to charity. It would be limited edition and the watch face would clearly show that you were a charitable player. Or imagine turning the clock back 50 years and revamping the entire marketing strategy. Seiko...
by Timoneer
Sun Jun 19, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 162
Views: 14751

Re: IWC Watch, any thoughts?

I looked for a watch that I liked. Could care less if anyone else likes it. And yet in your first post you wrote: My favorite watch is my Casio WaveCeptor that syncs with some nuclear clock signal and cost $69. I currently wear an Apple Watch so my coworkers stopped making fun of me. You asked this...
by Timoneer
Sat Jun 18, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 162
Views: 14751

Re: IWC Watch, any thoughts?

I have been searching for the right premium watch for about 6 years. I don't need one, can't justify the cost and realize it is a luxury. My favorite watch is my Casio WaveCeptor that syncs with some nuclear clock signal and cost $69.... 1. Any input on IWC as a watch? As a watch, the IWC keeps far...
by Timoneer
Thu Jun 16, 2016 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Rollover to Vanguard
Replies: 4
Views: 698

Re: TIAA-CREF Rollover to Vanguard

Consider doing the transfer in two steps to avoid multiple parties trying to coordinate First, convert the funds that you want to transfer to an IRA within TIAA. This will require that TIAA coordinate with your mom's former employers and the terms of the plans. If your dad is still alive, he will ne...
by Timoneer
Fri May 27, 2016 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Bond funds - help deciphering!
Replies: 31
Views: 2030

Re: TIAA-CREF Bond funds - help deciphering!

Their RMD is 24K a year, but they take $2500/month (30K a year) for living expenses. Up until this point, they have been taking their annual exit money from Traditional and putting it in CREF stock, then pulling their monthly income from there. They do this without paying any attention to their ass...
by Timoneer
Thu May 26, 2016 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Bond funds - help deciphering!
Replies: 31
Views: 2030

Re: TIAA-CREF Bond funds - help deciphering!

One thing you haven't mentioned is RMD's. Your father is 75, so more than 4% is coming out of TIAA each year. Where is it going? If not being spent, you can reinvest it in a suitable bond fund at Vanguard or Fidelity.
by Timoneer
Tue May 24, 2016 2:26 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 6600

Re: What was your first investment?

Westinghouse, back in the 1960's. I was a teenager interested in electronics and I read about Westinghouse developing a new lithography process for making these newfangled integrated circuits. With my savings of maybe $100 or $200, I asked my father to place an order for some stock with his broker. ...
by Timoneer
Tue May 24, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70
Replies: 96
Views: 6520

Re: Expected Social Security Benefit if I Have No Income for Five Years Before Claiming at 70

Does the SS statement give a figure for retiring at 66? Just multiply this number by 1.32 for a quick estimate for delaying until 70.
by Timoneer
Mon May 23, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: Boston Conference Hotel Suggestions
Replies: 12
Views: 819

Re: Boston Conference Hotel Suggestions

I'll be traveling to Boston for a conference in the height of the summer (August) The conference is in South Boston on a weekend - Saturday and Sunday. The hotels are very expensive. Can anyone suggest a hotel near enough to South Boston so that traveling won't be too distant in the morning - I wil...
by Timoneer
Sun May 22, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: Local TV channels - via streaming?
Replies: 29
Views: 2179

Re: Local TV channels - via streaming?

livesoft wrote:Has anybody turned their mattress springs into a TV antenna? It should be easy to do.


Once I used a bent coat hanger hidden behind a decorative cloth pot holder, for a small set in the kitchen.
by Timoneer
Mon May 02, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 44
Views: 4809

Re: 4 Days in Iceland - May 2016

D day is approaching. Just to confirm, should I even bother taking out cash at an ATM? I'd rather not. Also, do you tip in Iceland? No and no. During the course of a week, there was only a single occasion that we needed cash, for a small donation at a church. The only other time that we potentially...
by Timoneer
Tue Mar 29, 2016 9:44 am
Forum: Investing - Help with Personal Investments
Topic: What to do with old TIAA 403b?
Replies: 15
Views: 1177

Re: What to do with old TIAA 403b?

Her contributions are in a bucket with a contract GRA (TIAA xxxxx) (CREF xxxxxx) The hospital matching contributions are in a bucket labelled GSRA (TIAA Lxxxxx) (CREF Mxxxxxx) So I guess that means if we pick traditional it will go into TIAA Traditional Annuity - Group Retirement Annuity TIAA Tradi...
by Timoneer
Mon Mar 28, 2016 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with old TIAA 403b?
Replies: 15
Views: 1177

Re: What to do with old TIAA 403b?

Which version of TIAA Traditional is it - what's the current interest rate? Thats the part I am struggling to figure out. If we go in her account and look at rebalance options there is just a single selection for traditional with no details. If I click though that option to the list of all investme...
by Timoneer
Sat Mar 05, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Blow drying hair in the summer
Replies: 27
Views: 2592

Re: Blow drying hair in the summer

It's a bungalow, with knee walls, built in 1956. I've done lots of research and lots of air sealing, insulating, duct mastic sealing, etc. We do have a window unit in our bedroom, which is where she dries her hair. A quick back of the envelope calculation - A 1500 watt hair dryer run for 6 minutes ...
by Timoneer
Fri Mar 04, 2016 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is TIAA the opposite of Bogle? Massive confusion- help please
Replies: 32
Views: 2755

Re: Is TIAA the opposite of Bogle? Massive confusion- help please

At the age of 52 I'm just getting my arms around all of this, and I've been steering my own 401k toward the Bogle idea of low-cost index funds. As a newcomer to all this investment stuff, I find it intuitive and simple to understand. I feel I have a good idea of Soc Security and 401k rules. I'm fai...
by Timoneer
Thu Mar 03, 2016 4:58 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 8433

Re: Cast Iron Frying Pans

There are two broad categories of cast iron skillets, the traditional plain cast iron and the fancy and expensive enameled type that Le Creuset makes. Each has its advantages. My suggestion is to start with the basic inexpensive, made in American type from Lodge. America's Test Kitchen/Cook's Countr...
by Timoneer
Sat Feb 20, 2016 11:34 am
Forum: Local Chapters and Bogleheads Community
Topic: Metro-Boston; Lincoln Library; a nice story
Replies: 5
Views: 907

Re: Metro-Boston; Lincoln Library; a nice story

With a population of about 6,300 and about 15 miles northwest of Boston, I don't think I would call Lincoln, MA "a major metropolitan city". bill The Lincoln library does offer the Bogleheads' Guide to Investing as an ebook. Lincoln is a member of the Minuteman Library Network and can req...
by Timoneer
Tue Feb 02, 2016 9:21 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter
Replies: 264
Views: 46726

Re: Master Thread for Metro Boston's Chapter

siamond wrote:Meeting confirmed at the Lincoln Public Library (3 Bedford Rd), on February the 13th, from 1pm to 4pm.


Count me in as probable.

Timoneer
by Timoneer
Fri Jan 08, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 44
Views: 4809

Re: 4 Days in Iceland - May 2016

I just booked a flight to Iceland for my wife and I. We arrive at 11pm on May 19th (Thursday) and are leaving at 5pm on May 23rd (Monday). So four night and basically four days. Also, the flight is booked so don't bother telling me it is a bad time of year or its not long enough, etc. I booked a ho...
by Timoneer
Thu Jan 07, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: DIY Picture Framing
Replies: 6
Views: 565

Re: DIY Picture Framing

I have a couple of large pictures that I would like to have them framed with mats. The prices for custom framing are so expensive. I think I can handle buying the materials and putting a frame together. I have a miter saw and have cut acrylic "glass" before. What are the good sites to get...
by Timoneer
Tue Dec 29, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: Several electrical outlets don't work
Replies: 50
Views: 4136

Re: Several electrical outlets don't work

I am very puzzled about what is going on with my outlets. I have a general understanding of GFCI and I have reset/checked every GFI outlet in and outside of my home but I can't figure out why 4 of my bathrooms do not have power to the outlets. I also believe the bathroom that does work has its outl...
by Timoneer
Tue Nov 17, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: Credit card hacked, what we learned
Replies: 49
Views: 7846

Re: Credit card hacked, what we learned

FYI, when you use a credit card for Paypal transactions, the vendor does not see your credit card information, so it couldn't have been the Paypal transaction that was the source of the breach. I am curious how the OP could have thought it was PayPal, as the hacker would need a password to access t...

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