Search found 355 matches

by TravelforFun
Sun Aug 28, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Spousal Benefits - Basics
Replies: 30
Views: 2294

Re: Social Security - Spousal Benefits - Basics

Sorry guys... this is really new to me. I just want to clarify if someone can simply answer yes or no - My wife does not have 40 credit. If i retire (whatever age), there will also be SS Spousal benefit. If I am getting $3000, my wife will also get $1500 (even though she has not worked to reach cre...
by TravelforFun
Sun Aug 28, 2016 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Social Security - Spousal Benefits - Basics
Replies: 30
Views: 2294

Re: Social Security - Spousal Benefits - Basics

Sorry guys... this is really new to me. I just want to clarify if someone can simply answer yes or no - My wife does not have 40 credit. If i retire (whatever age), there will also be SS Spousal benefit. If I am getting $3000, my wife will also get $1500 (even though she has not worked to reach cre...
by TravelforFun
Wed Aug 17, 2016 9:36 am
Forum: Personal Finance (Not Investing)
Topic: How to Prepare for Old Age When You Don’t Have Kids
Replies: 21
Views: 3524

Re: How to Prepare for Old Age When You Don’t Have Kids

Everyone should prepare for old age as if they don't have kids. Planning on your kids to take care of you, in any form or fashion, is a poor plan at best, not to mention arguably selfish. I agree! We don't want to burden our kids now or in our old age. This is the main reason why we bought a LTC in...
by TravelforFun
Sat Aug 13, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Are there any smart ways to pay off a credit card?
Replies: 27
Views: 2051

Re: Are there any smart ways to pay off a credit card?

Pay $3,250 now and the other $3,250 over 6 months. We are talking about less than $120 interest here. Focus on the main problem which is you have allowed CC balance to accumulate. You must keep the spending under control or this problem will return again.
by TravelforFun
Sat Aug 06, 2016 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: unexpected accelerated retirement (next week), checklist?
Replies: 25
Views: 2407

Re: unexpected accelerated retirement (next week), checklist?

I didn't read all the posts but I'd add a few more suggestions: 1) copy all your work on a portable hard drive and take it with you if it's allowed by your employer, 2) if you have been using your company cell phone for a long time, ask to keep the number, 3) let all your business contacts know how ...
by TravelforFun
Sat Aug 06, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Help for 60 year old
Replies: 11
Views: 1409

Re: Help for 60 year old

I'm in my early 60s and 70% in stock. Reasons: I'm still working, will not need income from my investment for a while, and have a high tolerance for risk. I cruised through the last three market crashes without losing any sleep.
by TravelforFun
Sat Aug 06, 2016 11:03 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey over simplifying Roth vs. Traditional IRA?
Replies: 52
Views: 4737

Re: Dave Ramsey over simplifying Roth vs. Traditional IRA?

Then let's compare apples to apples. Usually the math says "okay for a Roth, you really only have 3750 a year to invest because you have to pay taxes". But that's absurd. Let's look at a 25% marginal tax rate person who is going to end up being 25% marginal tax rate in retirement. They ha...
by TravelforFun
Sun Jul 31, 2016 11:27 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1002

Re: Merging PDF Files

MossySF wrote:To print from a website to 1 gigantic page, make a custom paper format in the PDF driver that is 8.5" x 100000000000000000000000000".

This did it! Thank you MossySF.
by TravelforFun
Sun Jul 31, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1002

Re: Merging PDF Files

AlohaJoe wrote:
You should probably mention what type of computer you are using, so that suggestions can be more targeted.

I have a PC running Windows 10. I'll try what you suggested. Thanks.
by TravelforFun
Sun Jul 31, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1002

Re: Merging PDF Files

Yes, that's a different question. Do you mean that you want to save an online article viewed in your web browser? PDF has difficulties when converting to/from other formats. Instead, go directly from your browser to word processor. If you own MS Word, google "ms word import web page". If ...
by TravelforFun
Sun Jul 31, 2016 8:50 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1002

Re: Merging PDF Files

May be I didn't ask the question correctly. When I want to save an online article that has text and pictures, I print or convert it to PDF but it usually produces several pages and sometimes the pagination cuts off the pictures or text. Is there a way that I can convert the article to one continuous...
by TravelforFun
Sun Jul 31, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1002

Re: Merging PDF Files

triceratop wrote:If you are on Linux, then ImageMagick's "convert" tool can handle this job quite easily.

Wish I had Linux.
by TravelforFun
Sun Jul 31, 2016 8:27 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1002

Re: Merging PDF Files

Anyone knows how to merge several pages of PDF into one long continuous page? Online tools I found would merge PDF files into one file but the file would have several pages and I only want one page even though it's a long page. If it's just text, you could just copy and paste the contents into a wo...
by TravelforFun
Sun Jul 31, 2016 7:10 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1002

Merging PDF Files

Anyone knows how to merge several pages of PDF into one long continuous page? Online tools I found would merge PDF files into one file but the file would have several pages and I only want one page even though it's a long page.
by TravelforFun
Fri Jul 29, 2016 8:08 pm
Forum: Personal Consumer Issues
Topic: Buying a used DSLR Suggestion
Replies: 37
Views: 2390

Re: Buying a used DSLR Suggestion

I currently have an about 8 year old Nikon D40 with a Sigma 28-50mm lens (Cheap) and a Nikkon 50-200mm lens (nice). We are doing a road trip across Germany in September and were thinking of upgrading. I was thinking of a budget in the $400-$500 range. This is leading me to the conclusion that a use...
by TravelforFun
Fri Jul 29, 2016 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our beach house?
Replies: 11
Views: 1690

Re: Should we sell our beach house?

I'd sell it. You bought an investment property but it hasn't appreciated as much as your other investments have and now you're getting tired of dealing with maintenance issues. Selling it would allow you to diversify not only your investments but also your life i.e. you would be able to go to any be...
by TravelforFun
Wed Jul 27, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 64
Views: 3415

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

If you go to the Amalfi Coast, spend at least a week there to really explore the area and all the little towns. Don't forget to take the ferry to Capri.

http://www.bocung.com/amalfi_coast_2011.html
by TravelforFun
Tue Jul 26, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 525
Views: 48137

Re: What's Your Credit Card Rewards Strategy?

My strategy is my time is for loving my family. Not wasting my time on slick deals. I will always have enough for everything I would ever want. Those who "save" more money, end up paying it as taxes or to charity. I am up for debate if anyone wants to challenge that. Its an open invitatio...
by TravelforFun
Mon Jul 25, 2016 7:00 pm
Forum: Investing - Theory, News & General
Topic: Theory only... when to stop 401k contribution
Replies: 46
Views: 4311

Re: Theory only... when to stop 401k contribution

5) It depends on the marginal tax rate. At 25% and above, it is hard to argue against Trad. 401K contribution unless the 401K expense is extremely horrible. See (1). At 25% marginal tax rate, all those options pay a lot more taxes. KlangFool, my point was that everybody's situation is different and...
by TravelforFun
Mon Jul 25, 2016 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Rules of Thumb: Max House Value as % of Net Worth?
Replies: 79
Views: 5524

Re: Rules of Thumb: Max House Value as % of Net Worth?

What are some good prudent rules of thumb for one's max house value as a % of net worth? It seems a lot of people think about it from an income perspective, but I have not come across a rule of thumb for net worth. What could you do with that number? If it were decided that that number is 1 or some...
by TravelforFun
Mon Jul 25, 2016 6:36 pm
Forum: Investing - Theory, News & General
Topic: Theory only... when to stop 401k contribution
Replies: 46
Views: 4311

Re: Theory only... when to stop 401k contribution

I know its always best to max out your 401k, but at what point is your balance large enough that maxed contributions are insignificant?? Again... just for fun and discussion, what is the magic amount when gains totally overshadow contributions? flatfoot, Unless you like paying a lot of taxes, WHY w...
by TravelforFun
Sun Jul 24, 2016 11:29 pm
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 8733

Re: Reliving the Nightmare of the Crisis

I lived through the double-digit inflation of the 1970s. I know what inflation feels like. Could you describe in some detail, and compare with the inflation in home prices, rents, and tuition that we see today? LOL. I was there. The sky is falling! Nobody will ever get ahead at anything! You kids d...
by TravelforFun
Sun Jul 24, 2016 10:55 pm
Forum: Personal Consumer Issues
Topic: What type of new driveway should I get?
Replies: 21
Views: 2366

Re: What type of new driveway should I get?

Whatever you do, make sure you have good drainage. No standing water on or at the edge of the driveway after a rain.
by TravelforFun
Sun Jul 24, 2016 10:49 pm
Forum: Personal Consumer Issues
Topic: Double Walled Stainless Steel tip for Fans of the Cocktail
Replies: 7
Views: 782

Re: Drink faster

daveatca wrote:My friends/neighbors think Yeti is the greatest.
http://yeti.com/rambler-lowball/

Under tests, Yeti and Rtic performed the same but Yeti is much more expensive.
http://charlottescornercafe.com/yeti-vs-rtic/
by TravelforFun
Sat Jul 23, 2016 1:32 pm
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 8733

Re: Reliving the Nightmare of the Crisis

Not related to the market crashes but I always remember the thread about people putting all their money in the wrong basket. I'm talking about GTAT, a then rising company that was making glass for iPhone but got the rug pulled out from under them leaving a bunch of investors dead in the water. Here ...
by TravelforFun
Thu Jul 14, 2016 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Personal Glide Path
Replies: 7
Views: 865

Re: Personal Glide Path

Way too conservative for me! I'm gliding down to 70/30 (70% stock / 30% bond) when I reach age 70 which is just a few years from now. Reasons: 1) I don't lose sleep when market crashes, 2) 30% bond would last me 10 years since I plan on withdrawing 3% per year to supplement SS and that should give m...
by TravelforFun
Sun Jul 10, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: How do I use stopovers and open-jaws to get the most out of travel?
Replies: 8
Views: 1122

Re: How do I use stopovers and open-jaws to get the most out of travel?

I've never heard of the term "open jaw" before but we use it every time we go to Europe. The last time we went (past April), we flew into Brussels, traveled to Amsterdam, Prague, Vienna, Budapest, Munich, Aneccy, and Paris using a combination of car and train rides.Then we flew home from P...
by TravelforFun
Sun Jul 10, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell my rental and pay down primary mortgage
Replies: 17
Views: 1403

Re: Should I sell my rental and pay down primary mortgage

If your house were paid for, would you borrow on it to buy the rental? So yes sell the rental and sure, selling the rental will reduce the size of your real estate portfolio.
by TravelforFun
Wed Jul 06, 2016 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Go After American Airlines?
Replies: 45
Views: 4090

Re: Should I Go After American Airlines?

I wouldn't go after AA because I've dealt with them before and their customer service can range from incompetent to scum. They hide their resolution people behind email that is limited to 1500 characters. 1500 characters ought to be enough to explain this type of problem. In general, the more you w...
by TravelforFun
Wed Jul 06, 2016 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Should I Go After American Airlines?
Replies: 45
Views: 4090

Re: Should I Go After American Airlines?

As a side note: After working in a pseudo-customer service call center for a few years and dealing with some not-so-bright customer service reps on the phone myself, I always try to make my intentions as clear as possible and ask a lot of questions to be sure that what I want is what is happening.....
by TravelforFun
Tue Jul 05, 2016 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Go After American Airlines?
Replies: 45
Views: 4090

Re: Should I Go After American Airlines?

It does seem they may not have handled it well at first, depending upon what you said, precisely. But didn't they make it "good"? That is, as you first requested, to cancel her reservation, and refund the ticket price (something that is rarely done after 24 hours). RM I didn't ask them to...
by TravelforFun
Tue Jul 05, 2016 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Go After American Airlines?
Replies: 45
Views: 4090

Re: Should I Go After American Airlines?

b4nash wrote:
...I called AA and inquired about possibility of returning one of the tickets...


Is "one of the tickets" what you said? How would they have known which passenger's ticket to cancel? :shock:

I did tell the AA rep which person in my party may not be able to go.
by TravelforFun
Tue Jul 05, 2016 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Go After American Airlines?
Replies: 45
Views: 4090

Should I Go After American Airlines?

Long post here. My family of nine (wife and I, our three adult kids, daughter-in-law, and three grand kids) needed to attend my niece’s wedding in Florida (we live in Texas) and I found a good deal on the tickets ($150 apiece) four months before the wedding; and I booked and paid for them. The day b...
by TravelforFun
Mon Jul 04, 2016 9:15 am
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 109
Views: 11140

Re: $400,000 Roth Conversions Between Ages 66-69?

Yes, I recall reading this strategy in Lange's book now. (It's been a while) So, in theory every year you would ask Vanguard to set up a "new" Roth account to handle that year's conversion, and they would have no objection to that? You could end up with quite a few Roth accounts under thi...
by TravelforFun
Mon Jul 04, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Where To Park Your Emergency Fund?
Replies: 30
Views: 3637

Re: Where To Park Your Emergency Fund?

All my emergency money is sitting in a bond fund. I use my credit cards to pay for emergencies then sell some bond fund to pay the CC bills. CDs don't help much because you have to wait for them to mature to cash out.
by TravelforFun
Mon Jul 04, 2016 8:43 am
Forum: Investing - Help with Personal Investments
Topic: HSA - Can you withdraw from the HSA an amount equal to my past medical expenses?
Replies: 39
Views: 3407

Re: HSA - Can you withdraw from the HSA an amount equal to my past medical expenses?

PaddyMac wrote:We're self-employed and we always make a note of our medical mileage. But we have a nice mileage book and one column is Business and the second column is Medical, as it's reimbursed at a different rate.

Mileage book? Wouldn't it be easier to enter transactions into a spreadsheet?
by TravelforFun
Mon Jul 04, 2016 7:46 am
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 109
Views: 11140

Re: $400,000 Roth Conversions Between Ages 66-69?

celia wrote:1. Always do each conversion into an empty Roth account to make possible recharacterizations "clean".

What are the reasons for doing this? I convert some of my IRA money every year and put in the same Roth account.
by TravelforFun
Sat Jul 02, 2016 12:58 am
Forum: Investing - Help with Personal Investments
Topic: How far Behind am I?
Replies: 9
Views: 1512

Re: How far Behind am I?

Hi everyone, Well today is an exciting one for me. I was doing my monthly finances and with this last surge by the market, I have hit the 100,000 net worth mark! I'm pretty excited as I was a late starter and it took me to age 37 to get there...but overall how do you guys think I am doing? I don't ...
by TravelforFun
Thu Jun 30, 2016 12:17 pm
Forum: Investing - Theory, News & General
Topic: For those that "buy" during stock market downturns...
Replies: 158
Views: 10433

Re: For those that "buy" during stock market downturns...

Can you explain how you execute that strategy? I'm truly curious where the money comes from. Best I can tell there are several ways this activity can be funded: 1. Rebalancing bands are activated. When used in this sense, I can't say that I agree the term "buying" should be used. Rather t...
by TravelforFun
Sun Jun 26, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Lowering taxes at RMD time
Replies: 26
Views: 3091

Re: Lowering taxes at RMD time

Between 66 and 70.5, you have an income of $10K some of which may not be taxable and hence, you have a lot of room to fill your 15% tax bracket. You should withdraw from your IRA up to 15% bracket or perhaps even 25% bracket before RMD. A spreadsheet can help you analyze your options.
by TravelforFun
Thu Jun 23, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: How Does a Password Manager Impact Day to Day (IOS and Mac)
Replies: 48
Views: 2967

Re: How Does a Password Manager Impact Day to Day (IOS and Mac)

Thesues wrote: And most importantly, it does not require a monthly subscription.

Really? App store says 1Password subscription is $5 per month.
by TravelforFun
Fri Jun 17, 2016 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: High Credit Card Debt- Need Help
Replies: 107
Views: 7846

Re: High Credit Card Debt- Need Help

Folks, you're not answering what the OP asked. Her question was, "I recently received an offer from Discover for a potential $30,000 loan at 7.5%. I'm trying to decide if using that is a good idea, if I should get a personal loan, or accept some of the credit card offers and try to juggle 3% up...
by TravelforFun
Fri Jun 17, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: One more mortgage payoff thread...
Replies: 47
Views: 3877

Re: One more mortgage payoff thread...

Congratulations! We did the same a few years ago and became completely debt-free. You should have a mini celebration.
by TravelforFun
Mon Jun 13, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Live the Good Life Today vs Save For a Better Life Tomorrow
Replies: 84
Views: 7646

Re: Live the Good Life Today vs Save For a Better Life Tomorrow

One spends every dime he earns, travels the world, lives on credit, never worries about tomorrow and lives a good portion of his adult life to the fullest and dies deep in debt. Who is going to pay his debt? His spouse? Society? This is not living to the fullest. I doubt this person would be very h...
by TravelforFun
Thu Jun 09, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Debt Payoff Plan - Seeking Advice
Replies: 16
Views: 1729

Re: Debt Payoff Plan - Seeking Advice

My income is currently $65,000/yr ($3,600/month). I am currently putting $1,500 per paycheck or $3,000/mo towards the balances. The rest ($600) is going towards my EF (currently $0), and other expenses. You must be leaving something out in this plan? Please explain how you can live on $600/month? J...
by TravelforFun
Thu Jun 09, 2016 11:43 am
Forum: Investing - Theory, News & General
Topic: Elevated risk of selloff; 60/40 AA will fare poorly
Replies: 28
Views: 3289

Re: Elevated risk of selloff; 60/40 AA will fare poorly

I'm waiting for a big sell-off so I can transfer a bunch of stocks from my IRA to Roth.
by TravelforFun
Mon Jun 06, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Dallas BBQ/TexMex Restaurants
Replies: 51
Views: 2625

Re: Recommendations for Dallas BBQ/TexMex Restaurants

Uncle Julio's is my favorite Texmex restaurant. They have several locations.
by TravelforFun
Sun Jun 05, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: "How to get the inheritance conversation started."
Replies: 5
Views: 1583

Re: "How to get the inheritance conversation started."

May seem weird to many but we share with our adult kids details about our wills, assets, and liabilities once a year.
by TravelforFun
Fri Jun 03, 2016 11:53 pm
Forum: Personal Consumer Issues
Topic: 22 days Eurail Global Pass for Scenic Rail Journeys in Europe
Replies: 35
Views: 2588

Re: 22 days Eurail Global Pass for Scenic Rail Journeys in Europe

I would skip the Eurail Pass and just buy train tickets as you need them. I agree 100%. The Euro Rail Pass in my opinion is not a good deal. I would also spend some time googling cheap flights in and out of those destinations. Check RyanAir, Wizz Air,etc. Disagree with you all completely. Just got ...

Go to advanced search