Search found 27 matches

by cyclinggirl
Thu Aug 04, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 18
Views: 1319

Re: closet organizing system

I also used Ikea, it cost approx $1000 for 3 94" high and 7' wide builtins, put in drawers, shelves and hanging bars, came out beautiful. I put them together and hubby attached them to the wall. Friends and daughters are jealous as to how nice it holds all my clothes, shoes, purses, etc.
by cyclinggirl
Wed Jul 27, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Buying a fairly new RV, suggestions.
Replies: 39
Views: 3038

Re: Buying a fairly new RV, suggestions.

We could easily pay cash for the RV if we wanted to but at 2.75% and only adding 2 yrs to our mortgage we figured it was worth the refi on the house. We are cyclists and have to drag 3 bikes all over and it's become a hassle to try and fit all our stuff in/on the SUV and then having to take it off e...
by cyclinggirl
Tue Jul 26, 2016 9:48 am
Forum: Personal Finance (Not Investing)
Topic: EMC/Dell Tax consequences to individuals
Replies: 9
Views: 793

Re: EMC/Dell Tax consequences to individuals

I also own EMC shares but in an IRA account, does the tax consequences still hold true for me?
by cyclinggirl
Mon Jul 25, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: Buying a fairly new RV, suggestions.
Replies: 39
Views: 3038

Re: Buying a fairly new RV, suggestions.

Thanks to all for the replies and great info, I'll try to figure out if it's worth it in the long run. I'm retired and husband works from home so can do his job anywhere. We have plenty of equity in our home to take out the needed 70K as we've paid down our mortgage for years before the 15 yr refi. ...
by cyclinggirl
Sun Jul 24, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: Buying a fairly new RV, suggestions.
Replies: 39
Views: 3038

Re: Buying a fairly new RV, suggestions.

Yes, husband does. We have decided to go ahead and buy one and if it doesn't work out we can always try and sell it. That's the reason we are buying somewhat used and not a high end brand.
by cyclinggirl
Sun Jul 24, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Buying a fairly new RV, suggestions.
Replies: 39
Views: 3038

Re: Buying a fairly new RV, suggestions.

Class A, probably 28-30 ft, mostly for long weekends and 1-2 week vacations, just the two of us. We looked a Winnebago and Jayco, Thor, so far Winnebago has the best reviews but there are so many other brands. Something in the 70k range, one to two years old seems to be the best value.
by cyclinggirl
Sun Jul 24, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Buying a fairly new RV, suggestions.
Replies: 39
Views: 3038

Buying a fairly new RV, suggestions.

I've been looking at almost new RV's and boy is it confusing. Any suggestions on how to finance it, thinking about taking out a refi on my mortgage, 2.75% for 15 yrs (currently at 3.25 and have 12 yrs left) and using extra cash to purchase outright. The hard part is finding one that doesn't have rev...
by cyclinggirl
Mon Oct 19, 2015 4:33 pm
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 153
Views: 20902

Re: Where to retire in Florida?

I grew up in Miami, moved to Gainesville then down to Venice and now live in Tarpon Springs. I would strongly suggest you rent first and for at least one year. This past month we had over a week of rains and many new homes were under water and none of these homes had flood insurance as they were now...
by cyclinggirl
Fri Jun 26, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: Colorado Vacation suggestions
Replies: 53
Views: 6047

Re: Colorado Vacation suggestions

I'm heading there this August for the USA Pro Challenge - it's the 17-23. If you like cycling check out some of the routes, if not then you may want to avoid those cities/towns during that week as some roads will be closed all day. I love the hiking in Aspen and the food, driving over Independence P...
by cyclinggirl
Fri Nov 21, 2014 3:36 pm
Forum: Personal Consumer Issues
Topic: Hybrid electric water heaters
Replies: 6
Views: 678

Re: Hybrid electric water heaters

I'm not sure what the charge is to run a 220 volt to the garage but we do not have it so I'll have to find out. Our bill every other year runs about $325 for just the propane, which is in a 250 gallon tank underground in the front yard. Then they charge me $150 non fuel (this is to drive the gas to ...
by cyclinggirl
Fri Nov 21, 2014 11:26 am
Forum: Personal Consumer Issues
Topic: Hybrid electric water heaters
Replies: 6
Views: 678

Hybrid electric water heaters

We currently have a gas water heater, the city gas charges us $150 a year to just have them as a service provider. When we purchase gas the charge us for fuel delivery which is $150 then the cost of the gas itself. If we don't need to purchase gas for the next year that's when they charge us the $15...
by cyclinggirl
Wed Nov 05, 2014 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account for Trading Options
Replies: 1
Views: 314

Vanguard Account for Trading Options

Does anyone use their Vanguard Brokerage account for trading options and if so what are your thoughts.
by cyclinggirl
Tue Jul 15, 2014 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Withdraw from 529 or FL Prepaid for tuition by grandparent
Replies: 3
Views: 524

Withdraw from 529 or FL Prepaid for tuition by grandparent

My grandson is starting college this fall, would it be better to pay the school tuition from the Fl Prepaid account or his 529 plan. Does it even matter? he is going to college not a university and his prepaid plan covers university prices so he should have excess funds. He is hoping to go to a univ...
by cyclinggirl
Sun Dec 30, 2012 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Sitting on the sidelines for 2 years
Replies: 17
Views: 2572

Re: Sitting on the sidelines for 2 years

After reading all the great advice I feel easing into the market would work best. As of the 2nd I'll be putting $300,000 of the Vanguard IRA into VTWNX, Target 2020 fund, it appears to have the best stock/bond ratio for my age and situation. Not sure after that first purchase the course I will take ...
by cyclinggirl
Sun Dec 30, 2012 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Sitting on the sidelines for 2 years
Replies: 17
Views: 2572

Re: Sitting on the sidelines for 2 years

Thank you all for the great advice, I am currently checking into some of the sites recommended. I live in Florida and currently my partner is covering most expenses as we share a home together and he is covering my medical insurance. I'm hoping not to even touch the IRA until after 59 1/2 and know I...
by cyclinggirl
Fri Dec 28, 2012 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Sitting on the sidelines for 2 years
Replies: 17
Views: 2572

Re: Sitting on the sidelines for 2 years

Got out because I lost my job and a divorce. Not a new comer to the market, was an investor for over 30 years and went through some pretty tough times, also worked in the business for 30 years. It was just one of those things where I just needed some calm somewhere in my life. This now seems pretty ...
by cyclinggirl
Fri Dec 28, 2012 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Sitting on the sidelines for 2 years
Replies: 17
Views: 2572

Sitting on the sidelines for 2 years

Need help getting back in the market after selling everything 12-31-2010. At that time I was almost even from the crash of 2006. But having my money in money market is ridicules so I'm finally going to do something. Here's where I stand. I'm 55 and not working, with no prospect to start. Partner has...
by cyclinggirl
Fri Oct 05, 2012 10:46 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1380709

Re: What Book Are You Currently Reading? Part V

The Long Road To Antietam: How the Civil War Became a Revolution by Richard Slotkin
by cyclinggirl
Thu Oct 04, 2012 1:32 pm
Forum: Personal Consumer Issues
Topic: What to do? Neighbor tree leaning over property line
Replies: 62
Views: 7603

Re: What to do? Neighbor tree leaning over property line

I live in Florida and had a neighbor behind me that had a very large dead Oak tree. I called the county and they said if it fell on my house I was responsible for the damage unless I sent a certified letter stating that if the tree fell on my house and there was damage they would have to cover the c...
by cyclinggirl
Fri Jun 29, 2012 10:36 am
Forum: Personal Finance (Not Investing)
Topic: TOD (transfer on death) versus changing to Trust name
Replies: 18
Views: 3983

Re: TOD (transfer on death) versus changing to Trust name

All my assets are in TOD accounts, you can name multiple beneficiaries.
If Florida real estate holdings cannot be in a TOD.
by cyclinggirl
Fri Jun 29, 2012 10:32 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1380709

Re: What Book Are You Currently Reading? Part V

Just finished,
Nancy Gibbs and Michael Duffy's "The President's Club: Inside the Worlds Most Exclusive Fraternity".
Enjoyed it a lot and will now read "The Passage of Power".
by cyclinggirl
Wed Feb 15, 2012 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Difference between R/O and traditional IRA
Replies: 10
Views: 1733

Difference between R/O and traditional IRA

My partner opened up a R/O IRA with Vanguard thinking he was going to move his 401k over, that could not happen, so can he just contribute to the R/O with yearly contributions or should he open a traditional IRA, is there a difference?
by cyclinggirl
Wed Feb 08, 2012 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) not allowed to move rule
Replies: 8
Views: 703

Re: 401(k) not allowed to move rule

Thank you both, I'll let him know.
by cyclinggirl
Wed Feb 08, 2012 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) not allowed to move rule
Replies: 8
Views: 703

401(k) not allowed to move rule

My partner has a 401k with his old company, they were bought out and he is now being told he cannot move the funds to Vanguard IRA R/O because the 401k was also bought out. Does this sound legal, can they insist he move to the new company which does not contribute to the new 401k plan? Thanks.
by cyclinggirl
Tue Jan 10, 2012 3:05 pm
Forum: Personal Consumer Issues
Topic: Bike riders with no lights at night
Replies: 60
Views: 2483

Re: Bike riders with no lights at night

As an avid cyclist (note user name) I can tell you no one in our club rides at night without lights. I live in Florida where there are many people who have no other choice but to ride their bikes at night either to or from work and cannot afford lights for them. Would it be at all possible to put yo...
by cyclinggirl
Tue Jan 03, 2012 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend moving in, lots of student loan debt
Replies: 69
Views: 10965

Re: Girlfriend moving in, lots of student loan debt

I was in the same situation with my boyfriend. He had a lot of credit card debt due to his previous marriage and didn't own a home. He had a great job and made very good money but had child support payments that took up 1/2 of his monthly income with over 4 years left of those payments. We worked on...
by cyclinggirl
Thu Nov 10, 2011 10:30 am
Forum: Personal Consumer Issues
Topic: Beatles or Rolling Stones
Replies: 70
Views: 3732

Beatles or Rolling Stones

So for those of us over 45, who would you say is your favorite of the two.

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