Search found 771 matches

by dbltrbl
Sat Jun 17, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Deck needs replaced, what should I get?
Replies: 17
Views: 1421

Re: Deck needs replaced, what should I get?

It is your choice but I would suggest using TREX. It will save you lot of work over the years and it may not get you your increased cost, if you stay there you will enjoy it. Life is too short. If you have no current plans of moving, go for trex.
by dbltrbl
Wed Jun 14, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Have you had this issue with Subaru Forester windshield replacement?
Replies: 18
Views: 1379

Re: Have you had this issue with Subaru Forester windshield replacement?

Your insurance should cover it.In KY there is not even a deductible for glass. Yes its painful but you cant control flying rocks from trucks or cars ahead of you. As long as you and passengers are safe its not a big deal.
by dbltrbl
Tue Jun 13, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Returning to Vanguard (from Ameriprise)
Replies: 8
Views: 887

Re: Returning to Vanguard (from Ameriprise)

To keep it simple, put it all in one target date fund and your wife will not have do anything. You will pay tad more than index funds but no hassles for you or your spouse.

Good Luck
by dbltrbl
Sat Jun 10, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much is the maximum can we pay for minor?
Replies: 6
Views: 1146

Re: How much is the maximum can we pay for minor?

Friends you can if you issue them 1099_MISC at the end of year and they will have to report the income on their taxes. No W-2 needed. For the kids be careful. If they are above 14 you need not include their income on your tax return up to certain amount. ( I do not remember). Also, you have to pay e...
by dbltrbl
Sat Jun 10, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 7829

Re: College admissions question - she got a "C"

Relax. It is total picture not one grade. strong SAT/ACT can outweigh any grade shortcomings along with reputation of the high school. As mentioned before other activities, academic teams or debate society, sports, volunteering etc are also looked at.
by dbltrbl
Thu Jun 01, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay somebody else's bank account from mine?
Replies: 14
Views: 659

Re: How to pay somebody else's bank account from mine?

If you and daughter have accounts at same bank just call and transfer money from your account to hers. I have done it few times to my son's account.
by dbltrbl
Wed May 31, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer without an in person interview
Replies: 41
Views: 3452

Re: Job offer without an in person interview

I do not think it is unusual for a company to hire you without personal interview. Only exception as noted before, you will be dealing with customers or public directly. If you are uncomfortable, ask to meet your direct superior and colleagues if any in person before accepting the offer. I think the...
by dbltrbl
Wed May 31, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 45
Views: 19591

Re: Laptop Purchase at Costco?

If you do not need custom laptop Costco is good. I have purchased 3 lap tops in one of those , Dell Inspirion battery died about 15 days before 2 years were over. After routine testing done over phone confirming battery was dead, new battery arrived by FEDEX. No prorated or grumping. You will not ge...
by dbltrbl
Fri May 26, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 2800

Re: New car doc fees

Doc fees are everywhere. I have paid as little as $40.00 to as high as 250.00. Pay 210 and move on.
by dbltrbl
Wed May 24, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 41
Views: 4604

Re: Lufthansa Premium Economy

fancy Name for essentially economy class. Yes seats are tad wider and about 3-4 in. extra legroom depending on airline. Everything else economy.
by dbltrbl
Wed May 24, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Milestones (significant to me!)
Replies: 6
Views: 992

Re: Milestones (significant to me!)

Congratulations :sharebeer
by dbltrbl
Wed May 24, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Government 457 options. Advice appreciated.
Replies: 5
Views: 504

Re: Government 457 options. Advice appreciated.

All Vanguard funds good.

International Index
Institutional Index

Keep it Simple. Get Bonds somewhere else if desired.
by dbltrbl
Tue May 16, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: 403/457 Advice and Investment Check-Up Please
Replies: 8
Views: 502

Re: 403/457 Advice and Investment Check-Up Please

Hi Shiny,

I sent you a PM just use it as single not married. You will save half of 660.00
by dbltrbl
Thu May 11, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Just opened a traditional IRA
Replies: 6
Views: 412

Re: Just opened a traditional IRA

Are you sure you want to keep ROTH at MET LIFE for next 7 years to save $800? In 1994 I paid $700.00 to get the hell out. Best 700 paid for price of learning. You are likely paying higher expenses and lower returns for 7 years and dealing with the. Just write it off as price of learning and move on....
by dbltrbl
Thu May 11, 2017 4:11 am
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 4658

Re: Can you suggest a mortgage lender who does not resell

If in area, 53rd bank has held our mortgage so far. ( 3 years in of 15).
by dbltrbl
Tue May 09, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Question - Can I contribute to an IRA?
Replies: 11
Views: 932

Re: IRA Question - Can I contribute to an IRA?

Correct. You will get 100K and all earnings on it totally tax free ( Could be 1 M or more) from ROTH after 59.5 in normal circumstances. you do not need 30 accounts.
by dbltrbl
Tue May 09, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Cell phone use in UK for one year
Replies: 13
Views: 718

Re: Cell phone use in UK for one year

If he has access to wi-fi ( as a student I am sure) he can take a Republic Wireless phone and he can call USA at no extra charge. For Uk, he can get a local phone for a year. I do not work for Republic Wireless.
by dbltrbl
Tue May 09, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: T Rowe Price High Income Bond Fund Expenses
Replies: 1
Views: 231

Re: T Rowe Price High Income Bond Fund Expenses

What is preventing you from transferring this IRA to another economical institution?
by dbltrbl
Tue May 09, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Moving and Taxes - [What Would You Do]?
Replies: 6
Views: 644

Re: Moving and Taxes - WWYD?

Can you rent a post box for 6 months or a year in new location so you do not miss any important mail. As for the city of temporary residence you just pay up the city taxes when you file 2017 return.
by dbltrbl
Mon May 08, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: fund selection for fidelity 401k
Replies: 4
Views: 425

Re: fund selection for fidelity 401k

No need for Vanguard funds. Do not pay $75.00 per trade.You are young. Continue Fidelity S& P till you reach some amount. Than add Fidelity International you suggested. If no extra charge you create the three fund with Fidelity Funds. Contribute every pay period and you should be fine.
by dbltrbl
Mon May 08, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Buying second home in Georgia- tax implications
Replies: 9
Views: 972

Re: Buying second home in Georgia- tax implications

1. NO 2. You need to check with GA revenue department. Most likely yes you will get some relief. 3. No, you need not file if you are not a resident of Georgia. If you plan on being part year resident yes. You will file in SC and GA. 4.Not at current interest rates. 5. You can deduct it from Federal ...
by dbltrbl
Sat May 06, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Aggressive index funds
Replies: 15
Views: 1650

Re: Aggressive index funds

Primecap shop is very good but you still get lower expense ratio using Vanguard than Primecap directly. Check it out. Yes couple of funds are closed. They are not index funds at all. They are active funds.
by dbltrbl
Sat May 06, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!
Replies: 12
Views: 1396

Re: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!

Congratulations. Do not sweat the small stuff. As for insurance, talk to people who have your auto insurance. you are likely to get Multi-line discount. Will reduce your auto premium too.
by dbltrbl
Sat May 06, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3284

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

Having worked at a Midwestern university, is it possible to get subsidized loans? It does not have interest as long as in school and either 3 or 6 months after graduation. Check it out. If not than Home equity. I would encourage her to get her Ph.D.. Life is not always about finances.
by dbltrbl
Sat May 06, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: Is it possible NAV was reported wrong: funds lost 6-8%
Replies: 5
Views: 496

Re: Is it possible NAV was reported wrong: funds lost 6-8%

No. Check dividend and/or capital gains distribution.
by dbltrbl
Fri May 05, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Does Your Doctor Take Funds From Drug Companies?
Replies: 17
Views: 1098

Re: Does Your Doctor Take Funds From Drug Companies?

Family Physician No. Rest No Idea.
by dbltrbl
Fri May 05, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Mazda vs. Ford
Replies: 40
Views: 2898

Re: Honda vs. Mazda vs. Ford

Of the choices you asked Accord/Civic hands down. Had 2000 Accord,sold it in June 2016, it is still being driven after 240000 miles. Only regular maintenance.
by dbltrbl
Wed May 03, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put gift money that child is receiving each year?
Replies: 16
Views: 1428

Re: Where to put gift money that child is receiving each year?

At his age, any of the fidelity index funds with 100% stock is fine. Just add 1200 to his 1300 to get to 2500 minimum.
by dbltrbl
Wed May 03, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 18387

Re: Buying a luxury car (how dumb would it be to do this?)

Life is too short. At your income level and reasonably secure job go for the luxury car. Enjoy the life along the way. Not every one is so blessed. I am assuming normal luxury vehicles Lexus, Mercedes or BMW or Tesla. Look at it this way your average Camry, Accords are around 25-30 k about 33% of an...
by dbltrbl
Fri Apr 28, 2017 5:27 am
Forum: Personal Finance (Not Investing)
Topic: taking 35,000 what to do
Replies: 5
Views: 1324

Re: taking 35,000 what to do

Which is it? Is it in 403b as in original post or is it in ROTH? At least post correctly so folks trying to help can do it right. Depending on what it is answers can and should be different.
by dbltrbl
Fri Apr 28, 2017 5:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard adviser - advice when not carrying a mortgage into retirement
Replies: 57
Views: 4624

Re: Vanguard adviser - advice when not carrying a mortgage into retirement

Many parts of country (NOT HCOL) have property taxes much higher than 5000.00 per year. Dayton, Ohio, you could be very easily pay 7-8k per year for an old 1800-2000 sq. ft house (1960) , valuation about 150,000.00 in reasonably decent school district. So 5k per year very low property taxes. While I...
by dbltrbl
Wed Apr 26, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: investing in a 403b
Replies: 6
Views: 802

Re: investing in a 403b

You said, " I am currently funding a 403b fixed rate account (before taxes) at Mass Mutual that pays 4 % until Jan 2017, and then will go to 3.35 % for 2017. I thought this would be a good place for the military pension to go until needed later, and it should be withdrawn at a lower tax rate th...
by dbltrbl
Wed Apr 26, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Using Roth IRA as a savings account?
Replies: 32
Views: 3103

Re: Using Roth IRA as a savings account?

From IRS Publication, "Unless one of the exceptions listed later applies, you must pay the additional tax on the portion of the distribution attributable to the part of the conversion or rollover contribution that you had to include in income because of the conversion or rollover. You must pay ...
by dbltrbl
Wed Apr 26, 2017 6:08 am
Forum: Personal Consumer Issues
Topic: Likely buying new vehicle(s) - Some Qs
Replies: 10
Views: 1277

Re: Likely buying new vehicle(s) - Some Qs

Glad every one OK. Across state lines not an issue at all. you will pay sales tax to Missouri only. So go with best price. I have purchased cars from Three different states and every time paid sales tax only in my home state. As for incentives at the end of month they are true only in some instances...
by dbltrbl
Tue Apr 25, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Using Roth IRA as a savings account?
Replies: 32
Views: 3103

Re: Using Roth IRA as a savings account?

You can not withdraw this money without penalty for 5 years with exception for buying house or Medical emergency only. You have to be 59.5 years old to withdraw contributions tax free. Use a regular savings account or bond fund your choice but not Roth.
by dbltrbl
Tue Apr 25, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Car troubles?
Replies: 18
Views: 1207

Re: Car troubles?

All of the items are reasonable maintenance items. I can not comment on the costs as it varies wildly. I would have them done to keep the car for next 3-5 years. Get a quote for same at Local pep boys. That should give you an idea if dealer is in the ball park.
by dbltrbl
Mon Apr 24, 2017 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Question about new 401k
Replies: 4
Views: 451

Re: Question about new 401k

Your Options are 1. Keep old 401k at Fidelity. If you are happy with your funds there than no rollover needed. 2. Transfer to new 401k at Vanguard if allowed. This will still have 401k rules. 3. Roll over to Traditional IRA, which will be an issue going forward if you do back door ROTH IRA. 4. Roll ...
by dbltrbl
Sun Apr 23, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Amended tax return question - what to include?
Replies: 2
Views: 295

Re: Amended tax return question - what to include?

Mail in the amended return as soon as possible. This way you will get your refund sooner. You must mail in the amended return along with explanation and/or documents. No need to wait.
by dbltrbl
Sun Apr 23, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Question about 403b plan
Replies: 16
Views: 1015

Re: Question about 403b plan

Even if you have to pay $500.00 it is worth to get out from Valic. I wasted about $1000.00 in 1992 getting away from Valic and transferring about 15000.00 to Vanguard. One my financially brilliant move in hindsight.Run away as soon as you can. Good luck.
by dbltrbl
Sun Apr 23, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is this tax deductible?
Replies: 19
Views: 1407

Re: Is this tax deductible?

Assisted living facility has to be a charitable organisation and registered with IRS. If not than your friend is out of luck.
by dbltrbl
Sun Apr 23, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Did you file your taxes with Credit Karma?
Replies: 14
Views: 1284

Re: Did you file your taxes with Credit Karma?

I would also be interested in knowing it especially if you also filed state taxes using them. I also used $10.00 tax act for e-filing both state and federal.
by dbltrbl
Sun Apr 23, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: typical deductions for retirees
Replies: 27
Views: 2445

Re: typical deductions for retirees

If your mortgage is paid off in most cases standard deduction is bigger than itemized. Even when working if mortgage is paid off it might be standard deduction depending on charitable deduction and state and local income and property taxes. You can deduct real estate taxes.
by dbltrbl
Sun Apr 23, 2017 4:05 am
Forum: Investing - Help with Personal Investments
Topic: 403B
Replies: 12
Views: 693

Re: 403B

You will need to decide your asset allocation. For the equity portion use Vanguard Institutional Index with ER of 0.04 is excellent choice.
by dbltrbl
Fri Apr 21, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: [How do I sell my Roth IRA funds to buy Vanguard?]
Replies: 4
Views: 393

Re: [How do I sell my Roth IRA funds to buy Vanguard?]

talk to Vanguard they will walk you through it. No need to go through settlement fund if you know what you want. Call Vanguard, let them handle it.
by dbltrbl
Fri Apr 21, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 7436

Re: Removing a tree - expensive!!!

1850 is high without removing stump. Call around. In Midwest for a tree about 50 ft high and 4 ft. dia trunk about 600-900.
by dbltrbl
Fri Apr 21, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 3739

Re: Car Choices

Take a look at Subaru. He may not want Toyota or Honda but suggest Subaru. I think both Camry and Accord are fine and more reliable.
by dbltrbl
Thu Apr 20, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Costco battery replacement possible after a year and half?
Replies: 11
Views: 1097

Re: Costco battery replacement possible after a year and half?

Yes. They will replace it but will prorate it. So you will not get full price back. I had old 100 month warranty Battery gone bad after about 54 months. They just refunded the prorated money and I had to buy new one. Costco refused to go total of 100 months. They no longer sell those batteries.
by dbltrbl
Thu Apr 20, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help with improving 403(b) allocations
Replies: 6
Views: 607

Re: Help with improving 403(b) allocations

You do not need 3 or 4 funds. Pick one TIAA IN EQ index 0.31 . If you want to 2 pick Dryfus S & P. In your taxable you can put other funds. I would just use TIAA and then Vanguard TSM outside, IRA etc.

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