Search found 2283 matches

by tomd37
Mon May 30, 2016 7:35 pm
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 32
Views: 1986

Re: Moving to North Carolina from NYC

If we were not in our early 80's and settled here in the Metro Nashville area, we would return to Chapel Hill in a heartbeat. Moved there in 1984 and was transferred to Nashville in 1995 for 7 years before retiring here. Lived just outside CH on the north side just off I-40 (Stoneridge-Sedgefield) C...
by tomd37
Sun May 29, 2016 7:41 pm
Forum: Personal Consumer Issues
Topic: Is there such thing as easy load front load washer/dryer?
Replies: 30
Views: 1765

Re: Is there such thing as easy load front load washer/dryer?

Back in the early 1940's Bendix manufactured commercial front loading washing machines in which the drum was tilted slightly from front to back which made it easy for loading. I remember the laundry rooms in our apartment complex having them ($0.25 a load) along with a high speed extractor machine a...
by tomd37
Sat May 28, 2016 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Is the AMEX originial (old) Blue Cash worth keeping?
Replies: 11
Views: 1126

Re: Is the AMEX originial (old) Blue Cash worth keeping?

Jim85, Yes, you can do a summary report for a given period. I talked with AMEX customer service and know my new period starts on March 25th of each year so I did a summary report for the period March 25th to May 25th and determined I have already reached the $6,500 tier. If I remember correctly you ...
by tomd37
Fri May 27, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is the AMEX originial (old) Blue Cash worth keeping?
Replies: 11
Views: 1126

Re: Is the AMEX originial (old) Blue Cash worth keeping?

Elemental - I have the same original card as you. I have used the AMEX tool to summarize my annual purchase activities for three different years. Based on my personal expenditure patterns I have found that even a 2% rebate card on all purchases would not give me as much as I get with my AMEX Blue Ca...
by tomd37
Thu May 26, 2016 7:53 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 43
Views: 5967

Re: Jack Bogle - Two Fund Portfolio

That is it and thanks a lot.
by tomd37
Thu May 26, 2016 7:32 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 43
Views: 5967

Re: Jack Bogle - Two Fund Portfolio

Can't recall my prior thoughts right now, but for taxable investments doesn't Vanguard have a fund of ~60/40 ratio that uses a tax exempt bond fund along with a good stock fund. I wish my recall was better that it is but age is becoming a factor unfortunately :annoyed
by tomd37
Tue May 24, 2016 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Annual Summary?
Replies: 7
Views: 588

Re: Vanguard Annual Summary?

In the years 2004 - 2007 Vanguard mailed me a color copy of the Vanguard Portfolio Watch as of the end of each year. It appears to be what is online now. I miss it as I do not have a color printer. I wonder if they would mail it if requested?
by tomd37
Sun May 22, 2016 8:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Webcasts
Replies: 3
Views: 713

Re: Vanguard Webcasts

Not so annoyed now. :| Thanks Mel.
by tomd37
Sat May 21, 2016 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 25319

Re: Costco AMEX Transition - Costco has no answers

After reading all the postings on this thread I am glad that I have my original AMEX Blue Cash rebate card from 2001. Prior to reaching the $6,500 tier I receive 1% cash rebate on purchases at gas stations, grocery stores, and drugstores. I receive 0.5% on all other purchases (they call them everyda...
by tomd37
Sat May 21, 2016 10:52 am
Forum: Investing - Help with Personal Investments
Topic: is it worth it to add REITs to my simple 3 fund portfolio?
Replies: 24
Views: 1188

Re: is it worth it to add REITs to my simple 3 fund portfolio?

As an older retiree I have held a ~10% position of my total portfolio in the REIT index fund for the past fifteen years and plan to continue. Of course it is held in the tax-advantaged portion of the portfolio. Yes, it does fluctuate more than other funds but I am far ahead on my original investment...
by tomd37
Sat May 21, 2016 10:41 am
Forum: Investing - Theory, News & General
Topic: NFCU Military Appreciation Month
Replies: 6
Views: 815

Re: NFCU Military Appreciation Month

Bumping this post as we go into the last week for the offer. The post has 500+ reads thus far.
by tomd37
Fri May 20, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 53
Views: 5267

Re: How to stop MS loading Windows 10?

My wife and I are both using Windows 7 Professional on our computers (laptop and desktop respectively) and just yesterday Windows 10 installed on her laptop without any action on her part (she was not even at the laptop). When it finished installing it asked for acceptance of the terms in order to c...
by tomd37
Mon May 16, 2016 7:47 pm
Forum: Investing - Theory, News & General
Topic: What % do you have in alternatives? REITs, commodities, etc.)
Replies: 67
Views: 3554

Re: What % do you have in alternatives? REITs, commodities, etc.)

As an older retiree (79) I have a simple four-fund 40/60 indexed retirement portfolio, as indicated, containing the REIT Index fund and have had it for at least 15 years. VBILX - Intermediate-Term Bond Index - 58% VTSAX - Total Stock Market Index - 18% VTMGX - Developed Markets Index - 12% VGSLX - R...
by tomd37
Mon May 16, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Non cash donations
Replies: 9
Views: 730

Re: Non cash donations

For non-cash contributions recorded on a tax return take a look at what the IRS considers the "fair market value" of donated items.
by tomd37
Sat May 14, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do you move after your home has appreciated by $500K?
Replies: 38
Views: 3556

Re: Do you move after your home has appreciated by $500K?

Not too many people (i.e., couples) see a net gain of $500K after considering the adjusted cost basis versus the sales price. But it does happen. :dollar
by tomd37
Fri May 06, 2016 6:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Webcasts
Replies: 3
Views: 713

Vanguard Webcasts

I am very disappointed that Vanguard does not make available their various webcasts on their site any sooner than they do. Many of us are not available at the time to participate or maybe for some reason we cannot gain access to them for some particular reason. Truly annoyed. :annoyed
by tomd37
Mon May 02, 2016 6:14 pm
Forum: Investing - Theory, News & General
Topic: NFCU Military Appreciation Month
Replies: 6
Views: 815

Re: NFCU Military Appreciation Month

I have been a member of NFCU since 1961 and my spouse has been a member since our marriage in 1966. I have never had any issues with either of us signing up for these special offerings from whenever in time those offerings may have started. If you have any questions about eligibility or requirements...
by tomd37
Mon May 02, 2016 4:10 pm
Forum: Investing - Theory, News & General
Topic: NFCU Military Appreciation Month
Replies: 6
Views: 815

NFCU Military Appreciation Month

Navy Federal Credit Union is sponsoring its annual military appreciation month (May 2016) with a 15-month, 3% APY certificate offering for its members. There is a $10K limit per member and also their spouse if the spouse is a member. :moneybag
by tomd37
Mon May 02, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: File an amended tax return, or just wait?
Replies: 5
Views: 383

Re: File an amended tax return, or just wait?

With a "G" in box 7, even if you did report it that amount is non-taxable. I doubt you will hear from the IRS as they know it is non-taxable.
by tomd37
Mon May 02, 2016 10:07 am
Forum: Personal Finance (Not Investing)
Topic: File an amended tax return, or just wait?
Replies: 5
Views: 383

Re: File an amended tax return, or just wait?

What is the code in box 7 of the 1099-R?
by tomd37
Fri Apr 29, 2016 7:16 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 7128

Re: So,are Bogleheads Bourbon or Scotch drinkers?

Definitely a scotch whisky drinker here; primarily blended for everyday use (1.75L Chivas Regal 18yr @$90) and single-malt for special situations (.750L Glenmorangie Qunita Ruban Port Cask Finish @$50) and both on the rocks. Wife likes Grey Goose vodka for her gimlet or dirty martini.
:sharebeer
by tomd37
Thu Apr 28, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Young Male Living with Parents
Replies: 83
Views: 4696

Re: Young Male Living with Parents

TheBestorNothing, Keep your radio tuned to WGAS (Who gives a s---). You are doing fine and don't worry what others think. Many of the readers and posters here are probably very envious of you and your position right now. Things probably will change and you are well ahead of many others. Congratulati...
by tomd37
Thu Apr 28, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 5734

Re: What's become of Consumer Reports?

I have had a continuous subscription to CR since January 1965 and I am very disappointed in the recent changes in content and format and probably will not renew my subscription. :annoyed I always subscribed at the five year rate of $99.
by tomd37
Wed Apr 20, 2016 3:18 pm
Forum: Investing - Theory, News & General
Topic: Did Rick Ferri sell his firm?
Replies: 21
Views: 5748

Re: Did Rick Ferri sell his firm?

Nobody at Portfolio Solutions would answer my direct question this afternoon "Is Rick Ferri still associated with Portfolio Solutions?" They just passed me from one person to another (three of them) before I hung up without an answer. :annoyed Maybe Rick will come online here and answer th...
by tomd37
Sat Apr 16, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Refund (Where Did It Go)
Replies: 21
Views: 1324

Re: Tax Refund (Where Did It Go)

My $10 federal tax refund went into our joint account as does any refund. :sharebeer I always try to cut it close and not have much of a refund or owe less than $1,000. :moneybag
by tomd37
Wed Apr 13, 2016 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 6941

Re: Retirees: what's your Withdrawal Rate for this and last year?

Like others on this site, I have to take the RMD required percentage each year and have no choice as to the percentage to be taken. That said, I do have the option of investing any "excess" funds in a taxable account and make any necessary adjustments in my nontaxable account to maintain m...
by tomd37
Wed Apr 06, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: How do you use AmEx reward dollars to pay bill?
Replies: 13
Views: 1140

Re: How do you use AmEx reward dollars to pay bill?

I have the "original" AMEX Blue Cash Card and since 2001 have been going online and claiming my cash rebate and having it posted as a credit to my account. It's usually in the range of six to seven hundred dollars per year for this retiree. :moneybag
by tomd37
Thu Mar 31, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Buying Washer and Dryer - what to look and where to buy
Replies: 21
Views: 1599

Re: Buying Washer and Dryer - what to look and where to buy

Commenting to those who posted about Speed Queen top loaders, my Consumer Reports issue arrived today and I commented to my wife the fact that I have never seen a review of or comments about Speed Queen washers in the 50 years of my CR subscription. She suspects it may be because CR considers Speed ...
by tomd37
Wed Mar 30, 2016 9:05 pm
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 61
Views: 5684

Re: Do you pay for yardwork?

At age 79 (wife is older) I now gladly pay to have my 1/3 acre of grassed area mowed and trimmed weekly for $42 per week. Up until this year I would do the cutting in March and early April and then again October through December and have them do it in the remaining hot months her in middle Tennessee...
by tomd37
Tue Mar 29, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: Installing AC: Rheem vs. Trane (or other) system
Replies: 28
Views: 2490

Re: Installing AC: Rheem vs. Trane (or other) system

According to my long-time HVAC company owner, American Standard and Trane are virtually identical equipment being produced on the same production line and just ending up with a different label. I have used this HVAC company for twenty years and trust him implicitly.
by tomd37
Fri Mar 25, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to file 1095-B on tax return
Replies: 3
Views: 507

Re: How to file 1095-B on tax return

JustCurious, I suspect your tax preparer, as a paid tax preparer, does need a copy of the 1095-B for their files just as copies of other tax documents are needed. But be sure you have a copy of it in your retained files just as you would with any other document supporting your tax return. It is not ...
by tomd37
Wed Mar 23, 2016 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Contributing to Deductible IRA
Replies: 2
Views: 243

Contributing to Deductible IRA

Person age 69 contributed $6,500 to deductible traditional IRA not realizing until getting ready to file federal tax return that her income level will only allow for a $3,310 deduction on Form 1040 with the remainder being a nondeductible contribution on Form 8606. Right now don't know when the cont...
by tomd37
Sun Mar 20, 2016 8:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Knoxville/East TN chapter Established
Replies: 18
Views: 1984

Re: Knoxville/East TN chapter?

Don't worry about the driving to the Nashville chapter, it never formed again despite the queries. :(
by tomd37
Sun Mar 20, 2016 6:12 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads Code (my short version)
Replies: 27
Views: 4979

Re: The Bogleheads Code (my short version)

+1 :thumbsup to Rick's last post
by tomd37
Sun Mar 20, 2016 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Question about filing amended taxes
Replies: 7
Views: 408

Re: Question about filing amended taxes

Duplicate post.
by tomd37
Sun Mar 20, 2016 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Question about filing amended taxes
Replies: 7
Views: 408

Re: Question about filing amended taxes

My recommendation would be not to mail an amended return until you know that your amount due has cleared the IRS system and your bank. Then you can have someone mail an amended return for you including the additional amount due on that amended return. I do a number of amended returns each year for t...
by tomd37
Sat Mar 19, 2016 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my recently widowed mom
Replies: 23
Views: 1732

Re: Help me help my recently widowed mom

Bruce is trying to be helpful to all the other readers of this post to help them better understand situations they may be faced with in the future. He has probably guided many people in the setting up of their trusts and did not intend for his comment to come across in any other way than to be helpf...
by tomd37
Mon Mar 14, 2016 7:21 pm
Forum: Investing - Theory, News & General
Topic: podcast: Bogle on Bloomberg 'Masters in Business'
Replies: 29
Views: 2846

Re: podcast: Bogle on Bloomberg 'Masters in Business'

Duckcalldan,
I listened to the entire interview and I seem to remember Jack mentioning an intermediate-term bond index fund containing about 35% treasury/govt bonds, but I cannot find a VG fund at that level
by tomd37
Sun Mar 13, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Sales Tax Deduction is Miserly -- here's my way
Replies: 12
Views: 1639

Re: Standard Sales Tax Deduction is Miserly -- here's my way

Sounds like dodecahedron is a TCE or VITA volunteer. :thumbsup
by tomd37
Mon Mar 07, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 Federal taxes due and amending return
Replies: 8
Views: 613

Re: 2015 Federal taxes due and amending return

All I will add is that the many of us on this site doing volunteer tax preparation services in VITA and TCE year after year would not recommend submitting a 1040X until the original 1040 is completely reconciled by the IRS.
by tomd37
Mon Mar 07, 2016 10:07 am
Forum: Personal Finance (Not Investing)
Topic: 2015 Federal taxes due and amending return
Replies: 8
Views: 613

Re: 2015 Federal taxes due and amending return

Most definitely do not file an amended return until you have paid the original amount due AND have received proof that the original amount due has been received and processed by the IRS. It will then take about 8 to 12 weeks for the IRS to process the 1040X. The 1040X must be mailed to the IRS.
by tomd37
Sun Mar 06, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Accessing AMEX Credit Card Account
Replies: 6
Views: 522

Re: Accessing AMEX Credit Card Account

Got the problem resolved. Ended up deleting the "favorites" link completely, cleared the cache, restarted the computer and set up a new link, and everything works just fine. Thanks for the help.
by tomd37
Sun Mar 06, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Accessing AMEX Credit Card Account
Replies: 6
Views: 522

Re: Accessing AMEX Credit Card Account

That is exactly what I do and no issues by going to the other two browsers. My question is about why it does not access using IE 11 where the account has been established and book marked for years.

PS: And by the way that icon reminds me of the four months spent in Antarctica in 1964 with USNMCB-6
by tomd37
Sun Mar 06, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Accessing AMEX Credit Card Account
Replies: 6
Views: 522

Accessing AMEX Credit Card Account

As an older person I don't understand why access to my account differs between browsers. Recently I am having trouble accessing my account using the link already established using IE 11, but I can immediately access the account switching to Mozilla Firefox or Google Chrome browsers. Can someone expl...
by tomd37
Sun Feb 28, 2016 10:28 pm
Forum: Personal Consumer Issues
Topic: Dusty House
Replies: 20
Views: 2243

Re: Dusty House

From my HVAC guy! Don't use too high a MERV rated return air filter. It can be too fine and restrict the return air flow to the unit and damage it. We use the second lowest rated 3M Filtrete filter available at Lowes and he said that's about the highest he would recommend unless there are unique hea...
by tomd37
Sun Feb 28, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: Dusty House
Replies: 20
Views: 2243

Re: Dusty House

BV3273 et al, Do you happen to have a whole house humidifier attached to your duct work spraying a fine water mist into the heating ductwork? I have used a system like that for a number of years and then last year we started noticing a very, very fine talcum-like dust throughout the house and even i...
by tomd37
Sat Feb 27, 2016 3:31 pm
Forum: Investing - Theory, News & General
Topic: RMD and Federal income tax
Replies: 14
Views: 1608

Re: RMD and Federal income tax

CWRadio, Since you are withdrawing monthly you should have federal tax withheld monthly. I cannot speak to state tax withholding. I take an annual RMD in November and have the proper federal tax (no state tax in TN) withheld at that time to meet the balance of my federal tax withholding needs for th...
by tomd37
Sat Feb 27, 2016 8:07 am
Forum: Personal Consumer Issues
Topic: [Any risk in] Paying cash for services [when offered a discount]
Replies: 61
Views: 5339

Re: Paying cash for services

If I was in this situation I would pay by check. That way, with the canceled check as a receipt, I could prove the invoice was paid should proof ever be required. Anyone can write or stamp "Paid" or "Paid in Full" on an invoice.
by tomd37
Fri Feb 26, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Mice and termite issues
Replies: 32
Views: 2233

Re: Mice and termite issues

crazyapple, I definitely would not use Terminix. I used them for a whole house treatment drilling into the foundation walls around the perimeter of the home some 20 years ago. Have never had any termites, but the $95 annual fee has increased to $265 annually. My current contract expires next month a...

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