Search found 2368 matches

by tomd37
Mon Aug 29, 2016 10:03 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 401K of deceased Dad?
Replies: 10
Views: 1524

Re: What to do with 401K of deceased Dad?

Wade,
The assistance provided on this site is "commonplace" here and I for one am very appreciative of the participants here. I have been reading this forum and it predecessor for what I think is about twenty years now. Thanks to all who participate here. :thumbsup
by tomd37
Sat Aug 27, 2016 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Best book on Taxes?
Replies: 9
Views: 924

Re: Best book on Taxes?

Agree with Jim on 4491. Only wish it was still available in print as I don't like reading stuff like that online. But everything is going online and out of print these days. I just hope Pub 4012 remains in print as the primary document for TCE/VITA, but even that is being threatened these days. Got ...
by tomd37
Fri Aug 26, 2016 8:54 pm
Forum: Personal Consumer Issues
Topic: Surprised by Costco Citi VISA first statement
Replies: 28
Views: 3538

Re: Surprised by Costco Citi VISA first statement

Allocationist, As mentioned by a previous poster, it all depends on how the merchant is registered (i.e., merchant code). It took me almost two years working with my nearest Publix Supermarket to get them to change their merchant code to reflect they are a grocery store. All the other Publix stores ...
by tomd37
Wed Aug 24, 2016 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about VG PAS
Replies: 5
Views: 473

Re: Questions about VG PAS

Friar - Once again, as on other posts you have made or responded to mine, we seem to have very similar mindsets. I have subscribed to your post so I am alerted to responses to it as I have virtually the same thoughts as you posted. Maybe great minds thinking alike :?:
by tomd37
Wed Aug 24, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Buying a house from in laws...what steps?
Replies: 7
Views: 598

Re: Buying a house from in laws...what steps?

And yet another thing to think about, in addition to everything else already mentioned, is your cost basis that will be needed when you get ready to sell the home. That basis will be used to determine if you made a profit or loss on your sale of the home down the road.
by tomd37
Mon Aug 22, 2016 8:12 pm
Forum: Personal Consumer Issues
Topic: Donating to Habitat for Humanity
Replies: 3
Views: 343

Donating to Habitat for Humanity

It is the time of year for me to make my annual charitable contributions via the QCD method. I have regular charities to which I contribute annually but have thought about adding Habitat for Humanity (HFH) to the list this year. However when I look up their donation site it does not appear that I ca...
by tomd37
Mon Aug 22, 2016 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Parents' AA and advice--should they leave manager?
Replies: 18
Views: 1370

Re: Parents' AA and advice--should they leave manager?

Haymaker18, Being twenty years older than your parents, I personally would not have even considered a 80/20 asset allocation in my early sixties. I used a 60/40 allocation up to retirement at 65, then gradually took it down to a 50/50 until 75. Then, realizing I no longer had the "need" to...
by tomd37
Thu Aug 18, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: How do you handle ATM access with checking accounts?
Replies: 21
Views: 1037

Re: How do you handle ATM access with checking accounts?

I charge virtually everything to one cash rebate credit card (the original AMEX Blue Cash card) and have one other VISA credit card for the very few merchants, in our case, who do not accept AMEX. For any desired cash needs, I make an ATM withdrawal periodically from my NFCU checking account and kee...
by tomd37
Thu Aug 18, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 39
Views: 3010

Re: Gutters and gutter guards

Yep, no gutters of any type are going to do any good for you if they are not sloped correctly and sized properly for your conditions. In addition the downspouts must also be sized properly. Good luck!
by tomd37
Wed Aug 17, 2016 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Correcting allocations towards 3-fund portfolio
Replies: 2
Views: 230

Re: Correcting allocations towards 3-fund portfolio

I will comment before someone else does; you need to identify your holdings with their name and symbol. Most people don't know them nor will they look them up.
by tomd37
Tue Aug 16, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Calculation of Annual Dividends & Interest
Replies: 1
Views: 205

Calculation of Annual Dividends & Interest

If I wanted to get an estimate the total annual dividends and interest received and reinvested last year (2015) from a full year $I00K investment in one fund (e.g. Wellesley Income VWIAX) to compare with the same income I received from the investment in funds I had last year, can that be done and ho...
by tomd37
Tue Aug 16, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 44
Views: 8514

Re: AAA Car Batteries

My first dealing with AAA car batteries was two years ago when I replaced the five-year old battery in my wife's 2001 Lexus ES300 with one from AAA. They came to the house, tested it, and replaced it for me for $131. My second dealing with AAA was three weeks ago when I preemptively replaced the six...
by tomd37
Mon Aug 15, 2016 8:54 am
Forum: Personal Finance (Not Investing)
Topic: USAA worth it?
Replies: 23
Views: 2858

Re: USAA worth it?

62caster,
You mention you bank with USAA and I wonder if you might qualify in any way to join the Navy Federal Credit Union whom in my opinion has much better rates. I've been with both USAA and NFCU since 1961 and NFCU various savings rates are much better in my opinion.
by tomd37
Sun Aug 14, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: HOA Ruling
Replies: 34
Views: 3689

Re: HOA Ruling

Ours require 3/4 to approve amendment.
by tomd37
Sun Aug 14, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: HOA Ruling
Replies: 34
Views: 3689

Re: HOA Ruling

It is my understanding that the CCRs cannot override some things. For example, I think the FCC rule change about twenty years ago or so overrules the old CCRs formed prior to that. Another example in our CCRs is that cars cannot be parked on our streets except for social activities. Well since our s...
by tomd37
Sun Aug 14, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: bifiocals vs progressive lenses - value/cost
Replies: 20
Views: 1243

Re: bifiocals vs progressive lenses - value/cost

Just curious. I have used bifocals with the line for forty years now. Some years ago I attempted the use of progressive trifocals but could not easily adapt to them so I went back to the usual bifocals. Recently I learned through Costco that they could take my bifocal prescription and make an automa...
by tomd37
Sun Aug 14, 2016 9:11 am
Forum: Personal Finance (Not Investing)
Topic: HOA Ruling
Replies: 34
Views: 3689

Re: HOA Ruling

And new neighbors moving in sometime in the future might change things.....
by tomd37
Sun Aug 14, 2016 8:27 am
Forum: Personal Finance (Not Investing)
Topic: HOA Ruling
Replies: 34
Views: 3689

Re: HOA Ruling

In my community, the CCRs were originally imposed back in 1988 and have been amended several times. But those amendments had to follow certain procedures as stated in the CCRs and properly voted upon by a certain percentage of the homeowners for either approval or disapproval. I suggest you research...
by tomd37
Sat Aug 13, 2016 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Accounts - How do you use it?
Replies: 103
Views: 5483

Re: Joint Accounts - How do you use it?

I have to agree with the way Toons states it. For the fifty years of marriage (in November) there has only been one joint account and neither of us has ever questioned a purchase the other has made. We do talk about and agree to major purchases affecting both of us. I personally did make a poor deci...
by tomd37
Fri Aug 12, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones did not withhold Inherited IRA taxes
Replies: 5
Views: 381

Re: Edward Jones did not withhold Inherited IRA taxes

Crow Hunter
Maybe if you give more specifics about the inherited IRA you might get some better responses. For example, what type of IRA, from whom inherited, etc..
by tomd37
Thu Aug 11, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: air conditioning filters
Replies: 36
Views: 2586

Re: air conditioning filters

I have a good friend who owned and operated a HVAC business all his life until retirement a couple of years ago. He always recommended the Filtrete one-inch filters, but also told me not to use the filters with the higher MERV ratings as they can reduce the air flow to the unit and cause issues. He ...
by tomd37
Wed Aug 10, 2016 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Strategy Funds
Replies: 32
Views: 3545

Re: Vanguard Life Strategy Funds

As we enter our 80's I am thinking about the possibility that I might no longer be able to manage our 40/60 stock/bond Vanguard tax-deferred portfolio that is basically the 3 fund plus REIT Index. Also thinking about the management of the portfolio after my demise, assuming that I pass first. The Li...
by tomd37
Sat Aug 06, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Decline & Investing
Replies: 12
Views: 1917

Re: Personal Decline & Investing

I had just posted a few hours ago on the Investing-Help with Personal Investments forum about basically the same situation in which I am thinking about simplifying our AA to make things easier on my spouse should I start to decline. I have all the necessary documents established within our joint rev...
by tomd37
Sat Aug 06, 2016 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Portfolio As We Age
Replies: 1
Views: 390

Simplifying Portfolio As We Age

Retired couple (80) here with a fairly simple 40/60 stock/bond tax-deferred account asset allocation consisting of four funds: VBILX – Intermediate-Term Bond Index – 60% VTSAX – Total Stock Market Index – 20% VTIAX – Total International Stock Index – 10% VGSLX – REIT Index – 10% VBILX has been provi...
by tomd37
Tue Aug 02, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: Are these home [insulation] items worth it?
Replies: 18
Views: 1774

Re: Are these home installation items worth it?

TYJack, I can speak from experience about insulating the area around pull-down stairs leading to the attic. AtticTent has excellent products that I use and highly recommend. You can find them listed at http://www.attictent.com. Research them on their website then search for the product desired at ot...
by tomd37
Sun Jul 31, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Hazardous Tree
Replies: 7
Views: 764

Re: Hazardous Tree

Does your HOA have a management company under contract? If so send them a letter also as sometimes they have more power over a non-responsive HOA President or Board. I speak from experience dealing with a poor HOA President.
by tomd37
Sun Jul 31, 2016 1:56 pm
Forum: Personal Consumer Issues
Topic: Hazardous Tree
Replies: 7
Views: 764

Re: Hazardous Tree

Philip - I have been through your particular situation. There was a sixty-foot diseased and dying tree in the common area behind our home that was dropping large limbs onto my property. Insurance companies state that if the tree or parts of it fall onto my property it is my financial responsibility ...
by tomd37
Sun Jul 31, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Sink Hole in Yard
Replies: 9
Views: 1157

Re: Sink Hole in Yard

Neilpilot, My homeowner insurance in Tennessee with USAA used to automatically include sinkhole coverage, but about four years ago it was excluded from the basic policy and became subject to an additional coverage premium, I think $108 off the top of my head. Well worth it in my opinion for middle TN.
by tomd37
Sat Jul 30, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: Sink Hole in Yard
Replies: 9
Views: 1157

Re: Sink Hole in Yard

We have found some rather large "sink holes" in our neighborhood and had to them investigated further. From the topography of the land, and based on comments of older residents in the area familiar with the landscape before development more than 25 years ago, it appears these "deep ho...
by tomd37
Sat Jul 30, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 6294

Re: New Tipping Practice?

BFG - Based on my thinking and experience, you have a minimum of twenty-five years before I consider being elderly. And old is beyond that :!:
by tomd37
Thu Jul 28, 2016 9:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Growth just closed (effective *now*)
Replies: 62
Views: 6105

Re: Vanguard Dividend Growth just closed (effective *now*)

Not that I am interested in this fund, but in the past some "closed" funds have been available to Flagship level participants as a new fund. A call to Vanguard can confirm/deny that.
by tomd37
Tue Jul 26, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: Toyota Venza info wanted for 2011 and 2012
Replies: 9
Views: 710

Re: Toyota Venza info wanted for 2011 and 2012

Chris, I have a 2010 Venza FWD 4-cyl that will be six years old the end of August. I only have 29K miles on it but have had no issues other than the left wheel bearing went out at almost 25K and was covered under the warranty. I have 19" tires on it and the 6-cyl uses 20". Both can be expe...
by tomd37
Tue Jul 26, 2016 8:44 am
Forum: Personal Consumer Issues
Topic: 50 gal gas water heater replacement
Replies: 24
Views: 2418

Re: 50 gal gas water heater replacement

Mrxyz, It is my understanding that most water heaters here in the US are manufactured by a very few number of companies, but sold under many various labels. I believe State Industries is one of the largest manufacturers. Do some research online on a search engine. More information about family size,...
by tomd37
Mon Jul 25, 2016 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Rate Our Monthly Budget
Replies: 13
Views: 1607

Re: Rate Our Monthly Budget

Based on reading another post on the Bogleheads forum this morning, another budget item to be considered by most non-retirees would be savings.
by tomd37
Mon Jul 25, 2016 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Rate Our Monthly Budget
Replies: 13
Views: 1607

Re: Rate Our Monthly Budget

HardHitter, We are a retired couple more than 2.5 times your age, but have had a written budget before and after retiring and looking at them for the last 15 years I can see how some categories increased or decreased. SwampDonkey has provided a similar budget, but I will list the categories we use. ...
by tomd37
Sun Jul 24, 2016 8:55 am
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 45
Views: 3659

Re: 20% In REITS?

Maybe I am misinterpreting some of the previous comments, but I wish people would clearly state in their comments whether they are expressing the percentage of REITS as a percentage of the stock portion of their portfolio or as a percentage of their total portfolio. :?
by tomd37
Thu Jul 21, 2016 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: RMD - Thinking Getting Fuzzy
Replies: 9
Views: 1352

Re: RMD - Thinking Getting Fuzzy

Those last three posts, by SeeMoe, Alan S., and itstoomuch, are basically exactly what I am doing and thinking. LTC is and has been covered to the extent of our policy since 1997. Lost some additional retirement LTC coverage when my former employer went bankrupt after almost 110 years in existence (...
by tomd37
Wed Jul 20, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 7032

Re: HOA Swimming Pool Trespassing Issue

BolderBoy, I would be interested hearing the results of the security guard consideration. We had young people dealing drugs in our pool parking lot and when we looked into hiring a security guard patrol of the area we found a lot of issues. For example their cost was high, they would only contract f...
by tomd37
Wed Jul 20, 2016 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: RMD - Thinking Getting Fuzzy
Replies: 9
Views: 1352

RMD - Thinking Getting Fuzzy

As I approach yet another year of RMDs my thinking is not as sharp as it used to be. Specifically in the area of when to actually take the RMD. Heretofore I have always taken my QCD and remaining RMD near the end of the year without any regard to what the market was doing or might do. This bull run ...
by tomd37
Mon Jul 18, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]
Replies: 81
Views: 6226

Re: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]

Joey_Freshwater, As has been pointed out to you many times thus far in this post, you and your landlord definitely have an issue here with an a/c unit that has problem that is not allowing the unit to operate properly. And to go along with that the landlord has hired a technician that does not have ...
by tomd37
Mon Jul 18, 2016 9:42 am
Forum: Personal Consumer Issues
Topic: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]
Replies: 81
Views: 6226

Re: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]

I have my units (2) serviced twice a year for the cooling and heating systems. In spring my technician turns off the power to the outside a/c unit, removes the grill on top of the fan blade unit so he can gain access from the inside of the coils, hand sprays the fins from the outside with a product ...
by tomd37
Sat Jul 16, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Another Scam Warning
Replies: 5
Views: 897

Re: Another Scam Warning

Got several of the same type calls late last year. Caller's problem is that I don't have any grandchildren :oops:
by tomd37
Wed Jul 13, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 6489

Re: Car totaled, no collision insurance

When my 1993 Mercury Sable was three months old two deer came out of the woods onto the roadway. One got away but the other got the front end of my car to the sum of $2,300 damage. It was all covered by my comprehensive coverage (North Carolina) at the time and no charges to my premium. Am wondering...
by tomd37
Wed Jul 13, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Allowances to claim on W4
Replies: 9
Views: 627

Re: Allowances to claim on W4

new2bogle, Follow Steph's suggestions for now, but when you get ready to fill out a new W-4 pay attention to specifics and terminology. You are not claiming exemptions on a W-4, you are claiming allowances, the number of which can significantly exceed exemptions allowed on your tax return. Based on ...
by tomd37
Wed Jul 13, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Allowances to claim on W4
Replies: 9
Views: 627

Re: Allowances to claim on W4

I always found, during my working years, that if you carefully follow the instructions/guidance for completing the W-4 form it result in the proper withholding that will not result in an excessive federal tax withholding and a refund. I believe there used to be a limit of ten allowances that would r...
by tomd37
Tue Jul 12, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: Tax Preparation--Anyone try this as second income
Replies: 40
Views: 5242

Re: Tax Preparation--Anyone try this as second income

That doesn't sound good Kaneohe! :annoyed I wonder right now how big the IRS mistake is or will be :?:
by tomd37
Tue Jul 12, 2016 8:54 am
Forum: Investing - Theory, News & General
Topic: Short Bond Index Funds - High Turnover.
Replies: 14
Views: 1104

Re: Short Bond Index Funds - High Turnover.

My guess is that it is because the funds contain mostly "short-term" bonds that mature anywhere between one and three years, therefore they must be replaced as frequently as they mature, thus a very high turnover rate.
by tomd37
Mon Jul 11, 2016 4:51 pm
Forum: Personal Consumer Issues
Topic: Tax Preparation--Anyone try this as second income
Replies: 40
Views: 5242

Re: Tax Preparation--Anyone try this as second income

I have started this post on three occasions now, but deleted the first two. It appears we have a number of VITA and TCE volunteers in this community, including myself, and to you all who volunteer thank you. I start my 14th year this coming tax season having worked in both programs but predominately...
by tomd37
Sun Jul 10, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Tax Preparation--Anyone try this as second income
Replies: 40
Views: 5242

Re: Tax Preparation--Anyone try this as second income

For those of you who have taken the H&R Block tax course and then worked for them for any period of time I would ask these questions. How are their charges for a return determined and do they "up sell" by adding more forms than are really necessary to a tax return?
by tomd37
Wed Jul 06, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 5811

Re: Costco Tires - Anyone ever frustrated?

Costco service will vary from location to location, depending on consumer demand, size of tire service facility, established store policies, etc. I believe each store will vary and valid comparisons cannot be made online.

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