Search found 2432 matches

by tomd37
Sat Nov 26, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing federal withholding
Replies: 9
Views: 956

Re: Reducing federal withholding

SlowMoving - Do you know how long it is going to take your employer to implement the new withholding once you submit it?
by tomd37
Wed Nov 23, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: Where to buy a Vanguard hat?
Replies: 44
Views: 4366

Re: Where to buy a Vanguard hat?

That's what happened to me - I ordered the one with Vanguard written out and they sent me the V one. Around here (Nashville area) V equates to Vanderbilt University and I am not and don't want to be associated with them. Thus I now have two and both are khaki in color sort of maroon lettering. V is ...
by tomd37
Wed Nov 23, 2016 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard's website having issues??
Replies: 1
Views: 325

Re: Is Vanguard's website having issues??

Mine appear to be correct. What specifically is wrong with yours?
by tomd37
Wed Nov 23, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Where to buy a Vanguard hat?
Replies: 44
Views: 4366

Re: Where to buy a Vanguard hat?

Arctic,
If you are ordering a cap be sure to clearly specify which one you want as I speak from experience. They have a habit of substituting one for the other.
by tomd37
Mon Nov 21, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Which single fund to invest in for widow?
Replies: 20
Views: 2194

Re: Which single fund to invest in for widow?

Sorry, I missed that statement :oops:
by tomd37
Mon Nov 21, 2016 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Which single fund to invest in for widow?
Replies: 20
Views: 2194

Re: Which single fund to invest in for widow?

Watty - I am not sure to whom your reply is intended. I suspect me because the OP does not refer to a 4-fund portfolio. Can you clarify please?
by tomd37
Mon Nov 21, 2016 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Which single fund to invest in for widow?
Replies: 20
Views: 2194

Re: Which single fund to invest in for widow?

RadAudit, At age 79 (wife 81) I recently had the same thought as you and my wife would have the same thoughts as your wife does as far as managing a portfolio. I have made a decision that she should go to the Vanguard Wellesley Income Fund Admiral Shares (VWIAX) if I pass first and I would consider ...
by tomd37
Mon Nov 21, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: Any recommendations on washers and dryers?
Replies: 24
Views: 1162

Re: Any recommendations on washers and dryers?

lthenderson,
It is my understanding the Whirlpool makes Speed Queen for Canada only. Amana, now owned by Whirlpool, made older domestic models for Speed Queen. Not sure either whether we are talking the commercial or non-commercial models here. Just my understanding.....
by tomd37
Mon Nov 21, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Why does it take days for return credits back to credit cards?
Replies: 4
Views: 543

Re: Why does it take days for return credits back to credit cards?

It all depends on the vendor - I see many of my returns within thirty-six hours from places like Target and Lowes. Others may take as many as three days, but usually no longer. I use the original AMEX Blue Cash Reward card for virtually all purchases. I have it set so that I get an email reflecting ...
by tomd37
Mon Nov 21, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Where to buy a Vanguard hat?
Replies: 44
Views: 4366

Re: Where to buy a Vanguard hat?

I sent an email this morning to Swervepoint, LLC inquiring as to the availability of their website for ordering Vanguard gear. Meaghan Coleman, Program Order Coordinator responded immediately stating "Unfortunately the website is down for maintenance. If you would like to order Vanguard gear pl...
by tomd37
Sat Nov 19, 2016 8:04 pm
Forum: Personal Consumer Issues
Topic: Home remodel - all at once or in stages?
Replies: 16
Views: 1712

Re: Home remodel - all at once or in stages?

We did a similar major renovation five years ago. My recommendation would be to have a very good, experienced general contractor (GC) in charge and do everything as one whole project. That way you only have the mess once, and there will be a big mess! Your GC will have his own sub-contractors on cal...
by tomd37
Sat Nov 19, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 7844

Re: Honda Cars

For Jimb_,

I agree with your comment about renting and driving a proposed purchase for a week, but where does one find the specific year and model to rent? I don't rent many cars these days, but I suspect finding a new model year in a specific model line might be difficult.
by tomd37
Fri Nov 18, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Where to buy a Vanguard hat?
Replies: 44
Views: 4366

Re: Where to buy a Vanguard hat?

I don't know what has happened in the last several weeks to the website http://www.vanguardgear.com. Several weeks ago I asked my daughter to order a Vanguard ball cap for me which she did and she delivered it to me. Now the website says "There is a problem with this website's security certific...
by tomd37
Sun Nov 13, 2016 1:11 pm
Forum: Personal Consumer Issues
Topic: Speed Queen Owners -- Feedback Requested
Replies: 8
Views: 1163

Re: Speed Queen Owners -- Feedback Requested

Also the upper lines of Speed Queen HE top-loading washers with electronic controls have a 5-year warranty on the control panel vs. 3-years on the manual control panel models.
by tomd37
Sun Nov 13, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Taxes-Married Filing Jointly or Head of Household?
Replies: 9
Views: 550

Re: Taxes-Married Filing Jointly or Head of Household?

Huey - I responded as I did since there was no mention of a qualified dependent in the original post. All too often posters initially leave out information on which to base an accurate reply.
by tomd37
Sun Nov 13, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Taxes-Married Filing Jointly or Head of Household?
Replies: 9
Views: 550

Re: Taxes-Married Filing Jointly or Head of Household?

If you are legally married as of 12/31/2016 you only have two filing choices; married filing jointly and married filing separate. MFJ is almost always the best choice, but not in every case.
by tomd37
Wed Nov 09, 2016 5:43 pm
Forum: Investing - Theory, News & General
Topic: Checkwriting from IRA account for charitable contributions
Replies: 13
Views: 671

Re: Checkwriting from IRA account for charitable contributions

One fund withdrawal as suggested by Parthenon is a very good idea. I do it that way as part of rebalancing if needed, but did not think about the work aspect of the multiple fund sources.
by tomd37
Wed Nov 09, 2016 5:26 pm
Forum: Investing - Theory, News & General
Topic: Checkwriting from IRA account for charitable contributions
Replies: 13
Views: 671

Re: Checkwriting from IRA account for charitable contributions

Cjon, I think blocking out 45 minutes (they usually block out more than is needed) for thirteen different QCDs is appropriate. I don't know what all they have to go through but that is reasonable in my opinion. Mine may have taken a bit more, but I know we did not use the 30 minutes I had set up. Sy...
by tomd37
Wed Nov 09, 2016 2:41 pm
Forum: Investing - Theory, News & General
Topic: Checkwriting from IRA account for charitable contributions
Replies: 13
Views: 671

Re: Checkwriting from IRA account for charitable contributions

Cjon, I have been making QCDs out of my Vanguard IRAs for a number of years now. I have a very simple method that has worked very well for me and for my Flagship representative. Did ten of them back in late September and similar numbers in prior years. I make one list of the name of the charities (n...
by tomd37
Sun Nov 06, 2016 8:05 pm
Forum: Personal Consumer Issues
Topic: Garage door opener issue
Replies: 19
Views: 1388

Re: Garage door opener issue

Is the roller in question of metal or nylon? I don't think nylon rollers are to be lubricated.
by tomd37
Mon Oct 31, 2016 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: American Opp Tax Credit - 4 year rule?
Replies: 7
Views: 700

Re: American Opp Tax Credit - 4 year rule?

The AOC tax credit can only be claimed in four tax years. So if it take seven years to obtain an undergraduate degree, you can only claim the credit on four tax returns.
by tomd37
Sun Oct 30, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Pre pay insurance to increase tax deductions
Replies: 9
Views: 763

Re: Pre pay insurance to increase tax deductions

DSInvestor, Your statement for deducting medical expenses in excess of 10% of AGI is correct for taxpayers under age 65. For those of us over age 65, tax year 2016 is the last tax year in which we can deduct medical expenses in excess of 7.5% of AGI. Note that if one taxpayer is 65 or older and the ...
by tomd37
Sat Oct 29, 2016 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Another helping parents situation...
Replies: 9
Views: 2041

Re: Another helping parents situation...

kiva22, Unless your mother has dependent children (unlikely at age 72), the 2016 filing status will be married filing jointly and unless she remarries her filing status will be single starting in tax year 2017. The filing status Qualifying Widow(er) requires a qualifying child dependent and is good ...
by tomd37
Thu Oct 27, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3345

Re: How do you make your Martini?

My wife's favorite cocktail is now a dirty vodka martini, in the same proportions stated by the OP, with one-quarter teaspoon of Stilling's dirty martini mix and two pitted Spanish olives. She drinks only Grey Goose vodka. She used to drink gin martinis but about 20 or 30 years ago they turned on he...
by tomd37
Mon Oct 24, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: charity auction service--tax deductible?
Replies: 4
Views: 476

Re: charity auction service--tax deductible?

Mookie - As stated by others, the value of your time or services is not deductible as charitable contributions. I refer you to IRS Publication 17 (2015 version), pages 160 - 161 which states such and even provides a specific example. The publication is available online at http://www.irs.gov under th...
by tomd37
Sat Oct 22, 2016 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Bond book From Larry Swedroe
Replies: 15
Views: 5515

Re: Bond book From Larry Swedroe

I liked the first response (by Petrocelli). As a matter of fact I just pulled it down from my bookshelf last night to review his writing on the subject of international investing. This book covers a wide range of investing subjects.
by tomd37
Mon Oct 17, 2016 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Monthly Benefit Amount
Replies: 4
Views: 752

Re: Social Security Monthly Benefit Amount

It has not been the best of recent days; I totally misread the OP data and dates. Sorry for my error.
by tomd37
Mon Oct 17, 2016 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Monthly Benefit Amount
Replies: 4
Views: 752

Re: Social Security Monthly Benefit Amount

I thought the maximum social benefit at full retirement age was about $2,639 per month. How did you come up with your amount?
by tomd37
Thu Oct 13, 2016 10:24 am
Forum: Investing - Theory, News & General
Topic: Navy Federal Credit Union - not so different from banks
Replies: 45
Views: 3172

Re: Navy Federal Credit Union - not so different from banks

I think most people are getting off topic here. The original post refers to the $28.5M fine the NFCU was hit with. As a 55-year member of NFCU (since 1961) I am totally disgusted with the leadership and the cost to members as a result of this fine. :annoyed
by tomd37
Wed Oct 12, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: NFCU - Some Certificate Rates Drop
Replies: 3
Views: 681

Re: NFCU - Some Certificate Rates Drop

Maybe the rates have dropped as a result of the $28 million fine imposed on NFCU. :annoyed Just heard about it online but do not know how to do a link to the article.
by tomd37
Tue Oct 11, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Furnace issue
Replies: 15
Views: 1107

Re: Furnace issue

Those flashing red light codes should tell you what is wrong. Knowing the brand and model number you might be able to look up the owners manual if you don't have the manual. Sometimes I would call my heating contractor with the number of flashes and he would tell me to do something and that would fi...
by tomd37
Mon Oct 10, 2016 3:33 pm
Forum: Personal Consumer Issues
Topic: Do we need annual furnace exam?
Replies: 26
Views: 2991

Re: Do we need annual furnace exam?

Gas furnace inspection is very important with possible deadly CO (carbon monoxide) results.
by tomd37
Sun Oct 09, 2016 9:58 pm
Forum: Personal Consumer Issues
Topic: Do we need annual furnace exam?
Replies: 26
Views: 2991

Re: Do we need annual furnace exam?

I realize that the OP is talking about a heat pump system with heat strips augmentation, but I feel I must make a safety comment here. I have a natural gas pack unit (a/c and gas heat) that is coming up on 13 years of age. I have an annual spring a/c system inspection as well as a fall heating syste...
by tomd37
Thu Oct 06, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: USAA for customer service and insurance?
Replies: 14
Views: 928

Re: USAA for customer service and insurance?

Have had auto insurance with USAA continuously since 1961 and have had two no-fault claims with them during that period. Both claims were settled very quickly and fairly. Have had valuable personal property, homeowner, life, and umbrella insurances with them since 1975 with no claims. All insurances...
by tomd37
Thu Oct 06, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 5411

Re: Johnnie Walker Blue worth the cost?

Johnnie Walker scotches are a blend of scotches.
by tomd37
Tue Oct 04, 2016 7:49 am
Forum: Investing - Theory, News & General
Topic: NFCU - Some Certificate Rates Drop
Replies: 3
Views: 681

NFCU - Some Certificate Rates Drop

I just noticed this morning that some APY rates on longer period Navy Federal Credit Union certificates have dropped effective this month. :( It appears the five, six, and seven year certificate rates have dropped 0.15% to 0.20%. Shorter period rates appear to have stayed the same for now.
by tomd37
Mon Oct 03, 2016 7:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 94
Views: 13505

Re: Where is Livesoft?

Maybe he went to visit Munchkin Man! :wink:
by tomd37
Mon Oct 03, 2016 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard End of Year Statement
Replies: 12
Views: 1592

Re: Vanguard End of Year Statement

You can get either monthly or quarterly reports. I receive a copy of my daughter's statement monthly (at her request) and my statements come quarterly with the last quarter's being a year to date. Been that way for the past fourteen years.
by tomd37
Sun Oct 02, 2016 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Miscalculated my Estimated Tax Payments
Replies: 10
Views: 1141

Re: Miscalculated my Estimated Tax Payments

I believe the minimum federal withholding amount is 10% of the RMD amount, but you can use higher percentages. Don't personally know if you can use lower than 10%. Vanguard can advise you accordingly.
by tomd37
Sun Oct 02, 2016 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Miscalculated my Estimated Tax Payments
Replies: 10
Views: 1141

Re: Miscalculated my Estimated Tax Payments

Myopic Squirrel - If you have not yet taken your full RMD for 2016 and have a remaining amount of at least $4,000 then you can have $4,000 withheld for federal tax from that RMD and you will be just fine. The IRS considers federal tax withheld from RMDs as withheld throughout the year so there is no...
by tomd37
Fri Sep 30, 2016 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help!New and confused
Replies: 12
Views: 1116

Re: Help!New and confused

Student loan interest may be an above the line deduction (not an itemized deduction on Schedule A) on line 33 of Form 1040 dependent on income and filing status. See page 137 of Publication 17 available online at http://www.irs.gov under forms and publications.
by tomd37
Thu Sep 29, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Tax filing status if divorce not finalized?
Replies: 19
Views: 996

Re: Tax filing status if divorce not finalized?

SouthernCPA,
Is the difference between Injured Spouse Relief and Innocent Spouse Relief basically injured allows the assignment of income and tax refund to each taxpayer and innocent allows one of the taxpayers relief if the other fails to report proper data?
by tomd37
Wed Sep 28, 2016 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing status if divorce not finalized?
Replies: 19
Views: 996

Re: Tax filing status if divorce not finalized?

When using MFJ filing status each is signing, subject to the penalties of perjury, that the return is accurate. From what I read the OP is not so sure of that. Signing such a return I believe leaves him liable for any inaccuracies of such a return.
by tomd37
Wed Sep 28, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing status if divorce not finalized?
Replies: 19
Views: 996

Re: Tax filing status if divorce not finalized?

Are there any children involved?
by tomd37
Mon Sep 26, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 80
Views: 5866

Re: Replace car battery after X years or wait till it dies?

Yes, there is a reliable test that will tell you the condition of the battery today. But there is no reliable test that will tell you the condition of that battery tomorrow. With winter coming, and dependent on the garaging of your vehicle during the winter, I would recommend you consider replacing ...
by tomd37
Mon Sep 26, 2016 9:24 am
Forum: Investing - Theory, News & General
Topic: Christine's article today on RMD's...a question to bogleheads
Replies: 37
Views: 3565

Re: Christine's article today on RMD's...a question to bogleheads

Off the top of my head I would think the QCD distribution would be more beneficial to you regardless of whether or not you are itemizing deductions. As an example, if you are single, in the 33% marginal tax bracket, and donate $100,000 to a qualified charity via a QCD then that is $100,000 that does...
by tomd37
Sat Sep 24, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 16
Views: 1902

Re: New Garage Doors

I would not be surprised if the garage doors marketed under the name Garaga with its various model names were not in fact "Coplay" doors. They seem so similar.
by tomd37
Fri Sep 23, 2016 3:57 pm
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 16
Views: 1902

Re: New Garage Doors

Ten days ago I placed an order with a local garage door installation and repair company (been using them since 2003) for a 16' x 7' double-door Clopay Classic Premium Series, Model 9203, 4 panel (no glass), almond color door for a total of $1,225. That includes 2-inch polyurethane insulation (18.4 R...
by tomd37
Thu Sep 22, 2016 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Morningstar portfolio gone
Replies: 4
Views: 412

Re: Morningstar portfolio gone

I only use the Morningstar X-Ray and when logging on this morning it says the service is unavailable.
by tomd37
Tue Sep 20, 2016 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Should we switch to Amica & increase our Homeowners/Umbrella coverage?
Replies: 11
Views: 920

Re: Should we switch to Amica & increase our Homeowners/Umbrella coverage?

My primary concern concerning insurers would be how well they respond to claims if needed. Cost would be secondary, but also of concern. Had a neighbor with homeowners insurance through Auto-Owners Insurance with a six-digit claim that took more than a year to resolve and even then it was not to the...

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