Search found 664 matches

by user5027
Mon Feb 27, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Buffett interview Monday 2/27
Replies: 21
Views: 1557

Re: Buffett interview Monday 2/27

On his index investing bet, it was just to show an index fund will outperform active managers ... "I mean the amount of money that people have wasted on getting investment advice is just ridiculous in this country."

It is at 2:37:35 on my recording of Squawkbox.
by user5027
Tue Feb 21, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: When To Enroll in ACA (Obamacare)
Replies: 6
Views: 529

Re: When To Enroll in ACA (Obamacare)

You may want to also look at buying insurance directly from the insurance companies. I have seen policies cheaper than those on ACA.
by user5027
Fri Feb 17, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Retaining Wall
Replies: 25
Views: 2130

Re: Retaining Wall

4) Last when I suggested a stone and rock system I've seen in other neighborhoods might be the solution. He balked saying they were overpriced and the HOA would have to approve since the bylaws state only 6' wood blank fences and landscape timber retaining walls (I checked the bylaws that is accura...
by user5027
Thu Feb 16, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Can we automate Vanguard brokerage ETF purchases?
Replies: 20
Views: 876

Re: Can we automate Vanguard brokerage ETF purchases?

livesoft wrote:
user5027 wrote:I would be concerned my automatic purchase would occur at the bottom of a flash crash. :shock:

I would love, Love, LOVE for my automatic purchase to occur at the BOTTOM of a flash crash. I would guess that you are in the minority on this. :)


You caught me. :oops:
by user5027
Thu Feb 16, 2017 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Can we automate Vanguard brokerage ETF purchases?
Replies: 20
Views: 876

Re: Can we automate Vanguard brokerage ETF purchases?

I would be concerned my automatic purchase would occur at the bottom of a flash crash. :shock:

I always use limit orders and avoid the open, close and any volatility. Maybe I am paranoid, but it makes me feel better.
by user5027
Wed Feb 15, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Retire By 58, 59, 60??
Replies: 10
Views: 1696

Re: Retire By 58, 59, 60??

You should use firecalc and get a feel for a plan.
by user5027
Mon Feb 06, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: In-Laws Estate Planning - Wisdom Wanted
Replies: 50
Views: 2177

Re: In-Laws Estate Planning - Wisdom Wanted

+1 let it go.

Live your life and focus on what you can control. Whatever you inherit is icing on the cake.

I am reminded of the joke about the guy bragging to his date that he will be coming into a sizable inheritance when his old sick father dies. The date quickly runs off and marries his father.
by user5027
Mon Feb 06, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: IRA Account Strategy - Spouse Overlap
Replies: 20
Views: 1456

Re: IRA Account Strategy - Spouse Overlap

A thought for later in life when you may want more bonds in your IRA... My wife is 3.5 years older than me, 62 vs 58 (I tell everyone she robbed the cradle). My IRA balance is 7x's hers due to a 401k rollover. Because my wife would reach 59.5 first, we put more bonds in her IRA since they are less v...
by user5027
Wed Jan 25, 2017 11:02 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7357

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday!
by user5027
Wed Jan 25, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Visiting Princeton/Philadelphia, where to stay
Replies: 24
Views: 1427

Re: Visiting Princeton/Philadelphia, where to stay

Yardley Are there hotels in Yardley? I know nearby Newtown has hotels. Not on standard booking sights, the Union League has serviceable rooms and a nice free breakfast in a central location on South Broad Street if you meet the booking criteria (membership in a reciprocal club, or relationship with...
by user5027
Thu Jan 19, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Wood burning stoves - do you leave home with it burning?
Replies: 15
Views: 2448

Re: Wood burning stoves - do you leave home with it burning?

bertilak wrote:Over the years the heat from the chimney had dried out the wood and essentially turned it to tinder. It was just a matter of time before it caught.


Wow! Close one. Did you ever have the chimney inspected? We just had ours relined.
by user5027
Wed Jan 18, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: Wood burning stoves - do you leave home with it burning?
Replies: 15
Views: 2448

Re: Wood burning stoves - do you leave home with it burning?

We do the same. Have had wood stoves since 1984. Current model is a Vermont Castings Encore.
by user5027
Sun Jan 15, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Home Theater Projector
Replies: 10
Views: 687

Re: Home Theater Projector

We have had projectors going back about 20 years. Bought the first few used on ebay and started out setting them up each time on a folding end table and projecting onto a bed sheet. Last few have been permanently mounted upside down on the the ceiling and have mounted a retracting (pull down) screen...
by user5027
Fri Jan 13, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: What to do when an IRA is no longer tax-deferred? (RMDs!)
Replies: 18
Views: 2035

Re: What to do when an IRA is no longer tax-deferred? (RMDs!)

I was thinking the OP was getting at how to tax efficiently invest the RMD's after they are out of the IRA and in the taxable part of the portfolio. But maybe I was mistaken.
by user5027
Thu Jan 12, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Miami -Florida Keys visit - Late January- Suggestions
Replies: 29
Views: 2136

Re: Miami -Florida Keys visit - Late January- Suggestions

A few years the wife and I would visit her father and step mother in Cape Coral during their annual winter snow bird. They always rented the same house from early January to just before Easter. We would fly down from PA and always wanted to make a week of it but felt a week was too long to impose so...
by user5027
Tue Jan 10, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 189
Views: 12860

Re: How Bad was 2008, really?

I remember opening a mailed statement from Vanguard and thinking they had the current balance and beginning balance flipped.

People at work joked it was no longer a 401k but was now a 201k.
by user5027
Mon Jan 09, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Best Ways to Buy Time
Replies: 68
Views: 7388

Re: Best Ways to Buy Time

Grow a beard.
by user5027
Sun Jan 08, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Reverting to a Wood Burning Fireplace from Gas
Replies: 37
Views: 2022

Re: Reverting to a Wood Burning Fireplace from Gas

I would consider getting a wood stove insert. From what you describe it is an open fireplace and most of the heat goes up the chimney.
by user5027
Fri Jan 06, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: From Big CPA firm to Independent CPA to Turbotax: Strategy?
Replies: 15
Views: 1242

Re: From Big CPA firm to Independent CPA to Turbotax: Strategy?

Many thanks for your collective thoughts and advice! Another question running through my mind is tax advice: I used to just call my CPA if I had a random question. Do people who gravitated from CPA to Turbotax have a backup plan for CPA-type advice that is not related to form-filling? I've learned ...
by user5027
Fri Jan 06, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated taxes
Replies: 16
Views: 1478

Re: Estimated taxes

Just pay 100% of what your total tax was last year and no penalty, It's not always that simple. It is not uncommon for the projected current year's tax to be significantly lower than the prior year's tax, in which case your advice would not be practical. +1 As an example our 2015. I retired in Nov....
by user5027
Fri Jan 06, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: From Big CPA firm to Independent CPA to Turbotax: Strategy?
Replies: 15
Views: 1242

Re: From Big CPA firm to Independent CPA to Turbotax: Strategy?

Doing a shadow return is a good idea. My father was a self employed accountant and an enrolled agent with the IRS. For years the routine was I would do my taxes by hand and then drive the 20 minutes to see my parents. Pop would plug all the raw data into his pro turbotax and see if our answers agree...
by user5027
Thu Jan 05, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good food scale?
Replies: 14
Views: 696

Re: Can you recommend a good food scale?

We got an Oxo about 2 years ago and are happy with it.

Link
by user5027
Tue Dec 27, 2016 4:49 pm
Forum: Personal Consumer Issues
Topic: Most sustainable vehicle
Replies: 44
Views: 2719

Re: Most sustainable vehicle

Horse. There are benefits you would never think of. My great grandfather had a hauling business with a horse and wagon. After work he would stop at the tavern on the way home. If he had too many, the bartender would get my great grandfather into the wagon and smack the horse on the ass and the horse...
by user5027
Tue Dec 27, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: Cutting Trees in the Back Yard
Replies: 27
Views: 2101

Re: Cutting Trees in the Back Yard

I use to work with a guy who did side jobs like this with his friend. They had business cards that said "Buck & Bill - We'll try almost anything twice."
by user5027
Sat Dec 24, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Gift money form to help child buy a house.
Replies: 9
Views: 967

Re: Gift money form to help child buy a house.

Have done this twice. The language I recall on these forms is not specific to a gift given at the time of signing the form. In other words, you can gift the money now and then sign the form that the mortgage company wants later. I think you can even sign the form before and then provide the money be...
by user5027
Thu Dec 22, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 13569

Re: Cost of dog ownershi

mouses wrote:
Fallible wrote:
TxAg wrote:Pretty sure he/she meant killing the dog oneself (not prolonging its pain by withholding treatment). I can't say I disagree, though it's hard to do.


Yes, that's probably what he meant and thanks for noting that.


Christ.


Don't ever watch Old Yeller.
by user5027
Wed Dec 21, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Shipping Large Items Cross-Country?
Replies: 10
Views: 866

Re: Shipping Large Items Cross-Country?

When I was working we had a few. Bought a used KIP Engineering (blueprint) Printer/Copier/Scanner, like your printer but much larger, in an online auction. May have been ebay or something similar. It was in Washington state and we were in PA. Before bidding I consulted with a local KIP dealer. He sa...
by user5027
Wed Dec 21, 2016 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: job loss, portfolio and retirement advise
Replies: 39
Views: 3723

Re: job loss, portfolio and retirement advise

Sorry for your situation. Cobra was not cheaper for me. You are locked in to the plan your employer had. In my case it was a super good and expensive plan. You do not have to sign up for Cobra immediately. I think there is a 90 day period where you can retroactively start Cobra. When my son was chan...
by user5027
Wed Dec 21, 2016 8:10 am
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 176
Views: 13569

Re: The True Cost of Owning a Dog

If you ever need to experience unconditional love, lock your dog and your wife in the trunk of the car. After a half hour let them both out and see which one is happy to see you. :D
by user5027
Wed Dec 21, 2016 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion - Underwithholding Tax Penalty?
Replies: 24
Views: 1214

Re: Roth Conversion - Underwithholding Tax Penalty?

Do it right away as it takes at least two weeks to set it up (have to wait for a mailing from the IRS.) I have used IRS Direct Pay several times starting in 2015 and it never involved a mailing from the IRS. It is amazing how the government can make sending them money so easy while other things wil...
by user5027
Tue Dec 20, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Roth questions : multiple conversions, re-characterization
Replies: 4
Views: 353

Re: Roth questions : multiple conversions, re-characterization

bluejeansman wrote:I suppose I have at least the April 15 tax filing date to "undo" this, known as "re-characterization".


You have until Oct 15.
by user5027
Mon Dec 19, 2016 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Giving two weeks notice around the holidays
Replies: 58
Views: 4448

Re: Giving two weeks notice around the holidays

If they do cut you early, the new employer may be able to move up your start date.
by user5027
Mon Dec 19, 2016 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Giving two weeks notice around the holidays
Replies: 58
Views: 4448

Re: Giving two weeks notice around the holidays

It can vary. They may need you to wrap up projects or transition your work to a co-worker. With the holidays it may take more than two weeks. I've even seen former employees come back for an hour or two to resolve an issue that arose several weeks or a few month's after leaving. You never know what ...
by user5027
Sat Dec 17, 2016 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Timing of Roth IRA conversion
Replies: 30
Views: 3767

Re: Timing of Roth IRA conversion

I recharacterized part of a 2015 Roth conversion around the time I filed my 2015 tax return in April 2016. I had to mail a form to Vanguard. It was easy. I recall including an explanatory statement with the tax return in TaxAct. I also use to have to mail a form to do the Roth conversion with Vangua...
by user5027
Sat Dec 17, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Mega-bucks for health care
Replies: 5
Views: 931

Re: Daring to figure it out for myself: Mega-bucks for health care

My post retirement health care experience. With Cobra you are locked into the employer plan. My employer healthcare was so good that when I got the cobra notice I could buy an ACA bronze plan for half what cobra wanted ($900/mo vs $1,800/mo for 2 of us). That was 2015. In 2016 wife went on her emplo...
by user5027
Sat Dec 17, 2016 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Single stock conundrum
Replies: 20
Views: 1756

Re: Single stock conundrum

If you foresee a year in the 15% bracket sell enough then to take full advantage of the 0% on LT gains.
by user5027
Fri Dec 16, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 41
Views: 4422

Re: Sous Vide?

Had to google Sous Vide and had a 1960's flashback to mom "cooking" dinner (Banquet brand bag in a pot of boiling water, served over a slice of bread). I never knew we lived so fancy. It's a good day, just got the $246 RMD from Mom's Roth. A couple fancy dinners out for us in the near futu...
by user5027
Fri Dec 16, 2016 8:01 am
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 133
Views: 16991

Re: $400,000 Roth Conversions Between Ages 66-69?

After going to the trouble of starting the "horse race" I would not end the race before the finish line. A lot can happen between now and Oct 2017. Your winner could be another horse. Although that may give you the optimal result, the factor that makes the biggest difference is the share ...
by user5027
Thu Dec 15, 2016 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 133
Views: 16991

Re: $400,000 Roth Conversions Between Ages 66-69?

For 2016, I simply did the "horse race" method with 3 conversions into 3 separate roths, which I recharacterized last week (kept in the same year for simplicity reasons). After going to the trouble of starting the "horse race" I would not end the race before the finish line. A l...
by user5027
Thu Dec 15, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 5575

Re: Branch from our tree fell on neighbor's house ??

20 or 25 years ago we had a tree fall on our neighbor's car. It was a huge tree and our house shook when it came down during a strong windstorm. I ran outside to see what happen and saw the tree over the neighbor's driveway. With no car in sight, I was thinking, "Isn't my neighbor going to be s...
by user5027
Wed Dec 14, 2016 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Paying Roth conversion tax
Replies: 8
Views: 1180

Re: Paying Roth conversion tax

And you can recharacterize all or part of any 2016 Roth conversion by Oct 2017.
by user5027
Mon Dec 12, 2016 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason for retirees NOT to Roth convert?
Replies: 24
Views: 3291

Re: Any reason for retirees NOT to Roth convert?

Phil DeMuth wrote:I would put this project on hold until we see what the post-Trump tax horizon looks like.


You have until Oct 2017 to undo (recharacterize) a 2016 conversion, but you must do the conversion in 2016.
by user5027
Mon Dec 12, 2016 9:30 pm
Forum: Personal Consumer Issues
Topic: Automated Vacuums - time savings?
Replies: 9
Views: 1081

Re: Automated Vacuums - time savings?

Be careful with pets. I heard a story about a pet that had diarrhea and the roomba spread it all over the floor. :oops:
by user5027
Sun Dec 11, 2016 10:23 pm
Forum: Personal Consumer Issues
Topic: Certificate of Insurance from Prospective Contractor
Replies: 11
Views: 802

Re: Certificate of Insurance from Prospective Contractor

If you like the price tell him it is accepted conditioned on him providing a certificate of insurance acceptable to you before he starts any work.
by user5027
Sat Dec 10, 2016 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Cabinet Info
Replies: 10
Views: 1574

Re: Kitchen Cabinet Info

I replaced some 27 year old drawer slides with slides from...
http://www.cabinetparts.com/

Was very happy with my purchase. I have not bought any handles or knobs.
by user5027
Sat Dec 10, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: What if you just *stop* paying your health ins. premiums?
Replies: 10
Views: 1377

Re: What if you just *stop* paying your health ins. premiums?

OP,

I would make sure what the "grace period" is for. I think it may be the time after the due date before interest accrues on the unpaid balance. That is different from what you are saying it is.
by user5027
Fri Dec 09, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: FDIC question
Replies: 20
Views: 1888

Re: FDIC question

jafcorrea wrote:I am over the FDIC limit for a join account with capitoalone 360, maybe for 3 months

what you all think okay or big deal?


I believe the FDIC limit is per person on a joint account. Make sure you consider that.
by user5027
Fri Dec 09, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: Velux skylights
Replies: 27
Views: 2283

Re: Velux skylights

Does anyone have recommendations for shades if the skylights are already installed? We have 2 Velux skylights in our bedroom installed 18 years ago and have never had any problems, but we'd like to get shades for them without getting new skylights. The challenge is that we have vaulted ceilings and...
by user5027
Thu Dec 08, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 96
Views: 5410

Re: Where do you buy coffee beans?

Currently I buy Eight O'Clock whole beans at my local Acme Markets for my Cuisinart Grind & Brew.

Years ago I use to roast beans. I usually got the green beans from Sweet Maria's online.

I still occasionally use my burr grinder and espresso maker.
by user5027
Wed Dec 07, 2016 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Big 2016 income drop
Replies: 28
Views: 4161

Re: Big 2016 income drop

boglerocks wrote:Can I recharacterize all of my Roth conversion if necessary?


Yes.

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