Search found 686 matches

by user5027
Sun Apr 23, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 27
Views: 1939

Re: Zero-Turn Mowers

Is the steering wheel worth it or better to go with the standard controls? I just got a Toro with the steering wheel (see my post above) and like it. I wanted the zero turn but did not want to use the bars. I smoke a cigar to keep the flies at bay while I cut and enjoy a beverage. I heard the steer...
by user5027
Sun Apr 23, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Buying weekend home: suburbs or rural? (yard privacy important)
Replies: 12
Views: 906

Re: Buying weekend home: suburbs or rural? (yard privacy important)

I've lived in Bucks County most of my life. It is common for nearby residents to commute to NYC. From what you describe and if you are not tied to the area (ie. easy access to Amtrak NEC/NJTransit), I would look further north in the Poconos. Look along the I78 or I80 corridors if transportation is i...
by user5027
Fri Apr 21, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: What to do with books
Replies: 16
Views: 936

Re: What to do with books

We have used a local book drop for Better World Books...
Link
by user5027
Tue Apr 18, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: How Do Taxes Work With Rollover Roth IRA?
Replies: 11
Views: 693

Re: How Do Taxes Work With Rollover Roth IRA?

I'm kinda confused with how the taxes are calculated when it comes to a 401(k) rollover to Roth IRA. Does the money from the 401(k) get added into your income you made from your job that year then taxed. Or, is the money from the 401(k) taxed separately from income. Examples: A. You make $10,000 at...
by user5027
Sat Apr 15, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?
Replies: 11
Views: 610

Re: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?

Back before the internet I use to mail our IRA contributions to Vanguard when I mailed our federal, state and local returns. The Vanguard statements use to have a stub you could tear off and mail in with your check and they use to give you a postage paid envelope. It certainly took several days for ...
by user5027
Sat Apr 15, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?
Replies: 11
Views: 610

Re: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?

When I make an IRA contribution online at Vanguard I am asked to indicate what year the contribution is for. See if you can indicate 2016.
by user5027
Fri Apr 07, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Best deals using restaurant apps
Replies: 4
Views: 623

Re: Best deals using restaurant apps

TGI Fridays has a mobile app with a rewards program.
by user5027
Fri Apr 07, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA conversion for a retired couple
Replies: 11
Views: 659

Re: Roth IRA conversion for a retired couple

One consideration would be if they could be facing large medical expenses down the road. It could be advantageous to offset all or part of the conversion income with a medical deduction.

I've heard the suggestion to leave some tIRA for that situation.
by user5027
Wed Apr 05, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 32
Views: 1872

Re: What to see in Philly?

ArmchairArchitect wrote:Hint: You don't go to the Philadelphia Museum of Art for the "Rocky steps"...it's a world class art/artifact museum. The museum is still open.


Explain that to Lisa...
“It’s the only thing we came here for,” Lisa Desrosiers, of Boston, said


To each his own. :sharebeer
by user5027
Wed Apr 05, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 32
Views: 1872

Re: What to see in Philly?

OP,
You did not say when you would be in Philly. The Rocky (Art Museum) steps are now closed through the end of April. They are setting up the stage for the NFL Draft. Link to article...
Link
by user5027
Mon Apr 03, 2017 7:20 am
Forum: Investing - Theory, News & General
Topic: Helping explain low cost indexing to friends
Replies: 19
Views: 1374

Re: Helping explain low cost indexing to friends

For cost I always found this chart impactful...

Image



It is in the wiki at the following link...

Link
by user5027
Thu Mar 30, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 32
Views: 1872

Re: What to see in Philly?

The National Constitution Center is in the same area...
Link

Further away is a run up the Art Museum steps like Rocky Balboa after running through the city and the italian market in South Philly, it only takes 2 minutes and 30 seconds. They have a Rocky statue at the base of the steps...
Link
by user5027
Thu Mar 30, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: florida trip help Tampa area to the Keys
Replies: 6
Views: 406

Re: florida trip help Tampa area to the Keys

Here is an earlier post on driving from Fort Myers and returning via the ferry....
Link
by user5027
Thu Mar 30, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 3179

Re: House buying- How to think about property taxes?

You don't have to move as far as the midwest to have lower real estate taxes. Try Pennsylvania.
by user5027
Sat Mar 25, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Travel insurance
Replies: 7
Views: 542

Re: Travel insurance

I have used SquareMouth for a trip to Italy last May. It included renting a villa in Sicily for a week and due to the cost we wanted Cancel For Any Reason (CFA) coverage. We also wanted medical and evacuation. The site was easy to use to compare different companies and plans. For CFA you need to buy...
by user5027
Tue Mar 21, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact-2017-Plus pre-order $60? (download version)
Replies: 11
Views: 738

Re: Taxact-2017-Plus pre-order $60? (download version)

I would wait. I heard we will be filing our taxes on a postcard next year. :D
by user5027
Wed Mar 08, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 27
Views: 1939

Re: Zero-Turn Mowers

I just bought one of these last week and it is being delivered tomorrow...
Toro
by user5027
Fri Mar 03, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3636

Re: Giving my lawn the TLC it needs

Use an overseeder (machine) in the fall with a drought tolerant tall or red fescue unless you have a sprinkler system. If you have kids and/or pets avoid chemicals. We use Milorganite when only fertilizing... Link We will do front and rear yards separately and "quarantine" kids/pets to the...
by user5027
Fri Mar 03, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Typical baptism gift as a Godparent?
Replies: 9
Views: 716

Re: Typical baptism gift as a Godparent?

Our children are 30 and 28. When baptized, they both got Series EE bonds.
by user5027
Fri Mar 03, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Replace gas water heater with electric?
Replies: 40
Views: 2873

Re: Replace gas water heater with electric?

One thought to consider are power outages. With our traditional electric water heater I can get four days of showers before the tank gets too cold. These are not leisurely stand in the flowing water showers. They are "navy" showers; quick rinse - water off- soap up - and a quick rinse. Goo...
by user5027
Fri Mar 03, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Actual physical ATM access internationally, and then changing notes
Replies: 26
Views: 1259

Re: Actual physical ATM access internationally, and then changing notes

When travelling I use an ATM at the airport when I arrive and after that I use an ATM located outside a bank rather than a "stand alone" ATM.
by user5027
Tue Feb 28, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 50
Views: 2257

Re: Grass trimmer

I self maintain 1 acre. Lots of trees and have 600' of heavy weedwacker property line with brush. I do not trim every week, probably every 2-3 weeks from April to September. In May 2009 I bought a Craftsman 358.795920 and it is still running great. Starts after 2-3 pulls. It uses the short pieces of...
by user5027
Mon Feb 27, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Buffett interview Monday 2/27
Replies: 38
Views: 4320

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: 576

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: 2319

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: 1055

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: 1055

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: 1771

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: 2287

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: 1548

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: 8520

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: 1496

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: 2598

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: 2598

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: 751

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: 2125

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: 2273

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: 224
Views: 18742

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: 7592

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: 2157

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: 1297

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: 1584

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: 1297

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: 766

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: 2803

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: 2350

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: 1000

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: 14312

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: 924

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: 3848

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...

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