Search found 473 matches

by user5027
Thu Feb 04, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 43
Views: 3162

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

Since retiring, a floor lamp in the home office is on a lot more. I was going through 60 watt incandescents like crazy. We hate the corkscrew cfl bulbs and how they are slow to be full bright, especially the outside lamps when it is cold. Just by chance a few weeks ago, I decided to try a led bulb a...
by user5027
Thu Feb 04, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 68
Views: 3344

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

Sorry to be somewhat off topic but honest question if SS covers most or all of the expenses for a couple then what or why is everyone focusing so much on saving and investing? simply for extra activities and expenses travel, car etc? or are most using the savings and investments to retire early the...
by user5027
Thu Feb 04, 2016 3:00 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on expense drop when kids go off to college
Replies: 26
Views: 2152

Re: Reporter doing story on expense drop when kids go off to college

With tuition, room and board ours went up. Expenses for ice hockey and horses ended and he did get a scholarship. She actually mucked stalls to ride. Daughter wanted an apartment after the mandatory first year's must live in dorms. That actually saved money since she did not need the mandatory board...
by user5027
Thu Feb 04, 2016 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Simple financial account tracking spreed sheet needed.
Replies: 4
Views: 303

Re: Simple financial account tracking spreed sheet needed.

I use yahoo portfolios. It does not display asset allocation but my portfolio is simple enough I can add a couple numbers and divide with my calculator.
by user5027
Thu Feb 04, 2016 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 68
Views: 3344

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

Currently zero. We have no pensions and have not claimed SS. SS will cover expenses as follows: If spouse claims at: 62: 14% FRA: 19% 70: 27% If I claim at: 62: 28% FRA: 39% 70: 50% Spouses numbers may increase. She is still working. I said she can stop when her numbers equal mine. :oops: < That's h...
by user5027
Tue Feb 02, 2016 1:12 pm
Forum: Investing - Theory, News & General
Topic: 67% Expense Ratio?
Replies: 10
Views: 1875

Re: 67% Expense Ratio?

Dulocracy asked: "According to their literature, the expense ratio is 67%. Is this supposed to be 0.67% and it was a typo? Does this pose a problem for FranklinTempleton? Are they really that expensive?" No, it's a typo. I hold a state-specific Franklin tax-free muni fund in my taxable ac...
by user5027
Sat Jan 30, 2016 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: RMD (Required minimum distributions)
Replies: 17
Views: 1465

Re: RMD (Required minimum distributions)

You'd be amazed at how many people are terrified at the prospect of having to figure their own RMDs. I am far from the age where rmd's are needed from my IRA, but do have a modest inherited roth. Vanguard has a service I use where they automatically calculate the annual rmd in January and transfer ...
by user5027
Sat Jan 30, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: I got let go yesterday
Replies: 40
Views: 6221

Re: I got let go yesterday

I'm a civil with a PE and 37 years experience in heavy construction. Primarily bridges and transit stations with some water treatment plant (WTP). You may have found yourself unknowingly going against the recent flow. No pun intended. At least in our region, I hear the water & sewer contractors ...
by user5027
Wed Jan 20, 2016 8:53 pm
Forum: Investing - Theory, News & General
Topic: Is there such thing as a buying opportunity?
Replies: 31
Views: 2301

Re: Is there such thing as a buying opportunity?

Also known as a Really Bad Day.
by user5027
Wed Jan 20, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: Construction bond questions
Replies: 2
Views: 233

Re: Construction bond questions

Post above describes a performance bond. A contractor can also provide a payment bond that will provide protection against non-payment to subcontractors and suppliers. If the work is on private property unpaid vendors can lien the property. You cannot lien public property (ie. a public highway or br...
by user5027
Sat Jan 16, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 319
Views: 30012

Re: Vanguard TurboTax - Not Available 2015?

I hope Vanguard finds more ways to profit and keep my ER's as low as possible.
by user5027
Fri Jan 15, 2016 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Tell me about Expected Family Contribution for college
Replies: 59
Views: 3310

Re: Tell me about Expected Family Contribution for college

The OP mentions kids. The EFC is divided by the number of family members (excluding parents) that are in college. Our son and daughter overlapped by 3 years and their EFC was halved for those years. There was a loophole that was closed several years ago. Parents would enroll for a course at the loca...
by user5027
Sat Jan 09, 2016 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 319
Views: 30012

Re: Vanguard TurboTax - Not Available 2015?

Fat-Tailed Contagion wrote:
Vanguard and TurboTax are making a nice chunk of money with this "adjustment" to their relationship.



I hope Vanguard is and they keep my Er's low. :sharebeer
by user5027
Mon Jan 04, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 140
Views: 7609

Re: Waste of money?

Reminds me of a kitchen/bath remodeling contractor I knew. He told me when he makes his sales pitch he always notes if there is a corvette in the driveway. If so, he got his and now she is getting hers.
by user5027
Sat Jan 02, 2016 3:20 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard] Log in problems today?
Replies: 2
Views: 328

Re: Log in problems today?

I was able to log in.
by user5027
Sat Jan 02, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Did tax rules change for 2016 and a few other questions regarding taxes
Replies: 10
Views: 1124

Re: Did tax rules change for 2016 and a few other questions regarding taxes

Also, in trying to figure out my take home pay after deductions. Can someone tell me which taxes are exempt for the following two? Health care and 401k. The check boxes for exempt purposes are "Federal, FICA, State and Local." I'm located in PA and I think 401k are not exempt. PA state (a...
by user5027
Sat Jan 02, 2016 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Hedging against the future of healthcare costs by buying healthcare equities index?
Replies: 24
Views: 1362

Re: Hedging against the future of healthcare costs by buying healthcare equities index?

I agree with bottlecap and bigjohn. The construction company I worked for was awarded a contract to electrify 7 miles of railroad. They immediately bought copper futures until the wire was procured to protect against any wild commodity swings. What you are proposing is akin to buying stock in the co...
by user5027
Fri Jan 01, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to credit card rewards when you die?
Replies: 9
Views: 982

Re: What happens to credit card rewards when you die?

My father-in-law passed away in May. Southwest Air allowed his spouse to use his rewards accumulated with the Southwest credit card when she purchased a flight in August.
by user5027
Tue Dec 29, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Premier 2015 (PC Download) 39% Off
Replies: 39
Views: 3914

Re: Turbo Tax Premier 2015 (PC Download) 39% Off

I can't believe people are rushing back into Intuit's arms after the stunt they pulled last year with Deluxe. There are plenty of better options. Fool me once, shame on me...I won't get fooled again Intuit! +1 +2 I just switched to TaxAct Plus Download for 2015. Five federal e-files and one state w...
by user5027
Mon Dec 28, 2015 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house with no money down
Replies: 77
Views: 5838

Re: Buying a house with no money down

I googled the guy who built the 280k home down the street from us (he's got a new Z and a late model BMW sedan in the driveway) after seeing that he put down 0% (records are public and accessible online). What does he do? He's a financial advisor. Our son and his wife are soon closing on a short sa...
by user5027
Fri Dec 25, 2015 4:56 am
Forum: Personal Consumer Issues
Topic: Passport Renewal
Replies: 29
Views: 3462

Re: Passport Renewal

Our renewals just took 15 days total. We filled out the forms online and printed them out. Went to a local photo shop and they charged $10 per person for the photos. Mailed the old passports, forms and checks ($110 per person) on 12/8/15. We paid for certified mail ($4.38) to track. They suggest tha...
by user5027
Thu Dec 24, 2015 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 319
Views: 30012

Re: Vanguard TurboTax - Not Available 2015?

I thin you have to be a member of their secret club. Here's what Fido just told me In a live chat: Me: What level of assets do I need to get free Turbo Tax? Fido rep: Only certain clients get the free Turbo Tax deal, there is no specific threshold. However, all our clients do get the discount. Me: ...
by user5027
Wed Dec 23, 2015 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: The Family Home, estate question?
Replies: 20
Views: 1387

Re: The Family Home, estate question?

After my father suddenly died at age 86, mom moved in with my brother. Mom sold/transferred the family home to the oldest grandchild. Mom died 2 years later. It is nice having the home still in the family. They talk about this kind of deal in the Beyond the Grave book I'm in the middle of. Lots of ...
by user5027
Wed Dec 23, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: The Family Home, estate question?
Replies: 20
Views: 1387

Re: The Family Home, estate question?

After my father suddenly died at age 86, mom moved in with my brother. Mom sold/transferred the family home to the oldest grandchild. Mom died 2 years later.

It is nice having the home still in the family.
by user5027
Tue Dec 15, 2015 7:33 pm
Forum: Personal Consumer Issues
Topic: Motion Activated Outdoor Security Lights
Replies: 16
Views: 1190

Re: Motion Activated Outdoor Security Lights

I hate to say it, but I bought 3 of these 2 years ago, and while they do work great while they do, 2 of them died on me in the last year. The motion detector just went haywire and the light just wouldn't turn off, and burned through the batteries. They're not expensive, but I was hoping they'd last...
by user5027
Tue Dec 15, 2015 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 3M (MMM)
Replies: 39
Views: 4402

Re: Thoughts on 3M (MMM)

Good company. I will be buying more when my tIRA and rIRA VTI holding's dividends re-invest. :sharebeer
by user5027
Tue Dec 15, 2015 12:25 pm
Forum: Personal Consumer Issues
Topic: Motion Activated Outdoor Security Lights
Replies: 16
Views: 1190

Re: Motion Activated Outdoor Security Lights

Not exactly what you are looking for but I got 3 of these as a gift 2 years ago and they work great. http://www.mrbeams.com/mb390-mr-beams-ultrabright-wireless-motion-sensor-spotlight They use battery (4 D cells). I do not remember replacing the batteries until last week. I like the battery since I ...
by user5027
Mon Dec 07, 2015 9:39 am
Forum: Personal Consumer Issues
Topic: exterior timer for Christmas lights
Replies: 10
Views: 587

Re: exterior timer for Christmas lights

I have one of these and have used it for several years with no problem. It is set to come on at dusk and stay on for 6 hours.

http://www.homedepot.com/p/KAB-Enterpri ... /204325470
by user5027
Sat Dec 05, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Car for new teen driver?
Replies: 38
Views: 1536

Re: Car for new teen driver?

I would stick with the Prius. I remember my son's first auto accident. I was at my college friend's party when my son called. It was minor. No damage to the other vehicle but dented the front of his car. My college friend said "don't fix it." "Every time he gets in the car it will rem...
by user5027
Fri Nov 27, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: Best Way to get rid of leaves
Replies: 50
Views: 3987

Re: Best Way to get rid of leaves

+7 or whatever on the Toro linked upthread. Only issue we have is leave that are on our large mulch beds. Virtually impossible to remove them and not take half the mulch as well so we just leave those. The Toro vacuum has a dial to control the impeller speed. You should be able to adjust the suctio...
by user5027
Thu Nov 26, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: Best Way to get rid of leaves
Replies: 50
Views: 3987

Re: Best Way to get rid of leaves

I blow them into a pile then vacuum them into a 96 gallon can. The vacuum shreds and compacts them. I use... https://www.toro.com/en/homeowner/yard-tools/ultra-blower-vac-51619 with... https://www.worx.com/en-US/LeafPro.aspx Thanks for the tip - I'm going to get that for the remainder of the leaves...
by user5027
Thu Nov 26, 2015 10:19 am
Forum: Personal Consumer Issues
Topic: Best Way to get rid of leaves
Replies: 50
Views: 3987

Re: Best Way to get rid of leaves

I blow them into a pile then vacuum them into a 96 gallon can. The vacuum shreds and compacts them.

I use...
https://www.toro.com/en/homeowner/yard- ... -vac-51619
with...
https://www.worx.com/en-US/LeafPro.aspx
by user5027
Thu Nov 19, 2015 4:37 pm
Forum: Personal Consumer Issues
Topic: Recommended Snow Tires
Replies: 42
Views: 2517

Re: Recommended Snow Tires

+1 for the second set of dedicated winter wheels. Use an inexpensive set of steel rims and save the expen$ive oem alloy wheels from pothole damage. I've left the winter wheels on well after snow season until the highway department gets the roads fixed.
by user5027
Thu Nov 19, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: Treehouse in Backyard - Liability Question
Replies: 30
Views: 2677

Re: Treehouse in Backyard - Liability Question

My wife was the administrator for a co-operative nursery school. It is a real community gem. All the local families clamored to enroll their 3-5 year olds. Registrations looked like they were selling concert tickets with people sleeping in parked cars queued at the door overnight. Parents were requi...
by user5027
Thu Nov 19, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: Recommended Snow Tires
Replies: 42
Views: 2517

Re: Recommended Snow Tires

Blizzaks.

My son started driving and after the first snow I remember taking him to the empty un-plowed mall parking lot to teach him how to react in a slide. I had a very hard time getting the blizzaks into a slide.
by user5027
Tue Nov 17, 2015 8:55 am
Forum: Personal Finance (Not Investing)
Topic: College Admission Time, What parents need to be aware and how to be helpful
Replies: 238
Views: 17200

Re: College Admission Time, What parents need to be aware and how to be helpful

We decided long ago that flying was a lot safer than driving. The airport trips allowed us to make a day trip to the BigCity :) PS: CreditCard airline miles was then cheap. Airfare was miniscule to the COA. 2-50# checked bags included in the pricing. Use it or lose it. :oops: Priorities. :confused ...
by user5027
Mon Nov 16, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: Treehouse in Backyard - Liability Question
Replies: 30
Views: 2677

Re: Treehouse in Backyard - Liability Question

livesoft wrote:That's funny because the kid won't sue you, but perhaps their parents will.


And it may not be because they want to. Their medical insurance company may be wanting to get into your homeowners insurance company's pocket.
by user5027
Mon Nov 16, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Credit card hacked, what we learned
Replies: 49
Views: 6775

Re: Credit card hacked, what we learned

I have also been hacked and you do have that feeling of violation when it occurs. I currently carry only 2 credit cards and they are both with Chase. Chase allows you to set up an alert to your phone or email when a charge is made on your credit card. This has given me a sense of security since I a...
by user5027
Sun Nov 15, 2015 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: College Admission Time, What parents need to be aware and how to be helpful
Replies: 238
Views: 17200

Re: College Admission Time, What parents need to be aware and how to be helpful

We were fortunate to be able to have our two children graduate (one with a masters) from college with zero debt just as our parent's did for us. We did it with help from scholarships and loans. My boss (who had a son that took off with the college fund and blew it) suggested I make our children an o...
by user5027
Sun Nov 15, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Things you can do and can't do with home equity line of credit?
Replies: 9
Views: 988

Re: Things you can do and can't do with home equity line of credit?

Really want to help a long time friend out and he has a bit of a shortfall of about 15K for a first home. Since my home is almost debt free (20k principal left on a 380k property), is it possible to apply for a home equity line of credit and draw the 20k against my home? I'm not asking whether this...
by user5027
Fri Nov 06, 2015 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard brokerage Roth IRA
Replies: 1
Views: 308

Re: Vanguard brokerage Roth IRA

I recently opened a IRA which is now listed as a brokerage account in a money market settlement fund. I am planning to do a backdoor Roth conversion. My other Roths are not brokerage accounts. It will not let me convert the IRA to these Roths since they are not brokerage accounts. It does look like...
by user5027
Sat Oct 17, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: Viking River Cruise LOW WATER ISSUE
Replies: 25
Views: 4818

Re: Viking River Cruise LOW WATER ISSUE

crefwatch wrote:... (unlike someone in an SUV cruising the mighty American interstate system .... ) the captain is not in command of outside forces. ...


Wow. I may need to get myself a SUV. :happy
by user5027
Sat Oct 03, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: Wedding gifts
Replies: 25
Views: 3031

Re: Wedding gifts

It was meant as a joke but my wife's brother gave us a very nice wedding album embossed with "My First Wedding."

You could give one embossed appropriately.
by user5027
Thu Sep 17, 2015 7:05 am
Forum: Personal Finance (Not Investing)
Topic: What is the fairest way to distribute long-term assets in a will?
Replies: 17
Views: 2004

Re: What is the fairest way to distribute long-term assets in a will?

Hi all Just a theoretical question that I would appreciate Bogleheads' opinions on as I was recently speaking to my folks about their wills. What is the fairest way to distribute assets to beneficiaries when the assets have different amounts of long-term capital gains? As an example: say the estate...
by user5027
Sun Sep 13, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Why Spike in Electricity Usage?
Replies: 17
Views: 1528

Re: Why Spike in Electricity Usage?

pshonore wrote:So what does the pictured meter read? I was always taught "read to lower number regardless of direction" 11088?


Correct.
by user5027
Sat Sep 12, 2015 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Safe withdrawal rate in retirement
Replies: 22
Views: 2603

Re: Safe withdrawal rate in retirement

Will he receive SS? If so, there are two withdrawal rates -- first, from age 58 until age SS begins, and second, after SS begins. http://www.i-orp.com can provide a sample plan for that situation. I went to their website and can't figure out how to input the data. Are there any instructions? You en...
by user5027
Thu Sep 03, 2015 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion, same as contribution?
Replies: 23
Views: 973

Re: Roth conversion, same as contribution?



While the logic makes sense doesn't Number 8 conflict with the flowchart on page 32 of Pub 590B?

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