Search found 710 matches

by user5027
Wed Jun 21, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Ideal basement humidity %
Replies: 10
Views: 1092

Re: Ideal basement humidity %

Less than 60%, except 70% in the cigar humidor.
by user5027
Thu Jun 15, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Do you like receiving email confirmations of online transactions?
Replies: 21
Views: 1043

Re: Do you like receiving email confirmations of online transactions?

I like them. Vanguard also sends me a text when a bank transfer is made. I also have our credit cards set to send me transaction alerts. I've jumped on some cases of fraud while the charges are still pending rather than waiting for a monthly statement to review. I like using technology to my advanta...
by user5027
Tue Jun 13, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Multi-page scanner?
Replies: 24
Views: 1071

Re: Multi-page scanner?

I use a Fujitsu ScanSnap S510. Works great.
by user5027
Sat Jun 10, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2125

Re: Naming boat

One of the best boat names I have seen is "Field Office."

Having worked in construction where the worksites have field offices, I can see a construction company owner telling the home office staff "I'll be at the field office today."
by user5027
Sat Jun 10, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: Troublesome and questionable change in I-ORP Social Security Calculations
Replies: 16
Views: 1264

Re: Troublesome and questionable change in I-ORP Social Security Calculations

We downloaded our Social Security Statements last month. Both had the following notice... * Your estimated benefits are based on current law. Congress has made changes to the law in the past and can do so at any time. The law governing benefit amounts may change because, by 2034, the payroll taxes c...
by user5027
Tue Jun 06, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Traveling for 3 weeks
Replies: 17
Views: 1570

Re: Traveling for 3 weeks

1) House - in the past before I leave my house for a 3 week vacation I will turn off the water coming into the house. Is there anything else recommended? I thought I saw a post on covering toilets to maintain the water in the toilet??? 3) Travel Health Insurance - in the past I have never purchased...
by user5027
Tue Jun 06, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead Board Game!!
Replies: 31
Views: 2225

Re: Boglehead Board Game!!

This brought back a memory from the 60's and 70's, playing 3M Bookshelf games Acquire and Stocks & Bonds. Thanks!!
Wikipedia
by user5027
Fri May 26, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 45
Views: 3915

Re: Septic Pumping - Did I get ripped off?

Just had one large and one small tank pumped in SE PA for $310. We do it every 3 years. The same guy has done for 20+ years.
by user5027
Sat May 20, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 3691

Re: Need new Router/Wifi Networking Ideas

I improved our wifi range by raising the router. Ours is in a room on the first floor. It use to be on the floor and I moved it to a high shelf, about 7-8 feet off the floor.
by user5027
Wed May 17, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: ROTH Conversion Goal
Replies: 13
Views: 844

Re: ROTH Conversion Goal

First: Be kind to heirs. Inheriting an IRA can easily be more a lump of coal than a happy gift. Roth is a lovely benefit to anyone. That depend on the heirs' tax bracket compared to yours. If yours is higher they may be better off inheriting a larger estate (including the taxes you did not pay doin...
by user5027
Mon May 15, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Signed contract to build new home - now what?
Replies: 17
Views: 1011

Re: Signed contract to build new home - now what?

Somebody, you or builder, need to obtain the permits.
by user5027
Fri May 05, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Amex membership rewards help
Replies: 16
Views: 1234

Re: Amex membership rewards help

awval999 wrote:There's no free Amex charge cards, so he can't downgrade to a no annual fee card.


We have the Amex Blue Cash (since 2009) and never paid a fee.
by user5027
Sun Apr 30, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Best universal remote for TV/home theater
Replies: 8
Views: 982

Re: Best universal remote for TV/home theater

When I read the title I was going to suggest what we have, the Logitech Harmony One. Ours is probably 5 years old and has worked well controlling the tv, dvd player, receiver and projector. :?
by user5027
Sun Apr 30, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 3808

Re: Car maintenance for older cars - where do you go ?

A local independent mechanic that I have known for 39 years.
by user5027
Fri Apr 28, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: A Game of "Who is responsible"
Replies: 45
Views: 2930

Re: A Game of "Who is responsible"

I read the thread and it is not clear how the decision was made for the op to buy the toilets and hire the plumbers to install them rather than hire the plumbers to furnish and install the toilets. If the plumber furnished they would have marked up the material cost to cover the risk. Owner furnishe...
by user5027
Fri Apr 28, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 51
Views: 7087

Re: Senior Lifetime National Parks Pass Fee Going Up

This looks like a great mother's day gift idea, can you order one for someone else? I ordered my wife one in September as a surprise after her birthday. I had to scan and submit her passport. I am not eligible yet. I tell everyone she robbed the cradle. :oops: << that's her hand not mine
by user5027
Fri Apr 28, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Should we wait untill tax's are changed
Replies: 9
Views: 1395

Re: Should we wait untill tax's are changed

I suppose there might be some situations where it makes sense to pay taxes for a conversion out of a tIRA but I generally read that it was not recommended to make the tax payments out of your traditional account. That is especially true if you are under age 59.5 since the taxes would not be part of...
by user5027
Wed Apr 26, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: How do you build a house?
Replies: 10
Views: 1573

Re: How do you build a house?

We reconstructed our home in 1988 after the birth of our second child. It was a one and a half story, demolished to the first floor and was reconstructed as a two story on a slightly larger foundation. We roughed out our own design. I did a plot plan and applied for the zoning permit. Once we had th...
by user5027
Tue Apr 25, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Investors Capturing Returns of All U.S. Equities?
Replies: 19
Views: 1264

Re: Investors Capturing Returns of All U.S. Equities?

I just came across a fascinating report published last month from Credit Suisse titled "The Incredible Shrinking Universe of Stocks: The Causes and Consequences of Fewer U.S. Equities." There are many points made in it but the significant one for people on this forum would be that it is d...
by user5027
Mon Apr 24, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 3815

Re: Zero-Turn Mowers

Bacchus01 wrote:Does it have the Chinese Toro engine?


Loncin, one of the largest engine manufacturers in the world. Toro has been using Loncin engines in many of their products since 2009.
by user5027
Mon Apr 24, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 3815

Re: Zero-Turn Mowers

A lot of residential zero turns will shut the blades off when backing up, which is kind of a pain. Most of the zero turns made by manufacturers that market more towards commercial mowing can be used in reverse, even if they are the residential version (ex. SCAG and Exmark lower end models). Toro ha...
by user5027
Mon Apr 24, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 3815

Re: Zero-Turn Mowers

I'm piggybacking onto this thread as I'm also in the market for a ride on/zero turn mower. My only question is how are the zero turn on hills? I have one section of my back yard that has a pretty decent slope (maybe not quite 30 degrees but I bet it's close). Is a zero-turn out of the question? My ...
by user5027
Mon Apr 24, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 3815

Re: Zero-Turn Mowers

If given a choice between a 50 inch deck with a steering wheel or 54 inch deck without, what would you all choose? Never used the bars so I would choose the wheel. I went from a 38" to a 42". The salesman was talking me into a 50" but I resisted. Less room in the shed was my con. As ...
by user5027
Sun Apr 23, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 3815

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: 24
Views: 2215

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: 1183

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: 779

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: 692

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: 692

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: 667

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: 749

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: 2078

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: 2078

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: 1514

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: 2078

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: 475

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: 3416

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: 684

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: 909

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: 52
Views: 3815

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: 4087

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: 814

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: 3272

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: 1488

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: 2638

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: 4606

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: 606

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: 2478

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: 1256

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:

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