Search found 568 matches

by user5027
Fri Aug 12, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: What does the BH community do with their pets when they travel?
Replies: 60
Views: 3039

Re: What does the BH community do with their pets when they travel?

We have a dog and cat. The cat is an outdoor cat during the summer and comes in for the winter. The dog uses a pet door and has a fenced yard. When we are away our next door neighbor comes over twice a day to feed and water. We shower our neighbor with restaurant gift certificates. On longer trips (...
by user5027
Sat Jul 30, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Sink Hole in Yard
Replies: 9
Views: 1155

Re: Sink Hole in Yard

If it is due to dissolving limestone, keep the surface water from the area of the sinkhole. Google "karst."

Are you in Florida or King of Prussia, PA? Those are two areas well known for sinkhole issues.
by user5027
Wed Jul 27, 2016 6:11 am
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 64
Views: 3398

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

The authority on train travel is http://www.seat61.com/ There is no baggage restriction or fees on trains but there is no checked baggage and no one to help you either. If you can carry it you can bring it. A large bag can fit in a low space between each of the back to back seat rows on intercity tr...
by user5027
Sun Jul 24, 2016 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Allstate Umbrella Insurance
Replies: 33
Views: 2489

Re: Allstate Umbrella Insurance

Liberty Mutual $2 mill Umbrella - $630/year

One home, 3 vehicles, no RV, no watercraft and no under 25 drivers.

I remember being questioned about our dog. 8 year old yellow lab that will roll over on his back so any stranger can pet his tummy. Don't get him too excited or he pees on you.
by user5027
Sun Jul 24, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: Buying a fairly new RV, suggestions.
Replies: 39
Views: 3038

Re: Buying a fairly new RV, suggestions.

Have you had any RV experience? Personally, I would rent one for a few trips before buying one.
by user5027
Wed Jul 20, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: What type of new driveway should I get?
Replies: 21
Views: 2360

Re: What type of new driveway should I get?

If you live in snow country a black asphalt driveway will melt snow/ice and dry faster on a sunny day than a white concrete driveway. :idea:
by user5027
Tue Jul 19, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Most economical overseas travels
Replies: 22
Views: 1976

Re: Most economical overseas travels

Are you a veteran? I know they use to be able to fly for free on military aircraft if there was "space available" similar to standby. In 1984 I was working for a government contractor on the DEW line in Greenland. We flew to Sondrestrom from McGuire AFB on USAF C141's and then ski equipped...
by user5027
Sun Jul 17, 2016 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Giving our child a "student loan" vs them taking an Unsubsidized Stafford loan
Replies: 44
Views: 3938

Re: Giving our child a "student loan" vs them taking an Unsubsidized Stafford loan

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 . I thought loans were debt! :oops: If you fully read and comprehended my post you would understand. I'll ...
by user5027
Thu Jul 14, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 6470

Re: Car totaled, no collision insurance

Now that we are retired my wife and are do most everything together, but not golf. She doesn't like being without a car for 4-5 hours while I have fun that she can't appreciate. :D I always find good and bad in everything. Sounds like you get chauffeured to and from golf now. Tell her you will text...
by user5027
Wed Jul 13, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: I am doing this! First time Home Buyer. How do you choose an Attorney?
Replies: 16
Views: 1435

Re: I am doing this! First time Home Buyer. How do you choose an Attorney?

I asked questions about deal falling through and if they won't charge me till the end ... both agreed. I am not sure you need an attorney, but the above caught my eye. Are you asking them to agree to not charge you if the deal falls through? If so, that is not a position I would want my attorney to...
by user5027
Fri Jul 08, 2016 4:09 pm
Forum: Personal Consumer Issues
Topic: United Kingdom Traffic Ticket--Funny story though!!
Replies: 20
Views: 2394

Re: United Kingdom Traffic Ticket--Funny story though!!

[Political comment removed by moderator triceratop]

Personally... I'd pay it.
by user5027
Fri Jul 01, 2016 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Insurance in retirement
Replies: 7
Views: 554

Re: Insurance in retirement

Am in PA and have an Aetna bronze plan through ACA (healthcare.gov). I pay $485/month. Age 58, male.
by user5027
Wed Jun 29, 2016 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion - Taxes / Time of Year
Replies: 11
Views: 860

Re: Roth Conversion - Taxes / Time of Year

I did that exact scenario in 2015. I did a Roth conversion in August 2015 and recharacterized about 20% of the conversion in April 2016 when I did my taxes to stay at the top of the 15% bracket. When you say you recharacterized 20%, you mean you converted ALL to a Roth in 2015 and then in 2016 rech...
by user5027
Wed Jun 29, 2016 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion - Taxes / Time of Year
Replies: 11
Views: 860

Re: Roth Conversion - Taxes / Time of Year

If you convert in 2016, you can recharacterize any amount you wish before 10/15/2017, so you can do it at the same time you're doing your taxes to be just at the 15% line. Just to be clear, the "it" is the recharacterization. The conversion must be in 2016. I did that exact scenario in 20...
by user5027
Wed Jun 29, 2016 8:59 am
Forum: Investing - Theory, News & General
Topic: Bogle's Actual Approach
Replies: 9
Views: 1096

Re: Bogle's Actual Approach

Ron Scott wrote:2. Buy cheap, passive, funds with lots of assets in them.


I know cheap refers to low expense ratio but someone could believe that to mean low $/share which is not what is meant. I only comment to avoid misleading anyone trying to develop an investing plan. :beer
by user5027
Sun Jun 26, 2016 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Transferring Company's 401(k) to Vanguard
Replies: 2
Views: 241

Re: Transferring Company's 401(k) to Vanguard

Total Stock Market
Total International Stock
Total Bond Market
by user5027
Wed Jun 22, 2016 8:20 pm
Forum: Personal Consumer Issues
Topic: European Package Tours
Replies: 23
Views: 1592

Re: European Package Tours

Non7WoodUser wrote:- no or limited hdtv (really bad cable - we missed a lot of our shows)


Get a slingbox and hook it up to a dvr at home. Wherever you have internet you can watch the programs recorded on your home dvr. :idea:
by user5027
Wed Jun 22, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Tax time ramifications for Casino winnings
Replies: 11
Views: 783

Re: Tax time ramifications for Casino winnings

This reminds me of reading my father's Wall Street Journal 45 years or so ago. One day a week there was a column on tax issues. There was a Tax Court decision denying a bettor's offset of their gain with purported losses. The losses backed up by stubs with foot prints on them. It was determined they...
by user5027
Tue Jun 21, 2016 11:15 am
Forum: Investing - Theory, News & General
Topic: Retirement savings withdrawals
Replies: 20
Views: 2402

Re: Retirement savings withdrawals

One consideration is the quality (low expense ratios) of the investments available in the 401k vs. those you can find in an IRA. I've heard super low ER's quoted on some terrific 401k plans. Even if you are forced to make the 401k withdrawals over 15 years, you should be able to roll them into an IR...
by user5027
Sat Jun 18, 2016 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 70
Views: 7060

Re: Who has needed to use their umbrella insurance?

I've only skimmed the replies. I think it would also be enlightening to hear from anyone that did not have an umbrella but had an experience where they wish they did. :shock:
by user5027
Sat Jun 18, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 4891

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

I feel for you. We had same issue with a 2003 Saab 93. If it sat for several days the battery was dead. Once we were stranded at the airport upon returning home. Several trips to the dealer with no reason or resolution. Had the favorite mechanic that we knew for 25 years go over it and could not fin...
by user5027
Tue Jun 07, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: DIY project or need landscaper help
Replies: 13
Views: 1119

Re: DIY project or need landscaper help

As far as I know, and definitely in PA, the homeowner is responsible for marking underground utilities not the contractor. If an unmarked utility is damaged the contractor is not at fault. I worked in heavy construction in PA for 37 years. The utility owner is responsible for marking their undergro...
by user5027
Tue Jun 07, 2016 4:43 am
Forum: Investing - Theory, News & General
Topic: Opening a vanguard account
Replies: 7
Views: 927

Re: Opening a vanguard account

Ok. I just opened a Roth IRA through Vanguard. I'm interest in DRIP for ETFs but was wondering how that actually works. Will Vanguard actually help me purchase a portion of an ETF or will they just save up enough dividends and whatnot to my Money Market and then automatically help me buy a share of...
by user5027
Mon Jun 06, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: DIY project or need landscaper help
Replies: 13
Views: 1119

Re: DIY project or need landscaper help

Make sure the utilities are marked out ahead of time. I know in our state it is the law and there is one number to call, describe the work and they will notify all the utilities that have registered as having facilities in the local municipality. This is needed if you do it yourself or hire a contra...
by user5027
Sun Jun 05, 2016 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Where to stash 800k for construction project?
Replies: 11
Views: 1333

Re: Where to stash 800k for construction project?

Several FDIC protected accounts. Stay under the limit.
by user5027
Sat Jun 04, 2016 6:05 am
Forum: Personal Consumer Issues
Topic: Roofing replacement
Replies: 15
Views: 1320

Re: Roofing replacement

daveydoo wrote:We'll need to re-roof in a few years and every dry Fourth of July, we just cringe and cross our fingers.


You could always spend the day on the roof with the garden hose. :idea:
by user5027
Thu Jun 02, 2016 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best Card (debit/credit) to travel with
Replies: 25
Views: 2057

Re: Best Card (debit/credit) to travel with

HIinvestor wrote:By the way, is it cheaper and better to exchange money before leaving US (eg at ABC stores in Waikiki or similar) or at the airport or elsewhere, once you're in the country? Have been told different things. Thanks.


I would look for an ATM at the airport when you arrive in the country.
by user5027
Thu Jun 02, 2016 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Best Card (debit/credit) to travel with
Replies: 25
Views: 2057

Re: Best Card (debit/credit) to travel with

Amex does not support/need this anymore. Ha! My Fidelity Amex was being denied, so I called them up from the hotel desk where I was checking in to figure out the story. "Well, you didn't tell us you were travelling." I asked back, "This is an Amex card, right? Since when has Amex req...
by user5027
Thu Jun 02, 2016 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 83
Views: 9366

Re: How to get a real Chip and Pin card?

I've had a Target REDcard for a few years and only used it for the occasional purchase at Target for the 5% reward. They recently sent me a new card and said it was chip and pin. We have had issues travelling in europe before with our US cards not being true chip and pin. We usually use our Discove...
by user5027
Thu Jun 02, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best Card (debit/credit) to travel with
Replies: 25
Views: 2057

Re: Best Card (debit/credit) to travel with

I support going through your existing cards and see if they have no foreign transaction fees (FTF). I favor Capital One Venture One for foreign travel use. No FTF and my rewards "erase" travel charges (cash back). The exchange rate has always been good. We also have Discover as a backup no...
by user5027
Mon May 30, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: NY state income tax rate calculation question
Replies: 6
Views: 529

Re: NY state income tax rate calculation question

I was reviewing NY's income tax brackets, and was confused by how it asks you to calculate your state tax obligation. The instructions are here: https://www.tax.ny.gov/pdf/current_forms/it/it201i.pdf Page 55 provides a graduated tax schedule to calculate your tax bill if your AGI is $106.2k or less...
by user5027
Sun May 29, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: More than one Vanguard brokerage acct?
Replies: 12
Views: 1106

Re: More than one Vanguard brokerage acct?

Loandapper wrote:How about more than one individual account?


I have 3 individual brokerage accounts (Rollover IRA, Traditional IRA and a Roth IRA).

Wife has a Roth IRA brokerage account.

We have one joint taxable brokerage account.
by user5027
Sat May 21, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: surface street or freeway commute?
Replies: 32
Views: 1790

Re: surface street or freeway commute?

Freeway.

Just imagine the money you will be saving in brake pads. :moneybag :moneybag :moneybag
by user5027
Mon May 02, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay back my parents back for paying for some my college costs
Replies: 59
Views: 7638

Re: Should I pay back my parents back for paying for some my college costs

My parents put me through college. This was the late 1970's. After I graduated and worked for a year, I sent them to Ireland for a week (round trip air, car and 7 nights of B&B vouchers, the typical go as you want trip).
by user5027
Sun May 01, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Giving our child a "student loan" vs them taking an Unsubsidized Stafford loan
Replies: 44
Views: 3938

Re: Giving our child a "student loan" vs them taking an Unsubsidized Stafford loan

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
Fri Apr 29, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Required Minimum Distributions - Advice
Replies: 3
Views: 447

Re: Required Minimum Distributions - Advice

If you can invest in two funds put 70% in VTSMX (or VTSAX) and 30% in VBMFX (or VBTLX).
by user5027
Mon Apr 25, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: Best system for hanging pictures on plaster walls
Replies: 14
Views: 926

Re: Best system for hanging pictures on plaster walls

We have good luck with 3M Command on painted drywall. FAQ say's they work on painted plaster.

3M Command
by user5027
Mon Apr 25, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: Online Mattress Company Reviews
Replies: 59
Views: 6116

Re: Online Mattress Company Reviews

I skipped over this thread several times and this morning thought maybe I better read it since you guys may be discussing going to cash and needing a place to keep it!

I'm happy to read that is not the case.

:happy
by user5027
Thu Apr 21, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need a professional tax/investment advisor?
Replies: 11
Views: 1583

Re: Do I need a professional tax/investment advisor?

If 2016 is the same, my quick number crunch has you with room in the 15% bracket to do a $40,000 conversion. You can still do conversions after RMD's start, although you will have less room. If you are going to always be in the 15% bracket you may not need to bother with conversions. People do conve...
by user5027
Wed Apr 20, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Updating to "New" Vanguard Accounts
Replies: 9
Views: 1587

Re: Updating to "New" Vanguard Accounts

I inquired about upgrading last August before doing a Roth Conversion thinking it would make the conversion easier. I was told I could not at that time due to an exchange setting but would be able to in the future. I think it involved an inherited Roth's RMD going to our joint MMF. I had to mail pap...
by user5027
Tue Apr 19, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off, when can I file for unemployment?
Replies: 44
Views: 5161

Re: Got laid off, when can I file for unemployment?

This must vary by state. Did you google unemployment compensation xxxxxxxxxx (< insert your state)?

I know in PA there is a waiting period and you must be actively seeking employment to collect.
by user5027
Tue Apr 19, 2016 8:18 am
Forum: Personal Consumer Issues
Topic: New grad [housing options in] moorestown, nj area
Replies: 13
Views: 1127

Re: New grad moorestown, nj area

Cherokee8215 wrote: I'd also resist any urge to live in Philly and commute out due to the wage tax, ....


+1,000 x 3.92% (Philadelphia Resident Wage Tax)

And now they want to tax sodas and drinks 3 cents per ounce (full disclosure: that is pending legislation).
by user5027
Mon Apr 18, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 53
Views: 3307

Re: Passport photo DIY - anyone done it easily?

The wife and I did ours at the local photo shop for around $10 each. Our son did his himself and his application was rejected due to the photo. Make sure you comply with the dimensions between your head and the photo edges.

edited for spelling
by user5027
Mon Apr 18, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: trying to make last minute roth IRA contribution
Replies: 13
Views: 1155

Re: trying to make last minute roth IRA contribution

If you filed an extension you would have til that date. Not according to IRS... What is the deadline to make contributions? Your tax return filing deadline (not including extensions). For example, you have until April 18, 2016, to make your 2015 contribution, but please see IRS Publication 509, Tax...
by user5027
Sun Apr 17, 2016 6:19 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement: Rolling 401k into Roth IRA?
Replies: 4
Views: 679

Re: Early Retirement: Rolling 401k into Roth IRA?

Pharmacist wrote:Thanks!

Seems really strange that I can roll over as much as I want yet can only contribute 5.5k directly.
Also seems strange that it is that easy to bypass the early withdrawal penalty.


Don't give the government any ideas! :oops:
by user5027
Fri Apr 15, 2016 10:58 am
Forum: Investing - Theory, News & General
Topic: Fidelity's "Enhanced" Index Funds, almost ten years later
Replies: 23
Views: 2843

Re: Fidelity's "Enhanced" Index Funds, almost ten years later

I want to thank all the "enhanced" fund investors for reducing the tax load for the rest of us. :beer

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