Search found 535 matches

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: 364

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: 910

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: 1540

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: 7339

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: 39
Views: 2805

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: 421

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: 844

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: 51
Views: 4640

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: 1511

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: 1502

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: 4856

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: 1029

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: 3045

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: 1096

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: 628

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: 2654

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
by user5027
Thu Apr 14, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of income qualifies for IRA contributions?
Replies: 3
Views: 344

Re: What kind of income qualifies for IRA contributions?

What kind of income qualifies for IRA contributions? I assume it must be earned income (salaries, wages, etc.) and that interest and dividends cannot be part of the equation. Is that correct? What qualifies as earned income? I know wages reported on a W-2 qualify. How about income reported on a 109...
by user5027
Wed Apr 13, 2016 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Too late to open and fund a roth for 2015?
Replies: 21
Views: 1424

Re: Too late to open and fund a roth for 2015?

I am planning on using my rmd from an inherited IRA starting this year to fund roth ira's for myself and my wife but for some reason it just hit me that I should have funded them for the 2015 year. I have money just sitting in cash in my taxable account that I could have used. You need to have had ...
by user5027
Wed Apr 13, 2016 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions and the Vanishing 25% and 28% Tax Bracket
Replies: 59
Views: 8845

Re: Roth Conversions and the Vanishing 25% and 28% Tax Bracket

This is the first year we are both retired, so the usual 110% would mean a over-estimating by a large amount. Estimates will be easier next year. We faced that in 2015 (I retired 11/2014) and decided we would convert in 2015 to fill the 15% bracket. Wife still works. I found the top tax paid at 15%...
by user5027
Wed Apr 06, 2016 12:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's global head of fixed income discusses bonds, rising rates, and liquidity.
Replies: 4
Views: 551

Re: Vanguard's global head of fixed income discusses bonds, rising rates, and liquidity.

Since 2013 my bonds have done better than my international equities.

Am I changing anything? No.
by user5027
Mon Apr 04, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: travel health insurance with major health issues
Replies: 12
Views: 1091

Re: travel health insurance with major health issues

I live in the USA and have purchased a travel insurance policy with medical and medical evacuation for an upcoming trip to Italy. I used ...
https://www.squaremouth.com/
by user5027
Sun Apr 03, 2016 8:26 am
Forum: Personal Consumer Issues
Topic: Cars with low profile tires
Replies: 23
Views: 1711

Re: Cars with low profile tires

If potholes are a problem, consider getting winter tires on steel rims. I'd use tire rack's selector for your car. Leave the winter tires / steel rims on until the road department catches up with pothole patching.
by user5027
Sat Apr 02, 2016 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Another reason why delaying SS is a good idea (from Jonathan Clements)
Replies: 22
Views: 3584

Re: Another reason why delaying SS is a good idea (from Jonathan Clements)

I know this might not make any sense for this thread, but both my father and father in law delayed their SS and died early. One at 67 no SS, and one at 76 six years of SS. I think delaying is a mistake for males because they tend to die early. This is just the odds like betting on football games. D...
by user5027
Sun Mar 27, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: does solar increase the value of a house
Replies: 15
Views: 1325

Re: does solar increase the value of a house

Are there issues for firefighters?

I recall hearing firefighting at an industrial building was hampered by rooftop solar panels.
by user5027
Sat Mar 26, 2016 9:02 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance-Notice of Non Renewal
Replies: 37
Views: 2895

Re: Auto Insurance-Notice of Non Renewal

I'd also think hard about repairing a young driver's car. 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...
by user5027
Sat Mar 26, 2016 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Home too small
Replies: 45
Views: 4347

Re: Home too small

In 1988 with a 2 year old and a newborn, we hired an architect to design adding a second floor to our home, got the zoning permit, selected a contractor and started arranging for financing (a second mortgage). Everything was good until they asked what I was going to do with the money. I said we were...
by user5027
Thu Mar 24, 2016 8:39 pm
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 3264

Re: How to get rid of poison ivy

JonnyDVM wrote: I'm also very allergic. If you're chemically adverse you can get one of those disposable biohazard suits and pull it out, but I just blast it into oblivion.


Is that avatar you in your poison ivy suit? :D
by user5027
Wed Mar 23, 2016 1:22 pm
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 3264

Re: How to get rid of poison ivy

Cherokee8215 wrote: Make sure you don't overspray the roundup onto nearby desirable vegetation.


+1

If you spray any product wait for a calm day. Make sure there is no wind or breeze that would carry the spray to desirable plantings.
by user5027
Tue Mar 22, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Jetted Tub
Replies: 6
Views: 560

Re: Jetted Tub

We are buying a house with a jetted tub in the master bath. The thought grosses me out because of the bacteria I read about that lodges in the hoses. I never plan to use the tub and it is too expensive to remove. Is there a way to plug the jets, or barring that, how do you keep them clean? Thanks! ...
by user5027
Tue Mar 22, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: 1 Hotel Stay Every Week: How to get the best discounts?
Replies: 8
Views: 1080

Re: 1 Hotel Stay Every Week: How to get the best discounts?

You also may want to speak with the manager when you are staying there and explain your situation and see if they can give you a better deal for continuous weekly stays. +1 My wife works the front desk at a 45 room boutique hotel and this is your best option. They do a lot of weddings and conferenc...
by user5027
Tue Mar 22, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: withdrawing funds from 401(k), Roth IRA or non-retirement funds?
Replies: 7
Views: 575

Re: withdrawing funds from 401(k), Roth IRA or non-retirement funds?

Withdrawals from Roth IRA are not taxable in your situation. My understanding is the earnings are not taxed only if the roth passes a 5 year test. Even if over age 59.5, distribution of earnings from a roth less than 5 years old are taxable. Fairmark.com Qualified distributions If you receive a dis...
by user5027
Tue Mar 22, 2016 11:02 am
Forum: Personal Finance (Not Investing)
Topic: withdrawing funds from 401(k), Roth IRA or non-retirement funds?
Replies: 7
Views: 575

Re: withdrawing funds from 401(k), Roth IRA or non-retirement funds?

Non-retirement funds: I'll be taxed on capital gains If you stay in the 15% bracket for 2016, long term gains are not taxed. If over 15%; do you have winners and losers? Sell a combination of both to balance to zero the gain/loss. Roth IRA: won't be taxed at all (right?) In general yes, there are d...
by user5027
Mon Mar 21, 2016 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Selling a fraction of an ETF share
Replies: 11
Views: 850

Re: Selling a fraction of an ETF share

I have fractional shares from when dividends reinvest.

When you sell all your shares the fraction will sell also.
by user5027
Sat Mar 19, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Is this home owner's insurance increase reasonable?
Replies: 22
Views: 1588

Re: Is this home owner's insurance increase reasonable?

I live in SE PA and just got the 2016 HO renewal. It increased 5%. I was expecting more. The last four years ...

2015: 16%
2014: 18%
2013: 37% (post Sandy)
2012: 9%
by user5027
Wed Mar 16, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: Making new mulch bed yourself - what do I need?
Replies: 35
Views: 2433

Re: Making new mulch bed yourself - what do I need?

I was going to suggest landscape fabric and then saw these on youtube...

The Truth about Landscape Fabric

Should I Use Landscape Fabric
by user5027
Wed Mar 16, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 54
Views: 5321

Re: Windows 10

Norris wrote:After Windows 10 downloaded on my PC, I lost the ability to right click e.g. I cannot copy and paste, etc. Has anyone had this issue and, if so, is there a known remedy?

Norris


Check the mouse settings.
by user5027
Tue Mar 15, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Recommend a personal finance talk radio show.
Replies: 38
Views: 4027

Re: Recommend a personal finance talk radio show.

He retired but I always liked Harry S. Gross in Philadelphia. He was a Wharton Grad and CPA and still writes a column for the Daily News. My Dad listened to him when I was growing up. Miss you Dad. Sorry to read in today's paper that Harry passed away on Sunday 3/13/16... Philadelphia Inquirer arti...
by user5027
Tue Mar 15, 2016 7:03 am
Forum: Personal Consumer Issues
Topic: Pantry and fridge inventory solution
Replies: 17
Views: 1757

Re: Pantry and fridge inventory solution

At least 8 years ago we created a word document shopping list with all the items we purchase including brand or flavor. It is organized by aisle for the store we shop at. We keep around 10 copies in a kitchen drawer with a highlighter. As we use items or review recipes for planned menus, we highligh...
by user5027
Mon Mar 14, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Windows 10
Replies: 54
Views: 5321

Re: Windows 10

For that last year I have always declined the prompts and offers to upgrade from Win 8 to Win 10. Saturday morning my computer was upgraded to Win 10. Happened sometime overnight.

So far I like it.
by user5027
Sat Mar 12, 2016 9:51 am
Forum: Investing - Theory, News & General
Topic: PA Public Schools Pension Lost in 2015
Replies: 1
Views: 592

PA Public Schools Pension Lost in 2015

PA Public Schools Pension Lost in 2015 The $52-billion-asset Pennsylvania Public School Employees' Retirement System lost money last year, trailing the performance of the Pennsylvania and New Jersey state worker pension investment returns for 2015, according to a report the system released Friday. ...
by user5027
Wed Mar 09, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 41
Views: 4138

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 Discover...
by user5027
Thu Mar 03, 2016 7:55 pm
Forum: Investing - Theory, News & General
Topic: "Why IBM Moved to Indexing"
Replies: 22
Views: 4107

Re: "Why IBM Moved to Indexing"

At the company I worked for the 401k was invested by the trustees and not the individual employees. I remember asking what the asset allocation was so I could decide how to invest my portfolio outside the 401k.
by user5027
Wed Mar 02, 2016 10:43 pm
Forum: Personal Consumer Issues
Topic: Rental car in Italy
Replies: 31
Views: 2833

Re: Rental car in Italy

If you want an experience drive a stick in Ireland and Scotland. Drive on the left, driver sits on the right and shift with your left hand.
by user5027
Tue Mar 01, 2016 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is An Online Savings Account A No-Brainer?
Replies: 27
Views: 3623

Re: Is An Online Savings Account A No-Brainer?

I have one brick and mortar and three online. One thing I have noticed with two of the online; since 2013 they have implemented daily and/or monthly limits on withdrawals/transfers.
by user5027
Fri Feb 26, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Rely on work policy to cover insurance gap? [life insurance]
Replies: 7
Views: 550

Re: Rely on work policy to cover insurance gap? [life insurance]

Not knowing what your income/assets are I would suggest you consider the need for a life insurance policy on your wife while she is a stay at home mom with young children to fund child care until they are old enough.
by user5027
Thu Feb 25, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Selling our first home
Replies: 8
Views: 916

Re: Selling our first home

You may want to look into any issue with the home being unoccupied with your homeowners insurance.
by user5027
Thu Feb 25, 2016 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Do I pay capital gains on trades within an IRA
Replies: 19
Views: 1750

Re: Do I pay capital gains on trades within an IRA

If that is a Traditional IRA and not a Roth IRA and the ETFs are in the same IRA, you do not pay tax until they are withdrawn from the IRA and then they are taxed as ordinary income, just like all distributions.
by user5027
Wed Feb 17, 2016 5:43 pm
Forum: Personal Consumer Issues
Topic: Water Softener - Required?
Replies: 24
Views: 1486

Re: Water Softener - Required?

We hate soft water too. Soft water always takes longer to rinse soap off in the shower. Are you on a private well or a public system? Do you have a septic sytem? If you have a septic system be careful with the water softeners. The typical one does a backwash and it could overload a weak septic system.
by user5027
Wed Feb 17, 2016 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for 100 jobs, no callbacks. What's up?
Replies: 103
Views: 9093

Re: Applied for 100 jobs, no callbacks. What's up?

My son graduated with a finance degree in 2009 and it took him 10 months to get an internship. When he was in the hunt I read that employers got so many applicant resumes they were resorting to scanners software to cull the wheat from the chaff. I suggested to my son that he include interests on his...

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