Search found 582 matches

by user5027
Thu Sep 29, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Chimney Help, Please
Replies: 20
Views: 874

Re: Chimney Help, Please

We have a wood burning stove in front of our fireplace. The stove had a pipe on the back that went up the flue and ended after about four or five feet. We have an access on the outside of the chimney about four feet above the floor. Before brushing the chimney from the roof I always opened the acces...
by user5027
Sun Sep 25, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Stain Our Deck Before Winter - $3,000 or DIY?
Replies: 41
Views: 3146

Re: Stain Our Deck Before Winter - $3,000 or DIY?

TRC wrote:It's pretty easy, but tedious. Especially if you have hand rails.


Use a painting mitt on the spindles.

Click here for picture.
by user5027
Mon Sep 12, 2016 9:03 am
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 3604

Re: Best Flashlight to keep in home for emergency

The flashlight app on my smartphone. I use it until I find the next item. We have three of these (one for me, the wife and one guest)... http://www.homedepot.com/p/Rayovac-Indestructible-3AAA-100-Lumen-Headlight-DIYHPHL-B/202968174 Best style for dealing with a power outage and are great for working...
by user5027
Fri Sep 09, 2016 11:01 pm
Forum: Investing - Theory, News & General
Topic: Everything down today - except Junk!
Replies: 17
Views: 2280

Re: Everything down today - except Junk!

Sidney wrote:according to the VG site, VWEAX was down .34% today


Now you ruined his day.
by user5027
Fri Sep 09, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Gas station - good business?
Replies: 69
Views: 5377

Re: Gas station - good business?

The first thing I thought of was the environmental issues with the leaking underground tanks. Then I saw the OP said the friend is currently in the dry cleaning business. Not sure if that is doing the actual dry cleaning onsite or just a store with the dry cleaning by someone else offsite. Dry clean...
by user5027
Fri Sep 09, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 174
Views: 14389

Re: Vanguard Customer Service

I would imagine the market sell-off today is crushing the phones at Vanguard.
by user5027
Fri Sep 02, 2016 4:53 pm
Forum: Investing - Theory, News & General
Topic: Calculating Future SS Benefits
Replies: 20
Views: 1120

Re: Calculating Future SS Benefits

I used the AnyPIA program that I downloaded from the SS Website. I needed to input my earnings history with zeros for the future years.
by user5027
Sun Aug 28, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Income Tax Prep Software?
Replies: 17
Views: 1220

Re: Income Tax Prep Software?

I switched from Turbotax to Taxact for 2015 when the Vanguard deal ended. I was happy with Taxact.

Edit: This was the download version with two states (NY and PA).
by user5027
Sat Aug 27, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Upcoming Road Trip Restaurant Recommendations
Replies: 23
Views: 1750

Re: Upcoming Road Trip Restaurant Recommendations

Diner in Philly...

Everybody who knows goes to Melrose...
Youtube Jingle

Close to the stadium complex too...
Melrose website
by user5027
Fri Aug 26, 2016 8:46 pm
Forum: Personal Consumer Issues
Topic: Upcoming Road Trip Restaurant Recommendations
Replies: 23
Views: 1750

Re: Upcoming Raod Trip Restaurant Recommendations

njboater74 wrote:It's Nutts is not really on the way between North Brunswick and Philadelphia, and would require a 20 minute drive in each direction from I-95.


It is 5 minutes from 95.

Link to Google Maps with Directions from 95
by user5027
Fri Aug 26, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Upcoming Road Trip Restaurant Recommendations
Replies: 23
Views: 1750

Re: Upcoming Raod Trip Restaurant Recommendations

I like smaller, mom and pop type restaurants (think Diners, Drive-Ins, and Dives), so not really looking for the fancy type. When I read this I thought of It's Nutts. They are half way between Philadelphia and North Brunswick a few miles off I-95. They have a very extensive menu for the looks of th...
by user5027
Fri Aug 26, 2016 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 116
Views: 10789

Re: Anyone else getting nervous and converting to cash as a short-term move?

Hiwatter wrote:Just curious!

thanks


I just heard Harry Dent on FBN with Stuart Varney and he is or at least is telling everyone to. :shock:

I also heard he has flawlessly predicted twenty of the last two crashes. :oops:
by user5027
Fri Aug 26, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: Where to mount winter tires?
Replies: 31
Views: 2168

Re: Where to mount winter tires?

You might also consider buying a winter tire/steel wheel package from Tire Rack. 16" steel wheels are only about $60 each. TR ships them to you mounted and balanced. Then you can DIY install/remove each year without the hassle of going to the tire store. Plus you avoid potential damage to the ...
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: 3203

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: 1187

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: 85
Views: 5306

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: 2673

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: 47
Views: 4484

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: 2430

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: 2048

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: 3969

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: 6641

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: 1460

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: 2464

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: 561

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: 880

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: 880

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: 1135

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: 247

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: 1630

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: 800

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: 2438

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: 7200

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: 5029

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: 1134

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: 968

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: 1134

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: 1344

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: 1365

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: 2119

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: 2119

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: 10171

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: 2119

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: 541

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: 1128

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.

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