Search found 762 matches

by user5027
Sat May 12, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Help With Insurance Needs While Living Abroad
Replies: 7
Views: 694

Re: Help With Insurance Needs While Living Abroad

If your home will be unoccupied you should read your homeowners policy and/or discuss with your agent/insurance company. You wouldn't want a claim denied for not abiding by the terms of your policy.
by user5027
Thu May 10, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Custom suit needed for a wedding. Help me shop around!!
Replies: 30
Views: 2081

Re: Custom suit needed for a wedding. Help me shop around!!

Go to where the best dressed coach in men's basketball goes...
https://dbtailors.com/
by user5027
Wed May 09, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2067

Re: Vehicle Tires and Dry Rot

Exposure to sunlight is a factor.

You see RVs parked long term with covers over the tires.
Tires will last longer on a garaged low mileage car than on one parked outside.
The spare is in the trunk usually.
by user5027
Wed Apr 18, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5432

Re: [When is going out to a restaurant worth it to you?]

- When we have a coupon, Living Social or Groupon I don't want to hijack this thread, but has anyone else had the experience of going to a restaurant with a Living Social, Restaurant.com, or Groupon certificate, discount coupon, or gift card and gotten the Thing that just crawled out from under a r...
by user5027
Sat Apr 07, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5432

Re: [When is going out to a restaurant worth it to you?]

- For a celebration
- When it is Restaurant Week
- When we have a coupon, Living Social or Groupon
- When someone else is buying :D
by user5027
Thu Apr 05, 2018 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Used a Healthcare Broker--and I liked it!
Replies: 15
Views: 2193

Re: Used a Healthcare Broker--and I liked it!

OnTrack wrote:
Thu Apr 05, 2018 12:03 am
How does one get a group plan if not employed or a business owner?
I'm retired and on my wife's group plan through her employment.
by user5027
Thu Mar 29, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Printing out a ten thousand page form 8949 for the IRS?
Replies: 48
Views: 5096

Re: Printing out a ten thousand page form 8949 for the IRS?

So much for filing your taxes on a postcard. :D
by user5027
Thu Mar 08, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Is this too much for a kitchen?
Replies: 69
Views: 6743

Re: Is this too much for a kitchen?

I knew a guy that did kitchens and baths. He said he could always judge how serious the buyers are by looking for a new corvette in the driveway. If there was, he got his and now she is getting hers. :D
by user5027
Wed Feb 21, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 30
Views: 3142

Re: What's the impact of no more Roth recharacterization?

I always did my conversion early in the year. Now I am waiting to do it later in the year. The stock market has had more up years than down years. If that continues, it would be better to convert early in the year. If it doesn't continue, you might not want to be in the stock market. Which is why I...
by user5027
Wed Feb 21, 2018 7:13 am
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 30
Views: 3142

Re: What's the impact of no more Roth recharacterization?

I always did my conversion early in the year. Now I am waiting to do it later in the year.
by user5027
Fri Feb 16, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7167

Re: How to get child's skin in the game for college?

Our two children took the subsidized loans and the deal was if they finished school Mom & Dad paid off the loans and if they did not finish, they had to payoff the loans. I remember our son saying "that's a no brainer." They both finished and we paid.
by user5027
Wed Feb 07, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Philadelphia and Pittsburgh local taxes
Replies: 12
Views: 917

Re: Philadelphia and Pittsburgh local taxes

moneywise3 wrote:
Wed Feb 07, 2018 8:42 am
I believe only Philadelphia county area is taxed. If you are in suburbs, which is most of Philly, you aren't taxed.
Actually many of the PA municipalities and school districts surrounding Philadelphia have a Local Earned Income Tax in an effort to reduce real estate taxes.
by user5027
Wed Feb 07, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Philadelphia and Pittsburgh local taxes
Replies: 12
Views: 917

Re: Philadelphia and Pittsburgh local taxes

Philadelphia does have a wage tax.
by user5027
Tue Feb 06, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Keep your eye on the owner, not the dog
Replies: 31
Views: 4936

Re: Keep your eye on the owner, not the dog

TonyDAntonio wrote:
Tue Feb 06, 2018 12:28 pm
I actually like a cartoon I saw in a Ric Edelman book. It was a kid climbing a hill with a yo-yo going up and down. Pay attention to the hill climb not the short-term ups and downs of the yo-yo.
Put the yo-yo string on a routine service schedule. I'd hate to see it break! :idea:
by user5027
Tue Feb 06, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Keep your eye on the owner, not the dog
Replies: 31
Views: 4936

Re: Keep your eye on the owner, not the dog

btenny wrote:
Tue Feb 06, 2018 12:23 pm
It sure is fun to stop and pet the dog occasionally. Most of them love the attention!!!!!
Our dog will roll over so you can rub his tummy. Just make sure he doesn't squirt on you! :D
by user5027
Sun Jan 14, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3470

Re: How long do you save tax returns?

Asked and answered.

Link

And I am not a lawyer, but I have been at depositions.
by user5027
Fri Jan 12, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Career Changer Traditional 401k/ to Roth IRA Conversion Question
Replies: 1
Views: 124

Re: Career Changer Traditional 401k/ to Roth IRA Conversion Question

My question is: Would it be beneficial for me to roll my entire pretax (and possibly general account containing vested employer match) account into a traditional IRA, and then gradually convert this balance to a Roth IRA. Does the converted balance count as annual income for the year? Or would I ne...
by user5027
Thu Dec 28, 2017 8:02 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine
Replies: 41
Views: 6528

Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine

Just came across an interesting read this morning...

As the once-scrappy Malvern company approaches $5 trillion in assets, even founder Jack Bogle has to wonder: Has Vanguard simply gotten too big?

Link
by user5027
Tue Dec 19, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best online, real time tracker to watch my portfolio
Replies: 25
Views: 2133

Re: Best online, real time tracker to watch my portfolio

hirlaw wrote:
Tue Dec 19, 2017 10:47 am
When you use a service such as Personal Capital or Yahoo to track your investments, are you giving them your actual user names and passwords for each account?
For Yahoo you are not giving Yahoo your usernames and passwords for your financial accounts. You of course need a yahoo account.
by user5027
Tue Dec 19, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Best online, real time tracker to watch my portfolio
Replies: 25
Views: 2133

Re: Best online, real time tracker to watch my portfolio

I use Yahoo / Finance / My Portfolios. It can be a little quirky at times but I have my need satisfied. I get real time data and can leave a browser page open in the corner of my monitor, if I want or even check it on my phone while waiting in the deli line. Don't worry, I am a true Boglehead buy an...
by user5027
Fri Dec 08, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 111
Views: 9252

Re: Quit jobs to gain lower EFC

samsoes wrote:
Fri Dec 08, 2017 6:29 am
What is EFC?

Non-intuitive acronyms are ubiquitous on this forum.
Expected Family Contribution
by user5027
Wed Dec 06, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 71
Views: 7246

Re: Dad Needs Help Buying Wedding Liquor

The coverage would be Host Liquor Liability. It should be cheap for a single event. Call your insurance agent. Make sure the bartender/server is "Tips Certified" and checking ages/ids.
by user5027
Tue Dec 05, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Why ORP-I suggests you spending down aft-tax saving 1st?
Replies: 29
Views: 2598

Re: Why ORP-I suggests you spending down aft-tax saving 1st?

If gains are involved, selling and spending down taxable investments in low income years before pensions, social security and/or rmd's kick in could incur lower capital gains tax.
by user5027
Tue Nov 21, 2017 4:48 am
Forum: Investing - Theory, News & General
Topic: recharacterization question
Replies: 2
Views: 553

Re: recharacterization question

I am planning on doing a tIRA to Roth Conversion in the next few weeks and have a recharacterization question for those that are familiar with the process details. Me: -Retired, aged 67, with little to no wage income expected in 2018. -I'm anticipating doing a $30,000 tIRA conversion to a Roth in D...
by user5027
Mon Nov 20, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Returns - How Long Do you Keep?
Replies: 56
Views: 5628

Re: Tax Returns - How Long Do you Keep?

I have most if not all, at least back to the early 1980's. Can't recall if I ever needed them. So far social security has my earnings record correct. If they ever drop off say 10 years, the first place I will look is my tax returns to prove them wrong. With my voting record I would hate to have to a...
by user5027
Mon Nov 13, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: buying a tux - any experience with Indichino?
Replies: 7
Views: 688

Re: buying a tux - any experience with Indichino?

I got one 6 years ago from myowntuxedo.com and am happy with it.

I think it was used jacket and pants and two new shirts and a tie.
by user5027
Sat Nov 11, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA EFC number shock! [Expected Family Contribution]
Replies: 39
Views: 4912

Re: FAFSA EFC number shock!

It has been ten years since we filled out the FAFSA. For three years we had two in college. The EFC gets divided by the number of family members in college. That helped for those three years.
by user5027
Tue Oct 17, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 22
Views: 4028

Re: Roofer stopped showing up - what are my options?

This is little help to you now but will help others in the future. Summer 2016 we replaced our 28 year old roof, 2 skylights, powered roof vent, gutters/downspouts and entire master bedroom cathedral ceiling drywall. The job also included installing hip vents to solve a common ventilation issue with...
by user5027
Tue Oct 10, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2420

Re: Moving Stroke Victim Out of State

If you turn off the water also turn off the hot water heater.
by user5027
Mon Oct 02, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 8474

Re: Are credit cards rewards worth it?

The university my daughter did her bachelors at accepted tuition payments with a credit card with no fee. I generated enough rewards on a Home Depot credit card to buy a refrigerator. Every time I open the fridge I think of that. Just as she graduated they announced they would begin charging a fee l...
by user5027
Tue Sep 26, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 9745

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

Not sure this would work for your specific procedure, but when my fiance needed a doctor in a new location, her father walked into the local pharmacy and asked the pharmacist. It worked. The physician was excellent and we stuck with him until he unfortunately went concierge.
by user5027
Thu Sep 14, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Bank charges monthly fee for Quicken and Quickbooks
Replies: 6
Views: 745

Re: Bank charges monthly fee for Quicken and Quickbooks

spammagnet wrote:
Thu Sep 14, 2017 6:58 am
It's not entirely a junk fee because the bank has to pay a license fee to Quicken and there are other costs involved in providing the service.
I hope my bank charges a fee for the service since I don't use it. Otherwise all customers are paying for the ones that do.
by user5027
Sat Sep 09, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 4161

Re: Flood Insurance when not in flood plain?

I live in a flood plain and I have flood insurance.

Get a quote. If you are not in a flood risk area it will be cheap. Or wait until your new neighbor Noah moves in and starts building an ark. :D
by user5027
Sun Sep 03, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Central vacuum
Replies: 6
Views: 860

Re: Central vacuum

We just bought a condo that has a central vacuum sitting in the attic. I would re-read the sales listing information and see if it included the central vacuum. Was the condo inspected as part of the sale? I would think the inspector would have seen the vacuum in the attic, if it was there then, and...
by user5027
Mon Aug 28, 2017 5:05 am
Forum: Personal Consumer Issues
Topic: Laptop: 2-in-1 vs. Detachable?
Replies: 21
Views: 2495

Re: Laptop: 2-in-1 vs. Detachable?

I've had a HP Pavilion x360 for 3 years. At home it is connected to a Logitech external keyboard and mouse and a 23 inch Samsung second monitor. When I travel I use it as a tablet 50% of the time. I usually take the mouse with me.

It works for me. Full size when home and compact to travel.
by user5027
Thu Aug 24, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 5470

Re: Exhaust Fan for the bathroom

I always went for the noisiest fan. There are times you want a constant drone to block out an occasional outburst. :idea:
by user5027
Tue Aug 22, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 49
Views: 3314

Re: Can you recommend a good mouse trap?

I agree with the old fashion wood snap traps baited with peanut butter.

I never throw out the trap with the dead mouse, but always re-use the trap. I don't understand throwing out a perfectly well performing trap. If you throw the good ones out, you are only left with the ones that do not work.
by user5027
Sat Aug 19, 2017 12:48 am
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1965

Re: How do you know how much your portfolio lost/gain in one day?

ccieemeritus wrote:
Fri Aug 18, 2017 2:44 pm
I manually entered my holdings into a Yahoo finance portfolio. It updates based on prices daily.
+1
by user5027
Sat Aug 12, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Should I buy a paint sprayer?
Replies: 10
Views: 1367

Re: Should I buy a paint sprayer?

I never used a sprayer but my experience may help you. We rebuilt our home and we held the painting back from the GC and did it ourselves. A co-worker loaned me his "power roller." It was an electrically powered pump that pumped the paint right out of the can through a hose and roller handle to the ...
by user5027
Wed Aug 09, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Toyota Radio and Backup Camera No Longer Work
Replies: 41
Views: 3411

Re: Toyota Radio and Backup Camera No Longer Work

Make sure the fuse(s) are not blown.
by user5027
Tue Aug 01, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: does solar increase the value of a house
Replies: 61
Views: 6512

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. Another reported issue... Fire official: Solar panels impede firefighters in putting out Middletown house fire .... But Bampfield said the solar panels prevented the roof...
by user5027
Mon Jul 31, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1820

Re: Florence Hotels.......

In May 2016 we enjoyed a stay at the Grand Hotel Baglioni. It is very close to the train station.
by user5027
Wed Jul 19, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: Complex (profitable?) Roth Conversion Strategy
Replies: 23
Views: 2250

Re: Complex (profitable?) Roth Conversion Strategy

Example: Joe has $1M in his tIRA and $0 in Roth when he retires at age 55. He plans to maintain a 60/40 AA (ignoring the different values of a pre-tax dollar versus Roth dollars to keep the example as simple as possible). He decides that he wants to 100% convert his tIRA to Roth over the next ten y...
by user5027
Sat Jul 15, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 4353

Re: what's your secrete to cleaning inside car windows?

I think the inside of car windows are hardest given the angles, how I need to twist my joints that don't want to be twisted, and the weird film that develops on them (I assuming from heating plastics. Back window always a pain. It was very hard to get the interior surface of the windows clear on ou...
by user5027
Thu Jul 13, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 3990

Re: Working in New York City and living in NJ

If you file your federal return as Married Filing Jointly, New York requires you to file the same way, even if the spouse's income is not earned in New York. Tax is only paid on the income earned in New York, but the rate is determined by the jointly earned income. It is a progressive tax. A high ea...
by user5027
Wed Jul 12, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: bob brinker on Roth [conversion]
Replies: 26
Views: 3771

Re: bob brinker on Roth

If you convert on Jan 1, 2018 you have until Oct 2019 to recharacterize.

A 2017 conversion can be recharacterized as late as Oct 2018.

If you already filed you will need to amend.