Search found 613 matches

by user5027
Sat Dec 03, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Martinique
Replies: 7
Views: 902

Re: Martinique

If anyone has been there, do you have any suggestions on good beaches for swimming? I was at Club Med in Martinique around 1982. As far as beach swimming... watch out for the sea urchins. My friend dove off a pier along the shore line and encountered a sea urchin with their hand, resulting in a sti...
by user5027
Sun Nov 27, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Overpaid Estimated Taxes and Expect a Refund- Make 4th Q Payment?
Replies: 2
Views: 405

Re: Overpaid Estimated Taxes and Expect a Refund- Make 4th Q Payment?

dependapotamus wrote:I've been playing with Turbotax and it appears that I should be getting a refund on my taxes this year. It looks like I have overpaid my quarterly estimated taxes for my 1099 work. Am I required to make a Q4 payment even though it would all be refunded?


No.
by user5027
Fri Nov 25, 2016 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Is it hard to reverse a Roth conversion in the same year?
Replies: 6
Views: 452

Re: Is it hard to reverse a Roth conversion in the same year?

I wait until April and recharacterize my excess after doing my taxes. As an example; I convert in 2016 and recharacterize any excess to stay in the 15% bracket in April 2017 although I have until Oct 2017.
by user5027
Tue Nov 22, 2016 9:26 pm
Forum: Personal Consumer Issues
Topic: Bowling alley in the basement
Replies: 30
Views: 2783

Re: Bowling alley in the basement

Mike Piazza grew up with a batting cage in the basement.
by user5027
Tue Nov 22, 2016 1:30 pm
Forum: Forum Issues and Administration
Topic: Thanks BH for a non-political oasis
Replies: 23
Views: 2341

Re: Thanks BH for a non-political oasis

Can you guys and gals go over and moderate Facebook? :D
by user5027
Tue Nov 22, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterization and Conversion Questions
Replies: 3
Views: 223

Re: 2 Recharacterization and Conversion Questions

I convert more than enough during the calendar year. In April of the following year I determine the exact amount the conversion should be to be at the top of the 15% bracket and recharacterize the excess. I've heard i-orp described as being aggressive with conversions. You may want to look at how mu...
by user5027
Tue Nov 22, 2016 10:43 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 168
Views: 12632

Re: Retreat to cash

My investing horizon is well beyond what you are talking about.
by user5027
Tue Nov 22, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: I just fired my son - trying to teach about hard work and money
Replies: 37
Views: 3864

Re: I just fired my son - trying to teach about hard work and money

If you want to teach him what life is like have him contact the union shop steward and file a grievance. :happy
by user5027
Mon Nov 21, 2016 10:08 pm
Forum: Personal Consumer Issues
Topic: Yahoo finance site going down hill?
Replies: 22
Views: 2808

Re: Yahoo finance site going down hill?

About a week ago "My Portfolio" showed up in a new format I was having a hard time getting use to. It combined holdings while I preferred having them separated since I like seeing all my account types (tIRA, Roth, Taxable) together. Just this afternoon it went back to the old format, hopef...
by user5027
Mon Nov 21, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Bowling alley in the basement
Replies: 30
Views: 2783

Re: Bowling alley in the basement

Have you ever thought about putting a bowling alley in your basement? Do you know anyone that has done so? I would be curious on how much it cost, how bad the maintenance is, and any other comments if someone here has done this or known someone who has. No and no but I'll comment anyway. Moisture a...
by user5027
Mon Nov 21, 2016 9:40 am
Forum: Investing - Theory, News & General
Topic: Father passed - First steps to taking over finances?
Replies: 25
Views: 2164

Re: Father passed - First steps to taking over finances?

Sorry for your loss.

Tax return records can provide a lead to investments. Look for 1099's. They will show the source for the interest and dividends reported as income.
by user5027
Sat Nov 19, 2016 8:50 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier for our basement
Replies: 19
Views: 1111

Re: Dehumidifier for our basement

Our dehumidifier is mounted on a stand high enough that it drains into the condensate pump for our heat pump.
by user5027
Mon Nov 14, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Postpone Roth Conversion for Lower Tax Rate
Replies: 7
Views: 592

Re: Postpone Roth Conversion for Lower Tax Rate

You may want to do a conversion for 2016 and then consider recharacterizing later after seeing which way the wind blows and reading the tea leaves. You have until October of 2017 to recharacterize. The conversion must be done by 12/31/16.
by user5027
Sun Nov 13, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Industry Icon Award & PBS Broadcast *Alert* - When I'm 65
Replies: 4
Views: 802

John Bogle Industry Icon Award & PBS Broadcast *Alert* - When I'm 65

In today's (11/13/16) Philadelphia Inquirer John Bogle is honored by the Philadelphia Business Hall of Fame. See the link to article at end. John Bogle: A savings innovation and philosophy that remain relevant John Clifton Bogle works in a sunny office lined with books, piles of newspapers and resea...
by user5027
Fri Nov 11, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Home shopping, Potential roof leaking despite new roof
Replies: 22
Views: 1320

Re: Home shopping, Potential roof leaking despite new roof

I just had a new roof put on our house--one with a 50-year guarantee. We had a leak with the first hard rain. I called the roofing contractor and he refused to come back and fix the leak. So I had little choice but to hire another roofer to repair it. So my take is the guarantee isn't worth the pap...
by user5027
Fri Nov 04, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Cost for Holiday Lighting
Replies: 13
Views: 1214

Re: Cost for Holiday Lighting

Sounds like a lot. Does that include the cost of the decorations and take down? I use to work with a guy whose wife worked for Macy's. All she did was travel around to all the stores in a 100 mile radius and do the display windows. During the holidays the couple pulled in some side money by decorati...
by user5027
Thu Nov 03, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Home Repair: Which Pipe for Water Service Replacement and Insurance Question
Replies: 12
Views: 1035

Re: Home Repair: Which Pipe for Water Service Replacement and Insurance Question

If you do go with the plastic make you may need to check the bonding/grounding of your plumbing and anything connected to it.
by user5027
Mon Oct 31, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Hunter Fan issues - Advice please
Replies: 15
Views: 1638

Re: Hunter Fan issues - Advice please

We just had the opposite issue. Redid the roof, gutters & downspouts, skylights, roof ventilator fan and cathedral ceiling. All 28 years old and prompted by a ventilation issue due to the cathedral ceiling and hipped roof. We considered replacing the 28 year old ceiling fan too, until I found th...
by user5027
Mon Oct 31, 2016 6:41 pm
Forum: Personal Consumer Issues
Topic: leaf blower, chainsaw, hedger or single tool
Replies: 26
Views: 1952

Re: leaf blower, chainsaw, hedger or single tool

To finish the saying...
ByThePond wrote: Jack of all trades, etc...


Master of none.
by user5027
Sun Oct 30, 2016 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions - Best Practices and Lessons Learned
Replies: 16
Views: 2120

Re: Roth Conversions - Best Practices and Lessons Learned

1) I open a new Roth. It makes recharacterizations easier.

2) I am doing partial conversions each year up to the top of the 15% bracket.

I rough out our taxes and convert more than enough during the calendar year and then recharacterize the excess after doing our taxes in April.
by user5027
Thu Oct 27, 2016 8:32 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3404

Re: How do you make your Martini?

I use to work for a guy who would order a "Beefeater Martini straight up and only let the vermouth bottle close enough to allow the sunlight to go through the vermouth bottle and into the martini glass." :sharebeer
by user5027
Fri Oct 21, 2016 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare costs and self funding
Replies: 96
Views: 6246

Re: Healthcare costs and self funding

In 1985 my inlaws were in their mid 50's. My father-in-law was between jobs and had no health insurance. My mother-in-law got sick, went into the hospital and died from lung cancer over a 2-3 month period. He negotiated a payment plan with the hospital and doctors. My father-in-law married a widow a...
by user5027
Wed Oct 19, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: Interstate movers
Replies: 17
Views: 1283

Re: Inter state movers

TravelGeek wrote:U-Haul :)

Our move was an opportunity to donate/sell/dispose off a lot of stuff and fit the rest into a truck that we could load ourselves (and a friend was comfortable driving for 600 miles).


Just like the Clampett's.

Image
by user5027
Tue Oct 11, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Velux skylights
Replies: 23
Views: 1708

Re: Velux skylights

htdrag11 wrote:For those who have ordered the solar powered blinds, how dark is the double pleated? Our skylights have southern exposure. We're thinking of Charcoal or Grey.


On the transparent-translucent-opaque scale, they are opaque.
by user5027
Tue Oct 11, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: Velux skylights
Replies: 23
Views: 1708

Re: Velux skylights

We have only had Velux. Just replaced them after 28 years as part of a roofing project to solve a ventilation issue over a cathedral ceiling. One skylight had minor fogging and was not serious enough to replace but since we did the roof we decided it was best to replace the 28 year old skylights, gu...
by user5027
Mon Oct 10, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Tattoo Costs and Removal
Replies: 39
Views: 3452

Re: Tattoo Costs and Removal

You could always use Turlington's Lower-Back Tattoo Remover at the following...

Link
by user5027
Fri Oct 07, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Paint peeling off in ceiling
Replies: 23
Views: 1143

Re: Paint peeling off in ceiling

The pipe is the vent for your sewer piping. It should have a boot around it at the top of the roof. See picture

That maybe the source of your water. It is a good idea to check when it rains.
by user5027
Wed Oct 05, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and Taxes
Replies: 10
Views: 1142

Re: Marriage and Taxes

If you pay state income tax you should look at that too. Our son lives in PA but works in NY and pays NY State Income Tax. When he married, his NY tax jumped even though his wife did not work in NY. NY is a progressive tax rate. As I recall, if you file your federal Married Joint, you must file your...
by user5027
Tue Oct 04, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 6449

Re: Vitamix Worth It?

I was always partial to the Super Bass o Matic 76.

https://www.youtube.com/watch?v=0BQFv83QJ2Y
by user5027
Sun Oct 02, 2016 11:35 am
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 111
Views: 7182

Re: How Did You Become A Boglehead? What Led You Here?

I was researching how to find a financial advisor with google, found Bogleheads.org and discovered I did not need one. Thank you Bogleheads! :sharebeer

This is a good thread to remind remind everyone of the "Support this Site" button under the top right corner.
by user5027
Sun Oct 02, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Choosing home with Natural Gas vs Oil Heat
Replies: 39
Views: 2166

Re: Choosing home with Natural Gas vs Oil Heat

I'll give a plus to the home with natural gas. It can fuel a whole house standby generator without dealing with having propane delivered.
by user5027
Thu Sep 29, 2016 4:24 pm
Forum: Personal Consumer Issues
Topic: Chimney Help, Please
Replies: 28
Views: 1785

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: 3444

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: 4080

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: 2371

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: 5650

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: 177
Views: 15241

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: 1203

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: 1286

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: 1832

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: 1832

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: 1832

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: 11518

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: 2324

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: 3513

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: 1224

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: 5769

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: 2755

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.

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