Search found 1594 matches

by RudyS
Wed Nov 13, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10508

Re: Seller's agent not letting us use a buyer's agent

I ended up paying my attorney less than 1% of the agreed price. Add in a licensed, bonded property inspector, who worked for me and not anybody else, and it was just about one percent total. PJW Wait you paid your attorney a % based on sale price? Why? Did he do anything agent related? I’ve never s...
by RudyS
Wed Nov 13, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10508

Re: Seller's agent not letting us use a buyer's agent

I keep coming back to find out what happened to the OP and their transaction. But there is so much extraneous arguing going on I feel I'm wasting my time. Too bad.
by RudyS
Tue Nov 12, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Scale of Lionel Trains Rolling Stock: Early 1950's vs. Current Vintage
Replies: 7
Views: 857

Re: Scale of Lionel Trains Rolling Stock: Early 1950's vs. Current Vintage

Here's a math problem for you. Standard railroad gauge is 4 ft 8.5 in measured between the rail faces. Measure the Lionel "O" gauge track and see whether it is 1/48 or 1/64 of the standard gauge. Next try googling one of the box cars or locomotives to get the full size dimension. Then it's the same ...
by RudyS
Tue Nov 12, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: $10K wire transfer - loan to son - tax implications?
Replies: 11
Views: 1051

Re: $10K wire transfer - loan to son - tax implications?

When my kids bought a house, the bank required a statement that the money I gave them was a gift, NOT a loan. Has to do with their ability to repay the mortgage. I had to sign a statement that it was a gift. And so it was. No assurance that I'd ever see the money again. After several years, my son w...
by RudyS
Mon Nov 11, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: State Estate Tax Consideration
Replies: 16
Views: 968

Re: State Estate Tax Consideration

I don’t know that I personally would move just to avoid taxes on my estate. 6+ months is a lot of time to spend outside of Massachusetts if that’s your preferred state. With aggressive residency audits by some states when residents move, you really have to be outside the state for 6+ months. Have y...
by RudyS
Mon Nov 11, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: State Estate Tax Consideration
Replies: 16
Views: 968

Re: State Estate Tax Consideration

Currently working with an estate attorney since we just moved to Massachusetts. If you goggle Massachusetts estate tax, you will find links to several pages written by attorneys describing how a revocable trust can remove $1 million from the taxable estate. This won't help very much, but it will hel...
by RudyS
Sun Nov 10, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11175

Re: Saving seats on Southwest

How about the couples that choose the two aisle seats across from each other, hogging both 3 seat groups? What's wrong with that? It's open seating. If they both like aisles, they should do exactly this. Same as the rudeness of saving seats or choosing the aisle and window, hoping no one sits in th...
by RudyS
Sun Nov 10, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback on specific Michigan/Midwest insurers
Replies: 11
Views: 633

Re: Feedback on specific Michigan/Midwest insurers

AAA: Have had them for auto (only) "forever" (at least 30 years). I know I should have shopped the policy, but never did - till I left the state! Only two claims in that time. One at fault, other one not. Settlement and service was great. Autoowners: Had them for homeowners and umbrella "forever" to...
by RudyS
Sat Nov 09, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10508

Re: Seller's agent not letting us use a buyer's agent

.... I'm a Realtor, and in general don't tend to have potential buyers sign a buyer's rep agreement until they're ready to actually make an offer, but many buyer's agents do. In future, feel free to go to Open Houses, but always tell them you are working with an agent already. (For the most part, a...
by RudyS
Fri Nov 08, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Flight Delay in Europe
Replies: 20
Views: 1670

Re: Flight Delay in Europe

So if your flight is delayed in Europe, look up the rules. We had a similar experience at de Gaulle (except our delay there led us to spend the night in Minneapolis :oops: ). Quickest $2,800 ever made. The rule is called Regulation 261 How did you get $2,800? How many in your party? TravelforFun Is...
by RudyS
Thu Nov 07, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Free Turbotax 2019
Replies: 19
Views: 2928

Re: Fidelity Free Turbotax 2019

I'm thinking about how desperate somebody with $5M+ assets with Fidelity would be to save 20 or 50 dollars on tax software, that Fidelity would use that as an advertising perk. Financially, it's down in the noise, yes, but don't discount the value of the ego boost of getting for free something that...
by RudyS
Thu Nov 07, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Amica - Auto Policy, only 6 months
Replies: 37
Views: 2468

Re: Amica - Auto Policy, only 6 months

Geico switched from 12 to 6 month policies many years ago. I was annoyed at the time, but I got over it. You will, too. GEICO, in general, is a non-standard company, and, as such, its rate structure tends to appeal to higher risk customers (fairly young, fairly old, violations/accidents, etc...), a...
by RudyS
Wed Nov 06, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6338

Re: Do you wash berries?

....saw a woman open up the plastic boxes and actually inspect several berries in each box for mold before PLACING THEM BACK. She wasn't going to buy them! I don't think of berries like apples or oranges. It seems a bit gross for people to touch them inside the box and then not buy them! If this is...
by RudyS
Wed Nov 06, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Spectrum Internet has a good scam going
Replies: 60
Views: 7142

Re: Spectrum Internet has a good scam going

To provide me with internet for a few days at the time of a move, I set up my Verizon phone as a wifi hot spot. Costs a bit for the data, but no big deal for the few days and limited usage.
by RudyS
Sat Nov 02, 2019 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: No out of network coverage
Replies: 61
Views: 3676

Re: No out of network coverage

For those over 65 (approx.) but still working, and still on a "company" plan, this might make Medicare a preferred choice. All depends on the specific plan. Some considerations here: https://www.fidelity.com/viewpoints/ret ... ng-past-65
by RudyS
Tue Oct 29, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Women wearing black to a wedding?
Replies: 56
Views: 4379

Re: Women wearing black to a wedding?

KlangFool wrote:
Tue Oct 29, 2019 3:45 pm
OP,

Don't assume. Ask the host.

KlangFool
I''ve been reading this thread to DW. She says yours is the best answer she heard.
by RudyS
Tue Oct 29, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3451

Re: Part D - thinking of shifting to Walmart

I currently have a part D plan that has CVS as preferred pharmacy. My companies retiree front end (Via Benefits) is finally working well and shows a variety of plans that are lower cost (I use almost no Rx). The best deal is a Humana plan with Walmart as the preferred pharmacy. Does anyone have any...
by RudyS
Sun Oct 27, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Fish Boil in Sturgeon Bay WI
Replies: 9
Views: 844

Re: Fish Boil in Sturgeon Bay WI

Whitefish are an oily fish that are cut into steaks and placed into a large boiling caldron of salt water. Potatoes, onions, and carrots are all boiled in the same pot. At the end they flame the oil off the top and strain out the goods. Went to one in Door County once. They threw something in at th...
by RudyS
Sun Oct 27, 2019 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 5187

Re: Who does your tax returns?

Hockey10 wrote:
Fri Oct 25, 2019 7:59 am
I use TurboTax, plus I read all of the tax questions posted on Bogleheads. You can lean a lot from livesoft.....
+1
by RudyS
Fri Oct 25, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4894

Re: First Republic Bank doesn’t have physical coins

In my area, many of the banks won't deposit coins anymore unless they are wrapped first. We often do a fundraiser where we get a lot of coins and we are having to go further away to find a bank that will accept them. The only alternative is for publicly available coin sorting machines that take a p...
by RudyS
Tue Oct 22, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Entrance Fee for Retirement Community
Replies: 39
Views: 5034

Re: Entrance Fee for Retirement Community

Another datapoint. DW and I are 78/83. Moved to a CCRC with lifecare plan several months ago. We enjoy the community spirit, lots of things to do, the other residents are almost all very friendly and outgoing. This place (independent living apts, assisted living, skilled nursing) is all in a couple ...
by RudyS
Mon Oct 14, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: [S-Corp tax witholding, ES-1040 excess payments]
Replies: 8
Views: 440

Re: Do I need to withhold taxes if paid enough via ES-1040

No penalty if you paid "enough" by any method. Payments must equal higher of last year's tax amount, or last year's payments. At "higher" incomes it's 110% not 100% of those amounts. Check for "safe harbor" for more details on timing. EDIT: There is more complete information in other posts following...
by RudyS
Mon Oct 14, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on dry cleaning?
Replies: 27
Views: 1515

Re: How much do you spend on dry cleaning?

AerialWombat wrote:
Mon Oct 14, 2019 11:13 am
I refuse to own clothing I can’t machine wash.
+1 Disclosure: been retired 17 years.
by RudyS
Mon Oct 14, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Business deduction: How to deduct mortgage interest for business when loan is in personal name?
Replies: 3
Views: 393

Re: Business deduction: How to deduct mortgage interest for business when loan is in personal name?

This looks to be similar to the tax treatment of a home office. That's what you suggested. You are using part of the property for the business. The way to calculate percentage used for business might be be tricky; for sure it is beyond my ability.
by RudyS
Mon Oct 14, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: LA Area | Suggestions for renting bus to transport wedding guests
Replies: 1
Views: 160

Re: LA Area | Suggestions for renting bus to transport wedding guests

Hopefully some one local to the area will have recommendations. If not, try calling the venue. They probably know some names and may even have contacts.
by RudyS
Mon Oct 14, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: Moving - Best moving/transport/storage company
Replies: 10
Views: 624

Re: Moving - Best moving/transport/storage company

We moved from midwest to northeast, about 800 miles. Sent the downsized contents of a house to a 1000 sq ft apartment. Arrival date was critical, pickup not so much so. We used United Van Lines for what they call a SnapMove. They loaded two containers on a day that was 10 days before the required a...
by RudyS
Sun Oct 13, 2019 9:28 pm
Forum: Personal Consumer Issues
Topic: Moving - Best moving/transport/storage company
Replies: 10
Views: 624

Re: Moving - Best moving/transport/storage company

We moved from midwest to northeast, about 800 miles. Sent the downsized contents of a house to a 1000 sq ft apartment. Arrival date was critical, pickup not so much so. We used United Van Lines for what they call a SnapMove. They loaded two containers on a day that was 10 days before the required ar...
by RudyS
Sat Oct 12, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Cancellating and Insurance Rates
Replies: 27
Views: 1556

Re: Credit Card Cancellating and Insurance Rates

Get another card.
About effect on car insurance rates: Some states (Massachusetts, California, Hawaii) do not allow insurance rates to be based on credit score.
It might be possible to get away without any credit card in daily life, but you will find it impossible to rent a car without one.
by RudyS
Sat Oct 12, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mass Estate Tax Question
Replies: 4
Views: 894

Re: Mass Estate Tax Question

Thank you for the clear and comprehensive answer! And thank you for your continuing assistance to all the Bogleheads on this forum!
by RudyS
Fri Oct 11, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mass Estate Tax Question
Replies: 4
Views: 894

Re: Mass Estate Tax Question

The Federal estate tax exclusion amount is $11.4 million, so there won't be any Federal estate tax since the estate is only $4.7 million (ignoring any taxable gifts during lifetime). The Massachusetts estate tax exclusion amount is $1 million. Since the estate is over $1 million, there will be Mass...
by RudyS
Thu Oct 10, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?
Replies: 64
Views: 4480

Re: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?

Lots of shops offer free brake inspections. Have one measure the remaining material in the pads and make a judgement. BTW, that's close to what I was asked to pay at a Subaru dealer for a 2015 Outback with 60,000 miles. Will go get that second opinion after a bit. Subaru said 2 mm left on one side, ...
by RudyS
Thu Oct 10, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Basement foundation wall a little bowed -- should I consult an engineer?
Replies: 11
Views: 1603

Re: Basement foundation wall a little bowed -- should I consult an engineer?

Seems that you could pay the engineer what should be a small amount to buy you peace of mind.
by RudyS
Tue Oct 08, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance [looking for information]
Replies: 52
Views: 3264

Re: Long term care insurance [looking for information]

LTCi policies are really money wasted, and you will always gladly find someone who is more than glad to take your money! Instead of sending it to your friendly insurance salesman, could you consider sending to me instead? :D If you are really that obsessed with the almightly tail risk then buy a "l...
by RudyS
Thu Oct 03, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank canceling credit cards??
Replies: 29
Views: 4769

Re: Chase Bank canceling credit cards??

The actionable lesson from this experience is to maintain relationships with multiple financial institutions. E.g., having only one credit card (as the OP´s friend did) can leave a person seriously inconvenienced when stuff like this happens. Absolutely. A single card issuer/single bank can let you...
by RudyS
Thu Oct 03, 2019 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D advise
Replies: 33
Views: 2532

Re: Medicare Part D advice

similar thread here https://www.bogleheads.org/forum/viewtopic.php?p=4770255#p4770255 Thanks, hadn't noticed that. It seems Humana is doubling the premium on the former Walmart policy around the country and still offering a Walmart plan at a rock bottom premium, the lowest of any available from any...
by RudyS
Wed Oct 02, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 7995

Re: Recourse for "Stolen" Money

I have his address and cell phone number. Have you stopped by and rang the doorbell? I have run into people over the years quick to blow off emails and such but when you see them face to face, they will do the right thing after making a lame excuse or too. It might also answer the question as to if...
by RudyS
Wed Oct 02, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking thoughts on constructing and storing household inventory (with photos)
Replies: 11
Views: 998

Re: Seeking thoughts on constructing and storing household inventory (with photos)

Many months? My time is worth far more than $27k. I’d put it all in the dumpster too. For little expenditure of time/effort, you can contract with an estate sale company. Just sit back and let them do it. May be a fee to cover final cleanout, but this is a good system. That's what we did when downs...
by RudyS
Sun Sep 29, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: will counter sag on custom built tv unit?
Replies: 13
Views: 1020

Re: will counter sag on custom built tv unit?

Without even considering the rest of the cabinet construction, it seems the plywood panel (I assume it's vertical) at the midpoint should prevent any perceptible sagging (assuming the tv unit will straddle this panel).
by RudyS
Sun Sep 29, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: *UPDATE* A/C and furnace - flooding
Replies: 52
Views: 4748

Re: *UPDATE* A/C and furnace - flooding

Let me try a brief summary: The buildup of particulates on a filter medium will make the filter more effective in removing more particulates. This is how industrial filter presses work - you first build up a cake on the filter clothes. That's true until the pressure drop across the unit increases (...
by RudyS
Sun Sep 29, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: *UPDATE* A/C and furnace - flooding
Replies: 52
Views: 4748

Re: *UPDATE* A/C and furnace - flooding

Let me try a brief summary: The buildup of particulates on a filter medium will make the filter more effective in removing more particulates. This is how industrial filter presses work - you first build up a cake on the filter clothes. That's true until the pressure drop across the unit increases (d...
by RudyS
Sun Sep 29, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Lend my car or pay for rental?
Replies: 16
Views: 1770

Re: Lend my car or pay for rental?

Does she have a credit card that could be used for the rental, which includes CDW? If so, I'd pay for the rental. Your choice how much you would be bothered if she had minor collision damage, no matter if she's at fault or not.
by RudyS
Sun Sep 29, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: What is protocol for cleaning house when moving?
Replies: 49
Views: 3394

Re: What is protocol for cleaning house when moving?

Our case was a bit unusual. We moved out of state, so the timing was this: put house on market, with occupancy/closing on a defined date (about 60 days out) to let us pack, move, then have estate sale prior to walk through and closing. From the date we moved, to closing, was about 3 weeks. We had cl...
by RudyS
Mon Sep 23, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: How can I figure out how much storage I will need for a move?
Replies: 7
Views: 534

Re: How can I figure out how much storage I will need for a move?

Will you be doing this as a DIY project, or hiring a mover for the move? Most moving companies also do storage and that might be cost effective. Someone suggested a u-haul guide, you could check with PODS also.
by RudyS
Sun Sep 22, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: wild caught sockeye salmon
Replies: 73
Views: 9686

Re: wild caught sockeye salmon

This is a reliable company. They claim no additives. https://www.great-alaska-seafood.com/Copper_River_King_Salmon.htm?gclid=Cj0KCQjwlJfsBRDUARIsAIDHsWrG_WwZGl9MSui2p1roBtRAyDgCbRxBLEWdE0Rmk9xeX_l9uiuXHrwaAkNsEALw_wcB $68/lb! That's for Copper River Salmon, a gourmet delicacy. Other wild caught sal...
by RudyS
Sat Sep 21, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: wild caught sockeye salmon
Replies: 73
Views: 9686

Re: wild caught sockeye salmon

This is a reliable company. They claim no additives.
https://www.great-alaska-seafood.com/Co ... NsEALw_wcB
by RudyS
Fri Sep 20, 2019 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO assigning higher risk driver to more expensive car
Replies: 12
Views: 1793

Re: GEICO assigning higher risk driver to more expensive car

I'm in Massachusetts, and completed the AARP course mostly for its own benefit. The discount would have been nice, but Geico was not listed as offering the discount. Was the same with AAA in Michigan.
by RudyS
Wed Sep 18, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Tax avoidance and estate planning ‘for the rich’?
Replies: 61
Views: 6526

Re: Tax avoidance and estate planning ‘for the rich’?

miamivice wrote:
Tue Sep 17, 2019 2:46 pm
Nobody has to pay estate taxes. The methods of avoiding paying estate taxes are available to all and clearly shown on the IRS website.
You probably mean FEDERAL estate taxes. Massachusetts is not that nice!
by RudyS
Wed Sep 18, 2019 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Aid Volunteering for AARP or VITA
Replies: 52
Views: 2980

Re: Tax Aid Volunteering for AARP or VITA

In our TCE training, we are told that we are shielded from liability as long as we only do returns that are WITHIN scope, which is defined. VITA should be the same way. You should be able to verify this with the group you are thinking of joining.
by RudyS
Sat Sep 14, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medical expense deduction documentation
Replies: 16
Views: 1254

Re: Medical expense deduction documentation

I imagine those affected mostly know this, but anyone in a continuing care retirement community (CCRC) with a lifecare contract, can deduct a portion of the entrance fee and monthly fees. The portion of those fees that are considered a prepaid medical expense by the IRS (see Pub 502) should be provi...
by RudyS
Wed Sep 11, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: When do you start gifting the max to your family members? When is enough NW totally enough?
Replies: 80
Views: 9689

Re: When do you start gifting the max to your family members? When is enough NW totally enough?

Taylor, that’s true, but some States have much lower exemptions. Massachusetts, for example, starts cliff taxing at $1M, and the tax quickly rises to 16%. Unfortunately we just moved to Massachusetts and are faced with this. We had been all set to essentially ignore estate/gift taxation, but now it...