Search found 1326 matches

by RudyS
Wed Nov 14, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Does it ever make sense to pay more tax intentionally?
Replies: 5
Views: 242

Re: Does it ever make sense to pay more tax intentionally?

I have seen a scenario where taking less mileage deduction created more schedule C income resulting in somewhat larger Earned Income Credit. Depends on lots of variables though including number of kids, etc.
by RudyS
Tue Nov 13, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Fuel system cleaning for old SUV $269!!
Replies: 17
Views: 1159

Re: Fuel system cleaning for old SUV $269!!

Kenkat wrote:
Mon Nov 12, 2018 8:00 pm
Is it running poorly? If no, leave it alone. If yes, I’d try a $5 bottle of Chevron Techron Fuel System Cleaner first.
In days gone by, I used Gumout for my carburetor. But yes, if there is indeed a problem like rough running, try a "can" first.
by RudyS
Mon Nov 12, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Stock market open today?
Replies: 13
Views: 1940

Re: Stock market open today?

Years ago when the nation switched many holidays to Monday (Washington's Birthday, Lincoln's Birthday - those now combined to Presidents Day, and I think maybe another), there was a big complaint by veterans who did not want to change Veteran's Day from Nov. 11th. (That used to be Armistice Day). So...
by RudyS
Mon Nov 12, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1123

Re: Prepaying for Rental Car - Availability Guaranteed?

I only ever prepaid once, because I was certain we were going, and there was an attractive discount.
by RudyS
Sun Nov 11, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Massachusetts Estate Tax
Replies: 8
Views: 1085

Re: Massachusetts Estate Tax

We plan to move to Massachusetts next year. This will be helpful in figuring out what we need to do to minimize eventual estate tax. I had thought we'd need some form of trust(s) but from what I see above there is no longer any need to do this. Is that right? We will of course see a lawyer to make s...
by RudyS
Sat Nov 10, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 37
Views: 3706

Re: TurboTax on TaxMarkDown.com

I think it is a good idea to be careful when buying tax software from an unauthorized vendor. Considering all the sensitive data you put in the software and there is a lot of uncertainty as to where all the personal data may end up. Caveat emptor! And what else may end up on your computer. Those ri...
by RudyS
Thu Nov 08, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Lowest Cost GPS-Capable Device for Senior Citizen
Replies: 18
Views: 995

Re: Lowest Cost GPS-Capable Device for Senior Citizen

It's not really relevant that she's a senior citizen. Whatever she comes up with would be of value to anyone on such a restricted budget. Seems she's capable enough if she's driving. I guess I'm a bit sensitive since I'm over 80! For $55 a month I get unlimited talk, text, and 2 GB data on my Verizo...
by RudyS
Thu Nov 08, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 867

Re: HIPAA Information available to out of town ER or not?

Thanks all. I fixed the title as instructed. We did sign the forms, but were just wondering about how necessary this was. Looks like it is.
by RudyS
Thu Nov 08, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3534

Re: Paper or Paperless? How and what financial records do you keep?

I keep hard-copy of the actual returns only, no supporting info, older than 7 years. This is about 4 inches of file folders going back to my first summer job in 1954. I also made a concerted effort to clean out files and souvenirs, etc., so as not to burden the kids. Years ago I identified a box or ...
by RudyS
Thu Nov 08, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 867

HIPAA Information available to out of town ER or not?

My physician's office recently asked me to sign a HIPAA release authorizing them to release my medical information to other providers. The explanation for the request was that if I were out of town, and found myself in a facility such as an ER, that the staff could call my physician for any informat...
by RudyS
Wed Nov 07, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3534

Re: Paper or Paperless? How and what financial records do you keep?

We're all hosed if .pdf format becomes obsolete. I'm kind of joking and kind of not. Something I do think about. VHS anybody? There will be converters around for a long time for stuff like doc, pdf, xls. As for VHS, I recently had tapes of my kids' weddings converted to DVD. Some 35mm slides from t...
by RudyS
Wed Nov 07, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Need help! 3 HVAC intstallation quotes
Replies: 21
Views: 1198

Re: Need help! 3 HVAC intstallation quotes

Having a (fairly) efficient new furnace from a reputable brand will likely help sell the house. Don't be tempted to go cheap by a few hundred. Assuming of course replacement is needed. How old is the furnace? Another factor for buyers to consider.
by RudyS
Wed Nov 07, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14485

Re: How much money are you leaving your kids after you die?

Assuming we haven't needed to spend it, especially for health and long term care, we have willed our 2 sons half each of our Roth IRAs (tax free for them) and half each of our I Bonds (about $200K at present). We have willed our traditional IRAs and our house to charities. Anything else of value wi...
by RudyS
Tue Nov 06, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14485

Re: How much money are you leaving your kids after you die?

They'll get what we don't manage to spend. Our lifestyle probably won't change much, although a little spending creep if the markets are kind to us wouldn't be a bad thing. Our biggest gift to them will be our ability to support ourselves with no need for them to budget for our care. Our second gre...
by RudyS
Tue Nov 06, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14485

Re: How much money are you leaving your kids after you die?

Assuming we haven't needed to spend it, especially for health and long term care, we have willed our 2 sons half each of our Roth IRAs (tax free for them) and half each of our I Bonds (about $200K at present). We have willed our traditional IRAs and our house to charities. Anything else of value wi...
by RudyS
Tue Nov 06, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Furnace Duct Cleaning-a high profit game?
Replies: 31
Views: 3336

Re: Furnace Duct Cleaning-a high profit game?

I know someone who bought a house belonging to a heavy smoker, and cleaning the ducts did make a big (positive) difference with the smell. This is one of the exceptional cases where the cleaning was worth doing. We have lived in our house for 40 years, never had the ducts cleaned. Furnace replaced ...
by RudyS
Tue Nov 06, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3534

Re: Paper or Paperless? How and what financial records do you keep?

At age 82, I believe .doc and .pdf formats (as well as quite a few others) will be around at least as long as I am, and when they finally do get obsolete, there will be converters.
by RudyS
Tue Nov 06, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Appealing Insurance Dental Claim Decision
Replies: 10
Views: 827

Re: Appealing Insurance Dental Claim Decision

The insurance company has a contract with the employer. Employer told the employees what benefit (the insurance) they have. " Her benefits packet at her new employer stated that out of network preventative was covered at 100%. " Employee relied on the employer's statement. I would go to employer's H...
by RudyS
Mon Nov 05, 2018 10:26 pm
Forum: Investing - Theory, News & General
Topic: Missing October Statement [Vanguard]
Replies: 12
Views: 1535

Re: Missing October Statement

My Roth IRA statement only posts quarterly - 3/31, 6/30, 9/31. No October. 12/31 will be next. My tIRA and regular account both post monthly.
by RudyS
Sun Nov 04, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!
Replies: 49
Views: 3431

Re: Dentist replaced crown a few months back and now I'm told the tooth needs to be pulled!

Several have mentioned that it takes time to get used to a crown. I've got 3, DW has 2, and all of them were comfortable from day 1. Maybe one needed to be filed down a bit more, but that was that. Wondering what there is going on that would require getting used to.
by RudyS
Sun Nov 04, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: selling overseas on ebay
Replies: 8
Views: 659

Re: selling overseas on ebay

One more vote for the global shipping service. One caveat though - certain things like precious metals, coins, etc., may have customs restrictions and should not be offered that way.
by RudyS
Wed Oct 31, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership
Replies: 28
Views: 1693

Re: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership

In May I was car shopping and decided to look at a Subaru Outback. The dealer's website offered a $50 VISA gift car for a test drive, and since I was going there anyway I signed up. I gave the paperwork to the salesman and followed up twice with the dealer. but I never received that gift car. While...
by RudyS
Sun Oct 28, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Getting depressed with all this saving. :-(
Replies: 38
Views: 6376

Re: Getting depressed with all this saving. :-(

bhsince87 wrote:
Sun Oct 28, 2018 8:38 pm
$100k hi-fi?

I'm not exactly feeling your pain here...100
He didn't say $100K, just 100K. I think that was a metaphor, like giving a dog's age in human years, i.e., old! ---- or were you kidding too? :wink: :wink:
by RudyS
Thu Oct 25, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: "Donating" unused family burial "spots"
Replies: 21
Views: 1738

Re: "Donating" unused family burial "spots"

I looked at broker-type outfits as part of advance planning via google. Some links:

http://www.gravesolutions.com

http://www.finalarrangementsnetwork.com

No idea if this would help, but thought I'd share it since I had it.
by RudyS
Thu Oct 25, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 88
Views: 12330

Re: For those waiting for a 'correction' ...

I am a person who has always struggled with the definition and the use of the word "correction." I believe it is a percentage off the recent high. Maybe I am the only Boglehead that feels this way, but that appears to be an strange method to define something labeled "correction." So, no I am not do...
by RudyS
Wed Oct 24, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Dental Mishap
Replies: 46
Views: 4813

Re: Dental Mishap

If the wrong teeth were removed then you should talk to a lawyer, and I am not someone who would often suggest that. A big problem is that you kid could still be dealing with dental problems because of that 60 years from now. There is no way that I would let my dentist touch the kid again if they r...
by RudyS
Wed Oct 24, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Block fireplace draft
Replies: 19
Views: 1228

Re: Block fireplace draft

Foam or Celotex is good. Cut a rectangle to fit the fireplace opening. Paint it flat black. I have a set of glass fireplace doors in metal frame, and put this behind that. Invisible! If you don't have doors to hide it behind, then any nice decoration will work.
by RudyS
Tue Oct 23, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - any advice?
Replies: 51
Views: 5484

Re: Empty nester downsizing - any advice?

Long time since the nest emptied out, but a very similar situation for DW and me. We're planning to move to a CCRC apartment in under a year. Downsizing from a 4 BR house to a 2 BR apt half the size. We will have to replace most of the furniture with stuff more appropriately sized. Thinking of a "li...
by RudyS
Mon Oct 22, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2679

Re: Do I need laptop software?

I use OpenOffice for documents, spread sheets, and it works fine with the "standard" Microsoft document files.
by RudyS
Sun Oct 21, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: 2 rental car reservations?
Replies: 23
Views: 1386

Re: 2 rental car reservations?

I use https://www.autoslash.com/ . They change reservations automatically depending on the better deal at the time of the car pickup. They also make/change/delete reservations across multiple suppliers depending on the best rate (I doubt if they feel guilty :D ). - Ron I use autoslash, and don't se...
by RudyS
Sun Oct 21, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 3016

Re: Selling to CarMax if maintenance lights on?

Is it feasible to ask CarMax which would be better (for you): sell as is, or do the B12 maintenance and get the light reset? You'd have to know what you will have to pay for the maintenance.
by RudyS
Sat Oct 20, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Travelers Checks
Replies: 36
Views: 2319

Re: Travelers Checks

The last time we moved, the movers wanted cash, OR TRAVELERS CHEQUES on delivery. Wonder if that's still true or if they would now take a credit card. Guess I better verify with the moving company next time because it's likely company-specific.
by RudyS
Sat Oct 20, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6029

Re: Pull kids from school for vacations?

Doom&Gloom wrote:
Sat Oct 20, 2018 1:29 pm
We never did. Always thought it set a very poor example. No regrets.
same for us.
by RudyS
Sat Oct 20, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: 1099 and W2 from the same employer
Replies: 11
Views: 1076

Re: 1099 and W2 from the same employer

This quibble over definitions is a waste of time. Google says: com·pa·ny /ˈkəmp(ə)nē/Submit noun 1. a commercial business. "a shipping company" synonyms: firm, business, corporation, establishment, agency, office, bureau, institution, organization, concern, enterprise; conglomerate, consortium, synd...
by RudyS
Thu Oct 18, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Can you include this in a will?
Replies: 23
Views: 3569

Re: Can you include this in a will?

Here is a 17 page explanation from the Pennsylvania Law Review: https://scholarship.law.upenn.edu/cgi/viewcontent.cgi?referer=https://www.google.com/&httpsredir=1&article=8576&context=penn_law_review Here's the summary: To sum up the case, the authorities are in confusion or hopeless conflict. Even ...
by RudyS
Thu Oct 18, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: secure land for donation for county park
Replies: 17
Views: 1582

Re: secure land for donation for county park

In my state, there was a recent large state gamelands/protected area announced. I am interested in purchasing land in the neighborhood of $250,000 but for the right piece of property would go higher. I would not want the land developed so I sent an email off to the Nature Conservancy asking if they...
by RudyS
Thu Oct 18, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Budget for post-65 health/dental/vision/hearing
Replies: 10
Views: 981

Re: Budget for post-65 health/dental/vision/hearing

We are a retired couple, ages 84 and 77 at the end of 2017. I can give you our costs. Our out of pocket medical expenses for the last 8 years are listed in each category are: (First amount shown is for 2010, followed by 2011, 2012, 2013, 2014, 2015, 2016, 2017} Medical insurance premiums [Medicare ...
by RudyS
Thu Oct 18, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 50
Views: 4079

Re: Approach to rescinding a job acceptance

I have known several occasions when employers have recinded job offers after the individual gave their notice. One time a good colleague of mine had a job offer recinded the Friday before the week he was due to start. Lucky for him, he was valuable and the company we were at still gave him the coun...
by RudyS
Wed Oct 17, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 5974

Re: Best way to complain about Hertz bait-and-switch?

"Walk away to a competitor" isn't always a good option. Ever show up in Orlando on a summer weekend? See the lines? And what would you pay? But if you CAN make it work, it becomes a viable option. BTW, having those memberships lets you avoid those lines.
by RudyS
Wed Oct 17, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 5974

Re: Best way to complain about Hertz bait-and-switch?

I have had good luck with National as an Emerald Club member (free). Reserve an intermediate, go to the emerald aisle and select any car there. They DO salt the aisle with a few higher class cars. Once I actually had to get an SUV due to insufficient trunk room in the sedan I had reserved. Of course...
by RudyS
Sun Oct 14, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: invest in sears bond maturing next week 10/15 , trading at 58c on the $
Replies: 18
Views: 2637

Re: invest in sears bond maturing next week 10/15 , trading at 58c on the $

CNN says they will file for bankruptcy Monday morning. I would think (IMHO) that there will be some small recovery for bondholders. No idea how much. A real gamble. But as they say on Shark Tank, I'm out.
by RudyS
Sun Oct 14, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: House co-owners, separate wills with nolo willmaker
Replies: 3
Views: 298

Re: House co-owners, separate wills with nolo willmaker

Does Willmaker tell you what to do about the possibility of simultaneous death? I believe (not sure) some jurisdictions provide that one of the pair is presumed to live longer. There used to be a chauvinistic argument. Some wills make a provision for deaths within 30 days to circumvent that issue.
by RudyS
Sun Oct 14, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: secure land for donation for county park
Replies: 17
Views: 1582

Re: secure land for donation for county park

Not knowledgeable about details, but could you buy it (at right price) and then make a deal the Nature Conservancy (or a local arm thereof) for an easement to make it available to public use "forever"? I suspect (don't know) that this might be a more secure way to accomplish your desire than a count...
by RudyS
Sun Oct 14, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1386

Re: Drop in MPG (09 Civic)

I've been driving since the late 50's. In the early years, one of my favorite remedies for issues that appear related to engine performance has been a can of GumOut. Usually worked well. Other brands would be good too. I would for sure try that first. But for the last few decades, the incidence of s...
by RudyS
Sun Oct 14, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Non-profit: SMS/text based survey tool experience
Replies: 3
Views: 304

Re: Non-profit: SMS/text based survey tool experience

Some people still have plans that charge for texts. Will this be a concern? How about using Survey Monkey by email?
by RudyS
Sun Oct 14, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: 1950s home. Replace drywall and insulation or repair it
Replies: 19
Views: 1736

Re: 1950s home. Replace drywall and insulation or repair it

I would bet that there is a calculator out there (maybe power company can provide a lead) that permits calculation of the savings of one type of wall insulation over another if you have the square footage of the wall in question. update: this looks like what you want: http://www.cellulose.org/HomeOw...
by RudyS
Sun Oct 14, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3680

Re: Not convinced with insurance

I suggest you do more shopping for policies. Might be able to get better prices on the non-car owner policy and umbrella. Possibly if car and homeowners are from same company. I believe umbrella is good coverage to have.
by RudyS
Sun Oct 14, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5285

Re: Need new email address. Gmail or ???

THANKS for your detailed and thoughtful comments, and thanks to everyone who replied. Looks like I'll go with gmail after all.
by RudyS
Sat Oct 13, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5285

Need new email address. Gmail or ???

Planning to move to a location where my current ISP (Charter) is not available. Thinking of getting a gmail account. But just saw a post by linenfort on another thread about their gmail not always getting received. Do others have that experience? So, is gmail good to use? Many of my friends have it....
by RudyS
Sat Oct 13, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Suit for Teenager
Replies: 18
Views: 1232

Re: Suit for Teenager

Penney's is an ok choice. But I like the thrift shop idea. After all, where is the suit he's buying now going to go when he outgrows it?