Search found 1254 matches

by RudyS
Fri Sep 21, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 129
Views: 6848

Re: Physical Banking - Any benefits anymore?

Medallion Guarantee, safe deposit box. My local B&M bank has had my account for over 50 years now. Where does one get a Medallion signature? Everywhere I tried they declined. There was a thread not too long ago. You can use the search function and search for medallion guarantee. I did this for you:...
by RudyS
Thu Sep 20, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1273

Re: Painting kitchen cabinet

Slight divergence - I am wanting to paint just the shelves inside the cabinets, because they are maked up by cans, pots, etc, over many years. The oiutside is Formica after a refacing job and is OK. My concern is what paint to use to make sure that once I put stuff back in, it doesn't stick/damage t...
by RudyS
Thu Sep 20, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6458

Re: Don't trust Tripadvisor reviews

FWIW, I use Tripadvisor a lot, and have never had a disappointing experience based on the reviews I read. Sure, some reviews are misleading, but I read a whole bunch for each place. Sometimes the benefit is learning there is no free breakfast, or it's a two story place with no elevator, or the best ...
by RudyS
Wed Sep 19, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 129
Views: 6848

Re: Physical Banking - Any benefits anymore?

Medallion Guarantee, safe deposit box. My local B&M bank has had my account for over 50 years now.
by RudyS
Tue Sep 18, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5118

Re: State Farm nickel-and-diming me

Might consider just paying it, as you seem inclined to do, and if it makes you feel better, complain to the State insurance commissioner.
by RudyS
Tue Sep 18, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: When did you decide to move from your home to senior living?
Replies: 15
Views: 2870

Re: When did you decide to move from your home to senior living?

DW and I are not quite ready to consider this age-wise but we are getting there... I believe the "elephant in the room" is the issue of what happens if our health deteriorates. Obviously a CCRC is preferable; who wants to hunt down another facility as they become more dependent? The big issue, of c...
by RudyS
Tue Sep 18, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: rmd for IRAs at multiple institutions
Replies: 18
Views: 1192

Re: rmd for IRAs at multiple institutions

I don't actually calculate my RMDs. Fidelity, and Vanguard, tell me each year what the RMD for my account with each will be. All I do is make the withdrawals. My choice whether to taker it all from one, or part from each, so long as the total is right. It is worthwhile to calculate your RMDs to ver...
by RudyS
Mon Sep 17, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: rmd for IRAs at multiple institutions
Replies: 18
Views: 1192

Re: rmd for IRAs at multiple institutions

I don't actually calculate my RMDs. Fidelity, and Vanguard, tell me each year what the RMD for my account with each will be. All I do is make the withdrawals. My choice whether to taker it all from one, or part from each, so long as the total is right.
by RudyS
Sun Sep 16, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: PSA: Cross country relocation expenses
Replies: 13
Views: 1244

Re: PSA: Cross country relocation expenses

So we just completed our first cross country move (CA to TX.) I had an estimate of moving expenses before we started but we ended up paying much, much more. .....details clipped... Congratulations! I'm going through this now, with just 24 hours until lift off. This move represents a great achieveme...
by RudyS
Sun Sep 16, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Taxes Paid on Savings Account
Replies: 9
Views: 1290

Re: Taxes Paid on Savings Account

Subject to all except FICA. Gill Gill, I can't believe that I have found something in your post that might not be correct. City income tax may or may not include investment income, depending on local laws. As an example, for Saginaw, MI, such interest is not taxed: "Another major difference between...
by RudyS
Sat Sep 15, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1777

Re: Planning to Contact Vanguard

OP may be gone, but I am wondering what Fidelity or Schwab would have given him for an answer? I think I've seen numerous Fidelity TV ads offering advice (remember that green path?). Do you have to give them the money to hold first?
by RudyS
Fri Sep 14, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Going to the Everglade. A few questions please.
Replies: 21
Views: 1162

Re: Going to the Everglade. A few questions please.

Hertz, National, and maybe others have a plan called toll by plate. For $3.95 a day for those days that you use tolls, the tolls are charged to the car via the license plate. Depending on the number of days you plan to encounter toll roads, this is a convenient, if not absolutely cheapest, way to de...
by RudyS
Thu Sep 13, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 50
Views: 5212

Re: Vanguard platform

So advice to Vanguard: Delay the old platform 1099s until after the brokerage 1099s are sent out and received. And allow Transfer on Death for jointt accounts on the new platform. Maybe I've been blissfully ignorant. What does this mean for my surviving spouse with whom I hold my VG taxable brokera...
by RudyS
Thu Sep 13, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Going to the Everglade. A few questions please.
Replies: 21
Views: 1162

Re: Going to the Everglade. A few questions please.

There is lodging in Everglades City. Ivey House and Everglades City Motel. See Tripadvisor.com. Both are nice. Also some restuarants in that area. Close to a NPS visitor center with boat rides.
by RudyS
Thu Sep 13, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes Paid on Savings Account
Replies: 9
Views: 1290

Re: Taxes Paid on Savings Account

Subject to all except FICA. Gill Gill, I can't believe that I have found something in your post that might not be correct. City income tax may or may not include investment income, depending on local laws. As an example, for Saginaw, MI, such interest is not taxed: "Another major difference between...
by RudyS
Thu Sep 13, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Vacation to San Francisco, Yosemite, Sequoia
Replies: 32
Views: 1387

Re: Vacation to San Francisco, Yosemite, Sequoia

Yosemite is a must. Late May early June the crowds will not have peaked, but it will be crowded. Nevertheless, worth it! If you will do some hiking, at least 3 days and better 4 in the park. If at all possible stay in the park to avoid lots of driving just to get where you are going. The redwoods th...
by RudyS
Wed Sep 12, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Utility usage way up
Replies: 45
Views: 2595

Re: Utility usage way up

Any thoughts? Is the outside avg temp change of only 3* enough to cause 50% increase in usage? This happened to us: I live thousands of miles from a deceased relative's unoccupied condo. Helpful neighbor turned on the heater at the thermostat but switched the blower from "Auto" to "On." The temp wa...
by RudyS
Wed Sep 12, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: Utility usage way up
Replies: 45
Views: 2595

Re: Utility usage way up

Any change in use of a dehumidifier? Those draw a fair amount of electricity.
by RudyS
Sun Sep 09, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Outdoor carpet recommendations
Replies: 5
Views: 310

Re: Outdoor carpet recommendations

I've got some on my porch, which gets some sun. Bought it about 20 years ago (before HD & Lowes?) from a carpet store. Still in great condition. Might try that as a source. Sorry no idea of brand.
by RudyS
Sun Sep 09, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 9691

Re: What will you do when you find you have more money than expected?

drawpoker wrote:
Mon Sep 03, 2018 10:39 pm
(2)

Because health/health care costs/ is a crap shoot, what seems like a lot of :moneybag could suddenly shrink considerably.
same for me.
by RudyS
Thu Sep 06, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8116

Re: Scaring the Old Folks

I've had 6 restaurant-prepared meals just this week for $22. You must eat like a mouse, livesoft! :P Many Chinese restaurants here have a main course dish for maybe $12. but it's so much food half can come home. If it's a lunch, I can figure 3 meals. So, that's close. If the whole thing is takeout,...
by RudyS
Thu Sep 06, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Sell our new home to downsize
Replies: 37
Views: 3421

Re: Sell our new home to downsize

Sounds reasonable, unless in ten years you have 3 kids and you decide you need more space, better schools, and are then paying the transaction costs to go buy home #3 at a price more than you paid for this house. Are you confident you'd be able to stay in the replacement home (#2) until the kids ar...
by RudyS
Thu Sep 06, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2587

Re: How do you handle Healthcare costs in retirement

By all means go with the Medigap coverage (#1). The 20% copay on traditional Medicare can be a huge amount if you have bad luck. You can get an idea of cost on medicare.gov which has a way to search for a policy at your location. DW and I pay about $400/mo for both of us, for Plan F and Plan N.
by RudyS
Thu Sep 06, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Yellowstone and Grand Teton must see and do
Replies: 22
Views: 1771

Re: Yellowstone and Grand Teton must see and do

Moderators will probably take care of this, but you would likely get more replies by posting in the Personal Consumer Issues thread.
by RudyS
Wed Sep 05, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: How to tell which vent is dryer vent?
Replies: 40
Views: 1662

Re: How to tell which vent is dryer vent?

Just coming here to say that this is a potential fire hazard. If you vent line is clogged (as you don't notice lint/air flowing), you should try to determine which line is connected to the dryer and clean it ASAP. If you disconnect the dryer from the vent, run the dryer, and you get air flow, it's ...
by RudyS
Tue Sep 04, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1546

Re: Types of seed for new lawn or sod?

If you are planting on bare dirt that you have hauled in, you are probably fine to use one of the blends of fescue, bluegrass and rye. A local garden store could likely give you some good recommendations. Make sure the soil is a bit roughed up, broadcast the seed over the planting area and add a st...
by RudyS
Mon Sep 03, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 70
Views: 8998

Re: Pre nups.

So if Joe is retired, has some sort of retirement plan(IRA/401k) and remarries to Linda, she would get nothing out of the retirement accounts in the event of Joes death? Linda is not the beneficiary of the retirement account. The beneficiary of record gets the money. That's why it is essential to k...
by RudyS
Mon Sep 03, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for an 87-year-old?
Replies: 36
Views: 2128

Re: Advice for an 87-year-old?

At least a money market fund or high yield savings. Maybe CD's. This is probably not the time to try to teach him about anything more complex, assuming he even wants that. Even if he didn't ask you, al least mention that MMFs can get him a few thousand more a year. But if he won't even spend it, why...
by RudyS
Mon Sep 03, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: Placing a stop-loss order with vanguard
Replies: 29
Views: 2371

Re: Placing a stop-loss order with vanguard

3. The fee from vanguard is $7.00 for this transaction in addition to the $7.00 fee to buy a stock/eft? No. That is the total commission. No extra charge for stop loss. I must be looking at this incorrectly. I would first need to place a "buy order" for the stock (which is $7.00). Then, from my und...
by RudyS
Sun Sep 02, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Tax confusion: Head of household vs claiming GF as tax dependent
Replies: 10
Views: 1103

Re: Tax confusion: Head of household vs claiming GF as tax dependent

We in this forum are always happy to help, but there is a DIY solution too. These types of questions can be answered by referring to IRS Publication 17 (irs.gov) which has details to determine status. This publication is a great go-to source for most questions. It will refer you to more detailed oth...
by RudyS
Sat Sep 01, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Car Painting
Replies: 22
Views: 1437

Re: Car Painting

tim1999 wrote:
Sat Sep 01, 2018 6:10 pm
Repainting the car will probably actually devalue it rather than increase the value, as any dealer/wholesaler will assume the worst in terms of past damage history.
+1
by RudyS
Sat Sep 01, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Don't Look and Have A Doctor Waiting When You DO
Replies: 35
Views: 5705

Re: Don't Look and Have A Doctor Waiting When You DO

OK, and advisable, to look regularly. But then, "Don't just do something, stand there!"
by RudyS
Fri Aug 31, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: QCDs from RMD - 1099R [Qualified Charitable Distributions]
Replies: 44
Views: 1744

Re: QCDs from RMD - 1099R [Qualified Charitable Distributions]

This comes up every few months. Fidelity specifically states that the check writing method is OK. Vanguard doesn't say but "allows" it. My opinion: when you write a check on a fund in an IRA,with the charity as the payee, you are actually issuing an order to the fund to make the payment as directed ...
by RudyS
Fri Aug 31, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Looking for a good Moving Company. All have awful reviews.
Replies: 21
Views: 966

Re: Looking for a good Moving Company. All have awful reviews.

There's one "review" site, I forgot which, thatshows all bad reviews for any company you ask about. But there is a link on the site to go to their recommended companies. For which I think they get paid. Seems questionable.
by RudyS
Thu Aug 30, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: How do you store financial account information with your estate plan?
Replies: 51
Views: 3212

Re: How do you store financial account information with your estate plan?

Note that safe deposit boxes are not sealed after death in every state. In some states, a joint lessee still has access to the box after the death. It's important to research your own state's law. My state allows early access to the safe deposit box. In reality, very little passes under the will so...
by RudyS
Thu Aug 30, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8326

Re: Mega Downsize....

1. Buy new place (smaller) 2. Move (taking only items you want/need) 3. Estate sale and sell house 4. Deposit check from house sale into portfolio That's pretty much what we are up against now. Nice and succinct summary. But probably should be 6 steps. Divide #2 into sort, and move. Divide #3 into ...
by RudyS
Tue Aug 28, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: CP2000 Response Help
Replies: 5
Views: 505

Re: CP2000 Response Help

Agree with just sending in the explanation. I have had 4 CP2000 instances in the last 5 years or so and all were resolved in my favor once IRS received my responses. Two were cases where IRS just somehow missed something I actually reported, another where they did not use the qualified dividend and ...
by RudyS
Mon Aug 27, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Series EE Bonds: Extended Maturity Period Rates
Replies: 5
Views: 864

Re: Series EE Bonds: Extended Maturity Period Rates

Can someone direct me to a simple table showing the rates for extended maturity periods for EE bonds, 1988 through the mid 90s? Got about $15K in face value in my daughter's name and want to get rid of them (I mean bestow them on her). Just wondering which, if any, are worth keeping after their mat...
by RudyS
Mon Aug 27, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: IRS Address Issues
Replies: 1
Views: 289

Re: IRS Address Issues

IRS has thought about this; just let them know of your new address:

https://www.irs.gov/taxtopics/tc157

Won't necessarily work for a mobile life style, but you can provide a "care/of" address if there's someone you can rely on to receive such mail.
by RudyS
Mon Aug 27, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 18
Views: 1874

Re: finding the error in my federal tax return

Rudy.....when you got THEIR number, did you just use the Tax Table or perhaps the Tax Rate Schedule to calculate the tax? If so , that would suggest all income was treated as ordinary income. This was a few years ago. Hard to remember. But, as I think about it, by not using the QDCG worksheet, all ...
by RudyS
Mon Aug 27, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 18
Views: 1874

Re: finding the error in my federal tax return

That situation might be the same as what I had happen a few years ago. Did you have any capital gains OTHER THAN the qualified dividends or CG distribvutions? There is worksheet that gets filed instead of the usual Schedule D calculation. ...................................... Rudy.........can you ...
by RudyS
Mon Aug 27, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 18
Views: 1874

Re: finding the error in my federal tax return

That situation might be the same as what I had happen a few years ago. Did you have any capital gains OTHER THAN the qualified dividends or CG distribvutions? There is worksheet that gets filed instead of the usual Schedule D calculation. ...................................... Rudy.........can you ...
by RudyS
Mon Aug 27, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 18
Views: 1874

Re: finding the error in my federal tax return

That situation might be the same as what I had happen a few years ago. Did you have any capital gains OTHER THAN the qualified dividends or CG distribvutions? There is worksheet that gets filed instead of the usual Schedule D calculation. IRS did not use the worksheet (TurbotaxDID) so they asked me ...
by RudyS
Sun Aug 26, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Colorado Vacation
Replies: 17
Views: 1765

Re: Colorado Vacation

About hot springs: Pagosa Springs have a sulfur content, Ouray and Glenwood Springs do not.
by RudyS
Sun Aug 26, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Helping aging parents (in another state) with housing and care?
Replies: 11
Views: 1279

Re: Helping aging parents (in another state) with housing and care?

Ref the previous two posts, I started getting rid of my unnecessary stuff when I heard about my sister-in-law and her sister using three dumpsters to clean out their late Mom's house. I have made 5 or 6 passes through my stuff and have more to do. I suggest this to every older person, even if they ...
by RudyS
Sun Aug 26, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: using I-Pass (or E-ZPass) in Orlando area
Replies: 11
Views: 842

Re: using I-Pass in Orlando area

Unfortunately, that was from the 2011 meeting, and it never happened. :oops: I guess we'll just avoid the non-CFX tolls or pay cash, then. We pass through the Orlando airport every year or two. Even with navigation, it is tricky to avoid toll roads around the airport. I remember pulling to the side...
by RudyS
Sat Aug 25, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Honduran Mahogany Door
Replies: 8
Views: 1017

Re: Honduran Mahogany Door

Thx for the replies, will look for a local woodworker. Yeah, I have seen the prices, but its offset by wife having some home country as part of the house. Yearly refinish, oh boy,,,,that I was not aware of. But, may be the only part of the exterior that has maintenance. I have been using low mainte...
by RudyS
Sat Aug 25, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5096

Re: Do you go for annual Medicare preventive tests and screening?

cheese_breath wrote:
Fri Aug 24, 2018 7:49 pm
All I know is I get a flu shot almost every season, and I've never worried about the date. So far I haven't had to pay for any.
DW and me too. 17 years on medicare for me; never any issue.
by RudyS
Fri Aug 24, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Circuit breaker stays tripped
Replies: 29
Views: 2732

Re: Circuit breaker stays tripped

I had the same thing happen at our house. An electrician spent a couple of hours researching every outlet. The culprit was an outdoor porch light that had a short in it. Money well spent to have lights stay on again and no more tripped breaker. Very surprised you had a light and outlets on the same...
by RudyS
Fri Aug 24, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Trip to the Steens Mountains in Oregon
Replies: 13
Views: 1221

Re: Trip to the Steens Mountains in Oregon

Thanks, Westcoast, for the trip report. Glad you had a good time. About the problem with the safety lights on the dash - I had a similar situation on my Outback. Started it up on my way to the airport (!) and get check engine light, warning, and the Eyesight system was turned off too. Drove on anyho...