Search found 1159 matches

by RudyS
Sun Jul 15, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my Colorado trip due to wildfires??
Replies: 17
Views: 1382

Re: Should I cancel my Colorado trip due to wildfires??

UPDATE: DW and I just got back from 11 beautiful days. Only impact was to take a detour from Colorado Springs to Alamosa. We enjoyed the Cumbres & Toltec train, the "Million Dollar Highway, Rocky Mountain, NP and points in between. Thanks to all for your encouraging and helpful inputs.
by RudyS
Mon Jul 02, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: How does this ebay scam work?
Replies: 13
Views: 2226

Re: How does this ebay scam work?

Experienced eBay seller here. Most likely not a scam. A mistake. Ebay is not friendly to sellers. If a buyer does not like an item for ANY reason, eBay will force seller to take back the item, refund money and pay for shipping in both directions, the cost of which can be considerable. As a seller, ...
by RudyS
Sun Jul 01, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my Colorado trip due to wildfires??
Replies: 17
Views: 1382

Re: Should I cancel my Colorado trip due to wildfires??

Thanks again. MANY helpful comments, thoughts, and links. Decision is made, we are going, with flexibility in mind. If conditions permit, we'll probably follow our original plan. I'll update once we are back to let you all know how it worked out!
by RudyS
Sun Jul 01, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: ? - Keep emergency credit cards for adult children - Good idea or bad?
Replies: 18
Views: 1624

Re: ? - Keep emergency credit cards for adult children - Good idea or bad?

I read the original post to say that these are "authorized users" on a parent's account. These "tradelines" do show up on credit reports. Look at recent reports (you should do this annually anyhow) and see what's actually on there. It might be best to keep them, with the kids' knowledge, due to poss...
by RudyS
Sun Jul 01, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Rented car, got rear ended - hit and run
Replies: 20
Views: 2178

Re: Rented car, got rear ended - hit and run

If it looks like you'll be filing a claim with the CC company, I'd report it to them right away. They may want to interact with the rental company.
by RudyS
Sun Jul 01, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Should I cancel my Colorado trip due to wildfires??
Replies: 17
Views: 1382

Re: Should I cancel my Colorado trip due to wildfires??

Thanks everyone for the helpful and encouraging responses (and links) so far. Looks very much that we'll be going ahead, and will plan to remain flexible. I just need to watch for the various cancellation deadlines. The train ride is from Antonito (south of Alamosa) not Durango. Unless we bypass the...
by RudyS
Sun Jul 01, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Should I cancel my Colorado trip due to wildfires??
Replies: 17
Views: 1382

Should I cancel my Colorado trip due to wildfires??

EDITED TO UPDATE: Decision is made, thanks to so many great responses. We are going, with the need for possible flexibi;lity in mind. For months I've been planning a trip to Colorado with DW. Now there are several wildfires going and I need help deciding whether to cancel. Trip is Tuesday July 3 thr...
by RudyS
Sat Jun 30, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: switching between AARP Medigap plans
Replies: 16
Views: 1653

Re: switching between AARP Medigap plans

The general case is that you will be subject to underwriting when changing. Even during open enrollent, this could happen unless you have a special situation like a policy was cancelled, etc. Also, the changes you wrote about might only be possible if switching from a more comprehensive plan to a le...
by RudyS
Thu Jun 28, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 3772

Re: Best way to clean eyeglasses?

Pajamas wrote:
Thu Jun 28, 2018 12:19 pm
Dish detergent and a microfiber cloth that is intended specifically for use with optical lenses. Avoid using paper towels or dirty cloths that might scratch because of wood or textile fibers or particles.
That works well for DW (who recommended it) and me.
by RudyS
Wed Jun 27, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 22
Views: 2565

Re: Gifting trip for inlaws

Why even consider taking them or going with them? They seem to add nothing to your own vacation or travels. White bread people. No curiosity. Bland. Hold their hands throughout and they don't even appreciate it. They are in their 70s. They say they would like to travel. How long would they wait? Qu...
by RudyS
Tue Jun 26, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: I've been swindled!
Replies: 21
Views: 5372

Re: I've been swindled!

Are you domiciled in Texas? If not, this issue crosses state lines, which may give you standing to involve Federal authorities. I wouldn't bother with a lawyer. For a $2000 recovery, the lawyer will walk away with most (all?) of it. You might try calling lawyers in Dallas and see if one will send a...
by RudyS
Sun Jun 24, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5077

Re: car for long-distance driving

It has been a few years, but we used to drive north in the winter every year - and my opinion is/was that all weather tires and front wheel drive was fine in just about everything we encountered. AWD would be better still. And snow tires would be even better. Maybe chains depending on where you are...
by RudyS
Sun Jun 24, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: South Florida for 2 days - Agenda?
Replies: 13
Views: 823

Re: South Florida for 2 days - Agenda?

e area. Pro's, con's, worth all of the driving to see the florida keys, etc. South Florida here . . . 8-) Your plan is simply not enjoyably do-able and would be no vacation. What are you trying to do - see Key West, Miami Beach and Orlando in 2 days? It will take you 2 days just to drive from Miami...
by RudyS
Sun Jun 24, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5077

Re: car for long-distance driving

dm200 wrote:
Sun Jun 24, 2018 9:36 am
It has been a few years, but we used to drive north in the winter every year - and my opinion is/was that all weather tires and front wheel drive was fine in just about everything we encountered.
AWD would be better still.
by RudyS
Sun Jun 24, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Mobile deposit of Rollover Check
Replies: 15
Views: 1122

Re: Mobile deposit of Rollover Check

I must be old. I wouldn't trust a mobile device with this. I don't even like to deposit big checks at an ATM. But, "just because you are paranoid doesn't mean they aren't out to get you!"
by RudyS
Sun Jun 24, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Car for my grand daughter
Replies: 13
Views: 981

Re: Car for my grand daughter

Is your granddaughter age 16 or age 66? Does she drive to school or to church or to canasta? Maybe she is hinting that she wants to buy one of your cars for $2,000? My daughter was in a similar situation. We spent some time looking at what was available in the used car market. Ultimately, I sold he...
by RudyS
Sun Jun 24, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Insuring a rental car as non-owner
Replies: 7
Views: 695

Re: Insuring a rental car as non-owner

You need to call the companies. That's what it says in the site you quoted.
by RudyS
Sun Jun 24, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Why tax amount determined by software lower than schedule?
Replies: 8
Views: 791

Re: Why tax amount determined by software lower than schedule?

Uniballer wrote:
Sun Jun 24, 2018 5:05 am
Do you have qualified dividends, or capital gain income? They are taxed at the lower capital gains rate.
Yes, that should be it. There is a capital gains worksheet that comes into play to make that calculation. Sort of behind the scenes.
by RudyS
Fri Jun 22, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8383

Re: how to make friends in new location?

have you thought about learning Bridge? Should find people in that age range, and bridge players are extremely interesting/successful/intelligent. It's the best mind sport in the world, and you can find local clubs wherever you go. Also, it's a sport so you can play socially or competitively depend...
by RudyS
Thu Jun 21, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5668

Re: Surprise - Costco sells - but does not install vehicle batteries

I guess I'd argue if you can't install a battery maybe you shouldn't be driving a car. If you are young and strong, this might be valid. If you are elderly, or have a bad back, lifting a 30 to 40 lb. battery in and out of a car might not be possible. Right on, sport! But elderly doesn't necessarily...
by RudyS
Thu Jun 21, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 20605

Re: Can you retire on $2M?

We need much more info. Pension - how stable? Social Security? That $160K will be taxable. Where do you live? HCOA or LCOA? Annual expenses? It does seem that you could make this work, but "it depends."

And as tibbitts said, that 8% is much more than many of us think possible/probable.
by RudyS
Wed Jun 20, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 22
Views: 2565

Re: Gifting trip for inlaws

I don't know about travel distances and budget, but my ideal trip (and we did this for my parents) is Yosemite! I did the driving, and made the arrangements. Just 4 days because it was tied into a family event, but they loved it! And I am always ready to go to Yosemite again. 8 times so far.
by RudyS
Wed Jun 20, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: dryer vent cleaning--your thoughts?
Replies: 44
Views: 6596

Re: dryer vent cleaning--your thoughts?

Dryer vent cleaning is trivial ... about like flushing a toilet. One can buy kits for under $40, but I have just stuck a ShopVac hose in. Dryers have screens that you clean with each use, so the vent should not have much in it unless you are mis-using the screen. http://www.sears.com/shc/s/search_1...
by RudyS
Tue Jun 19, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Trip to the Steens Mountains in Oregon
Replies: 9
Views: 857

Re: Trip to the Steens Mountains in Oregon

Thank you for the suggestions, we very much looking forward to the trip. Probably stay in Burns and take the trip around to Fields and up to Frenchglen. The Travel Oregon site was a great help, thanks. Amazing what Google can come up with. I love Oregon, but wasn't familiar with Steen Mountain till...
by RudyS
Tue Jun 19, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8415

Re: gray hair

"Gray Fox" I've been called :) so no, I can't change. We moved into a family neighborhood 20 years ago - got to know all our neighbors and very few left. I asked my wife why all the men seem to be going gray while all the women seem not to? I guess men turn gray earlier :) Logical, but: DW's hair "...
by RudyS
Tue Jun 19, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8415

Re: gray hair

Ron wrote:
Tue Jun 19, 2018 1:27 pm
I earned my grey/white hair by a lifetime of experiences (I'm 70 :mrgreen: ); I'm not giving up a current look that took me a lifetime to achieve :beer ...

- Ron
same, but 82 YO.
by RudyS
Tue Jun 19, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need help from alchemists
Replies: 6
Views: 873

Re: Need help from alchemists

An arbitrage opportunity from Costco: https://www.costco.com/14kt-Yellow-Gold-Bar-Earrings.product.100320288.html It contains 2.91 g of gold, or 20% gross margin before sales tax. I believe the2.91 g of "gold" is 14kt gold. I.e., only 1.45g of actual gold. I didn't do the rest of the calculation.
by RudyS
Mon Jun 18, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8383

Re: how to make friends in new location?

It is time to remind everyone that a conversation via computer is not the same as face to face. There are lots of chances for misunderstanding comments, and motives. There are at least 3 examples in the previous messages in this thread. There is a (sort of) relevant quote: "I am not sure that what y...
by RudyS
Mon Jun 18, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 3918

Re: Article on hotel booking sites - no bargains

I use TripAdvisor to check reviews. They do offer to do booking, but I have never found their prices to be better than the hotel web sites. And booking directly does, as said above, have advantages too. The AAA tour books have maps for larger cities (and some not so large) where you can learn exact ...
by RudyS
Mon Jun 18, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: suggestions on which state to hire a mover: start or end?
Replies: 3
Views: 514

Re: suggestions on which state to hire a mover: start or end?

123 wrote:
Sun Jun 17, 2018 10:05 pm
I think the normal practice is to have them pick-up your stuff first. It's very difficult to get a price (even if it's only a reasonable estimate) without looking at how much stuff there is to move.
Agreed. best to start with the local folks.
by RudyS
Sun Jun 17, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can I take state tax deduction on 529 if relative makes a contribution
Replies: 10
Views: 1264

Re: Can I take state tax deduction on 529 if relative makes a contribution

sal paradise wrote:
Sun Jun 17, 2018 7:23 pm
FYI, I spoke with the state representative for the 529 and since I am the account owner I can take the tax deduction whether I contribute or an out of state relative contributes. This still seems bizarre, but I'll take it.
It does seem odd, but it wouldn't be the only "bizarre" rule out there.
by RudyS
Sun Jun 17, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2655

Re: When is the June ex-dividend date for VTSAX

I look at it this way: It's not an actual tax cost, but rather an advance payment. The value of the dividend is added to your tax basis, so you don't pay again. I hate this "added to your tax basis" statement because it is so bogus. With Cost Basis Method of Specific Identification, the cost basis ...
by RudyS
Sun Jun 17, 2018 9:58 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2655

Re: When is the June ex-dividend date for VTSAX

All true points. I don’t think I’m market timing, but rather timing so that I don’t get a guaranteed fee. It’s only a 7.5k investment so I think the tax cost would be small potatoes in the grand scheme of things. But it’s a guaranteed tax cost vs possible market rally over 2 days. I look at it this...
by RudyS
Sat Jun 16, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2694

Re: Drive from Phoenix to San Diego

So many great tips here, thank you. I just booked our trip, and we are leaving for Fresno in less than a week! I'm thinking 1 night near Sequoia & Kings Canyon Park, 2 nights near Yosemite, 1 night in Mammoth Lakes if we need it, and then drive to SD. I know accommodations will be tough, but we'll ...
by RudyS
Fri Jun 15, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5289

Re: A vehicle that "sits up" but can't afford CRV

Maybe too obvious: I have long legs, and when cars seemed to have shorter leg room than today, I would go and "try on cars." Then do research on those that pass the screen. There have been lots (and lots) of good ideas posted above. Can you find a used car place (Carmax?) with a lot of cars to just ...
by RudyS
Fri Jun 15, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2694

Re: Drive from Phoenix to San Diego

I've been to Yosemite 8 times, and Sequoia/Kings Canyon twice. That might say something. With the limited days you have, I'd spend all in Yosemite and skip S/KC. Problem with timing is that you would not find lodging in Yosemite, and then spend some time driving in and out from (likely) El Portal. A...
by RudyS
Tue Jun 12, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4635

Re: Water heater installation situation

could you cancel your purchase from HOme Depot and find a plumber you know/someone else could recommend who is more interested in figuring out the problem and ways to approach the situation that this person is? i would think a plumber in your area would be well-versed in the different options that ...
by RudyS
Tue Jun 12, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: 1040x and taxes due
Replies: 3
Views: 391

Re: 1040x and taxes due

I would reply to the letter explaining what happened. The letter should have information on how to reply and to where.
by RudyS
Mon Jun 11, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4635

Re: Water heater installation situation

It is installed in a laundry/utility room (also has the boiler for the radiant system). It was like that when I got the house. The contractor had no solution other than when it's corrected they will install. They said it is a city permit item. I am in Missouri. That right there means a call for ano...
by RudyS
Sun Jun 10, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Paint shutters or remove
Replies: 7
Views: 748

Re: Paint shutters or remove

Our (plastic/vinyl) forest green shutters which were on the house since we had it built two decades ago had sun fade. We had our painters look at them when they were out to do some other outside painting and they recommended just to have them replaced. They could repaint them, but they doubted if t...
by RudyS
Fri Jun 08, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 32
Views: 2951

Re: College: extraneous expenses

Are trips home subsidized or do you pay for them? Is a car "extraneous?" You can do better writing this all down from your perspective thanI can in the absence of a lot of details. Good luck with your studies. And the "extraneous"!
by RudyS
Fri Jun 08, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in Florida but you are hundreds of miles away
Replies: 33
Views: 2789

Re: Buying a house in Florida but you are hundreds of miles away

There's a large Del Webb community, Stone Creek, in Ocala. No idea of cost though.
by RudyS
Fri Jun 08, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 3956

Re: Death - Prediction

At my physical exam, while Doc was checking joint movement, he asked me, "how long do you plan to stay around, anyway?" So I gave him my father's age when he passed, plus a few more years. That would be a "ripe old age." He didn't comment. BUT I realized later I should have said, "You're the doctor,...
by RudyS
Wed Jun 06, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Account Beneficiary Designation
Replies: 6
Views: 482

Re: Joint Account Beneficiary Designation

That is how it is. It is asinine. But wasn't always that way. We are grandfathered into a beneficiary designation on our taxable joint account which is still valid. Were this not possible, I would be tempted to move to Fidelity.
by RudyS
Wed Jun 06, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Got Married. Selling Both homes to start fresh. Claim Cap. Gains exemption on both?
Replies: 9
Views: 2412

Re: Got Married. Selling Both homes to start fresh. Claim Cap. Gains exemption on both?

LadyGeek wrote:
Wed Jun 06, 2018 4:09 pm
iceman123, Welcome! FYI - This thread is from 2015.
Though old news, I thought I'd go to "the source" anyhow. Correct answer is in IRS Pub 17, special rules for sale of home by married couples. Katietsu was right.
by RudyS
Wed Jun 06, 2018 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: RMD donations using checks
Replies: 26
Views: 1435

Re: RMD donations using checks

Maybe I wasn't clear. I have a checking account in my IRA. The check I would write directly to the charity would be written by me, written TO the charity, and be on a Vanguard check that is part of my Vanguard IRA account. Thus, the $$ would go directly from my Vanguard IRA to the charity, written ...
by RudyS
Tue Jun 05, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: How to know if power is cut to smoke detector
Replies: 35
Views: 3633

Re: How to know if power is cut to smoke detector

Hi....I think you need to contact an electrician. Not knowing to test this with a voltmeter without even thinking about it tells me that you shouldn't be messing with this. This is, in general,good advice. But a homeowner should learn to do this. I would prefer to use a tester over a voltmeter with...
by RudyS
Tue Jun 05, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Redeeming Credit Card Miles
Replies: 12
Views: 1240

Re: Redeeming Credit Card Miles

RickBoglehead wrote:
Tue Jun 05, 2018 9:32 am
That's why I have a Citi DoubleCash card. 2% cashback on everything. I use my Chase card quarterly for the special categories that pay 5% (currently Groceries), and my Costco card for gas (4%) and travel/dining (3%).

Tired of the games required on the other ones.
That's me exactly!