Search found 1401 matches

by RudyS
Sat Jan 12, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Leave negative eBay feedback for item not received?
Replies: 7
Views: 609

Re: Leave negative eBay feedback for item not received?

runner3081 wrote:
Sat Jan 12, 2019 5:25 pm
Watty wrote:
Sat Jan 12, 2019 4:59 pm
That must have been a long time ago. I don't think sellers have been able to leave a buyer negative feedback for a long time now, which is one of the problems with eBay.
+1 I am a seller and it has been years since that was allowed - at least 5.
+1. Been a long time.
by RudyS
Sat Jan 12, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 3989

Re: How to buy business class tickets?

I buy Delta Comfort+ seats. I'm 6'3" and absolutely need the leg room now that everybody has shrunk the legroom in standard seats to a ridiculous low dimension. I will not fly any extended distance in regular seats (no more than an hour). This means I shop early and check seat plans for what's avail...
by RudyS
Fri Jan 11, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: Short trip to Orlando with my parents and children
Replies: 25
Views: 1529

Re: Short trip to Orlando with my parents and children

A number of years ago we did an intergenerational trip like OP. Our son, DIL and 3 kids. Plus my DW and I. Plus DIL's parents. That's 9 of us. We did Disney World. Others have described wait times, etc, etc. But I have one good suggestion. When we went, after 20 min., someone needed a restroom. Anot...
by RudyS
Fri Jan 11, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 56
Views: 6634

Re: Who's flying?

There is a TSA App to get wait times and if you Google "Security Wait Times (your airport)" you will often find a web page like this: https://www.ifly.com/john-f-kennedy-international-airport/wait-times That sounds great, but when I try the search, and also when I go to the TSA app, all that there ...
by RudyS
Thu Jan 10, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to sign business tax form (1096) if out of the country?
Replies: 14
Views: 496

Re: How to sign business tax form (1096) if out of the country?

Can you make her an officer of the corporation/business?
by RudyS
Thu Jan 10, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Mowing Business
Replies: 11
Views: 1788

Re: Mowing Business

Could try the classifieds in the local paper. Craigs List does have job postings. I have the impression these types of jobs are mostly filled by word of mouth among friends, neighbors, etc. Is the friend looking for part-time, or full time seasonal? The web site recommended above would be good to as...
by RudyS
Wed Jan 09, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on secular donations & time donations
Replies: 22
Views: 1190

Re: Suggestions on secular donations & time donations

Time donations that I like and get satisfaction from:
AARP TaxAide
Meals on Wheels driver.
by RudyS
Tue Jan 08, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Home Equity Loans- Remind me Status for Itemizing
Replies: 1
Views: 180

Re: Home Equity Loans- Remind me Status for Itemizing

IRS Publication 17 will have this info, available at irs.gov. But only 2017 is available today. There are more specific publications but Pub 17 will refer you. Having said all that, I just completed an AARP Taxaide class, and we were told that HELOC interest is deductible ONLY if the debt was used t...
by RudyS
Sun Jan 06, 2019 4:56 pm
Forum: Investing - Theory, News & General
Topic: How do you view a savings surplus in retirement?
Replies: 117
Views: 5948

Re: How do you view a savings surplus in retirement?

goodenyou wrote:
Sun Jan 06, 2019 3:20 pm
Legacy. Also, to be as bulletproof as possible. I am sure there are studies that show that behavior is consistent over time. That is, savers' frugality persist over time. Having "extra" doesn't increase consumption.
+1 Describes DW and me, at around 80.
by RudyS
Sun Jan 06, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: $100 Christmas gift
Replies: 14
Views: 1735

Re: $100 Christmas gift

If you feel you want my permission, here it is! Enjoy the skates.
by RudyS
Sun Jan 06, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo tax deluxe [Which version to use?]
Replies: 6
Views: 539

Re: Turbo tax deluxe [Which version to use?]

+1. And, if somehow a specific situation is too complicated for DeLuxe, TurboTax will eagerly let you upgrade online.
by RudyS
Sat Jan 05, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2584

Re: Carryon for 7-day FL vacation?

Miriam2 wrote:
Sat Jan 05, 2019 3:20 pm
South Florida here - it DOES get down to a frigid 59-49 degrees here sometimes in the winter and we have to bring out our LLBean fleece 8-)
But if you are coming from a colder location, the warmer clothes will be on your back.
by RudyS
Sat Jan 05, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Correction - Worth It? (Likely Investigation)
Replies: 12
Views: 1112

Re: 2016 Tax Correction - Worth It? (Likely Investigation)

+1 for retiredjg. The world is about more than money.
by RudyS
Fri Jan 04, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6605

Re: USPS price increase on 1/27/19

A First Class Forever stamp has the value of whatever First Class, 1 ounce, postage is at the time you go to mail. How you choose to use it (letter, package), is up to you. When postage when down a penny, these actually LOST value. No, there is no 2 ounce or 3 ounce Forever stamp. As noted, since t...
by RudyS
Fri Jan 04, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2676

Re: Decision - Not Doing it! Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your

I finally got around to reading the brochure and there is no mention of the electronic parts/computer chips in the brochure. Therefore, I think it is excluded since the Ext. Warranty as it only mentions mechanical parts, tires, rims, engine, towing assistance, rental car, etc. Typical stuff that I ...
by RudyS
Fri Jan 04, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2676

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

i would not buy into any hi-tech feature of car. a minor mis-aligned camera, LIDAR sensor will make automation useless. Be a safe driver, not reckless driver with all those "hi-tech" gadgets. I agree with you completely. These new gadgets only supplement safety. When backing out of a space in a par...
by RudyS
Wed Jan 02, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Best Way to get rid of leaves
Replies: 77
Views: 7650

Re: Best Way to get rid of leaves

edge wrote:
Thu Nov 26, 2015 10:01 am
The fastest way is to mulch with the mower. If there are too many leaves to mulch and leave on the ground then mulch/bag with the mower.
And those bagged leaves, go into a "compost" pile.
by RudyS
Wed Jan 02, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: Does Buyer ever Lose on eBay?
Replies: 36
Views: 2229

Re: Does Buyer ever Lose on eBay?

"Ever lose?" Of course. But there must be lots of buyers who have always been satisfied. And many more who have been satisfied almost all the time. And same for sellers. We are getting a limited sample here. I have been selling and buying on eBay for 18 years now. Not much, but a couple hundred item...
by RudyS
Tue Jan 01, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2499

Re: Snow Plowing

Lots of heart attacks and slips from shoveling. It's really a job for high school kids if you can find some willing to do it. I did it as a high school kid. It's not a job for a middle-aged man who can afford somebody else to do it. I have a reliable yard service guy who comes to snowblow the drive...
by RudyS
Tue Jan 01, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Save expired passports?
Replies: 26
Views: 2167

Re: Save expired passports?

Thanks everyone. Was doing a major decluttering and came across these. You all have come up with good reasons to keep them.
by RudyS
Tue Jan 01, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Save expired passports?
Replies: 26
Views: 2167

Save expired passports?

Is there any point to saving expired passports, other than as possibly souvenirs of one's travels?
by RudyS
Mon Dec 31, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Happy New Year Do you have plans?
Replies: 37
Views: 1787

Re: Happy New Year Do you have plans?

Best wishes to all for a happy, healthy, and prosperous New Year. Thanks everyone for sharing your expertise, knowledge, and (yes) opinions on so many issues of interest to so many people. To answer the OP, it's just dinner at a Chinese Buffet for DW and me and about 8 friends. Probably won't even b...
by RudyS
Sun Dec 30, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Tax Return, MFJ + Adult Dependent, Foreign Pension, ACA
Replies: 9
Views: 584

Re: Tax Return, MFJ + Adult Dependent, Foreign Pension, ACA

Tomd37, I think you have it right. Just for the benefit of those not already in the know, IRS Publication 17 is a treasure trove of good information. Available on-line at irs.gov .
by RudyS
Sat Dec 29, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Deluxe 2018 doesn't include Schedule D?
Replies: 35
Views: 2352

Re: H&R Block Deluxe 2018 doesn't include Schedule D?

nalor511 wrote:
Sat Dec 29, 2018 8:08 pm
Don't state e-file, print and mail for just the cost of postage.
TurboTax state e-file gets more expensive each year. I am about to go over to mailing the return, despite the fact that Michigan virtually begs everyone to e-file. If you have a refund coming, it will be SLOW if you file on paper.
by RudyS
Sat Dec 29, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Return, MFJ + Adult Dependent, Foreign Pension, ACA
Replies: 9
Views: 584

Re: Tax Return, MFJ + Adult Dependent, Foreign Pension, ACA

Do run the situation through the IRS information as suggested above. You may need a better number for the "about $4000" pension, because the limit in 2018 is $4150. But there is the proviso that social security doesn't have to be counted. I don't know how foreign pensions are treated - like SS or so...
by RudyS
Sat Dec 29, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Father-in-law denied apartment for lack of income even though he has assets. What to do?
Replies: 77
Views: 7603

Re: Father-in-law denied apartment for lack of income even though he has assets. What to do?

stan1 wrote:
Sat Dec 29, 2018 2:05 pm
$1000 per month in California. Is this subsidized housing? If so there may be a city or county office you can appeal to.

If he has seven figures of net worth might he have close to $3K/month in interest/dividends declared on his tax return?
Was just about to suggest that.
by RudyS
Fri Dec 28, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Pre Cruise Ft Lauderdale Hotel
Replies: 29
Views: 1313

Re: Pre Cruise Ft Lauderdale Hotel

Can't remember which one we stayed at in Dania Beach which is close to the airport and the port. There is probably every chain represented. Suggest you go to TripAdvisior and search for hotels in Dania Beach. Most if not all have free shuttle to the port.
by RudyS
Fri Dec 28, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: How to monitor elderly parents' finances to protect them from fraud
Replies: 15
Views: 662

Re: How to monitor elderly parents' finances to protect them from fraud

I think you are very well-intentioned, but early. Some things should be in place now: will, durable POA and h inealth care POA, and for some (many?) financial institutions, their own POA or agency form. I'm 82, our kids are aware and of course involved of all this. Fortunately, I'm still mentally sh...
by RudyS
Thu Dec 27, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: which route is more economical?
Replies: 19
Views: 1440

Re: which route is more economical?

I would think that the stop and go driving will burn more gas than the faster route. But the distances are not so long. I would take the route that is "easier" driving.
by RudyS
Wed Dec 26, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Hassle Factor Changing Credit Cards
Replies: 23
Views: 1658

Re: Hassle Factor Changing Credit Cards

The biggest hassle is unfreezing your credit report(s), if you've done that. This takes a few minutes if it goes smoothly or if it doesn't a few hours. Does your card issuer have a better card you'd prefer? They may switch you to a different card without a credit report. Agree its best to have more...
by RudyS
Sun Dec 23, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9751

Re: When did the musicians on the titanic realize their fate?

Bogleheads: I am in retirement. Money that I cannot afford to lose is in reasonably safe Total Bond Market Index Fund; the rest of my savings are in a 500 index fund. Result: No worry about the stock market. If I could start over, I would own The Three-Fund Portfolio. Happy Holiday! Taylor That abo...
by RudyS
Sun Dec 23, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Are TIRA withdrawals spend on medical not taxed, or less taxed?
Replies: 19
Views: 1025

Re: Are TIRA withdrawals spend on medical not taxed, or less taxed?

Sort of like LTC, just sort of, is paying the entrance fee for a Continuing Care Retirement Community, CCRC. Specifically, a Type A LifeCare plan. Also, the monthly fees are treated similarly I have been told by several CCRC's which we visited, that a large percentage of these costs are considered p...
by RudyS
Sat Dec 22, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?
Replies: 44
Views: 3883

Re: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?

It may be interesting to know, but it is not an "offer." It's just an explanation of how their pricing works with regards to the score.
by RudyS
Sat Dec 22, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Invest in a larger gutters? downspouts? or skip it altogether
Replies: 13
Views: 4823

Re: Invest in a larger gutters? downspouts? or skip it altogether

At my house, when replacing gutters, I found that the connector (adapter) size/shape from gutter to downspout matters. The original installation used a smaller circular connector than the rectangular, larger connectpor which was installed with my newer system That alone could not have accounted for ...
by RudyS
Sat Dec 22, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 5943

Re: Is Liquid Plumber / Draino bad for the pipes?

I think that the exothermic reaction with Draino (lye), etc., MIGHT generate enough heat to damage a PVC pipe. No evidence, just my logic.
by RudyS
Sat Dec 22, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?
Replies: 44
Views: 3883

Re: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?

You only need a good credit score when you are applying for new financing...right? Are you wanting to buy a house, car, or other large purchase that requires a credit check? My credit fluctuates about 50 pts in any given quarter based on credit utilization, paying off a large chunk, and canceling c...
by RudyS
Sun Dec 16, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Auto, home and umbrella insurance
Replies: 8
Views: 891

Re: Auto, home and umbrella insurance

I'd say no risk if your switching to a reputable insurance company and you understand the coverage. Check if you'll get a longevity discount with the new insurer. I always stick with not-for-profit companies (like AAA) that offer a dividend offset based on their claims costs. AAA pays dividends? I ...
by RudyS
Sun Dec 16, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 39162

Re: TurboTax Prices

It's still amazing how much energy can be spent on a once-a-year purchase to save maybe $20. I've done it too. But this year I took the easy way out. I had $20 of rewards/bonus coupons from Staples which were about to expire. I just took them to the store and bought TT Deluxe at $59 retail, cost me ...
by RudyS
Sun Dec 16, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Uninterruptible power supplies (UPS) battery backups: Need advice
Replies: 23
Views: 1536

Re: Uninterruptible power supplies (UPS) battery backups: Need advice

My experience: bought an APC model BE750G at Staples in Feb 2009 for $100. Still plugging along.
by RudyS
Sun Dec 16, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Shell $0.05/gal discount card
Replies: 27
Views: 1509

Re: Shell $0.05/gal discount card

Thanks. Speedway has a rewards program that gets you 3 cents per gallon. You buy a prepaid card using any credit card you want, and then use the Speedway card to purchase your fuel. I stock up on gas cards when my Chase or Citi card gives 5% as the quarterly category.
by RudyS
Sat Dec 15, 2018 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19420

Re: I made a mistake by not selling when the market was high this year

SevenBridgesRoad wrote:
Sat Dec 15, 2018 2:01 pm
I wonder about these threads where the OP completely disappears.
I bet he had a Scotch or two, relaxed, rethought this, and is embarrassed to come back. :wink: :sharebeer
by RudyS
Sat Dec 15, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Question on dryer vent cleaning
Replies: 33
Views: 3464

Re: Question on dryer vent cleaning

Agree with Critical . I bought one of these from the local big box store, and was amazed about the amount of lint that was in the vents once I started cleaning. https://www.homedepot.com/p/Everbilt-Dryer-Vent-Cleaning-Kit-DVBRUSH12K-6HD/205047060 Spent $20, saved some money, and took about an hour ...
by RudyS
Sat Dec 15, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nester downsizing - any advice?
Replies: 64
Views: 8366

Re: Empty nester downsizing - any advice?

Rather than a lot of Craigs List, yard sale, etc., activity, we are thinking of having an "estate sale" company sell everything left after we move. I described earlier, it's a move from a 4 BR 2 story house to a 1000 sq ft 2 bedroom apartment in a retirement community. Then paint, and sell an empty ...
by RudyS
Sat Dec 15, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card question
Replies: 12
Views: 1202

Re: Credit card question

In your situation I would literally chuckle and forget the credit card game. My BiL found out earlier this year that it was literally impossible for him to rent a car without a credit card at a major airport. He had to pay triple what he would have otherwise to get an Uber to take him on a 2.5 hour...
by RudyS
Sat Dec 15, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card question
Replies: 12
Views: 1202

Re: Credit card question

My question, is there a credit card that looks beyond the credit score? Here is my situation. Since insurance rates etc... are tied to credit scores, I thought I would get a credit card and build up my score. I can't qualify for a decent card :annoyed No, don't play the game when you've already won...
by RudyS
Sat Dec 15, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I send my Qualified Charitable Distribution to a charity]?
Replies: 26
Views: 1383

Re: [How do I send my Qualified Charitable Distribution to a charity]?

I am not a tax professional, but it is my opinion that the date of your QCD is the date that the check is paid by Vanguard. Vanguard's 1099-R reflects your total distributions for the tax year. You then identify how much is a QCD. I don't know how checks not cashed by year-end are treated. This isn'...
by RudyS
Fri Dec 14, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: [How do I send my Qualified Charitable Distribution to a charity]?
Replies: 26
Views: 1383

Re: [How do I send my Qualified Charitable Distribution to a charity]?

The checkbook is specific to the Prime Money Market fund in my IRA. It is the "new" brokerage account but I don't know if that's necessary, so long as it is an IRA.
by RudyS
Fri Dec 14, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Question on dryer vent cleaning
Replies: 33
Views: 3464

Re: Question on dryer vent cleaning

Cleaning the vent pipes is usually a good idea. But, do you really need it? The filter in the dryer is supposed to catch the lint. Does it have a tear in it? Do the clothes dry in the same time they used to? I doubt if the $80 price recognizes the need to move both appliances, and then do the work, ...
by RudyS
Thu Dec 13, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: MLP's [Master Limited Partnership]
Replies: 26
Views: 1639

Re: MLP's [Master Limited Partnership]

I had a few of these, $5000 each, many years ago. Lost money on all. The Apache Petroleum one was the world's biggest tax headache. These are a great way to make money - for the sponsors! Disclaimer: your future results may not equal my past performance.
by RudyS
Thu Dec 13, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: MA auto/home/umbrella insurance
Replies: 7
Views: 510

Re: MA auto/home/umbrella insurance

Google has many choices. insurancequotes dot com is just one. No knowledge of it. BUT, the usual recommendation is to find a live independent agent run such a search. If you do this on line, be prepared for A deluge of spam and phone calls.