Search found 1293 matches

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: 884

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: 15
Views: 1996

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: 15
Views: 1363

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: 908

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: 3774

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: 53
Views: 4640

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: 53
Views: 4640

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: 2569

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: 284

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: 15
Views: 1363

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: 1334

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: 276

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: 1668

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: 3532

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: 5068

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: 5068

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: 1183

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?
by RudyS
Fri Oct 12, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Can a Person Under 21 Rent a Hotel Room?
Replies: 15
Views: 1508

Re: Can a Person Under 21 Rent a Hotel Room?

Even if the chain has a policy saying 18 years, any specific hotel might have a more restrictive policy. Best to check the hotel you plan to use.
by RudyS
Fri Oct 12, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Key West Hotels
Replies: 27
Views: 1787

Re: Key West Hotels

Planning to go to Key West, Florida this December for a week with wife and my boys aged 23 and 20. Need a good hotel or resort recommendation from Bogleheads who traveled recently. I used to rely on reviews on travel sites like expedia, however was badly burned several times as most of those review...
by RudyS
Fri Oct 12, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7121

Re: My life saved by New subaru. Almost died.

You were lucky. The Owner's Manual explicitly says NOT to try to test that system because of the danger.
by RudyS
Thu Oct 11, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5162

Re: Feeling Guilt among family/peers

KlangFool wrote:
Thu Oct 11, 2018 8:23 am
OP,

Thanks for the reminder. Time for me to donate to the local food bank.

KlangFool
+1
by RudyS
Thu Oct 11, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Am I secure using my computer for financial services?
Replies: 28
Views: 4038

Re: Am I secure using my computer for financial services?

You might consider installing the premium version of Malwarebytes, running it concucurrently with AVG. I had the premium version of Malwarebytes; however, AVG updated their system and the new version was not compatible with Malwarebytes. Unfortunately, I had to uninstall Malwarebytes. Luckily, I on...
by RudyS
Wed Oct 10, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 38
Views: 1818

Re: Route-66 trip recommendations

Google is your (and their) friend. Search for route 66 road trip . I see a number of leads to agencies, and just to suggestions for individual follow up. Tripadvisor will provide lots of info on specific places. Our last route 66 road trip was on the actual route, in 1963. Picked up 66 in St. Louis,...
by RudyS
Wed Oct 10, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 42
Views: 5060

Re: Pls help us design our family life!!!

Good comments so far.
But to repeat, pay yourself first! remember you can get loans for college, but not for retirement.
Also, you may be missing some helpful advice by telling us to lay off the 6K "discretionary" spending. Sort of asking us to help with one hand behind our back.
by RudyS
Tue Oct 09, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Received IRS notice CP 2000 asking more tax. Need help.
Replies: 23
Views: 2680

Re: Received IRS notice CP 2000 asking more tax. Need help.

Thank you, ram, for providing us the update. Glad it worked out for you.
by RudyS
Mon Oct 08, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 14273

Re: Tips for staying active / injury-free into older age

woof755 wrote:
Tue Jul 31, 2018 12:16 am
Stay thin.
At all cost.
Works for me. 82 YO, bmi right at the bottom of healthy range. But I'm lucky, seems to be genetic, don't have to work at it.
by RudyS
Mon Oct 08, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Seeking recommendation for mover
Replies: 1
Views: 204

Re: Seeking recommendation for mover

No personal experience, but there is a local place, part of a franchise I believe, called "two men and a truck." Our place (in the midwest) has a decent reputation. You might ask if anyone local to you has had experience with them.
by RudyS
Mon Oct 08, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 10
Views: 1237

Re: Radon

Part of the issue is "how to test." I picked up a free test kit from our County Dept of Health. Level was quite low. But the interesting point here is that the instructions with the test said "not for use in real estate transactions." So I am comfortable living here, but if a buyer wanted an officia...
by RudyS
Fri Oct 05, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Going to Ft Lauderdale Nov 3
Replies: 3
Views: 440

Re: Going to Ft Lauderdale Nov 3

For several years we spent 4 or 5 days at the Wyndham in Deerfield Beach each winter. Virtually right on the water. Nice beach. Walking path along the beach. Several restaurants close by, varying styles. Easy to drive to parks and nature preserves, and you are close to Fort Lauderdale for whatever "...
by RudyS
Fri Oct 05, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: How to clean oil off a lamp without damaging it
Replies: 10
Views: 704

Re: How to clean oil off a lamp without damaging it

I think the next step if if the detergent doesn't work might be kerosene, or similar. Something a bit, but not too, "solvent-y." FIRE HAZARD! But it does make sense to use a thinner mineral spirit/kerosene to get the more viscous mineral oil moving, then follow up with Dawn. Do this outdoors, no sm...
by RudyS
Fri Oct 05, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: How to clean oil off a lamp without damaging it
Replies: 10
Views: 704

Re: How to clean oil off a lamp without damaging it

I didn't know what a rain lamp was, so went to google. They also suggested a search that included cleaning. Many links, but I just looked at one. It might help! Check out this woman's blog. http://triciabarrett.blogspot.com/2015/ ... -lamp.html
by RudyS
Thu Oct 04, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3936

Re: Black suit with dark brown shoes?

I recently saw a mannequin at Macy's with a black suit and brown shoes. Grated on my sensibilities. I'm 82 and can't remember seeing that combo ever before in my life. Evaluate the upside and downside. I would never wear brown shoes in that situation. The fact that the brown shoes are a dark brown d...
by RudyS
Thu Oct 04, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2060

Re: AARP UnitedHealthCare Plan G

F vs G: DW loves Plan F because there is no deductible, no copays. Even though it costs us a few bucks more. For me, I have Plan N.
by RudyS
Thu Oct 04, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11746

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

Unless you knew the AC system had a history of poor or no performance you're not obligated to reimburse. But, it's still nice to express regret and wish better luck with their new purchase. Unless they saved the old system and your AC tech can review its condition you won't see any legal action. Bu...
by RudyS
Wed Oct 03, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Need a better RMD calculator
Replies: 19
Views: 837

Re: Need a better RMD calculator

Probably you need more comprehensive financial planning software than just the RMD calculators you see out there. I second-guessed you with a Google search, but didn't find anything there either.
by RudyS
Wed Oct 03, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Closing account with Morgan Stanley questionable fees
Replies: 7
Views: 610

Re: Closing account with Morgan Stanley questionable fees

I inherited part of an account (shares divided among 4 heirs) several years ago. Same deal. I had everything transferred in kind to Vanguard. There was no closing fee. Maybe because other family members had sizable accounts at MS and they didn't want to rock the boat. As mentioned earlier, the $800 ...
by RudyS
Tue Oct 02, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 55
Views: 3891

Re: Tipping

I once heard that "TIP" meant "to insure promptness." That's why I tip the curb-side baggage checkers. What you heard is a case of false etymology. No basis in fact. False etymology or urban legend, it predates the internet for sure. Lots of details here: https://www.snopes.com/fact-check/tip-sheet...
by RudyS
Tue Oct 02, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 55
Views: 3891

Re: Tipping

Do whatever feels right to you. Our tipping culture is honestly bizarre and inconsistent. For example, outside the airport, many people tip the curbside baggage handlers. Inside the airport many people don't tip the airline baggage handlers for doing the same job. I once heard that "TIP" meant "to ...
by RudyS
Mon Sep 24, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care
Replies: 92
Views: 4790

Re: Long Term Care

This thread assumes there are two choices: buy LTC insurance, or self-pay. I don't want to digress, but I feel someone should point out that Continuous Care Retirement Communities (CCRCs) are a possible option. Stiff buy-in, expensive monthly payments, but nothing like nursing home costs. Many peopl...
by RudyS
Fri Sep 21, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8738

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: 1372

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: 6966

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: 139
Views: 8738

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: 5484

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: 3074

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: 1254

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: 1254

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: 1298

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: 1334

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: 1863

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?