Search found 1141 matches

by RudyS
Fri Jun 22, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 90
Views: 7061

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: 5040

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: 116
Views: 10227

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: 13
Views: 1185

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: 6442

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: 817

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: 126
Views: 7011

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: 126
Views: 7011

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: 832

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: 90
Views: 7061

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: 3696

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: 484

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: 1228

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: 2535

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: 2535

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: 2483

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: 5082

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: 2483

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: 4372

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: 375

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: 4372

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: 715

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: 29
Views: 2387

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: 2710

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: 3788

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: 457

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: 2342

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: 1366

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: 3522

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: 10
Views: 963

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!
by RudyS
Sun Jun 03, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Missed RMD for 2017: IRS Form 5329. Accountant told me to file next year
Replies: 6
Views: 852

Re: Missed RMD for 2017: IRS Form 5329. Accountant told me to file next year

The accountant is both correct and wrong. The accountant is correct that you do not need to file an amended return for 2017 to reflect the missed RMDs. However, the accountant is most definitely wrong about those missed RMDs. Which are subject to a 50% penalty unless waived by the IRS. You are corr...
by RudyS
Thu May 31, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2462

Re: Enterprise vs Avis

seawolf21 wrote:
Wed May 30, 2018 4:51 pm
I would run the numbers by autoslash.
+1. That worked well for me several times. You can select the vendor, or you can go with a potluck choice.
by RudyS
Tue May 29, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Beachbody Coach (multi level marketing)
Replies: 27
Views: 2833

Re: Beachbody Coach (multi level marketing)

If it's 1099 income without withholding, she should be paying taxes quarterly. There would be penalties even if she pays the right amount, if it's all paid at the end, at "regular tax time". RM Or, instead of filing estimated tax, you/she can increase your withholding a bit to cover the extra tax.
by RudyS
Tue May 29, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3179

Re: Cruise ships for multi-generational family

jm1495 wrote:
Tue May 29, 2018 7:32 am

The vacation is what you make it. Even the most luxurious cruise will be terrible if you go into with the mindset that it will be terrible.
Absolutely so true.
by RudyS
Mon May 28, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Remote temperature monitoring
Replies: 22
Views: 1772

Re: Remote temperature monitoring

For years I have been using FreezeAlarm Homestitter. It uses an old school phone land line. It calls three telephone numbers and has an audible alarm for: - low/high temperature - power outage - water leak.....has a water sensor on it. You don't have to use it. I put a phone jack near my water heat...
by RudyS
Sun May 27, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Buying Ford Extended Warranty online vs different plan offered by the Dealer...
Replies: 21
Views: 1211

Re: Buying Ford Extended Warranty online vs different plan offered by the Dealer...

One more thing - there's no rush! You can get the Ford warranty anytime up until the original warranty expires.
by RudyS
Sun May 27, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Buying Ford Extended Warranty online vs different plan offered by the Dealer...
Replies: 21
Views: 1211

Re: Buying Ford Extended Warranty online vs different plan offered by the Dealer...

Factory warranty only! But check the terms. You want what is called "exclusionary." It excludes only normal wear parts like brakes, wipers. You do not want one with a long list of covered items. It sounds good till it turns out your problem is not on that list.
by RudyS
Sun May 27, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Does Wells Fargo Advisors Require Medallian Signature Guarantee
Replies: 15
Views: 1141

Re: Does Wells Fargo Advisors Require Medallian Signature Guarantee

There was at least one previous thread about this. Use Advanced Search, search for Wells Fargo Medallion. Good luck.
by RudyS
Sun May 27, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Temporary living arrangements
Replies: 6
Views: 739

Re: Temporary living arrangements

PODS is just one of a number of moving container companies: https://www.move.org/best-moving-container-companies/ .I know nothing about these, but they might be other options for you.
by RudyS
Sun May 27, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 12444

Re: Helping Adult Children (but not too much)

Lots of good thoughts here. One thing to add to the discussion is the projection for our own future. If we go away today, there will be a great inheritance. But we want to be sure (as much as one can be sure) that long term care is covered from our assets and that the kids won't be "stuck" with us. ...
by RudyS
Sat May 26, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 2748

Re: Near commercial level treadmill

Precor is the best brand out there. Not as fancy as some of the other brands, but that is because they put their money into better belts/ frame and motor. I have one of those. Use it every other day, in combination with some weights. It's in front of a TV/DVR setup. Takes 40 minutes to watch a one ...
by RudyS
Sat May 26, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 2748

Re: Near commercial level treadmill

You might run an ad on Craigslist or your local paper offering to BUY. "Wanted - used treadmill, high quality." There are lots of folks with treadmills in the basement who would be glad to be rid of them with a little impetus. If moving them is an issue, contact a place that sells/services treadmill...
by RudyS
Sat May 26, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2296

Re: Brick pavers on the edge of my porch are already falling off

I'm wondering why the darn things have to float. Put something under all of them, so that they don't float. It looks like the lack of something was a shortcut to avoid spending time and money. That's the real question. I wondered about that all the time I was working through the previous posts.
by RudyS
Fri May 25, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: My first CP2000 letter from IRS! Am I missing something?
Replies: 23
Views: 3532

Re: My first CP2000 letter from IRS! Am I missing something?

IRS makes mistakes. A couple of years ago I got a CP2000 claiming I did not report the distribution from my wife's IRA. But I did, together with mine. These are lumped on line 15. The total was the sum of the two 1099s, I don't know how they could have missed it. I wrote an explanation, and a while ...
by RudyS
Fri May 25, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Rental car in Denver, CO
Replies: 22
Views: 1682

Re: Rental car in Denver, CO

triyoda wrote:
Fri May 25, 2018 9:23 pm
Denver is also most expensive rental in my opinion. I have never paid less than $500-$600 for an 8 or 9 day rental in the summertime. Even when booked months in advance, don't know what it is about Denver.
Rocky Mountain High!
by RudyS
Thu May 24, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Have a side biz: Should I transfer and then close my biz checking account?
Replies: 11
Views: 766

Re: Have a side biz: Should I transfer and then close my biz checking account?

I have a side hustle that is an LLC for work that I occasionally pick up throughout the year. There's not much money in my business checking account (I have Navy Federal CU) and there are no fees. But, I am trying to simply my finances and wondering if it's OK to close NFCU and just transfer the mo...
by RudyS
Wed May 23, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Rental car in Denver, CO
Replies: 22
Views: 1682

Re: Rental car in Denver, CO

Suggest you try autoslash.com . I've used them a lot and always good prices. They take your rental info, discount plans, memberships, and then in a few minutes send an email with priuces for almnost every rental comnpany. YOU pick one, and then use the link to priceline to actually book. You'll get...
by RudyS
Wed May 23, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Rental car in Denver, CO
Replies: 22
Views: 1682

Re: Rental car in Denver, CO

Suggest you try autoslash.com . I've used them a lot and always good prices. They take your rental info, discount plans, memberships, and then in a few minutes send an email with priuces for almnost every rental comnpany. YOU pick one, and then use the link to priceline to actually book. You'll get ...