Search found 1365 matches

by RudyS
Sun Dec 16, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Auto, home and umbrella insurance
Replies: 8
Views: 685

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: 205
Views: 29052

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: 12
Views: 754

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: 26
Views: 1228

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: 104
Views: 8357

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: 28
Views: 2265

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: 8073

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: 1154

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: 1154

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: 1316

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: 1316

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: 28
Views: 2265

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: 1567

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: 488

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.
by RudyS
Thu Dec 13, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Landlord charging for unwarranted repairs.
Replies: 10
Views: 1459

Re: Landlord charging for unwarranted repairs.

Some states/localities have ordinances covering landlord-tenant contracts. You might check to see if there is any restriction on what landlord can do, i.e., timing, etc. This costs nothing.
by RudyS
Thu Dec 13, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Reporting for Brokered CDs
Replies: 15
Views: 742

Re: Tax Reporting for Brokered CDs

My thought is to just work off whatever 1099 forms you receive. I think there is an entry for Original Issue Discount on the 1099-INT that would (might?) apply here.
by RudyS
Wed Dec 12, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Received IRS letter - be proactive or sit back?
Replies: 25
Views: 2983

Re: Received IRS letter - be proactive or sit back?

IRS Publication 17, page 27, has a detailed chart for who can claim a dependent. I would follow the IRS instructions. If for some reason they decide against you, I assume they will let you know via a CP2200 letter. Then you can make your arguments. They may be sending the letter anyhow. I can think ...
by RudyS
Tue Dec 11, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7723

Re: To each his own ( I guess )

"My wife and I are very responsible and have excellent driving records but for their own reasons our grown kids want to be the ones behind the steering wheel if the grandkids are in the car so that obviously puts a limit on some types of travel." ... Maybe they notice things about your driving that...
by RudyS
Mon Dec 10, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Buying house for cash, sellers requesting proof of assets
Replies: 23
Views: 4492

Re: Buying house for cash, sellers requesting proof of assets

Make sure you know what form of payment will be accepted by the title company. I had a contract that stated that either wire or certified check was acceptable and I had made plans to pay with certified check. At the last minute, the title company said they would only accept a wire transfer regardle...
by RudyS
Sat Dec 08, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Retaining mental sharpness in retirement communities?
Replies: 8
Views: 1422

Re: Retaining mental sharpness in retirement communities?

Thanks everyone for your thoughts and comments. The message I get is, that it's up to us to stay active and there should be lots of opportunities. Happy holidays all.
by RudyS
Fri Dec 07, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: California 8 days road trip LA-SFO
Replies: 40
Views: 2112

Re: California 8 days road trip LA-SFO

Another place to see the coast redwoods is Big Basin State Park. Near Santa Cruz, south of San Jose. The roads reportedly have been improved since the last time I was there decades ago, but the trees are great there. I'd check the sate park's web site and TripAdvisor.
by RudyS
Fri Dec 07, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 47
Views: 3563

Re: Root Canal - dentist or endodontist

This is clearly a YMMV situation. Depends on the dentist as well as your tooth. For what it's worth, I had a root canal done, the tooth was dead, dentist has perhaps 10 years experience, and was comfortable doing this. As a layman I cannot judge his professional competence, but it seemed he was very...
by RudyS
Fri Dec 07, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Retaining mental sharpness in retirement communities?
Replies: 8
Views: 1422

Retaining mental sharpness in retirement communities?

DW and I were discussing whether a move to a retirement community (coming soon, CCRC in our case) has an effect on one's mental sharpness, due to lack of the structured activities we currently have. I know that we should be able to help this situation by finding new things to replace what will be le...
by RudyS
Tue Dec 04, 2018 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: The Myth of Steady Retirement Spending
Replies: 50
Views: 6979

Re: NYT Article: The Myth of Steady Retirement Spending

The 800# gorilla is health care costs for a spouse with unequal longevity to the other one. Are you referring to early retirees (i.e. before Medicare eligibility), retirees' healthcare expenditures not covered by Medicare, or Medicare itself failing? The gorilla is probably nursing home care. Medic...
by RudyS
Fri Nov 30, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: United HealthCare
Replies: 27
Views: 1969

Re: United HealthCare

We have them as a Medicare supplement. No problems. But they don't get to make coverage decisions. Medicare makes the decision. If Medicare covers something, then UHC just pays the supplemental amount the plan specifies.
by RudyS
Fri Nov 30, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4416

Re: How do Bogleheads justify taking vacation?

What about viewing or hiking in nature? You don’t have to spend a ton to travel or explore. +1 Just sitting by a lake or river and reading a book will help you relax. Or if you own a home there are always projects that need to be done. Even if you hire someone to do the work it often works better w...
by RudyS
Thu Nov 29, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 48
Views: 4127

Re: Tipping lawn service and trash pickup

I tip generously at restaurants for good service,none for surly service.Sometimes I will tip the barista,but not always.I do tip the hotel maid service usually $3 a day,and I don’t do it personally,I leave it in the room at checkout. I do exactly same for hotel housekeepers, but leave it on the des...
by RudyS
Mon Nov 26, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: eBay Item not Received
Replies: 20
Views: 1410

Re: eBay Item not Received

I had this happen. Seller wouldn't do anything beyond a single contact with UPS. Opened Ebay ticket. Didn't address. Opened Paypal ticket. Didn't address. Terminated Ebay and Paypal accounts. Reversed charge on credit card. Happiness! Strange. eBay is known for almost always siding with buyers. Won...
by RudyS
Mon Nov 26, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: eBay Item not Received
Replies: 20
Views: 1410

Re: eBay Item not Received

As far as I know, ebay sellers are required to provide tracking when an item is shipped, even if it's from the post office. (Well, I think it has to be at least priority mail.) But it is any any reputable shipping service, missing tracking info is a major red flag. And if you don't get it within a ...
by RudyS
Sat Nov 24, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Not Itemizing. Can I use Turbotax Basic? or Why not?
Replies: 11
Views: 1216

Re: Not Itemizing. Can I use Turbotax Basic? or Why not?

Downloaded or CD version of Basic will work fine. I do not know about on-line.
by RudyS
Thu Nov 22, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Qualified Charitable Distribution QCD
Replies: 8
Views: 588

Re: Vanguard Qualified Charitable Distribution QCD

Thank you for all the answers. How does Vanguard track this distribution? In other words, if the RMD for 2018 has to be $5000 and my mom takes QCD of $500, where does this information show up in her account? Or is the very fact that there was a sell of $500, Vanguard knows to then take a RMD of $45...
by RudyS
Mon Nov 19, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Incompetent home inspector - what to do?
Replies: 52
Views: 5187

Re: Incompetent home inspector - what to do?

Be careful on leaving your home unoccupied. It can void your insurance policy due to vandalism potential. Our insurance agent recently told me that if it was vacant more than 30 days, we sould lose the theft and vandalism coverage. I believe the remainder of the policy would remain valid. I'm curio...
by RudyS
Sun Nov 18, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Buying Google Home Minis on Ebays
Replies: 14
Views: 1336

Re: Buying Google Home Minis on Ebays

OP here. Doesnt Ebay guarantee your purchases and ding the seller for the funds back and even bar them if they commit fraud? I'm an eBay seller and buyer. It is true that there is buyer protection, which favors the buyer. But I am not sure that, in this case where there is tangible item, what the c...
by RudyS
Sun Nov 18, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6360

Re: Cremation seminar – with complimentary lunch

Teague wrote:
Thu Nov 15, 2018 10:30 pm
If you go, try not to think of the 1973 film Soylent Green.
That's wonderful!
by RudyS
Sat Nov 17, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship Services Include Free Annual Tuneup. Q.’s to Ask?
Replies: 14
Views: 1670

Re: Flagship Services Include Free Annual Tuneup. Q.’s to Ask?

My problem (and it's a good problem) is that almost all my holdings have substantial capital gains, so any tune-up of my portfolio will cost me money in taxes. At this point (I'm 80+) I think I will just hold on till the step-up in basis happens. It's mostly VG index funds, sort of the usual mix bu...
by RudyS
Sat Nov 17, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Incompetent home inspector - what to do?
Replies: 52
Views: 5187

Re: Incompetent home inspector - what to do?

What is required to disclose anyhow? Real defects yes, but surely not anything that's not true. But what if he/she says, for example, carpet is worn, or that a window sticks? Or exhaust fan is noisy? Sure, those could be up for negotiating, but I doubt I'd have to revise my disclosure statement.
by RudyS
Sat Nov 17, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship Services Include Free Annual Tuneup. Q.’s to Ask?
Replies: 14
Views: 1670

Re: Flagship Services Include Free Annual Tuneup. Q.’s to Ask?

My problem (and it's a good problem) is that almost all my holdings have substantial capital gains, so any tune-up of my portfolio will cost me money in taxes. At this point (I'm 80+) I think I will just hold on till the step-up in basis happens. It's mostly VG index funds, sort of the usual mix but...
by RudyS
Wed Nov 14, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Does it ever make sense to pay more tax intentionally?
Replies: 15
Views: 1689

Re: Does it ever make sense to pay more tax intentionally?

I have seen a scenario where taking less mileage deduction created more schedule C income resulting in somewhat larger Earned Income Credit. Depends on lots of variables though including number of kids, etc. I believe this is not legal. That's correct, not legal if done intentionally to increase th...
by RudyS
Wed Nov 14, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Does it ever make sense to pay more tax intentionally?
Replies: 15
Views: 1689

Re: Does it ever make sense to pay more tax intentionally?

I have seen a scenario where taking less mileage deduction created more schedule C income resulting in somewhat larger Earned Income Credit. Depends on lots of variables though including number of kids, etc.
by RudyS
Tue Nov 13, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Fuel system cleaning for old SUV $269!!
Replies: 17
Views: 1216

Re: Fuel system cleaning for old SUV $269!!

Kenkat wrote:
Mon Nov 12, 2018 8:00 pm
Is it running poorly? If no, leave it alone. If yes, I’d try a $5 bottle of Chevron Techron Fuel System Cleaner first.
In days gone by, I used Gumout for my carburetor. But yes, if there is indeed a problem like rough running, try a "can" first.
by RudyS
Mon Nov 12, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Stock market open today?
Replies: 14
Views: 2307

Re: Stock market open today?

Years ago when the nation switched many holidays to Monday (Washington's Birthday, Lincoln's Birthday - those now combined to Presidents Day, and I think maybe another), there was a big complaint by veterans who did not want to change Veteran's Day from Nov. 11th. (That used to be Armistice Day). So...
by RudyS
Mon Nov 12, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1191

Re: Prepaying for Rental Car - Availability Guaranteed?

I only ever prepaid once, because I was certain we were going, and there was an attractive discount.
by RudyS
Sun Nov 11, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Massachusetts Estate Tax
Replies: 8
Views: 1152

Re: Massachusetts Estate Tax

We plan to move to Massachusetts next year. This will be helpful in figuring out what we need to do to minimize eventual estate tax. I had thought we'd need some form of trust(s) but from what I see above there is no longer any need to do this. Is that right? We will of course see a lawyer to make s...
by RudyS
Sat Nov 10, 2018 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 37
Views: 3923

Re: TurboTax on TaxMarkDown.com

I think it is a good idea to be careful when buying tax software from an unauthorized vendor. Considering all the sensitive data you put in the software and there is a lot of uncertainty as to where all the personal data may end up. Caveat emptor! And what else may end up on your computer. Those ri...
by RudyS
Thu Nov 08, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Lowest Cost GPS-Capable Device for Senior Citizen
Replies: 18
Views: 1051

Re: Lowest Cost GPS-Capable Device for Senior Citizen

It's not really relevant that she's a senior citizen. Whatever she comes up with would be of value to anyone on such a restricted budget. Seems she's capable enough if she's driving. I guess I'm a bit sensitive since I'm over 80! For $55 a month I get unlimited talk, text, and 2 GB data on my Verizo...
by RudyS
Thu Nov 08, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 908

Re: HIPAA Information available to out of town ER or not?

Thanks all. I fixed the title as instructed. We did sign the forms, but were just wondering about how necessary this was. Looks like it is.
by RudyS
Thu Nov 08, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3694

Re: Paper or Paperless? How and what financial records do you keep?

I keep hard-copy of the actual returns only, no supporting info, older than 7 years. This is about 4 inches of file folders going back to my first summer job in 1954. I also made a concerted effort to clean out files and souvenirs, etc., so as not to burden the kids. Years ago I identified a box or ...
by RudyS
Thu Nov 08, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 908

HIPAA Information available to out of town ER or not?

My physician's office recently asked me to sign a HIPAA release authorizing them to release my medical information to other providers. The explanation for the request was that if I were out of town, and found myself in a facility such as an ER, that the staff could call my physician for any informat...
by RudyS
Wed Nov 07, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3694

Re: Paper or Paperless? How and what financial records do you keep?

We're all hosed if .pdf format becomes obsolete. I'm kind of joking and kind of not. Something I do think about. VHS anybody? There will be converters around for a long time for stuff like doc, pdf, xls. As for VHS, I recently had tapes of my kids' weddings converted to DVD. Some 35mm slides from t...