Search found 436 matches

by lws6772
Sun Sep 23, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question
Replies: 10
Views: 351

Re: IRA Contribution Question

You might check closer. $100k income - $24k standard deduction $76k taxable which is just below the top of the new 12% bracket for married filing jointly If you are contributing to work plans, you might have more space in the 12% bracket than you think. Or your $100k may have been just a somewhat c...
by lws6772
Sun Sep 23, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question
Replies: 10
Views: 351

Re: IRA Contribution Question

Still working and not sure when I will retire. I have 90K in my TIRA and 20K in my Roth. Would like to have it all in the Roth. Our combined income is presently 100K. It seems you are probably in the 22% tax bracket, but if you are making contributions to retirement plan(s) or health care out of yo...
by lws6772
Sun Sep 23, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question
Replies: 10
Views: 351

Re: IRA Contribution Question

If you are still working, it would make sense to just fund a Roth IRA from your income if you are able. If you are not working, a Roth conversion makes sense and you are not limited to converting only $6,500. Tell us what you are trying to achieve and maybe someone will have an idea. Still working ...
by lws6772
Sun Sep 23, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question
Replies: 10
Views: 351

Re: IRA Contribution Question

61 years old. Can I just take money($6500) out of my TIRA and simply use it to contribute to my Roth without any paperwork per se? I realize there would be taxes on the TIRA. Thanks for any comments. I suppose you could do that if you (or spouse) are working and have the right income to allow the c...
by lws6772
Sun Sep 23, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question
Replies: 10
Views: 351

Re: IRA Contribution Question

cheese_breath wrote:
Sun Sep 23, 2018 12:02 pm
If your tIRA and Roth are both with the same custodian, most of them provide online processes for Roth conversions.
Yes, at the same custodian, a brick and mortar.
by lws6772
Sun Sep 23, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question
Replies: 10
Views: 351

IRA Contribution Question

61 years old. Can I just take money($6500) out of my TIRA and simply use it to contribute to my Roth without any paperwork per se? I realize there would be taxes on the TIRA. Thanks for any comments.
by lws6772
Thu Sep 13, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4168

Re: I need a chainsaw to trim branches and limbs!!

Milwaukee sawzall(aka reciprocating saw) with a tree pruning blade. Been using one for years, way safer than a chainsaw and works great. Mine is corded but I wouldn't mind having a battery powered one when I climb up in the tree(61 year old squirrel).
by lws6772
Sat Jul 28, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Mold in caulk of shower
Replies: 21
Views: 2223

Re: Mold in caulk of shower

I have taken an old toothbrush and used it to work several applications of bleach into the affected areas. This has limited results and I usually only do it when time is a factor and for smaller spots. For bigger areas, caulk removal, cleaning and recaulking seems to be best.
by lws6772
Fri Jul 27, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9694

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

Exercise, diet and a good mental attitude. I refuse to get a "pot belly" or "act my age". 61 and still working a physically demanding job.
by lws6772
Sat Jun 09, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Tipping HVAC installers?
Replies: 22
Views: 2191

Re: Tipping HVAC installers?

Boy this topic brought back some memories. Installer used to be my 2nd job. Spending all afternoon in an attic in July(Texas) definitely broadens your scale of "hot". I remember exiting the attic to get parts and 100 degrees felt cool. Or coming home and finding the money in my wallet so wet you had...
by lws6772
Fri May 11, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5470

Re: Anyone buy carbon offsets when flying?

If I were that concerned about my carbon footprint, I wouldn't fly at all. I wouldn't drive either - I'd walk to my destination :happy Seriously, though, the plane will fly and use the fuel whether or not you are on board (unless everyone decided to cancel their reservations.) Yup, I already walk t...
by lws6772
Tue May 01, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: If you really like the CR-V, you should check out the [_____]
Replies: 89
Views: 9051

Re: If you really like the CR-V, you should check out the [_____]

theplayer11 wrote:
Mon Apr 30, 2018 6:12 pm
I wonder if those that get 4 cyl engines have only driven a 4 cyl. Serious question.
Drove v-8s for 40 years. We both drive 4 bangers now, one of which is a CR-V. Best car my wife ever owned, plus all grandpa has done(so far) is change the oil. Heck of deal. :sharebeer
by lws6772
Sat Apr 28, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Bee in the house - what to do???
Replies: 27
Views: 1663

Re: Bee in the house - what to do???

Be calm and talk the bee out. Try to unarm it but bee careful Sometimes though a bee will just not listen to reason. We once had one that wouldn't leave our house and all I did was open the back door and play his favorite singer outside and he flew out. Apparently they love the singer Sting. Who kn...
by lws6772
Thu Apr 26, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Slimline AC condenser
Replies: 4
Views: 569

Re: Slimline AC condenser

Another great website to ask this question is hvac-talk.com. They helped us decide on a system for a small house(20' x 20') we built behind our main house last fall. We ended up going with a Mitsubishi mini split, heat pump system. It has worked great so far, but this will be it's first Texas full s...
by lws6772
Thu Apr 19, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 3456

Re: Do you use Yahoo? New Privacy Terms

Deleted Yahoo 5 years ago after their 2013 breach. :annoyed
by lws6772
Sun Apr 15, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Dealing with poorly assigned hotel rooms?
Replies: 41
Views: 3638

Re: Dealing with poorly assigned hotel rooms?

We always travel with ear plugs, expensive or cheap hotel, it doesn't matter. We were at a expensive hotel on a wedding party night, our room was by the pool/banquet area, very noisy until midnight. We were in Asia and the bars/dance clubs down the street was having a great time until 2am. Always t...
by lws6772
Sat Mar 31, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 5122

Re: Tired of gas grills rusting out...

About 15-20 years ago, my friends made fun of us for spending the money for a Weber grill. They could not understand why we spend that much money on a grill. That grill is still on my porch and working perfectly well. Since then, I wonder how much my friends have spent on grills. :D We have a Char ...
by lws6772
Thu Mar 29, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 27204

Re: Anyone Deleting Facebook?

Never really understood how they generated such enormous wealth. I mean I understand the mechanism, but as a working class guy I just don't "get it". The money always seemed too easy, but that's just me. Saw an interesting quote in our local Sunday paper from the 1970s, a precept about television ba...
by lws6772
Tue Mar 06, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Should I agree to have my driving monitored in exchange for lower rates?
Replies: 65
Views: 5756

Re: Should I agree to have my driving monitored in exchange for lower rates?

Sounds good to me, but I drive like a robot, 44 years of driving and 0 speeding tickets. Also an expert at minimal braking, probably a result of changing my own brakes for the last 44 years. :moneybag
by lws6772
Sat Mar 03, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to short the equity market
Replies: 97
Views: 6550

Re: Best way to short the equity market

Tycoon wrote:
Sat Mar 03, 2018 5:27 pm
You'll shoot your eye out.
Or maybe even, "you'll short your eye out."
by lws6772
Sun Feb 25, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Dislikes Bonds
Replies: 57
Views: 7215

Re: Warren Buffet Dislikes Bonds

I've always used cd's for my bond allocation, which is probably wrong according to traditional wisdom.
by lws6772
Thu Feb 15, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 7279

Re: Work-out schedule for those in 60s

Mon thru Fri - med. to heavy physical labor 8 hrs a day, Sat - watch the grandson and LA Fitness 4 to 5 times a week.
by lws6772
Thu Feb 15, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 15234

Re: What big item (>20k) are you saving up for?

Retirement, or at least something other than medium to heavy physical labor, 20 months to go. :sharebeer
by lws6772
Mon Feb 12, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Passive Investing Best For A 'rigged Market'? [insider trading]
Replies: 13
Views: 1411

Re: Passive Investing Best For A "rigged Market'?

The Economist article is about insider trading and is viewable here: https://www.economist.com/news/finance-and-economics/21736561-one-study-suggests-insiders-profited-even-global-financial-crisis-another I edited the thread title to make this more clear. Buy the full haystack at your desired asset...
by lws6772
Mon Feb 12, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: Passive Investing Best For A 'rigged Market'? [insider trading]
Replies: 13
Views: 1411

Re: Passive Investing Best For A "rigged Market'?

The Economist article is about insider trading and is viewable here: https://www.economist.com/news/finance-and-economics/21736561-one-study-suggests-insiders-profited-even-global-financial-crisis-another I edited the thread title to make this more clear. Buy the full haystack at your desired asset...
by lws6772
Mon Feb 12, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Passive Investing Best For A 'rigged Market'? [insider trading]
Replies: 13
Views: 1411

Re: Passive Investing Best For A "rigged Market'?

Buy the full haystack at your desired asset allocation (mix of stocks and bonds). Hold on for the ride. Always good to review the 10 principles of being a Boglehead: https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy Do you think Wellington would qualify as "the full haystack" i...
by lws6772
Thu Feb 08, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6846
Views: 1496556

Re: U.S. stocks in freefall

DanMahowny wrote:
Thu Feb 08, 2018 3:47 pm
Dow 14,000 by 2019-20. Here we go.
At least somewhere below 20,000. The market is still way overpriced.
by lws6772
Thu Feb 08, 2018 3:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6846
Views: 1496556

Re: U.S. stocks in freefall

GoldenFinch wrote:
Thu Feb 08, 2018 3:45 pm
This is a tiny bit over dramatic.
Correct or should I say correction. :D
by lws6772
Fri Feb 02, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6846
Views: 1496556

Re: U.S. stocks in freefall

RRAAYY3 wrote:
Fri Feb 02, 2018 5:00 pm
Brutal; market hasn’t been this low since January 10th, 2018.

How are you guys breaking the news to loved ones?
We're actually celebrating, 13 years ago this week doctors were sawing my sternum in half. Just glad to be alive to see a little market drop. :sharebeer
by lws6772
Fri Feb 02, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 87
Views: 8880

Re: Alan Greenspan says there are bubbles in both stocks and bonds

Lots of people on here smarter than me, but when Mr. Buffet says buying bonds is like buying stocks with a 50 pe, when Mr. Gross says he is shorting Treasuries, and Mr. Greenspan says stocks and bonds are bubbles, I at least pause. Many things have happened in the pas 10 yrs that have never happene...
by lws6772
Sun Jan 14, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 16075

Re: What is the best home exercise equipment?

For me it's been a shovel and a hoe, at least for the last 50 years. :D
by lws6772
Fri Jan 12, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: 0W-20 Synthetic Motor Oil
Replies: 58
Views: 7609

Re:

:D Suggestion, I changed oil for a decade. Running a repair shop. I mix 1 qt synthetic with standard 5-20W. Yes, I mix, how horrid. :evil: I'm also into a few core indexes, a few managed LT sectors, and IMO beaten down single equities. The station I have now charges 20bucks. >shrug< Shuts off the '...
by lws6772
Mon Jan 08, 2018 11:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft at 58,000 posts!
Replies: 36
Views: 3824

Re: Livesoft at 58,000 posts!

That's a lot of posts. If I post ever single day from now forward, at 58,000 posts it will be 157 years from now, year 2175 and I will be 217 yrs. old. That doesn't look right, but I've checked it 3 times.
by lws6772
Tue Dec 12, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Paying contractors for incomplete work
Replies: 32
Views: 2903

Re: Paying contractors for incomplete work

These kind of headaches are part of non DIY life. Pretty much anything involving a toilet should be "you get paid when its fixed" type of payment because its so stupid easy for a plumber. In the time you spend reading these replies you could google how to fix it yourself. Saw a guy in Walmart one d...
by lws6772
Wed Dec 06, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 81
Views: 28874

Re: Fidelity charges to close accounts!

One of the reasons I've yet to open an account with Fidelity.
by lws6772
Tue Nov 21, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 31426

Re: Why not take Social Security at 62

People with modest retirement savings should probably take SS whenever they stop full-time work, whether 62 or some years later. This helps maintain their lifestyle. People with "large" tax-sheltered accumulations should delay SS to age 70 to give them time to spend down some of the tax-deferred ac...
by lws6772
Mon Nov 06, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: New York restaurants suggestions?
Replies: 18
Views: 2032

Re: New York restaurants suggestions?

Thanks very much to everyone for your suggestions. A few of the places we ate at included Luke's Lobster, Mile End, Dough and Hale and Hearty(good chicken pot pie). We also ate at a place inside Macy's, Stella 34, good pizza and a good view of the Empire State Bldg. All the local folks I spoke with ...
by lws6772
Sun Oct 22, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: New York restaurants suggestions?
Replies: 18
Views: 2032

Re: New York restaurants suggestions?

Agreed we need to know area/cuisine/budget but I'll throw out ideas in any event. Gramercy Tavern Uncle Boons Cosme Oiji NoMAD Boulud Sud Sakagura Lilia Estela Upland You will find something you like among these. None are inexpensive but some aren't entirely astronomical. There are others that are ...
by lws6772
Sun Oct 22, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: New York restaurants suggestions?
Replies: 18
Views: 2032

New York restaurants suggestions?

Looking for some good NYC food, never been, there next weekend. Will be an Manhattan and maybe Brooklyn. We like all kinds of food.Thanks very much for any suggestions as to your favorite places.
by lws6772
Sun Oct 22, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: 100% Stocks?
Replies: 7
Views: 1056

Re: 100% Stocks?

"Markets move when other investors believe they know what other investors are thinking" - Robert J. Shiller - Nobel Memorial Prize in Economic Sciences 2013.
by lws6772
Thu Oct 05, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 362
Views: 46900

Re: MoviePass-Too good to be true, but it's legit.

Can you buy your ticket BEFORE you get to the theater? Our problem is when we show up(early albeit even) at the theater to buy tickets(in person) many times they are sold out or only marginal seats are left(if any at all) now that everything is "online".
by lws6772
Thu Oct 05, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 393
Views: 67779

Re: Retirement Account Stolen by Identity theft

I was wondering when they would start stealing retirement accounts. My concern was also getting stuck with a big tax bill and the 10% penalty for those under 59 1/2. My wife froze our credit several years ago and I moved all my IRAs "offline" several years before that.
by lws6772
Mon Sep 18, 2017 6:06 pm
Forum: Investing - Theory, News & General
Topic: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"
Replies: 33
Views: 5819

Re: "Goldman's Bear Market Indicator Shows Crash Dead Ahead"

Several weeks ago I was made aware of a little known indicator that preceded the 2008 downturn and that same indicator has been happening again, albeit not quite at it's 2008 level. It will be interesting to see if it holds true this again.
by lws6772
Tue Sep 12, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 63
Views: 6202

Re: What money to store outside for disaster?

I foresee needing cash to "trade" things with neighbors, not stores. In our neighborhood, I am sure everyone would help everyone else out for free. Or at least people would settle up later. Has anyone had to pay their neighbor during a disaster? It sounds pathetic. Not this Texan, disaster or NON d...
by lws6772
Sun Sep 03, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: Why can't the future of stocks be predicted
Replies: 61
Views: 4855

Re: Why can't the future of stocks be predicted

Too many variables and it would also cause the thread to be locked.
by lws6772
Sun Aug 27, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: E. F. Hutton
Replies: 2
Views: 604

E. F. Hutton

My wife revealed an interesting comment to me last week. She works in the computer field and said that the software and hardware salesmen were very aggressive right now. She said the last time she noticed this aggressiveness was right before the 2008 downturn, when they were even more aggressive tha...
by lws6772
Sun Aug 13, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Should I buy a paint sprayer?
Replies: 10
Views: 1517

Re: Should I buy a paint sprayer?

The last time our house was painted, I watched the painters and how they did the work with sprayers. I have a big detached garage (24x36) that I excluded from the paint work. Once they were done, I used my roll around sears compressor with the included junk sprayer. It worked 1000% better than any ...
by lws6772
Sat Aug 05, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 70
Views: 97754

Re: Opticians: is there any difference in quality of Costco glasses?

I got tired of paying $300 to $400 for glasses years ago so went to buying them online for the last decade never paying more than about $80 a pair with all the options that I wanted. Three weeks ago, I went to the local optometrist (private non-chain store) to get an updated prescription with full ...