Search found 1696 matches

by neilpilot
Tue Jul 17, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring money from Canada - Wait for exchange rate to improve?
Replies: 11
Views: 376

Re: Transferring money from Canada - Wait for exchange rate to improve?

Looking for currency exchange rate improvement is another version of market timing. Not something we Bogleheads normally endorse.

However, exchange fees can vary significantly so pick your service wisely. There have been recent threads that reference options.
by neilpilot
Mon Jul 16, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1044
Views: 184540

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Those are both higher than what they offer on their website. I wonder if calling pays as I am going to transfer funds to eTrade (for the sole purpose of a bonus). Did they say if that was applicable to all account types (IRA)? I've noticed some of the best offers out there exclude IRAs. I have one ...
by neilpilot
Sat Jul 14, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1044
Views: 184540

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I opened an account with ME for one of their $1000 for 200K bonuses in Jan 2018. I thought the bonus would pay out at the end of 180 days, but actually the terms indicate 2 weeks after funding (180 days is just the period you have to retain the bonuses). I have a vague memory that the last time I g...
by neilpilot
Sat Jul 14, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Living Revocable Trust - conveyance of assets
Replies: 11
Views: 766

Re: Living Revocable Trust - conveyance of assets

Assuming you have a title insurance policy that was issued in your name(s) on purchase of the property, does this also need to be revised to indicate a trust?
by neilpilot
Sat Jul 14, 2018 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 40
Views: 3499

Re: Filing Restricted SS Application -next step

So filed online, seems simple enough- just received Form OMB No. 096-0009 Marriage Centification in the mail for my wife to fill out. It asks for her previous marriages, but she has none. And it looks like we "do not" have to file a copy of the marriage certiicicate. Would it be a good idea to atta...
by neilpilot
Fri Jul 13, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103919

Re: To take or not to take delivery of Tesla 3

I'm trying to ascertain but can't quite understand based on his many many many many posts in this thread: is it DanMahowny's position that one should NOT take delivery of a Tesla 3? Please help. Thank you. I think old DM is trying to get as many of us as possible to cancel our reservations and orde...
by neilpilot
Fri Jul 13, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 26294

Re: free dinner investing seminar

Just like free vacations with a condo pitch, I avoid these like the plague, even getting removed from future mailings and asking the source from where they got my name. AARP, which we do not belong to, will rent your name to anyone. If you belong, ask to be marked Do Not Rent. Reputable mailers use...
by neilpilot
Thu Jul 12, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA - Medicare Premium adj - how get SS to look at current year?
Replies: 27
Views: 2531

Re: IRMAA - Medicare Premium adj - how get SS to look at current year?

When I filed my successful IRMAA appeal in Nov17 I included my MAGI estimates for TY2017 and TY2018. The SSA asked me to send them a copy of my TY2017 return when I submitted it earlier this year. I have no idea if they will ask me for TY2018 return early next year.
by neilpilot
Thu Jul 12, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 3768

Re: Flooring for New House

I know I'm late to the party, but just wanted to add a few things. I have hardwood floors. I get sun fading, dents, cracks, and scratches too. It isn't just an LVP problem. It takes a long time for a scratch to become "character" and in the mean time, you are staring at a jagged scratch in your flo...
by neilpilot
Thu Jul 12, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 3768

Re: Flooring for New House

I know I'm late to the party, but just wanted to add a few things. I have hardwood floors. I get sun fading, dents, cracks, and scratches too. It isn't just an LVP problem. It takes a long time for a scratch to become "character" and in the mean time, you are staring at a jagged scratch in your flo...
by neilpilot
Wed Jul 11, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 26294

Re: free dinner investing seminar

averagedude wrote:
Wed Jul 11, 2018 9:40 pm
Ive always heard these dinners are at decent restraunts, but they always serve rubber chickens. The food is about as bad as the products they are selling.
Not my experience
by neilpilot
Wed Jul 11, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 26
Views: 2088

Re: Prepaid cell phone plan vs Regular Contract Plan

If you live in a Wi-fi zone for most of the day and don't need a data plan, T-mobile has a $3/month plan for 30 calls or texts. Every call/text past that is 10 cents. Works for me and my kids, but we all "live" in Wi-fi areas most of the day, so no data is needed. My kids also use Google Voice for ...
by neilpilot
Wed Jul 11, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: I Now Have a Revocable Trust and Have Questions
Replies: 14
Views: 1413

Re: I Now Have a Revocable Trust and Have Questions

afan wrote:
Wed Jul 11, 2018 2:42 pm

For those reasons I don't think keeping what you have would be a good idea. I suggest you find a real estate expert and get a proper plan.
I wouldn't trust my real estate attorney with drafting a revocable trust.
by neilpilot
Wed Jul 11, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 2048

Re: Replace water heater at end of warranty or repair?

Nothing lasts forever. I've yet to have anyone tell me they flush their WH annually or ever. Unless it is a bad thermocouple that can be replaced there is not much that can be repaired on a WH. Unless you don't mind waking up to a cold shower some morning, replace it. Interesting observation. I had...
by neilpilot
Wed Jul 11, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: Should I contact GMC about A/C issues?
Replies: 42
Views: 1900

Re: Should I contact GMC about A/C issues?

munemaker wrote:
Tue Jul 10, 2018 10:15 pm
When it comes to quality, Honda is light years ahead of GM
Tell that to CRV owners with gas diluted oil.
by neilpilot
Wed Jul 11, 2018 5:48 am
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 2048

Re: Replace water heater at end of warranty or repair?

There have been several posts here about anode replacement. If you have limited clearance above the water heater, you will need a segmented replacement anode. Max price should be less than $30 from Amazon. It may be necessary to cut the old rod into pieces as you take it out, or you may be able to ...
by neilpilot
Tue Jul 10, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: RMD + Federal taxes
Replies: 19
Views: 1452

Re: RMD + Federal taxes

I know that I can indicate zero withholding, however, my question then was: Is it ok to pay the income tax in March when I file my federal income taxes or will I be penalized by the IRS because it is too late? Do I have any other options? Almost there I would say that, if you won't otherwise meet s...
by neilpilot
Tue Jul 10, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car, and my insurance is ripping me off!
Replies: 37
Views: 2847

Re: Rodents ate my car, and my insurance is ripping me off!

I have Allstate Insurance. When my car was damaged by a tree limb that fell on it, the damage was covered by the comprehensive coverage I carried on the car. There was no deductible; Allstate covered 100%. Just to clarify you comment, does your policy statement say $0 deductible on your comp covera...
by neilpilot
Tue Jul 10, 2018 2:11 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1044
Views: 184540

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

we received ME bonus six months to the day. Good to know. One month from now our 2 accounts should receive the bonus $. A few days later the ME accounts will be transferred back to TDA. We opened the ME accounts on a trial basis, just prior to TDA acquiring Scottrade, in case we disliked TDA. Howev...
by neilpilot
Tue Jul 10, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Surge protector for new refrigerator?
Replies: 10
Views: 703

Re: Surge protector for new refrigerator?

Per the electrician who installed our electrical panel, large appliances can be protected by a surge protector that is installed on the electrical panel if you have a panel supporting it. When there is a power failure, the surge when power is restored can take out the motherboard of a refrigerator....
by neilpilot
Tue Jul 10, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Issue (Cold Freezer-Warm Fridge)
Replies: 11
Views: 580

Re: Refrigerator Issue (Cold Freezer-Warm Fridge)

Very high likelihood that this is either your defrost timer, defrost thermostat, or defrost heating element needing replacement. If it was the circulation fan, the compressor would still turn off when the freezer went into defrost mode. On older GE model refrigerators,the defrost timer is like a $1...
by neilpilot
Tue Jul 10, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 2048

Re: Replace water heater at end of warranty or repair?

So your tank has been in service for 6 years.....have you periodically drained some water out the bottom?
by neilpilot
Tue Jul 10, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12850

Re: What are your property taxes?

Illinois is truly an outlier on property taxes. We have a friend that lives in Glencoe (North suburb of Chicago) in a beautiful home on the lakeshore. Taxes were $144,000/year a couple of years ago. Outrageous. This home, based on Cook Co tax rates, is likely assessed just over $7M. Maybe outrageou...
by neilpilot
Tue Jul 10, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12850

Re: What are your property taxes?

Illinois is truly an outlier on property taxes. We have a friend that lives in Glencoe (North suburb of Chicago) in a beautiful home on the lakeshore. Taxes were $144,000/year a couple of years ago. Outrageous. This home, based on Cook Co tax rates, is likely assessed just over $7M. Maybe outrageou...
by neilpilot
Tue Jul 10, 2018 6:02 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 4979

Re: Where do you keep your Emergency Fund?

If I felt the need to have an EF with a significant amount of cash, I'd use an online bank MM fund or a no penalty CD at Ally. However, I don't maintain a separate EF since I consider my taxable retirement account assets sufficiently liquid.
by neilpilot
Mon Jul 09, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Issue (Cold Freezer-Warm Fridge)
Replies: 11
Views: 580

Re: Refrigerator Issue (Cold Freezer-Warm Fridge)

I had the exact same problem with a Kenmore Refrigerator, the fan that draws air from the freezer section and cools the refrigerator section had stopped rotating. Internet search of your model should provide location of fan. Yep. I believe it's called a mixing fan. Mine is at the top of the refrige...
by neilpilot
Mon Jul 09, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Issue (Cold Freezer-Warm Fridge)
Replies: 11
Views: 580

Re: Refrigerator Issue (Cold Freezer-Warm Fridge)

A cold freezer & warm refrigerator section is very often a sign that the auto-defrost function isn't working. However you indicated that the refrigerator was off for a week and the problem was evident on startup. If it was the defrost, then in a week the ice buildup on the evaporator coils would hav...
by neilpilot
Sun Jul 08, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Quality/speed of Xfinity Mobile hotspots
Replies: 3
Views: 245

Re: Quality/speed of Xfinity Mobile hotspots

We have used Xfinity mobile for for the past 10 months after switch from AT&T, and I can say that our service is as good or better at less than a third the price of AT&T. However, we use little data, with Xfinity monthly bills of $5.60-$17 for both lines including all taxes and fees. Our particular ...
by neilpilot
Sun Jul 08, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5359

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

"The problem is that brake fluid absorbs moisture over time and in extreme braking conditions can lead to boiling in the brake caliper and loss of pressure in the brake system. It is valid safety concern." This is absolutely true and has been that way forever. Most all use the same type of fluid an...
by neilpilot
Sat Jul 07, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Question on best discount brokage firm
Replies: 7
Views: 624

Re: Question on best discount brokage firm

Yes I didn’t like that they removed Vanguard. I was absorbed into TDA with their purchase of Scottrade. But I recently moved in additional funds to get a $650 bonus and free trades for two years! And thereafter trades will be $4.45 forever. After the two years is up I’ll see what I can get elsewher...
by neilpilot
Sat Jul 07, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Ultrasonic pest repellent - do they work?
Replies: 6
Views: 696

Re: Ultrasonic pest repellent - do they work?

Works for rodents, like mice & rats. Not for ants or other insects, and definietly not for snakes.
by neilpilot
Sat Jul 07, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4305

Re: Which advanced tech is necessary in cars?

My vehicle has lap belts. I am seriously thinking of upgrading to retractable 3 point belts. :happy I would rather not rely on technology to drive. My 64 had only lap belts. When I bought it in 1998 I added shoulder belts to the front seats, and I totaled it in 2012. I'm very confident the shoulder...
by neilpilot
Sat Jul 07, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19262

Re: Replace car battery after X years or wait till it dies?

Help me to understand what you mean by "cell reversal". I fully understand how internal damage can short one or more of the 6 cells in the typical 12v auto battery, but have no idea what you mean by "cell reversal". Can you possibly link to a reference that actually describes such an incident? Brie...
by neilpilot
Sat Jul 07, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19262

Re: Replace car battery after X years or wait till it dies?

I only replace car battery when it is dead. But I always have battery jumper, which is the insurance, in my car. If you ever have the battery discharge completely and a couple of the cells reverse polarity, this won't help you. You'll be able to start the car, and it will die the second you unclip ...
by neilpilot
Fri Jul 06, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 162
Views: 19262

Re: Replace car battery after X years or wait till it dies?

I learned my lesson last week. I forgot about my battery. It's the original put into use in Fall 2008. On July 1 of 2018 (after 10 years of use) after getting off the freeway and approaching my destination all power went out: the car engine died, along with power steering, etc. (I am really happy t...
by neilpilot
Fri Jul 06, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Repair car, new or rent for cross country trip
Replies: 13
Views: 676

Re: Repair car, new or rent for cross country trip

Family trip planned for a month. Will fly to SF drive up west coast and across northern USA with wife and kids. Took 2013 Honda Odyssey to dealer for scheduled service and need a few minor repairs but three wheel rims are bent. Anyone know if it is safe to drive with bent rims? Does it make sense t...
by neilpilot
Fri Jul 06, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 126
Views: 8688

Re: What I spent in 6 months on medicare

I am in my early 70's - and I just reviewed what I spent on Medical costs under Medicare. While this is anecdotal - it is an example of my low costs (so far at least). Medicare Part B - $134/month - 6 months = $804 Medicare (Kaiser) plan premiums $30/month - 6 months = $180 My approximate prescript...
by neilpilot
Wed Jul 04, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Excess Roth IRA conversion resulting MAGI over 170K
Replies: 27
Views: 2179

Re: Excess Roth IRA conversion resulting MAGI over 170K

I believe that IRMAA is reasonably small potatoes compared to the potential savings on taxes on tIRA RMDs due to Roth conversions. Please correct me if I am wrong. I am planning getting myself into IRMAA territory by doing Roth conversions in the near future so I'll be crunching the numbers. I thin...
by neilpilot
Tue Jul 03, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3296

Re: How do I fix my heating bill?

If you have a heat pump and it is working, I'm curious why you would be running electric baseboard heat too. The electric baseboard heat is going to use a LOT of electricity to operate, especially if you have it in multiple rooms. The heat pump is going to be far more efficient than the baseboard h...
by neilpilot
Tue Jul 03, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Repair Vehicle or Move On?
Replies: 22
Views: 1493

Re: Repair Vehicle or Move On?

On a commute home as I was about a mile from home the temp gauge soared up. I was able to get home. No white smoke, the car ran all the way home. It was very, very, hot under the hood but no smoke. I let it cool, filled the coolant reservoir and drove to work the next day. Same thing happened. I im...
by neilpilot
Tue Jul 03, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Closing Thursday but new house wall damaged by seller’s mover
Replies: 16
Views: 2356

Re: Closing Thursday but new house wall damaged by seller’s mover

Since this is likely minor damage, simply ask for a small $ amount held in escrow at closing to cover repairs. If you ask for $500, and it costs you say $150, then the remaining $350 eventually is released to the seller.
by neilpilot
Tue Jul 03, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15168

Re: Retirement Destination - are you happy with your choice?

I think the DC summers are always too hot, and the winters are often too cold, and sometimes too snowy. The spring and fall are usually pretty decent. This description probably describes the entire Mid Atlantic region and much of the Mid West. I find this comment typical. I've lived in a half dozen...
by neilpilot
Tue Jul 03, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Acura MDX compressor gone kaput
Replies: 5
Views: 475

Re: Acura MDX compressor gone kaput

Your A/C compressor has an electric clutch. Assuming the clutch is operational, just pull the clutch relay, which should essentially set the compressor to spin freely and should avoid further compressor drag and damage. No need to remove the compressor from the drive belt. OTOH if your A/C clutch is...
by neilpilot
Tue Jul 03, 2018 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Excess Roth IRA conversion resulting MAGI over 170K
Replies: 27
Views: 2179

Re: Excess Roth IRA conversion resulting MAGI over 170K

As others have said, unless you can document a life changing event that meets SSA's criteria, you have no basis for an appeal.
by neilpilot
Mon Jul 02, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge account: I have 3-fund portfolios in Vanguard, what can Merrill Edge add?
Replies: 11
Views: 954

Re: Merrill Edge account: I have 3-fund portfolios in Vanguard, what can Merrill Edge add?

I moved a portion of my assets from Scottrade to ME at start of the year, to evaluate ME as an alternative to TDA. I’m now about to collect the $2k bonus from ME, leave ME and move those assets back into my TDA accounts. ME does offer sufficient free trades and a decent new customer bonus. However I...
by neilpilot
Mon Jul 02, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12850

Re: What are your property taxes?

~$1770 on 300k home, 2450 sq ft Sales tax: 9.25% TN income tax: 0% I prefer the state getting their share from the consumption side rather than the income or property ones! does sales tax exempt food or gas? I does not in TN. Food is at regular tax rate. Gas has “special privilege tax” of $0.01 per...
by neilpilot
Mon Jul 02, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12850

Re: What are your property taxes?

$8k on $550k, 4850 ft2 home

Sales tax: 9.25%
TN income tax: $750 (on investment dividend income)
by neilpilot
Mon Jul 02, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Retirees- How hard is it to dial spending down/up?
Replies: 38
Views: 2695

Re: Retirees- How hard is it to dial spending down/up?

Since I've only been retired since 2016, I can't directly answer your question. However your assumption of a required 40% spending drop is somewhat presumptuous in that it apparently assumes that a retirees income is based totally on a percentage of their invested assets. I'd speculate that the vast...
by neilpilot
Sun Jul 01, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12850

Re: What are your property taxes?

I rent, so property taxes = $0. A bit like saying "my monthly mortgage payment includes an escrow payment that covers tax and insurance so my property tax = $0" Except in one scenario the property taxes are paid by me, and the other they are not. Pretty much the same though. This thread seems kind ...
by neilpilot
Sun Jul 01, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12850

Re: What are your property taxes?

Olemiss540 wrote:
Sun Jul 01, 2018 7:31 am
I rent, so property taxes = $0.
A bit like saying "my monthly mortgage payment includes an escrow payment that covers tax and insurance so my property tax = $0"