Search found 650 matches

by BHUser27
Sun Jun 23, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Outdoor vs Indoor HD antenna
Replies: 31
Views: 1514

Re: Outdoor vs Indoor HD antenna

It is important to know how far and in what direction the various transmit towers are from your receive location. There are several websites like the one mentioned above that will do this for you. We have steel siding and cannot even get FM radio in the house, let alone TV, so we *had* to use an ext...
by BHUser27
Sun Jun 23, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4823

Re: Radon levels in home

A little off subject. My house is 15 years old and has a passive Radon mitigation system (no fan) connected to the sump. When the house was built the radon level was 1 and now it is 3.9. I plan on adding a passive mitigation fan to the 3 inch PVC pipe in the attic. My question is how do you determi...
by BHUser27
Sun Jun 23, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4570

Re: Anyone moved cross country. How did you manage to do it without going nuts??

I didn't see this mentioned. When I was younger, my folks moved us from SoCal to Houston, back to SoCal, then to Ohio, then back to SoCal. 1) They packed everything except some essentials for us to live from. 2) Dad (Mom didn't work) went first, got a rental large enough for the family and settled i...
by BHUser27
Sat Mar 02, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 10172

Re: How do YOU make coffee?

French press w/ Illy coffee.

Image
by BHUser27
Sun Feb 03, 2019 7:19 am
Forum: Personal Finance (Not Investing)
Topic: IRA Strategy (Sanity) Check
Replies: 5
Views: 489

Re: IRA Strategy (Sanity) Check

I'm not an expert but if you make a deductible t-IRA contribution, you have a zero tax basis in the t-IRA and no form 8606 is required (a tax basis in an IRA comes from making non-deductible contributions). Since you previously did backdoor Roths but have now had no t-IRA balance for some time, it ...
by BHUser27
Sun Feb 03, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: IRA Strategy (Sanity) Check
Replies: 5
Views: 489

Re: IRA Strategy (Sanity) Check

I'm not clear on a few things. Did your retired DW have earned income in 2018? Or are you talking about a spousal contribution? When you say "and also make maximum direct Roth-IRA contributions from our taxable brokerage account" do you just mean the remaining $5000 space in your IRA? When you say ...
by BHUser27
Sat Feb 02, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Strategy (Sanity) Check
Replies: 5
Views: 489

IRA Strategy (Sanity) Check

Greetings - DW is 65 and retired. I am 55 and work full time, but in 2017 shifted careers to a position with fewer hours, less stress, and lower salary. We are in 22% bracket this year. In prior years we did not qualify for any deductible Trad-IRA nor for direct Roth-IRA contributions, so we always ...
by BHUser27
Thu Jan 31, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 155
Views: 11789

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

Have had a dog door into the backyard for our White Westie for 11yrs without a single problem. If you have a good privacy fence and a lockable gate, doggie door is a good way to go. If you are worried about giving access to all the yard, I have seen some put up a chain-link fence around a smaller "s...
by BHUser27
Wed Jan 23, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: P-Trap and plumber woes
Replies: 37
Views: 2591

Re: P-Trap and plumber woes

Do you have plastic washers on all fittings like in the attached picture? Some traps do not have a washer on the lower connection (the one that is leaking) and that is OK as long as the mating pieces are free of cracks and/or nicks. Make sure the washers aren't split or nicked. The problem you are h...
by BHUser27
Sat Jan 19, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 15031

Re: How much money did you receive from family? (Gifts/inheritance)

My parents paid university tuition and living expenses for me to get my degree. My DW and I have/will receive no inheritance from either of our families (they have no savings to speak of). DW and I paid for higher education for both our sons. If all goes to plan, we will spend most of what we have s...
by BHUser27
Wed Jan 16, 2019 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Govt contractors what would you do
Replies: 7
Views: 1143

Re: Govt contractors what would you do

Here is an example of how my employer is handling it: I work for a large engineering contractor to NASA & USGS. We accrue our PTO per pay period as the calendar year progresses. Employer approved charging up to -80 hrs PTO when shutdown started. This allowed us to keep getting paychecks even if we h...
by BHUser27
Tue Jan 15, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Message from United Consumer Financial Services (UCFS). A Scam?
Replies: 10
Views: 903

Re: Message from United Consumer Financial Services (UCFS). A Scam?

OP here. The e-mail message contains NO specific information regarding the supposed purchase, the merchant, the due date, an account number, or the amount owed. We have certainty that our only consumer debt is the aforementioned car loan and the GreenSky financing for replacement windows. BHUser27 ...
by BHUser27
Tue Jan 15, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: Message from United Consumer Financial Services (UCFS). A Scam?
Replies: 10
Views: 903

Re: Message from United Consumer Financial Services (UCFS). A Scam?

UCFS is a legitimate company providing consumer financing of purchases through various merchants. Some of their products are same-as-cash type loans as long as paid off by a certain date. They provide services for Hearing Aid, and Funeral financing (for example). Whether the email is legit or not, I...
by BHUser27
Fri Dec 07, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Streaming over-the-air TV on a laptop
Replies: 17
Views: 1411

Re: Streaming over-the-air TV on a laptop

This isn't exactly what OP asked, but Tablo will stream channels from your antenna to Roku, PC, Smart TV, phone etc.
https://www.tablotv.com/
by BHUser27
Thu Nov 08, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7246

Re: Best deals to buy iphones

FWIW - Sam's Club is having a one-day event this Saturday November 10th. iPhone X, XS, XS Max and XR purchases will get up to $300 Sam's Club gift card (depending on carrier). Read the fine print on their add, but I believe the $300 gift card rebate will apply to upgrades as well as new lines. http...
by BHUser27
Wed Nov 07, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7246

Re: Best deals to buy iphones

FWIW - Sam's Club is having a one-day event this Saturday November 10th. iPhone X, XS, XS Max and XR purchases will get up to $300 Sam's Club gift card (depending on carrier). Read the fine print on their add, but I believe the $300 gift card rebate will apply to upgrades as well as new lines. https...
by BHUser27
Sun Sep 30, 2018 3:49 pm
Forum: Personal Investments
Topic: Portfoio Visualizer
Replies: 5
Views: 573

Re: Portfoio Visualizer

I find your post quite confusing. You describe a single amount X being withdrawn after 30 yrs but you refer to a monthly amount X in your first question. Can you provide the exact fund tickers you used and clarify the amount X you withdrew? Or perhaps provide a link to your exact configured scenario...
by BHUser27
Sun Jul 01, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 117
Views: 16757

Re: Google sheets not pulling stock prices

Is there a way I can scrape the M* page for the price of VMMXX and use that instead of Google finance? And if so, what would the formula be? The URL to the data you need is: http://quotes.morningstar.com/fund/c-header?t=VMMXX However, I haven't figured out how to parse out the Nav Price using index...
by BHUser27
Wed Jun 20, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Article on hotel booking sites - no bargains
Replies: 38
Views: 4490

Re: Article on hotel booking sites - no bargains

1) Check best price booking direct from Hotel's website.
2) Call the front desk using the local area-code number (not corporate 800 number) during non-busy hour of the day
3) See if they can offer help getting best booking price.
by BHUser27
Wed May 30, 2018 5:43 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 10658

Re: Router hack, have you acted?

PC Magazine has a list of affected routers in their article. https://www.pcmag.com/news/361431/is-your-router-vulnerable-to-vpnfilter-malware I just checked and Netgear had new firmware available for my router, so I updated. Linksys E1200 Linksys E2500 Linksys WRVS4400N Mikrotik RouterOS for Cloud C...
by BHUser27
Tue May 29, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to buy brokered CDs today?
Replies: 7
Views: 1007

Re: Anyone try to buy brokered CDs today?

For what its worth, I just logged into my Schwab PCRA and see many CDs available at all maturities.
by BHUser27
Fri Apr 13, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 8397

Re: Could you support family on 1 income?

You'd be surprised what you can do when you *have* to. Went from 2 incomes to 1 when DW had to be on bed rest for 4 mos due to complicated pregnancy. Took many steps to reduce recurring expenses. Turned in two new (leased) cars and bought two used beaters for cash. Cancelled landline phone and cable...
by BHUser27
Fri Mar 02, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.
Replies: 37
Views: 3330

Re: PC Guy. Inherited a Mid-2012 MacBook Pro ($500 value). Talk me into/out of keeping it.

Reasons to keep the MBP: You prefer keys to touchscreen (if so, sell the tablet and keep the MBP) The MBP integrates better into the Apple eco-system (ITunes, call and message auto-transfers from iphone to MBP, etc) The MBP has more compute power than the tablet and can run more apps/programs (you a...
by BHUser27
Wed Feb 28, 2018 6:41 am
Forum: Personal Investments
Topic: backdoor Roth blunder
Replies: 8
Views: 967

Re: backdoor Roth blunter

You should not have to pay a 10% penalty if you do a direct transfer from SEP IRA to Roth IRA, but you *might* have to pay income tax on the money withdrawn from SEP if it was contributed "pre-tax" originally. Here are a few references: https://www.investopedia.com/ask/answers/03/110803.asp https://...
by BHUser27
Tue Feb 27, 2018 8:44 pm
Forum: Investing - Theory, News & General
Topic: Boglehead contradiction, constant asset allocation is market timing
Replies: 100
Views: 10491

Re: Boglehead contradiction, constant asset allocation is market timing

Thanks for the useful links. I hadn't found that wiki page yet. It states that " rebalancing ensures that investors "Buy Low" and "Sell High"." That statement is an over simplification at best, and not true at worst. Rebalancing ensures that you are... 1) selling some of the portfolio products that...
by BHUser27
Sun Feb 25, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block software problem
Replies: 16
Views: 3578

Re: H&R Block software problem

Thanks for the tip.
For clarity, was this the on-line version or the one you install on your local PC?
by BHUser27
Thu Feb 22, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 5763

Re: Any Creative Ways to Cut the Cable?

I guess a "creative" way to cut cable would be to cancel both cable and internet, then read the paper, listen to radio, and/or watch cheap DVDs (or better yet, VHS tapes - you can still buy them at the pawn shop in our town)
:sharebeer
by BHUser27
Wed Feb 21, 2018 7:51 pm
Forum: Personal Investments
Topic: Basic Question PCRA Sweep Account
Replies: 3
Views: 365

Re: Basic Question PCRA Sweep Account

Understood.
Thanks for the quick and thorough replies.
by BHUser27
Wed Feb 21, 2018 7:31 pm
Forum: Personal Investments
Topic: Basic Question PCRA Sweep Account
Replies: 3
Views: 365

Basic Question PCRA Sweep Account

Greetings, I recently started a new job and have a Schwab 401K with Personal Choice Retirement Account option (brokerage window). I noticed the PCRA has several options for the sweep/cash account, some are listed as "taxable" and some "non-taxable" savings and money market accounts. Since this is a ...
by BHUser27
Thu Feb 15, 2018 3:03 pm
Forum: Personal Investments
Topic: TIRA Partial Deduction & Backdoor Roth
Replies: 4
Views: 407

Re: TIRA Partial Deduction & Backdoor Roth

@Alan .S - Thanks much. This makes sense.
I am only working half time now, so income will remain below thresholds on-going.
Regardless, I will noodle through best way to divvy the contributions, now that I understand the flexibility of timing the deduction/income.

Thanks again
by BHUser27
Thu Feb 15, 2018 12:35 pm
Forum: Personal Investments
Topic: TIRA Partial Deduction & Backdoor Roth
Replies: 4
Views: 407

Re: TIRA Partial Deduction & Backdoor Roth

Doh! :oops: Thanks ivk5. Yes, DW's 6500 deductible TIRA contribution in 2017 will come back as a taxable conversion in 2018. So, pay me now or pay me later. I guess the third option would be to make the deductible contribution to her TIRA and stop doing her Roth conversions with the hope by the time...
by BHUser27
Thu Feb 15, 2018 6:45 am
Forum: Personal Investments
Topic: TIRA Partial Deduction & Backdoor Roth
Replies: 4
Views: 407

TIRA Partial Deduction & Backdoor Roth

Question regarding TIRA and RIRA, for our 2017 income tax filing... I am 54 yrs and DW is 64 yrs Married filing jointly I am covered by retirement plan at work, DW is retired We historically have had income above TIRA deduction limits and above RIRA limit, so do BD Roth every year. Last year, betwee...
by BHUser27
Sun Feb 11, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124461

Re: U.S. stocks in freefall

I would caution that stocks are cheaper and not necessarily cheap. These are not "mortgage the house and buy stocks" kind of valuations. My guess is that forward P/E ratios have come down from about 22 to 20. Historically, the average is about 16 or 17. John Bogle believes we will likely see P/E co...
by BHUser27
Sat Feb 10, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help - why do I owe so much in taxes this year
Replies: 17
Views: 4997

Re: Help - why do I owe so much in taxes this year

OP - I think you are asking why the *amount withheld from your paycheck* changed, even though you did not change the *selections on form W-4* you submitted to your payroll department - correct? Your payroll dept uses your W-4 to calculate withheld amounts based on guidelines from the IRS. If those g...
by BHUser27
Sat Feb 10, 2018 2:47 pm
Forum: Personal Investments
Topic: Wellesley Income performance
Replies: 16
Views: 3980

Re: Wellesley Income performance

Well, first of all, Wellesley is not an SP500 index fund, so I wouldn't expect it to behave like the SP500. What about the bonds Wellesley holds? This chart shows VWINX (VG Wellesley Investors Shares) and SPX VWINX did not drop as far as SPX during the recent correction, but it had not risen as much...
by BHUser27
Sun Jan 21, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 93
Views: 11630

Re: Where do you keep your emergency fund?

Ally 11-month no-penalty CD's at 1.75% (I got in on the promo)
by BHUser27
Thu Jan 11, 2018 5:48 pm
Forum: Personal Investments
Topic: Pay off 6.5% Student Loan or Invest
Replies: 22
Views: 2017

Re: Pay off 6.5% Student Loan or Invest

PaulAtreides wrote:
Thu Jan 11, 2018 5:19 pm
Thanks everyone for your valuable insights. You have convinced me that paying loan off is the better route. I just want to get rid of it and focus on long term savings.
or you could buy a new stillsuit instead :D
by BHUser27
Thu Jan 11, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 10716

Re: Kodakcoin

"Utilising blockchain technology, the KodakOne platform will create an encrypted, digital ledger of rights ownership for photographers to register both new and archive work that they can then license within the platform ," Kodak explained. I am amazed at how much mis-information there is in this thr...
by BHUser27
Wed Jan 10, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 88
Views: 10227

Re: Men's no iron dress shirt recommendations

I am tall and lean and have trouble getting the right sleeve length without a lot of loose shirt in the body area so I tend to stick to what fits when I find it. I have been very happy with the Jos Banks "Traveller" dress shirts. These are the only dress shirt I wear to work any more. I subscribe to...
by BHUser27
Sat Jan 06, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 12057

Re: Effects of extreme cold weather

Upper midwest here. Several double-digit below zero days within long string of single digits above and below zero. One effect not mentioned yet is increased visits to the gas station :moneybag :moneybag :moneybag . I have long range remote start and use it for 10~15 min warm up before and after work...
by BHUser27
Mon Jan 01, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Car Sleeps Ocean-Front Outdoors: Possible To Delay Deterioration?
Replies: 11
Views: 1591

Re: Car Sleeps Ocean-Front Outdoors: Possible To Delay Down Deterioration?

I used to live a couple houses from the beach in Oxnard California. I parked my used Toyota Corona on the street. I rusted like crazy, especially where the paint was exposed or worn off (it was a well used car). I used to design ship-board control systems for Naval use. IMO - there is almost nothing...
by BHUser27
Mon Jan 01, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1551
Views: 164346

Re: Netflix, Your Current Favorite Show

Just finished The Crown
Just started latest season of Peaky Blinders
by BHUser27
Sun Dec 31, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Old Costco American Express 2-Year Warranty Extension
Replies: 18
Views: 4157

Re: Old Costco American Express 2-Year Warranty Extension

Alexa9 wrote:
Sat Dec 30, 2017 2:48 pm
Good to know that closed cards honor the warranty. I was wondering that myself. Full refund?
Don't know yet. I have to have TV looked at by local authorized VIZIO repair guy.
Then they will either pay to have it fixed or pay the full replacement cost, depending on the outcome.
Will update later.
by BHUser27
Sat Dec 30, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Old Costco American Express 2-Year Warranty Extension
Replies: 18
Views: 4157

Old Costco American Express 2-Year Warranty Extension

Greetings, I thought I would share an experience that might be useful to others. I bought a TV at Costco 3 yrs ago using my Costco Amex credit card. So, it is out of the Costco Concierge 2yr warranty period but still within the Costco Amex extended warranty period. Last night the TV developed a big ...
by BHUser27
Wed Dec 27, 2017 6:16 pm
Forum: Investing - Theory, News & General
Topic: Ally 1-year 2.0% CD vs. USAlliance 3-year 2.4% CD
Replies: 5
Views: 1893

Re: Ally 1-year 2.0% CD vs. USAlliance 3-year 2.4% CD

The yield of I-bond is currently 2.58%. How does it compare against Ally 1-year 2.0% CD? I have never bought I-bonds and am not familiar with it except the fixed interest portion and 1/5 year rules. If I want to put away $20K this year for a minimum of a few years without a danger of loss, which ro...
by BHUser27
Wed Dec 27, 2017 6:14 pm
Forum: Personal Investments
Topic: Invest or pay off car loan?
Replies: 17
Views: 1450

Re: Invest or pay off car loan?

Not I understand the question.

Isn't this just a simple matter of comparing what you would pay in interest on the car loan versus what you think you would earn in interest on the same cash over the same period?
by BHUser27
Tue Dec 26, 2017 6:16 am
Forum: Personal Investments
Topic: Which Vanguard funds would work best?
Replies: 8
Views: 1875

Re: Which Vanguard funds would work best?

OP - Welcome! You might get more useful guidance if you post your question in the format explained here...
viewtopic.php?f=1&t=6212
by BHUser27
Tue Dec 19, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 15751

Ally Bank 12 month CD now 2.00%

I just noticed Ally Bank is offering their High-Yield 12 Month CD at 2.00% on all tiers.
https://www.ally.com/bank/cd-rates/
Enjoy.