Search found 247 matches

by spitty
Sat Dec 07, 2019 7:45 am
Forum: Personal Investments
Topic: VDIGX - Avoid high capital gains distributions, or not?
Replies: 7
Views: 836

Re: VDIGX - Avoid high capital gains distributions, or not?

The market being at such a lofty level, maybe you should consider selling some shares and facing the next IRMAA level. You'll not be happy if the upcoming distribution alone barely throws you into the next highest bracket. And even worse, if there's a big market drop next year your fund value could ...
by spitty
Fri Dec 06, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Home maintenance tasks
Replies: 26
Views: 2306

Re: Home maintenance tasks

Also if you Google garage door lubricants you typically find that "light-duty lubricants, such as WD-40, are only suitable for cleaning the tracks of an automatic garage door. Because an overhead garage door opener has a heavy workload, a sturdier lubricant than WD-40, such as silicon spray or moto...
by spitty
Thu Dec 05, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Home maintenance tasks
Replies: 26
Views: 2306

Re: Home maintenance tasks

Treat the working parts of your garage doors 1-2x per year; this time I used WD-40 gel spray hoping it sticks a bit longer ($9 at Walmart). Past I've always used what the local Overhead Door place sells..they say it's non-silicone based and lasts longer. YMMV! Anyway, spray the spring heavily, top a...
by spitty
Fri Nov 29, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2019
Replies: 39
Views: 3317

Re: Best Albums of 2019

Wade Bowen/Randy Rogers live
Cody Jinks
Townes Van Zandt - recorded in 1973, just released
Neil Young - a 1973 live show (Tuscaloosa) plus a studio album..his 39th (Colorado)
Justin Townes Earle
by spitty
Wed Nov 27, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: New Phone Scam - Up A Notch
Replies: 59
Views: 4537

Re: New Phone Scam - Up A Notch

I've gotten two of these doom n' gloom calls from "SSA", last one was on Labor Day so not very good planning by the perp. That was a good chuckle!
by spitty
Sat Nov 23, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Getting text messages (spam?) offering to buy my home
Replies: 25
Views: 2065

Re: Getting text messages (spam?) offering to buy my home

Anyone else getting these? How'd they get your number--maybe from adds you've posted? Appears you don't get these calls on your primary home. We've owned an AZ condo for 14 years and have never gotten these calls/texts until we remodeled last year. Now I get several/week and DW gets 2-3/month and w...
by spitty
Fri Nov 22, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Fort Lauderdale Area vacation
Replies: 12
Views: 1056

Re: Fort Lauderdale Area vacation

What did you like about your location?
A great boardwalk to walk/run and the ocean was clear, clean and swimable..probably too cold at the time you're going though.
by spitty
Thu Nov 21, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Brake Fluid Theatrics Upsetting, Honda Accord
Replies: 21
Views: 2561

Re: Brake Fluid Theatrics Upsetting, Honda Accord

Brake fluid color is subjective and doesn't mean much; if they were really concerned and wanted to help you, they would have checked the moisture content. Very quick and easy to test and many tools available for DIY if interested: https://www.amazon.com/PTE-Tester-Calibrated-Brake-fluids/dp/B005HVG4...
by spitty
Thu Nov 21, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Fort Lauderdale Area vacation
Replies: 12
Views: 1056

Re: Fort Lauderdale Area vacation

I really liked Hollywood Beach. A nice Marriott there, but I bet lots of VRBO rentals that time of year as snowbirds are leaving. BTW if picking up a rental car at the airport make sure they don't charge you for the tollway pass unless you need it. They sneaked that one in on me once!
by spitty
Thu Nov 21, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: Year in Europe (location advice)
Replies: 34
Views: 2271

Re: Year in Europe (location advice)

If Spain, consider Seville; it's farther South so a better winter climate than Barc. It's a beautiful, clean city with amazing history--and less populated. We met an American lady there who winters in Faro, Portugal, saying it has a significant USA population and of course right on the ocean.
by spitty
Sat Nov 16, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: Cheapest long term car rental or other solution?
Replies: 11
Views: 1134

Re: Cheapest long term car rental or other solution?

Maybe ship your car out there? No idea what it costs but I'd look into it before renting 4 months.
by spitty
Mon Nov 11, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11477

Re: Saving seats on Southwest

Having the VISA card, I fly SW a lot and have never confronted a seat saver and haven't even seen it much. Flying solo it's not difficult to get a window/aisle seat if you're A or B group. I'd never pay for early boarding unless I had a tight connection to make: I suspect lots of folks with no conne...
by spitty
Fri Nov 01, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: 40th Anniversary Travel Ideas
Replies: 26
Views: 2063

Re: 40th Anniversary Travel Ideas

We just returned from 2 weeks/3 cities in Spain and it was a fantastic trip! All 3 are very walkable and safe, high speed trains between cities was efficient/comfortable, eating was good (Madrid best) and natives friendly. Each city is full of great attractions so each day was a thrill. Hotel and fa...
by spitty
Fri Oct 25, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: 401k rollover to personal IRA
Replies: 5
Views: 471

Re: 401k rollover to personal IRA

Thanks, Alan, just the info I needed. The S-corp is terminated so I'll start working on the rollover and yes, file the 5500EZ in January. I'm over 55 but don't need the funds yet. Cheers!
by spitty
Thu Oct 24, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: 401k rollover to personal IRA
Replies: 5
Views: 471

401k rollover to personal IRA

Wife and I have a solo 401k we won't be funding anymore since I retired July 1. Are there any drawbacks to rolling it into personal IRA accounts? Main motivation is to avoid the yearly $320 fee charged by our sponsor (Ubiquity); we won't be doing backdoor Roth conversions. Logistics through Schwab a...
by spitty
Mon Sep 23, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: Stump Grinder - Ridiculous Side Hustle??
Replies: 51
Views: 7570

Re: Stump Grinder - Ridiculous Side Hustle??

Biggest part of the job will be sawdust cleanup and filling the holes with topsoil. And get ready to chainsaw because some of the stumps will be 10" or more tall. The HO will want a perfectly smooth surface ready to plant grass, but of course you can offer a cheaper price to just "grind and leave". ...
by spitty
Tue Aug 20, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: Fallen Tree clearing
Replies: 27
Views: 1823

Re: Fallen Tree clearing

Ash is great hardwood for stoves; if not dead for more than a 2-3 years it should still be good. Maybe place an add on Craigslist as "free"? Call some wood stove distributors in your area and ask about clients that may be interested in free wood. There are many brands, Hardy and Woodmaster come to m...
by spitty
Tue Aug 20, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 111
Views: 11745

Re: Anyonw driving Uber for fun and pocket money in retirement?

Ever watch Taxicab Confessions on HBO many years ago? That's why I wouldn't do it. I'd rather cut someone's grass and get paid in cash.
by spitty
Sun Aug 04, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Personal Trainer for Physical Balance
Replies: 52
Views: 3594

Re: Personal Trainer for Physical Balance

Lots of one foot standing, bouncing and twisting is great for balance..try it with eyes closed, it's pretty tough! Also try some easy, body weight squats on one leg. I can't get near a full pistol squat but try to get a little "feel" without bothering the knees. I've used an Indo board for at least ...
by spitty
Wed Jul 17, 2019 7:17 am
Forum: Personal Consumer Issues
Topic: Dash Cams [want recommendations]
Replies: 22
Views: 2088

Re: Dash Cams [want recommendations]

Just installed a Street Guardian SGGCX2PRO dual (SGR291 rear) in May and am very happy with it. SG is very active on DashCamTalk and will send you a discount code to order direct through them. Rear cam is 1080p which I thought important having 35% tint. No wifi connectivity with this model if that's...
by spitty
Sun Jul 14, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited ira
Replies: 21
Views: 1973

Re: Inherited ira

Thanks, sorry I wasn't clear on the spousal part. Wow, 72 would be very nice!
by spitty
Sun Jul 14, 2019 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Inherited ira
Replies: 21
Views: 1973

Re: Inherited ira

Be aware that since this inherited IRA is non-spousal, after the account is properly titled, you only use the life expectancy table the first year to get your divisor. In subsequent years you'll just subtract "1" from the previous year number. So at 54 yo your divisor would be 30.5, next year it's 2...
by spitty
Wed Jul 10, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Pickup truck issue!!
Replies: 39
Views: 3362

Re: Pickup truck issue!!

How does that work, a dealer taking in a deleted truck? Seems they'd need to restore it to stock before legally selling it. That would hit your trade in value!
by spitty
Wed Jul 10, 2019 6:24 am
Forum: Personal Consumer Issues
Topic: Pickup truck issue!!
Replies: 39
Views: 3362

Re: Pickup truck issue!!

I think you should trade for a F-250 gasser while it's still running. Bummer you've recently "invested" $2k in repairs, but this next service will be more, then who knows what's next...injectors? Another $3k. Since you tow regularly I'd avoid the F-150; on a recent trip I noticed lots of half tons t...
by spitty
Tue Jun 25, 2019 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4990

Re: Triage in ER - charged $790

If you walk into a hotel room you just booked, don't sit down or touch anything, then leave after 15 minutes to keep traveling will your VISA still be charged? Only difference here is you knew it was a $790 room--hospital charges are still shrouded in mystery which is a scam to all of us!
by spitty
Tue Jun 18, 2019 7:55 am
Forum: Personal Consumer Issues
Topic: Transamerica Bike Race
Replies: 6
Views: 722

Transamerica Bike Race

Anybody following? http://trackleaders.com/transam19f.php The leader has about 130 miles to go and is gonna shatter the record set last year of 16d20h40min. We're lucky to have the route pass through our town so I was able to meet and wish him well. Here's a video someone recorded of him in IL a few...
by spitty
Tue Jun 18, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 3237

Re: Recommendation for light beer.

We tried the Kirkland light beer once and thought it was terrible...YMMV
by spitty
Tue Jun 18, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: Filling Concrete Driveway Cracks - Best ways?
Replies: 8
Views: 2041

Re: Filling Concrete Driveway Cracks - Best ways?

Yes, the concrete patch stuff is a bad choice--I've also found out the hard way. In big cracks I tried both "sand/topping mix" and "vinyl concrete patch"; both cracked within a couple months so need a redo. Sika self leveling works great IMO and can even be used in sloped cracks if you start at the ...
by spitty
Mon Jun 17, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Powered Recliners. How reliable are they?
Replies: 8
Views: 611

Re: Powered Recliners. How reliable are they?

Happened upon this place 10 years ago while furniture shopping in Phoenix: https://www.arizonaleather.com/ I was impressed by the quality of everything they sold so ordered his/hers motorized recliners and had them drop shipped to us 1500 miles away. They still work as new and they're very comfortab...
by spitty
Thu May 16, 2019 6:45 am
Forum: Personal Consumer Issues
Topic: [Another] How much to spend on a car/what to get thread
Replies: 27
Views: 1554

Re: [Another] How much to spend on a car/what to get thread

OP you sound very frugal and probably want an 8-10 yr keeper which rules out the fancy German cars. They're expensive upfront and can be painful $$ out of warranty. Plus it's a lot to have tied up in a car; you'll always worry about where you park and especially the bump-head who doesn't respect you...
by spitty
Thu May 09, 2019 9:44 am
Forum: Personal Investments
Topic: Strategy for Selling Appreciated Stocks
Replies: 11
Views: 1122

Re: Strategy for Selling Appreciated Stocks

Last year we decided to donate some appreciated shares to a local charity, but for their bank to accept them a brokerage account had to be setup...with an advisor that divided the $$ into several funds and of course rakes commissions. So this year's shares are going to our Schwab DAF and we'll make ...
by spitty
Sat May 04, 2019 6:05 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1974
Views: 338067

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I assume these bonuses are taxable to everyone? After transferring 250k to TDA last year we received $600 in Apple gift cards which showed up as taxable income on our 1099. Sorry, I didn't read the whole thread..
by spitty
Tue Apr 23, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 33
Views: 2816

Re: Best pillow under $50?

"Upstanding save for the $1m he was ordered to pay for [url=https://www.nbcnews.com/business/consum ... ds-n677571]running bogus ads"

Wow, didn't know this, thanks!
by spitty
Mon Apr 22, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 2616

Re: What are your 5 favorite tools (hand, power, other)

Makita cordless drill + impact driver
Deere 997 ZTR - a real powerhouse
Knipex pliers - 3 pieces and counting
anything Stihl - 3 chainsaws, weed wacker and backpack blower
Klein Katapult wire stripper
by spitty
Mon Apr 22, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 33
Views: 2816

Re: Best pillow under $50?

Nobody's mentioned the My Pillow from all those TV commercials--anybody tried one? I admire Mike for overcoming 30+ years of addiction to become an upstanding businessman!
by spitty
Mon Apr 22, 2019 7:11 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 98
Views: 10137

Re: Thinking about selling stocks near all time highs

OP--seems to me you're thinking in the right direction; wanting to retire early--maybe by 50--you gotta focus on safety. "Market timing" to some is like a four letter word only used when hitting your thumb with a hammer. But everyone's situation is different..with 20 years of accumulation left you'd...
by spitty
Fri Apr 19, 2019 12:56 pm
Forum: Personal Investments
Topic: Vanguard wire transfers without 'medallion signature guarantee'
Replies: 8
Views: 1304

Re: Vanguard wire transfers without 'medallion signature guarantee'

I'm transferring funds into my Vanguard IRA and the online app is requiring a Medallion signature. This must be a fairly new requirement since I don't remember doing it in the past. Would be nice to have a work around!
by spitty
Mon Apr 15, 2019 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Calculating cost basis of Express Scripts in Cigna merger
Replies: 55
Views: 18730

Re: Calculating cost basis of Express Scripts in Cigna merger

Hopefully most of us aren't overpaying the IRS due to these buyouts--very confusing indeed! We've held MRK forever in a DRIP; in 2012 our accountant said MEDCO shares were "free" so cost basis was zero. New account said the same last week so claimed the full buyout amount as taxable. With 68 shares ...
by spitty
Mon Apr 15, 2019 5:28 am
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 10639

Re: Luxury car recommendations?

If you're spending up to $50k, treat yourself and buy new. I sat in a Genesis G80 recently and it was very posh; didn't drive it though. It was low $40s.
by spitty
Wed Apr 10, 2019 4:40 am
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 15427

Re: New 2019 RAV4 is now out - looks good

Just had a new RAV4 for two weeks (Budget) and probably wouldn't own one. It seemed dependable, handled well and got about 28 mpg overall. Only time I noticed engine excessive noise was on hard acceleration--noisy but no pep. A little better cabin insulation from the outside would be a good idea.The...
by spitty
Sun Apr 07, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8559

Re: Huge AIrBNB Cancellation Charge

1--Wonder how much of this $1200 the host gets? I'd appeal to their decency for a refund of their cut; most of us would do this, not being out to hose our fellow citizen. If it's a management company working on behalf of owners, good luck :x ! 2--This long term rental policy should allow the same 48...
by spitty
Mon Mar 25, 2019 12:17 pm
Forum: Personal Investments
Topic: Charles Schwab Funds
Replies: 22
Views: 3980

Re: Charles Schwab Funds

Only one we hold is SCHD (US dividend equity ETF); it's been very good over past few years. SEC yield is 3.11%, gets 5-star rating and no commission to buy or sell through Schwab. We have it in tax advantaged accounts.
by spitty
Thu Mar 21, 2019 6:28 am
Forum: Personal Consumer Issues
Topic: Composite Cedar Siding and Real Cedar Siding Maintenance
Replies: 24
Views: 2029

Re: Composite Cedar Siding and Real Cedar Siding Maintenance

That looks like a great choice--fiber cement should last forever with no upkeep and look good too. We're mentally preparing to rent the scissor lift for more staining :( !
by spitty
Wed Mar 20, 2019 6:55 am
Forum: Personal Consumer Issues
Topic: New carry-on policy at United Airlines?
Replies: 47
Views: 4016

Re: New carry-on policy at United Airlines?

And sitting in row 25+ it takes 45 minutes to get off the plane as everyone drags bags out of overhead bins. Though I have not flown United in a while, I've noticed SW getting very liberal in ignoring max carry on size of 10x16x24; hopefully they'll start charging for overhead bin space to encourage...
by spitty
Fri Mar 08, 2019 4:13 pm
Forum: Personal Investments
Topic: Vanguard used FIFO cost basis when I specified SpecID
Replies: 40
Views: 2166

Re: Vanguard used FIFO cost basis when I specified SpecID

Happened to me in December using TDA. I sold some shares LIFO to show a ST loss but 1099 arrived in Feb showing a large gain on this sale meaning they'd recorded it as FIFO. Called a rep who put me on hold 5 min then came back an said I'd be issued a new 1099 in a couple weeks. Unsure if they looked...
by spitty
Fri Mar 08, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8539

Re: attacked by off-leash dog

OP, what was the extent of your attack? Bitten? Stitches? Two others above have asked .. Anyhow, a stun gun is about $75 and just the sound will get a dog's attention. We occasionally buzz one at night to get the dogs in--of course they've never been shocked. Pepper spray is an idea but under stress...
by spitty
Sun Mar 03, 2019 6:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4897
Views: 1265792

Re: What Movie Have You Recently Watched?

Free Solo is on Nat Geo channel tonight, commercial free at 8pm central.
by spitty
Fri Mar 01, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 9185

Re: Priority boarding - Why?

Overhead space and tight connecting flights seem tenable reasons. SW doesn't seem to pay any attention to carry on size anymore which delays takeoff by 7-10 minutes on some of my flights lately. Are other airlines ignoring this policy too? A buddy who's about 350lb loves to get on SW last and slowly...
by spitty
Wed Feb 27, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: HSA Records - end-of-year EOB sufficient?
Replies: 23
Views: 1899

Re: HSA Records - end-of-year EOB sufficient?

We pay all our healthcare on VISA and keep an envelope full of charge slips. I keep thinking of organizing it all onto a spreadsheet but haven't yet. Just because I get an EOB isn't 100% evidence I've actually paid it but keeping the VISA receipts is. At first moving these funds into a Roth didn't m...
by spitty
Mon Feb 25, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Retire in July 2019?
Replies: 30
Views: 5524

Re: Can I Retire in July 2019?

Your details now make retirement look very doable, IMO, so congratulations! You're attentive to staying in a low tax bracket, moving to a lower COL area and even have the ability to get your job back in a pinch. You'll have plenty to do with your charity which means less time to spend money. And if ...