Search found 194 matches

by GuyInFL
Fri Jul 19, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: How much data do you have? [data backup issues]
Replies: 7
Views: 359

Re: How much data do you have? [data backup issues]

3G NAS in a raid configuration. Keep 'critical' data like photos and finacial records on bluray stored off-site.
by GuyInFL
Thu Jul 18, 2019 10:41 pm
Forum: Personal Investments
Topic: Edward J rep is not answering my Questions
Replies: 62
Views: 8656

Re: Edward J rep is not answering my Questions

You'll need the cost basis for the account. The difference between the basis and current value is taxable. If the assets have been held a year, the gains are long term capital gains, which are lower than regular income tax.
by GuyInFL
Sun Jul 07, 2019 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Revised Budget Check
Replies: 15
Views: 992

Re: Revised Budget Check

Cmpliance wrote:
Sat Jul 06, 2019 9:18 pm
Life Insurance: ($250)
Tell us a little about your life insurance. 20 Year Level Term?
by GuyInFL
Fri Jul 05, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Buying a suit
Replies: 35
Views: 1946

Re: Buying a suit

I was happy with an Indochino made-to-measure suit for limited occasions. Try to get the measurements taken at one of their stores. About $300-400 on sale.
by GuyInFL
Thu Jul 04, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: How to find senior living options?
Replies: 19
Views: 1855

Re: How to find senior living options?

Good suggestions.
My 'megacorp' company provides counseling servies that include issues like this. I haven't tried them, but it's a thought.
by GuyInFL
Mon Jul 01, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 51
Views: 3009

Re: Frontier or Spirit Airlines

I think the biggest risk of Spirit, Frontier, and Allegiant is impact if your flight is cancelled. On the majors you'll likely get to your destination the same day, maybe the next day, very seldom a longer delay. May be a much longer delay if the airline only flies the route once per day or in some...
by GuyInFL
Mon Jul 01, 2019 6:25 am
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEAD CONTEST -- Semi-Annual Report
Replies: 13
Views: 1112

Re: 2019 BOGLEHEAD CONTEST -- Semi-Annual Report

Congrats!
Perhaps they should go on CNBC to explain the rationale behind the prediction or become a hedge fund consultant!
Of course rationale needs to sound pretty sophisticated to justify their compensation!
by GuyInFL
Sun Jun 30, 2019 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Paying debt weekly rather than monthly
Replies: 21
Views: 1686

Re: Paying debt weekly rather than monthly

I have always paid by automatic debit, and when setting it up there has always been a very clear way to specify extra payment to principal. You might find some bank who defaults to saving overpayments to apply to the next month's bill, which is a bad deal for you, but if they do that you can straig...
by GuyInFL
Sun Jun 30, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Own too much employer stock, should I sell?
Replies: 31
Views: 2218

Re: Own too much employer stock, should I sell?

Consider putting some of the low basis shares in Donor Advised Fund if you do charitable donations.
by GuyInFL
Sun Jun 30, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 4899

Re: Anyone buy Security Cams from Costco?

For the folks that upload security camera video to the web, how much is that impacting your bandwidth usage, or do you have a bandwidth cap? Mine uses quite a bit of bandwidth, but it goes to my NAS, and not the internet.
by GuyInFL
Sun Jun 30, 2019 1:43 pm
Forum: Personal Investments
Topic: Optimum distribution strategy after retirement in 2022
Replies: 21
Views: 1389

Re: Optimum distribution strategy after retirement in 2022

According to my most recent Social Security statement, the difference between taking benefits at age 62 and age 70 is $ 1200/month or $14,400 per year. This is not a significant figure to me given the present value of the money at age 62, the ability to invest it, the income tax implications, and o...
by GuyInFL
Tue Jun 25, 2019 8:58 pm
Forum: Personal Investments
Topic: Financial planning now that retired
Replies: 49
Views: 8228

Re: Financial planning now that retired

tibbitts wrote:
Tue Jun 25, 2019 8:15 pm
DesertDiva wrote:
Tue Jun 25, 2019 7:31 pm
If you already have a relationship with Fidelity, why not go to a local office and meet with an advisor? It couldn't be any worse than the pain you've already endured.
Because for lots of us it's a 200+ mile round-trip to the "local" office.
Probably a worthwhile trip!
by GuyInFL
Sat Jun 15, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 160
Views: 24491

Re: Don't pay full price for SiriusXM radio

thanks...I did see that deal and it found my daughter's car, which has no subscription.
by GuyInFL
Sat Jun 15, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 160
Views: 24491

Re: Don't pay full price for SiriusXM radio

mortfree wrote:
Sat Jun 15, 2019 6:48 pm
Currently offering 12 months for $77 (includes taxes and fees).

Just check their website homepage under subscriptions button (top right).

I just renewed this morning.
I just see the 10.99, 15.99, and 20.99 packages
by GuyInFL
Sat Jun 15, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 4899

Re: Anyone buy Security Cams from Costco?

I've been happy using my Synology NAS as an NVR with POE cameras. Which PoE cameras are you using outside? https://www.amazon.com/gp/product/B00VGTRQO2/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1 I purchased it in 2016 and am happy. Synology software includes a license for one or two cameras. A...
by GuyInFL
Fri Jun 14, 2019 11:58 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 4899

Re: Anyone buy Security Cams from Costco?

I've been happy using my Synology NAS as an NVR with POE cameras.
by GuyInFL
Fri Jun 14, 2019 11:54 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 4899

Re: Anyone buy Security Cams from Costco?

If your not opposed to building your own (custom) system-another source would be Monoprice: https://www.monoprice.com/category/home-&-office/surveillance-cameras-&-accessories?menuDisStr=surveillance%20cameras%20%26%20accessories&v_Brand_Name_uFilter=Monoprice&rows=100&TotalProducts=103 I hven't us...
by GuyInFL
Mon Jun 10, 2019 7:11 am
Forum: Investing - Theory, News & General
Topic: Downsides of VPW?
Replies: 101
Views: 7188

Re: Downsides of VPW?

This thread has been a great read. I think this is my plan: 1. My COLA pension with SS @ 70 will cover 100% of expenses (including taxes). 2. I think I am going to set aside enough to bridge SS from 55 to 70. By set aside, I just mean mental accounting. All money will reside in a 60/40 BH portfolio...
by GuyInFL
Sun Jun 09, 2019 4:07 pm
Forum: Investing - Theory, News & General
Topic: Downsides of VPW?
Replies: 101
Views: 7188

Re: Downsides of VPW?

This thread has been a great read. I think this is my plan: 1. My COLA pension with SS @ 70 will cover 100% of expenses (including taxes). 2. I think I am going to set aside enough to bridge SS from 55 to 70. By set aside, I just mean mental accounting. All money will reside in a 60/40 BH portfolio...
by GuyInFL
Sat Jun 08, 2019 10:36 pm
Forum: Investing - Theory, News & General
Topic: S&P Index Chart
Replies: 3
Views: 586

S&P Index Chart

The Schwab magazine "onInvesting" had an interesting chart showing the history of the S&P 500 index and how long different recoveries took. Noting really new, but I thought the chart was interesting.

https://www.schwab.com/resource-center/ ... ated-equal
by GuyInFL
Sat Jun 08, 2019 12:52 am
Forum: Personal Investments
Topic: Any other notable firms besides the Big 3?
Replies: 8
Views: 1443

Re: Any other notable firms besides the Big 3?

Etrade has some vanguard etfs with no transaction fees
by GuyInFL
Sat May 25, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3259

Re: London / UK Summer Trip

That said, if you absolutely don't want to spend the whole time in London, might I suggest splitting your time with York? It is an easy 2-3 hour train ride from London, has a lovely old, walled city centre, and there is so much to do there with children as well (though most of the attractions there...
by GuyInFL
Sun May 19, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 337
Views: 26148

Re: Selling Home: Demanding Buyer Part 2 (picture)

Change the language to the effect that "seller will reimburse the cost of the electrician of buyer's choice up to $XX for any repairs to the electric meter that are required by the electric company, after inspection, that will not be made by the electric company. Buyer to provide a copy of the repo...
by GuyInFL
Sun May 19, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: 5-Year Rule on TIRA->Roth Conversions
Replies: 14
Views: 912

Re: 5-Year Rule on TIRA->Roth Conversions

Here's another explanation of the 3 five year rules for the Roth IRA.
https://www.rothira.com/roth-ira-5-year-rule
by GuyInFL
Sat May 18, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund Calculator?
Replies: 18
Views: 1067

Re: Donor Advised Fund Calculator?

And of course if you can fund the DAF with appreciated stock, all the better. FWIW, I find I’m using the tax savings to donate more than before.
by GuyInFL
Sat May 11, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Term4Sale callbacks trying to upsell?
Replies: 25
Views: 1817

Re: Term4Sale callbacks trying to upsell?

Or that they wished they had bought more coverage in their earlier years. I thought the consensus was we should need less coverage as we age, since our net worth and ability to combat a financial crisis goes up? Like ivk5 says, inflation decreases your coverage over time. If I were in your situatio...
by GuyInFL
Tue May 07, 2019 8:57 pm
Forum: Personal Investments
Topic: Voya financial - Why would anyone use them?
Replies: 40
Views: 4019

Re: Voya financial - WHY WOULD ANYONE USE THEM?

cavman22 wrote:
Tue May 07, 2019 12:21 pm
MY employer has Voya. I believe most of my funds ER is .04. I like them so far, I prefer the website much over vanguards
Mine too.
by GuyInFL
Sun May 05, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: Roku
Replies: 35
Views: 3674

Re: Roku

[*]a Denon receiver which takes HDMI input from the Samsung disc player. I have removed the DirecTV which used to feed the Denon by a second HDMI input. That second input port should connect to the Roku. [*]a Panasonoic 55-inch HDTV fed by HDMI from the Denon. I use no controls on the TV itself. It...
by GuyInFL
Sat May 04, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: Europe with teens - hotel options
Replies: 42
Views: 2801

Re: Europe with teens - hotel options

2 rooms. Use www.hotwire.com
Choose 4* hotels
by GuyInFL
Sat May 04, 2019 2:29 pm
Forum: Personal Investments
Topic: Combining Roth IRAs from different sources?
Replies: 13
Views: 768

Re: Combining Roth IRAs from different sources?

This rule was enacted by Congress specifically to prevent people from withdrawing their traditional IRA using a 2-step process. Without this rule if you withdraw from a traditional IRA you would have owed 10% penalty and income taxes; if you “convert” to Roth and immediately withdraw you would owe ...
by GuyInFL
Fri Apr 26, 2019 11:29 pm
Forum: Personal Investments
Topic: 2,000,000. Now what?
Replies: 45
Views: 9456

Re: 2,000,000. Now what?

I'd consider paying off atleast some of the rentals.
by GuyInFL
Sat Apr 20, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2349

Re: River cruise, Avignon to Lyon, France

Norwegian Air has great rates to Paris. Also consider flying in to Paris and out of another European location.
by GuyInFL
Tue Apr 16, 2019 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: My life insurance company wants to "help me save money"
Replies: 26
Views: 2299

Re: My life insurance company wants to "help me save money"

Sounds like your current insurer is not giving you a "break" on the proposed new policy, because they would make you go through new underwriting. So shop around, sites like zander.com or term4sale.com. Your current insurer may be listed there, but you might find that another company is much cheaper...
by GuyInFL
Sun Mar 24, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Uber - Fare Estimator question
Replies: 11
Views: 506

Re: Uber - Fare Estimator question

Also setup Lyft. Prices are often different between the two companies.
by GuyInFL
Sat Mar 23, 2019 10:15 pm
Forum: Personal Investments
Topic: At which point do you sell index funds/stocks and take a profit?
Replies: 22
Views: 1996

Re: At which point do you sell index funds/stocks and take a profit?

What about when you've got LTCG in the 0% bracket that you can harvest? IF, and only IF, you're within the 0% fed capital gains tax bracket(not considering any state/local taxes), wouldn't it make sense to sell shares if they're in the green and immediately re-invest to increase your basis? For 201...
by GuyInFL
Fri Mar 22, 2019 10:37 pm
Forum: Personal Consumer Issues
Topic: NYC hotel - safe, clean, not expensive.
Replies: 5
Views: 795

Re: NYC hotel - safe, clean, not expensive.

Check out
Stewarthotelnyc.com
Beautiful hotel large rooms, near Madison Square Guarden. $200 per nite for 4 in Mid Nov
I stayed there in February and was amazed.
by GuyInFL
Wed Mar 20, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: BofA is improving their autopay
Replies: 15
Views: 1452

Re: BofA is improving their autopay

Wow! All of my credit cards easily allow for autopay of the balance or a fixed amount. I was upset at Discover years ago when their autopay of the balance triggered two weeks before the due date.
by GuyInFL
Thu Feb 14, 2019 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Being content with your finances
Replies: 106
Views: 8718

Re: Being content with your finances

I think giving moneey away helps. I donated a decent sum (for me) to a local group for hurricane relief andd felt some extra joy. Definitely enjoy distributing my DAF.
by GuyInFL
Wed Feb 13, 2019 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance suggestion
Replies: 3
Views: 528

Re: Term Life Insurance suggestion

How about a 'first to die' second policy for 1.5M? Might be cheaper than two policies.
by GuyInFL
Wed Feb 13, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Cord Cutting- Hulu Live TV Review and Questions
Replies: 40
Views: 3034

Re: Cord Cutting- Hulu Live TV Review and Questions

hoops777 wrote:
Wed Feb 13, 2019 5:36 pm
If I remember YTTV does not allow you to ff thru commercials
It depends...I can ff on some shows and not on others.

For me, YTTV was a better experience an better quality than Hulu Live, but regular Hulu (w/o commercials) is excellent!
by GuyInFL
Tue Feb 12, 2019 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 is it official?
Replies: 62
Views: 15147

Re: Rule of 55 is it official?

Thanks!
by GuyInFL
Tue Feb 12, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 is it official?
Replies: 62
Views: 15147

Re: Rule of 55 is it official?

Since some plans limit how you can take distributions of 401ks, particularly before 59.5, does this sound like a reasonable alternative if you have a decent size Roth IRA and Traditional IRA? With goal being to maximize the 10% & 12% tax brackets Withdraw 20K from Roth IRA, since contributions can a...
by GuyInFL
Mon Feb 11, 2019 11:24 pm
Forum: Investing - Theory, News & General
Topic: Yet another qualified dividend question
Replies: 14
Views: 811

Re: Yet another qualified dividend question

There has been some debate about whether or not the 1099 div accounts for ones personal holding period or not. I don’t believe that it does so I was just trying to work through the math to make sure I understand the calculations. "Qualified dividends on your tax reporting statement Qualified divide...
by GuyInFL
Sat Feb 09, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Best way for Grandparent paying for day care
Replies: 23
Views: 1669

Re: Best way for Grandparent paying for day care

kaneohe wrote:
Sat Feb 09, 2019 6:19 pm
Do either of the parents have a Flexible Spending Account offered by their employers? They could basically get a tax deduction for some or all of the child care expenses and your gift would supplement this.
+1
Pay for childcare with pre-tax dollars and get the deduction! Can you do that?
by GuyInFL
Sat Feb 09, 2019 6:25 pm
Forum: Personal Investments
Topic: Is my bank not applying the correct amount to the principal?
Replies: 18
Views: 1505

Re: Is my bank not applying the correct amount to the principal?

Most of my mortgage statements beak out my payments and show what was applied to principal , interest, and escrow. Does yours not break that out? Only one of my mortgages didn't do that and I figured out they were applying my extra payments toward future payments, not principal. I asked them to chan...
by GuyInFL
Wed Feb 06, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Carvana
Replies: 42
Views: 4166

Re: Carvana

I was happy with my purchase. Get a referral. And you can get $250 off your purchase.
by GuyInFL
Mon Feb 04, 2019 12:02 am
Forum: Personal Consumer Issues
Topic: Trip to San Francisco & San Jose - tips on travel
Replies: 20
Views: 1171

Re: Trip to San Francisco & San Jose - tips on travel

We flew in and out of San Jose on our trip to San Francisco based on cost. We stayed near Fisherman's Wharf and when we were ready to head to Napa, we took Lyft to SFO, rented a car and then returned it a few days later to San Jose at no extra charge. Online the agency showed a $100 drop off fee but...
by GuyInFL
Sun Feb 03, 2019 11:57 pm
Forum: Personal Investments
Topic: What would your retirement strategy be in my case? (UPDATED info)
Replies: 14
Views: 1451

Re: What would your retirement strategy be in my case? (UPDATED info)

2018 was a great year for us. We had been behind on everything (including mortgage) and since nobody will re-fi unless you're 12 months on time, it has been out of the question. In 2018, we developed a budget, caught up on all bills, saved $30k in emergency fund, brought our scores up about 150pts,...
by GuyInFL
Sat Feb 02, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards - Autopay inconsistent across companies?
Replies: 40
Views: 1721

Re: Credit Cards - Autopay inconsistent across companies?

GerryL wrote:
Fri Feb 01, 2019 8:40 pm
...get the auto-payment up and running at least one billing cycle before you absolutely need it, so you can see that it is working.
+1
I've selected 'statement balance' for 10+ years on many cards and not had a problem. You can still contest a charge even if you make a payment.
by GuyInFL
Sun Jan 27, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?
Replies: 108
Views: 7417

Re: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?

Shamb3 wrote:
Sun Jan 27, 2019 6:27 pm
I calculate my spending as
Income
minus pre tax investing
minus taxes
minus post tax investing
minus mortgage payments
plus bonus
plus some extra fun money


Basically if the government isn't getting it and i am not investing it, I must be spending it.
The exception being the mortgage.
+1