Search found 503 matches

by fishandgolf
Sat Nov 09, 2019 9:38 pm
Forum: Personal Consumer Issues
Topic: What is this sound in the house?
Replies: 28
Views: 3211

Re: What is this sound in the house?

Ok LadyGeek…..bring on that hilarious post from a few years ago about the strange noise in the attic...…...it was a gut splitter..... :sharebeer
by fishandgolf
Sat Nov 09, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Amazon delivery
Replies: 32
Views: 3626

Re: Amazon delivery

3 Words Obsessive Customer Focus :mrgreen: DW sent me to a local retail mall to p/u an item. Had not been to that mall in many months. I was absolutely SHOCKED when I walked in there...….it was barren. It was kinda creepy walking down the once vibrant halls to closed gates covering the doorway of f...
by fishandgolf
Fri Nov 08, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 152
Views: 53799

Re: WSJ Digital Subscription - a bargain!

I've getting the WSJ (print and now digital) for 25+ years. I live in a rural area so the USPS misses delivery at least 1-2 days per week. I have always ordered it direct but last year someone on this site mentioned e-bay as a source....I believe it was $99.00 /yr which included both print and digit...
by fishandgolf
Thu Nov 07, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Question for my Wife
Replies: 8
Views: 646

Re: Social Security Question for my Wife

Thank you BH's for your input. Another Question: Ok.....if she does start to collect benefits starting May 1, 2020 and her income has already exceeded the $18,240.00, so she would then get approximately 1/2 of her benefits? Her annual benefits are ~$16,000.00/yr gross. So does SS deduct against her ...
by fishandgolf
Thu Nov 07, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Question for my Wife
Replies: 8
Views: 646

Social Security Question for my Wife

My wife will turn 65 on April 10, 2020. She is currently working 4 days/wk making $40k per year. She is contemplating on taking her social security benefits starting May 1, 2020 and then retire in October 2020. If she would do that, she could earn $18,240/yr before SS would start deducting one dolla...
by fishandgolf
Wed Oct 30, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Cost to build a house?
Replies: 28
Views: 2801

Re: Cost to build a house?

I'm thinking of building a 4000 square foot house. What's the cost per square foot of building a house in a major metro city (not on the west coast). Assume the land will be bought separately and had a home on it that was torn down. Do not include the cost of the land or tear down in the price. I j...
by fishandgolf
Wed Oct 30, 2019 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Cost to build a house?
Replies: 28
Views: 2801

Re: Cost to build a house?

DW and I just moved into a new house....due to age, it was time to downsize. We designed the house and chose a very reputable local contractor to build it. We ended up with 1782 sq.ft along with a 3-car garage (30' x 42'). We also added a few amenities......not necessarily needs... but more like.......
by fishandgolf
Sun Oct 27, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff
Replies: 55
Views: 3999

Re: Mortgage payoff

capran wrote:
Sat Oct 26, 2019 7:40 pm
Not to mention that it just feels better to not have a mortgage.
+1000...….I just feels better not to have a mortgage....or any debt for that matter. :sharebeer
by fishandgolf
Tue Oct 08, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: LG Refrigerator/Freezer lack of service saga
Replies: 39
Views: 2739

Re: LG Refrigerator/Freezer lack of service saga

DW and I just purchased all new kitchen appliances for our new house. Several friends had previously purchased LG products and reported many problems with the products and service. We decided on all GE appliances; purchased from a local dealer with a active service department. It's only been two wee...
by fishandgolf
Fri Oct 04, 2019 6:03 pm
Forum: Investing - Theory, News & General
Topic: Know when to hold them and when to fold them......
Replies: 148
Views: 13944

Re: Know when to hold them and when to fold them......

What is it that the moderators always say.............'This thread has run its course'.............. :sharebeer
by fishandgolf
Fri Oct 04, 2019 9:10 am
Forum: Investing - Theory, News & General
Topic: Know when to hold them and when to fold them......
Replies: 148
Views: 13944

Re: Know when to hold them and when to fold them......

For me...... International investing reminds me of that old 7 Up commercial......."never had, never will"

https://www.youtube.com/watch?v=9OHGXiFtQCo
by fishandgolf
Sun Sep 29, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: What is protocol for cleaning house when moving?
Replies: 49
Views: 3396

Re: What is protocol for cleaning house when moving?

fishandgolf: And don't forget to leave a bottle of champagne and two glasses on the table. Best wishes. Taylor Jack Bogle's Words of Wisdom: " It is character, not numbers, that make the world go ‘round. How can we possibly measure the qualities of human existence that give our lives and careers me...
by fishandgolf
Sat Sep 28, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: What is protocol for cleaning house when moving?
Replies: 49
Views: 3396

Re: What is protocol for cleaning house when moving?

Thank you Bogleheads for you input. It's been nearly 20 years since we moved / purchased house so we thought we would error on the side of the buyer. Just got back from the former house........DW and I spent the entire day there moving out a few last items and.......I started to cover nail holes in ...
by fishandgolf
Sat Sep 28, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: What is protocol for cleaning house when moving?
Replies: 49
Views: 3396

What is protocol for cleaning house when moving?

I saw a thread on this topic a few months back but could not find it.......so I decided to start a new one. DW and I recently sold our home and have moved to a new home. Closing on our former home is in 7 days. What are the essential things that we need to take into consideration with regards to the...
by fishandgolf
Sun Sep 15, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4300

Re: Best Leaf Blower?

Buy it once and buy it right. I have a Stihl professional backpack blower. It has never failed me. +1 I started with a Stihl handheld, which was good, but didn't have the power to keep the pile moving once it reached a certain size. I upgraded to the Stihl backpack and it was absolutely worth it. +...
by fishandgolf
Thu Sep 12, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Retirees: Ever feel really lazy?
Replies: 42
Views: 5465

Re: Retirees: Ever feel really lazy?

I've been retired for 10 years and the lazy bug did bite me.....somewhat. DW still works full-time so I'm the chief cook and bottle washer. Then....about a year ago we decided to downsize......we build a new, smaller home. OMG......what was I thinking. We move in at the end of September. Those after...
by fishandgolf
Fri Sep 06, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Lawn Tractor Recommendations?
Replies: 26
Views: 1929

Re: Lawn Tractor Recommendations?

I have a John Deere 112 Model TO656, S/N: 131429M that I inherited from my dear father-in-law shortly before he passed. He purchased it via his brother-in-law who worked at the JD factory. I believe this tractor was born in 1959 or 1960. Still running strong. I believe he replaced the engine back 20...
by fishandgolf
Fri Aug 02, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Lightweight, small, window ACs with well-designed installation?
Replies: 9
Views: 1019

Re: Lightweight, small, window ACs with well-designed installation?

Are your windows double hung or casement? We have used portable floor model AC units. The venting system is installed in the window opening. They're inexpensive and work well. Once setup, it only takes 5 minutes to hook up or take down. We have double hung windows....not sure how to setup for caseme...
by fishandgolf
Fri Jul 26, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever used the 60 day rollover from their IRA?
Replies: 22
Views: 1305

Re: Has anyone ever used the 60 day rollover from their IRA?

4). Is there a limit on how much a person can rollover? We might need $250-300K. If the risk you are taking is possibly an unplanned $300k increase in taxable income for 2019, I'd find another way. It does not matter if there is a 95% chance this all goes well, you have to find the consequences of ...
by fishandgolf
Fri Jul 26, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever used the 60 day rollover from their IRA?
Replies: 22
Views: 1305

Re: Has anyone ever used the 60 day rollover from their IRA?

Can you just extend the length of the construction loan? I've built multiple properties and I've done both (withdrawal and extend construction loan). It's of course less risky to just pay the fee/fine for extending the construction loan. The construction loan is for $300K at 5% interest. Currently ...
by fishandgolf
Fri Jul 26, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever used the 60 day rollover from their IRA?
Replies: 22
Views: 1305

Re: Has anyone ever used the 60 day rollover from their IRA?

Thanks for the replies. As mentioned..............the timing has to be "near perfect" (stars aligned) for me to be able to pull this off......but it can work. I will not take any unnecessary or crazy risks. If things are not favorable.........it's a no-go. 8-)
by fishandgolf
Fri Jul 26, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever used the 60 day rollover from their IRA?
Replies: 22
Views: 1305

Has anyone ever used the 60 day rollover from their IRA?

DW and I are ~6 weeks away from the completion of our new downsized house. Our existing house has not yet sold (we are addressing this issue) if and when it does, we may need a temporary infusion of cash during the transition from the construction loan to a 30 year fixed mortgage. I do realize using...
by fishandgolf
Sat Jul 13, 2019 8:36 am
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 471
Views: 61665

Re: Your USER NAME...what does it mean?

Initially Rick's core 4 funds portfolio is what i picked for my portfolio and so name as core4portfolio total US stock market total international total bond REIT Later i simplified to 80/20 with just 2 funds - total US stock and total US bond But havent changed my username. left as is +1000 Same he...
by fishandgolf
Sat Jul 13, 2019 8:28 am
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 471
Views: 61665

Re: Your USER NAME...what does it mean?

Sconie wrote:
Thu Jul 11, 2019 10:41 am
Sconie-----well, for those of you who aren't from the upper Midwest, that's the nickname for people from WiSCONsin. :happy
Sconie......interesting User Name. I'm a Wisconsinite as well...........some folks refer to us a "Cheese Heads" 8-)
by fishandgolf
Thu Jul 11, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 10478

Re: Who cuts your hair? And for how much?

I use to use a salon that was a 25 minute drive from work. At first I like her cut but it always took her 45 minutes and she charged me a bunch just for the small talk. When I retired, I found a local salon....now its 12 bucks and a 5 buck tip. She's better than the other yacker and it only takes 15...
by fishandgolf
Thu Jul 11, 2019 8:29 pm
Forum: Personal Investments
Topic: Anyone else have VG phone reps push toward PAS?
Replies: 27
Views: 2167

Re: Anyone else have VG phone reps push toward PAS?

A few months ago I contacted my VG Flagship rep about my wife's impending retirement and our portfolio. He put me in contact with great PAS advisor. After several weeks of discussions with him (in which he suggested slight modification to our plan) he politely asked me if I wanted to use the PAS ser...
by fishandgolf
Thu Jul 04, 2019 8:45 am
Forum: Personal Investments
Topic: For anyone who retired early
Replies: 13
Views: 1670

Re: For anyone who retired early

There's probably a wiki article on it, but I wasn't able to find it. Short answers: 1. If she retires after reaching age 55 I believe her 403b withdrawals would be penalty-free. 2. Pre age 59.5 withdrawals from an IRA can be penalty-free if done via a properly executed 72(t) plan. 3. Roth IRA contr...
by fishandgolf
Mon Jun 24, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Belt sander or disc sander for refinishing decks?
Replies: 32
Views: 2783

Re: Belt sander or disc sander for refinishing decks?

Saw a show where they did perimeter with handheld orbital and larger area with a sander used to refinish hardwood floors. Stand up and walk unit. I did my deck with 5 inch orbital sander last year. Kneepads are a must. Took about 6hrs using 60 grit. Finished with 2 coats SW Superdeck. I have a 10' ...
by fishandgolf
Sat Jun 22, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 9560

Re: Frugal or cheap?

I think by now you know the answer..........take care of your wife, family and your future..........

Best of luck........
by fishandgolf
Mon Jun 17, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 45
Views: 4187

Re: Mosquitos

Been using this for years. Chrysanthemum-based, no pesticide spraying! Very effective 15 mins after turning it on: https://www.amazon.com/Thermacell-MR-PSR-Shield-Mosquito-Repeller/dp/B075SCVY1B/ref=sxin_4_ac_d_rm?crid=NA68X15FJ5C5&keywords=thermacell&pd_rd_i=B075SCVY1B&pd_rd_r=c918560a-78d1-4476-8...
by fishandgolf
Sun Jun 16, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 45
Views: 4187

Re: Mosquitos

Been using this for years. Chrysanthemum-based, no pesticide spraying! Very effective 15 mins after turning it on: https://www.amazon.com/Thermacell-MR-PSR-Shield-Mosquito-Repeller/dp/B075SCVY1B/ref=sxin_4_ac_d_rm?crid=NA68X15FJ5C5&keywords=thermacell&pd_rd_i=B075SCVY1B&pd_rd_r=c918560a-78d1-4476-8...
by fishandgolf
Sun Jun 16, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 45
Views: 4187

Re: Mosquitos

Been using this for years. Chrysanthemum-based, no pesticide spraying! Very effective 15 mins after turning it on: https://www.amazon.com/Thermacell-MR-PSR-Shield-Mosquito-Repeller/dp/B075SCVY1B/ref=sxin_4_ac_d_rm?crid=NA68X15FJ5C5&keywords=thermacell&pd_rd_i=B075SCVY1B&pd_rd_r=c918560a-78d1-4476-8...
by fishandgolf
Thu Jun 06, 2019 8:47 am
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor Larimore!
Replies: 49
Views: 6519

Re: Thank you, Taylor Larimore!

Snarfanio wrote:
Thu Jun 06, 2019 12:21 am
On this anniversary of D-Day I want to thank you, Taylor Larimore, and all people of the Allied Armed Forces for defeating Evil, allowing me to grow up in freedom in the Netherlands. I hope we will never forget. I certainly will not.
+1000 :beer
by fishandgolf
Sun Jun 02, 2019 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 61
Views: 5843

Re: Required Minimum Distributions

................................................... With Roth conversions it makes a difference because if you pay the tax from funds from your taxable accounts, you can invest all of the converted funds in the Roth IRA and let them continue to grow tax-free. Withholding the tax from the converted ...
by fishandgolf
Sun Jun 02, 2019 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 61
Views: 5843

Re: Required Minimum Distributions

So contrary to my belief, is it better to have custodian withhold taxes from RMD rather than pay myself from taxable/savings? In that way it’s different from Roth conversions which favor latter approach. With Roth conversions it makes a difference because if you pay the tax from funds from your tax...
by fishandgolf
Sun May 19, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Social Security - Age 66 still working
Replies: 4
Views: 724

Re: Social Security - Age 66 still working

Thanks BH's............I did learn something new today........appreciate the wisdom of the folks on this forum!!!
by fishandgolf
Sun May 19, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Social Security - Age 66 still working
Replies: 4
Views: 724

Social Security - Age 66 still working

Question: My sister turned 66 years of age in October 2018; she is till working full-time ....her income is ~$160K yr. Her husband turned 68 in April 2019; he retired at age 66 and started SS at that time. She recently told me that she is collecting spousal benefits from her husbands SS benefits.......
by fishandgolf
Thu Apr 25, 2019 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Attorney - Home owner selling house
Replies: 6
Views: 793

Re: Question for Attorney - Home owner selling house

Thank you BH's for your replies..........the contractor and I agreed to a 50/50 split..........Still not happy but I need to get passed this.......

Time to move on. New house construction started one week ago. Existing house goes up for sale in two weeks...... Better time ahead....... :sharebeer
by fishandgolf
Thu Apr 25, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Question for Attorney - Home owner selling house
Replies: 6
Views: 793

Question for Attorney - Home owner selling house

Wisconsin: I 'm having a dispute with an HVAC repairman that did shoddy work on my furnace. Briefly.........I hired him to replace a faulty zone valve on my heating system. The first time he tried to short cut the repair and messed it up. After a few weeks of testing the system, I realized what he ...
by fishandgolf
Sun Apr 21, 2019 8:48 am
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 2592

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

What do you use the oscillating tool and dremel tool for that they are in your top five? Just curious because I have neither but do enjoy doing house repairs here and there. I just replaced the garage door rails and brackets. The holes on the bracket did not align correctly to the rails so I had to...
by fishandgolf
Sun Apr 21, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 2592

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

As far as favorite, however... backpack leafblower. This thing is just too much fun. Easily knocks over bricks if you're not careful. I usually opt for hand tools instead of power tools because I get a better feeling of accomplishment--you gotta work for it... But the leafblower is a whole new leve...
by fishandgolf
Sat Apr 20, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 2592

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

Drill. Not battery operated--need more power. Chop Saw. Small table saw.. Pneumatic brad/staple gun & oil-less compressor. Circular saw. Other required: Measuring tape, hammer, level, stud finder, socket set , adjustable crescent wrench, vise grips, utility knife , screw driver set with different h...
by fishandgolf
Sat Apr 20, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 2592

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

DW and I are getting ready to move. We're downsizing.......building a smaller home. In our prep to move.....gotta bunch of projects to complete to get the house in "ready to sell condition". I started thinking about "All" the tools that I use....over and over again......to complete these project. He...
by fishandgolf
Thu Mar 28, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 2444

Re: What golf ball do you use?

OPB'S (other peoples balls) The ones I find on the course while waiting for the slower group ahead of me. I have not bought balls since 2001. I have even found balls I have lost previous rounds when the balls decided to escape my custody. I have never purchased a golf ball........of course I've onl...
by fishandgolf
Mon Mar 18, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on house in 2 weeks.... temporary occupancy dispute
Replies: 37
Views: 3170

Re: Closing on house in 2 weeks.... temporary occupancy dispute

Talk to your current landlord about getting out the the deal. If they won't do it for free, see if they would fo it for a few hundred dollars. If not that, maybe you give up the place and have them try and rent it and if rented they'll give you your money back. Then let the home sellers out of thei...
by fishandgolf
Tue Mar 12, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Work or stay home for 1 year
Replies: 30
Views: 2163

Re: Work or stay home for 1 year

We are in mid 30s with two little kids in private school. Would you tap into savings (10 months e-fund will be down to 6-7 months after) to cover tuition so one parent can stay home for a year to get a break from the hustle and bustle of working 9-5 and be with little kiddies? Also sacrificing annu...
by fishandgolf
Sun Mar 10, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4794
Views: 1249910

Re: What Movie Have You Recently Watched?

"The Hunger Games".....first one. My DW finally convinced me to watch this stupid flick.......so....during a Saturday night snow storm (last night)........I conceded. OMG.........what a terrible plot / story line.....probably one of the worst movies I had ever seen.....total train wreck. I would not...
by fishandgolf
Sun Mar 10, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4794
Views: 1249910

Re: What Movie Have You Recently Watched?

DW and I watched the new "A Star is Born" with Bradley Cooper and Lady Gaga...........

It was OK.........Perhaps our expectations were a bit too high going into the movie. We still rated it 4 out of 5.
by fishandgolf
Mon Feb 25, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Nervous about locking up money in SPIA
Replies: 101
Views: 6923

Re: Nervous about locking up money in SPIA

Does it make sense to purchase an SPIA in an IRA? It doesn't work that way. You don't hold an SPIA within an IRA. You can either fund an SPIA with post-tax dollars or "qualified" dollars within an IRA. If they are funded with "qualified" dollars from an IRA, they SPIA is not "within" the IRA. It is...
by fishandgolf
Sat Feb 23, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 12582

Re: Why Working as a Senior Male is Wise...

UpperNwGuy wrote:
Sat Feb 23, 2019 10:15 am
I'm a senior male in his late 60s and am thrilled not to be working. I retired in 2013.
+1000

I am a senior male in mid-60's, retired 10 years ago and THRILLED not to be working......... :sharebeer