Search found 53 matches

by NoblesvilleIN
Tue Aug 13, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Doing your own taxes with a taxable account.
Replies: 9
Views: 1137

Re: Doing your own taxes with a taxable account.

The other thing to keep in mind is that you won't be doing your taxes on February 1st anymore as you typically can with just W-2 income. The earliest that Fidelity provides the 1099 is 2/15. However, because of one investment that I have in my taxable, I normally don't get my 1099 until March 15th. ...
by NoblesvilleIN
Thu Aug 01, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: What to look for when buying vacant land?
Replies: 10
Views: 1373

Re: What to look for when buying vacant land?

If the property you're looking at is currently agriculture (and probably also even if it's not), look to see if there is a county drain easement and what watershed the property is in. In Indiana (outside city limits), the property owners on a watershed pay for the maintenance of the common drain. Al...
by NoblesvilleIN
Sun Jul 28, 2019 10:08 pm
Forum: Investing - Theory, News & General
Topic: What's the equivalent of the Bogleheads community for value investing?
Replies: 7
Views: 1150

Re: What's the equivalent of the Bogleheads community for value investing?

I migrated to Bogleheads from Seeking Alpha a couple of years ago. That site used to have multiple articles on their dividend tab that I found very useful. However, many of the articles are now behind a paywall and also it seems that more of the articles are stock touting rather than thoughtful. I s...
by NoblesvilleIN
Thu Jul 18, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 111
Views: 9798

Re: Gardening 2019

F150HD » Thu Jul 18, 2019 10:41 am what are folks w/ large yards doing for Japanese Beetles chewing up leaves & greenery? We mow about 3 acres of our 14. Japanese Beetles seem to attack my fruit trees (apples, peaches); my son's grapes (90 vines); and my asparagus. They pretty much leave the rest a...
by NoblesvilleIN
Mon Jul 15, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: student credit card - best time to apply?
Replies: 8
Views: 472

Re: student credit card - best time to apply?

On the assumption that you are still supplying at least some financial support to your son, why not cosign for a Capital One (or other no foreign fee card) with a low limit? While this doesn't fully apply to your situation (my kids studied in the US), I got each kid a credit card from our local bank...
by NoblesvilleIN
Sun Jun 30, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Taking the Foot off the Gas Pedal
Replies: 20
Views: 3382

Re: Taking the Foot off the Gas Pedal

Realize that staying under the ACA "Cliff" will put a real damper on what you can convert to a Roth. We are currently staying under the cliff and it is preventing any conversions prior to Medicare.
by NoblesvilleIN
Mon Jun 24, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Clearing undergrowth and bush
Replies: 37
Views: 2438

Re: Clearing undergrowth and bush

I'm 61, but don't have back issues (usually). Check into ratcheting long handled pruners if you are leery of chainsaws. I bought a pair of ratcheting pruners a couple of years ago and they are much easier on my back than regular long handled pruners. I use both (chainsaw and long handled ratcheting ...
by NoblesvilleIN
Tue Jun 18, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Life after COBRA - selecting new health insurance
Replies: 37
Views: 3243

Re: Life after COBRA - selecting new health insurance

You might also want to look at reviews for the ACA providers offering plans in your area. In my area, there were many plans (multiple bronze, silver, and gold), but only two actual providers offering the different plans. One provider had really terrible reviews about delaying and refusing payments a...
by NoblesvilleIN
Sun Jun 16, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Short-term money needs for Executor of Estate
Replies: 57
Views: 4148

Re: Short-term money needs for Executor of Estate

I was the executor for my parent's estate. When my mother passed, my dad was worried about how to pay for the funeral because he had most of their money in CD's and did not want to break one early. My brother and I both offered to front dad the money (me from our HELC, brother from his checking acco...
by NoblesvilleIN
Sat Jun 08, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Land Property Survey...how to decipher
Replies: 13
Views: 1129

Re: Land Property Survey...how to decipher

Here is what we did on our property years ago. I wanted to place a line of spruce trees 10' inside the property line to give me a future screen from the field behind us (owned by a developer). You could do something similar and be accurate enough to post your property, if your property is relatively...
by NoblesvilleIN
Thu Jun 06, 2019 3:04 pm
Forum: Personal Investments
Topic: anybody use Fidelity CD ladders?
Replies: 8
Views: 1894

Re: anybody use Fidelity CD ladders?

My CD's purchased thru Fidelity have the interest going to my settlement account (SPAXX in my case). I built my initial 2-yr CD ladder thru the tool and now as a CD matures, I just purchase a new 2-year CD that has the highest rate (and is call protected). You may need to look at your individual CD'...
by NoblesvilleIN
Sat Jun 01, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Autos and transportation near retirement
Replies: 33
Views: 2225

Re: Autos and transportation near retirement

Similar to you, we have a small farm that we have owned for close to 30 years. I have planted a couple hundred deciduous trees and 3000+ conifers over the years, so I get what you are saying about not wanting to move. I retired 5 months ago and I am finding that I'm only driving 2 or 3 days a week b...
by NoblesvilleIN
Fri May 24, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Keeping old negatives from photos (why keep them?)
Replies: 26
Views: 2252

Re: Keeping old negatives from photos (why keep them?)

Thank you all for your posts and thoughts. I think I'll check into a negative scanner and see what's involved.
by NoblesvilleIN
Thu May 23, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Keeping old negatives from photos (why keep them?)
Replies: 26
Views: 2252

Keeping old negatives from photos (why keep them?)

Are there reasons for holding on to old 35 mm negatives? We have probably 30 years worth of old 35 mm pictures and negatives that we occasionally go thru (DW is looking for baby and middle school pictures of our daughter for her upcoming wedding). We have never had a photo printed from an old negati...
by NoblesvilleIN
Tue May 21, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 111
Views: 9798

Re: Gardening 2019

"by protagonist » Tue May 21, 2019 12:50 pm What is the best gardening forum to ask questions (such as mine above) on the web?" Take a look at the National Gardening Association forums. I don't post there, but I have browsed their forums when I have had a question. https://garden.org/forums/ Years a...
by NoblesvilleIN
Thu May 16, 2019 7:56 am
Forum: Personal Investments
Topic: Income stream post retirement.
Replies: 35
Views: 3376

Re: Income stream post retirement.

I'm 61 (only 5 months into retirement), DW is 54 (and still working). Disclaimer - I am comfortable with owning individual stocks and CD's, I am not comfortable selling stocks to generate cash. I do have index funds also. Several years before I retired, I started tracking the income from our investm...
by NoblesvilleIN
Tue Apr 16, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Having Trouble with PNC?
Replies: 21
Views: 2023

Re: Anyone Having Trouble with PNC?

My wife got the email today and had issues changing our user id and password - we share the login, but use her email as the contact. After a few tries, the website told her that the next try would lock things up. I tried on my laptop when she got home and was able to keep the userid and changed the ...
by NoblesvilleIN
Wed Apr 10, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: How to finish wall
Replies: 5
Views: 809

Re: How to finish wall

Do you even need insulation for the bottom of that wall? I'm assuming that your basement is below grade and that 2 feet or so is well below your frost line. I'm guessing that there is little heat value for insulating that portion and leaving it out would reduce the chance of moisture being held behi...
by NoblesvilleIN
Fri Mar 22, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Selling land - best approach?
Replies: 15
Views: 1370

Re: Selling land - best approach?

I'm guessing that the land developing 2 miles away has access to sewers and water. Does your friend's property have that access? If it is currently farmland, I would be very surprised if sewers are close. In my area, to get sewers, the property must be annexed into a city. To get annexed, a property...
by NoblesvilleIN
Fri Mar 22, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Line of Credit as Emergency Fund
Replies: 21
Views: 1133

Re: Line of Credit as Emergency Fund

In my opinion (and experience), a HELC can be a very useful tool. I/we have had a HELC at various local banks and CU's for over 30 years. Most have had a 10 year draw period and then some sort of amortization period. I say "some sort of amortization period" because we've never gone beyond the draw p...
by NoblesvilleIN
Sun Mar 17, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Buy a previous loaner car
Replies: 20
Views: 1628

Re: Buy a previous loaner car

In 2014, I bought a loaner mini-cooper (2013) with about 2,500 miles on it. All-in-all, I have been pleased. The car did not seem to have been driven hard (it is a 2-seat coupe (think min-cooper sports car)). It does call for premium fuel and that has led to buyer's remorse for me every time I fill ...
by NoblesvilleIN
Mon Mar 04, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Large One-Time Expenditures in Retirement
Replies: 24
Views: 2638

Re: Large One-Time Expenditures in Retirement

We have a HELC at a local bank (current loan balance is $0) for these type of items. In the past, we have used it for purchasing a couple of cars where the dealer wanted certified funds - we then paid it back by transferring funds from the investment accounts (these were planned and accounted for a ...
by NoblesvilleIN
Mon Mar 04, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Snowblowers
Replies: 44
Views: 2142

Re: Snowblowers

What about a different take on snowblowers? With a longer drive, do your parents have a yard large enough that they also have a riding lawn mower or garden tractor? Could that riding lawn mower have a front mount snowblower attachment available? That way, there is one less engine to maintain; its an...
by NoblesvilleIN
Sun Feb 24, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Lot to Build a home ahead of time.
Replies: 4
Views: 696

Re: Buying a Lot to Build a home ahead of time.

This may or may not help you. We bought land (10+ acres) about a year before we built (bought in '91, built in '92).2 When we got the construction loan, we used the land as the down payment. The bank used the land as collateral. The bank was locally owned and we then got a regular mortgage with 20% ...
by NoblesvilleIN
Mon Feb 11, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Should/Could I semi-retire now, and question about medical insurance until 65?
Replies: 18
Views: 1411

Re: Should/Could I semi-retire now, and question about medical insurance until 65?

Do you have the option to go part-time at your current company and still keep your health insurance? That is what I did for 3 years prior to fully retiring December 31st. The company I worked for offered health insurance as long as you worked 24 hours or more per week (scheduled). I decided that 27 ...
by NoblesvilleIN
Sat Feb 02, 2019 8:47 am
Forum: Personal Investments
Topic: What do wise people do with 401(k) balances?
Replies: 35
Views: 4744

Re: What do wise people do with 401(k) balances?

As you get closer to retirement, also look at your plan's rules for distribution. I found that the company (large national) I retired from "discouraged" regular distributions by limiting withdrawals to either 1 per year or 1 per life (I don't remember which). I had to roll my 401k to my IRA in order...
by NoblesvilleIN
Tue Jan 15, 2019 7:48 am
Forum: Investing - Theory, News & General
Topic: Book on withdrawal strategies / retirement income?
Replies: 25
Views: 2881

Re: Book on withdrawal strategies / retirement income?

I recently checked out from our local library (Kindle version) "How to make your money last: the indispensable retirement guide" by Jane Bryant Quinn. It gave me several things to think about and I recommend it.
by NoblesvilleIN
Thu Jan 10, 2019 7:25 pm
Forum: Personal Investments
Topic: Why not use Fidelity High Income Fund SPHIX?
Replies: 18
Views: 2617

Re: Why not use Fidelity High Income Fund SPHIX?

I don't know if this will help you or not. I owned SPHIX from November 2013 thru October 2018. I purchased it for $9.40 per share and sold it for $8.69, a loss of $0.71 per share (it was in an IRA, so not a tax loss). In the approximately 5 years I owned it, I received $2.57 per share in income. It ...
by NoblesvilleIN
Fri Jan 04, 2019 9:03 am
Forum: Personal Investments
Topic: Help my daughter choose a retirement plan- OPERS (Ohio Public Employees Retirement System)
Replies: 9
Views: 904

Re: Help my daughter choose a retirement plan- OPERS (Ohio Public Employees Retirement System)

Thank you for your response. It sounds like the member direct option will be best for her.
by NoblesvilleIN
Thu Jan 03, 2019 11:25 am
Forum: Personal Investments
Topic: Help my daughter choose a retirement plan- OPERS (Ohio Public Employees Retirement System)
Replies: 9
Views: 904

Help my daughter choose a retirement plan- OPERS (Ohio Public Employees Retirement System)

I live in Indiana and worked in the private sector. My daughter is working at a university in Ohio and needs to select a pension option under OPERS. For those that are familiar with OPERS, which option would you recommend? For all options, the university contributes 14% and she is contributing 10%. ...
by NoblesvilleIN
Sat Dec 01, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Managing ACA income with a Vanguard Variable Annuity
Replies: 17
Views: 1622

Re: Managing ACA income with a Variable Annuity

Are you considering picking an HDHP? If so, you could put a few thousand in an HSA, reducing your MAGI. That is what I am planning for next year (my first on ACA) to keep us under the limit.
by NoblesvilleIN
Sat Dec 01, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: HDHP versus regular health plan
Replies: 12
Views: 1364

Re: HDHP versus regular health plan

Here is something to think about (based on my personal experiences). We had HDHP when our children were in late elementary and middle school (thru 8th grade for our oldest). It worked out well for us. We paid the normal doctor visits (2 or 3 times a year per kid) out of pocket and didn't touch the H...
by NoblesvilleIN
Thu Nov 08, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 51
Views: 4071

Re: Paper or Paperless? How and what financial records do you keep?

I shredded my old tax returns a few years ago. Has anyone ever needed a tax return older than 7 years? This thread has me questioning the shredding, but I've never read of a reason the IRS would question something older (except in fraud, doesn't apply to me). When I cleaned out my parents house, I f...
by NoblesvilleIN
Wed Oct 24, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: 911 calls from different area
Replies: 28
Views: 2577

Re: 911 calls from different area

In my area, the ambulances are dispatched out of the fire stations. I would suggest looking up the business office number for the fire department that services that area and call during their normal business hours. Explain your situation and ask what number to call. I'm guessing that most fire depar...
by NoblesvilleIN
Thu Oct 18, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Isn't Paying off the mortgage early putting less money in your house (not more)?
Replies: 96
Views: 9768

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

Put me in the camp of paying it off early and definitely not regretting it. For us it was for two reasons: the emotional one of not liking debt and the more practical one of cash flow. The rest of this post is going to ignore the emotional aspect (although it was more important to me) and concentrat...
by NoblesvilleIN
Thu Sep 27, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Am I the only one...[using multiple accounts]
Replies: 27
Views: 1590

Re: Am I the only one...[using multiple accounts]

We have done both. Years ago, when we were struggling, we set up what we called our "escrow" account - a separate savings account. Each month we put in 1/12th of our various annual type payments - property taxes, home owners insurance, car insurance, life insurance, etc. When it came time to pay a p...
by NoblesvilleIN
Fri Sep 21, 2018 9:54 am
Forum: Personal Investments
Topic: Buying brokerage CD with Fidelity
Replies: 7
Views: 958

Re: Buying brokerage CD with Fidelity

After I submitted the above post, I had another thought. Depending on what your goals are, think about these 3 items (somewhat related). 1) Do you live close to a Fidelity center? The one in Indy is about 30 minutes from my home. I have been happy with the 2 or 3 educational seminars that I have att...
by NoblesvilleIN
Fri Sep 21, 2018 9:41 am
Forum: Personal Investments
Topic: Buying brokerage CD with Fidelity
Replies: 7
Views: 958

Re: Buying brokerage CD with Fidelity

I also use Fidelity for purchasing my brokerage CD's. Start with determining how long you want your longest maturity date to be. Then use the CD Ladder tool to build your initial ladder. When your earliest CD matures, go back to the CD page and select the column that lines up with your chosen term l...
by NoblesvilleIN
Sun Sep 16, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: CDs role in Fixed income part of portfolio
Replies: 31
Views: 3029

Re: CDs role in Fixed income part of portfolio

I allocate a % of living expense to CD's. I have a CD ladder of 8 CD's with one maturing in the 3rd month of each quarter (2 year ladder). Each CD's $ value is 1/4th of a year's expense. My thought is that in a downturn where my other investments don't produce the expected income, I can expect a CD ...
by NoblesvilleIN
Fri Aug 24, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Utility pole replacement by Duke Energy
Replies: 5
Views: 670

Re: Utility pole replacement by Duke Energy

Underground utilities (sewer, water, etc.) are not an issue where this pole is located. We are semi-rural and those don't exist at the street. I'm more concerned about the ruts and trying to mow afterwards - its not an area that gets plowed. Having flagers is not really possible because there is a n...
by NoblesvilleIN
Fri Aug 24, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on capital gain
Replies: 17
Views: 1327

Re: Taxes on capital gain

I think the 4th quarter for taxes starts 9/1. IRS uses a different quarterly schedule than a simple March 30th, June 30th, September 30th, December 31st. From a quick search: When to Pay Estimated Tax Payment Period Due Date January 1 – March 31 April 15 April 1 – May 31 June 15 June 1 – August 31 S...
by NoblesvilleIN
Fri Aug 24, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Utility pole replacement by Duke Energy
Replies: 5
Views: 670

Utility pole replacement by Duke Energy

Do you have any experience with Duke Energy repairing damage caused by their utility pole replacement? A person from Duke stopped by yesterday and asked about parking their trucks in my front field (not in the easement) to replace a pole at the end of my lane. He said that they have a "landscape cre...
by NoblesvilleIN
Sat Aug 11, 2018 9:23 am
Forum: Personal Investments
Topic: Order of selling equities in taxable account
Replies: 9
Views: 1115

Re: Order of selling equities in taxable account

Since you are under 65, are you planning on using an ACA health plan and trying to get a subsidy? If so, then you might need to sell stocks such that your MAGI keeps you under the "cliff" while providing you additional income. I am in a similar situation (60, wanting to retire at the end of this yea...
by NoblesvilleIN
Sun Jun 24, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Front load washer gross moldy gasket
Replies: 38
Views: 4299

Re: Front load washer gross moldy gasket

We had a similar issue with our LG front loader. A co-worker suggest switching from liquid detergent to powdered detergent and that stopped our issue. We also leave the door open between loads and wipe the gasket occasionally.
by NoblesvilleIN
Fri Jun 08, 2018 10:47 am
Forum: Personal Investments
Topic: Dividend Buffer
Replies: 24
Views: 2602

Re: Dividend Buffer

My margin of safety is a bit different. I have the equivalent of 2 years worth of dividends invested in 8 CD's. One CD matures each quarter that represents 1/4 of my estimated annual dividend. My dividends come from about 40 individual stocks that I have purchased over the years, not from index fund...
by NoblesvilleIN
Mon May 21, 2018 4:52 pm
Forum: Personal Investments
Topic: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?
Replies: 26
Views: 2758

Re: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?

I do not know anything about VWIAX, but I have had PONDX/PONAX in my IRA since November 2013. Here are my actual numbers, in the hope it may provide you some context. One time purchase of 1,320 shares @ $12.31 (no commission) on 11/25/13. I track things quarterly, the 3/31/18 NAV was $12.21. Over th...
by NoblesvilleIN
Thu May 17, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Debating whether to rebuild tractor or buy a new zero turn
Replies: 33
Views: 2628

Re: Debating whether to rebuild tractor or buy a new zero turn

My experience is that my ZTR drive tires (turf) would spin uselessly if I tried to pull out brush. My tires spin sometimes when I am trying to mow the ditch out by the road (going up and down for safety). That said, the ZTR (Exmark 52") greatly reduced mowing time (5 hours with garden tractor is now...
by NoblesvilleIN
Wed May 16, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 2202

Re: Roof TV Antenna Recommendation Needed

No recommendation for an antennae (ours is from Radio Shack and is probably 15 years old), but you might consider adding a rotor while you are installing. After our first antennae was hit by lightening, I added the rotor while I was up there anyway. It has improved our service and eased set-up becau...