Search found 181 matches

by NewOldGuy
Wed May 06, 2020 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: 401K Roth and pretax
Replies: 3
Views: 348

Re: 401K Roth and pretax

Can I safely spend the 10K without ramification nor declaration? No "ramification" but you should expect a 1099-R for the distribution. You'll declare the distributed amount but none of the $10K will be taxable. If I have the company direct deposit the whole thing into my checking, I'm looking at a...
by NewOldGuy
Wed May 06, 2020 1:12 am
Forum: Personal Finance (Not Investing)
Topic: 401K Roth and pretax
Replies: 3
Views: 348

401K Roth and pretax

I recently retired ... again. I now have a small 401k with a total of just $15K. About $10K is after tax Roth with earnings. About $5K is company match and pretax contributions. I meet the 5 yr vested requirement. I'm 63 and insured through CoveredCA with fed subsidy that keeps us poor. :wink: Can I...
by NewOldGuy
Wed Feb 26, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: Credit Card cancelled for non-use?
Replies: 25
Views: 2970

Re: Credit Card cancelled for non-use?

Cards that are closed by you or the provider stay on your credit report for 10 years and continue to contribute to credit history. Of course you lose the credit line and if you owe balances, percentage of debt to available credit increases. The latter could affect your fico score.
by NewOldGuy
Wed Feb 26, 2020 7:12 pm
Forum: Personal Consumer Issues
Topic: Avis charging for existing damage on rental car
Replies: 111
Views: 7628

Re: Avis charging for existing damage on rental car

Will your insurance cover this? The reason I ask is my brother in Mn gets his glass auto replaced free, no deductible. That doesn't work in California. YMMV. Hello Bogleheads: I rented a car through Avis in early January of this year. The location was in a mall and had one employee who gave me the k...
by NewOldGuy
Wed Feb 12, 2020 4:20 pm
Forum: Personal Consumer Issues
Topic: Costco Tires
Replies: 95
Views: 8066

Re: Costco Tires

Honestly I always go back to Discount Tire They have great service and they always negotiate on price where I can end up getting everything for cheaper than at Costco. Sometimes I need to drop the comparison if Costco is having their sale and they will always match it but often I end up getting an ...
by NewOldGuy
Tue Feb 04, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: Amazon free returns, any experiences?
Replies: 74
Views: 5513

Re: Amazon free returns, any experiences?

Granted English is his fourth language, but hey, can't have everything. In short order my money is refunded and I can keep the non-working ice maker. I'm assuming you are talking about Indian customer representatives? I've only interacted with Indian customer reps so I assume Amazon has a call cent...
by NewOldGuy
Tue Feb 04, 2020 3:19 am
Forum: Personal Consumer Issues
Topic: Amazon free returns, any experiences?
Replies: 74
Views: 5513

Re: Amazon free returns, any experiences?

Amazon has never treated me wrong in about 20 yrs. so they are due. I bought a stand alone counter top ice maker. It's DOA as it won't pump water from reservoir to ice tray. No pump sound, no water moving. I try several times, but it just cycles the ice tray twice and then sets error code. Time to s...
by NewOldGuy
Tue Feb 04, 2020 2:40 am
Forum: Personal Consumer Issues
Topic: PSA clean your refrigerator condenser coils
Replies: 4
Views: 1282

Re: PSA clean your refrigerator condenser coils

Our older fridge grumbles when it needs cleaning. I use the vacuum with long thin tube. Coils are on bottom.
by NewOldGuy
Tue Feb 04, 2020 1:30 am
Forum: Personal Consumer Issues
Topic: Longest battery smart phone
Replies: 35
Views: 2519

Re: Longest battery smart phone

Not unusual to have 30-50% battery life after a couple years and they don't make it easy to simply install a new battery. The batteries are embedded deep into the workings of the motherboard. They want you to plunk down big bucks every couple years for a new phone. When not needed turn off gps, wifi...
by NewOldGuy
Tue Jan 28, 2020 3:50 pm
Forum: Personal Consumer Issues
Topic: phone oddity - can't connect to one business number
Replies: 3
Views: 501

Re: phone oddity - can't connect to one business number

Instead of xxx-xxx-xxxx, have you tried + 1- xxx-xxx-xxxx? The digit one is usually not necessary but can be an option. Also most major companies have more than one local number and maybe even an 800 number.
by NewOldGuy
Sat Jan 25, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Had my roof replaced and and noticed a possible issue
Replies: 39
Views: 2569

Re: Had my roof replaced and and noticed a possible issue

My home seemingly has 200 feet of valleys because it has been added onto a few times, but every valley has metal flashing. Obviously your's is different. Might be regional.
by NewOldGuy
Thu Jan 23, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 333
Views: 70282

Re: What is your favorite consumer product?

TiVo. Early adopter going back to the 90's. Can't watch broadcast tv without it. Cannot stomach commercials.
by NewOldGuy
Thu Jan 23, 2020 4:59 am
Forum: Personal Consumer Issues
Topic: Anybody else have trouble with USPS Informed Delivery?
Replies: 36
Views: 3592

Re: Anybody else have trouble with USPS Informed Delivery?

Today my daily email came at 4 pm. Normally it's here by 9-10 am. Sometimes I think this service is a curse as I see an important tax doc or check or credit card bill pictured in the email and it's the only piece that doesn't get delivered. I get stressed until it shows up a day or two or three late...
by NewOldGuy
Fri Jan 17, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: Credit Card Question
Replies: 8
Views: 848

Re: Credit Card Question

Say you're spending on average $1000 per month. A 2% card will get you $20 a month. Although I'm a huge card user and enthusiast about maximizing rewards with cards, I have to say for $20 a month......who cares? OP spend is $1250/mo. x .02 = $25 x 12 = $300 savings per year. My Netflix is $155/yr A...
by NewOldGuy
Fri Jan 17, 2020 3:43 am
Forum: Personal Consumer Issues
Topic: Credit Card Question
Replies: 8
Views: 848

Re: Credit Card Question

Paypal MC is another 2% card, but if you fly a couple times a year, look into a travel card. You can usually get sign up miles/cash bonus worth $300-500 with minimum spend to meet.
by NewOldGuy
Sun Jan 12, 2020 3:23 am
Forum: Personal Consumer Issues
Topic: speakers
Replies: 32
Views: 2896

Re: speakers

I'm not a audiophile, but a fan of good sound. IMHO, unless ones tower speakers cost $20K, one should invest in the best sub-woofer(s) available. Once the sub 25k hz range is fully covered, you can then set your towers to small speakers on the receiver and the sound should become much fuller. The l...
by NewOldGuy
Sat Jan 11, 2020 6:10 pm
Forum: Personal Consumer Issues
Topic: speakers
Replies: 32
Views: 2896

Re: speakers

I'm not a audiophile, but a fan of good sound. IMHO, unless ones tower speakers cost $20K, one should invest in the best sub-woofer(s) available. Once the sub 25k hz range is fully covered, you can then set your towers to small speakers on the receiver and the sound should become much fuller. The lo...
by NewOldGuy
Tue Jan 07, 2020 8:47 pm
Forum: Personal Investments
Topic: BoA Platinum Honors: Fidelity Transfer Question
Replies: 12
Views: 952

Re: BoA Platinum Honors: Fidelity Transfer Question

Before you transfer, do you have an idea of what category most of your expenses going to be? The reason I ask this is because, when I did a similar analysis on my expenditures in 2018, I found that most of those expenses occurred in the miscellaneous category. Surprisingly not gas or groceries or o...
by NewOldGuy
Tue Jan 07, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: How much do you tip ubereats?
Replies: 45
Views: 4522

Re: How much do you tip ubereats?

masonstone wrote:
Thu Sep 05, 2019 4:18 pm
How much do you tip ubereats?
We no longer have food delivered, not even pizza. The internet has ruined it. Too many (scary-gross-illegal-gagging) tales to be told by retired delivery drivers. In one survey, 50% say they ate some of the food... aka french fries mostly.
by NewOldGuy
Tue Jan 07, 2020 12:36 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5671
Views: 484799

Re: VTSAX hit new all time high.

Scary... and I've been along for the ride (VTI) sitting on my hands.
by NewOldGuy
Mon Jan 06, 2020 4:57 am
Forum: Personal Consumer Issues
Topic: Which Toilet Flapper?
Replies: 30
Views: 2427

Re: Which Toilet Flapper?

"Universal" means it works in more than one environment. It does not mean it works in every environment. There are literally dozens of different flappers. You need one that works with your toilet. Not all toilets have flappers. Some use a cylinder with an O ring/gasket type replaceable seal. (Kohler...
by NewOldGuy
Sun Jan 05, 2020 3:02 am
Forum: Personal Finance (Not Investing)
Topic: HSA - How Do I Contribute Via Payroll? Employer Didn't Say Anything About This Option
Replies: 6
Views: 468

Re: HSA - How Do I Contribute Via Payroll? Employer Didn't Say Anything About This Option

My wife's ex-company matched HSA payroll deductions up to $900 per year dollar for dollar. Talk to your HR.
by NewOldGuy
Sun Jan 05, 2020 2:58 am
Forum: Personal Finance (Not Investing)
Topic: Geico cancels 1M umbrella
Replies: 54
Views: 6681

Re: Geico cancels 1M umbrella

$240 for 1 million thru Mercury Insurance. Our 3rd car was a $50 penalty. Just two blue haired oldies. No kids.
by NewOldGuy
Tue Nov 26, 2019 11:59 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 89761

Re: Flaunt Your High-Mileage Car

1999 BMW 328i 191,000
2001 Ford Ranger 145,000
2014 Ford Mustang 41,000
by NewOldGuy
Tue Nov 26, 2019 9:38 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88433

Re: Found hidden safe, should we crack?

Drill a hole, insert scope.
by NewOldGuy
Fri Nov 01, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: "One year into retirement!"
Replies: 4
Views: 1790

Re: "One year into retirement!"

I've belonged to that forum for many years. This one and that one are pretty much all the smart people I know. ;)

The Politics and Religion forum is spicy and pretty much unmoderated except you have to log in to see it. The disclaimer is don't go there if you have thin skin.
by NewOldGuy
Wed Oct 23, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: BofA credit card compromised, but they won't say how
Replies: 15
Views: 1524

Re: BofA credit card compromised, but they won't say how

Couple years ago, BofA sent me a fraud notice, to cut up old cards, and new cards "are already in the mail". They arrived and I was activating them and got a "contact us" notice. I called and they said my cards were already compromised. They weren't even activated, yet they were compromised. Say what?
by NewOldGuy
Wed Oct 23, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: ACA 2020 pricing [What's your 2020 pricing?]
Replies: 38
Views: 4613

ACA 2020 pricing [What's your 2020 pricing?]

Recently read an article that stated ACA national pricing is dropping 4% on average. When comparing same policy(Blueshield Silver70) in California, ours is $70/mo more and our deductible rose from $5k to $8K, and the pharmacy deductible doubled. So paying more, getting less. Sounds about right.
by NewOldGuy
Fri Jul 05, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 4304

Re: buying a 60 or 65 inch tv this weekend. which one?

What are you more likely to say,

"Wish I had bought a bigger TV" or

"Wish I had bought a smaller TV"

I always buy bigger if there's decent viewing distance. There is a "too much TV for the room" possibility.
by NewOldGuy
Mon Jul 01, 2019 11:50 am
Forum: Personal Investments
Topic: Moving from Vanguard to Merrill Edge
Replies: 127
Views: 18364

Re: Moving from Vanguard to Merrill Edge

I opened a Merrill Edge account more than two months ago with a transfer from Vanguard of > $100K and have yet to qualify for any tier of Preferred Rewards. The Merrill Edge and Bank of America accounts are both joint with my wife and me. I wonder if that is the problem. I secure messaged Merrill E...
by NewOldGuy
Mon Jul 01, 2019 12:31 am
Forum: Personal Investments
Topic: Moving from Vanguard to Merrill Edge
Replies: 127
Views: 18364

Re: Moving from Vanguard to Merrill Edge

I opened a Merrill Edge account more than two months ago with a transfer from Vanguard of > $100K and have yet to qualify for any tier of Preferred Rewards. The Merrill Edge and Bank of America accounts are both joint with my wife and me. I wonder if that is the problem. I secure messaged Merrill E...
by NewOldGuy
Mon Jul 01, 2019 12:20 am
Forum: Personal Investments
Topic: Moving from Vanguard to Merrill Edge
Replies: 127
Views: 18364

Re: Moving from Vanguard to Merrill Edge

I'd recommend not carrying a combined balance beyond $250,000. The reason is that in the past couple years, some people who had a combined BofA balance > $250,000, were 'upgraded' to Merrill Banking Rewards with Wealth Management. This overlaps significantly with Preferred Rewards with the exceptio...
by NewOldGuy
Tue Jun 25, 2019 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401K or traditional 401K and ACA subsidy
Replies: 11
Views: 1190

Re: Roth 401K or traditional 401K and ACA subsidy

If you choose a HDHP HSA eligible ACA plan, you and your wife can both contribute $4500 each year, therefore reduce $9000 from MAGI amount. My wife doesn't currently draw a salary. We are together in a non-qualifying ACA silver plan, but I could move to Bronze HDHP. If I'm in the Bronze plan for mo...
by NewOldGuy
Tue Jun 25, 2019 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401K or traditional 401K and ACA subsidy
Replies: 11
Views: 1190

Re: Roth 401K or traditional 401K and ACA subsidy

I think you may be missing something… Please show your math on the 72k 25K pension 17K SS 30K SS Disability <-- this is the supposition of my wife qualifying for SS disability and me quitting my job. 72K for 2020. If I can't trim a little off (5K), I may as well keep working. Hopefully, the limits ...
by NewOldGuy
Mon Jun 24, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401K or traditional 401K and ACA subsidy
Replies: 11
Views: 1190

Re: Roth 401K or traditional 401K and ACA subsidy

Next year I don't see any subsidy as there's no place to deduct enough even if I quit we're still at $72K. Am I missing anything? Thanks. You can suspend your own SS and restart it at a later time. Thanks tfb. Yes, I have 12 months from onset of benefits to suspend, that leaves me just two months t...
by NewOldGuy
Sun Jun 23, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401K or traditional 401K and ACA subsidy
Replies: 11
Views: 1190

Re: Roth 401K or traditional 401K and ACA subsidy

Not sure I can answer your question, but a few observations: - The 401k max for those over 50 is $25k. But it makes no difference if your earned income is $15k. - the portion of social security that counts against ACA is the untaxed portion. https://help.ihealthagents.com/hc/en-us/articles/22454062...
by NewOldGuy
Sun Jun 23, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401K or traditional 401K and ACA subsidy
Replies: 11
Views: 1190

Roth 401K or traditional 401K and ACA subsidy

I'm 63 working part time at about $15K/yr. and putting 10% into a Roth 401K. I could theoretically put my entire salary into a 401K, up to $19K? Is that correct? I'm struggling a little bit figuring out my options to stay below the subsidy requirements for the next 2 years, this year especially. I h...
by NewOldGuy
Fri Jun 21, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Highest % cash back credit card
Replies: 77
Views: 7340

Re: Highest % cash back credit card

Preferred BofA cash rewards X2 one set to dining, one set to online purchases. This includes purchasing Costco Cash cards online to get 5.25 off grocery and gas. Chase Freedom 5% off groceries this quarter. Paypal MC for 2% off everything else. Going to app soon for BofA Travel Rewards to get 2.62% ...
by NewOldGuy
Thu Jun 20, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 7817

Re: How to avoid high vet bills?

Yes, age of pet and quality of life plays a big part in end of life decisions. Congrats on your pup reaching 15!
by NewOldGuy
Thu Jun 20, 2019 2:25 am
Forum: Personal Finance (Not Investing)
Topic: Merrill Edge and Preferred Rewards
Replies: 62
Views: 8199

Re: Merrill Edge and Preferred Rewards

I went into a local BofA branch in January to open Advantage Relationship Banking Checking account. That got me $350 sign up bonus. They offer like 5 free checking accounts and a safe deposit box. After a phone call with my Merrill Edge rep, I received 300 free trades the day the money funded, and c...
by NewOldGuy
Tue Jun 18, 2019 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC Options
Replies: 19
Views: 1767

Re: HELOC Options

We just closed, last week, a no cost $50K loan with US Bank, 20 years @ 4.94% fixed rate and fixed amount. This is not a HELOC.
by NewOldGuy
Tue Jun 18, 2019 11:42 pm
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 5390

Re: how is Home Depot's contractor service (for a water heater)?

Home Depot isn't cheap but they're thorough. Pan, straps, vent, hoses, expansion tank, city permit, are all included. They use a company called Fast Water in Southern California. https://www.fastwaterheater.com/service-areas/ca-los-angeles/orange-county/?utm_source=google&utm_campaign=gmb_orange&utm...
by NewOldGuy
Tue Jun 18, 2019 10:51 pm
Forum: Personal Investments
Topic: Pension Lump Sum amount drops after age 65
Replies: 20
Views: 1454

Re: Pension Lump Sum amount drops after age 65

My wife's MegaCorp pension calculator would default to larger interest rates, sometimes 1.5-2x the current rate, and that would crash the lump sum benefit 6 figures. Took a while to ignore that...
by NewOldGuy
Mon Jun 17, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 7817

Re: How to avoid high vet bills?

There are good vets and bad vets. Good vets are worth whatever they charge. Do you "replace" your kids if they have high medical bills? How about the spouse, is he/she out the door if they get costly? Dogs are not "children", nor are "children" dogs. I value people much more than animals. On the ot...
by NewOldGuy
Mon Jun 17, 2019 12:37 am
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 212
Views: 24508

Re: How have your homes as investments done?

We bought our first and only home near the height of the skyrocketing prime rate in 1981 (~20%). We offered $127K on a $140K listing and they took it. We were lucky to assume the sellers first mortgage of $45K at an unbelievably low rate of 8.5%. We then had to get a 2nd mortgage of $60K at 16%. We ...
by NewOldGuy
Sun Jun 16, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897201

Re: What's Your Credit Card Rewards Strategy?

+1 Yep, Airline bag fees and in-flight kids meals were reimbursed by BoA platinum for us last year for $200 which makes up for 2 cards AF of $190 The premium card has an annual fee while the BofA Travel rewards card offers 1.5% cash back on everything plus the .75 bonus without the annual fee. Am I...
by NewOldGuy
Sun Jun 16, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 13793

Re: With hindsight, what signs indicated you were about to lose your job?

I've been lucky my adult life, but when I was 18 unloading trucks manually one hot summer, the new employee to help me was the company VP's nephew. Being new myself, I knew my days were numbered... looking back, I think that number was about week. Pay was great, but the work environment was intolera...
by NewOldGuy
Sun Jun 16, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897201

Re: What's Your Credit Card Rewards Strategy?

BoA denied my second BoA premium card - the manager of BoA Credit approval dept says Visa put that restriction for BoA Visa Platinum... Thanks for the update and correction, FrugalProfessor. Next I suppose BoA could deny multiple cards from earning Platinum Honors benefits. I hesitate relying on on...
by NewOldGuy
Sat Jun 15, 2019 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Is Zelle functionality different between banks?
Replies: 13
Views: 2071

Re: Is Zelle functionality different between banks?

I have "Zelled" money to 3 different banks from BofA and they were all instantaneous. I do it monthly for payment on loans that I received a discount for auto-debiting the accounts. These 4 accounts all have my name attached, so you'd think it would be seamless. The one time I tried to Zelle back to...
by NewOldGuy
Fri Jun 14, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 10638

Re: Article on high deductible health plans - and the math

Up until this year, we've always used my wife's company HDHP as I was self employed. The deductible was $2500 and the company contributed $500 match to HSA. She was laid off, so this year we on the ACA Silver plan $450/mo. that has deductible 3x of her old companies, but miraculously does not count ...