Search found 993 matches

by fsrph
Tue Dec 11, 2018 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Stock acquired - How much tax will I owe?
Replies: 4
Views: 581

Re: Stock acquired - How much tax will I owe?

Yes, both companies are publicly traded. It involves Cigna's acquisition of Express Scripts. The merger consideration will consist of $48.75 in cash and 0.2434 shares of stock of the combined company per Express Scripts share. I own Express Scripts stock. I acquired the stock originally when Merck s...
by fsrph
Mon Dec 10, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Stock acquired - How much tax will I owe?
Replies: 4
Views: 581

Stock acquired - How much tax will I owe?

I own a stock that is being acquired for cash and stock in another company. Ive held this stock for years. Let's say my original cost basis in the stock is 25K. Say I would be receiving from the acquiring company 35K in cash + some shares in the new company. My question is how is the 35K handled for...
by fsrph
Fri Dec 07, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 46
Views: 3356

Re: Root Canal - dentist or endodontist

Although some general dentists may be able to do it, I'd choose an Endodontist every time.

Francis
by fsrph
Thu Dec 06, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell farmland to coal company?
Replies: 33
Views: 1994

Re: Should we sell farmland to coal company?

You need current appraisal of your land. The coal company may offer you 200% of the value of the land but they may have a lowball apprasial number. Until you get a firm dollar number from the coal company you don't know what they are offering. But if they truly are giving you double what the land is...
by fsrph
Wed Dec 05, 2018 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Managing ACA income with a Vanguard Variable Annuity
Replies: 17
Views: 1383

Re: Managing ACA income with a Vanguard Variable Annuity

For those of us following the thread and not being familiar with the cutoffs, can someone please summarize the income limits and what counts toward income as far as ACA subsidies? Thanks in advance. gasdoc The ACA uses MAGI for what your income is -http://www.healthreformbeyondthebasics.org/wp-cont...
by fsrph
Tue Dec 04, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Managing ACA income with a Vanguard Variable Annuity
Replies: 17
Views: 1383

Re: Managing ACA income with a Variable Annuity

A VA would include additional pitfalls if there is any chance you would need a distribution from it while still under the ACA. Any distributions come first from gains which increases MAGI. The amount of gain or loss is of course not easily predictable in most VA sub accounts. And any distributions ...
by fsrph
Tue Dec 04, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Managing ACA income with a Vanguard Variable Annuity
Replies: 17
Views: 1383

Re: Managing ACA income with a Variable Annuity

What I am considering is a variable annuity with some of the CD money. Generally variable annuities aren't favored in this community, I'm guessing that's because of their fees. I wouldn't put CD money in a variable annuity. That's adding risk to risk-free funds. A fixed deferred annuity *may* be mo...
by fsrph
Sun Dec 02, 2018 10:26 pm
Forum: Investing - Theory, News & General
Topic: Penfed raises certificate rates 12/1/18
Replies: 25
Views: 3011

Re: Penfed raises certificate rates 12/1/18

I'm surprised to see https://www.depositaccounts.com/ is not currently up to date on PenFed rates. I guess I need to start checking the individual banking sites if I want the latest accurate rates. This was posted on Depositaccounts.com on Sat, Dec 1st on their blog. https://www.depositaccounts.com...
by fsrph
Sun Dec 02, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: Penfed raises certificate rates 12/1/18
Replies: 25
Views: 3011

Re: Penfed raises certificate rates 12/1/18

Hmmm...I was going to roll one of those older PenFed CDs into a Navy Federal 2 year 3% cert but not sure which is better. (PenFed has a 2.95% 2 year but with a harsher EWP than NFCU.) Yep, I'm going through the same thought process as DW's PenFed CDs close in on maturity. We've been eyeing those NF...
by fsrph
Sat Dec 01, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Managing ACA income with a Vanguard Variable Annuity
Replies: 17
Views: 1383

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. That's a good suggestion. Thanks.That might work for one year. I'm thinking about the next six years till I ...
by fsrph
Sat Dec 01, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Managing ACA income with a Vanguard Variable Annuity
Replies: 17
Views: 1383

Managing ACA income with a Vanguard Variable Annuity

I'm income planning for qualifying for an ACA subsidy in 2019. I have a good amount of CDs in taxable (changed some bond holdings to CDs a few years ago). Between the CDs (about 30k per year), dividends and the rising yields of tax free bond funds I'm a few thousand dollars over the ACA cliff. What ...
by fsrph
Fri Nov 30, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8638

Re: How did YOU choose your career?

When I was in high school I took an aptitude test and the recommendation was I should be a farmer in Yuma, Arizona. Did I follow that? No. I was accepted into two health care professional schools and I chose pharmacy. Decades later this profession allowed me to be easily FI. After all these years I'...
by fsrph
Thu Nov 29, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: How Important is FDIC Insurance
Replies: 20
Views: 1711

Re: How Important is FDIC Insurance

Did you look on https://www.depositaccounts.com/blog/ for CD alternatives? Francis The rates for business CD's are different than for personal CD's Many banks don't offer business CD's and many don't list the rates for business CD's on their website, so I am having to call each bank individually to...
by fsrph
Thu Nov 29, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: How Important is FDIC Insurance
Replies: 20
Views: 1711

Re: How Important is FDIC Insurance

If you are truly over the FDIC limits I would not leave the extra money there. Did you look on https://www.depositaccounts.com/blog/ for CD alternatives? I quickly checked some of TIAA's CD rates and they are decent. But, unless you qualify for a special rate there are many other equal, if not bette...
by fsrph
Wed Nov 28, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Are CDs taxed each year or at maturity?
Replies: 15
Views: 1989

Re: Are CDs taxed each year or at maturity?

You will receive a 1099-INT showing the amount of interest paid during the tax year. If a multi-year CD doesn't pay interest until maturity, there will be no taxable interest paid until maturity. Wouldn't how the interest is paid (monthly, quarterly, annually, at maturity) affect the APR? Does anyo...
by fsrph
Sat Nov 17, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5450

Re: fuel for snowblower

There are a lot of comments saying ethanol is ok. Call a small engine tech and ask them - they see problems all day everyday because of ethanol. Or call a boat service center - they see it too when boats sit for long periods without running. I have no access to ethanol free fuel and add Star-Tron t...
by fsrph
Wed Nov 14, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Buying Property - 20 or 25% down?
Replies: 6
Views: 524

Re: Buying Property - 20 or 25% down?

I'd go with 25% down assuming you have the funds available. I see your point that if you went with 20% down investment returns on the other 5% may be greater. But no one knows that, what if there is an extended bear market? I'd rather put down 25% and have the lower mortgage payments.

Francis
by fsrph
Tue Nov 13, 2018 2:36 am
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 37
Views: 3234

Re: Any space heaters that automatically maintain a temperature in a room!

Many heaters will maintain the temperature. Looks for units with a thermostat. I use a Pelonis infrared heater similar to https://www.amazon.com/Pelonis-Infrared-Quartz-Adjustable-Thermostat/dp/B075Q9NCD7 . You set the sliding heat setting to a desired level. If the temperature rises the heater shut...
by fsrph
Sun Nov 04, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18450

Re: Vanguard website "unavailable during weekend of Nov 3"

I was able to log on to my Vanguard account. Didnt clear cookies or cache. With a quick glance didn't notice any changes.

Francis
by fsrph
Thu Nov 01, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: ACA application with having current insurance (but plan to lose it)
Replies: 5
Views: 383

ACA application with having current insurance (but plan to lose it)

I currently have employer health insurance It seems like you need to lose your current health insurance before you submit the ACA application. The application says the loss of insurance must be before today's date. I know you can preview plans but I'm asking about actually applying for coverage. I w...
by fsrph
Sun Oct 21, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Retire now or in the Spring. - changing work conditions
Replies: 36
Views: 4076

Retire now or in the Spring. - changing work conditions

I had a plan to fill up my 401k in the spring of 2019 and retire. However, recent work changes involve me, beginning in mid December, covering the work areas of at least two people in areas that I have not worked in for decades. It will be high stress, low reward work. You may need to know a little ...
by fsrph
Thu Oct 18, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8617

Re: When to change tires; and what brand

My independent garage recommended Mastercraft tires. They are manufactured by Cooper and seem to be holding up well. My driving is split between two cars and yearly mileage is low. Often my tires are replaced due to dry rot rather than wear.

Francis
by fsrph
Fri Oct 12, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2842

Re: TV recommendation for my father

Momus wrote:
Fri Oct 12, 2018 4:02 pm

Just buy a roku $50 if you want a smart TV later.
Exactly. I bought a Samsung plasma non smart TV for myself. Added a Sony Blu-ray player and it streams great. I wish plasmas were still made.

Francis
by fsrph
Fri Oct 12, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2842

Re: TV recommendation for my father

I didn't give a price range because if my father plans to watch in SD does the TV matter? I think perhaps it's best to upgrade to Verizon HD so the TVs resolution can be enjoyed. I saw TCL TVs in stores and liked their specs but I wasn't familiar with the brand. Francis at some point, price always ...
by fsrph
Fri Oct 12, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Key West Hotels
Replies: 27
Views: 1897

Re: Key West Hotels

The Casa Marina is beautiful and near Old Town. Expensive but so is most everything near Duval Street.


http://www.casamarinaresort.com

Francis
by fsrph
Fri Oct 12, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2842

Re: TV recommendation for my father

One other thing I ran into is some new TVs don't come with a tuner. If you want to watch with an antenna I suppose you have to buy a tuner too. Francis Technically, you can't market something as a tv if it doesn't have a tv tuner, but Vizio and others have items called 'displays' or 'tuner free dis...
by fsrph
Fri Oct 12, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2842

Re: TV recommendation for my father

One other thing I ran into is some new TVs don't come with a tuner. If you want to watch with an antenna I suppose you have to buy a tuner too.

I also want to make a correction. I was mistaken, my father's cable is with Comcast not Verizon.

Francis
by fsrph
Fri Oct 12, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2842

Re: TV recommendation for my father

You did not give a price range. if you just want a very good "budget" pick, would suggest the TCL 6-series on sale at amazon and best buy. it will run ~$650 for a 55" screen. yes, it may have more smart TV stuff built in than he needs (has Roku's operating system) but the picture quality to price r...
by fsrph
Fri Oct 12, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2842

Re: TV recommendation for my father

I applaud your efforts. I suspect the simpler the set up & remote the better. I extensively researched newer tv's about 3-5 yrs back. A 120/refresh rate was selected & optimum then, I'd suspect you want to research the best available today, 240, maybe? Samsung/Vizio were two of the top selections. ...
by fsrph
Fri Oct 12, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2842

Re: TV recommendation for my father

I'd try and get him HDTV, its a huge improvement. TVs I can't help with, I still love my plasma tvs. I think this might be the answer. If he will be watching SD TV on a new HDTV and the black bars are present he won't like it. I have a Samsung plasma. It was reasonably priced and the picture is ter...
by fsrph
Fri Oct 12, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2842

Re: TV recommendation for my father

I am just a bit curious why he doesn't want to use the HDMI output from the FIOS box. Just asking. There is no cost involved and FIOS automatically tunes to the HD version of each channel. It's actually difficult I found to find the SD versions of any channel that carries HD. You say he is not inte...
by fsrph
Thu Oct 11, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2842

TV recommendation for my father

Looking for TV recommdations. This TV would be for my father. He is elderly and enjoys watching sports and TV shows. Criteria: He has no interest in using the TV to connect to the internet. He would watch thru Verizon standard definition. I would see if he would try a high def feed from Verizon but ...
by fsrph
Fri Oct 05, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: Senate FCU 60 month CD - 3.63%
Replies: 17
Views: 2273

Re: Senate FCU 60 month CD - 3.63%

I decided to go for the 7 month 2.5% CD at Northwest. Figure there's a very reasonable chance rates will be higher then. Francis Thanks for bringing this CD to my attention. Like you, my 3 year 3% cd is maturing and I was wondering what to do with the proceeds. This CD doesn't show up on depositacc...
by fsrph
Thu Oct 04, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: Senate FCU 60 month CD - 3.63%
Replies: 17
Views: 2273

Re: Senate FCU 60 month CD - 3.63%

I decided to go for the 7 month 2.5% CD at Northwest. Figure there's a very reasonable chance rates will be higher then.

Francis
by fsrph
Wed Oct 03, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: Senate FCU 60 month CD - 3.63%
Replies: 17
Views: 2273

Re: Senate FCU 60 month CD - 3.63%

Thanks for your well thought out reply Kevin. And also thanks for all your other posts on CDs. I've learned a lot from them. I had a CD just come due at Northwest and was considering the Senate deal. I was hoping the NASA 3.25% deal was still there but it isn't. I think I might just leave it at Nort...
by fsrph
Wed Oct 03, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: Senate FCU 60 month CD - 3.63%
Replies: 17
Views: 2273

Senate FCU 60 month CD - 3.63%

Found this CD today. Anyone considering it? Is the rate enough of a premium to commit money for 60 months?

https://www.depositaccounts.com/banks/u ... cu/offers/

Francis
by fsrph
Tue Sep 25, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6160

Re: Oil change interval for low-mileage vehicles

TxAg wrote:
Tue Sep 25, 2018 2:04 am
I've asked mechanics the same question and was told once per year. It has worked well for me.
I have two cars and drive each one about 4500 miles a year. My independent repair shop also recommends once a year oil changes.

Francis
by fsrph
Fri Sep 21, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1713

Re: Thinking of selling my car

The car is due for a major routine $500-ish service in November (service is every 6 months) so everything including the battery will be checked, I'll definitely keep that point in mind. $500 for routine the routine service for a three year old car sounds very excessive. If you are just taking it to...
by fsrph
Fri Sep 07, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Certified Pre-Owned Cars (CPO): Is this normal?
Replies: 30
Views: 2568

Re: Certified Pre-Owned Cars (CPO): Is this normal?

Very shady in my opinion. Car advertising was deceptive. Should never have been advertised as certified if what they meant was it can be certified for an additional fee. Would not patronize this dealer again.

Francis
by fsrph
Sun Sep 02, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: first round ticket to US Open Tennis 2019
Replies: 17
Views: 1610

Re: first round ticket to US Open Tennis 2019

I have made it my goal to go see Serena Williams play in the first round of the US Open Tennis 2019. How do I know which match she will be playing and buy the ticket for that? What would be the price to tickets? I have never been to a professional sporting event! This is a year from now. If she is ...
by fsrph
Mon Aug 27, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4342

Re: Shingrix [Vaccine availability]

60 years old is the age when it is recommended and likely to be covered by insurance. That is when Kaiser covered my shot. Actually the CDC and the Shingrix package insert recommend vaccination at age 50 and above. However, with so many insurance plans out there you have to check with your plan as ...
by fsrph
Sun Aug 26, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4342

Re: Shingrix [Vaccine availability]

Is there any positive effect in restarting with the first if you can't get the second shot, assuming they are different? Any harm in taking an infinite number of the first shot? The first and second shots are identical. The second shot should be given between two and six months after the first one....
by fsrph
Wed Aug 15, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 2179

Re: Sidewalk repair - price in line?

Our town comes around and marks sidewalk sections that need replacing. They are roughly 3" by 5". Everything I've read/heard around town is that finding a contractor to come replace one sidewalk rectangle is nearly impossible. Such a small job isn't worth their time. Supposedly the best way to hand...
by fsrph
Wed Aug 15, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 2179

Re: Sidewalk repair - price in line?

Get 3 quotes. There's another thread about taxes in FL being low. I guess cities don't maintain sidewalks in Florida. Apparently OP has already tried to do this. Please suggest ways of getting 3 quotes when contractors don't bother to bid. You are correct. Only one contractor submitted a bid. Well,...
by fsrph
Tue Aug 14, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 2179

Re: Sidewalk repair - price in line?

City gave us a code violation for cracks in three sidewalks. The property in in S. Florida. I requested a few estimates and only one contractor responded. He wants to obtain a city permit, remove the old walks and replace them. The three sidewalks to be replaced are 8 x 4 feet each. I realize there...
by fsrph
Tue Aug 14, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 2179

Re: Sidewalk repair - price in line?

City gave us a code violation for cracks in three sidewalks. The property in in S. Florida. I requested a few estimates and only one contractor responded. He wants to obtain a city permit, remove the old walks and replace them. The three sidewalks to be replaced are 8 x 4 feet each. I realize there...
by fsrph
Tue Aug 14, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Sidewalk repair - price in line?
Replies: 32
Views: 2179

Sidewalk repair - price in line?

City gave us a code violation for cracks in three sidewalks. The property in in S. Florida. I requested a few estimates and only one contractor responded. He wants to obtain a city permit, remove the old walks and replace them. The three sidewalks to be replaced are 8 x 4 feet. I realize there's reg...
by fsrph
Sat Aug 11, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6944

Re: "Dollar Tree Store" favorites

The toothpaste and deodorant and buy from their is the same product and cheaper per ounce then Target. Good luck. No, dollar store toothpaste is not the same product that you can buy at Target: https://www.snopes.com/fact-check/dollar-store-toothpaste/ Again, I don't recommend buying anything at a ...
by fsrph
Sat Aug 11, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6944

Re: "Dollar Tree Store" favorites

Oatmeal trailbars, greetings cards, reading glasses, Beer nuts, generic Zrytec (14 tabs for$1), cooking pans, oven cleaner, writing tablets, cleaning supplies, Chex mix.

Francis