Search found 1909 matches

by Carl53
Fri May 29, 2020 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1563
Views: 142501

Re: Refinance Mega Thread

Just got 2.875 no closing costs on conforming 30 year fixed Mary Wagoner - Sibcy Cline Mortgage - mwagoner@scms-inc.com, was my loan officer and did a great job getting me locked quickly and more importantly effortlessly. They only do business the in ohio/indiana/kentucky tri-state area though. Any...
by Carl53
Sat May 23, 2020 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1563
Views: 142501

Re: Refinance Mega Thread

Son ended up going with LenderFI on a 30 year refinance. Better told him that they would not give the AMEX credit to him despite having an otherwise eligible AMEX card. Did they state why they wouldn't be able to give him the $2.5k Better credit? Did he not apply through the link originally? Otherw...
by Carl53
Wed May 20, 2020 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 1563
Views: 142501

Re: Refinance Mega Thread

Son ended up going with LenderFI on a 30 year refinance. Better told him that they would not give the AMEX credit to him despite having an otherwise eligible AMEX card.
by Carl53
Wed May 20, 2020 5:08 am
Forum: Personal Investments
Topic: Social Security Questions
Replies: 7
Views: 942

Re: Social Security Questions

1) My mom was born on Jun 11, 1954. She is still working today. But now I'm reading a bunch of articles that are giving conflicting information. Specifically that, there was a law passed in 2015 that closed this loophole, and now if you try to do spousal benefits: 1) It WILL start the clock on your...
by Carl53
Fri May 15, 2020 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12070

Re: Selling home - low ball negotiation

When we bought our current home 30 years ago, we bid nearly 30% below asking price and were not unexpectedly rejected. Not that the home was not worth more than we bid but it exceeded substantially what I was willing to afford and it had a pool, which I did not want. Fast forward a few months, we re...
by Carl53
Fri May 15, 2020 11:31 am
Forum: Investing - Theory, News & General
Topic: RedNeck/AllAmerica Bank 1.5%/1.75%
Replies: 3
Views: 495

Re: RedNeck/AllAmerica Bank 1.5%/1.75%

Used the MM account for over 10 years. Never used the debit card. A few years ago they raised the max from I think $35k to $50k above which the interest rate drops to much lower. I often fill it up and ignore it for an extended period. I use it to park cash to pay off various rewards CC which I plac...
by Carl53
Fri May 15, 2020 7:43 am
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4070

Re: New Brake Pads

There was discussion above about using $10 or $100 rotors. I had a 96 Accord, and was going through rotors every 20k miles or so. My son was working at Autozone at the time suggested ones that had some grooved heat dissipating features. Lasted more than 100k miles. YMMV.
by Carl53
Mon May 04, 2020 9:04 am
Forum: Personal Consumer Issues
Topic: Steel-framed Residential Entry Doors
Replies: 34
Views: 2381

Re: Steel-framed Residential Entry Doors

Hello, Does anyone have any experience in purchasing and/or installing residential steel-framed entry doors? I'm looking at upgrading our entry doors and found several systems from larger manufacturers such as Mastercraft and MMI (Jeld-Wen). However, other than some short Home Depot comments, I hav...
by Carl53
Thu Apr 30, 2020 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Minor regret with a 15-year mortgage
Replies: 26
Views: 2990

Re: Minor regret with a 15-year mortgage

You may be able to get a better rate than 3.25% but it looks to me that a lot of places offer higher refi rates than you currently are paying. It appears your original PI+PMI was about 1220/month, while you currently are paying about $1416 or less than $200 extra. If you can refi at 3.25% on a new ...
by Carl53
Thu Apr 30, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Minor regret with a 15-year mortgage
Replies: 26
Views: 2990

Re: Minor regret with a 15-year mortgage

You may be able to get a better rate than 3.25% but it looks to me that a lot of places offer higher refi rates than you currently are paying. It appears your original PI+PMI was about 1220/month, while you currently are paying about $1416 or less than $200 extra. If you can refi at 3.25% on a new 3...
by Carl53
Thu Apr 30, 2020 6:09 am
Forum: Personal Consumer Issues
Topic: Highlander or RAV4
Replies: 57
Views: 3250

Re: Highlander or RAV4

Sorry not on Highlander but interesting traction slip test on RAV4 and CRV. https://www.youtube.com/watch?v=6N6T1oF2Ee4 I did not see any RAV4/Highlander comparisons but here is a new one between Telluride and Highlander. https://www.youtube.com/watch?v=qQ0CWN8tDC0 My take on this video is that if y...
by Carl53
Sun Apr 19, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: Recommend a low cost CADD program
Replies: 11
Views: 480

Recommend a low cost CADD program

Many years ago I used Generic Cadd for sketches, simplistic designs, charts at work and had a copy at home that I enjoyed doing home layouts and modifications on. What similar low cost/free CADD software do BH recommend for light use that could generate PDFs or other readily sharable output?
by Carl53
Sat Apr 18, 2020 5:31 am
Forum: Non-US Investing
Topic: Banking ATM card with no international ATM fees and foreign exchange fees
Replies: 24
Views: 8174

Re: Banking ATM card with no international ATM fees and foreign exchange fees

We've had PenFed cards for better part of 10 years after reading about them on this forum. Currently have the Platinum Rewards card. The last few overseas trips I have made prepayments to this card so as to leave home with a negative balance of $1000 to $2500. When I make ATM withdrawals overseas, n...
by Carl53
Wed Apr 15, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 124
Views: 7823

Re: Mesh Wifi

Installed a Eero system with three units. Blink, simplisafe and Nexx systems worked with them, although had to chain an old 2.4 MHz router to one to keep a simplisafe camera online.
by Carl53
Wed Apr 15, 2020 8:42 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27192

Re: [Government stimulus payments]

It was in our account yesterday, 4/14. Son and DIL said their account said pending as of yesterday. Overseas daughter thought she would not get any due to high income. I suggested that depressed exchange rates might ultimately might provide a reduced benefit by the time she files in 2020. Good news ...
by Carl53
Fri Apr 10, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: Sump pump recommendations
Replies: 26
Views: 1645

Re: Sump pump recommendations

I considered putting in a water powered backup pump but my utility insists that I install a backflow preventer and pay to have a technician come out and test it annually. I declined. I have a 36 year old Zoeller pedestal pump. Last year I thought the switch failed in on position and they sent me a n...
by Carl53
Fri Apr 10, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: Water Filter-Reverse Osmosis on Countertop
Replies: 7
Views: 536

Re: Water Filter-Reverse Osmosis on Countertop

We've had a Kinetico unit for nearly 20 years. There is a couple of gallon expansion tank on the wall in basement with a couple of filters on it that need changing every 1 to 1.5 years. They installed a splitter on the output line. One goes to refrigerator and the other to a small spigot on the kitc...
by Carl53
Mon Apr 06, 2020 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Rural Home: Getting Hardwired?
Replies: 39
Views: 2646

Re: Rural Home: Getting Hardwired?

I actually have fiber in the front yard but am not allowed to be hooked to it as it supposedly goes to a large city some 20+ miles away. That is interesting! Do you know how it got there in the first place? ATT came through a few years ago and put it through in the ROW. https://www.bogleheads.org/f...
by Carl53
Mon Apr 06, 2020 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Rural Home: Getting Hardwired?
Replies: 39
Views: 2646

Re: Rural Home: Getting Hardwired?

OP, is the IP willing to run a mile of fiber for $9400? or is it already in front of the house. I sought to have a local cable company extend service about 150 feet across a rural road five years ago and was told they wanted to take a circuitous route, install a number of poles and charge $12500. I ...
by Carl53
Sat Apr 04, 2020 6:16 am
Forum: Personal Investments
Topic: Question on Social Security and Spousal Strategy
Replies: 25
Views: 1849

Re: Question on Social Security and Spousal Strategy

Question: 1. If I file for spousal benefits I can still change to my own SS benefit when I reach age 70 as per this assumption. 2. If I file for spousal benefits on my wife's SS now, do I still continue to receive the 8% annual increase on my own SS to age 70? 3. If my wife files for SS immediately...
by Carl53
Wed Apr 01, 2020 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Inheritors Need to Open an EJ Account to Access Inheritance?
Replies: 25
Views: 2069

Re: Inheritors Need to Open an EJ Account to Access Inheritance?

MIL had IRA CD at a locaL credit union. Inherited by three siblings late last year. They did not have to open new account with credit union to acquire assets. In fact all three chose to have funds transferred to new inherited IRA accounts at Vanguard. The empty IRA accounts were opened first and the...
by Carl53
Tue Mar 31, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Tipping in new reality?
Replies: 80
Views: 4658

Re: Tipping in new reality?

A waitress at a local restaurant that is now helping prepare food and bringing out take out orders to patrons related how she has been brought to tears with the generosity of patrons at this time. Despite far fewer customers her income is being maintained due the substantial tips she has been receiv...
by Carl53
Thu Mar 26, 2020 2:15 pm
Forum: Personal Investments
Topic: Anyone using Transferwise
Replies: 28
Views: 1144

Re: Anyone using Transferwise

My daughter is in Australia and uses Transferwise for international transfers. However, she is on an Ally account with me, and reports that with Ally she is stuck with using a wire transfer instead of Transferwise. I have used Transferwise with Ally checking as the target account. Source was an acc...
by Carl53
Thu Mar 26, 2020 12:57 pm
Forum: Personal Investments
Topic: Anyone using Transferwise
Replies: 28
Views: 1144

Re: Anyone using Transferwise

We want to sent some money to my wife's accounts in Thailand. She has an account at Ally Bank and an account at the NY Branch of the Bangkok Bank. Ally does not offer IAT format ACH Transfers, which is the required format for Bangkok Bank to receive the ACH funds. I've never heard of Transferwise a...
by Carl53
Wed Mar 25, 2020 4:33 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 279
Views: 21014

Re: Are you still going to the grocery store or using a delivery service? Which?

Never previously used delivery or curbside until last Friday when Instacart delivered some items from Krogers. I was somewhat disappointed with the service. Individual delivering items said that his wife usually did it but she was home with sick Mom. Several items meat items that I ordered that were...
by Carl53
Tue Mar 24, 2020 4:26 am
Forum: Personal Finance (Not Investing)
Topic: Attn: Social Security Experts **question**
Replies: 33
Views: 3196

Re: Attn: Social Security Experts **question**

I will turn 70 in May. I had planned to visit the local SSA office in April to apply, with the first payment hitting my account in July. I am currently on an overseas business trip and due to the Covid-19 situation all airline flights into/out of the region are cancelled. Not worried about my healt...
by Carl53
Mon Mar 23, 2020 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion planning in a bear market
Replies: 63
Views: 4306

Re: Roth conversion planning in a bear market

Like others, did the bulk of our conversions in early January. Sure miss the recharacterization option, but am really glad I did not go above the 12% bracket in the conversion.
by Carl53
Fri Mar 13, 2020 6:30 pm
Forum: Investing - Theory, News & General
Topic: Why are BND and VBTLX so divergent?
Replies: 4
Views: 407

Re: Why are BND and VBTLX so divergent?

Your thread did not come up when I searched for the topic and subsequently resurrected this following old thread.
viewtopic.php?f=10&t=156181&newpost=509 ... ead#unread
by Carl53
Fri Mar 13, 2020 6:15 pm
Forum: Investing - Theory, News & General
Topic: VBTLX vs. BND
Replies: 23
Views: 2607

Re: VBTLX vs. BND

Pretty big discrepancy today. VBTLX is down 0.53% with BND up 4.22% today. I know that there is a difference in NAV and Market Price, but if one bought at the close of yesterday and sold at the close today would not you have been nearly 5% better with BND?
by Carl53
Sun Mar 08, 2020 3:32 pm
Forum: Personal Investments
Topic: Parents retiring with $500k saved - Things look OK?
Replies: 83
Views: 9912

Re: Parents retiring with $500k saved - Things look OK?

Lalamimi wrote:
Fri Mar 06, 2020 8:34 pm
Not sure it this has been mentioned but your dad can draw spousal SS off your mother's SS until he turns 70, then draw his own. Probably won't be much but its just sitting there.
+1
by Carl53
Thu Mar 05, 2020 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: The SECURE Act and QCDs
Replies: 26
Views: 1426

Re: The SECURE Act and QCDs

However, for someone who does not itemize, does not (yet) have RMDs, and doesn't need to draw from the tIRA for expenses, donating cash or donating via QCD leave you in the same place tax-wise. (Aside from slightly smaller future RMDs.) I disagree. Let's say I want to donate $1000 to a charity. I h...
by Carl53
Mon Mar 02, 2020 3:05 pm
Forum: Personal Investments
Topic: Portfolio set-up for my sister-in-law
Replies: 4
Views: 297

Re: Portfolio set-up for my sister-in-law

I'd go with Roth to take advantage of the 12% brackets unless she can get her AGI down to $32000 by TIRA and other means to allow the Retirement Savers Credit to kick in. TIRA would be the only option to reduce her 2019 income. The most it would be worth to her is a $200 tax credit.
by Carl53
Mon Feb 17, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard's Automatic RMD Service, QCDs, and Other Withdrawals
Replies: 45
Views: 2609

Re: Vanguard's Automatic RMD Service, QCDs, and Other Withdrawals

I just use the RMD service to calculate the amount of my RMDs. Can you give a quick example of how you do this? From the Accounts menu, select "Retirement contributions, distributions & RMDs". Then pick RMD. There will be a set of questions to set up a TIRA RMD determination. For my spouse who had ...
by Carl53
Sun Feb 16, 2020 8:04 am
Forum: Personal Consumer Issues
Topic: How would you repair this outdoor drain?
Replies: 8
Views: 1129

Re: How would you repair this outdoor drain?

What kind of drain is this? Does water enter the drain from the top and get carried away by the black pipe? Or vice versa? Does water percolate through the bottom (ie is there a dry well or similar underneath)? Does the water come from the black pipe, enter the “basin”, then come up and through the...
by Carl53
Sat Feb 08, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Date Decision, Pros & Cons (Feds)
Replies: 9
Views: 921

Re: Retirement Date Decision, Pros & Cons (Feds)

Go with 5/31. I worked for a government contractor (private pension). HR asked me to pull up my departure a few days to coincide with the end of a pay period (not the end of the month). While I was assured that it would not impact the $ amount of the pension, a few months later I had a claw back tak...
by Carl53
Sat Feb 01, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9203

Re: Suggestions for wife's new luxury (or non luxury) SUV????

I find the new 2020 Toyota Highlander to have a good capability, reasonable looking front grill, and should offer the build and reliability Toyota is known for (it's a newer design for 2020). It is built on car based unibody chassis but has 5000 lb towing capacity with the optional tow package. I t...
by Carl53
Sat Feb 01, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse's VG 1099R assigned to me
Replies: 8
Views: 484

Re: Spouse's VG 1099R assigned to me

Not sure if this was a VG or TT problem. Did you talk to VG about the problem? I realize the easy solution was to manually change it. But getting the problem fixed for others, and for you in later years is valuable to all. It is hard to fix a problem if you don't know it exists. I did alert VG by m...
by Carl53
Fri Jan 31, 2020 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Spouse's VG 1099R assigned to me
Replies: 8
Views: 484

Re: Spouse's VG 1099R assigned to me

Not sure if this was a VG or TT problem. Did you talk to VG about the problem? I realize the easy solution was to manually change it. But getting the problem fixed for others, and for you in later years is valuable to all. It is hard to fix a problem if you don't know it exists. I did alert VG by m...
by Carl53
Fri Jan 31, 2020 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Spouse's VG 1099R assigned to me
Replies: 8
Views: 484

Spouse's VG 1099R assigned to me

We both have full access to each others VG accounts. When I had TT download the 1099s from VG the first TT estimate of taxes were a surprise. The federal taxes were within a couple of dollars, but the state taxes were over $500 higher. I found a large state tax credit not being included. It resulted...
by Carl53
Mon Jan 27, 2020 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategy WEP And Survivor Benefit
Replies: 9
Views: 693

Re: Social Security Strategy WEP And Survivor Benefit

Is your wife's pension inflation adjusted? If not, consider waiting until age 70 since should you die the SS benefit would likely grow enough to not be entirely wiped out by GPO.
by Carl53
Sat Jan 25, 2020 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Secure Act and 529 Use for Loan Repayments
Replies: 5
Views: 598

Secure Act and 529 Use for Loan Repayments

We had a recent lengthy thread on the SECURE act and several noted contemplated being able to take advantage of creating 529s for themselves and paying off 10K in student loans. The text of the SECURE act on this is as follows. SEC. 302. EXPANSION OF SECTION 529 PLANS. (a) Distributions For Certain ...
by Carl53
Thu Jan 23, 2020 1:42 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26568

Re: Sad news: LadyGeek's husband has passed

Thank you for sharing and my condolences go out to you.
by Carl53
Sun Jan 19, 2020 7:34 am
Forum: Investing - Theory, News & General
Topic: Not Experiencing Any Problems With Vanguard
Replies: 90
Views: 7151

Re: Not Experiencing Any Problems With Vanguard

In general I'd say customer service rep, including flagship rep, service has declined at Vanguard. However, I bought a new windows 10 desktop a week or so ago and ran into some issues with VG logins that VG resolved for me. My spouse and I both login our VG accounts from the same desktop. I have my ...
by Carl53
Sun Jan 19, 2020 7:15 am
Forum: Investing - Theory, News & General
Topic: VG Monthly Statements Are HORRIBLE!
Replies: 97
Views: 8472

Re: VG Monthly Statements Are HORRIBLE!

I kind of wish I never set up any brokerage accounts, which I did a number of years ago when we were doing the horse race Roth conversions. No longer were our annual household statements complete picture of what went on that year. I think we now get two or three statements that are incomplete as far...
by Carl53
Mon Jan 13, 2020 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Disclaiming tIRA as an estate planning tool
Replies: 4
Views: 559

Re: Disclaiming tIRA as an estate planning tool

I kind of like the thought of this. Our kids are already listed as secondary beneficiaries on our ever growing Roths (thanks to annual conversions) that we most likely will never touch. I view these as the best choice of funds to disclaim as it is likely the kids will be in a higher tax bracket than...
by Carl53
Mon Jan 13, 2020 5:53 pm
Forum: Investing - Theory, News & General
Topic: Retirement savings guidelines by age
Replies: 31
Views: 3664

Re: Retirement savings guidelines by age

A long time ago, I had a goal of 10X annual pay. Pay went up a lot and so did savings. When I pulled the plug (and watched my portfolio dramatically decline in 2008) I had about that 10X pay factor. Plus I figured that I had no more college expenses, no need to make large 401k contributions. Also, m...
by Carl53
Mon Jan 13, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Updating breaker box from 1970's - AFCI
Replies: 29
Views: 2483

Re: Updating breaker box from 1970's - AFCI

I find the concept of you need to meet the latest Code, a bit of over-reach. Some advocate making changes today to avoid complying with new expected Code changes. What about the next year when somebody decides every non-compliant structure needs retrofitted? There are homes out there with knob and t...
by Carl53
Sat Jan 11, 2020 6:46 pm
Forum: Personal Investments
Topic: Roth IRA Conversion tax free?
Replies: 16
Views: 1666

Re: Roth IRA Conversion tax free?

Thanks, friends, for your very helpful comments. The point at which taxation of SS kicks in was not a factor I was looking at. As always, this board has been helpful not only in the accumulation phase, but now the spend-down phase. I had not figured that would be as complex. I came across this exce...
by Carl53
Sat Jan 11, 2020 5:57 pm
Forum: Personal Investments
Topic: Inherited RMD Reminders
Replies: 20
Views: 1361

Re: Inherited RMD Reminders

My spouse and siblings got their inherited IRAs set up at VG in mid December and funded on 12/30. When we looked at the online RMD there was a warning that VG needed to be called since their had been multiple beneficiaries. Turned out to be nothing when the rep came up with the same number I had. Sp...
by Carl53
Fri Jan 10, 2020 5:07 pm
Forum: Personal Investments
Topic: Roth IRA Conversion tax free?
Replies: 16
Views: 1666

Re: Roth IRA Conversion tax free?

It depends on your SS income. With 16k in non-SS income, you could have about $68700 in SS income and pay no income tax, assuming you are both 65. Nearly 11k of the SS would be taxable but in the zero bracket. With $30k in SS, you could convert $7933 without paying federal income tax despite $3467 o...