Search found 1526 matches

by Carl53
Mon Apr 23, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 200
Views: 22967

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

CU

How many times a week are you checking your oil level? If multiple times per day, I wonder if the few drops on the dipstick, done multiple times could be causing you to underestimate the problem.
by Carl53
Mon Apr 09, 2018 5:10 am
Forum: Investing - Help with Personal Investments
Topic: Planning stage strategy and advise
Replies: 1
Views: 171

Re: Planning stage strategy and advise

Your plan to take a reduced pension for a large sum does not look too bad if you could take it out as pretax, roll it into an IRA and not touch it. To take it out at your age and pay taxes on it is pushing you into a much higher bracket. I don't think you will get much support for the annuity that y...
by Carl53
Sat Apr 07, 2018 5:05 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Disability Timing Question
Replies: 5
Views: 710

Social Security Disability Timing Question

A neighbor of ours has been determined to have a terminal cancer, 12 months with no treatment, perhaps an extra 6 months with treatment. He is undergoing treatment. I looked at some situations on SS & SS disability on this forum but want to lay out their situation for input on what their best course...
by Carl53
Mon Apr 02, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 42
Views: 3299

Re: Cleaning up new house before move in—getting rid of “cat smell”

Brother-in-law bought a neighborhood two story cat house after the owner passed. Ended up removing virtually every stick of wood to the outside walls. Repeated treatments of basement walls and floors with a special chemical were required. Also, new windows, additional bath and garage. Probably nette...
by Carl53
Mon Apr 02, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 90
Views: 10007

Re: Retire at 55, what's the magic number

When I retired at that age about 10 years ago, we had perhaps 10X final pay and 16 or 17X likely spending, if I had no pensions. I could see that my employer was on uncertain footing and had an opportunity to take early a couple of underfunded pensions under a levelized plan that would reduce their ...
by Carl53
Sat Mar 31, 2018 4:04 am
Forum: Personal Consumer Issues
Topic: New On-screen Guide for Direct TV
Replies: 17
Views: 1305

Re: New On-screen Guide for Direct TV

I took advantage of an upgrade to genie offer last year since we were having problems with our old box about the same time we ditched our old DSL service. We replaced the DSL with the ATT home phone (with data) option. This new option supposedly has a limit of 22GB per month before you are slowed do...
by Carl53
Wed Mar 28, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: Getting Furniture into a Basement
Replies: 39
Views: 2657

Re: Getting Furniture into a Basement

Our home has an outside stairwell leading to an exterior basement door. Very useful for patio furniture storage or other large items going to the basement. They did have to put a drain in at the landing. Small stuff goes via the inside stairwell, but I've never needed to disassemble anything to take...
by Carl53
Wed Mar 28, 2018 4:36 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 200
Views: 22967

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Today I thought I'd take another look after driving and getting the engine warmed up. To my great surprise, the oil level was barely up to the lower mark on the dipstick and smelled strongly of gasoline. Then I noticed that there is oil all around the top of the engine in the general area around wh...
by Carl53
Wed Mar 28, 2018 4:30 am
Forum: Investing - Theory, News & General
Topic: Retirees: Do you spend all your "income"?
Replies: 46
Views: 4266

Re: Retirees: Do you spend all your "income"?

If I count the TIRA conversion to Roth as income, as the IRS does, then we spend roughly 100% of our income to live on and pay the taxes on the conversion. If I were not to include the conversion income, it would be close to 200% of pension and nonretirement generated interest.
by Carl53
Mon Mar 19, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord LX ... is this a good deal?
Replies: 44
Views: 3554

Re: 2018 Honda Accord LX ... is this a good deal?

Following up on official fuel economy numbers, Honda has announced when the 2018 Honda Accord Hybrid midsize sedan goes on sale, and how much it will cost. It goes on sale on March 23, and it could cost you far less than the outgoing model, since Honda says the base model starts at a whopping $4,50...
by Carl53
Sat Mar 17, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 16482

Re: Bought house six months ago - now feeling like we're treading water and can't save money

A few decades ago we had a house payment that was a greater fraction of income than yours. House was cheaper but loan interest was 9.5%. Didn’t save much until my income started climbing in my mid thirties. Wife went to school on scholarships and then made good money for two years until kids came al...
by Carl53
Fri Mar 16, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7815

Re: Need for Medicare supplemental plan?

I was thinking about this as I have just signed up for Medicare and Supplemental. I went with the supplemental G for about $106 despite being quite healthy but do have a couple of doctor visits per year and use some medical supplies on a semi-regular basis, because of the threat that you might not b...
by Carl53
Thu Mar 15, 2018 5:15 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 200
Views: 22967

Re: My 2017 CRV is a victim of the dreaded oil gas dilution issue

Short drives particularly in cold weather may be hard on a vehicle, however, if I plunked down the $$$$$$ for a new vehicle, it better be able to do that if that is what I need as long as I service it properly. Leaking fuel into the oil does not meet the serviceability I would find acceptable, parti...
by Carl53
Thu Mar 15, 2018 5:09 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 200
Views: 22967

Re: My 2017 CRV is a victim of the dreaded oil gas dilution issue

Our family has owned a number of Honda/Acura vehicles over the years and generally found them reliable. None of these were purchased new. I do agree that when they have a design/manufacturing defect, which we have had two such experiences in our family (but only one brought to the dealers attention)...
by Carl53
Tue Mar 13, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Can I Retire??
Replies: 16
Views: 2919

Re: Can I Retire??

Hi all. I’m 56 yrs old and considering taking an early retirement package at work. Not happy in the job, and live too far away from significant other. I’m not sure if financially I’m ready to retire. I’ll be getting a severance package and pension that starts right away. I wouldn’t have to touch my...
by Carl53
Sun Mar 11, 2018 4:55 am
Forum: Personal Finance (Not Investing)
Topic: Dollar Savings Direct - 1.25% Savings
Replies: 20
Views: 4176

Re: Dollar Savings Direct - 1.25% Savings

For those with DSD Savings accounts, have they been bumping up the rates to match their higher rate offers for new money?
by Carl53
Sat Mar 10, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on Roth conversion
Replies: 6
Views: 737

Re: Taxes on Roth conversion

I realize this is very basic info, but just wanted to throw it out for thoughts/comments: I intend to begin converting $10K per year from my Defferred Comp account to a Roth account. Based on current pension income I should remain I the 10% tax bracket. Due to being a public service officer I can d...
by Carl53
Sat Mar 10, 2018 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard’s online RMD tool updated to facilitate QCDs
Replies: 21
Views: 1424

Re: Vanguard’s online RMD tool updated to facilitate QCDs

For those turning 70.5 late in the year, could it not work out if they let the QCD slide until early the next year even if they were going to do the same again in that year since they can delay the 70.5 RMD until the next year? That is of course assuming that they did not want to collectively donat...
by Carl53
Sat Mar 10, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Sump Pump Issues - What can I do, if anything?
Replies: 27
Views: 2578

Re: Sump Pump Issues - What can I do, if anything?

I've got a Zoeller pedestal pump that is north of 30 years old. We are at the top of a rise in one direction with a gentle grade in the others but with heavy clay soils. Even in droughts my sump pump will kick in a few times a day as I've been advised there are springs in the area. When we have mult...
by Carl53
Thu Mar 08, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard’s online RMD tool updated to facilitate QCDs
Replies: 21
Views: 1424

Re: Vanguard’s online RMD tool updated to facilitate QCDs

For those turning 70.5 late in the year, could it not work out if they let the QCD slide until early the next year even if they were going to do the same again in that year since they can delay the 70.5 RMD until the next year? That is of course assuming that they did not want to collectively donate...
by Carl53
Tue Mar 06, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Online customer review denied
Replies: 33
Views: 3633

Online customer review denied

I purchased a number of parts to replace the differential, transfer case and transmission fluids, filters and gaskets recently from a national retail supplier of automotive parts. Some of these were purchased from their online website since the part was not available locally. Subsequently I received...
by Carl53
Sun Mar 04, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Planning
Replies: 27
Views: 1874

Re: Roth Conversion Planning

Besides the positives for converting there are other considerations. 1. Should you ultimately need nursing home care or long term care or other major medical expense, one might have sufficient medical expenses to deduct them. Drawing needed funds from the TIRAs at that time might prove tax advantage...
by Carl53
Sat Mar 03, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Over 62 and waiting to claim Social Security? - Potential Fraud alert
Replies: 28
Views: 3196

Re: Over 62 and waiting to claim Social Security? - Potential Fraud alert

One interesting comment that the SS CSR made was that if one had their credit froze at the time of setting up myssa, one could contact them by phone and get a special pin rather than thawing your credit. Btw I used the callback feature rather than staying on hold.
by Carl53
Fri Mar 02, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Over 62 and waiting to claim Social Security? - Potential Fraud alert
Replies: 28
Views: 3196

Re: Over 62 and waiting to claim Social Security? - Potential Fraud alert

The CPA blog that the OP posted stated that the alternative means that was used to fraudulently access SS benefits was via Social Security Retirement/Medicare Benefit application, https://www.ssa.gov/retireonline/ . That link was how I recently set up my Medicare benefits. I thought it curious how I...
by Carl53
Wed Feb 28, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: Dehumidifier for humid basement. I want one that lasts.
Replies: 24
Views: 6438

Re: Dehumidifier for humid basement. I want one that lasts.

Resurrecting an old thread. The old portable Sears dehumidifier my parents had lasted for several decades. Likewise those owned by my inlaws. Even the one I purchased 30 years ago lasted 10 or more. The last one, a Danby, lasted less than two seasons before apparently losing it's coolant. I read onl...
by Carl53
Mon Feb 26, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2977
Views: 918499

Re: What Book Are You Currently Reading? Part VI

1453 by Roger Crowley. Its subtitle is 'The Holy War for Constantinople and The Clash of Islam and The West'. The final collapse of the Byzantium empire occurred when certain Europeans either captured or in some cases for personal gain transferred technology (building massive cannons) to the those ...
by Carl53
Mon Feb 26, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2977
Views: 918499

Re: What Book Are You Currently Reading? Part VI

1453 by Roger Crowley. Its subtitle is 'The Holy War for Constantinople and The Clash of Islam and The West'. The final collapse of the Byzantium empire occurred when certain Europeans either captured or in some cases for personal gain transferred technology (building massive cannons) to the those ...
by Carl53
Mon Feb 26, 2018 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Please help me save my parents' retirement
Replies: 33
Views: 4114

Re: Please help me save my parents' retirement

Fortunately or 'unfortunately', his pension will likely cause most (85%) of their SS benefits to be taxed. If they use up (and or convert to Roth) most of their pretax retirement accounts prior to taking SS (have him delay until 70), it is possible that their SS benefits will increase to a level whe...
by Carl53
Mon Feb 26, 2018 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Push with Tax Law Changes (Money Mag Article)
Replies: 23
Views: 2475

Re: Roth Conversion Push with Tax Law Changes (Money Mag Article)

While the OPs parents may very well itemize under the new tax code while working given their income, qualified charitable donations upon reaching 70.5 might prove valuable taxwise if they otherwise make charitable donations.
by Carl53
Sat Feb 24, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 42
Views: 4043

Re: How Secure Is Your Apartment

On the subject of safes, I think I'd prefer one big heavy one than multiple smaller ones. Any thoughts whether apartments would object to something around 300 pounds? Also, how much heat builds up inside safes? Would it get hot or humid enough to damage electronic devices stored inside? Unless you ...
by Carl53
Sat Feb 24, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Social Security question under old rules
Replies: 12
Views: 621

Re: Social Security question under old rules

Okay so let me be sure I understand: he would continue to collect under his own retirement record for the time being. I know that she wants to wait until age 70 and I believe that while she is waiting, he cannot collect spousal (because of the new rules). But in theory, after she claims at age 70, ...
by Carl53
Mon Feb 19, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 87
Views: 4014

Re: Misc Income [how to report with no 1099]

Spouse has helped out at the polls several times over the last few years. No 1099, no W2, no nothing other than a very modest check. I put it on line 21 and noted election worker. Basically a few bucks of thanks for volunteering when they were begging for help for a very, very long day and evening b...
by Carl53
Sat Feb 17, 2018 4:56 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2977
Views: 918499

Re: What Book Are You Currently Reading? Part VI

1453 by Roger Crowley. Its subtitle is 'The Holy War for Constantinople and The Clash of Islam and The West'. The final collapse of the Byzantium empire occurred when certain Europeans either captured or in some cases for personal gain transferred technology (building massive cannons) to the those t...
by Carl53
Fri Feb 16, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 83
Views: 12561

Re: Doctor wants Social Security number

I had one doctor that I did not provide SS for that later came back with it filled out on a later visit except that two digits were transposed. It was that way for years.
by Carl53
Wed Feb 14, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter’s College & Grad School Expenses -Nurse Practitioner
Replies: 51
Views: 3578

Re: Daughter’s College & Grad School Expenses -Nurse Practitioner

You are making $300k. Consider gifting each of your offspring $15k/year each year.
by Carl53
Tue Feb 13, 2018 5:48 am
Forum: Investing - Help with Personal Investments
Topic: Why not just do CDs and skip bonds?
Replies: 38
Views: 8059

Re: Why not just do CDs and skip bonds?

+1 - - I decided on a 7 year brokered CD ladder through Vanguard of FDIC insured with a death put (if I die, my wife gets the face value.) Disadvantage with a brokered CD is that if you need the funds before maturity, you can't return it to the bank, but have to sell on the open market and that usu...
by Carl53
Mon Feb 12, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: ? on new 2018 ax deduction changes re mileage and property
Replies: 10
Views: 482

Re: ? on new 2018 ax deduction changes re mileage and property

http://apps.washingtonpost.com/g/documents/business/read-the-full-gop-tax-bill/2678/ the following is from pg 622. Senate Amendment The Senate amendment suspends all miscellaneous itemized deductions that are subject to the two-percent floor under present law. Thus, under the provision, taxpayers ma...
by Carl53
Thu Feb 08, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: 30 yr tips auction 2/15: 1.0% yield?
Replies: 172
Views: 15341

Re: 30 yr tips auction 2/15: 1.0% yield?

gasman wrote:
Thu Feb 08, 2018 7:55 am
Dudley wrote:
Thu Feb 08, 2018 7:52 am
No. But I'm drawn to the 5yr TIPS at >0.5%
yup. been nibbling in this range.
Just did a conversion into some at 0.5% yield that mature in April 2022.
by Carl53
Thu Feb 08, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on getting advice, SS/Medicare/allocation
Replies: 22
Views: 1164

Re: Need advice on getting advice, SS/Medicare/allocation

Signed up for Medicare A and B the other day. I have an appointment with company my former employer hired to advise on medigap or advantage plans. I need to do this to get an annual $1400 stipend once my retiree insurance ends. Don’t know if their plans are any good.
by Carl53
Sun Feb 04, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: CCRC advice needed [Continuing Care Retirement Community]
Replies: 28
Views: 1764

Re: CCRC advice needed [Continuing Care Retirement Community]

When we were researching one for my inlaws, we found out that the facility had an A plan and a C plan. The C plan was perhaps $500 per month cheaper and a modest fee upfront. As you mention, they would be obligated to pay current daily rates should they need higher levels of care. My inlaws were in...
by Carl53
Sun Feb 04, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: CCRC advice needed [Continuing Care Retirement Community]
Replies: 28
Views: 1764

Re: CCRC advice needed [Continuing Care Retirement Community]

When we were researching one for my inlaws, we found out that the facility had an A plan and a C plan. The C plan was perhaps $500 per month cheaper and a modest fee upfront. As you mention, they would be obligated to pay current daily rates should they need higher levels of care. My inlaws were int...
by Carl53
Sun Feb 04, 2018 6:48 am
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 4203

Re: Amazon Stock - Can this giant be stopped?

I was recently surprised to end up purchasing transmission fluid from WalMart online instead of Amazon. Amazon sold 3 gal cases at 71.57 and 6 quart cases at 45.65 while Walmart sold individual gallons at under 18. Bought five gallons for about $88, instead of having to go with 6 gallons for $143. A...
by Carl53
Thu Feb 01, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: I BONDS Maturing in 2030
Replies: 42
Views: 2885

Re: I BONDS Maturing in 2030

The last five years my inlaws have been either cashing in savings bonds (all 4% minimum EE bonds) a few years early or making excess IRA withdrawals (did not want to do conversions as they had no Roths and did not want something else to think about) to a point just below where they owe any federal o...
by Carl53
Mon Jan 29, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 56
Views: 5817

Re: Help with paying off debt

Your loan documents should spell out how PMI can be disposed of. It all depends on your contract. Hopefully you do not have to refinance to get rid of it as that may very well offset much of the savings.
by Carl53
Mon Jan 29, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 income changed and wife no longer qualifies for ACA subsidy
Replies: 21
Views: 1596

Re: 2017 income changed and wife no longer qualifies for ACA subsidy

I am not well versed in ACA but looking at a table of tables of tax credits and premiums, the value of credit you quote at $782/month for just your spouse seems way high, particularly if your income is approaching $64000. Not sure at all how it works if you are on medicare and she is on ACA as to wh...
by Carl53
Sat Jan 27, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 77
Views: 6338

Re: What is a good flat rate cash back credit card?

The USA card looks pretty good, particularly if you like to churn cards given the $150 bonus. If not go for the bigger %. I've got a 2% card that is no longer 2% for new customers that originally only paid a $50 bonus. We use this for most of our purchases other than gas, grocery and special offers....
by Carl53
Wed Jan 24, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Help me help my GF with her Oppenheimer 403(b)...
Replies: 68
Views: 5512

Re: Help me help my GF with her Oppenheimer 403(b)...

Looking back through this thread and I do not see any expense ratios (ER). The 403 and 457 should provide someplace on their websites or in available documentation lists of investments containing past rates of return as well as ERs. Wellington may well be a great choice. The admiral version of the f...
by Carl53
Tue Jan 23, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Conversions Recommendation Please
Replies: 7
Views: 872

Re: Roth IRA Conversions Recommendation Please

Suggest you try out the RPM - Retirement Portfolio Model. You rmd’s from your 650k 401k will quickly grow to be a challenge, especially w.r.t. IRMAA. You have a few years to aggressively convert, in order to minimize the impact. I wish I had started my large conversions earlier. Really, spend a few...
by Carl53
Mon Jan 22, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 98
Views: 5069

Re: Going to one income-seeking testimonials

It wasn't part of my plan but spouse stayed home occasionally working part time/partnering in a local small business (paid about $1 per hour)/volunteering for twenty-five years after getting a masters in economics and two years of in a corporate position. Spouse later developed RA. Two kids, both we...