Search found 149 matches

by mikeast
Sun Jul 01, 2018 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Experienced with Credit Card Fraud ? Need Advice
Replies: 21
Views: 2305

Anyone Experienced with Credit Card Fraud ? Need Advice

Hello Diehards, Recently a fellow employee where I work went into my personal area and accessed a couple of my credit/debit cards. This person made charges totalling almost 2k and it took about 8 weeks to figure out who it was doing it. He has been fired from his job and I have been reimbursed by my...
by mikeast
Sun Feb 11, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: what to look for when buying a flipped house
Replies: 27
Views: 2629

Re: what to look for when buying a flipped house

I thinks its critical that you take the time to find a really good home inspector. Most of them don't seem to be worth their fees. And if your working with a buyer's agent like I did, get rid of them during the inspection. Mostly I wanted to add that its not just house flippers who are trying to get...
by mikeast
Mon Dec 11, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Tax Consequences of Un-Jointing a Joint Account
Replies: 19
Views: 1339

Re: Tax Consequences of Un-Jointing a Joint Account

Thanks All ! I appreciate ALL responses. Yes, the reason we might want to do this IS a little sensitive. I will certainly call Vanguard. We can't divide this account if it will require the sale of taxable shares. Most of these shares were bought when the S&P 500 was in the 1000-1200 range so the ta...
by mikeast
Mon Dec 11, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Tax Consequences of Un-Jointing a Joint Account
Replies: 19
Views: 1339

Re: Tax Consequences of Un-Jointing a Joint Account

Thanks All ! I appreciate ALL responses. Yes, the reason we might want to do this IS a little sensitive. I will certainly call Vanguard. We can't divide this account if it will require the sale of taxable shares. Most of these shares were bought when the S&P 500 was in the 1000-1200 range so the tax...
by mikeast
Mon Dec 11, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Tax Consequences of Un-Jointing a Joint Account
Replies: 19
Views: 1339

Re: Tax Consequences of Un-Jointing a Joint Account

Are the owners related and who furnished the original consideration? Gill Yes, husband and wife. Husband (me) established the account years ago. We're exploring the idea of keeping our finances separate and this one account is the only issue. It would have to be divided in half with each half havin...
by mikeast
Mon Dec 11, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Tax Consequences of Un-Jointing a Joint Account
Replies: 19
Views: 1339

Tax Consequences of Un-Jointing a Joint Account

Thinking about dividing a sizable joint taxable account among the two owners. The account is all in Vanguard TSM.
Can this be done without selling shares and creating a taxable event ?

Thanks
by mikeast
Mon Apr 24, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: DIY Yard Tick Spray?
Replies: 32
Views: 3131

Re: DIY Yard Tick Spray?

I use Triazicide as well. I live in a heavily wooded area in the South and ticks are always an issue. I also give my beagle Nexgard and
it works beautifully. If I do find a tick on her it's always dead and never engorged.
by mikeast
Thu Mar 30, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: BEHR Premium Deckover
Replies: 12
Views: 3590

Re: BEHR Premium Deckover

These acrylic deck resurfacers (Behr Deck Over, Olympic Rescue It, and especially Rustoleum Restore 10X) are notorious for adhesion problems. They require near perfect preparation and weather conditions at application or they don't hold up for long. The main reason for peeling is moisture under the ...
by mikeast
Sun Mar 05, 2017 8:26 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 444
Views: 50630

Re: Your USER NAME...what does it mean?

Mike and East (Joined the forum while I was living in Japan).
by mikeast
Sat Mar 04, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: (Military) Continue to pay off debt or Save for PCS? [Permanent Change of Station]
Replies: 9
Views: 950

Re: (Military) Continue to pay off debt or Save for PCS?

If you're single, you shouldn't incur enough out-of-pocket expenses to worry about having cash for the PCS. Assuming you're authorized to ship a vehicle, decide whether you will take your car or not. If you do, keep in mind that you need written permission from the lien holder to ship it if you don'...
by mikeast
Mon Jan 23, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refuse to pay California State Tax—what can they do ?
Replies: 16
Views: 4157

Re: Refuse to pay California State Tax—what can they do ?

Thanks for your responses. Clearly, if I can't convince them to abate this tax bill, the cheapest thing to do
is just pay em.
by mikeast
Mon Jan 23, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refuse to pay California State Tax—what can they do ?
Replies: 16
Views: 4157

Refuse to pay California State Tax—what can they do ?

Hi Diehards, Got a notice that my wife owes in excess of $1300 back California State Tax (tax, penalty and interest) for the Year 2013. Problem is, she hasn’t set foot in the State of CA since 1992. The tax bill appears to have been generated when she retired from the military and her final pay was ...
by mikeast
Sun Jan 01, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 711
Views: 40920

2555.55

2555.55
by mikeast
Sat Sep 24, 2016 7:10 am
Forum: Personal Consumer Issues
Topic: Would you buy this house in a flood zone? HELP!
Replies: 63
Views: 6361

Re: Would you buy this house in a flood zone? HELP!

I bought a house in a 100 year Flood Zone about 3 years mostly to get into the school zone I wanted. Youngest kid is a senior in HS this year so I am getting out of here ASAP. Flood insurance is 1200 (modest house) a year and I live in fear of the month of September, when all the damaging hurricanes...
by mikeast
Sat Jan 30, 2016 7:44 pm
Forum: Personal Consumer Issues
Topic: Dual-military couple relocating to Vilseck, Germany :)
Replies: 23
Views: 2841

Re: Dual-military couple relocating to Vilseck, Germany :)

Congratulations ! Wife and I left that area (Hohenfels, which is about 62 Km from Vilseck) two years ago. We were dual military (both retired now) and this was, hands down, the best assignment we ever had. Best advice I can give you is to get in contact with your sponsor and follow their guidance, e...
by mikeast
Wed Nov 25, 2015 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Military SBP (Survivor Benefit Plan) - Is it worth it?
Replies: 15
Views: 4064

Re: Military SBP (Survivor Benefit Plan) - Is it worth it?

Your fiancé will have up to 1 year after the date of the marriage to sign up for SBP with you as a beneficiary. SBP is a much better deal now than in the past since they did away with the Social Security offset and dropped the premiums after 30 years ( or age 70). Didn't use to be that way. Wife and...
by mikeast
Sun Sep 06, 2015 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for a Rental Prop. in your Eighties ?
Replies: 5
Views: 690

Re: Mortgage for a Rental Prop. in your Eighties ?

Well, my brother needs a house with a mortgage of about half what he's paying now. Roughly 1500 mortgage needs to come down to 700 or less. This is easy to do in my area and surprisingly he wont take that big a hit on his life style as he can find this new house in the same neighborhood. It will mos...
by mikeast
Sun Sep 06, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage for a Rental Prop. in your Eighties ?
Replies: 5
Views: 690

Mortgage for a Rental Prop. in your Eighties ?

Hi Bogleheads, Just wondering what you think of this strategy: Sibling in his fifties can no longer work due to a rare cancer although with treatment he can still live a long life. Income will go from a comfy six figures to a mid-low 5 figures so he must get out of his current house and down size qu...
by mikeast
Sun Aug 30, 2015 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Blue collar worker and millionaire dream
Replies: 32
Views: 5836

Re: Blue collar worker and millionaire dream

My wife and I went from zero to millionaire in about 20 years on a similar income (less actually). We lived on one pay check and saved the other. It wasn't that difficult. I discovered the Vanguard Diehards through the Morningstar Site around 1998 and started getting good advice from all of the wond...
by mikeast
Sun Aug 16, 2015 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in the house
Replies: 80
Views: 8968

Re: Cash in the house

Only during peak Hurricane season. Like about now through the end of September. Around $1500 or so. Like someone else said already,
during power outages, "Cash is King."
by mikeast
Fri Jul 03, 2015 6:11 pm
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 62
Views: 10034

Re: Learning Spanish

I use the BBC online program "Mi Vida Loca" and Duo Lingo. All Free.
by mikeast
Tue Jun 02, 2015 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Starting later in life... should I buy a home?
Replies: 15
Views: 1946

Re: Starting later in life... should I buy a home?

I'm a home owner now and I don't really like it. Constant maintenance, yard work, gutter cleaning, money spent at Lowes, taxes, flood insurance, worry. When is my 15 year-old furnace going to die ? Will this be the year we get another major hurricane ? etc I am not cut out to be a homeowner. I love ...
by mikeast
Sat May 16, 2015 7:09 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 25441

Re: How much does social security factor into your retirement income?

We're 60 and 53 now. If there is no deterioration of our expected benefits, we wont need to tap into our savings and the kids will get a
meaningful inheritance. If they ever means test it, I may regret saving so much.
by mikeast
Thu May 07, 2015 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 141
Views: 21420

Re: What job to get to coast to Retirement at age 59 1/2?

I'm 60 and I work at a big-box store part time. 20-25 hours a week on average an make 12-15K per year. I work primarily to pay my taxes and delay SS. These jobs are easy to get for someone who shows up to work on time, doesn't do drugs, and has a decent work ethic. It's easy work and can be fun if y...
by mikeast
Tue May 05, 2015 5:11 am
Forum: Personal Finance (Not Investing)
Topic: Military SBP--Delicate Situation [also bad VUL]
Replies: 11
Views: 2425

Re: Military SBP--Delicate Situation [also bad VUL]

Some more detailed information here:

http://www.retirees.af.mil/factsheets/f ... p?id=11692

you'd have to buy your way back in by paying the difference between your initial election and full coverage (with interest)
by mikeast
Tue May 05, 2015 3:38 am
Forum: Personal Finance (Not Investing)
Topic: Military SBP--Delicate Situation [also bad VUL]
Replies: 11
Views: 2425

Re: Military SBP--Delicate Situation [also bad VUL]

Couple of points: Chances are your divorce decree will order you to elect Former Spouse Coverage in which case, the base amount will not change. Your ex remains covered at the same rate she had when you were married. You cannot "split" SBP coverage among current and former spouses, so if you remarry...
by mikeast
Thu Apr 30, 2015 6:08 pm
Forum: Personal Consumer Issues
Topic: Karate for kids—Thoughts?
Replies: 47
Views: 4666

Re: Karate for kids—Thoughts?

In my view, the grappling arts Judo, Wrestling, Jiu Jitsu are much more fun for kids and effective for confidence and anti-bullying. They're doing it right off the bat (tossing each other around)
and not just doing a bunch of kata forms of questionable value just to get their next colored belt.
by mikeast
Tue Apr 21, 2015 4:54 pm
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 3596

Re: European Cruises

I've done two Mediterranean Cruises with Costa Cruise Lines; Western Med in 2012, and Eastern Med in 2013. One left from Savona and the other from Venice. Stops were in Greece, Spain, Sicily, Croatia. Departure from Venice for the Eastern Med Cruise was best and I would list Venice as a must see. Th...
by mikeast
Sat Apr 18, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 3750

Re: What Is The Worst Car You Have Ever Owned?

Ford Pinto ( a 75, I think). What a piece of junk. The bloody door was so heavy that it was always out of alignment--you had to lift up on it to get it to close. Couldn't use the
air conditioner during city driving--the engine couldn't handle it. We called it "The Pimple"
by mikeast
Fri Mar 13, 2015 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best 4-6 person tent
Replies: 20
Views: 5110

Re: Best 4-6 person tent

Coleman Rechargeable Battery Lantern. Got one for Christmas--it's awesome. Car camping with Cubs--get a nice blow-up air mattress. (for you--the kid doesn't need one)
Bring ear plugs for sleeping to all Scout campouts.
by mikeast
Sat Feb 14, 2015 1:47 pm
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 10528

Re: [Is it worth getting an] AARP [membership]?

15% off at one of my favorite restaurant , so the annual fee sort of pays for it self there. The magazines are a hoot sometimes (Bob Dylan on the cover of the last issue).
Does seem to generate some annoying junk mail though.
by mikeast
Sun Jan 18, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Any Mil. Retirees here receiving CRDP ? (tax quest.)
Replies: 4
Views: 1446

Re: Any Mil. Retirees here receiving CRDP ? (tax quest.)

maxq wrote: Is the OP at the 50% or above level?
Yes (it's my wife, actually) She's rated disabled at 50%, so in addition to her regular, full military retirement from DFAS, she receives
a separate payment from the VA.

Mike
by mikeast
Sat Jan 17, 2015 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Any Mil. Retirees here receiving CRDP ? (tax quest.)
Replies: 4
Views: 1446

Any Mil. Retirees here receiving CRDP ? (tax quest.)

Everything I've read seems to indicate that service connected disability payments received concurrently with regular military retirement are taxable. However, the is no statement such as a 1099 available as far as I can figure. Also, there doesn't seem to be anyway to have Fed taxes withheld from th...
by mikeast
Sat Jan 03, 2015 9:09 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 557
Views: 42143

2760.55

2760.55
by mikeast
Mon Nov 24, 2014 7:48 am
Forum: Personal Consumer Issues
Topic: Animal vacuums?
Replies: 5
Views: 822

Re: Animal vacuums?

I just bought a Dyson Animal 25 a few weeks ago ($298 at Home Depot). My dog sheds a lot. Prior to the Dyson, I had a Bissell upright. For floors and carpet, they seem to perform about the same. However, the pet hair attachment on the Dyson is much more powerful than the Bissell and that made it wor...
by mikeast
Wed Nov 12, 2014 5:46 pm
Forum: Personal Consumer Issues
Topic: Best microwave to replace kitchen stove
Replies: 26
Views: 2942

Re: Best microwave to replace kitchen stove

Postby mikeast » Tue Nov 11, 2014 4:08 pm Then I'd get a combo oven (microwave and convection in one Does a combo oven (microwave and convection vent into the room? I am having trouble visualizing its function. Yes, they have vent fins on the top and sides with an internal cooling fan that kicks on...
by mikeast
Tue Nov 11, 2014 4:08 pm
Forum: Personal Consumer Issues
Topic: Best microwave to replace kitchen stove
Replies: 26
Views: 2942

Re: Best microwave to replace kitchen stove

Then I'd get a combo oven (microwave and convection in one). With the convection oven feature you can bake cookies, rolls, cook crispy stuff, pizza etc.
I've a had Sears counter top combo oven for 11 years now and it's indispensable.
by mikeast
Thu Nov 06, 2014 4:50 pm
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 3969

Re: Your very first email

January 1991 from Riyadh, Saudi Arabia to Augsburg, Germany. I forget the subject of the first one though. Coulda been some sensitive operational Army stuff or maybe
we just ran out of toilet paper. Probably the toilet paper.
by mikeast
Sun Oct 26, 2014 7:34 am
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 13406

Re: Do you regret buying your home?

Although I don't really like all the maintenance (my labor and the expense) and yard work that comes with my house, some of these neighbor comments have made me realize how lucky I am to live where I do. I have woods on the South, East, and West sides of my house. No one can build there because it i...
by mikeast
Sat Oct 25, 2014 7:24 am
Forum: Personal Finance (Not Investing)
Topic: NJ - Buying house in flood zone (FEMA)?
Replies: 48
Views: 6768

Re: NJ - Buying house in flood zone (FEMA)?

Last year I bought a house in an area that was badly flooded by Hurricane Isabel in 03. Love the house, love the area, but I'm only here for the school zone until my youngest finishes high school. For me it is not a matter of IF it floods, it is only a matter of WHEN. We all pay for flood insurance ...
by mikeast
Wed Oct 22, 2014 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 194
Views: 25177

Re: Gross Yearly Income needed in Retirement (Speculation)

70K Gross with the house paid off would be just fine for my wife and I. In reality, we will probably retire at about 105K--more if I delay SS.
I guess I would place our life style on the lower end of Middle Class--- the area we live in is about average cost-of-living wise.
by mikeast
Thu Sep 25, 2014 12:54 pm
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 6665

Re: We're all going to die!!!

Can't argue with that--the human mortality rate is still 100 %. Too bad the market isn't that predictable.
by mikeast
Wed Sep 03, 2014 11:08 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with Switzerland?
Replies: 14
Views: 1921

Re: Anyone familiar with Switzerland?

Kandersteg is a wonderful place to hike. The scenery around Lake Oeschinen in the Alps is as good as it gets. Kandersteg is also home to The Kandersteg International Scout Center (KISC) founded by Baden Powell. I've been there every year for the past three years attending Boy Scout events. Easily ac...
by mikeast
Sun Aug 31, 2014 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Advice for stay at home mom/military wife going back to work
Replies: 24
Views: 2539

Re: Advice for stay at home mom/military wife going back to

Do you have any interest in becoming a financial counsellor to military families ? If so, the National Military Family Association (NMFA) has a scholarship program to train military spouses to become financial counsellors ( I am a recipient of this scholarship myself). They award about 50 of these e...
by mikeast
Thu Aug 21, 2014 3:46 pm
Forum: Personal Consumer Issues
Topic: Kimchi
Replies: 40
Views: 3216

Re: Kimchi

You need to know what really good kimchi tastes like before you attempt to make your own. Buy some first. Nothing better with white rice.
The stuff can make you reek though if you eat enough of it. I like "kimchi reek"--reminds me of good times in Korea.
by mikeast
Sat Aug 09, 2014 6:25 am
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 23933

Re: The Worst Investment You Can Make: Buying a Home

Oh sure, rent a comparable house in a similar neighborhood for %75 of mortgage ? I think the author is the
one who is "delusional."
by mikeast
Sun Jul 06, 2014 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Buying adult child a house vs paying their rent
Replies: 37
Views: 5746

Re: Buying adult child a house vs paying their rent

This is a very familiar situation to me as well. I agree with everything Saving$ wrote. Buying the home will increase your financial burden in ways you might not have thought of yet. You will be the last one to get paid each month --In reality, you will never see one dime of rent. It's also been my ...
by mikeast
Sat Jun 28, 2014 10:08 am
Forum: Personal Consumer Issues
Topic: Bad paint job - Course of action help pls
Replies: 28
Views: 9158

Re: Bad paint job - Course of action help pls

Any painter who would paint over bare sheet rock without priming first doesn't know what they're doing. There is no such thing as paint and primer in the same can--the whole self-priming paint thing is just a marketing gimmick. Also, places like HD can easily cross reference SW formulas and put thos...