Search found 2207 matches

by hoops777
Fri May 25, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: vinyl plank brands, which is best?
Replies: 13
Views: 1259

Re: vinyl plank brands, which is best?

It can be installed on stairs but you need stair nosing.I would not attempt the stairs yourself.The mm is the wearlayer thickness,not the plank.More wearlayer is better.Everyone thinks installing lvt or laminate is easy,but it is not.The middle of the room is easy,but doorways,halls,corners,angles o...
by hoops777
Tue May 22, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Re: Road trip Newark NJ to Albany

There's a pretty interesting town a few miles east of Newark and easily accessible by train. I forget its name. But if I remember correctly they have a baseball team, and I think Frank Sinatra and Billy Joel wrote songs about it. It's kind of like Albany but bigger. If you are flying from Californi...
by hoops777
Tue May 22, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Re: Road trip Newark NJ to Albany

There's a pretty interesting town a few miles east of Newark and easily accessible by train. I forget its name. But if I remember correctly they have a baseball team, and I think Frank Sinatra and Billy Joel wrote songs about it. It's kind of like Albany but bigger. If you are flying from Californi...
by hoops777
Mon May 21, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Re: Road trip Newark NJ to Albany

Definitely checking out Woodstock.We love small towns.
by hoops777
Mon May 21, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Re: Road trip Newark NJ to Albany

Should we visit the Berkshires since we have added a couple of days?
by hoops777
Mon May 21, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Re: Road trip Newark NJ to Albany

Thanks.I assumed there must be a lot of bridges which is great since I am a lousy swimmer :D
by hoops777
Mon May 21, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Re: Road trip Newark NJ to Albany

Lots of good suggestions which are worth repeating and confirming. October would be my most favorite month to do this. If you have the time to drive up on Rt. 9 on the east side of the Hudson River and make many stops (with some layovers), you’d be traveling in an area rich in attractions. It seems...
by hoops777
Mon May 21, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Another road trip Denver to Cheyenne
Replies: 11
Views: 926

Re: Another road trip Denver to Cheyenne

Too bad my grandson will not be with us.Do the trains run frequently?I might go and take a video for the little guy :happy The trains probably run frequently, as it is a big Union Pacific train yard (that might not be the specific or correct term for it) and as I recall the pedestrian bridge crosse...
by hoops777
Mon May 21, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Re: Road trip Newark NJ to Albany

Thanks.I would love to go to the Hall of Fame but my wife hates baseball.We will see how that works out :D I actually brought a book to read, when we went there! Still, it was much more interesting than I thought it would be. I'm still not a baseball fan, but I understand the reverence while viewin...
by hoops777
Mon May 21, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Another road trip Denver to Cheyenne
Replies: 11
Views: 926

Re: Another road trip Denver to Cheyenne

Laramie is a real small town that you can fly past if you aren't careful. The University of Wyoming is located here and not much else. The Wyoming Territorial Prison makes for an educational stop. And if one is really into trains, they can stand on the pedestrian railroad overpass just west of down...
by hoops777
Mon May 21, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Another road trip Denver to Cheyenne
Replies: 11
Views: 926

Re: Another road trip Denver to Cheyenne

Not much in the way of tourist stops from Denver to Cheyenne. Be mindful of altitude if you are not living at altitude and drink lots and lots of water. Fort Collins has a nice old town with a bit of history. Did you know that Walt Disney used old town Fort Collins as his model for Main Street in D...
by hoops777
Sun May 20, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Re: Road trip Newark NJ to Albany

Thanks.I would love to go to the Hall of Fame but my wife hates baseball.We will see how that works out :D
by hoops777
Sun May 20, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Re: Road trip Newark NJ to Albany

I know I keep changing my mind but I believe I have settled on this after reading all the suggestions. We are flying from Calif to DC and spending 5 nights.We are then flying from DC to Albany and renting a car.We will drive from that area to Newark airport and fly home.I got a good deal on a one wa...
by hoops777
Sun May 20, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Re: Road trip Newark NJ to Albany

How about flying into Westchester County Airport in White Plains? https://airport.westchestergov.com/airlines/airline-information served by American Airlines and Delta easy in/easy out If you stick with Newark, I'd drive NJ Turnpike up to I-80 then Palisades Parkway north and cross over into NY sta...
by hoops777
Sun May 20, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Another road trip Denver to Cheyenne
Replies: 11
Views: 926

Re: Another road trip Denver to Cheyenne

Not much in the way of tourist stops from Denver to Cheyenne. Be mindful of altitude if you are not living at altitude and drink lots and lots of water. Fort Collins has a nice old town with a bit of history. Did you know that Walt Disney used old town Fort Collins as his model for Main Street in D...
by hoops777
Sat May 19, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Re: Road trip Newark NJ to Albany

To me the more stops the more potential problems. We have now changed our trip!We are flying to DC and then flying to Albany.We plan on renting a car for a couple days and then take the train to NYC and stay there for a couple days.We leave on Tuesday and return home the following week on Friday. So...
by hoops777
Sat May 19, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Another road trip Denver to Cheyenne
Replies: 11
Views: 926

Another road trip Denver to Cheyenne

We are flying to Denver for 4 days and are going to drive up to Cheyenne and possibly Laramie,June 8. Any hidden gems we should see?We were going to see Steamboat Springs but I think it is too out of the way.My wife wants no part of driving on high mountain roads that have big drops without barriers...
by hoops777
Sat May 19, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Re: Road trip Newark NJ to Albany

Thanks to all for great suggestions :happy
by hoops777
Fri May 18, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Re: Road trip Newark NJ to Albany

Thanks for the replies.The reason for flying to Newark from Calif is SWA has non stop flights.I could fly to Albany but it takes about 4 more hours and terrible flight times.I also figured there would be something to see on the drive to and from.We may consider the train.We have been to Manhattan a ...
by hoops777
Thu May 17, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 76
Views: 3350

Road trip Newark NJ to Albany

Thinking of flying to Newark in October and driving up to the Albany area.We like small towns and nice scenery.Any suggestions would be appreciated.Will spend a week and fly back home from Newark or maybe do a one way car rental and fly home from another airport back to California
by hoops777
Tue May 15, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to rent as a retiree?
Replies: 83
Views: 8753

Re: Does it make sense to rent as a retiree?

Rentals always seem to be classified as inferior quality which is simply not true.You can rent places you would not want your dog to live in or you can rent luxury properties that dwarf your current home.It depends what and where you want.If you live in a hcol area and are moving to a lcol area you ...
by hoops777
Tue May 15, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Popular Mechanics magazine scam [subscription won't stop]
Replies: 31
Views: 5400

Re: Popular Mechanics magazine scam [subscription won't stop]

I paid for a year of Popular Mechanics by check, and now my year is up. The magazine is so-so, and I don't intend to renew. However, I received a notice that, "as part of our Continuous Service program, your subscription will automatically renew unless you tell us to stop." I don't remember signing...
by hoops777
Sun May 13, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 78
Views: 8935

Re: Retire Internationally for FIRE

I moved to Germany in 2006, not exactly to retire, but in many ways I realize that was what I did because I am no longer doing the work I did in the States. I am working almost fulltime as an English teacher and will do so until my second retirement. Many, many things are cheaper, except for real e...
by hoops777
Sun May 13, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Infrared Sauna at home
Replies: 21
Views: 2843

Re: Infrared Sauna at home

That been clinical research studies that are easy to look up.
by hoops777
Sat May 12, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 78
Views: 8935

Re: Retire Internationally for FIRE

Your lifestyle and where you like to live is not worth arguing about.It is totally an individual choice and your paradise might be my hell and vice versa.
As imperfect as the USA is,there is no doubt it is a place many more want to come to than leave.
by hoops777
Wed May 09, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax question
Replies: 21
Views: 1621

Re: Estimated tax question

Thanks.
by hoops777
Wed May 09, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax question
Replies: 21
Views: 1621

Estimated tax question

First year in retirement making estimated taxes.I am assuming I can pay the full years estimated tax in my first payment that was due in April?
by hoops777
Wed May 09, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 78
Views: 8935

Re: Retire Internationally for FIRE

You only have one life.The grass isn’t always greener on the other side.
I think it is easy to find things wrong here and fantasize that all will be wonderful somewhere else.There are reasons that places are cheap or expensive,most of the time very good reasons.
by hoops777
Tue May 08, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 63
Views: 7060

Re: Memory Foam Mattress Recomendations

All I can say is we have had our original tempur-pedic for 15 years and it is still the best mattress I have ever had.All of these new less expensive versions may be as or nearly as good,cannot answer that.
by hoops777
Sat May 05, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software
Replies: 17
Views: 1146

Re: Tax software

Thank you.
by hoops777
Sat May 05, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software
Replies: 17
Views: 1146

Re: Tax software

Something else to consider in deciding on a conversion is that without a Roth conversion it appears non of your SS will be taxed. If you convert to the top of the 12% bracket 85% of your SS will be taxed, thus increasing the cost of the conversion. This might argue for an every other year conversio...
by hoops777
Sat May 05, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 federal tax calculator
Replies: 12
Views: 2117

Re: 2018 federal tax calculator

What I do not get about this calculator and some others is it lists long term capital gains/losses but only takes amount without saying it us a loss or gain Gains are positive and losses are negative? What I meant is there is an input that says cap gains/losses with no way to enter a +/- so how doe...
by hoops777
Sat May 05, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 federal tax calculator
Replies: 12
Views: 2117

Re: 2018 federal tax calculator

What I do not get about this calculator and some others is it lists long term capital gains/losses but only takes amount without saying it us a loss or gain
by hoops777
Sat May 05, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software
Replies: 17
Views: 1146

Re: Tax software

That makes good sense.I would rather have more money in the Roth.Thanks.
by hoops777
Sat May 05, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software
Replies: 17
Views: 1146

Re: Tax software

Yes this is for 2018.So when I do the conversion and tell them to withhold I do not have to pay estimated taxes?What about state?
by hoops777
Sat May 05, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software
Replies: 17
Views: 1146

Re: Tax software

Thank you.I owned a small business and had someone do my taxes so I have never used these programs.I was looking at TaxAct but saw posts about problems with state tax and we live in Calif.
by hoops777
Sat May 05, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax software
Replies: 17
Views: 1146

Tax software

Ok,I have browsed through previous threads.I am looking for a recommendation for our circumstances.Retired last year and this is our first year without earnings from working.We will be doing a Roth conversion and have SS income and a small amount of cd interest and some tax free muni bonds.We will g...
by hoops777
Fri Apr 27, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 10880

Re: Larry Swedroe: Financial Perils Of Old Age

Her standard of living and his standard of living both improved when she moved in, he was fine at the time but we had finally persuaded him to stop driving. He had been stopped TWICE by the same deputy for driving really slow on US1. He was trying to find an address to a New Year's Eve party. The d...
by hoops777
Tue Apr 24, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 206
Views: 28182

Re: 2-year CDs at Vanguard and Fidelity Today

Sold my short term bond fund and bought the 2 year 2.75 in my IRA.About a year ago I bought a 5 yr at 2.75 that was a great rate at Patelco recommended by Kevin.Things are changing fast.
by hoops777
Sun Apr 22, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 206
Views: 28182

Re: 2-year CDs at Vanguard and Fidelity Today

I have never tried to sell one of my brokered CDs,but I would imagine it would not be that much of a problem if rates are going up.Example,you buy a 3 year cd at 2.85 a nd hold it for 18 months.Now the new 3 years are paying 3.85,but you have an 18 month paying 2.85 which would be a good rate in all...
by hoops777
Sun Apr 22, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Master Bath remodel price?
Replies: 27
Views: 2620

Re: Master Bath remodel price?

Holy cow. I don't know where everyone is located who is throwing out these numbers but I'm currently flipping a house in Indiana. Kitchen, and 2 full bathrooms. Down to the studs in both bathrooms and down to bare drywall in the kitchen. So all new cabinets, counters, vanities, toilets, one tile sh...
by hoops777
Sun Apr 22, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Master Bath remodel price?
Replies: 27
Views: 2620

Re: Master Bath remodel price?

The more I read articles about the cost of remodeling the more I realize that many authors are clueless.There are people that just go in to the local fancy showroom and drink the kool aid they are giving them and overpay by tens of thousands of dollars.When I owned my carpet business we would do job...
by hoops777
Fri Apr 20, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 206
Views: 28182

Re: 2-year CDs at Vanguard and Fidelity Today

I believe Schwab 2yr is 2.65 3yr 2.85. 5yr 3.05 I have a good chunk in VFSTX and the nav has been dropping lower and lower.I think I am selling and buying the 2yr cd.I am even money right now with the interest it has paid the last 15 months.The nav was 10.48 yesterday and will probably be close to 1...
by hoops777
Fri Apr 20, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Master Bath remodel price?
Replies: 27
Views: 2620

Re: Master Bath remodel price?

I do not know where you live but you need to do some serious shopping.That is very expensive.The prices I am seeing here are normal only for people who hire the most expensive contractors in their area who are no better than others you can find with a little effort,unless you live in a non competiti...
by hoops777
Sun Apr 15, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 128
Views: 19298

Re: Is it time to dump high yield savings for prime money market?

What is the 1.61% one called? "No longer available." *Schwab no longer allows new enrollments into sweep money market funds (MMFs), with the exception of international accounts, Schwab Managed Accounts, Schwab Charitable accounts, and certain existing ERISA plans. Existing accounts with sweep MMFs ...
by hoops777
Sun Apr 15, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 128
Views: 19298

Re: Is it time to dump high yield savings for prime money market?

I question the use of the word "dump" in the thread title. Yes, I know it's only an investment implementation, but it still seems unnecessarily harsh and disrespectful. I would have used, maybe, "relinquish". With the way investors have been treated by their saving accounts I believe some disrespec...
by hoops777
Fri Apr 13, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 128
Views: 19298

Re: Is it time to dump high yield savings for prime money market?

What I meant to ask was that Schwab has a purchased money fund that is at 1.61 I believe but it is not a sweep acct.You have to buy and sell it like a mutual fund.I am assuming it is equivalent to vanguard’s money market?
by hoops777
Wed Apr 04, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab IRA Contribution date
Replies: 2
Views: 233

Re: Schwab IRA Contribution date

Thanks.I guess I will just transfer between the accounts then.Much easier.
by hoops777
Wed Apr 04, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab IRA Contribution date
Replies: 2
Views: 233

Schwab IRA Contribution date

Quick question just to be sure.I am contributing to my SEP for the last time since I retired last year.Schwab will transfer the money from my taxable account to my SEP account but they log it as a 2018 contribution.When I was in Vanguard they had a way to designate the actual year it was for. The Sc...