Search found 111 matches

by mjdaniel
Sat Apr 28, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Anyone else use AmazonSmile?
Replies: 31
Views: 2836

Re: Anyone else use AmazonSmile?

I have been using it for a while, sending proceeds to St. Judes.
by mjdaniel
Sun Apr 08, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax "Audit Defense" worth it?
Replies: 9
Views: 3258

Re: TurboTax "Audit Defense" worth it?

If you have represented yourself honestly and have thorough backup documentation, I don't see the need for it.
by mjdaniel
Fri Mar 02, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Questions on Schedule J
Replies: 0
Views: 201

Questions on Schedule J

Hello farmers and fishermen, I have been using Schedule F to show farm income from an avocado grove for the last 15 years. 2017 was a big year for the crop. I am using Turbo Tax as I have for many years, and looking into Schedule J to ease my debt to the IRS. I have a couple of questions about it: 1...
by mjdaniel
Tue Jan 09, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 188
Views: 24505

Re: Anyone disenchanted with retirement?

Retired in 2008 at 55. I was asked if I wanted to come back due to other employees leaving. My answer was no thanks.
by mjdaniel
Sun Dec 10, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 25378

Re: Do people still use AAA?

My AAA card says a member for 24 years. Most years I never use them. But when it is time to call them, I am glad I am a member. Most recently, my battery was dead in a Costco parking lot. I was not aware of their battery service, so my first comment to the driver was jump the car and I will drive it...
by mjdaniel
Tue Dec 05, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Concrete vs Pavers
Replies: 18
Views: 2442

Concrete vs Pavers

Hello Bogleheads, I have a long asphalt driveway, then about 1700 sq ft. of colored concrete right around the front of the house and garages. The concrete is about 18 years old, faded badly by the sun, chipped and worn pretty good. We had it pressure washed and treated and it really didn't help. It ...
by mjdaniel
Tue Dec 05, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 30
Views: 2753

Holiday Tipping

Hello Bogleheads always nice to chat with you. My wife and I were discussing how to tip this holiday season. We have read some articles and wanted to know what the forum thought. We are planning on tipping the following folks and wanted to know how you determine what to tip; newspaper delivery perso...
by mjdaniel
Wed Jun 28, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Cellular Data Usage
Replies: 11
Views: 1403

Re: Cellular Data Usage

I am on Puppy also with a 200 MB a month data plan. I am running Android, but shouldn't matter too much. I always have data off, and stay connected to my home wifi since that is unlimited. When I am out and wifi is not available and I want to take a quick look at email or Facebook, I turn data on fo...
by mjdaniel
Sat Apr 15, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 43
Views: 5520

Re: Washer/dryer suggestions?

I just purchased a pair of Speed Queen's, having had Kenmore's forever. Happy so far.
by mjdaniel
Sat Jan 21, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax Costco Sale vs Online
Replies: 8
Views: 9555

Re: Turbotax Costco Sale vs Online

I have been using TT online for years also. I just purchased TT deluxe cd from Amazon. I installed the product, and it creates a turbotax directory under mydocuments (Windows). This is where TT stores and looks for files with extensions of .tax2015, .tax2014. Next I logged in to TT online and saw ea...
by mjdaniel
Fri Nov 11, 2016 6:53 am
Forum: Personal Consumer Issues
Topic: Puppy Wireless
Replies: 9
Views: 3139

Re: Puppy Wireless

I am still on Puppy Wireless with a 4G plan. 275 talk, 275 texts, and 200 MB data for 17.00 a month. The sale of Puppy has not changed anything except for the closing of the Kitty forum. One of the user's started an interim forum for questions/comments: http://micallen.freeforums.org/puppy-wireless-...
by mjdaniel
Wed Nov 09, 2016 10:08 am
Forum: Investing - Theory, News & General
Topic: Big Swing in Dow Futures
Replies: 10
Views: 2682

Re: Big Swing in Dow Futures

I was never intending on making a move based on these numbers. My question is what are the mechanics that made futures go from 0 to -800 to -200. Was this some speculation, or was there actually buying/selling going on?
by mjdaniel
Wed Nov 09, 2016 9:38 am
Forum: Investing - Theory, News & General
Topic: Big Swing in Dow Futures
Replies: 10
Views: 2682

Big Swing in Dow Futures

While watching election results on Fox Business early this morning, the Dow Futures were swinging from 800 down to 200 down just before the open. I have always gauged how my funds are doing by the Dow and I get a general idea of how things are doing. With the extreme movement like this in such a sho...
by mjdaniel
Wed Oct 19, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Where to purchase Medicare Advantage Plan
Replies: 13
Views: 1608

Re: Where to purchase Medicare Advantage Plan

I retired with money that could only be used to purchase healthcare from my former employer. All of that is spent. If I had any left, it could be used thru OneExchange. I still considered using OneExchange for advice and support.
by mjdaniel
Wed Oct 19, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Where to purchase Medicare Advantage Plan
Replies: 13
Views: 1608

Where to purchase Medicare Advantage Plan

I am a couple of years away from receiving Medicare. My wife turns 65 next year, so I am assisting her with choosing coverage. Right now we are looking at 2 Medicare Advantage plans, 1 from Aetna and 1 from BCBS Anthem. I have looked at medicare.gov, each provider's website, and a company called One...
by mjdaniel
Mon Jun 13, 2016 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Buying the Dividend
Replies: 5
Views: 883

Re: Buying the Dividend

I do have a follow on question. It sounds like it is to their advantage to get in before the declaration date so they get the dividend reinvested before the nav drop after the dividend is paid correct? In other words, if they bought in after the declaration date and before the dividend was paid, the...
by mjdaniel
Mon Jun 13, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Buying the Dividend
Replies: 5
Views: 883

Re: Buying the Dividend

Cheesebreath, thanks. This question was also to show them how to go to the forum and get assistance.
by mjdaniel
Mon Jun 13, 2016 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Buying the Dividend
Replies: 5
Views: 883

Buying the Dividend

I have some friends that have just rolled over their 401K's to Vanguard and they are interested in the Wellesley Income Fund. I read where the declaration date is 6/15 and we are wondering if they should go in tomorrow or wait till after the dividend. I have read where buying the dividend is a bad t...
by mjdaniel
Fri May 20, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Personal Loan Agreement
Replies: 5
Views: 851

Re: Personal Loan Agreement

The people who will be borrowing are moving to a rental, so no mortgage involved.
by mjdaniel
Thu May 19, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Loan Agreement
Replies: 5
Views: 851

Re: Personal Loan Agreement

Hi JGoneRiding, what is this: a simple one page from can ? I think you left something out. Also how would anyone know they got a loan, bank or IRS? I guess by reading this the cat is out of the bag, thanks.
by mjdaniel
Thu May 19, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Personal Loan Agreement
Replies: 5
Views: 851

Personal Loan Agreement

My spouse and I are going to loan some money to a relative while their house is in escrow. No interest, and the plan is to be paid back from the proceeds of the sale. I am on board with a signed agreement, just looking for the most simple form. Does anyone have any experience with a simple one page ...
by mjdaniel
Thu Apr 21, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Tax prep fees for trust? [Final returns for trust and estate]
Replies: 5
Views: 831

Re: Tax prep fees for trust? [Final returns for trust and estate]

I had a CPA prepare two final tax returns this year. One for my mother (will) and one for my mother in law (trust). Each return involved the sale of a property and both contained taxable and IRA funds that were distributed to the beneficiaries. Mother's return was 250 and mother in law's was 300. Al...
by mjdaniel
Mon Mar 21, 2016 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 97
Views: 15139

Re: Early Retirees - What triggered you to retire?

Thought about retiring for a long time like others here. I retired at 55 (after 30.5years) with the same company. Then contracted for another 4 at the same position, (double dipping with pension and salary). While doing this I went from full time to part time, getting used to reduced hours first, be...
by mjdaniel
Fri Feb 26, 2016 6:12 am
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 77
Views: 10352

Re: Gardening 2016

I used these instructions from Sunset magazine. The beds look and function great:
http://www.sunset.com/garden/backyard-p ... bed-how-to
by mjdaniel
Thu Feb 25, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 77
Views: 10352

Re: Gardening 2016

I have a raised bed garden, and this will be my fourth year. I grow tomatoes, peppers, pickling cukes, zucchini, fava beans, edamame, and herbs like dill, cilantro, etc. I try not to plant the same thing in a bed from year to year. I chart what I plant for that season and review during the winter wh...
by mjdaniel
Thu Feb 18, 2016 8:17 am
Forum: Personal Consumer Issues
Topic: Using Canadian Pharmacies
Replies: 38
Views: 7133

Re: Using Canadian Pharmacies

I have used this web site to compare prices among online pharmacies: http://www.pharmacychecker.com/ When my drug coverage has run out for the year, I have used this pharmacy for blood pressure medicine: https://www.canadadrugsonline.com/ The drug, called bystolic can be very expensive in the U.S. w...
by mjdaniel
Fri Jan 29, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 39
Views: 4107

How to stop junk mail for a deceased person

My mother in law passed away in 2014. My wife and I filled out a post office form to have her mail forwarded to our house as we tied up loose ends. After a while, the mail with the yellow address label (which indicated it was forwarded) stopped and what we continued getting was junk mail like we had...
by mjdaniel
Sat Jan 16, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 6328

Re: Pizza Stone / Homemade Pizza Advice

I also use Trader Joe's ready pizza dough. Also use their pizza sauce, (skim mozzarella, or smoke mozzarella, or mozzarella in liquid), anchovies, organic basil, and Italian sausage. There are times I will make my own dough or pizza sauce, but I like the convenience of walking out of the store with ...
by mjdaniel
Sat Jan 16, 2016 7:38 am
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 6328

Re: Pizza Stone / Homemade Pizza Advice

I used to use a pizza stone until it cracked and cost a lot to replace. I have been using unglazed quarry tile for years now. The tiles are placed on the rack in the lower oven and stay there whether I am cooking pizza or something else in that oven. They are very inexpensive and if one breaks, you ...
by mjdaniel
Tue Dec 22, 2015 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: How old can you be and retire early?
Replies: 81
Views: 10729

Re: How old can you be and retire early?

Retired at 55, started pension, came back to same job as a contractor. Went from full time to part time at 57, finally called it quits at 59. Had to transition, don't think I had the mindset to retire completely cold turkey.
by mjdaniel
Wed Dec 02, 2015 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Verizon-Wireless Points - best use?
Replies: 15
Views: 4150

Re: Verizon-Wireless Points - best use?

I agree with the last two posters. I went in to look and saw that this would lead to to advertising hell, so I passed.
by mjdaniel
Wed Dec 02, 2015 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Life Strategy vs VWIAX [Vanguard Wellesley Income]
Replies: 19
Views: 5246

Re: Life Strategy vs VWIAX

My IRA and Roth IRA are 100% Wellesley, and my taxable is 100% Life Strategy Conservative Growth. I am married, 62, and I retired at 57. Good luck with your decision.
by mjdaniel
Thu Nov 26, 2015 6:08 pm
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 110
Views: 29755

Re: Best (Available)Red Wine for under $15 preferrably under $10

From Costco, I like Kirkland Meritage and Tobin James Zinfandel. From Trader Joes or grocery stores that discount 4-6 bottles, Bogle Petite Sirah. BTW, I have tried numerous Kirkland reds and would recommend any of them depending upon the requirements.
by mjdaniel
Tue Oct 20, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Why do people drink light beer ?
Replies: 84
Views: 9514

Re: Why do people drink light beer ?

When I want something to quench my thirst at the end of the evening an ice cold silver bullet in a bottle hits the spot. There are other occasions when an IPA or a Guinness Stout does the same. I think the occasion helps with the decision. It is the same reason I will drink a 15.5% Zinfandel when I ...
by mjdaniel
Sat Oct 17, 2015 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about having our new trust document reviewed
Replies: 5
Views: 909

Re: Thinking about having our new trust document reviewed

My wife and I had our trust done in 1997 then had it restated in 2015 by a different lawyer (because we relocated). In both cases we did not have it reviewed. It is a personal choice, so it is hard to comment either way. If it will make feel more at ease, by all means go for it.
by mjdaniel
Thu Oct 15, 2015 4:19 am
Forum: Personal Consumer Issues
Topic: Puppy Wireless
Replies: 9
Views: 3139

Re: Puppy Wireless

A ticket is a term for documenting a problem. While logged into Puppy, there is a method for opening a problem where you are assigned a number and the support staff will be able to read it and respond to it. Imagine that this posting is a ticket that you opened for a problem. You and staff members a...
by mjdaniel
Mon Oct 12, 2015 9:24 am
Forum: Personal Consumer Issues
Topic: Puppy Wireless
Replies: 9
Views: 3139

Re: Puppy Wireless

I was on Kitty and now on Puppy. I am using 3G, (4G is available also), on a 15.00 a month plan of 250 minutes of talk and 250 text messages. I am not concerned about data since I don't use any. Their new dashboard allows you to change and/or reset plans, add cash to cover overages and other options...
by mjdaniel
Sun Oct 04, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: Noises in the wall (bats?)
Replies: 35
Views: 3530

Re: Noises in the wall (bats?)

Just an additional bit in info. I have had bees and rodents in the walls of my house. When there were bees in the wall, there were bees flying around outside. When I had rodents (mice and rats), you heard scratching behind the walls and it was at certain times, but not all of the time. For what its ...
by mjdaniel
Thu Sep 10, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Rat Filth in the Dash
Replies: 38
Views: 3268

Re: Rat Filth in the Dash

I live in an agricultural area in California where there are plenty of rodents. I park an F150 truck in the driveway. Twice I have had the smell of death coming out of my vents. I have taken it to the dealer where they took apart the dash and cleaned things out. The second time, the mechanic suggest...
by mjdaniel
Sat Aug 29, 2015 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Optimal Fund for Rising Interest Rates
Replies: 2
Views: 423

Re: Optimal Fund for Rising Interest Rates

I get enough growth with 60/40 that CD's have never been a thought. Also, I am looking for growth over safety, with a sideorder of stability.
by mjdaniel
Sat Aug 29, 2015 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Optimal Fund for Rising Interest Rates
Replies: 2
Views: 423

Optimal Fund for Rising Interest Rates

A little background, then the question. I agree with the advice on this forum, especially regarding future rising interest rates, which is set the asset allocation you are comfortable with and stick with it. My current comfort zone is a 60/40 Bond/Stock allocation and I have my funds in Lifestrategy...
by mjdaniel
Sat Aug 22, 2015 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Chase insists on total distr of inherited IRA
Replies: 18
Views: 2437

Re: Chase insists on total distr of inherited IRA

For the time it took to me to read through all of this, I would have had it spent already. There are two ways to look at this, "it's the principle of the thing" or more importantly "let's take a little trip or get something for the house".
by mjdaniel
Thu Aug 20, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: What about the Ford Edge? [Revised for 2015 model]
Replies: 90
Views: 15176

Re: 2015 Ford Edge

My wife and I own a 2007 F150 Super Crew Cab Lariat (with 165,000 miles), a 2007 Ford Mustang GT Convertible (with 85,000 miles) and a 2015 Ford Explorer Sport (with 9100 miles), all purchased new. Happy with all, the Explorer is a pleasure to drive. Whenever I purchase my next car, I am sure it wil...
by mjdaniel
Mon Aug 17, 2015 6:18 pm
Forum: Personal Consumer Issues
Topic: Gardening 2015
Replies: 11
Views: 1608

Re: Gardening 2015

I had some animals messing around in my garden. I purchased a motion sensor digital camera for under $100. If you can find a nice spot to hide it, you can identify the skunk just like I did. Sorry, I don't know the answer to your question about the squash, but I am sitting here pretty ticked off abo...
by mjdaniel
Tue Aug 11, 2015 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: SS withholding
Replies: 22
Views: 2147

Re: SS withholding

I also pay a sizeable chunk of my tax bill from an end of year IRA distribution. My first social security check arrives tomorrow. Since I have not gotten used to the income yet, I just mailed a W4V today,(after reading this post), to hold 25% of my monthly SS. It will not cover my total liability fo...
by mjdaniel
Tue Aug 11, 2015 2:38 pm
Forum: Personal Consumer Issues
Topic: Anyone not own a Smartphone
Replies: 76
Views: 6351

Re: Anyone not own a Smartphone

No smartphone yet. I have an LG ENV2 with the qwerty keyboard. I text more than talk, but right now, no need for apps. Like a previous poster said, when the time comes where the current technology requires it, I will make the move. Another reason for the delay is watching how others interact with th...
by mjdaniel
Wed Aug 05, 2015 4:48 pm
Forum: Personal Consumer Issues
Topic: Home security system and land line
Replies: 15
Views: 1745

Re: Home security system and land line

When I started with a security system, I had a landline. My existing equipment was compatible with ADT. When I removed my landline, and switched to ADT, they upgraded my control box and added the cell component. Since my only reception was Verizon Wireless, they added the "cell communicator box" (do...
by mjdaniel
Sat Jul 18, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Put checking accounts in living revocable trusts?
Replies: 14
Views: 5077

Re: Put checking accounts in living revocable trusts?

My wife was trustee and power of attorney for her mother's trust, which did not contain her checking account. I was executor and my sister was power of attorney for my mother's will. Last year each of us lost our mom's and we both sold homes and distributed the proceeds according to our mother's wil...
by mjdaniel
Mon Jul 13, 2015 3:38 pm
Forum: Personal Consumer Issues
Topic: Ford Explorer vs. Honda Pilot
Replies: 36
Views: 9921

Re: Ford Explorer vs. Honda Pilot

I currently own a 2015 Ford Explorer Sport with 7800 miles on it. I purchased it new, built for me. I got the sport for the 6 cyl twin turbo ecoboost engine, the sport suspension, and the 20" wheels, and gas mileage was not one of my priorities. You can burn 87 or 91 octane, and since day 1 I have b...
by mjdaniel
Fri Jul 03, 2015 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Fair Fees for Changing Living Trust
Replies: 2
Views: 1015

Re: Fair Fees for Changing Living Trust

When my wife and myself setup our trust in 1999, it cost us 400.00 which included transferring our house into it. May of this year, we did a restatement with my mother in law's lawyer and it cost us 600.00. He went to high school with my brother in law, so not sure the 1000.00 discount was for that ...