Search found 728 matches

by user5027
Thu Sep 14, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Bank charges monthly fee for Quicken and Quickbooks
Replies: 6
Views: 593

Re: Bank charges monthly fee for Quicken and Quickbooks

spammagnet wrote:
Thu Sep 14, 2017 6:58 am
It's not entirely a junk fee because the bank has to pay a license fee to Quicken and there are other costs involved in providing the service.
I hope my bank charges a fee for the service since I don't use it. Otherwise all customers are paying for the ones that do.
by user5027
Sat Sep 09, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3270

Re: Flood Insurance when not in flood plain?

I live in a flood plain and I have flood insurance.

Get a quote. If you are not in a flood risk area it will be cheap. Or wait until your new neighbor Noah moves in and starts building an ark. :D
by user5027
Sun Sep 03, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Central vacuum
Replies: 6
Views: 677

Re: Central vacuum

We just bought a condo that has a central vacuum sitting in the attic. I would re-read the sales listing information and see if it included the central vacuum. Was the condo inspected as part of the sale? I would think the inspector would have seen the vacuum in the attic, if it was there then, and...
by user5027
Mon Aug 28, 2017 5:05 am
Forum: Personal Consumer Issues
Topic: Laptop: 2-in-1 vs. Detachable?
Replies: 21
Views: 1543

Re: Laptop: 2-in-1 vs. Detachable?

I've had a HP Pavilion x360 for 3 years. At home it is connected to a Logitech external keyboard and mouse and a 23 inch Samsung second monitor. When I travel I use it as a tablet 50% of the time. I usually take the mouse with me.

It works for me. Full size when home and compact to travel.
by user5027
Thu Aug 24, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 4334

Re: Exhaust Fan for the bathroom

I always went for the noisiest fan. There are times you want a constant drone to block out an occasional outburst. :idea:
by user5027
Tue Aug 22, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2137

Re: Can you recommend a good mouse trap?

I agree with the old fashion wood snap traps baited with peanut butter.

I never throw out the trap with the dead mouse, but always re-use the trap. I don't understand throwing out a perfectly well performing trap. If you throw the good ones out, you are only left with the ones that do not work.
by user5027
Sat Aug 19, 2017 12:48 am
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1566

Re: How do you know how much your portfolio lost/gain in one day?

ccieemeritus wrote:
Fri Aug 18, 2017 2:44 pm
I manually entered my holdings into a Yahoo finance portfolio. It updates based on prices daily.
+1
by user5027
Sat Aug 12, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Should I buy a paint sprayer?
Replies: 10
Views: 966

Re: Should I buy a paint sprayer?

I never used a sprayer but my experience may help you. We rebuilt our home and we held the painting back from the GC and did it ourselves. A co-worker loaned me his "power roller." It was an electrically powered pump that pumped the paint right out of the can through a hose and roller handle to the ...
by user5027
Wed Aug 09, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Toyota Radio and Backup Camera No Longer Work
Replies: 41
Views: 1931

Re: Toyota Radio and Backup Camera No Longer Work

Make sure the fuse(s) are not blown.
by user5027
Tue Aug 01, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: does solar increase the value of a house
Replies: 61
Views: 5479

Re: does solar increase the value of a house

Are there issues for firefighters? I recall hearing firefighting at an industrial building was hampered by rooftop solar panels. Another reported issue... Fire official: Solar panels impede firefighters in putting out Middletown house fire .... But Bampfield said the solar panels prevented the roof...
by user5027
Mon Jul 31, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1474

Re: Florence Hotels.......

In May 2016 we enjoyed a stay at the Grand Hotel Baglioni. It is very close to the train station.
by user5027
Wed Jul 19, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: Complex (profitable?) Roth Conversion Strategy
Replies: 23
Views: 1866

Re: Complex (profitable?) Roth Conversion Strategy

Example: Joe has $1M in his tIRA and $0 in Roth when he retires at age 55. He plans to maintain a 60/40 AA (ignoring the different values of a pre-tax dollar versus Roth dollars to keep the example as simple as possible). He decides that he wants to 100% convert his tIRA to Roth over the next ten y...
by user5027
Sat Jul 15, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3750

Re: what's your secrete to cleaning inside car windows?

I think the inside of car windows are hardest given the angles, how I need to twist my joints that don't want to be twisted, and the weird film that develops on them (I assuming from heating plastics. Back window always a pain. It was very hard to get the interior surface of the windows clear on ou...
by user5027
Thu Jul 13, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Working in New York City and living in NJ: Taxes
Replies: 26
Views: 2180

Re: Working in New York City and living in NJ

If you file your federal return as Married Filing Jointly, New York requires you to file the same way, even if the spouse's income is not earned in New York. Tax is only paid on the income earned in New York, but the rate is determined by the jointly earned income. It is a progressive tax. A high ea...
by user5027
Wed Jul 12, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: bob brinker on Roth [conversion]
Replies: 26
Views: 3297

Re: bob brinker on Roth

If you convert on Jan 1, 2018 you have until Oct 2019 to recharacterize.

A 2017 conversion can be recharacterized as late as Oct 2018.

If you already filed you will need to amend.
by user5027
Sun Jul 02, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Chances of delaying Social Security to age 70. Realistic?
Replies: 54
Views: 4268

Re: Chances of delaying Social Security to age 70. Realistic?

Well, they did make SS taxable to varying degrees for higher income retirees some years ago, but I don't recall any benefit cuts ever, either projected amounts for current workers or actual amounts for current recipients... I was working in 1983 when they changed my FRA from age 66 to age 66 and 8 ...
by user5027
Sat Jul 01, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: FIREcalc says I can retire. Should I ?
Replies: 19
Views: 3922

Re: FIREcalc says I can retire. Should I ?

Make sure your expenses include taxes.
by user5027
Wed Jun 21, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Ideal basement humidity %
Replies: 10
Views: 1352

Re: Ideal basement humidity %

Less than 60%, except 70% in the cigar humidor.
by user5027
Thu Jun 15, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Do you like receiving email confirmations of online transactions?
Replies: 21
Views: 1345

Re: Do you like receiving email confirmations of online transactions?

I like them. Vanguard also sends me a text when a bank transfer is made. I also have our credit cards set to send me transaction alerts. I've jumped on some cases of fraud while the charges are still pending rather than waiting for a monthly statement to review. I like using technology to my advanta...
by user5027
Tue Jun 13, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Multi-page scanner?
Replies: 26
Views: 1879

Re: Multi-page scanner?

I use a Fujitsu ScanSnap S510. Works great.
by user5027
Sat Jun 10, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2774

Re: Naming boat

One of the best boat names I have seen is "Field Office."

Having worked in construction where the worksites have field offices, I can see a construction company owner telling the home office staff "I'll be at the field office today."
by user5027
Sat Jun 10, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: Troublesome and questionable change in I-ORP Social Security Calculations
Replies: 16
Views: 1519

Re: Troublesome and questionable change in I-ORP Social Security Calculations

We downloaded our Social Security Statements last month. Both had the following notice... * Your estimated benefits are based on current law. Congress has made changes to the law in the past and can do so at any time. The law governing benefit amounts may change because, by 2034, the payroll taxes c...
by user5027
Tue Jun 06, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Traveling for 3 weeks
Replies: 17
Views: 1718

Re: Traveling for 3 weeks

1) House - in the past before I leave my house for a 3 week vacation I will turn off the water coming into the house. Is there anything else recommended? I thought I saw a post on covering toilets to maintain the water in the toilet??? 3) Travel Health Insurance - in the past I have never purchased...
by user5027
Tue Jun 06, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead Board Game!!
Replies: 31
Views: 2538

Re: Boglehead Board Game!!

This brought back a memory from the 60's and 70's, playing 3M Bookshelf games Acquire and Stocks & Bonds. Thanks!!
Wikipedia
by user5027
Fri May 26, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 50
Views: 5012

Re: Septic Pumping - Did I get ripped off?

Just had one large and one small tank pumped in SE PA for $310. We do it every 3 years. The same guy has done for 20+ years.
by user5027
Sat May 20, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4300

Re: Need new Router/Wifi Networking Ideas

I improved our wifi range by raising the router. Ours is in a room on the first floor. It use to be on the floor and I moved it to a high shelf, about 7-8 feet off the floor.
by user5027
Wed May 17, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: ROTH Conversion Goal
Replies: 13
Views: 1017

Re: ROTH Conversion Goal

First: Be kind to heirs. Inheriting an IRA can easily be more a lump of coal than a happy gift. Roth is a lovely benefit to anyone. That depend on the heirs' tax bracket compared to yours. If yours is higher they may be better off inheriting a larger estate (including the taxes you did not pay doin...
by user5027
Mon May 15, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Signed contract to build new home - now what?
Replies: 17
Views: 1211

Re: Signed contract to build new home - now what?

Somebody, you or builder, need to obtain the permits.
by user5027
Fri May 05, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Amex membership rewards help
Replies: 16
Views: 1705

Re: Amex membership rewards help

awval999 wrote:There's no free Amex charge cards, so he can't downgrade to a no annual fee card.


We have the Amex Blue Cash (since 2009) and never paid a fee.
by user5027
Sun Apr 30, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Best universal remote for TV/home theater
Replies: 8
Views: 1113

Re: Best universal remote for TV/home theater

When I read the title I was going to suggest what we have, the Logitech Harmony One. Ours is probably 5 years old and has worked well controlling the tv, dvd player, receiver and projector. :?
by user5027
Sun Apr 30, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 4204

Re: Car maintenance for older cars - where do you go ?

A local independent mechanic that I have known for 39 years.
by user5027
Fri Apr 28, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: A Game of "Who is responsible"
Replies: 45
Views: 3362

Re: A Game of "Who is responsible"

I read the thread and it is not clear how the decision was made for the op to buy the toilets and hire the plumbers to install them rather than hire the plumbers to furnish and install the toilets. If the plumber furnished they would have marked up the material cost to cover the risk. Owner furnishe...
by user5027
Fri Apr 28, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 77
Views: 10798

Re: Senior Lifetime National Parks Pass Fee Going Up

leeks wrote:This looks like a great mother's day gift idea, can you order one for someone else?


I ordered my wife one in September as a surprise after her birthday. I had to scan and submit her passport.

I am not eligible yet. I tell everyone she robbed the cradle. :oops: << that's her hand not mine
by user5027
Fri Apr 28, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Should we wait untill tax's are changed
Replies: 9
Views: 1473

Re: Should we wait untill tax's are changed

I suppose there might be some situations where it makes sense to pay taxes for a conversion out of a tIRA but I generally read that it was not recommended to make the tax payments out of your traditional account. That is especially true if you are under age 59.5 since the taxes would not be part of...
by user5027
Wed Apr 26, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: How do you build a house?
Replies: 10
Views: 1736

Re: How do you build a house?

We reconstructed our home in 1988 after the birth of our second child. It was a one and a half story, demolished to the first floor and was reconstructed as a two story on a slightly larger foundation. We roughed out our own design. I did a plot plan and applied for the zoning permit. Once we had th...
by user5027
Tue Apr 25, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Investors Capturing Returns of All U.S. Equities?
Replies: 19
Views: 1425

Re: Investors Capturing Returns of All U.S. Equities?

I just came across a fascinating report published last month from Credit Suisse titled "The Incredible Shrinking Universe of Stocks: The Causes and Consequences of Fewer U.S. Equities." There are many points made in it but the significant one for people on this forum would be that it is d...
by user5027
Mon Apr 24, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 4660

Re: Zero-Turn Mowers

Bacchus01 wrote:Does it have the Chinese Toro engine?


Loncin, one of the largest engine manufacturers in the world. Toro has been using Loncin engines in many of their products since 2009.
by user5027
Mon Apr 24, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 4660

Re: Zero-Turn Mowers

A lot of residential zero turns will shut the blades off when backing up, which is kind of a pain. Most of the zero turns made by manufacturers that market more towards commercial mowing can be used in reverse, even if they are the residential version (ex. SCAG and Exmark lower end models). Toro ha...
by user5027
Mon Apr 24, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 4660

Re: Zero-Turn Mowers

I'm piggybacking onto this thread as I'm also in the market for a ride on/zero turn mower. My only question is how are the zero turn on hills? I have one section of my back yard that has a pretty decent slope (maybe not quite 30 degrees but I bet it's close). Is a zero-turn out of the question? My ...
by user5027
Mon Apr 24, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 4660

Re: Zero-Turn Mowers

If given a choice between a 50 inch deck with a steering wheel or 54 inch deck without, what would you all choose? Never used the bars so I would choose the wheel. I went from a 38" to a 42". The salesman was talking me into a 50" but I resisted. Less room in the shed was my con. As ...
by user5027
Sun Apr 23, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 4660

Re: Zero-Turn Mowers

Is the steering wheel worth it or better to go with the standard controls? I just got a Toro with the steering wheel (see my post above) and like it. I wanted the zero turn but did not want to use the bars. I smoke a cigar to keep the flies at bay while I cut and enjoy a beverage. I heard the steer...
by user5027
Sun Apr 23, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Buying weekend home: suburbs or rural? (yard privacy important)
Replies: 24
Views: 2384

Re: Buying weekend home: suburbs or rural? (yard privacy important)

I've lived in Bucks County most of my life. It is common for nearby residents to commute to NYC. From what you describe and if you are not tied to the area (ie. easy access to Amtrak NEC/NJTransit), I would look further north in the Poconos. Look along the I78 or I80 corridors if transportation is i...
by user5027
Fri Apr 21, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: What to do with books
Replies: 16
Views: 1376

Re: What to do with books

We have used a local book drop for Better World Books...
Link
by user5027
Tue Apr 18, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: How Do Taxes Work With Rollover Roth IRA?
Replies: 11
Views: 878

Re: How Do Taxes Work With Rollover Roth IRA?

I'm kinda confused with how the taxes are calculated when it comes to a 401(k) rollover to Roth IRA. Does the money from the 401(k) get added into your income you made from your job that year then taxed. Or, is the money from the 401(k) taxed separately from income. Examples: A. You make $10,000 at...
by user5027
Sat Apr 15, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?
Replies: 11
Views: 788

Re: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?

Back before the internet I use to mail our IRA contributions to Vanguard when I mailed our federal, state and local returns. The Vanguard statements use to have a stub you could tear off and mail in with your check and they use to give you a postage paid envelope. It certainly took several days for ...
by user5027
Sat Apr 15, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?
Replies: 11
Views: 788

Re: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?

When I make an IRA contribution online at Vanguard I am asked to indicate what year the contribution is for. See if you can indicate 2016.
by user5027
Fri Apr 07, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Best deals using restaurant apps
Replies: 4
Views: 741

Re: Best deals using restaurant apps

TGI Fridays has a mobile app with a rewards program.
by user5027
Fri Apr 07, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA conversion for a retired couple
Replies: 11
Views: 837

Re: Roth IRA conversion for a retired couple

One consideration would be if they could be facing large medical expenses down the road. It could be advantageous to offset all or part of the conversion income with a medical deduction.

I've heard the suggestion to leave some tIRA for that situation.