Search found 740 matches

by user5027
Fri Dec 08, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 89
Views: 5960

Re: Quit jobs to gain lower EFC

samsoes wrote:
Fri Dec 08, 2017 6:29 am
What is EFC?

Non-intuitive acronyms are ubiquitous on this forum.
Expected Family Contribution
by user5027
Wed Dec 06, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 71
Views: 6434

Re: Dad Needs Help Buying Wedding Liquor

The coverage would be Host Liquor Liability. It should be cheap for a single event. Call your insurance agent. Make sure the bartender/server is "Tips Certified" and checking ages/ids.
by user5027
Tue Dec 05, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Why ORP-I suggests you spending down aft-tax saving 1st?
Replies: 29
Views: 2263

Re: Why ORP-I suggests you spending down aft-tax saving 1st?

If gains are involved, selling and spending down taxable investments in low income years before pensions, social security and/or rmd's kick in could incur lower capital gains tax.
by user5027
Tue Nov 21, 2017 4:48 am
Forum: Investing - Theory, News & General
Topic: recharacterization question
Replies: 2
Views: 499

Re: recharacterization question

I am planning on doing a tIRA to Roth Conversion in the next few weeks and have a recharacterization question for those that are familiar with the process details. Me: -Retired, aged 67, with little to no wage income expected in 2018. -I'm anticipating doing a $30,000 tIRA conversion to a Roth in D...
by user5027
Mon Nov 20, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Returns - How Long Do you Keep?
Replies: 56
Views: 4533

Re: Tax Returns - How Long Do you Keep?

I have most if not all, at least back to the early 1980's. Can't recall if I ever needed them. So far social security has my earnings record correct. If they ever drop off say 10 years, the first place I will look is my tax returns to prove them wrong. With my voting record I would hate to have to a...
by user5027
Mon Nov 13, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: buying a tux - any experience with Indichino?
Replies: 7
Views: 556

Re: buying a tux - any experience with Indichino?

I got one 6 years ago from myowntuxedo.com and am happy with it.

I think it was used jacket and pants and two new shirts and a tie.
by user5027
Sat Nov 11, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA EFC number shock! [Expected Family Contribution]
Replies: 39
Views: 4239

Re: FAFSA EFC number shock!

It has been ten years since we filled out the FAFSA. For three years we had two in college. The EFC gets divided by the number of family members in college. That helped for those three years.
by user5027
Tue Oct 17, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 22
Views: 3804

Re: Roofer stopped showing up - what are my options?

This is little help to you now but will help others in the future. Summer 2016 we replaced our 28 year old roof, 2 skylights, powered roof vent, gutters/downspouts and entire master bedroom cathedral ceiling drywall. The job also included installing hip vents to solve a common ventilation issue with...
by user5027
Tue Oct 10, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2188

Re: Moving Stroke Victim Out of State

If you turn off the water also turn off the hot water heater.
by user5027
Mon Oct 02, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6628

Re: Are credit cards rewards worth it?

The university my daughter did her bachelors at accepted tuition payments with a credit card with no fee. I generated enough rewards on a Home Depot credit card to buy a refrigerator. Every time I open the fridge I think of that. Just as she graduated they announced they would begin charging a fee l...
by user5027
Tue Sep 26, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8942

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

Not sure this would work for your specific procedure, but when my fiance needed a doctor in a new location, her father walked into the local pharmacy and asked the pharmacist. It worked. The physician was excellent and we stuck with him until he unfortunately went concierge.
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: 680

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: 3762

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: 762

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: 1809

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: 4820

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: 2409

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: 1755

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: 1094

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: 2244

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: 5946

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: 1586

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: 2038

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: 4050

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: 2595

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: 3562

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: 4681

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: 4205

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: 1494

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: 1511

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: 2190

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: 3257

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: Personal Finance (Not Investing)
Topic: Troublesome and questionable change in I-ORP Social Security Calculations
Replies: 12
Views: 2744

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: 1873

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: 2759

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: 5517

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: 4750

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: 1158

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: 1356

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: 2003

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: 1171

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: 4447

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: 3585

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: 11318

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: 1523

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: 1845

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: 1513

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 difficult t...