Search found 799 matches

by user5027
Sun Jan 06, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do you take inheritance into account when calculating net worth?
Replies: 68
Views: 4499

Re: Do you take inheritance into account when calculating net worth?

I've posted before...

I am reminded of the joke about the guy bragging to his date that he will be coming into a sizable inheritance when his old sick father dies. The date quickly runs off and marries his father.
by user5027
Thu Jan 03, 2019 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Returns Extremely Disappointed
Replies: 44
Views: 5041

Re: Vanguard Returns Extremely Disappointed

This thread reminds me of a book of Aesop's Fables that I had as a child. The Dog With the Bone meant alot to me and I found it on youtube...
https://www.youtube.com/watch?v=QpWKBBDyiqo

Now I need to find the book for my granddaughter.
by user5027
Wed Dec 12, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 37
Views: 6319

Re: Early retirement mistakes???

How the little projects around the house take longer to get done. When I was working I would plan everything out beforehand, get all the materials and tools together (often before the weekend) and work like crazy all weekend so it was done before heading back to work on Monday. Now it is too hot, to...
by user5027
Sun Dec 09, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?
Replies: 49
Views: 4336

Re: Teachers, Professors, and others with lots of vacation days: what do you do in the summer?

Back in the 1970's they worked in construction. The summer after 7th grade, my math teacher was framing houses on our block. I remember riding my bicycle and saying hi to him as he was carrying lumber, wearing a carpenter's belt and a pencil tucked behind his ear.

Thanks for the memory. :beer
by user5027
Fri Dec 07, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: Why are market corrections "healthy"?
Replies: 27
Views: 2093

Re: Why are market corrections "healthy"?

Think of it as being on a bland diet to avoid irrational exuberance. :D
by user5027
Fri Dec 07, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Solid my entire portfolio 12/3/18
Replies: 49
Views: 8625

Re: Solid my entire portfolio 12/3/18

With the sitting on the sideline analogy, I was thinking your cash is singing to you...
https://www.youtube.com/watch?v=pffsACjunAM
by user5027
Wed Nov 21, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Expensive car accident | Watching our for insurance
Replies: 16
Views: 2204

Re: Expensive car accident | Watching our for insurance

masonstone wrote:
Wed Nov 21, 2018 9:23 am
Do you mean she hit a deer? I can’t imagine a dear going fast enough to cause that much damage!
I've had 3 deer hits - all the deer ran into the side or fender. One was totaled. It was to be repaired, mechanic saw more damage after starting and pushed it over the line to totaled.
by user5027
Sun Nov 18, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7566

Re: Too many choices for my next TRUCK

Congratulations! Wishing you many happy miles. :beer
by user5027
Thu Nov 15, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 32
Views: 2235

Re: Mouse in the house

Thanks all, I think I will start with the snap traps with peanut butter and hold off on the poison carpet-bombing. Attach one end of a piece of wire to the trap and attach the other end to any nearby fixed object. It will avoid finding the trap missing after the customer has tried to wiggle away an...
by user5027
Sat Nov 10, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7566

Re: Too many choices for my next TRUCK

smitcat wrote:
Fri Nov 09, 2018 9:59 am
I see you are below the typical snow line so snow related weather would not affect your Honda choice.
Huh??? We are between Philly and Allentown PA .... 22 and 33 inch annual average snowfalls respectively.

Both the Audi and Ridgeline are AWD and snow was definitely a factor in our choices.
by user5027
Fri Nov 09, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7566

Re: Too many choices for my next TRUCK

For the 30th response I'll throw a tangent... Honda Ridgeline. I drove Ford F250's and F350's for 30 years at work. Was given the F350 Supercab I was driving when I retired. Occasionally the wife would have to drive the truck, usually when I was going to the city and took her Audi to avoid parking t...
by user5027
Wed Nov 07, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: How much to donate to local police and fire department?
Replies: 23
Views: 1834

Re: How much to donate to local police and fire department?

I make three annual donations to police and fire departments. We use to donate $50 to the ambulance squad that covered our area when they solicited, before the service was taken over by the local hospital under an agreement with the township. $100 (tax deductible) directly to the volunteer fire depa...
by user5027
Mon Oct 22, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Suddenly retired...would appreciate asset allocation and withdrawal advice
Replies: 7
Views: 2201

Re: Suddenly retired...would appreciate asset allocation and withdrawal advice

Emergency funds: 6 months Debt: Mortgage $362,000 3.375% 28 yrs to go Tax filing: Married Filing Joint Tax rate: Fed 24% in 2018; 15% in 2019 State: 3.07% State: Pennsylvania Age: His 65 Hers 58 (both retired as of 10/01/2018 Desired Asset Allocation: 50% Stocks / 50% Bonds ? Desired International ...
by user5027
Tue Oct 02, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4610

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

The thought of prepaying for anything always makes my mind run wild with different outcomes. I wonder if the "premium" is returned when I go lost at sea after falling overboard on a cruise. Nolo Quicken Willmaker has a Final Arrangements document that is helpful in laying out your wishes. I did mine...
by user5027
Sat Sep 01, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Running/Attending 1st Marathon - Philadelphia
Replies: 9
Views: 891

Re: Running/Attending 1st Marathon - Philadelphia

Never did the marathon but one option is SEPTA Regional Rail to Suburban Station and walk up the parkway to where the race starts/ends.
by user5027
Thu Aug 30, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with death and the family finances
Replies: 21
Views: 3042

Re: Dealing with death and the family finances

Sorry for your loss. PA uses paper titles, issued to the owner once any financing is satisfied. It might be in the safe deposit box. I recall in PA you can transfer vehicles between family members without triggering sales tax. Auto tag place or AAA will know process/forms. You may want to consider c...
by user5027
Wed Aug 01, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1978

Re: Why is new strip of lawn different color?

Check for a septic tank or field.

In 1976 Erma Bombeck wrote a book about suburban living titled "The Grass is Always Greener over the Septic Tank."
by user5027
Sun Jul 29, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Any problems with freezer "drawer" models
Replies: 40
Views: 3015

Re: Any problems with freezer "drawer" models

retiredjg wrote:
Sun Jul 29, 2018 12:15 pm
the French doors sometimes don't close on their own
This is usually due to the unit leaning forward and can be solved by tilting the unit backwards slightly by raising the front legs and/or lowering the rear legs.
by user5027
Sun Jul 29, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Any problems with freezer "drawer" models
Replies: 40
Views: 3015

Re: Any problems with freezer "drawer" models

Bought a Maytag MBF1956KEQ Bottom Mount Refrigerator (bottom freezer drawer) in June 2009 and have been very pleased with it.
by user5027
Sat Jul 28, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: EMV Chip + Pin priority credit cards available in the USA?
Replies: 11
Views: 728

Re: EMV Chip + Pin priority credit cards available in the USA?

whodidntante wrote:
Sat Jul 28, 2018 10:51 am
"Target Credit Card can only be used at Target stores and on Target.com"

That's from the application. If true, the red card is not an option at all.
That is true. I called them a few years ago about using the red card overseas and they said it is for use in Target stores only.
by user5027
Sat Jul 28, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Plumbing emergency: Guillens for parts? Has anybody used?
Replies: 14
Views: 1067

Re: Plumbing emergency: Guillens for parts? Has anybody used?

Do you have an old fashion "supply house" near by? I've one about 11 minutes away... http://www.finkles.com/ A visit is a trip back in time. It has wooden floors and when you walk in the door you take a reusable number (not a piece of paper). Someone has to help you as everything is shelved floor to...
by user5027
Thu Jul 26, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: your advice on new oven
Replies: 22
Views: 2111

Re: your advice on new oven

We bought a Samsung NE59J7630SW/AA in December 2015 and have been very happy with it. We do use the convection, like the low/high broil and 20 minute steam clean.
by user5027
Sun Jul 22, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: Suggestions About Simulating Homemade Chicken Stock
Replies: 28
Views: 1800

Re: Suggestions About Simulating Homemade Chicken Stock

We tend to cook outside on the hottest days. Besides the charcoal grill, we have a toaster oven and a portable electric double burner we can use outside. They come in handy when the power goes out too. We have a generator, but it does not power the oven.
by user5027
Fri Jul 20, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 62
Views: 3835

Re: Fake IRS calls - anybody care?

They almost always have a thick foreign accent.

My response is always, "Karma will get you."

They usually ask, "What did you say?"

I'll repeat, "Karma will get you."

The next thing I always hear is "CLICK."

I think they will tend to place me on the "don't waste our time list."
by user5027
Thu Jul 05, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Removing dead poison ivy
Replies: 24
Views: 1485

Re: Removing dead poison ivy

My method... Before: Wear full cover clothing and gloves. Use Ivy X lotion on any exposed skin and skin that may be exposed when extending arms (between gloves and sleeves). I use to use Ivy Block but could not find it about a year ago. Ivy X seems to work well. After: Wash/shower immediately after ...
by user5027
Fri Jun 29, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6968

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

When I retired several years ago, the company gave me my company vehicle, a 2001 F350. We just replaced it in March with a Honda Ridgeline. Chose the Ridgeline since my wife would occasionally need to use the truck and she liked the Ridgeline's ride/size.
by user5027
Tue Jun 26, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7904

Re: Family dynamics/in laws/am I being petty?

Do you like to gamble? Put some suspense and competition into it and play credit card roulette...

https://www.youtube.com/watch?v=4m1eBLB8ens
by user5027
Mon Jun 25, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Basement waterproofing questions
Replies: 10
Views: 1183

Re: Basement waterproofing questions

In some cases the issue is no more complicated than making sure roof gutters are working right and downspout outlets are directing water away from the house. +1 Also check the grading around the house, surface rain water should be directed away from the house. DS and his DW bought a new home that h...
by user5027
Sat Jun 16, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 13172

Re: Which boglehead rule do you break--and are ok with

Two. 1) I cut and pasted a full article along with the link. I always worry the link will die and the content lost. 2) I made a non-actionable post with a news article about carrying mortgages into retirement. It was non-actionable for me (I've no mortgage) but would be beneficial for others to cons...
by user5027
Wed Jun 13, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: What To Do About 2001 Honda Odyssey With No AIr
Replies: 16
Views: 1533

Re: What To Do About 2001 Honda Odyssey With No AIr

Can't find it now but saw a universal solution on facebook, if you have a trailer hitch. It was a video of a car going down the highway with a window ac in the rear window powered by a gas generator sitting on a trailer hitch storage frame. :idea:
by user5027
Sat Jun 09, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Fox Business Channel Friday June 8
Replies: 65
Views: 6139

Re: Jack Bogle on Fox Business Channel Friday June 8

She took over the show from Anthony Scaramucci and Morgan Stanley senior advisor Gary Kaminsky when Scaramucci was pursuing a role in Trump's cabinet. She is credited with being the first reporter to broadcast live from the floor of the NY Stock Exchange. I like watching her other shows too, the M-F...
by user5027
Sat Jun 09, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5920

Re: Rowing machine motivation

I always thought watching a video while rowing would motivate me. Try a large wide screen TV or a projector and big screen with the video of a river approaching a waterfall with a huge drop, filmed from the point of view of a small kayak or canoe. The audio should be the loud sound of the water casc...
by user5027
Wed May 30, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Bank overpaid contractor and wants my daughter to be responsible
Replies: 25
Views: 3817

Re: Bank overpaid contractor and wants my daughter to be responsible

But the BANK inspector went to *every* kitchen/bathroom/half bathroom, and check every faucet for water, and let each hot water faucet run until the water got fully hot. I remember hearing about a highway contractor that built a new road with storm sewers and manholes. A few years went by and someo...
by user5027
Sun May 27, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: electrical outlet dead; fuse not tripped
Replies: 23
Views: 1727

Re: electrical outlet dead; fuse not tripped

SOLVED. The outlet is part of a chain of 4 outlets. Two of the outlets are inside (garage and basement) and the other two are outside. I vaguely remember the construction supervisor telling me that the basement outlet was part of the chain with the outside outlets. He didn't tell me the outlet in t...
by user5027
Sun May 27, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: electrical outlet dead; fuse not tripped
Replies: 23
Views: 1727

Re: electrical outlet dead; fuse not tripped

I have a set of electrical outlets in the basement that is now dead. None of breakers tripped. That was my first thought. Both the upper and lower outlet are dead. t is not GFCI. Is it on a circuit downstream from a GFCI outlet? The GFCI outlet may be tripped which will kill the downstream non-GFCI...
by user5027
Thu May 24, 2018 6:00 am
Forum: Personal Finance (Not Investing)
Topic: How do I tell if Roth conversions are worth the trouble?
Replies: 76
Views: 6845

Re: How do I tell if Roth conversions are worth the trouble?

Because the great bulk of our taxable account is money on which we've already paid taxes, we are currently in the zero percent tax bracket for both income and capital gains and basically pay no federal or state taxes. We expect to be in this position for at least the next several years. Limit your ...
by user5027
Sat May 12, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Help With Insurance Needs While Living Abroad
Replies: 7
Views: 833

Re: Help With Insurance Needs While Living Abroad

If your home will be unoccupied you should read your homeowners policy and/or discuss with your agent/insurance company. You wouldn't want a claim denied for not abiding by the terms of your policy.
by user5027
Thu May 10, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Custom suit needed for a wedding. Help me shop around!!
Replies: 30
Views: 2589

Re: Custom suit needed for a wedding. Help me shop around!!

Go to where the best dressed coach in men's basketball goes...
https://dbtailors.com/
by user5027
Wed May 09, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2523

Re: Vehicle Tires and Dry Rot

Exposure to sunlight is a factor.

You see RVs parked long term with covers over the tires.
Tires will last longer on a garaged low mileage car than on one parked outside.
The spare is in the trunk usually.
by user5027
Wed Apr 18, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 6603

Re: [When is going out to a restaurant worth it to you?]

- When we have a coupon, Living Social or Groupon I don't want to hijack this thread, but has anyone else had the experience of going to a restaurant with a Living Social, Restaurant.com, or Groupon certificate, discount coupon, or gift card and gotten the Thing that just crawled out from under a r...
by user5027
Sat Apr 07, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 6603

Re: [When is going out to a restaurant worth it to you?]

- For a celebration
- When it is Restaurant Week
- When we have a coupon, Living Social or Groupon
- When someone else is buying :D
by user5027
Thu Apr 05, 2018 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Used a Healthcare Broker--and I liked it!
Replies: 15
Views: 2496

Re: Used a Healthcare Broker--and I liked it!

OnTrack wrote:
Thu Apr 05, 2018 12:03 am
How does one get a group plan if not employed or a business owner?
I'm retired and on my wife's group plan through her employment.
by user5027
Thu Mar 29, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Printing out a ten thousand page form 8949 for the IRS?
Replies: 48
Views: 5775

Re: Printing out a ten thousand page form 8949 for the IRS?

So much for filing your taxes on a postcard. :D
by user5027
Thu Mar 08, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Is this too much for a kitchen?
Replies: 69
Views: 7924

Re: Is this too much for a kitchen?

I knew a guy that did kitchens and baths. He said he could always judge how serious the buyers are by looking for a new corvette in the driveway. If there was, he got his and now she is getting hers. :D
by user5027
Wed Feb 21, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 37
Views: 4462

Re: What's the impact of no more Roth recharacterization?

I always did my conversion early in the year. Now I am waiting to do it later in the year. The stock market has had more up years than down years. If that continues, it would be better to convert early in the year. If it doesn't continue, you might not want to be in the stock market. Which is why I...
by user5027
Wed Feb 21, 2018 7:13 am
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 37
Views: 4462

Re: What's the impact of no more Roth recharacterization?

I always did my conversion early in the year. Now I am waiting to do it later in the year.
by user5027
Fri Feb 16, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 8493

Re: How to get child's skin in the game for college?

Our two children took the subsidized loans and the deal was if they finished school Mom & Dad paid off the loans and if they did not finish, they had to payoff the loans. I remember our son saying "that's a no brainer." They both finished and we paid.
by user5027
Wed Feb 07, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Philadelphia and Pittsburgh local taxes
Replies: 12
Views: 1046

Re: Philadelphia and Pittsburgh local taxes

moneywise3 wrote:
Wed Feb 07, 2018 8:42 am
I believe only Philadelphia county area is taxed. If you are in suburbs, which is most of Philly, you aren't taxed.
Actually many of the PA municipalities and school districts surrounding Philadelphia have a Local Earned Income Tax in an effort to reduce real estate taxes.