Search found 770 matches

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: 151
Views: 10796

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: 1337

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: 5428

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: 5048

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: 3562

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: 1542

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: 1542

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: 6072

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: 728

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: 2221

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: 2159

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: 5611

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: 5611

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: 2228

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: 5168

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: 6929

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: 30
Views: 3225

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: 30
Views: 3225

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: 7490

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: 962

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.
by user5027
Wed Feb 07, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Philadelphia and Pittsburgh local taxes
Replies: 12
Views: 962

Re: Philadelphia and Pittsburgh local taxes

Philadelphia does have a wage tax.
by user5027
Tue Feb 06, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Keep your eye on the owner, not the dog
Replies: 31
Views: 5087

Re: Keep your eye on the owner, not the dog

TonyDAntonio wrote:
Tue Feb 06, 2018 12:28 pm
I actually like a cartoon I saw in a Ric Edelman book. It was a kid climbing a hill with a yo-yo going up and down. Pay attention to the hill climb not the short-term ups and downs of the yo-yo.
Put the yo-yo string on a routine service schedule. I'd hate to see it break! :idea:
by user5027
Tue Feb 06, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Keep your eye on the owner, not the dog
Replies: 31
Views: 5087

Re: Keep your eye on the owner, not the dog

btenny wrote:
Tue Feb 06, 2018 12:23 pm
It sure is fun to stop and pet the dog occasionally. Most of them love the attention!!!!!
Our dog will roll over so you can rub his tummy. Just make sure he doesn't squirt on you! :D
by user5027
Sun Jan 14, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: How long do you save tax returns?
Replies: 39
Views: 3556

Re: How long do you save tax returns?

Asked and answered.

Link

And I am not a lawyer, but I have been at depositions.
by user5027
Fri Jan 12, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Career Changer Traditional 401k/ to Roth IRA Conversion Question
Replies: 1
Views: 130

Re: Career Changer Traditional 401k/ to Roth IRA Conversion Question

My question is: Would it be beneficial for me to roll my entire pretax (and possibly general account containing vested employer match) account into a traditional IRA, and then gradually convert this balance to a Roth IRA. Does the converted balance count as annual income for the year? Or would I ne...
by user5027
Thu Dec 28, 2017 8:02 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine
Replies: 41
Views: 6605

Jack Bogle and Vanguard’s $5,000,000,000,000 Question - Philadelphia Magazine

Just came across an interesting read this morning...

As the once-scrappy Malvern company approaches $5 trillion in assets, even founder Jack Bogle has to wonder: Has Vanguard simply gotten too big?

Link
by user5027
Tue Dec 19, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best online, real time tracker to watch my portfolio
Replies: 25
Views: 2228

Re: Best online, real time tracker to watch my portfolio

hirlaw wrote:
Tue Dec 19, 2017 10:47 am
When you use a service such as Personal Capital or Yahoo to track your investments, are you giving them your actual user names and passwords for each account?
For Yahoo you are not giving Yahoo your usernames and passwords for your financial accounts. You of course need a yahoo account.
by user5027
Tue Dec 19, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Best online, real time tracker to watch my portfolio
Replies: 25
Views: 2228

Re: Best online, real time tracker to watch my portfolio

I use Yahoo / Finance / My Portfolios. It can be a little quirky at times but I have my need satisfied. I get real time data and can leave a browser page open in the corner of my monitor, if I want or even check it on my phone while waiting in the deli line. Don't worry, I am a true Boglehead buy an...
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: 111
Views: 9596

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: 7421

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: 2690

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: 571

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: 5840

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: 712

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: 4991

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: 4072

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: 2447

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: 9158

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: 10025

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: 761

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: 4281

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: 886

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: 2607

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: 5564

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: 49
Views: 3391

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: 2007

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: 1409

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 ...