Search found 909 matches

by samsoes
Sun Jan 20, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Getting rid of Silverfish?
Replies: 15
Views: 1649

Re: Getting rid of Silverfish?

Raid Ant and Roach spray works. Spray all along the baseboards in the infested room; it leaves a residual film long after it dries. Re-apply each time you see them. They will soon be gone.

Worked for me.
by samsoes
Sun Jan 20, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 40
Views: 1762

Re: Evaluating Job Offer - Longer Commute

Nooooooooooooooooooooooooooo! Don't do it! Two years ago, I traded a job 7 miles away (with all the major holidays plus Columbus and Veteran's day, Good Friday, Easter Monday, Thanksgiving Wednesday, Thursday, Friday, entire week between Christmas and New Year) for one 45 miles away with very few ho...
by samsoes
Fri Jan 18, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Citrus Canker compensation check
Replies: 2
Views: 480

Re: Citrus Canker compensation check

How much was the check?
by samsoes
Thu Jan 17, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 111
Views: 9945

Re: Gas station prices and quality

yeahman wrote:
Thu Jan 17, 2019 2:27 pm
Here's a list of Top Tier gas: https://www.toptiergas.com/licensed-brands/
Do these gasoline providers have to pay to be on this list, like the dentists on 1-800-DENTIST?
by samsoes
Thu Jan 17, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 852
Views: 44717

Re: John Bogle has died at age 89

Eternal rest grant unto him, O Lord, and let perpetual light shine upon him. May his soul, and the souls of all the faithful departed, through the Mercy of God, rest in peace.
Here's to a good man: :sharebeer
by samsoes
Thu Jan 17, 2019 7:03 am
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 111
Views: 9945

Re: Gas station prices and quality

After having watched the same unmarked tanker truck replenish a Top Tier station and then drive down the street and replenish a cheapo no-name station, I decided not to fall for the "it's better gas" hogwash.
by samsoes
Wed Jan 16, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 5941

Re: Gillette Mach 3 alternatives

Strange direction this thread has gone in. I just realized, people are actually deciding to boycott Gillette because they released a commercial that offended them :P :P :P Yeah, I thought it was about blades. Oops. I had to google the commercial since I hadn't seen it. Indeed. This thread has repea...
by samsoes
Tue Jan 15, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 10936

Re: Are You Dumping Netflix?

H-Town wrote:
Tue Jan 15, 2019 7:23 pm
Why can't Netflix get a raise?
They certainly can. But I'm not paying for it.
by samsoes
Mon Jan 14, 2019 7:21 am
Forum: Investing - Theory, News & General
Topic: How to avoid temptation to buy hot stocks or bitcoin?
Replies: 63
Views: 4256

Re: How to avoid temptation to buy hot stocks or bitcoin?

nyanchu021 wrote:
Sun Jan 13, 2019 7:21 pm
How to avoid temptation to buy hot stocks or bitcoin?
A wise woman once said, "Just say no."
by samsoes
Sun Jan 13, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: 15 full days in Costa Rica
Replies: 25
Views: 1848

Re: 15 full days in Costa Rica

If you are into it, there are fantastic white water rafting opportunities in Costa Rica. Just be aware that the licensing/certification/safety requirements of the rafting outfitters in CR may not be as stringent as they are in the US. Nor medical helicopter evacuation availability in the event it's ...
by samsoes
Sun Jan 13, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Withholding
Replies: 1
Views: 291

Re: 2019 Withholding

I don't know the answer to your questions, but I'll offer this as a double-check tool: There are a number of online paycheck calculators available, but this one I've found to be the most accurate regarding calendar year withholding changes. Just make sure you enter a 2019 paycheck date, and properly...
by samsoes
Sat Jan 12, 2019 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Withdrawal Plans
Replies: 6
Views: 714

Re: RMD Withdrawal Plans

401(k) accounts are heavily governed by the plan rules setup between the 401(k) plan's sponsoring employer and its custodian. Have you considered rolling the Schwab 401(k) into a Schwab IRA where you aren't bound by the employer agreement? I am surprised that so many people do not rollover their 40...
by samsoes
Sat Jan 12, 2019 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Withdrawal Plans
Replies: 6
Views: 714

Re: RMD Withdrawal Plans

401(k) accounts are heavily governed by the plan rules setup between the 401(k) plan's sponsoring employer and its custodian. Have you considered rolling the Schwab 401(k) into a Schwab IRA where you aren't bound by the employer agreement? I am surprised that so many people do not rollover their 40...
by samsoes
Sat Jan 12, 2019 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5043

Re: Diagnosing Knee Problems over the Phone - Medicare

In some food establishments, I oftentimes get a "senior discount," never having asked for one. And I'm 55, not 65. Does your practice offer senior discounts? If a practice accepts Medicare, it gives seniors a discount. Does the restaurant have a cadre of people trying to collect money from patrons ...
by samsoes
Sat Jan 12, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5043

Re: Diagnosing Knee Problems over the Phone - Medicare

In some food establishments, I oftentimes get a "senior discount," never having asked for one. And I'm 55, not 65. Does your practice offer senior discounts? If a practice accepts Medicare, it gives seniors a discount. Does the restaurant have a cadre of people trying to collect money from patrons ...
by samsoes
Sat Jan 12, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5043

Re: Diagnosing Knee Problems over the Phone - Medicare

Without delving into politics, this laymen would be happy to see every doctor who wants to be licensed to practice in this country to be required to accept a certain percentage of Medicare patients, taking the burden off of others in their profession who carry the load, while perhaps shortening the...
by samsoes
Sat Jan 12, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to amend my 2017 tax return?
Replies: 3
Views: 293

Re: Do I need to amend my 2017 tax return?

Most definitely amend. Although the additional tax due should be $0, the IRS reconciles 1099 activity reported to them by financial institutions on your behalf against what you've reported. An an under-reporting of income on your part will be flagged. You may get a bill (including penalty amounts). ...
by samsoes
Fri Jan 11, 2019 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Withdrawal Plans
Replies: 6
Views: 714

Re: RMD Withdrawal Plans

401(k) accounts are heavily governed by the plan rules setup between the 401(k) plan's sponsoring employer and its custodian.

Have you considered rolling the Schwab 401(k) into a Schwab IRA where you aren't bound by the employer agreement?
by samsoes
Fri Jan 11, 2019 7:24 am
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 160
Views: 13544

Re: Around 43K in dividends last year - feel good about it ?

You should feel terrible about the $14K in taxable dividends. Terrible? Seriously? Sometimes I think some people on this forum live in an alternate universe. You should feel proud. That is an excellent accomplishment. Your total dividends is more than my annual salary. Keep up the good work. Agree ...
by samsoes
Thu Jan 10, 2019 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Phaseout?
Replies: 7
Views: 754

Re: Roth IRA Phaseout?

Would this have a wrench thrown in if the OP has.....say a million dollars in a tIRA? To answer your question, yes there would be quite a large wrench in such a hypothetical case. Taxes on the subsequent Roth Conversion would be prorated based on the mix of funds in the TIRA. 1M in pretax TIRA fund...
by samsoes
Tue Jan 08, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 43
Views: 2659

Re: How to save on prescription drug costs?

bryansmile wrote:
Sun Jan 06, 2019 1:46 pm
People, can you share the names of the Canadian pharmacies you use?
Folks on this site have recommended https://www.onlinecanadianpharmacy.com/how-to-order/

I haven't used them yet but I saved the link.

(Edit: typo)
by samsoes
Wed Jan 02, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: SALT Deduction Limit Workarounds
Replies: 9
Views: 2447

Re: SALT Deduction Limit Workarounds

A week or so ago, I made an estimated payment of $463 on my state taxes which will bring my total SALT to $10k exactly. (I'll owe about $100 more to CT when I file, and this action gives me that much more room in the event my 2019 SALT increases beyond $10k.) Apologies for not posting this before 12...
by samsoes
Wed Jan 02, 2019 7:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789773

Re: U.S. stocks in free fall

Oh Heavens to Betsy, will someone please put this thread out of its misery?!?!?!

Lock it and throw away the key!!
by samsoes
Wed Jan 02, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: Using less plastic
Replies: 69
Views: 1857

Re: Using less plastic

I’ve also resolved to start using cloth grocery bags. Another easy one is to eschew bottled water and carry a reusable container instead. The amount of plastic in our oceans is a catastrophe. Folks should put their plastic water bottles in the recycle bin rather than throwing them into bodies of wa...
by samsoes
Wed Jan 02, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: Using less plastic
Replies: 69
Views: 1857

Re: Using less plastic

Plastic is natural, 100% from earth.

After all, it doesn't come from Mars.
by samsoes
Tue Jan 01, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Save expired passports?
Replies: 26
Views: 2171

Re: Save expired passports?

This won't apply to most, but it's worth noting that even if a passport is expired, visas inside are still valid if they haven't hit the expiration date. You have to take care to ask the passport center not to punch a hole through that page, and travel with both your current and expired passports. ...
by samsoes
Mon Dec 31, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes incorrectly withheld - avoiding penalties
Replies: 9
Views: 652

Re: Taxes incorrectly withheld - avoiding penalties

Badger1754 wrote:
Mon Dec 31, 2018 3:42 pm
Update on this. Did the (very) painful AI process and sure enough.. neutralized nearly all of my underpayment penalty. It's like <$10 left.

Thank so much to this forum!
Good to hear! Just remember to pay the estimated tax underpayment by Jan 15.

Happy New Year!
by samsoes
Mon Dec 31, 2018 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Taxes incorrectly withheld - avoiding penalties
Replies: 9
Views: 652

Re: Taxes incorrectly withheld - avoiding penalties

...of course, if what was withheld throughout the year was at least 100% of your entire last-year 2017 tax (or 110% if you're a high earner), then there's no penalty. You pay the tax when you file by Apr 15.
by samsoes
Mon Dec 31, 2018 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Taxes incorrectly withheld - avoiding penalties
Replies: 9
Views: 652

Re: Taxes incorrectly withheld - avoiding penalties

Timing matters. According to Safe Harbor rules, when making estimated payments, your required total payment is due in roughly quarterly installments (4/15, 6/15, 9/15, 1/15). If the bonus was received after Sep 15, you can use the very complicated "AI" method of calculating the penalty which takes i...
by samsoes
Sun Dec 30, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: any reason not to sell my REIT (VNQ)
Replies: 13
Views: 1044

Re: any reason not to sell my REIT (VNQ)

Get rid of those REITs tomorrow (12/31), and good riddance to them!
by samsoes
Fri Dec 28, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: brick-and-mortar vs online bank
Replies: 50
Views: 2632

Re: brick-and-mortar vs online bank

A B&M bank is necessary to deposit wrapped coinage. I plan on depositing ~$40 in pennies, nickels, and quarters tomorrow. (Don't have enough dimes to fill a wrapper.)
by samsoes
Fri Dec 28, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 5606

Re: Shoes to wear with jeans to the office?

Sketchers (old-guy sneakers).
by samsoes
Fri Dec 28, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Schwab partial share liquidation fees
Replies: 13
Views: 582

Re: Schwab partial share liquidation fees

How the heck did you manage to acquire fractional ETF shares? I thought only Mutual Funds traded fractional shares and ETFs only traded whole shares (therefore leaving small lumps of cash)... :confused You will get partial shares if you use the dividend reinvestment program. Interesting. Can fracti...
by samsoes
Fri Dec 28, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Schwab partial share liquidation fees
Replies: 13
Views: 582

Re: Schwab partial share liquidation fees

How the heck did you manage to acquire fractional ETF shares? I thought only Mutual Funds traded fractional shares and ETFs only traded whole shares (therefore leaving small lumps of cash)... :confused
by samsoes
Thu Dec 27, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: How to sell VTSAX for tax gain harvest and rebuy immediately?
Replies: 16
Views: 1053

Re: How to sell VTSAX for tax gain harvest and rebuy immediately?

MNGopher wrote:
Thu Dec 27, 2018 11:03 am
I get nervous when I see people trying to find ways to day-trade their index funds.
Take a deep breath. You'll be fine. :D
by samsoes
Tue Dec 25, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Can I front-load 401k contributions?
Replies: 22
Views: 2535

Re: Can I front-load 401k contributions?

Yes, you can front-load. Unfortunatly I did that this past year at much higher market levels.

Who wouldda thunk.
by samsoes
Fri Dec 21, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Driving from MA to FL - recommendations?
Replies: 30
Views: 2038

Re: Driving from MA to FL - recommendations?

Wow - 18 posts and nobody answered your question. I shall try. If you take 81 I can recommend some places in Virginia. (not in any geographic order) Natural Bridge, Luray Caverns, Frontier Culture Museum in Staunton, Lots of places to eat in downtown Staunton. Lot of Civil War History in New Market...
by samsoes
Thu Dec 20, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off house or lump into the market?
Replies: 10
Views: 869

Re: Pay off house or lump into the market?

Think of it this way: if your house was already paid-off, would you get a new mortgage for the same dollar amount and invest it lump-sum into this volitale market? :?:

Methinks the answer is no. Pay-off the house, and enjoy the feeling.
by samsoes
Tue Dec 18, 2018 7:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789773

Re: U.S. stocks in free fall

This thread needs to be euthanized.
by samsoes
Thu Dec 13, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: 2019 Roth IRA Contributions
Replies: 15
Views: 993

Re: 2019 Roth IRA Contributions

Am not. Waiting until $7k earned income is realized, and only then once I'm convinced I won't need to contribute instead to a deductible TIRA for ACA MAGI manipulation purposes if I suspect to find myself unexpectedly unemployed.
by samsoes
Thu Dec 13, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: How to tell if online watches are legit?
Replies: 15
Views: 1040

Re: How to tell if online watches are legit?

Would not trust unless it was sold by Amazon, not a Marketplace seller (like this one is). If a deal is too good to be true, it probably is. https://luminox-usa.com/products/atacama-field-day-date-1929 The watch is $640 on the Luminox website.... I bought an expensive watch on Amazon. It came in a ...
by samsoes
Thu Dec 13, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Should this doctor pay damages for malpractice?
Replies: 23
Views: 2697

Re: Should this doctor pay damages for malpractice?

If a malpractice attorney won't take the case, then consider Yelp and Google reviews. Lots of them. Let the world know about the hacking she received at the hands of this butcher.
by samsoes
Wed Dec 05, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: County not accepting 2018 property taxes in 2018 - need help with ideas.
Replies: 138
Views: 6999

Re: County not accepting 2018 property taxes in 2018 - need help with ideas.

No this has been confusing when I discussed it soon after [Tax Cuts and Jobs Act --admin LadyGeek] . My county (and some others here), charge property taxes a year later. So typically we pay 2018 taxes in 2019. So, no it’s not 2019 taxes. Our 2018 taxes has not been assessed yet...out 2018 taxes wi...
by samsoes
Thu Nov 29, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $6,000 in gold and silver?
Replies: 40
Views: 3444

Re: What would you do with $6,000 in gold and silver?

Wow, good to know I'm not the only one who did that for roughly the same amount.

(Graded, classic gold coins and modern gold American Eagles in my case.)
by samsoes
Thu Nov 29, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: citi virtual account number and refunds
Replies: 8
Views: 845

Re: citi virtual account number and refunds

I've used Citi Virtual Account Numbers (VAN) for at least a decade, and have often had refunds posted without a problem. In fact, when I called and asked about this the first time it was necessary, I was told that refunds are posted to VAN's regardless if you've closed the particular VAN or not, and...
by samsoes
Wed Nov 28, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Pay extra into mortgage or invest, considering Trump's tax plan ?
Replies: 29
Views: 2299

Re: Pay extra into mortgage or invest, considering Trump's tax plan ?

Are we discussing proposed legislation floating around Congress ("plan"), or the codified Tax Cuts and Jobs Act (TCJA) enacted into law (no longer a "plan") late last year?

(The former is an off-limits topic, according to fourm rules, by the way.)
by samsoes
Wed Nov 28, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: My mutual funds are declining, please help!
Replies: 54
Views: 5261

Re: My mutual funds are declining, please help!

Stay the course OR reevaluate your risk tolerance and reallocate accordingly and then stay the course.

Don't sell in a panic or as a reaction. Ever.
by samsoes
Tue Nov 27, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Does it ever make sense to invest in ROTH IRA before maxing our 401K?
Replies: 59
Views: 4518

Re: Does it ever make sense to invest in ROTH IRA before maxing our 401K?

Sure, always.

I won't max-out my 401(k) until my 12/31 paycheck. I fully funded my Roth back in the spring.
by samsoes
Tue Nov 27, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Google Voice, do unused numbers get deleted?
Replies: 21
Views: 2109

Re: Google Voice, do unused numbers get deleted?

Craigslist. I moved home number to GV also. And setup a business number. I'm curious what process you used to migrate home number to GV. I understand you can only port in from a mobile number. Is there a preferred prepaid mobile service to port your landline to as a (hopefully inexpensive) intermed...
by samsoes
Tue Nov 27, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Dental Mishap
Replies: 51
Views: 5978

Re: Dental Mishap

Glad to hear the issue has been dealt with to your satisfaction. I'm sure this has been stressful. Samsoes let us know when you arrive back to earth. It's good that IT folks don't make mistakes, don't you agree? :wink: IT folks don't irreversibly remove body parts and aren't in danger of removing t...