Search found 758 matches

by fundseeker
Thu Aug 22, 2019 5:17 am
Forum: Personal Consumer Issues
Topic: Buying used car (another one of those threads!)
Replies: 21
Views: 1272

Re: Buying used car (another one of those threads!)

A rental car with 70,000 miles? Can you imagine what that car has been put through? I'm thinking bad idea on that one. I'd be looking for a one owner Accord (maybe 2009 or 2010), Camry, Civic or Corolla. You could go to autotrader.com and filter the search (left side of their web site) for sedans in...
by fundseeker
Sun Aug 18, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Buying an older used car - any new/different ideas?
Replies: 64
Views: 3264

Re: Buying an older used car - any new/different ideas?

Carmax is a rip-off! Only the truly uninformed would buy there. The best example I recently saw was that they have a 2015 Honda Pilot Touring (the old box style) for $30,000! Anyone can go right now and buy a brand new 2019 Pilot EX-L for $33,300, maybe even less. Absolutely ridiculous that a salesm...
by fundseeker
Tue Aug 13, 2019 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Buying a car, does it make sense to use 401k loan instead of an auto loan?
Replies: 37
Views: 2557

Re: Buying a car, does it make sense to use 401k loan instead of an auto loan?

This is a tough bunch, isn't it? You've been doing great and are well disciplined, but I have to agree that resorting to a 401k loan is a bad idea. Maybe it's time to cut back on current savings and get a van for the family. I highly recommend a Honda Odyssey. We have had our 2011 EX for almost nine...
by fundseeker
Tue Aug 13, 2019 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Doing your own taxes with a taxable account.
Replies: 9
Views: 1153

Re: Doing your own taxes with a taxable account.

If I understand your question(s), your broker should provide you with everything you'll need to know about the tax implications from your transactions.
by fundseeker
Tue Aug 06, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can I run TurboTax 2018 without updating?!
Replies: 17
Views: 1105

Re: Can I run TurboTax 2018 without updating?!

I just tried it and it allowed me to click "Do this later" instead of choosing the update now option. I tried it on the return I previously changed for 2019 testing, so I don't know what the difference for you is. I use the TTax on CD that I buy locally. If you have the TTax that you can load onto a...
by fundseeker
Tue Aug 06, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can I run TurboTax 2018 without updating?!
Replies: 17
Views: 1105

Re: Can I run TurboTax 2018 without updating?!

I simply told it no to the update and it went on and let me open last years return. Then when 2018’s return is showing, just “save as” and give it another name, maybe “Testing for 2019.” Then you can play all you want.
by fundseeker
Mon Aug 05, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: Honda/Acura maintenance minders
Replies: 56
Views: 4008

Re: Honda/Acura maintenance minders

Based on our honda mechanics advise, I just do a drain and fill, leave the oil filter in place. when it hits 60% and do an oil and filter change with whatever other services it calls for when it hits 15% Our odyssey is mostly highway miles so in 25k miles the maintenance minder has only come on twi...
by fundseeker
Sat Aug 03, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 8855

Re: Federal Employee Burn or Sick Leave [before retirement]

From what I gather from this post is that it's best to use sick leave when you can for legitimate purposes and not to use it for non legitimate purposes since it serves as a disability insurance. Is that correct? "it's best to use sick leave when you can for legitimate purposes" MAINLY because that...
by fundseeker
Fri Aug 02, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: Used Car Recommendations for Active Retired Couple
Replies: 31
Views: 2030

Re: Used Car Recommendations for Active Retired Couple

I highly recommend the CR-V or similar small SUV. You'll enjoy the better visibility, ease of getting in and out, and most importantly if it has it, the rear view camera that comes on when you put it in reverse. It's an awesome feature, especially when parking. Good luck!
by fundseeker
Fri Jul 12, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 2885

Re: Should I Buy a Motorcycle?

Can you not scratch that motorcycle itch for maybe half that much, especially since you plan to borrow the money? As for counting on overtime to cover debt whether it's a motorcycle or house, that just seems risky for you and the lender, and probably the reason lenders want two years of it. Debt is ...
by fundseeker
Fri Jul 12, 2019 6:56 am
Forum: Personal Investments
Topic: Federal employee financial planning question
Replies: 33
Views: 3424

Re: Federal employee financial planning question

Great that you're planning and saving. Don't forget to stay in your FEHB plan for the five years preceding retirement if you want to have the same plan in retirement. Good luck.
by fundseeker
Fri Jun 28, 2019 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard intentionally delaying fund transfer to Fidelity DAF?
Replies: 18
Views: 1545

Re: Vanguard intentionally delaying fund transfer to Fidelity DAF?

I'll try to be patient. I had also received bad info from the Fido reps. I was first told I could email their form to them, then the next Fido rep said no, I must fax or mail their form to them. And I was told that Fido would have to mail the completed form to VG (which must have been wrong because ...
by fundseeker
Fri Jun 28, 2019 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard intentionally delaying fund transfer to Fidelity DAF?
Replies: 18
Views: 1545

Vanguard intentionally delaying fund transfer to Fidelity DAF?

Losing a little confidence here in Vanguard (VG)! On Monday, I submitted Fidelity (not VG) paperwork, as required by Fidelity, to have appreciated MF shares moved to my donor advised fund (DAF), and VG still has not done the transfer! I called yesterday and was just told that it is in the queue, whi...
by fundseeker
Thu Jun 20, 2019 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund for charitable giving
Replies: 13
Views: 674

Re: Donor Advised Fund for charitable giving

As stan1 said, definitely look for appreciated shares in your taxable account to give. Our donation this time is shares of a fund that doubled in value. That tax savings is a great as my tax savings for the donation. But note that the tax savings is only the amount about the $24,000 std deduction.
by fundseeker
Thu Jun 20, 2019 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund for charitable giving
Replies: 13
Views: 674

Re: Donor Advised Fund for charitable giving

Once your money or appreciated shares land in your DAF, you direct whether it is held in cash or stocks/funds until you're ready to make the grant to your charity. We have always sent cash to the charities from the DAF, but our donation was sitting in cash at the DAF. I have not checked to see if do...
by fundseeker
Sun Jun 16, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tax win-win - Appreciated shares contributed to a Donor Advised Fund (DAF)
Replies: 6
Views: 517

Re: Tax win-win - Appreciated shares contributed to a Donor Advised Fund (DAF)

You can donate the appreciated shares in two lots 2019 and 2020 and still avoid the capital gains tax while claiming the standard deduction so the tax benefit is not as strong as your analysis shows. If you really want to make this work from a tax perspective you should ramp up the DAF to cover 3,4...
by fundseeker
Sun Jun 16, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Tax win-win - Appreciated shares contributed to a Donor Advised Fund (DAF)
Replies: 6
Views: 517

Re: Tax win-win - Appreciated shares contributed to a Donor Advised Fund (DAF)

I'm not clear on how you calculated the tax savings. What tax bracket and what else would you be itemizing? The tax savings itself is on the amount itemized above the standard deduction. $3000 in saved taxes on the $30k DAF contribution with nothing else itemized is ~53% marginal tax rate (3k / (30...
by fundseeker
Sun Jun 16, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Tax win-win - Appreciated shares contributed to a Donor Advised Fund (DAF)
Replies: 6
Views: 517

Tax win-win - Appreciated shares contributed to a Donor Advised Fund (DAF)

Just want to make sure I have this right, and to share this tax savings plan with those, maybe newer Bogleheads, who still just give cash to their favorite charities each year instead of giving two years worth every other year. Example contributing just cash : 2019 - $15,000 total charity contributi...
by fundseeker
Sat Jun 15, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Federal retiree - start new tIRA?
Replies: 8
Views: 516

Re: Federal retiree - start new tIRA?

Sorry, I just saw your clarification, but the minor error led me to learn more about the issue, so it's all good! Thanks.
by fundseeker
Sat Jun 15, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Federal retiree - start new tIRA?
Replies: 8
Views: 516

Re: Federal retiree - start new tIRA?

With that income you are each able to contribute to Roth IRA but you cannot deduct any contribution to tIRA so that is of no value to you. If there is a plan at work, you might lower your income that way. With a 7 figure TSP account and pension, I seriously doubt you want to defer any more taxes. I...
by fundseeker
Sat Jun 15, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Federal retiree - start new tIRA?
Replies: 8
Views: 516

Re: Federal retiree - start new tIRA?

Thank you, retiredjg, especially about possibly contributing to my spouse's rollover. I will check into that! My new income is from a new job and is in addition to the pension, which combined puts us up near $180k total income for 2019. My TSP is seven figures plus, so we will have large tax issues ...
by fundseeker
Sat Jun 15, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Federal retiree - start new tIRA?
Replies: 8
Views: 516

Federal retiree - start new tIRA?

Fortunately, I just checked to see what my 2019 tax return will look like, and I am going to owe a lot in taxes, in large part because I have not had any of my new income deferred since I left the government and the awesome TSP. I'd rather defer the income (now at age 60) than just pay taxes now. Do...
by fundseeker
Fri Jun 14, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3508

Re: Buy Mini-Van Tomorrow or No?

Honda has a poor reputation with the Odyssey: many in 2000s went through multiple transmissions before 100k, and the v6 had problems with cylinder deactivation and oil consumption. Their brand reputation, at least in this segment, is basically trashed. We had a 2004 Odyssey and traded after seven y...
by fundseeker
Fri Jun 14, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3508

Re: Buy Mini-Van Tomorrow or No?

I vote, no. Save more and buy a brand with a better reputation: Honda Toyota Honda has a poor reputation with the Odyssey: many in 2000s went through multiple transmissions before 100k, and the v6 had problems with cylinder deactivation and oil consumption. Their brand reputation, at least in this ...
by fundseeker
Fri Jun 14, 2019 6:17 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3508

Re: Buy Mini-Van Tomorrow or No?

I vote, no. Save more and buy a brand with a better reputation: Honda Toyota Honda has a poor reputation with the Odyssey: many in 2000s went through multiple transmissions before 100k, and the v6 had problems with cylinder deactivation and oil consumption. Their brand reputation, at least in this ...
by fundseeker
Fri Jun 07, 2019 6:12 am
Forum: Personal Consumer Issues
Topic: Everyone ought to be required to have an umbrella policy and life insurance!
Replies: 13
Views: 1497

Everyone ought to be required to have an umbrella policy and life insurance!

Recently I read about a 16 year old driver purportedly dozing off one afternoon while driving his SUV, and he rear ended a stopped SUV killing the parents of two children. Very sad, but this real example just points out the need to have plenty of life insurance since you just never know when your ti...
by fundseeker
Fri Jun 07, 2019 5:54 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 54
Views: 2756

Re: New Camry Questions

One thing I never liked the rare times that I've considered Toyotas is that figuring out what to add to which level is too complicated. Honda keeps it simple with their levels (LX, EX, EX-L, Touring), and you don't have to study much more than that before buying. Plus I believe all of Honda's safety...
by fundseeker
Mon May 27, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: Electric, corded, trimmer edger recommendations
Replies: 11
Views: 872

Re: Electric, corded, trimmer edger recommendations

I have used similar B&D models for maybe two decades and they held up well. And, the two year B&D warranty is great, so really no need to consider the one HD sells. Also, I just buy the .065 cord and wind mine myself instead of paying a lot for a pre-wound spool. It is pretty simple, and mine even h...
by fundseeker
Wed May 22, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Question
Replies: 17
Views: 2407

Re: Retirement Question

You seem to young to take the money and run. Each year you keep working you add another one percent to your annuity plus get to add $25k plus to your TSP, while earning probably $150k/yr and could pay off all debt very soon. Retirement may not be all that you think it will be. Plus, you probably get...
by fundseeker
Sun May 12, 2019 8:48 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1125
Views: 164543

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I didn't read all 20 pages of this thread, but Honda went to the trouble to replace the piston rings on mine and many other 2011 Odysseys because a plug or two kept fouling. This was related to their design for three or four cylinders to stop firing at cruise speed. I had problems on trips where it ...
by fundseeker
Mon May 06, 2019 6:59 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 4437

Re: ants - aargh

This Terro ant killer worked perfectly for us, but you have to be patient. At first it attracts more ants and you think that's a problems, but within six hours or so, they leave and die elsewhere never to return. This will fix the problem. Also, watch this youtube to know what to expect. https://www...
by fundseeker
Sun May 05, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 87
Views: 12597

Re: Rolex

Rolex? Really? If you really want to be noticed, isn't it time to part with more of your hard earned or inherited money and get you a $200,000 Bell & Ross? You might even be able to get one for under $200,000 if you try. But then again, they're far less commonly worn so only the informed rich may kn...
by fundseeker
Fri May 03, 2019 7:52 am
Forum: Personal Investments
Topic: Initial retirement investing in a record high stock market
Replies: 105
Views: 9008

Re: Initial retirement investing in a record high stock market

That’s why I’m asking these things to the bogleheads. Investing ain’t easy and trying to learn. Yes. I didn’t want to start my investing career with a big loss out of the gate. But have to get money working for long term too. Many Thanks for the discussions. They help. This may be all over the plac...
by fundseeker
Fri May 03, 2019 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Dumb idea? [buy a condo to rent]
Replies: 37
Views: 3544

Re: Dumb idea? [buy a condo to rent]

My two cents is that it'd be a better idea if it was three years from now and your annual savings of $150,000/year amounted to $450,000 and you paid cash. I've always read that borrowing for rental property is a bad idea. Has your family in the area given you all of the cons of doing this? There may...
by fundseeker
Wed May 01, 2019 6:26 am
Forum: Personal Investments
Topic: Whole life insurance
Replies: 8
Views: 922

Re: Whole life insurance

You really need to drop that and get term, and I'm betting you're under insured. I was about 40 in 1998 with two little kids and bought $500,000 annual renewable level term for 30 years at $600 or $700/year, versus your $840/year. I also then bought another $500,000 annual renewable level term polic...
by fundseeker
Mon Apr 29, 2019 5:51 am
Forum: Personal Consumer Issues
Topic: Purchasing 2019 Honda Pilot Advice Wanted
Replies: 17
Views: 1653

Re: Purchasing 2019 Honda Pilot Advice Wanted

truecar.com probably has the best answer for you. And I guess you're aware that for them to offer such low financing, they are probably making up for it with keeping the car price higher than if you paid cash or borrowed elsewhere. Also, is that the out the door price? You need that number to compar...
by fundseeker
Sun Apr 28, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 5678

Re: Boglehead Pilots...advice

To the OP, I developed my interest in getting my PPL from my father flying a Cherokee 140 (low wing plane) with the Civil Air Patrol (CAP) many decades ago. If it had not been for that, I might have never considered getting mine. Once I got my license, I got checked out in a Cessna 152 in his hometo...
by fundseeker
Sat Apr 27, 2019 3:04 pm
Forum: Personal Investments
Topic: Money Missing from my Vanguard account?
Replies: 46
Views: 8392

Re: Money Missing from my Vanguard account?

I noticed my account balances not matching this week after contributing money to a Roth and from sending new money to my joint account. I spent a lot of time trying to figure out the problem, and I am hoping that by Monday the dust settles and everything matches. These were my first transactions sin...
by fundseeker
Thu Apr 25, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: Dryer solution- thanks Bogleheads!
Replies: 14
Views: 1484

Re: Dryer solution- thanks Bogleheads!

OP, Congratulations! I like to repair things too, partly because it saves money, but also because it's easier than having to shop for replacements and have the new appliance or whatever delivered. I am guessing that you replaced a thermal fuse and maybe the heating element. Just wondering if you use...
by fundseeker
Sat Apr 20, 2019 7:14 am
Forum: Personal Finance (Not Investing)
Topic: DW worried about What if ...? Wishes to pay off mortgage
Replies: 33
Views: 3219

Re: DW worried about What if ...? Wishes to pay off mortgage

Glad to hear you have life insurance, but I'll bet it's expensive. Even if it is free or low cost, term from a company other than your employer is best since you can lock in 20 or 30 years at today's low price and it'll never change, and will not be affected by changing jobs. You can get quotes onli...
by fundseeker
Tue Apr 16, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this house?
Replies: 22
Views: 1972

Re: Can we afford this house?

Seems reasonable, but can YOU afford it if she decides to become a stay at home mom? Like Dave Ramsey says, You don't want your house to become a curse.
by fundseeker
Fri Apr 12, 2019 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Can/Should we build a new house?
Replies: 13
Views: 1345

Re: Can/Should we build a new house?

BE CAREFUL IF YOU EVER HIRE SOMEONE TO BUILD YOU A HOUSE! To the OP and anyone else considering having someone build that custom home, it can become a nightmare if your builder takes your money, especially any deposit you give him, and uses it for other purposes such as paying subs and suppliers on ...
by fundseeker
Wed Mar 13, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Use caution to not incorrectly pay taxes on 529 distribution in TTax
Replies: 13
Views: 1260

Re: Use caution to not incorrectly pay taxes on 529 distribution in TTax

markcoop, Glad you found the way to change to amount you want TTax to use for the AOC, etc. Sorry for the delay, but this work thing..... For me, we did not qualify for the AOC because we already got four years (the max) and our AGI eliminated any LLC. So, I had to go to the place you found and chan...
by fundseeker
Sun Mar 10, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Use caution to not incorrectly pay taxes on 529 distribution in TTax
Replies: 13
Views: 1260

Re: Use caution to not incorrectly pay taxes on 529 distribution in TTax

The 1063 will be taxable unless you have spent more than that on qualified expenses. The details are in the student information worksheet (SIW), and in the 529 section of that document, it will show how much in expenses it is using in the calculation, and it gets that number from the middle section ...
by fundseeker
Sun Mar 10, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Use caution to not incorrectly pay taxes on 529 distribution in TTax
Replies: 13
Views: 1260

Use caution to not incorrectly pay taxes on 529 distribution in TTax

I want to share this so you do not pay taxes on 529 distributions due to a TurboTax error. TTax allows you to enter any number you want in calculating the American Opportunity Credit (AOC) and the Lifetime Learning Credit (LLC) and for deductions, but then, if you do not qualify for any of those, TT...
by fundseeker
Fri Feb 22, 2019 7:05 am
Forum: Personal Investments
Topic: Should I keep money in TSP long term?
Replies: 66
Views: 3034

Re: Should I keep money in TSP long term?

To the Topic Author: Since it's been explained now why you should stay with the TSP, would you share why you are choosing to stay with a Financial Advisor when he/she is not looking out for your best interest and just wants to line his/her pockets, and you have this great resource to assist you, for...
by fundseeker
Sun Feb 03, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 59
Views: 5155

Re: Have you searched for your unclaimed property?

Congratulations to those who found some money! Hopefully you found an extra minute to search names of others and use your powers for good :)
by fundseeker
Wed Jan 23, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 59
Views: 5155

Re: Have you searched for your unclaimed property?

For some reason, some states just list that the unclaimed property is either more than $100 or less than $100. Maybe someone did a study and decided that was the cut off amount for people willing to bother with the claim. Anyway, hope you all don't leave money on the table!
by fundseeker
Mon Jan 21, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 59
Views: 5155

Re: Have you searched for your unclaimed property?

So, I'm glad it worked for some. Any more success stories?
by fundseeker
Mon Jan 21, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 59
Views: 5155

Re: Have you searched for your unclaimed property?

And as I mentioned, if you search names of relatives (even deceased ones) and friends, you might find something for them. I found an AARP policy for one, but we haven't let them know yet. Good luck in your searches!