Search found 261 matches

by chickadee
Thu Jan 21, 2021 1:52 am
Forum: Personal Consumer Issues
Topic: Any car experts? [Suspension control arm bushing cracked]
Replies: 34
Views: 1469

Re: Any car experts? [Suspension control arm bushing cracked]

Just had both front upper control arms replaced on my car last week. $900. I wouldn’t just do the bushings. I don’t work on cars, so the diy route was a nonstarter.
by chickadee
Sat Jan 16, 2021 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to view Austin-suburb housing market?
Replies: 96
Views: 7825

Re: How to view Austin-suburb housing market?

If the price you agree on is $450k, but the appraisal on the house and how much the bank is willing to loan is only $375k, then you have to cough up the difference in cash at closing. You cannot get a mortgage on the difference. I had a realtor friend say there are typically 8000 houses on the marke...
by chickadee
Wed Dec 23, 2020 1:44 pm
Forum: Investing - Theory, News & General
Topic: Weird idea on taxable holdings. CG tax reduction
Replies: 18
Views: 1131

Re: Weird idea on taxable holdings. CG tax reduction

This comprehensive article on 0% tax gain harvesting vs. Roth conversions by Michael Kitces goes over many case studies on how and how not to do it. I even printed it out on actual paper for the future. I realize the question is about harvesting at 15%, if I remember, he addresses that as well. “The...
by chickadee
Fri Dec 18, 2020 1:07 pm
Forum: Personal Investments
Topic: Where are you storing your emergency fund money?
Replies: 79
Views: 6138

Re: Where are you storing your emergency fund money?

I keep a lot of money in VWIUX (Vanguard Tax Free Muni bond) in my taxable brokerage account. This is my emergency fund and several years spending money if the market tanks. Right now it is paying 2.5% interest. It is readily available and creates no tax event to sell. It is very safe. I also keep ...
by chickadee
Mon Nov 30, 2020 4:51 pm
Forum: Personal Investments
Topic: Portfolio Review - Need to Redeploy
Replies: 16
Views: 1287

Re: Portfolio Review - Need to Redeploy

Thanks for the feedback!

Why does having tax deferred IRA funds help with large medical expenses? I understand the QCD portion of your comment.
by chickadee
Mon Nov 30, 2020 3:18 pm
Forum: Personal Investments
Topic: Portfolio Review - Need to Redeploy
Replies: 16
Views: 1287

Re: Portfolio Review - Need to Redeploy

retiredjg, Agree, with your assessment. We will need to watch our income and make Roth vs Trad vs Roth Conversions choices each and every year at the end of the year. We always fund our Roths in January, so this will be different moving forward. Given the additional information I have added, do you ...
by chickadee
Mon Nov 30, 2020 11:58 am
Forum: Personal Investments
Topic: Portfolio Review - Need to Redeploy
Replies: 16
Views: 1287

Re: Portfolio Review - Need to Redeploy

Okay, that all makes sense, thanks for taking the time to write that up cas and retiredjg. I took the time to look at income tax returns over the last 8 years and took an average of our taxable income (not AGI, had that on the brain from years of managing it for ACA). The average is about $40k. So f...
by chickadee
Sun Nov 29, 2020 7:35 pm
Forum: Personal Investments
Topic: Portfolio Review - Need to Redeploy
Replies: 16
Views: 1287

Re: Portfolio Review - Need to Redeploy

For sure in 12% tax bracket for now. We typically have about $60k income a year. Up until this year, was managing for the ACA subsidy, but now one on Medicare, one on a grandfathered individual plan, so don't have anyone on an ACA plan right now. Retirement is projected for both in 4-5 years. So, if...
by chickadee
Sun Nov 29, 2020 4:21 pm
Forum: Personal Investments
Topic: Portfolio Review - Need to Redeploy
Replies: 16
Views: 1287

Re: Portfolio Review - Need to Redeploy

Thanks for the feedback.
by chickadee
Sun Nov 29, 2020 12:54 pm
Forum: Personal Investments
Topic: Portfolio Review - Need to Redeploy
Replies: 16
Views: 1287

Portfolio Review - Need to Redeploy

Looking for advice on asset placement. Recently had a windfall, so our taxable account has grown. In order to keep our asset allocation balanced, I'll need to invest the funds in both equities and bonds. Typically, we have kept our taxable and Roth accounts all equities, and our SIMPLE IRAs hold our...
by chickadee
Sun Nov 08, 2020 2:32 pm
Forum: Personal Consumer Issues
Topic: Ergonomic office chair for college student
Replies: 10
Views: 833

Re: Ergonomic office chair for college student

Why armless? That's not really at all good for ergonomics. We need to be able to rest our arms periodically, and not be inclined to lean forward to rest on a desk (poor posture). I've bough several ergonomic chairs from Human Solution. Here's one that looks nice and has removable arms (or you can pu...
by chickadee
Fri Oct 09, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 138
Views: 18540

Re: Tequila and Magaritas

I use Paula’s Texas Orange for the orange liqueur part of the margarita.

https://paulastexasspirits.com/

No mixes, no how.
by chickadee
Tue Sep 29, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Buying a Used Car
Replies: 26
Views: 2321

Re: Buying a Used Car

I have found the same thing. Carmax allows you to pull up actual window stickers with all of the option packages listed on the car when it was brand new. I’ve seen several Lexus cars with ABOVE sticker prices, with non insignificant mileage (20,000, etc). I think it’s funny that they give you the to...
by chickadee
Mon Sep 07, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: Online cheap eyeglass prescription lenses...
Replies: 24
Views: 2153

Re: Online cheap eyeglass prescription lenses...

I would forget the frames you have and choose a new pair on Zenni. I went down this route and getting Lensabl to put new lenses in my glasses would have been around $350. To get a whole new set of glasses from Zenni was $65. If you need high performance sports type glasses, you might also look at Ro...
by chickadee
Mon Aug 24, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: Good quality face mask recommendation, please
Replies: 104
Views: 10702

Re: Good quality face mask recommendation, please

I specifically bought the LA Linen masks (link below) because they have the 3 layers called for in the link posted directly above from Consumer Lab. I.e., poly lycra stretch as the outer layer, Polypropylene "Oly*fun" inner layer which has an electrostatic charge, and cotton blend on the l...
by chickadee
Sun Aug 23, 2020 10:59 am
Forum: Personal Investments
Topic: Roth conversions
Replies: 7
Views: 1058

Re: Roth conversions

Also, I-Orp, but you need to study up a bit to use it well.

https://www.i-orp.com/Inflate/extended.html

Just make sure to set the return rate of deferred and Roth accounts to the same number. If you set Roth to a higher rate, it will have you converting more to get that higher rate.
by chickadee
Sun Aug 09, 2020 10:06 am
Forum: Personal Consumer Issues
Topic: Looking for a $500 new office chair
Replies: 33
Views: 2549

Re: Looking for a $500 new office chair

The first two listed on this page are great and sub $400.I have the Pursuit and love it. Watch the little video, the chair moves back with you when you lean back. Love the head rest. The J3 competes with the Aeron. This is a great dealer for ergonomic chairs, Sit stand desks, etc. they sometimes hav...
by chickadee
Wed Jun 24, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: what is best decision financially regarding 2 used cars?
Replies: 23
Views: 1613

Re: what is best decision financially regarding 2 used cars?

I still love my 2010 Hyundai Sonata, so I get it. :happy But I'd still sell it in your situation! I think it's worth more than $1000, but haven't checked KBB. You can fix the broken side mirror for less than $50 bucks. It's easy, just search YouTube for a video to show you the installation. Takes 5 ...
by chickadee
Fri Jun 05, 2020 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: I'm afraid to start spending more but is it's ok to do so?
Replies: 31
Views: 5398

Re: I'm afraid to start spending more but is it's ok to do so?

The only annuity that most around here would recommend is a single premium immediate annuity or SPIA. You can check out rates at https://www.immediateannuities.com/a/spia-1nem.html?gclid=EAIaIQobChMInIL56M7r6QIVCtvACh1F2QECEAAYASAAEgJ2pPD_BwE If you are interested in leaving a legacy, Wellsley or ot...
by chickadee
Tue Jun 02, 2020 4:42 pm
Forum: Personal Investments
Topic: Does every one here only have 3 funds in their portfolios?
Replies: 131
Views: 8475

Re: Does every one here only have 3 funds in their portfolios?

Keeping it simple with the 3 fund portfolio should bring you a great sense of relief. Sure, there are other portfolios that could also work for you. There are all types here on Bogleheads. Many people here have chosen the 3 fund portfolio. Others add tilts or factor slices to their 3 fund. Others ar...
by chickadee
Thu May 28, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: Dymo (Astro) Label Maker 1/4 Tape
Replies: 3
Views: 380

Re: Dymo (Astro) Label Maker 1/4 Tape

I ALWAYS wanted one of those embossing label machines. Perhaps this would work? Maybe try a 6mm search: https://www.amazon.com/Replacement-Embossing-Compatible-Dymo-Organizer/dp/B07JN9NT2X OR Vintage tape: https://www.etsy.com/listing/785139372/vintage-com-tech-label-maker-embossing?gpla=1&gao=1...
by chickadee
Thu May 21, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: Please recommend a comfortable sofa bed
Replies: 19
Views: 1185

Re: Please recommend a comfortable sofa bed

An inflatable mattress is also an idea. You might be surprised how comfortable these are. I'd get two twins, rather than 1 bigger one. Or, realistically, a nearby hotel might be best and most comfortable for all. I got rid of my guest room 20 years ago, as both our sets of folks didn't come much and...
by chickadee
Thu May 21, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: Please recommend a comfortable sofa bed
Replies: 19
Views: 1185

Re: Please recommend a comfortable sofa bed

Two words: La Quinta.
by chickadee
Wed May 20, 2020 2:52 pm
Forum: Personal Consumer Issues
Topic: Is there a Cable Guy in the House?
Replies: 42
Views: 3812

Re: Is there a Cable Guy in the House?

I went through something similar with Spectrum and ended up purchasing my own cable modem and the $10 speed service upgrade as well. We mostly watch TV on our iPads so didn't go through the splitter Apple TV step, but sounds like it would work. We did keep the Spectrum modem for the cable phone part...
by chickadee
Tue May 19, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: Tea supplier comparison
Replies: 74
Views: 6083

Re: Tea supplier comparison

OP, I could have written this query. Except, I have graduated to loose teas. I recently purchased several new teas from Upton Teas, thanks to an earlier thread. https://www.uptontea.com/ Brewed up at 4 minutes, I also felt that they were quite weak. I had been enjoying some similar tea purchased fro...
by chickadee
Mon Apr 13, 2020 12:45 am
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 382
Views: 29207

Re: So what are you cooking

I woke up my sourdough starter, so I’ve made a loaf of sourdough bread, as well as sourdough cinnamon rolls. I’ve always wanted to make cinnamon rolls from scratch, and they turned out great. Recipe from King Arthur flour website. Using sourdough starter instead of commercial yeast is easy, it just ...
by chickadee
Fri Apr 10, 2020 11:12 am
Forum: Personal Consumer Issues
Topic: Software for cleaning up old lecture tapes?
Replies: 7
Views: 502

Re: Software for cleaning up old lecture tapes?

Izotope RX user here as well. Amazing software. But you’ll need to watch a few YouTube videos to understand the layout on screen and the filters. Probably Voice Denoise or Spectral Denoise to begin. And then some of the EQ centric tools to tweak.
by chickadee
Fri Apr 03, 2020 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 35934

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

As a mom and pop, 2-person S Corp, I'm confused. Our business has been greatly affected, and one of us (the higher earner in the S Corp) filed for unemployment today. Not something I thought we'd ever do, but we have paid into the UI system for years. Now I'm reading up on these loans. I am assuming...
by chickadee
Thu Mar 19, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: Thinking I should go car shopping amidst the panic
Replies: 106
Views: 11053

Re: Thinking I should go car shopping amidst the panic

CUlater finally getting rid of the oil-dilution, entertainment system glitchy CR-V ? YES, I think it's time, my friend. What car are you thinking about replacing it with?
by chickadee
Wed Feb 26, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 24465

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

I am supposed to fly to Portugal on Friday for 2 weeks. I wasn't even thinking about canceling until yesterday with the news of the hotel lockdown in Spain. I don't really know what to do now. I can change the flights to next year, and only have about $1000 in non-refundable stuff. There are no case...
by chickadee
Fri Feb 21, 2020 7:32 pm
Forum: Personal Consumer Issues
Topic: Used car purchase - now dreading it
Replies: 117
Views: 8512

Re: Used car purchase - now dreading it

I have heard good reports from my sister using Odoban on a similar used car problem. Nuttin but 5 star ratings on Amazon. It kills bacteria and deodorizes. https://www.amazon.com/OdoBan-Disinfectant-Eliminator-Concentrate-Eucalyptus/dp/B06X6LVKKX/ref=sr_1_2?gclid=EAIaIQobChMI-ebH9_Pj5wIVTtbACh35Yw5R...
by chickadee
Fri Feb 14, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: Car making noise at idle
Replies: 25
Views: 1535

Re: Car making noise at idle

Listened to the sounds of silence on the way home. Yay!
by chickadee
Fri Feb 14, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Car making noise at idle
Replies: 25
Views: 1535

Re: Car making noise at idle

And the winner is....... Drumroll .... Faulty tensioner for serpentine belt! Which is also causing wear on the belt. So, fixing both of those, should be ready by 5 pm. He did say that the motor mounts are a little worn, but that it’s not a today problem, so second place goes to team motor mounts. We...
by chickadee
Fri Feb 14, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: Car making noise at idle
Replies: 25
Views: 1535

Re: Car making noise at idle

I will keep the thread updated! Tranny fluid was changed 3 months ago. If it’s the tranny, need to hop over to the dealer as that should still be in warranty for the next month (10 year, 100,000 mile). I really hate the convenient local dealer. The inconvenient one I haven’t been to. Yeah, the sun v...
by chickadee
Fri Feb 14, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: Car making noise at idle
Replies: 25
Views: 1535

Re: Car making noise at idle

Well, just dropped it off at new independent shop near me. Had the “intake” guy come and have a listen. He is also team motor mount at first listen. But we will see once the tech has a root around. Stand by boglenauts!! It’s a 2010 Hyundai Sonata, which has been a fantastic car. This is really the f...
by chickadee
Fri Feb 14, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Car making noise at idle
Replies: 25
Views: 1535

Re: Car making noise at idle

Unsure on all the heat shields. Will check the hood prop.
by chickadee
Fri Feb 14, 2020 1:04 am
Forum: Personal Consumer Issues
Topic: Car making noise at idle
Replies: 25
Views: 1535

Re: Car making noise at idle

No work done prior to noise beginning. Googling did bring up the heat shield issue, which the tech said he checked.
by chickadee
Thu Feb 13, 2020 11:21 pm
Forum: Personal Consumer Issues
Topic: Car making noise at idle
Replies: 25
Views: 1535

Re: Car making noise at idle

I did not. I dealt with the front desk guy, who relayed what the tech said. That’s been a couple months ago and now I’m formulating what to do next. Perhaps it’s gotten worse, or maybe worse in colder weather? Or it’s just plain getting on my nerves and now I always hear it.
by chickadee
Thu Feb 13, 2020 11:07 pm
Forum: Personal Consumer Issues
Topic: Car making noise at idle
Replies: 25
Views: 1535

Car making noise at idle

So my car is making a rattling vibrating kind of noise that I notice while stopped at stop lights, with foot on the brake. It seems to be coming from under the hood on the passenger side of the car. If you put the car into neutral and take your foot off the brake, the sounds goes away. It’s annoying...
by chickadee
Fri Feb 07, 2020 8:14 pm
Forum: Personal Consumer Issues
Topic: Accounting software for Mac
Replies: 42
Views: 3809

Re: Accounting software for Mac

I’m a happy AccountEdge for Mac user who is trying to figure out what to move to as well.

Intuit says they sell Quickbooks for Mac 2020. Anyone use it? Someone above said it was discontinued 3 years ago.

https://quickbooks.intuit.com/desktop/mac/
by chickadee
Fri Feb 07, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: Anyone watch the Amazon series “The Expanse”?
Replies: 50
Views: 5708

Re: Anyone watch the Amazon series “The Expanse”?

So so good. Keep the ideas for similar series coming...because I binge watched the first 4 seasons way too fast.
by chickadee
Sun Dec 08, 2019 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Finding a Medigap insurance broker
Replies: 12
Views: 818

Re: Finding a Medigap insurance broker

Also used Boomer Benefits. They were great!
by chickadee
Sun Dec 08, 2019 7:50 pm
Forum: Personal Investments
Topic: Please help me be smart with my wife's inheritance
Replies: 52
Views: 5231

Re: Please help me be smart with my wife's inheritance

Family and money should not intermingle. Waiting until the family member, who makes his or her living by commissions and fees to manage money is “100% on board” is never going to happen. Taking charge of your own money and financial literacy and path in life is a good thing. I would thank them for t...
by chickadee
Sun Dec 08, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Estate sales, not for just dead people?
Replies: 21
Views: 2531

Re: Estate sales, not for just dead people?

Because an estate sale such as this one is handled by a an estate sale company. The elderly person and their kids don’t have to handle all of the exhausting logistics. Stuff is just stuff. Whether you are alive or dead.
by chickadee
Fri Dec 06, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security question on dead spouse benifits
Replies: 8
Views: 555

Re: Social Security question on dead spouse benifits

Found on the AARP site: "Social Security allows you to claim both a retirement and a survivor benefit at the same time, but the two won't be added together to produce a bigger payment; you will receive the higher of the two amounts. You would be, in effect, simply claiming the bigger benefit. Y...
by chickadee
Sat Nov 23, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Help! New memory foam mattress is very hot — what can I do?
Replies: 9
Views: 1218

Re: Help! New memory foam mattress is very hot — what can I do?

Memory foam is memory foam. Gel beads or whatever in them to make them cool, that is a marketing ploy. I use a 3” memory foam topper that is supposedly cool. It is not.
by chickadee
Thu Nov 21, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Spending money to make travel easier and luxurious?
Replies: 85
Views: 8714

Re: Spending money to make travel easier and luxurious?

Totally agree on hiring private guides. You get to a purchase a local "friend for a day." I used to think just reading from a guidebook was the smart way to go. But my SO then expected me to explain the sites and do the guiding. It gets old trying to be the expert. I now always spend the m...
by chickadee
Mon Oct 28, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: Is it OK not to wash off bleach?
Replies: 6
Views: 1560

Re: Is it OK not to wash off bleach?

It most likely was Rubber bloom (google this) not mildew in the first place. I’d probably wet cloth remove the bleach. And then get some Rubber Renew : https://www.amazon.com/MG-Chemicals-408A-125ML-Rubber-Liquid/dp/B008O9X3KS/ref=asc_df_B008O9X3KS/?tag=hyprod-20&linkCode=df0&hvadid=30976380...
by chickadee
Wed Sep 18, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Vacation ideas for February
Replies: 48
Views: 4392

Re: Vacation ideas for February

Andalucia region in southern Spain. Spend at least 4 nights in Seville.
by chickadee
Tue Aug 27, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Passport Photos
Replies: 27
Views: 2182

Re: Passport Photos

I took mine myself and it got rejected, Too much contrast was reason given. REALLY puts a stress on a trip to figure out that you've now got to pay for expedited passport renewal. Never again. I'll just go up to Walgreens and let them do it.