Search found 183 matches

by captpete
Wed Oct 21, 2020 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Letting neighbor use dock
Replies: 26
Views: 2146

Re: Letting neighbor use dock

wanderer wrote: Wed Oct 21, 2020 10:11 am Express your concern regarding his safety and the goose droppings. Perhaps he will volunteer to clean periodically.
Also agree insurance coverage should be addressed. We made sure our dock was covered in homeowners, and have an umbrella policy.
Ok thanks
by captpete
Wed Oct 21, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Letting neighbor use dock
Replies: 26
Views: 2146

Re: Letting neighbor use dock

The dock is old, it’s not in need of repair. I don’t go down there and sweep off the goose $&@! or pressure wash it ever year. It’s sturdy and the boards are firm.

I’ll was hoping to find advice of a waiver, I guess I need to talk to a lawyer about that.

Thanks
by captpete
Wed Oct 21, 2020 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Letting neighbor use dock
Replies: 26
Views: 2146

Re: Letting neighbor use dock

I was inebriated
by captpete
Wed Oct 21, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Letting neighbor use dock
Replies: 26
Views: 2146

Re: Letting neighbor use dock

It’s not that bad. No loose planks.
by captpete
Wed Oct 21, 2020 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Letting neighbor use dock
Replies: 26
Views: 2146

Letting neighbor use dock

Good morning, My neighbor is an older gentleman who rows a single during the spring, summer and fall months. Years ago he asked if he could use a dock that we own but do not use to stow and launch his shell. Since we don’t use it I agreed. As a runner I like to believe I can stay active into my late...
by captpete
Tue Sep 15, 2020 1:19 am
Forum: Personal Consumer Issues
Topic: Lawn mower recommendation
Replies: 91
Views: 6119

Re: Lawnmower recommendation

Either buy a cheap, used mower from Craigslist or spend some money and get an EGO battery powered. I love mine for several reasons. It's quiet, light, folds up and takes up little space in the garage, I don't stink after mowing, never have to fill a gas can etc. Worth the money. I hate maintaining ...
by captpete
Fri Sep 11, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Used Car issues Ohio
Replies: 37
Views: 1860

Re: Used Car issues Ohio

Thanks for the link.
by captpete
Fri Sep 11, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Used Car issues Ohio
Replies: 37
Views: 1860

Re: Used Car issues Ohio

Yeah, my brother is really kicking himself here. He knew better than this.
by captpete
Fri Sep 11, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: Used Car issues Ohio
Replies: 37
Views: 1860

Used Car issues Ohio

Good day everyone, Anyone have experience dealing with a used car dealership after they sold you a car that immediately showed issues? My brother bought a used Honda Pilot from a used car lot that gets mixed reviews on line but has a A+ with BBB. He is going on vacation with wife mom and 3 kids tomo...
by captpete
Tue Jul 14, 2020 5:59 am
Forum: Personal Consumer Issues
Topic: Getting rid of a bat!!!
Replies: 25
Views: 1541

Re: Getting rid of a bat!!!

If you are in an area that gets cold he’ll likely move on assuming the porch is inhospitable. If he finds a way in you’re in bigger trouble. We bought an old house (1946 build) and it had bats for who knows how long. I pulled three contractor bags of guano and urine soaked insulation from the attic....
by captpete
Tue Jul 14, 2020 5:48 am
Forum: Personal Consumer Issues
Topic: Getting rid of a bat!!!
Replies: 25
Views: 1541

Re: Getting rid of a bat!!!

Where is the bat roosting?
by captpete
Fri Jul 10, 2020 5:32 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 171
Views: 10715

Re: Who is your favorite fiction author and what is your favorite book of theirs?

DigitalJanitor wrote: Fri Jul 10, 2020 3:00 pm Patrick O'Brian, his Aubrey/Maturin series (starting with Master and Commander). Doesn't get much better. Great characters, great stories, great story arc.
+1

Also Maurice Druon‘s “The Accursed Kings” series
by captpete
Wed May 06, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: Home brewing recommendations
Replies: 25
Views: 1397

Re: Home brewing recommendations

Thanks for all these great suggestions. Just the kind of information I was looking for from fellow Bogleheads.

Pete
by captpete
Wed May 06, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Home brewing recommendations
Replies: 25
Views: 1397

Re: Home brewing recommendations

I am also interested in this and have been for a long time but up until now I haven’t had a block of time long enough to dedicate to it. With work slowing I will have a month to give it a try. I’ve been researching “starter kits” but would like some advice on something more substantial. I think peop...
by captpete
Fri Apr 24, 2020 9:07 am
Forum: Personal Investments
Topic: Intermediate term tax exempt bond fund
Replies: 27
Views: 2505

Re: Intermediate term tax exempt bond fund

Hello all, I have intermediate term tax exempt bond fund in taxable . I know I'm not to listen to "noise" but I read an article about cities going into default. Won't this affect this fund? I have avoided allocating "across funds" for simplicity sake I have life strategy and TD funds in tax deferre...
by captpete
Fri Apr 24, 2020 7:13 am
Forum: Personal Investments
Topic: Intermediate term tax exempt bond fund
Replies: 27
Views: 2505

Re: Intermediate term tax exempt bond fund

Thank you for this response. I'll look into switching to CDs and Bill Bernstein
by captpete
Fri Apr 24, 2020 5:44 am
Forum: Personal Investments
Topic: Intermediate term tax exempt bond fund
Replies: 27
Views: 2505

Intermediate term tax exempt bond fund

Hello all, I have intermediate term tax exempt bond fund in taxable . I know I'm not to listen to "noise" but I read an article about cities going into default. Won't this affect this fund? I have avoided allocating "across funds" for simplicity sake I have life strategy and TD funds in tax deferred...
by captpete
Sun Apr 12, 2020 6:24 am
Forum: Investing - Theory, News & General
Topic: Why do investors say stock picking is risky?
Replies: 79
Views: 4505

Re: Why do investors say stock picking is risky?

If investors were 90% low cost index funds and 10% companies they love (Disney, Google, Microsoft, Johnson & Johnson, to name a few)...how is that risky? I've heard from many investors that they would never consider holding even a single stock in their portfolio unless it was part of a fund. :? Yea...
by captpete
Sat Apr 04, 2020 1:15 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 197732

Lamenting the plight of Restaurants/bars

[Thread merged into here, see below. --admin LadyGeek] Hi all, I’m just venting my sorrow for the many bar stewards, waiters and restaurant staff and owners (all locally owned and operated for sometimes generations) that my DW and I frequent on our few months together out of the year. We are seeing...
by captpete
Sun Mar 29, 2020 12:48 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17848

Re: What will you do first, once COVID pandemic is over?

DW and I will go directly to McGarvey’s in downtown Annapolis for Bloody Mary mussels and Aviator beer! If they haven’t become an Applebee’s by then... I sure hope our favorite haunts survive all this.
by captpete
Mon Mar 16, 2020 7:41 pm
Forum: Personal Investments
Topic: ETF 's better during volatility?
Replies: 19
Views: 1037

Re: ETF 's better during volatility?

Hello all, I had recently done some tlh and placed the orders in mid morning, by close the funds had gone up almost 6%. I'm assuming I sold the mutual funds at closing prices and so with the wild swings missed the mark on tlh. Also, I cannot buy them again for a full month. I understand that i dont...
by captpete
Sat Mar 14, 2020 10:02 pm
Forum: Personal Investments
Topic: ETF 's better during volatility?
Replies: 19
Views: 1037

Re: ETF 's better during volatility?

No I didn't see your earlier post,

Thanks for the information, I'll stick with my MFs
by captpete
Sat Mar 14, 2020 6:59 am
Forum: Personal Investments
Topic: ETF 's better during volatility?
Replies: 19
Views: 1037

Re: ETF 's better during volatility?

Thanks.

So what's the downside to ETFs?
by captpete
Sat Mar 14, 2020 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Saving TLH losses for future years?
Replies: 5
Views: 598

Re: Saving TLH losses for future years?

This is in line with what my cpa has said.

https://www.investopedia.com/terms/t/ta ... orward.asp

Looks like 3k carry forward for 7 years.

Regards
by captpete
Sat Mar 14, 2020 6:09 am
Forum: Personal Investments
Topic: ETF 's better during volatility?
Replies: 19
Views: 1037

ETF 's better during volatility?

Hello all, I had recently done some tlh and placed the orders in mid morning, by close the funds had gone up almost 6%. I'm assuming I sold the mutual funds at closing prices and so with the wild swings missed the mark on tlh. Also, I cannot buy them again for a full month. I understand that i dont ...
by captpete
Fri Mar 13, 2020 5:16 pm
Forum: Personal Investments
Topic: Setting up a Vanguard frozen SIMPLE IRA
Replies: 8
Views: 893

Re: Setting up a Vanguard frozen SIMPLE IRA

Must and will are not the same here.

We found the "frozen" account and have opened it up. We'll be making monthly transfers soon.

Thanks
by captpete
Wed Mar 11, 2020 5:22 am
Forum: Personal Investments
Topic: Setting up a Vanguard frozen SIMPLE IRA
Replies: 8
Views: 893

Re: Setting up a Vanguard frozen SIMPLE IRA

Good Morning, We tried to set up a simple Ira with vanguard years ago asking about the "Frozen" simple Ira, the rep said he had never heard that term. Recently we discovered that DW has a 5304 and tried to get her employer to add VG but the HR rep said that the custodian they use is the only one the...
by captpete
Fri Mar 06, 2020 7:13 pm
Forum: Investing - Theory, News & General
Topic: "20 IRA Mistakes to Avoid"
Replies: 6
Views: 1600

Re: "20 IRA Mistakes to Avoid"

I have been informed on this forum that #6 should be avoided due to the pro-rata rule and keeping up with basis. Is this not the case? Pete You are correct. However, the article points out that an investor could perform a rollover of a traditional IRA balance to a 401(k), if one is available. The p...
by captpete
Mon Feb 10, 2020 2:01 pm
Forum: Investing - Theory, News & General
Topic: "20 IRA Mistakes to Avoid"
Replies: 6
Views: 1600

Re: "20 IRA Mistakes to Avoid"

I have been informed on this forum that #6 should be avoided due to the pro-rata rule and keeping up with basis.

Is this not the case?

Pete
by captpete
Thu Jan 16, 2020 9:09 pm
Forum: Personal Investments
Topic: Portfolio Review Jan 2020
Replies: 2
Views: 461

Re: Portfolio Review Jan 2020

We no longer do the Back Door Roth as I have been advised on here to not do it due to the headache caused by the pro rata rule, so no more IRA contributions for Him and only Her Simple. If allowed he could transfer his Rollover IRA into his 401k. That would open the backdoor Roth method for him. He...
by captpete
Thu Jan 16, 2020 7:52 am
Forum: Personal Investments
Topic: Portfolio Review Jan 2020
Replies: 2
Views: 461

Portfolio Review Jan 2020

First, thank you forum members for all that you contribute to my financial literacy education. I have been meaning to post this for quite some time to make sure I am doing things correctly. I see this type of post from others and how much help people give/receive and I could use some reassurance/adv...
by captpete
Sat Jan 11, 2020 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Back door Roth, just to be clear...
Replies: 7
Views: 1238

Re: Back door Roth, just to be clear...

If you don't use the same tax preparation method each year, you need to watch out for the numbers that carry-over from the previous year. If you start by importing the file from the previous year, software should pick up the needed carry-over numbers. In the case of Form 8606, the remaining basis f...
by captpete
Sat Jan 11, 2020 9:41 am
Forum: Personal Investments
Topic: Ohio STRS opinions
Replies: 20
Views: 832

Re: Ohio STRS opinions

Reading this post has me appreciating Ohio strs more than I ever thought I would. My mother is a retired Ohio teacher and has strs. She worked 26 years and draws around 2800/month retirement and does not get SS as she didn't pay into it most of her working life. The problem may be with the teachers ...
by captpete
Tue Jan 07, 2020 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Back door Roth, just to be clear...
Replies: 7
Views: 1238

Re: Back door Roth, just to be clear...

If the only reason you use a tax accountant is for Form 8606, TurboTax does a good job completing the Form for self-preparers. Sounds like you have some prior years’ prepared by the tax accountant you can follow and you can always post your Form line #/$ here for feedback if you DIY. Thank you for ...
by captpete
Fri Dec 13, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Back door Roth, just to be clear...
Replies: 7
Views: 1238

Back door Roth, just to be clear...

I've posted many times on this issue but since we're nearing the end of the year and I like to keep the conversion in the calendar year they are from I want to make sure we aren't missing anything. We make just over the allowable amount for Roth We have existing Simple, Traditional and rollover IRA ...
by captpete
Fri Dec 13, 2019 7:39 am
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 95
Views: 12383

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

Prepaid does not cover "roaming", something I only learned after switching. I work on the lower Mississippi and my phone is constantly saying "Verizon, Roaming, Verizon, Roaming!" Very annoying. Apparently you can still dial out in roaming but it's $1/minute. I will go days without a solid reliable...
by captpete
Tue Sep 17, 2019 5:52 am
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 95
Views: 12383

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

Prepaid does not cover "roaming", something I only learned after switching. I work on the lower Mississippi and my phone is constantly saying "Verizon, Roaming, Verizon, Roaming!" Very annoying. Apparently you can still dial out in roaming but it's $1/minute. I will go days without a solid reliable ...
by captpete
Mon Jul 22, 2019 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1665
Views: 240476

Re: Fidelity as a one stop shop

Property taxes 17-18k but MD charges a fee of 2.25% of total to use cc for payment. I would still consider CC. The fees total about $400. If you split the payment among 4 cards with big signup bonus each, you could earn $2K+ for not much work, all tax-free. I would at least give it consideration if...
by captpete
Wed Jul 17, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1665
Views: 240476

Re: Fidelity as a one stop shop

Good morning, I recently moved my HSA to fidelity and then happened upon this post. I then opened a CMA with fidelity. I am hesitant to pull the trigger on funding the account. The ER for the MM at fidelity is .47 and with VG is .16. We are only talking 30k or so, part of my Emergency fund. I initi...
by captpete
Sun Jul 14, 2019 9:15 am
Forum: Investing - Theory, News & General
Topic: Roth 401(k) vs No Roth at all
Replies: 10
Views: 1024

Re: Roth 401(k) vs No Roth at all

OP, I think you mentioned in a previous post that you're in your mid 30's. Are you in a field where you or your wife anticipate that your income will go up over time? Do you intend to get further education and earn more in the future that way? If so, then you may well decide to pay tax at current r...
by captpete
Sun Jul 14, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1665
Views: 240476

Re: Fidelity as a one stop shop

Good morning, I recently moved my HSA to fidelity and then happened upon this post. I then opened a CMA with fidelity. I am hesitant to pull the trigger on funding the account. The ER for the MM at fidelity is .47 and with VG is .16. We are only talking 30k or so, part of my Emergency fund. I initia...
by captpete
Fri May 24, 2019 11:20 am
Forum: Investing - Theory, News & General
Topic: Roth 401(k) vs No Roth at all
Replies: 10
Views: 1024

Re: Roth 401(k) vs No Roth at all

Can you clarify this sentence: "did Back Door Roth for a few years but since we have basis to look out for many Bogleheads have advised that I don't do that, even though my cpa seems to think it is still a good idea." Do you have Traditional IRAs (pre-tax) that are bringing the Pro-Rata rule into p...
by captpete
Fri May 24, 2019 11:19 am
Forum: Investing - Theory, News & General
Topic: Roth 401(k) vs No Roth at all
Replies: 10
Views: 1024

Re: Roth 401(k) vs No Roth at all

Yes.. I still don't understand what you mean by ' have basis to look out for ' I'm doing all the Roth I can now because of the low rates. Roth 401k, BD Roth IRA, MBD Roth IRA. I'll keep updating my projections and probably go back to pre-tax 401k in a few years, even if the low rates are still ther...
by captpete
Fri May 24, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: Roth 401(k) vs No Roth at all
Replies: 10
Views: 1024

Re: Roth 401(k) vs No Roth at all

Hi all, I'm sure this is mentioned elsewhere but didn't see it when I searched. I like the idea that roth is never taxed again and with the lower tax rates we have now I am considering contributing to the roth until the tax laws expire in 25' We were in marginal tax rate of 19% and effective 17%. A...
by captpete
Fri May 24, 2019 8:55 am
Forum: Investing - Theory, News & General
Topic: Roth 401(k) vs No Roth at all
Replies: 10
Views: 1024

Roth 401(k) vs No Roth at all

Hi all, I'm sure this is mentioned elsewhere but didn't see it when I searched. We make too much to roth, did BD roth for a few years but since we have basis to look out for many bogleheads have advised that I don't do that, even though my cpa seems to think it is still a good idea. I have not BD ro...
by captpete
Sat Mar 30, 2019 9:29 am
Forum: Personal Investments
Topic: Back door Roth strategy
Replies: 30
Views: 1958

Re: Back door Roth strategy

captpete, my suggestion is that neither of you should made any more contributions to tIRA. This is because your wife has the SIMPLE IRA and a tIRA and because you have the rollover IRA. Instead, put that money into a taxable account and invest in a tax-efficient index fund such as a total stock or ...
by captpete
Sat Mar 30, 2019 6:51 am
Forum: Personal Investments
Topic: Back door Roth strategy
Replies: 30
Views: 1958

Re: Back door Roth strategy

Earl Lemongrab wrote: Fri Mar 29, 2019 12:13 pm I would say that details on your 401(k) would help.
My 401(k) has fees of 1.25% the fund fees are minimal, even less than some VG funds I hold, they are through Blackrock.
by captpete
Fri Mar 29, 2019 10:31 am
Forum: Personal Investments
Topic: Back door Roth strategy
Replies: 30
Views: 1958

Re: Back door Roth strategy

We make too much to do deductable IRAs or normal Roth's. I have 401k with high fees she has Simple IRA with high fees. We roll her simple each year into VG TIRA. She has HSA with hdhp. I don't have that option. Is there anything else we should be doing other than piling the rest into taxable? We ha...
by captpete
Fri Mar 29, 2019 9:57 am
Forum: Personal Investments
Topic: Back door Roth strategy
Replies: 30
Views: 1958

Re: Back door Roth strategy

Captpete It is difficult to say your best course of action because we don't know your tax situation. Another option you could take is to convert the entire pension IRA to Roth so that all your funds are 100% Roth and pay taxes on the conversion. You would have to determine whether taking the tax hi...