Search found 259 matches

by retire14
Wed Nov 07, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: 401K rollover to Roth
Replies: 8
Views: 368

Re: 401K rollover to Roth

I bet you a dollar that the OP was describing his traditional 401(k) because all contributions to designated Roth accounts are after tax. He would not have before and after tax contributions in a designated Roth. Only the OP can clarify this. Yes. Existing 401k is traditional. I want to move the af...
by retire14
Wed Nov 07, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: 401K rollover to Roth
Replies: 8
Views: 368

401K rollover to Roth

I retired from a mega corp and still have a 401K balance in Fidelity. Based on the Fidelity website, I can add up my before and after tax balance. I would like to rollover the after tax potion to Roth IRA. I have no idea what the contributions were, only the current balance. From the IRS website, it...
by retire14
Sun Nov 04, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 5979

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

You said you're getting older so that translates to wanting more comfort and a few cool nannies too. My favorite user interface of the German cars is the BMW system, especially the overhead camera. Sweet spot for comfort and sport is the 5 series; a great all day highway car and tight handling when...
by retire14
Sat Nov 03, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 5979

Time to splurge. MB E class, BMW 5 or Audi 6?

Time for a new car and have decided to splurge a little in our old age. We currently have a BMW series 3 with 110K miles and like it a lot. May even be doing European Delivery. Your take on 2019 MB E Class or BMW Series 5 or Audi 6?Just doing research now and will buy some time after the New Year. I...
by retire14
Thu Oct 11, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3476

Pick a brand like Jura or Gaggia, etc..

Then go with a model that fits your budget. We had a Gaggia for 10 years, then replaced it with a Jura Z7. Worth every penny!
by retire14
Fri Sep 21, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Apple watch Series 3
Replies: 2
Views: 311

Apple watch Series 3

Now that Series 4 is out, I thought maybe I could buy a Series 3 on the cheap. A refurbished goes for around $250. I'd to use it to track my heart rate and exercises, plus if I can use it golf GPS, it would be a bonus. Apple watch series 3 users: what do you think? TIA
by retire14
Fri Aug 24, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: PDF to Excel Conversion for iMac
Replies: 5
Views: 348

PDF to Excel Conversion for iMac

What program do you recommend to convert PDF file to Excel on a Apple iMAC? Need to calculate cost basis of a stock that we have reinvested dividends. ComputerShare holds the account and only has PDF downloads. TIA.
by retire14
Mon Aug 13, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: brother laser printer--OEM or 3rd party cartridges
Replies: 13
Views: 803

brother laser printer--OEM or 3rd party cartridges

Just bought a Brother laser B/W laser printer based on this board's recommendations. Should I buy the OEM brother cartridge or 3rd party? Looks like I can save about $20 on Amazon. Is it worth it? TIA
by retire14
Mon Aug 06, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 75782

Moving Fido indexes to zero expense funds

[topic merged into here --moderator triceratop] I have followed the Fidelity Zero fund thread and concluded that there is NO reason not to move my FSTVX (total market) and FSGDX (Global ex-US) to the new equivalent, zero expense funds. I prefer to keep my funds with Fido. Am I missing anything as I...
by retire14
Fri Aug 03, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 2923

Re: Should I roast my own coffee?

OK I am interested. Can someone recommend a "roaster" if I would like to roast say about 1/2 lb each time? Is there a website to read further? TIA.
by retire14
Sat Jul 21, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: $1200 AC fix on a 2007 Civic
Replies: 22
Views: 1766

Re: $1200 AC fix on a 2007 Civic

I bought a compressor at a junk yard for my 2003 MDX and paid $285 to have it put in. Works well so far!
by retire14
Sun Jul 15, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Reading glasses for driving
Replies: 11
Views: 977

Reading glasses for driving

Iphone/GPS displays are small and hard to read while driving. What kind of glasses do you recommend to use while driving. My eye sight is normal otherwise. Only need glasses while reading. Can I get a "bifocal" pair with the top portion is just transparent and bottom is about +2? TIA
by retire14
Mon Jul 09, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Two or Three Day Golf Clinics?
Replies: 21
Views: 1770

Re: Two or Three Day Golf Clinics?

I have been to Butch Harmon's school and found that while I did see improvements, overtime, my game reverted back to the old habits since I did not have the time to practice to maintain it. Now that I am retired, I have time to practice. So, with a PGA professional, you can get better with an hour l...
by retire14
Sat Jul 07, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4735

Retirees...what’s your lunch menus?

Been trying to eat healthy and am tired of salad everyday. I am pre diabetic but otherwise in good shape. Suggestions for quick lunch menus please. I am ok wit meat, fats, cheese, etc...only avoid carbs.
by retire14
Tue Jul 03, 2018 5:54 am
Forum: Personal Consumer Issues
Topic: Acura MDX compressor gone kaput
Replies: 5
Views: 545

Acura MDX compressor gone kaput

My 2003 Acura MDX has 192K miles and the compressor has gone bad. It makes clacking noise when first started and then a humming on and off after a few mintes. Took it to 2 mechanics and both wanted to replace at between $1200-$1300 to replace. I love the car and would like to keep it to haul things ...
by retire14
Mon Jul 02, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 16424

Re: Retirement Destination - are you happy with your choice?

We retired to Charlottesville, VA from NJ. We really love C'ville with UVA, mountains, wineries, breweries, golf and tennis! And people are so nice, friendly and courteous!
by retire14
Sun Jun 24, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: European Delivery in November [car]
Replies: 4
Views: 603

European Delivery in November [car]

Following up on my recent inquiry about ED of a Audi. If I decide in the next few weeks, the car will be ready by mid Nov which is getting a little cold to travel around in Europe. Will I be better off to wait until January to order and pick up the car in March/April? any pros/cons of pulling the tr...
by retire14
Sun Jun 24, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Indexing in Australia
Replies: 2
Views: 329

Indexing in Australia

I have relatives in Australia. I discussed with them about indexing. They are interested to learn more, but I have no idea on how to show them. I did a quick search here and still did not get a concrete recommendation on how to do a 3-fund indexing for Australia. I read here that Australia indexing ...
by retire14
Fri May 25, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Magic Jack Go vs Obihai obi200- which one as landline replacement?
Replies: 37
Views: 4567

Re: Magic Jack Go vs Obihai obi200- which one as landline replacement?

OBi 100 here. Worked well for a number of years. recently bought a Obi 200 as an upgrade. Highly recommended.
by retire14
Mon May 14, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Buying Audi 6 in Germany
Replies: 9
Views: 1614

Buying Audi 6 in Germany

We are toying with the idea of order a Audi here, pick it up in Germany, take a 2-week vacation driving then have it shipped here. After doing research it does not seem to pay. Ordering a car here will get a 5% off MSRP, while True Car price here is more like 10%. For a 55K car, thats 2.75K differen...
by retire14
Fri May 11, 2018 5:02 am
Forum: Personal Consumer Issues
Topic: Discount tickets for Vegas shows
Replies: 2
Views: 351

Discount tickets for Vegas shows

This forum is awesome. So far, I got great advice on hotels, restaurants, shows and car rental. Now, one last question for my upcoming trip to Vegas. We are interested in Absinthe and Beatles-Cirque du Soleil (again, based on recommendations here). Tickets are expensive so I am looking for ways to s...
by retire14
Fri May 04, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Las Vegas shows
Replies: 22
Views: 2425

Las Vegas shows

What are the best shows in Vegas? We are staying at Bellagio’s. TIA
by retire14
Thu May 03, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Do you use computer glasses?
Replies: 16
Views: 1566

Do you use computer glasses?

I require reading glasses to read. But I need another pair for my computer since the distance is farther. Do I need a computer pair or another reading pair with weaker magnification (say +1 or +.5)? TIA.
by retire14
Tue May 01, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Fiber cable on front lawn
Replies: 39
Views: 2974

Fiber cable on front lawn

We live in Virginia in a new development. Moved into new house 3 years ago. We have Comcast. Six months ago, Century Link came and installed fiber in the neighborhood and left a 20ft black cable on my lawn. The cable rises from a underground tube. I though that they would come back later to run the ...
by retire14
Mon Apr 30, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Temporary mobile phone
Replies: 2
Views: 294

Temporary mobile phone

We have relatives from Australia who will be visiting the US for a few weeks. They need cel phone while they are here. What's the best way to get it? Can they just buy a pre-paid SIM card and pop it in their Australian phone? TIA.
by retire14
Sat Apr 28, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Car rental in Las Vegas
Replies: 14
Views: 1407

Car rental in Las Vegas

Plan to rent a full size car for 2 weeks from LV airport and drop off at same location. Is Costco the cheapest?
by retire14
Sat Apr 28, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Cheapest way to subscribe to the NY Times
Replies: 9
Views: 1232

Cheapest way to subscribe to the NY Times

I am in Virginia and would like to subscribe to the NY Times. I prefer a physical copy plus a digital version. What is the cheapest way to get it? TIA
by retire14
Tue Apr 24, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab international ATM (worth the hard credit pull)
Replies: 25
Views: 2490

Re: Charles Schwab international ATM (worth the hard credit pull)

I have used Schwab's ATM for my Asian trips and it worked great. I only opened the account for that purpose. I also have a Fidelity's ATM as back-up. It also reimburses ATM fees. And on occasion, one worked while the other did not. If you rely solely on ATMs for cash, I recommend these 2.
by retire14
Wed Apr 18, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Best site to book online for Caribbean or Bahamas
Replies: 2
Views: 557

Best site to book online for Caribbean or Bahamas

Looking to book a 5-day trip to the Caribbean or Bahamas late May-early June 2018. Where should we look to get the best price? Thank you.
by retire14
Sun Apr 15, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 3943

Las Vegas hotel

We are planning on staying in Las Vegas for a couple of nights before going to grand Canyon, Bryce and Zion. I know Vegas hotels usually have promotions and such. Anyone has suggestions on how to get discounts? If not, what hotel do you recommend? I am a regular here, so nothing extravagant, please....
by retire14
Fri Apr 13, 2018 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Help me choose a top law school!
Replies: 65
Views: 6681

Re: Help me choose a top law school!

As an alum of UVA and father of a daughter who is applying to UVA Law, UVA is the obvious choice. Wahoowa! But seriously, you are obviously very capable and you cannot go wrong with any of the top law schools. You will do well regardless. Congratulations and best of luck!
by retire14
Thu Mar 22, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Hire CPA or do my own Tax
Replies: 7
Views: 575

Re: Hire CPA or do my own Tax

I was in similar situation and used TT. It was easy!
by retire14
Thu Mar 15, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Utah Parks
Replies: 16
Views: 1826

Grand Canyon and Utah Parks

We are planning to do a 12-day tour of Grand Canyon and a few parks in Utah in early June. We would like to start from Vegas. Don't know where to start. Would like to spend time hiking around the parks also. Please suggest a high-level initerary so we can plan the details. Thank you.
by retire14
Mon Mar 12, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Building a website-Looking for advice
Replies: 6
Views: 438

Building a website-Looking for advice

I am helping a friend who owns a very small shop to start a website. It will be simple, just advertise the shop with contact info, description of products and a few pictures. I've googled and found many free website ads that I did not know where to start. I prefer a site which won't charge a fee for...
by retire14
Mon Jan 22, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 7433

Re: Work-out schedule for those in 60s

Thank you for all your replies. Seemed to me that I do not need the rest days (which I thought was important for my aging body to recover), so I will be adding another strength day and another cardio day. Plus looks like I could increase my cardio a notch both in intensity and length. Thank you.
by retire14
Mon Jan 22, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 3588

Re: Cutting cable

I have a small leaf HD antenna that can be hidden behind the TV for OTA local channels. Then I have DirecTV NOW for cable channels like CNN/FOX/CNBC, etc. plus my sports channels: golf,tennis, ESPN, Big Ten, SEC Network. Works great for me although it took a while for my DW to get used to the remote...
by retire14
Mon Jan 22, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 7433

Work-out schedule for those in 60s

Just curious, what is your weekly work-out routines for those in the 60s? For me--I just added weight training the last 3 months M: Cardio (40 mins) Stretch (15 mins) T: weight (30 mins), slow cardio (20mins) stretch (15 mi) W: Rest Th: Repeat Monday F: Repeat Tuesday Sat: Rest Sun: Repeat Monday to...
by retire14
Tue Jan 16, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: US escorted tours
Replies: 15
Views: 1280

US escorted tours

I have a couple who will be visiting the US from Australia. They are interested in exploring potential tours that they can take from the US (e.g. national parks, southwest, new england, etc..). They do not want to drive since they are not comfortable with driving on the "wrong" side :) They want to ...
by retire14
Mon Jan 15, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: TSA locks for luggage
Replies: 18
Views: 1630

TSA locks for luggage

I am traveling to VietNam and has heard that luggage theft is very high there. In the past, I normally used zip ties. But I also heard that TSA locks are worthless. What do BHs use to protect your luggage against potential theft (other than just carry-on). TIA
by retire14
Fri Jan 12, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: First time Medicare question
Replies: 18
Views: 1272

Re: First time Medicare question

Apparently the doctor supplied services not covered by the Medicare wellness exam without carefully explaining that was what he was doing. I don't know if it was out of line that those services were appropriate, but there should have been an explanation of costs. But the real question is why you do...
by retire14
Fri Jan 12, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: First time Medicare question
Replies: 18
Views: 1272

First time Medicare question

So I just had a "Welcome to Medicare" exam and got a bill from my physician for $183. I complained and they told me that Medicare paid for the physical, but the dr talked to me about some chronic conditions during that visit and they wanted to bill me for that. I had no chronic conditions. I only as...
by retire14
Mon Jan 08, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: ISO Wifi Video Camera
Replies: 4
Views: 334

ISO Wifi Video Camera

Would like to get a couple of wifi camera so we can periodically check in the house while we are away. Nothing fancy, just a basic camera with a wide view or pan capability so we can see the whole room. Any recommendations, please. TIA
by retire14
Tue Jan 02, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 68
Views: 7650

Re: State Farm vs Geico

GEICO was cheaper for my auto insurance. Also, if your home insurance quote fro Geico is high, you can ask them to look for another company. Like someone posted, Geico marketed a 3rd party home insurance co, so that have several they can quote you on. I did that and my combined auto/home/umbrella in...
by retire14
Sun Dec 17, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Spousal SS benefits
Replies: 32
Views: 2645

Spousal SS benefits

My wife reaches FRA in April and me in May 2018. Our plan is for her to file for benefits and for me to wait until 70. As I understand it, she can file for her benefits and I can claim spousal (50%) at FRA. This will not affect my own benefits at 70. a) is above true? Seemed too good since I am gett...
by retire14
Thu Dec 14, 2017 3:54 am
Forum: Personal Finance (Not Investing)
Topic: Part year HSA contributions and Medicare
Replies: 1
Views: 270

Part year HSA contributions and Medicare

I started Medicare Part A&B in June 2017, but have not started SS benefits. I had a high deductible plan before Medicare and had been contributing to HSA. Can I continue to contribute to HSA the first 6 months of 2017 before I enrolled in Medicare? TIA
by retire14
Thu Nov 23, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 3717

Wifi speakers-SONOS vs Echo/Google Home

Would like to get wireless speakers for the house on black friday. I know SONOS is the king, but how does it compare to the new Echo, Google? If sound quality is the same , would a smart speaker be better? I already have a small echo so I really do not need another smart speaker. Any other brands I ...
by retire14
Wed Nov 15, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Florida slip & fall advice? Helping my parents
Replies: 11
Views: 1128

Re: Florida slip & fall advice? Helping my parents

I do not have any advice, but just wanted to tell you my heart broke when I read your post. Best of luck to your Mom. I really hope she can walk again after physical therapy.
by retire14
Wed Nov 15, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Medicare and glucose test strips
Replies: 4
Views: 622

Medicare and glucose test strips

I have Medicare part D plus Humana prescription plan. My doctor would like me to monitor blood glucose, but my insurance does not cover. Anyone is similar situation? Is there a way to get it covered or cheap or you just have to pay out of pocket?
by retire14
Thu Nov 09, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 74
Views: 8344

What backup service to use?

I am currently backing up my Mac with an external HD, but would like to find another backup mechanism. What backup service do you use and why? Is iCloud a good backup?Thanks.
by retire14
Tue Nov 07, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 6247

What do you do to keep your mind sharp?

For seniors, what do you do on a daily basis to keep your mind sharp, improve memory and combat cognitive decline?