Search found 900 matches

by dbltrbl
Fri Aug 16, 2019 6:54 am
Forum: Investing - Theory, News & General
Topic: Any retired person have stocks and cash I was thinking about a 70/30
Replies: 61
Views: 4655

Re: Any retired person have stocks and cash I was thinking about a 70/30

It depends on you and your situation. I am retired and have 90% stocks, 10% cash and yes I sleep soundly. My RMDs and pension ( NO Social security) provide more than enough for our daily living. And yes I can stomach a 40-50% down turn. You decide on your comfort level. Do not worry about rule of th...
by dbltrbl
Mon Jun 03, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7590

Re: Do you drive old cars for long distance travels?

Peace of mind is important. If you feel uncomfortable, I suggest just rent a car/SUV with unlimited mileage for the trip. Life is short.
by dbltrbl
Mon Jun 03, 2019 8:00 am
Forum: Personal Investments
Topic: Would you pay off car loan early?
Replies: 46
Views: 2474

Re: Would you pay off car loan early?

I am debt averse. So pay off the car. Than invest the difference as no monthly payments.

Gl :sharebeer
by dbltrbl
Tue Apr 30, 2019 7:24 am
Forum: Personal Consumer Issues
Topic: Is the United Airlines Online Reservation System Confusing, or Is It Me?
Replies: 17
Views: 1349

Re: Is the United Airlines Online Reservation System Confusing, or Is It Me?

Easiest is call the phone number various search engines have. Cheapoair comes to mind and request what you want. Websites are not designed for specific exception requests.Expedia, travelocity all have phone numbers.
by dbltrbl
Tue Mar 12, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Is there a better and cheeper way to send money......
Replies: 19
Views: 1830

Re: Is there a better and cheeper way to send money......

Use transferwise. Good exchange rates.
by dbltrbl
Sat Mar 02, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring $ between Bank Accounts
Replies: 13
Views: 1189

Re: Transferring $ between Bank Accounts

use a different bank. Depending on where you are fifth third or US bank no charges for transfer either way. Alternatively open Fidelity Smart cash account. Mobile deposit and free transfers
by dbltrbl
Thu Feb 14, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 26
Views: 2213

Re: IRS Direct Pay

You can and you must pay estimated taxes for 2019. It is available on IRS Direct pay. You decide whether payment is for 2018 taxes or 2019 taxes.
by dbltrbl
Mon Feb 11, 2019 4:43 pm
Forum: Personal Investments
Topic: Going to single income for a couple of years, Convert tIRA to Roth
Replies: 10
Views: 903

Re: Going to single income for a couple of years, Convert tIRA to Roth

No it doesn't matter if you file jointly whose tira you convert to Roth. . Do not forget $2000.00 kid credit. Play with numbers but you should get a big chunk converted.
by dbltrbl
Sat Dec 22, 2018 11:30 am
Forum: Personal Investments
Topic: Suggestions
Replies: 6
Views: 459

Suggestions

I will convert about $30000.00 from a roll over IRA to ROTH IRAbefore DEc. 31st.

My choice to convert funds from a S& P 500 fund or a Money Market Fund.

Both are in ROllover IRA.

Next year (2019) I will hit 70.5 and RMDS kick in.

Thanks for your help.
by dbltrbl
Sat Dec 22, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Expensive Colleges - Investment Worth It
Replies: 67
Views: 2757

Re: Expensive Colleges - Investment Worth It

What does she plan on majoring in? Does she plan on ( She can and will change her mind) graduate school? I general you are correct ROI is bad on those schools. Essentially you want to be a big fish in a pond or small fish in the ocean. On the other hand she is more likely to study harder at a school...
by dbltrbl
Tue Dec 18, 2018 9:30 am
Forum: Investing - Theory, News & General
Topic: External Acct Xfer Into Vanguard Fund - days?
Replies: 8
Views: 302

Re: External Acct Xfer Into Vanguard Fund - days?

Allow 3 working days. It should be there.
by dbltrbl
Tue Nov 27, 2018 6:10 pm
Forum: Personal Investments
Topic: Sell Stock or Student Loans for Grad School?
Replies: 13
Views: 752

Re: Sell Stock or Student Loans for Grad School?

Are these Stafford loans? some loans do not start charging interest till you graduate or quit the program. I would take those no interest loans and pay rest by selling stock. ( I think 8500.00 is the limit per year for subsidized loans). While there are individuals who can do part time graduate stud...
by dbltrbl
Tue Nov 06, 2018 8:59 am
Forum: Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 44
Views: 7930

Re: E. Jones/Vanguard and now Fisher Investments

Hi Klaxton, My nickels worth. Cancel the meeting with Fisher person. I know this is Vanguard board but at your age, I would suggest simplicity (like many others here) over anything else. My suggestion is to go with Fidelity's Four in one index fund. You have one fund with Equities and bonds. Just on...
by dbltrbl
Fri Nov 02, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: RE Newbie: Buying Family Owned Home
Replies: 14
Views: 1138

Re: RE Newbie: Buying Family Owned Home

If you sell your primary residence, up to 500000.00 is tax free. No paperwork.
by dbltrbl
Fri Nov 02, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 309
Views: 27316

Re: H+R Block Deluxe Fed and State $35. Questions.

Rental property you need premium tax software from Block.
by dbltrbl
Tue Oct 30, 2018 10:36 am
Forum: Personal Investments
Topic: Questions about 403b investment options
Replies: 10
Views: 645

Re: Questions about 403b investment options

Yes invest in 403b as much as you can up to the limit. I don't blame you for getting lost. You do not need a sales rep from any one. To keep it simple you can invest in Fidelity, Index 500 at your age or Four in one Index. Either of those are fine choices. If more hands on than you can invest in oth...
by dbltrbl
Mon Oct 29, 2018 2:18 pm
Forum: Personal Investments
Topic: 403(b) Roth in-plan conversion losses, what is the income?
Replies: 13
Views: 765

Re: 403(b) Roth in-plan conversion losses

$ 8000.00 Easy one for a change.
by dbltrbl
Fri May 25, 2018 9:11 pm
Forum: Personal Investments
Topic: Health Care ETF (VHT)
Replies: 7
Views: 1084

Re: Health Care ETF (VHT)

VHT is not a tax efficient vehicle. It has been a fine fund for me both in taxable and ROTH accounts but every year good amount of distributions in March and December. As others have said it is not diversified. Between the two, keep in IRA, 401 K or Roth accounts.
by dbltrbl
Wed May 23, 2018 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Can I max out TSP and do a traditional IRA?
Replies: 9
Views: 1307

Re: Can I max out TSP and do a traditional IRA?

Yes. You can do traditional IRA for you and your spouse if combined income is as stated by you.
by dbltrbl
Wed May 23, 2018 4:35 am
Forum: Personal Investments
Topic: Contribution limits to Roth IRA and 401(k) with small earned income
Replies: 7
Views: 831

Re: Contribution limits to Roth IRA and 401(k) with small earned income

They can contribute the total amount in BOX 1 of W-2.
by dbltrbl
Wed May 23, 2018 4:32 am
Forum: Personal Finance (Not Investing)
Topic: Difference between 1099R and Form 5498
Replies: 2
Views: 1695

Re: Difference between 1099R and Form 5498

5498 is for information only for you and IRS. It represents total value of your IRA, ROTH etc. as of previous December 31st. 1099-R represents only the year for which filing taxes.
by dbltrbl
Sat May 12, 2018 5:35 pm
Forum: Personal Investments
Topic: None Citizen Step Siblings
Replies: 2
Views: 727

Re: None Citizen Step Siblings

No. They can not. But you can save and gift it to them.
by dbltrbl
Sat May 12, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 50172

Re: Lucrative careers?

President of USA :D :D :D :D failing that a Senator 8-) 8-) 8-) 8-)
by dbltrbl
Sat May 05, 2018 6:50 am
Forum: Personal Finance (Not Investing)
Topic: IRS Filing [Should 1040X be filed?]
Replies: 8
Views: 1476

Re: IRS Filing

I would just file 1040x now. Explain and be done. If you wait for them interest will continue to accrue. If you used software, i would include a copy of updated 1040 just for their info.
by dbltrbl
Sun Apr 15, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Having Child; Car Purchase maybe?
Replies: 40
Views: 2971

Re: Having Child; Car Purchase maybe?

no need for a new car. Switch cars if needed. Long distance and you do not travel light, just rent a car for that time. As long as old car running fine sit tight.
by dbltrbl
Mon Apr 09, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Best place to buy a TV
Replies: 33
Views: 4133

Re: Best place to buy a TV

Specific Model number will be different at COSTCO. Look at your details from Samsung or LG or whatever model you have in mind. Than look at Costco with details not model number. You will likely pay sales tax . With ABT no sales tax.
by dbltrbl
Wed Feb 28, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 5769

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

Hmmmmm. Did not realize Motorola is a Chinese company. I was under impression Google owns it.
by dbltrbl
Sat Feb 10, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 46
Views: 4263

Re: Good Hotel in DC

Any price? Trump hotel, new and nice. :D :) :sharebeer
by dbltrbl
Wed Jan 31, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 4608

Re: How to ship two big tubs of butter internationally?

Just ship it overnight. hope your uncle remembers you at his will time. :D :D :D
by dbltrbl
Fri Jan 26, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Are 100-year old homes junk?
Replies: 62
Views: 3360

Re: Are 100-year old homes junk?

You answered your question. Location, Location and Location. :D :D :D
by dbltrbl
Fri Jan 26, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software Recommendations
Replies: 30
Views: 3763

Re: Tax Software Recommendations

Why not give a chance to new comers. Freetax or Credit karma. I have used Tax Act and free tax. With both of them I had some issues at state level. No issues whatsoever with Federal forms. TT I will not use for ethical reasons.
by dbltrbl
Mon Jan 22, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Swing Shift vs 8-5
Replies: 36
Views: 3753

Re: Swing Shift vs 8-5

What are the chances you can request back 8-5 if needed. My brother has quit jobs on 8-5 so he can work second shift. You need to be happy. As for other stuff like noise and so, most times your body tunes it out.
by dbltrbl
Mon Jan 22, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Any good blog for kids who want to pursue medicine ?
Replies: 10
Views: 1051

Re: Any good blog for kids who want to pursue medicine ?

In general I would agree with OP about exposure to other fields. However, if you are looking at direct programs, whether 6, 7 or even 8 years you should start looking at it now. My info is old ( 2000 HS Graduate) but when our son wanted direct programs, I had no clue as to which schools other than o...
by dbltrbl
Tue Nov 21, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: where should I put my direct deposit?
Replies: 26
Views: 3673

Re: where should I put my direct deposit?

if your employer allows, I put majority in bank/Credit union checking account and say 100.00 per month in Vanguard MM account. After 2 or 3 months if you have too much in checking account put 150-200 in Vanguard MM and less in checking account until you figure out optimum division.
by dbltrbl
Fri Nov 17, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 4572

Re: Electric Car (Nissan Leaf) for a teen driver?

For the kind of driving you are talking, Leaf would be just fine. If she was driving on highway, I would be concerned not on city streets.
by dbltrbl
Thu Nov 16, 2017 6:24 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 7728

Re: Where did you first learn about investing?

For the first time used to hear Don MacDonald ( May be different last name) on Business radio network. He mentioned Vanguard group and few others. So I started in 1989-90 putting 37 dollars a month in health care. Biggest lucky break for me. Starting 1994 S & P 500 and than switched over to total st...
by dbltrbl
Thu Nov 16, 2017 3:03 pm
Forum: Personal Investments
Topic: Cashed out Inherited IRA used to justify IRA contribution?
Replies: 20
Views: 1574

Re: Cashed out Inherited IRA used to justify IRA contribution?

He can put upto 18000 in 401k, 403b etc and if the income below limit he can contribute to an IRA as well. In the scenario you described, yes s/he can contribute remainder of 10000 earned income to a traditional or Roth IRA.
by dbltrbl
Thu Nov 16, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 16
Views: 2388

Re: Christmas Vacation on a budget

Look for them in January. :D :D
by dbltrbl
Wed Nov 15, 2017 5:02 am
Forum: Personal Finance (Not Investing)
Topic: What's the point of auto loan pre-approvals?
Replies: 12
Views: 1552

Re: What's the point of auto loan pre-approvals?

Join Pentagon Federal CU and know loan rates up front for a new or used Car. Some times you get a zero or very low rates from the manufacturer as well.
by dbltrbl
Sun Nov 12, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: How to make the most of remitting a large sum in foreign currency?
Replies: 5
Views: 668

Re: How to make the most of remitting a large sum in foreign currency?

Also call, find out http://www.jackfilled.com/index.html. They are out of Canada but specialized in INR transactions. No harm in getting your exchange rate.
by dbltrbl
Sat Nov 11, 2017 9:19 pm
Forum: Personal Investments
Topic: First 401(k)! Need help with fund choices.
Replies: 5
Views: 870

Re: First 401(k)! Need help with fund choices.

With no match, Put money in ROTH IRA and attack 173k of Debt. Get it out of way. If match than put up to maximum match.
by dbltrbl
Fri Nov 10, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 78
Views: 10269

Re: Costco for tires and car insurance?

Costco fine for tires but not for insurance. Ameriprise in my area not even in ball park figure. If Costco too far or always busy for tire servicing, discount tires are fine too. ( Tire Discounters)
by dbltrbl
Thu Nov 09, 2017 11:18 am
Forum: Personal Investments
Topic: IRA for children?
Replies: 3
Views: 447

Re: IRA for children?

Only if your child has legally earned income.
by dbltrbl
Thu Nov 09, 2017 7:08 am
Forum: Personal Investments
Topic: How can I get my kids into Vanguard Primecap
Replies: 12
Views: 2497

Re: How can I get my kids into Vanguard Primecap

Just gift them 50-100 shares. Than they can buy up to 25000 dollars per year. As OP suggested call Vanguard or your representative.
by dbltrbl
Tue Nov 07, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 36426

Re: How old are you and how much do you save for retirement a year

do the best you can. I had ZERO savings at 34. STAY FRUGAL AND NO TRADING OF FUNDS. You will be fine. More you can save now, better in long run.
by dbltrbl
Tue Nov 07, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 7114

Re: Eye Doctor $30 to get your Rx? Is this normal?

Most ophthalmologists charge for refraction extra 30-50 dollars. My insurance covers it but my Dr.'s office charges me and reimburses after my insurance pays for it.I think charge was for refraction not writing a sheet of paper.
by dbltrbl
Sun Nov 05, 2017 5:43 pm
Forum: Personal Investments
Topic: Admiral vs Institutional Plus shares
Replies: 5
Views: 1296

Re: Admiral vs Institutional Plus shares

Leave it at old 401K, as they typically have lower expense ratios than admiral shares. If you are also being charged new 5 dollars a month tax(fees) by Vanguard in that account you may move it to an IRA, admiral shares. Rep was correct it is not a big deal one way or other.
by dbltrbl
Sat Nov 04, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Transferring between terminals at Boston Logan Airport
Replies: 5
Views: 3725

Re: Transferring between terminals at Boston Logan Airport

If she is on one ticket all the way to international destination, no need for her to get the luggage. Just her carry on and purse.