Search found 3024 matches

by tomd37
Fri Aug 23, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Honda CRV, Accord, or Toyota RAV?
Replies: 25
Views: 1726

Re: Honda CRV, Accord, or Toyota RAV?

One-half second does not make a difference to me at 82 years of age. :wink:
by tomd37
Fri Aug 23, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: Honda CRV, Accord, or Toyota RAV?
Replies: 25
Views: 1726

Re: Honda CRV, Accord, or Toyota RAV?

IowaFarmWife - I am same age as your mother and was in the market for a new SUV/Crossover. Based on a special article comments in the April 2018 issue of Consumer Reports magazine concerning best cars for seniors, I started looking at the Subaru Forester and Outback as a replacement for my 4-cyl, 20...
by tomd37
Fri Aug 23, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Should I skip scheduled car maintenance?
Replies: 26
Views: 1770

Re: Should I skip scheduled car maintenance?

Wubdemil - My wife's car was a 2001 ES300 that she had until 2017 when she traded in for a 2017 ES350. I followed the owners maintenance manual for the timing of services. But when it did go back to the dealer for service, instead of telling them to due the 10K service, I would tell them specificall...
by tomd37
Thu Aug 22, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 122
Views: 7819

Re: Ponder this, BH's... is Ben & Jerry's worth it?

After watching this post and reading all the replies, I happened to be at Publix Supermarket today and noticed that Tillamook ice cream was on sale this week for half price ($3.25 for1.75 qt.) so I purchased the Mudslide flavor. It is absolutely great and my next purchase will be the Talenti Gelato ...
by tomd37
Tue Aug 20, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on USAA for checking? Insurance? Banking in general?
Replies: 40
Views: 1887

Re: What are your thoughts on USAA for checking? Insurance? Banking in general?

Gardener - Based on what you have posted, you will do much better at the Navy Federal Credit Union (NFCU) for banking, checking, and savings compared with USAA. I have been a member of both USAA (for insurances) and NFCU (for banking) since 1961 and NFCU is far better in my opinion. I must state the...
by tomd37
Thu Aug 15, 2019 7:22 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 96
Views: 8479

Re: Personal Flagship Representaive Going Away

My account rep's name appears on the lower right side of the page indicated by Big Dog.
by tomd37
Wed Aug 14, 2019 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: $34 per year to reduce auto deductible by $500
Replies: 31
Views: 2348

Re: $34 per year to reduce auto deductible by $500

Jeffy - Will the reduced deductible collision coverage have any impact on any umbrella insurance you might have? I don't know if there is any relationship there. Speaking of a windshield and its replacement, my wife was driving on the local interstate last month and a vehicle kicked up a small stone...
by tomd37
Tue Aug 13, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Limits of HOA power - public streets
Replies: 25
Views: 1928

Re: Limits of HOA power - public streets

Your post and questions is very vague to me, but maybe others will understand what you are asking. If not, you will have to be more specific with details.
by tomd37
Mon Aug 12, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 2703

Re: Checking credit card statements

tc101 - I have been using credit cards for more than fifty years now. I used to keep all receipts and verify the monthly statement against those receipts. I charge virtually everything to one of my two main cards. All three of my cards allow me to set a purchase dollar amount ($10 in my case) above ...
by tomd37
Sun Aug 11, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: How should my Spouse and I handle a $300,000 Settlement?
Replies: 119
Views: 6879

Re: How should my Spouse and I handle a $300,000 Settlement?

One big question comes to mind for which I do not have the answer - Is this settlement amount considered taxable income and can anyone cite an IRS publication reference :?:
by tomd37
Tue Aug 06, 2019 1:42 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 96
Views: 8479

Re: Personal Flagship Representaive Going Away

Just called Vanguard, my Flagship rep was not available, and the person that answered would not admit to any upcoming changes Put me on hold for a few minutes and still came back with the same answer. I am sure its going to happen but they would admit to it right now. She seemed surprised when I tol...
by tomd37
Tue Aug 06, 2019 8:32 am
Forum: Investing - Theory, News & General
Topic: Andrews Federal Credit Union is now offering 3.45% CDs w/84 month term
Replies: 6
Views: 970

Re: Andrews Federal Credit Union is now offering 3.45% CDs w/84 month term

Not being interested in the longer term certificate mentioned, I like the current Navy Federal Credit Union 18-month certificate at 3.0% APY better. Membership at NFCU may be a problem for some people, but their membership eligibility has grown significantly since my joining in 1961. :moneybag
by tomd37
Mon Aug 05, 2019 7:55 am
Forum: Personal Investments
Topic: Best CD Rates?
Replies: 19
Views: 2928

Re: Best CD Rates?

Agree with the statement "if you can qualify" regarding NFCU, but they recently also offered a 3.0% APY 18-month certificate. :moneybag
by tomd37
Sun Aug 04, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Anybody purchase 2017-2019 Honda CRV?
Replies: 10
Views: 924

Re: Anybody purchase 2017-2019 Honda CRV?

Socrates - If your wife has a 2018 Subaru Forester you know full well why they are rated very highly for outward visibility (Consumer Reports Annual Auto Edition, April 2018 ). I was in the market for a new vehicle to replace my 2010 Toyota Venza with the 4-cyl engine. Two weeks ago, after comparing...
by tomd37
Sat Aug 03, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Help me choose my next Boglecar!
Replies: 52
Views: 3169

Re: Help me choose my next Boglecar!

Natsdoc - Two weeks ago today I purchased a 2019 Subaru Outback 3.6R in the Touring trim line. For a couple of weeks I went back and forth between it and the 2019 Forester in the Touring trim line. If you are seriously considering the Outback there are lots of discounts from MSRP available if the de...
by tomd37
Thu Aug 01, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7132

Re: Do you buy the highest trim car ?

Artful Dodger - Congratulations on the purchase of your 2019 Subaru Forester Touring trim line model. :sharebeer We just purchased a 2019 Subaru Outback trim line model with the 3.6R BOXER engine twelve days ago. I hope you will be a pleased with your Forester as we are with the Outback. It is our f...
by tomd37
Wed Jul 31, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 34
Views: 4363

Re: Another NFCU CD deal [Navy Federal Credit Union]

Took advantage of NFCUs 3% APY 18-month certificate this morning for $10K. It was announced on July 29th. :moneybag
by tomd37
Tue Jul 30, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7132

Re: Do you buy the highest trim car ?

With all the discussion of leather in this post, what is "Nappa" leather that the Subaru Outback touring model is going to have on their 2020 model and how does it differ from the leather on the 2019 touring model? :?
by tomd37
Mon Jul 29, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7132

Re: Do you buy the highest trim car ?

Regarding leaking sunroofs - I had a 2001 vehicle for sixteen years with no leaking issues. Just sold a 2010 vehicle this past weekend with no leaking issues. I am not convinced sunroofs have a leaking issue.
by tomd37
Mon Jul 29, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 7132

Re: Do you buy the highest trim car ?

I usually keep a car for at least ten years and just upgraded a week ago to a new 2019 Subaru Outback 3.6R in their highest trim line "Touring" model. I wanted to take advantage of the safety features on the new cars that my 2010 model year vehicle did not have plus much better all around visibility...
by tomd37
Fri Jul 26, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs, QCDs, Federal Taxes & Deductions
Replies: 1
Views: 295

RMDs, QCDs, Federal Taxes & Deductions

With the 2018 changes in federal tax law regarding itemized and standard deductions, now might be a good time for taxpayers taking required minimum distributions (RMD) to think about the increase in standard deduction as it relates to their 2019 federal tax return they will submit in April 2020. As ...
by tomd37
Fri Jul 26, 2019 8:27 am
Forum: Personal Investments
Topic: Withdrawals During Retirement - Yearly, Quarterly, Monthly?
Replies: 51
Views: 7105

Re: Withdrawals During Retirement - Yearly, Quarterly, Monthly?

I withdraw once a year. I do my Qualified Charitable Distributions first and then later I do my one final Required Minimum Distribution. At the time of my RMD I have made a final determination of how much federal tax to withhold to satisfy my federal income tax.
by tomd37
Thu Jul 25, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Does your bank charge fees for personal ACH transfers to other banks?
Replies: 32
Views: 1644

Re: Does your bank charge fees for personal ACH transfers to other banks?

I have banked with Navy Federal CU since 1961 and have never paid a fee to transfer money to another financial institution. That said, a year ago I established an online account with Synchrony Bank out of Atlanta and have moved money back and forth by both "pushing" and "pulling" methods with no cha...
by tomd37
Wed Jul 24, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Owners of RECENT Speed Queen washers ONLY
Replies: 13
Views: 1841

Re: Owners of RECENT Speed Queen washers ONLY

What was the difference(s) between the pre 2018 and the 2018 and post models? I seem to remember a posting in 2018 that had something to do with the new top-load washing action and not being as good as the 2017s and older. Does anyone know the specifics of the changes and what they are going back to...
by tomd37
Mon Jul 22, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 45
Views: 4248

Re: New Subaru Outback Engine Offering for 2020

OP here and back again - Purchased a 2019 Subaru Outback Touring trim with 3.6R engine on Saturday. Poster 'Shiftleft' hit the price offering right on the head with a $7,200 discount off MSRP. Even got them to totally take off the $$$ for the dealer "add-on" items (e.g. pin stripes, nitrogen in tire...
by tomd37
Fri Jul 19, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 45
Views: 4248

Re: New Subaru Outback Engine Offering for 2020

@Shiftleft - You mention dealers in your area offering $7200 off MSRP. Is that off the base MRSP plus delivery or is it $7200 off the MSRP that might include Subaru Packages and added dealer items? I will be talking with my dealer on Saturday morning.
by tomd37
Mon Jul 15, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: New car?
Replies: 49
Views: 4796

Re: New car?

Not a darn thing. Don't know why I picked up your name. Sorry. :confused
by tomd37
Mon Jul 15, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 45
Views: 4248

Re: New Subaru Outback Engine Offering for 2020

I too was looking more colors, but the 2020 "Touring" only has one new color Magnetite Gray Metallic. :annoyed Ventilated seats would be nice here in the south, more so than the heated seats that go along with the ventilated seats.
by tomd37
Mon Jul 15, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 45
Views: 4248

New Subaru Outback Engine Offering for 2020

Subaru is introducing a new engine for its 2020 Outback line. For model years 2019 and prior they have offered a 3.6 liter BOXER engine. For model year 2020 the 3.6 engine has been discontinued and in its place Subaru is offering a 2.4 liter turbocharged engine. The new engine was standard in the ne...
by tomd37
Sat Jul 13, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 40
Views: 2701

Re: Standard Car Key Battery Life for Late Model Vehicles

The battery in the extra key fob for my 2010 Toyota Venza died just last week. I virtually never use this key fob. But on the other hand, the battery in the daily used fob died last month, so it appears a timing issue and not a use issue. This was the first time for each to go out. I replaced each b...
by tomd37
Sat Jul 13, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Donations from IRA
Replies: 4
Views: 301

Re: Charitable Donations from IRA

New Retiree - Please ensure, as noted by poster Flobes, that you have actually reached the age of 70.5 at the time you do the Qualified Charitable Distribution (QCD) and that it is only available as a distribution from a traditional IRA and not a 401b or similar retirement plan. I have been doing QC...
by tomd37
Wed Jul 10, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 34
Views: 4363

Re: Another NFCU CD deal

It is offered only on the five-year certificate.
by tomd37
Wed Jul 10, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 34
Views: 4363

Re: Another NFCU CD deal

Membership eligibility? Why not find out for yourself rather than asking others? :oops: Search the subject "NFCU Membership Eligibility" and you will get the answer straight from NFCU. Don't depend on information from others that may not be correct. I've been a member for fifty-eight years. They are...
by tomd37
Tue Jul 09, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Volunteer suggestions
Replies: 55
Views: 2830

Re: Volunteer suggestions

I retired in 2002 at the age of 65. After a year of completing 'honey-do things' around the home my wife said that I needed "to find a volunteer job." I found a 'job" at the Second Harvest Food Bank and volunteered there for five years sorting food products. During that time I discovered the AARP Fo...
by tomd37
Fri Jul 05, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 14152

Re: No more print Money magazine

Update to my previous post. I also subscribe to Kiplinger's Personal Finance magazine and received the August 2019 issue in today's mail. It had a special mailing cover on it indicating that, as a subscriber to Money Magazine, arrangements have been made between Money and Kiplinger's for me to recei...
by tomd37
Thu Jul 04, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing my wife for financial life without me.
Replies: 95
Views: 11074

Re: Preparing my wife for financial life without me.

Trueblueky - Sorry for my misunderstanding. I do a lot of federal tax returns and I tend to automatically think in terms of tax returns. Other people sometimes have their own meanings for certain terms and I failed to recognize that. Now that it has been mentioned, I have previously seen reference t...
by tomd37
Thu Jul 04, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing my wife for financial life without me.
Replies: 95
Views: 11074

Re: Preparing my wife for financial life without me.

"Required Beginning Date" representing the date for the first required minimum distribution from a traditional IRA after the participant reaches age 70.5. RBD would be April 1st of the year following the year the participant reaches age 70.5. Could result in two RMDs for that year and possibly resul...
by tomd37
Sun Jun 30, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Intentional Divorce to avoid Marriage Penalties in tax code?
Replies: 54
Views: 5028

Re: Intentional Divorce to avoid Marriage Penalties in tax code?

How often we see these HOH filings with children legally split between father and mother in TCE and VITA!
by tomd37
Sun Jun 30, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Intentional Divorce to avoid Marriage Penalties in tax code?
Replies: 54
Views: 5028

Re: Intentional Divorce to avoid Marriage Penalties in tax code?

Being married, you only have two federal tax filing status, either married filing joint or married filing separate. There a limitations imposed using the MFS status that can easily be looked up if not already known. Neither of you can use the single filing status on a federal return if married on th...
by tomd37
Sat Jun 29, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 126
Views: 24682

Re: The Fall of Consumer Reports

CR is headquartered in Yonkers, NY which is about as close to the NYC line as you are going to get.
by tomd37
Sat Jun 29, 2019 6:04 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEAD CONTEST -- Semi-Annual Report
Replies: 13
Views: 1167

Re: 2019 BOGLEHEAD CONTEST -- Semi-Annual Report

How does a participant find themselves in the list? :? I don't see a search ability based on username. :
by tomd37
Fri Jun 28, 2019 6:21 pm
Forum: Investing - Theory, News & General
Topic: What do you hold in your IRA and Why?
Replies: 48
Views: 3522

Re: What do you hold in your IRA and Why?

At an average age of 83, we hold just two funds in our portfolio. The portfolio is 95% traditional IRA and a 5% taxable investment account and consists of only Vanguard Total Stock Market Index (VTSAX) and Vanguard Total Bond Market Index (VBTLX) in a 40/60 stock/bond ratio. I/we want it as simple a...
by tomd37
Mon Jun 24, 2019 5:05 pm
Forum: Investing - Theory, News & General
Topic: Investment Horizon
Replies: 5
Views: 648

Investment Horizon

I often see reference to the term "Investment Horizon". For someone in the accumulation stages of life my understanding is that your investment horizon is the period of time until you reach retirement age. So if you are 40 and you plan on retirement at 65, you have an investment horizon of 25 years....
by tomd37
Fri Jun 21, 2019 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 40
Views: 2843

Re: Ally or Synchrony or other for savings?

As already mentioned, they are both good. I use Synchrony for both my one-year CD ladder (one CD maturing each month) and their high-yield savings account. :moneybag To fund the HY account I pull vs. push from my Navy Federal CU account via ACH in any amount I want. Funding is available on the third...
by tomd37
Mon Jun 17, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Doing Your Own Taxes
Replies: 36
Views: 3452

Re: Doing Your Own Taxes

A number of good recommendations have been made thus far, but we have not heard back from the OP (Tiny Tim) regarding some of his/her specifics. The OP may be of sufficient age and unable to do his/her own return. Or the OP may have complicated types of income or expenses. That's why I suggested the...
by tomd37
Sun Jun 16, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Doing Your Own Taxes
Replies: 36
Views: 3452

Re: Doing Your Own Taxes

TinyTim It might help if we knew more about your personal situation such as age(s), filing status, any dependents, types of income and documents income is reported on, types of deductions to be considered if you were to itemize, etc. Might you consider free tax preparation services (e.g. AARP Tax-Ai...
by tomd37
Sun Jun 16, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Alternative to US Postal (USPS) for Mail Delivery of Checks
Replies: 7
Views: 527

Re: Alternative to US Postal (USPS) for Mail Delivery of Checks

Here's a story about undelivered and/or late mail. We live in TN and since 1995 our daughter has lived in a coastal NC city. For about ten years our mail sent to her was very late or non-existent in delivery. It got so bad that I finally initiated a letter to the Postmaster General in Washington, DC...
by tomd37
Sat Jun 15, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 40
Views: 2843

Re: Experience with Synchrony savings accounts?

PTGuy1 I started with Synchrony Bank online eleven months ago. I wanted to establish a one-year CD ladder each month and at the end of this month will have a ladder built with a certificate expiring each month. I plan on reinvesting it each month if not needed for any requirement. I also have a high...