Search found 591 matches

by wfrobinette
Mon Feb 05, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: What is the best place to buy pet food online?
Replies: 28
Views: 1986

Re: What is the best place to buy pet food online?

I used to use Chewy. Petsmart purchased them and the pet food brand I used won't sell to the big pet stores so I had to find another supplier. Still buy my pets snacks from them. Darn. I had an offer to work for Chewy about 4 years ago. Turned it down because I thought they wouldn't last. Probably ...
by wfrobinette
Mon Feb 05, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: How to find a job in a different state?
Replies: 31
Views: 2040

Re: How to find a job in a different state?

Mrpotatohead is right, Corporate America is incompetent. They are most horrible at hiring and the process us full of misbegotten ideas. Steel yourself for direct and indirect criticism about your move. You could be moving from Hell to Heaven, People will ask about who you know there, why you're goi...
by wfrobinette
Thu Feb 01, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Newbie
Replies: 17
Views: 1690

Re: Turbo Tax Newbie

Trying to muster up the courage to TT it this year - can someone dummy down how I can punch in my tax info from 2016 (using my return) to confirm that I have the intelligence/ability to do 2017's taxes with minimal headache. I'm lead to believe one can do their 2017 taxes with TT and make the decis...
by wfrobinette
Thu Feb 01, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a job in a different state?
Replies: 31
Views: 2040

Re: How to find a job in a different state?

Mrpotatohead is right, Corporate America is incompetent. They are most horrible at hiring and the process us full of misbegotten ideas. Steel yourself for direct and indirect criticism about your move. You could be moving from Hell to Heaven, People will ask about who you know there, why you're goi...
by wfrobinette
Thu Feb 01, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Low depth elongated toilet?
Replies: 21
Views: 1886

Re: Low depth elongated toilet?

I have a 3 cimarrons in my most recent home(bought years ago and built 10) and I'm contemplating ripping them out and replacing with the Toto. Thanks for the feedback. Would you mind elaborating on why you're dissatisfied with your existing toilets though? Did they clog much more often than expecte...
by wfrobinette
Wed Jan 31, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Direct download of tax forms from Vanguard to Turbo Tax
Replies: 11
Views: 1056

Re: Direct download of tax forms from Vanguard to Turbo Tax

TT was able to import the 1099-R from a traditional to Roth conversion done in a mutual fund account. 1099-R for Vanguard brokerage accounts will (according to TT) be available Feb. 19. All other Vanguard brokerage 1099 forms will (according to TT) be available Feb. 16. But the 1099-R are available...
by wfrobinette
Wed Jan 31, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer- Tips?
Replies: 18
Views: 1635

Re: First time home buyer- Tips?

My #1 tip- Think seriously about basing your home purchase budget not on current cashflow, but on a single income. There are many reason why you might at some point be forced to live on just one income - you might have kids and one of you decides to stay home, you might face a layoff, one of you mi...
by wfrobinette
Wed Jan 31, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Old 1099 for TurboTax
Replies: 7
Views: 427

Re: Old 1099 for TurboTax

A little unclear but sounds like you failed to report sale of securities on 2014 return. Problem is bigger than missed TLH opportunity- you have a matching problem, and sooner or later you'll get a bill from the IRS for the undeclared sale proceeds. Declaring the sale(s) in a different tax year is ...
by wfrobinette
Wed Jan 31, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Low depth elongated toilet?
Replies: 21
Views: 1886

Re: Low depth elongated toilet?

We're planning a complete renovation of our bathroom, and this includes a Kohler Cimarron elongated toilet. Reviews are stellar. This was also the recommendation of a fellow Boglehead who is a professional plumber, and I fully trust the guy. We'll buy it at Home Depot. I have a 3 cimarrons in my mo...
by wfrobinette
Wed Jan 31, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 5536

Re: New car - how much can we afford?

I agree you can afford whatever car you want. However, unless you're driving a Miata, you don't need a bigger car for JUST ONE baby. You can easily have two children and get around in a Civic. Three is where you start to have comfort issues because of child safety seats (you can't realistically put...
by wfrobinette
Wed Jan 31, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 5536

Re: New car - how much can we afford?

A Toyota Sequoia is a lot of car for the money and super-reliable and holds its value. If it's not overly large, I would check it out. Second choice, smaller and also very reliable, is a Nissan Murano. What? a 13 mpg gas guzzler? I'd be worried about cargo space with a Murano and any other CUV part...
by wfrobinette
Wed Jan 31, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 5536

Re: New car - how much can we afford?

I know..standard thread that appears every other day on the board, today is my turn. Me: 29 Girlfriend: 30 We are expecting a baby end of the year and we need a bigger car. Initial thinking is to buy a second- hand car, max 30k miles. How much car can we afford? -Our take home pay is 140k/year. -We...
by wfrobinette
Wed Jan 31, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Frequent Flier Miles 101
Replies: 53
Views: 4514

Re: Frequent Flier Miles 101

If you’re someone who can go with the flow then rewards points are great. If you’re someone that has to travel on exactly X day, to Y location, and stay at Z hotel, you will be less frustrated with cashback. What he said! I've struggled to find flights on several airlines for less than 40k round tr...
by wfrobinette
Wed Jan 31, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Should I Do My Own Taxes Or Pay A CPA $500?
Replies: 64
Views: 5494

Re: Should I Do My Own Taxes Or Pay A CPA $500?

Start Turbotax online and see how it goes. You can complete it, and then pay at the end. 1099s are automatically imported from the major financial institutions like Vanguard; TT asks you about the itemized deductions. Should take about 30 minutes tops to do - and see what you think. Been a turbo ta...
by wfrobinette
Wed Jan 31, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 331
Views: 57226

Re: Retreat to cash

So much for market timing!
by wfrobinette
Tue Jan 30, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing From Charts
Replies: 2
Views: 288

Re: Rebalancing From Charts

Cb442 wrote:
Sat Jan 27, 2018 10:11 am
Interesting article from Market Watch on re-balancing from 50 day and 200 day moving average charts. What do you think?

https://www.marketwatch.com/story/is-no ... 2018-01-26
One data point in the article leads to little credibility.
by wfrobinette
Tue Jan 30, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 331
Views: 57226

Re: Retreat to cash

If frantic day-to-day attention to market movements serves to do anything, it is to convince investors that they cannot afford to miss any short-term rally; that they can't afford to miss the latest utterance from the Fed; that they can't afford to miss the latest “hot play” offered up to the masse...
by wfrobinette
Tue Jan 30, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: 401k & the Stock Market
Replies: 12
Views: 1451

Re: 401k & the Stock Market

Hello Bogleheads, I was wondering the other day, why doesn't the market always go up every other Friday or on a biweekly basis since every time an employee who is enrolled in a 401k plan gets a paycheck, a portion of gross pay goes into 401k mutual fund (stock or bond). I was trying to find a patte...
by wfrobinette
Tue Jan 30, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 6760

Re: Wisdom of Bitcoin

... Your friend is the type of person I find funny...people who have no faith in fiat currencies until they end up with a lot of fiat currency. All of a sudden, fiat isn't so bad to be in. Funny that. There does seem to be paradox there. Assuming he did cash out to legal tender, I wonder if others ...
by wfrobinette
Tue Jan 30, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 6760

Re: Wisdom of Bitcoin

An old friend put thousands of dollars into bitcoin in 2011 and urged me to do the same. He insisted that the government was going to collapse and only bitcoin would withstand the hyperinflation. Instead, I bought VTSMX. My investment has doubled since then... and his investment made him a retired ...
by wfrobinette
Tue Jan 30, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 6760

Re: Wisdom of Bitcoin

An old friend put thousands of dollars into bitcoin in 2011 and urged me to do the same. He insisted that the government was going to collapse and only bitcoin would withstand the hyperinflation. Instead, I bought VTSMX. My investment has doubled since then... and his investment made him a retired ...
by wfrobinette
Tue Jan 30, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: NJ tax question regarding ROTH withdrawal
Replies: 20
Views: 2446

Re: NJ tax question regarding ROTH withdrawal

I apologize I must be thick headed or just not getting it because I interpret the rules as anything other than the below for NJ is a non-qualified distribution. I am under 59.5. So Im thinking for the NJ return I add up all my Roth contributions over the years, the conversion I did in 1998 and use ...
by wfrobinette
Mon Jan 29, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 38
Views: 3127

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

Does anyone use Personal Capital, Mint, Tiller, You Need a Budget, or another tool to budget/track expenses and investments? If so, which one and do you like it? It seems like the free portion of Personal Capital is pretty slick. I'm not sure what to think about giving a third party access to my ac...
by wfrobinette
Mon Jan 29, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Which of these mechanic-recommended services would you pay for?
Replies: 55
Views: 3712

Re: Which of these mechanic-recommended services would you pay for?

Then the OP shouldn't be posting *anything* online. Ever. Pretty much... it's not very fun or very social, but it's very safe. I can only imagine how many lawyers try to get this point across to their clients during proceedings these days. Just by interacting online, you open up the avenue that you...
by wfrobinette
Mon Jan 29, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 2725

Re: what is the best mouse poison?

The Snap-E trap is the best by far. 6 pack for $14 Much more surface area for the trip mechanism and extremely easy to set. In the dozen or so mice I've trapped with them not 1 has tripped without killing a mouse. I used peanut butter for bait. https://www.amazon.com/dp/B004B9XPOO/ref=sxr_rr_xsim_1...
by wfrobinette
Mon Jan 29, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question on Withdrawal of Roth Principal
Replies: 1
Views: 164

Tax Question on Withdrawal of Roth Principal

I am working 2017 taxes. I had a 4k Roth principal withdrawal.

Under 59.5

I received a 1099-R with a code J

Turbo tax is not showing I owe more in Fed tax but is showing I owe more tax in NJ.

Does anyone know how this should have been reported? Should I call Vanguard to correct?
by wfrobinette
Mon Jan 29, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinacing
Replies: 5
Views: 462

Re: Mortgage refinacing

Hello! It was brought up to my attention I should refinance my mortgage in order to get a lower mortgage monthly payment by the time I retire. I'm 50 yrs old, currently employed and only depending on my income. Home was purchased in 2012. Outstanding principal balance $174,639.88 Monthly payment $1...
by wfrobinette
Mon Jan 29, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Overpaying Car Insurance?
Replies: 15
Views: 1018

Re: Overpaying Car Insurance?

I'm reviewing my costs for the year and I noticed that my automobile insurance seems high vs all those who have provided quotes across the internet. I know it is hard to understand since everyone's policy is different, but wanted to get a second set of eyes and opinion on if I should go shopping. M...
by wfrobinette
Mon Jan 29, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Low depth elongated toilet?
Replies: 21
Views: 1886

Re: Low depth elongated toilet?

Toto is not as common in some areas, but they do make some pretty nice toilets. When traveling, I've been keeping track of what brand of toilet the hotels use. Higher end hotels have a lot of Toto toilets installed, although Kohler is also common. I've also seen all three brands at mid-end hotels. ...
by wfrobinette
Mon Jan 29, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Keeping a new BMW shiny!
Replies: 27
Views: 2319

Re: Keeping a new BMW shiny!

Got a new BMW yesterday. Naturally, I want to keep it shiny and clean for as long as possible :happy. While, I will get it detailed for any major cleanup, this is mainly for regular cleanup/maintenance that I can do on my own. What do you use to keep your BMW shiny and clean? Specific product recom...
by wfrobinette
Mon Jan 29, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Blinds & Ability To Repair
Replies: 3
Views: 355

Re: Blinds & Ability To Repair

It sounds like your problem is that the blinds are very big, placing considerable stress on the internal parts. You could go to the Home Depot or whatever and look at the construction. OR you could buy some spare, small and cheap units of the same brand to use for parts. Cellular blinds are usually...
by wfrobinette
Mon Jan 29, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Which of these mechanic-recommended services would you pay for?
Replies: 55
Views: 3712

Re: Which of these mechanic-recommended services would you pay for?

Then the OP shouldn't be posting *anything* online. Ever. Pretty much... it's not very fun or very social, but it's very safe. I can only imagine how many lawyers try to get this point across to their clients during proceedings these days. Just by interacting online, you open up the avenue that you...
by wfrobinette
Mon Jan 29, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Which of these mechanic-recommended services would you pay for?
Replies: 55
Views: 3712

Re: Which of these mechanic-recommended services would you pay for?

In the absence of specific car information - "Read the owner's manual." I drive a 2017 Honda Accord LX sedan (silver with black interior), coming up on 12,000 miles. Nice on the car reference. Vehicle registrations at the block group level can be purchased quite easily. If someone really wanted to ...
by wfrobinette
Fri Jan 26, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: How Long For Mortgage Term?
Replies: 36
Views: 3405

Re: How Long For Mortgage Term?

I have tried to research this topic but it has been difficult to get clear information. Refinancing primary residence. Trying to figure out which loan term would be best. Options are: - 15 yr at 3.25% - 20 yr at 3.75% - 30 yr at 4% I plan on selling within the next 5 yrs. For the 30yr term, the low...
by wfrobinette
Fri Jan 26, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Roth or Backdoor Roth
Replies: 8
Views: 794

Re: Roth or Backdoor Roth

If you convert the whole thing, you'd pay taxes on everything that is converted other than any non-deductible contribution amount. If you convert less than the entire TIRA, then you'll pay taxes on a proportional amount of your conversion. And because of this, some non-deductible basis will remain ...
by wfrobinette
Fri Jan 26, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 2725

Re: what is the best mouse poison?

The Snap-E trap is the best by far. 6 pack for $14 Much more surface area for the trip mechanism and extremely easy to set. In the dozen or so mice I've trapped with them not 1 has tripped without killing a mouse. I used peanut butter for bait. https://www.amazon.com/dp/B004B9XPOO/ref=sxr_rr_xsim_1?...
by wfrobinette
Fri Jan 26, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Board game for 3 year old
Replies: 36
Views: 1671

Re: Board game for 3 year old

Gil Gunderson wrote:
Wed Jan 24, 2018 10:16 pm
Don’t wake daddy
That's a good one. Another variation is don't pop the pig.
by wfrobinette
Fri Jan 26, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Is there some kind of fraud?
Replies: 14
Views: 2833

Re: Is there some kind of fraud?

If you froze your credit how on earth did someone give him credit? It was not give credit, someone added me as authorized user to an existing credit line. It seems accidental, so I'm not as worried about that, but more worried about the discover incident. If all that is needed to get past the secur...
by wfrobinette
Fri Jan 26, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Is there some kind of fraud?
Replies: 14
Views: 2833

Re: Is there some kind of fraud?

Can you check if someone unfroze your credit..... I checked, it's still frozen, and have been so since several months. I'm 100% sure that the unfreeze pin is not compromised since I've not put it in email it other digital format at all. Disclaimer: I am not an Identify Theft Expert, but I think som...
by wfrobinette
Thu Jan 25, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 97
Views: 5969

Re: ID theft and check cashing fraud

This happens a few thousand times a day in the USA. If you think you are going to ask the local police department to assign an investigator to something this small you are mistaken. At which point and in which amount does it become worthy of investigation, in your estimation, and who should make th...
by wfrobinette
Thu Jan 25, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Is there some kind of fraud?
Replies: 14
Views: 2833

Re: Is there some kind of fraud?

Can you check if someone unfroze your credit..... I checked, it's still frozen, and have been so since several months. I'm 100% sure that the unfreeze pin is not compromised since I've not put it in email it other digital format at all. Disclaimer: I am not an Identify Theft Expert, but I think som...
by wfrobinette
Thu Jan 25, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Have you ever found an error on your amazon bill?
Replies: 20
Views: 1630

Re: Have you ever found an error on your amazon bill?

I've never found a true error, but I do find it tedious to match up with my credit card statement. I have found numerous times where what looks like separate charges from the Amazon invoices actually get lumped into a single charge on my credit card. It's also a pain when they split ship on differe...
by wfrobinette
Thu Jan 25, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Pizza delivery asked for security code on my credit card with order
Replies: 50
Views: 5140

Re: Pizza delivery asked for security code on my credit card with order

OP here. Thanks everyone for the quick replies. When I saw Livesoft's reply, I cancelled the card, which took about 10 minutes. After reading the other replies, I probably cancelled the card out of an abundance of caution, but I'd rather get ahead of this than wake up in the morning and find that s...
by wfrobinette
Thu Jan 25, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Shiny spots on ceiling - what could they be?
Replies: 14
Views: 1281

Re: Shiny spots on ceiling - what could they be?

soccerrules wrote:
Thu Jan 25, 2018 2:34 pm
could the touch up paint be a high gloss finish and your old paint be sheen (less glossy) or matte ?
That's my thought. Ceiling paint is a different different sheen than wall paint. It's almost always flat/matte.
by wfrobinette
Mon Jan 15, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Consulting side gig while at mega corp
Replies: 25
Views: 2242

Re: Consulting side gig while at mega corp

cheesepep wrote:
Sat Jan 13, 2018 9:45 am
No need to tell them unless you work for a competitive doing the same thing you do now or your company does. At least that is what I would do.
Some companies have a specific no moonlighting clause if you are in certain roles.
by wfrobinette
Mon Jan 15, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - value to insure?
Replies: 23
Views: 2673

Re: Homeowners Insurance - value to insure?

I have been with State Farm for a long time. They kept creeping up the insured value and I wasn't really paying attention. A couple years I was like really? My house will cost 750k to rebuild? I bought it for 800k 10 yrs prior and it is a normal 4 bedroom single family home. It started out with an ...
by wfrobinette
Mon Jan 15, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - value to insure?
Replies: 23
Views: 2673

Re: Homeowners Insurance - value to insure?

I reviewed the coverage with my State Farm agent and they ran a "replacement cost" online calculator for the "middle" quality range for houses in this area of our 2 story 1 1/2 bath house of our square footage. The calculator came up with $249,000 vs. the billed $324,400. So, I lowered the insured ...
by wfrobinette
Mon Jan 15, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: New Year... new retirement plan at workplace
Replies: 6
Views: 682

Re: New Year... new retirement plan at workplace

81% Vanguard 500 Index Fund or (VIIIX)
19% Vanguard Extended Market Index Fund (VEXMX)

replicates TSM
https://www.bogleheads.org/wiki/Approxi ... ock_market
by wfrobinette
Mon Jan 15, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: W2 Vs Last Pay Stub
Replies: 6
Views: 1162

Re: W2 Vs Last Pay Stub

I don't like putting place holders in the tax software. It leaves you open to errors by forgetting to go back and change something that is marked complete. That is so true. That''s why I have a separate file (tax return) saved as "2017Estimate" and my real tax return in another file. Not a bad idea...
by wfrobinette
Mon Jan 15, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 115
Views: 9517

Re: Best 401k Employer Match Structure

I am setting up a 401k for my employees. I am looking for an employer match structure that would be well-received by employees. New hires will generally receive offers with compensation between $120,000 and $140,000 per year and can expect increases of 5% to 10% per year. Obviously the "the sky is ...