Search found 87 matches

by dickyboy
Fri Nov 08, 2019 3:22 am
Forum: Personal Finance (Not Investing)
Topic: Best month to take RMDs?
Replies: 86
Views: 4617

Re: Best month to take RMDs?

I would take them early in the year so I could have the rest of the year to do Roth conversions. (The RMD must be removed before doing conversions each year.) Im not so sure about that...I did that once...did a conversion prior to taking my rmd and my financial advisor said I was OK with that as lo...
by dickyboy
Sun Oct 20, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Bond Market Outlook
Replies: 8
Views: 1642

Re: Bond Market Outlook

Interest rates have been trending downward, but I did notice that for November the Applicable Federal Rates had a tick down for short-term and a tick up for mid and long-term rates... doesn't mean market rates will move the same way, but interesting to see https://apps.irs.gov/app/picklist/list/fed...
by dickyboy
Sat Sep 21, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Tax form for Seniors.
Replies: 23
Views: 1777

Re: Tax form for Seniors.

This was talked about when the tax law was first passed. I can't understand why it took them so long to produce it. I also wonder how many people still do their taxes by hand - they would be the only ones affected by this as far as I can tell. Maybe it is more than I think. It would have been a bet...
by dickyboy
Sat Sep 21, 2019 10:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 93
Views: 10938

vanguard investment platform

[Thread merged into here, see below. --admin LadyGeek] Anyone else holding out on switching to Vanguard's "new" investment platform...and why. I am, and it's because in the past many times when someone tells me that a change is not going to create an additional hassle for me, that usually turns out...
by dickyboy
Thu Mar 14, 2019 12:54 pm
Forum: Investing - Theory, News & General
Topic: New Brokerage platform
Replies: 10
Views: 1387

New Brokerage platform

Anyone else still holding off on switching to Vanguards new brokerage platform. I have been still holding off as I can envision problems with the transition that they aren't telling about. I'm not crazy about change or the potential hassle that comes along with it.
by dickyboy
Sun Mar 03, 2019 4:08 pm
Forum: Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 72
Views: 8732

Re: simplifying my financial life -- should i get rid of treasury direct?

I closed our TD accounts a few years ago for a few reasons... The TD site is a pain in the posterior. My wife would never want to deal with navigating that site and I am trying to simplify the portfolio against the day I may not be around to handle all of the minutiae and investing decisions. The c...
by dickyboy
Sat Jan 26, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Too early to start on my taxes?
Replies: 45
Views: 3623

Re: Too early to start on my taxes?

I have never gotten a corrected 1099 from Vanguard (although I've got a Mutual Fund account and not a Brokerage account). I plan to file as soon as I have everything and TurboTax allows me to (TurboTax is telling me that Form 8960 is not yet available) - need one more 1099-INT to do so. How can you...
by dickyboy
Mon Dec 24, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Policy F High Deductible
Replies: 9
Views: 1026

Re: Medigap Policy F High Deductible

Hey Spirit Rider...what was your source for this information ?? Thanks
by dickyboy
Thu Nov 22, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Tiny Baby Spiders on my Toaster
Replies: 40
Views: 3372

Re: Tiny Baby Spiders on my Toaster

Those are called Toaster Spiders and are usually found in great numbers but only when the toaster is plugged in. Unplug the toaster for a few days and they will disappear. Good luck.
by dickyboy
Sat Nov 10, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4435

Re: tipping for grocery delivery

TxAg wrote:
Thu Nov 08, 2018 3:11 pm
Tipping is out of control in this country
You are absolutely right. What is wrong with business owners paying their help a decent wage in the first place.
by dickyboy
Sat Nov 10, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 82
Views: 5601

Re: Doing taxes by hand

I generally use tax software to complete my tax forms and file, however, every five years or so I like to do them by hand without software help. My doing so I feel helps me to keep up to date on the "system" of things and how numbers are arrived at. Helps to make better end of year decisions when it...
by dickyboy
Tue Aug 28, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5697

Re: How to repel wild dogs?

Carry a can of wasp and hornet spray...the kind that shoots a stream out about 20 plus feet. I hear it works.
by dickyboy
Fri Jun 08, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 4688

Re: Death - Prediction

I will be leaving nothing to no one That's a double negative - if no one's left with nothing, that means everybody has to get at least something from your estate. :greedy You be correct Walkure...I spotted that double negative from HongKonger too. You be and English major? You certainly be gooder a...
by dickyboy
Sat May 19, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Detached Garage
Replies: 18
Views: 2665

Re: Detached Garage

The slab idea should be fine since it is not going to be an attached building. I would pour about 5 inches thick and a little thicker (7" to 8") for about a foot in all the way around the outside perimeter. Also I'd rod the outside perimeter and rods or wire mesh for the interior of the slab. If it ...
by dickyboy
Tue Apr 03, 2018 11:37 am
Forum: Forum Issues and Administration
Topic: Abbreviations
Replies: 10
Views: 4097

Re: Abbreviations

I hope this is where I post this. I am so confused when people are talking about their significant other and using many abberviations (DH or MIL..etc..) to describe them. Can someone explain what the most commonly used one are so I can understand the posts better? I dont understand why people dont ...
by dickyboy
Mon Mar 26, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 tax reform
Replies: 7
Views: 1197

Re: 2018 tax reform

I live in CA so my state and property taxes are going to taxed with max. of $10,000. So my question I received a large state tax refund against 2016 taxes paid in 2017. Does anyone know if the IRS will consider this as income as it has in the past for 2018? I would guess that the IRS considers this...
by dickyboy
Sat Mar 10, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 66
Views: 6879

Re: Men's Cologne

Caduceus wrote:
Sat Mar 10, 2018 10:37 am
Good Life by Davidoff, if you can still get it. Best cologne in the world. My first boyfriend used to wear it all the time - it's masculine, light but persistent, and incredibly erotic.
Maybe you just liked your first boyfriend better than the rest ????
by dickyboy
Tue Feb 13, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Costco 'Goodyear' wiper blades
Replies: 51
Views: 15578

Re: Costco 'Goodyear' wiper blades

I have a 5 year old vehicle and a 7 year old vehicle, with the original wiper blades on both. They are both still working fine. I would assume they are Motorcraft blades since they are both Ford products.
by dickyboy
Tue Feb 06, 2018 11:42 am
Forum: Personal Investments
Topic: Bonds up
Replies: 1
Views: 499

Re: Bonds up

People cashing out of stocks and buying safer bonds is probably driving the price of bonds up, a supply/demand thing. It will all level out after the dust settles.
by dickyboy
Mon Feb 05, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 90
Views: 10160

Re: Alan Greenspan says there are bubbles in both stocks and bonds

I think he has dementia. I wouldn't listen to a word this person says. He caused the original case of "irrational exuberance". He's just blowing his own horn for his ego @ 91. Mr. Greenspan is starting to look much smarter these last few days isn't he ????? Perhaps he's not the one with dementia !!!
by dickyboy
Fri Feb 02, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Form 8606 (Nondeductible IRAs)
Replies: 63
Views: 10302

Re: IRS Form 8606 (Nondeductible IRAs)

I used Tax Slayer software this year as I always do and they had the "2017" 8606 form available. My taxes are all done and ready to file with the IRS but I haven't done that yet. Perhaps now I should wait a while as Tax Slayer may have jumped the gun with making that 8606 form available. Any thought...
by dickyboy
Tue Jan 09, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 10367

Re: Hot Water Delay at faucet/shower far from water heater

We had a similar situation with a bathroom on the far end of the house. I installed a small (6 gallon) auxiliary water heater in the basement, just below that bathroom, and it works great. I plumbed it myself and the total cost I believe was around $200 give or take. Did that about 3 years ago and ...
by dickyboy
Mon Jan 08, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 10367

Re: Hot Water Delay at faucet/shower far from water heater

We had a similar situation with a bathroom on the far end of the house. I installed a small (6 gallon) auxiliary water heater in the basement, just below that bathroom, and it works great. I plumbed it myself and the total cost I believe was around $200 give or take. Did that about 3 years ago and n...
by dickyboy
Sun Dec 31, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: residential gas furnace/air conditioner recommendations
Replies: 15
Views: 1450

residential gas furnace/air conditioner recommendations

Need to replace an aging natural gas furnace and air conditioner combination sometime this coming year. Kind of thinking about Carrier, Bryant, or Lennox, however I am open to others as well. Anyone have any ideas on good brands or bad brands, please share your thoughts. Thanks much..it can get quit...
by dickyboy
Fri Dec 22, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Income tax software, "Tax Slayer".
Replies: 28
Views: 2697

Income tax software, "Tax Slayer".

Has anyone used the "Tax Slayer" income tax software in past years ?? Opinions please !!
by dickyboy
Sun Jun 25, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage Considerations
Replies: 58
Views: 7684

Re: Reverse Mortgage Considerations

There are three things that I would never do and a reverse mortgage is one of them...the other two are, buy and annuity, and lease a vehicle. Perhaps there are rare situations where those things are advantageous, however I just like the odds to be more in my favor.
by dickyboy
Sun Jun 25, 2017 1:43 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 56
Views: 9937

Re: Your Favorite Vanguard Fund

The Vanguard Healtcare Fund has been VERY VERY good to me over the years. With the advancing age of all the baby boomers, I'm going to keep a good chunk in there regardless of what the government does with regulations.
by dickyboy
Mon Jun 05, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 50
Views: 10021

Re: Anyone use "MyPillow" pillows?

Ok...just OK, but overrated and overpriced.
by dickyboy
Fri May 05, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 309
Views: 63396

Re: What is your favorite consumer product?

Costco rotary chicken !!!
Simplicity riding lawn equipment...
Anything served at a Culvers restaurant, especially the ice cream.
by dickyboy
Thu Apr 13, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Costco for hearing aids
Replies: 6
Views: 930

Costco for hearing aids

Has anyone purchased hearing aids from Costco, and how is the experience with them ?
Any regrets ?
by dickyboy
Mon Apr 10, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 164
Views: 19242

Re: Ordering a Weber grill this week

I've had a Weber Genesis for about 16 years now and it still works fine. I've had to replace the flavor bars twice and the grates once though so it is not completely maintenance free. Also my igniter no longer works but it is easy to light with a little stem lighter which is what I do...guess I'm to...
by dickyboy
Mon Apr 10, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Windows-10 "upgrade" coming April 11. What to disable?
Replies: 25
Views: 3875

Re: Windows-10 "upgrade" coming April 11. What to disable?

I am planning to hold off for a while on this upgrade and will run a full OS image backup prior to letting it install. In Windows 10 the updates are installed automatically...not an option. I guess you can go into the registry though and change the setting. System restore is another option if you d...
by dickyboy
Sun Mar 26, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Anyone replaced a pickup with an SUV?
Replies: 35
Views: 8786

Re: Anyone replaced a pickup with an SUV?

I drove a Ford F150 pickup for many years. Very handy vehicle. A few years back I sold it and bought a Ford Edge, with trailer hitch, and also a small utility trailer. Didn't like hauling gas cans inside the vehicle (the smell) so I also bought a little carrier that mounts to the trailer hitch, for ...
by dickyboy
Wed Mar 15, 2017 9:32 am
Forum: Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 94
Views: 25439

Re: Is the Vanguard Balanced Index Fund all you need?

I have about 1/3 of my retirement funds in the Balanced Index (Roth) and about 2/3 in five other funds in a traditional IRA. I am 75 and every year I convert some of my traditional to Roth. Eventually I plan on having all the funds in the Roth with the Balanced Index fund. I like the 60/40 mix and ...
by dickyboy
Mon Mar 13, 2017 11:01 am
Forum: Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 94
Views: 25439

Re: Is the Vanguard Balanced Index Fund all you need?

I have about 1/3 of my retirement funds in the Balanced Index (Roth) and about 2/3 in five other funds in a traditional IRA. I am 75 and every year I convert some of my traditional to Roth. Eventually I plan on having all the funds in the Roth with the Balanced Index fund. I like the 60/40 mix and t...
by dickyboy
Sun Feb 19, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Anxiety about buying used car
Replies: 50
Views: 5695

Re: Anxiety about buying used car

If you certain about buying "used" rather than "new", why not try to buy one that still has about a year left on the factory warranty. That way you'll have ample time to find any bugaboos it might have, and you can have them corrected under warranty.
by dickyboy
Thu Dec 29, 2016 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help Parents Again?
Replies: 63
Views: 6017

Re: Help Parents Again?

No, no no no. You are not "the bank". If they haven't learned anything about being frugal by age 65, chances are it will never happen. You have your own obligations to consider, and if you enable them, the chances that they ever will be "afloat" are slim to none.
by dickyboy
Mon Nov 28, 2016 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Why does the car dealer say leasing is cheaper than buying?
Replies: 72
Views: 14627

Re: Why does the car dealer say leasing is cheaper than buying?

You know how to tell when a car dealer is lying right? Their mouth is moving... I guarantee anything they are telling you is in their favor not yours... GREAT ADVICE...and good to keep in mind whenever a salesman tells you something is the greatest thing since "sliced bread". Whether it be an annui...
by dickyboy
Wed Nov 23, 2016 12:30 pm
Forum: Personal Investments
Topic: Best strategy for moving investments to cash?
Replies: 10
Views: 2680

Re: Best strategy for moving investments to cash?

I would consider cashing out some now and some after January 1, 2017, to split your gains into two tax years. Proportion the two withdrawals so as to balance out (equalize) your 2016 and 2017 income. You do, however, run the risk that the market could dive between now and January 1 and thereby you'd...
by dickyboy
Wed Nov 16, 2016 9:20 am
Forum: Personal Consumer Issues
Topic: Liver
Replies: 43
Views: 9642

Re: Liver

My life grinds up the liver and them mixes it with ground pork to make patties to fry in bacon grease. Very good and good for you if you don't overdo it.
by dickyboy
Tue Nov 01, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 102
Views: 22067

Re: Costco rotisserie chicken

barnaclebob wrote:Personally I think its insane to buy chickens raised in conditions where a $5 chicken can be profitable (yes I know it might be a loss leader).
Don't knock it....makes up for other times when you get ripped off.
by dickyboy
Sun Oct 30, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Printer/Copier recommendation for home use
Replies: 18
Views: 3040

Printer/Copier recommendation for home use

I need to replace my aging HP copier and am looking at the all-in-one machines that are one the market. There are so many brands and versions that it's mind boggling. Many are on sale now. I really don't need color, however I don't see any out there that only print black and white. I don't care to b...
by dickyboy
Sun Aug 21, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 12155

Re: What is your system for dealing with coins?

My goodness, getting coins are a problem?? This comes off as very silly, almost spoiled rotten, not cool. I'm an avid coin collector, I immediately check all of my change for valuable coins. As for what to do with them, they are a great teaching tool to your children. I have always made it a point ...
by dickyboy
Wed Aug 17, 2016 8:50 am
Forum: Personal Investments
Topic: How can I buy VBIAX [Vanguard Balanced Index Admiral]
Replies: 12
Views: 2981

Re: How can I buy VBIAX [Vanguard Balanced Index Admiral]

Why not buy it directly from Vanguard ???
by dickyboy
Mon Aug 08, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: auto air conditioner recharge
Replies: 15
Views: 2046

auto air conditioner recharge

Anyone ever recharge (DIY) his own auto air conditioner. How difficult to do on 2012 model ?
by dickyboy
Sat Jul 30, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 11251

Re: New Tipping Practice?

Years ago the standard tip in a restaurant was 10%. Then it gradually creeped to 15%, and even 20%, which I never could understand since when tipping a percentage the tip automatically increases with the increase in prices. I'm not a scrooge but this whole tipping thing is getting to be a little muc...
by dickyboy
Thu Jul 21, 2016 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Adopt my Girlfriend???
Replies: 38
Views: 8980

Re: Adopt my Girlfriend???

Why are you trying to "milk" the system ? It is no wonder that SS is going broke.
by dickyboy
Thu Jul 07, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 33694

Re: Costco Tires - Anyone ever frustrated?

Why not rotate your tires yourself...it's a simple job that takes about a half hour...probably less time than it takes to drive to Costco and back.
by dickyboy
Wed Jun 29, 2016 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Loans to Friends
Replies: 73
Views: 5677

Re: Loans to Friends

Stay out of the lending business, that's what banks are for. If the bank doesn't consider him a good credit risk, you shouldn't either. It's your money...don't be afraid to say NO.