Search found 787 matches

by jeff1949
Sat Jul 04, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Risk with a malfunctioned fuel gauge
Replies: 51
Views: 2044

Re: Risk with a malfunctioned fuel gauge

Sometimes an erratic fuel level sending unit (likely the problem) can be caused by sulfur deposits built up on the unit over some years. And, sometimes that issue can be fixed partially or even completely by adding the right thing to the gas tank. I say this as one who is generally loathe to use an...
by jeff1949
Sun Jun 28, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: How do you avoid being lazy with 3-fund portfolio?
Replies: 36
Views: 3680

Re: How do you avoid being lazy with 3-fund portfolio?

I use this forum as a filter as to what might be important news for me. It's not a perfect filter but a pretty good one I feel. Lazy is usually good when it comes to your investments once you have constructed good plan.
by jeff1949
Sat Jun 27, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: Replace keyless remote for 2007 Avalon
Replies: 7
Views: 587

Re: Replace keyless remote for 2007 Avalon

I have used a BatteriesPlus store for this and have been happy. Charge should be around $105:

https://www.batteriesplus.com/productdetails/fob11092
by jeff1949
Mon Jun 22, 2020 11:29 am
Forum: US Chapters
Topic: Happy Birthday Mel Lindauer - 6/22/2020
Replies: 58
Views: 2815

Re: Happy Birthday Mel Lindauer - 6/22/2020

Happy Birthday, Mel......my I-Bond hero!

:sharebeer :sharebeer
by jeff1949
Sun Jun 14, 2020 3:22 pm
Forum: Personal Investments
Topic: Where put cash for 96-year-old folks?
Replies: 17
Views: 2197

Re: Where put cash for 96-year-old folks?

I would go No Penalty CDs at either Ally or Marcus Goldman Sachs. But hurry as rates are dropping every day. I fear that HY will drop as well so lock in a meager rate with the NP CDs.
by jeff1949
Sun Jun 14, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: Slide-in pickup campers
Replies: 33
Views: 2260

Re: Slide-in pickup campers

We just sold our Lance camper 4 days ago. I got too old to comfortably crawl out of the over the cab bed when nature called in the middle of the night. My camper was the largest one that Lance build in the year 2000 which was a Model 1140. I already had a 2000 Ford F-250 diesel truck which needed ti...
by jeff1949
Sat Jun 13, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I borrow money for a new car?
Replies: 36
Views: 2859

Re: Should I borrow money for a new car?

Not what you asked, but Look at the reliability ratings for the Pacifica (or any other product from FCA) before you even consider it. And it will be the first year of a redesign. I generally think the caution on newly redesigned models is overstated, but I would stay far, far, far away from the Pac...
by jeff1949
Fri Jun 12, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: DIY Fluoride Varnish Application
Replies: 14
Views: 801

Re: DIY Fluoride Varnish Application

My dentist recommends Clinpro 5000 which is a 1.1% (or 5000 ppm) toothpaste. He charges $11.00 for one 4 oz. tube lasts about 6 months for me.
by jeff1949
Sun May 31, 2020 10:45 am
Forum: Personal Investments
Topic: Planning for after death of a parent
Replies: 18
Views: 2309

Re: Planning for after death of a parent

Is there any real estate involved? Registered vehicles?
by jeff1949
Fri May 29, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 63
Views: 4715

Re: Car Issues - No Oil

We have a 2006 Volvo S40. It has drunk oil for at least 10 years, so we're always putting oil in it. Well, we're driving a whole lot less in the last 2 months, and it's been 100 degrees, and DH apparently forgot to keep tabs on the oil -- he drove off tonight and the car died after a block (he didn...
by jeff1949
Sat May 23, 2020 10:04 am
Forum: Personal Consumer Issues
Topic: Mattress for Side Sleepers
Replies: 8
Views: 606

Re: Mattress for Side Sleepers

We have a novaform from Costco and are side and back sleepers. Comfortable, affordable, comes rolled up to your door with a return policy. I just checked Costco.com and they have at least 5 different Novaform beds ranging from 10" to 14" and some have gel and some don't. Too many choices! :oops:
by jeff1949
Thu May 21, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 108
Views: 13138

Re: Capital One 360 Savings Promo

Another options is to fund the account by initiating the transfer from the source such as Ally, Chase, Fidelity, BofA, etc. Sometimes these funding sources do not require a trial deposit and that should be much faster.
by jeff1949
Thu May 21, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 108
Views: 13138

Re: Capital One 360 Savings Promo

BTW, I see that the SCORE500 offer has now been extended to June 10th.

https://www.capitalone.com/score500/
by jeff1949
Tue May 05, 2020 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Title guy when buying a house
Replies: 17
Views: 1433

Re: Title guy when buying a house

I was watching a video with a real estate guy and one of his tips for buying house is to make sure you have a good title guy. What does this even mean? How do I find a title guy? In my experience here in Oregon it is usually a "Title Gal". But yes, they mean an individual at a Title Company that kn...
by jeff1949
Sun May 03, 2020 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Closing Chase Bank Account
Replies: 11
Views: 1538

Re: Closing Chase Bank Account

I do it every year after I get the bonus and minimum holding period is met. It's very easy and straightforward: 1. ACH all money out of Chase. 2. Send secure message to close the account. Works every time, 1 or 2 business days. Just make sure you do it in the same billing cycle to avoid any (potent...
by jeff1949
Sun May 03, 2020 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Online bill pay service with Citi Double Cash
Replies: 13
Views: 979

Re: Online bill pay service with Citi Double Cash

I'm interested in paying the bulk of my bills with a Citi Double Cash rewards card for the 2% cash back (and paying off card every month, of course). However, I'd like a single (and free) online platform to do this without having to jump around to each vendor's website. I currently do this through ...
by jeff1949
Thu Apr 23, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Question About Chase $1000 Bonus
Replies: 11
Views: 1165

Re: Question About Chase $1000 Bonus

After I received the bonus I downgraded the checking account to a "Total Checking" account which only requires a $1500 balance to avoid fees. For me this was fine (this was actually a preexisting account that I upgraded for the purposes of the bonus so downgrading it restored it to its original con...
by jeff1949
Mon Apr 20, 2020 4:44 pm
Forum: Personal Investments
Topic: Share your experience if you timed the market
Replies: 38
Views: 2383

Re: Share your experience if you timed the market

I sold about $90k of VTSAX in late January because I had room for 0% tax on realized capital gains in my tax bracket and wanted to harvest that. I sold at about $80 per share. When the market took a nose dive in March I bought about $30k of it back at about $52 per share. I did not mean to market ti...
by jeff1949
Sat Apr 18, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus, get my payment? On the way, now. Why USPS.
Replies: 25
Views: 2980

Re: Stimulus, get my payment? On the way, now. Why USPS.

We have been receiving Social Security for 4 years now and the message we get is this:

Payment Status Not Available
According to information that we have on file, we cannot determine your eligibility for a payment at this time.


WTH?
by jeff1949
Mon Apr 13, 2020 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can I fund Ally CDs directly from Vanguard brokerage Money market
Replies: 17
Views: 1356

Re: Can I fund Ally CDs directly from Vanguard brokerage Money market

You would need an additional step. For example you could transfer funds from the Vanguard MMF to an Ally Savings acct. or Ally MMF and then use the funds to purchase an Ally CD.
by jeff1949
Mon Apr 13, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: Raised Garden Beds - Building Material
Replies: 40
Views: 2006

Re: Raised Garden Beds - Building Material

Here is another vote for concrete blocks. I was lucky to find a manufacturing plant that would sell me blemished seconds for about 75% off retail.
by jeff1949
Sun Apr 12, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?
Replies: 31
Views: 2706

Re: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?

I'd like to offer a third alternative. Negotiate between several dealers for the lowest "out the door" price by email. It depends on the brand and model but you should be able to get at least 15% of MSRP that way. I recently used this method and got a $45k MSRP Toyota for $37k. You can do this beca...
by jeff1949
Sun Apr 12, 2020 11:09 am
Forum: Personal Finance (Not Investing)
Topic: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?
Replies: 31
Views: 2706

Re: New Car $30K 0%/5 years or Pay Cash but get $750 cash rebate?

I'd like to offer a third alternative. Negotiate between several dealers for the lowest "out the door" price by email. It depends on the brand and model but you should be able to get at least 15% of MSRP that way. I recently used this method and got a $45k MSRP Toyota for $37k. You can do this becau...
by jeff1949
Thu Apr 09, 2020 10:36 am
Forum: Personal Investments
Topic: Can Real estate profits offset stock losses ?
Replies: 8
Views: 608

Re: Can Real estate profits offset stock losses ?

If the real estate profits can be reported as capital gains then the answer would be "yes".

Edit: You would have to sell the stocks and realize a loss of course.
by jeff1949
Mon Apr 06, 2020 5:14 pm
Forum: Personal Investments
Topic: Is there any negative to me taking spousal benefits from Social Security?
Replies: 15
Views: 951

Re: Is there any negative to me taking spousal benefits from Social Security?

I started my spousal benefits when my wife turned 62 and I was 66 plus one month. We are now 66 & 70 and it worked out great for us!
by jeff1949
Mon Apr 06, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: Removing/Preventing Moss From Pavers
Replies: 15
Views: 1090

Re: Removing/Preventing Moss From Pavers

MikeWillRetire wrote:
Mon Apr 06, 2020 9:30 am
Try "Wet & Forget".
I use it on my brick patio.
+1

Good product but you must be very patient as it could take many weeks before you see results.
by jeff1949
Tue Mar 31, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: "Take Care When Approaching Beaten-Down Parts of the Market"
Replies: 9
Views: 1106

Re: "Take Care When Approaching Beaten-Down Parts of the Market"

rascott wrote:
Tue Mar 31, 2020 1:29 pm
I'm curious if other SCV holders are rebalancing into this weakness.... or just letting their tilt shrink.
My allocation calls for 20% SCV +/- 5% and it is now down to about 16% so it is getting close to time to rebalance.
by jeff1949
Sun Mar 29, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: black stain on concrete: mold or hazard?
Replies: 16
Views: 1123

Re: black stain on concrete: mold or hazard?

Sounds like mold. Pressure washing should work. Another approach is "Wet&Forget" https://www.homedepot.com/p/Wet-Forget-1-gal-Moss-Mold-Mildew-and-Algae-Stain-Remover-800006/203247154 I used it for mold on my siding and it worked very well. You just spray it on and let the rain wash it away the nex...
by jeff1949
Wed Mar 25, 2020 4:24 pm
Forum: Personal Investments
Topic: Rick Ferri says to put aside something for "Bingo Money"
Replies: 76
Views: 9257

Re: Rick Ferri says to put aside something for "Bingo Money"

We haven't bought any single company stocks since about year 2001 when we lost a big chunk with ENRON. That is until the wife (who has never shown any interest in investing whatsoever) said we should buy some Carnival Cruise Lines stock because she happened to see it was tanking. I had just opened a...
by jeff1949
Fri Feb 28, 2020 11:48 am
Forum: Personal Investments
Topic: changing allocation strategy following downturn???
Replies: 8
Views: 635

Re: changing allocation strategy following downturn???

I have been toying with the exact same percentages and thoughts you have. I have some dry powder with two large CDs maturing this week and next.

The only difference is that I am already retired. Stay tuned!
by jeff1949
Wed Feb 19, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Bank signup bonus Question
Replies: 10
Views: 739

Re: Bank signup bonus Question

If you have a Citibank online account there is a page where you are supposed to be able to download tax documents. Since I closed my accounts soon after receiving my bonus my access has been limited and trying to download my tax statements has not worked for me however. Yes I too haven’t been able ...
by jeff1949
Wed Feb 19, 2020 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Bank signup bonus Question
Replies: 10
Views: 739

Re: Bank signup bonus Question

I too have been waiting for my 1099-INT from Citibank as well. My checking account bonus was for exactly $600 which I received in December. I did however receive a 1099-INT for a small amount of interest ($16.66) on my savings account at Citibank which was linked to my checking account. So my total ...
by jeff1949
Sun Feb 16, 2020 6:30 pm
Forum: Investing - Theory, News & General
Topic: At what age did you begin adding bonds?
Replies: 138
Views: 7544

Re: At what age did you begin adding bonds?

I did not add bonds until I was 51 and then it was only I-Bonds.
by jeff1949
Sat Feb 01, 2020 1:28 pm
Forum: Personal Investments
Topic: My Sis is going to Ray James, is this fee right?
Replies: 94
Views: 7025

Re: My Sis is going to Ray James, is this fee right?

Give her a link to this conversation. Yikes!
by jeff1949
Sat Jan 25, 2020 12:54 pm
Forum: Personal Investments
Topic: The nuts and bolts of drawing income
Replies: 15
Views: 1533

Re: The nuts and bolts of drawing income

OK, in my brain I thought that those distributions were taxable, as if I was selling shares. Duh. I have been seeing my capital gains reinvested in my 401k for all these years, but didn't make the connection for retirement. Thanks! In general ALL of your distributions from a TIRA will be taxable as...
by jeff1949
Sat Jan 25, 2020 12:24 pm
Forum: Personal Investments
Topic: The nuts and bolts of drawing income
Replies: 15
Views: 1533

Re: The nuts and bolts of drawing income

OK, in my brain I thought that those distributions were taxable, as if I was selling shares. Duh. I have been seeing my capital gains reinvested in my 401k for all these years, but didn't make the connection for retirement. Thanks! In general ALL of your distributions from a TIRA will be taxable as...
by jeff1949
Thu Jan 23, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: HRBlock software seems buggy
Replies: 15
Views: 1757

Re: HHBlock software seems buggy

I see that they have an update coming tomorrow (Friday) so maybe there is a fix?
by jeff1949
Thu Jan 16, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: cheap-o rental car chains
Replies: 46
Views: 3100

Re: cheap-o rental car chains

I've dealt with Payless a few times and have found them satisfactory.
by jeff1949
Wed Jan 15, 2020 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for assisted living care with dividends. $1.4 M porftolio. Need 7-8% yield. CEF's & MLP's?
Replies: 12
Views: 802

Re: Paying for assisted living care with dividends. $1.4 M porftolio. Need 7-8% yield. CEF's & MLP's?

You do not need income, you need sustainable withdrawal. That means you can prudently spend down the principal in addition to spending income. It also means that you do not need to focus on dividends per se but rather total return. At age 80 with $1.4M he should be fine with a conservative diversif...
by jeff1949
Tue Jan 14, 2020 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 170
Views: 25253

Re: Chase Sapphire checking 1000$ offer

The $1000 offer has now been extended from Jan. 17th to March 6th, 2020:

https://accounts.chase.com/consumer/ban ... rechampion
by jeff1949
Fri Jan 03, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: Please vote for a car option
Replies: 57
Views: 4601

Re: Please vote for a car option

Option 4 for the reasons listed above.
by jeff1949
Wed Jan 01, 2020 10:32 pm
Forum: Personal Consumer Issues
Topic: What was your travel in 2019?
Replies: 19
Views: 1378

Re: What was your travel in 2019?

China, Italy, Croatia, Greece, Spain, France, and Canada.
by jeff1949
Mon Dec 30, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Getting a new Toyota Highlander.....
Replies: 25
Views: 2732

Re: Getting a new Toyota Highlander.....

Let me give you my experience with buying a 2020 Avalon Limited Hybrid just 2 days ago. MSRP was $45,939 and I negotiated with with 7 different dealers and played one off of the other until I finally negotiated a price of $37,550. That is a discount of $8,389 even though their website said the "Sale...
by jeff1949
Sun Dec 22, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 711
Views: 94493

Re: Best CD rates thread

I just realized the best way to fund the PSECU CD addon would have been to use the biweekly auto transfers. When you choose biweekly transfers, it always happens on the same day of the week, so it avoids the cases where your cash has to sit uninvested over the weekend in the savings or checking acc...
by jeff1949
Fri Dec 20, 2019 6:19 pm
Forum: Personal Investments
Topic: How much can I sell at the 0% long term tax rate?
Replies: 17
Views: 1181

Re: How much can I sell at the 0% long term tax rate?

The standard deduction for MFJ is $24400. The long term rate of 0% holds if income + STCG + LTCG < $78750 + $24400 for MFJ. Does Social Security Income count as regular "income" in this computation? I'm guessing that 85% of your SS income will be taxed as part of that higher income. Suggest you try...
by jeff1949
Fri Dec 20, 2019 2:05 pm
Forum: Personal Investments
Topic: How much can I sell at the 0% long term tax rate?
Replies: 17
Views: 1181

Re: How much can I sell at the 0% long term tax rate?

rkhusky wrote:
Fri Dec 20, 2019 12:56 pm
The standard deduction for MFJ is $24400.

The long term rate of 0% holds if income + STCG + LTCG < $78750 + $24400 for MFJ.
Does Social Security Income count as regular "income" in this computation?
by jeff1949
Fri Dec 13, 2019 11:34 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new or used Toyota Camry?
Replies: 83
Views: 4396

Re: Should I buy a new or used Toyota Camry?

I think the 2019 Camry with 22k miles is your best deal at that price.....hands down.
by jeff1949
Sat Nov 30, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a used car from a dealer without a title - sketchy?
Replies: 11
Views: 1818

Re: Buying a used car from a dealer without a title - sketchy?

This is a common practice by dealers to delay the title. I would not worry about it.