Search found 735 matches

by jeff1949
Fri Nov 15, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tax harvest gain this year?
Replies: 9
Views: 520

Re: Should I tax harvest gain this year?

Makefile wrote:
Fri Nov 15, 2019 3:37 pm
Have you looked at state income tax - looks like you are in OR. It is unusual for state income tax to give a lower rate for capital gains.
Oregon state tax will be 9% for me so that is an issue.
by jeff1949
Fri Nov 15, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tax harvest gain this year?
Replies: 9
Views: 520

Re: Should I tax harvest gain this year?

Looks like Social Security income will put me over the limit IF indeed it is used in the calculation. Would love to hear from someone who has been through this and knows for sure about the SS part of this issue. Maybe the Tax Caster will confirm one way or the other so I will give it a try. If the ...
by jeff1949
Fri Nov 15, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tax harvest gain this year?
Replies: 9
Views: 520

Re: Should I tax harvest gain this year?

I added a quote and link confirming that SS is considered ordinary income. When I put your numbers into taxcaster and get the taxes owed, when I add any lt cap gains the taxes increase by 15% of the amount of lt gains, confirming the tax rate is not zero. Yes, you are correct. I used the TaxCaster ...
by jeff1949
Fri Nov 15, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tax harvest gain this year?
Replies: 9
Views: 520

Re: Should I tax harvest gain this year?

Looks like Social Security income will put me over the limit IF indeed it is used in the calculation. Would love to hear from someone who has been through this and knows for sure about the SS part of this issue. Maybe the Tax Caster will confirm one way or the other so I will give it a try.
by jeff1949
Fri Nov 15, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tax harvest gain this year?
Replies: 9
Views: 520

Should I tax harvest gain this year?

I would like to tax gain harvest and I would like some advice. My goal would be to sell my taxable TSM fund to the point that I am still in the zero tax bracket for capital gains. Here are the particulars: Married filing Jointly $25k Social Security Income $22k interest and dividends $3k rental inco...
by jeff1949
Thu Nov 14, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 89
Views: 9948

Re: Disturbing experience with Ally Bank

I just did a pull from Alley to my Marcus account yesterday for $25k. I was surprised when they told me it would take three days instead of one day to pull that amount. The transfer will not be complete until Monday, the 18th even though the Marcus account shows today that the $25k has been debited ...
by jeff1949
Fri Nov 08, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Question for Car experts - how urgent/important are these maintenance items
Replies: 36
Views: 3328

Re: Question for Car experts - how urgent/important are these maintenance items

For what it is worth: I own a 1998 Toyota RAV-4 with 98k miles on it and it still has the original serpentine belt which has no cracks or sign of wear whatsoever according to my mechanic. Go figure.
by jeff1949
Thu Nov 07, 2019 6:20 pm
Forum: Personal Investments
Topic: Roth IRA transfer ?
Replies: 12
Views: 517

Re: Roth IRA transfer ?

Hello friends. I currently have my Roth IRA with Vanguard. My wife is wanting to liquidate her Roth IRA at another firm and transfer into vanguard. Can I do that under my account or does she have to open her own account? Was hoping we can have it under the same account to be able to view both at th...
by jeff1949
Sat Oct 19, 2019 12:17 pm
Forum: Personal Investments
Topic: What CD rate do I need to beat Prime MM?
Replies: 33
Views: 4528

Re: What CD rate do I need to beat Prime MM?

Be sure to consider a No Penalty CD like they have at Ally Bank. Currently it is at 2.00% and you can withdraw the money at anytime with no penalty for early withdrawal.
by jeff1949
Thu Oct 17, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 3892

Re: Moving my home landline phone number to MagicJack - good idea?

I tried MajicJack several years ago (7 perhaps?) and found it lacking at that time. I switched to over "Ooma" (purchased at Costco at the time) and never looked back. My bill is now around $5 per month with much better sounding connection than the original landline.
by jeff1949
Mon Oct 14, 2019 5:48 pm
Forum: Personal Investments
Topic: I-bonds with kids
Replies: 18
Views: 1618

Re: I-bonds with kids

Sounds like you have it figured out fine. Just remember that you cannot cash them in for one year.
by jeff1949
Fri Oct 11, 2019 3:18 pm
Forum: Personal Investments
Topic: “Upgrading” a regular Vanguard taxable account to a brokerage account
Replies: 14
Views: 1679

Re: “Upgrading” a regular Vanguard taxable account to a brokerage account

One thing I have noticed is that the Brokerage Account transfers funds one day sooner to my outside bank account than does the old style mutual fund platform.
by jeff1949
Thu Oct 10, 2019 5:30 pm
Forum: Investing - Theory, News & General
Topic: A great example of single stock risk
Replies: 51
Views: 5524

Re: A great example of single stock risk

I don't know that I have ever heard or seen any advice saying to invest in only one stock. Not invest in nothing but one stock, but employee stock purchase plans and management stock option/RSU plans implicitly urge people to invest significantly in only one stock. Most employers don't suggest that...
by jeff1949
Wed Oct 09, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: travel agent for cruise and discounting
Replies: 8
Views: 716

Re: travel agent for cruise and discounting

You might want to try CruiseCompete.com. Just enter the cruise you are interested in and travel agents will respond with quotes. Mainly the amount of onboard credit they offer is the difference between agents. +1 We have used cruise compete.com a couple of times. They give you quotes from 3 compani...
by jeff1949
Mon Sep 30, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: high toilet
Replies: 33
Views: 3312

Re: high toilet

Age is catching up with me, and I'm thinking about having a regular toilet replaced with a higher one. I have a septic system, if that matters. Any recommendations or unrecommendations for brands and features? Thank you. I replaced all of our lower round toilets with elongated ADA approved (higher)...
by jeff1949
Tue Sep 17, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 8169

Re: Alternatives to Subaru Outback?

My top choices would be the Toyota RAV-4, Mazdz CX-5 and the Honda CR-V which are all top rated for reliability.
by jeff1949
Mon Sep 16, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Insurance Issues - suggestions?
Replies: 16
Views: 999

Re: Insurance Issues - suggestions?

Looks like the insurance is issued in the State of New York and you live in CT and therein lies the rub with the laws you quote being specific to CT.
by jeff1949
Tue Sep 10, 2019 11:44 pm
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1723

Re: Michelin Energy Saver A/S tire for 2015 Prius 3

I had the Energy Savers as original equipment on my 2012 Camry Hybrid and replaced them with the Defenders when the first set wore out. I did not notice a drop in my mileage which remained right at 40 MPG. I now need to replace the Defenders and I just today explored prices and I am thinking of goin...
by jeff1949
Fri Aug 30, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 6572

Re: What, besides dishes, do you run through your dishwasher?

My high performance bowling balls. The balls get saturated with lane dressing (a light oil) and do not hook as much until after they are cleaned.

:sharebeer
by jeff1949
Fri Aug 30, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Banks requiring fingerprint on a check for non-customers to receive cash
Replies: 87
Views: 5938

Re: Banks requiring fingerprint on a check for non-customers to receive cash

Yes, I have had this happen to me and I think it was at a B of A. It was probably 10 to 15 years ago and has not happened since but then again I usually just deposit those checks at my bank and seldom cash them out.
by jeff1949
Fri Aug 23, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: High Yield Online Account
Replies: 6
Views: 511

Re: High Yield Online Account

Have you considered the No Penalty CD at Ally? Paying 2.2% right now and it does not lock up your $$. Seems well suited for $25k and up.
by jeff1949
Mon Aug 19, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Paying credit card "current balance" vs. "statement balance"
Replies: 48
Views: 4681

Re: Paying credit card "current balance" vs. "statement balance"

When I have run into this issue with one of my credit cards I have just paid the $500 and it has never been a problem.
by jeff1949
Sat Aug 17, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Scooter I sold to someone was abandoned
Replies: 11
Views: 1657

Re: Scooter I sold to someone was abandoned

In my state (Oregon) you are required to notify the state of a sale of a registered vehicle within 10 days of the sale or transfer. I did not do this on my last sale of a car and I got a parking ticket notice for the vehicle several months later. Luckily the buyer took care of it after I notified hi...
by jeff1949
Sat Aug 10, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 3110

Re: Checking credit card statements

runner3081 wrote:
Sat Aug 10, 2019 1:28 pm
I check each CC online, in the morning, every weekday.
Same here.....only takes about a minute.
by jeff1949
Fri Aug 09, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3388

Re: Have you skipped a flight segment to save on airfare?

Yes I have.....twice that I can remember. Not without risks as others have stated. Do you feel lucky? :shock:
by jeff1949
Thu Aug 01, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 5336

Re: Are all models of Toyota generally considered reliable?

I just checked the 2019 Auto Issue of Consumer Reports for reliability ratings and it looks like the Sienna and the Sequoia are rated just slightly under the Highlander. So yes, those models are all quite reliable.
by jeff1949
Sat Jul 27, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
Replies: 113
Views: 6917

Re: Non-lethal alternatives to firearms to defend against home invasions in Florida

newcollegeman wrote:
Sat Jul 27, 2019 8:11 am
Hand held boat air horn
That is one I had not thought of but seems fairly practical. :sharebeer
by jeff1949
Wed Jul 24, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Car Check Engine Light
Replies: 29
Views: 1543

Re: Car Check Engine Light

EGR Vavle which I had replaced last year..... love it... I was able to disassemble my EGR valve and clean it out instead of replacing it. It was plugged with carbon/soot. Of course that was a bunch of years ago on a 1993 Ford Festiva I believe. Actually did it more than once but the EGR valve was e...
by jeff1949
Tue Jul 09, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 10468

Re: Who cuts your hair? And for how much?

Random Poster wrote:
Tue Jul 09, 2019 8:14 pm
My wife.

Hard to determine the price, but it isn’t cheap...
Ditto. :sharebeer
by jeff1949
Mon Jun 24, 2019 12:18 pm
Forum: Personal Investments
Topic: Vanguard Investments to VMFXX to Checking Account
Replies: 7
Views: 822

Re: Vanguard Investments to VMFXX to Checking Account

I have my credit cards automatically paid by linking to my High Yield Savings account at Ally Bank. I don't think there is a way to do that with a Vanguard MMF if I'm not mistaken.
by jeff1949
Thu Jun 20, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: Smoke Alarms with 10 Yr Batteries
Replies: 14
Views: 1352

Re: Smoke Alarms with 10 Yr Batteries

We had a bad experience with the First Alert 10-year (bought from Costco). About 9 months in, both units (it was a 2-pack) started alarming for no reason (no cooking or anything, and usually in the middle of the night). They would take turns going off at different times. We contacted the company an...
by jeff1949
Wed Jun 12, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Renting a car in Europe across countries
Replies: 22
Views: 1401

Re: Renting a car in Europe across countries

I would definitely try AutoEurope for your car rental:

https://www.autoeurope.com/
by jeff1949
Tue Jun 11, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 3419

Re: Passport photos cheap

DanMahowny wrote:
Tue Jun 11, 2019 11:51 am
boogiehead wrote:
Tue Jun 11, 2019 7:16 am
Costco... took pic, grabbed and ate my hot dog combo, go back to pickup pics.
Nice job. The hot dog combo is mandatory, am I right?
You are correct sir! :sharebeer
by jeff1949
Tue Jun 11, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 3419

Re: Passport photos cheap

From the Costco website:

"Plan ahead for your trip, whether traveling for vacation or business.

Your local Costco Photo Center can print four Passport photos while you shop for only $4.99*

*Available at most locations."
by jeff1949
Mon Jun 03, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Credit Card - Binding arbitration opt-out?
Replies: 43
Views: 4084

Re: Chase Credit Card - Binding arbitration opt-out?

I cancelled my Southwest Chase Card after I received this same notice a few days ago. However, I did not use it much after I received the bonus mileage for signing up.
by jeff1949
Fri May 24, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: American Express lowered my credit limit
Replies: 61
Views: 5548

Re: American Express lowered my credit limit

lakpr wrote:
Fri May 24, 2019 5:52 pm
I received a similar letter last week. In my case, actually they closed the account entirely.
Yep, that is what happened to us too.
by jeff1949
Wed May 22, 2019 1:38 pm
Forum: Personal Investments
Topic: $400,000 gift to stepdaughter
Replies: 76
Views: 9173

Re: $400,000 gift to stepdaughter

When our son, now 40, was in his late teens and early 20's - he was very financially irresponsible. He was regularly employed (although he moved a lot from one job to another) I had this "great idea" that I would fund an IRA at Vanguard for him. My thought was that this could be good for his long-t...
by jeff1949
Tue May 21, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Discount off list price of new Lexus RD 350
Replies: 6
Views: 670

Re: Discount off list price of new Lexus RD 350

Thinking about stepping up to a Lexus RX 350 from a Subaru Forester. According to a website, the average price paid was only $600 less than list price. What amount did you get off the list price of your Lexus? Not a Lexus (although I was considering one) but I found an advertised deal for a high en...
by jeff1949
Tue May 21, 2019 12:18 pm
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 120
Views: 14467

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

I just wish they could come up with a customized all-in-one fund. For instance mine would be (and is): 10% Developed Mkts. Index 10% Emerging Mkts. Index 10% Small Cap Value Index 20% Total Mkt. Index 50% Total Bond index I bet Vanguard or Fidelity will come up with this customized version tailored ...
by jeff1949
Mon May 20, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Best SIM card for travel in Europe?
Replies: 38
Views: 2992

Re: Best SIM card for travel in Europe?

Who do you have as a carrier? If Tmobile, and depending on plan, it works throughout Europe without have to change the sim, plus no roaming fees or surprise costs. +1 Just got back from 3 weeks in Europe and T-Mobile was great. Free internet and texting but phone calls were $2.50 per minute so we d...
by jeff1949
Tue May 14, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Booking a cruise - any differences in how/where?
Replies: 37
Views: 3671

Re: Booking a cruise - any differences in how/where?

Here is another vote for www.cruisecompete.com after you have figured out what cruise you want. :sharebeer
by jeff1949
Mon May 13, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do you receive a letter if you credit card is about to be closed for inactivity?
Replies: 18
Views: 1598

Re: Do you receive a letter if you credit card is about to be closed for inactivity?

My wife just got a letter 2 days ago from American Express stating that her AmEx Blue Card would be closed for inactivity and it also said that if we used it they would then not close the account.
by jeff1949
Sun May 12, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Getting money to Ally
Replies: 12
Views: 631

Re: Getting money to Ally

Yes, put them in your Wells Fargo account after you have linked that account with your Ally account. Then initiate the transfer at Ally. My bank (Key Bank) has a $2000 limit on transfer when you initiate the transfer at Key but there is no such limit when you initiate the transfer from Ally. I am no...
by jeff1949
Sat May 11, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Question on Capital One $450 bonus offer
Replies: 12
Views: 1410

Re: Question on Capital One $450 bonus offer

You can open a capital one 360 money market account and get $500 bonus when you deposit 50K and leave it in there for 90 days. You will also earn 2% interest, essentially bringing your bonus after 90 days to $750. Here's the link https://www.capitalone.com/earn500/ I just went to this website and c...
by jeff1949
Sat May 04, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Gain when selling your house - IRS reporting and reconciling?
Replies: 10
Views: 1055

Re: Gain when selling your house - IRS reporting and reconciling?

I was very surprised that the Title Company did not report a 1099-S on the sale of my wife's house a couple of years ago after asking for her SS # which I assume was for that purpose. I kept waiting for the 1099-S to arrive and it never did. The sale price was $149k so maybe there is a threshold th...
by jeff1949
Sat May 04, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Gain when selling your house - IRS reporting and reconciling?
Replies: 10
Views: 1055

Re: Gain when selling your house - IRS reporting and reconciling?

I was very surprised that the Title Company did not report a 1099-S on the sale of my wife's house a couple of years ago after asking for her SS # which I assume was for that purpose. I kept waiting for the 1099-S to arrive and it never did. The sale price was $149k so maybe there is a threshold tha...
by jeff1949
Fri May 03, 2019 11:37 am
Forum: Investing - Theory, News & General
Topic: Scott Burns: the Simplicity Manifesto
Replies: 13
Views: 2699

Re: Scott Burns: the Simplicity Manifesto

Scott Burns led me to Vanguard and the original Vanguard Dieheards which led me to Mel L. and he to 3.0+ I-Bonds back in the day. I owe a lot to Scott Burns!

:sharebeer
by jeff1949
Wed Apr 17, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 13244

Re: What Are Your Simple Pleasures?

Sex with my spouse. :D :sharebeer
by jeff1949
Tue Apr 09, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 7252

Re: How Much Do You Pay For Haircut?

dbapaddy wrote:
Tue Apr 09, 2019 2:27 pm
$0..wife cuts it.
Ditto.........but that can be pretty expensive........it just depends. 😁