Search found 483 matches

by Globalviewer58
Thu Nov 15, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1769

Re: What convenience fees does your city charge for credit card use?

Our city uses ACH for water/ sewer bills and no service fee is added.

For online property tax payments made via Central Processing Corporation, a fee of 2.95% is charged with a minimum fee of $1.95 per transaction. For ACH/ e-check transactions, a $0.95 service fee is charged.
by Globalviewer58
Sun Nov 11, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 58
Views: 5141

Re: Should we drop our manager, for 4-fund portfolio?

If you feel comfortable managing your own 4 fund portfolio then thank the advisor for her help and wish her well. The Bogleheads forum can serve as the steady hand when you feel angst over a market drop or have questions about your plans. You have better things to do with the $4700 you were handing ...
by Globalviewer58
Sun Nov 11, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Help Me Buy A New Front Door
Replies: 16
Views: 1193

Re: Help Me Buy A New Front Door

Reubin Watch a YouTube video for the topic, install door jamb weatherstripping. You can decide if you have the tools and skills to perform the task. Compare the existing weatherstripping to the material available at the Home Depot store. Over time the weatherstripping may have deteriorated and just ...
by Globalviewer58
Sun Nov 11, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401K investments
Replies: 6
Views: 295

Re: Help with 401K investments

You might check the date for your YTD calculation as current Fidelity 500 Index shows +2.98% return through 11/10/18 and your figures show -4.76%. The market was a bit volatile around the election time so performance YTD varied more than typical. You might ask yourself what benefit you hope to reali...
by Globalviewer58
Wed Nov 07, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: year-end capital gains distributions
Replies: 6
Views: 826

Re: year-end capital gains distributions

If your search, “Fund Name year-end distributions”, you may find the answer. When running this search on the Vanguard website it shows the actual 2017 distribution amounts and dates. The 2018 distribution is likely to be done on similar dates but you’ll need to wait a few more days to get the planne...
by Globalviewer58
Tue Nov 06, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard Intermediate Tax Exempt and Wash Sale
Replies: 3
Views: 252

Re: Question on Vanguard Intermediate Tax Exempt and Wash Sale

Sell the fund at ML and transfer the cash to your Vanguard settlement fund. Use the proceeds to purchase VWLTX, Limited Term Tax Exempt Fund. Hold the VWITX shares for at least thirty days and then buy VWITX if you want to switch back. Be aware that you risk a wash sale on the reinvested dividends i...
by Globalviewer58
Tue Nov 06, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to remove collision coverage?
Replies: 13
Views: 1021

Re: Ok to remove collision coverage?

I dropped collision coverage on an older car and hit a deer early one morning a few months later. It would have been cheaper to keep the insurance coverage.
by Globalviewer58
Fri Nov 02, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Is "recharacterizing" the correct method/term?
Replies: 14
Views: 620

Re: Is "recharacterizing" the correct method/term?

Deleted to remove erroneous reply.

The recharacterization of a Roth contribution is allowed in 2018, it is the converted Roth that may no longer be recharacterized.
by Globalviewer58
Thu Oct 25, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: When is moonlighting not moonlighting?
Replies: 22
Views: 1778

Re: When is moonlighting not moonlighting?

Of course it is moonlighting. Had a sales rep do this while on my payroll. Then I attended a trade show unannounced and found the booth I paid for was used to display our products and several others he represented as well. The explanation he gave was that customers prefer to buy from sales reps offe...
by Globalviewer58
Tue Oct 16, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?
Replies: 55
Views: 2940

Re: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?

A winning ticket is likely so go for it. Don't be surprised if you don't match a single number on either drawing.
by Globalviewer58
Tue Oct 09, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Office Computers
Replies: 5
Views: 823

Re: Office Computers

Have you considered a network server with thin clients at the workstations instead of PCs? You could also have a mix of thin clients and PCs on the network. Dell offers both products.

The benefit of a thin client approach is longer hardware life, fewer system maintenance issues.
by Globalviewer58
Mon Oct 08, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Postponing the bonus to next year. Is it a good idea?
Replies: 30
Views: 1993

Re: Postponing the bonus to next year. Is it a good idea?

I have worked at companies that offered a deferral on bonus payments from December to January. The company used the Accrual Method to account for expenses so it made no difference to them. Your situation is that you use the Cash Method of accounting so you can benefit by shifting from one tax year t...
by Globalviewer58
Mon Oct 08, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3328

Re: Formula for when to buy in bulk

Economic Order Quantity is a calculated value. see the link for details. https://www.dummies.com/business/accoun ... y-formula/
by Globalviewer58
Sun Sep 30, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 6083

Re: How to tell contractor you don't plan to pay him.

Contact the manufacturer to have their Tech Rep review the installation process steps that were performed. She can tell you whether the installation voids the warranty.
by Globalviewer58
Thu Sep 06, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Yellowstone and Grand Teton must see and do
Replies: 22
Views: 1867

Re: Yellowstone and Grand Teton must see and do

Enter your dates and see the list of Ranger Lead Hikes in the following link: https://www.nps.gov/yell/planyourvisit/ ... F16%2F2018#

The National Park Service Rangers have a wealth of knowledge to share as you see the natural beauty.
by Globalviewer58
Sun Aug 19, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3376

Re: Composite Decking Material

I used Lowe’s ChoiceDeck composite about 10 years ago and had great results. Be aware that joist spacing is 16 inches max. The posts must be boxed inside the rim joist and then the ChoiceDeck cover slides over the post. This is important to know because you will lose about 6” of dimension on each en...
by Globalviewer58
Thu Aug 16, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6237

Re: Terminating an employee with company car

Let the employee use the car to drive home, clean out personal stuff and then arrange a convenient time to pick the car up tomorrow. Build a bridge to a good relationship for the future.
by Globalviewer58
Wed Aug 08, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Career Transition after Military
Replies: 13
Views: 1255

Re: Career Transition after Military

Another tool to improve your future prospects is furthering your education while still on active duty. When I served there were courses available on post after typical working hours. I did a lot of homework under the lantern in my tent on the nights I was not taking a class. Today you may have more ...
by Globalviewer58
Wed Aug 08, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Career Transition after Military
Replies: 13
Views: 1255

Re: Career Transition after Military

I transitioned from active duty to civilian work after my initial Army ROTC commitment was satisfied in the 1980s. My wife is a career finance professional who worked her way up from analyst to executive. Your BS Finance degree is perfect for an entry level analyst role and you will stand out with c...
by Globalviewer58
Wed Aug 01, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7217

Re: DW job in dangerous area

Here are the YTD stats from Chicago homicide deaths: Cause Homicides % Gunshot 263 83.5% Stabbing 23 7.3% Trauma 14 4.4% Strangulation 5 1.6% Auto 4 1.3% Arson 3 1.0% Child Abuse 1 0.3% Unknown/TBD 2 0.6% As of 7/25/18 While not shown above, the number of children and innocents caught in the shootin...
by Globalviewer58
Wed Aug 01, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7217

Re: DW job in dangerous area

My vote would be to keep interviewing. Are you concerned about the gun violence in parts of Chicago? That problem has no solutions identified so my expectation is this will not be resolved in the next few years. I would opt not to take the job.
by Globalviewer58
Fri Jul 27, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: soccer practice next to highway during rush hour
Replies: 8
Views: 979

Re: soccer practice next to highway during rush hour

Yes, it is reasonable to find a less polluted exercise environment. Study results are mixed but find that adults still have a net cognitive improvement from exercise even if the air is somewhat polluted. Youths exercising frequently in polluted air are more likely to develop asthma than those with s...
by Globalviewer58
Tue Jul 10, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dad asked for my help on pension decision that I do not understand
Replies: 43
Views: 3651

Re: Dad asked for my help on pension decision that I do not understand

Using your figure of $63,021 as the offered lump sum and comparing to the quote for a SPIA (Single Premium Immediate Annuity) at www.immediateannuities.com, he could receive a monthly payment of $387. So in that case it would be preferred to roll the lump sum over to a Rollover IRA or a 401K account...
by Globalviewer58
Tue Jul 03, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 4208

Re: Neighbor's drainage issue causing problems

OP: The drain photo shows an obvious first step will be to properly maintain the drain so it is clear of any resistance to the flow of water. Removing the vegetation periodically is going to be an on-going need. I would see how this changes the ponding problem before investing in other remedies.
by Globalviewer58
Mon Jun 18, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Severance Package Question
Replies: 60
Views: 6353

Re: Severance Package Question

File your claim in the state where you worked.
by Globalviewer58
Wed Jun 13, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 52
Views: 5286

Re: Living Abroad - Who's done it?

Yes, lived in Germany, for about 3 years. One of the best times of my life. Learned to speak casual German while living there but strongly suggest having some fluency in the local language and it seems you have Spanish so that should guide your search. If you and your spouse are in agreement then ma...
by Globalviewer58
Thu Jun 07, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Carseat required in East Asian countries?
Replies: 2
Views: 400

Re: Carseat required in East Asian countries?

I have not traveled to either country but here's what I found: Korean law requires that children under six (6) years of age be secured in a child car seat. The fine for not using a car seat as required by law is 30,000 won. Unlike many other countries, this law does not specify which type of car sea...
by Globalviewer58
Wed Jun 06, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: WSJ:Social Security Expected to Dip Into Its Reserves This Year
Replies: 61
Views: 3550

Re: Social Security crossover point has arrived

Both SS and Medicare funding will be solved in short order by implementing Dr. Ezekiel Emmanuel's personal plan to stop medical intervention after age 75. No medical testing, no hospital stays, no prescription medications.
by Globalviewer58
Mon Jun 04, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4943

Re: Travel advice for an engineer

The Jain Temple in Ranakpur, Rajasthan, India. Off the beaten path but a marvel of carved columns from the 15th century. Here's the Wikipedia link: https://en.wikipedia.org/wiki/Ranakpur_ ... _India.jpg
by Globalviewer58
Mon Jun 04, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Pending Layoff / Can I retire?
Replies: 31
Views: 4821

Re: Pending Layoff / Can I retire?

There are so many startup failures that you stand a better than even chance of working for free if you accept employment for stock only. My friend showed me a resume with > 20 startup employers over about that same # of years. They all had a promising story and RSUs but eventually faded due to a var...
by Globalviewer58
Thu May 31, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: belize with kids -- advice?
Replies: 8
Views: 958

Re: belize with kids -- advice?

I suggest you look at TripAdvisor website to see the most popular activities and determine whether these are of interest for you and your family. Water activities are the top things on the list. Do you want to earn SCUBA Certification? We stayed on Ambergris Caye 10 years ago to enjoy SCUBA diving. ...
by Globalviewer58
Tue May 22, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Bird Nest in bathroom exhaust fan vent
Replies: 10
Views: 1269

Re: Bird Nest in bathroom exhaust fan vent

To keep the birds out permanently you can install a backdraft damper like this one: https://www.build.com/continental-fan-manufacturing-bdd100/s432039?uid=1471536&source=gg-gba-pla_1471536!c214950439!a14563473199!dc!ng&gclid=EAIaIQobChMIh-qQ_ZGa2wIVXLXACh0JRwNXEAQYASABEgI6q_D_BwE You might call a si...
by Globalviewer58
Tue May 15, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations for married couple living in two states
Replies: 1
Views: 319

Re: Considerations for married couple living in two states

Tax Planning: For the years when you both live in separate states you will file one Federal MFJ return with the IRS. Then you can use a tool like TurboTax to prepare a Federal MFS return for each of you that allocates deductions and recognizes only your individual income to be taxed by your state. T...
by Globalviewer58
Wed May 09, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 6492

Re: What's the view on dogs running free?

If the dogs are not aggressive to humans it is not a big deal. It seems the owner is making an effort to minimize your bother by retrieving his wandering hound. What would concern me is a when dog that is aggressive is allowed to run free. Still remember the 11-year old playing in the park one day i...
by Globalviewer58
Tue May 08, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Build a retaining wall ?
Replies: 19
Views: 1775

Re: Build a retaining wall ?

Another idea is to search for the condition, such as soil loss, and see solutions. Here's a set of solutions for Soil Loss due to Downspout drainage:

https://www.fairfaxcounty.gov/soil-wate ... rol-runoff
by Globalviewer58
Thu May 03, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: A Clamp, My Kingdom for a Clamp
Replies: 6
Views: 958

Re: A Clamp, My Kingdom for a Clamp

Menard's offers a Suspensulator to support pipes. https://www.menards.com/main/pipe-supports/pipe-hangers-accessories/cts-suspensulator-trade/558-e2pk2/p-1444442673668-c-9424.htm?tid=-1337907579724513502&ipos=2 You could use this under the deck on a couple of joists to support the pipe. Another prod...
by Globalviewer58
Sat Apr 28, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Bee in the house - what to do???
Replies: 27
Views: 1772

Re: Bee in the house - what to do???

Bees clustered on the side of the house may be guard bees literally guarding the entry hole. Arm yourself with a bee killing spray and protective clothing for your arms, hands and face. Wait for dusk or get up before dawn and spray the guard bees. Once they are eliminated, spray the entry hole and i...
by Globalviewer58
Fri Apr 27, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 8406

Re: Money vs. Work-life balance

I stopped chasing the next big raise years ago because the flexibility and favorable work/ life balance of my work situation were more important to me. The people I work with come in with their best every day in part because of the flexibility offered.
by Globalviewer58
Thu Apr 19, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 4155

Re: Good Dad, Bad Dad

Are you in an area that has good Uber or Lyft coverage? If so it may make more sense to let him pay for his rides rather than sink $ into a car with the known insurance cost. How many rides can he buy to and from school instead of paying for insurance and gas?
by Globalviewer58
Mon Apr 16, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: $4,400 in AMT? sanity check, please?
Replies: 11
Views: 1703

Re: $4,400 in AMT? sanity check, please?

AGI $297K minus AMT exemption $84.5K = $212.5K x 26% = $55.25K
AGI $297K minus AMT exemption $84.5K = $212.5K x 28% = $59.5K
so your TaxAct result looks about right.
by Globalviewer58
Mon Apr 16, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2655

Re: Yellowstone time needed

The OP should realize that Yellowstone lodging books up a year in advance. If you plan now you may be able to reserve rooms for the 2019 season.
by Globalviewer58
Tue Apr 10, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative website for those in lower tax brackets?
Replies: 59
Views: 6291

Re: Alternative website for those in lower tax brackets?

While it does not solve the OP's issue of finding or calculating fund returns for intermediate income tax rates, it may be interesting to note that the reason the returns are calculated using the highest rate is the SEC Final Rule that became effective in April 2001. For those with a passion for mor...
by Globalviewer58
Fri Apr 06, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Lost wallet
Replies: 13
Views: 1478

Re: Lost wallet

Report the loss to the local police department. A good samaritan may turn it in.
by Globalviewer58
Fri Apr 06, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed - Getting serious w/finances
Replies: 17
Views: 1831

Re: Getting serious w/finances

Financially better to consider student loans as a joint effort to pay off the highest interest loan first, next highest loan, etc. So any extra payments you can make to pay them off in this order will give the best financial outcome for both of you. You could make a spreadsheet showing the balance, ...
by Globalviewer58
Fri Apr 06, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Home remodel questions
Replies: 10
Views: 1684

Re: Home remodel questions

Does your agreement also include a Contractor Lien Release Waiver? This is necessary to avoid being put in the middle of a dispute between the GC and subs or material suppliers. Here's a link for how this can be used: https://www.angieslist.com/articles/what-contractor-lien-release-or-subcontractor-...
by Globalviewer58
Wed Apr 04, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Estimated taxes for 2018
Replies: 18
Views: 2072

Re: Estimated taxes for 2018

Have you tried the free TaxCaster tool available online through TurboTax? They claim the 2018 reforms are in the forecasting tool for 2018.
by Globalviewer58
Tue Mar 20, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Financial checklist after passing of a spouse
Replies: 22
Views: 2368

Re: Financial checklist after passing of a spouse

Best checklist I can recall is a post from the year 2013 you can find by searching the term, Death Book, or using this link: viewtopic.php?t=119346
by Globalviewer58
Thu Mar 08, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 4341

Re: MD-Phd (Harvard) vs MSTP (School X)

For the unwashed who read this post, MSTP = Medical Science Training Program, a course of study to earn an MD and a science PhD with clinical or bioscience research focus.
by Globalviewer58
Sat Feb 17, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: ios fitness/stretching apps
Replies: 3
Views: 256

Re: ios fitness/stretching apps

YouTube videos are abundant. To get started you might try the 8 minute abs, 8 minute arms and 8 minute legs videos. Although they were made years ago the models demonstrate the exercise as you progress through about 16 exercises in the 8 minutes. Start slow with no weights and add as you progress. T...
by Globalviewer58
Sun Jan 14, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Unwinding Stocks - Where to Start?
Replies: 21
Views: 1729

Re: Unwinding Stocks - Where to Start?

OP, it may be that you have 5 years to enjoy 0% tax rate on CGs. Once you reach age 70 and begin taking RMDs and collecting SS benefits you may be in a higher income tax bracket and lose access to 0% CG rates.