Search found 1072 matches

by lawman3966
Thu Dec 14, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: any sense in purchasing an annuity before retirement?
Replies: 35
Views: 2010

Re: any sense in purchasing an annuity before retirement?

I guess my point was, either way, I'm going to be stuck with a low rate of return over the next 5 years for some portion -- say 50% for even numbers -- of our portfolio. If my neighbor has 100% of his assets in the market or a variable annuity, he might come out 2x ahead, but I don't want to take t...
by lawman3966
Tue Dec 12, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Space Heater Thermostat Temp-based or just Duty Cycle
Replies: 8
Views: 592

Re: Space Heater Thermostat Temp-based or just Duty Cycle

Looking at Tacoma code specifically, this document has a 70 degree requirement and does not allow it to be met by space heaters on page 30 here, but from a quick read of the section, I think it allows grandfathering. http://cms.cityoftacoma.org/cityclerk/Files/MunicipalCode/Title02-Buildings.PDF Th...
by lawman3966
Tue Dec 12, 2017 2:44 am
Forum: Personal Consumer Issues
Topic: Space Heater Thermostat Temp-based or just Duty Cycle
Replies: 8
Views: 592

Re: Space Heater Thermostat Temp-based or just Duty Cycle

Also, if I remember right in Washington state, if a dwelling does not have a permanently wired or plumbed primary heating source, it is out of code. I don't remember where at the moment to check for confirmation on that. I suppose whether that is a deficiency you'd want to raise a fuss about might ...
by lawman3966
Tue Dec 12, 2017 2:08 am
Forum: Personal Consumer Issues
Topic: Space Heater Thermostat Temp-based or just Duty Cycle
Replies: 8
Views: 592

Re: Space Heater Thermostat Temp-based or just Duty Cycle

Also, if I remember right in Washington state, if a dwelling does not have a permanently wired or plumbed primary heating source, it is out of code. I don't remember where at the moment to check for confirmation on that. I suppose whether that is a deficiency you'd want to raise a fuss about might ...
by lawman3966
Mon Dec 11, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: Space Heater Thermostat Temp-based or just Duty Cycle
Replies: 8
Views: 592

Space Heater Thermostat Temp-based or just Duty Cycle

Appealing to the techies out there to resolve a dispute. Our home in WA uses only electric space heaters for heat. One resident is attempting to map a combination of space heater thermostat settings to the resulting room temperature, in order to come up with thermostat settings we can stick to. My i...
by lawman3966
Mon Dec 11, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Parking Lot Dent: Pay myself or submit claim
Replies: 14
Views: 1537

Re: Parking Lot Dent: Pay myself or submit claim

Normally in cases where the other vehicle is moving, there is always the possibility of a bodily injury claim from the op. However in this case to op's car was parked, and even if they wanted to get it repaired, the cost would be nominal. Also, given your upcoming relo, I would just submit it to Ge...
by lawman3966
Mon Dec 11, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Year End Planning Roth Conversion / ACA
Replies: 1
Views: 213

Year End Planning Roth Conversion / ACA

I am posting to determine whether my situation is ripe for a Roth conversion.Some data: Age: 58 Amount in TIRA: $400K Income from SSDI: $26.8K/ year. Income from investments: about $ 5K/year. Health plan: Silver ACA plan, with a $380/month premium. I tend to think that a Roth Conversion at this time...
by lawman3966
Mon Dec 11, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2150

Re: Cricket Wireless: What are the gotchas?

I switched from AT&T to Cricket about a year and a half ago and have had no problems. Once you get used to it, their online interface is good enough that I don't feel the need to call customer service. I recently traveled to Canada, and had no trouble adjusting my plan upwards in order to have unlim...
by lawman3966
Mon Dec 11, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Parking Lot Dent: Pay myself or submit claim
Replies: 14
Views: 1537

Re: Parking Lot Dent: Pay myself or submit claim

In your state, do you also have to pay to fix what you hit? What is that additional cost? Per the text added to my top post, the damage to what I hit - another vehicle - was trivial and the owner does not appear interested in pursuing the issue. If there is not any other fixes involved, at that pri...
by lawman3966
Mon Dec 11, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Parking Lot Dent: Pay myself or submit claim
Replies: 14
Views: 1537

Parking Lot Dent: Pay myself or submit claim

I just got an estimate to repair a four year old Hyundai (worth about $11K) after a parking lot accident (my fault). Normally, I would pay for it myself without a second thought, but the estimate amount has me rethinking that. The facts are the following: (1) This would be the first time ever I'd be...
by lawman3966
Tue Dec 05, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Safe place to move cash for better return
Replies: 4
Views: 1099

Safe place to move cash for better return

Over the last few years, I've placed my non-stock assets in money market funds to avoid bond fund losses that many pundits said would arise from interest rate increases. I would now like to move some of this cash into either short term bond funds or CDs. I'm writing to get recommendations for funds ...
by lawman3966
Sun Sep 17, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3866

Re: Should I contact a lawyer?

The document had a title page, for example Russian 201 Clarity High School, 2011 and I was the only person teaching that course. It had no copyright statement or other statement. No one besides myself taught the course for 20 years, although some topics were swapped with other levels over the years...
by lawman3966
Tue Sep 05, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Book Recommendations: Nutrition / Psychology
Replies: 28
Views: 2379

Re: Book Recommendations: Nutrition / Psychology

canon_shooter wrote:
Tue Sep 05, 2017 8:17 am

How about using your local library to get these books in order to keep costs down?
Thanks to Canon Shooter and all the others for your kind suggestions. I will indeed check these titles out at the local library.
by lawman3966
Mon Sep 04, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: Book Recommendations: Nutrition / Psychology
Replies: 28
Views: 2379

Book Recommendations: Nutrition / Psychology

In view of the number of medical professionals on this board, I'm hoping to get some good reading recommendations for both nutrition and psychology for a lay person, hopefully in reasonably priced paperback editions. I've done some initial browsing on Amazon, and most of the early hits in the nutrit...
by lawman3966
Thu May 25, 2017 12:41 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Optimization Calculator
Replies: 1
Views: 402

Roth Conversion Optimization Calculator

I'm now retired and seek input on a way to optimize my Roth conversions prior to incurring the need for RMDs. My data: Age 57. ASSETS: Taxable: $800K Tax-deferred: $400K Roth: $120K INCOME: SSDI: $27K/year (already receiving). Health insurance: On ACA plan from now until Nov. 2018, on Medicare there...
by lawman3966
Tue May 16, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Invest in My Company's 401K Even Though I Might Leave in A Few Months?
Replies: 7
Views: 764

Re: Should I Invest in My Company's 401K Even Though I Might Leave in A Few Months?

When I faced this situation, I increased my contribution amount to the maximum in order to put as much money as possible into tax advantaged accounts. Whether you should do the same depends on how much operating capital you need in the coming months and the rules of your 401K plan. It doesn't really...
by lawman3966
Thu Apr 13, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: ROI for Boat Repair Project
Replies: 11
Views: 1087

ROI for Boat Repair Project

A handyman (hereafter H) I know has some expertise in purchasing and repairing boats. He has invited me to invest in a project of his. Accordingly, I'm posting to get some idea of a reasonable ROI for my investment. I don't know all the specifics yet (and indeed each project is different), but I wil...
by lawman3966
Wed Mar 22, 2017 1:31 pm
Forum: Forum Issues and Administration
Topic: Best way to share PDF of 401k funds available?
Replies: 7
Views: 1191

Re: Best way to share PDF of 401k funds available?

When a roommate recently asked me to review a multi-page list of funds in her 403(b) plan, I looked for the index funds in the stock and bond categories, and mostly stopped there. I looked over the fees of the various funds and confirmed that the index funds indeed had the lowest fees (not always gu...
by lawman3966
Tue Mar 21, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Debating a weekend in Chicago (south side)
Replies: 54
Views: 4823

Re: Debating a weekend in Chicago (south side)

I am going to try to weave three concepts together here. You're the "guitar" guy, and you want something to do with your guys/buddies. Accordingly, I recommend Buddy Guy's Legends Blues Club (on the near south side). http://buddyguy.com/ Apparently, Buddy Guy is an old friend of Keith Richards who h...
by lawman3966
Sun Feb 19, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator - COLA Adjustment
Replies: 13
Views: 1645

Re: Social Security Calculator - COLA Adjustment

How old are you? (1) For the year you turn 63 and later you get a CPI-U based COLA. (2) For the year you turn 60 and earlier your PIA will be increase based on the National Average Wage Index. (3) For the years you turn 61 and 62 there are no adjustments. I understand items (1) and (2) above, but a...
by lawman3966
Sun Feb 19, 2017 4:48 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator - COLA Adjustment
Replies: 13
Views: 1645

Re: Social Security Calculator - COLA Adjustment

Use this link instead. m Hit submit with the year 2017. Notice, the last two years have a 1.0 factor. You mention that the last two years have a 1.0 factor. I'm not sure what this means. Below, I have taken a stab at explaining it, but please let me know if I've misunderstood the issue. Text at the...
by lawman3966
Fri Feb 17, 2017 1:22 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator - COLA Adjustment
Replies: 13
Views: 1645

Re: Social Security Calculator - COLA Adjustment

How old are you? For the year you turn 63 and later you get a CPI-U based COLA. For the year you turn 60 and earlier your PIA will be increase based on the National Average Wage Index. For the years you turn 61 and 62 there are no adjustments. Thanks. I was not aware of the formula before. I'm 57. ...
by lawman3966
Thu Feb 16, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculator - COLA Adjustment
Replies: 13
Views: 1645

Social Security Calculator - COLA Adjustment

I periodically check my (estimated) future SS payments using either the "estimator" or the Online Calculator. For some reason, I have not had any luck using the estimator recently. I always get an error message stating that they can't process my request at this time. Upon entering my data ...
by lawman3966
Fri Feb 10, 2017 2:41 am
Forum: Personal Finance (Not Investing)
Topic: Payment Method for Private Used Car Sale
Replies: 43
Views: 3185

Re: Payment Method for Private Used Car Sale

Most banks will let you call and verify that funds for a cashiers check are good. I've bought all my cars with cashiers check or bank check when using a loan. If someone is financing, they're not going to have cash. Are you willing to give up a sale just to have a cash payment? Probably not. Just t...
by lawman3966
Fri Feb 10, 2017 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Payment Method for Private Used Car Sale
Replies: 43
Views: 3185

Re: Payment Method for Private Used Car Sale

Cash. Getting the cash is the buyer's problem. I think the risk is very low until you're left with a handful of cash in your coat pocket or house. I've taken it right to the bank. Another time, I got a bank check at a local branch, with the buyer , so I knew it was genuine and it could be covered. ...
by lawman3966
Thu Feb 09, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Payment Method for Private Used Car Sale
Replies: 43
Views: 3185

Payment Method for Private Used Car Sale

Since I drive little these days, I'm looking to sell my current vehicle and get a cheaper one, and to conduct both transactions privately. The one I plan to sell is worth about $12K. I have read a little online about how to accept payment in this transaction. Some people use cash, others use persona...
by lawman3966
Mon Feb 06, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: Fee for help buying/selling used cars
Replies: 3
Views: 624

Fee for help buying/selling used cars

I have a 2014 vehicle that I now drive very little that has a retail value of about $12K. I'm interested in selling it and buying an older vehicle for about $3K. I'd like to conduct private sales (as in not using a dealer) for both transactions. I am a novice at the used car business, and have an ac...
by lawman3966
Thu Dec 22, 2016 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: job loss, portfolio and retirement advise
Replies: 39
Views: 4420

Re: job loss, portfolio and retirement advise

To get some perspective, I entered your data into Firecalc with the following parameters: Assets: $941K ( including home equity) lawman3966, How could you include home equity as part of the asset for Firecalc? Until the house is old, the home equity generate no income. KlangFool How? Simple: Home e...
by lawman3966
Thu Dec 22, 2016 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: job loss, portfolio and retirement advise
Replies: 39
Views: 4420

Re: job loss, portfolio and retirement advise

To get some perspective, I entered your data into Firecalc with the following parameters: Assets: $941K (including home equity) SS income: $26K in eight years (i.e. in 2024); (the income amount can of course be adjusted based on when you start receiving SS benefits). Retirement period: 31 years (Aft...
by lawman3966
Wed Dec 21, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Cash in Extended Warranty for Used Car?
Replies: 0
Views: 226

Cash in Extended Warranty for Used Car?

I bought a used car (a 2014 Elantra, in case that's relevant) from Enterprise car sales about two years ago. I purchased a five-year EMRP extended warranty for $2,000. I have had no problems with the vehicle since purchasing it. I am now driving the vehicle very little - about 2,000 miles a year, an...
by lawman3966
Thu Dec 15, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Employer 401k to Rollover IRA in Retirement?
Replies: 13
Views: 1207

Re: Employer 401k to Rollover IRA in Retirement?

In general, 401K plans offer better creditor protection than IRAs, since 401Ks are officially "pension plans" under the Federal ERISA statute. Different states offer varying degrees of protection for IRAs, so you should check what protection is available in your state. One more note: in vi...
by lawman3966
Tue Nov 08, 2016 5:38 am
Forum: Investing - Theory, News & General
Topic: John Bogle Statistics
Replies: 21
Views: 2538

Re: John Bogle Statistics

Also he cites that on average active funds perform worse than passive funds due to high cost, turnover, taxes, etc.... What about an average active fund prior to costs? Wouldn't Professionals perform better than non professionals prior to costs? At the time Bogle's earlier books were written, a lar...
by lawman3966
Mon Oct 31, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Using Roth IRA Distribution to Keep MAGI Below ACA Subsidy Cut-off
Replies: 2
Views: 465

Re: Using Roth IRA Distribution to Keep MAGI Below ACA Subsidy Cut-off

The main drawback that occurs to me is that even if you remain below the subsidy cutoff point, you still decrease your subsidy for income increases through the range from 17K to 47K (for a single person).
by lawman3966
Fri Oct 21, 2016 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid or Obamacare
Replies: 21
Views: 2504

Re: Medicaid or Obamacare

I am in the process of making the same decision in my state of Washington. Numerous changes have taken place regarding the insurance company options, and the providers that are covered under each plan. In WA state, for example, you need several hyphenated words to describe the plan you have. One opt...
by lawman3966
Tue Sep 27, 2016 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: My broker has only assets slightly over 1 million USD, should I be worried?
Replies: 21
Views: 4495

Re: My broker has only assets slightly over 1 million USD, should I be worried?

Based on the above comments, a first order of business could be to call and verify the assets of your broker. I confess that I'm more concerned that you have a broker at all than that your broker has too few assets. As a Boglehead, I trade individual stocks rarely if at all. When I buy ETFs, I used ...
by lawman3966
Sun Sep 25, 2016 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: How much is free lifetime healthcare worth? [Start business in US or Canada?]
Replies: 22
Views: 2678

Re: How much is free lifetime healthcare worth? [Start business in US or Canada?]

I am a dual Canada-U.S. citizen, and current U.S. resident. I contemplated returning to Canada to get free health care but declined to for several reasons. Based on some initial estimates (exact numbers are hard to come by), I got the impression that I'd save about $5K (close to your health insuranc...
by lawman3966
Wed Sep 21, 2016 3:52 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones exodus from American Funds?
Replies: 52
Views: 7908

Re: Edward Jones exodus from American Funds?

three equity where they do take 2% of that small earned dividend value, but I have no knowledge of them charging any fee on the total value of my account? Are you are referring to the fund expense ratio (ER) here? If so I hope you realize that the 2% is not on the dividend, but on the entire amount...
by lawman3966
Wed Sep 21, 2016 3:43 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones exodus from American Funds?
Replies: 52
Views: 7908

Re: Edward Jones exodus from American Funds?

If I stay in American Funds am I risking a situation where I am 'left holding the bag' on a set of funds experiencing an 'exodus'? You are asking about the wrong concern. The stocks in the funds won't go down because of a transfer of assets from one mutual fund company to another. The concern, as a...
by lawman3966
Tue Aug 23, 2016 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 113
Views: 21351

Re: Retirement: Where $200K Will Last 30 Years

The title appears to assume that SS + $200K is a paltry sum and thus seeks out places where one can live on only that. I have met several people who live in the U.S. on SS (that term by itself incorporating a pretty wide range of incomes) without any capital in addition to their SS income. That said...
by lawman3966
Sat Aug 06, 2016 5:23 pm
Forum: Personal Consumer Issues
Topic: Cell phone and Carrier for Vancouver BC
Replies: 5
Views: 598

Re: Cell phone and Carrier for Vancouver BC

I have cricket and I get roaming in Canada. I'm on the $35 plan, so what I do is I upgrade my plan to the $45 one the day before I go to Canada and then I downgrade back when I come back. Works great. Just found out how I can do that what you recite above online. Thanks very much for this informati...
by lawman3966
Fri Aug 05, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Cell phone and Carrier for Vancouver BC
Replies: 5
Views: 598

Cell phone and Carrier for Vancouver BC

I expect to travel from WA state to Vancouver later this month. My understanding is that my Cricket service does not enable local roaming while in Canada. I would consider buying a separate cell phone for use in Canada, and am posting to get suggestions for reasonable prepaid service (if available) ...
by lawman3966
Tue Aug 02, 2016 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Job offer in Canada. UK expat, US tax-resident
Replies: 5
Views: 659

Re: Job offer in Canada. UK expat, US tax-resident

I am considering a position in Canada. It's very nebulous right now (might be Vancouver, might be Toronto). My knowledge of Canadian investment vehicles stops with the fact that the currency is a dollar with the Queen's head on it. I am a UK citizen who has lived in the USA for seven years. I learn...
by lawman3966
Thu Jul 28, 2016 7:44 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 4381

Re: Canada vacation

What is a good Montreal Metro station to pick for hotel search? We are planning to take Gray line tours. Montreal Metro Map. m Gray Line Montreal 1255 Rue Peel, Montréal, QC H3B 4V4, Canada m I once stayed at a place called the Residence Inn (I believe now owned by Marriott) on Lincoln avenue that ...
by lawman3966
Tue Jul 26, 2016 11:23 pm
Forum: Personal Consumer Issues
Topic: Weld broken car door or buy a new one
Replies: 17
Views: 1591

Re: Weld broken car door or buy a new one

I'd start shopping around online and junk dealers for a used door that would be a close color match to your vehicle if you're not in a rush. I would think you could get a used matching door, with shipping, for $500 or less. Maybe it would cost $100 - $200 to get a mechanic to swap out the bad door ...
by lawman3966
Tue Jul 26, 2016 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Reasonable Rate of Return for Local Business Venture
Replies: 9
Views: 1312

Reasonable Rate of Return for Local Business Venture

An acquaintance is involved in buying and reselling various types of household and recreational machinery (cars, boats, etc). He has invited me to join with his next purchase by lending the money for the initial purchase and getting repaid on the back end. In the past, he's worked with both equity a...
by lawman3966
Fri Jul 22, 2016 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Updated: Financing retirement before SS - when to retire
Replies: 21
Views: 3509

Re: Financing retirement before SS - when to retire

There are exceptions, but as a rule low-paying, part-time service jobs don't offer good health insurance. if you haven't priced in the cost of purchasing insurance through ObamaCare or directly through an insurance company into your expenses, then you are doing yourself a disservice. An emerging co...
by lawman3966
Fri Jul 22, 2016 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Updated: Financing retirement before SS - when to retire
Replies: 21
Views: 3509

Re: Financing retirement before SS.

It would be helpful to have your SS benefit amount at 62, 65, or at 70 to be able to better help you. You might also indicate whether you want to leave any portion of your $ 1.1 million nest egg to someone in your will. That said, depending upon how much you need to retire, you could retire now. I p...
by lawman3966
Mon Jun 27, 2016 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Loans to Friends
Replies: 73
Views: 4624

Re: Loans to Friends

Since the "saying 'No'" part has been covered, I want to address another point. Likely just an intellectual exercise, but hopefully it will have some value. Specifically, I am trying to understand what role you'd be playing as a hypothetical money lender in this situation. The loan would b...
by lawman3966
Thu Jun 16, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: uber with no smart phone?
Replies: 19
Views: 1930

Re: uber with no smart phone?

Per the article below, you can order Uber using a text message.

Apparently, Uber figured out that, at the time, 27% of U.S. adults did not have Smartphones.


http://www.forbes.com/sites/ellenhuet/2 ... f396f13df9
by lawman3966
Wed Jun 15, 2016 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Quality Longevity Annuity Contracts-QLACs
Replies: 9
Views: 1076

Re: Quality Longevity Annuity Contracts-QLACs

When I last investigated these, I recall being disappointed that the inflation adjustments for longevity insurance, sold with inflation riders, began only after the "delay period" that is, until payments started being received. This resulted in the payout amounts provided by the calculator...