Search found 357 matches

by abner kravitz
Sat Jan 05, 2019 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer IRA TO 401K
Replies: 9
Views: 527

Re: Transfer IRA TO 401K

LadyGeek wrote:
Sat Jan 05, 2019 2:43 pm

You can only rollover after-tax contributions from a 401(k) to a Roth IRA.
Is that right? I might be in trouble then. I have rolled over pre-tax contributions, and I thought that was allowed
by abner kravitz
Sat Jan 05, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2594

Re: Carryon for 7-day FL vacation?

Go commando and you'll save lots of luggage space.
by abner kravitz
Sat Jan 05, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Getting AT&T to Stop Charging Me.......
Replies: 12
Views: 1045

Re: Getting AT&T to Stop Charging Me.......

Do you live near an AT&T store? I would go there and deal with it.
by abner kravitz
Thu Jan 03, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 45
Views: 3350

Re: ug - seeking medical billing advice for ambulance ride

I would pay it and move on. $500 for an ambulance seems like a bargain based on bills I get for health care
by abner kravitz
Tue Dec 25, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 407
Views: 58172

Re: What NON frugal thing did you do today?

I bought a fancy Water Pic for $56.00 that I’m not sure I will like using...trying to do better with my dental care. :D WaterPik changed my life. It’s amazing how much gets in between your teeth. Good to know! My sister swears by it too....So, I’ll give it a whirl! Thanks... My periodontist told me...
by abner kravitz
Mon Dec 24, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 5723

Re: How much do you pay for cable/internet/cellphone

Cable/internet/ phone bundle - includes pretty much every channel and 100MB internet $219
Cell phones - two lines and 5GB data $75
NHL Center Ice - prorated $12
Netflix - $12

Total $318

If the time ever comes for budget cuts, this area will be first, but I'm not there at this point.
by abner kravitz
Sun Dec 23, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 399799

Re: What are you up YTD? [Year To Date]

I am down 5.1% YTD. I just rebalanced back to 60/40, but don't feel great about it. I think more pain is coming, but who knows.
by abner kravitz
Sat Dec 22, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1028
Views: 110151

Re: [What TV Show Have You Recently Watched?]

Just began Season 3 of Narcos. Will be interested to see how this season holds up given how Season 2 ended. I hope you will like it because I didn't. I thought it was excellent. Can't argue taste. Just started watching Dirty John on Bravo. It's about a wealthy woman who gets played by a scam artist...
by abner kravitz
Thu Dec 20, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Open social secuity
Replies: 40
Views: 2661

Re: Open social secuity

Does that make sense? Maybe I misunderstand, but that seems like a contradiction. Yes it does. In fact, I see that ObliviousInvestor (the author) posted while I was composing that message. Real is what matters. Nominal would just blow the numbers up so large as to distort our view of their future v...
by abner kravitz
Thu Dec 20, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Open social secuity
Replies: 40
Views: 2661

Re: Open social secuity

Does that make sense? Maybe I misunderstand, but that seems like a contradiction. Yes it does. In fact, I see that ObliviousInvestor (the author) posted while I was composing that message. Real is what matters. Nominal would just blow the numbers up so large as to distort our view of their future v...
by abner kravitz
Thu Dec 20, 2018 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Open social secuity
Replies: 40
Views: 2661

Re: Open social secuity

Question: Are the SS numbers given up thread taking account of inflation? This might be a built into the tool or the tool might ask for an inflation guess. If the numbers are in nominal dollars then when evaluating any alternative should be done using real returns which are perhaps 3%* lower than n...
by abner kravitz
Thu Dec 20, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Driving from MA to FL - recommendations?
Replies: 30
Views: 2037

Re: Driving from MA to FL - recommendations?

If you’re coming south down NYS Thruway I-90, going over Tappan Zee will bring you in to the Bronx. We have done the drive from Maine to NJ/PA many times. The Tappan Zee is the way to go. It doesn't bring you to the Bronx. The previous poster might be thinking of the George Washington Bridge, which...
by abner kravitz
Thu Dec 20, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19506

Re: Favorite Purchase of 2018?

New Weber Grill with the tank holder on the side. A great improvement over tank storage in a cabinet below the cooking surface, for me anyway.
by abner kravitz
Thu Dec 20, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Lap top recommendation
Replies: 42
Views: 2098

Re: Lap top recommendation

It's already been mentioned, but strive for SSD. I would never buy a laptop without one any more.
by abner kravitz
Thu Dec 20, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Driving from MA to FL - recommendations?
Replies: 30
Views: 2037

Re: Driving from MA to FL - recommendations?

I drive from the bottom of SC to MA/ CT a few times each year. I never take 95 any more. It is a NIGHTMARE from CT to VA. The 81/77 route is over 100 miles longer, but worth it to me; I have no doubt you make up the time, and the stress level is way lower. I take 2 days, and the stopover town is Sta...
by abner kravitz
Thu Dec 13, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22079

Re: What percentage of your net worth is your home equity?

Halicar wrote:
Thu Dec 13, 2018 1:08 pm
This thread is starting to remind me of the legendary bodybuilding.com thread with the argument over how many days are in a week :D

https://forum.bodybuilding.com/showthre ... =107926751
That was awesome, thanks.
by abner kravitz
Thu Dec 13, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 160
Views: 10650

Re: Robinhood to launch 3% Checking & Savings Accounts

While 3% is tempting, a waiting list is a non-starter for me.
by abner kravitz
Thu Dec 13, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: MLP's [Master Limited Partnership]
Replies: 26
Views: 1642

Re: MLP's

It is a lot easier tax-wise to own an ETF (like AMLP) or an ETN (AMJ) in this space - no K1 nonsense. I have owned a small amount for quite a few years, and taxation is no more difficult than any other security. Income has been pretty good, but overall performance has not been spectacular for me. I ...
by abner kravitz
Fri Nov 16, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 3680

Re: Home sale etiquette: wall repair

I sold a condo once and patched all the holes but didn't repaint. I left matching paint. The buyer's realtor was livid and demanded $1,000 (then $300) after the walkthrough. I didn't pay, but I learned a lesson. Just leave it.
by abner kravitz
Mon Nov 12, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring stocks from Computershare?
Replies: 7
Views: 519

Re: Transferring stocks from Computershare?

Was there any fee from computershare for transferring out? I have transferred shares to Fidelity every year for a while now, and have never been charged. You can initiate the transfer on Fidelity's website, it's pretty easy. Just look for "transfer assets" and follow the instructions. They have alw...
by abner kravitz
Mon Nov 12, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2836

Re: How long have you had, or did you have, your HP-12C calculator?

I've had mine since 1985. I also have a mock 12C on my i-phone, which I use much more frequently. It looks and works just like the real thing (at least for the calculations I use) - I think it cost around $10 a few years back.
by abner kravitz
Thu Nov 01, 2018 8:24 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 399799

Re: What are you up YTD? [Year To Date]

I am up .53% for the year. 60/40 with a lot of stable value in the 40.
by abner kravitz
Sun Oct 28, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1028
Views: 110151

Re: [What TV Show Have You Recently Watched?]

BigFoot48 wrote:
Fri Oct 26, 2018 8:25 am
Bodyguard on Netflix is starting out very good with intense action scenes, although the lead's Scottish accent is a bit hard to understand occasionally.
I would suggest using subtitles. I never watch a British show without them.
by abner kravitz
Wed Oct 10, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group: New Advisor
Replies: 17
Views: 1913

Re: Fidelity Private Client Group: New Advisor

Mine has changed several times, and I've never been notified by the one leaving. I couldn't care less. I might be bothered if I was paying a fee for advice.
by abner kravitz
Mon Oct 08, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Can we safely retire early?
Replies: 18
Views: 3372

Re: Can we safely retire early?

From my seat in the peanut gallery, I think you are a little light to retire in the mid-40s. That's a lot of years, and you would be starting off drawing over 4%. Certainly possible, but not what I would consider "safe". Health care is a huge unknown.
by abner kravitz
Mon Oct 08, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs
Replies: 23
Views: 2345

Re: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs

NavyIC3 wrote:
Mon Oct 08, 2018 6:25 am
Isn't the 1.8% net of expenses meaning that is the actual yield you would get?
For example, if I have $1000 in a MM yielding 1.8%, I would collect $18 in interest at the end of 1 year. Am I right in my thinking?
I believe so.
by abner kravitz
Tue Oct 02, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: In retirement
Replies: 22
Views: 2411

Re: In retirement

Okay. I have adjusted gross income of 66 grand. As per IRS form 1040 (from 2017) Married (no kids). Wife 69 and I (65) are not yet collecting social security. 11 grand - Taxable Interest (schedule B) 37 grand - Ordinary dividends (of which 12 grand are Qualified dividends) 14 grand - Pension 7 gran...
by abner kravitz
Tue Sep 25, 2018 5:20 am
Forum: Personal Consumer Issues
Topic: How to Get Rid of My Unauthorized “Two Year Contract” With Verizon
Replies: 21
Views: 2614

Re: How to Get Rid of My Unauthorized “Two Year Contract” With Verizon

Small Law Survivor wrote:
Sun Sep 23, 2018 4:24 pm


At this point I’d like to get rid of Verizon altogether (Comcast is an option), but i’m trapped in this ridiculous two year contract.
Kind of like choosing between lethal injection and firing squad...
by abner kravitz
Mon Sep 24, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5834

Re: Ripped off by a locksmith

I used to have an electronic lock with keypad on my vacation home, for hassle-free renter and guest access. I don't have a vacation home anymore, but I got an electronic lock for my regular home. I wouldn't do without one now. Can you recommend one? I have only used the Schlage FE575, but I've been...
by abner kravitz
Mon Sep 24, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5834

Re: Ripped off by a locksmith

I used to have an electronic lock with keypad on my vacation home, for hassle-free renter and guest access. I don't have a vacation home anymore, but I got an electronic lock for my regular home. I wouldn't do without one now. Anyway, if I was quoted $100 to $150, I would assume it was going to be $...
by abner kravitz
Sun Sep 23, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 9645

Re: Delaying Social Security Until 70

Our plan is wife claims her smaller benefit at FRA. That way her eventual spousal benefit will not be reduced. I'll claim at 70. Unfortunately we missed the restricted filing options, otherwise our strategy might have been different (and better). We both expect to have more or less average lifetime...
by abner kravitz
Thu Sep 20, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1422

Re: Painting kitchen cabinet

I repainted our cabinets using the Rustoleum Kitchen Cabinet Kit. The result was pretty darn good, but it was a lot of work. It helps a lot if you have a big indoor staging area, like a garage. Total cost was probably about $300, including all new hinges.
by abner kravitz
Tue Sep 18, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1028
Views: 110151

Re: [What TV Show Have You Recently Watched?]

American Vandal Season 2 on Netflix. It's a spoof of true crime documentaries. It is silly, but I am enjoying it.
by abner kravitz
Tue Sep 18, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Negotiate Washington Post Subscription
Replies: 15
Views: 1754

Re: Negotiate Washington Post Subscription

I don't know if this helps you, but an online subscription is $4 a month if you have Amazon Prime, after 6 free months
by abner kravitz
Sun Sep 16, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1431

Re: Embarking on a large-scale home update

Keep a bathtub. You never know.
by abner kravitz
Thu Sep 13, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Online Secure Storage - FidSafe vs other options
Replies: 5
Views: 540

Re: Online Secure Storage - FidSafe vs other options

I use FidSafe. I find it very easy to use. I store copies of receipts, medical records, etc. I do cross out my SSN if it is on any document (which is rare), so if there is ever a breach it is not a huge deal to me. I assume it is secure, but I am not a tech expert.
by abner kravitz
Tue Sep 11, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4114

Re: How often do you guys get alignment done on your cars?

I have never had one done, outside of any tire installations that included it as part of the deal. You sure? there's a difference between "mount and balance" and an alignment, which usually incurs a hefty extra cost Yes, I'm sure. Some tire and auto shops include an alignment, but you don't get a W...
by abner kravitz
Tue Sep 11, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4114

Re: How often do you guys get alignment done on your cars?

I have never had one done, outside of any tire installations that included it as part of the deal.
by abner kravitz
Mon Sep 03, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: F2 Tornado just slammed our area - Any way to recover expenses?
Replies: 18
Views: 1580

Re: F2 Tornado just slammed our area - Any way to recover expenses?

If your area was declared a Federal Disaster Zone, maybe FEMA would help. I know they spent millions for tree damage in my area after a hurricane. I don't really know the rules or if it would cover your type of loss, but that's the only thing I can think of. I would contact my local government first...
by abner kravitz
Mon Sep 03, 2018 5:54 am
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6979

Re: Walmart is not Amazon

I think they have had some growing pains but are getting better. In the past, I have had 4-item orders come in 4 boxes on 4 different days, but that doesn't happen anymore. I always compare with Amazon, because often they are cheaper, and sometimes the price difference is significant. I've never had...
by abner kravitz
Fri Aug 17, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3934

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

My cash management account only has FDIC sweep available as the core position. How do you set up the account using money market? Do you just purchase the fund? How do you get it to auto liquidate when cash is needed? Thanks. Yes, just buy SPRXX (or another Fidelity MMF) and it will be liquidated as...
by abner kravitz
Fri Aug 17, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3934

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

My cash management account only has FDIC sweep available as the core position. How do you set up the account using money market? Do you just purchase the fund? How do you get it to auto liquidate when cash is needed? Thanks. Yes, just buy SPRXX (or another Fidelity MMF) and it will be liquidated as...
by abner kravitz
Sun Aug 12, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3673

Re: Cleaning gas grill

We do a lot of grilling now with a cast iron skillet right on the grill. Cuts way down on cleaning, and steaks and burgers come out great.
by abner kravitz
Thu Aug 09, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1028
Views: 110151

Re: [What TV Show Have You Recently Watched?]

Watched the first episode of Succession. We weren't sure as it started, and almost turned it off, but couldn't quite do it. That was our feeling through the entire episode. Now we aren't sure we want to bother with Episode 2. But... we aren't sure we *don't* want to watch Episode 2. Oddly torn. RM ...
by abner kravitz
Mon Jul 23, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: AT&T Stock?
Replies: 20
Views: 2786

Re: AT&T Stock?

I own a chunk that I received as compensation, but have been selling it off in pieces. T's debt load is pretty scary. I believe they will not cut the dividend except as an absolute last resort, but I wouldn't look for a lot of capital appreciation here. I also sold some Hasbro last week, and its up ...
by abner kravitz
Wed Jul 18, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 49
Views: 3466

Re: suit shoe combo?

Jack FFR1846 wrote:
Wed Jul 18, 2018 1:33 pm
If you don't mind those who might not know you later talking and identifying you as "the clown with the red sneakers", then go for it.
+1
by abner kravitz
Fri Jul 06, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 55
Views: 8473

Re: Fidelity cash position

mattsm wrote:
Fri Jul 06, 2018 2:50 pm
Does Fidelity automatically liquidate this to cover expenses?
I believe they will only automatically liquidate money market funds. That is what the Fidelity rep told me today.