Search found 243 matches

by euroswiss
Sun Oct 29, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 21151

Re: What was the main reason you retired?

1. Time >>>> money 2. I could I did some quick math and best I can tell the days I work are 24 hours long as are my weekend days and my research shows the days during my retirement will be 24 hours long so unless I have something better to do with my time (#4, #5, #7, #8 or #9) I would think time t...
by euroswiss
Sun Oct 29, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 49
Views: 5981

Re: Interesting twist to "Free 2-day shipping" at Walmart

By the same token some amazon prices are inflated to cover the “free shipping”. That is undoubtedly true. I just thought it was pretty cheesy for Walmart to somehow imply you get this extraordinary deal when you order online and then pick up at the store, when in fact it turns out to be the regular...
by euroswiss
Sun Oct 29, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 49
Views: 5981

Re: Interesting twist to "Free 2-day shipping" at Walmart

Since various prices are all FREE, they could give more options: $5.56 for FREE in-store pickup $6.64 for FREE 2-day delivery $12.89 for FREE 1-day delivery $38.89 for FREE 4-hour delivery $298.44 for FREE delivery by zeppelin courier $999.99 for FREE delivery by zeppelin courier with marching band...
by euroswiss
Sun Oct 29, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Interesting twist to "Free 2-day shipping" at Walmart
Replies: 49
Views: 5981

Interesting twist to "Free 2-day shipping" at Walmart

I was just getting ready to place an order online at Walmart.com when I noticed that the item I was ordering had two prices. Price #1 ($6.64) when shipped "FREE 2DAY SHIPPING" to my door, and Price #2 ($5.56) for "Free Pickup at the Store". As it turns out, Price #2 is the regular price at the Walma...
by euroswiss
Sun Oct 29, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 21151

Re: What was the main reason you retired?

What was the main reason you retired? Here are some examples of reasons I assume one would retire: 1) Hit your number 2) The amount of your contributions no longer made a meaningful difference in the size of your portfolio 3) Lost the motivation to pursue money 4) Had enough of your work environmen...
by euroswiss
Sun Oct 29, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: VG free turbo tax?
Replies: 26
Views: 3070

Re: VG free turbo tax?

retiredjg wrote:
Sun Oct 29, 2017 8:30 am
It seems that the "free" tax software is usually something you do on-line, not downloaded to your machine. Be sure that is what you want.
Sometimes that is true, but the Fido offer is/was an actual download to your machine.
by euroswiss
Sun Oct 29, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: VG free turbo tax?
Replies: 26
Views: 3070

Re: VG free turbo tax?

Fidelity does not offer free TT either. Last year Fidelity offered a discount on TT. When I looked into it, I could get the same discount from Amazon so no big deal. Maybe Fidelity has different perks for super sized accounts. I am more minnow sized than whale sized. I think it may depend on how ma...
by euroswiss
Sun Oct 29, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 7317

Re: Retirees: which websites do you spend the most time on?

midareff wrote:
Sun Oct 29, 2017 9:14 am
I get all my news online.... CNBC, Fox, BBC, ESPN and others. I also visit this site frequently and check our banks, credit cards and such regularly.
Pretty similar here: mostly news and shopping
by euroswiss
Sun Oct 29, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Stucco vs Brick
Replies: 10
Views: 1705

Re: Stucco vs Brick

What area are you in? I think this is important. Stucco seems to have durability issues in wet and humid climates. I agree - it all depends on what the standard is around you. If you are in SoCal and all the houses around you are stucco, then trying to sell a brick home is difficult (aside from the...
by euroswiss
Sat Oct 28, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: VG free turbo tax?
Replies: 26
Views: 3070

Re: VG free turbo tax?

I'm fairly new to this board so I hope I'm not committing heresy, but Fido still offers the free Turbo Tax perk (well, at least they did for the 2016 tax year). 8-)
by euroswiss
Sat Oct 28, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 78
Views: 12567

Re: Fidelity Rewards Visa Card

I've used this card for over 10 years now. In the past you had to deposit the rewards into a Fidelity IRA account to get 2.0%; otherwise the reward was only 1.5%. Still, pretty good! Since I'm retired and have no earned income, depositing the reward into an IRA wasn't an option for me. As you say, ...
by euroswiss
Sat Oct 28, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Mold remediation quote
Replies: 29
Views: 1679

Re: Mold remediation quote

I will repost the photos, since I initially screwed it up. I should also note that half of the vents are in rooms with plaster walls and ceiling, the other half with drywall. https://www.dropbox.com/s/ste9kqubk3zstof/Photo%20Oct%2028%2C%201%2017%2008%20PM.jpg?dl=0 https://www.dropbox.com/s/bkber21e...
by euroswiss
Sat Oct 28, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Mold remediation quote
Replies: 29
Views: 1679

Re: Mold remediation quote

Can you post some pictures? From what you describe (especially with "common and benign mold"), it sounds to me like you are overreacting, and the mold remediation company is taking advantage of you. If I were you, I would get several more opinions on this - especially on the need to bring in such ex...
by euroswiss
Fri Oct 27, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 11149

Re: Can I retire today?

Dear Friends, I do believe my narcissist sociopath of a boss has finally done the trick today. I am ready to tell him to stick his job up his asset allocation, and post-haste. I'm pretty sure I have the resources to do this, having consulted a few calculators and whatever common sense I may have, b...
by euroswiss
Fri Oct 27, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?
Replies: 27
Views: 2411

Re: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?

If you are heading to Interlaken and Zematt, do take in Crans-sur- Sierre. Also, Brienz. Near Garmisch is Lermoos, which we used as a nice base years ago. Definitely do Jungfrauhoch. Salzburg? No. Berchtesgaden? Yes. There is an interesting salt mine nearby. Can’t really go wrong in Switzerland, Au...
by euroswiss
Fri Oct 27, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: SS citizenship question
Replies: 11
Views: 1181

Re: SS citizenship question

hoops777 wrote:
Fri Oct 27, 2017 12:34 pm
My wife just found the certificate :D :D :D :D :D :D :D :D :D :D !!!
Good for YOU, hoops777! :sharebeer

However, I'm still interested in knowing why the naturalization date matters? Do the contributions made BEFORE someone becomes a citizen somehow not count, or count differently?
by euroswiss
Fri Oct 27, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: N.Carolina 529 no longer state tax decuctible
Replies: 31
Views: 4242

Re: N.Carolina 529 no longer state tax decuctible

Is the Wiki not complete on this? I had assumed that any state not on this list did not do a recapture: https://www.bogleheads.org/wiki/529_plan_recapture_tax_on_rollovers The Wiki is very much out of date, unfortunately. Doesn't even list NC I think I have found a more comprehensive compilation of...
by euroswiss
Fri Oct 27, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: N.Carolina 529 no longer state tax decuctible
Replies: 31
Views: 4242

Re: N.Carolina 529 no longer state tax decuctible

feehater wrote:
Fri Oct 27, 2017 10:28 am
Is the Wiki not complete on this? I had assumed that any state not on this list did not do a recapture:
https://www.bogleheads.org/wiki/529_pla ... _rollovers
The Wiki is very much out of date, unfortunately. Doesn't even list NC
by euroswiss
Fri Oct 27, 2017 9:41 am
Forum: Non-US Investing
Topic: Euros to USD
Replies: 3
Views: 649

Re: Euros to USD

Getting the best possible exchange rate is much more important than saving a $10 transaction fee. I have had reasonable experience with bank to bank transfers (your #2). I would advise against traveling with cash - first, you may need to make several trips because there are limits on cash you can br...
by euroswiss
Fri Oct 27, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: N.Carolina 529 no longer state tax decuctible
Replies: 31
Views: 4242

Re: N.Carolina 529 no longer state tax decuctible

So if there are some years to go before drawing down, or you think you might let it keep growing for a later generation, it may be worth the move, but keep in mind if you contributed in the tax-deduction years that North Carolina will likely claw back that tax deduction if you roll it out of the st...
by euroswiss
Thu Oct 26, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: N.Carolina 529 no longer state tax decuctible
Replies: 31
Views: 4242

Re: N.Carolina 529 no longer state tax decuctible

Hi, I'm relatively new to the board, so I'm not sure what forum rules are with regard to "reviving" old threads - if this one is too old, I'm happy to start a new one. Has anyone done a rollover of NC529 into some other state 529? Is it now clear that there is no recapturing provision for North Caro...
by euroswiss
Thu Oct 26, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Morningstar names best 529 college savings plans for 2017"
Replies: 17
Views: 4180

Re: "Morningstar names best 529 college savings plans for 2017"

I recently opened a ny 529, but am not a resident of ny. So my question is whether I should move my money to another fund, or just stick it out. Seems like ny still has some of the lowest fees .... but a downgrade to bronze seems worrisome. From Morningstar: Lastly, we downgraded New York's direct-...
by euroswiss
Wed Oct 25, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Contribute to spouse's Roth?
Replies: 22
Views: 2519

Re: Contribute to spouse's Roth?

Actually, DW doesn't need any income. As long as your joint earned income is greater or equal to the amount you are contributing and you file a joint return, it doesn't matter what each spouse earned. And your grandma could provide the contribution, it doesn't even have to come from you. Thank you,...
by euroswiss
Wed Oct 25, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Contribute to spouse's Roth?
Replies: 22
Views: 2519

Re: Contribute to spouse's Roth?

Your spouse's Roth administrator doesn't care whose check funds the account. As long as DW has enough earned income, and you know her account number, you can fund it without her even knowing it ahead of time (obviously, she will know when she checks her balance...). Jack: not sure I understand why y...
by euroswiss
Wed Oct 25, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Magic Jack Go vs Obihai obi200- which one as landline replacement?
Replies: 37
Views: 6678

Re: Magic Jack Go vs Obihai obi200- which one as landline replacement?

Looking to replace current VOIP landline from cable TV. Want to keep current "landline" phone number. Trying to understand which of these would be a better choice. Most important factors are 1) functionally acts like our current landline (want to keep using our current handsets, 2) cost, 3) keep cu...
by euroswiss
Tue Oct 24, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Declaring Consulting Income from abroad
Replies: 4
Views: 562

Re: Declaring Consulting Income from abroad

I would think that the proper way to handle this would be to declare the income as "business income" on Schedule C. This would allow you to deduct any associated expenses, and also justify any IRA contributions. You may need to pay SS payments on Schedule SE. Thanks - sounds reasonable. Any thought...
by euroswiss
Tue Oct 24, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Declaring Consulting Income from abroad
Replies: 4
Views: 562

Declaring Consulting Income from abroad

I have been doing some freelance consulting for a London lawfirm (as expert witness). I'm typically paid by a bank transfer and I was told by the lawfirm's accountant that they do not plan on issuing any tax documents at the end of the year. So, should I declare this income, and if so, how? Let me b...
by euroswiss
Tue Oct 24, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan: To Pay or Not to Pay: That is the Question
Replies: 33
Views: 4761

Re: Student Loan: To Pay or Not to Pay: That is the Question

hightower wrote:
Mon Oct 23, 2017 8:56 pm
If it’s bothering your SO, just get rid of it. It’s not that much and wont make much of a difference either way in the long run.
Agreed - this is a BIG factor!
by euroswiss
Tue Oct 24, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan: To Pay or Not to Pay: That is the Question
Replies: 33
Views: 4761

Re: Student Loan: To Pay or Not to Pay: That is the Question

Last Question...is it better to wait till Jan 2018 to sell the ESPP vs. selling it at the end of 2017...so, I can defer the taxes owed to 2019? thanks! Sounds like you have reduced or no W2 income in 2017 (no job right now, right?) and you expect to get employed soon, so you may be better off selli...
by euroswiss
Tue Oct 24, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 14933

Re: how long did it take to get used to retirement

I'm late to the thread and I haven't read all the answers, so apologies if I'm duplicating. retired 18 months ago at 56 and honestly never looked back. I loved it from day 1 and still do. I retired from a very enjoyable and well-paid job, so it wasn't that I had to get away from a bad situation. Jus...
by euroswiss
Tue Oct 24, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: HELP! Possible Mold in House
Replies: 14
Views: 2060

Re: HELP! Possible Mold in House

A month or so ago my wife who has always had asthma had an asthma episode... "A month or so ago" is peak allergy season in many parts of this country. Mold is the new radon these days as far as potential money making from homeowners go. Agreed. If you want to break your lease then talk to your land...
by euroswiss
Sun Oct 22, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Shedding Trees
Replies: 24
Views: 1882

Re: Shedding Trees

If things go really bad you can have an attorney send a letter summarizing the problem and then holding the neighbor liable for severe damages such as large limbs falling on your fence, porch, roof, or people. The letter doesn't require anything on the neighbor's part but puts them on notice where ...
by euroswiss
Sun Oct 22, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Best bathroom fan choice?
Replies: 16
Views: 1405

Re: Best bathroom fan choice?

My timers have 15, 30, 60 minute buttons. So that the bathroom can continue to exhaust moisture and smells long after the user is gone. This also makes sure there isn't moist air sitting in the exhaust run, subject to condensation. If the run is longer, moisture condensing can create a little mold ...
by euroswiss
Sun Oct 22, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Best bathroom fan choice?
Replies: 16
Views: 1405

Best bathroom fan choice?

I need to replace my bathroom fan and I'm strongly considering a fan with moisture sensor in order to minimize buildup of mildew in exposed spots (grout, caulking, etc). I need about 80-100cuft capacity and the fan should be reasonably quiet. I also need a light as I don't have/want to yet another f...
by euroswiss
Sun Oct 22, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Shedding Trees
Replies: 24
Views: 1882

Re: Shedding Trees

Definitely, check the local regulations, but in most communities, there is very little you can do, other than trim back anything that is on your side of the property line (branches and roots). Sometimes, your insurance company might be of assistance but typically, they won't. This is especially true...
by euroswiss
Sat Oct 21, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 6236

Re: What service do you pay for that you could easily do yourself?

car detailing - I do it about once every two or three year..... :mrgreen:
by euroswiss
Thu Oct 19, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Pant Recommendations (Business Casual)
Replies: 42
Views: 3875

Re: Pant Recommendations (Business Casual)

I work in a business casual environment, but struggle to find pants that I like to wear on a regular basis. I wear a 36 waist, but most business casual pants always seem tight around the waist to me (I don't seem to have this issue with jeans and other casual pants). I haven't tried a pair on, but ...
by euroswiss
Thu Oct 19, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 57
Views: 7149

Re: WiFi [extender]

I just bought the NETGEAR Nighthawk X4 AC2200 WiFi Range Extender (EX7300). It is not cheap ($145 or some such), but I was VERY impressed with the ease of setup and the WiFi range! extends 2 bands.
by euroswiss
Mon Sep 11, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: eBay Best Offer Strategy
Replies: 19
Views: 3879

Re: eBay Best Offer Strategy

My yard sale technique is this. Offer half (or less) what they are asking. If they come back with a counter then I offer less than my 1/2 (or less) offer. They usually look at me oddly and I turn to leave. Most of them accept my 1/2 (or less) offer immediately. Thank you for your post, Mr. Presiden...
by euroswiss
Sun Sep 03, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Tree damaged our fence, what to expect.
Replies: 11
Views: 1413

Re: Tree damaged our fence, what to expect.

A dead tree on the wooded property behind us fell and took out a few sections of our chain link fence. The property owner has property and several businesses in town. Some years back a large limb damaged one section and we just found a guy to fix it for a couple hundred bucks, though we'd gotten qu...
by euroswiss
Fri Sep 01, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Best place to sell my used iPhone?
Replies: 28
Views: 3712

Re: Best place to sell my used iPhone?

ChiefIlliniwek wrote:
Sat Aug 19, 2017 8:25 am
Check out Swappa. I just sold 2 phones on there and the process was much better than eBay.
I can second that suggestion. I just sold two phones and ended up with very good deals. Agree that the process is simpler than eBay
by euroswiss
Fri Sep 01, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: MagsforMiles Magazine Subscriptions
Replies: 4
Views: 928

Re: MagsforMiles Magazine Subscriptions

runner3081 wrote:
Fri Sep 01, 2017 4:09 pm
I have found that two copies will come. They do not extend them.
Same here - did this by accident and ended up getting duplicates for the entire year... :oops:
by euroswiss
Fri Sep 01, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 56
Views: 6231

Re: Driving a car Italy, any suggestion?

Thanks for all replies. I got a Garmin GPS with Europe map. IDP from AAA. Will pay attention with ZDL (the red cycle). Get car from airport and direct to north (skip Rome). Return car to Rome and take shuttle to city center. Just did the same thing in Milan. Hotel on the outskirts and then train/su...