Search found 9500 matches

by sport
Mon Aug 24, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Can any people who shop/deliver for Instacart give me a shoppers-eye view...
Replies: 17
Views: 2169

Re: Can any InstaCart shoppers give me a shoppers-eye view...

I used to have an Instacart account, but I deleted it in May, 2020 after my experience with an order from Costco, shopped and delivered by Instacart. The shopper left her shopping receipt in one of my packages, allowing me to see the price she was charged. (All other orders I had placed through Ins...
by sport
Sun Aug 23, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Can any people who shop/deliver for Instacart give me a shoppers-eye view...
Replies: 17
Views: 2169

Re: Can any InstaCart shoppers give me a shoppers-eye view...

I have one item that has been shopped incorrectly multiple times. So, what I have done is send a note to the shopper while he/she is shopping and ask them to verify that the item is what I requested. For example: "Just to verify, is that jar of applesauce the 32 ounce size?" I have found this works ...
by sport
Sat Aug 22, 2020 10:13 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11818

Re: PSA: switch to LED light bulbs and save hundreds per year

I have some indoor flood lights in my kitchen ceiling. I believe they are PAR30 size. I am using 1000 lumen incandescent bulbs because the LED replacements I have found are only 850 lumens, and I want the amount of light I have. Here is one that is 1050 lumens. https://www.1000bulbs.com/product/998...
by sport
Sat Aug 22, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11818

Re: PSA: switch to LED light bulbs and save hundreds per year

I have some indoor flood lights in my kitchen ceiling. I believe they are PAR30 size. I am using 1000 lumen incandescent bulbs because the LED replacements I have found are only 850 lumens, and I want the amount of light I have.
by sport
Sat Aug 22, 2020 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5
Replies: 41
Views: 5532

Re: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5

We used our Vanguard IRA last year for QCD distributions, but did it slightly differently than having Vanguard issue the check (which is likely Vanguard's preference). We have a checking account on the IRA account (which you can also do at Fidelity and Schwab) and write the checks out ourselves to ...
by sport
Sat Aug 22, 2020 5:48 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11818

Re: PSA: switch to LED light bulbs and save hundreds per year

I have found that the LED bulbs tend to flicker when used with a dimmer switch, even though the package says "dimmable". Perhaps my dimmer switches need an upgrade.
by sport
Sat Aug 22, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11818

Re: PSA: switch to LED light bulbs and save hundreds per year

At our California electricity rates of about $0.30 per kwH... Wow! I am paying a shade less than $0.05 per kwh. You probably run your heater and air conditioner a lot more, too. The heat is natural gas. We have been using the AC a lot these last two months. The monthly electric bill has been about ...
by sport
Sat Aug 22, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11818

Re: PSA: switch to LED light bulbs and save hundreds per year

I tried to switch to Fluorescent light bulbs to save money. But then the dang things failed so often. I wasn't sure if I saved anything switching to Fluorescent light bulbs. LED light bulbs are a different story. Now, I think I can actually save some pennies. When we moved into our house 14 years a...
by sport
Sat Aug 22, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11818

Re: PSA: switch to LED light bulbs and save hundreds per year

BluesH wrote: Sat Aug 22, 2020 4:29 pm At our California electricity rates of about $0.30 per kwH...
Wow! I am paying a shade less than $0.05 per kwh.
by sport
Sat Aug 22, 2020 3:37 pm
Forum: Investing - Theory, News & General
Topic: When should one share financials with their children?
Replies: 205
Views: 13277

Re: When should one share financials with their children?

Now I'm curious. I would appreciate it if somebody would either post or PM me a county/state that does post up to date mortgage balances as public information. I would really like to see this. In my county, the Fiscal Officer shows assessed values, sale transactions, taxes, etc. https://fiscaloffic...
by sport
Sat Aug 22, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 140
Views: 13429

Re: Is it worth to relocate for retirement?

randomguy wrote: Sat Aug 22, 2020 1:36 pm Can't avoid sales taxes as I like to eat:).
Groceries are tax free in Ohio. :mrgreen:
by sport
Sat Aug 22, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 140
Views: 13429

Re: Is it worth to relocate for retirement?

I'm struggle a lot with making this decision. I am in NJ the most expensive real estate tax state in the country and state taxes are among the highest too. U.S. states with the highest property taxes in 2018 New Jersey: $8,780 Connecticut: $7,222 New York: $6,947 New Hampshire: $6,253 Massachusetts...
by sport
Sat Aug 22, 2020 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5
Replies: 41
Views: 5532

Re: Quick, Efficient Way to Make a QCD from a Vanguard IRA when 70.5

We used our Vanguard IRA last year for QCD distributions, but did it slightly differently than having Vanguard issue the check (which is likely Vanguard's preference). We have a checking account on the IRA account (which you can also do at Fidelity and Schwab) and write the checks out ourselves to ...
by sport
Sat Aug 22, 2020 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs Fido vs Schwab as corporate trustee
Replies: 30
Views: 1688

Re: Vanguard vs Fido vs Schwab as corporate trustee

Vanguard as a trustee would presumably invest in Vanguard's low cost index funds. What would Fido and Schwab invest your money in? If their fees are lower, but they invest in costlier investment products, they may turn out to be more expensive than meets the eye.
by sport
Fri Aug 21, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 140
Views: 13429

Re: Is it worth to relocate for retirement?

You may find that from a tax standpoint, it makes little difference. If you save on income taxes, you may spend more on real estate and sales taxes, etc. IMO, what is more important is the cost of living. If you move from a HCOL area to a lower COL area, your money will go a lot further.
by sport
Fri Aug 21, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8638

Re: A primer on backup battery systems for power outages

Think about this. There are tens of millions of vehicles on the road in the U.S. alone, virtually all of which have lead acid batteries stored right next to large internal combustion engines that get quite hot, and yet battery accidents in even this situation of any kind are extraordinarily rare. E...
by sport
Wed Aug 19, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: Anyone noticed La-Z-Boy quality has declined?
Replies: 31
Views: 2809

Re: Anyone noticed La-Z-Boy quality has declined?

We have a La-Z-Boy rocker recliner we bought in 1971! The upholstery and mechanism are still in excellent condition. We paid $99 for it at a department store warehouse sale.
by sport
Tue Aug 18, 2020 10:24 pm
Forum: Personal Consumer Issues
Topic: Move to NE Ohio?
Replies: 71
Views: 4423

Re: Move to NE Ohio?

If you want to get a feel for the real estate market in the Cleveland area, take a look at the business pages in any Sunday edition of the Cleveland Plain Dealer. Each week, they print a listing of real estate transactions for each community in the county. The listings are not complete due to space ...
by sport
Mon Aug 17, 2020 6:58 pm
Forum: Personal Consumer Issues
Topic: Secondary market for cemetery plots?
Replies: 3
Views: 473

Re: Secondary market for cemetery plots?

Depending on the terms and conditions that applied when these lots were purchased, they may, or may not be able to be sold. You may have a deed to those lots, or you may just have burial privileges.
by sport
Mon Aug 17, 2020 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Donating stock
Replies: 25
Views: 897

Re: Donating stock

Hi all I have an account with M1 Finance. I am trying to donate some shares I have in an account to my church who has an account at TD Ameritrade. Both sides M1 and Ameritrade are saying the transfer needs to be initiated by the other broker. Can I get some help with others who have gone through a ...
by sport
Mon Aug 17, 2020 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Donating stock
Replies: 25
Views: 897

Re: Donating stock

Hi all I have an account with M1 Finance. I am trying to donate some shares I have in an account to my church who has an account at TD Ameritrade. Both sides M1 and Ameritrade are saying the transfer needs to be initiated by the other broker. Can I get some help with others who have gone through a ...
by sport
Mon Aug 17, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Donating stock
Replies: 25
Views: 897

Re: Donating stock

Since the church will be receiving the donation, it is in their interest to make the transfer work. I suggest telling the financial person at the church about your problem and ask them what you have to do to get the donation to them. They should be able to determine what is required to allow the tra...
by sport
Sun Aug 16, 2020 10:23 pm
Forum: Investing - Theory, News & General
Topic: If bond/bank/cd rates go full negative, should you just go buy a bunch of stuff?
Replies: 22
Views: 2052

Re: If bond/bank/cd rates go full negative, should you just go buy a bunch of stuff?

It would certainly be discouraging to realize that money in my mattress was doing better than money in a CD or savings account. I would not increase consumption, but would look seriously at gold. Gold is interesting because it can hold value in relatively small denominations. I can put $100k into g...
by sport
Sun Aug 16, 2020 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursed Mileage IRS / Issue
Replies: 21
Views: 767

Re: Reimbursed Mileage IRS / Issue

Perhaps your supervisor can "go to bat" for you. The company should pay for getting the papers delivered if they want you to do that. I would escalate that as far as necessary to get a proper answer.
by sport
Sat Aug 15, 2020 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: IRA and generational tax burden
Replies: 11
Views: 815

Re: IRA and generational tax burden

If you take out extra money, you will lose the tax deferral on the growth/dividends/interest while you are alive as well as the the tax deferral on those items during the first 10 years your heirs have it.
by sport
Sat Aug 15, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7219

Re: new car purchase: any reason NOT to do 0% financing

There is an advantage to getting a lower price rather than cheap financing. If your car should happen to be wrecked or stolen, your insurance will pay pay off the loan. However, the advantage of the low interest rate would be lost. OTOH, once you get the lower price, that savings is yours to keep, n...
by sport
Sat Aug 15, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: precious metal sales and taxation.
Replies: 9
Views: 586

Re: precious metal sales and taxation.

The rule for any and all transactions (bank deposits as well) require an IRS -1099B for any single transaction equal or over $10,000. My understanding is that reporting is only required for cash transactions. If I walk into a B&M bank and buy a CD over 10K with a personal check, I do not believe an...
by sport
Sat Aug 15, 2020 9:06 am
Forum: Personal Finance (Not Investing)
Topic: precious metal sales and taxation.
Replies: 9
Views: 586

Re: precious metal sales and taxation.

The rule for any and all transactions (bank deposits as well) require an IRS -1099B for any single transaction equal or over $10,000. My understanding is that reporting is only required for cash transactions. If I walk into a B&M bank and buy a CD over 10K with a personal check, I do not believe an...
by sport
Fri Aug 14, 2020 10:48 pm
Forum: Personal Consumer Issues
Topic: Where to find a quality, lower cost muscle car
Replies: 92
Views: 5771

Re: Where to find a quality, lower cost muscle car

I had one of those when it was new, an SS396. It was my first new car when I started my first real job. It was cheaply made and very unreliable. If it was that bad when it was new, I can only imagine the problems you would have with an old one now. Good luck.
by sport
Fri Aug 14, 2020 9:36 am
Forum: Personal Finance (Not Investing)
Topic: More than 20% downpayment?
Replies: 10
Views: 585

Re: More than 20% downpayment?

When we bought our first house, I was young with good savings, but a modest income. We put 1/3 down to get the monthly payments to fit my earned income. That also allowed us to save/invest all of DWs earned income because we expected her to stop working when we started a family.
by sport
Thu Aug 13, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Strategy
Replies: 18
Views: 1573

Re: Gifting Strategy

If you make donations to charity, Dad could make those donations and consider the amounts part of your gift.
by sport
Wed Aug 12, 2020 3:41 pm
Forum: Personal Investments
Topic: VBTLX vs VFIDX
Replies: 22
Views: 1753

Re: VBTLX vs VFIDX

What are the fund's names?
by sport
Tue Aug 11, 2020 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Another question on Vanguard 1099-DIV
Replies: 30
Views: 1169

Re: Another question on Vanguard 1099-DIV

I can understand what's on a prepared tax form by searching and reading instructions if necessary. What I am not quite sure is whether I can proceed in the reverse direction with confidence. If I have certain possibly taxable items, I have to find out where those are applicable and how to enter the...
by sport
Mon Aug 10, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do when you won the game? Edited
Replies: 53
Views: 6680

Re: What did you do when you won the game?

We bought our one floor retirement house that cost more than the old one. We bought it about one year after I retired.
by sport
Mon Aug 10, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Ally Bank?
Replies: 8
Views: 1175

Re: Alternatives to Ally Bank?

I would just go to a local bank. If they will not let you open two joint accounts, you could open one account for you and one for DW. If you want both to be able to write checks, give each other signature authority, or the bank's POA. When my DW had a small business, we just found another local bank...
by sport
Sat Aug 08, 2020 11:55 am
Forum: Investing - Theory, News & General
Topic: Silver: The Forgotten Precious Metal?
Replies: 88
Views: 4925

Re: Silver: The Forgotten Precious Metal?

Perhaps the metal is not forgotten. Perhaps people remember "Silver Thursday." https://en.wikipedia.org/wiki/Silver_Thursday That was the day I put a $500 check in the mail to Vanguard for my first purchase of Windsor Fund. It was my first Vanguard investment. Computer access did not exist then.
by sport
Fri Aug 07, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: Another Toilet Question
Replies: 26
Views: 2479

Re: Another Toilet Question

Thanks to everyone for the information and suggestions.
by sport
Thu Aug 06, 2020 1:46 pm
Forum: Personal Investments
Topic: Can't get my head around bond funds
Replies: 32
Views: 2778

Re: Can't get my head around bond funds

The main reason for bond funds instead of individual bonds is diversification. In general, you do not want much risk in your bond holdings. However, if you want a higher yield than government bonds, you would look at corporate bonds. The problem with corporate bonds is that the company may have prob...
by sport
Wed Aug 05, 2020 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Building a new home (non-custom) Any advice from your experience?
Replies: 18
Views: 1212

Re: Building a new home (non-custom) Any advice from your experience?

- Paint - do not pay for multiple colors. Do pay to have the ceilings painted . Paint is cheap, easy and sweat equity, but if you pay them to paint multiple coats or multiple colors at the build, they charge a lot for it. Best upgrade I ever made in a new home was paint. The builders here all use s...
by sport
Wed Aug 05, 2020 2:41 am
Forum: Personal Consumer Issues
Topic: Another Toilet Question
Replies: 26
Views: 2479

Re: Another Toilet Question

It sounds like the bowl wax isn’t sealing. If they added tile floor later and pulled the toilet and reset it without a new wax ring it could leak. The wax ring will smash down between the toilet bowl and the closet ring, adding floor tile will raised the toilet higher. Some plumbers will add 2 bowl...
by sport
Tue Aug 04, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: Another Toilet Question
Replies: 26
Views: 2479

Another Toilet Question

Our house is 15 years old. It is built on a slab, so no basement or subfloors. The bathroom has 14" square ceramic tiles and we have noticed the grout next to the toilet, only on one side, is damp. There does not seem to be any odor involved. Would this indicate a problem with the wax ring? If not, ...
by sport
Tue Aug 04, 2020 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Building a new home (non-custom) Any advice from your experience?
Replies: 18
Views: 1212

Re: Building a new home (non-custom) Any advice from your experience?

We looked at a number of new homes when we bought our current home. As you say, some builders make upgrades very expensive. However, the builder of our present house did not try to make a profit on upgrades. We were able to buy things at "builder's prices". For example, we had an allowance for elect...
by sport
Tue Aug 04, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: when to pay estimated tax on roth conversion with Donor Advisor Fund
Replies: 7
Views: 358

Re: when to pay estimated tax on roth conversion with Donor Advisor Fund

No, you shouldn't have to pay in any more additional tax than you had planned previously if the income from the IRA and the deduction from the DAF essentially net each other out. Gill This is true if you have enough itemized deductions to exceed the standard deduction without the DAF deduction. I p...
by sport
Mon Aug 03, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Move to NE Ohio?
Replies: 71
Views: 4423

Re: Move to NE Ohio?

Not to hijack the thread but I got a job offer in the Painesville area, so I've been following closely. How far west, towards the city, would one consider living? Would downtown be an option or is getting out of the city in the morning and back in from Painesville in the evenings asking too much? I...
by sport
Mon Aug 03, 2020 9:41 am
Forum: Personal Finance (Not Investing)
Topic: I was looking at getting the 1% cash back discover card. How many of you use debit cards all the time?
Replies: 79
Views: 3987

Re: I was looking at getting the 1% cash back discover card. How many of you use debit cards all the time?

Credit card companies won't just cancel your card and refund fraudulent transactions unless there is a massive hacking of millions of accounts. Otherwise, you often have to prove you didn't do something, which is very difficult. That has not been my experience. The last time I had fraudulent claims...
by sport
Sun Aug 02, 2020 5:52 pm
Forum: Personal Consumer Issues
Topic: Move to NE Ohio?
Replies: 71
Views: 4423

Re: Move to NE Ohio?

In an earlier post, I suggested the Mayfield Heights area near the intersection of Rts 322 and 91. It is very close to the freeway entrance for I-271 Northbound which is a short distance to I-90 for your travels to the east. It is also close to a very good public library a couple miles to the north....
by sport
Sun Aug 02, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: "Hobby" Money: Planes, cars, boats etc...
Replies: 113
Views: 7471

Re: "Hobby" Money: Planes, cars, boats etc...

Some hobbies are expensive. Mine is very cheap. When the pandemic ends, I expect it to cost me about $20 per week. It has no effect on my finances.
by sport
Sun Aug 02, 2020 11:27 am
Forum: Personal Investments
Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
Replies: 47
Views: 4124

Re: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again

Years ago, I had check writing on my taxable MM fund. This was in the days before computer access. When computer access became available, I was able to easily transfer money to my bank checking account. So, I stopped writing Vanguard checks. After a long period of not using them, Vanguard notified m...
by sport
Sat Aug 01, 2020 9:29 pm
Forum: Personal Investments
Topic: QCD from non spousal IRA
Replies: 15
Views: 602

Re: QCD from non spousal IRA

I am still a little confused by the "non QCD distribution". I seem to understand that if I make the QCD and RMD distribution at the same time, I won't get the tax benefit on the QCD? Let me give you a real life example on what I plan to do next year: My RMD next year will around $60K; I plan to giv...
by sport
Sat Aug 01, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: Move to NE Ohio?
Replies: 71
Views: 4423

Re: Move to NE Ohio?

awval999 wrote: Sat Aug 01, 2020 5:13 pm I live in one of the western suburbs and have no intention of moving.
sport wrote: Sat Aug 01, 2020 2:08 pm I live in one of the eastern suburbs of Cleveland.
sport wrote: Sat Aug 01, 2020 2:08 pm Many (perhaps most) residents greatly prefer one side over the other,