Search found 362 matches

by Info_Hound
Sat Apr 10, 2021 10:52 am
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2020 tax refund?
Replies: 134
Views: 11332

Re: How quickly did you receive your 2020 tax refund?

Still waiting, IRS states they have received it, but have not processed it yet. Filed mid-February. Received my state refund about 3 weeks later. It was a simple standard tax return, efiled.
by Info_Hound
Sat Apr 10, 2021 10:17 am
Forum: Personal Consumer Issues
Topic: Gardening 2021
Replies: 30
Views: 2526

Re: Gardening 2021

Zone 5 here at 5,000ft altitude. Seems this year I have been bitten by the early gardner bug harder than normal. My herb garden goes in first, but plants are staged inside due to a week of off and on snow and below freezing temps coming. Our 'safe' planting date is mid-May. Right now cold weather ve...
by Info_Hound
Tue Mar 23, 2021 10:34 am
Forum: Personal Investments
Topic: Advice on how to ease the anxiety of deciding to retire.
Replies: 91
Views: 10517

Re: Advice on how to ease the anxiety of deciding to retire.

What we did when we weren’t completely sure if we were financially ready to retire is to write out our retirement budget, including once a year expenses and taxes, then actually live on that amount for a year. Every other dollar of income went into savings. At the end of the year, we were both more...
by Info_Hound
Mon Mar 22, 2021 12:28 pm
Forum: Personal Consumer Issues
Topic: Tax Refund IRS Processed Quickly
Replies: 25
Views: 2365

Re: Tax Refund IRS Processed Quickly

Electronically filed a simple tax return February 19th, was accepted within 20 mins. State refund arrived 3 weeks later. Federal return shows it was accepted but has not budged, no projection date for processing. Ditto for the stimulus check. Daughter filed a week later, received stimulus check with...
by Info_Hound
Mon Mar 22, 2021 12:21 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 23989

Re: What is the BEST thing you spent money on?

Haven't done this nearly enough....vacations of a lifetime. Honeymoon for 2 weeks in Grand Teton National Park and surrounding area. A week's vacation with (then) young daughter to Walt Disney World. We also went to the coast for a space launch and night time beach watch/hike looking for endangered ...
by Info_Hound
Fri Mar 19, 2021 10:46 am
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13973

Re: People with Covid-19 vaccination record cards: where are you keeping them?

I took a photo, stored it in my phone and my computer medical records file. I also sent the same photo file to my doctor to add to my medical records. I can retrieve a copy of the photo from my medical portal if I need to because my stored copies are no longer available (broken phone and or trashed ...
by Info_Hound
Fri Mar 12, 2021 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: No Tax Refund Yet (Approaching 21 Days)
Replies: 31
Views: 1916

Re: No Tax Refund Yet (Approaching 21 Days)

Filed both state and federal tax returns on 2/19. Very simple return, basic filing for both. Edeposits indicated for both. This morning I got a notice of edeposit for the state refund. Nothing from the feds yet. They accepted my filing within minutes and tracker says it is waiting to be processed (b...
by Info_Hound
Fri Feb 26, 2021 6:01 pm
Forum: Personal Consumer Issues
Topic: Using Homeadvisor.com
Replies: 14
Views: 865

Re: Using Homeadvisor.com

Like the OP, I'm small in stature, older and not as strong as I once was. However I am home improvement savvy and have done many of my own repairs in the past. However, I no longer have the strength to lift, lug or drag heavy things. I can no longer do heights/tall ladders and I live in a home with ...
by Info_Hound
Fri Feb 26, 2021 5:38 pm
Forum: Personal Consumer Issues
Topic: Masks on airlines - how do you get a 3 year old to comply?
Replies: 23
Views: 2189

Re: Masks on airlines - how do you get a 3 year old to comply?

For some, pride of ownership works. Allow them to 'decorate' their travel masks, crayons come to mind, so they can show off their artistic skills. Hearing how nice and original their mask is is praise the child will understand and enjoy. As others have suggested, grocery store/shopping runs with new...
by Info_Hound
Mon Feb 15, 2021 12:38 pm
Forum: Personal Investments
Topic: TSP to Roth IRA at another firm
Replies: 20
Views: 1033

Re: TSP to Roth IRA at another firm

If I was planning to do some number of years of Roth Conversions I would do a one time rollover from the Traditional TSP account to a Traditional IRA account, then do Roth conversions each year that kept me in the 22% tax bracket identified by OP. This is indeed what I did. Moved the bulk of my TSP...
by Info_Hound
Sun Feb 07, 2021 12:49 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1070
Views: 48632

Re: Bird watchers – what birds are you seeing?

My home sits next to a Natural Resource Area with a lake within it. Think short grass prairie land as the habitat. Since I moved here almost 9 years ago the prevailing birds have been raptors of all kinds. Eagles, Hawks, Great Horned owls (see my avatar photo) and American Kestrels. Putting out a fe...
by Info_Hound
Thu Feb 04, 2021 11:31 am
Forum: Personal Finance (Not Investing)
Topic: FERS annuitant: how to evaluate survivor options?
Replies: 13
Views: 946

Re: FERS annuitant: how to evaluate survivor options?

It is also COLA'd, so each year there is an inflation adjustment (usually upward) to the annual amount.
by Info_Hound
Sat Jan 16, 2021 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's access to things after my death
Replies: 74
Views: 6498

Re: Wife's access to things after my death

Does a beneficiary really need account numbers? Isn't it enough to know the existence of accounts and the account providers? Account numbers will help, but a lack of them won't stop you from being the beneficiary. Yes, you need to know the custodian. They probably won't tell you very much, though, ...
by Info_Hound
Sat Jan 16, 2021 12:46 pm
Forum: Personal Consumer Issues
Topic: Products to remove grime from metal
Replies: 27
Views: 1468

Re: Products to remove grime from metal

I clean antique sewing machines where you do not want to pit the metal (chrome parts etc) nor remove the shellac finish exposing the decals and causing 'silvering'. These machines, depending on the year/age and manufacturing location are very sought after and expensive. I and others use sewing machi...
by Info_Hound
Sun Jan 10, 2021 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Post when you have received various tax forms
Replies: 87
Views: 6500

Re: Post when you have received various tax forms

I received an email from Fidelity stating my 1099s will be available electronically on 1/21. They have been good about meeting their dates in the past.
by Info_Hound
Sun Jan 10, 2021 1:19 pm
Forum: Personal Consumer Issues
Topic: Shoes for winter walks
Replies: 39
Views: 2758

Re: Shoes for winter walks

Progressed from wearing Merrel and Keen for walking rails-to-trails mainly but lately favor Oboz. The Oboz fit like a glove, sole does not allow gravel to impede walking, durable, waterproof. Paired with the Strava app for tracking makes for a good outing. Ditto! I love the Keens for light trail or...
by Info_Hound
Wed Jan 06, 2021 11:25 am
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 341
Views: 25975

Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?

Why compare net worth to doing, or not doing yard work? Either you like doing yard work or you don't. Personally I do all my outdoor landscaping and yard chores. I love gardening but am not fond of mowing. However I get to choose when to do them so I plan outdoor work for cool mornings/days. I even ...
by Info_Hound
Wed Dec 30, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Pet food delivery services
Replies: 53
Views: 2557

Re: Pet food delivery services

Out of curiosity, I checked my last three orders from Chewy, and they came from Goodyear AZ, Dallas TX and McCarran NV. I’m in the mountains of northern CO. Ditto. I have on a rare occasion received a shipment from the other side if the Mississippi River and they do take longer. At the beginning of...
by Info_Hound
Sun Dec 20, 2020 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do my wife and I even need a traditional estate plan?
Replies: 78
Views: 4062

Re: Do my wife and I even need a traditional estate plan?

I have read through the posts and no one is noting that both spouses need not pass to put a hole in this bucket of reasoning. If both spouses are incapacitated than neither has control of their estate, no matter how much or little there is. So this introduces a new person, likely a stranger, into th...
by Info_Hound
Fri Oct 30, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B & FEHB Insurance - Uneducated, please assist
Replies: 76
Views: 3422

Re: Medicare Part B & FEHB Insurance - Uneducated, please assist

I'd like to provide the URL for a comparison tool from OPM. Currently it displays FEHB 2020 plans, however the 2021 open season begins in approximately a month (?) or less and the 2021 plan comparisons will be available for use. https://www.opm.gov/healthcare-insurance/healthcare/plan-information/co...
by Info_Hound
Tue Oct 20, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: septic tanks replacement
Replies: 48
Views: 3984

Re: septic tanks replacement

My previous home was water well and two dry wells septic. House was built in 1980 and we had no idea regarding previous owners maintenance of the system. Long story short, system failed on Thanksgiving and was backflowing into the house. We gained a quick education on what would be allowed and found...
by Info_Hound
Tue Oct 13, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: Election calls
Replies: 30
Views: 2233

Re: Election calls

I'm not sure how this is different to "Silence Unknown Callers"? I’m not familiar with that phone feature. But based on the name, sounds like “known callers” can still call. Not sure how android does it but on an apple phones, an unknown caller is anyone not in your contact book. So only ...
by Info_Hound
Mon Oct 12, 2020 11:35 am
Forum: Personal Consumer Issues
Topic: Election calls
Replies: 30
Views: 2233

Re: Election calls

Political calls are exempt from the do not call list. Campaigns can purchase voting records. They may also purchase third party voter files with even more information. Your voter registration records are public information and are bought by those campaigning. Last summer I visited my Voter Registra...
by Info_Hound
Thu Oct 08, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: How do YOU handle home security [alarm systems]
Replies: 89
Views: 6731

Re: How do YOU handle home security [alarm systems]

I recently installed (DIY) a Ring security system. Costco had a basic setup on sale for $179. It was very easy to do. I did not sign up for Ring monitoring, it is always an option I can buy later if I wish. I also added garage door open/close sensors to the Ring alarm system (again super easy to do)...
by Info_Hound
Wed Oct 07, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Installing mantle on ledger stone
Replies: 28
Views: 1434

Re: Installing mantle on ledger stone

Mantles and photos over fireplaces are an ecstatic choice. I had a stonemason install real local stone for my fireplace and I wanted an old barn wood beam as a mantle. He installed both as part of the whole project. My decorating taste is 'mountain casual', so in my eyes a mantle and painting fit my...
by Info_Hound
Sat Sep 05, 2020 10:31 am
Forum: Personal Investments
Topic: What's the advantage of a Schwab/Fidelity local office for a hybrid advisor client?
Replies: 6
Views: 709

Re: What's the advantage of a Schwab/Fidelity local office for a hybrid advisor client?

My accounts at Fidelity are self-directed with an assigned advisor at their local office. I understand your wife's viewpoint of looking someone in the eye when dealing with finances. Don't exclude your CPA as part of the financial team she should be familiar with and trust. A lot of her early quest...
by Info_Hound
Mon Aug 31, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: Yellowjackets
Replies: 11
Views: 1341

Re: Yellowjackets

We have been so dry out West that I found wasps had built a nest in my gutter. Not the downspout, the gutter. It was positioned by my front door. Got out the wasp spray and soaked the gutter early in the morning. Then put out a 'come hither' pheromone wasp trap (does not attract honey bees) to captu...
by Info_Hound
Wed Jul 15, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: Is it unreasonable to expect custom blinds in new construction?
Replies: 26
Views: 1486

Re: Is it unreasonable to expect custom blinds in new construction?

Blinds do not come as an item in new homes where I have lived. BTW given you feel motorized blinds are a must due to the window height, make sure you feel comfortable getting to the top of the window to replace the batteries in the blind headrail each year. I ended up getting a corded blind with a r...
by Info_Hound
Sun Jul 05, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: Approached to Replace the Roof after Hail Storm
Replies: 18
Views: 1803

Re: Approached to Replace the Roof after Hail Storm

How common is significant roof damage after hail storms? What sort of damage happens to good quality well installed shingles when hit by hail? I mean, if there is a ton of golf ball or bigger sized hail, sure I'd expect damage. But the typical hail storm that has much smaller hail - is it really da...
by Info_Hound
Wed Jul 01, 2020 10:21 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- SECOND QUARTER 2020
Replies: 2
Views: 483

Re: BOGLEHEAD CONTEST -- SECOND QUARTER 2020

Good Grief!

My prediction seems to be coming true, when I go high the market goes low. Sorry guys.

This is the best ranking to date for me and I hope it does not stay that way.
by Info_Hound
Wed Jul 01, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: LG refrigerator not cooling--dump it and rebuy?
Replies: 48
Views: 3694

Re: LG refrigerator not cooling--dump it and rebuy?

There's a class action lawsuit on LG because they fail right after the 5 year warranty is up. Almost as if they put a clock on it, but they don't really have to put an actual clock. They just design their parts to last past the warranty period and so they're only tested to last that long, so basica...
by Info_Hound
Sat Jun 27, 2020 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Chase reducing credit card limits
Replies: 141
Views: 15970

Re: Chase reducing credit card limits

I laughed when I opened my mail from Chase this afternoon. Previously Chase had informed me they were reducing the credit limit on my Freedom card. I was not happy about it but felt I could do nothing to change the projected outcome. I bought replacement windows for the whole house in late February ...
by Info_Hound
Sat Jun 13, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: Birds Making Mess on Deck —- Solutions?
Replies: 7
Views: 495

Re: Birds Making Mess on Deck —- Solutions?

I have a super soaker (kid's summer toy) loaded with water at the ready inside the door. The birds used to sit and just look at me smugly (while pooping on the rails) until the first time they are hit with a blast from the soaker. It has a 25-30 foot range of reach. My deck is half of that size. It ...
by Info_Hound
Sun May 31, 2020 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Chase reducing credit card limits
Replies: 141
Views: 15970

Re: Chase reducing credit card limits

I recently received a similar letter from Chase. I never carry a balance on any credit card, ever. Credit score in the high 800s. Recently I purchased replacement windows for the whole house and used the Chase card. The cash back feature helped to pay for a couple of the smaller windows. I assumed C...
by Info_Hound
Mon May 25, 2020 11:18 am
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 68
Views: 6025

Re: At what moment does retirement begin?

For me it was the next day after my last time at work. Officially I was on the clock on my last work day so I don't count that as a retirement day. The first day I was no longer tethered to a work schedule is when I 'felt' retired and it felt really good! Since I had sold my home and bought another ...
by Info_Hound
Sun May 24, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 227
Views: 18092

Re: Gardening 2020

Where I live the start of the growing season is behind the rest of the country. Since I moved here 8 years ago I have been trying to adapt my 'flatlander' gardening skills to the challenges of an 'altitude' growing season. Some successes, some failures. This year, except for one tiered bed for cold ...
by Info_Hound
Fri May 01, 2020 10:34 am
Forum: Personal Consumer Issues
Topic: Clogged Drain Tile?
Replies: 11
Views: 1049

Re: Clogged Drain Tile?

Whatever you decide to do, make sure the sump pump has a secondary power source in case a storm knocks out power for the house for a period of time. Watching the pit fill and no way to drain it because the pump can't run is alarming.
by Info_Hound
Wed Apr 22, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: Renewal by Anderson window prices
Replies: 39
Views: 4280

Re: Renewal by Anderson window prices

We have a 2400 sf house and replaced all the windows and three sliders two years ago. We went with Marvin Infinity. And paid around $32,000. We are happy with the result. Glad to hear, my Marvin Infinity contractor is installing new windows (18) in 2 weeks. For the OP, I spent this winter chasing d...
by Info_Hound
Sat Apr 11, 2020 10:19 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 30346

Re: just got my $1200 stimulus payment

My daughter and I both received our stimulus deposits on 4/10. Not pending, actually deposited. Both of us filed our 2019 returns in February. I do receive SS. She got the full amount, I got a token amount. My 2018 income was smaller than 2019 due to a Roth conversion in 2019. They used my 2019 inco...
by Info_Hound
Wed Mar 25, 2020 12:21 pm
Forum: Personal Investments
Topic: dead cat mouse
Replies: 56
Views: 6004

Re: dead cat mouse

This title inspires to understand a generalization of Schrodinger's cat paradox by including a mouse. Options would be: 1. is cat alive along with the mouse? 2. is cat alive but mouse is dead (more likely) 3. is mouse alive with a dead cat (quantum mechanics will say not impossible) 4. mouse and ca...
by Info_Hound
Wed Mar 25, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: Chewy pet food delivery
Replies: 26
Views: 2272

Re: Chewy pet food delivery

I have an auto ship order with Chewy for prescription cat food for my old girl. I have an auto ship order that is now 10 days old that has not been dropped for shipping. Like others I recently received the Chewy messages about 'things being backed up' only after I had placed an order. Based on their...
by Info_Hound
Sat Mar 21, 2020 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Social Security - Changing from Survivors to Own Benefit
Replies: 9
Views: 576

Re: Social Security - Changing from Survivors to Own Benefit

Unfortunately you will not be able to use the SS online filing option to move from survivor to your own benefits. I had been told (prior to the ofc closing ) that it needed to be done in person. I plan to do the same dance the end of this year, switching from survivor to my own benefits, and had loo...
by Info_Hound
Sun Feb 23, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Moving Furniture Yourself
Replies: 40
Views: 3091

Re: Moving Furniture Yourself

Furniture sliders AND carpet samples or carpet scraps. Use the carpet samples to move things over smooth surfaces (e.g. hardwood or tile, carpet side down, backing up). Furniture sliders work great for sliding things on a carpeted surface. Agree dollies are best under an item when moving things arou...
by Info_Hound
Wed Jan 15, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Daycare Provider Wants to Charge $20/week for Receipt
Replies: 145
Views: 10052

Re: Daycare Provider Wants to Charge $20/week for Receipt

I went to submit my first claim for the year to get reimbursed by Infinisource. The website is asking for a receipt of the services. The lady that runs the daycare says she can do this, but will charge me $20 per week. I am not paying this much for a receipt each week. You could tell her, "Nev...
by Info_Hound
Wed Jan 01, 2020 12:50 pm
Forum: Investing - Theory, News & General
Topic: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST
Replies: 688
Views: 23039

Re: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST

3327 Hope this isn't a jinx. Last year I discovered if I guessed high, the S&P went low. If I guessed low (2019) it went high. While I have no expectation of being right, I have spotted a trend in how my guess is always the opposite of reality. If you see me in a checkout line, always pick anoth...
by Info_Hound
Sat Dec 21, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...
Replies: 53
Views: 3640

Re: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...

I found this web site very useful and pricing seemed competitive. I eventually bought a slim (15" wide) 24 bottle free standing cooler from them and slid it into a open spot under the kitchen counter. It's as good a place to start looking as any. Delivered right to the front door. I also keep g...
by Info_Hound
Sun Nov 24, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Garage Door Insulation
Replies: 13
Views: 1674

Re: Garage Door Insulation

I used the Owens Corning set that is sold at Home Depot https://www.homedepot.com/p/Owens-Corning-Garage-Door-Fiberglass-Insulation-Kit-22-in-x-54-in-8-Panels-GD01/202257272 It works well, and is easy to install. If your garage is like mine, each panel has a channel on 3 sides to stuff the insulati...
by Info_Hound
Sun Nov 17, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Another Laptop Question
Replies: 31
Views: 2534

Re: Another Laptop Question

The major problem with an old laptop is the battery. After 10 years, that battery is probably shot. A replacement is going to be hard to come by and expensive relative to the benefits. I can find older laptop batteries at this web site - https://www.laptopbatteryexpress.com/Default.asp for a fair p...
by Info_Hound
Wed Nov 13, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Anyone had their house repiped?
Replies: 32
Views: 4023

Re: Anyone had their house repiped?

Yup. 1980's two story 3,400 sq house. The copper pipes developed pinhole leaks. We were on well water as everyone else in the neighborhood. Most everyone begin to develop leaks about the same time so there was a lot of pipe replacement going on. Apparently the water acidity corroded copper over time...