Search found 6661 matches

by Ron
Tue Apr 20, 2021 9:17 am
Forum: Personal Consumer Issues
Topic: Travel to Vietnam, Thailand, or India
Replies: 72
Views: 5855

Re: Travel to Vietnam, Thailand, or India

Someone mentioned that there isn't much adventure in either Thailand or Vietnam anymore....eh, whatever. Yea, it's too bad I didn't travel the hippie trail in the late 60's / early 70's, but I was a toddler then. Heh, I don't think any Americans were "backpacking" on a hippie trail in Vie...
by Ron
Sun Apr 04, 2021 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: RMD(s) for Traditional IRA and Rollover IRA?
Replies: 10
Views: 895

Re: RMD(s) for Traditional IRA and Rollover IRA?

Why not just combine the two t-IRA's into one account? What's the point of maintaining two t-IRA's? That would simplify things considerably. To my knowledge, there is no advantage in maintaining multiple t-IRA accounts. Calling one t-IRA account a "rollover" is meaningless. Unless you are...
by Ron
Sun Apr 04, 2021 7:58 am
Forum: Personal Consumer Issues
Topic: Advice on Garage Door Openers?
Replies: 31
Views: 2282

Re: Advice on Garage Door Openers?

+1 - Screw Drive!!! Chain & Belts are destined to fail - Put in a Screw drive and it'll be the last opener ever needed on that Door! It’s recommended that screw drive openers not be used in regions that experience major fluctuations in temperature as the units are sensitive to temperature: http...
by Ron
Sat Apr 03, 2021 3:59 pm
Forum: Personal Consumer Issues
Topic: Uber ride — how to be sure windows will open?
Replies: 17
Views: 1940

Re: Uber ride — how to be sure windows will open?

SrGrumpy wrote: Sat Apr 03, 2021 3:41 pm Maybe I've watched too many horror movies, but I immediately assumed you were worried the driver would pump poisonous gas into the back seat area. A valid concern in Bogleheadland, I guess.
Like in the movie https://en.wikipedia.org/wiki/Death_Proof? 🥵 ...

- Ron
by Ron
Sat Apr 03, 2021 1:53 pm
Forum: Personal Consumer Issues
Topic: Advice on Garage Door Openers?
Replies: 31
Views: 2282

Re: Advice on Garage Door Openers?

<snip...> But one could just as easily put in LED bulbs in lieu of standard bulbs... no? I mention as that's one thing I'm waffling on. LED bulbs are not recommended for Chamberlain/Lift Master units unless they are approved by the manufacturer: https://support.partner.liftmaster.com/s/article/What...
by Ron
Tue Mar 30, 2021 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Did you review your closing documents ahead of closing?
Replies: 31
Views: 2151

Re: Did you review your closing documents ahead of closing?

Being anal as I am when it comes to money, I computed (to the penny) of what $$$ should have been stated on each closing document for closing on our current (4th) house (been to this rodeo before 🤑 ). We were not provided a copy of the closing documents, but were given just an "estimate sheet&q...
by Ron
Sat Mar 27, 2021 10:09 am
Forum: Personal Consumer Issues
Topic: Bad Breath: Solutions, Products?
Replies: 19
Views: 1180

Re: Bad Breath: Solutions, Products?

Better than no breath 😏 ...

- Ron
by Ron
Thu Mar 25, 2021 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Do Beneficiaries know the % others received?
Replies: 12
Views: 1680

Re: Do Beneficiaries know the % others received?

Many years ago, I went to the local court house after the will was filed for a relative and I was able to get a copy of it just for the price of copying the document.

It showed the distribution of the entire estate holdings and who received what.

- Ron
by Ron
Tue Mar 23, 2021 8:50 am
Forum: Personal Consumer Issues
Topic: Overthinking my Lawnmower Purchase (Push vs. Riding)
Replies: 56
Views: 2939

Re: Overthinking my Lawnmower Purchase (Push vs. Riding)

Sounds like an "in-between" solution of a stand-on mower could be an option:

https://www.gravely.com/en-us/power-equ ... pro-stance

- Ron
by Ron
Mon Mar 22, 2021 1:09 pm
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15395

Re: What do most people do with a 401K upon retirement if they dont need it?

Rolling over to an IRA likely involves snail mailing a check around, which means time out of market. If the market moves during this time with a seven figure portfolio, it could cost you thousands. I plan to leave it in the 401k. My wife/me rolled our respective 401(k)'s held with FIDO (we worked f...
by Ron
Mon Mar 15, 2021 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance after Retirement
Replies: 6
Views: 516

Re: Life Insurance after Retirement

Do you have dependents that you're financially supporting? If you are married, remember that your joint income drops to a single benefit (the larger of the two) after you pass. If you are married and have a pension, what are the terms if you pass? Do payments continue at 100% for your spouse? If you...
by Ron
Sat Mar 13, 2021 9:19 am
Forum: Personal Investments
Topic: Problems at Fidelity?
Replies: 40
Views: 4484

Re: Problems at Fidelity?

They currently have 765 various positions open around the country:

https://jobs.fidelity.com/job-search-results/

- Ron
by Ron
Sat Mar 13, 2021 8:28 am
Forum: Personal Finance (Not Investing)
Topic: No Tax Refund Yet (Approaching 21 Days)
Replies: 31
Views: 1925

Re: No Tax Refund Yet (Approaching 21 Days)

For us, 28 days and counting thus far. It was also a bit over a month for our refund last year. We're retired, no taxable investments (other than savings/MM) and income only from SS, RMD's, pensions, SPIA; somewhat of a simple return. Can't be worried about it; when it comes, it comes 👌... - Ron Up...
by Ron
Fri Mar 12, 2021 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: No Tax Refund Yet (Approaching 21 Days)
Replies: 31
Views: 1925

Re: No Tax Refund Yet (Approaching 21 Days)

For us, 28 days and counting thus far.

It was also a bit over a month for our refund last year. We're retired, no taxable investments (other than savings/MM) and income only from SS, RMD's, pensions, SPIA; somewhat of a simple return.

Can't be worried about it; when it comes, it comes 👌...

- Ron
by Ron
Mon Mar 01, 2021 8:23 am
Forum: Investing - Theory, News & General
Topic: Were You Around During Dotcom Bubble?
Replies: 266
Views: 20679

Re: Were You Around During Dotcom Bubble?

Yes 😎 ...

- Ron
by Ron
Sun Feb 28, 2021 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard mistake - put funds into wrong person's account
Replies: 13
Views: 1520

Re: Vanguard mistake - put funds into wrong person's account

Or do nothing....

I'm sure the other person will contact them and report the problem.

- Ron
by Ron
Sat Feb 20, 2021 1:00 pm
Forum: Personal Consumer Issues
Topic: Old parents , seeking info on stair lifts
Replies: 15
Views: 1343

Re: Old parents , seeking info on stair lifts

<snip...> I'm not a heavy guy, but even with the seat belt on it strapped, I feel like I am going to fall out since the seat is so small. I wonder if on the ads for the stair lifts, they use smaller framed people to make the product look substantial and larger. Worked for this guy! http://4.bp.blog...
by Ron
Sat Feb 20, 2021 12:24 pm
Forum: Personal Consumer Issues
Topic: Old parents , seeking info on stair lifts
Replies: 15
Views: 1343

Re: Old parents , seeking info on stair lifts

Here's what we're looking to do, when the time comes: https://www.stiltzlifts.com/?msclkid=887f31e527e81ea5369451d40dedfd9e&utm_source=bing&utm_medium=cpc&utm_campaign=Pennsylvania&utm_term=Home%20Elevators&utm_content=Home%20Elevators - Ron Us too. Have you priced this out? Not...
by Ron
Sat Feb 20, 2021 10:27 am
Forum: Personal Consumer Issues
Topic: Old parents , seeking info on stair lifts
Replies: 15
Views: 1343

Re: Old parents , seeking info on stair lifts

Here's what we're looking to do, when the time comes:

https://www.stiltzlifts.com/?msclkid=88 ... 0Elevators

- Ron
by Ron
Fri Feb 19, 2021 10:54 am
Forum: Personal Consumer Issues
Topic: [Generators]/ supplemental power generation
Replies: 162
Views: 8718

Re: [Generators]/ supplemental power generation

<snip...>(as an aside: another advantage of small generators ... you can share with neighbors who don't have one) I'm sure most, if not all whole house units have external outlets that can be used to run an extension cord to your neighbor if you wish. I know mine does. I have a portable (B&W 55...
by Ron
Thu Feb 18, 2021 3:54 pm
Forum: Personal Consumer Issues
Topic: Typical Lifespan of Generac Propane-Powered, Standby Generator
Replies: 46
Views: 3388

Re: Typical Lifespan of Generac Propane-Powered, Standby Generator

I even have sinkhole insurance on our home. This is something new to me. I never heard of this type of coverage. I hadn't ever thought about whether this needs a separate coverage... Is it part of your regular homeowner's policy or something totally separate, perhaps like flood insurance? Is it som...
by Ron
Thu Feb 18, 2021 3:19 pm
Forum: Personal Consumer Issues
Topic: Typical Lifespan of Generac Propane-Powered, Standby Generator
Replies: 46
Views: 3388

Re: Typical Lifespan of Generac Propane-Powered, Standby Generator

I get my 8 year old 20Kw Generac serviced every 6 months. It just so happens that it is done by a firm that specializes in home gensets (sales & service) of most of the known popular brands and has been in business for many years. It just happens that I asked the tech this same question. While I...
by Ron
Thu Feb 18, 2021 9:46 am
Forum: Personal Consumer Issues
Topic: Abandoning Carbonite
Replies: 12
Views: 1509

Re: Abandoning Carbonite

Leesbro63 wrote: Wed Feb 17, 2021 4:58 pmI'm trying to delete the data. I have everything on my local hard drive and backed up locally. I was on their web site and I can't find where to delete my stuff.
Hope you have a copy offsite, regardless of backup provider/technique.

- Ron
by Ron
Wed Feb 17, 2021 7:10 pm
Forum: Personal Consumer Issues
Topic: Busted water pipe, now what? Help a Texan out.
Replies: 187
Views: 14252

Re: Busted water pipe, now what? Help a Texan out.

<snip...>re: shut off valves I once had a house (with a whole house salt based water conditioner) where right after the water pipe came into the house, and after the whole house water shutoff, there was a "T" and a pipe that branched off (with its own shut off right there) and that "...
by Ron
Thu Feb 11, 2021 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about rejected efile (TurboTax)
Replies: 21
Views: 2598

Re: Questions about rejected efile (TurboTax)

I thought, though, that the IRS wasn't accepting returns until tomorrow, February 12. Are they really accepting them now? I just received notification from TT that my return was accepted by the IRS this morning (submitted/filed on Monday). That doesn't mean it's being processed at the current time,...
by Ron
Wed Feb 10, 2021 8:31 am
Forum: Personal Investments
Topic: Social Security break even calculators
Replies: 49
Views: 4692

Re: Social Security break even calculators

We took ours @62 and never looked back. Breakeven @87....are you kidding me? Only then are you getting a little more each month and if I make it will be old with diminished spending anyway...no thank you. In five months, I will surpass the amount of $$$ that I and my respective employers contribute...
by Ron
Sat Feb 06, 2021 10:07 am
Forum: Investing - Theory, News & General
Topic: Retirees: How typical am I?
Replies: 82
Views: 7303

Re: Retirees: How typical am I?

I retired at age 59 without any income sources beyond a small VA disability and withdrawals from my IRA's. At that time, and up to the time I started SS at age 70, I didn't really look at my withdrawal rate. My wife (same age) retired at age 64 and in addition to her portfolio draws, received two sm...
by Ron
Fri Feb 05, 2021 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Printing Vanguard docs
Replies: 34
Views: 1695

Re: Printing Vanguard docs

I keep my docs (W2's, 1099's) back to when I started my IRA/401(k) contributions back in 1983. Why? Simply that "you never know". In 2019, we had a push from a state legislator to tax earnings on IRA/401(k) earnings on all previous contributions over the years to fund the state's school di...
by Ron
Wed Feb 03, 2021 9:18 am
Forum: Investing - Theory, News & General
Topic: Property taxes in the USA
Replies: 50
Views: 3372

Re: Property taxes in the USA

<snip...>property tax did NOT include trash service or water / sewage. those were billed separately. there were municipal dumps maintained by the county though where you could dump large / bulk items for a small fee Same here in my town. Trash/water/sewage not considered a tax, but a fee. The diffe...
by Ron
Sat Jan 30, 2021 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Porsche 911 as an investment....
Replies: 103
Views: 7135

Re: Talk me out of buying a car as an investment....

When i was ten years old my dad told our family that he was buying a Jaguar XJS Touring Coupe as an investment. I found it odd that this investment cost so much of his time (he was taking it to the shop every other weekend) and his money (it was an endless money pit). Needless to say, dad's investm...
by Ron
Wed Jan 27, 2021 6:38 pm
Forum: Personal Consumer Issues
Topic: Starting a Christmas Tree Farm?
Replies: 17
Views: 1552

Re: Starting a Christmas Tree Farm?

FWIW: https://brandongaille.com/18-success-tips-for-starting-running-a-christmas-tree-farm/#:~:text=18%20Success%20Tips%20for%20Starting%20%26%20Running%20a,Have%20a%20Watering%20Plan.%20...%20More%20items...%20 We have more than a few Christmas tree farms in our area and our local newspaper runs an...
by Ron
Wed Jan 20, 2021 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Twenty Four Years of Taxes
Replies: 75
Views: 8551

Re: Twenty Four Years of Taxes

Also interesting as related to taxes are SS taxes/contributions as part of FICA through the working years and how it's related to benefits down the road, many years later. Just for giggles, I took the total $$$ contributed by me, along with my various employers over the years to come up with a numbe...
by Ron
Mon Jan 18, 2021 1:10 pm
Forum: Personal Investments
Topic: Anyone else have Vanguards Wellesley income fund
Replies: 36
Views: 5064

Re: Anyone else have Vanguards Wellesley income fund

To answer the OP's question, the answer is yes for my wife/me. We hold Vanguard Wellesley Income Fund Admiral Shares (VWIAX) which is 15.9% of our total retirement investment balance - 100% of our Roth holdings. It's held within our 60/40 (60% equity/40% bonds-cash) target and is intended for distri...
by Ron
Thu Jan 14, 2021 2:23 pm
Forum: Personal Consumer Issues
Topic: What Kind of Generator Do you Use for your Home Backup?
Replies: 139
Views: 8896

Re: What Kind of Generator Do you Use for your Home Backup?

Here's a Kohler manual that explains it far better than I can - https://www.kohlerpower.com/home/common/pdf/g11124.pdf Like the Kohler, our Generac (Honeywell) switch is configured in the same way - that is with two built into the switch for handling two (we only use one since we don't have a split...
by Ron
Wed Jan 13, 2021 6:55 pm
Forum: Personal Consumer Issues
Topic: What Kind of Generator Do you Use for your Home Backup?
Replies: 139
Views: 8896

Re: What Kind of Generator Do you Use for your Home Backup?

20kW Generac, fueled by a 500 gal underground propane tank (no NG in my area). Had it purchased/installed after the back to back storms of 2011 (Halloween nor'easter) and 2012 (Superstorm Sandy) when we lost power for just under a week in both cases. Since that time, the longest outage covered was j...
by Ron
Wed Jan 06, 2021 8:47 am
Forum: Personal Finance (Not Investing)
Topic: When does SSA.gov update?
Replies: 14
Views: 1353

Re: When does SSA.gov update?

So I got an email from social security saying to log in and check my earnings. I logged in and I have $0 earnings for 2020. I assume this is because it just hasn’t updated, but it was odd that they’d say go and check your earnings without updated earnings. Something to worry about or just wait it o...
by Ron
Sun Jan 03, 2021 10:55 am
Forum: Personal Finance (Not Investing)
Topic: How do you feel about your extra paycheck in 2020?
Replies: 103
Views: 7450

Re: How do you feel about your extra paycheck in 2020?

I would rather be paid monthly. Cleaner and easier for planning purposes. +1 But I’ve only ever met one person in my life who’s employer did that. It's been the norm for me in professional roles. Only one employer who didn't pay me monthly. Better get used to it for the future. My/wife's SS is paid...
by Ron
Thu Dec 31, 2020 11:22 am
Forum: Personal Investments
Topic: How to invest $200k (from 2.25% cash out refinancing)?
Replies: 193
Views: 11533

Re: How to invest $200k (from 2.25% cash out refinancing)?

Pardon my ignorance, but doesn't the $200k have to be repaid with net income (assuming the OP is a wage slave, like most people)? To make the note/mortgage payment, you also should consider of what you actually need in gross pay in order to make the net payment, including a possible FIT of 20-30%, s...
by Ron
Sat Dec 26, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: Subaru Outback Battery Problems - Dealer Response?
Replies: 26
Views: 2557

Re: Subaru Outback Battery Problems - Dealer Response?

We had same problem for 2017 Forester, they upgraded some software/firmware that fixed the problem. It's been 18 months and no problem since. Same situation with my wife's 2015 Legacy. Once they upgraded the software, it solved the problem. What the dealer told her (if they/she got the story right)...
by Ron
Fri Dec 25, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: How to protect cash for final expenses?
Replies: 39
Views: 2767

Re: How to protect cash for final expenses?

I would like to be able to set that aside to make sure I have money for my final expenses (funeral, etc - currently debt free and hope to remain so). I believe that in many areas, you could buy a burial plot now and also prepay a funeral home for service, prep, casket, etc. I'm going to assume that...
by Ron
Thu Dec 17, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: What is my income in retirement?
Replies: 24
Views: 2623

Re: What is my income in retirement?

Lenders want to know your regular, repeated, dependable income to ensure that you can repay their loan. Your liquid investments can disappear tomorrow if you like, so that has less of an impact on their lending decision, and rightly so. Your job could also disappear tomorrow (especially in today's ...
by Ron
Thu Dec 17, 2020 10:07 am
Forum: Personal Finance (Not Investing)
Topic: What is my income in retirement?
Replies: 24
Views: 2623

Re: What is my income in retirement?

I don't know how they check but IMO spending from investments is not the same as income. Sure it is. Retirement accounts, including Traditional, Roth and SEP IRAs, will receive a Form 1099-R if a distribution (withdrawal) was made during the year. Regardless if you reinvest/save that withdrawal, it...
by Ron
Mon Dec 14, 2020 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Giving Retirement Notice - how did it go?
Replies: 133
Views: 13412

Re: Giving Retirement Notice - how did it go?

The accepted norm in my organization is about 6 months up to a whole year (federal employees).....so 2 months (the time quoted to me to process my pension application) will seem quick to them. This was the same timeline for me, when I retired over a decade ago. Since I was employed by a global orga...
by Ron
Wed Nov 25, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: Car will fit in garage with one inch to spare - thoughts?
Replies: 111
Views: 9156

Re: Car will fit in garage with one inch to spare - thoughts?

Back in the early 70's, we owned/lived in an in-town 3-story all brick double row twin, with no framing other than furring slats that could be used to hold the plaster walls. The home was built in 1906. Our 2-car garage (on the alley which ran along the side of the house) was also double brick with ...
by Ron
Mon Nov 23, 2020 1:32 pm
Forum: US Chapters
Topic: Are you a Boglehead?
Replies: 114
Views: 6134

Re: Are you a Boglehead?

Nope; I'm a FIDO fox.

I also own no Apple devices nor drive a Toyota...

- Ron...
by Ron
Sun Nov 22, 2020 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Unfunded trust. What to do?
Replies: 5
Views: 801

Re: Unfunded trust. What to do?

Normally, a pour over will fund a trust at the time of death assuming it was drawn up and executed properly. See: https://en.wikipedia.org/wiki/Pour-over_will In our case, we have a revocable trust which currently holds title to our house within it. All other accounts (e.g. investments, bank account...
by Ron
Fri Nov 20, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Innovative/Extra Medigap Plan Perks Useful?
Replies: 9
Views: 549

Re: Innovative/Extra Medigap Plan Perks Useful?

My wife has been participating in SS Zumba classes (via Zoom) on a daily basis since her on-site classes have been suspended for the unknown future.

- Ron
by Ron
Fri Nov 20, 2020 12:33 pm
Forum: Personal Consumer Issues
Topic: Laptops for seniors
Replies: 26
Views: 1467

Re: Laptops for seniors

I purchased a Lenovo IdeaPad 5 (15.6") for my parents recently (mid 70s). From Costco. $699 https://www.costco.com/lenovo-ideapad-5-15.6-touchscreen-laptop-10th-gen-intel-core-i7-1065g7-1080p.product.100567300.html Big screen, clear screen, great specs. i7, 12mb, 512 SSD. My mom loves it. A bi...