Search found 356 matches

by rterickson
Mon Mar 29, 2021 2:38 pm
Forum: Personal Consumer Issues
Topic: Battery operated garden tools
Replies: 21
Views: 3208

Re: Battery operated garden tools

I have the Greenworks 60V lawnmower, string trimmer, blower, and polesaw, with two batteries and chargers.

I get worn out before the batteries do.
by rterickson
Tue Mar 23, 2021 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: real-estate in the twilight of my life
Replies: 35
Views: 2315

Re: real-estate in the twilight of my life

Some random thoughts for consideration: Do you want/need a job at age 70? At some point you will need to inspect the property, make repairs, and deal with vacancies. This all counts as work in my book. What is the approximate size of your portfolio? If your net worth is $400K this would be pretty ri...
by rterickson
Mon Mar 22, 2021 2:33 pm
Forum: Personal Investments
Topic: Should I rollover some of my 401A into an IRA?
Replies: 4
Views: 531

Re: Should I rollover some of my 401A into an IRA?

I
The NOLO article referenced by pkcrafter above states that if you roll an ERISA account into an IRA, you still maintain the original ERISA protections in the new IRA.
by rterickson
Fri Mar 12, 2021 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 364
Views: 26126

Re: Received 3rd stimulus check 3/12/21

$2800 posted as pending at our credit union today, effective 3/17/21.
by rterickson
Thu Feb 25, 2021 2:09 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2756
Views: 274535

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

Broken Man 1999 wrote: Thu Feb 25, 2021 10:24 am I have been binge-watching Hannibal.Excellent program. Serial killer shows fascinate me. Not sure what that says about me.

Broken Man 1999
You may be happy to hear that Season 9 of Dexter is scheduled to air this fall. I'll certainly watch it.
by rterickson
Thu Feb 25, 2021 1:58 pm
Forum: Personal Consumer Issues
Topic: Pool Automation using Phone App
Replies: 11
Views: 773

Re: Pool Automation using Phone App

Thanks, I will check out that website/forum. Can you give me more information on the automation for dolphin robot? I'm using an old cleaner that hooks into skimmer with hoses......thinking I'm missing out on better solutions and need to look into better product/method.e I have used pressure-side an...
by rterickson
Tue Feb 23, 2021 6:05 pm
Forum: Personal Consumer Issues
Topic: Tax Refund IRS Processed Quickly
Replies: 25
Views: 2366

Re: Tax Refund IRS Processed Quickly

E-filed on Presidents' Day, refund deposited yesterday.
by rterickson
Tue Feb 23, 2021 6:03 pm
Forum: Personal Consumer Issues
Topic: Pool Automation using Phone App
Replies: 11
Views: 773

Re: Pool Automation using Phone App

The only app automation I have is for my Dolphin pool cleaner robot, so I can't help much.

I would head over to troublefreepool.com and peruse the forum sections. Quite a few pool owners appear to be implementing automation there.
by rterickson
Sat Jan 23, 2021 4:21 pm
Forum: Personal Investments
Topic: Advice on how to invest portfolio across two 401ks and one taxable account
Replies: 10
Views: 822

Re: Advice on how to invest portfolio across two 401ks and one taxable account

Your Black Rock target date fund is 98% stocks and your T Rowe Price fund is 93% stocks, so I would suggest putting all of the taxable in bonds. If you really want to have 10% in bonds, consider having your husband switch to an earlier date BlackRock fund which contains more bonds. I wouldn't invest...
by rterickson
Sat Jan 23, 2021 3:39 pm
Forum: Personal Consumer Issues
Topic: Clarifying feature of Chromecast (or other TV Interface)
Replies: 13
Views: 838

Re: Clarifying feature of Chromecast (or other TV Interface)

Most of the limitations mentioned above don't exist on the Chromecast with Google TV. It has a remote, so it can function without any other device, and an easy-to-use interface for searching/playing content. It currently supports all major streaming services except for Apple TV Plus, and that's com...
by rterickson
Fri Jan 08, 2021 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: RMD required on Pension rollover?
Replies: 13
Views: 835

Re: RMD required on Pension rollover?

Per the Secure Act, if she turned 70-1/2 after 12/31/2019, she is not required to take RMD's until reaching age 72.
by rterickson
Sat Jan 02, 2021 4:21 pm
Forum: Personal Investments
Topic: One HSA account or two?
Replies: 7
Views: 483

Re: One HSA account or two?

When the first spouse becomes eligible for catch-up contributions, you can still put the additional $1000 into a single HSA account.

But once the second spouse begins contributing, you must open an addition account.
by rterickson
Sat Dec 26, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: What is a price to pay for a good pair of sunglasses???
Replies: 31
Views: 2053

Re: What is a price to pay for a good pair of sunglasses???

$10 for a 3-pack from Amazon, or sometimes I splurge and get a 2-pack of bifocal readers for $13.
by rterickson
Sat Dec 26, 2020 11:52 am
Forum: Personal Consumer Issues
Topic: Favorite Christmas Movies
Replies: 85
Views: 3892

Re: Favorite Christmas Movies

A Christmas Carol ( Alister Sim version -1951 ), It's A Wonderful Life , White Christmas are tops. Watched all three of these Thursday/Friday. Also Scrooge (1935), A Christmas Carol (1938 and 1954 versions), and Auntie Mame (1958). Haven't watched yet, but also plan to catch Holiday Affair (1949 wi...
by rterickson
Tue Dec 15, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: How to watch all NFL games
Replies: 81
Views: 4977

Re: How to watch all NFL games

Does Hulu allow for your local home city broadcast when traveling and thus the home city local game?? Don't know about Hulu, but YouTube TV only shows you the games from the market where you are actually located at the time, not from where you live. And YTTV won't function if you try to use a VPN.
by rterickson
Sat Nov 28, 2020 4:24 pm
Forum: Personal Investments
Topic: Health Insurance: Not able to decide between HDHP/HSA and PPO
Replies: 19
Views: 1469

Re: Health Insurance: Not able to decide between COVA HDHP/HSA and COVA Care

There have been many previous threads on this topic. AARP has a comparison tool where you can plug in your yearly estimated health care usage and see the difference: https://www.aarp.org/health/medicare-insurance/hsa_calculator.html Generally speaking, the HSA comes out ahead if you go to the doctor...
by rterickson
Mon Oct 12, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: FSA
Replies: 15
Views: 690

Re: FSA

FSAStore.com has some nice (and pricey) comprehensive first aid kits. They make great stocking stuffers.
by rterickson
Tue Sep 15, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Carvana or Vroom- ever use it?
Replies: 71
Views: 6654

Re: Sell My Car To Carvana?

Clark Howard says Carvana is desperate for inventory and they are offering top dollar right now.
by rterickson
Mon Sep 07, 2020 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: What is US Bank up to?! Easy Checking Secret Changes!
Replies: 15
Views: 2904

Re: What is US Bank up to?! Easy Checking Secret Changes!

runner3081 wrote: Wed Jan 16, 2019 9:46 pm I truthfully had no clue that US Bank was still around.

Wow.
I was aware, as they issue my pension checks. They've only made a mistake on one out of 12 so far.
by rterickson
Mon Sep 07, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be aggressively paying down mortgage to ditch PMI instead of investing in taxable account?
Replies: 24
Views: 1839

Re: Should I be aggressively paying down mortgage to ditch PMI instead of investing in taxable account?

3.5% down payment ... is this an FHA loan by chance?

FHA rules are different, you may have to make 5 years worth of payments and get below 78% LTV. Read your mortgage contract.
by rterickson
Mon Sep 07, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Note from Chase on Credit Report -- but these are frozen?
Replies: 10
Views: 956

Re: Note from Chase on Credit Report -- but these are frozen?

OK thanks all! Interesting that the creditors and banks can still see activity. Not sure I like that but I guess its the way it is. I suppose the important thing is that no new accounts can be opened . - Alamander Yes, this is the sole purpose of a credit freeze. But every time you make a payment o...
by rterickson
Fri Sep 04, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Bankrupt Brother Needs Mortgage Help
Replies: 46
Views: 3849

Re: Bankrupt Brother Needs Mortgage Help

Is the $65K down payment his money or your money?
by rterickson
Wed Sep 02, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: Walmart+ service ($98/year = free delivery w/ $35+ order). Thoughts?
Replies: 122
Views: 8867

Re: Walmart+ service ($98/year = free delivery w/ $35+ order). Thoughts?

At launch, Walmart+ will include 160,000 products vs. millions at Amazon. The price difference just doesn't seem compelling.

My sense is that Walmart will be adding features with time to sweeten the deal, but it sure feels premature at this point.
by rterickson
Wed Sep 02, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: Rainfly or no rainfly in hot and humid weather
Replies: 11
Views: 1161

Re: Rainfly or no rainfly in hot and humid weather

The issue is humidity.

The rain fly is designed to keep rain out, so it's also going to contribute to keeping condensation in. Unless rain is very likely, I would go without.
by rterickson
Tue Sep 01, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Close HSA for better insurance and FSA?
Replies: 11
Views: 688

Re: Close HSA for better insurance and FSA?

You can have PPO coverage and contribute to a medical FSA and keep you old HSA account. Being covered by an FSA prohibits you from contributing to an HSA at the same time , but you're not proposing this. You can keep your old HSA and use it whenever you want (or leave it to heirs). You just can't ad...
by rterickson
Sat Aug 29, 2020 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pull Out Money From 401k to Buy New Home
Replies: 20
Views: 1779

Re: Pull Out Money From 401k to Buy New Home

Don't you have to own the land outright before you can get a new construction loan/mortgage?
by rterickson
Fri Aug 28, 2020 9:02 pm
Forum: Personal Consumer Issues
Topic: Recommendations for wheat beer
Replies: 43
Views: 2942

Re: Recommendations for wheat beer

I'm way too into beer, and if you're just a casual drinker you might not have noticed The current IPA trend is very different than the IPA trend from 10 years ago. Anything with the terms New England, Hazy, Juicy, or Milkshake is just a profoundly different drink than classic West Coast style IPAs ...
by rterickson
Sat Aug 22, 2020 3:41 pm
Forum: Personal Investments
Topic: whole life insurance with cash value
Replies: 50
Views: 2937

Re: whole life insurance with cash value

If you do surrender for cash, the amount equal to the premiums you've paid over the policy lifetime is tax free. You pay tax on the remainder.
by rterickson
Thu Aug 13, 2020 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: 22 year Old. Needs recommendation to get first credit card.
Replies: 26
Views: 1421

Re: 22 year Old. Needs recommendation to get first credit card.

I have 2 authorized user credit cards via my mother (Am Express Blue and Chase Freedom). And I do need to get my own and become financially independent. I had these 2 credit cards for last 4+ years and I checked my credit score at Am Express and it showed 789 via Trans Union (checked under my own c...
by rterickson
Thu Aug 13, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2756
Views: 274535

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

Just ran across an older (2015?) British cop show called "Cuffs". I believe there was only one season. Unlike most Brit police procedurals, this one doesn't focus the whole season on trying to find "whodunnit" for one major crime. It follows a few teams of cops on their daily ro...
by rterickson
Wed Jul 29, 2020 1:56 pm
Forum: Personal Investments
Topic: 3 fund portfolio 401k with Voya
Replies: 17
Views: 1044

Re: 3 fund portfolio 401k with Voya

For perspective, 0.07% is the lowest ER for a target date fund I've ever seen. Vanguard charges 0.15% which is still very low.

Regardless, congratulations on your two fund portfolio choice.
by rterickson
Tue Jul 28, 2020 9:52 am
Forum: Personal Investments
Topic: Retirement account with 3.5% guaranteed return - a good option?
Replies: 26
Views: 3770

Re: Retirement account with 3.5% guaranteed return - a good option?

I have a guaranteed 3.5% stable value fund in my public agency 457b account. I have close to 7 figures in it and it makes up about half of our fixed income. The only gotcha is that it is dependent on the stability of the provider. Our provider is MassMutual. I feel confident that MassMutual will be...
by rterickson
Sun Jul 26, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Door options for detached workshop
Replies: 4
Views: 325

Re: Door options for detached workshop

Take a look at some pre-hung double doors at Home Depot or similar.

Easy to frame, looks pretty good, and easily accommodates the occasional large item.
by rterickson
Sat Jul 25, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Health insurance in Mexico
Replies: 2
Views: 454

Re: Health insurance in Mexico

If your MIL is a US Citizen, she can receive social security benefits while living in Mexico. If she is not a citizen, benefit payments typically stop after six months (there are limited exceptions) and she would be required to spend at least one calendar month in the US before benefits can continue...
by rterickson
Sat Jul 25, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Private Party Sale of Car in California: Bait and Switch Update at Post 17
Replies: 34
Views: 3001

Re: Private Party Sale of Car in California: Bait and Switch Update at Post 17

CarMax in NorCal really likes low-mileage Toyota trucks.

They gave me a great price, well above KBB, for my 2004 Tacoma Prerunner when I sold it in 2015.

I still regret letting it go.
by rterickson
Sun Jul 19, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: How co-signing an apartment rent could affect a future mortgage request?
Replies: 3
Views: 352

Re: How co-signing an apartment rent could affect a future mortgage request?

By co-signing you are taking on the obligation to pay the rent in the event that your parents do not. If you don't pay, and the landlord gets a judgement against you, that will negatively affect your credit. When you apply for a mortgage, you will be expected to disclose all of your monthly obligati...
by rterickson
Sat Jul 18, 2020 5:05 pm
Forum: Personal Consumer Issues
Topic: Hummus Alternative:
Replies: 33
Views: 3414

Re: Hummus Alternative:

Replace some of the beans with cooked root vegetables. Beets and carrots make particularly colorful hummus.
by rterickson
Tue Jul 14, 2020 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Tax Deadline Tomorrow - Return (Presumably) Sitting in a Truck Somewhere
Replies: 47
Views: 2834

Re: Tax Deadline Tomorrow - Return (Presumably) Sitting in a Truck Somewhere

Back in the day when everyone filed by mail, the USPS would have employees stationed in post office parking lots so you could drive by and drop off your return just before midnight on the 15th. The returns were postmarked accordingly.
by rterickson
Tue Jul 14, 2020 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Western Union (alternatives to...) - send money to Indonesia
Replies: 15
Views: 781

Re: Western Union (alternatives to...) - send money to Indonesia

datamonkee wrote: Tue Jul 14, 2020 7:55 am Thanks.

I guess the thing that bugs me most is that WU asks for my bank's login and password. Is that necessary?
It's necessary if you want them to take the funds out of your bank account, yes.

IIRC, WU also accepts credit cards, but the fees are pretty high.
by rterickson
Sun Jul 12, 2020 5:44 pm
Forum: Personal Consumer Issues
Topic: whole house water filter -- do you have one? if so, share details
Replies: 16
Views: 1020

Re: whole house water filter -- do you have one? if so, share details

Your water supply is a mixture of groundwater (local wells) and surface water (Folsom Lake). The percentage of each varies from year to year and season to season, and it's likely that no-one really knows the exact mix. The surface water is primarily from snow melt and tends to be very pure and doesn...
by rterickson
Sun Jul 12, 2020 4:52 pm
Forum: Personal Investments
Topic: HSA and portfolio help
Replies: 5
Views: 457

Re: HSA and portfolio help

If only one of you is covered by a HDHP, you can contribute up to $3,550 to an HSA for 2020. If both of you are covered by the same insurance, to family limit is $7,100.
by rterickson
Sun Jul 12, 2020 4:37 pm
Forum: Personal Investments
Topic: Likelihood of Vanguard LifeStrategy Growth Fund changing in the future?
Replies: 4
Views: 768

Re: Likelihood of Vanguard LifeStrategy Growth Fund changing in the future?

I think Vanguard is likely to always have LifeStrategy funds including some sort of 80%/20% Stock/Bond Growth Fund. They may adjust the relative balances between International & US, but it probably won't be a huge change. Are your holdings taxable or tax-advantaged? If they are pre-tax accounts ...
by rterickson
Sun Jul 12, 2020 9:55 am
Forum: Personal Investments
Topic: Too much in savings?
Replies: 83
Views: 9961

Re: Too much in savings?

What are my options for low/no risk as opposed to the ALLY savings account where I am getting 1.1%? Check out online bank rates at bankrate.com Marcus is currently paying 1.04%. If all of your cash is in one single account (didn't see your response to this question asked by several posters) you sho...
by rterickson
Sat Jul 11, 2020 4:01 pm
Forum: Personal Investments
Topic: 81 yr old -need simple investment strategy
Replies: 56
Views: 6098

Re: 81 yr old -need simple investment strategy

FWIW, Schwab has some excellent low fee index funds available, none of which require the services of an AUM "advisor".

You could just fire him and take the reins yourself and be much better off, with less work.
by rterickson
Sat Jul 11, 2020 3:47 pm
Forum: Personal Investments
Topic: 3 fund portfolio 401k with Voya
Replies: 17
Views: 1044

Re: 3 fund portfolio 401k with Voya

You state that your desired asset allocation is 65%/25%/10% US Stock/International Stock/Bond. That is a fine plan for your age and you should stick with it. Target Date 2055 is another good approach and it's simpler. There is no value in trying to shoot for an exact AA across all individual account...
by rterickson
Sun Jul 05, 2020 10:46 am
Forum: Personal Investments
Topic: Early Retirement Check Up - Looking for Direction
Replies: 43
Views: 4075

Re: Early Retirement Check Up - Looking for Direction

I'm not really taking SS into account for planning purposes anyway. I think it gets reduced by my pension somehow as well. Look on your pay stub, if you are paying Social Security payroll taxes (FICA) then your SS benefits will NOT be reduced because of the pension. Also look at the details of your...
by rterickson
Tue Jun 30, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: 2% cash back credit card without extensive credit history
Replies: 10
Views: 1176

Re: 2% cash back credit card without extensive credit history

If you sign up for an account at Credit Karma they will give you recommendations for cards to apply for ranked by odds of approval.
by rterickson
Tue Jun 30, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Application Denied to Open a New Checking Account
Replies: 30
Views: 2578

Re: Application Denied to Open a New Checking Account

Be aware that if you remove yourself as an authorized user on your mother's accounts your available credit is going to drop from $35,000 to $5,000. That is also going to hurt your score. I would focus on adding additional cards of your own first.