Patzer’s Activity

Fri May 6

NL

Boards Post

Patzer replied to the Tax Strategies board. 3:43 PM

Re: RMDs and 401k's

I turn 70 1/2 in Oct 2018 - If I close my 401k and roll that over to my Trad IRA by 30 Dec 2018 and continue working through the end of 2019; would that work? What if I stopped work in April 2019? The balance in the 401k would be zero on 31 Dec [more]

Thu May 5

NL

Boards Post

Patzer posted to the Imp This Ride board. 10:49 AM

18 Years

18 years ago today I became a member of The Motley Fool online community. At the time, I was looking to understand stock investing better and to have cheaper transaction fees. I got that. Much of what the Fool proposed back then has not stood the [more]

NL

Boards Post

Patzer replied to the Living Below Your Means board. 8:49 AM

Re: Poll: Giving advice is easy

As noted by prior responses, this is a poorly crafted poll. But the underlying question is interesting enough.

But did YOU follow that advice when YOU were young?

As noted by prior responses, "young" is not well [more]

Fri Apr 29

NL

Boards Post

Patzer replied to the Credit Cards and Consumer Debt board. 4:42 PM

Re: FICO Question

A revolving loan is one in which you can borrow, pay and reborrow. Any installment loan that allows you to prepay in whole or in part without penalty does not become a revolving loan just because "you pick how much to pay, subject to a [more]

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Boards Post

Patzer replied to the Credit Cards and Consumer Debt board. 4:01 PM

Re: FICO Question

If I needed a new major appliance, or a new car, I'd consider financing. Especially, if it was no interest, like you did. At that point, it seems like it is both good for the credit score and beneficial for personal finances.

Does that
[more]

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Boards Post

Patzer replied to the Credit Cards and Consumer Debt board. 2:23 PM

Re: FICO Question

FICO estimates your ability to repay debt. It doesn't reflect what is best for your finances.

How does it estimate your ability to repay debt. There are not any incomes included in the calculations. It represents your credit
[more]

Tue Apr 26

NL

Boards Post

Patzer replied to the Imp This Ride board. 6:31 PM

Re: Drive-by

- My "seasonal" allergies. Holy Pollen, Batman. I have an appointment this week for my GP to discuss just WTF I can do about this. OTC is usually how I deal, but last year was a nightmare and the three weekends I've spent outside so far [more]

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Boards Post

Patzer replied to the Estate Planning and the Fool board. 6:18 PM

Re: Enhanced Life Estate Deed

I had been planning to go the revocable living trust for the house, but have found an instrument legal in our state called an enhanced life estate deed. My understanding is it works like a quit claim deed to transfer the property to our kids [more]

Fri Apr 22

NL

Boards Post

Patzer posted to the Running Fools board. 1:25 PM

Race Report: 120th Boston Marathon

A few days before the race, I described my expectations:

I expect to finish well ahead of median in my age group, but nowhere close to an age group award. I'm far more concerned about how I'll handle the logistics than about the race [more]

Wed Apr 13

NL

Boards Post

Patzer replied to the Living Below Your Means board. 4:50 PM

Re: Poll: Choose my next car

I would have included every make I could think of, but the poll only allowed five options.

I've been hearing good things about Kias


Toyota makes very good cars. Honda makes very good cars.

In November 2007, I found [more]

NL

Boards Post

Patzer replied to the Living Below Your Means board. 4:18 PM

Re: Car loan started

I usually recommend people to buy used, but when it comes to Toyota, I think most would be better off buying new due to their high resale values... and since most Toyota owners would rather take their Toyotas to their graves rather than [more]

Tue Apr 12

NL

Boards Post

Patzer replied to the An Open Letter board. 9:36 AM

Re: An Open Letter

Having run and walked 3.5 miles over the weekend and now working through the sore muscles that go with that little exercise, I cannot quite imagine a marathon.

Neither could I, five years ago. When I set out to see if I could become a
[more]

Sun Apr 10

NL

Boards Post

Patzer replied to the An Open Letter board. 9:57 PM

Re: An Open Letter

...official Boston Marathon merchandise...

Running?


Yes, I'm running Boston on April 18. I expect to be a middle of the pack runner, somewhat ahead of median in my age group but nowhere near an age group award.

Fri Apr 8

NL

Boards Post

Patzer posted to the An Open Letter board. 6:30 PM

An Open Letter

To Adidas,

When I saw that my order was being shipped FedEx, my heart sank. I've had repeated problems with FedEx claiming delivery failure for times when I was home and expecting delivery. I suspect the drivers slow down, see no car in the [more]

NL

Boards Post

Patzer posted to the Running Fools board. 9:54 AM

Boston 2016

Boston has been kind of a distant, surreal dream for a while. Now it's real, and it's imminent. I'm mid-way through taper, with the real crazy-making schedule coming next week.

A week from Monday, I'll be in Wave 2, Corral 4 at Hopkinton, [more]

Thu Apr 7

NL

Boards Post

Patzer replied to the Fools Fighting Fat board. 2:43 PM

Re: All of my pants

All of my pants are too big. All of them.

Yeah, the down side of losing weight is having to shop for clothes. But the beauty of maintenance is that if you can manage it, the clothes fit for a long time.

In 2011-2012 I had to [more]

Wed Apr 6

NL

Boards Post

Patzer replied to the Tax Strategies board. 4:06 PM

Re: Taxing SS benefits

Calculating my 'combined income' indicates that over 50% of my SS benefits are taxable.

At what rate are those benefits taxed at?


B. The taxable benefits are added to your regular income and taxed the same way as other [more]

Tue Apr 5

NL

Boards Post

Patzer replied to the Living Below Your Means board. 4:23 PM

Re: Verizon Plan

About a year ago, I went through a bit of a hassle to switch to Verizon prepaid. $45 per month, unlimited talk and text, 1 GB data. Since I had been living with a 1 GB plan for some time, the data is not a problem.

Then I signed up with [more]

Fri Mar 18

NL

Boards Post

Patzer posted to the An Open Letter board. 3:04 PM

An Open Letter

To Dell Computer,

The first two times your employee with the thick South Asian accent called me, I thought it was a scam or a wrong number. I blew him off. Later I looked, and it turned out he was calling my work number (after business hours [more]

NL

Boards Post

Patzer replied to the An Open Letter board. 2:53 PM

Re: An Open Letter

Hope you are happy. Why not, you already are dopey, grumpy and sneezy.

I suppose sleepy is too much to ask for.

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Boards Stats & Trivia

Big gold star, 5000 posts Old School Fool
Board Posts 7166
Recs Received 17483
People who have rec'd these posts 2271
Recs to Posts Ratio (last 30 days) N/A
Threads Started 529
Threads Started Percentage 7.38 %
Most Frequent Board Credit Cards and Consumer Debt
Very First Post Re: Buy carefully (5/5/1998)
Percentage of Posts Rec'd 55.19 %
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