Search found 1191 matches

by RustyShackleford
Sun Dec 10, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: CDs that compound interest payments, at big brokerages ?
Replies: 16
Views: 1335

CDs that compound interest payments, at big brokerages ?

Like many, I have decided I'm better off with CDs than with bond funds, for money I plan to use in the new few years. Specifically, I would like to take the money I've budgeted for 2020 living expenses and put it into a CD; rates seem to be a little over 2% right now. The thing is, I learned the har...
by RustyShackleford
Sun Dec 10, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for filling out 15% bracket
Replies: 2
Views: 691

Re: Strategy for filling out 15% bracket

I asked this same question a few years back and it generated much great discussion. I strongly recommend you reads it: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=145381 I believe the gist was, you're probably better off using it for Roth conversion. That's the gift that keeps on giving, wh...
by RustyShackleford
Mon Dec 04, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 70
Views: 5128

Re: My dad's army jacket

I wouldn't fault her for having been sunk in a sneak attack.... I wouldn't either. But it amuses me that we (in the US) always speak of Pearl Harbor as a "sneak attack", and though it were some dastardly dishonorable thing. It was actually one of the most brilliant military actions in history. We'v...
by RustyShackleford
Mon Dec 04, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, and choosing not to take Medicare Part B
Replies: 37
Views: 3626

Re: Turning 65, and choosing not to take Medicare Part B

Speaking of Medicare Part B, I recently signed up for it, effective New Year's Day. I understand I'll have to pay $100+/month. But I've received absolutely nothing about how to pay the premium. I trust the gov't to take my money eventually :-) , but I'm just curious how this will work. I'm not curre...
by RustyShackleford
Mon Nov 20, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 10086

Re: Anyone planning on getting the new Pixel phone?

So I have a Nexus 5X, with insurance under Project Fi. What will happen if I lose or break my phone, if Nexus is no longer available ? If they just give me a Pixel (for $69) I might just "lose" my Nexus :-) Called Project Fi. They said if my phone needs warranty replacement, they will just give me ...
by RustyShackleford
Sat Nov 18, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 70
Views: 5128

Re: My dad's army jacket

My opinion is that this is still a free country, not a military dictatorship, and you should do as you please. If it feels disrespectful to you to wear it, or to wear it in public, do not do so. If it does not feel that way, wear it.
by RustyShackleford
Sat Nov 18, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6980

Re: Swedish Death Cleaning [De-clutter your home]

I'm not into this kind of extreme decluttering - I like my "stuff". However, after cleaning out my mother's house after she died about 10 years ago, I do have one approach. I occasionally ask myself, if I were to die tomorrow (and living alone), what would be the one worst place (closet, room, basem...
by RustyShackleford
Sat Nov 18, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 10086

Re: Anyone planning on getting the new Pixel phone?

These are all reasons why I loved my nexus and I'm very sad that Google discontinued that line. The Pixel looks like a great phone, but I have a hard time paying that kind of money for a phone. So I have a Nexus 5X, with insurance under Project Fi. What will happen if I lose or break my phone, if N...
by RustyShackleford
Sat Nov 18, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: United change fees
Replies: 28
Views: 1933

Re: United change fees

This is why I like Southwest Airline better, no change fee. And no luggage fees. And alcoholic beverages are only $5 (as opposed to $8 on Delta, not sure about other airlines). The palpable sense that the airline is trying to screw one, that one gets on most every domestic airline, is eerily absent...
by RustyShackleford
Mon Nov 13, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6933

Re: Tipping in living wage state. Redux.

It's about social norms and what you consider to be proper behavior. Why are you asking the community about what norms you want to abide by? Uh, social norms are defined by what a community thinks. I guess the people on this thread aren't the same community as where the OP lives, but still ...
by RustyShackleford
Sun Nov 12, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4143

Re: Septic tank - deal killer?

I believe people are overly worried about septic tanks. If it works today It will probably work tomorrow and next year. I tend to agree. Though, as you say, YMMV may vary depending on where you live. My experience is that I've lived in my house for 30 years, since it was built, singly some time, as...
by RustyShackleford
Sun Nov 12, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4874

Re: Worth changing 40 gal. to 30gal. hot water tank?

... it is actually more efficient to go with a bigger unit, as the surface area to volume ratio is much smaller. It depends on what you mean by "efficient". For the question the OP is asking, the thing to look at is how much energy will he save with the smaller tank, and this depends solely on the ...
by RustyShackleford
Sun Oct 29, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 214546

Re: TV show recommendations?

I just did a trial account at Hulu, in order to watch "The Handmaid's Tale". It is excellent, and as timely as today's headlines (as the saying goes). The lead actress, Elisabeth Moss, who was good in "West Wing" and great in "Madmen", is astonishing in this; I've never seen an actor do as good a jo...
by RustyShackleford
Wed Oct 25, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4169

Re: Medicare Advantage vs. Supplemental

I attended the outreach meeting today (from the retiree health system from my old employer from whom I've been getting health insurance since I quit them with many years of service some years ago). I've about decided to go with the group Medicare Advantage plan, from United Healthcare, tailored for ...
by RustyShackleford
Wed Oct 25, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4169

Re: Medicare Advantage vs. Supplemental

Current and expected future health as well as your local Medicare Advantage market are all contributing factors. If you choose MA you can switch to a supplemental plan within the first 12 months without underwriting. As I have failed to clarify (but a helpful person here did) I wouldn't be getting ...
by RustyShackleford
Wed Oct 25, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4169

Re: Medicare Advantage vs. Supplemental

So I'm not sure why Plan F or G plus Part D is better (or even as good) in this regard. You have a fixed monthly cost in premiums that covers medical services without any out of pocket for plan F or just about $200 for plan G. Drugs cost extra and hopefully part D helps out a lot. Drugs are what I ...
by RustyShackleford
Wed Oct 25, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4169

Re: Medicare Advantage vs. Supplemental

4nwestsaylng wrote:
Tue Oct 24, 2017 11:03 pm
Not a chance. Ask doctors if they would choose MA. There is your answer.
I did ask my doctor. He had no strong opinion one way or the other. I don't THINK the Illuminati have got to him yet, but I could be wrong.
by RustyShackleford
Tue Oct 24, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4169

Re: Medicare Advantage vs. Supplemental

If you have documented the net medical cost (premiums, copays, deductibles, plan covered expenses etc) in the 10 years leading into Medicare eligibility ... I have done this, somewhat, at tax time, because I'd flirted with being able to have deductible medical expenses a couple times (and made it o...
by RustyShackleford
Tue Oct 24, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4169

Re: Medicare Advantage vs. Supplemental

I wish you well with a MA plan. You are very wise to try to understand all of the complex rules. I also suggest staying informed about your MA plan, as well as other MA plans available in your area. Although not very common, if there are any Medicare Cost (MC) plans available to you, stay informed ...
by RustyShackleford
Tue Oct 24, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4169

Re: Medicare Advantage vs. Supplemental

2. I believe if you start (at 65) on a MA plan, then switch off in the 1st year, you can get on a Medigap plan. 3. I don't know all the details, but I think if you are on an MA plan and then do not have the availability of an MA plan, you can get a Medigap supplement. I just got my copy of the Thir...
by RustyShackleford
Mon Oct 16, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4169

Re: Medicare Advantage vs. Supplemental

Here in Western NC, the largest insurer in the state, BCBS NC, and the largest hospital system, Mission, have had a falling out--the hospital is no longer in network for BCBS. As I understand it, this does not affect traditional Medicare/Medigap patients but does affect those with BCBS Medicare Adv...
by RustyShackleford
Mon Oct 16, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4169

Re: Medicare Advantage vs. Supplemental

When this thread was still young, I was exchanging Private Messages with the OP through this site. For just that reason, privacy, I’m not going to divulge anyone's personal details here. But it’s a fact, whether on this forum or elsewhere, that the quality of perspectives and recommendations can on...
by RustyShackleford
Sat Oct 14, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4169

Re: Medicare Advantage vs. Supplemental

I could be wrong, but I think that what your company is saying is that either the UHC MA plan or the BCBS 70/30 plan would become secondary to Medicare. Correct. If the BCBS plan does not include drug coverage, then you would need a Part D plan. There would be no "fourth" policy or provider. The BC...
by RustyShackleford
Sat Oct 14, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4169

Re: Medicare Advantage vs. Supplemental

Thanks very much, everyone, for your thoughtful responses. Here are my takeaways ... 1. I'm more likely to have more choice in providers with Medigap (vs. Medicare Advantage). Though I've called every doctor I've seen in the last years, including 4 specialists, and they all take the United Healthcar...
by RustyShackleford
Thu Oct 12, 2017 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4169

Medicare Advantage vs. Supplemental

So I'm at the age where I have to make these decisions. Lord, it's complicated. I thought our health "care" delivery system was, as David Brooks said, "created by an evil genius", but I had no idea until now :-) Anyhow, the first-order decision is whether to go with the Medicare Advantage (aka. Part...
by RustyShackleford
Mon Sep 11, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: "Structured" Flip Flops, Slides
Replies: 30
Views: 3441

Re: "Structured" Flip Flops, Slides

For outdoors, Chacos, the Z1 version with no toe loop, which is a personal preference. They have heavy, contoured soles that provide significant protection for the feet. Their various models have different strap configurations to hold the shoe on the foot without any need for the foot to grip them....
by RustyShackleford
Fri Jul 21, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 22872

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

The change from Prime to Federal as your settlement fund is a result of Federal regulations. It has nothing to do with the upgrade. Can you explain ? Am I correct that my only recourse is to manually move money from Federal to Prime periodically ? Ah well, distributions for the Federal are about 60...
by RustyShackleford
Fri Jul 21, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 22872

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

So I went ahead an "upgraded" my account (from mutual fund to brokerage) on the understanding that "nothing would change" except I'd have more availability of purchasing ETFs and the like. However, I now see that my "settlement fund" is the Federal Money Market. Formerly, I used Prime Money Market a...
by RustyShackleford
Thu Jun 29, 2017 11:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 22872

transition to Vanguard brokerage ?

[Thread merged into here, see below (next page). --admin LadyGeek] I received an email from Vanguard today inviting me to "move to the Vanguard brokerage account". The main text is: We invite you to transition your Vanguard mutual fund account to the Vanguard Brokerage Account—a simple, more flexib...
by RustyShackleford
Thu May 25, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 34
Views: 5857

Re: IRS says I owe..I don't

Actually, the IRS provides a fax number for responding to these notices and that's the best way to respond. I simply phoned them (800-number in the letter). Half-hour or so of saying the same thing (over and over again) to a pleasant but perhaps not-the-brightest bulb agent, and she finally said "o...
by RustyShackleford
Thu May 25, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax letter triggered by Turbotax's 8606
Replies: 50
Views: 6862

Re: IRS tax letter triggered by Turbotax's 8606

I just had a CP2000 for a related reason. I did a Roth conversion and completely recharacterized it (in the following year, the year I filed). Turbotax didn't include Form 8606 in my e-filed return, and my reading of the instructions tells me that Turbotax was correct (as it usually is). If a Form ...
by RustyShackleford
Wed May 24, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 2074

Re: Bradford White Electric Water heater?

Another thing to consider, when you're having your unit replaced, is to add a hot-water tempering valve. This allows you to set the tank temperature higher, and it premixes the tank hot water with a little cold water before it goes into your hot water pipes. Otherwise, there would be a scalding risk...
by RustyShackleford
Wed May 24, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 2074

Re: Bradford White Electric Water heater?

What do people think about hybrid heat pump water heaters? I don't think much of them; nor solar hot water. Both are expensive and complex. Instead, get a simple, cheap, high-efficiency electric storage-tank style water heater. Then take that $1000+ (you were going to put into the heat pump or sola...
by RustyShackleford
Tue May 23, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax letter triggered by Turbotax's 8606
Replies: 50
Views: 6862

Re: IRS tax letter triggered by Turbotax's 8606

I just had a CP2000 for a related reason. I did a Roth conversion and completely recharacterized it (in the following year, the year I filed). Turbotax didn't include Form 8606 in my e-filed return, and my reading of the instructions tells me that Turbotax was correct (as it usually is). If a Form 8...
by RustyShackleford
Tue May 23, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 2074

Re: Bradford White Electric Water heater?

sport wrote:If you are presently heating water with gas, be aware that electricity is likely to be a lot more expensive.
That's likely true for natural gas. For LP gas, it's probably the opposite.
by RustyShackleford
Tue May 16, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 4643

Re: Switch from iPhone to Google Fi and Pixel?

I have Project Fi and a Nexus 5X and love it. I'll admit though, coverage is not as good as GFs employer-provided Verizon iPhone. I would never own any computer other than a Mac; but I believe the iPhone is one of the most over-rated and over-priced products of all time. A couple of things I don't t...
by RustyShackleford
Wed Apr 05, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable SS Benefits
Replies: 28
Views: 3159

Re: Taxable SS Benefits

Right, but the $25K and $34K tiers for taxation of 0% and 50% go away, is what I meant to say. Right. If the 25K/34K tier existed for those filing separately (with two social security benefits) they'd actually get a tax break by filing separately, vs. a MFJ couple facing the 32K/44K tier. Which tax...
by RustyShackleford
Wed Apr 05, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable SS Benefits
Replies: 28
Views: 3159

Re: Taxable SS Benefits

Not quite accurate. MFS filing status causes 85% of Social Security to be taxable, not 100%. Right, but the $25K and $34K tiers for taxation of 0% and 50% go away, is what I meant to say. Ok, but 9 out of 10 married​ couples file jointly, so in practice this isn't usually an issue... I had no idea ...
by RustyShackleford
Tue Apr 04, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable SS Benefits
Replies: 28
Views: 3159

Re: Taxable SS Benefits

The BH Wiki provides good insight into the taxation of SS benefits. https://www.bogleheads.org/wiki/Taxation_of_Social_Security_benefits This seems to not address the issue of whether a married couple files jointly or separately. I was shocked to read, elsewhere, that for married-filing-separately,...
by RustyShackleford
Mon Mar 20, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 13977

Re:

leod wrote:$20 is the cost you have to pay for saving ink and trees :)
I realize you're joking ... but send $20 to some organization like National Resources Defense Council instead.
by RustyShackleford
Mon Feb 27, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Why not to do ROTH Conversion
Replies: 29
Views: 3610

Re: Why not to do ROTH Conversion

For me, retired but shy of 70yo, it's a no-brainer to do partial Roth conversions up to the top of the federal 15% marginal bracket each year. Especially as most of my TIRA withdrawals (even on lump-sum withdrawals and Roth conversions) is state-tax free. (Of interest to some, but not really relevan...
by RustyShackleford
Sun Feb 12, 2017 11:34 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 84
Views: 10630

Re: Charles Schwab Experiences?

I like Schwab very much too - about half my portfolio there, in after-tax, TIRA, and Roth accounts. Superb customer service. Also (I don't believe I've seen this mentioned), I really like their website; it makes Vangaurd and TIAA's look pathetic.
by RustyShackleford
Fri Feb 10, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: Total Bond is safe. Is it prudent?
Replies: 39
Views: 4540

Re: Total Bond is safe. Is it prudent?

Curious if anyone uses Intermediate Term Bond (VBILX admiral, BIV etf, ER .09) instead? Looks like it uses a 50/50 split on government/corporate. I do, because someone who sounded smart recommended it here - the idea basically being that intermediate is the right duration. I held some VCSH (short-t...
by RustyShackleford
Mon Feb 06, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Hotel Recommendations - Las Vegas
Replies: 20
Views: 2421

Re: Hotel Recommendations - Las Vegas

I like Tuscany Suites, because it's like a motel in that you can drive very close to your room, yet it's a short walk from the Strip. Has several swimming pools, decent Italian restaurant. Does have a casino, but easily avoidable. Be aware of the "resort fee" though.
by RustyShackleford
Thu Jan 26, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: 75 gallon hot water heaters
Replies: 40
Views: 4176

Re: 75 gallon hot water heaters

Bummer hearing about the larger ones banned. It's the kind of thing that gives energy conservation a bad name. The "stand by" energy waste from a storage-tank water heater is proportional to the surface area of the tank (and the temperature differential between the hot water in the tank an...
by RustyShackleford
Thu Jan 26, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: PPT - why sharp rise this week ?
Replies: 5
Views: 576

Re: PPT - why sharp rise this week ?

Youngblood wrote:Gundlach recommended it in Barron's.

Oh yeah, I saw that. Could be my queue to get out - maybe sell with a trailing stop.

(Moderator: Guess I should have put this with "Help with Personal Investments").
by RustyShackleford
Thu Jan 26, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: PPT - why sharp rise this week ?
Replies: 5
Views: 576

Re: PPT - why sharp rise this week ?

alpenglow wrote:... perhaps a big, impatient order came in.

Sure, but If I try to place a sell trade, it's looking like I can get $5.20/share, so evidently people still offering that, no ?
by RustyShackleford
Thu Jan 26, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: PPT - why sharp rise this week ?
Replies: 5
Views: 576

PPT - why sharp rise this week ?

Anyone know why the sharp rise in the price of PPT (Putnam Premier Income Trust) market price over the last week or so ? It's a high-yield closed-end fund (junk bond ?) that I bought in an unfortunate "yield chasing" period. I'd kinda like to get out of it at some point, so wonder what's g...
by RustyShackleford
Sun Jan 22, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: wisdom of converting most TIRA to Roth
Replies: 19
Views: 2539

Re: wisdom of converting most TIRA to Roth

Is there a FAQ on the TGH vs Roth conversion?

I asked such a question awhile back, and there was some interesting discussion generated:

viewtopic.php?f=2&t=145381
by RustyShackleford
Sun Jan 15, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: wisdom of converting most TIRA to Roth
Replies: 19
Views: 2539

Re: wisdom of converting most TIRA to Roth

The title of your post is misleading IMO. What matters is tax-deferred, not whether the dollars are in a TIRA vs. some other tax-deferred retirement account. You are correct, especially as I have another tax-deferred retirement account, the TIAA-CREF RA. Of course, I do note that the T-C RA is the ...