Search found 1212 matches

by earlyout
Fri Sep 23, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Would you buy this house in a flood zone? HELP!
Replies: 63
Views: 3190

Re: Would you buy this house in a flood zone? HELP!

Federal flood insurance only provides for limited recovery. I don't know what it is today but 8 years ago, IIRC, the maximum was $250,000. Supplemental flood insurance was available from a few carriers in some areas but only after you had the federal insurance. You said you could pay cash but I woul...
by earlyout
Wed Sep 21, 2016 7:23 am
Forum: Personal Consumer Issues
Topic: Those who are having Ooma
Replies: 13
Views: 1964

Re: Those who are having Ooma

Keep in mind that there are other VOIP systems available that cost less than Ooma and offer features not available on the basic Ooma package. Voice quality with VOIP is primarily a function of your internet connection and speed so if your satisfied with the voice quality using Ooma, you should be eq...
by earlyout
Mon Sep 19, 2016 6:54 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular - Home Phone Promotion
Replies: 5
Views: 544

Re: Consumer Cellular - Home Phone Promotion

Since one of your reasons for having the landline is to have a backup for your CC mobile I don't think you want to have the CC home phone. If the CC network is down, neither phone would work. You would be better off with a back up mobile phone using a different carrier. Just be careful you don't end...
by earlyout
Sun Sep 18, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: “Timing” Retirement IRA Sales for Future-Year Withdrawals?
Replies: 11
Views: 835

Re: “Timing” Retirement IRA Sales for Future-Year Withdrawals?

Congratulations! You've discovered the fallacy of "bucket" schemes of any kind. Whether you want 1 year or 5 years of cash set aside, at some point you have to to refill the bucket so eventually you must sell something. The result is you either try to time the market (which usually is not...
by earlyout
Sun Sep 18, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: “Timing” Retirement IRA Sales for Future-Year Withdrawals?
Replies: 11
Views: 835

Re: “Timing” Retirement IRA Sales for Future-Year Withdrawals?

Congratulations! You've discovered the fallacy of "bucket" schemes of any kind. Whether you want 1 year or 5 years of cash set aside, at some point you have to to refill the bucket so eventually you must sell something. The result is you either try to time the market (which usually is not ...
by earlyout
Wed Sep 14, 2016 6:10 pm
Forum: Personal Consumer Issues
Topic: How to fix doors that don't close after new carpet installation
Replies: 36
Views: 2456

Re: How to fix doors that don't close after new carpet installation

The tools and technique will vary depending on the construction and materials used in your doors. Using the wrong tools could ruin the door. Look for a "finish carpenter" or "trim carpenter" in your area and have them come out and give you a quote for cutting off the doors. They ...
by earlyout
Sun Sep 04, 2016 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tax: Personal Care Assistant for spouse
Replies: 11
Views: 852

Re: Tax: Personal Care Assistant for spouse

Usually caregiver expenses are not an employer expense but I guess if it is your spouse's company, they could be. To further clarify this situation, a few questions: 1. Is the caregiver being paid by the company or from your personal accounts? 2. Am I correct that you are not an employee of the comp...
by earlyout
Sat Aug 27, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about POA for my mother
Replies: 29
Views: 1862

Re: Questions about POA for my mother

Your mother also needs a will if for no other reason than your durable POA is good only until she dies. Following her death, you need to be executor or her will to take care of financial matters. Without a will, you will have to wait until the court appoints your the executor of her estate or be hap...
by earlyout
Sun Aug 14, 2016 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: HOA Ruling
Replies: 34
Views: 3798

Re: HOA Ruling

What does the most recent set of rules say? It doesn't matter what the rules were when you moved in. I'm on the board of a townhouse community where I own a rental. Past boards played fast and lose with the rules and gave themselves and friends lots of leeway. So there are a number of non-conformin...
by earlyout
Sun Aug 14, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: HOA Ruling
Replies: 34
Views: 3798

Re: HOA Ruling

IANAL but the mortgage holders may also have to approve any change to the covenants. My current HOA requires 2/3 of the unit owners and their mortgage holder to approve any change in the covenants. Do you know if your neighbor's oversized shed was approved by the board or did he just build it that s...
by earlyout
Fri Aug 12, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Request for recommendations: English Mystery TV series
Replies: 74
Views: 4255

Re: Request for recommendations: English Mystery TV series

Certainly Prime Suspect with Helen Mirren would be very close to the top of the list along with Foyle's War and Inspector Morse.
by earlyout
Thu Aug 11, 2016 7:27 pm
Forum: Personal Consumer Issues
Topic: air conditioning filters
Replies: 36
Views: 2660

Re: air conditioning filters

Just so you know, Amazon sells 6 packs of Filtrete filters in all kinds of sizes and at prices less than buying them individually at a big box store. Very convenient and less hassle than looking for a particular filter in some odd size.
by earlyout
Sun Aug 07, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: new smart phone - are all Androids like this??
Replies: 9
Views: 921

Re: new smart phone - are all Androids like this??

I use a Moto G with Marshmallow but I use Firefox as a browser. I don't remember for certain but maybe GV interference was why I switched to using Firefox. I have no problems with Firefox.
by earlyout
Mon Aug 01, 2016 8:44 pm
Forum: Personal Consumer Issues
Topic: Audi / VW TDI Buyback. Are you waiting or selling back ASAP?
Replies: 14
Views: 1376

Re: Audi / VW TDI Buyback. Are you waiting or selling back ASAP?

When the first thread came out, we were all in to keep it and drive until the absolute last minute, save up for a replacement car, etc... And then 3 weeks ago, I came out of the dentist to find my 2009 TDI front passenger side completely smashed in by a rogue drunk driver (4pm in the afternoon) I'm...
by earlyout
Mon Aug 01, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: Audi / VW TDI Buyback. Are you waiting or selling back ASAP?
Replies: 14
Views: 1376

Re: Audi / VW TDI Buyback. Are you waiting or selling back ASAP?

Although the buyback offer for my A3 is tempting I'm going to wait until they decide how they will correct the emissions problem. The money is the same whether I sell it to them or if I let them fix it. If their is general agreement that the emissions fix will work and not be a major hit to mileage ...
by earlyout
Mon Aug 01, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: "Reverse Engineering" a retirement lifestyle/budget
Replies: 7
Views: 1445

Re: "Reverse Engineering" a retirement lifestyle/budget

I was in my mid 50s and thinking retirement was several years away when I was presented with the opportunity to retire immediately. At that time we did not have a real financial plan or budget for retirement. An early version of Financial Engines (with all of its limitations) indicated that we had e...
by earlyout
Fri Jul 29, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Who should get Power of Attorney?
Replies: 6
Views: 604

Re: Who should get Power of Attorney?

Upon advice of a prior lawyer, my spouse and I have given each other Durable Power of Attorney. Reviewing our estate and other issues, a new lawyer advised us to go further and additionally designate someone else the same PoA. They argue this is needed for circumstances where we are both incapacita...
by earlyout
Fri Jul 29, 2016 3:56 pm
Forum: Personal Consumer Issues
Topic: Breathe Right nasal strips: more economical alternative?
Replies: 16
Views: 1436

Re: Breathe Right nasal strips: more economical alternative?

I have tried a few alternatives but nothing I've tried is comparable to the actual Breathe Right strips. Perhaps I'm lucky but if I remove them carefully and put them in a drawer, I can reuse them for 3-5 nights without any problems.
by earlyout
Fri Jul 22, 2016 2:11 pm
Forum: Investing - Theory, News & General
Topic: Recession post-election?
Replies: 40
Views: 2999

Re: Recession post-election?

My guru on all questions about the future, especially political, financial and economic ones: http://s2.quickmeme.com/img/1b/1bd653ca7760b8bb57c60797e773b15b4c6a92ea476e60e91e2e1e264cd5d43f.jpg (You should hear him chortle and laugh inside my head whenever I get a notion...) I needed a good laugh t...
by earlyout
Wed Jul 20, 2016 7:15 am
Forum: Personal Finance (Not Investing)
Topic: I froze my credit, here's what happened next...
Replies: 20
Views: 3597

Re: I froze my credit, here's what happened next...

A reminder that the credit bureaus keep separate files on each spouse so it is sometimes necessary to unfreeze two accounts for a joint credit application such as a mortgage. Our accounts have been frozen for several years and I always had trouble remembering where I hid the PINs but have found in r...
by earlyout
Mon Jul 18, 2016 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, at what age did you "retire"? Is it working out?
Replies: 63
Views: 9665

Re: Early retirees, at what age did you "retire"? Is it working out?

Retired 16 years ago in my late 50s with the market sliding downhill but everything is working out well. We have not spent as much as we planned and investment performance has exceeded expectations so our retirement funds are holding up better than we could have hoped. Biggest problem initially was ...
by earlyout
Sat Jul 09, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Can we start another forum section? [Taxation of Social Security benefits]
Replies: 60
Views: 4666

Re: Can we start another forum section? [Taxation of Social Security benefits]

True, and that's why I believe it is much better to look at effective rates.
by earlyout
Wed Jul 06, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Penalty for not signing up for [Medicare Part D]
Replies: 6
Views: 796

Re: Penalty for not signing up for Schedule D

earlyout, Thank you for your prompt reply. Turned 71 this past April. There are ways to avoid the penalty but let's assume you do not meet any of the requirements. You are 6 years and 3 months (75 months) late in applying for Medicare Part D so your penalty will be 75% of $34.10 each month (about $...
by earlyout
Wed Jul 06, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Penalty for not signing up for [Medicare Part D]
Replies: 6
Views: 796

Re: Penalty for not signing up for Schedule D

You left out an important fact. How old are you? You become eligible for Medicare when you are 65 and the date you retire has no effect on the rates you will pay. (I assume you are talking about Medicare, not income tax forms.)
by earlyout
Wed Jul 06, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Turning down employer provided universal life insurance?
Replies: 19
Views: 1489

Re: Turning down employer provided universal life insurance?

Do you know for sure that you can name the beneficiary of this policy? You imply that your family would benefit but it is possible the insurance exists for your employer's benefit.
by earlyout
Tue Jul 05, 2016 8:45 am
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 109
Views: 11484

Re: $400,000 Roth Conversions Between Ages 66-69?

earlyout, thanks for example of using tIRA as income to qualify for medical deduction. I thought you were implying some direct tax free withdrawal method and I was missing the boat somewhere :beer Now consider the same example but they also have a $500,000 traditional IRA. Should they use any of th...
by earlyout
Tue Jul 05, 2016 6:50 am
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 109
Views: 11484

Re: $400,000 Roth Conversions Between Ages 66-69?

Long term care expenses are usually tax deductible, so it is good to have some TIRA dollars to use for these expenses should that be necessary. I'm not sure I understand this point. Even if these expenses are tax deductible, what's the advantage of having tIRA dollars available. As far as I know, t...
by earlyout
Mon Jul 04, 2016 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 109
Views: 11484

Re: $400,000 Roth Conversions Between Ages 66-69?

Although there are good arguments for converting all of your traditional IRAs to Roth, please make sure you have good LTCI before you convert all of your TIRA to Roth. Long term care expenses are usually tax deductible, so it is good to have some TIRA dollars to use for these expenses should that be...
by earlyout
Mon Jul 04, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 109
Views: 11484

Re: $400,000 Roth Conversions Between Ages 66-69?

So, in theory every year you would ask Vanguard to set up a "new" Roth account to handle that year's conversion, and they would have no objection to that? You could end up with quite a few Roth accounts under this system. Would Vanguard consolidate them at some point, just to neaten thing...
by earlyout
Wed Jun 29, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Any VW or Audi TDI owners out there with thoughts on settlement?
Replies: 32
Views: 2583

Re: Any VW or Audi TDI owners out there with thoughts on settlement?

I purchased a low mileage 2011 A3 TDI for $19,000 a little over a year ago. Audi will buy it back for $25,900 or pay me $6900 if I let them fix it. Either way its a good deal. Based on what I have read, these payouts will not change if I wait as long as possible to decide. Cancel my collision? I thi...
by earlyout
Thu Jun 23, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees >65 y/o: How much do you spend on health insurance?
Replies: 17
Views: 2289

Re: Retirees >65 y/o: How much do you spend on health insurance?

For two of us Medicare is $210/month and we pay $195/month for secondary medical insurance subsidized by a former employer. The secondary insurance includes Part D and a Medicare supplement comparable to Medigap F. No dental or vision.
by earlyout
Thu Jun 23, 2016 11:33 am
Forum: Personal Consumer Issues
Topic: Replacing rotten stud in wall
Replies: 32
Views: 2604

Re: Replacing rotten stud in wall

The $3000 is reasonable considering that it will take parts of at least 3 days to do the work. The bid included fixing the drywall and repainting. Do you know for certain that the rotten studs and sill plate did not have termite damage before they got soaked with water? Rotten wood like you describe...
by earlyout
Mon Jun 20, 2016 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house and IRS question
Replies: 19
Views: 1125

Re: Buying a house and IRS question

Did you include the two 1099's on your tax return?
by earlyout
Tue Jun 14, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Moving cross country. Tips? Insurance needed?
Replies: 12
Views: 751

Re: Moving cross country. Tips? Insurance needed?

Our most recent long distance move was 7 years ago but I would strongly advise you to get full replacement insurance from the moving company. It has been our experience that if the movers know their company is responsible for everything that is damaged or lost, they are more careful about how items ...
by earlyout
Wed Jun 08, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: First experience unlocking my credit
Replies: 5
Views: 606

Re: First experience unlocking my credit

My experience has been similar to Steve's. Our credit bureau accounts have been locked for many years and the few times I applied for a new credit card or more typically, changed phone carriers, I would ask which credit agency they used and unlock that account for a few days. It has been troublefree...
by earlyout
Sun Jun 05, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Best Saw Blade to Purchase for this DIY
Replies: 32
Views: 1758

Re: Best Saw Blade to Purchase for this DIY

Have you tested your procedure? Buy a piece of 4x4 lumber, fix it in an upright position that has a little wobble in it ( I have never seen a newel post that wouldn't move a bit) and then try you jig/sawzall method. Suggest you cut from each of the four sides of the post keeping in mind that the oak...
by earlyout
Mon May 30, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 14
Views: 1217

Re: Growth of Medicare Advantage enrollment

The key here is whether or not Medicare continues to subsidize the MA plans. Part of the original ACA planning was that the subsidization of MA plans would be phased out and eventually eliminated.
by earlyout
Sun May 29, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: Consumer Cellular - plan changes, eliminating overage charges
Replies: 25
Views: 1985

Re: Consumer Cellular - plan changes, eliminating overage charges

Does Consumer Cellular charge just for the number of days on a particular plan or are you charged for the highest cost plan you use during that billing cycle? I'm guressing it is probably the latter so if you go over at the end of your billing cycle, which is when it will happen, you will move to th...
by earlyout
Sun May 22, 2016 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Understanding How Financial Advisors Are Compensated, by Wade Pfau
Replies: 16
Views: 2169

Re: Understanding How Financial Advisors Are Compensated by Wade Pfau

The article and table unfortunately are misleading. One would come away thinking that fee only advisors do not get commissions. He briefly notes that some advisors can switch between paid by client and paid by commissions, but he implies that these would be called fee based. Many firms call themsel...
by earlyout
Wed May 18, 2016 8:44 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 2)
Replies: 101
Views: 9563

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans?

Don't overlook the idea of being able to claim your mother as an additional dependent on your income tax return. I suggest you look over the rules for claiming her as a dependent and then try not to structure any financial arrangement with you mother that would jeopardize being able to satisfy those...
by earlyout
Mon May 16, 2016 8:22 am
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2401

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

Six year old desktop pc and never any hardware problems. I turn it on in the morning and off at night, never sleeps. This gets rid of web history and clears out memory leakages every day. My monitor goes to sleep/power save after 3 minutes of being idle but that comes back in a few seconds.
by earlyout
Wed May 11, 2016 5:38 pm
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 17768

Re: Where is Rick Ferri? [Portfolio Solutions management and fee structure]

... Hard to know just what happened at one place, but I thought the 0.37% fee used to include financial planning, not just investment management?? Now you get investment management and nothing else for that price. I suspect it is an attempt to hold on to current clients. Since most of the work othe...
by earlyout
Tue May 10, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to figure out best mechanism to become owner of my parents' property
Replies: 10
Views: 1215

Re: Trying to figure out best mechanism to become owner of my parents' property

Do your have an agreement with the mortgage holder that the property can be transferred without the mortgage be due and payable or have you arranged new financing on the property? Do you have an agreement with the others on the FMV of the property?
by earlyout
Sun May 08, 2016 9:44 am
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 17768

Re: Where is Rick Ferri? [Portfolio Solutions management and fee structure]

Just an fyi to get a few known facts into the discussion. The recent ADV Part 2 filed by Portfolio Solutions shows Mr. Ferri with 25% of Portfolio Solutions and Gladney the other 75%. There is no other mention of Mr. Ferri in this ADV which does gives the credentials of the managers and advisors wor...
by earlyout
Sat May 07, 2016 5:21 pm
Forum: Personal Consumer Issues
Topic: Hitting out of pocket max / Does Aetna track out of pocket spend?
Replies: 7
Views: 697

Re: Hitting out of pocket max / Does Aetna track out of pocket spend?

Read all of your EOB. Every EOB I have received from Aetna over the past 10 years has a section that states how much I have spent OOP for myself and for the family for the current year. If you are paying a provider more than their negotiated rate with Aetna your OOP will not agree with Aetna's since...
by earlyout
Wed May 04, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Should my Mom take a large distribution from her IRA before I inherit it?
Replies: 22
Views: 2512

Re: Should my Mom take a large distribution from her IRA before I inherit it?

Remember that medical expenses incurred by your mother are deductible and could be significant this year. These medical expenses could offset some or all of the income from the Roth conversion.
by earlyout
Sat Apr 30, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Change of Lifestyle in Retirement/Mobility
Replies: 9
Views: 1712

Re: Change of Lifestyle in Retirement/Mobility

So you want to travel and sense the freedom that comes from not being tied to a place or to a career. I retired 15 years ago and this urge to travel was one of the things I needed to satisfy. It took much longer than a couple of years and has not yet been satisfied. The more you travel the more you ...
by earlyout
Fri Apr 29, 2016 8:01 pm
Forum: Personal Consumer Issues
Topic: Atlanta in August -- worth it?
Replies: 51
Views: 3179

Re: Atlanta in August -- worth it?

If you come to Atlanta this summer plan to spend a late afternoon / early evening at the Botanical Garden which is adjacent to Piedmont Park. A new exhibit in the Botanical Garden by the glass sculptor Dale Chihuly opens this weekend and will be there for 6 months. The Botanical Garden by itself is ...
by earlyout
Fri Apr 29, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Determining state residency
Replies: 5
Views: 634

Re: Determining state residency

Most likely you will have to file as part year resident in both states. However some states have strict rules regarding students establishing residency so they can collect out of state tuition . Check with the university and the revenue department for your new state to see if you will be able to est...

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