Search found 1278 matches

by earlyout
Sun Jul 09, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody retired and relocated + bought a new house?
Replies: 26
Views: 2515

Re: Anybody retired and relocated + bought a new house?

The capital gain exclusion for a married couple filing a joint return is $500K ($250 per person) so you should be okay on this. After we retired in 2001 we bought a house in our new retirement city with cash from selling our then current home. Five ears later I was offered a no cost HELOC at a minim...
by earlyout
Sun Jul 02, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to dispute/correct IRS bill
Replies: 17
Views: 1450

Re: Best way to dispute/correct IRS bill

Look at lines 9a and 9b of your 2015 return. Line 9b should be the total of your qualified dividends (based on your comments the IRS accepts that entry). The entry on line 9a should be the total of your qualified dividends (line 9b) and any other dividends you received. Details of dividends received...
by earlyout
Sat Jul 01, 2017 5:42 pm
Forum: Investing - Theory, News & General
Topic: A plan for retirement withdrawal--opinions, please
Replies: 20
Views: 2027

Re: A plan for retirement withdrawal--opinions, please

Before you get too emotionally invested in a plan for 3 year smoothing of a 5% annual withdrawal you should read about the Variable Percentage Withdrawal scheme developed by a Boglehead. It is explained in the BH Wiki. Go there and search for VPW.
by earlyout
Wed Jun 21, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Insurance snafu with sewer line break at condo
Replies: 29
Views: 2763

Re: Insurance snafu with sewer line break at condo

Your best source of information is your insurance agent. As suggested, ask which insurance company would cover this type of damage and if there are any other coverage gaps between your homeowner's policy and the association's master insurance policy. Also be aware that insurance coverage for this ty...
by earlyout
Tue Jun 20, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 3280

Re: Liability with dogs, hypothetical

We had a relevant incident with our pit mix. A neighbor was on our property after asking permission to join our yardsale. His kid entered our house without permission and came out crying claiming our dog bit him. No witnesses, no history of aggression but there was a small scrape. The father threat...
by earlyout
Thu Jun 15, 2017 3:45 pm
Forum: Forum Issues and Administration
Topic: How do you get this Bogleheads page to go all the way across the screen
Replies: 11
Views: 1131

Re: How do you get this Bogleheads page to go all the way across the screen

Are you asking about changing the font size or changing the location of the line breaks? Ctrl + / Ctrl - change the font size but do not change the line breaks. I do not know of a way to keep the same size font and make each line longer so that you take advantage of a wider screen and have much more...
by earlyout
Thu Jun 15, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Cataracts & reading glasses
Replies: 31
Views: 2285

Re: Cataracts & reading glasses

It is perfectly reasonable to expect to read without glasses after cataract surgery. I had my second cataract surgery a month ago and the first surgery 6 months ago. After discussion with my ophthalmologist we decided to use the standard (Medicare pays) lenses optimized for an intermediate distance....
by earlyout
Thu Jun 08, 2017 8:05 am
Forum: Investing - Theory, News & General
Topic: Retirees: What are you doing about withdrawing?
Replies: 31
Views: 4286

Re: Retirees: What are you doing about withdrawing?

For the past 15 years, since I have been retired, my practice has been to replenish the checking account 2-3 times a year as the need arises. One of these times is when I take the RMD from my IRA and all occasions are accompanied by rebalancing to our desired asset allocation. Our expenses vary cons...
by earlyout
Thu Jun 08, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Medicare Bills
Replies: 2
Views: 307

Re: Medicare Bills

It all depends. Did your start Medicare Part B or just A? Are you receiving Social Security benefits? Medicare Part A is automatic and does not require a premium. It has been paid for with FICA. If you have started Medicare Part B and are receiving Social Security benefits, the premiums will be dedu...
by earlyout
Mon May 29, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 34
Views: 3754

Re: Firefox painfully slow

I closed Firefox and restarted but there was no option to revert to old profile. How do I get to the old profile? Open Firefox and type about:profiles in the address bar. That should list both profiles and allow you to switch between them. Using the (normally hidden) Profile Manager used to be much...
by earlyout
Sun May 28, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 34
Views: 3754

Re: Firefox painfully slow

I closed Firefox and restarted but there was no option to revert to old profile. How do I get to the old profile?
by earlyout
Sun May 28, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 34
Views: 3754

Re: Firefox painfully slow

^ What he said. If you have a lot of extensions, probably best to start FF in Safe Mode first. That temporarily takes all extensions off. Go to Help menu, select Troubleshooting Information and select Try Safe Mode. If that doesn't work, create a new profile. In your address bar, type "about:p...
by earlyout
Thu May 25, 2017 12:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 118
Views: 33060

Re: Master Thread for Portland, Oregon / Feedback on Advisors

Portland BHs - A friend recently moved to Portland and is looking for an advisor to help him rearrange his investments. I'm trying to help him and I was able to find two firms in Portland listed in Garrett. What feedback/experiences can you provide regarding New Outlook Financial and/or Koch financi...
by earlyout
Wed May 10, 2017 4:16 pm
Forum: Investing - Theory, News & General
Topic: Filling Tax Buckets In Retirement
Replies: 5
Views: 863

Re: Filling Tax Buckets In Retirement

Bogleheads, I am curious about filling tax buckets in retirement and wondering if anyone has any insight. I understand that your taxable income dictates the amount/percentage that you pay in capital gains tax on qualified dividends and sales of shares. However, I am a little unclear on what happens...
by earlyout
Mon May 01, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Missing SS earnings: Royalty
Replies: 6
Views: 586

Re: Missing SS earnings: Royalty

Note that you can only amend returns filed in the last 3 years. If you did not file an extension for 2013, as of April 18 you can only amend your returns for tax years 2014, 2015 and 2016.
by earlyout
Mon Apr 24, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can Power of Attorney override POD designations?
Replies: 12
Views: 1614

Re: Can Power of Attorney override POD designations?

You best do it before you health deteriorates too far or it may be too late. With that said, it's my understanding that most durable POAs give the agent power to do whatever you could do. If you can change the POD clause of your CDs, agents with POA powers could do the same. If you don't trust them...
by earlyout
Thu Apr 20, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can Power of Attorney override POD designations?
Replies: 12
Views: 1614

Re: Can Power of Attorney override POD designations?

You best do it before you health deteriorates too far or it may be too late. With that said, it's my understanding that most durable POAs give the agent power to do whatever you could do. If you can change the POD clause of your CDs, agents with POA powers could do the same. If you don't trust them ...
by earlyout
Tue Apr 18, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: What is the max SS income you could receive this year?
Replies: 38
Views: 4539

Re: What is the max SS income you could receive this year?

The FRA went up this year so there are fewer months to collect DRCs. This decreases the difference between benefits at FRA and at age 70.
by earlyout
Sun Apr 16, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Amended Return - Late 1099int from hsbc - which forms?
Replies: 5
Views: 218

Re: Amended Return - Late 1099int from hsbc - which forms?

You only need to send the 1040X and the revised Sched B (w/ attachment). No need to send the 1099.
by earlyout
Sat Apr 15, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Cost of Medicare Cataract surgery?
Replies: 20
Views: 1893

Re: Cost of Medicare Cataract surgery?

Almost without exception, Medicare Part B pays 80% of the cost they have negotiated for a medical service. The patient is responsible for the other 20% and this can be covered by supplemental insurance. Cataract surgery provides a good example. Last fall I had cataract surgery on my left eye. The en...
by earlyout
Mon Apr 10, 2017 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Zero-income-year - Roth Conversion or Capital Gains?
Replies: 22
Views: 1184

Re: Zero-income-year - Roth Conversion or Capital Gains?

Sooner or later someone will pay tax on the 401K money and they may pay more than 15%. On the other hand, tax on the capital gain can be avoided by donating the appreciated shares to a charity or via your estate with a stepped up basis. It could also be taken care of with tax loss harvesting in the ...
by earlyout
Sun Mar 26, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 tax reporting for referral income
Replies: 7
Views: 793

Re: 1040 tax reporting for referral income

Note the last phrase "if from your self-employment activity." This certainly is not a "self employment activity" so this does not apply in the op's case. Have you considered calling it a gift?
by earlyout
Thu Mar 23, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains on real estate?
Replies: 9
Views: 697

Re: Capital Gains on real estate?

They will have closing costs which will increase their basis but then they should try to document how much they spent on capital improvements. Maintenance of the property is just maintenance so money spent on things like a new roof and plumbing repairs do not increase the basis. If they filed for bu...
by earlyout
Mon Mar 20, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Want to buy a used Mini Cooper-> Talk me into it?
Replies: 45
Views: 5816

Re: Want to buy a used Mini Cooper-> Talk me into it?

I bought a 2 year old base model Mini in 2013 and drove it 3 years. No maintenance except a few oil changes at my independent BMW/Mini shop. Got pushed off the road by a garbage truck and the Mini was totaled but no injuries. The Mini was a wonderful car for around the city. A lot of fun to drive, r...
by earlyout
Sun Feb 12, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: When to Convert Multiple IRA to Roths? Before or after retiring?
Replies: 21
Views: 1408

Re: When to Convert Multiple IRA to Roths? Before or after retiring?

Each exemption is $4050... More if 65 or over. I think it is an extra $1050 or something. Actually, it's not anymore. They changed the rules to increase the Standard Deduction for age 65+. But those of us who itemize get nothing extra. So another crude means testing... Don't forget that the thresho...
by earlyout
Sun Feb 12, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Recharacterizing Roth to tIRA...how accurate do you need to be?
Replies: 12
Views: 829

Re: Recharacterizing Roth to tIRA...how accurate do you need to be?

The amount you recharacterize can be less than the amount of the conversion. Partial recharacterizations are very common. Since you apparently converted into an existing Roth leaving a little of the conversion behind in your Roth won't make any difference.
by earlyout
Sun Jan 15, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: wisdom of converting most TIRA to Roth
Replies: 19
Views: 2425

Re: wisdom of converting most TIRA to Roth

Converting everything to a Roth may not be a good idea. LTC expenses, should they be needed by you or by a dependent, are often a tax deductible expense. This expense can be used to offset the taxable income from traditional IRA distributions.
by earlyout
Sat Jan 14, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Value of Traditional to Roth Conversion
Replies: 6
Views: 812

Re: Value of Traditional to Roth Conversion

If you are concerned about taxes, capital gains inside an IRA are not taxed. As mentioned above you can sell inside your IRA, roll over the IRA, and buy the same funds.
by earlyout
Wed Jan 11, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Denied Checking Account by Citibank
Replies: 15
Views: 2435

Re: Denied Checking Account by Citibank

Do you have a credit freeze on your Equifax info? If so, I suggest a temporary lift of that freeze and reapply.
by earlyout
Wed Jan 11, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: VW Diesel Buyback -- how fast?
Replies: 13
Views: 1400

Re: VW Diesel Buyback -- how fast?

I'm just curious, but why is everyone in a hurry to sell their diesel back to VW? If it's for environmental reasons you should be congratulated. I drive very little and like the idea of driving a non-depreciating asset for as long as I can before I turn it in. The offer is good for another 18 months...
by earlyout
Fri Jan 06, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Settlement Advice
Replies: 19
Views: 1456

Re: Auto Insurance Settlement Advice

Have you talked to your insurance company? They may help or could at least give you an idea of what may be a reasonable settlement.
by earlyout
Fri Jan 06, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: How many $ to self fund long term care?
Replies: 73
Views: 5789

Re: How many $ to self fund long term care?

I wish I could find the actual data, or a best-fit exponential curve, but clearly the curve doesn't "cut off" at any point. I did not try to wade through this paper but I ran across it when I was trying to find some statistics about this and the raw number might be in it. http://www.nber....
by earlyout
Thu Jan 05, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: How to approach getting new wills, trusts, with a blended family
Replies: 51
Views: 2849

Re: How to approach getting new wills, trusts, with a blended family

Having faced similar issues, I think it is essential that the first thing you need to do is reach an understanding with your wife on what you want to accomplish with your estate(s). Do the two of you want to consider it as a single estate or do you want to separate it into three parts -- yours, mine...
by earlyout
Tue Jan 03, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Excel help with arrays
Replies: 4
Views: 564

Re: Excel help with arrays

Have you though about using "range" as defined for Excel? It is fairly easy to manipulate a range of data cells.
by earlyout
Tue Jan 03, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Ugh! Scratched my brand new stainless steel stove
Replies: 19
Views: 2119

Re: Ugh! Scratched my brand new stainless steel stove

The right Scotch Brite pad will blend that right in. White probably won't touch it, red will be too aggressive, grey will probably the right one. They can be had at Lowes for $2-$3 for a 2-pk. I used grey on my dishwasher and its 95% blended, a little more work and it'll disappear. Just go in one d...
by earlyout
Sun Jan 01, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Thoughts on this inverse living floor plan and building a home in general
Replies: 30
Views: 2749

Re: Thoughts on this inverse living floor plan and building a home in general

Be sure to mount the garage door tracks on something that does not transmit that noise into the bedrooms.
by earlyout
Wed Dec 28, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax Deluxe on sale at Amazon
Replies: 49
Views: 6808

Turbotax Deluxe on sale at Amazon

TurboTax Deluxe w/o state is $29.86 and w/ state is $39.86 this morning at Amazon. Thanks camelcamelcamel.
by earlyout
Tue Dec 27, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 168
Views: 17388

Re: Concierge medicine Worth It????

(that's Physician Assistants, who seem to be able to do 90% of the regular doctor stuff and diagnosis quite well in my experience). Umm. No. Just..., no. I don't think I am a perfect physician or a medical genius. But after doing this for close to 20 years this comment scares me the most. This is w...
by earlyout
Mon Dec 26, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: Scarlatti K322 / L483 and Sor etudes (an old LP)?
Replies: 6
Views: 645

Re: Scarlatti K322 and Sor etudes (an old LP)?

If you haven't already, you might try to search through the catalog at prestoclassical.co.uk. I've been able to find some "lost" recordings from them.
by earlyout
Wed Dec 21, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: Old House Woes
Replies: 25
Views: 2435

Re: Old House Woes

I like your current strategy as the best of your options. You can either do nothing other than what is absolutely required for you stay for another couple years or you could do a complete renovation. A complete renovation would be expensive and would make the house unlivable for several months. It's...
by earlyout
Mon Dec 19, 2016 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Giving two weeks notice around the holidays
Replies: 58
Views: 4844

Re: Giving two weeks notice around the holidays

Before you give notice you should make very certain that you did not sign a non-compete agreement when you joined the company. Even though you may think you'll be doing something different, your present employer may not see it that way. You could be out a lot more than two week's pay.
by earlyout
Mon Dec 19, 2016 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Age 70 Social Security Benefits - 2 different answers
Replies: 4
Views: 1062

Re: Age 70 Social Security Benefits - 2 different answers

Delayed retirement benefits do not compound. The benefit is 8% of the benefit at FRA per year, or to be more exact, it is 2/3 of 1% of the FRA benefit for each month you delay.
by earlyout
Sun Dec 18, 2016 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare.gov income estimate and CHIP
Replies: 12
Views: 1310

Re: Healthcare.gov income estimate and CHIP

I would make a somewhat larger conversion than may be needed and plan to recharacterize some of it next year to get your MAGI where you want it to be before filing your tax return. You can't increase the size of your conversion after Dec. 31 but you can make it smaller.
by earlyout
Sun Dec 18, 2016 8:22 am
Forum: Personal Consumer Issues
Topic: VoIP 'Oma' vs 'Vonage' phone
Replies: 39
Views: 3264

Re: VoIP 'Oma' vs 'Vonage' phone

When I changed telephone systems a few years ago, features I required like e911 and call forwarding from the handset were not available with Google Voice. I now use an Obi 200 with Voip.ms as my service provider. The Obi 200 was $30 and Voip.ms w/ e911 costs about $25 / year and has more features th...
by earlyout
Sat Dec 17, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Requiring Travel to "No Travel" Country
Replies: 48
Views: 7503

Re: Employer Requiring Travel to "No Travel" Country

I think most companies would give you the option of going or not going but I don't think it is against the law for them to tell you that's where you job is (unless you have a contract with your employer stating otherwise). What kind of protection/security does the company provide as part of this ass...
by earlyout
Sat Dec 17, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: LVT flooring
Replies: 11
Views: 1237

Re: LVT flooring

Is this a DIY project or are you hiring a contractor? Whatever you do, familiarize yourself with the manufacturer's instructions for installation of the LVF. Even if you are hiring someone, you want to know enough about installing this material to be able to ask appropriate qualifying questions. You...
by earlyout
Fri Dec 16, 2016 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion vs. Premium Tax Credit
Replies: 8
Views: 942

Re: Roth Conversion vs. Premium Tax Credit

You did not give us enough numbers to make a definitive response but you can think of the lost $15K PTC as additional tax on the Roth conversion. If you convert $100,000 the total tax on the conversion would be the lost subsidy plus income tax of 15% for some of it and 25% for the remainder. I'll as...
by earlyout
Fri Dec 16, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: Thoughts on SUV for retirement.
Replies: 54
Views: 5133

Re: Thoughts on SUV for retirement.

From Truecar:

Lexus 2016 GX 460

Cylinders‎: ‎8
Highway Mpg‎: ‎20
City Mpg‎: ‎15


"trying to be environmentally conscious" Are there no other alternatives?
by earlyout
Fri Dec 16, 2016 1:25 pm
Forum: Investing - Theory, News & General
Topic: Roth Conversion/Recharacterization - how many accounts?
Replies: 11
Views: 1151

Re: Roth Conversion/Recharacterization - how many accounts?

I have read several prior posts that are adamant that you should convert into a new Roth account, and (even uglier...) if you recharacterize, you should do that to yet another new T-IRA! This appears completely unnecessary (to me) A few extra accounts aren't ugly. In fact, they can simplify things ...

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