Search found 1223 matches

by earlyout
Wed Dec 07, 2016 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation protection for retiree portfolio
Replies: 24
Views: 1871

Re: Inflation protection for retiree portfolio

Don't overlook equities as part of your plan for inflation protection. Inflation protection is one of the main reasons for a retiree to keep equities as part of their asset allocation.
by earlyout
Sat Nov 19, 2016 6:48 pm
Forum: Investing - Theory, News & General
Topic: Download quotes to excel spreadsheet
Replies: 26
Views: 1811

Re: Download quotes to excel spreadsheet

Looking through some other information I ran across some Excel functions called SMF ADDIN (Stock Market Functions) that are authored and maintained by a Yahoo group. They started out to create a function for pulling quotes from the web and have expanded into other stock market functions. Apparently ...
by earlyout
Fri Nov 18, 2016 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: To structure attorney fees, or not.....
Replies: 11
Views: 727

Re: To structure attorney fees, or not.....

You also want to be certain that you advisor does not have a conflict of interest. Is your advisor a broker and want you to use the money to buy something from him?
by earlyout
Wed Nov 16, 2016 5:08 pm
Forum: Investing - Theory, News & General
Topic: Download quotes to excel spreadsheet
Replies: 26
Views: 1811

Re: Download quotes to excel spreadsheet

I found this page (http://www.financialwisdomforum.org/gummy-stuff/Yahoo-data.htm) that describes what all the codes are and other useful description of using this yahoo feature. Yup. Handy info. Good to have that page posted here for reference. This same information is available in our Wiki - look...
by earlyout
Wed Nov 16, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: What lines on tax return form do I need to use
Replies: 10
Views: 745

Re: What lines on tax retrun form do I need to use

I suggest you google "ACA MAGI" and go from there. Once you understand the definition of modified income used for the ACA you can easily pick out the lines you need from your 1040.
by earlyout
Wed Nov 09, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: "No Referral Needed" Medicare speak
Replies: 32
Views: 1612

Re: "No Referral Needed" Medicare speak

I have Medicare B and a secondary policy for maximum out of pocket protection. I did not need a referral to see a cardiologist of my choosing last month. I checked that he accepted Medicare assignment when I made the appointment but I was not asked about a referral. Did the specialists you spoke to ...
by earlyout
Tue Nov 08, 2016 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: [Car totalled - Does location matter?]
Replies: 13
Views: 986

Re: [Car totalled - Does location matter?]

Any reason you haven't gotten your own insurance carrier involved? I was side-swiped by a truck a little over a year ago and never dealt with the other insurer. I let my insurance company handle the negotiations for me. A rough repair estimate indicated the car would be totaled so all I had to do is...
by earlyout
Sat Oct 29, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: Please explain pendant lights vs. mini pendant
Replies: 4
Views: 491

Re: Please explain pendant lights vs. mini pendant

The "first fixture you reference is a complete fixture -- it includes a built in LED bulb and the desired shade. Look at the specifications section for additional details.
by earlyout
Tue Oct 25, 2016 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Purchase - Radon mitigation
Replies: 19
Views: 1303

Re: Condo Purchase - Radon mitigation

At that price level and in in what must be a building with several units I assume the building is professionally managed. Before doing anything I would check with the condo manager to see if radon is/was a problem in other units. You also need to find out if the association rules allow the installat...
by earlyout
Sat Oct 08, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare as secondary to employer plan
Replies: 11
Views: 893

Re: Medicare as secondary to employer plan

Are you sure Medicare would be the secondary insurer? Why would a company pay premiums for insurance coverage that is already available from Medicare?
by earlyout
Sat Oct 01, 2016 4:54 pm
Forum: Personal Consumer Issues
Topic: Roadside assistance Programs
Replies: 41
Views: 3029

Re: Roadside assistance Programs

I pay State Farm $7.16 each year for roadside assistance (flat tires, dead batteries, tow in, etc). I've had to use them twice recently, for a dead battery and a flat tire, the service was very prompt and no questions were asked.
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: 3814

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: 2216

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: 627

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: 925

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: 925

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: 2660

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: 917

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: 1949

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: 3979

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: 3979

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: 82
Views: 5201

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: 2821

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: 975

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: 1497

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: 1497

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: 1484

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: 622

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: 1575

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: 42
Views: 3712

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: 3697

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: 9905

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: 4887

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: 804

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: 804

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: 1596

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: 110
Views: 12876

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: 110
Views: 12876

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: 110
Views: 12876

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: 110
Views: 12876

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: 2683

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: 2377

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: 2775

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: 1169

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: 786

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: 641

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: 1872

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: 1283

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: 28
Views: 2475

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...

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