Search found 391 matches

by fishboat
Thu May 25, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Advice on kid's precalc learning
Replies: 46
Views: 2167

Re: Advice on kid's precalc learning

5. Choose a simpler math curriculum and resign yourself to the fact that your kid does not need to do precalc, nor calc to succeed in the future. What he said..if he's not getting pre-calc then calculus is not for him, now or in the future. I did Calc I-IV...and I actually enjoyed it/aced it. Not e...
by fishboat
Thu May 25, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Help with filling out 8606
Replies: 3
Views: 286

Re: Help with filling out 8606

The answer is in my recent thread(scroll down to form examples & discussion): https://www.bogleheads.org/forum/viewtopic.php?f=2&t=219225 You seem to be converting to a roth some time after you contributed to the t-ira and yet you show no returns(basis=conversion)..worth rechecking to see if...
by fishboat
Thu May 25, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Carpet Cleaning Rental
Replies: 7
Views: 448

Re: Carpet Cleaning Rental

Used them many times over the last 40+ years. I own one that is that old..still works. A strainer may be appropriate if you suspect some metal objects, but dumping the wastewater in the toilet is typical. >Vacuum the carpet thoroughly >Use straight hot (only) tap water to mix the solution. It'll coo...
by fishboat
Thu May 25, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 31
Views: 4055

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

The Form 8606 for 2014 would be: 1 6500. (Nondeductible contributions for year) 3 6500. (sum of lines 1 and 2) 4 6500. (contribution for 2014 made in 2015) 14 6500. (line 13 minus line 3) Form 8606 for 2015 would be: 1 6500. (Nondeductible contributions for year) 2 6500. (IRS basis from previous ye...
by fishboat
Mon May 22, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 31
Views: 4055

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

fishboat, since you feel like it was TT that messed up your Form 8606, see if the post by Chip on this thread might clear things up for you. According to Chip, you can think you entered the conversion step right but it is possible to answer one of the questions wrong and that results in nothing on ...
by fishboat
Sat May 20, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 31
Views: 4055

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

Thanks to those posting the line by line entries..this is really helpful. I didn't realize filling in the form 8606 is a whole topic unto itself...after some searching here, it seems to be. Turbo Tax definitely hosed up the form. My fault as I didn't physically check how it filled it out. My first c...
by fishboat
Sat May 20, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 31
Views: 4055

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

ICMoney wrote:
Do you have a gmail account? You can use HelloFax to fax scanned documents on your computer, which I think is free (or used to be) with gmail.


Interesting..I do have a gmail account, but wasn't aware of that option. A scanner I have..this sounds like the way to go. thx!
by fishboat
Fri May 19, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 31
Views: 4055

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 have no land line nor fax..but maybe my bank can handle it. Overall..I've pulled up all the docs and talked with Vanguard(they notify the IRS of both the ira distribution and roth conversio...
by fishboat
Fri May 19, 2017 6:07 am
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 31
Views: 4055

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

Sounds like a plan folks..documentation and a letter. I have the former and can write the latter...with that, I'm sure they'll say, "never mind.." 20+ degrees cooler here than yesterday..that makes today a good time to dig into this.

Thanks to all for the help!
by fishboat
Thu May 18, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 31
Views: 4055

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

There would have to be two forms 8606. One to file with your 2014 taxes and one to file with your 2015 taxes. The 2014 form would only document the $6,500 non-deductible contribution. The 2015 form would document the $6,500 non-deductible contribution for 2015 (on the front) AND the conversion(s) o...
by fishboat
Thu May 18, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 31
Views: 4055

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

Did the IRS give you a phone number to call? No number to discuss it. Just a fax number to send docs to and a number to access forms. Did you have any pre-tax IRA balances (traditional, SEP IRA or SIMPLE IRA)? All IRA accounts are treated as one. Any pre-tax balances would be included in pro-rata R...
by fishboat
Thu May 18, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 31
Views: 4055

IRS says I owe..I don't

Just opened a letter from the IRS..they think I owe income tax on $13k for 2015. I did two back door Roth conversions in Feb 2015 for 2014 & 2015, $6500 each year. The non-deductible $13k (after tax$) went into a new/zero balance t-ira account in Vanguard. The t-IRA was funded on a Monday mornin...
by fishboat
Wed May 17, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3024

Re: What are the powers of HR in a company?

Always remember that HR are not on your side. Never interact with them unless it is required. They are not your friend. +1 HR's primary purpose is to make sure the company doesn't get sued. Their secondary purpose is to fulfill their primary purpose. Then comes book & legwork of managing issues...
by fishboat
Sun May 07, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: sump pump issue
Replies: 13
Views: 1303

Re: sump pump issue

My submersible runs every 20-40 minutes 24/7 year round. The first pump made it 15 years..I'm 7-8 years into the replacement...seems to be running fine. Replace your check valve..it's cheap and easy to swap out. Then buy a replacement pump and pipe it up to match your current one (all piping below t...
by fishboat
Fri May 05, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 11512

Re: Microsoft, I want my computer back!

The issue I have is with One Drive. By default Microsoft wants you to store all your data in their cloud (and of course pay them for all storage over a nominal amount). I got a new laptop and tried to delete all the One Drive folders. I just want a Library folder with sub folders for documents, pic...
by fishboat
Fri May 05, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 11512

Re: Microsoft, I want my computer back!

:) I updated my girlfriend's computer last Sunday from Win 7 Ultimate to Win 10 Pro. She's spent a lot of time on it since...and reports it's working great! She likes it. I turned Cortana off..and yes it still loads in the background and pulls zero CPU time and 100K of memory..negligible on both cou...
by fishboat
Mon May 01, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 11512

Re: Microsoft, I want my computer back!

For the sake of balance..I'm a member of the silent majority..that being the Win OS users that really have few issues. The BH forums are a numbers-based/oriented cohort. That being the case, the numbers just don't add up. If Win OS's were as terrible as the many apple and linux users here would sugg...
by fishboat
Sat Apr 29, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 11512

Re: Microsoft, I want my computer back!

Can you run Windows Task manager (cntl alt delete) and see what process is snarfing up resources? This might give you the biggest clue. When the problem occurs, run Task Manager and check for the heaviest disk and CPU user. Hopefully you can break into whatever is running and get to the Task Manage...
by fishboat
Sat Apr 29, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 2624

Re: Help with computer from IT folk

^^^ I agree on everything. The problem centers on understanding "who" owns the PC for personal use at home. It sounded like the OP was given an old PC free and clear. If so, the corporate IT guy is out of the picture and the OP should wipe the drive clean. If it's still used for work, tha...
by fishboat
Sat Apr 29, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 2624

Re: Help with computer from IT folk

If you're stuck on Windows, you should always install the latest version. Alternatively, you might find Windows 7 somewhere at a discount. Otherwise, Linux would work just fine. [/quote] The corp IT guy will tell you "you" shouldn't be installing anything..particularly a likely non-image-...
by fishboat
Sat Apr 29, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 2624

Re: Help with computer from IT folk

OP..you need to contact your IT people and have them set your machine up..it's their responsibility. "clean install" can have many meanings..and beyond simply a fresh OS install from original software up to or including a reformatted hard drive. Corporate IT people "image" their ...
by fishboat
Sat Apr 29, 2017 6:03 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 11512

Re: Microsoft, I want my computer back!

Win 10 on two machines, all the latest updates in place, old hardware and software, no issues...and I have a fast, though no where near a blistering fast connection to the web(no hardwire connections where I live..use a cell phone hotspot). You can set up preferred hours where you're active on the m...
by fishboat
Fri Apr 28, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: How to transport pickup truck from orlando, Fl to new hampshire
Replies: 7
Views: 669

Re: How to transport pickup truck from orlando, Fl to new hampshire

Jane wrote: Suggestions?


Make me an offer I can't refuse and I'll do it. Retired, spotless driving record, no accidents in the last 44 years.
by fishboat
Wed Apr 26, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Multiple acct Roth conversion/recharacterization strategy
Replies: 4
Views: 240

Multiple acct Roth conversion/recharacterization strategy

I'm on the cusp of starting a "Multiple acct Roth conversion/recharacterization strategy". Background: I'm 60 y/o and my first Roth account was created 10+ years ago. In the interest of future tax-savings, I'd like to convert some of my IRA to a Roth prior to age 70. I have no income for t...
by fishboat
Mon Apr 17, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Win 10 issues [Windows 10]
Replies: 35
Views: 4282

Re: Win 10 issues [Windows 10]

I use Windows 10 pro, and pretty much every setting or issue people complain about here doesn't exist in the pro version because you can override everything with local group policy. Overall, I've had a fantastic experience +1 The non-pro version can be configured to be likeable too, and without muc...
by fishboat
Wed Apr 12, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Severance
Replies: 16
Views: 1702

Re: Severance

I have not signed the rest of the severance and release agreement, so I may have a little leverage in getting my former employer to pay out cash. But not that much -- it's really not worth it to me to indulge in a protracted round of back and worth with the company. Thanks for any comments. Been th...
by fishboat
Wed Apr 12, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Windows-10 "upgrade" coming April 11. What to disable?
Replies: 25
Views: 3110

Re: Windows-10 "upgrade" coming April 11. What to disable?

FWIW..if you read the book Countdown to Zero Day by Kim Zetter that's about the Stuxnet virus discovery, development, and use(fascinating read)...you'd be inclined to update early and often to the latest and greatest OS, software, virus & malware definitions..etc. While Stuxnet wasn't targeted a...
by fishboat
Tue Apr 11, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 5647

Re: Help on how to spend more on myself (First World Whine)

TheTimeLord wrote: To me it is a compulsion that needs to be addressed. So I am looking to address the compulsion not buy more toys per se.


First world issues and compulsions are often investigated or addressed with a first world solution..perhaps psychoanalysis?
by fishboat
Tue Apr 11, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Windows-10 "upgrade" coming April 11. What to disable?
Replies: 25
Views: 3110

Re: Windows-10 "upgrade" coming April 11. What to disable?

Really? I love Windows 10. Don't understand the panic. shrug..I read bad experiences with Windows 10 and wonder if I'm just lucky or what.. My desktop is a Dell, vintage 2006 I think. Came with Vista (that was junk). 3-4 years ago I updated it with Win 7, much better. Last July I updated it with Wi...
by fishboat
Mon Mar 27, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Versatile economical RV recommendations for a frugal retiree?
Replies: 59
Views: 4224

Re: Versatile economical RV recommendations for a frugal retiree?

OP..I did the truck camper thing for 5-6 years(pulling a boat was a requirement)..I have a popup trailer now, but use it only very early or late in the season, when the boat isn't required, or I'm kayaking. Most of my trips are tent based at this point and for the foreseeable future as it's my prefe...
by fishboat
Thu Mar 23, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 5204

Re: A SUV for towing a Travel Trailer

I didn't miss anything. I know he's from Florida. They have flat, good roads mostly but they still get wind and rain which can cause problems. You still have to pull onto highways. Who says he will always stay in Florida. The point of having a travel trailer is to travel. Trailer brakes are very ni...
by fishboat
Thu Mar 23, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Where's the sweet spot in the cost/benefit curve for floor speakers?
Replies: 40
Views: 2812

Re: Where's the sweet spot in the cost/benefit curve for floor speakers?

Plotting cost along an X axis against quality along a Y axis would show a curve that starts up dramatically and then levels off towards an asymptote. That's the price range I'm trying to find out. OP..I'll be real honest..no offense intended. Your suggested diminishing returns plot, conceptually, s...
by fishboat
Wed Mar 22, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 5204

Re: A SUV for towing a Travel Trailer

OP..you never want to tow with a vehicle where you're even close to maxing out the towing capacity. Towing that 17 Escape with a Sienna or Odyssey..yikes..I'll pass. Being able to just tow a trailer is one thing, being able to control the trailer is different..and more of a safety issue. If you've e...
by fishboat
Tue Mar 21, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 102
Views: 5592

Re: Best way to expand my vocabulary?

...I would like to know more words to sound more intelligent and express myself better. Learning to express yourself better is a laudable goal, however using "..more words to sound more intelligent.." won't get you there. You'll miss proper usage often enough that people will pick up your...
by fishboat
Tue Mar 21, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Mapping V-guard indexes to Fidelity - International
Replies: 7
Views: 386

Re: Mapping V-guard indexes to Fidelity - International

DSInvestor wrote:Fidelity Global ex-US Index fund FSDGX was a pretty good match for Vanguard's Total International.


That (FSGDX) worked..all funds purchased..thanks for your help.
by fishboat
Tue Mar 21, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Mapping V-guard indexes to Fidelity - International
Replies: 7
Views: 386

Re: Mapping V-guard indexes to Fidelity - International

Q1: Yes, the Fidelity Total International Index fund's inception was 06/07/2016. Q2: Vanguard's Total International Stock Market Index fund includes Emerging Markets. Fidelity's International Index FSIVX does not include emerging markets. Fidelity Total International includes emerging markets. Yes....
by fishboat
Tue Mar 21, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Mapping V-guard indexes to Fidelity - International
Replies: 7
Views: 386

Mapping V-guard indexes to Fidelity - International

I recently rolled over my 401k into an individual IRA and have a question about replicating a Vanguard International equity fund in Fidelity. Brief background: I retired a year ago, old company used Fidelity for the 401k, I held Vanguard index funds in the 401k and now, for the sake of 'easy' I'm re...
by fishboat
Tue Mar 21, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 10198

Re: $464.12 dinner bill last night. No regrets.

Like all others have said.....congrats! I am going to present another point of view I assume will not be popular. If I were your aunt and uncle, I would have been prouder and happier if you had learned the lesson of paying it forward. That one dinner bill would provide almost 100 meals for a person...
by fishboat
Tue Mar 21, 2017 6:54 am
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 102
Views: 5592

Re: Best way to expand my vocabulary?

...I would like to know more words to sound more intelligent and express myself better. Learning to express yourself better is a laudable goal, however using "..more words to sound more intelligent.." won't get you there. You'll miss proper usage often enough that people will pick up your...
by fishboat
Tue Mar 21, 2017 6:09 am
Forum: Personal Finance (Not Investing)
Topic: My son wants to move to Hong Kong
Replies: 35
Views: 4768

Re: My son wants to move to Hong Kong

My wife and I will soon meet with them to discuss the issue and I want to be able to advise them on the legal hurdles as well as personal/moral issues they will need to think about. Any advice would be much appreciated. Specifically: My advice to a 27-year-old adult would be to wish him well and to...
by fishboat
Wed Mar 15, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 2889

Re: Relocation to Milwaukee

Lived in the Milwaukee area since 1964. Every city/region has it's pluses and minuses. Housing here may be more costly than some places and less expensive than others..so it goes.. As for the "weather being awful.."...meh..depends on your point of view. I enjoy the outdoors year around and...
by fishboat
Wed Mar 15, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Corporate buy-sell and pension/insurance liability
Replies: 0
Views: 100

Corporate buy-sell and pension/insurance liability

Received an interesting letter yesterday to reassure me that nothing is changing for me..for now.. Brief history(public domain info): >Company A ($6B in sales) purchases Company B in 2011 for $4B. >I worked (long-term) for Company B when it was purchased. >Company B becomes one of three major divisi...
by fishboat
Thu Mar 09, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 3514

Re: Zero-Turn Mowers

I've been running a ZT for nearly 12 years..fun and fast way to mow. OP..You need to get a feeling (do a search for professional-consumer lawn care forums) for deck size vs number of blades vs required horsepower to maintain sufficient tip speed. You appear to be shopping for price, at least initial...
by fishboat
Mon Mar 06, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Anyone have a 2012-ish Chevy Tahoe/GMC Yukon
Replies: 5
Views: 586

Re: Anyone have a 2012-ish Chevy Tahoe/GMC Yukon

I spent a couple months a year ago looking into the various options in a larger tow vehicle..Yukon XL, Suburban, Expedition EL, Older Excursion, Sequoia, Pathfinder, 4Runner, FJ........ FWIW..the thing that steered me away from the Chevy/GMC options was the engine oil consumption issue(something I w...
by fishboat
Mon Mar 06, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Organic Alternatives for Lawn and Garden Care
Replies: 35
Views: 2281

Re: Organic Alternatives for Lawn and Garden Care

It's been mentioned once, but needs to be stressed more. Simply set you mower on the highest setting and mow high. Weeds need dirt and sunlight to germinate/grow. Reduced both.. and you'll reduce weed growth. A thick, healthy, grass lawn is your best defense..this side of herbicides. Do a google sea...
by fishboat
Wed Mar 01, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Reinforcing plastic handle (call to any material scientists)
Replies: 17
Views: 1121

Re: Reinforcing plastic handle (call to any material scientists)

I have some fiberglass cloth and a two part resin that I use for building woodstrip canoes and kayaks with and I have used it to successfully repair cracked plastic parts before. I just cut a piece of cloth to shape, mix up the resin and hardener and smooth it down. When it cures I can sand it and ...
by fishboat
Wed Mar 01, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Reinforcing plastic handle (call to any material scientists)
Replies: 17
Views: 1121

Re: Reinforcing plastic handle (call to any material scientists)

Even with the additional photo, it still isn't clear what the nature of the break/failure is & this makes it tough to suggest a fix. That aside, the material looks like, and most likely is, polyethylene. Polyethylene doesn't take well to adhesives..i.e. there isn't many solvents that touch it(if...
by fishboat
Tue Feb 21, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Drones in arizona
Replies: 39
Views: 3624

Re: Drones in arizona

As an avid hiker..consider that your drone will pretty much negate the reason all other hikers are out there wandering around. If you just gotta get one..I'd suggest anything in dayglo-skeet orange..easier to see. Of course I'm just kidding...
by fishboat
Tue Feb 21, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: What is a good laptop to buy?
Replies: 90
Views: 7441

Re: What is a good laptop to buy?

....I can buy a new Office, or I can get without it on the Latitude, but I am curious if there is a way to activate the Office 2010 that seems to have been associated with my laptop. Is there any way to find it out? Thank you, Victoria Hmm..I've never run across that. Any refurb-off lease machine I...
by fishboat
Tue Feb 21, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 7207

Re: Which puppy to buy: golden retriever or labrador retriever?

We have had greyhounds. They come in all ages depending on their racing careers. You can only get racing greyhounds through adoption. They are not bred as pets. Smart enough, affectionate, and very easy to live with. They do not need grooming although some will shed. Because most have been fostered...

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