Search found 823 matches

by montanagirl
Sat Jan 13, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1625

Re: wireless dead again - router suggestions?

If you do decide to go with a mesh technology, understand the liability/risks associated with using a cloud-based management solution requires. Thanks, I decided against that due the security issue and price as well. So, I bought a less expensive Linksys router and *this time* got the 2 year replac...
by montanagirl
Sat Jan 13, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1625

Re: wireless dead again - router suggestions?

This probably isn't your problem but I've had several wireless routers that I thought were bad that actually had power supplies that have partially failed. Some symptoms I had were frequently dropped connections and frequent reboots needed for the router to work normally at least until it needed it...
by montanagirl
Sat Jan 13, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1625

wireless dead again - router suggestions?

After a year and a half, the wireless part of our Nighthawk router is dead again. We can get to the internet from our desktops, but none of the mobile devices including the TV can get on. I've tried updating the firmware and rebooting, but it didn't fix the problem. My devices keep trying to connect...
by montanagirl
Wed Jan 10, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 138
Views: 13315

Re: Anyone disenchanted with retirement?

I think it would have been a lot more fun had I been able to retire in my 50s. As it was, I did a lot of things then and got kinda burnt out on them. Like distance bike riding, skiing, political volunteering, volunteering, and other stuff. Everything gets old after awhile. At least we went to Hawaii...
by montanagirl
Sun Jan 07, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard site: can't pick destination fund for Roth conversion
Replies: 16
Views: 1043

Re: Vanguard site: can't pick destination fund for Roth conversion

"Exchange to convert" conceptually made more sense when you were only dealing with mutual funds and each mutual fund holding was technically a separate account. The exchange process makes less sense when converting brokerage assets in one account to brokerage assets in another account. You can't ex...
by montanagirl
Sat Jan 06, 2018 10:19 pm
Forum: Investing - Theory, News & General
Topic: 2017 Callan Periodic Table of Investment Returns
Replies: 34
Views: 3990

Re: 2017 Callan Periodic Table of Investment Returns

I stare at it and stare at it, wishing I could figure out the pattern...you'd think some genius would come up with an algorithm. :greedy
by montanagirl
Sat Jan 06, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard site: can't pick destination fund for Roth conversion
Replies: 16
Views: 1043

Re: Vanguard site: can't pick destination fund for Roth conversion

Vanguard’s processes and website are quite bad. For some reason when I did my conversion VG opened up new federal money market accounts. Typical VG clunkiness. The process used to be fine. It was like any other exchange, only it would catch it as a conversion and ask the withholding questions befor...
by montanagirl
Sat Jan 06, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard site: can't pick destination fund for Roth conversion
Replies: 16
Views: 1043

Re: Vanguard site: can't pick destination fund for Roth conversion

Maybe one just needs to scroll down to see the funds? The Vanguard web site apparently does not show scroll bars when it should. There is no list, no scroll bars at all. Just "Account to convert to" followed by my name and brokerage account number, then Submit. There must be some site maintenance g...
by montanagirl
Sat Jan 06, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard site: can't pick destination fund for Roth conversion
Replies: 16
Views: 1043

Vanguard site: can't pick destination fund for Roth conversion

Today I tried twice to convert some tIRA to Roth. I have the same funds on both sides of the conversion wall, and last year I did three conversions no problem. But today, when I went to select the fund on the Roth side, it didn't display the two funds I have there. But there was the Submit button li...
by montanagirl
Fri Dec 29, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5669

Re: Keeping a checkbook register

I keep a register and write down my debits and checks on-site. I'm afraid I'll forget if I don't, and trigger a NSF because I try to keep most cash in savings. About once a month a self-checkout clerk will warn me that they don't take checks (duh), because they see me writing down my debit. They thi...
by montanagirl
Wed Dec 27, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11712

Re: European Cities that don't interest you

carolinaman wrote:
Sun Dec 24, 2017 7:43 am
No one has mentioned a Swiss city yet. I have always wanted to visit Switzerland.
Geneva's ok, but mainly as a bus ride from Chamonix.
by montanagirl
Wed Dec 27, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2017 - Medical deduction floor still at 10%
Replies: 11
Views: 656

Re: TurboTax 2017 - Medical deduction floor still at 10%

Yet another workaround I did playing with 2016 version was to change birth year in personal section to make yourself 65 or older as those folks currently enjoy 7.5% AGI deduction vs. 10% for the rest of us. BTW, I am still not certain it's the law - while all media sources reported 2 years of reduc...
by montanagirl
Sun Dec 24, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of splitting a fund in one day
Replies: 5
Views: 446

Mechanics of splitting a fund in one day

I am thinking of splitting my Balanced Fund into equivalent Total Stock and Total Bond funds. I.e. 60/40. I'd like to do it online this weekend.

If I exchanged 60% of BF to TS, then 100% (of what's left) to TB, will Vanguard execute easily or would it gum up the system?
by montanagirl
Fri Dec 15, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 11328

Re: H&R Block Software

...ah, it was Controlled Folder Access hanging up install. It worked after I turned that off. Now, for the updates... :wink: Maybe the problem with mine. Found a good tutorial "https://www.bleepingcomputer.com/news/microsoft/windows-10s-controlled-folder-access-anti-ransomware-feature-is-now-live/"...
by montanagirl
Wed Dec 13, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 11433

Re: 2018 financial goals - what are yours?

I'd like to hang on *one more year* until filing for my old age benefit at 70 yet not take any IRA distributions. I can't believe I've hung on this long! I worked a part time job for 2017 but couldn't do it any more. I did get a better anypia 'replacement year' out of it. I will do tax prep Jan-Apr ...
by montanagirl
Fri Dec 08, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 65
Views: 8882

Re: Why is Vanguard switching all accounts to brokerage accounts?

I have been playing around with it, with a mind to buy ETFs from my ira money. But I can't seem to do it, can't fund the settlement account or exchange from any of my funds. Everything I have is tax deferred...

So I guess I don't see the point.
by montanagirl
Thu Dec 07, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 63
Views: 4522

Re: What did you do with your first RMD withdrawal money?

When you get RMDs from Vanguard, can they go straight to a taxable account at VG, or do they need to come all the way "home" to your bank, and then be reinvested (for appearance's sake)?
by montanagirl
Fri Dec 01, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 11328

Re: H&R Block Software

...ah, it was Controlled Folder Access hanging up install. It worked after I turned that off.

Now, for the updates... :wink:
by montanagirl
Fri Dec 01, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 131
Views: 11328

Re: H&R Block Software

Seen on Amazon this afternoon @$13.99. H&R Block Tax Software Deluxe 2017 + Refund Bonus Offer [PC Download] . Installed but having issues with it. By default saves the file in your documents, error could not make or save to this folder?? Finally made a folder on C: and it now writes there just fin...
by montanagirl
Fri Dec 01, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 9954

Re: Which crash have you seen it before it is coming?

I definitely saw it coming in 2007, but only because a link somewhere led me to a housing bubble blog that was just roiling with linked stories and first hand observations in comments, hundreds and hundreds per day. I didn't have that much, about 100k, and my job was shaky, so I moved everything to ...
by montanagirl
Fri Dec 01, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7592

Re: Does it make sense to drop health insurance?

Funny, I was just talking about this with a coworker. She's 61 and going without insurance. No assets but good income at the moment, way over 4x poverty level. No 401k. She told me an anecdote about someone's son not getting insurance, then having an accident. Supposedly ER signed him up for ACA on ...
by montanagirl
Tue Nov 28, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: new TCL 55 4k TV has washy, pinkish cast
Replies: 18
Views: 1070

Re: new TCL 55 4k TV has washy, pinkish cast

Anxiously following this thread as I am looking at TCL tvs to replace my Samsung. Two reviews I read rated the TCLs as best value. My Samsung has a good picture but some sort of loose connection causes lines in the picture. The temp fix is to manually flex the entire body of the tv. Getting tired o...
by montanagirl
Tue Nov 28, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: new TCL 55 4k TV has washy, pinkish cast
Replies: 18
Views: 1070

Re: new TCL 55 4k TV has washy, pinkish cast

elcadarj wrote:
Tue Nov 28, 2017 10:38 am
Try this site's settings guide:

http://www.rtings.com/tv/reviews/tcl/us5800/settings
Yes I found that site right away but I can't say it helped much. They're focused on dark-room movie viewing anyway.
by montanagirl
Tue Nov 28, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: new TCL 55 4k TV has washy, pinkish cast
Replies: 18
Views: 1070

new TCL 55 4k TV has washy, pinkish cast

I insisted on going to a 55 last weekend and got this one at costco for 379. It has HDR. The picture seemed as good as any other low end TV in the store, but here at home it seems like all the screens are flat, washy and pink in cast. I have been working with the enhanced picture adjustments for 4 d...
by montanagirl
Sun Nov 26, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street
Replies: 33
Views: 4697

Re: The Wolf of Wall Street

On a related note: forty-five years ago I was in the U.S Navy, on a Navy base watching "The Last Detail", a movie about sailors. (It stars Jack Nicolson in the early part of his career.). "TLD" contains abundant swearing. Copious swearing, a lot of which is the F-word rhyming with "luck". This was ...
by montanagirl
Thu Nov 23, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: one year to 70! File now or not? (low income late bloomer)
Replies: 4
Views: 971

Re: one year to 70! File now or not? (low income late bloomer)

OK....it seems when I get to the actual point of claiming for three months hence, I am able to procrastinate. It's just that I wondered if break-even formulas even made sense at this point. Anyway, thanks. I will probably wait, just to know that I tried my best to maximize after a late start at all ...
by montanagirl
Wed Nov 22, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: one year to 70! File now or not? (low income late bloomer)
Replies: 4
Views: 971

one year to 70! File now or not? (low income late bloomer)

I have been getting antsy about social security lately. I am 68, close to 69. It seems the closer I am to my maximum benefit, the more I just want to cave and file already. Right now I am getting spousal of 778/mo. Medicare is 107, Plan G 115, Part D 20. PIA was 1380 and full SS would be 1707/mo nex...
by montanagirl
Sun Nov 19, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5348

Re: Where did you first learn about investing?

I watched Wall Street Week for years, when I had little to invest. I ate my heart out in 1982 because things were so depressed and it looked like a buying opportunity. I did buy some of the panel's recommended stocks like Storer Comm and Dow Chemicals, but sold when I went back to school. There I to...
by montanagirl
Sat Nov 18, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Proving retirement Health Insurance is unaffordable?
Replies: 5
Views: 981

Re: Proving retirement Health Insurance is unaffordable?

For the record, there is an affordability worksheet in the IRS instructions for Form 8965.
by montanagirl
Sat Nov 18, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 64
Views: 6085

Re: Any of you trade just a little as a hobby?

I did some trading when the market was real volatile in 2008-2009. Valuations were so low...I made a little money that I put in my IRA. I don't see the same kind of opportunity at present.
by montanagirl
Wed Nov 08, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 5272

Re: What do you do to keep your mind sharp?

Work part time as a bookkeeper, which is a new gig for me.
Learn Spanish in the car listening to CDs.
Play piano, mostly classical. I'm just an intermediate player but there is a lot of good stuff to learn.

I also work out every day, but I think that dulls my mind more than sharpens it. :|
by montanagirl
Wed Nov 08, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: anyone else have trouble logging in to SSA or IRS sites?
Replies: 7
Views: 627

Re: anyone else have trouble logging in to SSA or IRS sites?

When I tried to create a new My SSA account it got bounced. When I called them they said that if I had a credit freeze on, that was probably it - they ping your data against one of the credit bureaus. I have to go into the SS office to get the account created. I wonder if they do that with current ...
by montanagirl
Tue Nov 07, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Does an Traditional IRA contribution lose its deductibility if converted to a ROTH IRA?
Replies: 12
Views: 845

Re: Does an Traditional IRA contribution lose its deductibility if converted to a ROTH IRA?

No she can't and if she converted in a future year the contribution would become taxable.

Is this a trick question?
by montanagirl
Tue Nov 07, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: anyone else have trouble logging in to SSA or IRS sites?
Replies: 7
Views: 627

anyone else have trouble logging in to SSA or IRS sites?

For some reason, logging in to MySocialSecurity and my IRS PTIN account has always been a nightmare. I try to keep track of my info and I'm sure I'm entering the right passwords..sometimes I even copy and paste them in from a Notepad file just to make sure I'm not fat-fingering it. But most the time...
by montanagirl
Sun Nov 05, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3409

Re: bidets

Helo80 wrote:
Sun Nov 05, 2017 12:26 pm
No, thank you.
Baby wipes work for me
by montanagirl
Thu Nov 02, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 8102

Re: Does Retirement Make You Lazier?

Yes, the less I work, the less I want to work. I work part time but I'm ambivalent and could quit any time. I have afternoons off and mainly vegetate. Most the things I wanted to do I did in my 50s and got burnt out. I mean biking, skiing, politics, volunteering, music, travel. I can't think of anyt...
by montanagirl
Wed Nov 01, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Roth fund choices
Replies: 8
Views: 644

Re: Roth fund choices

My Roth is in balanced index only. I keep balanced in my tira, too. That way my roth conversions go from balanced to balanced without any "loss" due to different valuations on a given day.

That's my story anyway. :)
by montanagirl
Fri Oct 27, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 3987

Re: Amazon kindle paperwhite

I have a new Kindle Paperwhite but find it much easier to read on my 2012 samsung tab2 with Kindle app.

The Kindle is just too over featured and fussy for me. Hard to even make a bookmark, but it takes only a single tap with the older app.
by montanagirl
Tue Oct 24, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Deferred Accounts with Lower Income
Replies: 8
Views: 825

Re: Tax Deferred Accounts with Lower Income

I was in the 15% bracket most my life but am in zero or 10% marginal in semi retirement and should stay they when rmd's start.

Still, it's nice to have Roth money too for sudden expenses or splurges.
by montanagirl
Sat Oct 21, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4162

Re: Why not switch from Medigap F to G now?

Hmmm, so weird that my change to G needed underwriting. I did have some emergency room *events* while on plan f. Why might an insurer want medical underwriting to switch from Plan F to G within the same insurance company, F and G being so similar. Maybe they feel if they say no, and the person has ...
by montanagirl
Fri Oct 20, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4162

Re: Why not switch from Medigap F to G now?

Hmmm, so weird that my change to G needed underwriting. I did have some emergency room *events* while on plan f. I wonder if the insurer was just probing to see if something serious was going on?

But it was nothing covered by the 10 or so questions they asked.
by montanagirl
Fri Oct 20, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Filing jointly under common law
Replies: 6
Views: 736

Re: Filing jointly under common law

My understanding is that you can file jointly (if not already married to someone else) but thereafter you must file as married mfj or mfs or else get a legal divorce or separation. To the IRS you're married. I.e. there is no "common law divorce" in the eyes of the IRS. I have had some awkward conver...
by montanagirl
Wed Oct 18, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 16
Views: 1284

Re: Experience with "mini-monovision" cataract implants?

I have monovision implants, one close for reading and one distance. Two ops, different docs. Works fine, but I had been using mono contacts for a good 25 years prior. I did a lot of night driving with no problem when I played in bands. Mind you I do need glasses for the computer, and wear them for ...
by montanagirl
Wed Oct 18, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4162

Re: Why not switch from Medigap F to G now?

I moved from F to G with my current insurer but it required underwriting..including all drugs I've had in the last 2 yrs. Kind of a pain esp because I worry I might forget something that could void the coverage. Is there a time limit on how long a insurance company can look back on your application...
by montanagirl
Wed Oct 18, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4162

Re: Why not switch from Medigap F to G now?

I moved from F to G with my current insurer but it required underwriting..including all drugs I've had in the last 2 yrs. Kind of a pain esp because I worry I might forget something that could void the coverage.
by montanagirl
Tue Oct 17, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 16
Views: 1284

Re: Experience with "mini-monovision" cataract implants?

I have monovision implants, one close for reading and one distance. Two ops, different docs. Works fine, but I had been using mono contacts for a good 25 years prior. I did a lot of night driving with no problem when I played in bands. Mind you I do need glasses for the computer, and wear them for c...
by montanagirl
Sat Oct 14, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 11451

Re: anyone else not liking the new cars?

The small SUV's ALL are ugly and look the same. Same scrunched up rear end and dippy "aero" grille. RAV4, crv,Jeep, crx, rogue, escape, what's the difference and what are the mfrs thinking?? I once made a montage of 12 of the 2014 models and they looked like they were all designed by the same team, ...
by montanagirl
Fri Oct 13, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Does IRS have equivalent of credit freeze?
Replies: 20
Views: 1634

Re: Does IRS have equivalent of credit freeze?

My wife and I are not eligible to request an IRS PIN, but I know our SS numbers and other info have been hacked at Equifax. What complications will we run into if we E-file a no refund 2017 joint tax return on January 26, 2018 and then file an amended return, with complete info that may or may not ...
by montanagirl
Sun Oct 08, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 20444

Re: Growing old without kids or younger caring relatives

I am in the same position as the OP, assuming I outlive dh and it looks like I will. What worries me most is that various and sundry caregivers will notice that there is nobody visiting, and take advantage of the situation. Guess I'll need some imaginary friends, who will show up any day now.. : :ha...