Search found 167 matches

by sil2017
Thu Jan 18, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20110

Re: Anyone disenchanted with retirement?

I retired about 7 months ago at age 56 . I am loving it . Retirement is one of the best decisions I’ve made in my life. I still don’t feel like I have enough time for my interests and hobbies . I spend the morning reading and learning on the computer with my 2 cups of coffee . I go to the gym to wor...
by sil2017
Sat Jan 13, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Emergency evacuation with pre-existing condition
Replies: 13
Views: 1038

Re: Emergency evacuation with pre-existing condition

Sorry to confuse you all. Preexisting condition is defined as the look back period of either 45 days with Global rescue or 60 days with travel insurance. I believe my hemorrhoid would be considered pre-exisitng as I have seen the doctor last week. I told the doctor I have had hemorrhoids for over 15...
by sil2017
Sat Jan 13, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Emergency evacuation with pre-existing condition
Replies: 13
Views: 1038

Emergency evacuation with pre-existing condition

Oh gosh, I am so stressed out over my upcoming Mt. Kilimanjaro trip in the next 10 days. Not thinking, I was at the doctor for hemorrhoid condition last week. The reason is I wanted to get a referral in case I want it removed after my month trip to Africa. So I figured I see the doctor prior to the ...
by sil2017
Fri Jan 12, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 526

Re: Travel insurance-2ndary versus primary

Thanks for the information. I checked out global rescue as well. Highly recommended by the American alpine club . I spoke with CSR at global rescue in length. Global rescue would provide ground transfer to the helicopter location to transport me to the nearest hospital. Also, once stabilized, I have...
by sil2017
Fri Jan 12, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 526

Re: Travel insurance-2ndary versus primary

I agree with emergency evacuation which is what I am interested in. Kaiser will pay for all urgent and emergency medical fees. I need to file a claim which is the same for any travel insurance. I read the primer travel insurance from cruise critic forum. It mentioned "medjetassist" which is a stand ...
by sil2017
Fri Jan 12, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 526

Re: Travel insurance-2ndary versus primary

With my Kaiser Permanente CA insurance, my co pay is $15 for office visits. This will apply to urgent care abroad. If an emergency, I have full coverage without co-pay, same as in US.
by sil2017
Fri Jan 12, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 526

Re: Travel insurance-2ndary versus primary

I just called World Nomads. CSR keeps dodging the answer to my question about their secondary insurance coverage. I told CSR that I have international medical insurance through my employer and if by chance I need medical attention to be transferred to the hospital and get medical care, will the Worl...
by sil2017
Fri Jan 12, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Travel insurance-2ndary versus primary
Replies: 13
Views: 526

Travel insurance-2ndary versus primary

I will be trekking Mt Kilimanjaro , followed by a safari with a UK tour group within 10 days. Total number of days with Tour group is 20 days. I have international travel insurance with Kaiser Permanente which will cover my urgent and emergency care. They will also provide transportation cost if it ...
by sil2017
Thu Jan 11, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: more problem with boyfriend's computer
Replies: 9
Views: 1011

Re: more problem with boyfriend's computer

"She mentioned Group Policy, software that companies use to lock down PCs.. which means either some spyware changed settings to make it difficult to run, or that she's running the software in such a way it wasn't intended to be used. Hence the "Nuke it from Orbit, just to make sure" advice." My boyf...
by sil2017
Wed Jan 10, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: more problem with boyfriend's computer
Replies: 9
Views: 1011

Re: more problem with boyfriend's computer

gsmith

It is impossible to prove a negative, but if you feel he's compromised you should change his passwords from a sterile computer. Likely buy a new PC or wipe and reinstall Windows on the old PC. Also R-E-L-A-X.

How do you wipe out and install Windows on the old PC?
by sil2017
Wed Jan 10, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: more problem with boyfriend's computer
Replies: 9
Views: 1011

more problem with boyfriend's computer

Thanks to everyone suggestion on anti virus software for windows 7 premium home edition, I wanted to use windows defender but it was not turned on. When I clicked to turn on, a pop up stated " the program is blocked by group policy. For more information, contact your system administrator ( Error cod...
by sil2017
Wed Jan 10, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: antivirus for windows 7
Replies: 10
Views: 538

Re: antivirus for windows 7

I downloaded version of CC cleaner for my friend and it came with the Free Avast anti virus. Is this good to have?
by sil2017
Wed Jan 10, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: antivirus for windows 7
Replies: 10
Views: 538

antivirus for windows 7

Hope you can help my friend out who has very little knowledge of technology. He has 2 laptops with windows 7. It has the windows defender. Does he need other anti virus or software to keep it safe? Preferably the free one would be best. He does a lot of clicking here and there for free information a...
by sil2017
Fri Jan 05, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 31
Views: 1864

Re: compression sack for sleeping bag, help with calculations please

I received the sea to summit event dry compression sacks in size small and medium from Omcgear online.( best prices) It was a struggle for me to stuff the cat's meow in size medium so I bought 2 more ( size L and M, just in case I need an extra one) I thought of buying the Ultra-Sil dry sack instead...
by sil2017
Thu Jan 04, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: 1098 from B of A, box 7 not checked
Replies: 4
Views: 411

Re: 1098 from B of A, box 7 not checked

Thanks very much.

Would have been simpler for B of A to check box 7
by sil2017
Thu Jan 04, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: 1098 from B of A, box 7 not checked
Replies: 4
Views: 411

1098 from B of A, box 7 not checked

I received my 1098 form on line for 2017 tax year. The payee and street address of payee is correct. However, B of A did not check off box 7 ( is address of property securing mortgage same as Payer's/Borrower's address?). It was left blank. Then in box "8",the same street address is correct MINUS th...
by sil2017
Wed Jan 03, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 31
Views: 1864

Re: compression sack for sleeping bag, help with calculations please

Thank you all . I bought 2 sea to summit event dry compression sacks.
by sil2017
Sun Dec 31, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 31
Views: 1864

compression sack for sleeping bag, help with calculations please

I have spent two hours searching, calling and trying to figure out which sea to summit compression sack I need to buy. I am so frustrated and losing patience figuring this out so I hope someone can help me. I have a North face Cats Meow sleeping bag. It is regular length with 1 pounds 9 ounces of fi...
by sil2017
Tue Dec 19, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: capital loss on non markable securities
Replies: 3
Views: 295

Re: capital loss on non markable securities

Thank you for coming to the rescue.

All is good now.
by sil2017
Tue Dec 19, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: capital loss on non markable securities
Replies: 3
Views: 295

capital loss on non markable securities

I have a penny stock in my Brokerage account TD ameritrade for over 10 years. It doesn't trade on the market. NO quote data and and at 100% loss. The amount is almost 29K. There is a note in my account that states: Deadline for Removal of Non-marketable Securities: To have non-marketable securities ...
by sil2017
Fri Dec 15, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: baffle about Roth IRA contribution using turbo tax
Replies: 19
Views: 945

Re: baffle about Roth IRA contribution using turbo tax

Yes I did include the 457B pension distribution in my gross.

Thanks all for helping a confused and mentally challenged boglehead!!
by sil2017
Fri Dec 15, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: baffle about Roth IRA contribution using turbo tax
Replies: 19
Views: 945

Re: baffle about Roth IRA contribution using turbo tax

The $6500 to pay for my Roth IRA is money I have taken from my 457B pension distribution.
by sil2017
Fri Dec 15, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: baffle about Roth IRA contribution using turbo tax
Replies: 19
Views: 945

Re: baffle about Roth IRA contribution using turbo tax

okay, so gross amount should have included my $6500 Roth IRA which I didn't know.
by sil2017
Fri Dec 15, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: baffle about Roth IRA contribution using turbo tax
Replies: 19
Views: 945

Re: baffle about Roth IRA contribution using turbo tax

Sorry if I am confusing you and also confusing myself :( Gross amount income is $90000 On tax return, I will contribute $6500 to a Roth IRA When figuring out how much tax I need to pay, will the taxable income be based on $90000 or $96500? I thought it would be $96500 as I read that with Roth IRA yo...
by sil2017
Fri Dec 15, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: baffle about Roth IRA contribution using turbo tax
Replies: 19
Views: 945

Re: baffle about Roth IRA contribution using turbo tax

Does this mean that my taxable income will remain as $90000 rather than $96500?

total compensation is all income, correct? (retirement, capital gains, work)
by sil2017
Fri Dec 15, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: baffle about Roth IRA contribution using turbo tax
Replies: 19
Views: 945

baffle about Roth IRA contribution using turbo tax

I am 56 years old and retired in mid 2017. My employer contributed to my defined pension plan. I also made contribution to my 457B and 403B plans. I hypothetically filled in my turbo tax information for 90k gross from work income (actually the total is from work, retirement distribution, and capital...
by sil2017
Wed Dec 06, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: bank secrecy act-10k
Replies: 11
Views: 1282

Re: bank secrecy act-10k

chip and wilshuer

thanks both for your quick responses
by sil2017
Wed Dec 06, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: bank secrecy act-10k
Replies: 11
Views: 1282

bank secrecy act-10k

Hope I can get some advice before I withdraw funds (distribution process) from my 457B. The institution I hold my 457b is linked to my bank account. Whenever I needed money, the institution would electronically transfer the amount to my bank account. Many times, it has been about 2k per transaction....
by sil2017
Mon Dec 04, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: withdraw 457B 2017 or 2018
Replies: 2
Views: 204

withdraw 457B 2017 or 2018

I retired this year at the age of 56 with the intention of using my 457B distribution to pay off my heloc and fund my travel plans for 2018. I read that the 457b was on the table for the proposed Senate tax bill to penalized early withdrawal prior to 59 1/2 . Presently, there is no 10% early withdra...
by sil2017
Fri Dec 01, 2017 12:37 am
Forum: Personal Finance (Not Investing)
Topic: rental area in Las Vegas and suburbs
Replies: 5
Views: 814

Re: rental area in Las Vegas and suburbs

Thanks everyone for your help . I passed the information to my boyfriend. He will look at Summerlin and Green valley ranch tomorrow.
by sil2017
Wed Nov 29, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: rental area in Las Vegas and suburbs
Replies: 5
Views: 814

rental area in Las Vegas and suburbs

My boyfriend is searching for a rental in Las Vegas or the suburbs of Las Vegas. Other than Summerlin (think it is still a safe location), where would be a safe place for rent far from gang activity, prostitution and other crimes. Please provide zip code or nearby streets. Hopefully the rent will be...
by sil2017
Tue Nov 14, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: hellstrip- who's responsible for an accident
Replies: 9
Views: 1526

Re: hellstrip- who's responsible for an accident

I managed to get a hold of public works in my city. Someone from the city will come by my house to remove the dead fronds my. I guess the city is responsible for this. I didn't ask about the liability issue but I am not going to conclude that the city will be held responsible should a passerby be in...
by sil2017
Tue Nov 14, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: hellstrip- who's responsible for an accident
Replies: 9
Views: 1526

hellstrip- who's responsible for an accident

I am shopping for home owners insurance and trying to figure out liability versus medical. First off, is 300k liability and 1k medical sufficient for insurance? Do I need both? I have a queen palm on the hellstrip ( between sidewalk and the street curb ), The city is responsible for trimming the tre...
by sil2017
Sun Oct 29, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: taxable account vs no penalty 457B withdrawal to taxable account
Replies: 1
Views: 157

taxable account vs no penalty 457B withdrawal to taxable account

I have done some extensive reading on converting Traditional IRA to Roth IRA and it seems like using the taxable account to pay for the tax to convert to Roth IRA is the way to go. It doesn't specifically mention where the money comes from for the taxable account (savings, proceed from selling house...
by sil2017
Sun Oct 29, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 16740

Re: What was the main reason you retired?

#7 and # 9

Newly retired in June 2017 and there is still not enough time to do things.

Plus, I have always maintained a healthy lifestyle till the last several years before I retired. I needed more time to exercise and eat well.

Health first before anything else.
by sil2017
Tue Oct 24, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: is it safe to check Equifaxsecurity2017 (dot com)
Replies: 1
Views: 312

is it safe to check Equifaxsecurity2017 (dot com)

I am curious to know if I have been impacted with the Equifax security breach. Is it safe and wise to check if I were impacted at all?
by sil2017
Tue Oct 24, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 7762

Re: Innovis and ChexSystems freeze confirmation letters

Froze both 2 days ago. I spoke with the CSR at Innovis. She said it would take 7 to 10 days for confirmation letter with the PIN.

Other than the Equifax, Experian Transition, Chexsystems and Innovis, any other freeze I need to do?
by sil2017
Tue Oct 24, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 11011

Re: how long did it take to get used to retirement

I was used to retirement right away. I am 56 years old and newly retired as of June 2017. I loved my job but still wished I had retired at 55 years instead. I have always been very physically and mentally fit till the last 4 years when I slowed down on exercising and had back and neck herniation. Si...
by sil2017
Fri Oct 20, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: deductible Traditional IRA or Roth IRA
Replies: 5
Views: 319

Re: deductible Traditional IRA or Roth IRA

Based on my 1/2 year employment , 5 months defined pension , and some withdrawal from my 457 government plan, I have kept it just under the amount(62k) to qualify for a fully deductible Traditional IRA for 2017 tax year. I will not need to withdraw any of my IRA till I need to for the RMD. As far as...
by sil2017
Fri Oct 20, 2017 8:09 am
Forum: Investing - Help with Personal Investments
Topic: deductible Traditional IRA or Roth IRA
Replies: 5
Views: 319

deductible Traditional IRA or Roth IRA

Retired mid 2017 (56 years old) so this is the last year I can contribute to my IRA. I like to contribute the maximum of $6500. Is it best to contribute to the fully deductible IRA (just under the amount of 62k ) or Roth IRA? Also, if the best choice is the fully deductible Traditional IRA, would it...
by sil2017
Sat Oct 14, 2017 3:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 171
Views: 22074

Re: Vanguard 403b Changes

Mine was all converted from Individual to Admiral Shares on October 5, 2017
by sil2017
Sat Oct 14, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: what to do with 403b plan after retirement
Replies: 5
Views: 559

what to do with 403b plan after retirement

I am a Vanguard Voyager. My 403b mutual funds have been rolled over to admiral shares. It states that I need to be a plan participant for the $60 annual fee with the change over to Newport Custodian. ( is it $60 annual PER mutual fund or for ALL my mutual funds?) However, I am not really considered ...
by sil2017
Mon Oct 09, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: anyone else with 403b account missing at Vanguard
Replies: 6
Views: 1083

anyone else with 403b account missing at Vanguard

Checked my 403b account to exchange VHEWX with Wellesley admiral shares only to find my 403 B account missing. Called Vanguard and waited for awhile. Told I would receive a call back as Vanguard can't see my account either. No call back as of now from my original 6 AM PST time phone call. Vanguard t...
by sil2017
Sat Oct 07, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: early retiree healthcare, pre-existing condition
Replies: 3
Views: 669

Re: early retiree healthcare, pre-existing condition

Under my employment retirement plan, I have a choice of several HMO plans. If I change from Kaiser to blue shield next year AND the new law states that the pre-existing condition not be excluded, am I still cover for pre-existing condition under my employer or would this new law only applies to thos...
by sil2017
Fri Oct 06, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: early retiree healthcare, pre-existing condition
Replies: 3
Views: 669

early retiree healthcare, pre-existing condition

I retired early and will continue with my Employer's health plan. I have a subsidy for 5 years with Employer than I pay whatever amount is negotiated. Regardless of any changes in US health plans, will I be be covered for pre-existing condition since I am under my Employers health care? (more than 2...
by sil2017
Thu Sep 28, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Revocable living trust help please
Replies: 1
Views: 273

Revocable living trust help please

I live in CA. I am single (never married) with no kids. I am in my mid 50s I would like my beneficiary to be my brother/sister OR my niece/nephew in Canada. Am I able to just add one of my relatives from Canada on my accounts , house deed etc to avoid probate or a revocable living trust? If I am abl...
by sil2017
Mon Sep 25, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 96
Views: 9048

Re: california homeowners - do you have earthquake insurance?

Using trembler.net my number was 26% of the 100% scale of risk for major damage in Orange County, CA However, I am within a mile from the San Andreas Fault in Orange County. I am contemplating earthquake insurance with the 25% deductible. If you are close the the beach, earthquake insurance will not...