Search found 799 matches

by RudyS
Sat Nov 18, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: My fafsa has made me an "independent" because I was born before Jan. 1 1995. But im not independent...
Replies: 18
Views: 1063

Re: My fafsa has made me an "independent" because I was born before Jan. 1 1995. But im not independent...

If you re going to report the assets in the joint account, consider:
https://pocketsense.com/report-joint-as ... 75148.html
This is not an official answer, just what came up in a google search for fafsa joint account. Depends on who really owns the account.
by RudyS
Sat Nov 18, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Return of IRA contribution performed early in year, amend 1040 that year or the prior year?
Replies: 7
Views: 364

Re: Return of IRA contribution performed early in year, amend 1040 that year or the prior year?

Have you tried phoning IRS? They gave a number to call on the CP-2000. Other posters have reported pretty good success that way.
by RudyS
Fri Nov 17, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Issue with Bank of America credit card
Replies: 8
Views: 917

Re: Issue with Bank of America credit card

Try this, this or a variation works for many companies and saves lots of time on the phone. In Facebook, enter Bank of America in the "find" field. Select the page with the BofA logo. It has a send message tab. Hit it. Do not give your account info, but tell the rep in broad terms what the problem i...
by RudyS
Fri Nov 17, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Why did Vanguard drop TurboTax?
Replies: 15
Views: 2510

Re: Why did Vanguard drop TurboTax?

This topic was popular last year at tax time too. I buy TurboTax for around $40-$50 each year, except when it was cheaper/free through Vanguard. It is interesting how much time is spent on the Forum discussing how to save so few bucks once a year. There's also the issue of having to reenter a lot of...
by RudyS
Fri Nov 17, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: Should we be using high equity retirement portfolios? - Some cFIREsim scenarios.
Replies: 47
Views: 3466

Re: Should we be using high equity retirement portfolios? - Some cFIREsim scenarios.

Simple models don't tell all. At 76/81, our AA is 65/35 as it has been for years. Some suggest this is pretty risky. DW and I have discussed the BH philosophy, and the concept of asset allocation. She's familiar enough with our finances to carry on if I go first, but otherwise doesn't spend time on ...
by RudyS
Fri Nov 17, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Confused!!!! CRCCs or home care..? Help!!
Replies: 12
Views: 1049

Re: Confused!!!! CRCCs or home care..? Help!!

I like the idea of moving in when I'm healthy and active and not having to move again as my health and/or physical abilities decline. My mother strongly endorses this idea. As always is the case, there is a social hierarchy in these communities. Healthier and more able community members find it eas...
by RudyS
Fri Nov 17, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Confused!!!! CRCCs or home care..? Help!!
Replies: 12
Views: 1049

Re: Confused!!!! CRCCs or home care..? Help!!

We are looking for a CCRC nearer to our kids. We are 76/81, 800 miles from the kids. There was a recent thread you may find interesting.
viewtopic.php?f=2&t=228628&p=3554536&hi ... c#p3554536
by RudyS
Wed Nov 15, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 101
Views: 7074

Re: Has used furniture dropped in value dramatically?

Hi. My mother is selling her parent's home and is in the process of emptying it out. The realtor recommended that instead of doing a series of garage or estate sales, that we deal with just one person who empties homes professionally. So, she recommended someone that will evaluate all the items on ...
by RudyS
Wed Nov 15, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 101
Views: 7074

Re: Has used furniture dropped in value dramatically?

deleted. redundant. I tried to do an edit.
by RudyS
Wed Nov 15, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare and glucose test strips
Replies: 4
Views: 398

Re: Medicare and glucose test strips

It appears that Medicare part B covers glucose test strips. https://www.cms.gov/Outreach-and-Education/Medicare-Learning-Network-MLN/MLNMattersArticles/downloads/se0738.pdf Medicare covers certain supplies if a beneficiary has Medicare Part B and has diabetes. These supplies include: • Blood glucos...
by RudyS
Tue Nov 14, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 53
Views: 2418

Re: Michelin or Bridgestone?

I am on my 3rd Subaru Outback. All came with Bridgestone tires. None lasted 40K miles. All wore evenly, were rotated regularly. This time around I chose Michelin Defender.
by RudyS
Mon Nov 13, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Upgrading a flight - what are your rules?
Replies: 36
Views: 3190

Re: Upgrading a flight - what are your rules?

I'm 6'3". No question! I use Delta Comfort Plus whenever it's offered. Some decisions can be easy.
by RudyS
Mon Nov 13, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 7647

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

Swimmer wrote:
Mon Nov 13, 2017 6:22 pm
You, sir, are an inspiration. Thank you for sharing your experience and for your thoughtful post. Sorry you and your family are dealing with this disease.
+1 and more.
by RudyS
Sun Nov 12, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me I'm not a total fool about my choice of a Medigap policy
Replies: 26
Views: 2324

Re: Tell me I'm not a total fool about my choice of a Medigap policy

The extra cost of Plan F is worth it to DW so that she gets no bills at all . I understand the economics. I am a total fool about my wife, so we just pay it. I personally have Plan N. Different medical situations.
by RudyS
Sun Nov 12, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5643

Re: The Personal Black Swan

It is straightforward to hold your assets at a few different banks and investment companies. Seems to be a reasonable precaution to take in the event one financial institution is breached or if you are hit by identity theft (in the hopes that the thieves target one account but not all). There are t...
by RudyS
Sun Nov 12, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Paying off Home mortgage, partner doubts?
Replies: 40
Views: 2869

Re: Paying off Home mortgage, partner doubts?

You don't need to INFORM her. You need to DISCUSS it with her. Before the fact. All the rest is details on which you are getting decent advice. This is coming from someone who has been happily married for 56 years (to same DW).
by RudyS
Sat Nov 11, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Best way to sell house contents
Replies: 19
Views: 2473

Re: Best way to sell house contents

We are in same situation as OP. We plan to have an estate sale company sell what will remain in the house after we move. There is a company in our area that helps orchestrate such downsizing, from (living) estate sale to packing stuff to finding movers to helping set up the new place (if it's in the...
by RudyS
Sat Nov 11, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Marketplace insurance when dependent child gains employment
Replies: 5
Views: 365

Re: Marketplace insurance when dependent child gains employment

Is he a member of the "tax household"? See IRS Instructions for 8965: "Tax household. For purposes of Form 8965, your tax household generally includes you, your spouse (if filing a joint return), and any individual you claim as a dependent on your tax return. It also generally includes each individu...
by RudyS
Sat Nov 11, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: A penny saved is NOT a penny earned ..
Replies: 16
Views: 2228

Re: A penny saved is NOT a penny earned ..

Different ways to look at it. If I save a buck at the store by buying a less expensive item, I have a buck more. If I earn a buck more, I have 70 cents more than before. That is to say, pretax dollars are not the same as after tax dollars.
by RudyS
Sat Nov 11, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6605

Re: Swedish Death Cleaning

Our pictures and films will be digitized, and put onto CDs and thumb drives. Then the originals will be tossed. I would think twice about this. I have information on 5" floppy discs and 3.5" floppy discs that I cannot read. My computer does not have drives for those. (Yes, I know they could still b...
by RudyS
Sat Nov 11, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: taxes on selling off photo gear?
Replies: 13
Views: 942

Re: taxes on selling off photo gear?

If personal property sold on ebay. . .why would there be taxes due? I don't think it matters if they're personal property or where they're sold. If you make money you owe taxes. I will sell the lenses for less than I paid for them. Do I owe any federal taxes on these sales? This is the key point. S...
by RudyS
Thu Nov 09, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: How to buy a new car with a trade-in.
Replies: 24
Views: 1515

Re: How to buy a new car with a trade-in.

Sounds like you got lucky! It did work out very nicely. But the time before that, I think I sold to the second person who came to see my car. Both cars were Toyotas in good shape, and this was a small town rural area where my listing wasn't swamped by hundreds of others, and that might be the diffe...
by RudyS
Wed Nov 08, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Lending Money to Business Acquaintance
Replies: 17
Views: 1247

Re: Lending Money to Business Acquaintance

From the facts given, it doesn't seem that such a loan has any real chance of being repaid. Here's another thing to think about - what do you plan to do in February when he is again out of money and asks for more? Basically, the same points 01spirit750 raised in the previous reply.
by RudyS
Tue Nov 07, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 27
Views: 1411

Re: Best strategy for selling cell phone on Ebay?

Sell on craigslist if you have a decent market. I wouldnt touch ebay with a 10 foot pole in terms of selling a cell phone. And if you do...do not be upset if you get scammed. +1 I do some selling on eBay, but stay far away from problem areas like electronics. Too many scams on both ends. The so-cal...
by RudyS
Sat Nov 04, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Help me understand the Used Car Dealership perspective
Replies: 29
Views: 3361

Re: Help me understand the Used Car Dealership perspective

Probably what is best is for me to let the other local Subaru dealers know that I'm looking for and call me when they get something in. Glad to know that it's not just me, this is a strange situation with a dealer. Sounds like a good plan. We have almost the identical Subie and love it. Our local d...
by RudyS
Sat Nov 04, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Looking for a good CCRC in NC, or Mid-Antlantic area. [Continuing Care Retirement Community]
Replies: 4
Views: 389

Re: Looking for a good CCRC in NC, or Mid-Antlantic area. [Continuing Care Retirement Community]

We are in the process of finding a CCRC in Massachusetts, near to our kids. Massachusetts has great information at https://www.mass.gov/service-details/continuing-care-retirement-communities. There might be other such sites in other states, or similar source of info. Try Google. But do be aware that...
by RudyS
Sat Nov 04, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Transferring between terminals at Boston Logan Airport
Replies: 5
Views: 459

Re: Transferring between terminals at Boston Logan Airport

I fly into Logan occasionally. There is a shuttle bus between terminals but I don't remember details. Logan has a web site, believe it's called massport. Maybe a native will chime in here too. Depending on airline(s) you might not need to recheck luggage outbound. Please check with the airline.
by RudyS
Fri Nov 03, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Should I keep the Condo or rent to Canadians?
Replies: 12
Views: 1318

Re: Should I keep the Condo or rent to Canadians?

dbltrbl wrote:
Fri Nov 03, 2017 7:40 am
put an ad in Toronto newspapers for week or two and you should be fine. You can check credit bureaus when you make the decision.
Good suggestion. Maybe use Montreal paper too. When our folks lived at Century Village Deerfield, they found their Canadian neighbors to be quite nice.
by RudyS
Fri Nov 03, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: Active vs. Passive: a Vanguard perspective
Replies: 3
Views: 658

Active vs. Passive: a Vanguard perspective

This links to a blog from Market Realist, however, it seems Vanguard has "sponsored" this post. But quite interesting.
https://beta.marketrealist.com/2017/10/ ... edium=auto
by RudyS
Wed Nov 01, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Easy Way to Change Guardians in Will
Replies: 8
Views: 528

Re: Easy Way to Change Guardians in Will

If you want free advice from the internet, check out this info on legalzoom: Probate courts appoint legal guardians to care for minor children if their parents die. A guardian ensures a child receives such things as housing, food, education and health care until he reaches the age of 18. Parents can...
by RudyS
Wed Nov 01, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo the Custodian of Amex Employees 410k gave wrong advise now blaming me!
Replies: 12
Views: 2059

Re: Wells Fargo the Custodian of Amex Employees 410k gave wrong advise now blaming me!

First I had to understand the transaction. This seems like a good detailed description. https://www.fidelity.com/viewpoints/personal-finance/company-stock What part of the requirements did you not meet? Can you document the source of WF's advice? I'm no expert on this, but the information I mentione...
by RudyS
Tue Oct 31, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 5777

Re: Retirees: which websites do you spend the most time on?

Bogleheads, Facebook, My.Yahoo home page for news links, TripAdvsior for trip planning.
by RudyS
Tue Oct 31, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 4213

Re: How to get over the fear of traveling without spouse and children?

This past summer we took our two kids to visit the UK in the aftermath of the Arianna Grande concert attack and all the other problems England was having. It did make us pause and reconsider the wisdom of taking a couple of kids into that environment. However, once I did a little research and disco...
by RudyS
Tue Oct 31, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 14988

Re: What was the main reason you retired?

Really enjoyed my job at megacorp. At age 64, they did a RIF and I was made an offer I couldn't refuse. FI, so no regrets. Did a little consulting for a couple of years, but was ready to call it a "day."
by RudyS
Mon Oct 30, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Need advice - Job
Replies: 37
Views: 3485

Re: Need advice - Job

Good for you! Thanks for updating us.
by RudyS
Mon Oct 30, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard and restriction to unrecognized computer
Replies: 9
Views: 614

Re: Vanguard and restriction to unrecognized computer

As spoonfork said earlier, older "feature" phones can receive and send texts. Mine did. But the sending was a convoluted process. Incoming should still work.
by RudyS
Sun Oct 29, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in Jan/Feb?
Replies: 25
Views: 2176

Re: Vacation ideas in Jan/Feb?

Consider Sarasota on the Gulf coast. There are some nice beaches on the islands (or keys), and a lot of stuff to do inland. The Ringling museum took us all day to appreciate. Also various parks and other activities. Did a lot of research using TripAdvisor and Frommers book (from library). Found more...
by RudyS
Sat Oct 28, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard voice verification
Replies: 3
Views: 453

Re: Vanguard voice verification

I have wondered whether the system would have a problem if my voice is a little different, due to cold, sore throat, bad phone connection, etc. Now I wonder if this type of an issue is what is creating a problem for you.
by RudyS
Sat Oct 28, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 2966

Re: bedroom color-current trend?

When we were looking to buy, we were kind of irked when the seller spent money on paint, carpet, countertops/cabinets, in colors we did NOT like. Would much have preferred to get $ off the price so we can have our choice of colors. Fast forward a bunch of years. Now we will be the sellers! All what...
by RudyS
Sat Oct 28, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3153

Re: European Tours

Try: http://www.tauck.com/ or https://www.odysseys-unlimited.com/. Both are very good. Buon viaggio We just did an 8 day cruise around Iceland with Tauck. More expensive than most, but worth it! The biggest advantage of cruise-type trips is that you don't have to unpack each night (although there a...
by RudyS
Fri Oct 27, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 2966

Re: bedroom color-current trend?

When we were looking to buy, we were kind of irked when the seller spent money on paint, carpet, countertops/cabinets, in colors we did NOT like. Would much have preferred to get $ off the price so we can have our choice of colors. Fast forward a bunch of years. Now we will be the sellers! All what ...
by RudyS
Fri Oct 27, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2318

Re: Going to SF, Yosemite and Sacramento

The Ahwanee is now the Majestic Hotel. Big Basin is a nice state park, lots of tall coast redwoods, and it is sort of on the way to Santa Cruz, But that road is very winding and narrow. Not very comfortable if you aren't used to mountain driving. You'll have to check locally about the various trails...
by RudyS
Fri Oct 27, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Storing of important Information - account numbers, SSN, etc...
Replies: 21
Views: 1039

Re: Storing of important Information - account numbers, SSN, etc...

Account numbers and passwords are coded (DW and I know the code) and are in paper in my files. Nothing like that on my phone. I only do finances from my desktop at home. I do keep credit card info (again, coded) with me when travelling so I can cancel cards if need be.
by RudyS
Fri Oct 27, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 2472

Re: RMD distribution timing

Where's the RMD coming from? stocks or bonds? If bonds, then it won't matter too much when you take it. If stocks, here's your chance to do market timing! Market going to fall? Take RMD now. Market going to rise? Wait till December. Only partially in jest.
by RudyS
Wed Oct 25, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Do I Need a Chimney Cap?
Replies: 28
Views: 1872

Re: Do I Need a Chimney Cap?

Get a cap. But not knowing details, $350 seems high. How about buying one yourself (HD, Lowes, etc) and having a handyman put it up on the chimney? I'm not comfortable working on the roof, so I'm not going there myself.
by RudyS
Mon Oct 23, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 4301

Re: what is your weekly workout routine?

Levett wrote:
Mon Oct 23, 2017 4:34 pm
75 yo. Lifting (3 days weekly), stretching and aerobic (6 days a week). 45-60 minutes each session. And single malt scotch at 5 p.m. :D

Lev
I posted my routine, but forgot to mention the 5 PM scotch! That might be the key to the whole thing. :beer
by RudyS
Mon Oct 23, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 4301

Re: what is your weekly workout routine?

You folks work hard, but I'm sure it's worth it. I'm 81, male, and I do what I hope is enough to keep me from falling behind. If I were younger this probably wouldn't be enough. Every other day, in front of a tv on which I record shows like ax men, deadliest catch, ice road truckers, etc. I can watc...
by RudyS
Mon Oct 23, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Commission only fiduciary planner
Replies: 129
Views: 4986

Re: Commission only fiduciary planner

Thank you, I fully feel that the FAs will be very charming, charismatic and personable people. I am sure their office will be set up to some how psychologically make people feel at ease. And I will certainly go into it knowing they are trying to make money off of me. Too many people that have recom...
by RudyS
Sun Oct 22, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Who does the portfolio reviews and why?
Replies: 21
Views: 1355

Re: Who does the portfolio reviews and why?

Maybe a smidgen off topic, but I participate in those threads which relate to something I have some knowledge about. I enjoy doing it. Also sort of payback for benefits I received from these forums. Portfolio analysis is unfortunately not one of my strong suits. I use a simple asset allocation imple...
by RudyS
Sun Oct 22, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Most economical way to ship clothing?
Replies: 9
Views: 638

Re: Most economical way to ship clothing?

Check out the on-line calculators for USPS, UPS, Fedex, for their various classes of services. You will need box dimensions and weight.