Search found 195 matches

by mrgeeze
Sun Dec 23, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: End of Year IRA Withdrawal
Replies: 11
Views: 503

End of Year IRA Withdrawal

I have an IRA account (at Fidelity) I have never made a withdraw on the account. I need to do so BEFORE 12/31/2018 in order to claim it as income in 2018. This is very important for a number of reasons. How do I do it? Do I set up a regular investment account at Fidelity and transfer money? or Do I ...
by mrgeeze
Wed Dec 19, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: How do I draw on my IRA or 401k?
Replies: 3
Views: 326

How do I draw on my IRA or 401k?

I have a number of retirement accounts. Some at Vanguard, Some at fidelity. I also have non-retirement accounts at both places How do I actually access the funds so I can buy myself something nice? After all, I'm worth it. Do I simply transfer from a retirement account to a non-retirement account. I...
by mrgeeze
Fri Dec 14, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 7441

Re: Is a New Car Okay if Driven 15+ Years?

I buy new and run into the ground whenever I can. My 2003 Honda Element has 272,000. I'm racing the rust to try to get to 300k. The beach is a tough place for a car to live. Anyway, re-think the 4wd. Normally it takes a few mpg off fuel efficiency. Over 300k thats some dough. Not much but enough for...
by mrgeeze
Fri Dec 14, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Receiver for klipsch bookcase speakers
Replies: 50
Views: 2464

Re: Receiver for klipsch bookcase speakers

You don't need much. The solid state amps built today are the way to go. Suggest you get bluetooth and perhaps a usb port on it It just makes it easier with a phone or tablet. I've used a couple of the Pyle Amps for similar purpose on high quality speakers (ADS/JBL/Polk) I've been pretty happy and t...
by mrgeeze
Sun Dec 09, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6771

Re: are pre-fabricated homes a bad investment?

OP, it is more about the location of the land than the condition of the buildings. The land is forever, buildings are not. My 112 year old house needs work. My 4 billion year old land is doing just fine. You clearly don't live at the beach. This "land" you speak of is far from forever. The shifting...
by mrgeeze
Sun Dec 09, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6771

Re: are pre-fabricated homes a bad investment?

any investment can be good, bad, or in between. If you pay a lot less for a pre-fab home than you sell it for, possibly it will be a good investment. but the crux of the biscuit is indeed, the apostrophe. how do you do that? Here's some stuff you may use Historically manufactured homes were often in...
by mrgeeze
Fri Dec 07, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: IRA deduction - Tax planning
Replies: 4
Views: 336

Re: IRA deduction - Tax planning

Contribute.

I would like to use the IRA contribution to reduce my MAGI for 2018.

Just not sure what the max is if I have no w-2 income and only a small amount of business net income.
by mrgeeze
Fri Dec 07, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: IRA deduction - Tax planning
Replies: 4
Views: 336

IRA deduction - Tax planning

Doing some eoy tax planning for 2018 married, both of us are 60 Retired Life primarily on investments income About 7k net from a small business my wife owns. We could use any and all need deductions to stave off the ACA Cliff. Plan on funding HSA to about $6400. Wondering how much can I take for IRA...
by mrgeeze
Tue Dec 04, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 4027

Re: Best new Mac/features for 2000-3000

I would stick with Dell. Macs are overrated (pretty but limited software) and overpriced. You can get much better specs with a Dell XPS desktop custom built for half the price. You can get a much better monitor and speakers as well. Overrated... I love that word. Overpriced... Even more. Purchasers...
by mrgeeze
Sun Nov 25, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Good Windows PC for programming / development
Replies: 23
Views: 1416

Re: Good Windows PC for programming / development

jibantik wrote:
Sat Nov 24, 2018 4:39 pm
Windows PC that is good for development work... isn't that an oxymoron? :P
+1

good one.

if people didn't pay so much to write C# nobody in their right mind would do it.
we'd all be writing ios apps on swift...

haaaa... did i really say that??

no, its all true i swear.
by mrgeeze
Sun Nov 25, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Galapagos Islands-Land based day tours worth it?
Replies: 9
Views: 760

Re: Galapagos Islands-Land based day tours worth it?

I went sportfishing there about 10 years ago. It was phenomenal! Stripe Marlin bite off the hook. We travelled quite a bit while fishing. Some runs were over 50 miles one way. Lots of whales, boobies, spinners,frigates,shearwaters,penguins, etc On our lay days we explored a few islands. Indeed, one ...
by mrgeeze
Sat Nov 24, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Too Much Apple [AAPL] Stock
Replies: 63
Views: 7514

Re: Too Much Apple [AAPL] Stock

I'm already overweight with aapl in my portfolio. but when the market opens on monday I'm buying 500 shares. I hope to sell it within a month or two, hopefully in tax year 2019. I think that's a pretty safe play foe hopefully a 5-10% return. of course, its a bit like gambling. and i have been wrong ...
by mrgeeze
Sat Nov 24, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 4845

Re: Should I sell my house?

chipperd wrote:
Fri Nov 23, 2018 7:16 am
Sell. Not even a question in my mind. Long term management of a property isn't a headache you want with a new job and two kids.
+1
Sell Today!!
If you expect a 1% roi on a rental, its not really any money at all.
A little bit of unplanned maintenance will eat that up.

Sell
by mrgeeze
Sat Nov 24, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating offer when you gave a number early in the interview
Replies: 23
Views: 2640

Re: Negotiating offer when you gave a number early in the interview

I used to hire quite a few people and if someone told me a number and then tried to increase it I would not have hired them. +1 Sometimes things like this can leave a bad taste in the hiring parties mouth. I too have been there. If an opportunity presents itself, by all means renegotiate. But if th...
by mrgeeze
Sat Nov 24, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Good Windows PC for programming / development
Replies: 23
Views: 1416

Re: Good Windows PC for programming / development

I'm looking to buy a Windows laptop that I'll use mostly for web development. I'll want something that runs visual studio and sql server pretty quickly, especially with building and testing solutions. Any recommendations on specific models or what to look for? For serious work in Visual Studio and ...
by mrgeeze
Sun Nov 18, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating offer when you gave a number early in the interview
Replies: 23
Views: 2640

Re: Negotiating offer when you gave a number early in the interview

a card laid is a card played.

you already told them what you wanted... changing it might forever leave a bad taste in their mouth.

the suggestion of sweetening your compensation with stock/options or some other form might be reasonable.

as you know think twice, speak once.
by mrgeeze
Sat Nov 17, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Warm winter vacation
Replies: 25
Views: 2287

Re: Warm winter vacation

we've been wandering for a few years. San Diego is beautiful, probably best climate in continental US. Just too many people. Texas will get cold on you. Even on the border. Florida is not our cup of tea either. We're going back to Arizona this winter. A month in Tucson and a month in Phoenix/Scottsd...
by mrgeeze
Sat Nov 17, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: low risk secured credit/debit card
Replies: 2
Views: 259

low risk secured credit/debit card

need to put in place a credit card for a friend. plan is to allow a certain amount monthly for a list of expenses. if he blows the balance in 3 days, he gets nothing till the next month. his problem. he's on board with it. I've seen a few options that I believe will accomplish this. Right now I'm th...
by mrgeeze
Sun Nov 04, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Protecting Bankruptcy Assets
Replies: 6
Views: 1046

Protecting Bankruptcy Assets

State is Va. Friend contemplating bankruptcy. Serious illness. Won't get better. I'm trying to help out with a bit of a financial mess. I have read the state exclusions for chapter 7 in virginia. I understand his residence and IRA are protected. He may soon sell a property that should put about 100K...
by mrgeeze
Thu Nov 01, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: ACA - Over the cliff and back.
Replies: 2
Views: 610

ACA - Over the cliff and back.

I have a situation where I might significantly exceed the Cliff.
I know what happens.

What I'm wondering is whether I will suffer any repercussions applying for or getting ACA subsidy in following years?
I shouldn't have a problem staying under next year.

Thanks,
by mrgeeze
Wed Oct 31, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Falling off the ACA subsidy cliff
Replies: 62
Views: 5167

Re: Falling off the ACA subsidy cliff

I'm in a similar situation such as yourself, projected to fly right off that ACA cliff and if so, would have to pay back $10,000 in subsidies. Last year our MAGI was right below the cliff; this year both wife and myself made more income. I'm pulling every possible lever I can to get below the cliff...
by mrgeeze
Wed Oct 31, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Falling off the ACA subsidy cliff
Replies: 62
Views: 5167

Re: Falling off the ACA subsidy cliff

indexfundfan wrote:
Wed Oct 31, 2018 10:29 am
Note: You can contribute to the HSA only if the plan you selected during open enrollment last year was HSA eligible.
Important point. +1
by mrgeeze
Wed Oct 31, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Falling off the ACA subsidy cliff
Replies: 62
Views: 5167

Re: Falling off the ACA subsidy cliff

My understanding is that you DO NOT want to go over the cliff. Note PERIOD. So, Tax loss harvesting of investments. Eat some losses. Contributing to a qualified HSA. This counts as a deduction on ACA MAGI Calculation. That can provide up to $6-7000, basically what you need. Make sure you get it all ...
by mrgeeze
Wed Oct 31, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: HealthCare 2019 - No ACA Subsidy
Replies: 55
Views: 4091

HealthCare 2019 - No ACA Subsidy

In the state of Virginia

Single male 60 years old
Income exceeds ACA maximum

What are the best places to shop for insurance.
I can examine no subsidy Healthcare.Gov plans- Just wondering if there are any better options out there/

THanks
by mrgeeze
Mon Oct 29, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 2790

Re: IT Career Advancement-What path?

1. Learn Relational Databases - Learn what normalization means Learn SQL syntax 2. Learn to code I suggest C# to start. Get really good at it. Put 1 and 2 together and you will be employed for life. I quit coding over 3 years ago and still have people calling me throwing good $$$ at me. Codd wrote t...
by mrgeeze
Sun Oct 28, 2018 6:21 am
Forum: Investing - Theory, News & General
Topic: Timber as an alternative - didn't work so well...
Replies: 34
Views: 5579

Re: Timber as an alternative - didn't work so well...

I guessing one can harvest white oak timber about once every 50-100 years. Better make a lot on that investment. What I scratch my head on is the rise of prices lately on almost all construction lumber. Surely the hurricanes of the last few years have driven demand. I guess foreign demand has some p...
by mrgeeze
Sat Oct 27, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing MAGI to qualify for ACA Premium Tax Credit
Replies: 12
Views: 1416

Re: Reducing MAGI to qualify for ACA Premium Tax Credit

Instead of dealing with estimating your income, it's simpler to pay the full premium during the year, then get the credit back when you file your taxes. That's assuming of course that you have the cash available. Not Hardly! Who has 10k lying around to tie up in insurance premiums? All one need do ...
by mrgeeze
Wed Oct 24, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: The ship metaphor
Replies: 24
Views: 2055

Re: The ship metaphor

Keep the pointy end forward
When it doubt,pull back on the throttle.
Above all, remain calm.

All good maritime and stock market advice.
by mrgeeze
Tue Oct 23, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Assume existing mortgage
Replies: 2
Views: 354

Assume existing mortgage

The state is Virginia. I am not a lawyer I wish to payoff an existing mortgage ($100k) on a residence that is not my own. I wish to put a lien on the property to protect my interest if the house is sold. What are the mechanics of this action. I reckon I need a lawyer. Any idea how much I will pay fo...
by mrgeeze
Mon Oct 22, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: Too Much Apple [AAPL] Stock
Replies: 63
Views: 7514

Re: Too Much APPL Stock

Few companies survive more than 100 years and Apple is already 42. I also have a personal theory that when companies build lavish headquarters it marks a change in the thinking of management—they think they're geniuses so they put the company on cruise control and put their feet up on their desks. ...
by mrgeeze
Thu Oct 18, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Helping out with early onset Alzheimer's
Replies: 15
Views: 1813

Helping out with early onset Alzheimer's

Good friend diagnosed at Age 60. Recently Divorced. X sympathetic but understandably mixed emotions Daughter working toward disability/Medicaid to provide ongoing income/healthcare Complicated situation. Expectation that financial advice and some $$ support will fall on friends soon for stopgap. One...
by mrgeeze
Sun Oct 14, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 58
Views: 6781

Re: Mexican Pacific Beaches

We went to Puerto Escondido last year. The beaches are very nice and most of the visitors are Oaxacans. The food is outstanding, traditional Oaxacan and coastal. Not a tourist haven. +1 on Oaxaca and even further down in Chiapas. Huatulco is full on local destination with highrises and boat tours. ...
by mrgeeze
Fri Oct 12, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3157

Re: Pacific Northwest trip

Thinking of taking about a 9-day trip to Oregon/Seattle next summer with the family (adult kids). Does 5 days in Portland and 4 days in Seattle seem like enough time to get a good feel for each place? Probably would do day trips from each city but I only want to say in two hotels/AirBnBs. Any sugge...
by mrgeeze
Thu Oct 11, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 92
Views: 7020

Re: Anyone here major in Economics in college?

Started in Econ in the college business school. Tranferred to Agricultural Econ in the Ag school The quantitative Micro side seemed more advanced in the ag school back then. Did a masters at Cornell in Ag econ. Studied a lot of Animal Science. Ultimately became a freelance software developer. Career...
by mrgeeze
Thu Oct 11, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5739

Re: Keep a backup hot water heater?

My hot water heaters (2-40 gallon) are approaching 15 years old. Some of my neighbor's have already failed (same age). Has anyone kept a spare in case of failure? I plan to install it myself and this would save me a trip to the Home Depot during a morning family crisis (I can imagine it now). I kno...
by mrgeeze
Wed Oct 10, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1109

Re: Hiking NH White Mountains. Taking one lens.

Day trip. Will be @ 5200 ft (Mt. Lafayette)...it is peak foliage here right now. I will be about 1,000 ft above tree line on top of Lafayette. Here are my lenses. I'm only taking one. Canon 24-70 F2.8 II Canon 50 F1.2 Canon 16-35 F4 Canon 100-400 F4.5-5.6 I was also considering toughing it out brin...
by mrgeeze
Sun Oct 07, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 10246

Re: What is your annual cost for health insurance?

Healthy couple 64yo in Cali (Bronze HDHP/ PPO no ACA subsidy): 2018: $20,099 premium; $9,600 deductible; expect to pay $2,300 out of pocket (deductible not reached) 2019 quote: $22,405 premium; $12,000 deductible; OOP unknowable, transitioning to Medicare anyway.... Don't forget the 3.8% net invest...
by mrgeeze
Mon Oct 01, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: New Snowbird- Tucson AZ
Replies: 21
Views: 3442

Re: New Snowbird- Tucson AZ

not an issue.
van is 20feet long
fits in a standard parking spot.
by mrgeeze
Mon Oct 01, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: New Snowbird- Tucson AZ
Replies: 21
Views: 3442

New Snowbird- Tucson AZ

Thinking about spending a month or two (Jan-march)in Tucson this winter (2019) Finding many places are already booked during this time. I guess we're a bit late to the ball Checking out the regular places (Airbnb,Vrbo, prop mgt firms). Any bogleheads have some good ideas they may have learned. Our i...
by mrgeeze
Sat Sep 29, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7214

Re: Got my new Iphone Xs

My previous phone was an Apple 4s. . . . . I run a variety of apps that are processor and storage intensive. Lol I really cannot reconcile these two statements. I didn't even know there were still functioning 4 series iPhones out there. Was that even getting iOS updates? I thought the X was amazing...
by mrgeeze
Thu Sep 27, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7214

Got my new Iphone Xs

Man, what a computer!! Phone work's great also. My previous phone was an Apple 4s. I'm not a person who upgrades very often. But this is some phone. I spent about $1300 for a totally tricked out (512GB) model I run a variety of apps that are processor and storage intensive. I dig the face id, the ge...
by mrgeeze
Tue Sep 25, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6843

Re: My Very First Smartphone — Please Critique This Plan

i had an iphone4s for years and years. my iphone xS just arrived an hour ago. it is totally bad to the bone! its a supercomputer with a small screen. I bought the fully tricked out one with 512gb storage for my music, performance audio, and high resolution maps. I know I know, paid over 1200 bucks f...
by mrgeeze
Tue Sep 25, 2018 5:48 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 4994

Re: 2019 ACA prices out

Just got my notice from Kaiser. Unsubsidized bronze for myself, a 62yo male, will be $791/month up from $700/mo this year. Not as bad an increase as I was expecting. Interesting that a measly 12% increase elicits gratitude! I wonder why the prices keep going up? A plethora of rationale is always fo...
by mrgeeze
Tue Sep 25, 2018 5:14 am
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2171

Re: Acoustic Pianos

I feel a quality instrument is in order for someone committed to music. At this point get a small grand piano at a price point you can afford. There really is no substitute. $7 grand for an instrument for beginner kids and those who "eventually would like to learn" is, imo, a terrible waste of mone...
by mrgeeze
Tue Sep 25, 2018 4:59 am
Forum: Personal Consumer Issues
Topic: $450 for 1.5 hour plumbing job normal?
Replies: 30
Views: 3483

Re: $450 for 1.5 hour plumbing job normal?

A pin-hole leak developed in an elbow of a copper pipe. Our trusted handyman said he could fix it for $450 and said it would be quick. He would have to replace several inches of the copper pipe and the elbow. We asked why so much and he said because the "parts" are expensive. After noticing our con...
by mrgeeze
Mon Sep 24, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2171

Re: Acoustic Pianos

Danger Will Robinson!!! my background I have played music for 45 years. I have instructed many students. Some are pretty good. I feel a quality instrument is in order for someone committed to music. At this point get a small grand piano at a price point you can afford. There really is no substitute....
by mrgeeze
Mon Sep 24, 2018 5:47 am
Forum: Personal Consumer Issues
Topic: Can salt water kill weeds permanently?
Replies: 18
Views: 2952

Re: Can salt water kill weeds permanently?

Be very aware that long term effects of chemicals on you, the rest of us, and the world we live in are not completely understood New things have come to light (nod to the Dude) even on things we previously thought "safe" like glyphosate(Roundup,etc). Chemistry is a really powerful tool. Use it well....
by mrgeeze
Mon Sep 24, 2018 5:03 am
Forum: Personal Consumer Issues
Topic: Bareboat Charter in BVI
Replies: 20
Views: 2687

Re: Bareboat Charter in BVI

I prefer power to sail. Its just easier to get around. I would go with a power cat as big as you can afford comfortably. Boats can get very small after only a few days, especially if someones having an attitude. Monohulls seem more difficult to find some personal space. They are kind of like long ha...
by mrgeeze
Wed Sep 19, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 132
Views: 11946

Re: Did you really have something to retire to?

retiredjg wrote:
Wed Sep 19, 2018 3:12 pm
flyingaway wrote:
Wed Sep 19, 2018 2:55 pm
For those who are retired, did you really have something solid to retire to?
I didn't. Not a clue. It has not been a problem. :happy
+1
by mrgeeze
Mon Sep 17, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 61
Views: 9625

Re: Thinking of Retiring at 52, Please Critique Plan

Honestly I was a bit apprehensive when I stopped "working for the man" 3 years ago. I did my research, my ducks were in a row. My financial advisor assured me I was ready. But I was nervous I wasn't overjoyed at my job back then but I did not hate it. Indifference would be a good term. I dug the $$$...