Search found 407 matches

by Small Law Survivor
Sun Apr 22, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Prepping My Snowblower for Off-Season
Replies: 11
Views: 902

Prepping My Snowblower for Off-Season

The shop I purchased my Ariens 2-stage snowblower from included a sheet that contained the following post-winter storage instruction: Run out all gas station fuel Add a quart of ethanol free fuel. Run engine for 15 minutes and then store" I'm a first-time owner (as of this winter). Does this sound c...
by Small Law Survivor
Sun Apr 22, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Good pushreel lawn mower?
Replies: 11
Views: 1011

Re: Good pushreel lawn mower?

No, it's very easy. You don't actually remove the blade. You smply remove the "hubcap" from one of the wheels, and disengage the wheel lock. After brushing on the sharpening compound on all sides of the blade, you then use this kit's "handle" to turn the wheels while the blade self-sharpens (the co...
by Small Law Survivor
Sun Apr 22, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Good pushreel lawn mower?
Replies: 11
Views: 1011

Re: Good pushreel lawn mower?

[/quote]No, it's very easy. You don't actually remove the blade. You smply remove the "hubcap" from one of the wheels, and disengage the wheel lock. After brushing on the sharpening compound on all sides of the blade, you then use this kit's "handle" to turn the wheels while the blade self-sharpens ...
by Small Law Survivor
Sat Apr 21, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: Good pushreel lawn mower?
Replies: 11
Views: 1011

Re: Good pushreel lawn mower?

I own the same mower, and for a little longer than you have owned yours. Sharpening the blade isn't difficult at all, and should take you 30 minutes at most. It should be done every new season. Please buy the sharpening kit on Amazon for $12 and don't waste money on a new mower unless something els...
by Small Law Survivor
Sat Apr 21, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2419

Re: How long have you been employed?

So I was thinking the other day about my first job, a paperboy in spring of 1968 and realized I have been continuously working for 50 years. I'll have to think a little more how many jobs I've had over the years. Just curious how many years other on the forum have worked? Got you beat - started wor...
by Small Law Survivor
Sat Apr 21, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Good pushreel lawn mower?
Replies: 11
Views: 1011

Good pushreel lawn mower?

I purchased this Scotts 2000-20 20-Inch Classic Push Reel Lawn Mower in 2013 (boy, time flies). https://www.amazon.com/gp/product/B00004RA3E/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 It is non-gas/non-electric - human muscle powered 100%. It needs to be sharpened this year for sure, but before I go...
by Small Law Survivor
Sun Apr 15, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends
Replies: 6
Views: 566

Re: Reinvest Dividends

I've always reinvested dividends in my taxable account, and now that I'm retired and in "withdrawal" phase, I'm continuing to do that. I'm not sure that that's a mistake at this point - would appreciate any thoughts on the subject.
by Small Law Survivor
Mon Apr 09, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: 8606 form - am I filling it correctly?
Replies: 32
Views: 2019

Re: 8606 form - am I filling it correctly?

Thanks FiveK, I'll study this
by Small Law Survivor
Sat Apr 07, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11357

Re: What is your AA, given your age? and, Why?

Age 67, allocation 50/40/10. No plans to change that for the foreseeable future.
by Small Law Survivor
Thu Apr 05, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: SPOT [Investing in Spotify]
Replies: 45
Views: 2527

Re: SPOT [Investing in Spotify]

Amazing product, questionable business. Perhaps they could be bought by Tencent or other larger player. I hope going public doesn't effect the quality and offerings of their service. Love their interface, playlist sharing, and offline download capacity. Happy to pay premium for product, not so much...
by Small Law Survivor
Wed Apr 04, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: 8606 form - am I filling it correctly?
Replies: 32
Views: 2019

Re: 8606 form - am I filling it correctly?

In one post you seem to have a 16 year problem. In the next post, it is a two year problem? I think much more info is probably needed to help you. I don't really have a 16 year problem. My accountant did fail to update tIRA basis for a few years, but that is a trivial fix. The only real "problem" I...
by Small Law Survivor
Wed Apr 04, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: 8606 form - am I filling it correctly?
Replies: 32
Views: 2019

Re: 8606 form - am I filling it correctly?

I don't think the toolbox spreadsheet handles recharacterizations. And, the site Jon H points to discusses this, but it is very confusing - I'm not sure I understand it or could do this correctly. Where could I get some help with this? What's confusing to me is how to handle the following: 2010 - do...
by Small Law Survivor
Tue Apr 03, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: 8606 form - am I filling it correctly?
Replies: 32
Views: 2019

Re: 8606 form - am I filling it correctly?

Are you doing this form by hand or by software? I need to recalculate my non-deductible IRA basis from 2002 to present - my accountants made a number of mistakes in several years during that time frame. Is there software I could use to do these calculations? They involve contributions, Roth convers...
by Small Law Survivor
Fri Mar 23, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Advice on How to Fix Non-Deductible IRA Basis?
Replies: 1
Views: 260

Re: Advice on How to Fix Non-Deductible IRA Basis?

I got no responses to this post, so I hope it's OK if I bump it back up and try again. Still hoping some of the tax experts here will help me with this problem.

Small Law Survivor
by Small Law Survivor
Tue Mar 20, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on How to Fix Non-Deductible IRA Basis?
Replies: 1
Views: 260

Advice on How to Fix Non-Deductible IRA Basis?

The enrolled agent I have doing my taxes this year started asking questions about my non-deductible IRA basis. In response, I started looking at my tax returns going back about 10 years. In some years my accountant didn't filed a Form 8086. In other years he did, but even I can see that he tracked t...
by Small Law Survivor
Sun Mar 18, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to keep track of Roth cost basis?
Replies: 13
Views: 1897

Re: How to keep track of Roth cost basis?

Supporting documents would be your Form 5498 (that you get each year that documents your IRA contributions) I am looking through my tax records for the last ten years, and I do not have Form 5498s for many of those years. I looked in the Vanguard "Tax Center," and that form is there for some years,...
by Small Law Survivor
Fri Mar 16, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to keep track of Roth cost basis?
Replies: 13
Views: 1897

Re: How to keep track of Roth cost basis?

I am dealing with much the same issue, except that I have both traditional and Roth IRAs. I will post my question re basis in tIRAs separately. You said you are hoping to retire early, but you didn't say whether that would be before or after 59 1/2. (Sorry, notwithstanding the "retire early" movemen...
by Small Law Survivor
Thu Mar 15, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Did Rollover From 401K to IRA Disqualify Me From Roth Contribution in 2017?
Replies: 12
Views: 756

Re: Did Rollover From 401K to IRA Disqualify Me From Roth Contribution in 2017?

If you were doing Back door Roth till now (because you earned more than the roth ira limits), then this rollover IRA might prevent you from getting the full benefit of the back door roth. Could you clarify, please? I have done backdoor Roth conversions in past years, but not in 2017. In 2017 I roll...
by Small Law Survivor
Thu Mar 15, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Did Rollover From 401K to IRA Disqualify Me From Roth Contribution in 2017?
Replies: 12
Views: 756

Re: Did Rollover From 401K to IRA Disqualify Me From Roth Contribution in 2017?

I want to third the recommend to get a new tax preparer. You don't want to pay them to learn what a simple internet search can teach them. Yes, I made a mistake this year. The person I retained to do my taxes was referred by a friend. She is an enrolled agent. I don't understand why she didn't know...
by Small Law Survivor
Wed Mar 14, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Did Rollover From 401K to IRA Disqualify Me From Roth Contribution in 2017?
Replies: 12
Views: 756

Re: Did Rollover From 401K to IRA Disqualify Me From Roth Contribution in 2017?

I think you need a new tax preparer. This is Rollover 101 and they just flunked. Yes, they are technically rollover contributions , but only CA$H contributions are considered for purposes of the contribution limits Even if you did a rollover from a traditional 401k or traditional IRA to a Roth IRA,...
by Small Law Survivor
Wed Mar 14, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Did Rollover From 401K to IRA Disqualify Me From Roth Contribution in 2017?
Replies: 12
Views: 756

Did Rollover From 401K to IRA Disqualify Me From Roth Contribution in 2017?

I rolled over my 401K to a Vanguard IRA in 2017. My tax preparer is exchanging communications with me regarding my tax return, and she has commented as follows: I just wonder if the Rollovers you did would in any way be considered contributions which would mean you weren’t eligible to make the addit...
by Small Law Survivor
Tue Mar 13, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Had to Cancel a Trip Due to Emergency Surgery - Anyone Filed a Trip Insurance Claim With Allianz?
Replies: 6
Views: 905

Re: Had to Cancel a Trip Due to Emergency Surgery - Anyone Filed a Trip Insurance Claim With Allianz?

Shallowpockets wrote:
Tue Mar 13, 2018 5:30 pm
Why not call Allianz?
I will, but I was wondering what kind of experiences people have had - like, this is easy, or this is a hassle, watch out for ....
by Small Law Survivor
Tue Mar 13, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Had to Cancel a Trip Due to Emergency Surgery - Anyone Filed a Trip Insurance Claim With Allianz?
Replies: 6
Views: 905

Had to Cancel a Trip Due to Emergency Surgery - Anyone Filed a Trip Insurance Claim With Allianz?

My wife was planning to go to Italy with some friends at the end of March. But, she woke up a week ago with vision problems, and it turns out she has a macular hole, and needs surgery to repair it. Her doctor strongly advised her against delaying until after the trip, so the surgery will take place ...
by Small Law Survivor
Tue Mar 13, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 60
Views: 10808

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I have HSA Bank + Ameritrade. I have to say that I find the Ameritrade website incredibly cluttered and confusing. The hassle of transferring money from HSA to Ameritrade, and then playing around on the Ameritrade site, has been a disincentive for me to really get on top of my investments in my HSA.
by Small Law Survivor
Sun Mar 11, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Need encouragement (on doing own taxes to save money)
Replies: 22
Views: 1913

Re: Need encouragement (on doing own taxes to save money)

I've always used a tax preparer, since I had partnership income, and I didn't feel like I could handle that in TT. This year, I only have earned income, so doing my taxes on TT, and I have a tax preparer doing them as well. I'll see if they come out the same, or where I've made mistakes, and then (h...
by Small Law Survivor
Mon Mar 05, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock ETF (VT) as a proxy for an internationally diversified portfolio?
Replies: 20
Views: 2281

Re: Vanguard Total World Stock ETF (VT) as a proxy for an internationally diversified portfolio?

That is a huge tilt to small value, which strongly clashes against your proposal for simple. In five or ten or 15 years, when the small value has strongly underperformed the market, what information will she have to justify that outsized allocation when dropping in new money? A story about historic...
by Small Law Survivor
Sun Mar 04, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Bond Portfolio Recommendations
Replies: 8
Views: 1095

Re: Bond Portfolio Recommendations

Vanguard Total Bond Market Index Admiral VBTLX Vanguard Inflation Protected Securities Admiral VAIPX Vanguard Short Term Bond Index Admiral VBIRX I am 67 (almost), retired, have a roughly 50/50 portfolio. In my taxable account I am 100% municipal bonds, mostly intermediate bond fund. In my IRA (whi...
by Small Law Survivor
Sun Mar 04, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock ETF (VT) as a proxy for an internationally diversified portfolio?
Replies: 20
Views: 2281

Re: Vanguard Total World Stock ETF (VT) as a proxy for an internationally diversified portfolio?

I'm helping my daughter (age 23) create a "set it and forget it" portfolio for her Roth IRA. At her age, this has (I hope) a 40-50 year horizon, and I'm strongly inclined to suggest Total World/VTWSX as the core of that portfolio. She would bring down the international component somewhat with a U.S....
by Small Law Survivor
Thu Mar 01, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 40
Views: 3379

Re: What iPhone podcast application do you use?

Tried bunch of them. For my needs, there is nothing but Overcast 1) automatic download new episodes when on WiFi 2) plays episodes in chronological order 3) allows automatic deletion after play One would think every podcast application would obviously have those three basic features but you will be...
by Small Law Survivor
Thu Mar 01, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 40
Views: 3379

Re: What iPhone podcast application do you use?

I listen to a lot of podcasts, and I've never ventured beyond the Apple app. However, I am hearing-challenged, and I sometimes have trouble hearing some speakers. So, when eog says: I decided to try overcast and really liked the volume boost(this sets the EQ so that the spoken words are clearer ... ...
by Small Law Survivor
Thu Mar 01, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Over 62 and waiting to claim Social Security? - Potential Fraud alert
Replies: 28
Views: 3190

Re: Over 62 and waiting to claim Social Security? - Potential Fraud alert

This happened to me in January, but SSA caught it before any payments were made. Here's the thread discussing this: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=237538 Note that a poster there wrote: If you haven't already, register for online access to www.ssa.gov This gives you online acce...
by Small Law Survivor
Mon Feb 19, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best Place to Get Answers to Questions re Turbotax, Generally
Replies: 3
Views: 353

Best Place to Get Answers to Questions re Turbotax, Generally

I'm doing my taxes on TT, and I have several questions, some of which I suspect are very basic to experienced TT users, others may not be. I don't want to post them here - this isn't a "tax" forum. Is there a good go-to, tax-centric site that's best for TT questions? Thanks.
by Small Law Survivor
Thu Feb 15, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 7128

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

I am in Massachusetts. I am speaking with a licensed agent. Based on responses here, I'm not sure she told me anything incorrect. I don't carry this coverage because I have comp/collision and good medical insurance. Don't think it adds anything personally. This was my thinking. I disagree. Suppose y...
by Small Law Survivor
Thu Feb 15, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: Is Tax-Managed Small Cap (VTMSX) an underrated fund?
Replies: 5
Views: 866

Re: Is Tax-Managed Small Cap (VTMSX) an underrated fund?

I agree - it is a fantastic fund. I've been heavily invested in it, in my taxable acct. for a long time - so long I can't remember. It has grown tremendously over that time. I like it so much I'm thinking of recommending it to my daughter as a "hold forever" fund in her small taxable account (if I c...
by Small Law Survivor
Thu Feb 15, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 7128

Should I be paying $1300/yr. for under/uninsured motorist protection?

I had a long talk with my insurance agent today. It was quite revealing. Among other things I learned that I am paying $1300/yr. for UM/UIM (uninsured motorist/underinsured motorist) coverage for three people/three vehicles. The agent said this was for medical care if we had an accident with someone...
by Small Law Survivor
Wed Feb 14, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 8818

Re: How many of you use the "4% rule" during retirement?

As I have read the various threads on the 4% rule, it is not typically used as a withdrawal strategy, it is more typically used as FI indicator. Not sure about this - my understanding is that it is a withdrawal strategy. I retired at 65 (two years in Sept. 2018), and am planning to use it for 65-69...
by Small Law Survivor
Fri Feb 09, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Forbes: IRS Sets Final 2018 Deadline For Roth Conversion Do-Overs
Replies: 0
Views: 204

Forbes: IRS Sets Final 2018 Deadline For Roth Conversion Do-Overs

I can't imagine this hasn't already been posted, but I tend to look at BH every few days, so I miss a lot of posts. But, just in case: One of the few retirement changes in the tax overhaul was the elimination of do-overs for Roth IRA conversions. It used to be that you could convert a traditional IR...
by Small Law Survivor
Fri Feb 09, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3673

Re: Jogging in the cold.

This is the kind I have. They work very well. They are made from stainless steel, so no rusting. Over times they wear down, but it takes years. I paid less than $60 https://www.amazon.com/Micro-Spikes-855 ... B0030I3Y48 Kahtoola microspikes. These are the best. Been using them for years. You can ru...
by Small Law Survivor
Fri Feb 09, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy Coverage Amount
Replies: 11
Views: 936

Re: Umbrella Policy Coverage Amount

Chip wrote:
Fri Feb 09, 2018 4:31 am
P.S. Still wondering if you refinished the deck yourself or hired it out....
We refinished the deck ourselves - it was incredibly easy, and an easy way to save several thousand dollars. :greedy
by Small Law Survivor
Thu Feb 08, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy Coverage Amount
Replies: 11
Views: 936

Re: Umbrella Policy Coverage Amount

Hmmm ... our daughter (now age 23) graduated from college and moved back home. She owns her own car. This increased the cost of our umbrella policy. Does this make sense? Isn't she liable for her own accidents (she is basically judgment proof). I'm planning to discuss this with our insurance agent i...
by Small Law Survivor
Wed Feb 07, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3673

Re: Jogging in the cold.

nativenewenglander wrote:
Wed Feb 07, 2018 7:25 am
I also wear ice grippers on my running shoes as everything is ice most of the winter
I've never owned "ice grippers" - is there a particular brand or style you would recommend?
by Small Law Survivor
Mon Jan 29, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: $300 Cash Card - Can I Sell It, or Should I Use It for a Large Purchase?
Replies: 13
Views: 1058

Re: $300 Cash Card - Can I Sell It, or Should I Use It for a Large Purchase?

Don't worry about it. Just use it somewhere that you deal with an actual person(Grocery stores, Target, etc) until it is used up. I use them all the time, often in small values($5 or $10 rewards), and I've never run into a cashier that didn't know how to handle it. They'll use the gift card as long...
by Small Law Survivor
Sun Jan 28, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: $300 Cash Card - Can I Sell It, or Should I Use It for a Large Purchase?
Replies: 13
Views: 1058

$300 Cash Card - Can I Sell It, or Should I Use It for a Large Purchase?

I participated in a medical incentive program at work, and my "reward" is a $300 cash card, which I now have in hand. I don't want to have to worry about what the balance is - this is more of a nuisance than anything. Is there any way I can cash or redeem this $300? I'd be willing to take a 10% hit ...
by Small Law Survivor
Sun Jan 28, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Can I Continue to Contribute to an HSA if My Wife Takes Social Security/Medicare A?
Replies: 3
Views: 318

Can I Continue to Contribute to an HSA if My Wife Takes Social Security/Medicare A?

My wife is turning 66 later this year, and we are thinking she will take social security then. When you sign up for SS you are forced to take Medicare Part A, although you are not required to use it. I know that if I were to sign up for SS/Medicare A I would no longer be able to contribute to my com...
by Small Law Survivor
Mon Jan 22, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 55
Views: 5660

Re: Letter from Social Security re Fraudulent Claim

If you haven't already, register for online access to www.ssa.gov This gives you online access to your SSA account, whether or not you started benefits. It gives you access to your (future) benefit letter, which you can generate any time. It will also help you determine whether someone else has reg...
by Small Law Survivor
Mon Jan 22, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 55
Views: 5660

Re: Letter from Social Security re Fraudulent Claim

Final update on this: Went to SSA today and met with SSA employee. Someone made a claim for social security on my ss number. SSA caught it (very quickly - within a few days). The grifter had my ss number (who knows how?), but had my phone number, email, home address, work status and marital status w...
by Small Law Survivor
Mon Jan 22, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Social Security website
Replies: 10
Views: 1079

Re: Social Security website

8:30 a.m. E.S.T. Monday morning:

"We are sorry, but this service is not available at this time"
by Small Law Survivor
Sun Jan 14, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 8318

Re: Heading for a top?

But are we heading for a "melt up"? Bracing Yourself for a Possible Near-Term Melt-Up Jeremy Grantham https://www.gmo.com/docs/default-source/research-and-commentary/strategies/asset-allocation/viewpoints---bracing-yourself-for-a-possible-near-term-melt-up.pdf "I made my money by selling too soon" B...