Search found 3332 matches

by neilpilot
Fri Sep 18, 2020 4:51 pm
Forum: Personal Investments
Topic: Guidance for breaking the news to our financial advisor
Replies: 26
Views: 1650

Re: Guidance for breaking the news to our financial advisor

My spouse and I are newly retired with no debt and no children. Over the past several months we have come to the decision to move our portfolio to Vanguard to reduce fees (we're paying 0.9%) and simplify our investments.......... I assume that the 0.9% your paying him is an advisory fee. Have you t...
by neilpilot
Wed Sep 16, 2020 7:58 am
Forum: Personal Consumer Issues
Topic: Furnace / Air Maintenance and Covid-19?
Replies: 15
Views: 909

Re: Furnace / Air Maintenance and Covid-19?

I've owned 5 homes since 1975, and my current home has 3 HVAC units. I've have never had annual furnace maintenance other than DIY (light pilot if needed and change air filters). So far I don't think I've had issues resulting from my lack of "annual maintenance".
by neilpilot
Tue Sep 15, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4705

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

I went in yesterday to renew my license, opting for RealID. It was easy and simple. I had my passport, current driver's license and a 1099 showing full social security number and address. That was enough in my state. I will be doing the same soon (license expired in May), but from what I am hearing...
by neilpilot
Tue Sep 15, 2020 1:57 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2400
Views: 399201

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Will just throw a kink - M1finance posted IRA transfer-in bonus to regular Brokerage account ! Will see end of year how they treat it (1099 or not). Wish they simply posted into IRA account itself -- which is what major brokerage appear to do .. keeping it simple, Tax-neutral for the filing year .....
by neilpilot
Tue Sep 15, 2020 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Revocable Trust & Beneficary Designation
Replies: 7
Views: 579

Re: Revocable Trust & Beneficary Designation

BTW tax deferred accounts such as traditional & Roth IRAs should NOT be titled to the revocable trust, and should have a designated beneficiary.
by neilpilot
Mon Sep 14, 2020 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Revocable Trust & Beneficary Designation
Replies: 7
Views: 579

Re: Revocable Trust & Beneficary Designation

If an account is in the name of the trust, than the beneficiaries are already in place in the trust so long as the trust isn't dissolved. No need to also have a beneficiary appear on the account.
by neilpilot
Mon Sep 14, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Part D Medicare
Replies: 15
Views: 1034

Re: Part D Medicare

Yes. What often happens also is that someone picks a Part D plan and never goes back during open enrollment each year to determine whether a different plan is now a better option. And sometimes, perhaps for convenience, couples pick the same plan for both individuals even though their needs are ver...
by neilpilot
Mon Sep 14, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4705

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

I haven't read all the posts in this thread. This is a heads-up to both the OP and others. DONT LAMINATE your SS card if you want to get a Real ID license! (And especially if you live in MA.) I had to make an extra trip to the RMV because my SS (the original one I got when Inwas 14) is laminated. T...
by neilpilot
Mon Sep 14, 2020 12:57 pm
Forum: Personal Investments
Topic: How to calculate expense ratio?
Replies: 4
Views: 209

Re: How to calculate expense ratio?

Portfolio ER is a simple weighted average. Example: 40% Vanguard 500 Index Adm (VFIAX) (0.04%) 10% Vanguard Developed Mkts Adm (VTMGX) (0.07%) 10% Vanguard Emerging Mkts Adm (VTMGX) (0.14%) 40% Vanguard Total Bond Mkt (VBTLX) (0.05%) So overall ER = .4 x .04% + .1 x .07% + .1 x .14% + .4 x .05% = 0....
by neilpilot
Sat Sep 12, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: Subaru Outback, oil leak?
Replies: 40
Views: 1957

Re: Subaru Outback, oil leak?

Never trust supposed oil leak diagnosis from any National chain oil, tire or battery places. These places bonus their technicians to "discover" issues and then up sell additional repairs. +1 My Firestone story: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=224010&p=3461080&hilit=firestone#p...
by neilpilot
Thu Sep 10, 2020 7:20 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2400
Views: 399201

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Leesbro63 wrote: Thu Sep 10, 2020 5:46 am I just did a TD Ameritrade transfer (in) and the fine print says the transferred amount must remain in the account for 12 months. But it doesn't say when the bonus posts. Anyone know?
I’ve received several bonuses with TDA and they typically appeared in 1-2 weeks.
by neilpilot
Thu Sep 10, 2020 7:16 am
Forum: Personal Consumer Issues
Topic: Saving on flight schools!
Replies: 20
Views: 1916

Re: Saving on flight schools!

Also be aware that there are different types of flying “clubs”. A flight school can offer a “club”, which will be for-profit and offer lower rates than direct rentals. At the other end of the spectrum, a group of pilots might form a club and owns one or more aircraft, and offer a similar training op...
by neilpilot
Wed Sep 09, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: Very slow shower drain, plumber couldn't fix, ideas? - Update
Replies: 77
Views: 6146

Re: Very slow shower drain, plumber couldn't fix, ideas?

Dottie57 wrote: Wed Sep 09, 2020 4:54 pm
Bingo!

Try Roto Rooter, Roto rooter is able to clear tree roots. They opened badly clogged drains in parents house.
Good idea if you think roots are blocking the 2nd floor tub drain. Otherwise, not a good approach.
by neilpilot
Wed Sep 09, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 51
Views: 9315

Re: Capital One Bank bonus $450

MTZ wrote: Wed Sep 09, 2020 12:01 pm haven't seen mine yet.. When are they obligated to pay it out by I wonder?
Discussed several times already viewtopic.php?p=5465764#p5465764
by neilpilot
Wed Sep 09, 2020 8:00 am
Forum: Personal Consumer Issues
Topic: What do you guys think of oil extractors?
Replies: 67
Views: 2953

Re: What do you guys think of oil extractors?

It works great on one of my cars. It does not work so well on the other (must be due to oil pan configuration, it only extracts about 2/3 of the pan). I'm going to try it on some small motors, I'm guessing it will work fine there. Even an incomplete oil change is better than no oil change. The extr...
by neilpilot
Wed Sep 09, 2020 5:49 am
Forum: Personal Consumer Issues
Topic: Trip to Key West
Replies: 25
Views: 2425

Re: Trip to Key West

Hello! This is my first post. Our cruise through the Panama Canal this November is cancelled.(sigh) So we decided to take the RV and do a road trip. Our plan is to go to Key West and stay at a campground. We are thinking about renting a car for our day trips. My question is how bad is parking in Ke...
by neilpilot
Wed Sep 09, 2020 5:45 am
Forum: Personal Consumer Issues
Topic: Online cheap eyeglass prescription lenses...
Replies: 24
Views: 2038

Re: Online cheap eyeglass prescription lenses...

Just ordered progressives from Eyebuydirect due to their warranty and the price was excellent. Interesting that they didn't require an upload/verification of my current prescription...I just entered the numbers and that was it. That's a first. Just to be clear, this thread is about lenses for exist...
by neilpilot
Tue Sep 08, 2020 3:52 pm
Forum: Personal Investments
Topic: Father received large sum from the passing of his mother - he (I) needs guidance
Replies: 18
Views: 2334

Re: Father received large sum from the passing of his mother - he (I) needs guidance

Does/will he need the money? If it is meant to go to his kids and he will probably never need it, why not start gifting $15k a year to each? Actually, the federal gift tax exemption is currently over $11M if he’s single. So except for having to fill out the gift form, unless there’s a state tax con...
by neilpilot
Tue Sep 08, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Trip to Key West
Replies: 25
Views: 2425

Re: Trip to Key West

Unless there’s an event I’m not aware of, parking in November shouldn’t be too bad. However Key West is pretty compact and walking or bikes might be all you need.
by neilpilot
Tue Sep 08, 2020 2:47 pm
Forum: Personal Investments
Topic: Father received large sum from the passing of his mother - he (I) needs guidance
Replies: 18
Views: 2334

Re: Father received large sum from the passing of his mother - he (I) needs guidance

Does/will he need the money? If it is meant to go to his kids and he will probably never need it, why not start gifting $15k a year to each? Actually, the federal gift tax exemption is currently over $11M if he’s single. So except for having to fill out the gift form, unless there’s a state tax con...
by neilpilot
Tue Sep 08, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: What do you guys think of oil extractors?
Replies: 67
Views: 2953

Re: What do you guys think of oil extractors?

The mightyvac extractor works decently, but you have to make sure that the rubber plugs that join the extracting tubes stay tight against the tubes so that you're sucking oil and not sucking air. I've had to put a hose clamp on those plugs to make sure they are tight enough. It takes more pumping a...
by neilpilot
Tue Sep 08, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: What do you guys think of oil extractors?
Replies: 67
Views: 2953

Re: What do you guys think of oil extractors?

The mightyvac extractor works decently, but you have to make sure that the rubber plugs that join the extracting tubes stay tight against the tubes so that you're sucking oil and not sucking air. I've had to put a hose clamp on those plugs to make sure they are tight enough. It takes more pumping a...
by neilpilot
Sun Sep 06, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: "Hobby" Money: Planes, cars, boats etc...
Replies: 113
Views: 7065

Re: "Hobby" Money: Planes, cars, boats etc...

BalancedJCB19 wrote: Sun Sep 06, 2020 11:15 am I love walking. It's pretty much free until I have to replace my legs.
Sounds good. I’ll just fly over to the islands. Once you walk over we can meet up for a beer. :sharebeer
by neilpilot
Sun Sep 06, 2020 10:57 am
Forum: Personal Consumer Issues
Topic: "Hobby" Money: Planes, cars, boats etc...
Replies: 113
Views: 7065

Re: "Hobby" Money: Planes, cars, boats etc...

I own a 1/10 share of a Cessna 172. $85/mo and $70/hr wet on the tach. Airplane flies less than 100 hours a year and is almost always available. Well worth the monthly fee, even if I go a while in between flying it. I don't fly enough to justify owning one outright. I highly recommend seeking out a...
by neilpilot
Sat Sep 05, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: geico stillwater home insurance and fees
Replies: 7
Views: 572

Re: geico stillwater home insurance and fees

Geico doesn’t underwriter homeowners insurance. So aren’t they just the broker for Stillwater?
by neilpilot
Sat Sep 05, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to tell if irs got my amended return?
Replies: 7
Views: 627

Re: How to tell if irs got my amended return?

IRS site specifically for 1040X: https://sa.www4.irs.gov/wmar/notice</a>&nbsp;&nbsp

They received mine on 4/3 and it remains to be processed
by neilpilot
Sat Sep 05, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: advice for light switch timer
Replies: 44
Views: 1727

Re: advice for light switch timer

I installed a timer switch in the bathroom to time the exhaust fan. We want it to run after we leave the room and we were forgetting to go back to turn it off. It is similar to the timer switch you see in hotel bathrooms. It has worked flawlessly for 14 years now. It was a direct swap out for the r...
by neilpilot
Sat Sep 05, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: advice for light switch timer
Replies: 44
Views: 1727

Re: advice for light switch timer

What type of bulb and fixture? Something like this might work

https://www.amazon.com/Sensor-Lights-Li ... B076CN463G
by neilpilot
Wed Sep 02, 2020 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Maximum Earnings When Taking Medicare
Replies: 4
Views: 751

Re: Maximum Earnings When Taking Medicare

https://www.medicareinteractive.org/get-answers/medicare-health-coverage-options/original-medicare-costs/part-b-costs-for-those-with-higher-incomes#:~:text=The%20Medicare%20Income%2DRelated%20Monthly,you%20and%20your%20spouse's)%20IRMAA. You can search IRMAA in Bogelheads for all the twist & turns. ...
by neilpilot
Wed Sep 02, 2020 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Currently receiving spousal SS benefit from restricted application. Can I apply online for my own benefit at age 70?
Replies: 8
Views: 599

Re: Currently receiving spousal SS benefit from restricted application. Can I apply online for my own benefit at age 70?

I had been receiving spousal benefits and was able to file online in Mar 2020. This was done with an online application and a follow up phone call from SSA about 1 week later. My benefits started with the March benefit, paid as usual a month later in April. It would have gone down without a hitch ex...
by neilpilot
Wed Sep 02, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Taxable Account Question?
Replies: 13
Views: 944

Re: Taxable Account Question?

A withdrawal from your taxable account is not taxed. What is taxed would be any equity sale in the account that resulted in a capital gain. Those gains, if long term (held more than 1 year), would be taxed at the lower capital gains rate.
by neilpilot
Wed Sep 02, 2020 5:41 am
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4705

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

TravelGeek wrote: Tue Sep 01, 2020 10:24 pm
neilpilot wrote: Tue Sep 01, 2020 1:40 pm I'd guess that many Bogelheads will likely find it easier to grab a 1099 from TY2019 than to dig our their SS cards.
Sure, the e-delivered 1099s are right here on my computer. Will they accept a home-printed document, though? :twisted:
They did in our case
by neilpilot
Tue Sep 01, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4705

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

And why, in the name of all that is good, are we not allowed to use our passports as proof of citizenship?! I had this problem in TX long ago and ended up sitting in the SS office for an hour or two, on top of the DMV time. Really? Passports are accepted as an alternative to a Real ID compliant dri...
by neilpilot
Tue Sep 01, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4705

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

Hello, My wife's driver's license expired and she needs to get it renewed. Here in TN, a few of us with recently expired DLs had the option of continuing to drive using their expired license. Per the TN website, "licenses set to expire between March 12, 2020, and June 29, 2020, will be delayed to e...
by neilpilot
Tue Sep 01, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4705

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

Why doesn't she request a replacement card? Does she have any tax statements from interest or dividends from last year? And why, in the name of all that is good, are we not allowed to use our passports as proof of citizenship?! I had this problem in TX long ago and ended up sitting in the SS office...
by neilpilot
Mon Aug 31, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Nest thermostat question
Replies: 12
Views: 960

Re: Nest thermostat question

If your AC was shut down for an extended period, an otherwise serviceable Nest will loose power. Suggest you search the internet for support.

https://www.youtube.com/watch?v=IknyU9Pnf6w
by neilpilot
Sun Aug 30, 2020 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: What do Americans really do about cable and homeowners insurance?
Replies: 51
Views: 4441

Re: What do Americans really do about cable and homeowners insurance?

As for insurance, you often can't just change your home insurance, you need to change the entire package to get a lower net rate. I've found that sometimes what I'd gain in the home insurance I'd lose in the auto insurance. I used to believe that as well. Then I shopped and asked for a separate pri...
by neilpilot
Sun Aug 30, 2020 3:19 pm
Forum: Personal Consumer Issues
Topic: replacement car key and fob
Replies: 23
Views: 1515

Re: replacement car key and fob

planetmike wrote: Sun Aug 30, 2020 3:18 pm A lot of more modern vehicles use equipment inside the key to pair with the car ignition. Without the correct pairing, the car won't start. The key will unlock the door, and turn the starter over, but won't engage so the car won't start.
Very true, but not relevant to the OP's 2012 Forester.
by neilpilot
Sun Aug 30, 2020 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: What do Americans really do about cable and homeowners insurance?
Replies: 51
Views: 4441

Re: What do Americans really do about cable and homeowners insurance?

As for insurance, you often can't just change your home insurance, you need to change the entire package to get a lower net rate. I've found that sometimes what I'd gain in the home insurance I'd lose in the auto insurance. I used to believe that as well. Then I shopped and asked for a separate pri...
by neilpilot
Sun Aug 30, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 51
Views: 9315

Re: Capital One Bank bonus $450

$500 showed up today. Can I close the account now or should I wait? I have no direct experience with when it's safe to transfer your money out and/or close the account (I'm keeping the money in for now as the Performance Savings yield is better than my other options). What I've heard is that unless...
by neilpilot
Sun Aug 30, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: replacement car key and fob
Replies: 23
Views: 1515

Re: replacement car key and fob

Rather than ACE hardware at half the price, you might consider a less expensive route.

https://www.amazon.com/2011-2012-Forest ... B074V8NVDQ
by neilpilot
Sun Aug 30, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: Good quality Garage Door Keypads
Replies: 17
Views: 1452

Re: Good quality Garage Door Keypads

No experience with a remote keypad, but assuming users have smartphones there are devices that eliminate the outdoor mounting that can result in weather damage of any keypad. Here's one of several: https://www.amazon.com/Garage-Opener-Remote-Compatible-Assistant/dp/B0823FM7Q1/ref=asc_df_B0823FM7Q1/?...
by neilpilot
Sun Aug 30, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 51
Views: 9315

Re: Capital One Bank bonus $450

Why would you expect to see the bonus today when the offer clearly states that "Bonus of $450 will appear within 60 days after 8/29/20"? I assume it's because Old Guy posted above that he got his bonus yesterday. I certainly checked my own account after seeing his post. (It's still not there.) Appl...
by neilpilot
Sun Aug 30, 2020 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 51
Views: 9315

Re: Capital One Bank bonus $450

nesdog wrote: Sun Aug 30, 2020 9:54 am Just checked...not seeing my bonus yet. I hope they didn't mess this up. :confused
Why would you expect to see the bonus today when the offer clearly states that "Bonus of $450 will appear within 60 days after 8/29/20"?
by neilpilot
Sat Aug 29, 2020 8:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5770
Views: 1379351

Re: What Movie Have You Recently Watched?

Just watched "He Was A Quiet Man", a 2020 remake on Amazon Prime Video. Surprisingly entertaining mix of romance and suspense. Still trying to understand the ending.
by neilpilot
Sat Aug 29, 2020 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: IRS processing of 2019 paper returns
Replies: 10
Views: 755

Re: IRS processing of 2019 paper returns

Not exactly what you are asking: I mailed an amended return for TY2019 on 3/31/20. It was mailed via USPS first class, with no receipt of certification.

IRS online systems indicate receipt of the return on 4/3/20, but it has not yet been processed.
by neilpilot
Sat Aug 29, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra and ObamaCare
Replies: 19
Views: 1829

Re: Cobra and ObamaCare

I told my significant other I would ask this question, so here goes. She will be 63 years old the first of November this year and is retiring on that date. She has group health insurance with her employer. Her hope is to pick up Obamacare on Jan 1, 2021 which will be 60 days from her qualifying eve...
by neilpilot
Sat Aug 29, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 278
Views: 23985

Re: Oddly Difficult to Find Items During the Pandemic

White vinegar has disappeared from the shelves here in the suburbs of DC. Are people making pickles, or are they soaking their coins in vinegar -- a very old habit, that. I don't think it does any good. We've been through shortages of bleach, flour, yeast, and rice, but they all seem to be back now...
by neilpilot
Sat Aug 29, 2020 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Receipt
Replies: 20
Views: 1385

Re: HSA Receipt

When I received a CP2000 Notice on large HSA distributions*, I only provided a subset of 1 and 2 and received notice it was closed. However, I was prepared with the required proofs, which might likely be required in an in-person audit. Would you mind sharing with us how large the distribution was t...
by neilpilot
Sat Aug 29, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance - Worst Case
Replies: 142
Views: 9507

Re: Umbrella Insurance - Worst Case

Maybe Swimmer exhibits some undisclosed risk factor? We have 2 cars and are 70, and our umbrella is $272, for $2M. So I don't consider $500 for half our policy limit as "super cheap". No, don’t believe so. I’m 70. DH is 76. No violations or accidents. One low-mileage vehicle, one golf cart, primary...