Search found 435 matches

by Swimmer
Mon Nov 23, 2020 4:24 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2287
Views: 239226

Re: [What TV Show Have You Recently Watched?]

Did anyone watch the Dolly Parton Christmas Special that started on Netflix yesterday? I’d love to hear opinions.
by Swimmer
Mon Nov 23, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Killed grass with too much fertilizer
Replies: 46
Views: 2526

Re: Killed grass with too much fertilizer

There’s St. Augustine and there’s St. Augustine Floratam. Read the fine print on the fertilizer package. Using fertilizer for St. Augustine on S.A. Floratam will kill it. I suspect this is what happened. So, it’s not the quantity you used. It’s the chemical. True—You can’t seed it but must use sod t...
by Swimmer
Mon Nov 23, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: What charity are you donating to this Christmas season?
Replies: 88
Views: 2557

Re: What charity are you donating to this Christmas season?

Just a PSA, even if you don't itemize, you can add a deduction of up to $300 ($600 MFJ) in 2020 for charitable contributions https://www.irs.gov/newsroom/how-the-cares-act-changes-deducting-charitable-contributions Thanks for posting - I was unaware of this! Here we go again....not so fast on the $...
by Swimmer
Sun Nov 22, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: What charity are you donating to this Christmas season?
Replies: 88
Views: 2557

Re: What charity are you donating to this Christmas season?

Girl Scouts Alumnae pajama and book drive for homeless kids in Central Florida SOZO Kids of the Ocala National Forest SUmter County Sheriff’s Office - Kids, Cops & Christmas- a Sumter County Sheriff Deputy takes a child to Walmart and spends $50 for items the child selects. I like this since it ...
by Swimmer
Sat Nov 21, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2287
Views: 239226

Re: [What TV Show Have You Recently Watched?]

We started the new season of The Crown, and were a bit disappointed. The acting didn't seem quite as good as previous seasons, including a couple of key characters. We put it on hold, but we will be back later. In the meantime, we stumbled upon an Australian legal/police series, " Janet King &...
by Swimmer
Fri Nov 20, 2020 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Another above-the-line charitable contributions thread
Replies: 8
Views: 707

Re: Another above-the-line charitable contributions thread

Per the draft 1040 instructions: “ Enter the total amount of your contributions on line 10b. Don't enter more than $300.” It is very clear. I agree, but can you see the many thousands who received false information from OPM? Incompetence. Unacceptable. I guess I’m frustrated because so few do their...
by Swimmer
Fri Nov 20, 2020 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Another above-the-line charitable contributions thread
Replies: 8
Views: 707

Another above-the-line charitable contributions thread

I know this has been discussed ad nauseum and (I think) after reviewing IRS code the final decision was that up to $300 charitable contributions can be claimed on 1040 per TAXING UNIT for those claiming standard deduction. Well, as I Fed retiree, I received an email from OPM yesterday. This is the p...
by Swimmer
Thu Nov 19, 2020 5:06 pm
Forum: Investing - Theory, News & General
Topic: Fed up With Flagship
Replies: 283
Views: 18008

Re: Fed up With Flagship

From a thread started this morning: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=330336 Yesterday I was in the process of doing a rebalancing transaction in my Vanguard IRA when a message appeared on my screen “reminding” me that I was required to take an RMD of X$ by December 31, 2020...
by Swimmer
Thu Nov 19, 2020 4:08 pm
Forum: Forum Issues and Administration
Topic: Thank you, moderators!
Replies: 54
Views: 4448

Re: Thank you, moderators!

All so true! Thanks, mods.
by Swimmer
Mon Nov 16, 2020 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a 100k paycut for a less stressful job?
Replies: 76
Views: 6159

Re: Taking a 100k paycut for a less stressful job?

Just curious....why did you choose to be an ER doc? Or were you in a situation where it wasn’t your choice?
by Swimmer
Mon Nov 16, 2020 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a 100k paycut for a less stressful job?
Replies: 76
Views: 6159

Re: Taking a 100k paycut for a less stressful job?

OP, you may have mentioned it and I missed it, but how difficult is it to switch from ER to a less stressful specialty? Have you considered this?
by Swimmer
Mon Nov 16, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a 100k paycut for a less stressful job?
Replies: 76
Views: 6159

Re: Taking a 100k paycut for a less stressful job?

You are a doctor, how do you see the stress affecting you? Suppose your wife was in your situation, how would you advise her? The downside of taking a pay cut seems way less than the upside, especially when your wife finishes residency. Broken Man 1999 I would tell my wife to take it easy. But i al...
by Swimmer
Sun Nov 15, 2020 3:31 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2287
Views: 239226

Re: [What TV Show Have You Recently Watched?]

“Anne with an E” on Netflix. Heartwarming, sweet and no mass murder. Watch it with the kids or grands.
by Swimmer
Wed Oct 28, 2020 3:50 pm
Forum: Personal Investments
Topic: Vanguard’s new Target 529s
Replies: 5
Views: 418

Re: Vanguard’s new Target 529s

Wait. Wouldn’t the age 12-13 be even more aggressive?
by Swimmer
Wed Oct 28, 2020 3:49 pm
Forum: Personal Investments
Topic: Vanguard’s new Target 529s
Replies: 5
Views: 418

Re: Vanguard’s new Target 529s

Ooh. Thanks! I missed that. Will revisit.
by Swimmer
Wed Oct 28, 2020 2:08 pm
Forum: Personal Investments
Topic: Vanguard’s new Target 529s
Replies: 5
Views: 418

Vanguard’s new Target 529s

I finally looked at the composition of these new portfolios. We had moved our 15 yo into the Conservative Age-based option. We think her time horizon is too short to be heavy in stocks. Her Conservative age-based plan would automatically be converted to the Target 529 age 15-16. Well...I was clearly...
by Swimmer
Sat Oct 24, 2020 4:33 pm
Forum: Personal Investments
Topic: If an older person has an IRA they want to roll over to their children
Replies: 12
Views: 1193

Re: If an older person has an IRA they want to roll over to their children

I’d suggest you, your father and siblings read “Beyond the Grave” before making decisions. Good luck to you and your family.
by Swimmer
Tue Oct 13, 2020 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion at 70?
Replies: 35
Views: 2951

Re: Roth conversion at 70?

Not sure whether anyone mentioned this, but any muni Tax exempt interest is factored into the $174k IRMAA cliff.
by Swimmer
Tue Oct 13, 2020 12:23 pm
Forum: Personal Investments
Topic: Silly questions about Vanguard's "tiers"
Replies: 39
Views: 5579

Re: Silly questions about Vanguard's "tiers"

I read the content on the front page about their "tiers" (Voyager, Voyager Select, Flagship, Flagship Select). My question is... what counts in the calculation (based on holdings in Vanguard Brokerage accounts)? Vanguard mutual funds and ETFs, presumably Non-Vanguard ETFs? (I hold a bunch...
by Swimmer
Sun Oct 11, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2287
Views: 239226

Re: [What TV Show Have You Recently Watched?]

Last night on Netflix, I stumbled across a documentary on Dolly Parton. Quite a remarkable lady.
by Swimmer
Thu Oct 01, 2020 3:17 pm
Forum: Personal Investments
Topic: Large inheritance advice please!
Replies: 48
Views: 8488

Re: Large inheritance advice please!

First rule: don’t tell anyone.

Congratulations. You’ll get good advice on this forum. Take your time.
by Swimmer
Thu Oct 01, 2020 3:13 pm
Forum: Personal Investments
Topic: Investing $150,000, in this day and age
Replies: 44
Views: 5143

Re: Investing $150,000, in this day and age

1. My wife and I just sold our house, and have $150,000 in proceeds. 2. We are looking to keep it intact for the next year or two. If intact is what you want then it's high-yield savings or CDs. Another way to look at is to decide how much you'll need for a downpayment and/or an adoption. Put that ...
by Swimmer
Fri Sep 25, 2020 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the max initial investment in a 529
Replies: 3
Views: 278

What’s the max initial investment in a 529

I have a friend who wants to start a 529 for his grandchild. the child is 13, so he would like to begin with as high an initial investment as possible. Can anyone tell me what that would be?
by Swimmer
Sun Sep 20, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6013
Views: 1402734

Re: What Movie Have You Recently Watched?

20 Feet From Stardom on Netflix. It's a 2013 documentary about backup singers like Darlene Love and Merry Clayton. I didn't know before watching but it gets a 99% rating on Rotten Tomatoes and an 82% audience score. Some great voices and some great video clips of the main acts they backed: Bruce, S...
by Swimmer
Fri Sep 18, 2020 5:36 pm
Forum: Investing - Theory, News & General
Topic: Questions to ask a prospective financial advisor
Replies: 112
Views: 5060

Re: Questions to ask a prospective financial advisor

Your relative does not know what he does not know. He cannot ask the questions posed here because he probably does not understand the terminology. It may be OK for a BH to ask about AUM, front end loads, 12b-1 fees, and expense ratios, comparisons to the index. However if you have not managed your ...
by Swimmer
Thu Sep 17, 2020 2:42 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 13279

Re: Grocery store didn't tell me Shingrix was $160

Big Dog wrote: Wed Sep 16, 2020 1:49 pm
Gill wrote: Wed Sep 16, 2020 1:44 pm $160 after insurance is about the going rate. I paid that for both shots.
Gill
My insurance covered my shingrix shots in full-- no copay, as did my wife's insurance.

+1
by Swimmer
Thu Sep 17, 2020 2:35 pm
Forum: Investing - Theory, News & General
Topic: Questions to ask a prospective financial advisor
Replies: 112
Views: 5060

Re: Questions to ask a prospective financial advisor

Bogleheads really tend to underestimate the difficulty of learning about investing, but through skill or luck they've arrived at what they perceive to be the correct conclusions. Other people can put in some effort to learn, but by reading the "wrong" books or listening to the "wrong...
by Swimmer
Sat Sep 12, 2020 10:35 am
Forum: Investing - Theory, News & General
Topic: Questions to ask a prospective financial advisor
Replies: 112
Views: 5060

Re: Questions to ask a prospective financial advisor

OP here. I knew I’d get excellent responses from you folks! I know he will take your advice to heart. He’s bright, and most importantly, interested in learning.
by Swimmer
Fri Sep 11, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: Questions to ask a prospective financial advisor
Replies: 112
Views: 5060

Questions to ask a prospective financial advisor

I was just speaking with a relative who called to let me know he is retiring next month. He is 64 and wife is 62. He’s been a saver all his life and has accumulated a substantial nest egg. I wasn’t aware, until today, that he has never learned basic financial/investing principles. He mentioned that ...
by Swimmer
Sat Aug 29, 2020 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance - Worst Case
Replies: 142
Views: 9978

Re: Umbrella Insurance - Worst Case

Thanks to talzara and oldfort for pushing back on the "anything can happen buy $20 million umbrella" crew Look into the Caitlyn Jenner crash. Fatal multiple-vehicle collision, evidence of negligence (pics of driver using phone) and 100M net worth of defendant. Still settled for 1M policy ...
by Swimmer
Sat Aug 29, 2020 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance - Worst Case
Replies: 142
Views: 9978

Re: Umbrella Insurance - Worst Case

I'd get a mil. Premium will be super cheap I imagine. It's catastrophic planning and for a couple hundred bucks a year I would. Super cheap? Not for us. We’re paying over $500 for $1M through Allstate. State Farm was comparable. Florida residents in our 70s. Wondering whether it’s worth it. Right. ...
by Swimmer
Fri Aug 28, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance - Worst Case
Replies: 142
Views: 9978

Re: Umbrella Insurance - Worst Case

Bobby206 wrote: Fri Aug 28, 2020 3:08 pm I'd get a mil. Premium will be super cheap I imagine. It's catastrophic planning and for a couple hundred bucks a year I would.

Super cheap? Not for us. We’re paying over $500 for $1M through Allstate. State Farm was comparable. Florida residents in our 70s. Wondering whether it’s worth it.
by Swimmer
Thu Aug 27, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 91
Views: 9401

Re: Swimming, do you? Advice sought.

I never needed to lose weight and never liked swimming except when having fun as a kid. Swimming laps in a pool for me is exceedingly boring. I guess years ago, when I read the short article below, I haven’t even been in the pool at the local gym except for a couple of times. SWIMMING IS NOT GOOD F...
by Swimmer
Thu Aug 27, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 91
Views: 9401

Re: Swimming, do you? Advice sought.

I never needed to lose weight and never liked swimming except when having fun as a kid. Swimming laps in a pool for me is exceedingly boring. I guess years ago, when I read the short article below, I haven’t even been in the pool at the local gym except for a couple of times. SWIMMING IS NOT GOOD F...
by Swimmer
Mon Aug 24, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance - Worst Case
Replies: 142
Views: 9978

Re: Umbrella Insurance - Worst Case

I’d suggest you call a few agents and explain your situation. Maybe they can come up with a good reason you should have it. I sure can’t unless you make changes to your lifestyle (like buy/drive a vehicle).
by Swimmer
Sat Aug 22, 2020 7:21 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 151
Views: 20592

Re: Vitamix Worth It?

I agonized over spending the money for a couple of years. Finally pulled the trigger and never regretted it. My kitchen is large and I keep it on the counter. It really needs to be easily accessible. I use it 2 or 3 times a day. Love it.
by Swimmer
Fri Aug 21, 2020 4:58 am
Forum: Personal Investments
Topic: Ed Slott on Morningstar’s “The Long View” Podcast
Replies: 17
Views: 2252

Re: Ed Slott on Morningstar’s “The Long View” Podcast

Thanks for the feedback, abuss and Mike Scott. That’s an important catch—about the $600 MFJ charity deduction being incorrect. I was paying close attention but maybe I heard Ed wrong. Did anyone else hear it?
by Swimmer
Thu Aug 20, 2020 6:26 pm
Forum: Personal Investments
Topic: Ed Slott on Morningstar’s “The Long View” Podcast
Replies: 17
Views: 2252

Re: Ed Slott on Morningstar’s “The Long View” Podcast

Thanks, folks. I learned something new today. Just listened to Ed. Particularly liked his take on falling off the IRMAA cliff in favor of a Roth conversion. (You’ll be mad for a year as opposed to paying higher taxes the rest of your life :D ). He also clarified the above-the-line Charity deduction ...
by Swimmer
Thu Aug 20, 2020 5:16 pm
Forum: Personal Investments
Topic: Ed Slott on Morningstar’s “The Long View” Podcast
Replies: 17
Views: 2252

Re: Ed Slott on Morningstar’s “The Long View” Podcast

I’m really behind the times, but I’ve never listened to a podcast! How would I access this podcast?
.
by Swimmer
Wed Aug 12, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 66
Views: 7487

Re: Rice Cooker

Is it worthwhile buying an expensive rice cooker such as tiger which are $300+? I have a rice cooker that seems to cook rice ok, would the tiger cook it better or something? We got ours at Aldi for about $20 several years ago.Very happy with it. We make great hard boiled eggs in the basket...also s...
by Swimmer
Wed Aug 12, 2020 12:30 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 66
Views: 7487

Re: Rice Cooker

I bought a Zojirushi a while ago, but I don't use it much at all because I bought one that is too big. I'm single and this one is rated at 6 cups. So if I try to make 1/2 a cup it doesn't turn out right. I should have gotten a 3 cup version. After that I bought a really cheap one with a stainless s...
by Swimmer
Wed Aug 12, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Naming sons as Roth primary beneficiaries
Replies: 32
Views: 2713

Re: Naming sons as Roth primary beneficiaries

To me, a bigger consideration would be if these Roths represent 10% of your (joint) portfolio or closer to 90%. I would first expect the surviving spouse to be protected. If your Roths are a large part of your portfolio, you could split them up into two pieces and just list them as beneficiaries on...
by Swimmer
Mon Aug 10, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Naming sons as Roth primary beneficiaries
Replies: 32
Views: 2713

Re: Naming sons as Roth primary beneficiaries

OP here. I should have added we decided to make sons secondary and each other primary considering the 10-year rule. We’ll keep the option to disclaim or partially disclaim. Doesn’t seem to be a down side to this strategy.
Thanks again, Bogleheads.
by Swimmer
Sat Aug 08, 2020 4:59 pm
Forum: Personal Investments
Topic: Any one having problems recieving Vanguard phone code to log in
Replies: 2
Views: 276

Re: Any one having problems recieving Vanguard phone code to log in

Had the same problem on Thursday. Waited about an hour and it worked as normal.
by Swimmer
Tue Aug 04, 2020 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Naming sons as Roth primary beneficiaries
Replies: 32
Views: 2713

Re: Naming sons as Roth primary beneficiaries

Thanks, all, for your excellent comments and suggestions. This helps a lot.
by Swimmer
Mon Aug 03, 2020 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Naming sons as Roth primary beneficiaries
Replies: 32
Views: 2713

Re: Naming sons as Roth primary beneficiaries

Thank you all for your comments and suggestions. Just one more question: if the primary (survivor) beneficiary declines to inherit, or partially declines, is it simply an administrative matter between the survivor and Vanguard or does this become a legal matter? We’re trying to make things simple.
by Swimmer
Sun Aug 02, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Naming sons as Roth primary beneficiaries
Replies: 32
Views: 2713

Naming sons as Roth primary beneficiaries

I’m throwing this possible plan out for any comments from this esteemed group. I haven’t seen this discussed previously. I’m reading “Beyond the Grave” for the second time and thinking about our inheritance plan. DH and I are retired and in our seventies, and have accumulated a net worth in the low ...
by Swimmer
Wed Jul 08, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 7930

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

On my first trip to Paris, I eyed a purple leather Longchamps wallet at a shop in CDG. I loved it. I made several trips and, each time, I stopped to admire this purple wallet. I think the price was just short of $200 which, to me, was obscene. After visiting my wallet four times and thinking about i...
by Swimmer
Wed May 20, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2287
Views: 239226

Re: [What TV Show Have You Recently Watched?]

We also tried "Schitt's Creek", and absolutely *hated* it. We tried a second episode, but couldn't even finish it. It was one of the worst things we've "tried" to watch in a very long time. I'm with you on this one! I don't think we finished the first episode. Exactly my reactio...