Search found 672 matches

by Good Listener
Tue Jul 16, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: The exact month to begin receiving Social Security benefits for the maximum.
Replies: 42
Views: 2688

Re: The exact month to begin receiving Social Security benefits for the maximum.

I don't care about the date of the payment, just the month. To be clear, my birthday is November 24th. Do I file to begin benefits for November 1 or December 1 for absolute maximum benefits
by Good Listener
Sun Jul 14, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: The exact month to begin receiving Social Security benefits for the maximum.
Replies: 42
Views: 2688

The exact month to begin receiving Social Security benefits for the maximum.

This is a somewhat obsessive question but in a few years I will be starting Social Security when I hit 70. It is not clear to me exactly when maximum benefits are achieved. So if I turn 70 in the month of November, when do I when do I ask to start Social Security benefits when I file, in November or...
by Good Listener
Fri Jul 05, 2019 8:00 pm
Forum: Personal Investments
Topic: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?
Replies: 111
Views: 5842

Re: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?

Why would we argue with somebody coming to the site at bogleheads and saying he's going to get rid of the underperforming stocks and question that. I think o p should do whatever he wishes and then compare it to the index and let us know in five years. And he can tell us how the underperforming stoc...
by Good Listener
Fri Jul 05, 2019 7:55 pm
Forum: Personal Investments
Topic: With a Pension should I start Roth versions of my Employer retirement accounts
Replies: 13
Views: 915

Re: With a Pension should I start Roth versions of my Employer retirement accounts

I think all bets are off with State pensions as to what funding will be in a bunch of years. California may be among the worst at the current rate. Be very conservative in your projections. I would anticipate tax rates will go up significantly so I would pay whatever taxes I could now. Regardless of...
by Good Listener
Fri Jul 05, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 3350

Re: buying a 60 or 65 inch tv this weekend. which one?

I would recommend not cheaping out on an infrequent purchase. The Samsung 9 series with qled and 4K is unbelievable. And there's no way you'll be keeping this TV for 15 years. Technology is changing too much. Unless you can't afford it, spend the 1600 or so and get the 65 inch 4k qled.
by Good Listener
Fri May 24, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to buy Part D if you are subject to IRMAA?
Replies: 43
Views: 2490

Re: Does it make sense to buy Part D if you are subject to IRMAA?

Yes it makes sense. I pay maximum IRMA and I assume if you are subject to IRMAA you can afford it. To wait until "you need it" is opposite the concept of insurance. I wouldn't save nickels to risk dollars.
by Good Listener
Wed Apr 17, 2019 2:34 pm
Forum: Personal Investments
Topic: Dividend Generating Portfolio for Retirement
Replies: 8
Views: 1193

Re: Dividend Generating Portfolio for Retirement

We have to wait and see what happens. I am 60/40 with most in taxable and use the Total stock market index for stocks (international in Ira/Roth) and municipal bond fund exclusively. I am very concerned too about what I am hearing and dont think we should make a change yet. However the loss of prefe...
by Good Listener
Mon Apr 15, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is it a no brainier to donate appreciated shares to a charity?
Replies: 13
Views: 1505

Is it a no brainier to donate appreciated shares to a charity?

I have received help on a separate thread about procedural aspects of gifting shares. This is a different question and applies whether I use a donor-advised fund or a direct gift of shares from my vanguard mutual fund account to a charity. I have a Vanguard money market fund and a stock fund (TSM) w...
by Good Listener
Mon Apr 15, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting mutual fund shares to a charity from Vanguard
Replies: 12
Views: 871

Re: Gifting mutual fund shares to a charity from Vanguard

OP, good on you for wanting to do good and make good at the same time! I was in exactly the same boat in 2017. I hadn't yet set up a DAF, and while the DAF-related posts above are correct and well-intended, perhaps you're not there yet and don't have the time/energy to get educated about DAF set-up...
by Good Listener
Sat Apr 13, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Gifting mutual fund shares to a charity from Vanguard
Replies: 12
Views: 871

Re: Gifting mutual fund shares to a charity from Vanguard

Thank you for the responses so far. To the questions for me: yes, it is not for 2018. If it seems urgent, it's only because my personality is such that when I want to try to get an answer I usually like to get it right away. As far as using the donor advised fund, I actually am going to do that but ...
by Good Listener
Sat Apr 13, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Gifting mutual fund shares to a charity from Vanguard
Replies: 12
Views: 871

Gifting mutual fund shares to a charity from Vanguard

All of their offices are closed over the weekend and I am trying to figure out something. (I will call them Monday but I'm hoping to get a head start on this information?) I am going to donate shares to a charity using appreciated shares in my total stock market index fund. It looks like one needs t...
by Good Listener
Thu Apr 04, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Best friend in sticky situation with Medicare Part B.
Replies: 7
Views: 1323

Best friend in sticky situation with Medicare Part B.

My best friend of 60 years is 67. He signed up for Medicare Part A at age 65 and deferred Part B because he was still working and had excellent insurance from his state job. He recently retired and the state coverage ended at the end of March 2019. (It is now April 4, 2019) There is a process whereb...
by Good Listener
Sun Feb 17, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1334
Views: 136840

Re: Personal favorite TV/cable series

I just started binging Banshee from Cinemax. I've binged most of the other known famous ones over the last 2 years since retiring. Banshee is very brutal in some parts and has a bit too much sex for my taste. But if you like MMA type fighting (although it is not actual fighting in the ring but ofte...
by Good Listener
Fri Feb 15, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1334
Views: 136840

Re: Personal favorite TV/cable series

I just started binging Banshee from Cinemax. I've binged most of the other known famous ones over the last 2 years since retiring. Banshee is very brutal in some parts and has a bit too much sex for my taste. But if you like MMA type fighting (although it is not actual fighting in the ring but often...
by Good Listener
Sun Feb 10, 2019 3:38 pm
Forum: Personal Investments
Topic: Leaving Advisor - Ethics Question? [Resolved]
Replies: 50
Views: 2881

Re: Leaving Advisor - Ethics Question?

I am disappointed that Steve would do this. He is taking up the advisor's time and benefitting from his/her advice when he fully intends to leave the advisor. I think it is unethical at the least. But he has to sleep with his actions and maybe he is comfortable doing things like this.
by Good Listener
Sun Feb 10, 2019 3:38 pm
Forum: Personal Investments
Topic: Leaving Advisor - Ethics Question? [Resolved]
Replies: 50
Views: 2881

Re: Leaving Advisor - Ethics Question?

I am disappointed that Steve would do this. He is taking up the advisor's time and benefitting from his/her advice when he fully intends to leave the advisor. I think it is unethical at the least. But he has to sleep with his actions and maybe he is comfortable doing things like this.
by Good Listener
Sun Feb 10, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Is General Practitioner [billing Medicare correctly?]
Replies: 88
Views: 3676

Re: Is General Practitioner [billing Medicare correctly?]

the doctor did OP afavor. The Medicare wellness visit is extremely limited and really does not involve any physical exam except blood pressure, so by adding a diagnostic code for the other symptom then Medicare covers that. Otherwise your doctor could not discuss anything. I have no idea what co-pa...
by Good Listener
Wed Feb 06, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Is General Practitioner [billing Medicare correctly?]
Replies: 88
Views: 3676

Re: Is General Practitioner [billing Medicare correctly?]

the doctor did OP afavor. The Medicare wellness visit is extremely limited and really does not involve any physical exam except blood pressure, so by adding a diagnostic code for the other symptom then Medicare covers that. Otherwise your doctor could not discuss anything. I have no idea what co-pay...
by Good Listener
Sun Jan 20, 2019 3:26 pm
Forum: Investing - Theory, News & General
Topic: Actionable information in order to invest in physical gold
Replies: 25
Views: 1364

Re: Actionable information in order to invest in physical gold

OP. I wouldn't waste your time. Meaning, let's assume the crazy and that gold goes up 10 x in value in 20 years. The effect on your portfolio with a 1% allocation is a max of 1% assuming nothing else grew at all. The spreads buying and selling will come into play under more likely scenarios. To have...
by Good Listener
Sun Jan 20, 2019 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 94
Views: 7963

Re: Should I buy a house in the Bay area or give up?

A young guy (I am making an assumption) should not buy a house when single. If you pair up you may need a larger house especially if kids are planned. And at the salary level you have (great everywhere except San Francisco, NYC, Boston) you cannot possibly afford an 800k house. Just rent until you ...
by Good Listener
Thu Jan 17, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 94
Views: 7963

Re: Should I buy a house in the Bay area or give up?

A young guy (I am making an assumption) should not buy a house when single. If you pair up you may need a larger house especially if kids are planned. And at the salary level you have (great everywhere except San Francisco, NYC, Boston) you cannot possibly afford an 800k house. Just rent until you s...
by Good Listener
Thu Jan 17, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion
Replies: 36
Views: 3137

Re: Roth conversion

I am still taking the time to figure this out for my situation. I do plan to do some conversion, as if I leave my tax deferred accounts as is I will face large RMDs in 2028, when I turn 70.5. Coupled with my pension, SS, and earnings for my taxable accounts, it likely would push us up a tax bracket...
by Good Listener
Sun Jan 13, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: When and how to report income
Replies: 12
Views: 878

Re: When and how to report income

How much income are we talking about per year? Do the other folks know he is compensating himself?
by Good Listener
Sun Jan 13, 2019 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Dropping collision insurance on auto policy for older car?
Replies: 25
Views: 2184

Re: Dropping collision insurance on auto policy for older car?

I would drop the collision. I would keep the comprehensive even if not worth it because if my car is stolen I want a partner to help me navigate the system.
by Good Listener
Sat Jan 12, 2019 7:47 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 200
Views: 16065

Re: Biggest Investment Mistake

aspirit wrote:
Fri Jan 11, 2019 9:32 pm
RJC wrote:
Fri Jan 11, 2019 8:40 pm
Good Listener wrote:
Fri Jan 11, 2019 6:22 pm
The second marriage. :oops:
:shock:
:P The first marriage went well then eh?
Well it lasted longer.
by Good Listener
Sat Jan 12, 2019 5:06 pm
Forum: Personal Investments
Topic: 4 cents left in traditional IRA after Backdoor Roth
Replies: 19
Views: 1900

Re: 4 cents left in traditional IRA after Backdoor Roth

This is standard for a backdoor roth. Just convert it all.
by Good Listener
Fri Jan 11, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion
Replies: 36
Views: 3137

Re: Roth conversion

See PM.
by Good Listener
Fri Jan 11, 2019 6:22 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 200
Views: 16065

Re: Biggest Investment Mistake

The second marriage. :oops:
by Good Listener
Fri Jan 11, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6811

Re: USPS price increase on 1/27/19

Unfortunately my 91 year old mother learned about this. So I am going to have to do online bill pay for her as she writes more checks than the treasury.... $10 here and there for charities all the time. She said it will now cost too much. I think this is a bad move by USPS as it will drive more peo...
by Good Listener
Sun Jan 06, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6811

Re: USPS price increase on 1/27/19

Unfortunately my 91 year old mother learned about this. So I am going to have to do online bill pay for her as she writes more checks than the treasury.... $10 here and there for charities all the time. She said it will now cost too much. I think this is a bad move by USPS as it will drive more peop...
by Good Listener
Sat Jan 05, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Keeping old statements from closed accounts
Replies: 22
Views: 1954

Re: Keeping old statements from closed accounts

Given that you have said that it is all pretax, I see no point in keeping any of the annual or quarterly statements. I have a piece of paper on which I wrote the name and number of all closed accounts and what I did with them (all were transferred to my Vanguard IRA) but it's for historical memory a...
by Good Listener
Sat Jan 05, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Windows 10 / Office 2019 headache
Replies: 24
Views: 1647

Re: Windows 10 / Office 2019 headache

I have had no real problems with Win 10 for the last few years. However, if you want to stick with Win 7 you could get Libre Office instead of MS Office: https://www.libreoffice.org/download/download/. It can do pretty much anything the expensive MS suite can. I ran into similar problems as OP. I d...
by Good Listener
Mon Dec 31, 2018 7:39 pm
Forum: Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1697

Re: Anyone else in frontier markets?

So you have 4% of your assets in frontier markets. And the purpose is.... to play?
by Good Listener
Sat Dec 29, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to afford a sports car?
Replies: 128
Views: 9310

Re: How to afford a sports car?

I think the best way to afford it is not to get it. Unless you are expecting a big inheritance, you need to save for your future. I suggest you consider rethinking your priorities and consider whether having a sportscar now will help you later. Good luck.
by Good Listener
Sat Dec 29, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is this budget lean enough?
Replies: 31
Views: 2168

Re: Is this budget lean enough?

I'm not exactly being responsive but adding a twist..This is supertight if you have a reasonably good income and much too much if you make minimum wage. Four people are being supported by 1. If the other adult is not handicapped, having that person earn something would go a long way to easing the di...
by Good Listener
Sat Dec 29, 2018 3:27 pm
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 142
Views: 8935

Re: My favorite Boglehead posters

I add:
Victoria F
Dodecahedron

What happened to SS critic? He was great.
by Good Listener
Thu Dec 27, 2018 8:38 pm
Forum: Investing - Theory, News & General
Topic: Why not go all small cap value for equities?
Replies: 72
Views: 4621

Re: Why not go all small cap value for equities?

I think it is a waste of time. Eveven taxwise, the distributions are much less qualified than TSM. . Yes some studies show it helps and then the day you do it, it won't anymore. If it was so easy then people would only buy SCV. In fact, to the extent that there are enough dollars tilting now, it wil...
by Good Listener
Wed Dec 26, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing Part D Medicare Plan
Replies: 15
Views: 1368

Re: Choosing Part D Medicare Plan

I much prefer that so one doesnt have to wait a week for USPS and worry if it gets there. The website shows you both mail order and retail costs and you can see if they differ. If you get a 90 day supply you can refill/renew sooner than 90 days leaving plenty of time for the drugs to arrive before ...
by Good Listener
Wed Dec 26, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing Part D Medicare Plan
Replies: 15
Views: 1368

Re: Choosing Part D Medicare Plan

I think what they put for estimated annual price has some obscure assumptions and is not simply what you will pay if you take your meds. But when I worked through the math last year, the order of cheapest to most expensive for me ended up being about the same. Make sure your Pharmacy/Pharmacies are...
by Good Listener
Wed Dec 26, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: 12/26/2018 is why you don't want to TLH to cash
Replies: 14
Views: 1494

Re: 12/26/2018 is why you don't want to TLH to cash

Although I dont TLH or sell anything, people who do would be well advised to read this post.
by Good Listener
Mon Dec 24, 2018 8:38 pm
Forum: Personal Investments
Topic: Help Requested on Manual Tax Loss Harvesting
Replies: 15
Views: 677

Re: Help Requested on Manual Tax Loss Harvesting

Your answer to 2) brings to mind a question I keep forgetting to ask. Let's say somebody is not familiar with the idea that buying a dividend is bad. So they buy Total stock market fund in early December, The dividend is paid a few weeks later in December and then the 1099-div they get in January w...
by Good Listener
Mon Dec 24, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing Part D Medicare Plan
Replies: 15
Views: 1368

Re: Choosing Part D Medicare Plan

What I did was put in my drugs and sort by lowest total price. If her 2 drugs are generic, then the costs of the drugs are likely minimal (and you can check that at the medicare.gov site) in which case go with the lowest premium. All in all, the part d cost is relatively tiny and the IRMAA swamps th...
by Good Listener
Mon Dec 24, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 ES - Non-Equal Payments - ok?
Replies: 24
Views: 1226

Re: 1040 ES - Non-Equal Payments - ok?

This is great info and I've learned a lot. I do have one question though about the official IRS wording on this and my situation in particular. As an earlier poster wrote, the exact quote from IRS.gov said: Generally, most taxpayers will avoid this penalty if they either owe less than $1,000 in tax...
by Good Listener
Mon Dec 24, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 ES - Non-Equal Payments - ok?
Replies: 24
Views: 1226

Re: 1040 ES - Non-Equal Payments - ok?

I make completely uneven payments. As unequal as possible actually: x,0,0,0. I hate doing transactions and as such often do things for convenience that economically are nonsensical. So for the federal income tax for example, I calculate 110% of the prior years taxes when I file in February and then ...
by Good Listener
Mon Dec 24, 2018 6:55 pm
Forum: Personal Investments
Topic: Help Requested on Manual Tax Loss Harvesting
Replies: 15
Views: 677

Re: Help Requested on Manual Tax Loss Harvesting

1. No, you are not selling the right amount. You need to sell ALL shares of SCHB in order to maximum tax savings even if those tax savings happen over 2 years. 2. No. Don't worry about dividends as thinking about them right now is a red herring. A question for you: SCHB paid some dividends, right? ...
by Good Listener
Sat Dec 22, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Investing In Short Time Horizons
Replies: 44
Views: 3237

Re: Larry Swedroe: Investing In Short Time Horizons

A few questions/thoughts for Random Walker.... Whether I agree or disagree with you (although I dont know enough to do either), you present the information in a way indicating that you are very, very familiar and knowledgeable (I mean that as a compliment). So why would you pay anybody to implement...
by Good Listener
Fri Dec 21, 2018 6:17 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Investing In Short Time Horizons
Replies: 44
Views: 3237

Re: Larry Swedroe: Investing In Short Time Horizons

A few questions/thoughts for Random Walker.... Whether I agree or disagree with you (although I dont know enough to do either), you present the information in a way indicating that you are very, very familiar and knowledgeable (I mean that as a compliment). So why would you pay anybody to implement ...
by Good Listener
Fri Dec 21, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: This is why I'm wary of buying stocks on a bad Friday
Replies: 22
Views: 4100

Re: This is why I'm wary of buying stocks on a bad Friday

You appear to understand statistics. If you remove the word ONLY before 47% then we have a mean of -0.35 with a SD of 2.35 and up 47% of the time. Therefore it is essentially an even chance on any given Monday and you would need to make the play probably 100 times to show an advantage.