Search found 567 matches

by Good Listener
Mon Aug 13, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 49
Views: 6094

Re: Moving from Vanguard to Fidelity

You would have saved more if you stayed with your ex-wives and left Vanguard. /quote] Cruel, that's just cruel. :twisted: It could be viewed as cruel in a humorous way but I take it in stride and actually welcome it. It serves as a permanent reminder to avoid #3 as some men (me) aren't cut out for ...
by Good Listener
Mon Aug 13, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 49
Views: 6094

Re: Moving from Vanguard to Fidelity

Although I split with 2 ex-wives, I will never leave Vanguard. They were the first to force down the costs and I wouldn't leave them for a few basis points or some quicker phone responses. You would have saved more if you stayed with your ex-wives and left Vanguard. /quote] Cruel, that's just cruel...
by Good Listener
Mon Aug 13, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 49
Views: 6094

Re: Moving from Vanguard to Fidelity

Although I split with 2 ex-wives, I will never leave Vanguard. They were the first to force down the costs and I wouldn't leave them for a few basis points or some quicker phone responses. You would have saved more if you stayed with your ex-wives and left Vanguard. No question dollar-wise, particu...
by Good Listener
Sat Aug 11, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 49
Views: 6094

Re: Moving from Vanguard to Fidelity

Although I split with 2 ex-wives, I will never leave Vanguard. They were the first to force down the costs and I wouldn't leave them for a few basis points or some quicker phone responses.
by Good Listener
Sat Aug 11, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Buy back service time on pension
Replies: 27
Views: 1867

Re: Buy back service time on pension

I always ask why is this offer being made? To me (a person who never worked in the public sector), it reminds me of the longstanding statement that public employees get paid less salary (I'm not sure if its true anymore) in exchange for a better pension. Why? Well I figure it provides a secure feeli...
by Good Listener
Sat Aug 11, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion advice for senior
Replies: 7
Views: 590

Re: Roth conversion advice for senior

RMDs are basically kept in cash. Parent is in the 32% federal tax bracket. One heir is in the 35% federal tax bracket.... In this situation, would it make sense for a Roth conversion of some or all of the traditional IRAs? Yes. Because the actual marginal tax rate is not always the same as the tax ...
by Good Listener
Wed Aug 08, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Employer will not indemnify me cause I am retired
Replies: 56
Views: 5244

Re: Employer will not indemnify me cause I am retired

I'd think about it this way. The employees are covered. Why? You are not getting paid nor getting covered. Why not? So why would you risk anything?
by Good Listener
Tue Aug 07, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting
Replies: 12
Views: 561

Re: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting

Rule #1 of investing......never buy something with a K1 form. Rule #2.....repeat rule 1. Seriously even if all goes well, often you get the K1 very late and often they get revised. I would sell it before year end, deal with whatever you have to for tax year 2018 and never do it again. This is all ba...
by Good Listener
Tue Aug 07, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 26
Views: 2071

Re: Moving soon; whom to hire to help me move?

I would only use a licensed moving company and the DIY just seems too risky at many levels.
by Good Listener
Tue Aug 07, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Added as joint account owner - Is it a gift (gift/estate tax)? Is it a good idea?
Replies: 16
Views: 1161

Re: Added as joint account owner - Is it a gift (gift/estate tax)? Is it a good idea?

This is not a gift to you so maybe that helps answer the other concerns. Gill Gill, Why wouldn't this be a gift? Not suggesting any bad or illegal intentions, but if the lady dies and the poster then owns the full 50k, isn't this avoiding gift tax when it was given? No, it’s not a gift at the time ...
by Good Listener
Mon Aug 06, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Added as joint account owner - Is it a gift (gift/estate tax)? Is it a good idea?
Replies: 16
Views: 1161

Re: Added as joint account owner - Is it a gift (gift/estate tax)? Is it a good idea?

Gill wrote:
Mon Aug 06, 2018 12:15 pm
This is not a gift to you so maybe that helps answer the other concerns.
Gill
Gill,
Why wouldn't this be a gift? Not suggesting any bad or illegal intentions, but if the lady dies and the poster then owns the full 50k, isn't this avoiding gift tax when it was given?
by Good Listener
Sat Aug 04, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable donations
Replies: 2
Views: 266

Re: Charitable donations

Deleted. See next post by Artsdoctor.
by Good Listener
Thu Jul 19, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10103

Re: Amazon Prime Day 2018

I ordered a Paperwhite. It should have arrived Wednesday and hasn't shipped yet but supposedly will get tomorrow, Friday. $80 instead of $120. I can't wait to not have to deal with getting and dealing with physical books and killing trees anymore.
by Good Listener
Wed Jul 18, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 34
Views: 2891

Re: International Stocks in Taxable?

I dont like the complexity of additional tax forms either, dating back to before TurboTax. For the foreign tax credit, it gets calculated regularly and for AMT. I know TurboTax can do it now but it has a lot of problems with it. I particularly don't like the high percent of dividends that are not qu...
by Good Listener
Tue Jul 17, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest 100000?
Replies: 36
Views: 2641

Re: When to invest 100000?

If you are 100% sure a crash is coming soon, how could you possibly invest a penny until after the crash? So to be able to invest now, you need to check the accuracy of your predictive abilities. I personally have no skills in this area. A close friend has been in money markets 100% for 10 years bec...
by Good Listener
Thu Jul 12, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9344

Re: Keeping a checkbook register

To clarify as OP, I rarely write a physical check. The register is used to record transactions (including the rare check) of any type involving the checking ACCOUNT. Mostly ACHs. I do pay as many things once a year as possible to avoid monthly transactions. I just finished a checkbook. I've had it f...
by Good Listener
Sat Jul 07, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2788

Re: Financial Newspapers & Publications

The NY Times is very good with factual reporting on economics and business. OTOH, Fox News excels at outstanding opinion pieces. I used to think the Times was good in that area. I've had a subscription from right after college until this year (44 years) although i had read it every day from about a...
by Good Listener
Sat Jul 07, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Which route for older adult with no retirement?
Replies: 19
Views: 2464

Re: Which route for older adult with no retirement?

I empathize with your situation and let me try to help with your anger at your boss. I do not think he/she is corrupt. I have been an employee in one way or another my whole life including as part of management. And it is the very rare employee who is paid more than half of what he/she generates for...
by Good Listener
Sat Jul 07, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it
Replies: 20
Views: 2050

Re: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it

I am very happy. I was worried for you, really. The company really failed you in not letting you know that when they laid you off. And DON'T LET THIS HAPPEN AGAIN! The company didn't fail anything. The company does not provide the COBRA notice. They have 30 days to notify the group health plan admi...
by Good Listener
Sat Jul 07, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 12533

Re: What I spent in 6 months on medicare

And I will add my usual warning that I hate Medicare Advantage, having lived through it for 2 months last year when I was put into it by a company retirement plan. I changed to original Medicare plus the supplement and Part D as soon as I could. With what I now have there are no prior authorization...
by Good Listener
Sat Jul 07, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 12533

Re: What I spent in 6 months on medicare

No, that is incorrect IRMAA tacks on an additional charge to both Part B and Part D monthly premiums. I agree with this. What is "incorrect"?? I believe the affects of IRMAA are identical whether on Original Medicare and a drug plan - AND Medicare Advantage plan with the drug plan. Am I correct? Ye...
by Good Listener
Fri Jul 06, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 12533

Re: What I spent in 6 months on medicare

No, that is incorrect IRMAA tacks on an additional charge to both Part B and Part D monthly premiums. I agree with this. What is "incorrect"?? I believe the affects of IRMAA are identical whether on Original Medicare and a drug plan - AND Medicare Advantage plan with the drug plan. Am I correct? Ye...
by Good Listener
Fri Jul 06, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it
Replies: 20
Views: 2050

Re: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it

understandingJH wrote:
Fri Jul 06, 2018 2:18 pm
Update: I am eligible for COBRA. Yay!
I am very happy. I was worried for you, really. The company really failed you in not letting you know that when they laid you off. And DON'T LET THIS HAPPEN AGAIN !
by Good Listener
Fri Jul 06, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - What will the real return be for stocks and bonds over the next ten years?
Replies: 46
Views: 5260

Re: Vanguard - What will the real return be for stocks and bonds over the next ten years?

Given today's valuatuons, I don't consider zero conservative. I think fair value for equities is 40% lower than today's levels. What makes you think that? That is 1642 on the S&P 500, which would be PE <15. The only time PE has been that low since 1995 was a span of 6 months in 2011. Zero is absolu...
by Good Listener
Thu Jul 05, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - What will the real return be for stocks and bonds over the next ten years?
Replies: 46
Views: 5260

Re: Vanguard - What will the real return be for stocks and bonds over the next ten years?

For planning purposes, I am honestly using a zero percent real rate of return. Hopefully it is a few percent too conservative and hopefully the real rate is not negative.
by Good Listener
Wed Jun 20, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for long-term care of a brother with Autism? (Financial aspect)
Replies: 27
Views: 1910

Re: Planning for long-term care of a brother with Autism? (Financial aspect)

Is he "too good" to be in a group home as at that point the state takes care of almost everything. I hate to be judgemental, but haven't your parents acknowledged a need to provide more for him and try to somehow save more for him? It's a lot to be laid on you particularly if you ever decide to have...
by Good Listener
Mon Jun 18, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7725

Re: Trust Help From Cruel Stepmother

I would go right to a lawyer and I'm sure the lawyer can help get this worked out.
by Good Listener
Fri Jun 08, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Source of objective assessment of Medicare B,C,D
Replies: 33
Views: 2036

Re: Source of objective assessment of Medicare B,C,D

I vigor ously recommend against Medicare Advantage. I had it for 2 months last year from a company plan and had to get some prior authorizations for things one of which was refused. I ended it. I've had at least five diagnostic test in the last 3 months all of which would have required prior approva...
by Good Listener
Mon May 28, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: Can anyone recommend Any Social Responsible fund/s?
Replies: 17
Views: 1382

Re: Can anyone recommend Any Social Responsible fund/s?

One person's socially responsible is another person's irresponsible.
by Good Listener
Mon May 28, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 8662

Re: Can we retire in 2018?

I suggest retiring the earliest you can. I waited until age 64. What a mistake. Now a year and a half later i wake up when I want and have time to deal with the medical issues that happen as you age.
by Good Listener
Mon May 28, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Please help. Private school contract woes.
Replies: 21
Views: 3372

Re: Please help. Private school contract woes.

I wouldn't bother with an attorney. They are giving you an out from a contract you signed and probably liable for for $2500. I have been in similar situations although not with private schools. I would write the check and deliver it by hand requesting a release and receipt.
by Good Listener
Sat May 26, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Mango card hacked and drained! Help!
Replies: 7
Views: 1871

Re: Mango card hacked and drained! Help!

This may be a useful lesson. When probably 95% of people don't know what something you own is (Mango card?) ...stay away. I hope you can recover your losses. OP probably found out about Mango from this site (high interest savings account). I guess we could just re-state your post and say, if you do...
by Good Listener
Fri May 25, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Mango card hacked and drained! Help!
Replies: 7
Views: 1871

Re: Mango card hacked and drained! Help!

This may be a useful lesson. When probably 95% of people don't know what something you own is (Mango card?) ...stay away. I hope you can recover your losses.
by Good Listener
Fri May 25, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: I need advice on having 2 jobs.
Replies: 25
Views: 2956

Re: I need advice on having 2 jobs.

How do you get from the job ending at 5 pm to the one starting at 6pm? Doesn't that effectively rule out overtime from the first job?
by Good Listener
Wed May 23, 2018 8:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 105
Views: 18366

Re: [Virtual online chapter - Master thread]

It was great lazylarry. Thanks for arranging. I wanted to donate so you could get to your goal to avoid needing to change links at 40 minutes but I don't use PayPal. But then it lasted on 1 link for more than an hour. Did you reach your $150 goal per your recent comments here?
by Good Listener
Tue May 22, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: How do I tell if Roth conversions are worth the trouble?
Replies: 76
Views: 6316

Re: How do I tell if Roth conversions are worth the trouble?

I don't know why people seem it's essential to stay in the same bracket and not go a few per cent higher. I believe strongly that we are now at tax rates that are the lowest any of us will ever see. I would convert it all to Roths no matter what the bracket, and I am doing that.
by Good Listener
Mon May 21, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1714

Re: Medicare and Cataract surgery - one or two charges?

As a doc, I prefer to keep things as simple as possible. So I went with the basic lenses. I used a private ophthalmologist rather than a cataract mill, and he told me well over 90% went with standard monofocal lenses, and that's what he would choose for himself. After my supplemental plan F, I paid...
by Good Listener
Mon May 21, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1714

Re: Medicare and Cataract surgery - one or two charges?

If you have them together or separate, what difference does it make once you've paid the deductible? And even if somehow there is a difference, would you really risk both eyes at the same time?
by Good Listener
Sat May 19, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Year End Tax Forms
Replies: 7
Views: 771

Re: Vanguard Year End Tax Forms

I just downloaded the 2017 form 5498 to my computer and saved it on Dropbox and Google drive along with all my 2017 forms. Why not just save the files digitally forever?
by Good Listener
Fri May 18, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile phone service
Replies: 8
Views: 780

Xfinity Mobile phone service

This is a new service from Comcast that is available to customers with phone or Internet (I have both). Although one has to buy the phone from them, as of now, it is free for phone and text and charges $12 per gig of data per month. In my area there are so many xfinity hotspots that even though I us...
by Good Listener
Fri May 18, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 6481

Re: Neighbor wants to use our land temporarily - let them or not?

I would want to be as friendly as possible as many of you are proposing. I have a question though. Let us say a worker trips or falls or has an accident on your property while moving or lifting the equipment and is killed or severely injured or disabled (he has 5 kids and is a single parent to top i...
by Good Listener
Thu May 17, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 26
Views: 3427

Re: more rotten service from Vanguard [ACH transfer, fund availability]

I did an ACH from Vanguard to Chase 2 weeks ago. I initiated it on Day 0 at 3 PM and it was in my Chase account on Day 2 when I woke up. Sometimes some people are too critical of Vanguard. We save so much money from their reduced fees that is worth tolerating a day or two of delays on occasion.
by Good Listener
Wed May 16, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 6714

Re: Would you send your children to private school in my situation?

It is 2 % of your income. Cost should be no consideration.
by Good Listener
Wed May 16, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12988

Re: how do you tip on wine at a restaurant

I'm glad I don't drink in restaurants. To read that a person pays $50 for food and 1.5 times that for wine is so strange to me. Can people not hold off for an hour or two? But to OP, I agree. The few times I have been forced to order wine for others (I always pay :oops: ), I applied a $10 tip for it...
by Good Listener
Mon May 14, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Executor - Vanguard
Replies: 9
Views: 1250

Re: Executor - Vanguard

I have a Special Needs Trust that I set up for my special needs daughter. It is currently unfunded (it is a beneficiary of my taxable account) , but I had my lawyer put in all the language Vanguard wanted. I dealt extensively with the Trust Department at Vanguard which is how I learned of all their ...
by Good Listener
Mon May 14, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Considerations in selecting a hearing aid
Replies: 21
Views: 1318

Considerations in selecting a hearing aid

I have bitten 5he bullet and realize I actually have to have hearing aids. I know they're a pain. . I will provide some pricing information but prices are not a prime consideration. I saw a private audiologist who gave me a thorough hearing exam last week and deals with items in the $6,000 range per...