Search found 259 matches

by Conch55
Tue Nov 12, 2019 5:51 pm
Forum: Personal Consumer Issues
Topic: How does receiving ACA subsidies work?
Replies: 5
Views: 402

Re: How does receiving ACA subsidies work?

You fill out the online income forms at healthcare.gov and you will receive a Eligibility Results Notice which lays out your subsidy, or lack thereof. The subsidy can be applied to the premium of plans offered in your area. At least that's how it's worked for me the past few years.
by Conch55
Mon Nov 04, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Any danger in having all my retirement in Vanguard?
Replies: 17
Views: 1484

Re: Any danger in having all my retirement in Vanguard?

We have the majority of our retirement accounts with Vanguard with a 15% share at Fidelity. I am not overly concerned with either being "hacked". Our Vanguard allegiance goes back decades but both relationships were an offset of past employer related offerings.
by Conch55
Thu Oct 31, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Just got married] Looking for ways to cut down on my budget
Replies: 80
Views: 6407

Re: How do people live on an average household income of 60K? Looking for ways to cut down on my budget

Expected child expenses: $500
While I am well past the age to really know, this seems to be a high monthly estimate. Plus the HVAC + Water Heater Loan is not a long term expense.
by Conch55
Thu Oct 31, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: 40th Anniversary Travel Ideas
Replies: 26
Views: 1980

Re: 40th Anniversary Travel Ideas

Wife and I did Amsterdam on a more compressed schedule and found plenty to do. We walked everywhere and had a good time. You could easily work in visits to Delft, Giethoorn and the Hague depending on your interests. One nice thing about Amsterdam is it is very accessible from a number of US airports...
by Conch55
Fri Oct 25, 2019 4:39 am
Forum: Personal Finance (Not Investing)
Topic: Executor for parent in Florida seeking guidance
Replies: 46
Views: 3199

Re: Executor for parent in Florida seeking guidance

It’s not a tax issue. If it’s his money it’s in his estate and gets a new basis in any case. But joint accounts and TOD can create lots of other problems. So is it preferable to not be a joint owner on an account, such as CD's at a bank, if the intent is for the money to go into the estate and be p...
by Conch55
Thu Oct 24, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Executor for parent in Florida seeking guidance
Replies: 46
Views: 3199

Re: Executor for parent in Florida seeking guidance

Once again thanks for all the suggestions. To make this more actionable, any recommendations for future reading? I have checked out a copy from the local library of The Executor's Guide Settling a Loved One's Estate or Trust, author: Mary Randolph and am working through it.
by Conch55
Thu Oct 24, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 5441

Re: Does the Average Homeowner Need a Water Shut Off Valve?

Do these smart valves replace the typical manual valve where water enters the house? If so, what constitutes a shutdown? I guess I am asking how long water flows before the smarts kick in.
by Conch55
Tue Oct 22, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: are laser distance measurers /rulers worth it
Replies: 8
Views: 890

Re: are laser distance measurers /rulers worth it

To follow on to my comment about using one of these tools; I used it to measure spaces/rooms to determine capacity. I was tasked to survey locations and provide raw dimensions to planners. I never used one for wood work or measuring lumber. I do occasionally still use it to confirm room sizes in my ...
by Conch55
Tue Oct 22, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: are laser distance measurers /rulers worth it
Replies: 8
Views: 890

Re: are laser distance measurers /rulers worth it

I have a Fluke 411D. It's a leftover from my working days when measuring somewhat large spaces solo was part of the job. Seems to work well although I rarely use it now.
by Conch55
Mon Oct 21, 2019 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Executor for parent in Florida seeking guidance
Replies: 46
Views: 3199

Re: Executor for parent in Florida seeking guidance

Thanks for all of the informative comments. Contacting the county probate court seems like a good first step. The total estate value exceeds the numbers put out in this thread to avoid probate. House value is not as clear although it's appraised at 150k but the town is not thriving.
by Conch55
Mon Oct 21, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Executor for parent in Florida seeking guidance
Replies: 46
Views: 3199

Executor for parent in Florida seeking guidance

Years ago I agreed to be executor of my fathers estate (wife deceased) and am seeking guidance on how to start preparing for that responsibility. His health is okay but I don’t want to wait until things worsen to fully understand my duties. He lives in Florida, I do not, and has prepared a will, a p...
by Conch55
Tue Oct 15, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on cellular annually?
Replies: 59
Views: 4121

Re: How much do you spend on cellular annually?

Shared 12GB plan for three iPhones on Verizon. Wife and I contribute about $90 month ($1080 annually) and don't use much data. Daughter still on plan and uses the majority of the data. We can and will find a cheaper plan at some point but for now it's okay. Service is rock solid.
by Conch55
Mon Oct 14, 2019 2:08 pm
Forum: Forum Issues and Administration
Topic: How to reset my password?
Replies: 2
Views: 463

Re: How to reset my password?

Haven't confirmed this process:

User Control Panel->Profile->Edit account settings->New password
by Conch55
Mon Oct 14, 2019 12:48 pm
Forum: Investing - Theory, News & General
Topic: How often do you look at your IRA or 401K Balances
Replies: 71
Views: 5708

Re: How often do you look at your IRA or 401K Balances

I check every Saturday morning and update my spreadsheets to determine if a rebalance is required. Most of the time I fill in the data with no changes. I log bank account balances then too. The spreadsheet updates coincide with my weekly computer backup so it's mostly a procedural thing.
by Conch55
Fri Oct 11, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: duckduckgo
Replies: 31
Views: 4101

Re: duckduckgo

Is this some sort of app you are describing? duckduckgo is a search website offered as an alternative to Google.
by Conch55
Fri Oct 11, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: switching primary and secondary on ACA when one person going on Medicare
Replies: 4
Views: 398

Re: switching primary and secondary on ACA when one person going on Medicare

I am in a similar situation and found the following on the healthcare.gov website ( https://www.healthcare.gov/how-to-cancel-a-marketplace-plan/ ) : Ending coverage for just the HOUSEHOLD CONTACT because you're eligible for Medicare The household contact is usually the person who created the Marketp...
by Conch55
Wed Oct 09, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9487

Re: Do you carry your passport with you during international travel?

Hotel safe when possible but always with a copy on my person. At times in central Asia and eastern Europe I was required to surrender my passport at a hotel reception to check-in. Mostly business travel and usually when a number of foreign visitors were checking in at the same time. A copy in my poc...
by Conch55
Wed Oct 09, 2019 11:28 am
Forum: Investing - Theory, News & General
Topic: Artificial Intelligence and the stock market
Replies: 65
Views: 6533

Re: Artificial Intelligence and the stock market

Isn't that what robo-advisors do currently?
by Conch55
Wed Oct 02, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 8382

Re: Wedding Finances-Today

I might be pressing the limits of your 5 year constraint but dw and I funded weddings for two children over the past 5 years and all I can add is it depends on what you are hoping for. We never considered a wedding planner, would have impacted the amount we, as parents and kids, were willing to spen...
by Conch55
Fri Sep 27, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 77
Views: 8617

Re: Apple iPhone iOS 13 Discussion

Upgraded my 6s to IOS 13.1 a couple of days ago and am happy to report no problems! I haven't noticed much in the way of changes or improvements; the Photos app looks nice and there's something called Shortcuts which I haven't tried. After issues with reduced battery life after previous updates I am...
by Conch55
Sat Sep 21, 2019 8:38 am
Forum: Personal Investments
Topic: Fidelity current statement availabity?
Replies: 6
Views: 410

Re: Fidelity current statement availabity?

Just finished a chat session with Fidelity and they say if an account shows no activity they switch statement release frequency from monthly to quarterly. So I'll see three statements quarterly. Also, dividend reinvestment does not count as activity. I don't plan to access the account for a couple m...
by Conch55
Sat Sep 21, 2019 8:14 am
Forum: Personal Investments
Topic: Fidelity current statement availabity?
Replies: 6
Views: 410

Re: Fidelity current statement availabity?

Are you saying that you are seeing quarterly report rather than monthly report? Is this brokerage account or 401k type of account?
I am seeing monthly statements just not the most recent. It's a rollover IRA.
by Conch55
Sat Sep 21, 2019 6:31 am
Forum: Personal Investments
Topic: Fidelity current statement availabity?
Replies: 6
Views: 410

Fidelity current statement availabity?

When I login to my Fidelity account to view statements I don't see the most recent ones. I can see those from the previous quarter which are displayed as "Current Statements". The same 3 statements are displayed in the "Previous Statements" section. The latest available current statement is dated Ju...
by Conch55
Fri Sep 20, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Best way to track / categorize spending?
Replies: 35
Views: 2009

Re: Best way to track / categorize spending?

I download my end of the year credit card transactions (csv format) and banking transactions (csv) then load them into Excel. That gives me a good overall picture of our spending. It's simple but does not provide a great deal of fidelity. For instance, purchases at Walmart are considered grocery ite...
by Conch55
Wed Sep 11, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9435

Re: How old is your cellphone?

iPhone 6s purchased about 4 years ago. I replaced the battery for $29 when Apple offered the deal. I hope to get another couple of years out of it.
by Conch55
Thu Sep 05, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Beach City / Town in Florida
Replies: 64
Views: 7494

Re: Beach City / Town in Florida

What I have found helpful is to visit as many areas of Florida as you can. DW and I continue to explore and are still undecided, including spending time in Naples and the Tampa area. We prefer the west coast "vibe" but none of the places we've visited clicked. We have also looked at the east coast o...
by Conch55
Tue Aug 27, 2019 2:29 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15323

Re: Best of Bogleheads - your #1 takeaway

Stay the course. Also, nobody knows nothing. Index funds, but I already knew that one.
by Conch55
Mon Aug 26, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Good fencing for Bad neighbors (fence advise)
Replies: 22
Views: 2699

Re: Good fencing for Bad neighbors (fence advise)

Concur about fencing but many areas only allow fencing in the back yard. If this neighbor is persistent I'd go the warning letter route. Your tenant should feel safe anywhere on the property.
by Conch55
Sat Aug 24, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Plan - Input Needed
Replies: 86
Views: 4550

Re: Medicare Part D Plan - Input Needed

Realizing that this is a generalization kind of question but do you married couples typically pick the same plan or is the decision based more on individual med requirements?
by Conch55
Sat Aug 24, 2019 8:39 am
Forum: Investing - Theory, News & General
Topic: Anybody else's Fidelity accounts zeroed out?
Replies: 44
Views: 4621

Re: Anybody else's Fidelity accounts zeroed out?

I can see everything pertaining to my account again now. I guess the site is back to normal.
by Conch55
Thu Aug 15, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: Woodstock
Replies: 93
Views: 9234

Re: Woodstock as it happened

Oh, the Irony: Alexa, Tune-In, the Internet.
Thanks for that Livesoft :D
by Conch55
Thu Aug 08, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Do you pay for kids college if a non-STEM major?
Replies: 62
Views: 3012

Re: Do you pay for kids college if a non-STEM major?

Yes, two kids. I didn't attach any conditions to paying for college except that I would only spring for four years.
by Conch55
Tue Aug 06, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 113
Views: 10921

Re: Gardening 2019

Zone 8a - cucumbers, squash and zucchini are done for this year. Tomato production has been good although excessive heat has put the skids on current yields. It's been cooler this week so maybe more to come. Basil plants are doing great, peppers okay, Over 50 pounds of produce donated to local food ...
by Conch55
Wed Jul 31, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: 3 Days in Seattle
Replies: 24
Views: 1449

Re: 3 Days in Seattle

If you are into craft beer, Old Stove Brewing at Pike Place Market is a nice way to spend some time. Outdoorsy kind of place and the food is decent too.
by Conch55
Thu Jun 20, 2019 2:44 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1012
Views: 137169

Re: Did I Make it or no?

Not sure about making it but you are making good progress based on your age. Keep up the good work!
by Conch55
Tue Jun 11, 2019 6:13 am
Forum: Personal Investments
Topic: bizarre letter from Vanguard
Replies: 17
Views: 4348

Re: bizarre letter from Vanguard

My spouse received a similar letter stating she would be "downgraded" from Voyager Select to whatever is lower than that. She should have been Flagship based on our household combined assets. I called them and they made a note to "upgrade" her account to Flagship. That appears to have happened.
by Conch55
Mon Jun 10, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7773

Re: Do you drive old cars for long distance travels?

Just back from a 1500 mile road trip in a Honda Accord with 130k miles. No issues, we trust the car but many of the more recent safety features such as lane alert would be nice. Will definitely have it on the next car.
by Conch55
Wed May 29, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Looking for initerary recommendation-driving from Munich
Replies: 11
Views: 422

Re: Looking for initerary recommendation-driving from Munich

In your shoes, I might actually do two segments: A run to the north and west through the Black Forest and spend several days along the Alsace Wine Route, maybe with a couple of days at Lake Constance/Bodensee. Then a longer loop through Austria (bypassing Vienna because of the new car). Salzkammerg...
by Conch55
Tue May 28, 2019 3:04 pm
Forum: Investing - Theory, News & General
Topic: How can I check my portfolio as little as possible?
Replies: 69
Views: 3519

Re: How can I check my portfolio as little as possible?

What has worked for me over the years has been to not use any financial apps, pay attention to the news as a casual observer and only update my balances on a schedule. For me that's once a week but I do it to maintain a historical perspective on things rather than react to market swings. I don't put...
by Conch55
Thu May 23, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: This rake is the best tool I've bought this week
Replies: 35
Views: 5610

Re: This rake is the best tool I've bought this week

"What is a hoe" for 200$ Alex. Sorry but based on the current Jeopardy season I couldn't resist that Ken Jennings gem. Looks like a nice rake.
by Conch55
Thu May 23, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Termite Control - worthwhile or a scam
Replies: 11
Views: 1338

Re: Termite Control - worthwhile or a scam

I pay 96$ yearly which includes one inspection. I have a crawlspace so having someone else poke around under there is okay with me. Occasionally the company tries to sell an additional service which I decline. I get a wood moisture content read too. Not sure it's worth it but I've always had it.
by Conch55
Mon May 20, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 14626

Re: Should I encourage my kids to work in high school/college?

Work for kids that age is an introduction to the real world. A part time job is an unlikely impediment to success but that depends on the kid. As long as school activities are not affected I'm for it.
by Conch55
Sat May 18, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: At what NW do I have disposable income?
Replies: 85
Views: 6277

Re: At what NW do I have disposable income?

You only get one shot at this "life" thing so I'd save as much as you can while not forgoing every experience along the way. Retirement is just another phase along the way.
by Conch55
Fri May 10, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: How to replace HDD with SSD
Replies: 16
Views: 1847

Re: How to replace HDD with SSD

Also, regarding using disk cloning software, you can plug the SSD into the motherboard using a 2nd SATA connector and cable, which gives fastest copying. OTOH if space is tight in the case wrt fumbling w the connector, or you're talking about a laptop, then you can get a USB to SATA adapter for und...
by Conch55
Wed May 08, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Good town to stop on I-81
Replies: 42
Views: 3590

Re: Good town to stop on I-81

Blacksburg Virginia? While not directly on I-81 it's a great college town (Virginia Tech). Be careful on I-81, it's a 18 wheeler nightmare at times.
by Conch55
Tue May 07, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 113
Views: 10921

Re: Gardening 2019

As a followup to my posting about putting in my vegetable garden I have a Boglehead analogy to add. After planting, I wondered if I should continue to use a chicken-wire fence around the plot. I hadn't seen rabbits, our main problem, in a couple of years. I opted to "stay the course" and put in the ...
by Conch55
Fri May 03, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 12764

Re: Rarely used items that are worth having?

In my case a portable generator. It's been useful mainly as a hurricane deterrent device. I still use it for the occasional outages.
by Conch55
Fri May 03, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Useful wedding gift you didn't expect
Replies: 26
Views: 3294

Useful wedding gift you didn't expect

This is intended to be on the lighter side of things but DW was making a salad recently and used a salad spinner we received as a wedding gift close to 40 years ago. We still use it regularly. I'd say that wedding gift suits us to a tee. Anyone else have a similar item from when they first started o...
by Conch55
Tue Apr 30, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 113
Views: 10921

Re: Gardening 2019

I decided to tackle my vegetable garden a week or so ahead of schedule based on forecasted warm temperatures and the need to get my container veggies into more growing space. Tomatoes, cucumbers, squash and basil all transplanted. Hoping for a good growing season and best of luck to other Boglehead ...
by Conch55
Sat Apr 27, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Is 2 weeks in Amsterdam a bit much?
Replies: 45
Views: 3731

Re: Is 2 weeks in Amsterdam a bit much?

For me two weeks would be long but it's a nice town. We did the major sights mentioned previously in 4 days but that included a lot of walking. The train station in town is your ticket to plenty of close by adventure if you want to get away. A word of caution, pay attention to the bike lanes and bik...