Search found 311 matches

by theac
Fri Feb 14, 2020 10:49 pm
Forum: Personal Consumer Issues
Topic: Moving out of US for about 12-14 months : Suggestions requested on storage
Replies: 26
Views: 1581

Re: Moving out of US for about 12-14 months : Suggestions requested on storage

Not sure of your location, but you would need a climate controlled unit for the furniture. And don't store the car with the other items. I was in moderate weather year round, so weather wasn't an issue for me. But yes, depending on where you live, weather could be a major consideration. I'm sure a ...
by theac
Fri Feb 14, 2020 9:41 pm
Forum: Personal Consumer Issues
Topic: Moving out of US for about 12-14 months : Suggestions requested on storage
Replies: 26
Views: 1581

Re: Moving out of US for about 12-14 months : Suggestions requested on storage

OP, I did something similar about 14 years ago. But my 1-1/2 years turned into 2-1/2 years. And at that point I only came back to sell everything in storage, except for mostly personal and irreplaceable things, because that 1-1/2 year trip turned out to evolve into my retirement, 8 years earlier tha...
by theac
Sat Jan 18, 2020 7:07 pm
Forum: Personal Consumer Issues
Topic: My Hotmail account is getting spammed big time
Replies: 48
Views: 4471

Re: My Hotmail account is getting spammed big time

This is my primary account, had it for 20 years. It's set to exclusive. Haven't seen this happen before. Anyone else getting hit like this? Any fixes? Yep, same with my Hotmail. I'm getting at least 10 per day. Been happening for a while, but there was a lull a few months back. Pretty much a daily ...
by theac
Thu Aug 22, 2019 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 19106

Re: Are you a "solo ager?"

One Saturday (or Sunday?) morning I'm sitting with her in the lobby talking and they wheel in a little old lady that looked pretty close to the end. Then an older couple come in with their teen age daughter and son to see "Grandma." Man, it was so obvious those two kids were only there by force, an...
by theac
Tue Aug 20, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 19106

Re: Are you a "solo ager?"

We have seen some families with children where parents were literally sold out of their homes after giving power of attorney to the children. The lesson was - have a system check in place. I have no doubt this happens--and while clearly elder abuse is a legitimate concern & checks & balances should...
by theac
Sat Aug 17, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1714
Views: 191661

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

Season 2 of Mindhunter is pretty good.

Saw season 1 last year.
by theac
Thu May 16, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Impossible Burger At Home
Replies: 35
Views: 3073

Re: Impossible Burger At Home

All I can say is "Try it, you'll (maybe) like it."
And if you don't, "Oh well!" :D

I do, that's all I'm concerned about...just passing on some info, take it or leave it. :happy
by theac
Thu May 16, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Impossible Burger At Home
Replies: 35
Views: 3073

Re: Impossible Burger At Home

If you're interested in making your own, it's very easy once you get the hang of it. And you can control what you put in them. I've been using this recipe for years and works for me. I highlighted in red the amounts I use per batch. It shows the original recipe, but I triple the quantities for a big...
by theac
Thu May 09, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for Medicare, now can't view SS Statement online
Replies: 2
Views: 394

Applied for Medicare, now can't view SS Statement online

I applied for Medicare online a few days ago then logged into my online account and see the application was approved. While logged in I decided to print out my annual SS Statement which I do every year in early May, as I've done for years. It says my statement is no longer available, and I think it ...
by theac
Sun May 05, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1714
Views: 191661

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

Money Heist, a series from Spain with English subs.

I really enjoyed seeing something from a different culture with different stuff you won't find in American shows.

https://www.imdb.com/title/tt6468322/

Another good one was Babylon Berlin (English subs)

https://www.imdb.com/title/tt4378376/
by theac
Sun May 05, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5129
Views: 1314094

Re: What Movie Have You Recently Watched?

We watched " Andhadhun " on Netflix this weekend. It's a Bollywood movie recommended by my Indian friend. It is soooooo good!!! I cannot recommend it enough! It's a thriller full of twists and turns. You don't know what's the truth until literally the last second -- and even then, I'm not sure I kn...
by theac
Tue Mar 05, 2019 3:55 am
Forum: Personal Finance (Not Investing)
Topic: Start Social Security at year end, or in new year?
Replies: 27
Views: 2393

Re: Start Social Security at year end, or in new year?

...I would tend to opt for the longevity insurance of waiting as long as possible up to age 70 to get the higher payout. +1 One advantage of Social Security income is that at most 85% of it is taxed, and often less of it is taxed. Some states also do not tax Social Security income. After taxes a do...
by theac
Mon Mar 04, 2019 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Start Social Security at year end, or in new year?
Replies: 27
Views: 2393

Re: Start Social Security at year end, or in new year?

Yes, your SS benefit will grow at 8% per year that you defer benefits ... A quick reminder (we tend to talk in “years”) that strictly speaking your benefit goes up 8/12 of 1% every single month that your delay filing. Yes, that's what's nice about reaching 62. If you don't take it then for whatever...
by theac
Mon Mar 04, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Start Social Security at year end, or in new year?
Replies: 27
Views: 2393

Re: Start Social Security at year end, or in new year?

My pension is not inflation-adjusted, so that played a role in my not taking SS at 62, among other reasons like not wanting to lock in the lower amount for the rest of my life especially since I didn't need the SS money and would just be paying taxes on it, then banking it at a very low interest rat...
by theac
Sun Mar 03, 2019 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Start Social Security at year end, or in new year?
Replies: 27
Views: 2393

Re: Start Social Security at year end, or in new year?

What would your SS benefit be if you claimed in Sep., 2020? Are you single or married filing jointly? These answers will impact how much of your SS benefit is taxed; remember that no more than 85% of it can be taxed. If you have no Roth conversions to make and your pension is secure, it probably do...
by theac
Sun Mar 03, 2019 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Start Social Security at year end, or in new year?
Replies: 27
Views: 2393

Start Social Security at year end, or in new year?

I will turn 66 mid-August 2020, and I am wondering what month would be best to apply and start SS. Presently, I'm in the 12% bracket and retired, with a $25,000 annual pension and living off of savings. Took about 5 years to do all my Roth Conversions so as of 2017 all done and no future tax liabili...
by theac
Sun Jul 01, 2018 5:34 am
Forum: Personal Investments
Topic: Good Idea to sell these stocks at $0 Cap Gain?
Replies: 9
Views: 1137

Re: Good Idea to sell these stocks at $0 Cap Gain?

Thanks for the replies. OK good, so we all agree its better to switch that money to Vanguard Total Stock Fund. And that its also better to sell them before starting SS. (Took me about 7 years of Roth Conversions to get my t-IRA emptied out by the age of 62, since at the time I wasn't sure if I was g...
by theac
Sat Jun 30, 2018 12:12 pm
Forum: Personal Investments
Topic: Good Idea to sell these stocks at $0 Cap Gain?
Replies: 9
Views: 1137

Good Idea to sell these stocks at $0 Cap Gain?

I have these few stocks at Scottrade (now T.D. Ameritrade) and I'd like some opinions on whether I should sell them this year since I'm in the 15% tax bracket and will pay zero cap gains, then immediately repurchase them in my Vanguard Brokerage? I think between them they average about 3% in Qualify...
by theac
Fri Apr 13, 2018 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Buy I-Bonds before May 1 or After?
Replies: 16
Views: 2309

Re: Buy I-Bonds before May 1 or After?

Thanks for the replies and links. I think I will just let my money sit in the Vanguard MMkt which is like 1.76% presently, and see what happens on May1st. Then take it from there. Maybe I'll even wait till around November and see where things are at then. Really not a big deal either way I guess, an...
by theac
Thu Apr 12, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Buy I-Bonds before May 1 or After?
Replies: 16
Views: 2309

Buy I-Bonds before May 1 or After?

I'm planning on buying the annual $10,000 worth, and was wondering when those who know more about this than I do are planning to buy. I know it's best to buy before the end of the month to set the start date at the 1st of that month, so if after May 1, would then buy in the last week of May. I guess...
by theac
Wed Mar 07, 2018 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Should I agree to have my driving monitored in exchange for lower rates?
Replies: 65
Views: 6815

Re: Should I agree to have my driving monitored in exchange for lower rates?

Insurance companies are not your friend . Perhaps the only "winning" move is to not have a car. I learned that the hard way in my early 20s, and glad I did, although at the time it was no fun going thru it at all. My 1974 Datsun Pickup got stolen, but no worries right? I had a "GREAT" insurance com...
by theac
Sun Feb 11, 2018 4:01 am
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 80
Views: 18531

Re: I-Bonds?

I may start buying some; should I wait until the new rates are announced in April/May? Yes, I'd also like to hear an answer to that. Since the fixed rate went up a little in Nov (.10% I believe?) after being at 0%, would it better to wait and see if they raise the fixed rate again in May 2018 and b...
by theac
Fri Jun 09, 2017 11:08 pm
Forum: Personal Investments
Topic: Anyone still buying I-Bonds these days?
Replies: 16
Views: 3297

Re: Anyone still buying I-Bonds these days?

I think bonds are hard to beat anytime. They let you sleep at night. I've been buying the max allowed for the past 10 years. You'll never be behind rising rates much since the inflation return is reset every 6 months and in the case of deflation you'll still receive the guaranteed rate. Not many ot...
by theac
Fri Jun 09, 2017 11:04 pm
Forum: Personal Investments
Topic: Anyone still buying I-Bonds these days?
Replies: 16
Views: 3297

Re: Anyone still buying I-Bonds these days?

I don't see any advantage to buying now when fixed rate is 0%. Only reason to buy now is if you need them to be redeemable within a year. So I guess I could buy a $10k I-Bond now, hold it for a year at 2% interest, then cash it in and take the 3 month interest penalty which makes my actual rate 1.5...
by theac
Fri Jun 09, 2017 10:17 pm
Forum: Personal Investments
Topic: Anyone still buying I-Bonds these days?
Replies: 16
Views: 3297

Anyone still buying I-Bonds these days?

I haven't bought any I-Bonds in maybe 8 years (due to low rate) but have about $50k from before. What are others doing these days? Any of you still buying? I have no state taxes so will only be deferring fed taxes. Have more cash than I need just sitting in savings acct getting like .01% or somethin...
by theac
Fri Jun 09, 2017 3:02 am
Forum: Personal Investments
Topic: Educate me on Ibonds
Replies: 6
Views: 1581

Re: Educate me on Ibonds

I haven't bought any I-Bonds in maybe 8 years (due to low rate) but have about $50k from before. What are others doing these days? Any of you still buying? I have no state taxes so will only be deferring fed taxes. Have more cash than I need just sitting in savings acct getting like .05% or somethin...
by theac
Tue May 17, 2016 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Re: Take my SS at 62 or wait?

I don't want to be an extremist.

62+4= 66 +4=70

I'm going to take Buddha's advice and shoot for the middle path. :D
by theac
Mon May 16, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Re: Take my SS at 62 or wait?

I always opted for deferred gratification on pensions (2) and Social Security at age 70 (2 more years). If you don't really need the money now, are in good health,have decent longevity genes, and it is not preventing you from some significant upgrade in standard of living then waiting will give you...
by theac
Mon May 16, 2016 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Re: Take my SS at 62 or wait?

I always opted for deferred gratification on pensions (2) and Social Security at age 70 (2 more years). If you don't really need the money now, are in good health,have decent longevity genes, and it is not preventing you from some significant upgrade in standard of living then waiting will give you...
by theac
Sun May 15, 2016 1:08 pm
Forum: Personal Investments
Topic: How best to rebalance from Bond Index to Stock Index?
Replies: 10
Views: 1209

Re: How best to rebalance from Bond Index to Stock Index?

Thanks for the replies, I think I'll just keep it as it is for now.
Just wanted to hear some other views.
by theac
Sun May 15, 2016 11:55 am
Forum: Personal Investments
Topic: How best to rebalance from Bond Index to Stock Index?
Replies: 10
Views: 1209

Re: How best to rebalance from Bond Index to Stock Index?

I think I should have just said that I'm interested in reducing such a large holding in bonds, and that I'd just want to shift some of that to stocks, as in an index. Most of my portfolio is the Roth. Outside of the Roth I have maybe $15k in individual stocks. Within the Roth I have probably $20k in...
by theac
Sat May 14, 2016 1:28 pm
Forum: Personal Investments
Topic: How best to rebalance from Bond Index to Stock Index?
Replies: 10
Views: 1209

Re: How best to rebalance from Bond Index to Stock Index?

62. Been retired 10 yrs
I do have about $4,000 in Vanguard LifeStrategy Growth Inv (VASGX) for years now. 70-85% equities.

Was just thinking since I already have the bond fund, could just exchange some shares for Total Stock and Total Int'l.
by theac
Sat May 14, 2016 1:09 pm
Forum: Personal Investments
Topic: How best to rebalance from Bond Index to Stock Index?
Replies: 10
Views: 1209

How best to rebalance from Bond Index to Stock Index?

In my Roth IRA I have about 90% of the $300k in Vanguard Total Bond Market. I've had that position for years and believe I got in at about $10.66 on the bulk of it, some lower. It's at $10.97 now. I see that Total Stock Market is at $50.83 and since its risen so much in the past few years, could it ...
by theac
Sat May 14, 2016 3:28 am
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Re: Take my SS at 62 or wait?

...I haven't waded through all the posters' calculations, but before I had to take Required Minimum Distributions, my Schedule A stuff offset enough of my income so that I paid zero federal taxes. Now that I'm taking RMDs, about 40% of my Social Security is taxable. However even with that, the Sche...
by theac
Fri May 13, 2016 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Re: Take my SS at 62 or wait?

... are you saying that in the end, if I took my SS at 62, the taxes I will pay on my SS income will only be taxed at a 6.37% rate? Yes, at most. Given your low income described in the original post approximately the first $19,000 of SS benefits would be taxed at 3.75% (0.5 X 0.5 X 15%). From $19,0...
by theac
Fri May 13, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Re: Take my SS at 62 or wait?

WOW Cruncher, you are quite a (number) Cruncher! Thank you for going thru the trouble of putting my specific info into your Marginal Tax Rate spreadsheet. I had taken a look at it, and didn't quite understand it, so it was going to take some time for me to figure it out. I like to think I'm a fairly...
by theac
Fri May 13, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Re: Take my SS at 62 or wait?

As for my two sons, whatever I leave them will just be their retirement fund. This suggests that there may have been a prior marriage. If so, that could be super relevant information, depending on circumstances. Yes but it was just a 7 year marriage. Has no impact in my circumstances. My "kids" are...
by theac
Fri May 13, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Re: Take my SS at 62 or wait?

Yes I don't think I'd be interested in going after 66, that's for sure. FRA is probably the max I'd be willing to wait. That is a great chart I'm thinking since I've been having itchy fingers to just take it as soon as possible, just because I made it, maybe its a good idea to sit on my hands awhile...
by theac
Fri May 13, 2016 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Re: Take my SS at 62 or wait?

P.S. I agree with a previous post that said if there are any out there who took their SS early and later regretted it, it would be helpful to hear from them. Nothing to be ashamed of there, because we all make our decisions for what we think are the best reasons at the time. None of us have a crysta...
by theac
Fri May 13, 2016 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Re: Take my SS at 62 or wait?

Too bad they ended the file and suspend strategy or for sure I would take it at 62, and if the thrill of getting my hands on that SS money wears off, I could just repay it and carry on waiting for the higher payments till 66 or whatever. But I missed that option by a few months. A lot of good advice...
by theac
Thu May 12, 2016 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Re: Take my SS at 62 or wait?

A bird in the hand is worth two in the bush. If you retired at 52 you've already waited 10 years for social security. I'd say that's long enough of a wait. Yeah that's the thing that's giving me the itchy fingers. It's like a milestone, and I made it. Some years ago I was getting a little worried I...
by theac
Thu May 12, 2016 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Re: Take my SS at 62 or wait?

Absolutely wait until FRA (Full Retirement Age) or 70 (better). Once you said "even though I don't need the income" the seals the decision. Unless you have really bad health you should wait and get the 76% higher check (plus inflation adjustment) at 70. The danger is not that you may lose some mone...
by theac
Thu May 12, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Re: Take my SS at 62 or wait?

Take it at 62! I sure am going to when the time comes at 62. Life's too short. Take it, save it, spend it, enjoy it. You never know the accident or sudden illness which may be around the corner (hopefully not, but you never know). Yeah that's what my gut tells me too (along with my itchy fingers!) ...
by theac
Thu May 12, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Take my SS at 62 or wait?
Replies: 123
Views: 15007

Take my SS at 62 or wait?

I turn 62 in August so could apply and get my first SS payment of $1,730 (per 2016 SS Statement) on Sept 1st. I've been thinking of doing it even though I don't need the income and all of it will just go in the bank, or maybe some of it into taxable bond funds / munis? (Statement says I would get $2...
by theac
Sun Feb 14, 2016 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: I have a "closed" Roth with $.02 in it.........
Replies: 8
Views: 1355

Re: I have a "closed" Roth with $.02 in it.........

I can't believe that what happened with me is the first time it has ever happened at Fidelity. Surely they have had this happen MANY MANY times over the years, and knew there was going to be some sort of balance (because of unpaid interest) on the Money Market Fund (?) after they sent "everything" o...
by theac
Sun Feb 14, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: I have a "closed" Roth with $.02 in it.........
Replies: 8
Views: 1355

Re: I have a "closed" Roth with $.02 in it.........

Yeah it doesn't seem to be a problem, been like that for many years now.

I always wondered if they purposely left that $.02 interest stay in there "accidentally" to keep the Roth alive hoping I might add some funds one day, which I never have nor will.
by theac
Sun Feb 14, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: I have a "closed" Roth with $.02 in it.........
Replies: 8
Views: 1355

I have a "closed" Roth with $.02 in it.........

Its the first one I ever opened, maybe in about 2000 (or earlier), then I later discovered Scottrade, so opened a small one there too, for buying a few stocks. But later I discovered Vanguard, and opened one there then transferred what I had at Fidelity over to Vanguard. The T-IRA roll-over from my ...
by theac
Mon Jan 07, 2013 5:32 am
Forum: Personal Investments
Topic: Tax Refund to iBonds - Electronic option?
Replies: 11
Views: 1352

Re: Tax Refund to iBonds - Electronic option?

Request your tax refund via direct deposit, specify routing number 051736158, and for the account number, use your Treasury Direct account number. The direct deposit will be placed in 0% C of I, which you can then use to buy bonds. There's also a feature where you can fill out a Treasury Direct for...
by theac
Wed Dec 12, 2012 8:12 pm
Forum: Investing - Theory, News & General
Topic: Switching from Tips to Ibonds
Replies: 36
Views: 4079

Re: Switching from Tips to Ibonds

Remember, there is a "backdoor method" to getting more money into your I-bond account and you have until the end of the year to do it. That is over withhold your taxes so you get a refund, which can be applied to I-bonds above the $10k limit. Not sure of any limitations to this, so you may need to ...