Search found 53 matches

by MPLSTCH
Thu Nov 01, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: How to calculate SS at age 64
Replies: 4
Views: 722

How to calculate SS at age 64

My wife is retiring next week and plans on filing for SS. She turned 64 in June of this year. The SS web site shows benefit amounts for ages 62, 66, and 70. How do we figure the benefit for ages 64 and 65?
by MPLSTCH
Wed Oct 24, 2018 6:27 am
Forum: Investing - Help with Personal Investments
Topic: NUA capital gains and NIIT Tax
Replies: 4
Views: 208

NUA capital gains and NIIT Tax

I am trying to verify tax details on when the 3.8% Medicare Tax applies. I have read a number of articles that indicate: Capital Gains that are a result of net unrealized appreciation treatment (company stock in 401K) are exempt from the 3.8% tax. company stock transfer to brokerage account.....tax ...
by MPLSTCH
Sat Oct 20, 2018 4:51 am
Forum: Investing - Help with Personal Investments
Topic: Help me understand
Replies: 16
Views: 1751

Re: Help me understand

we have never owned CD's. They seem like an option to consider. Comparing interest rates is pretty easy to do..........what other specifics should we look for, or be on the watch for?
by MPLSTCH
Fri Oct 19, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: 401k Question whose name is best
Replies: 3
Views: 279

Re: 401k Question whose name is best

Thanks.........this is what I figured. We'll set both accounts up under her name.
by MPLSTCH
Fri Oct 19, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: 401k Question whose name is best
Replies: 3
Views: 279

401k Question whose name is best

We will be rolling over my wife's 401K in 3-4 weeks. I am setting up an IRA and a brokerage accounts at Fidelity. Should we set these up in both our names.......or does it matter?
by MPLSTCH
Wed Oct 17, 2018 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Help me understand
Replies: 16
Views: 1751

Help me understand

We will be doing a 401k rollover (retiring) to Fidelity in about a month. I have chosen FSKAX, Total Market Institutional Premium as a home for about 359K. I am torn on what to do with the remaining 235K. We look at bonds and see a loss year to date. Would we be better of with CD's or a high yield s...
by MPLSTCH
Wed Sep 19, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Patio furniture covers
Replies: 8
Views: 764

Re: Patio furniture covers

Never had covers for our patio furniture. And since your furniture will sit in a screened porch, I don't see the need for covers. I have friends that had covers because they had messy trees which left debris and tannin stains on their outdoor furniture. The covers stiffened and rotted in the sun an...
by MPLSTCH
Wed Sep 19, 2018 5:45 am
Forum: Personal Consumer Issues
Topic: Patio furniture covers
Replies: 8
Views: 764

Patio furniture covers

Just bought a new patio furniture set, and need to get some covers for it. I have never had covers before, and am not sure what to buy. The furniture sits inside a screened in porch........not sitting in sun or rain. Anybody have good luck with any brand in particular?
by MPLSTCH
Fri Sep 07, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Good place to have a will done
Replies: 6
Views: 772

Good place to have a will done

I know nothing about wills, except that we should have one. Where is a good place to get one set up?
by MPLSTCH
Fri Aug 24, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity index funds
Replies: 14
Views: 2022

Fidelity index funds

doing a 401k rollover upon retirement in early October.
Fidelity is the likely target. with about 600k to invest......where would you put it?
We have no other accounts outside the 401k
by MPLSTCH
Tue Aug 21, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: 401K rollover time allowed
Replies: 13
Views: 857

Re: 401K rollover time allowed

Wife and I plan to move her 401K this year as follows: Vanguard Index Funds to Vanguard, Schwab, or Fidelity. Uncertain who we will use Company stock (in kind) to a brokerage account How much time should we allow for this to complete. If we want it to occur in 2018 tax year....how much time should ...
by MPLSTCH
Tue Aug 21, 2018 6:23 am
Forum: Investing - Help with Personal Investments
Topic: 401K rollover time allowed
Replies: 13
Views: 857

Re: 401K rollover time allowed

Wife and I plan to move her 401K this year as follows: Vanguard Index Funds to Vanguard, Schwab, or Fidelity. Uncertain who we will use Company stock (in kind) to a brokerage account How much time should we allow for this to complete. If we want it to occur in 2018 tax year....how much time should ...
by MPLSTCH
Mon Aug 20, 2018 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: 401K rollover time allowed
Replies: 13
Views: 857

Re: 401K rollover time allowed

Wife and I plan to move her 401K this year as follows: Vanguard Index Funds to Vanguard, Schwab, or Fidelity. Uncertain who we will use Company stock (in kind) to a brokerage account How much time should we allow for this to complete. If we want it to occur in 2018 tax year....how much time should ...
by MPLSTCH
Mon Aug 20, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: 401K rollover time allowed
Replies: 13
Views: 857

Re: 401K rollover time allowed

Those 3 brokerages probably all accept company stock and 401k, so why not use same company? Hopefully your company stock is not a large % of your portfolio, or you might want to sell some. Make your decision and move ASAP. We do plan on using the same company for both 401k Index funds and company s...
by MPLSTCH
Sun Aug 19, 2018 6:45 am
Forum: Investing - Help with Personal Investments
Topic: 401K rollover time allowed
Replies: 13
Views: 857

401K rollover time allowed

Wife and I plan to move her 401K this year as follows: Vanguard Index Funds to Vanguard, Schwab, or Fidelity. Uncertain who we will use Company stock (in kind) to a brokerage account How much time should we allow for this to complete. If we want it to occur in 2018 tax year....how much time should w...
by MPLSTCH
Sun Jun 24, 2018 5:23 am
Forum: Personal Consumer Issues
Topic: Car for my grand daughter
Replies: 13
Views: 1084

Car for my grand daughter

My grand daughter asked me to give her ideas on the kind of car she should buy for about 2000.00. I was thinking Accord, Corolla, Civic etc.

Looking for others input/recommendations
by MPLSTCH
Sat Mar 31, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Customer Service with Vanguard
Replies: 108
Views: 8015

Re: Customer Service with Vanguard

I am interested in the response you get. Later this year I will be rolling over a 401K to one of the big three. Since my 401K holdings are in several Vanguard funds, my lean has been towards them. I am concerned over the same issues you have brought up. Glad you put it out there.
by MPLSTCH
Thu Mar 01, 2018 6:31 am
Forum: Investing - Help with Personal Investments
Topic: What should I know to open a Roth for my graduating granddaughter
Replies: 9
Views: 1059

What should I know to open a Roth for my graduating granddaughter

I guess I am looking for pointers. I am thinking of opening a Roth for my granddaughters graduation. She is 18....I would probably start her with 500.00 or so. Can she have an account at 18? Is anyone better for this....Schwab, Fidelity, Vanguard ? I do not have much experience with this since I onl...
by MPLSTCH
Sat Feb 24, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Roof Shingle Recommendations
Replies: 26
Views: 2520

Re: Roof Shingle Recommendations

I have used GAF Timberline Architectural twice. Years ago when the roof needed replacing..... and recently when a hail storm required replacement. They are a good heavy shingle that looks great installed.
by MPLSTCH
Sat Jan 27, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Novice needs ideas on fixing 401K and NUA company stock treatment
Replies: 27
Views: 1443

Re: Novice needs ideas on fixing 401K and NUA company stock treatment

OP, I recently completed an NUA Rollover and wanted to lay out a few additional alternative besides just selling the shares. 1. Perhaps your wife can retire earlier to reduce the risk, it would be a shame to sell the NUA eligible stock before rolling to Taxable and loosing the NUA treatment. 2.not ...
by MPLSTCH
Fri Jan 26, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Veterans-Medicare coordinate?
Replies: 6
Views: 359

Re: Healthcare Veterans-Medicare coordinate?

I hope I am asking this question in the correct area. Wife's and my situation...... I am retired for the most part. My wife is still employed and has healthcare for the both of us. She will be retiring soon, and will be purchasing COBRA until Medicare eligible. I have always used her insurance for ...
by MPLSTCH
Fri Jan 26, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Novice needs ideas on fixing 401K and NUA company stock treatment
Replies: 27
Views: 1443

Re: Novice needs ideas on fixing 401K and NUA company stock treatment

We are looking at possibly a 70/30 AA, but are open to all input. I'd have to say this is a very aggressive stance for a couple entering retirement. If you had more money than you'll ever need, it would make sense - you might be investing for your heirs. But I don't think you clearly have more mone...
by MPLSTCH
Fri Jan 26, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Veterans-Medicare coordinate?
Replies: 6
Views: 359

Healthcare Veterans-Medicare coordinate?

I hope I am asking this question in the correct area. Wife's and my situation...... I am retired for the most part. My wife is still employed and has healthcare for the both of us. She will be retiring soon, and will be purchasing COBRA until Medicare eligible. I have always used her insurance for h...
by MPLSTCH
Fri Jan 26, 2018 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Novice needs ideas on fixing 401K and NUA company stock treatment
Replies: 27
Views: 1443

Re: Novice needs ideas on fixing 401K AA

indexfundfan........ the company stock must stay in the 401 plan until my wife retires. Are you sure? The company stock must stay in the 401k until the entire 401k plan is distributed. But since she is already past 59.5, it is possible it could all be distributed now. The law allows distributions a...
by MPLSTCH
Wed Jan 24, 2018 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Novice needs ideas on fixing 401K and NUA company stock treatment
Replies: 27
Views: 1443

Re: Novice needs ideas on fixing 401K and NUA company stock treatment

59.93% Company Stock................................................................864,464 .........Quarterly dividends = 1,972......maybe more this year .........Cost basis = 43,482 It doesn't have to be all or none on the NUA. Your cost basis is only about 5% of market value. That's seems pretty...
by MPLSTCH
Wed Jan 24, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Novice needs ideas on fixing 401K and NUA company stock treatment
Replies: 27
Views: 1443

Re: Novice needs ideas on fixing 401K AA

Let me see if I understand this correctly. If she exercises the NUA option at retirement, she will pay tax (ordinary rate) on the $43k basis with 2018 taxes. And if she sells the entire lot of company stock in one year, she will pay capital gains tax on $820k. The top portion of that (maybe $400k o...
by MPLSTCH
Wed Jan 24, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Novice needs ideas on fixing 401K and NUA company stock treatment
Replies: 27
Views: 1443

Re: Novice needs ideas on fixing 401K AA

MPLSTCH, I'm not sure about your asset allocation, but it looks like you are around 90% equity, including way too much in company stock and too much debt. With the current amount in retirement assets, what would be your needed annual withdrawal rate, in percent of current assets? I'm asking because...
by MPLSTCH
Wed Jan 24, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Novice needs ideas on fixing 401K and NUA company stock treatment
Replies: 27
Views: 1443

Re: Novice needs ideas on fixing 401K AA

ChinchillaWhiplash............. I agree in getting rid of the debt asap. It would have to come from funds from the 401K though. We are considering doing just that upon retirement
by MPLSTCH
Wed Jan 24, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Novice needs ideas on fixing 401K and NUA company stock treatment
Replies: 27
Views: 1443

Re: Novice needs ideas on fixing 401K AA

indexfundfan........ the company stock must stay in the 401 plan until my wife retires. She then can move the stock into a taxable account to position it for selling. She would like to sell it all in one shot.....but was wondering if she could still do that and stay in 15 % Capital Gains rate.
by MPLSTCH
Wed Jan 24, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Novice needs ideas on fixing 401K and NUA company stock treatment
Replies: 27
Views: 1443

Novice needs ideas on fixing 401K and NUA company stock treatment

My wife's 401K holds the lions share of our retirement savings. Early in her career her company paid a 50/50 stock and cash bonus. They no longer do this....however the stock has just been sitting in the 401K. I am mostly retired, with a part time home based business. My wife could be retiring as so...
by MPLSTCH
Fri Jan 19, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 6271

Re: 4k UHD TVs worth it?

recently bought the 55" LG OLED and love it. They can be had for under 1500.00. Buy it with your Citi Costco Visa and use the price rewind feature. I did just that and ended up paying about 1100.00 for the set. You are not locked in to COSTCO..... you can buy anywhere
by MPLSTCH
Wed Nov 29, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 6185

Re: best cordless drill??

There are a lot of decent cordless drills out there. I have two sets that have drill, impact driver, and light....... and 18V Makita and a 12V Dewalt. Bought the Dewalt for its size and light weight. It has terrific torque....so much so that I do not use the Makita anymore. My vote goes for a 12V De...
by MPLSTCH
Sat Nov 25, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Social Security Question
Replies: 5
Views: 1280

Re: Social Security Question

Many thanks.............exactly the info I was looking for.
by MPLSTCH
Fri Nov 24, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Social Security Question
Replies: 5
Views: 1280

Social Security Question

I have a question when filing for SS benefits. I know at each birthday from 62 to 63 to 64 etc. that your benefit increases. My question is, does your benefit amount increase as you near your next birthday? In other words..... if a benefit at 62 is 1600.00 and your benefit at 63 is 1728.00 ....is th...
by MPLSTCH
Fri Nov 24, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 2079

Re: Which model treadmill to buy

If you consider the used option....... Pacemaster would be hard to beat. These units are very strongly built and smooth. If mine broke, I would look for another used one. My daughter ended up buying one as well. They can be hard to find though. New they sold for 2000.00+..... used, about 400-500.00
by MPLSTCH
Tue Nov 07, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 50
Views: 6014

Re: Considering a LG 55" OLED TV

Found something interesting when I set up the OLED55B7A. I was not expecting Dolby Atmos...... but found it "not grayed out" and available. The TV did go through an "online update" before I sat down to make picture adjustments. Maybe the update added the Dolby Atmos capability ??? Or maybe it was av...
by MPLSTCH
Thu Nov 02, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 50
Views: 6014

Re: Considering a LG 55" OLED TV

Thanks William104..... for the link. I had Best Buy match the price, and purchased the LG Oled 55". I think the 1549.00 price is as good as it will get for awhile. Now just waiting for todays delivery
by MPLSTCH
Fri Oct 27, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Signing up for social security
Replies: 14
Views: 1824

Re: Signing up for social security

I signed up online last October without a problem. I did not have any disability, which you may have a right to (I do not know the parameters for this). My first deposit was made in mid December
by MPLSTCH
Fri Oct 27, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 50
Views: 6014

Considering a LG 55" OLED TV

I am ready to replace an old JVC TV. It has been good, but it is getting tired. I have been looking at an LG 55" OLED set at our local COSTCO that has a beautiful picture. They currently have it at 1799.00......but I am waiting to see if it comes down near Black Friday. Does anyone here have one of ...
by MPLSTCH
Fri Jun 16, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Happy Fathers Day - got me a used Weber grill!
Replies: 26
Views: 4282

Re: Happy Fathers Day - got me a used Weber grill!

If you find a Craigslist Weber Rocky Mountain Smoker (Weber Bullet) BUY IT ! I have had one for years .......smoker holds temp for 12 hours easily, without adding fuel. Smoked pulled pork YUM
by MPLSTCH
Tue Jun 06, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Home siding thoughts
Replies: 32
Views: 4469

Home siding thoughts

My Ranch/Rambler type home needs painting..... and I am thinking about siding instead. Looking opinions, experiences, on vinyl or aluminum siding.
by MPLSTCH
Thu Jun 01, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Seresto Flea and Tick collar
Replies: 4
Views: 681

Re: Seresto Flea and Tick collar

good news...........I ordered a couple of these today.
by MPLSTCH
Wed May 31, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Seresto Flea and Tick collar
Replies: 4
Views: 681

Seresto Flea and Tick collar

I need to get a flea and tick product for a cat and a dog. Has anyone tried the Seresto 8-month collar? I would hate to drop 55.00 on a collar that did not work. Would consider an alternate product, so long as it works
by MPLSTCH
Wed May 10, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Need opinion HDHP/HSA vs Traditional health plan
Replies: 5
Views: 689

Re: Need opinion HDHP/HSA vs Traditional health plan

For in network services, the Traditional plan has no deductible

Premium for Traditional plan is 4992.00 annual
Premium for the HSA plan is 3000.00 annual
by MPLSTCH
Wed May 10, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Need opinion HDHP/HSA vs Traditional health plan
Replies: 5
Views: 689

Need opinion HDHP/HSA vs Traditional health plan

After 25 years of the same Traditional Health plan, my wifes employer is now pushing a HDHP/HSA plan. We have to choose in the next 30 days or so. I would like input from anyone with experience in this area. Details Me - age 62, diabetic, previous heart issues, on 7 meds Wife - age 63, healthy, on 1...
by MPLSTCH
Tue Apr 18, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Which book is best to start with ?
Replies: 12
Views: 1600

Re: Which book is best to start with ?

Many thanks for all the suggestions. I know where to start............and will be back here with questions; I am sure

Knowing me.....I'll end up reading them all
by MPLSTCH
Tue Apr 18, 2017 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Which book is best to start with ?
Replies: 12
Views: 1600

Which book is best to start with ?

We are within a year or two of retirement. Which book is geared more towards us? Should one or the other be read first?

Bogleheads Guide to Investing
Bogleheads Guide to Retirement Planing
by MPLSTCH
Fri Apr 07, 2017 4:56 am
Forum: Investing - Help with Personal Investments
Topic: What happens if my company is bought ?
Replies: 0
Views: 473

What happens if my company is bought ?

My company is a public company, with a 401k that I am a part of. I hold a number of shares of employer stock in the 401k. I plan move the stock into a tax advantaged account and sell the shares of my company's stock when I retire in the next year or so. Since the shares have appreciated a great deal...
by MPLSTCH
Tue Mar 28, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Our Risky 401K
Replies: 19
Views: 1870

Re: Our Risky 401K

Thanks for all the input. I will be checking with the 401K plan administrator on my options. I think I am going to learn that "while with the employer" I'll not be able to move the stock out of the 401K and into a taxable account. I'll end up in the 25% bracket rather than 15% ..... so it looks like...
by MPLSTCH
Tue Mar 28, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Our Risky 401K
Replies: 19
Views: 1870

Re: Our Risky 401K

gclancer......we will likely be in the 15% tax bracket