Search found 922 matches

by RetiredAL
Sat Sep 19, 2020 11:10 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 99
Views: 5442

Re: Quicken Disaster!

If you aren't going to use your backups when you need them, might as well just delete them and stop backing up entirely. I have tons of backups. I tried several of them over a wide variety of dates. All fail the same way. Have you checked to see if Windows OS has the file locked? The simplest way t...
by RetiredAL
Thu Sep 17, 2020 2:01 am
Forum: Investing - Theory, News & General
Topic: Moving my wife's investments to Schwab?
Replies: 64
Views: 4173

Re: Moving my wife's investments to Schwab?

In case it helps, Schwab was by far the easiest in terms of Powers of Attorney, etc. They accepted MIL's Trust docs and DPoA, neither of which used Schwab's own forms, and neither of which were signed/notarized in the presence of anyone from Schwab. In other words, the docs worked the way we though...
by RetiredAL
Tue Sep 15, 2020 4:11 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 104
Views: 5971

Re: Coping with Wildfire smoke

How about Idaho or Montana? Maybe rent a cheap house on Craigslist for a month. I would definitely go SOMEWHERE. No way I would want to breath smoke for weeks at a time. My DD in rural central MT said smoke is bad yesterday. Today, quite a few areas in MT currently show as unhealthy. I'll ask my So...
by RetiredAL
Tue Sep 15, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Rollover Procedural Question
Replies: 5
Views: 346

Re: 401k Rollover Procedural Question

My MIL is rolling her deceased husband’s 401k, of which she is the beneficiary, into an IRA in her own name at Fidelity. She wants to name her own beneficiaries which she cannot do as long as the money is in her husband’s old 401k. She will also receive a more favorable RMD factor with it being her...
by RetiredAL
Mon Sep 14, 2020 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance (LTC)
Replies: 10
Views: 1085

Re: Long Term Care Insurance (LTC)

Hello fellow bogleheads: I’m having a dilemma with long term care insurance. We took out policies from my spouse’s employer’s group plan in 2006 and continued with it after my spouse retired. There was one premium increase that I accepted. Now, with virtually no notice, I’ve learned that my premium...
by RetiredAL
Sun Sep 13, 2020 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Another "They're raising my LTC premium" posts
Replies: 14
Views: 1708

Re: Another "They're raising my LTC premium" posts

I would probably also choose the "decrease the inflation rate" of those options for a lower premium and just use the difference to invest and insure yourself. It's just a personal anecdote and single data point, but when I was helping a family member go through their estate when her husband passed,...
by RetiredAL
Sun Sep 13, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: [Question regarding password security]
Replies: 101
Views: 3188

Re: Security question on one's passwords

What I do HATE is any site that requires the use an E-mail address for the user-id. Hear! Hear! Fortunately more-and-more sites are allowing anything as a username so I use KeepassXC to generate two, unique, very complex "passwords" of different lengths. One I use as the username and the other as t...
by RetiredAL
Sun Sep 13, 2020 3:27 pm
Forum: Personal Consumer Issues
Topic: [Question regarding password security]
Replies: 101
Views: 3188

Re: Security question on one's passwords

Regarding breaches: do not get fooled by emails like this: Hi, I know one of your passwords is: blablah Your computer was infected with my private malware, your browser wasn't updated / patched, in such case it's enough to just visit some website where my iframe is placed to get automatically infec...
by RetiredAL
Sun Sep 13, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: [Question regarding password security]
Replies: 101
Views: 3188

Re: Security question on one's passwords

I separate how I handle passwords based on risk to me. I mean how much damage can someone do if they get my Netflix password? Is there some risk here that I am not considering? For that matter, I include credit card companies in the “not overly concerned” category. Don’t get me wrong, I still use a...
by RetiredAL
Sun Sep 13, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Another "They're raising my LTC premium" posts
Replies: 14
Views: 1708

Re: Another "They're raising my LTC premium" posts

I would probably also choose the "decrease the inflation rate" of those options for a lower premium and just use the difference to invest and insure yourself. It's just a personal anecdote and single data point, but when I was helping a family member go through their estate when her husband passed,...
by RetiredAL
Sun Sep 13, 2020 11:55 am
Forum: Personal Consumer Issues
Topic: bare-bones phone and cheapest prepaid plan for a kid
Replies: 37
Views: 1758

Re: bare-bones phone and cheapest prepaid plan for a kid

Our oldest kid will be 11 soon and becoming more independent. Do consider the angst you will be setting him up for when his peers find out he has the crappiest dinosaur phone in the group. That said, don't get him a $1000 phone either. As to what plan, well do it as an add to whatever plan you alre...
by RetiredAL
Sat Sep 12, 2020 9:18 pm
Forum: Investing - Theory, News & General
Topic: I want to verify if FXNAX is the Fidelity Equivalent of Vanguard's VBTLX
Replies: 18
Views: 1165

Re: I want to verify if FXNAX is the Fidelity Equivalent of Vanguard's VBTLX

fwiw Here's a comparison from Fidelity https://fundresearch.fidelity.com/fund-screener/results/compare/snapshot/averageAnnualReturnsYear3/desc/1?order=tickers&tickers=FXNAX%2CVBTLX It's interesting that despite being nearly identical and Fidelity having a slightly lower expense, Morningstar gives V...
by RetiredAL
Thu Sep 10, 2020 7:40 pm
Forum: Personal Investments
Topic: How do your minor children invest?
Replies: 19
Views: 1494

Re: How do your minor children invest?

I have UTMA's for my 2 Grand-kids. At age 2 and 5, it's a little early for them to even know of these accounts.

Their mother (DD) knows about them. She is also the next-in-line custodian.
by RetiredAL
Thu Sep 10, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Surge protector power strip - what to look for?
Replies: 49
Views: 2820

Re: Surge protector power strip - what to look for?

Strider wrote: Thu Sep 10, 2020 4:57 pm Late to this thread.

What does clamping voltage mean in this regard?

Strider
The voltage at which the MOV or other discharge device conducts, thus shunting the excess towards ground.

125V AC (RMS) has a peak voltage of near 180 volts, so the clamping has to be significantly above that.
by RetiredAL
Thu Sep 10, 2020 6:54 pm
Forum: Personal Investments
Topic: Is it Possible to Opt-out of Fidelity Premium Services?
Replies: 37
Views: 3847

Re: Is it Possible to Opt-out of Fidelity Premium Services?

...I wish I could Opt-Out of the "Premium Services" and remove some advisor name from appearing over my accounts. I could probably call and request this, but for now I'll leave things be. OP, this happened to me some 20 years ago with Fidelity. I believe it was for the same reason as you - my asset...
by RetiredAL
Thu Sep 10, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: Replacing a 20-year-old central air conditioning
Replies: 66
Views: 5863

Re: Replacing a 20-year-old central air conditioning

The biggest problem with Variable Speed AC Compressors is that the AC--> DC--> 3phase Inverter is a complex custom part, hence they to expensive to replace. Whereas a motor with relays used in single speed compressors is fairly immune to voltage surges, the 3phase inverters can easily be killed by a...
by RetiredAL
Tue Sep 08, 2020 2:11 am
Forum: Personal Investments
Topic: Wash Sale Notification – Fidelity
Replies: 17
Views: 1823

Re: Wash Sale Notification – Fidelity

Turning off the dividends re-investment is what I will do . Should I do this both in Roth and Brokerage or only in Brokerage ? Since I am not going to do BUY/SELL in ROTH at regular basis , any dividends generated in ROTH I would want those to get reinvested in the Fidelity. Will I have the same pr...
by RetiredAL
Mon Sep 07, 2020 10:39 pm
Forum: Personal Investments
Topic: Wash Sale Notification – Fidelity
Replies: 17
Views: 1823

Re: Wash Sale Notification – Fidelity

Wash Sale Notification – Fidelity I have recently opened a brokerage account, Roth account at Fidelity, apart from my 401k account, which is also with Fidelity. I moved about 5K to FUMBX in my brokerage account from core position on Friday. Also I moved 3K to FUMBX within my ROTH and did an exchang...
by RetiredAL
Mon Sep 07, 2020 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Large 2020 TIRA to Roth Conversion
Replies: 24
Views: 1714

Re: Large 2020 TIRA to Roth Conversion

We currently have about 54% of our savings in TIRAs. I probably would not do it without a clear benefit. There is a clear downside (IRMAA and NIIT) which could be OK with a clear upside. Is there one? There certainly could be if your tax-deferred account is very large and your can clearly see your ...
by RetiredAL
Sun Sep 06, 2020 4:12 pm
Forum: Personal Consumer Issues
Topic: Set up new iPad for MIL with dementia in nursing home
Replies: 20
Views: 1426

Re: Set up new iPad for MIL with dementia in nursing home

OP, I done similar with me elder Dad, but with a I-Mac. DW uses a I-PAD so I am familiar with it to. 1. No matter what you think, they will be times it will request/need the I-Pad password. Use a pin and mark it on the I-Pad for the staff. Although the I-Pad will try to get you to use 6 digits, you ...
by RetiredAL
Sat Sep 05, 2020 10:44 pm
Forum: Personal Consumer Issues
Topic: Surge protector power strip - what to look for?
Replies: 49
Views: 2820

Re: Surge protector power strip - what to look for?

Here is a good article on the issue. A common rule of thumb is to replace after three years. https://www.howtogeek.com/212375/why-and-when-you-need-to-replace-your-surge-protector/ As there are different levels of protection from surge strips, whole house devices vary also. While you may not get wh...
by RetiredAL
Sat Sep 05, 2020 6:46 pm
Forum: Investing - Theory, News & General
Topic: Buying Growth + Value funds rather than Total Market
Replies: 11
Views: 797

Re: Buying Growth + Value funds rather than Total Market

The cynic in me believes advisors do stuff like that to make it look more complex then it needs to be, so that it looks like they're managing something. You might have a harder time paying an adviser that was just buying a 'Total Market' fund and just letting it be as simple as that. JoMoney - You ...
by RetiredAL
Fri Sep 04, 2020 6:14 pm
Forum: Investing - Theory, News & General
Topic: Moving my wife's investments to Schwab?
Replies: 64
Views: 4173

Re: Moving my wife's investments to Schwab?

What I see are missing in your dialog is POA assignments, so when neither you nor your DW can do it, someone else, like your kids, can step in and do it. Financial Institutions are picky and want you to use their POA forms, not the general POA you normally do the estate planning. Processing their s...
by RetiredAL
Fri Sep 04, 2020 6:02 pm
Forum: Investing - Theory, News & General
Topic: Moving my wife's investments to Schwab?
Replies: 64
Views: 4173

Re: Moving my wife's investments to Schwab?

What I see are missing in your dialog is POA assignments, so when neither you nor your DW can do it, someone else, like your kids, can step in and do it. Financial Institutions are picky and want you to use their POA forms, not the general POA you normally do the estate planning. Processing their s...
by RetiredAL
Thu Sep 03, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: VG can't send email to me.
Replies: 9
Views: 816

Re: VG can't send email to me.

90%+ of all sent email is rejected by ISPs or email hosts as "spam" and does not reach the recipient at all. That is shocking. :shock: You need to go beat-up your ISP over them not recognizing a major company like Vanguard. Alternately, get a G-mail account and either check it or have it auto-forwa...
by RetiredAL
Thu Sep 03, 2020 12:32 pm
Forum: Investing - Theory, News & General
Topic: Moving my wife's investments to Schwab?
Replies: 64
Views: 4173

Re: Moving my wife's investments to Schwab?

My wife (80) and I (87) have all of our investments at Vanguard (except for I Bonds and SPIAs). A problem is that she will not use a computer....she won't even try. "How will you get to your money needs when I can't?", I constantly ask. Sigh. She has never really worried about that. "I will be fine...
by RetiredAL
Wed Sep 02, 2020 7:44 pm
Forum: Investing - Theory, News & General
Topic: SWAGX dividend vanished
Replies: 20
Views: 1198

Re: SWAGX dividend vanished

btw, the revised pay-out is 2.2% annualized. Not too shabby. My Fidelity FXNAX only paid 1.6%.
by RetiredAL
Wed Sep 02, 2020 7:26 pm
Forum: Investing - Theory, News & General
Topic: SWAGX dividend vanished
Replies: 20
Views: 1198

Re: SWAGX dividend vanished

I just looked.

I have an entry showing for -19.55 on 9/1 for 8/31 with a description of adjustment.
I have an entry showing for +16.22 on 9/2 for 8/31 with a description of cash dividend.

So it seems to me that they issued too big of a dividend, retracted it, and replaced it with a smaller dividend.
by RetiredAL
Wed Sep 02, 2020 6:09 pm
Forum: Personal Consumer Issues
Topic: Adding a UV light to my HVAC supply plenum
Replies: 24
Views: 1926

Re: Adding a UV light to my HVAC supply plenum

Out of curiosity, why UV and not a filter upgrade? What frequency of UV are you using? I guess I'm a little skeptical since typical UV treatments are X amount of energy for Y minutes at Z frequency. Not sure what a split second of treatment at indeterminate strength will do. At work we were having ...
by RetiredAL
Wed Sep 02, 2020 3:52 pm
Forum: Personal Investments
Topic: Any long-term issues with starting my teen out with Fidelity?
Replies: 31
Views: 1204

Re: Any long-term issues with starting my teen out with Fidelity?

My teen has had a few jobs over the past years, and now has more than 10k saved. In the past year, I've had him transfer it from a local credit union to at UTMA account at Fidelity. I have him invested in Fidelity ZERO Total Market Index Fund - which has a zero percent expense ratio. Thanks for bri...
by RetiredAL
Wed Sep 02, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: HVAC Communicating vs. non-communicating and Mini-split
Replies: 19
Views: 1179

Re: HVAC Communicating vs. non-communicating and Mini-split

ReiredAL, Thanks for the suggestion, but let me provide more details. 1. There is no thermostat upstairs. 2. Tall windows are poorly insulated (we've just put up 7 pair of blackout drapes from Costco). 3. Upstairs is facing south and southwest all afternoon. 4. There is no attic fan. 5. Downstairs'...
by RetiredAL
Wed Sep 02, 2020 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Offered a 2nd job (contract) Any pitfalls?
Replies: 33
Views: 1681

Re: Offered a 2nd job (contract) Any pitfalls?

OP, I would be very leery of have two full-time jobs. Your current employer will not like that. If the the new place really wants you, they'll accept you as an hourly paid part-timer. You could guarantee them 20 hrs a week and occasional surges. Your current employer could get quite fickle about thi...
by RetiredAL
Wed Sep 02, 2020 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Wife's health insurance dropped all dependents
Replies: 22
Views: 2741

Re: Wife's health insurance dropped all dependents

Thanks everyone, wife called and we are reinstated now, as of 12AM tonight. However there is still that doctors bill to pay, I'll see if the medical center can reduce it somewhat? What is your suggestion on that? Asked them to re-instate you back to 2 months ago. They can cover you retroactively up...
by RetiredAL
Tue Sep 01, 2020 7:57 pm
Forum: Personal Consumer Issues
Topic: Insulation and air sealing quote - does this seem reasonable?
Replies: 18
Views: 1185

Re: Insulation and air sealing quote - does this seem reasonable?

2800 square foot ranch, difficult areas to get to in the attic. Just got a quote of $5250 for the following: Thoughts? I currently have insulation of R20 in the attic and my electricity bills run $250 in the summer and up to $800 in the winter. Will having this done pay off? Thanks! Does understand...
by RetiredAL
Tue Sep 01, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: Insulation and air sealing quote - does this seem reasonable?
Replies: 18
Views: 1185

Re: Insulation and air sealing quote - does this seem reasonable?

2800 square foot ranch, difficult areas to get to in the attic. Just got a quote of $5250 for the following: Thoughts? I currently have insulation of R20 in the attic and my electricity bills run $250 in the summer and up to $800 in the winter. Will having this done pay off? Thanks! Does understand...
by RetiredAL
Tue Sep 01, 2020 6:09 pm
Forum: Personal Investments
Topic: Tips on investing play money
Replies: 37
Views: 2055

Re: Tips on investing play money

Thanks for the responses. 1) For those that don't approve, I appreciate you trying to steer me in the right direction. I can only say that I have been following the Boglehead way for over 20 years and am quite satisfied. This play money in no way detracts from my investing beliefs. It is more akin ...
by RetiredAL
Tue Sep 01, 2020 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7265

Re: Continuing Care Retirement Community Entrance Fee

Depending on the state and its current Covid rates, you should not assume that the miserable isolation of a CCRC or Skilled Nursing Home is the worst possible thing. For five months, I was prohibited from visiting my mother in a NJ nursing home. But they have had very few deaths, and the care remai...
by RetiredAL
Tue Sep 01, 2020 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7265

Re: Continuing Care Retirement Community Entrance Fee

Yes, I agree and we will try to make the in-home care work if not an unreasonable burden to family. Prudence - a perspective. For my Dad just last year, I looked at 24hr home care vs Assisted Living. Home care would have run 18-19K per month. A Calif MCOL area. As my Mom declined before she passed ...
by RetiredAL
Tue Sep 01, 2020 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7265

Re: Continuing Care Retirement Community Entrance Fee

Yes, I agree and we will try to make the in-home care work if not an unreasonable burden to family. Prudence - a perspective. For my Dad just last year, I looked at 24hr home care vs Assisted Living. Home care would have run 18-19K per month. A Calif MCOL area. As my Mom declined before she passed ...
by RetiredAL
Mon Aug 31, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: CARE Act + early retirement + ACA cliff
Replies: 22
Views: 1615

Re: CARE Act + early retirement + ACA cliff

<<Most of this money is being used to pay down most of my mortgage. With the market where it is, it seemed like a good time. >> Bad idea! This is the money that you could use for your expenses while doing Roth conversion. OP, I agree with KlangFool. Doing so is a bad idea. Whatever you amount you d...
by RetiredAL
Mon Aug 31, 2020 12:57 am
Forum: Personal Investments
Topic: Monthly pension lump sum offer / what would you have done
Replies: 5
Views: 786

Re: Monthly pension lump sum offer / what would you have done

So what would you have done. Kept the certainty of the monthly payment, or taken the lump sum and invested. I retired a little more than 4 years ago and took my Pension as a Lump-sum into an IRA, invested with a 55/45 AA. Each month, until this past March, I've withdrawn what my monthly pension ben...
by RetiredAL
Sun Aug 30, 2020 12:25 am
Forum: Personal Consumer Issues
Topic: HVAC Communicating vs. non-communicating and Mini-split
Replies: 19
Views: 1179

Re: HVAC Communicating vs. non-communicating and Mini-split

illumination and suemarkp, Current 15-year old tempest AC is a 5-ton unit. A 4-ton was proposed with the communicating controller. We moved in here about 6 weeks ago, during the hottest part of the summer. I was told most houses are warm in the winter upstairs since some folks actually sleep there ...
by RetiredAL
Sat Aug 29, 2020 10:44 pm
Forum: Personal Consumer Issues
Topic: Micro cassette voice recordings - how to preserve / save?
Replies: 19
Views: 1399

Re: Micro cassette voice recordings - how to preserve / save?

I would find a micro cassette player that has an audio out jack, and hard wire that to a computer running something like Audacity to rip them to digital files. I'd second that. Older computers had a separate microphone input jack. Most computers these days take a combined 3.5mm plug for both stereo...
by RetiredAL
Sat Aug 29, 2020 11:50 am
Forum: Personal Investments
Topic: Fidelity 401k to Vanguard 401k direct rollover not possible?
Replies: 19
Views: 1129

Re: Fidelity 401k to Vanguard 401k direct rollover not possible?

I believe I have read that it is possible to do an in-kind rollover from a Fidelity 401(k) to a Fidelity IRA. I know Schwab allows this because I have done it myself. Once the assets are in the IRA, you can transfer them in-kind to a brokerage that you desire. Yes, I recently went through this afte...
by RetiredAL
Sat Aug 29, 2020 11:18 am
Forum: Personal Finance (Not Investing)
Topic: ‘Play money’ invested by Dad growing huge - what would you do?
Replies: 99
Views: 13094

Re: ‘Play money’ invested by Dad growing huge - what would you do?

+1. It was never really "your" money anyway, unless your name is on the account. You'll be fine either way, as user above described. Good luck! Go back and read the original post. This was in a UTMA account. It was irrevocably his money the money was gifted to the UTMA account. It is either still a...
by RetiredAL
Fri Aug 28, 2020 6:04 pm
Forum: Personal Investments
Topic: Financial Advisor (Morgan Stanley) wants to end relationship with ("fire") my grandfather
Replies: 62
Views: 6775

Re: Financial Advisor (Morgan Stanley) wants to end relationship with ("fire") my grandfather

Exactly. If they had a problem with the request for a high-level plan they could have said that's not something we can do. They never even said that. No offer to get pushed to a more novice MS advisor willing to take a lower fee account either. I have been the Trustee to my Dad's Trust for many yea...
by RetiredAL
Fri Aug 28, 2020 2:09 am
Forum: Personal Finance (Not Investing)
Topic: Capital One credit card limit reduced
Replies: 38
Views: 2888

Re: Capital One credit card limit reduced

As a corollary to this "reduced" discussion, I've received a notice from my bank that they are upping our ATM Card's daily buying limit to $5k/day. I did not request this, nor do I want it that high. These ATM cards have a withdrawal limit of $700, so why so high of a buying limit? So while banks ar...
by RetiredAL
Thu Aug 27, 2020 9:56 pm
Forum: Personal Investments
Topic: Tax gain harvesting partner fund
Replies: 8
Views: 466

Re: Tax gain harvesting partner fund

For my grandkid's UTMAs at Schwab, in the past I've sold gains and re-bought same the next day. Right now, their accounts are 1/3 SCHG (Growth) and 2/3 SCHK (Schwab 1000). I have only harvested Gains so far. If I harvest losses, besides being careful with dividends in other accounts, I'll just use a...
by RetiredAL
Thu Aug 27, 2020 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One credit card limit reduced
Replies: 38
Views: 2888

Re: Capital One credit card limit reduced

A few months ago we had a long thread about Chase reducing limits for many holders of its credit cards: Chase reducing credit card limits The general conclusion was that they did this to reduce their risk of potential defaults in the wake of the pandemic. Perhaps Capital One is doing the same thing...
by RetiredAL
Wed Aug 26, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: Question about Password Managers
Replies: 74
Views: 3602

Re: Question about Password Managers

Certain readers of this thread may be interested in this -

Ross Anderson is doing a "crowd" edit of his upcoming 3rd edition of "Security Engineering".

https://www.cl.cam.ac.uk/~rja14/book.html

Below the new chapters are the 2nd edition chapters.