Search found 176 matches

by RetiredAL
Tue Jan 22, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Best home medical alert systems
Replies: 10
Views: 475

Re: Best home medical alert systems

From recent experiences with my 94 yr old Dad. He has a GreatCall pennant, but it was in the bedside charger when he got up during the night to got to the bathroom. Hours later, when he did not show up for church, church friends came looking for him. They could not see him, so they broke a window to...
by RetiredAL
Wed Jan 16, 2019 4:50 pm
Forum: Investing - Theory, News & General
Topic: When/why have you needed customer service from Fido, VG, Schwab etc.?
Replies: 30
Views: 1520

Re: When/why have you needed customer service from Fido, VG, Schwab etc.?

2 years ago, a small $ roll-over from my DW's work plan intended for her Schwab IRA went amuck and ended up in her Roth due to a transcriptional error on the paperwork. The check and paperwork was submitted to a local office. When checking for the deposit 2 days later to invest it, it was found to b...
by RetiredAL
Sat Jan 12, 2019 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity POA on IRAs
Replies: 2
Views: 301

Re: Fidelity POA on IRAs

My wife and I have cross-filed POA's for our IRA's at both Fidelity and Schwab. Off the top of my head, I think the POA Agent can do anything except change the Beneficiaries.
by RetiredAL
Sat Jan 12, 2019 2:12 pm
Forum: Investing - Theory, News & General
Topic: Schwab SWSXX going away
Replies: 37
Views: 2641

Re: Schwab SWSXX going away

I take care of several personal and family accounts at Schwab. A couple of the older ones have SWSXX as the core. For the others, I've been using SWSVXX for all but a small cash position. This has not created any issues for me to date. Other than having the one extra step for the occasional transact...
by RetiredAL
Sat Jan 12, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Genworth premium increase
Replies: 23
Views: 1961

Re: Genworth premium increase

My Dad's Genworth LTC premium just came 2 days ago, and it has a 7% increase. I will pay it. He's currently in a nursing facility, however he may be discharged today. I have not yet reconciled it for home care, but if he goes to assisted living, the coordinator said it was valuable. He is 94 and has...
by RetiredAL
Sat Jan 12, 2019 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover - why checks instead of wiring funds?
Replies: 42
Views: 2479

Re: Rollover - why checks instead of wiring funds?

My wife has 401k funds sitting at the custodian (Slavic) of a previous employer. They have been good, and the funds she has there are all Vanguard. That said, we want to rollover everything to Vanguard. I've been looking over the process. It says we'll have to fill out paperwork, mail it, then have...
by RetiredAL
Sat Jan 05, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7778

Re: United, American, Delta--about the same?

An item to remember, not too many months ago United chose to forcefully police evict a already seated passenger because their few hundred dollar compensation did not attract any takers. About the same time period, Delta was paying compensation into the low $1000's when they got in a pinch. It's abou...
by RetiredAL
Thu Jan 03, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Hughes internet
Replies: 16
Views: 972

Re: Hughes internet

My daughter lives in MT and for 2 yrs used a Wide-Area Microwave system several years back. It worked pretty well for her. She was in a small town, cable was available, but as she had no use for cable TV, and the radio system was cheaper. Cost was a hundred to install. Fast forward to now, she's bac...
by RetiredAL
Wed Dec 12, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Replacing a gas furnace and electric AC: when and how much?
Replies: 25
Views: 1525

Re: Replacing a gas furnace and electric AC: when and how much?

Yesterday I had my gas furnace serviced. Nothing was wrong with it, just the yearly checkup. The technician said it had a bad capacitor on the motor and I replaced it. It only cost $80 (part and labor). Words of wisdom to all: When a Starter Capacitor fails, the motor will not start. Unless the Cap...
by RetiredAL
Tue Dec 11, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund for UTMA Accounts
Replies: 15
Views: 668

Re: Mutual Fund for UTMA Accounts

I have been TaxGain harvesting my Grandson's UTMA account held at Schwab. I've sold and bought back the next day the same Schwab ETF. Last year, a tax return had to be filed, but no tax was due. If this year ends up a significant enough $ loss, I'll TaxLoss harvest it too. I say significant enough, ...
by RetiredAL
Mon Dec 10, 2018 12:25 am
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3262

Re: Attic insulation-R30 to R60 worth it?

I direct your attention to the first graph, which explains what I was saying. It's referencing a "Wall" but insulation is insulation vertical or horizontal. Let the Link wars begin... :? Insulation values savings in walls and ceilings are not the same. Extra insulation in ceilings has higher benefi...
by RetiredAL
Sun Dec 09, 2018 1:34 am
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3262

Re: Attic insulation-R30 to R60 worth it?

DVA79 To help your decision, go the this site and understand how much much actual heat ( btu's/hr ) flows thru insulation and windows. With basic data, you can better judge if more insulation is a good value for you. Note that comfort and feeling good environmentally often trumps the value. https://...
by RetiredAL
Thu Dec 06, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Do I have a rebate, subsidy, savings for you!
Replies: 23
Views: 2047

Re: Do I have a rebate, subsidy, savings for you!

I agree with the OP and many of the followup comments. My local newspaper rate slowly climbed across about 2 years from $110 per quarter to $180, then jumped in a single billing cycle to $225. I called to cancel, they offered me a new rate of $85 a quarter, which I took. Their model is obviously inc...
by RetiredAL
Tue Dec 04, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Power of attorney for Mom?
Replies: 12
Views: 1002

Re: Power of attorney for Mom?

Hello all, ..... She mentioned today that she wants to give me a general power of attorney, '"just in case she goes crazy or whatever, etc", her words. My experience has been that most financial places want their own POA filled out. But do get a general POA to cover whatever. And don't forget about...
by RetiredAL
Mon Dec 03, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Roths With One Brokerage
Replies: 16
Views: 1262

Re: Multiple Roths With One Brokerage

Thank you Alan. My first Roth dates back to the 2nd year of when Roth's could be done.
by RetiredAL
Mon Dec 03, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Roths With One Brokerage
Replies: 16
Views: 1262

Re: Multiple Roths With One Brokerage

BigJohn and Silk McCue -- Thanks. That is what I originally thought was the criteria, but I got worried after reading the initial comments. Additionally, I did not realize they use Jan 1 of the year, so the Roth conversion account I created in Dec 2016 will be considered as 3 years come Jan 1. Per t...
by RetiredAL
Sun Dec 02, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Roths With One Brokerage
Replies: 16
Views: 1262

Re: Multiple Roths With One Brokerage

There is no tax reason to keep them separate. There are different beneficiary scenarios, and it is not clear what you are thinking about the beneficiaries. Are they to inherit different %s of the account? Do they not get along? Is one detail minded and another a procrastinator? There could well be ...
by RetiredAL
Sat Dec 01, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10808

Re: Why is Costco gas so much cheaper

Location: In the middle of Sillycone Valley, the great state of Taxifornia.

At the Costco near the San Jose Airport: $3.09.

There are 8 other stations within a 3 miles radius. The lowest is $3.59 and the highest is $3.99
by RetiredAL
Wed Nov 28, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4282

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

Use gas that meets Top Tier specs (cleaner) and a full synthetic oil and you shouldn't have issues. This is the key to preventing carbon deposits in direct fuel injection engines. There is validity for using a oil that emits less vapors. However, getting that info is generally not be easy. Syntheti...
by RetiredAL
Wed Nov 28, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4282

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

CU, As I've posted before, the issue with with Turbo Charged, which are typically Direct Injection engines, is that the Crankcase Ventilation system don't work well while in Boost, thus they do a poorer job of getting rid of harmful vapors from the crankcase and oil systems. A LA, oil dilution. On a...
by RetiredAL
Wed Nov 14, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 75
Views: 5169

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

So, I just did a little analysis. My conclusion: this "bucket" strategy doesn't appear to be worth the time and trouble, at least based on results during a time period where it clearly should have worked. Solution: rebalance to maintain your policy allocation and take withdrawals from the total por...
by RetiredAL
Mon Nov 12, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: Paycheck in retirement
Replies: 5
Views: 2041

Re: Paycheck in retirement

CW, The bulk of our "paycheck" comes out of a S/T Treasury Bond fund in my Pension Lump Sum derived IRA account. Every 6 months, I replenish that fund back up to 18 months of worth of withdrawals, maintaining an 55/45 equity ratio. Even with 6.5% withdrawals to this account, at 2.5 years into retire...
by RetiredAL
Mon Nov 12, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790139

Re: U.S. stocks in freefall

I normally don't even open this thread. IMO, it's a waste.

Here's why: Since the time of the first post, the value an SP500 investment has risen to about 245% of the original.
by RetiredAL
Mon Nov 12, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Kids Inheritance - Lump Sum or SWR?
Replies: 13
Views: 1287

Re: Kids Inheritance - Lump Sum or SWR?

My 3 kids are all in their 30's. Lump Sum, equal amounts.

Grand-kids: UTMA at age 21.
by RetiredAL
Tue Nov 06, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: TIRA Transfer Fiasco
Replies: 11
Views: 834

Re: TIRA Transfer Fiasco

Last year in a transfer to DW's tIRA at Schwab of a small $ amount, the Roth account number was inadvertently put on the paperwork instead of the tIRA's. The account numbers were the same up to the last 2 digits - one ended in 58, the other was 85. This was noticed 2 days later. A single call to Sch...
by RetiredAL
Tue Nov 06, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can't Create SS Account - Security Questions Mismatch
Replies: 13
Views: 1384

Re: Can't Create SS Account - Security Questions Mismatch

PennyWise, If they are using the Credit Bureaus for validation, those bureaus can suffer from all kinds of data maladies. Ever since my elderly Dad made me the trustee of his trust, Experian and Equifax won't allow me to access my credit report on-line stating they can't validate my address. Seems l...
by RetiredAL
Sun Oct 28, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Another Fidelity Rollover question
Replies: 9
Views: 713

Re: Another Fidelity Rollover question

I am about to rollover my 401k from a previous employer (which is with Fidelity) to a Fidelity IRA. It's a significant amount (mid 6 figures), so just wanted to run this by this knowledgeable group to make sure I'm not missing anything.... - I realize I will lose the option to do backdoor Roth cont...
by RetiredAL
Fri Oct 26, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Why Does Social Security Want a Form L564 From My Wife?
Replies: 16
Views: 1689

Re: Why Does Social Security Want a Form L564 From My Wife?

L564 is a standard form to prove that one was covered by a Health Plan ( anyone's ) from the time they turned 65 until until they filed for medicare. I had to fill that out because I did not apply for Part A or Part B when first eligible at 65, but did so when I turn retired at age 66. Take the form...
by RetiredAL
Fri Oct 26, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: How to debug slow wifi?
Replies: 27
Views: 1904

Re: How to debug slow wifi?

Using your cell phone, go out and find an App called Wifi Analyzer. I know it's at the Google Store for Android devices. Or any another App that lets you look what signals is on which channel. Using this App, make sure your Wifi signal is not being walked on by your neighbor's signal or something el...
by RetiredAL
Fri Oct 26, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion math - taxes paid from IRA
Replies: 7
Views: 749

Re: Roth Conversion math - taxes paid from IRA

Last December, I converted some IRA dollars, all pre-tax, to my Roth, paying for the taxes from those proceeds as a with-holding. Fidelity would not do this on-line stating I needed to call in to do it. The Rep said this was so they could make sure I knew how this was going to be taxed, asking how m...
by RetiredAL
Thu Oct 25, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: In retirement, when do you stop withdrawing from stocks in a downturn?
Replies: 141
Views: 9533

Re: In retirement, when do you stop withdrawing from stocks in a downturn?

I almost did not respond, as I hate to sound critical. This makes a strong point for the bucket method, I have heard to use three buckets but in retirement, maybe 4 or 5 are better. I for one believe in having 6 - 9 months Emergency Fund..... +1 for the bucket approach. I am retired and withdrawing...
by RetiredAL
Wed Oct 24, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 830
Views: 119267

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

^^^ You're right, thanks. I missed the ".ca" in the link and have corrected my post. The US link is here: Recall Information for Safety & Defects | Honda Owners Site I entered the VIN for my own '12 CR-V, all OK. LadyG - Since your CRV does not have the Turbo Charged engine, it's likely to have a m...
by RetiredAL
Wed Oct 24, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 830
Views: 119267

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

From what I can find (still not 100% sure), this CRV has a 172F thermostat. If that's the case, that's amazingly low operating temperature. You are forgetting about the electric fans which kick on at a much higher temp. Also, just a point of information. Oil takes much longer to get up to temperatu...
by RetiredAL
Wed Oct 24, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: 911 calls from different area
Replies: 28
Views: 2525

Re: 911 calls from different area

Most ( all? ) localities have a real local phone number that you can call to get their 911 dispatchers. You can generally find those numbers at the city/county website. A "911 number" search on google should also get these numbers. Living here in Ca, many cellphone placed 911 calls get routed to the...
by RetiredAL
Sun Oct 21, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2763

Re: Do I need laptop software?

... had to buy Microsoft Office (Word, Excel, PP) and think it's too old for a new laptop. Office 2007 or later will run on Win10. So if you have the CD for Office 2007 or later, just install it and then Windows will update it. Do note that LibreOffice is an excellent alternate. I use that on my dr...
by RetiredAL
Sun Oct 21, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Stealing ID using only name and SSN
Replies: 16
Views: 1368

Re: Stealing ID using only name and SSN

As an offshoot of this...... I recently had to re-establish a logon ID ( more than just a password reset ) with a Credit Union. After only a few of normally expect questions, they said they needed to send a confirmation code that I would need enter on logon. I gave the person my Cell Number, which w...
by RetiredAL
Sun Oct 21, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 830
Views: 119267

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Last night was the first night of below freezing temps here and the CRV was parked outside. This morning temps in low 30s. I fired it up and began driving and noticed that the temp gauge didn't budge for a longer time than I expected and not particularly warm air coming out of the vents with temp s...
by RetiredAL
Sat Oct 20, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Put more than 20% down on a house?
Replies: 33
Views: 3650

Re: Put more than 20% down on a house?

29% is an odd number for a down-payment, so I suspect that is the point of consuming all of your savings. The fallacy of of consuming all your savings to do that, is you are now 1 lost pay check, or one unexpected major expense away from disaster. I'd opt for the lower down-payment keeping the diffe...
by RetiredAL
Thu Oct 18, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Retired applying for credit cards
Replies: 22
Views: 2160

Re: Retired applying for credit cards

DaSid Just a few years ago, my then 90 year old Dad and I walked into his local Wells Fargo Bank, with whom we both have checking and savings, to open a new joint Visa Card account with them. The whole process only took 5 or so minutes and his income was given verbally and they were happy with that....
by RetiredAL
Thu Oct 18, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: rollover or transfer from Fidelity 401k?
Replies: 14
Views: 1008

Re: rollover or transfer from Fidelity 401k?

Very good points here. So I opened both regular and ROTH IRA's at Fidelity and plan to transition these 401k's into the IRA's first, before moving to Vanguard. One thing I'm curious to get your opinion on: the Fidelity rep said that many of the sponsored plans' funds will no longer be available if ...
by RetiredAL
Mon Oct 15, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 14425

Re: Warning: avoid Windows 10 update 1803

Win10 build 1803 installed fine for me this AM ( Oct 15 ) on my main desktop, a home built system running an Asus H170 motherboard. The nice thing with using the "PRO" version of the software, is that one can specify how far out to do the feature updates. I chose months to allow all significant the ...
by RetiredAL
Fri Oct 12, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: rollover or transfer from Fidelity 401k?
Replies: 14
Views: 1008

Re: rollover or transfer from Fidelity 401k?

OP, Before you move anything, talk with Fidelity about rolling those over to Roth's and tIRA's as "rollovers" within Fido as the first step. They (Fido) can cleanly split the post-tax $ from the pre-tax $. Doing that from within Fidelity minimizes nasty conversion errors when 2 dissimilar systems at...
by RetiredAL
Wed Sep 26, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3987

Re: First-time victim of credit card fraud

Just a few weeks ago, both my and my DW USAA VISA cards were both compromised on the same weekend day by less than $1 charges made in Brazil. Each card has it's own number and they are not sequential, being about 40 apart. My card had not been used in 6 months, DW uses her's every month. To me, it's...
by RetiredAL
Sat Sep 22, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Backing up Windows 10
Replies: 5
Views: 618

Re: Backing up Windows 10

I backup/clone my Win 10 system disk using Clonezilla. Normally I do it to an external storage, but you can do it directly to another disk. Most of my data storage ( pictures ) is not on my system disk, which speeds up the image process. I backup my data separately. An important step with Win 10 for...
by RetiredAL
Thu Sep 06, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2739

Re: How do you handle Healthcare costs in retirement

I retired at age 66 two years ago, so DW and I went from my work insurance straight to regular medicare with supplement insurance plus part D insurance. The yearly cost for both of us on medicare was basically the same as the work insurance's monthly contributions, the yearly deductibles, and drug c...
by RetiredAL
Tue Sep 04, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparent UTMA - questions
Replies: 18
Views: 965

Re: Grandparent UTMA - questions

I am the custodian to my Grandson's account. I provide the filled out IRS tax forms and all supporting documents to my daughter who signs and submits.

This account is gain harvested to minimize future tax surprises.

Daughter understands the goals/process and is listed as the successor custodian.
by RetiredAL
Tue Sep 04, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Roth conversion with future RMD and SS
Replies: 28
Views: 2603

Re: Roth conversion with future RMD and SS

OP.....
If married, understand what your tax rate with RMD will be when one of you becomes the single survivor.
by RetiredAL
Tue Aug 21, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401K rollover time allowed
Replies: 13
Views: 871

Re: 401K rollover time allowed

Thank you fr sharing your experience. My guess is moving to Vanguard would be easiest since the index funds we are in are with Vanguard. And thanks for the reminder to check dividends date. It not whose funds your hold, it's who is the Administrator of your plan. If Vanguard is a the Admin, then by...
by RetiredAL
Tue Aug 21, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Maui in 2 days - August 23- cancel trip?
Replies: 12
Views: 1755

Re: Maui in 2 days - August 23- cancel trip?

Rex, as MrBB said, watch your airline status. They will not fly into an expected dangerous weather event. If the airline cancels, then your trip insurance should be honored. But don't decide based on the Cable News Channels. Sensationalism controls air time. Often, their term is "might". Use officia...
by RetiredAL
Mon Aug 20, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 55
Views: 10882

Re: My son was scammed on Craigslist- how to get money back

Look on the bright side, he could have wired $400k https://www.nbcbayarea.com/news/local/Experts-Virtually-All-CA-Real-Estate-Transactions-Targeted-By-Hackers-487165181.html Ten years of sacrifice and dreams of home ownership gone in a flash. That is quite a punch to the gut. That is a sobering art...