Search found 111 matches

by RetiredAL
Thu Jul 12, 2018 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing non-technocrat spouse $ Mgmt
Replies: 25
Views: 2122

Re: Preparing non-technocrat spouse $ Mgmt

Thanks to all who have commented. Many good thoughts, several of which may force me to change my stance to achieve the needed balance. Good soul searching food that I need to digest. I am not quite convinced my wife would be comfortable managing the portfolio even If I switched all retirement accou...
by RetiredAL
Wed Jul 11, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing non-technocrat spouse $ Mgmt
Replies: 25
Views: 2122

Re: Preparing non-technocrat spouse $ Mgmt

JoeRetire wrote:
Wed Jul 11, 2018 7:33 pm

I also periodically review our complete financial position with my wife. While I usually see her eyes glaze over, it gives me some comfort to know she will never be surprised.
Every 6 months or so, I too go over where everything is. I can relate to the "glazed over" eyes.

Tnx
by RetiredAL
Wed Jul 11, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing non-technocrat spouse $ Mgmt
Replies: 25
Views: 2122

Preparing non-technocrat spouse $ Mgmt

In a reply post a little while ago, I lamented about my non-technocrat DW. I am financially astute, she is not. However I am concerned about her after my passing, to being able manage our financial affairs. My DW is not a "LadyGeek" technocrat. She hates computers in general because often they work ...
by RetiredAL
Wed Jul 11, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: Disappointed with Fidelity's Online Interface
Replies: 19
Views: 1534

Re: Disappointed with Fidelity's Online Interface

I partially concur about item #1, the history download. However, I have to asked what are you saving the history for? You can't go back to Fido 2 years later and challenge an item for correctness, as your window of opportunity has closed. It seems to me Item #2 is set that way so that your can aggre...
by RetiredAL
Tue Jul 10, 2018 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: What's up with Wells Fargo
Replies: 27
Views: 2870

Re: What's up with Wells Fargo

IMO, the Big Ox ( WF ) is just being too stupid to get out of their own way. They flagged my Dad's saving account with a similar notice 4 or 5 month's back even though he checks his accounts online weekly, passes $7,000 a month thru his checking account, $2000 a month thru his Visa Card, and has a l...
by RetiredAL
Tue Jul 10, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring soon.....401K vs rollover to IRA?
Replies: 27
Views: 2598

Re: Retiring soon.....401K vs rollover to IRA?

Those 401K closing steps prevented my IRA withdrawals from have a 1% basis cost assigned that would need to be tracked forever. What does this mean? Why would you have otherwise had a 1% basis cost assigned? About 1% ( $10,000 ) of my 401K balance at retirement was post tax $. If the entire 401K ha...
by RetiredAL
Tue Jul 10, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: 28/F looking for some financial advice
Replies: 16
Views: 1470

Re: 28/F looking for some financial advice

.. .. I have about $40,000 in vested employer stock. I am vesting another $35,000 in employer stock later this month. That will bring my vested shares to about $75,000 depending on market fluctuation. .. .. Questions: 1. Should I hold onto my company stock or sell it? .. .. Do not hold any signific...
by RetiredAL
Mon Jul 09, 2018 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring soon.....401K vs rollover to IRA?
Replies: 27
Views: 2598

Re: Retiring soon.....401K vs rollover to IRA?

I'm retiring soon. Decided to keep about one-half in 401K, and roll remainder to Vanguard IRA. Vanguard advantage - extremely wide choice of ultra low-cost funds. 401(k) advantage - availability of stable value option May roll more to VG as time goes on. If you have any post-tax in your 401K upon r...
by RetiredAL
Thu Jun 28, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Spam purportedly from Contact List
Replies: 5
Views: 691

Re: Spam purportedly from Contact List

That can also happen from an email with multiple addressees if BCC is not used instead of CC. Showing recipients' addresses to each other is poor practice. I totally concur. Always use the BCC address field when sending any kind of group E-mails, that way none of the of the addresses show. A group ...
by RetiredAL
Fri Jun 22, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 2896

Re: Buy new truck before retiring?

Hello RetiredAl, His 2015 2500 HD is a gas powered pickup with a 6 speed so it has the 6L90 transmission. The newer 2018 with the 5.3 comes stock with that same trans (6 speed 6L90) but offers an optional 8 speed which the OP will not get with his specs. The 2500 is more than 1,000#'s heavier than ...
by RetiredAL
Fri Jun 22, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2444

Re: Need new Cable Modem + Router - Please recommend

So Small Law, I've been doing this and work and home for years and year. Read and learn, its not all that hard to do with today's appliance type hardware. I would love to do all these things, but at age 67 I'm not sure I have enough years left :( SLS - You, and most others, don't need to worry abou...
by RetiredAL
Thu Jun 21, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Anyone use a WiFi enhancement product?
Replies: 14
Views: 1193

Re: Anyone use a WiFi enhancement product?

A Wifi extender that is only single band will be slower, as the extender node has to deal with the same traffic 2x, thus your thru-put is cut in half. You have two choices: Either you cable wire two wireless units to your router, or you have to buy a mesh type system that uses both bands - if you ar...
by RetiredAL
Thu Jun 21, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2444

Re: Need new Cable Modem + Router - Please recommend

Where did all of you go to learn networking/WiFi technology to this extent? I don't think the "average" person knows all this stuff. I was a Ham Radio Operator in High School, which had an Electronics Program. In High School, I was know as "Woody Rheostat", the term NERD has not been created yet. I...
by RetiredAL
Thu Jun 21, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Buy new truck before retiring?
Replies: 53
Views: 2896

Re: Buy new truck before retiring?

Jwfail...... I believe his is key: "We plan to make several multi-state trips next year, ie: Oregon, Montana, Arizona." So you have a HD truck that made to haul big-ass loads around and you want to swap it to a lighter duty truck. The lighter duty truck has smaller transmission, smaller physical eng...
by RetiredAL
Mon Jun 11, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Question on applying for SS benefits
Replies: 16
Views: 1575

Re: Question on applying for SS benefits

Both I and DW filed for SS online, she filing one year after me. When she applied, they did call and talk to both of us, but nothing had to be sent in. I assume they already had enough in their records to confirm our marriage. DW got spousal benefits since that was higher than her benefit. We had ma...
by RetiredAL
Tue Jun 05, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5288

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

They are lying to you to avoid a warranty claim. There is no such thing as "running it too hard." In an ideal world, A/C systems are sized so that they run 100% of the time. Running continuously causes less wear and tear than cycling. A frozen evaporator coil indicates one of three things: 1) low r...
by RetiredAL
Sat Jun 02, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab.com login trouble?
Replies: 21
Views: 3133

Re: Schwab.com login trouble?

System maintenance. They've posted this as a banner for the last several days.
by RetiredAL
Thu May 17, 2018 12:33 am
Forum: Personal Consumer Issues
Topic: DIY AC freon for car or professional fill up
Replies: 15
Views: 1639

Re: DIY AC freon for car or professional fill up

Update I went to a local small shop that I always go for inspection sticker. They inspected and found no leak So I asked "if there is no leak so howcome freon is low?" He said " it is the coil inside the car that always leak alittle bit no leak in the front. That can not be fixed. He had this devic...
by RetiredAL
Tue May 15, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: DIY AC freon for car or professional fill up
Replies: 15
Views: 1639

Re: DIY AC freon for car or professional fill up

First find a black light and look around for dye on the hose connections, compressor, condensor, etc. I'm not sure how a shop can say the Freon "is full to the top" since there is no visible gage on most systems as far as I know. Also there shouldn't be any "valve behind the dash board" unless it i...
by RetiredAL
Mon May 14, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Seeing a rocket launch in FL
Replies: 15
Views: 1574

Re: Seeing a rocket launch in FL

Around 15 years ago, we stayed at a hotel a mile or two south of Port Canaveral before a cruise. The Air Force Station launched a GPS rocket while we were there. We were in the back of the hotel complex. It looked like that launch was made from the front lawn of the hotel. DW and I were amazed by th...
by RetiredAL
Mon May 14, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Military Retirement Direct Depost hijacked?
Replies: 15
Views: 2129

Re: Military Retirement Direct Depost hijacked?

Update: My Dad did call VA Benefits this morning and I can confirm that his Direct Deposit was was being hijacked - the new Routing and Account numbers were not his. Since this was mid month, no actual $ was involved. They spent extra time confirming he was the real owner and now his account is now ...
by RetiredAL
Mon May 14, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Military Retirement Direct Depost hijacked?
Replies: 15
Views: 2129

Re: Military Retirement Direct Depost hijacked?

Nate79 -- Yes, the phone number matches the VA's listed benefits number. The backside of the letter lists all kinds of mail contact points, which also check out. This is an actual letter, not an email. It's not asking to validate anything. It just states there was a change made to the Direct Deposit...
by RetiredAL
Sun May 13, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Military Retirement Direct Depost hijacked?
Replies: 15
Views: 2129

Re: Military Retirement Direct Depost hijacked?

Thanks all. I'm not looking for suggestions at this point. The post was made many as a PSA. Livesoft - Let hope its something as simple as that, but he's been with the same often talked about Mega bank for 40+ years and the account number has not changed within the last 15 years, or has the bank cha...
by RetiredAL
Sun May 13, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Military Retirement Direct Depost hijacked?
Replies: 15
Views: 2129

Military Retirement Direct Depost hijacked?

Heads up to retired military people -- While at my elderly Dad's yesterday, a letter came from the Dept of Veteran Affairs stating that his Direct Deposit Information had been changed. The letter was dated 5/4, and arrived 5/11. At this point, we consider this to likely be a hijacking, as he did not...
by RetiredAL
Fri May 11, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Paying Roth conversion taxes with IRA funds
Replies: 7
Views: 694

Re: Paying Roth conversion taxes with IRA funds

Don't know if this would be a factor for OP, but if there is a spouse involved there might be an added reason to convert earlier. Surviving spouse likely will be forced into a higher bracket when RMDs are being withdrawn from TIRA. +1 to Looking4Answers post. In my case, when either I or DW die, th...
by RetiredAL
Wed May 09, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: ETF's vs. Mutual Funds in Market Panics
Replies: 21
Views: 1779

Re: ETF's vs. Mutual Funds in Market Panics

Risk in ETF's was dramatically illustrated in the so-called "flash crash" on May 6, 2010. The Dow fell almost 800 points in 25 minutes. The Wall Street Journal reported that while the Dow lost 9.2% of its value at its worst, many ETF shares lost almost all their value, some dropping to pennies per ...
by RetiredAL
Wed May 09, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Rental Cars:National, Budget, Alamo or Thrifty
Replies: 33
Views: 1672

Re: Rental Cars:National, Budget, Alamo or Thrifty

I generally rent from Avis and have found this tip will generally save me money. Having made the initial reservation many weeks to months out, I always about 10-14 days ahead of the rental check via "change reservation" to see if the rate has dropped, which it usually has, even though I'm staying wi...
by RetiredAL
Thu May 03, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Gap in financial literacy widens for couples the longer the relationship lasts, study suggests"
Replies: 13
Views: 1869

Re: "Gap in financial literacy widens for couples the longer the relationship lasts, study suggests"

True for me and DW. Just today, I had to drag her over to Fidelity to add her as Power of Attorney to a Roth Conversion account I had created in December. Not quite kicking and screaming, but she didn't see the value of doing it until I told her that if I became incapacitated, that gave her access t...
by RetiredAL
Thu May 03, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Technical Questions About Dumping Comcast Internet
Replies: 9
Views: 1007

Re: Technical Questions About Dumping Comcast Internet

Comcast is actually reasonable about Email use after termination.

https://www.xfinity.com/support/article ... email-only
by RetiredAL
Wed May 02, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10827

Re: Have you quit eating sugar? Tell me how!

What helped you get over the hump (say, the 3pm craving or that time of the month craving (if you are a woman) or just a "i've got to have it now or I'll die feeling")? What worked for you and how long have you been sugar -free? Thank you. Thanks to Singlemoi for posting topic this in a format that...
by RetiredAL
Tue May 01, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for problem firm holding my inherited funds
Replies: 21
Views: 1492

Re: Advice for problem firm holding my inherited funds

Cara, Sounds like you won't be staying with them. Be aware they will likely charge a closure fee on each of the new inheritance accounts when those accounts are closed, not just one fee based on the closure of your aunt's. Also, they'll likely ding you for a quarterly management fee as soon as they ...
by RetiredAL
Mon Apr 30, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Must See in South Dakota
Replies: 58
Views: 4336

Re: Must See in South Dakota

We're talking about the giant 1/20th finished competitor to Mt. Rushmore, right? We walked through the buildings near the parking lot. I was unaware there was a museum. So I went on the website to see if there was something I missed. Nope. I hardly think anything there was worth seeing, especially ...
by RetiredAL
Mon Apr 30, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Tax Advantage of UTMA
Replies: 16
Views: 1338

Re: Maximizing Tax Advantage of UTMA

wholeinone04.... I do this for my grandson's UTMA each year. By what's been posted here, some have gotten a rude surprise with their now college age child is a facing huge Cap Gain Tax bill at a much higher tax rate than they expected, all because they had not been booking these gains each year when...
by RetiredAL
Sat Apr 28, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: First credit card
Replies: 21
Views: 1311

Re: First credit card

Here's what I did with my three kids when they turned 18 - I opened a joint card with them. They immediately got a higher credit score, and I could help them manage their financial affairs. After this joint card is open 6 months, have them apply for a card in their name only, and guess what, the hel...
by RetiredAL
Fri Apr 27, 2018 1:13 am
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1875

Re: COMCAST - Modem / Router recommendation

Various technicians played along with amplifiers, splitters, and all kinds of things, but nothing helped until they finally got the message they just had to fix their network. My house is in the hills and the very last one on their line. I don't claim to fully understand the architecture of their n...
by RetiredAL
Thu Apr 26, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Aftertax 401K rollover to Roth IRA
Replies: 10
Views: 1191

Re: Aftertax 401K rollover to Roth IRA

Zonian, When I retired two years ago, I had about $10,000 of After-Tax in my 401K. Fidelity was the custodian of the 401K and the IRA's. Many bucket types were in the 401K account identifying the source type. They were readily accessible via their website. Upon retirement, they first rolled the Afte...
by RetiredAL
Thu Apr 26, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1875

Re: COMCAST - Modem / Router recommendation

1. Don't waste your money going for a Docsis 3.1 ( vs 3.0 ) unit, unless you need/want and Comcast can provide real GB+ speeds. The 3.0 spec supports speeds up to at least 800 MB. Not all 3.0 modems are created equal. The number of channels will vary. I said that. Eventually, Comcast will stop supp...
by RetiredAL
Thu Apr 26, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: DIY Desktop PC
Replies: 43
Views: 2038

Re: DIY Desktop PC

bampf OP Two comments: 1. Since you want dual boot, make sure the BIOS supports both EUFI and Legacy Boot simultaneously. Many Linus Distro's are not EUFI compliant because that costs money. I understand the current Mint Linus does, but have no experience with it. To compare, I have an ACER laptop ...
by RetiredAL
Thu Apr 26, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1875

Re: COMCAST - Modem / Router recommendation

RMO87,

You didn't say anything about you having Comcast Voice-Telephone. If you do, that throws a monkey wrench in the works.

If you don't, everything said so far applies.
by RetiredAL
Thu Apr 26, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: COMCAST - Modem / Router recommendation
Replies: 28
Views: 1875

Re: COMCAST - Modem / Router recommendation

1. Don't waste your money going for a Docsis 3.1 ( vs 3.0 ) unit, unless you need/want and Comcast can provide real GB+ speeds. The 3.0 spec supports speeds up to at least 800 MB. 2. The Motorola Surfboards are now ARRIS Surfboards. 3. The top speed of a Surfboard unit varies depending on the number...
by RetiredAL
Wed Apr 25, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Do you have a car w/o ABS?
Replies: 53
Views: 2422

Re: Do you have a car w/o ABS?

My thoughts: ( in general ) 1. On dry straight ahead stopping, ABS does little to stop you sooner. The condition of your tires and the tires traction characteristics are far more important. Driving at an appropriate speed also important. 2. On ice/snow, with ABS you will be less likely spin, but it ...
by RetiredAL
Fri Apr 20, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 11863

Re: New retirees: so whatdayathink ?

I retired 2 yrs ago the end of this month...... 1. I am happy with my when decision - age 66. 2. I left not pissed off nor burnt out. Basically I came to the decision "42 years is enough, its time to make the leap". 3. I've adjusted better and quicker to retired life than I thought I would. 4. I've ...
by RetiredAL
Tue Apr 17, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: How long for irs to pull from checking
Replies: 13
Views: 1739

Re: How long for irs to pull from checking

Write a check and mail it if you need a few more days. The IRS takes their ach on the day you designate. If you mail in a check, it has to be postmarked at midnight on the day taxes are due. It won't be cashed for a time after that. "... won't be cashed for a while ...." -- Careful with that though...
by RetiredAL
Sun Apr 15, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3486

Re: Suddenly I had a weird bill go to collections - what's my course of action?

At this point, do not deal with or communicate with the collections people. Never call them.This letter is an attempt to bully you into settling with them. Do not let it stress you. Clarify with Heath People what the amount due is, telling them they made no attempted to contact you. Write a check to...
by RetiredAL
Fri Apr 13, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Retirement Mechanics
Replies: 13
Views: 1871

Re: Retirement Mechanics

Bnjneer, Here's what I do. I took my retirement as a lump sum and withdraw approximately what my retirement payment would have been. Also, my 401K was rolled over into an separate IRA. DW was a stay-at-home mom so she had little income over the years. We both have contributed to Roth's since they we...
by RetiredAL
Thu Apr 12, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8263

Re: New faster DNS - 1.1.1.1 by CloudFlare

What you are missing by doing yourself with pfSense or similar, is the professional list management, where badboy Addresses/Names are blocked ( not resolved ) because somebody already knows that address is a trouble-maker. Not in this case. pfSense #1) blocks all inbound unless allowed or requested...
by RetiredAL
Wed Apr 11, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8263

Re: New faster DNS - 1.1.1.1 by CloudFlare

I agree Google or Cloudflare DNS are probably the way to go for most consumers. But if anyone is still concerned about relying on a 3rd party, you can actually resolve all of your queries without a public DNS server if you have the right router. With the default install of pfSense, you get a fantas...
by RetiredAL
Wed Apr 11, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8263

Re: New faster DNS - 1.1.1.1 by CloudFlare

A good DNS source is important to all users. Businesses are willingly pays big bucks to get a managed/secure DNS service 1) to protect their systems from potentially harmful sites that serve up malware, 2) to prevent employees from going to Intellectual Property Sites, movies, music, Ect., that coul...
by RetiredAL
Tue Apr 10, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Prescription drug costs
Replies: 22
Views: 1454

Re: Prescription drug costs

One way my wife and I save a little on several continuing prescriptions (Kaiser) is mail order refills. We can just request the refills online (or by phone). One thing that greatly puzzles me is friends/acquaintences who absolutely refule to do mail refills. In our case, this is super convenient - ...