Search found 429 matches

by RetiredAL
Sun Nov 17, 2019 9:35 pm
Forum: Personal Investments
Topic: Ultra Short Term Treasury ETFs
Replies: 36
Views: 2615

Re: Ultra Short Term Treasury ETFs

Caduceus, I have a pile of SHV in my Dad's account in lieu of ready cash. I've been happy with it. Do be aware that it's chart looks really funky. As I understand it, it's income is credited to NAV daily, then paid out monthly as a dividend. So that means you see the value increase steadily, and th...
by RetiredAL
Sat Nov 16, 2019 10:06 pm
Forum: Personal Investments
Topic: Ultra Short Term Treasury ETFs
Replies: 36
Views: 2615

Re: Ultra Short Term Treasury ETFs

One of the discount brokers I use has crappy sweep options. I want to buy an ultra short-term treasury ETF to replicate the lack of a good default sweep option. Weirdly enough, searching the forum for "Treasury ETFs" or "Ultra Short Term Bond ETF" doesn't come up with any results ... or maybe the s...
by RetiredAL
Thu Nov 14, 2019 11:14 pm
Forum: Personal Consumer Issues
Topic: Forgot to pay Kohl's bill for two months, consequences?
Replies: 36
Views: 2313

Re: Forgot to pay Kohl's bill for two months, consequences?

Although not explicitly stated by the OP that he was using "paperless", it sounds like he was. My fear of this kind of event is why I'll personally disdain going paperless on bills, especially a store charge where some month may have a payment, and some don't. Too easy to let that email slip by with...
by RetiredAL
Thu Nov 14, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Convert Trad to Roth or Not
Replies: 10
Views: 684

Re: Convert Trad to Roth or Not

OP, You need take into consideration what the tax bill on that money will be if you convert now at MFJ rates, vs. at a later later date with the RMD at being taxed at a Single rate. I'm been converting some now to near the top of the MFJ 12% rates, because, if Single, most of the RMD, which starts n...
by RetiredAL
Wed Nov 13, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: Carbon Monoxide Alarms
Replies: 16
Views: 1221

Re: Carbon Monoxide Alarms

Having a combustion gas leak in your heater and being distributed by the air ducts into the house is a very real danger. Thus the recommendation about having the CO monitor in/near the sleeping areas. Do pay the extra price and get a talking monitor. The horn type will be confused for a smoke detect...
by RetiredAL
Wed Nov 13, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Personal Cloud Storage NAS - I'm Interestd!
Replies: 17
Views: 1712

Re: Personal Cloud Storage NAS - I'm Interestd!

NAS = Network Attached Storage
by RetiredAL
Wed Nov 13, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Outlook email PST file is corrupt, need advice
Replies: 17
Views: 1257

Re: Outlook email PST file is corrupt, need advice

JAZZISCOOL wrote:
Tue Nov 12, 2019 8:47 am
Hi RetiredAL:

Thanks for your detailed response above about my Outlook archiving question above. I will give your suggestions a try!

:happy
I left you a PM.
by RetiredAL
Tue Nov 12, 2019 12:45 am
Forum: Personal Consumer Issues
Topic: Outlook email PST file is corrupt, need advice
Replies: 17
Views: 1257

Re: Outlook email PST file is corrupt, need advice

Hello, I have a related Outlook question. A wise BH may know the answer.... I use Outlook through MS Office Home and Business 2016 (pc based version; laptop is fairly new from 2018). It becomes unresponsive once in a while and I think it is because I have a number of folders/emails. I believe there...
by RetiredAL
Sun Nov 10, 2019 12:12 am
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 27
Views: 1627

Re: New thermostat for mid-late 70’s parents?

I guess I am a diminishing elder :). The unit mentioned above is much like what I have for my home with one more slot/position in case I have to use auxiliary heat instead of the heat pump in an emergency but my nephew painted that red so I would know it was for emergencies. I can relate. For my Da...
by RetiredAL
Sat Nov 09, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 27
Views: 1627

Re: New thermostat for mid-late 70’s parents?

I strongly urge you to consider a Luxpro thermostat. I just got a new furnace, and replaced the old Honeywell style round device. I did not want a complicated computerized bit of nonsense. The luxpro is excellent, accurate, and much easier to use than the old style round unit. I really like it. It’...
by RetiredAL
Sat Nov 09, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Website for Honeywell Thermostat parts?
Replies: 13
Views: 425

Re: Website for Honeywell Thermostat parts?

I basic thermostat can be had for $50. Why mess around? Thermostats requirements for most std systems is pretty generic. The only concern is whether there is a wire with 24v as a source on it. Really old systems may not have a wire for that to the thermostat. Generally, a 4 wire cable to the thermos...
by RetiredAL
Wed Nov 06, 2019 8:08 pm
Forum: Personal Investments
Topic: Assuming Control of Mom's Morgan Stanley Acct.
Replies: 18
Views: 1232

Re: Assuming Control of Mom's Morgan Stanley Acct.

My Mother is just starting to have cognitive decline and I'm stepping in to help manage her finances (I already have Durable Power of Attorney). She's had a brokerage account at Morgan Stanley for years (one taxable account, one tIRA). They are charging her 1.5% AUM. Obviously, I am chomping at the...
by RetiredAL
Wed Nov 06, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best month to take RMDs?
Replies: 86
Views: 4560

Re: Best month to take RMDs?

I start my RMD's next year. I only need 40% that amount for living expenses. The rest will go into a taxable account. I plan on doing mine early, because, as I see it today: 1. The RMD is all taxed as ordinary income. 2. Attempting any Timing is fraught with a endless array of what-if's. 3. If the m...
by RetiredAL
Fri Nov 01, 2019 10:45 pm
Forum: Personal Investments
Topic: Reduce oil/coal investments seeing as they are doomed
Replies: 16
Views: 1458

Re: Reduce oil/coal investments seeing as they are doomed

Prettyfrtnt wrote:
Fri Nov 01, 2019 9:10 pm

I guess I’ll stare at the future and just do nothing!!! Which I’m totally okay with. Stick with my three fund!

Back in the early 1970's, the chicken-little-sky-is-falling types were lamenting that by 2000, peak oil production will have been reached.
by RetiredAL
Thu Oct 31, 2019 6:36 pm
Forum: Personal Investments
Topic: Special pension opportunity. Does it make sense?
Replies: 6
Views: 487

Re: Special pension opportunity. Does it make sense?

OP,
If you lump it, get a steady 5% return, then start withdrawing $676/mo in year 20, the residual will reach zero in year 40.
by RetiredAL
Thu Oct 31, 2019 5:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1989
Views: 207658

Re: U.S. stocks continue to soar!

Ok, soaring is a stretch, but to me it is still a very feel good day.

You see, our Fidelity accounts, which hold my IRA's and Roths, closed the month at a new all-time month-end high balance, eclipsing a year ago, and that is after having withdrawn 2.5% for living expenses.
by RetiredAL
Thu Oct 31, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?
Replies: 19
Views: 1683

Re: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?

A couple of years ago, had a FBO check inbound to an IRA get deposited to the wrong account (Roth) at Schwab due to transposed account numbers on the deposit paperwork. It was discovered 2 days later. Called Schwab and since it had just happened, they could fix it as a "posting error". No 1099 reper...
by RetiredAL
Thu Oct 31, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: APC power backup for extended outages
Replies: 29
Views: 1337

Re: APC power backup for extended outages

For those who asked, yes my ISP was up the whole time Saturday-Wednesday during the PG&E blackouts. The neighbors were on it and it is locally managed with a generator. Consider yourself damn lucky. In Dorrington above Arnold, both Comcast ( the only ISP ) and Verizon cell went down within a couple...
by RetiredAL
Tue Oct 29, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4131

Re: California Fires: Landlord/Tenant Question

The landlord is not responsible for the cuts in power. It's a crisis in the state for sure, but more to do with the state regulators and PG&E's infrastructure due to the dry conditions and high winds. +++1 IMO, this a direct consequence of poor long-term leadership at the state level. We now have a...
by RetiredAL
Sat Oct 26, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 101
Views: 6717

Re: UTMA accounts

Spirit Rider, Are you a wiki maintainer for this topic? It seems to me that " Only a dependent's unearned income is subject to the Kiddie Tax rules and the trust tax brackets. " is a key knowledge piece that should be prominent in the wiki. This Earned vs Unearned differentiation never stood out to ...
by RetiredAL
Sat Oct 26, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 101
Views: 6717

Re: UTMA accounts

Spirit Rider

Thank you for the clarifications and corrections.
by RetiredAL
Sat Oct 26, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: 2.1% processing fee at California DMV
Replies: 31
Views: 1770

Re: 2.1% processing fee at California DMV

The California DMV credit card surcharge is new. Just before Sept. 28. I mailed a check to them on that day and just received my renewal tags yesterday. It took about 17 days for my check to clear and about 27 days to receive the tags. I paid mine online Sunday 10/20 and received the tags yesterday...
by RetiredAL
Sat Oct 26, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: 2.1% processing fee at California DMV
Replies: 31
Views: 1770

Re: 2.1% processing fee at California DMV

As I remember it, years ago "The Governator" ordered the DMV to eat the CC/ATM fee. So it seems the current governor has likely rescinded that order, thus to us normal folks it's a rate increase. There has been scant news of this change.
by RetiredAL
Sat Oct 26, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 101
Views: 6717

Re: UTMA accounts

Now if only the tax authorities can come together and make things simpler for us. Legislators: Simplicity: Common sense: IMO, three absolutely mutually exclusive data sets. I wonder how many truckloads it would take to have paper copies of all Federal and all the State/Local Tax codes? Anybody ever...
by RetiredAL
Sat Oct 26, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 101
Views: 6717

Re: UTMA accounts

Also, Kiddie Tax provisions apply: https://www.irs.gov/taxtopics/tc553 Hmm.. so I'm reading 'Parents' Election to Report Child's Interest and Dividends' If the child doesn't have to pay taxes under the kiddie tax, no need to file a return on behalf of the kid. If he had to pay taxes, then you can i...
by RetiredAL
Sat Oct 26, 2019 12:20 am
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 101
Views: 6717

Re: UTMA accounts

I wouldn't even know or care about the adult child's tax returns. Hope I'm not missing an obvious or important connection. The one connection is to be sure the adult child's address is on the account so they get the tax documents rather than you getting them and throwing them away leaving the adult...
by RetiredAL
Thu Oct 24, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 101
Views: 6717

Re: UTMA accounts

UTMA's are usually done under the rules for state the minor resides, but could be the the state that the custodian resides. A common difference between states is the age custodianship ends. Some states are 18, others can be 21 or later, depending on various factors. Utah allows age 21. Someone with...
by RetiredAL
Thu Oct 24, 2019 2:31 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz article on door to door financial people
Replies: 59
Views: 6248

Re: Christine Benz article on door to door financial people

The mail delivered to my elderly Dad's house often includes alarmist type newsletters on how to protect yourself for the next financial whatever. I agree that focusing on elders is a form of predation I'll call despicable. However, this predation extends beyond financial with mail for this health it...
by RetiredAL
Thu Oct 24, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 101
Views: 6717

Re: UTMA accounts

When you tax loss harvest a UTMA invested in a Vanguard Index fund do you just exchange for another fund? The fund I am in does not allow you to buy within 30 days of selling the same fund. Sales Dude... Most of the dialog about harvesting in UTMA Accounts is around GAIN harvesting to avoid ( or mi...
by RetiredAL
Wed Oct 23, 2019 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: UTMA accounts
Replies: 101
Views: 6717

Re: UTMA accounts

So, my father in law just cashed out UTMA accounts for our 3 children and gave us the checks. UTMA written on them to our children's names. Does it matter what state you create a new UTMA/529 account in? I have all of our 529s with Utah but live in a different state. I live in the state where the U...
by RetiredAL
Tue Oct 22, 2019 4:44 pm
Forum: Personal Investments
Topic: IRA Money Market Funds
Replies: 8
Views: 427

Re: IRA Money Market Funds

In my Dad's Taxable Account at Wells Fargo, I had a similar problem. Their MMK rates suck. I solved it with SHV - Short Term Treasuries ETF from I-shares. It's worked for me since it's been a one-time buy so far. Now with many places, but not WF, having zero trade cost, it's could be a total non-iss...
by RetiredAL
Sun Oct 20, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Website Issues?
Replies: 10
Views: 814

Re: Wells Fargo Website Issues?

OP, Have you tried changing to a different DNS server, like Google or Cloudfare DNS, instead of the default ISP's DNS. Also, check your router DNS as it may be it may providing your PC/Mac dns entries. All it takes is one non-resolved IP within the maybe dozens associated with a screen to time you o...
by RetiredAL
Fri Oct 18, 2019 3:28 pm
Forum: Personal Investments
Topic: Transfer ETF's in-kind from Vanguard to Schwab?
Replies: 22
Views: 1401

Re: Transfer ETF's in-kind from Vanguard to Schwab?

I've done this twice this year with accounts from Wells Fargo. One happened on the 3rd day, the other on the 4th day. Having Schwab doing the pull went smoothly. The paperwork was signed and submitted at a local Schwab office. I never checked cost basis as both of these transfers were IRA's. Dividen...
by RetiredAL
Wed Oct 16, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Another GE Pension Buyout Decision
Replies: 7
Views: 1275

Re: Another GE Pension Buyout Decision

I know there's already been several GE pension early buyout "what should I do?" threads, but would appreciate some input. Age: 46 Status: Single, no kids. Federal Income Tax Bracket: 32% Zero debt, house & cars paid off, etc. 401k, HSA contributions maxed to IRS limits every year Also have small DB...
by RetiredAL
Wed Oct 16, 2019 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Another GE Pension Buyout Decision
Replies: 7
Views: 1275

Re: Another GE Pension Buyout Decision

I know there's already been several GE pension early buyout "what should I do?" threads, but would appreciate some input. Age: 46 Status: Single, no kids. Federal Income Tax Bracket: 32% Zero debt, house & cars paid off, etc. 401k, HSA contributions maxed to IRS limits every year Also have small DB...
by RetiredAL
Wed Oct 16, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: GE Pension - take lumpsum?
Replies: 4
Views: 881

Re: GE Pension - take lumpsum?

winT, I took my retirement as a lump sum and I am basically using it in lieu of the annuity $. So I concur with your overall logic to take the lump. However, I think it will last you longer than you stated. My simple spreadsheet model is for the first 19 years to credit 6% return to the balance at y...
by RetiredAL
Wed Oct 16, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: HVAC fan ON or auto?
Replies: 42
Views: 3854

Re: HVAC fan ON or auto?

Go for it and experiment...... but be aware of these opposing items might show up as you are evaluating it. If you ducts run in unheated space such as the attic. 1. The insulation value on the duct is way lower than that of the attic floor. 2. Any joint leakage in the supply ducts will make the hous...
by RetiredAL
Sun Oct 13, 2019 2:20 pm
Forum: Personal Investments
Topic: Wells Fargo/Trade IRA Roth Transfer
Replies: 5
Views: 263

Re: Wells Fargo/Trade IRA Roth Transfer

FYI: When we moved the last of my Dad's IRAs to Schwab a couple of months ago, Schwab refunded the $95 closure fee Wells Fargo took on transfer.
by RetiredAL
Sun Oct 13, 2019 12:39 pm
Forum: Personal Investments
Topic: Extricating Myself From an Advisor and Investment Bank
Replies: 36
Views: 2394

Re: Extricating Myself From an Advisor and Investment Bank

I've dealt with removing my Dad's accounts from an advisor service this last year. 1 taxable trust account and 2 IRA's. I manage all of his finances. The trust account remains with the same institution as a self directed account. I as able to use last years dip to sell a multitude of funds/stocks/ET...
by RetiredAL
Sun Oct 13, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: X Country Driving Trip across the US, solo
Replies: 25
Views: 2101

Re: X Country Driving Trip across the US, solo

Have any of you driven across the US coast to coast? I am considering such a trip, it's been a life long bucket list thing. I likely would have to go solo since the people I know are not yet retired....wondering if that many days in a car would bug me out. I have done 4 days of that before on the e...
by RetiredAL
Fri Oct 11, 2019 6:35 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 341
Views: 39717

Re: Small Cap Value heads Rejoice !!!

This brings to mind the PBS documentary "Trillion Dollar Bet" which was based on a real event, where all went well with the model until it didn't, and then only shrewd intervention saved us from a financial meltdown.
by RetiredAL
Fri Oct 11, 2019 5:54 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 40
Views: 3087

Re: Does Fidelity have a performance view?

That link doesn't work for me - I meet the asset requirements but don't have the performance tab. It doesn't mention that I'm a premium client anywhere either so that may be the issue. I too have never seen anything, on a screen I can view, that tells me what level I am. I do know that I an north o...
by RetiredAL
Fri Oct 11, 2019 5:11 pm
Forum: Personal Investments
Topic: Does Fidelity have a performance view?
Replies: 40
Views: 3087

Re: Does Fidelity have a performance view?

A thought -- they might control access to the "performance" screen by just not showing it as a selection on the menu. If so, test this direct link to the performance page after you have logged into Fido. https://oltx.fidelity.com/ftgw/fbc/oftop/portfolio#performance Since I already have the tab to s...
by RetiredAL
Thu Oct 10, 2019 3:15 pm
Forum: Personal Investments
Topic: Transferring assets to Fidelity
Replies: 3
Views: 529

Re: Transferring assets to Fidelity

We somewhat recently transferred my Dad's IRA to Schwab. I asked Schwab to reimburse the $95 closure fee and they did so. This is a fairly common practice and I would expect Fidelity to do so also. It's just a form of a sign-up bonus.
by RetiredAL
Thu Oct 10, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Phone call from First Data re possible debit card fraud
Replies: 7
Views: 788

Re: Phone call from First Data re possible debit card fraud

Consider the fact that the detection was likely being done by a Stupid AI process. For 9 months now, in support of my aged Dad, I've withdrawn $100 monthly from his Checking Account using my linked Debit Card at an ATM near his house which is in a different city 90 miles away from my home. This is t...
by RetiredAL
Tue Oct 08, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1400

Re: Hybrid w/CVT or Non-Hybrid 8 speed

When cruising down a hwy, a regular hybrid only gives you a small fuel savings. Where a hybrid really shines is in stop/go or speedup/slowdown traffic.

IMO, the decision comes down to will you save enough to pay for the added cost of a hybrid.
by RetiredAL
Wed Oct 02, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 60
Views: 4053

Re: How did your Windows 10 upgrade go?

Another video -- Original IBM sales video.

pretty good action view starting at 2:40

https://www.youtube.com/watch?v=oyWsdS1h-TM
by RetiredAL
Wed Oct 02, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 60
Views: 4053

Re: How did your Windows 10 upgrade go?

Before SSD's, before the PC, near the dawn of drive drives.....

https://www.youtube.com/watch?v=aTkL4FQL2FI

Watch the seek action. Random Access in under .6 seconds.

This is an IBM 350 drive, 5mb.
by RetiredAL
Wed Oct 02, 2019 11:26 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 106
Views: 10164

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

TD Ameritrade is $0 starting oct 3rd. Source: their website Great. I didn't see it on their website - but I did see a news article here: https://finance.yahoo.com/news/best-just-got-better-td-221300556.html This is great news. Now Fidelity needs to do the same thing - or else I (and a lot of other ...
by RetiredAL
Mon Sep 30, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 60
Views: 4053

Re: How did your Windows 10 upgrade go?

I'm typing this on an E6420. I had zero issues with the Win7 to Win10 upgrade. Do note the upgrade, which I launched, took a very long time download and then install. This back in the days when automatic Win10 installs were being metered to prevent download server overloads. Thank RetiredAL. I have...