Search found 307 matches

by RetiredAL
Tue Jul 16, 2019 11:56 am
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 80
Views: 10906

Re: Tax Reform - Revised Kiddie Tax

Spirit Rider -- I would like to thank you for the effort and details you provide to us on the Kiddie Tax.
by RetiredAL
Sun Jul 14, 2019 11:18 pm
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 3422

Re: How to encrypt Cloud backups?

Why not just go simple and just use 7zip or ZIP to encrypt a file, a group of files, or a whole folder. Many/most of us already have it on our computers. OK, I understand it's not CIA/Chinese spook proof, but what I'm trying to protect from is some junkie low-life quickly accessing enough confidenti...
by RetiredAL
Sat Jul 13, 2019 11:18 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 27
Views: 1415

Re: Standard Car Key Battery Life for Late Model Vehicles

Our newer car, a Ford Explorer, has a smart-key FOB. Batteries seem to last only about a year. The first clue is erratic unlock when the door handle is touched. Then the fob's unlock button range gets short. As it progresses further, the inside key not-present occasionally triggers. And when it dies...
by RetiredAL
Sat Jul 13, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Android storage leaks?
Replies: 5
Views: 447

Re: Android storage leaks?

Several years back, my wife's S4 kept running low on memory. Could never find the cause until we upgraded to S8's. During the upgrade, the transfer of everything failed for Text Msg because the Text Msg Storage was to large to transfer. Seems she had 'never delete' enabled and she does pictures and ...
by RetiredAL
Fri Jul 12, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: How to Safely Share User IDs / Passwords with Spouse
Replies: 72
Views: 4793

Re: How to Safely Share User IDs / Passwords with Spouse

I use 1Password and it works well. Also, create a rule to remember the password based on the website. Example: Add the first 3 letters of the website to the end of the password. So if your root password is P4ssw0rd, your Boglehead password would be P4ssw0rdbog. Your Gmail password would be P4ssw0rd...
by RetiredAL
Thu Jul 11, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Avoid MD-88s [commercial aircraft]?
Replies: 61
Views: 3136

Re: Avoid MD-88s [commercial aircraft]?

I don't particularly like the DC-9 and its later variants, but I've never felt unsafe on one, and I used to travel in them a lot. Even the DC-10 doesn't scare me, despite its troubled history, including the fact that Flight 191's crew thoroughly followed written procedures, which it turns out ensur...
by RetiredAL
Wed Jul 10, 2019 10:01 pm
Forum: Personal Investments
Topic: Assisted Living Money Decision
Replies: 21
Views: 1723

Re: Assisted Living Money Decision

As mentioned tax deductible in assisted living depends on certain qualifications and only for part of the benefit involving medically necessary or disability care. Admission to a nursing home is a different thing. As to VA, some state veterans departments operate veterans homes with various conditi...
by RetiredAL
Mon Jul 08, 2019 4:56 pm
Forum: Personal Investments
Topic: 401K question - tricky situation
Replies: 25
Views: 1489

Re: 401K question - tricky situation

OK, I called HR. They said you can have deductions before you have worked 1,000 hours. But you can't be vested until you've worked 1,000 hours. The 1,000 hours sounds like just for their matching contribution vesting . Don't worry, you are good to go. A waiting period for getting Company Match is c...
by RetiredAL
Mon Jul 08, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: Open-source notepad with password encryption
Replies: 24
Views: 1289

Re: Open-source notepad with password encryption

My experience has been if the document is saved in MS Office format when using Libre, then Office can open it. Office doesn't seem to do well with the ODF format. Libre will open a password protected MS Word document. When edited and re-saved by Libre, MS Word will open it correctly. I do this freq...
by RetiredAL
Thu Jul 04, 2019 11:31 pm
Forum: Personal Consumer Issues
Topic: Theodore Roosevelt National Park or Badlands NP -- good for hiking in August?
Replies: 24
Views: 1317

Re: Theodore Roosevelt National Park -- good for hiking in August?

DW and I are thinking of visiting Theodore Roosevelt National Park in August. We both like strenuous hiking and nice scenery, and we could probably be talked into doing some kayaking/canoing. Is TRNP a good place for this? Are there long hikes to do or are they all short? And any general opinions o...
by RetiredAL
Tue Jul 02, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Keep garage 'cooler' during summer
Replies: 31
Views: 3417

Re: Keep garage 'cooler' during summer

Does anyone have personal recommendations on how to release all this summer heat from our garage during the summer? It faces west and surely transfers substantial heat to our interior since there is little to no ventilation. Do people install fans in their garage to mitigate? In modern ( less than ...
by RetiredAL
Mon Jul 01, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: What do you do if you get in an accident?
Replies: 26
Views: 1936

Re: What do you do if you get in an accident?

Pictures, pictures, pictures. I was just recently in an accident and immediately got out of my car and walked 360 degrees around the crash scene taking pictures. Was totally blocking traffic but didn't care. After I got my pics, I then pulled out of the way. Long and short of it, the other party ad...
by RetiredAL
Mon Jul 01, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Hospice, home health aide, taxes questions
Replies: 24
Views: 1492

Re: Hospice, home health aide, taxes questions

I was paying $27/hr to Home Instead for Health Aides in Stockton CA this spring. When it became apparent that 2 shifts were not adequate, I moved my Dad into an Assisted Living Facility. The Assisted Living cost is slightly more that what one shift of 'at home' costs. His LTC Insurance covered the '...
by RetiredAL
Mon Jul 01, 2019 12:57 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2398
Views: 429366

Re: What are you up YTD? [Year To Date]

Our YTD balance change, all accounts combined, is "up" 11.4%, even with withdrawals of 1%. Overall AA target is 65/35.

Schwab reports our Roth's are up 14.8% YTD, AA target = 75/25. These are 15% of the total portfolio.
by RetiredAL
Sun Jun 30, 2019 11:18 pm
Forum: Personal Investments
Topic: tax efficient money market funds
Replies: 23
Views: 2452

Re: tax efficient money market funds

For those in 20 to 25% tax bracket living in California, what are some highest yield post-tax MM funds? Is that 20 to 25% Fed and then CA on top of that, or is it 20 to 25% Fed and CA combined. I manage by Dad's accounts and his combined rate is 30%. He's right at the tipping point as whether a Ca ...
by RetiredAL
Sun Jun 30, 2019 10:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1282
Views: 120181

Re: U.S. stocks continue to soar!

I agree. My retirement accounts are are up about 100k from January 8th. Very happy here indeed. I noted this weekend while looking at my Fidelity accounts, this June's total month-end balance, minus the monthly withdrawals amount, is greater that the month end closing for Sept 2018 (2018 high). Is ...
by RetiredAL
Sun Jun 30, 2019 6:26 pm
Forum: Personal Investments
Topic: Nearing Retirement -- Your Thoughts?
Replies: 5
Views: 1098

Re: Nearing Retirement -- Your Thoughts?

Thanks, David Jay. My concern with the Backdoor Roth is that I’d get taxed on most of the conversion dollars at my rather high marginal rate because we each have a fair amount of pretax IRAs already. Wouldn’t it make sense to wait until my tax bracket drops (I’ll likely work part time at an hourly ...
by RetiredAL
Sat Jun 29, 2019 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Did Retirement Spending go as You Planned?
Replies: 47
Views: 4675

Re: Did Retirement Spending go as You Planned?

I greatly enjoy hearing about how others are doing. It gives me validation of my plan. Only three years in so far, but we are doing near what was planned. Background: I took my pension as a Lump Sum into an IRA, plus rolled my 401K into an IRA. I've set it so the sum of our SS + IRA withdrawals afte...
by RetiredAL
Fri Jun 28, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 4844

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

Did a hornet's nest get whacked or what? A nail in-out puncture is not likely to cause a blow-out, just a routine flat tire. Blow-outs are usually caused by tire overheating, which is what happens when run a tire on really low air pressure for long period of time, such as what you see with a small l...
by RetiredAL
Thu Jun 27, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 4844

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

Edited to remove what someone may consider crude language. TPM's are there to minimize a slow leak from causing a blow-out, especially if it's a front tire which could cause loss of control. Blow-outs usually occur at high speeds, like on the freeway/highway, where the low pressure leads to tire ove...
by RetiredAL
Thu Jun 27, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax: can’t log in
Replies: 30
Views: 1332

Re: Equifax: can’t log in

DW then tried to set up her account. Everything went well until the final step, when she was presented with some challenge questions (for which all the answers were obviously "none of the above" or some such) and she's now locked out. We've had to send in additional documentation via snail mail now...
by RetiredAL
Tue Jun 25, 2019 3:29 pm
Forum: Forum Issues and Administration
Topic: Extremely Short 'Stay Logged In' Time
Replies: 45
Views: 7915

Re: Extremely Short 'Stay Logged In' Time

I'm an advanced user, of many years, only banking sites are auto-logging me out, and BH , it's a design choice by someone at BH , perhaps with cookie policy I concur that its short. Too many times I've started a post, had something come up, and when I return, I find I have timed out. And no, I don'...
by RetiredAL
Tue Jun 25, 2019 1:17 am
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 4372

Re: Triage in ER - charged $790

My Dad was in the ER/hospital this last April, and the ER sub-item alone was $5300. That does not include the attending Doctors, Labs, or CT Scan. All told, $90,000 was billed by the hospital for 3 days, of which Medicare and Tricare combined paid $12,300. Hospital level medical care is expensive. A...
by RetiredAL
Mon Jun 24, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Dealer 30K Service for 2017 RAV4--Unusual Items?
Replies: 52
Views: 4290

Re: Dealer 30K Service for 2017 RAV4--Unusual Items?

Direct Inject engines tend to suffer from carbon buildup on the intake valves. It is a hotly debated issue as to whether to proactively clean the valves or not. That said, putting a cleaner in the fuel tank will not clean this carbon off, because in a Direct Inject engine, fuel with cleaners mixed ...
by RetiredAL
Mon Jun 24, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: I'm 68 - How Long Will it Take Me to Get Medicare?
Replies: 11
Views: 2919

Re: I'm 68 - How Long Will it Take Me to Get Medicare?

Based on TropikThunder's post, I evidently did it wrong and took one extra month worth of HSA. Hmmm!
by RetiredAL
Sat Jun 22, 2019 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: I'm 68 - How Long Will it Take Me to Get Medicare?
Replies: 11
Views: 2919

Re: I'm 68 - How Long Will it Take Me to Get Medicare?

OP, I had the same issue and stopped my HSA deduction before Nov with that year paid full. My HSA was with Fidelity so loading for the rest of the year was simple on-line transfer from another Fidelity Account. Your only other option is to work into July which would allow you fund the HSA in early J...
by RetiredAL
Sat Jun 22, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: I'm 68 - How Long Will it Take Me to Get Medicare?
Replies: 11
Views: 2919

Re: I'm 68 - How Long Will it Take Me to Get Medicare?

OP, the Employer Verification form appears to be CMS-L564 and is usually submitted with the std CMS-40B application form. Make sure you have it a filled out and signed CMS-L564 form with you if you go to SS Office, otherwise you will need to do so again. I did mine on-line and had to mail fax the fo...
by RetiredAL
Sat Jun 22, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: I'm 68 - How Long Will it Take Me to Get Medicare?
Replies: 11
Views: 2919

Re: I'm 68 - How Long Will it Take Me to Get Medicare?

OP, beware that Medicare looks back 6mo for potential coverage, thus you need to stop the HSA deduction at least 6 mo before you apply. That does not stop you from front loading the HSA for that year if you are retiring late in the year. 2nd, there is a employers insurance coverage verification form...
by RetiredAL
Sat Jun 22, 2019 2:12 pm
Forum: Personal Investments
Topic: Best fixed income instrument for 150K in taxable acct
Replies: 24
Views: 2227

Re: Best fixed income instrument for 150K in taxable acct

OP, If you are considering purchasing a Fixed Income ETF, such as AGG or similar, in the very near future, do it so the settlement date is one day before the date-of-record for the up-coming monthly dividend. You'l get most of the daily computed interest for the month from your Fidelity Cash account...
by RetiredAL
Thu Jun 20, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Rollover from Pretax 401k to Roth 401k
Replies: 13
Views: 836

Re: Accidental Rollover from Pretax 401k to Roth 401k

A similar thing occurred with my wife when moving from a retirement account to what was supposed to be her IRA at Schwab but ended up in her Roth instead. The account numbers were very similar, with just two transposed digits. The dollar amount was only $4000, not an earth shattering amount. In our ...
by RetiredAL
Thu Jun 20, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Dealer 30K Service for 2017 RAV4--Unusual Items?
Replies: 52
Views: 4290

Re: Dealer 30K Service for 2017 RAV4--Unusual Items?

Best I can tell, this is a Direct Inject engine. Direct Inject engines tend to suffer from carbon buildup on the intake valves. It is a hotly debated issue as to whether to proactively clean the valves or not. That said, putting a cleaner in the fuel tank will not clean this carbon off, because in a...
by RetiredAL
Tue Jun 18, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to estimate taxes during retirement?
Replies: 39
Views: 2738

Re: How to estimate taxes during retirement?

I use TaxAct to do my taxes. I've found the TaxAct tax estimator easy to use, easier than TurboTax's tax estimator.
by RetiredAL
Fri Jun 14, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3590

Re: Do you repair your own appliances?

Time2Quit wrote:
Fri Jun 14, 2019 12:02 pm

This. There is nothing I won’t fix, attempt to fix, build, or fabricate.
+ + +

Basically, I am about same. For me, the "attempt to fix" includes knowing when it's beyond my comfort level to do it.

Besides the $ savings, I get satisfaction in having done it myself.
by RetiredAL
Thu Jun 13, 2019 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 5187

Re: How much is your guys’ fees for your 401k?

SP500 listed company using Fido NetBenefits -- The current Plan Docs says "may" charge $55/yr record keeping fee and $31/yr non-Fidelity Fee. I retired in 2016, and the last quarter I worked, I was charged $3.50 for that quarter, so I assume the company was paying some of the fee. My balance went to...
by RetiredAL
Sun Jun 09, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: Tree Touching Power Line - Do I Have Any Choice Other Than to Take Down the Tree?
Replies: 24
Views: 2167

Re: Tree Touching Power Line - Do I Have Any Choice Other Than to Take Down the Tree?

If you were in CA and called the Utility company, it would be handle promptly. Last year I called about a dead tree at our mountain cabin, that if it fell, it could hit their distribution lines. The first question they asked was if it was contacting wires, because if so, they would immediately dispa...
by RetiredAL
Sun Jun 09, 2019 3:17 pm
Forum: Personal Investments
Topic: IRA and taxable account
Replies: 13
Views: 1191

Re: IRA and taxable account

Questions for the IRA: 1) They also suggested having 5% in Fidelity Government Cash Reserves. What would the purpose of this be? I said no and just decided to lump it into the bond index fund. Good idea? I like to leave a small amount in the Cash Reserves on any account, especially IRAs, where it m...
by RetiredAL
Sat Jun 08, 2019 11:56 pm
Forum: Personal Investments
Topic: New ADP 401k just dropped. Which funds? Portfolio shuffle?
Replies: 16
Views: 1746

Re: New ADP 401k just dropped. Which funds? Portfolio shuffle?

As for putting bonds in taxable, our taxable is at Schwab, so we'd have to pay for Vanguard Total or Intermediate bond index. And at last check (which admittedly was a couple of years ago), Schwab didn't have a bond index option as good as VG. Which is why we've held VG bond in the Roths. We realiz...
by RetiredAL
Fri Jun 07, 2019 4:25 pm
Forum: Investing - Theory, News & General
Topic: The Value of a Roth IRA
Replies: 13
Views: 916

Re: The Value of a Roth IRA

For me, in the early days of Roth, it was the thought of cheating the taxman.

When I started modeling our retirement a few years before I retired, I came to the understand that those 15% tax contributions were protecting the survivor from paying 25%.
by RetiredAL
Thu Jun 06, 2019 10:22 pm
Forum: Personal Investments
Topic: Portfolio Review – Haunted by a Late Start on Retirement
Replies: 3
Views: 740

Re: Portfolio Review – Haunted by a Late Start on Retirement

I too got serious about your age for planning our retirement. At age 40, I had slightly more than a year's income valuation in my 401K. When I retired at age 66 three years ago, I did so with almost $700,000 in the my 401K, $210,000 total between our Roth's, and I took my Pension as a $325,000 Lump ...
by RetiredAL
Thu Jun 06, 2019 9:58 pm
Forum: Personal Investments
Topic: New ADP 401k just dropped. Which funds? Portfolio shuffle?
Replies: 16
Views: 1746

Re: New ADP 401k just dropped. Which funds? Portfolio shuffle?

Thanks for opening this! Mr. NorCal's employer is switching from Dimensional Fund Advisors to ADP's 401k on July 1. We're trying to figure out which funds to go with, and whether we're in for a full portfolio shuffle. Our preference is to keep things simple, with good quality overall, even if it me...
by RetiredAL
Wed Jun 05, 2019 7:40 pm
Forum: Personal Investments
Topic: Direct trustee to trustee transfer
Replies: 7
Views: 415

Re: In-kind 401k rollover

Agree with livesoft, in-kind implies you are moving the held funds as-is. Is there a "transfer out" fee? If so, consider nicely asking Schwab to cover that for you (they may depending on balance you are moving). When I moved my Dad's previously managed IRA to Schwab earlier this year, I asked for a...
by RetiredAL
Tue Jun 04, 2019 11:37 pm
Forum: Personal Consumer Issues
Topic: Recommendations for "Backup" software
Replies: 40
Views: 2691

Re: Recommendations for "Backup" software

I've never understood this obsession with "backup software". Simple is best. All my current 205 GB of data is in a single directory (well actually 3: Pictures, Music, Data). I simply copy that directory to my USB drives, and I have a specific schedule to do it. Simple, and reliable: I can see exact...
by RetiredAL
Tue Jun 04, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 61
Views: 5457

Re: Required Minimum Distributions

That bring up a concern I had not previously thought about. When the beneficiary is not the spouse, but other real people, how do the RMD's get taken as the IRA now belongs to one or more beneficiaries, not to the decedent's estate. In my case, my sister and I are the beneficiaries. Do we each with...
by RetiredAL
Mon Jun 03, 2019 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 61
Views: 5457

Re: Required Minimum Distributions

Another note: Make sure your heirs know about your RMD distribution schedule. We were fortunate--MIL died in July 2017, we had time to recognize that she hadn't done her 2017 RMDs, and the estate took them in plenty of time. There have been posts on this forum of people who lose a relative in Dec.,...
by RetiredAL
Mon Jun 03, 2019 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 61
Views: 5457

Re: Required Minimum Distributions

Another note: Make sure your heirs know about your RMD distribution schedule. We were fortunate--MIL died in July 2017, we had time to recognize that she hadn't done her 2017 RMDs, and the estate took them in plenty of time. There have been posts on this forum of people who lose a relative in Dec.,...
by RetiredAL
Mon Jun 03, 2019 9:50 pm
Forum: Personal Investments
Topic: Is Investing in Roth IRA worth it?
Replies: 21
Views: 2245

Re: Is Investing in Roth IRA worth it?

Although the OP thinks 160K or so is small peanuts if you have a spouse it becomes 320K. The impact of Roth savings extends far beyond one's retirement date and the end to one's contributions. In my case, since it's the last to spend money, after 20 years of retirement that $250,000 would become $6...
by RetiredAL
Mon Jun 03, 2019 7:49 pm
Forum: Personal Investments
Topic: Is Investing in Roth IRA worth it?
Replies: 21
Views: 2245

Re: Is Investing in Roth IRA worth it?

My wife and I contributed to our Roth's since just after their creation thru 2017. Today, they are worth $250,000. Those contributions were taxed as MFJ 15%. Our Roth's will be our last dollars spent and if they had been in our IRA/401K, they MOST LIKELY would be taxed as Single 25% when used. I'm p...
by RetiredAL
Mon Jun 03, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7142

Re: Do you drive old cars for long distance travels?

7 yrs ago, we drove our 17 year old 170,000 mile heavily loaded Aerostar from SF Bay Area to eastern Montana and back for our daughters wedding. The plan was if it died, we'd buy something wherever we were, even it might not be a keeper. We did build in 2 extra days on travel in getting there. The o...
by RetiredAL
Mon Jun 03, 2019 5:18 pm
Forum: Personal Consumer Issues
Topic: Windows 10 - May 2019 Update (1903)
Replies: 41
Views: 3448

Re: Windows 10 - May 2019 Update (1903)

Last week, I successfully installed 1903 on my very old Dell 620. I was pleasantly surprised. On the previous major auto update, it failed with a somewhat cryptic error msg that purportedly was related to a driver issue, but the log did not point to a driver at the termination point. Win10 did autom...
by RetiredAL
Sun Jun 02, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Required Minimum Distributions
Replies: 61
Views: 5457

Re: Required Minimum Distributions

I caution those that want to wait until December to take their RMD. Unexpected things can happen that take time to sort out. The Story: Last year, my Dad's monthly RMD due 11/30 did not occur. The account had been transition from "managed" to "self" but that got botched up. In spite to phone calls i...