Search found 49 matches

by RetiredAL
Fri Feb 09, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: HSA...let me get this straight
Replies: 36
Views: 3749

Re: HSA...let me get this straight

I posted earlier and didn't get any response. Can you have FSA and HSA in same CY if you switch health plans on your companies open enrollment that occurs in FY (JUL-JUN) not CY? Yes, you can do that Yes, however the year amount is prorated by the number is months you had the high deductible plan.
by RetiredAL
Fri Feb 09, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Computer Backup Software With Accompanying External Drive
Replies: 14
Views: 1381

Re: Computer Backup Software With Accompanying External Drive

LadyGeek, There are many ways to skin the backup cat and I take interest in other peoples ways. I've used Clonezilla for many years and have been happy with it. With Win10, you must do a full shutdown via the command line before you make a Clonezilla image. Do note that Clonezilla will not restore t...
by RetiredAL
Fri Feb 09, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Multiiple indicator lights on (car)
Replies: 44
Views: 1617

Re: Multiiple indicator lights on (car)

My wife knows that whenever the check engine light turns on she needs to immediately pull to the side of the road, read the error code and look it up on her phone to make sure the underlying issue isn't about to cause irreparable harm to the engine. It happens about twice a year and typically a loo...
by RetiredAL
Tue Feb 06, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 2609

Re: Comcast Modem Rental

MOST important when returning any Comcast equipment, TAKE IT to their store, GET a receipt, SAVE that receipt, and make sure they stop billing you for that equipment. The last time I turned in equipment, they continued to bill me, when I called, the Rep could clearly see it had been turned it, yet ...
by RetiredAL
Sat Feb 03, 2018 12:52 am
Forum: Investing - Help with Personal Investments
Topic: Your S&P Rebalance Numbers?
Replies: 11
Views: 929

Re: Your S&P Rebalance Numbers?

Yesterday, 2/1. I re-balanced a total of 7 fund positions in 2 different IRA's. The SP500 closed at 2822. This evening, I sorta fell felt I was lucky over my timing, but in truth it was all mechanical. On Dec 31, I was near but had not crossed AA my band limits. On Jan31, I had crossed the band limi...
by RetiredAL
Sat Jan 27, 2018 12:28 am
Forum: Personal Consumer Issues
Topic: Road Trip Denver to Las Vegas
Replies: 12
Views: 980

Re: Road Trip Denver to Las Vegas

Dinosaur National Monument near Vernal Utah
by RetiredAL
Thu Jan 25, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Credit Card Compromised... again.
Replies: 16
Views: 1052

Re: Credit Card Compromised... again.

Based on several recent posts, it seems to me that there is a re-occurring erroneous thought many have that “you” are, or will be, responsible for CC Fraud. That’s just not true. 1. With a CC, initially it’s not your money at risk, and will not likely become so later. 2. You are NOT RESPONSIBLE if y...
by RetiredAL
Sun Jan 21, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401k when company is acquired
Replies: 2
Views: 246

Re: Roth 401k when company is acquired

I am not an expert, but my understanding has been that whenever a plan is closed, that you can do a roll-over of that money. To me, moving from one company's plan to another company would be a closure. Ask them point blank about that. 30 years ago, my company closed their in-house 401k and moved eve...
by RetiredAL
Sun Jan 14, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: effect of authorized user on credit report?
Replies: 8
Views: 537

Re: effect of authorized user on credit report?

Starting with my DD, I opened co-owned checking and credit card accounts during her high school senior year. That got her a good card with a decent but not huge limit that I could I could closely monitor and make sure got paid. I also could monitor how she managed the pocket money sent to their chec...
by RetiredAL
Sun Jan 14, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 47
Views: 2559

Re: Is this solar panel bid reasonable?

Be aware "net-metering" charging that the solar owners love seems to be heading to to "time-of-day" charging. This is happening because the "net-metering" financial model is not sustainable when solar becomes a significant % of the electric generation. Too many fixed costs someone has to pay for, pl...
by RetiredAL
Fri Jan 12, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8155

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Always insist on a plain old ATM card, not one that has the Visa "feature." This is all fine and good, but if you ever travel out of the country, an ATM-only card is not going to work, and you won't find your own bank's ATM machines there. So, you just won't be able to obtain cash. In some countrie...
by RetiredAL
Fri Jan 12, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 8155

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Always insist on a plain old ATM card, not one that has the Visa "feature." I too use only a plain ATM Card. I had to argue with the bank to send me one a few years ago after they upgraded me to a Visa ATM, without my consent, as part of a routine expire replacement. I also never use my ATM Card an...
by RetiredAL
Tue Jan 09, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Question regarding forced hot water system
Replies: 19
Views: 985

Re: Question regarding forced hot water system

Remote monitoring is useless, it will not work during a power failure. Some remote monitoring has battery backup (mine does). Of course, this not foolproof either, as the battery might fail before a freeze-up is detected during a prolonged outage. My system detects a power loss and reports it on ba...
by RetiredAL
Tue Jan 09, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Question regarding forced hot water system
Replies: 19
Views: 985

Re: Question regarding forced hot water system

Appreciate hearing from all the Bogleheads on my original question. From the several responses I am thinking for next year, when I leave for Florida, it would be best to have my plumber put anti-freeze in my heating pipes and to shut off the water at the supply valve. Thanks for all the comments. I...
by RetiredAL
Mon Jan 08, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 7048

Re: Are Password Managers Really Necessary?

Interesting dialog. Here's my 2 bits... How many logon's do I (you) have where security are really important? OK, my (your) bank, my (your) investments, and a handful of others. My "Master ISP Account" and it's e-mail is not used anywhere, and there is telephone support available, thus resetting the...
by RetiredAL
Sun Jan 07, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1336

Re: Question on Natural Gas Meter

A standard home gas meter requires constant pressure to accurately measure the CuFt used. A regulator is always upstream of the meter. Some systems in very old areas may have a street side regulator that feeds many houses or even many blocks, which would be evidenced by no regulator at the meter. T...
by RetiredAL
Sat Jan 06, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Question on Natural Gas Meter
Replies: 20
Views: 1336

Re: Question on Natural Gas Meter

The safety issue is that the Regulator Vent must be freely open to atmosphere. The standard regulators are differential regulators and if the vent is blocked by ice or any other pluggage, then the pressure after the regulator will be high, up to the distribution pressure which could be 5 to 90 PSI, ...
by RetiredAL
Tue Jan 02, 2018 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Retirement decision help!
Replies: 68
Views: 6068

Re: Retirement decision help!

60% stocks is more aggressive than how it would be managed in a annuity. A annuity would be mostly invested in bonds. Booch, I appreciate your concern, but I am comfortable with this account's AA, as it's integrated in with other investment options. 1. It's a smaller part of my total investments an...
by RetiredAL
Mon Jan 01, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement decision help!
Replies: 68
Views: 6068

Re: Retirement decision help!

booch221 wrote:
Mon Jan 01, 2018 6:32 pm
Is your AA 60/40 stocks/bonds?
booch, if you were asking me; Yes, my AA = 60/40 on that account. I will edit my post to clarify.
by RetiredAL
Mon Jan 01, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement decision help!
Replies: 68
Views: 6068

Re: Retirement decision help!

I retired in early 2016 at 66 with similar pension options and faced the same agonizing decisions. I choose to take the lump sum, which I rolled into its own IRA. I have some nagging health issues, thus I’m not likely to live 20+ years. I didn’t want DW left high and dry, as many have written here a...
by RetiredAL
Tue Dec 26, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 41
Views: 4212

Re: Tax Reform - Revised Kiddie Tax

With respect to UTGA/UGMA accounts....... It seems to me, most UGMA accounts would NOT have large enough yearly gains to exceed the 15% rate IF CapGain Harvesting was done yearly. After all, $100,000 account balance would need a 13%+ return harvested year to exceed the 15% tax rate. When less gain o...
by RetiredAL
Thu Dec 21, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51042

Re: Tax Bill Omnibus Thread

I have seen no mention of the QCD (qualified charitable deduction) for 2018. Does this mean it remains in place? Hoping! Per Ed Slott -- "Yes, Qualified Charitable Distributions (QCDs) remain available under the new law. In fact, it may make them more popular than before." Posted 12/21/2017. https:...
by RetiredAL
Tue Dec 19, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 5577

Re: Electric Energy Usage

MedicatedMoney 1. Neighbor or BH comparisons are useless. Too many variables including head count which equates to HW demand. 2. What is your cost of electricity? 3. What would you expect propane to cost? As I said before, focus on HW. Just to give you some ideas..... 100,000 btu at 100% efficiency ...
by RetiredAL
Sun Dec 17, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 5577

Re: Electric Energy Usage

MedicatedMoney, Go focus first on hot water usage. A 15 min shower at 4 gpm = 60 gallons = 500 lbs. Assuming 50 degree hot water rise ( 50 to 100), that's 25,000 btu, which would require 7.3 kwh for a pure electric hot water heater. Factor that by your HP COP. If the COP = 2 on a cooler day, then th...
by RetiredAL
Fri Dec 15, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade wrong IRA distribution
Replies: 9
Views: 700

Re: Scottrade wrong IRA distribution

Earlier this year at Schwab, I inadvertently deposited a small ($1500) pre-tax rollover check into a Roth account instead of into a tIRA account. Error was caught in 3 days. The account numbers were very similar. Schwab said no problem, that they could reverse the incorrect deposit to as if it never...
by RetiredAL
Thu Dec 14, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 59774

Re: Retirement Account Stolen by Identity theft

Found this somewhat similar story on the Internet News about a Canadian Bank not replacing a lost check until it hit the news. https://www.npr.org/sections/thetwo-way/2017/12/14/570859366/an-846-000-inheritance-got-lost-in-transit-that-was-in-february "It's been more than nine months since a family ...
by RetiredAL
Sun Dec 03, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: 208 Volt 3 phase
Replies: 13
Views: 1337

Re: 208 Volt 3 phase

TomCat, There are several transformer/wiring combinations for service entrances, so no one here to give you an accurate answer. The service could be either 120/208 or 120/240/208. The total 120 volt current draw capability varies substantially between the two types. Both types are common. If the ser...
by RetiredAL
Tue Nov 21, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: recharacterization question
Replies: 2
Views: 530

Re: recharacterization question

Thank you user5027.
by RetiredAL
Mon Nov 20, 2017 11:33 pm
Forum: Investing - Theory, News & General
Topic: recharacterization question
Replies: 2
Views: 530

recharacterization question

I am planning on doing a tIRA to Roth Conversion in the next few weeks and have a recharacterization question for those that are familiar with the process details. Me: -Retired, aged 67, with little to no wage income expected in 2018. -I'm anticipating doing a $30,000 tIRA conversion to a Roth in De...
by RetiredAL
Thu Oct 19, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparents want to give to grandkids
Replies: 33
Views: 3363

Re: Grandparents want to give to grandkids

This is an interesting thread. I fall on the side of posters who believe that the concern over grandchildren squandering the money is overblown, at least based on my experience. BigLaw, Like you, I too have been bothered by some of the comments on this thread. I am a parent of three whose grandpare...
by RetiredAL
Tue Oct 17, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 2548

Re: Calculating max electrical load of your home

TomCat, All houses built since WW2 have 120/240 3-wire 1-phase service. Two Hots and a Neutral. 120V is from either Hot to the Neutral. 240V is Hot to Hot. So, unless your house is ancient and never has been re-wired, your panel can provide either 120V or 240V. Yeah, years ago that was 110v/220V, bu...
by RetiredAL
Tue Oct 17, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Calculating max electrical load of your home
Replies: 34
Views: 2548

Re: Calculating max electrical load of your home

Tomcat, If YOU want to do your own rough estimate of your current panel's capacity, do a Google search for NEC Load Calculation Worksheet . Unless you have added circuits yourself without permits, your main panel is likely adequate, as reserve capacity would likely been included when it was installe...
by RetiredAL
Fri Oct 13, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling over 401K to Roth and Traditional IRA
Replies: 4
Views: 409

Re: Rolling over 401K to Roth and Traditional IRA

Just read the IRS document on rolling over 401K to Roth. My current 401K percent from from Fidelity is below: Basic before tax 35.87% Prior Com match 25.53% Sup before tax 14.89% Basic after Tax 10.36% Add sup before tax 5.56% Com match 4.65% sup after tax 3.14% My understanding is that I can roll ...
by RetiredAL
Thu Oct 12, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Circumstances in which a freeze needs to be lifted
Replies: 34
Views: 2988

Re: Circumstances in which a freeze needs to be lifted

Your current address is part of your identity so the credit agencies insist that you update your records with your current address. Your current address helps the agencies verify that a credit request is valid. If you apply for a new credit card after you move, would you put your old address or you...
by RetiredAL
Sun Oct 08, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Grandad gifted FAGIX in UTMA account
Replies: 17
Views: 1607

Re: Grandad gifted FAGIX in UTMA account

Along with the other fine responders, I agree with your tax harvesting thoughts relating to this existing gain. Going forward, I suggest harvesting gains up to the kiddie limits or any losses each year. When my parents did custodial accounts for my kids, no thought was given towards future taxation,...
by RetiredAL
Sun Sep 17, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Pocket money allowance for college student
Replies: 48
Views: 3132

Re: Pocket money allowance for college student

MoneyRat: Before my daughter went off to college a 1000 miles away 18 years ago, I got a her a joint CC at our bank with a few thousand limit, along with a checking account, which I made sure got paid while monitoring the expenses. A CC and Checking starts her credit/financial history, but most impo...
by RetiredAL
Sun Sep 17, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Breaches into Financial Accounts - Has it happened to you?
Replies: 2
Views: 858

Re: Breaches into Financial Accounts - Has it happened to you?

Since 4 days and near 500 reads have passed without a single "yes", I think I can conclude that actual intrusions into people's account's are a rare a occurrence. Thanks to all who read. And special thanks to Littlebird for the bump on Saturday. That was "Dad's" day to me, so I didn't even check BH....
by RetiredAL
Wed Sep 13, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Another battery question
Replies: 25
Views: 2663

Re: Another battery question

1.5W works out to be about about 110ma, 1/10 of an amp. And that's assuming bright direct sunlight, which only happens for about 1/3 the day. I'd wager with modern car's, the "Always On" stuff, like your entry/alarm system and the Engine Computer in standby, will consume more power than that charger...
by RetiredAL
Wed Sep 13, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Breaches into Financial Accounts - Has it happened to you?
Replies: 2
Views: 858

Breaches into Financial Accounts - Has it happened to you?

Breaches into Financial Accounts - Has it happened to you? I am curious as to how often this happens. Who out there in Boglehead Land has had an ACTUAL BREACH to their personal or an immediate family member's Core Financial Accounts at a Bank, Brokerage, or Credit Union. By breach, I mean having Log...
by RetiredAL
Fri Sep 08, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: On Medicare Part A & Spouse's corporate medical policy which ends 9/30/2017
Replies: 12
Views: 1232

Re: On Medicare Part A & Spouse's corporate medical policy which ends 9/30/2017

OP, Besides the Part B enrollment form, you will likely need to get and fill out a CMS-L564 form that your spouses employer also needs to fill out for proving you've both had employer coverage. Best to get that done with/before their retirement processing with their employer. If you want your Part B...
by RetiredAL
Mon Sep 04, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Insulation in home question
Replies: 25
Views: 2393

Re: Insulation in home question

JMETS- Air leakage is a very significant factor in household heat loss. That said, making the house too tight can lead to "sick House" syndrome, thus many new sealed homes use forced air exchange with heat recovery. Do take care of significant gaps like door jams, windows, attic hatch/door, pipes th...
by RetiredAL
Thu Aug 10, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: foursquare laptop warranty for college bound daughter
Replies: 17
Views: 1270

Re: foursquare laptop warranty for college bound daughter

My experience: When my daughter went to Grad School 14 years ago, I bought her a Dell Laptop using a code-key for her college. Laptop was more than 2x what the OP paid, as she need higher grade video to effectively use GIS Mapping Software. I opt'd for the extended coverage from Dell for about $200....
by RetiredAL
Sun Aug 06, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Credit Card company email "Do you recognize this purchase?"
Replies: 27
Views: 2757

Re: Credit Card company email "Do you recognize this purchase?"

I'm glad all worked out fine for the OP. Caution is ALWAYS the WORD for any email that is asks you to logon to fix/verify something. Just 4 days ago, my 93 yr old Dad received an email purportedly from Schwab stating that his moneylink transfer did you work due to an error and to go to this link, lo...
by RetiredAL
Sun Jul 16, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Transferred Roth from NWM to Fidelity, now what?
Replies: 14
Views: 1121

Re: Transferred Roth from NWM to Fidelity, now what?

A Fidelity site search for "FIDELITY FREEDOM" will return a list of their target date funds.
by RetiredAL
Sat Jul 15, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Transferred Roth from NWM to Fidelity, now what?
Replies: 14
Views: 1121

Re: Transferred Roth from NWM to Fidelity, now what?

ER=1.35% I'd dump it just because of this. Unlike Fidelity's and VG target-date funds, there are also significant buried ER's from the Funds which that Fund holds. A quick examination of a few of them indicates the underlying Funds have ER's of .7 to 1.2%, so figure the total ER is likely around 2....
by RetiredAL
Sat Jul 15, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Transferred Roth from NWM to Fidelity, now what?
Replies: 14
Views: 1121

Re: Transferred Roth from NWM to Fidelity, now what?

RALAX = Russell Investments LifePoints Growth Strategy Fund Class A
ER=1.35%;
Front Load = 5.75%; No Back Load
M* Return Rating: Below Average
by RetiredAL
Sat Jul 08, 2017 12:50 am
Forum: Personal Consumer Issues
Topic: What is this cable device?
Replies: 53
Views: 3861

Re: What is this cable device?

OP, Your cable people installed a powered amplifier/splitter somewhere on your property, most likely where your house splitters are, maybe in a box on the side of your house where the cable enters from the street, or in your garage. Since it's unlikely to have power at that location, they install a ...
by RetiredAL
Wed Jul 05, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Saltatory decumulation as a tax strategy.
Replies: 19
Views: 2674

Re: Saltatory decumulation as a tax strategy.

VT, Based on what you've posted I'm concerned you may have crossed up your Gross Income (AGI ) vs Taxable Income concepts, . The top of the 15% bracket in round numbers for 2016 was 98K Gross Income ( AGI ). Taxable Income = 98K - 23K ( $15K Std Deduction + 8K Personal Exemptions ) = 75K Taxable Inc...
by RetiredAL
Mon Jul 03, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: When Did You Start Investing Your Own Money?
Replies: 47
Views: 3789

Re: When Did You Start Investing Your Own Money?

Me: Late 28's ( late 1970's ) when PAYSOP was issued, then into 401K when that became available. Of course, I had Savings Bonds and Saving Accounts much earlier. Today, between me and DW, who was a stay at home Mom, its all worth enough that with just our SS, it replaces all of my take home pay usin...