Search found 69 matches

by RetiredAL
Fri Apr 20, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 80
Views: 8331

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: 1525

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: 3170

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: 1722

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: 95
Views: 6932

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: 95
Views: 6932

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: 95
Views: 6932

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: 1219

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 - ...
by RetiredAL
Sun Apr 08, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Water pressure regulator sanity check
Replies: 7
Views: 731

Re: Water pressure regulator sanity check

Two months ago I had a water pressure regulator installed on our house. ....... wanted to confirm my idea that this has nothing to do with installing the pressure regulator. Does that seem right? Thanks! You are correct. Water meters measure by volume, usually CuFT, but could be gallons. The water ...
by RetiredAL
Sun Apr 08, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implications on UGTMs beyond the "Kiddie Tax"
Replies: 23
Views: 1153

Re: Tax implications on UGTMs beyond the "Kiddie Tax"

Are you aware of whether tax loss harvesting would make any sense or be of any benefit within a UTMA/UGMA account? jaj, So far, I'm only doing annual year end harvesting in Dec, mechanically on a schedule like I do for asset allocations. I do not intend to micro-manage this account to every little ...
by RetiredAL
Fri Apr 06, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implications on UGTMs beyond the "Kiddie Tax"
Replies: 23
Views: 1153

Re: Tax implications on UGTMs beyond the "Kiddie Tax"

Don't mean to hijack this thread but it seems there are a few knowledgeable people looking at it. I started a UGMA (South Carolina) for my daughter with credit card cash back rewards. For 2017, I proactively TLH'd to the tune of $130 of short-term cap gains and $355 of long-term cap gains. It was m...
by RetiredAL
Fri Apr 06, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implications on UGTMs beyond the "Kiddie Tax"
Replies: 23
Views: 1153

Re: Tax implications on UGTMs beyond the "Kiddie Tax"

I agree with the previous replies that these funds would have received a stepped up basis on the date of the decedents death and only the gains since then would be subject to capital gains tax rates, Which brings up the most important point. UTMA accounts should always be pro-actively tax-gain harv...
by RetiredAL
Mon Apr 02, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: help with Morgan Stanley tax statement
Replies: 15
Views: 608

Re: help with Morgan Stanley tax statement

Montana, You can lump multiple entries of a single non-covered securities together as long as you separate LT vs ST while labeling the date as "various". However, if there are multiple non-covered security, each must be listed. You cannot mix security A and B into a single lump. For non-covered secu...
by RetiredAL
Mon Apr 02, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: help with Morgan Stanley tax statement
Replies: 15
Views: 608

Re: help with Morgan Stanley tax statement

Montana... As said by Livesoft, there are short cuts. Any "Covered" transactions only needs to be entered as the 1 line summary for that category for that broker, NOT the many many lines of detail. The IRS only matches your total to the reported total. Since "Covered" reporting started 6 years ago, ...
by RetiredAL
Tue Mar 27, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Tax bill for an account I don’t know by the IRS every year
Replies: 21
Views: 3031

Re: Tax bill for an account I don’t know by the IRS every year

I don't think there's SSN stealing going on here. The tax ID number for an LLC would generally be an EIN, a 9 digit number assigned by the IRS with the format XX-XXXXXXX. The problem is that SSNs also have nine digits, but formatted differently XXX-XX-XXXX. Further problem, as I understand it, is t...
by RetiredAL
Mon Mar 26, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Downloading 1099s into H & R Block
Replies: 12
Views: 574

Re: Downloading 1099s into H & R Block

H & R Block needs access to my Vanguard account to download 1099 data into their software on my computer. To do so they need my user name and password. This is my first time doing this - seems risky to me. How to others handle this? I'm using the Deluxe package. The solution is simple: Just change ...
by RetiredAL
Wed Mar 14, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone using a bill paying service?
Replies: 16
Views: 1527

Re: Is anyone using a bill paying service?

Does your relative's bank have a "bill pay" function?

If yes , all you may need to do have him/her declare you to the as their "agent" with the bank, then you can do it online at that bank.
by RetiredAL
Wed Mar 14, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Bank reports address change for all joint account holders
Replies: 4
Views: 713

Re: Bank reports address change for all joint account holders

MRC, I've also run into this, in a slightly different way. After my Mom passed away several years back, my elderly Dad did not want to be bothered with his financial affairs, which my Mom had always done, so he made me the trustee of their trust with the clause that he could reclaim the trustee-hood...
by RetiredAL
Sun Mar 04, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Updated IRS Withholding Calculator Released
Replies: 32
Views: 3097

Re: 2018 Updated IRS Withholding Calculator Released

Head up: Check your new withholding $.. I was at my elderly Dads yesterday doing prep work for meeting with his tax person this week. In his new mail, was a statement relating to his Military Retirement, stating that under the new withholding formulas, they were reducing his Fed Withholding by $160 ...
by RetiredAL
Sun Feb 25, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: AC/Furnace Questions- 1 stage or 2 stage?
Replies: 45
Views: 2383

Re: AC/Furnace Questions- 1 stage or 2 stage?

DVA79, If you don't have enough air flow to the most distant location, you will never achieve a decent comfort level, heat or cool. In general, the larger the heater size, the higher the air capacity it will have. Air capacity is reduced by the AC's coils. In general, the larger the AC is, the large...
by RetiredAL
Fri Feb 09, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: HSA...let me get this straight
Replies: 36
Views: 3873

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: 1457

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: 1776

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: 2787

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: 969

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: 1043

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: 1102

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: 260

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: 576

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: 57
Views: 3694

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: 8635

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: 8635

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: 1027

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: 1027

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: 7719

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: 1385

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: 1385

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: 6350

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: 6350

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: 6350

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: 44
Views: 4888

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: 54193

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: 5834

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: 5834

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: 767

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: 62134

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: 1423

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: 546

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: 546

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: 3458

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...