Search found 96 matches

by doneat53
Wed Jun 17, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Check
Replies: 18
Views: 1371

Re: IRS Check

Dealing with Congressman's office and IRS 800 numbers can be a total time sink and headache (especially with everyone working from home and reduced staffs due to SARS-COV19 pandemic). If I were you I'd chalk it up to experience and enter the amount that they owe you (~20k right?) in the box marked "...
by doneat53
Mon May 11, 2020 8:19 pm
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 110
Views: 6887

Re: Password vault or generator?

Another perhaps unrecognized benefit of password managers is the ability to share your master password with your spouse or next of kin. Alternatively you can share an account. The point being that if you've ever had a parent or loved one die suddenly, sifting through old computer files or postit not...
by doneat53
Sat Feb 22, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Auto/Umbrella Ins. for child with car in his name?
Replies: 7
Views: 801

Auto/Umbrella Ins. for child with car in his name?

Hey Bogleheads, My son is 22 and is still covered for Auto insurance under our policy. His car is registered on our policy but the car is registered and owned solely by him. His name and his name only is on the title and registration but I've entered the vehicle on our policy and also have an umbrel...
by doneat53
Sat Jan 11, 2020 11:01 am
Forum: Investing - Theory, News & General
Topic: Here's what I still don't get with AA
Replies: 48
Views: 4988

Re: Here's what I still don't get with AA

I think a somewhat obvious point that needs to be made here is that a 50% loss in equities is temporary for most. In other words if you stay the course that 50% loss will turn into a gain within a few years of the drop (sometimes longer but on average a couple years). So, if you are young and don't ...
by doneat53
Fri Jan 03, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: DOS batch file and FFMPEG question
Replies: 14
Views: 540

Re: DOS batch file and FFMPEG question

start by running the ffmpeg commands by command line. once that works then batch it. Add less flags until it works and then determine which flag is messing you up.

Could be an incompatability with your ffmpeg version.
by doneat53
Thu Jan 02, 2020 7:39 pm
Forum: Investing - Theory, News & General
Topic: How do you value bonds prior to maturity?
Replies: 6
Views: 256

Re: How do you value bonds prior to maturity?

HueyLD wrote:
Thu Jan 02, 2020 5:10 pm
Go to “positions” and download the daily values to a CSV file which can be opened and read by Excel.
Thanks, been doing this a long time, don't know why I didn't think of that.
by doneat53
Thu Jan 02, 2020 4:51 pm
Forum: Investing - Theory, News & General
Topic: How do you value bonds prior to maturity?
Replies: 6
Views: 256

Re: How do you value bonds prior to maturity?

Why not accept the market price valuation Fidelity has -- as above? After all, if you sold the bonds now that would be the estimate of what you would get. Yes probably the easiest solution. Do you ... or anyone else know a way to follow a bond's market price daily? With stocks I just enter them in ...
by doneat53
Thu Jan 02, 2020 4:02 pm
Forum: Investing - Theory, News & General
Topic: How do you value bonds prior to maturity?
Replies: 6
Views: 256

How do you value bonds prior to maturity?

I have a bit of dilemma. I like to follow my investment returns via excel spreadsheet. When I buy brokered bonds I hold them to maturity, I almost never sell before. So I know the price I will sell it for, and I know the interest rate. The problem is most banks (I use Fidelity) value bonds based on ...
by doneat53
Wed Jan 01, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Parents vs. Kids Paying for College
Replies: 171
Views: 6989

Re: Parents vs. Kids Paying for College

Another variable you may not have considered is the feeling parents get when they experience their children making decisions that impact their lives based on the finances. "I don't think I'll go to graduate school because I can't afford it". Granted it's their choice but if you are capable of helpin...
by doneat53
Sat Dec 07, 2019 3:31 pm
Forum: Investing - Theory, News & General
Topic: Bonds vs. Bond Fund?
Replies: 51
Views: 3801

Re: Bonds vs. Bond Fund?

Kevin M. mentioned... Regarding the gift thing, my children's grandmother really blew it by not making more gifts up to the annual exclusion limits during her lifetime, which is costing her heirs boatloads of money in estate tax. But she was old school I guess, and didn't feel comfortable making suc...
by doneat53
Sun Nov 03, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Car rental insurance experiences
Replies: 31
Views: 3241

Re: Car rental insurance experiences

I often get told in Hawaii that there is extensive downtime while the car is being fixed because they have to wait for parts to ship from the mainland. I can't believe it takes much longer to ship stuff to Hawaii than anywhere else in the US but I suppose if they shipped it by boat it could take ext...
by doneat53
Wed Oct 09, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: iPhone question - purchase
Replies: 13
Views: 1730

Re: iPhone question - purchase

The "unlocked" feature mentioned above when buying from Apple is huge if your mom does any traveling. You can swap a sim card in the airport when you get to your destination and for say 20.00 have full phone use for your 10-20 day trip. If your phone is locked you won't be able to do this. Having a ...
by doneat53
Sun Jul 21, 2019 9:51 pm
Forum: Personal Consumer Issues
Topic: Will Tall Fence Lessen Neighboring Dog Bark Noise?
Replies: 54
Views: 3482

Re: Will Tall Fence Lessen Neighboring Dog Bark Noise?

Might worsen it. My experience is if the dog can't see you they are more excitable.
by doneat53
Sun Jul 14, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Health Care Options Until Age 65?
Replies: 25
Views: 3328

Re: Health Care Options Until Age 65?

100% of FPL for 2020 appears to be $12490 for a single person like myself. See the following article for more details on FPL:
Yabut you should use 100% FPL for the previous year for your calculations for current year. ie for 2019 use FPL for 2018
by doneat53
Mon Jun 17, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 7869

Re: How to avoid high vet bills?

Also frustrated with these high costs. In many cases the costs are more than we charge humans.... Yearly boosters aren't always necessary, especially in healthy pets. You can check antibody titers for pretty cheap independently of your vet by mailing a blood sample to several online labs. Of course ...
by doneat53
Mon Apr 29, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6563

Re: Boglehead Pilots...advice

I've used Foreflight in the past, and now use FlyQ.
Thanks, that makes sense.

Can you tell me what you like better about FlyQ since you've used them both?
by doneat53
Sun Apr 28, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6563

Re: Boglehead Pilots...advice

Navigation has changed dramatically since the iPad came out, there are several apps for the iPad (ForeFlight, WingX, fltplan.com, Garmin) that make navigation much easier and safer. But they take time to learn to use, so budget for that time and try to do as much on the ground as you can. If you wi...
by doneat53
Mon Apr 22, 2019 10:38 pm
Forum: Personal Investments
Topic: Getting through a 2008-like crash during retirement
Replies: 38
Views: 5397

Re: Getting through a 2008-like crash during retirement

I highly recommend "Why Bother with Bonds" by Rick Van Ness. It is a short read with good illustrations and will give you a general knowledge of bonds and what affects their yields. I think it is a must read for anyone with bonds in their portfolio (most of us).

doneat
by doneat53
Tue Apr 02, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6563

Re: Boglehead Pilots...advice

What is the additional cost of an instrument rating? How many hours of instructor time and is there another written etc just like the private license? I agree with the plan that instrument rating will likely be necessary. I'm on the coast and weather will keep me on the ground a lot without an instr...
by doneat53
Tue Apr 02, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6563

Re: Boglehead Pilots...advice

Wow, thank you everyone for all the tips and information. This is VERY helpful. I sort of thought the response would be generous as my father used to love to talk about flying, give advice to young pilots, and always welcomed them into the "club". I wish he was still around to teach me some basics a...
by doneat53
Mon Apr 01, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6563

Boglehead Pilots...advice

I'm planning on getting my pilot's license. My father flew and owned a 206 so I'm familiar with and comfortable with small planes. There are several flight schools in my area and with the research I've done I think I can map out a plan but I could use some advice from veteran pilots and those that h...
by doneat53
Fri Feb 15, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 36150

Re: Early retirees, how much did you leave on the table?

I'll confess I haven't read all 7 pages of response to the op's question but perhaps I had a different take on the equation. For me the "done with work" line involved two different balances. 1) As my nest egg grew at some point it becomes apparent that the yearly "income" from dividends and capital ...
by doneat53
Wed Feb 06, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help me out on paying off Mortgage.....
Replies: 2
Views: 669

Help me out on paying off Mortgage.....

Hey Bogleheads, So I called my mortgage company today (Freedom) to figure out how to close out my mortgage (just a couple thou left). The person was a bit opaque and despite my efforts I really couldn't get a straight answer from him. He states that if I pay the balance off on my account that that i...
by doneat53
Wed Feb 06, 2019 12:16 am
Forum: Personal Investments
Topic: Just about retirement age...am I on the right track?
Replies: 15
Views: 2488

Re: Just about retirement age...am I on the right track?

I agree with the other comments that you are in a good spot. The one thing I'd recommend, especially if you are comfortable with spreadsheets, is to make a withdrawl plan that maximizes tax savings and minimizes healthcare expense. As you and your wife go to part time your annual income will drop si...
by doneat53
Sun Feb 03, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used software to write a Will?
Replies: 66
Views: 5333

Re: Has anyone used software to write a Will?

IMHO the utility of having a full scale will depends somewhat on the state or distribution of your assets. If most of your wealth is in retirement and brokerage accounts then hiring a lawyer to draw up a will is a waste of time and money. If you want a minimalist approach that you can complete in th...
by doneat53
Thu Dec 27, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawal Calendar/ Academic Year Timing
Replies: 8
Views: 704

Re: 529 Withdrawal Calendar/ Academic Year Timing

I think most schools are aware of this problem if you just talk with the business office. The deadline for the school my kids attend is Jan 2 but they recognize this problem and allow you to wait until Jan to send the check and they ask that I just let them know that the check is on the way. So I ha...
by doneat53
Mon Nov 12, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 8985

Re: 457 vs 403b

I think there are institutional variants of both 457 and 403b but I'm not positive. With that caveat in mind, I'm allowed to contribute to BOTH my 403b and my 457b such that max contribution for 457 is 18.5k + 6k (I'm over 50) and 403b is the same so for a total tax free contribution of 49k. I'm pre...
by doneat53
Sat Nov 10, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 42
Views: 5547

Re: TurboTax on TaxMarkDown.com

I make it a point to get the absolute cheapest deal on TT software each year. Kind of a game. :sharebeer
by doneat53
Sat Nov 10, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax on TaxMarkDown.com
Replies: 42
Views: 5547

Re: TurboTax on TaxMarkDown.com

Is there some way to check a product code or otherwise to determine if the download from taxmarkdown.com is legit?
by doneat53
Wed Oct 31, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Falling off the ACA subsidy cliff
Replies: 62
Views: 6261

Re: Falling off the ACA subsidy cliff

marcopolo wrote:
Wed Oct 31, 2018 2:32 pm
The Premium Tax Credits (PTC) for each year is computed based on the previous year's FPL. Are you using the FPL from the same year?
Thanks, that explains it, I was using 2018 FPL for 2018 healthplans.
by doneat53
Wed Oct 31, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Falling off the ACA subsidy cliff
Replies: 62
Views: 6261

Re: Falling off the ACA subsidy cliff

Not sure the meaning of this but perhaps someone can comment... When I put in an income of 400% FPL in to the health plan finders it usually doesn't generate a "subsidy premium" I have to go another 4-5k lower to actually have the health plan display show a subsidy premium. All this to say you might...
by doneat53
Wed Oct 24, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHCP and other considerations
Replies: 14
Views: 838

Re: PPO vs HDHCP and other considerations

Since the delivery of the baby is both predictable and major expense I would plan everything in that context. Pick the plan that will make that expense the cheapest for you and covers the hospital you wish to have the baby at and after that is done switch back to HDHP given your young age and appare...
by doneat53
Tue Aug 28, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: Knob and Tube rewire cost
Replies: 39
Views: 7711

Re: Knob and Tube rewire cost

I think your quote is somewhat typical although it is difficult for us to assess the complexity of your job. That said, 12k for rewire doesn't compare to the effort and time put into other projects in the house that go for much less. Take painting for example. Also, you should check to see if that q...
by doneat53
Fri Aug 10, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Anyone been to Molokai lately?
Replies: 8
Views: 1803

Re: Anyone been to Molokai lately?

Thanks for all the responses, I thought this post was overlooked and was happy to see all the comments.
by doneat53
Fri Aug 10, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Evaluating Munis beyond rating
Replies: 11
Views: 1087

Re: Evaluating Munis beyond rating

33% Federal income bracket so munis make a lot of sense for us.

So for these "additional" criteria (state, subject of bond, etc.) they are not included as part of the Moody or S&P rating?

Thanks for all the input. Just trying to get a feel for how people evaluate a muni purchase.
by doneat53
Fri Aug 10, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: Achieva offers 4.2% 5 year IRA CD for $75k or >
Replies: 32
Views: 6797

Re: Achieva offers 4.2% 5 year IRA CD for $75k or >

I'm interested in becoming an Achieva member, is the only way to be related to a member or live in Florida?
by doneat53
Thu Aug 09, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Evaluating Munis beyond rating
Replies: 11
Views: 1087

Evaluating Munis beyond rating

I'm looking into buying some AA or better muni bonds. Curious if there are other indicators of risk besides the S&P or Moody's rating? For example ... Date of last rating Underlying rating pay frequency...money in the bank if more frequent? How do you feel about AA- or AA3 vs AA? Are these significa...
by doneat53
Mon Jul 30, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Questions
Replies: 13
Views: 1452

Re: Auto Insurance Questions

It does not Then I would tend to say "no" you don't need those extra coverages but if it were me, I'd call geico and propose the scenario to them... ie "It seems to me that my umbrella policy should kick in if the personal injury on my auto insurance isn't enough... is that your interpretation?" an...
by doneat53
Mon Jul 30, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Questions
Replies: 13
Views: 1452

Re: Auto Insurance Questions

In my world... I have two teenage sons. They are the biggest risk and liability on my auto insurance policy and why I have an umbrella as well. So the answer to your question is one of risk tolerance and depends on whether your risk profile includes teenage drivers.
by doneat53
Wed Jul 25, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 484
Views: 91354

Re: 2-year CDs at Vanguard and Fidelity Today

7/25/18?? or do you mean 7/25/19? I don't see anything close to this at 1 or two year maturity.
by doneat53
Sun Jul 22, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: WSJ Article on Aging -- Scary Stuff..
Replies: 16
Views: 2342

Re: WSJ Article on Aging -- Scary Stuff..

I was able to access the article by googling the title and clicking on the link. This is the tip of the next phase of the baby boomer iceberg. Elderly care will become huge in the next 10-20 years. IMHO part of the solution is for families to step up but when you have no children, or no living relat...
by doneat53
Thu Jul 19, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Money and Closing Bank Account
Replies: 12
Views: 1297

Re: Transferring Money and Closing Bank Account

set up an ACH transfer (there should be a way to link your local bank to the transfer bank). It might take a few days, usually once you link the banks with a routing number the bank will transfer a few cents in to transfer and have you report the amounts to them to confirm you own the transferring a...
by doneat53
Wed Jul 18, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 3699

Re: Wills

A quick reassuring thing you can do (that will supersede a will) is to set your beneficiaries on your retirement account and other accounts. In many cases these are blank because new accounts don't require you to set them up right away and they get forgotten about or seem irrelevant when the account...
by doneat53
Tue Jul 10, 2018 8:03 pm
Forum: Personal Investments
Topic: Should I rollover 401 and 457? Newbie
Replies: 11
Views: 936

Re: Should I rollover 401 and 457? Newbie

Keep in mind that once your 457 becomes part of your 401k it will have RMDs at age 70... Perhaps it will anyway but I'd look into that. I'm sure it seems like it simplifies things to role the 457 into 401K or IRA but unless the investment choices are poor for the current 457 I don't think it makes a...
by doneat53
Tue Jul 10, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Anyone been to Molokai lately?
Replies: 8
Views: 1803

Anyone been to Molokai lately?

Hey Folks, We've traveled to Hawaii for years, most recently Kauai but are looking for a new venue. I've been to Molokai once as a kid but as I read about it the Sheratin where we stayed is dilapidated and apparently the mule trips to the former leper colony are no more because of some legal dispute...
by doneat53
Fri Jul 06, 2018 8:45 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 428
Views: 70860

Re: Roll Call for the Retirement Class of 2019!

Jan 2019 for me!
by doneat53
Wed Jun 27, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 113
Views: 20444

Re: Umbrella Policy: Right amount for $7 mil net worth?

If part of that 7 mil is in a Employer sponsored 401K it would be protected from liability claims as I understand it. Umbrellas are good for people with young drivers. They mostly provide additional Auto liability coverage since that is the most likely source of liability that would generate a huge ...
by doneat53
Tue Jun 26, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 484
Views: 91354

Re: 2-year CDs at Vanguard and Fidelity Today

Probably a stupid question but do brokered CD's "roll" at their term or do they just cash out to your account?
by doneat53
Sat Jun 16, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 83
Views: 12945

Re: African Safari: Worth it or Hype?

I would like-in it to being able to go back in time and travel the great plains of the US when the buffalo were at their peak. It's worth timing it for the wildebeest migration. If you are into ecology, climate, and the natural order of things I highly recommend it for the animals. If you are into a...
by doneat53
Sat May 05, 2018 2:21 pm
Forum: Personal Investments
Topic: Understanding Bond Metrics
Replies: 8
Views: 1055

Re: Understanding Bond Metrics

One more question. So basically I paid an interest paytment when I purchased the note, and then received the scheduled coupon payment 1 month later. Does the federal government account for the fact that I paid 90% of the coupon payment in interest at the time I purchased the note or will I be charge...