Search found 35 matches

by Zonian59
Thu Sep 20, 2018 1:24 am
Forum: Personal Consumer Issues
Topic: Landscaping costs?
Replies: 13
Views: 1623

Re: Landscaping costs?

I've been thinking about redoing my front and backyard too. I've gotten them to the point where it is barren. Need grass, shrubs, plants, some small trees and some sprinkler rework. I noticed some community colleges or universities offer landscaping programs. Is it possible to contract with the scho...
by Zonian59
Thu Sep 20, 2018 1:12 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 86
Views: 5789

Re: Did you really have something to retire to?

I originally planned to retire to reading all the books and music CDs accumulated over the years, getting reacquainted with model railroading hobby that my father and I enjoyed when I was a young boy, and doing some travelling to state fairs and air shows around the country. All that changed two yea...
by Zonian59
Wed Sep 19, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 38
Views: 2654

Re: Dental work and hypertension issue

Everybody, Thanks for all your comments and suggestions. I agree BP shouldn't be an issue. My regular doctor adjusted my medication and had me coming in weekly for blood pressure check. It's averaging around 137/85 more or less. He's satisfied that it meets the target of 140/90 which is suitable for...
by Zonian59
Tue Sep 18, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 38
Views: 2654

Dental work and hypertension issue

Anybody here experience being denied dental work due to above normal blood pressure? Last April my COBRA insurance, including dental insurance, expired. Figured I could wait until the ACA enrollment in Deccember when I can apply for insurance. Murphy's Law decided to pay me a visit in July and two f...
by Zonian59
Fri Jul 13, 2018 1:01 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10218

Re: When does frugal cross the line to cheapskate?

I think its a matter of perception: your's vs other people's. I consider myself "Frugal" such that I do not buy on impulse or buy more than I need or buy more than I can afford or live extravagantly. I always lived below my means. I don't believe in "keeping up with the Jones or keeping up appearanc...
by Zonian59
Mon Jun 11, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: CA Franchise Tax Board lost 2017 Return
Replies: 2
Views: 372

CA Franchise Tax Board lost 2017 Return

I mailed my 2017 CA tax return on 3/24/18 via certified mail to the appropriate address for Refund Returns. Refund to be direct deposit to my checking account. USPS tracking shows it was delivered to Franchise Tax Board (FTB) on 4/2/18. By 4/24 I have not received my tax refund and contacted them. T...
by Zonian59
Fri May 11, 2018 2:53 am
Forum: Personal Finance (Not Investing)
Topic: Aftertax 401K rollover to Roth IRA
Replies: 10
Views: 1301

Re: Aftertax 401K rollover to Roth IRA

Have Additional questions. Recap and clarification: - No longer working for megacorp but still retain 401(k) with megacorp; - Am now in 12% tax bracket; - 401K currently has ~$450K pretax portion and ~$6.5K aftertax portion; -Aftertax portion has ~$4.6K contribution and ~1.9K earnings; - The afterta...
by Zonian59
Thu Apr 26, 2018 2:43 am
Forum: Personal Finance (Not Investing)
Topic: Aftertax 401K rollover to Roth IRA
Replies: 10
Views: 1301

Aftertax 401K rollover to Roth IRA

I am currently separated from Megacorp, but still have 401K plan with Megacorp. 401K is aprox $456,500 comprising of pretax $450,000 and aftertax $6500. Have been contributing to the 401K since 1999 until separation. The $6500 aftertax portion has approx $4600 aftertax contributions with approx $190...
by Zonian59
Thu Apr 05, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 7430

Re: Want/need some income in semi-retirement

I've been thinking of the same thing. I don't think home depot or walmart is for me though. I used to be a number-cruncher/pencil-pusher analyst at a megacorp until I became semi-retired. I've been thinking about part-time tax preparer at HR Block. Anybody here do that and what's your experience? Th...
by Zonian59
Tue Apr 03, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Should I roll over Roth 401(k) to Roth IRA?
Replies: 12
Views: 1793

Re: Should I roll over Roth 401(k) to Roth IRA?

Post by thehappycampers » Mon Apr 02, 2018 1:32 pm Pre-tax 401(k) dollars 2. Open new Vanguard traditional IRA that would accept pre-tax 401(k) dollars. 3. Roll over pre-tax 401(k) to newly opened Vanguard traditional IRA. 4. Convert Vanguard traditional IRA into Vanguard Roth IRA, paying taxes at ...
by Zonian59
Fri Mar 16, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Requires Drivers License for EFile
Replies: 24
Views: 2431

Re: Turbotax Requires Drivers License for EFile

Do you need to also provide license # if you're going to mail your return in? I can see providing the license ID as a cross check to verify you are who you claim to be. But if the tax returns falls into the wrong hand, that license number adds another data point in addition to SS#. Or is this a conc...
by Zonian59
Fri Mar 02, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley wants my 410K and everything else, Why?
Replies: 63
Views: 5866

Re: Morgan Stanley wants my 410K and everything else, Why?

Post by whodidntante » Fri Mar 02, 2018 3:23 pm I would go the other way. I would transfer the 160k inherited account in kind over to Merrill Edge. You can earn a bonus, they'll refund some or all of the MS transfer fee, you'll get the highest tier of preferred rewards, and free trades ongoing. Mer...
by Zonian59
Fri Feb 23, 2018 6:49 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 8002

Re: Staying Motivated: How do you ward off hopelessness?

A friend of mine was in his mid-70s when his wife of 50 years passed away. They had a wonderful relationship based on Liking each other, Respect and Love. When his Dear Wife passed away, it left a deep void in his life. He could have turned his back on life and wither way. Instead, he took stock of ...
by Zonian59
Wed Feb 21, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 57
Views: 5400

Re: Safe to file taxes now?

Unread post by baconavocado » Tue Feb 20, 2018 7:08 pm I'm waiting for a paper 1099 from Schwab for an account I closed (e.g., can't access the account electronically)? Has anyone received their tax forms from Schwab? Just received my paper version today. Seems to be consistent with the electronic...
by Zonian59
Tue Feb 20, 2018 3:55 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 149
Views: 8732

Re: Long term care insurance

An acquaintance claims to have bought a LTC insurance a long time ago that provided for indefinite LTC. He didn't say who the insurer is, but admits the premiums are expensive. He also feels pretty sure that as long as he is willing to pay those premiums, they can't cancel the policy. Do such a poli...
by Zonian59
Tue Feb 20, 2018 3:33 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 12191

Re: Single People and Retirement Question

Thanks to Limoncello402 for a most timely and relevant thread. Also thanks to all who responded with their wise, thoughtful and inspiring advice. I'm in the same boat, i.e., recently retired (not by choice) 58 years old, never married single, but with no siblings, no relatives (other than my mother)...
by Zonian59
Sun Feb 04, 2018 11:42 pm
Forum: Personal Consumer Issues
Topic: Cheapest funeral options
Replies: 40
Views: 3608

Re: Cheapest funeral options

My mother and I are in discussion about her final plans. Her wishes are to be cremated. Any thoughts on urns purchased from Costco? The ones online are brass and cost around $100. Understand remains offered through funeral home or crematory can be considerably more expensive. We live in California. ...
by Zonian59
Sun Feb 04, 2018 2:26 am
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 49641

Re: Today was a Really Bad Day

Long time ago I would have looked at this drop and sold before it got any worse. Now I see it as an opportunity to buy more equities at lower price, so long as I have the cash reserve. As you've all pointed out, historically equities usually rebound after a triple digit drop.....not always in the sa...
by Zonian59
Mon Sep 11, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 4397

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

Given the Equifax fiasco:
1) Am I LESS at risk if I file via snail mail than electronically? I usually file via snail mail anyway.
2) Is it risky to have refund deposited to checking account via ACH Deposit? Or should I have refund sent via snail mail?
Thanks.
by Zonian59
Fri Sep 01, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 9190

Re: How much sooner could you retire with NO property taxes?

I haven't seriously researched any states that have NO property taxes, but I'm sure that those that don't have property taxes compensate with other HIGHER taxes, whether they are income, sales, taxes on interest & dividends, etc. Taxes are taxes. Other than living expenses, insurance (health, home, ...
by Zonian59
Tue Aug 15, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Need a Trust? (for single, no children, beneficiaries, etc.)
Replies: 16
Views: 2034

Re: Do I Need a Trust? (for single, no children, beneficiaries, etc.)

Thank you all for your advice, thoughts and recommendations. Have MUCH to think about, research and plan before the inevitable train wreck. But beneficiary designation after current beneficiary's death remains issue. Any recommended books on wills, trusts, protection of assets, etc, that focuses on ...
by Zonian59
Mon Aug 14, 2017 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Do I Need a Trust? (for single, no children, beneficiaries, etc.)
Replies: 16
Views: 2034

Do I Need a Trust? (for single, no children, beneficiaries, etc.)

I saw WoodSpinner's topic on same subject, but decided not to hijack or piggyback on his thread since my circumstances are different. So am seeking wisdom and advice from Gentle BH. All the info on Trusts I've read are oriented with family, wife & children and relatives in mind. Hardly anything on s...
by Zonian59
Sat Jul 29, 2017 3:02 am
Forum: Personal Finance (Not Investing)
Topic: Any pilots here? [as a career]
Replies: 38
Views: 5302

Re: Any pilots here? [as a career]

I have a friend (going back 30 years) who is currently a Senior Captain at Skywest Airlines. When he began his flying career in his mid 20s, he already had a private and commerical pilot license. He started out as a courier pilot, then made the jump to airlines. Found trying to get a job with the bi...
by Zonian59
Thu Jul 27, 2017 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 8840

Re: Post Nuptial agreement guaranteeing alimony?

No need to open another account for this. Can't you spend joint money already? This assumes you already put most of both paychecks towards joint expenses. I also assume the family income is about the same regardless of who earns it. Some couples have separate finances. I am thinking she could have ...
by Zonian59
Thu Jul 27, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 8840

Re: Post Nuptial agreement guaranteeing alimony?

Could OP get husband to agree to be put a certain amount of his income in a separate account under her name, which she could then spendorinvest as she wishes? Than you don't get lawyers involved or get into planning for a worst case scenario that becomes selffulfilling. No need to open another acco...
by Zonian59
Thu Jul 27, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Living on a boat in HI to save money
Replies: 17
Views: 3813

Re: Living on a boat in HI to save money

Hmm.....wondered about living on a boat or houseboat. Used to communicate with a guy in the Bay Area Houston, who for many years, lived on a boat. Not easy at first but being an ex-Navy seaman and used to being a minimalist so it was doable for him and he liked it. He also rigged the boat with solar...
by Zonian59
Thu Jul 27, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 128
Views: 31972

Re: What you wish you had known entering your late 20's

A lot of people will say things like "I wished I would've started to save earlier" or whatever, but I knew that I should be saving early...it's just a lot harder when you don't have as much money! I have learned this lesson now, but when I get an impulse to purchase something, I should wait a minim...
by Zonian59
Thu Jul 27, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 8840

Re: Post Nuptial agreement guaranteeing alimony?

Could OP get husband to agree to be put a certain amount of his income in a separate account under her name, which she could then spendorinvest as she wishes? Than you don't get lawyers involved or get into planning for a worst case scenario that becomes selffulfilling. No need to open another acco...
by Zonian59
Thu Jul 27, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 128
Views: 31972

Re: What you wish you had known entering your late 20's

When I was in my early 20s, someone had told me that the three most important decisions one will ever make during their life are: 1) What you will do for a living; 2) Who you marry; 3) Where you will live. Should have thought out the above more carefully and planned accordingly. Also I should have s...
by Zonian59
Thu Jul 27, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for 3-Fund at Schwab
Replies: 9
Views: 3052

Re: Recommendations for 3-Fund at Schwab

IF you have an account at Schwab, transaction fees from their ETF Select List are free. You can buy third-party, e.g. Vanguard with a $4.95 fee, although some third-party ETFs on their Select List are free trades. Take a look at the following Schwab ETFs: SCHB - Schwab U.S. Broad Market ETF SCHF - S...
by Zonian59
Thu Jul 27, 2017 3:04 am
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 4622

Re: Golfers - need to ramp up ASAP!

Well, if all else fails, there's always Leslie Nielsen's "Bad Golf" way of playing golf:

https://www.youtube.com/watch?v=yKUdFEP6tCI
by Zonian59
Wed Jul 26, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 8840

Re: Post Nuptial agreement guaranteeing alimony?

Assuming he would, would such an agreement be upheld in divorce proceedings in the future or would a judge likely toss it? Assuming husband would sign, he could later change his mind and state it was signed under duress (his) and furthermore, the resultant agreement was not equitable. Judge would m...
by Zonian59
Wed Jul 26, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: rollover 401k Roth to existing Roth IRA
Replies: 1
Views: 422

rollover 401k Roth to existing Roth IRA

My apologies if this question(s) have been asked before. Searched forum but could not find thread that matched my situation. Background info: Currently 58 years old and semi-retired. In other words, not ready to take Company pension or Social Security until 62 or 65. Have been contributing to employ...
by Zonian59
Tue Jul 18, 2017 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage on horizon - Question on Pre-Marital $ vs. Post Married $
Replies: 24
Views: 4306

Re: Marriage on horizon - Question on Pre-Marital $ vs. Post Married $

In terms of community prop. states, without a prenup, irrevocable trust or co-hab agreement (non-married, but living together). Any growth from the asset while together the other partner/spouse will have claims to that appreciation. Pre-nups do not always work. If you are going to do the unwise thi...
by Zonian59
Mon Jul 17, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage on horizon - Question on Pre-Marital $ vs. Post Married $
Replies: 24
Views: 4306

Re: Marriage on horizon - Question on Pre-Marital $ vs. Post Married $

Very wise and prudent recommendations: keep everything acquired before marriage as separate accounts with proof of acqisition and open new accounts after marriage and DO NOT comingle between accounts. Future paychecks to be deposited in new account. My situation: I live in California, age 58, single...