Search found 521 matches

by MJS
Sat May 23, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Cheap way to ship a few boxes?
Replies: 14
Views: 873

Re: Cheap way to ship a few boxes?

Roadie.com is like Uber for moving freight. Very limited starting locations, but it goes to wherever someone is planning to drive anyways. Timing may be an issue, also the drivers don't do loading & unloading.
by MJS
Wed May 20, 2020 2:13 pm
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 2029

Re: Individual stock for son's birthday

A historical stock, rather than one chosen for investment. * Bank of New York Mellon Corporation, founded 1784, listed NYSE in 1792. * Lloyd's of London, founded 1686. Plus a book on insurance. * Fiskars, plus a pair of scissors, founded 1649 * Sotheby's, founded in 1744. * Kongo Gumi, founded in 57...
by MJS
Mon May 18, 2020 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Converting trad IRA to Roth IRA
Replies: 6
Views: 534

Re: Converting trad IRA to Roth IRA

IRAs are Individual accounts, and RMDs will be calculated individually even if you file jointly. So, to give good answers, we need to know how much of your $1 million is hers and how much is yours.* If her IRA is $30,000 out of the $1M, that's a very different calculation from one where $30,000 is y...
by MJS
Mon May 11, 2020 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 tax forecast
Replies: 8
Views: 737

Re: 2020 tax forecast

the 110% safe harbor(based on last yr) will be way too much, your only choice is the 90% of current yr safe harbor. Or "... if the total tax shown on your return minus the amount you paid through withholding is less than $1,000." Optimally, you would owe $999, but I usually aim for owing $850. http...
by MJS
Sat May 09, 2020 6:15 pm
Forum: Personal Investments
Topic: Update: Taxable Portfolio Complete; Need Roth IRA Help
Replies: 16
Views: 965

Re: Update: Taxable Portfolio Complete; Need Roth IRA Help

I'm with Escape from Ameriprise . Run away as soon you can! The extra 0.5-1.5% you'll save in fees & high ERs should start as soon as possible. Do not-quite-mirroring. Someday (like 20-40 years from now) you may want to do tax loss harvesting in your taxable account, so put very similar but non-iden...
by MJS
Fri May 08, 2020 7:16 pm
Forum: Personal Investments
Topic: Limit Roth Conversion by IRMAA or Tax Bracket?
Replies: 19
Views: 1199

Re: Limit Roth Conversion by IRMAA or Tax Bracket?

Another point to consider is the inflation-adjusted value of your RMD. If the Schwab RMD calculator shows $80,000 in 2040, that's equivalent to $50,000 in taxable income today.* The tax & IRMAA tables will (probably) be adjusted for inflation. You won't be paying at today's rates by then. * Inflatio...
by MJS
Fri May 08, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8256

Re: Percentage of savings to "prepping"?

I was thinking the same thing. Shopping at Costco automatically means that you stockpile food. If you look for the sale and clearance items, you can really stock up at bargain prices. Yes. $100/year for a Costco Executive membership. Ah, more handles of gin on sale than I can use in 5 years, but th...
by MJS
Tue May 05, 2020 1:08 am
Forum: Personal Investments
Topic: Tell me what I don't know about retirement?
Replies: 55
Views: 4862

Re: Tell me what I don't know about retirement?

Inflation is the evil twin of compounding. Play with https://smartasset.com/investing/inflation-calculator to get a sense of how much value your money loses over time. Your IRA & 401's RMD's are sneaky. Play with https://www.schwab.com/ira/understand-iras/ira-calculators/rmd to get a sense of how mu...
by MJS
Mon May 04, 2020 3:31 pm
Forum: Personal Consumer Issues
Topic: How Long Should A Bed Last?
Replies: 30
Views: 2364

Re: How Long Should A Bed Last?

InvestingGeek wrote:
Mon May 04, 2020 10:29 am
Is boinking frequency and intensity a factor in how long beds last?
That's "cyclic fatigue performance." And yes, it is a measurable issue.
https://www.sciencedirect.com/science/a ... 6816314172
by MJS
Sat May 02, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 262
Views: 30807

Re: What have you baked recently?

Any suggestions on what to add to basic whole wheat bread recipe to give some flavor? Substitute 1/2 cup of another meal or flour: rye, corn, almond, ... my favorite is buckwheat. Interesting tip. Do meals like cornmeal actually become part of the dough and react with the yeast? Or do they just add...
by MJS
Fri May 01, 2020 10:52 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 262
Views: 30807

Re: What have you baked recently?

knightrider wrote:
Thu Apr 30, 2020 11:55 pm
Any suggestions on what to add to basic whole wheat bread recipe to give some flavor?
Substitute 1/2 cup of another meal or flour: rye, corn, almond, ... my favorite is buckwheat.
by MJS
Tue Apr 28, 2020 12:12 pm
Forum: Personal Investments
Topic: Funds to Pair With Vanguard 500
Replies: 5
Views: 409

Re: Funds to Pair With Vanguard 500

VIIIX is an Institutional-Plus fund. The Institutional equivalent of VXF (ER= 0.06) is Vanguard Extended Market Index Fund Institutional Shares (VIEIX ER = 0.05). If you have VIIIX, then VIEIX is probably your best choice.
by MJS
Sat Apr 25, 2020 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Convert to Roth at Top Tax Bracket?
Replies: 35
Views: 2489

Re: Convert to Roth at Top Tax Bracket?

With no Roth conversions, I am in the 22% federal bracket. I don't know exactly how much converting I'll end up doing this year but I don't plan to go above the top of the 24% marginal bracket. Are you also considering the IRMAA brackets in planning Roth conversions? https://phillipjamesfinancial.c...
by MJS
Sat Apr 25, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus Check for Person Who Died in 2019
Replies: 27
Views: 2979

Re: Stimulus Check for Person Who Died in 2019

As an added point, a certain number of people who receive the stimulus will die this year and never file 2020 taxes. Their checks will not be clawed back. So ability to file 2020 taxes is not required.

However, I would ask the bank to return the payment.
by MJS
Sat Apr 25, 2020 8:28 pm
Forum: Personal Investments
Topic: Confused
Replies: 59
Views: 6009

Re: Confused

No one seens to have mentioned the Dreaded Cliffs of IRMAA (Medicare's Income Related Monthly Adjustment Amount) which loom before you, especially if you do Roth conversions. IRMAA adjusts how much high earners (and people who do Roth conversions) pay for Medicare. The extra amount is based on your ...
by MJS
Thu Apr 23, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: Scented Candle recommendations?
Replies: 14
Views: 728

Re: Scented Candle recommendations?

You aren't the only one enjoying scented candles during this time. This recent review sorts by type of scent. It may include a few candles you're already familiar with, so you can evaluate the evaluators. I put a drop of essential oil on the wick of my unscented candles instead if using scented cand...
by MJS
Thu Apr 23, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Recomendation for indoor tree/plant to fill a large space?
Replies: 12
Views: 744

Re: Recomendation for indoor tree/plant to fill a large space?

Another thought is an indoor citrus tree. I'm not sure about allergens from this. Anyone have any luck growing a citrus tree inside with just a couple hours of sunlight in the morning? If you install a grow light on a timer to give it 10-15 hours of strong light per day, it would do okay. Is the co...
by MJS
Mon Apr 20, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Received stimulus funds but don't think we're eligible
Replies: 13
Views: 2003

Re: Received stimulus funds but don't think we're eligible

Wow! How could the IRS mess us such a simple calculation?!!! ... Very frustrating to know that cannot be accomplished without mistakes. There's also the possibility that some exhausted or distracted human mis-entered their bank number on the IRS site, and is now wondering when the inept IRS will ge...
by MJS
Sun Apr 19, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus check - Help?!
Replies: 17
Views: 2090

Re: Stimulus check - Help?!

RE TurboTax, H&R Block lf you paid your tax preparer by having their fees taken out of your refund, your stimulus check may have been sent to your preparer 's tax refund fee-payment bank account. The tax preparers's systems were not designed for the sudden appearance of stimulus checks a year later!...
by MJS
Sun Apr 19, 2020 10:46 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72245

Re: Bogleheads community discussion - Coronavirus

For a good educational web-cartoon about pandemic modeling, you might want to check out this link: https://fivethirtyeight.com/features/a-comic-strip-tour-of-the-wild-world-of-pandemic-modeling/ Even I understood it! Thank you... sent it to several friends. While published on 538, it was produced b...
by MJS
Sat Apr 18, 2020 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4727

Re: Please Help Us Get Our Stimulus Payment

As of 4/17 The Get My Payment application will return "Payment Status Not Available" for several reasons, including: You are required to file a tax return, but: We haven't finished processing your 2019 return You haven’t filed your 2019 tax return and didn’t have direct deposit information on your ...
by MJS
Fri Apr 17, 2020 6:49 pm
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8227

Re: Frugal quarantine habits to keep

We also got hair clippers so will probably get haircuts at home from now on. I also got hair clippers for the first time (managed to snag them on Ebay before they sold out). Previously, I was spending $20 per month to go to Great Clips. While not terribly expensive, it seems I can get the same hair...
by MJS
Fri Apr 17, 2020 6:36 pm
Forum: Personal Investments
Topic: What To Do With Leftover Cash In A Roth IRA?
Replies: 9
Views: 693

Re: What To Do With Leftover Cash In A Roth IRA?

Merrill Edge might have a better Sweep Account now than it did in Feb 2019, but if not here are some options.
https://www.mymoneyblog.com/merrill-edg ... tions.html
by MJS
Wed Apr 15, 2020 8:17 am
Forum: Personal Investments
Topic: roth conversion
Replies: 13
Views: 1152

Re: roth conversion

To calculate your future income for tax estimation, you will need to estimate your future RMDs. The IRS plans to update their Life Expectancy Tables real soon now. All current RMD calculators use the old Life Expectancy Tables which assume shorter life spans. So tools like https://www.schwab.com/ira...
by MJS
Wed Apr 15, 2020 7:43 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24300

Re: Get My Payment up and running

I too owed in 2019, and had to enter my 1040 & bank account data.
by MJS
Tue Apr 14, 2020 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Quarterly Taxes
Replies: 43
Views: 2502

Re: Quarterly Taxes

This has been a weird year. The interest rate on unpaid Federal tax is the federal short–term interest rate plus 3 percent*. If the short–term interest rate goes negative, will it be subtracted from 3%? And if it goes down to -3.5%, will late payers be reimbursed? * https://www.homeworksolutions.com...
by MJS
Tue Apr 14, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Zoom Meeting No Video Camera or Microphone
Replies: 16
Views: 1184

Re: Zoom Meeting No Video Camera or Microphone

If you have a smartphone, use the free zoom app. Feel free to uninstall the app right after the meeting. I've been family Zooming on an android phone. Put it in Landscape orientation. Tape the phone's back to a brick or beer stein on top of a stack of books so it 1) doesn't jiggle; 2) won't offer a...
by MJS
Mon Apr 13, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1588
Views: 128568

Re: Coronavirus (Consumer Issues) How you are preparing?

sawhorse wrote:
Sun Apr 12, 2020 9:36 pm
.

I'll have to go to a doctor's appointment tomorrow wearing a mask made from either a bedsheet and rubber bands, or a bra cup. :annoyed
Eye masks can be used as face masks. I'd put a bandana over it, but they can work alone.
by MJS
Sun Apr 12, 2020 4:22 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72245

Re: Bogleheads community discussion - Coronavirus

https://drive.google.com/uc?export=download&id=121sFGVL3_vhuL9DCzAhU54_wsoluVtBJ 90% of Covid-19 hospital admissions have at least one of these diseases. Those aged 65 years and older were admitted at a rate of 13.8 per 100,000, with 50- to 64-year-olds next at 7.4 per 100,000 and 18- to 49-year-ol...
by MJS
Sat Apr 11, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: How do you maximize enjoyment after achieving FI?
Replies: 161
Views: 8455

Re: How do you maximize enjoyment after achieving FI?

Invest in making your 70 year old selves comfortable and happy -- take care of your bodies and home: Get shoes that fit superbly with excellent support. Get merino wool socks. Get or do manicures & pedicures every week. Find a really good dentist and take care of your teeth: ditto eyes. Spend money ...
by MJS
Sat Apr 11, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27122

Re: just got my $1200 stimulus payment

Curious: are the people who got their checks born in the first week of the month? That's how Social Security checks are staggered and it might account for some getting earlier checks. You might find this link from the Ways and Means Committee helpful. https://waysandmeans.house.gov/sites/democrats....
by MJS
Sat Apr 11, 2020 3:00 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27122

Re: just got my $1200 stimulus payment

Curious: are the people who got their checks born in the first week of the month? That's how Social Security checks are staggered and it might account for some getting earlier checks.
by MJS
Thu Apr 09, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff - Am I crazy?
Replies: 81
Views: 5439

Re: Mortgage payoff - Am I crazy?

The major advantage of a mortgage is that it acts as an inflation hedge.* Current future prediction gurus (yeah, 8 ball time!) suggest that there is an increased risk of inflation in the next few years.** Given your financial situation, and thinking of your mortgage as a portfolio diversification to...
by MJS
Sun Apr 05, 2020 3:55 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- 2020 First Quarter Winners
Replies: 11
Views: 1242

Re: Lifestyle changes caused by the coronavirus

Our politicians are arguing whether or not to let two virus-infected cruise ships disembark. We can see them offshore from our balcony. We are the cruise capital of the world. I think we have a duty to (carefully) let them land and return home. As one of the passengers on the Rotterdam, I'm profoun...
by MJS
Fri Apr 03, 2020 8:49 am
Forum: Investing - Theory, News & General
Topic: The end of cruise ships [cruise line stock prices]
Replies: 246
Views: 26074

Re: The end of cruise ships

By the way, I'm not anti-cruise ship by any means. I just thought it was dumb to claim it would be better to be quarantined on a ship then on land. I've been on the Zaandam/Rotterdam since March 7. Holland America is paying for the cruise, reimbursing all on board purchases, and providing the retur...
by MJS
Tue Mar 31, 2020 8:02 am
Forum: Personal Consumer Issues
Topic: Is the coronavirus stay-at-home experience a preview of retirement life?
Replies: 61
Views: 4185

Re: Is the coronavirus stay-at-home experience a preview of retirement life?

Retirement? No.

Life as a shut-in, the frail elderly, those who are poor and handicapped? Yes.

Nothing like experience to give one compassion.
by MJS
Sun Mar 29, 2020 8:09 am
Forum: Forum Issues and Administration
Topic: Giving thanks to our moderators
Replies: 91
Views: 4947

Re: Giving thanks to our moderators

🌿🌹🌹🌹🌿🌹🌹🌹🌿🌹🌹🌹🌿🌹🌹🌹🌿
A dozen roses and many thanks!
by MJS
Wed Mar 25, 2020 8:48 am
Forum: Personal Investments
Topic: dead cat mouse
Replies: 56
Views: 5868

Re: dead cat mouse

Musta been a heck of a mouse! :happy This virus really is turning out to be the "Mouse that Roared". https://www.youtube.com/watch?v=wdsXhod2Tbw (fantastic movie and main actor was Peter Sellers ) Oh! When I read the book it was contemporary fiction; now it's historical. The book and its series wer...
by MJS
Tue Mar 24, 2020 4:40 pm
Forum: Personal Investments
Topic: Roth Conversion now
Replies: 8
Views: 952

Re: Roth Conversion now

Yes, being able to covert 14% of your shares for the price of formerly converting 10% is a bargin. However, keeping the conversion under the IRMAA cliff is important. Great advice on the IRMAA Cliff. Another website, FIPhysician.com, said that we don't even know the first three tiers of the IRMAA C...
by MJS
Tue Mar 24, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55496

Re: How to get Toilet Paper ? seriously.

In a million years, did you ever think something like this would be a topic of discussion on this board? The joke here on the Holland America Zaandam is: Whoever thought is would easier to buy weed than toilet paper in America? The free wine, sodas, beer and brandy help make being confined to a cab...
by MJS
Tue Mar 24, 2020 12:29 pm
Forum: Personal Investments
Topic: Roth Conversion now
Replies: 8
Views: 952

Re: Roth Conversion now

Yes, being able to covert 14% of your shares for the price of formerly converting 10% is a bargin. However, keeping the conversion under the IRMAA cliff is important. Another consideration in making the conversion decision is who will inherit your 401/tIRA/Roth? My heirs will likely be in high tax b...
by MJS
Sat Mar 07, 2020 6:37 am
Forum: Personal Consumer Issues
Topic: Retirement in AZ-suggestions please
Replies: 104
Views: 7143

Re: Retirement in AZ-suggestions please

In addition, Arizona is known as the rattle snake capital of the USA. Be ready for a rattle snake greeting you near your front door, in your yards, on your neighborhood streets and on the hiking trails. Just be careful so that you don’t inadvertently step on one. It's also well documented that Gila...
by MJS
Sat Feb 29, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1588
Views: 128568

Re: Coronavirus (Consumer Issues) How you are preparing?

OK, done shopping. Aldi's was packed. I think we can go a couple months without going to a store much. Prescriptions also good for a few months. Will the massive stock-up slow down shopping over the next few months? Did Y2K prep have a notable effect on retail sales in early 2000? Or does pre-hurri...
by MJS
Tue Feb 25, 2020 8:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18784
Views: 2626166

Re: U.S. stocks in free fall

at least we broke through on the downside the rising wedge (bearish) that was forming since jan 2019. Don't forget the southern cross and the triangle of doom, we are nearing both. :beer The good news is that the astrologers are happy-happy with all the lovely doomful news, as reported in Yahoo Fin...
by MJS
Tue Feb 25, 2020 2:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18784
Views: 2626166

Re: U.S. stocks in free fall

peppers wrote:
Tue Feb 25, 2020 2:40 pm
If nothing else.....

It's Mardi Gras. Happy Fat Tuesday.
2018: the Christmas Crash
2020: the Mardi Gras Smash?
by MJS
Tue Feb 25, 2020 2:16 pm
Forum: Personal Investments
Topic: Find a list of the best performing index funds
Replies: 35
Views: 2984

Re: Find a list of the best performing index funds

The "best" index fund is also dependent on what type of account you will be holding it in. So although your overall asset allocation is 40/10/50, the amounts in different types of accounts may vary. Moreover, if you have no Roth or taxable accounts, then just stuff everything into after-tax. My opin...
by MJS
Mon Feb 24, 2020 8:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18784
Views: 2626166

Re: U.S. stocks in free fall

Just in case you were wondering, today's loss of 1031.61 on the DOW was the third largest in history (in points): In terms of percentages, I doubt that it's even in the top 50. If going by percentages, it's the 254th worst day. Just a blip... :beer How many days are there? Investopedia says Dow Jon...
by MJS
Sat Feb 22, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Trip to Puerto Vallarta
Replies: 11
Views: 1431

Re: Trip to Puerto Vallarta

The Vallarta Botanical Garden for food, birds, flowers and splashing in their stream. It was still being developed in 2015, but was already a splendid garden.
by MJS
Sat Feb 22, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1588
Views: 128568

Re: Coronavirus (Consumer Issues) How you are preparing?

[quoted post removed by admin LadyGeek] For the first section, +100. However, for the last suggestion ... Coronaviruses can reinfect,(1) and there is growing evidence that COVID 19 does reinfect.(2) Being weak from one's first pass through the illness, then getting sick again may not be the best st...