Search found 91 matches

by Colorado Guy
Mon Oct 26, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 314
Views: 19128

Re: PC Build Thread 2020

This thread is getting me interested in a new build, but wondering if I would see any significant improvements. Seems like I have been on the PC a lot since retiring. My current machine is 2015 vintage, i7-6700 version, with a NVIDIA GeForce GTX 970 (I believe the video card is a weak point of my s...
by Colorado Guy
Mon Oct 26, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 314
Views: 19128

Re: PC Build Thread 2020

This thread is getting me interested in a new build, but wondering if I would see any significant improvements. Seems like I have been on the PC a lot since retiring. My current machine is 2015 vintage, i7-6700 version, with a NVIDIA GeForce GTX 970 (I believe the video card is a weak point of my sy...
by Colorado Guy
Fri Oct 23, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Help me pick a bike
Replies: 9
Views: 884

Re: Help me pick a bike

Another set of options. Being I'm a Costco fan, https://www.costco.com/infinity-crazyhorse-ht26-plateau-26%e2%80%9d-unisex-mountain-bike.product.100483387.html It is at your limit, while the one below is slightly above. https://www.costco.com/infinity-boss-three-21-speed-700c--bike.product.100489801...
by Colorado Guy
Wed Oct 21, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 94
Views: 5581

Re: New smoker recommendation?

$500 is my friend's budget but I'm opened for a bigger $$ :sharebeer Here's my opening to respond! :D https://www.yodersmokers.com/ I upgraded to a Yoder from a Traeger pellet grill (my son now has my old Traeger and loves it). Everything from homeowner to competition type grills. These smokers are...
by Colorado Guy
Wed Oct 21, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 94
Views: 5581

Re: New smoker recommendation?

$500 is my friend's budget but I'm opened for a bigger $$ :sharebeer Here's my opening to respond! :D https://www.yodersmokers.com/ I upgraded to a Yoder from a Traeger pellet grill (my son now has my old Traeger and loves it). Everything from homeowner to competition type grills. These smokers are...
by Colorado Guy
Wed Oct 21, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: do doctors/hospitals HATE Medicare Advantage (as payers)
Replies: 110
Views: 8851

Re: do doctors/hospitals HATE Medicare Advantage (as payers)

This is both a timely and interesting discussion, thank you. With that said, color me still confused between a Medicare Advantage vs Medicare Supplement Plan. I am taking a more active role in my health, and trying to figure out which approach is best for me, for now and in the future. I am still in...
by Colorado Guy
Sun Oct 11, 2020 8:30 am
Forum: Investing - Theory, News & General
Topic: "Bonds as a way to generate cash if the stock market is in the toilet"
Replies: 93
Views: 5336

Re: Wretchedly low return on bonds--game over

You could stretch for yield a bit on the stock side of the portfolio and also on the Bond side. But reach too much and the market will bite you. John Bogle recommended something like this: let's say your portfolio is 50% Total Stock Market Index and 50% Bond Market index, you could take a 20% to 30...
by Colorado Guy
Wed Oct 07, 2020 10:16 am
Forum: Personal Investments
Topic: New member. Rudderless but hoping to get on track
Replies: 18
Views: 2087

Re: New member. Rudderless but hoping to get on track

[*]The "no taxable assets outside of retirement accounts" concerns me a bit. Yes I did notice that you have 3 months of EF, but that is a bit too little to my taste. I really appreciate the long response. 1) Can’t disagree. I’ve been on 15% pay reduction since April due to Covid related concerns - ...
by Colorado Guy
Thu Oct 01, 2020 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: medicare advantage vs supplement
Replies: 23
Views: 1446

Re: medicare advantage vs supplement

We went with MA. The plan that we chose covers basically all doctors and hospitals in our state. We don’t travel very much. Our premium for the MA is zero. It has a very good drug plan, gym membership, dental and vision benefits, etc. We may have a little higher copays. But that zero premium takes ...
by Colorado Guy
Thu Oct 01, 2020 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: medicare advantage vs supplement
Replies: 23
Views: 1446

Re: medicare advantage vs supplement

You may want to look at this site for comparison purposes.

https://medicarewire.com/medicare-plans/county/26065/
by Colorado Guy
Sun Sep 27, 2020 3:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9401
Views: 752018

Re: U.S. stocks continue to soar!

Oh, elk is good. Very good. Elk are ruminant animals, meaning they chew their cud like cows, and that's a laid back, take it as it comes, attitude right there. (Did some elk research to uncover that fact.) Already feeling elkish. https://external-content.duckduckgo.com/iu/?u=https%3A%2F%2Ftse3.mm.b...
by Colorado Guy
Sat Sep 26, 2020 1:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9401
Views: 752018

Re: U.S. stocks continue to soar!

Can't I be something more formidable? A large, grazing animal. Recently a 6x6 bull elk charged at me during rut season. Quite formidable and intense! An Elk satisfies your one syllable and your Elk-ish criteria, but it does not start with a "b". Elkish behavior is heavily a herd instinct as well, a...
by Colorado Guy
Thu Sep 24, 2020 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Wife Quitting High Earning Job?
Replies: 56
Views: 8303

Re: Wife Quitting High Earning Job?

I absolutely do support her spending time with her family. That said, I am not sure that anyone can spend more than a few hours a day with a sick parent. It is fairly depressing to spend full day after full day with someone who is in such a terrible condition. Also, I am suggesting that we can do t...
by Colorado Guy
Tue Sep 22, 2020 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Ex-husband and survivors benefits
Replies: 18
Views: 1666

Re: Ex-husband and survivors benefits

I assume that I could file for a survivor benefit now but I don't know if a death certificate would be required by SS. He passed away overseas where he had been living for many years. ... Is a death certificate required by Social Security? ... I am more concerned if SS requires a death certificate ...
by Colorado Guy
Wed Sep 16, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9834

Re: Quicken Disaster!

We tried MANY things including Logged on to Windows as a different user and installed Quicken under that ID. The problem persisted. Restored backups from weeks and months ago. All failed the same way. Only because I did not see this mentioned in the thread, it is not clear if you have rebooted the ...
by Colorado Guy
Sun Sep 06, 2020 3:45 pm
Forum: Investing - Theory, News & General
Topic: Where do you put cash now? Vanguard's Prime Money Market is too low!
Replies: 80
Views: 14079

Re: Where do you put cash now? Vanguard's Prime Money Market is too low!

Seems like only yesterday when all the Vanguard MM funds were yielding close to 5%. Those were the good old days for retirees like me. I was lazy and had quite a lot of $$ there. But decided a few months ago to move most of my MM $$ to something with a measurable yield. I'm now mostly in VSGDX - th...
by Colorado Guy
Sun Sep 06, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: Set up new iPad for MIL with dementia in nursing home
Replies: 20
Views: 1486

Re: Set up new iPad for MIL with dementia in nursing home

I would suggest a good pair of headphones to go along with the iPad, for both soothing music and for YouTube type videos. Headphones are better than apple earbuds as they wouldn't get lost as easily, but it would tend to mess up her hair a bit. I would think that charging repeatedly will be difficul...
by Colorado Guy
Fri Aug 28, 2020 7:11 am
Forum: Personal Consumer Issues
Topic: Pickup truck - Soft Bed Topper
Replies: 9
Views: 820

Re: Pickup truck - Soft Bed Topper

I think the intent is to provide a cover for the dogs, and life inside a tonneau cover of any kind doesn't look very pleasant to me. I was thinking he would add a dog crates onto the bed, and need the cover rolled/folded up and out of the way. I agree that having dogs under the cover would not be a...
by Colorado Guy
Thu Aug 27, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: Pickup truck - Soft Bed Topper
Replies: 9
Views: 820

Re: Pickup truck - Soft Bed Topper

Perhaps an alternative: https://www.autoanything.com/tonneau-covers/bak-bakflip-mx4-folding-tonneau-cover This provides a higher degree of security than a soft topper, folds up, and allows you to carry larger objects (or even dogs) without removal. Great for transporting golf clubs and other valuabl...
by Colorado Guy
Fri Aug 14, 2020 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Need help forming a LLC for my clinic.
Replies: 40
Views: 2127

Re: Need help forming a LLC for my clinic.

I need some help with forming a LLC for my dental clinic. FYI, I have an appointment next week with a local county Small Business Assistance group, to help me through the LLC formation process. Essentially free, as it is paid for by my taxes. It is very possible that your state / county has somethi...
by Colorado Guy
Wed Aug 05, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: trex or redwood for large deck replacement
Replies: 19
Views: 1780

Re: trex or redwood for large deck replacement

Personally I would prefer redwood, but am strongly considering composite boards. If you are building this year, you may have troubles finding a good source for heart redwood, at least I am. I was told by several suppliers that the redwood supply is disrupted for 2020, and probably well into 2021. Du...
by Colorado Guy
Wed Jul 22, 2020 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Quarterly Taxes and Social Security payments
Replies: 9
Views: 710

Re: Quarterly Taxes and Social Security payments

Eagle 33,

Thx for the SS form link. The ever helpful SS folks failed to mention this on the initial consult. :!: Going to withhold 22% for the remainder of 2020, and then possibly lower it for 2021, depending upon how things go.
by Colorado Guy
Mon Jul 20, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Quarterly Taxes and Social Security payments
Replies: 9
Views: 710

Re: Quarterly Taxes and Social Security payments

Appreciate the intel, thank you. Could you set your W-2 withholding to meet your total lax liability? It is too late to withhold more via W-2s, or else I would do that for sure. Ok, how about withholding from the SS payments remaining for this year? The point about withholding is that if you have w...
by Colorado Guy
Mon Jul 20, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Quarterly Taxes and Social Security payments
Replies: 9
Views: 710

Re: Quarterly Taxes and Social Security payments

Appreciate the intel, thank you. Could you set your W-2 withholding to meet your total lax liability? It is too late to withhold more via W-2s, or else I would do that for sure. So you should probably do a dummy tax return to find out what your tax obligation might be. Then pay that amount according...
by Colorado Guy
Mon Jul 20, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Quarterly Taxes and Social Security payments
Replies: 9
Views: 710

Quarterly Taxes and Social Security payments

I may have found the answer already, but am double checking with the experts. Am wanting to avoid penalties. This year I will have W-2 income, 1099 income, and Social Security income. I know, come September, I will have to pay quarterly taxes on the 1099 income. In addition, I just received $12k pay...
by Colorado Guy
Thu Jul 16, 2020 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Stumbling upon Retirement
Replies: 18
Views: 2541

Re: Stumbling upon Retirement

At 62, $2K in Soc Sec, and I believe it rises to $3K month if wait to draw at age 67. FYI, there are Social Security Divorced Spouse Benefits that may be helpful. https://www.benefits.gov/benefit/4388 This may (or may not) permit you to delay your Social Security until FRA or even 70. Divorced (was...
by Colorado Guy
Sat Jul 11, 2020 7:57 am
Forum: Personal Consumer Issues
Topic: Bike upgrade recs?
Replies: 51
Views: 2848

Re: Bike upgrade recs?

Mostly riding on dedicated (paved) bike paths or in bike lanes at less crowded times. Most rides are 20+ miles and I average about 14mph, but think it would be faster on a better bike and with more muscle tone. I have commuted on this bike in the past but don’t see bike commuting in the near future...
by Colorado Guy
Wed Jul 08, 2020 7:54 am
Forum: Personal Finance (Not Investing)
Topic: 1099 rates for Engineering Consultant
Replies: 34
Views: 2383

Re: 1099 rates for Engineering Consultant

Hope the above helps. Best of luck to you in your new journey. I have thoroughly enjoyed being a self-employed consultant and will probably try to keep doing it even when retired. It has allowed me to stay intellectually challenged while avoiding office politics. They pay is nice, too. :-) Deserat,...
by Colorado Guy
Wed Jul 08, 2020 7:35 am
Forum: Personal Finance (Not Investing)
Topic: 1099 rates for Engineering Consultant
Replies: 34
Views: 2383

Re: 1099 rates for Engineering Consultant

cchrissyy wrote: Tue Jul 07, 2020 10:56 pm The people above who said you need to file quarterly taxes might be confusing you with the word choice . You only file taxes once a year same as before. The new thing you might start doing quarterly is sending an estimated payment.
Got it now. Thx
by Colorado Guy
Wed Jul 08, 2020 7:34 am
Forum: Personal Finance (Not Investing)
Topic: 1099 rates for Engineering Consultant
Replies: 34
Views: 2383

Re: 1099 rates for Engineering Consultant

It does not matter whether you were fired, laid off or voluntary separated. In fact, it is the latter case that the IRS was most likely concerned with. CPAs and financial planners were all over the internet proposing that high income professionals arrange with their employers to quit their jobs and...
by Colorado Guy
Tue Jul 07, 2020 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 rates for Engineering Consultant
Replies: 34
Views: 2383

Re: 1099 rates for Engineering Consultant

OP: Have you considered working through a staffing agency? It's worth considering, since that would reduce the personal hassle (Quarterlies, SET, Liability, etc) and you'd be paid as a W2. Usually there are still no regular "benefits." I'm doing this now, and although my direct 1099 Rate is about 2...
by Colorado Guy
Tue Jul 07, 2020 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 rates for Engineering Consultant
Replies: 34
Views: 2383

Re: 1099 rates for Engineering Consultant

Keep in mind that under the final IRS Section 199A regulations, a former employee is presumed to be ineligible for the QBI deduction for three (3) years after separation. Spirit Rider, I found the following in the IRS explanation for QBI: Finally, the final regulations state that former employees p...
by Colorado Guy
Tue Jul 07, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 rates for Engineering Consultant
Replies: 34
Views: 2383

Re: 1099 rates for Engineering Consultant

AB609, a lot of good material here, thank you. For the estimated taxes, you can make a copy in turbo tax of your 2019 tax return and add in your expected consulting income and expenses pretending it happened last year. It will give you an idea of the taxes will look like next year. The program will ...
by Colorado Guy
Sat Jul 04, 2020 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 rates for Engineering Consultant
Replies: 34
Views: 2383

Re: 1099 rates for Engineering Consultant

Spirit Rider wrote: Sat Jul 04, 2020 5:15 pm Keep in mind that under the final IRS Section 199A regulations, a former employee is presumed to be ineligible for the QBI deduction for three (3) years after separation.
Thank you for the clarification. I will not count on this being available then.
by Colorado Guy
Sat Jul 04, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: 1099 rates for Engineering Consultant
Replies: 34
Views: 2383

Re: 1099 rates for Engineering Consultant

As I had hired consultants before for the companies I worked for, am aware of current engineering consultant rates, but not 1099 rates. Consultants receive 1099's from the companies they contract with. What is it that you're thinking distinguishes "consultant rates" from "1099 rates"? If you know t...
by Colorado Guy
Sat Jul 04, 2020 9:09 am
Forum: Personal Finance (Not Investing)
Topic: 1099 rates for Engineering Consultant
Replies: 34
Views: 2383

Re: 1099 rates for Engineering Consultant

Howdy again Here is an earlier thread on setting up a contracting business. References to LLCs and obtaining liability insurance are solid. LLC probably not necessary for you, E&O insurance probably. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=313377&p=5219914#p5219914 Good luck W B WildBi...
by Colorado Guy
Sat Jul 04, 2020 9:04 am
Forum: Personal Finance (Not Investing)
Topic: 1099 rates for Engineering Consultant
Replies: 34
Views: 2383

Re: 1099 rates for Engineering Consultant

I have a consulting business in addition to my regular W-2 job. 2X my W2 job is my nominal rate for consulting. It depends somewhat on the nature of the task, however. Travel time and remote training presentations I bill at a somewhat lower rate. I try not to squeeze the last buck out of every proj...
by Colorado Guy
Sat Jul 04, 2020 8:52 am
Forum: Personal Finance (Not Investing)
Topic: 1099 rates for Engineering Consultant
Replies: 34
Views: 2383

Re: 1099 rates for Engineering Consultant

You will pay self employment tax of 15% on the net income of your business. You can also take a 20% deduction called the QBI against the net income of your business. Head hurting yet? It's starting to. :) Self employment tax in addition to the FICA payroll taxes? I will be figuring out what my rate...
by Colorado Guy
Fri Jul 03, 2020 7:36 am
Forum: Personal Finance (Not Investing)
Topic: 1099 rates for Engineering Consultant
Replies: 34
Views: 2383

1099 rates for Engineering Consultant

I retired earlier this year, and find myself sometimes wondering how did I get things done when working (often I did not). I have held several jobs over the years, generally as a senior or principal engineering consultant in the renewable energy industry. In the last few weeks as companies are emerg...
by Colorado Guy
Tue Jun 23, 2020 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can a divorced spouse claim SS on the record of an ex- who died too young to claim?
Replies: 9
Views: 2316

Re: Can a divorced spouse claim SS on the record of an ex- who died too young to claim?

BL, Believe you are correct that I could have applied at 62, at a reduced benefit. If I had known of divorce survivor benefits years earlier and applied then, perhaps I would have received more benefits overall, but I simply was unaware of it. Not sure what reduction in benefits that would be exactl...
by Colorado Guy
Tue Jun 23, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Can a divorced spouse claim SS on the record of an ex- who died too young to claim?
Replies: 9
Views: 2316

Re: Can a divorced spouse claim SS on the record of an ex- who died too young to claim?

Can the surviving divorced spouse who is of retirement age claim on their dead ex's record? Yes. See Ex-Spouse Benefits and You | Social Security Matters and links therein for more. I know this is an older thread, but something I only recently became aware of, and perhaps of interest to some in the...
by Colorado Guy
Sun Jun 21, 2020 9:11 am
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel on MiB Podcast: 60/40 is risky and more
Replies: 146
Views: 17231

Re: Jeremy Siegel on MiB Podcast: 60/40 is risky and more

5. 60/40 is risky , 75/25 is a wiser AA given the bond environment and risk of inflation. I think a growing group of Bogleheads have already figured this out. ....stocks stand to do very well in 2021 due to all the liquidity pumped into the markets. Be bond heavy at your own peril — this recovery w...
by Colorado Guy
Tue Jun 16, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: I think I need a new computer
Replies: 135
Views: 7274

Re: I think I need a new computer

had another computer question and figured id just leave them all in here instead of making a new thread. im looking for an automatic file backup program. I used to use mozy but they are gone now and I was looking for a good replacement. one that does automatic off-site backups (daily?). any recomme...
by Colorado Guy
Tue Jun 16, 2020 4:11 pm
Forum: Personal Consumer Issues
Topic: I think I need a new computer
Replies: 135
Views: 7274

Re: I think I need a new computer

had another computer question and figured id just leave them all in here instead of making a new thread. im looking for an automatic file backup program. I used to use mozy but they are gone now and I was looking for a good replacement. one that does automatic off-site backups (daily?). any recomme...
by Colorado Guy
Sun Jun 14, 2020 7:20 pm
Forum: Personal Investments
Topic: Ditching International
Replies: 274
Views: 16158

Re: Ditching International

Sorry, maybe my question wasn't clear. Any gains in VTIAX (International Index)? Looks like $2,143 in gains. Wow! That's a compelling argument to stay in International, about 1% over the 5 year period...NOT! Could have left it in MM... I am generally a hold it guy, but took the recent downturn (plu...
by Colorado Guy
Sun Jun 14, 2020 10:54 am
Forum: Investing - Theory, News & General
Topic: Utilities - Does anyone own some?
Replies: 69
Views: 3909

Re: Utilities - Does anyone own some?

Even low-volatility stocks are not, IMHO, generally a suitable substitute for bonds in a portfolio. Although utility stocks are good diversifiers, they are still going to behave more like stocks than bonds. People sometimes call utility stocks "bond proxies" or "bond surrogates", but such language ...
by Colorado Guy
Sun Jun 14, 2020 10:13 am
Forum: Investing - Theory, News & General
Topic: Utilities - Does anyone own some?
Replies: 69
Views: 3909

Re: Utilities - Does anyone own some?

About a month ago, I purchased some VPU (Vanguard Utilities ETF) for my retirement account. I had a bond mature and with rates so incredible low, I chose to increase my equity exposure with some utilities rather than reinvesting in bonds. I know it is not a bond substitute per se, but they do creat...
by Colorado Guy
Wed Jun 10, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: I think I need a new computer
Replies: 135
Views: 7274

Re: I think I need a new computer

So it appears you may have a software conflict problem. While troublesome to dig out, it could be a low cost solution. Try this first before any SSD purchase. Agree with your thoughts on uninstall and then reinstall Avast. Sometimes programs just get corrupted or conflicts with other systems. guess ...
by Colorado Guy
Wed Jun 10, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: I think I need a new computer
Replies: 135
Views: 7274

Re: I think I need a new computer

My current one is just getting too slow. The lag is unbearable. Sometimes I click on something and wait 10-15 seconds for the computer to catch up. As your computer is "getting too slow", that suggests there are programs running in the background that could be slowing things down. You could use CCl...