Search found 230 matches

by Looking4Answers
Mon Aug 17, 2020 8:35 am
Forum: Personal Finance (Not Investing)
Topic: How do utilize tax lost harvesting (TLH) losses
Replies: 17
Views: 1136

Re: How do utilize tax lost harvesting (TLH) losses

[/quote] From a previous presentation on taxes and investing, I have a list of CT, IL, IN, MA, MI, NJ, OH, PA, RI, WV as states which have no or very limited itemized deductions. [/quote] Any chance to see that presentation, or a summary? Or another good source of that type of info? I am in Indiana,...
by Looking4Answers
Fri Aug 14, 2020 8:00 am
Forum: Personal Investments
Topic: sell taxable to fund tax-deferred /
Replies: 12
Views: 992

Re: sell taxable to fund tax-deferred /

To be honest, when I started funding our Roth's from our taxable, I did not understand at that time how beneficial it would be in retirement to have those Roths instead of having a larger 401K balance. I did not understand this either. My initial decision to fund a Roth was based on my personal pre...
by Looking4Answers
Thu Aug 13, 2020 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: 6 month Retroactive Medicare
Replies: 4
Views: 529

Re: 6 month Retroactive Medicare

DH turned 65 this year. This was also the first year he had a HDHP health plan that allowed him to have an HSA, so he has not signed up for Medicare yet. [Comment regarding proposed legislation removed by moderator oldcomputerguy] DH stopped, started, and then stopped his payroll deduction because o...
by Looking4Answers
Wed Aug 05, 2020 2:59 pm
Forum: Investing - Theory, News & General
Topic: Bond funds in taxable: How much can tax loss harvesting mitigate the risk of increases in interest rates?
Replies: 22
Views: 1276

Re: Bond funds in taxable: How much can tax loss harvesting mitigate the risk of increases in interest rates?

So, is the example tax-loss harvesting back and forth between each of the funds yearly?

Has anyone actually done something similar with different types of bonds funds?
by Looking4Answers
Sun Jun 28, 2020 1:48 pm
Forum: Personal Investments
Topic: Advice on Canceling Fidelity Portfolio Advisory Service
Replies: 28
Views: 12379

Re: Advice on Canceling Fidelity Portfolio Advisory Service

I am resurrecting this older thread to try to determine how things worked out with the OP.

Were you able to cancel the advisory service with a minimum of difficulty? Any advice for someone in a similar position?
by Looking4Answers
Thu Jun 11, 2020 4:52 pm
Forum: Investing - Theory, News & General
Topic: Podcasts, websites or blogs for seniors with limited income?
Replies: 5
Views: 373

Re: Podcasts, websites or blogs for seniors with limited income?

I can't answer your question. But if you start a blog, please come back and post.
by Looking4Answers
Fri Jun 05, 2020 11:55 am
Forum: Personal Consumer Issues
Topic: Comet Cleanser Not as Abrasive As Before
Replies: 13
Views: 1219

Re: Comet Cleanser Not as Abrasive As Before

Zud is what I use when really need extra cleaning power.
by Looking4Answers
Sat May 23, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card perks besides cash/points?
Replies: 19
Views: 1649

Best credit card perks besides cash/points?

I generally use credit cards to get best cash rewards. In the past I did make selective purchases for specific charges such as AMEX for extended warranty, Citi Double Cash if I thought I might be able to use price rewind. Now that so many cards have trimmed perks, what are your favorite perks (not c...
by Looking4Answers
Tue May 19, 2020 11:52 am
Forum: Personal Investments
Topic: Advice on Mom's retirement accounts
Replies: 14
Views: 1000

Re: Advice on Mom's retirement accounts

I suspect the rationale between breaking up the total market is to allow for tax loss harvesting. However, besides having to keep up with it, there have been many years through the bull market that there weren't that many opportunities to do this even if a person had different funds/etfs for each as...
by Looking4Answers
Thu May 14, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 828
Views: 108233

Re: Best CD rates thread

mur44 wrote: Thu May 14, 2020 12:34 pm Kevin M,

My wife has one CD at PSECU with me as POD beneficiary. Does this automatically
give $500,000 NCUA protection even in her ONE existing (ADD ON provision) CD?
I would think so.
https://www.thebalance.com/payable-deat ... ase-357241
by Looking4Answers
Mon May 11, 2020 7:17 pm
Forum: Investing - Theory, News & General
Topic: Adjust Asset Allocation when 90 or older?
Replies: 21
Views: 1508

Re: Adjust Asset Allocation when 90 or older?

[/quote] Are you talking about AA adjustment at 90, or near retirement, or near death, or all three? What was it you read? [/quote] Adjusting asset allocation to fewer stocks because there would not be enough time to recover for whoever is drawing the money out. Non-boglehead heirs may not know righ...
by Looking4Answers
Mon May 11, 2020 2:26 pm
Forum: Investing - Theory, News & General
Topic: Adjust Asset Allocation when 90 or older?
Replies: 21
Views: 1508

Re: Adjust Asset Allocation in last decade of life?

Toons wrote: Mon May 11, 2020 2:23 pm I will be 70 in October,
Have been thinking about it the last 5 years,but
Still 70/30 Stock Bond.
Comfortable with it
:happy
Hey, I'm in my 60's. Please don't suggest that 70 is old.
by Looking4Answers
Mon May 11, 2020 2:25 pm
Forum: Personal Consumer Issues
Topic: Covid-19 Customer Service, buying experiences
Replies: 3
Views: 477

Covid-19 Customer Service, buying experiences

Every business in existence seems to have a Covid-19 policy. Some seem to be trying to help the community or their customers, and some try to seem like they are without really doing so. Has anyone had exceptionally good experiences from banks, brokerages, and stores? Anyone had exceptionally bad exp...
by Looking4Answers
Mon May 11, 2020 2:20 pm
Forum: Investing - Theory, News & General
Topic: Adjust Asset Allocation when 90 or older?
Replies: 21
Views: 1508

Adjust Asset Allocation when 90 or older?

I often read that money needed in X number of years (varies anywhere from 3-10 Years) should not be in the stock market. Much is discussed about when a person is nearing retirement. What about nearing death? If someone is 90+, should their money be in stock market? Under present tax system the cost ...
by Looking4Answers
Sun May 10, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: Coffee-grounds/beans/leftover - uses in garden besides compost
Replies: 10
Views: 1465

Coffee-grounds/beans/leftover - uses in garden besides compost

At one time I thought coffee grounds were good for plants such as azaleas, but I had a hard time saving up many without mold. Recently I read to mix leftover coffee half and half with water and use it to water plants. When I search on the Internet, I see recommendations both for and against coffee g...
by Looking4Answers
Mon May 04, 2020 11:37 am
Forum: Personal Investments
Topic: Managed by Fidelity or Vanguard or me
Replies: 9
Views: 580

Re: Managed by Fidelity or Vanguard or me

Fidelity also has target date funds. If you stay with Fidelity, it is easy to invest in Vanguard ETFs, or any ETFs, but not so with mutual funds. There is a considerable charge at Fidelity to invest in Vanguard mutual funds, even if they are available. If you research these types of funds, be aware ...
by Looking4Answers
Mon May 04, 2020 10:58 am
Forum: Personal Investments
Topic: Managed by Fidelity or Vanguard or me
Replies: 9
Views: 580

Re: Managed by Fidelity or Vanguard or me

You will probably have others inquire as to your total financial situation that might influence you. As well as a number of Bogleheads that would never pay anyone to manage their money, so I will offer a different perspective. My father had mostly individual stock holdings when he died in 2005. He h...
by Looking4Answers
Fri Apr 24, 2020 11:55 am
Forum: Investing - Theory, News & General
Topic: Morningstar praises new Fidelity Core Bond fund- opinions?
Replies: 18
Views: 1505

Re: Morningstar praises new Fidelity Core Bond fund- opinions?

Thanks. Lots of good information. For many years, it seemed like Morningstar tended to mention, and favor, Vanguard funds over Fidelity. I don't really know if that holds true now or not.
by Looking4Answers
Fri Apr 24, 2020 10:59 am
Forum: Investing - Theory, News & General
Topic: Morningstar praises new Fidelity Core Bond fund- opinions?
Replies: 18
Views: 1505

Morningstar praises new Fidelity Core Bond fund- opinions?

https://www.morningstar.com/articles/979168/article

Would appreciate input on FXNAX in light of this. Compared to other index funds, is it any better or worse?

Opinions on bond index funds in general in view of recent developments welcome also.
by Looking4Answers
Fri Apr 17, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8500

Re: Frugal quarantine habits to keep

millennialmillions wrote: Fri Apr 17, 2020 10:00 am
supalong52 wrote: Fri Apr 17, 2020 9:13 am

That's $230 in annual savings, and it only came with a few expletives from DW as I was giving her detailed instructions on how to cut it :happy
My husband watched a ton of Youtube videos and did his all by himself.
by Looking4Answers
Fri Apr 17, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: Specific language for living will or medical directive?
Replies: 4
Views: 243

Specific language for living will or medical directive?

My mother has a living will. However, she is concerned that the language is not specific enough. There is a provision for no extraordinary measures to keep her alive, etc. However, she is more concerned with measures that keep her alive, but leave her impaired but not necessarily incapacitated. She ...
by Looking4Answers
Fri Apr 17, 2020 10:52 am
Forum: Investing - Theory, News & General
Topic: Risk of Munis with A or above compared to other investments?
Replies: 1
Views: 199

Risk of Munis with A or above compared to other investments?

If a state-specific muni fund holds only A or above bonds, how would you compare risk with conservative bond funds, national munis, money market, etc.? Especially in today's market? It is hard for me to quantify risk. There is risk compared to other funds in same category. There is risk compared to ...
by Looking4Answers
Fri Apr 10, 2020 3:02 pm
Forum: Investing - Theory, News & General
Topic: CARES withdrawal
Replies: 5
Views: 521

Re: CARES withdrawal

It seems this provision is in effect from now until the end of the year. However, several articles have mentioned this provision without saying that it does not apply unless made by a qualified individual. A “qualified individual” is someone (including spouse or dependent) that is diagnosed with COV...
by Looking4Answers
Thu Apr 09, 2020 9:11 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57232

Re: How to get Toilet Paper ? seriously.

BuddyJet wrote: Thu Apr 09, 2020 8:30 am I ordered from Samsclub. Free shipping with plus membership.
I was thinking about signing up for plus just for this, but now they are out also.
by Looking4Answers
Wed Apr 01, 2020 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurers Waiving Treatment Covid Cost - Does this apply if you have a HDHP?
Replies: 15
Views: 904

Re: Health Insurers Waiving Treatment Covid Cost - Does this apply if you have a HDHP?

TravelGeek wrote: Wed Apr 01, 2020 3:02 pm
Looking4Answers wrote: Wed Apr 01, 2020 2:57 pm We received a notice that our insurer, Cigna, would pay for Covid testing. We are under HDHP and it does not change our liability for treatment.
Was that after Monday’s announcement?
No, so I hope it does cover the treatment. And I also hope I don't need it.
by Looking4Answers
Wed Apr 01, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurers Waiving Treatment Covid Cost - Does this apply if you have a HDHP?
Replies: 15
Views: 904

Re: Health Insurers Waiving Treatment Covid Cost - Does this apply if you have a HDHP?

We received a notice that our insurer, Cigna, would pay for Covid testing. We are under HDHP and it does not change our liability for treatment.
by Looking4Answers
Mon Mar 30, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57232

Re: How to get Toilet Paper ? seriously.

UpperNwGuy wrote: Mon Mar 30, 2020 8:48 am
countdrak wrote: Sun Mar 29, 2020 9:05 pm https://www.instok.org/

Let's you check store inventory for essentials near your location.
Checking anything at Walmart says "Due to the increase in volume, walmart.com is no longer accurate for in store stock". It has always been that way, especially groceries.
by Looking4Answers
Sat Mar 28, 2020 3:25 pm
Forum: Personal Consumer Issues
Topic: Should I get Life Alert, or similar?
Replies: 53
Views: 2379

Re: Should I get Life Alert, or similar?

You might find the comments on another forum interesting:

https://www.agingcare.com/questions/is- ... rby=recent
by Looking4Answers
Mon Mar 23, 2020 1:06 pm
Forum: Investing - Theory, News & General
Topic: Roth conversion soon even if it means pulling money for tax from IRA?
Replies: 2
Views: 248

Roth conversion soon even if it means pulling money for tax from IRA?

Expect to be in same tax bracket now and in future - retirement looming within next year. Am making a Roth conversion now while stocks are down, paying tax from outside source. I could do a little more, but want to make sure I can fund IRAs, HSA, 401k this year. It still seems if stocks are way down...
by Looking4Answers
Sat Mar 21, 2020 1:29 pm
Forum: Personal Investments
Topic: fidelity advisory has my 80yo mother 100% muni bonds is this negligence
Replies: 8
Views: 1016

Re: fidelity advisory has my 80yo mother 100% muni bonds is this negligence

I would definitely take it up with Fidelity. My mother is 30% stock, 70% bond in an account at Fidelity and there has always been diversification on both sides.
by Looking4Answers
Sat Mar 21, 2020 10:59 am
Forum: Personal Investments
Topic: What does having a Fidelity adviser entail? Should I be concerned about parents & in-laws.
Replies: 14
Views: 756

Re: What does having a Fidelity adviser entail? Should I be concerned about parents & in-laws.

I will add that Fidelity's managed accounts definitely keep the accounts properly diversified, follow modern portfolio theory, etc. Also, when someone signs up for a managed account, there is a questionnaire that determines how conservative or aggressive the customer wants to be with their accounts....
by Looking4Answers
Sat Mar 21, 2020 9:53 am
Forum: Personal Investments
Topic: What does having a Fidelity adviser entail? Should I be concerned about parents & in-laws.
Replies: 14
Views: 756

Re: What does having a Fidelity adviser entail? Should I be concerned about parents & in-laws.

My father was the opposite of a Boglehead. He liked to trade stocks and kept up with market daily. He died a number of years ago leaving my mother with little knowledge of his financial picture. He had three separate companies he dealt with, the largest amount of his holdings were with Fidelity. I h...
by Looking4Answers
Sat Mar 21, 2020 9:28 am
Forum: Personal Investments
Topic: Question on my Taxable Account
Replies: 5
Views: 239

Re: Question on my Taxable Account

I am no expert by any means, but since you do seem to be fairly new at a taxable account, I might mention that it is generally better to not reinvest dividends in a taxable account. If you have any questions about that, perhaps someone more knowledgeable than I can explain the intricacies of trying ...
by Looking4Answers
Tue Mar 17, 2020 7:53 pm
Forum: Personal Investments
Topic: Corporate bonds in Wellesley, Wellington, T Rowe Price Capital Appreciation
Replies: 10
Views: 964

Corporate bonds in Wellesley, Wellington, T Rowe Price Capital Appreciation

There have been some pretty alarming posts concerning corporate bonds. I've always thought of VWINX, VWELX, PRWCX, as rather conservative, reliable funds, especially the Vanguard funds. There have been numerous accolades on this forum for Wellesley in particular. Should I be concerned about the high...
by Looking4Answers
Mon Mar 16, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57232

Re: How to get Toilet Paper ? seriously.

Wal-mart and Target were not selling it online when I checked. None in stores that I have been in lately. My local Wal-mart has grocery pick-up available. Usually you can schedule for the next day. A couple of days ago I checked and no pick-ups were available for several days out. Now website says n...
by Looking4Answers
Sat Feb 29, 2020 2:36 pm
Forum: Investing - Theory, News & General
Topic: Minimum volatility fund this week
Replies: 54
Views: 3439

Re: Minimum volatility fund this week

Unless the fund is taking less than 80% as much risk, there is no advantage to a fund like this you could not get by adjusting your AA. I had been recently thinking of investing in a low volatility small or mid-cap etf. Would there by a rough estimate of how much to reduce putting in to an ordinary...
by Looking4Answers
Wed Feb 26, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: New Master BR at rear or front of house?
Replies: 7
Views: 602

Re: New Master BR at rear or front of house?

What about sun? If east-facing you would get morning sun - fine if you are an early riser.
by Looking4Answers
Thu Feb 06, 2020 10:56 pm
Forum: Personal Consumer Issues
Topic: Finding GOOD flights, not necessarily cheapest flights
Replies: 40
Views: 3194

Re: Finding GOOD flights, not necessarily cheapest flights

jucor wrote: Thu Feb 06, 2020 7:31 pm The apparently now defunct website Hipmunk was great -- you had lots of real-world filtering options. But it seems they've been bought and closed. :(
:( Oh, no, I was going to suggest Hipmunk!
by Looking4Answers
Wed Jan 15, 2020 1:50 pm
Forum: Personal Investments
Topic: Treasuries funds in taxable account...
Replies: 13
Views: 1759

Re: Treasuries funds in taxable account...

palanzo wrote: Wed Jan 15, 2020 1:03 pm
Would Intermediate Term TE also not be a good choice in taxable?
Forgive my ignorance but what is Intermediate Term TE?
by Looking4Answers
Fri Jan 03, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Wearable options for extreme low vision? IrisVision, etc?
Replies: 4
Views: 334

Re: Wearable options for extreme low vision? IrisVision, etc?

There are a few that my mom uses daily. She also loves have an Alexa for reminders, timers, alarms, to look up answers she would have googled previously, etc. Anyway, mostly wanted respond so I could follow the thread, I hope someone has some experiences. Best. Mom has an Android phone, just a Trac...
by Looking4Answers
Fri Jan 03, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: Wearable options for extreme low vision? IrisVision, etc?
Replies: 4
Views: 334

Wearable options for extreme low vision? IrisVision, etc?

My mother has advanced AMD and uses a stationary video magnifier (Davinci) for magnification. She lives in a rural area and it is not very convenient to travel to a larger city. I have been comparing wearable technology: IrisVision, Esight, and Nueyes. Does anyone have any experience or knowledge of...
by Looking4Answers
Thu Nov 21, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Portable Bed Options?
Replies: 11
Views: 1105

Re: Portable Bed Options?

I recently purchased a foldable bed frame from Wal-mart. I have not yet bought a mattress of any kind, but would gladly take suggestions.

https://www.walmart.com/ip/Mainstays-14 ... l/49920622
by Looking4Answers
Thu Nov 21, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping portals EVreward and CashBackMonitor?
Replies: 1
Views: 134

Shopping portals EVreward and CashBackMonitor?

Anyone use EVreward or CashBackMonitor? Experiences? Tips?
by Looking4Answers
Tue Nov 19, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Skin lotion for old skin
Replies: 36
Views: 4146

Re: Skin lotion for old skin

Sarna lotion (some drugstores may have a generic version) is good for itching. I bought some for my father years ago, and it was recently recommended on a forum at www.agingcare.com. They have a pretty active forum for those who are dealing with caregiving issues.
by Looking4Answers
Fri Oct 25, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 9250

Re: BofA ShopSafe going away

I was able to use Capital One's Eno on Aliexpress. I generated a number and made an order. I had to enter number rather than auto-fill. Then I went back and made another small order and was able to use same number. Then after seeing that they had both processed, I deleted the number from Eno.
by Looking4Answers
Mon Oct 21, 2019 12:27 pm
Forum: Personal Investments
Topic: MM etfs for Roth IRA
Replies: 5
Views: 373

Re: MM etfs for Roth IRA

Assuming the OP has funds in any account that will be needed in a short period of time, are any of the ETFs mentioned suitable?