Search found 1410 matches

by earlyout
Fri Sep 18, 2020 4:15 pm
Forum: Personal Investments
Topic: Guidance for breaking the news to our financial advisor
Replies: 36
Views: 2480

Re: Guidance for breaking the news to our financial advisor

And don't feel sorry for him. Estimate how much of your money he has at 0.9% compounded and you will realize he has been well paid.
by earlyout
Mon Aug 31, 2020 12:13 pm
Forum: Personal Investments
Topic: LTCG Question
Replies: 9
Views: 404

Re: LTCG Question

May be best to manually specify tax lots to sell - both to make sure you realize long -term gains, and to minimize the gains by selling lots with higher cost basis first. FIFO is probably a good enough approximation. If indeed you only need $18,000, and that would bring you total taxable income to ...
by earlyout
Sat Aug 29, 2020 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: IRS processing of 2019 paper returns
Replies: 10
Views: 755

Re: IRS processing of 2019 paper returns

... I'm not sure why a check was mailed when my return requested direct deposit, and had the same routing and account numbers to which my stimulus payment had been successfully sent. Maybe all the interest payments were made by check and the workflow somehow worked better that way. ... It is hard t...
by earlyout
Sun Aug 02, 2020 7:52 pm
Forum: Personal Investments
Topic: Capturing the loss plus tax-free gain in Roth?
Replies: 44
Views: 1978

Re: Capturing the loss plus tax-free gain in Roth?

There are certainly many ways to rebalance but given your constraint of no bonds in taxable this seems like a reasonable way to rebalance back to 50:50 and increase the stock allocation in the Roth. It also has the advantage that in the future you can rebalance within the Roth w/o incurring tax on c...
by earlyout
Mon Jul 27, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: IRS refund delay
Replies: 65
Views: 4297

Re: IRS refund delay

As many have pointed out, efile if you can. I efiled on July 16 ( a day late, I know) and my refund was deposited on July 24. 8 days.
by earlyout
Sat Jul 25, 2020 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: IRS treatment of tax liability for Roth conversion (calendar year)?
Replies: 3
Views: 346

Re: IRS treatment of tax liability for Roth conversion (calendar year)?

IIRC they will treat it as income spread over the year. However, you can avoid the penalty by correctly filling out and including IRS form 2210 when you file your tax return.
by earlyout
Fri Jul 24, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: Can I (homeowner) pay roofer's insurance premium?
Replies: 8
Views: 888

Re: Can I (homeowner) pay roofer's insurance premium?

It may depend on what insurance you now have but it certainly won't hurt anything to call your insurance agent and ask.
by earlyout
Fri Jul 24, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Can I (homeowner) pay roofer's insurance premium?
Replies: 8
Views: 888

Re: Can I (homeowner) pay roofer's insurance premium?

I see two areas of risk if you let this person do the work. He might hurt himself and sue you or he might damage your building. If you really think he can do the work you want done, why don't you talk to your insurance agent and purchase a rider that covers you for both risks.
by earlyout
Mon Jul 13, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: VoIP phone: Any advice....
Replies: 20
Views: 969

Re: VoIP phone: Any advice....

An OBI200 with the wifi adapter and service from VOIP.ms. This connected to a 4 phone Panasonic wireless system scattered around the house. Average annual cost 1917-1919, $52.00 including 911. You had VOIP during World War I? Cool! No wonder it was so expensive. :P Sometimes the fingers aren't conn...
by earlyout
Mon Jul 13, 2020 7:49 am
Forum: Personal Consumer Issues
Topic: VoIP phone: Any advice....
Replies: 20
Views: 969

Re: VoIP phone: Any advice....

An OBI200 with the wifi adapter and service from VOIP.ms. This connected to a 4 phone Panasonic wireless system scattered around the house. Average annual cost 1917-1919, $52.00 including 911.
by earlyout
Wed Jun 24, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Viking Built In Refrigerator--Repair or Replace? UPDATED
Replies: 94
Views: 4072

Re: Viking Built In Refrigerator--Repair or Replace?

Why do you have separate units? A built-in 48" Subzero combination refrigerator-freezer would be a lot less than two units and probably less than two new Viking units. Getting a new Viking refrigerator now just locks you into another Viking freezer unit sometime in the not too distant future since t...
by earlyout
Wed Jun 24, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Viking Built In Refrigerator--Repair or Replace? UPDATED
Replies: 94
Views: 4072

Re: Viking Built In Refrigerator--Repair or Replace?

Why do you have separate units? A built-in 48" Subzero combination refrigerator-freezer would be a lot less than two units and probably less than two new Viking units. Getting a new Viking refrigerator now just locks you into another Viking freezer unit sometime in the not too distant future since t...
by earlyout
Mon Jun 22, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate closing - what time of day of closing does ownership transfer?
Replies: 31
Views: 1692

Re: Real estate closing - what time of day of closing does ownership transfer?

Talk to the buyer! Otherwise you may find your car and your motorcycle out in the street when you get there. Worse yet, they may not be there at all. Without other arrangements, assume that ownership transfers at the closing.
by earlyout
Thu Jun 18, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Report SSDI back pay with "Lump-Sum Election"
Replies: 9
Views: 431

Re: Report SSDI back pay with "Lump-Sum Election"

You have the total back pay for SSDI which covers a certain number of years. Why not calculate the value for each year that was covered, including an adjustment for the annual SS inflation factors, and use that number for the tax calculations? The total will match your 1099 and if you get any questi...
by earlyout
Sat Jun 06, 2020 8:38 pm
Forum: Personal Investments
Topic: Retirees: what is your AA?
Replies: 80
Views: 4021

Re: Retirees: what is your AA?

Retired in 2000 with a 60:40 AA. Modified AA in 2010 to 50:50 and have held it there. Mostly S&P 500 and total bond indices. At the bottom in March AA was 40:60. Can get by on SS if I have to so I'm comfortable with 50:50.
by earlyout
Sun May 31, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Can I use my pressure washer compressor for a pneumatic nail gun?
Replies: 24
Views: 1855

Re: Can I use my pressure washer compressor for a pneumatic nail gun?

I'd use 1 1/4" x 18g nails. That's big enough for 3/8" material. Set your nail gun so that it does not drive the nail all the way through the shiplap.
by earlyout
Wed May 20, 2020 8:29 am
Forum: Personal Investments
Topic: Newly retired Roth Conversion help
Replies: 6
Views: 803

Re: Newly retired Roth Conversion help

Don't forget to include the dividends and capital gain from the taxable account when you decide how much to convert. Conversions can no longer be reversed so you want to say on the safe side, particularly with the IRMAA cliff.
by earlyout
Sat May 09, 2020 4:47 pm
Forum: US Chapters
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 119
Views: 40821

Re: Metro Atlanta Bogleheads Local Chapter

An Atlanta Zoom meeting sounds interesting. I would like to join.
by earlyout
Fri Apr 10, 2020 5:04 pm
Forum: Personal Consumer Issues
Topic: Home office monitor?
Replies: 39
Views: 1702

Re: Home office monitor?

As mentioned above, before buying the monitor(s) make certain your laptop will handle multiple displays at the desired resolution and also think about how you will connect all the devices together.
by earlyout
Sat Mar 28, 2020 3:01 pm
Forum: Personal Investments
Topic: [Can you reverse a RMD made before the CARES act?]
Replies: 7
Views: 982

Re: [Can you reverse a RMD made before the CARES act?]

You could also take all or part of the distribution and add it to a Roth IRA. You will still pay taxes on the distribution but it will now be in a Roth and future RMDs from your traditional IRA will be reduced.
by earlyout
Wed Mar 18, 2020 9:12 am
Forum: Personal Consumer Issues
Topic: Dentist/Dental hygienist? (in times of COVID)
Replies: 25
Views: 1556

Re: Dentist/Dental hygienist? (in times of COVID)

I had my teeth cleaned last Thursday using an appointment I had made 6 months ago at my last visit to the hygienist. My thought was that the dentist's office is cleaner and less likely to be contaminated than anyplace else.
by earlyout
Mon Mar 16, 2020 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bad market to buy and sell a house in?
Replies: 6
Views: 737

Re: Bad market to buy and sell a house in?

I think the price of residential housing will be down after our current crisis is over. Let's say 20%. If you really want to move and don't mind losing the 20% on your current house, go ahead and move now. If it is not worth the 20% to move now, cancel the contract if you can and just stay put. I wo...
by earlyout
Fri Feb 14, 2020 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified High Deductible Plan for HSA
Replies: 12
Views: 661

Re: Qualified High Deductible Plan for HSA

Be careful not to confuse deductibles with out of pocket max. If, as you state, your oop max is 13,800 that is too high to qualify for an HSA. "For 2019, the IRS defines a high deductible health plan as any plan with a deductible of at least $1,350 for an individual or $2,700 for a family. An HDHP’...
by earlyout
Fri Feb 14, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified High Deductible Plan for HSA
Replies: 12
Views: 661

Re: Qualified High Deductible Plan for HSA

Be careful not to confuse deductibles with out of pocket max. If, as you state, your oop max is 13,800 that is too high to qualify for an HSA. "For 2019, the IRS defines a high deductible health plan as any plan with a deductible of at least $1,350 for an individual or $2,700 for a family. An HDHP’s...
by earlyout
Mon Jan 20, 2020 3:45 pm
Forum: Personal Investments
Topic: How many months expenses held in cash in reirement
Replies: 46
Views: 2749

Re: How many months expenses held in cash in reirement

Almost 20 years into retirement and I keep only the cash needed for the next 2-3 months. When cash available gets below my needs for the next 30 days I sell something in a taxable account or take a distribution from an IRA. Why this? First of all, I want my funds invested and having idle cash sitti...
by earlyout
Mon Jan 20, 2020 11:38 am
Forum: Personal Investments
Topic: How many months expenses held in cash in reirement
Replies: 46
Views: 2749

Re: How many months expenses held in cash in reirement

Almost 20 years into retirement and I keep only the cash needed for the next 2-3 months. When cash available gets below my needs for the next 30 days I sell something in a taxable account or take a distribution from an IRA. Why this? First of all, I want my funds invested and having idle cash sittin...
by earlyout
Sat Dec 21, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: If you sell under $500 of stuff a year on ebay do you have to worry about sales taxes?
Replies: 20
Views: 2428

Re: If you sell under $500 of stuff a year on ebay do you have to worry about sales taxes?

Sales taxes are governed by the laws of your state and the state(s) where your customer(s) reside. You may have to do a lot of checking.
by earlyout
Thu Dec 12, 2019 6:25 pm
Forum: Investing - Theory, News & General
Topic: Different closing prices from Yahoo and Market Watach
Replies: 4
Views: 357

Re: Different closing prices from Yahoo and Market Watach

Checking Yahoo's listings of historical prices, they have the same closing prices for 11/27 and 11/29 for these MFs. Maybe their system had too much turkey on Thanksgiving.
by earlyout
Thu Dec 12, 2019 3:27 pm
Forum: Investing - Theory, News & General
Topic: Different closing prices from Yahoo and Market Watach
Replies: 4
Views: 357

Different closing prices from Yahoo and Market Watach

There is probably a simple answer but I was updating my portfolio spreadsheet this afternoon and noticed that Yahoo gives the closing price on 11/29/19 for DFA Emerging Markets Core (DFCEX), as 20.68 while Market Watch has a closing price of 20.45. There is a similar discrepency with DFA Intl Small ...
by earlyout
Mon Dec 09, 2019 2:18 pm
Forum: Personal Investments
Topic: CCRC Move and Cashing-out Portfolio CG – Pros vs Cons!
Replies: 31
Views: 2297

Re: CCRC Move and Cashing-out Portfolio CG – Pros vs Cons!

Wow, Bogleheads! …Rich, diverse views definitely helped us a whole lot…and hope, we all gained, as much. OP’s Update: • We’ve seen letters supporting tax credits, 35-40% on the entrance (non-refundable portion) and monthly fees, which makes zero-refund attractive, and moreover, the actuarial-insura...
by earlyout
Wed Nov 27, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Disappointed in Silvercar by Audi
Replies: 11
Views: 1282

Re: Disappointed in Silvercar by Audi

If I underestand you post correctly, you were 8 minutes early checking in the car. You knew it was a 2 days free for a 4 day rental. Why didn't you just wait for 10 minutes before turning in the car and make it a 4 day rental?
by earlyout
Sun Nov 03, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Water damage incident is giving me heartburn - please help
Replies: 14
Views: 2257

Re: Water damage incident is giving me heartburn - please help

Where do you live? The laws governing this type of damage vary from state to state. I own a condo in Georgia and have had similar flooding incidents 3 times in the last 8 years. Since it was impossible to prove negligence on the part of the HOA or of the owners of the condos above me where the water...
by earlyout
Sun Nov 03, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Phone tech support
Replies: 6
Views: 479

Re: Phone tech support

If your carrier is Consumer Cellular just call their customer support number. They will send you a sim card for free and talk you through installation of the sim card (about a 2 minute operation). They will then assist you in moving the data from your old phone to your new phone. I recently went thr...
by earlyout
Fri Oct 25, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Where do you buy eyeglass frames online?
Replies: 16
Views: 1569

Re: Where do you buy eyeglass frames online?

Regarding quality of lenses with EBD and Zenni, I have 4 or 5 pairs of glasses,some from Zenni and some from EBD. I don't know the source of any one pair without going back and looking at my records. I have excellent vision with my glasses and when I change from one pair to another, be it Zenni to e...
by earlyout
Sun Oct 20, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help With Staying Above The ACA 138% Poverty Level
Replies: 7
Views: 1526

Re: HELP WITH STAYING ABOVE THE ACA 138% POVERTY LEVEL

Your assumptions about what is included in ACA MAGI are correct and yes, a distribution from a tradiotional IRA that is converted to a Roth IRA would be included in the ACA MAGI.
by earlyout
Fri Oct 11, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: What’s the proper way to pay yourself in retirement?
Replies: 66
Views: 9202

Re: What’s the proper way to pay yourself in retirement?

I try to keep it very simple. My cash needs vary throughout the year so when I need cash I rebalance by selling whatever asset is ahead at that time and move the proceeds to the checking account. This has worked well for about 20 years so I see no need to make it complicated. It also allows me to be...
by earlyout
Fri Oct 11, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: iPhone question - purchase
Replies: 13
Views: 1737

Re: iPhone question - purchase

I would order from Apple for the various reasons given above. After you place the order, call Consumer Cellular and tell them you need a new SIM card for the Apple. They will send it to you for free (sometimes via FedEx overnight) and talk you through installing the SIM card in the new phone and tra...
by earlyout
Fri Sep 13, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Atlanta area - relocation, questions
Replies: 7
Views: 755

Re: Atlanta area - relocation, questions

Like most real estate decisions -- location, location, location. You mentioned north and west of downtown Atlanta. From the airport that could be anywhere from 10 to 100 miles so you have to help us by pinpointing your desired location a little closer. Your primary purpose here is to help a family m...
by earlyout
Thu Sep 05, 2019 7:12 am
Forum: Personal Investments
Topic: ABMD (Abiomed) Stay or cut losses?
Replies: 7
Views: 669

Re: ABMD (Abiomed) Stay or cut losses?

Do you have anything other than your emotional attachment to this stock that makes you want to keep it?

The best question remains the same. If you had the equivalent cash today would you buy the stock?
by earlyout
Sat Aug 31, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Cash & Checkbook Register Reconciliation
Replies: 83
Views: 5820

Re: Cash & Checkbook Register Reconciliation

I use a checking account at a B&M bank as a depository for funds I use to pay bills. Almost all bills are paid automatically but I still write 2 or 3 checks each month. Several years ago I developed an Excel spreadsheet that is my check register. It gives both the actual balance and the balance show...
by earlyout
Fri Aug 09, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 19769

Re: Are you a "solo ager?"

Another recent bit addressing the same issue.

https://www.nextavenue.org/solo-agers-f ... PnubeY3qEM
by earlyout
Wed Jul 24, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Confused about above the line AGI deductions...
Replies: 12
Views: 997

Re: Confused about above the line AGI deductions...

When your medical insurance is part of your employee benefit plan, health care premiums are deducted from your pay and not included in your taxable income. An above the line deduction if you want to think of it that way. Medical insurance premiums you pay out of your pocket are a medical expense and...
by earlyout
Wed Jul 24, 2019 8:37 am
Forum: Investing - Theory, News & General
Topic: The Bucket Approach
Replies: 84
Views: 8882

Re: The Bucket Approach

to bucket, or not to bucket, that is the question: whether 'tis nobler in the mind to suffer the task of filling and emptying one's buckets, or to go bucket-less against a financial sea of troubles.... in general, me thinks the bucket approach being good or bad, or useful or not (with or without va...
by earlyout
Wed Jul 24, 2019 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Medical expense deduction question
Replies: 10
Views: 1039

Re: Medical expense deduction question

The distribution from the regular 401k funds will be treated as regular income and subject to taxes (and a penalty). ( EDIT See next response, penalty may be waived.) It doesn't matter what the money is used for since dollars are fungible. You mention you have the choice of using Roth or regular 401...
by earlyout
Sun Jul 21, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: Optimized Roth Conversion Model
Replies: 40
Views: 6362

Re: Optimized Roth Conversion Model

Very interesting work. Thank you. It appears you are judging the results of different scenarios by looking at the total of the values of your accounts at the end of your study period. When doing this, do you use just use the account balances in the traditional IRAs or do you discount these IRA amoun...
by earlyout
Wed Jun 19, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: How to take care of this mold in the bathroom
Replies: 8
Views: 1243

Re: How to take care of this mold in the bathroom

1. Find and fix where water is getting from the shower to the wall/baseboard. 2. Remove old caulk where the shower door frame meets the wall and where it sits on the shower tray. 2. Remove the damaged/rotted base trim on the damaged wall, clean and repair the wall, install new trim along the wall, r...
by earlyout
Tue Jun 11, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: How best to give broker payment to get apartment and win a race
Replies: 14
Views: 1483

Re: How best to give broker payment to get apartment and win a race

I wanted to pay someone $4500 in a hurry recently and used Zelle. Even though the limit on a Zelle payment at my bank (Wells Fargo) is $2500 I found that if I could send an "expedited" payment for $2100 and a "pay now" payment for $2400 within minutes of each other. Don't know if that will still wor...
by earlyout
Mon May 27, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Blended Family Issues and Keeping Things Equal
Replies: 38
Views: 3553

Re: Blended Family Issues and Keeping Things Equal

And for the sake of your relationship, make sure you discuss all of this with your wife.
by earlyout
Sun May 19, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security replacement annuity -- Is there such a product?
Replies: 64
Views: 5299

Re: Social Security replacement annuity -- Is there such a product?

Perhaps, at the death of the first spouse, purchase an annuity to provide the lifetime income needed or desired. This. With what money? I thought it was obvious, but I was looking for a solution that hedged or transferred risk (in exchange for an up-front premium). You know, like insurance. Unless ...
by earlyout
Sun May 19, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 58427

Re: Selling Home: Demanding Buyer Part 2 (picture)

The buyer thinks it is a problem and wants to get it checked out. If I were selling the house I would do what the buyer asks. If the sale falls through, the next potential buyer may request the same thing since it looks like an obvious problem. (It may be as simple as a little emory cloth and a can ...