Search found 76 matches

by NoblesvilleIN
Mon Nov 11, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: What is this sound in the house?
Replies: 28
Views: 3182

Re: What is this sound in the house?

Do you have a gutter close to where you are hearing the sound? We have had birds sit in our gutters and their movement (wings flapping, walking) sometimes makes a noise that we can hear inside. Also, we had one gutter that was a bit loose and in certain wind conditions would make a noise in the hous...
by NoblesvilleIN
Sun Nov 03, 2019 11:06 am
Forum: Personal Investments
Topic: Monthly Dividends
Replies: 16
Views: 2167

Re: Monthly Dividends

I'm not entering into the eternal discussion of dividends vs total return. The following is something to think about if you are investing for dividends. I have investments that pay monthly (a couple of CDs), quarterly (most of my individual stocks), semi-annually (some of my international stocks), a...
by NoblesvilleIN
Fri Nov 01, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: ACA over the MAGI cliff! does it really matter?
Replies: 10
Views: 1711

Re: ACA over the MAGI cliff! does it really matter?

Is your ACA plan HDHP and eligible for an HSA contribution? For married-filing jointly and over 55, we are able to contribute $8,000 to our HSA this year and reduce our MAGI income by the $8,000. I think next year it goes up by $100. If your investment gain is not going to be that large, this might ...
by NoblesvilleIN
Wed Oct 30, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: 15 vs 20 year term life???
Replies: 33
Views: 2276

Re: 15 vs 20 year term life???

We went with a 15-year policy when we had our first child (and also were having our current house built). When it expired (oldest was 15, youngest was 13, house was well on the way to being paid off), we purchased a 10-year term with no intention of keeping it for the full 10 years. We cancelled it ...
by NoblesvilleIN
Thu Oct 24, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: ACA 2020 pricing [What's your 2020 pricing?]
Replies: 38
Views: 4016

Re: ACA 2020 pricing [What's your 2020 pricing?]

For those seeing next years prices for ACA policies, where on the healthcare.gov site are you looking? I logged on to my account today based on seeing this thread and struck out. It just says that shortly before Nov. 1, we should see the new offerings. I'm in Indiana, do other states using the feder...
by NoblesvilleIN
Wed Oct 23, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Enlarge shower to include bench, walk-in tub, or both?
Replies: 40
Views: 2632

Re: Enlarge shower to include bench, walk-in tub, or both?

Since you have long experience with mobility issues, you probably have already thought of this, but I'll mention it anyway. Place the shower controls where a helper can reach them from outside the shower and are also convenient for the user to reach while in the shower (possibly sitting). A few year...
by NoblesvilleIN
Mon Oct 21, 2019 12:12 pm
Forum: Personal Investments
Topic: Fidelity HSA questions
Replies: 32
Views: 2418

Re: Fidelity HSA questions

tfb » Mon Oct 21, 2019 11:39 am NoblesvilleIN wrote: ↑Mon Oct 21, 2019 10:21 am I'm not sure of your aversion to debit cards, but this has worked for me. Sometimes the amount gets adjusted. If you are paying at the time of service and it turns out to be an overpayment, getting the money back to the...
by NoblesvilleIN
Mon Oct 21, 2019 9:21 am
Forum: Personal Investments
Topic: Fidelity HSA questions
Replies: 32
Views: 2418

Re: Fidelity HSA questions

I moved my HSA to Fidelity a couple of years ago when the company I was working for changed providers (to Fidelity) and again in January of this year after I retired (the company sold the division I worked for in July 2019 and the new company used a different provider). I only worked 6 months for th...
by NoblesvilleIN
Mon Oct 21, 2019 8:57 am
Forum: Personal Investments
Topic: individual stocks performance vs ETF
Replies: 14
Views: 1302

Re: individual stocks performance vs ETF

I also own individual stocks in my taxable account. My goal with them is income (dividends) without selling. But I also have to be honest and make sure that I'm not deluding myself. To that end, I built a spreadsheet last June (end of 2nd quarter), comparing the stocks I own to SPY. Why SPY? There i...
by NoblesvilleIN
Wed Oct 09, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: What does the portfolio one day movement tells you ?
Replies: 11
Views: 991

Re: What does the portfolio one day movement tells you ?

On up days, my wife holds out her hand and says "show me the money" or "it's not in MY bank account yet, is it?". On down days, she fires me. I can't win. :) Our account can, has, and I assume will continue to fluctuate greatly on some days, less on others. Once you get close to "enough", large doll...
by NoblesvilleIN
Wed Oct 02, 2019 6:05 pm
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9674

Re: Retirees - do you hold extra cash for a bear market?

by pascalwager » Tue Oct 01, 2019 3:55 pm If you don't rebalance, how will you keep the portfolio at your desired risk level? If stocks do poorly one year (I don't mean a crash), you may need to sell fixed income and buy more stocks to maintain your AA. Otherwise, you begin to treat your fixed inco...
by NoblesvilleIN
Tue Oct 01, 2019 12:13 pm
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9674

Re: Retirees - do you hold extra cash for a bear market?

willthrill81, I'm derailing this thread just a little bit. Is there really that much difference in rates from a website/bank than what I see at Fidelity? This morning, the best 2-year rate for a callable CD is 1.9% and for call protected it is 1.85%. Back in mid September, I rolled a 2-year CD and w...
by NoblesvilleIN
Tue Oct 01, 2019 8:51 am
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9674

Re: Retirees - do you hold extra cash for a bear market?

Post by pascalwager » Tue Oct 01, 2019 12:20 am When you say "X years of expenses", that implies being external to your portfolio and not part of the rebalancing process. Being a part of your portfolio means that the cash is not X years of expenses, but rather some fixed percentage of your portfoli...
by NoblesvilleIN
Mon Sep 30, 2019 7:36 pm
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9674

Re: Retirees - do you hold extra cash for a bear market?

The intent of the CDs, MM, and treasury funds is not to optimize, it is to sleep well and prevent bad behavior (selling equities in a down market as a panicked reaction). I do not consider the X years of expenses to be external to my portfolio, but part of the fixed income allocation.
by NoblesvilleIN
Mon Sep 30, 2019 12:16 pm
Forum: Personal Investments
Topic: Brokerage Account Investing Questions
Replies: 9
Views: 782

Re: Brokerage Account Investing Questions

I'll take a stab at some of your questions. 1) Should I avoid buying bond funds in the brokerage account due to taxes on dividend payouts? In other words, would it be better to leave the bond funds (and other higher dividend paying funds) in my IRA and focus on lower dividend stock funds in the brok...
by NoblesvilleIN
Sat Sep 28, 2019 12:34 pm
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9674

Re: Retirees - do you hold extra cash for a bear market?

From the context of the OP, I am assuming that you mean holding cash to keep from selling equities when they are low and not the idea of "dry powder" to purchase equities when they are low. I am getting ready to start month 10 of my retirement and DW is still working (until the end of this year), so...
by NoblesvilleIN
Sun Sep 22, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Stump Grinder - Ridiculous Side Hustle??
Replies: 51
Views: 7387

Re: Stump Grinder - Ridiculous Side Hustle??

I agree with Stealthrabbit. I researched a couple of years ago purchasing a PTO stump grinder for our utility tractor. Looking at tractor forums, the consensus is that they are very hard on tractors (vibration damage). I decided that I would let most of the stumps on our property rot and possibly re...
by NoblesvilleIN
Sun Sep 22, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: live close to construction, air purifier recommendation?
Replies: 24
Views: 1892

Re: live close to construction, air purifier recommendation?

Do you live in a state with a "fugitive dust rule"? Many years ago, a sub-division was being built next to us and we were getting enough dust that it wasn't pleasant to be outside. A call to the developer and a complaint to the state's environmental department and the developer started spraying wate...
by NoblesvilleIN
Tue Sep 17, 2019 9:43 am
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 77
Views: 6312

Re: Spreadsheets

I have two spreadsheets. One is a single tab that gets updated on January 1st each year that tracks our progress. The top section has a row for each account (taxable, my IRA, her IRA, checking, saving, ESPP (when I was working), etc.). It lists the value of each account on 12/31/xx. The bottom secti...
by NoblesvilleIN
Mon Sep 16, 2019 9:32 am
Forum: Personal Investments
Topic: wisdom of moving a CD ladder
Replies: 5
Views: 846

Re: wisdom of moving a CD ladder

I have my CD ladder at Fidelity (a brokerage). A nice thing about a brokerage is that they offer CD's from various institutions. I simply look for the highest rate in the tier (1-year, 18-month, 2-year, etc.) that I am interested. Currently I have CD's from Goldman Sachs, Morgan Stanley, and Wells F...
by NoblesvilleIN
Mon Sep 16, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Do I Need a Real Estate Agent if Building a Home?
Replies: 14
Views: 1803

Re: Do I Need a Real Estate Agent if Building a Home?

About 30 years ago we had a house built on land (not a lot) that we had purchased the prior year. A realtor was involved in the purchase of the land, but not in the building of the house. So the commission was on the land price. The title work was based on unimproved land. At that time, you could pu...
by NoblesvilleIN
Sun Sep 15, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: DCRA Reimbursement for Grandparent Watching Our Child
Replies: 1
Views: 272

Re: DCRA Reimbursement for Grandparent Watching Our Child

My answer is based on what we did 20 years ago with our children. Rules might have changed since then. We paid MIL to watch kids in her home using Dependent Care set aside funds. Company required MIL's SSN for reimbursement, so I assumed they reported it to IRS. MIL declared it as income on her taxe...
by NoblesvilleIN
Sun Sep 01, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Share your Best Barter
Replies: 17
Views: 1466

Re: Share your Best Barter

I've had an ongoing one with a neighbor for many years. He has a horse or two and hay equipment, but no hay field. I have llamas and a hay field, but no hay equipment. He cuts and bales my field and drops enough bales for my winter needs and keeps the rest for his horses. Works out well for both of ...
by NoblesvilleIN
Tue Aug 13, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Doing your own taxes with a taxable account.
Replies: 9
Views: 1197

Re: Doing your own taxes with a taxable account.

The other thing to keep in mind is that you won't be doing your taxes on February 1st anymore as you typically can with just W-2 income. The earliest that Fidelity provides the 1099 is 2/15. However, because of one investment that I have in my taxable, I normally don't get my 1099 until March 15th. ...
by NoblesvilleIN
Thu Aug 01, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: What to look for when buying vacant land?
Replies: 10
Views: 1475

Re: What to look for when buying vacant land?

If the property you're looking at is currently agriculture (and probably also even if it's not), look to see if there is a county drain easement and what watershed the property is in. In Indiana (outside city limits), the property owners on a watershed pay for the maintenance of the common drain. Al...
by NoblesvilleIN
Sun Jul 28, 2019 10:08 pm
Forum: Investing - Theory, News & General
Topic: What's the equivalent of the Bogleheads community for value investing?
Replies: 9
Views: 1555

Re: What's the equivalent of the Bogleheads community for value investing?

I migrated to Bogleheads from Seeking Alpha a couple of years ago. That site used to have multiple articles on their dividend tab that I found very useful. However, many of the articles are now behind a paywall and also it seems that more of the articles are stock touting rather than thoughtful. I s...
by NoblesvilleIN
Thu Jul 18, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 113
Views: 10876

Re: Gardening 2019

F150HD » Thu Jul 18, 2019 10:41 am what are folks w/ large yards doing for Japanese Beetles chewing up leaves & greenery? We mow about 3 acres of our 14. Japanese Beetles seem to attack my fruit trees (apples, peaches); my son's grapes (90 vines); and my asparagus. They pretty much leave the rest a...
by NoblesvilleIN
Mon Jul 15, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: student credit card - best time to apply?
Replies: 8
Views: 504

Re: student credit card - best time to apply?

On the assumption that you are still supplying at least some financial support to your son, why not cosign for a Capital One (or other no foreign fee card) with a low limit? While this doesn't fully apply to your situation (my kids studied in the US), I got each kid a credit card from our local bank...
by NoblesvilleIN
Sun Jun 30, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Taking the Foot off the Gas Pedal
Replies: 20
Views: 3422

Re: Taking the Foot off the Gas Pedal

Realize that staying under the ACA "Cliff" will put a real damper on what you can convert to a Roth. We are currently staying under the cliff and it is preventing any conversions prior to Medicare.
by NoblesvilleIN
Mon Jun 24, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Clearing undergrowth and bush
Replies: 37
Views: 2631

Re: Clearing undergrowth and bush

I'm 61, but don't have back issues (usually). Check into ratcheting long handled pruners if you are leery of chainsaws. I bought a pair of ratcheting pruners a couple of years ago and they are much easier on my back than regular long handled pruners. I use both (chainsaw and long handled ratcheting ...
by NoblesvilleIN
Tue Jun 18, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Life after COBRA - selecting new health insurance
Replies: 37
Views: 3470

Re: Life after COBRA - selecting new health insurance

You might also want to look at reviews for the ACA providers offering plans in your area. In my area, there were many plans (multiple bronze, silver, and gold), but only two actual providers offering the different plans. One provider had really terrible reviews about delaying and refusing payments a...
by NoblesvilleIN
Sun Jun 16, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Short-term money needs for Executor of Estate
Replies: 57
Views: 4404

Re: Short-term money needs for Executor of Estate

I was the executor for my parent's estate. When my mother passed, my dad was worried about how to pay for the funeral because he had most of their money in CD's and did not want to break one early. My brother and I both offered to front dad the money (me from our HELC, brother from his checking acco...
by NoblesvilleIN
Sat Jun 08, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Land Property Survey...how to decipher
Replies: 13
Views: 1167

Re: Land Property Survey...how to decipher

Here is what we did on our property years ago. I wanted to place a line of spruce trees 10' inside the property line to give me a future screen from the field behind us (owned by a developer). You could do something similar and be accurate enough to post your property, if your property is relatively...
by NoblesvilleIN
Thu Jun 06, 2019 3:04 pm
Forum: Personal Investments
Topic: anybody use Fidelity CD ladders?
Replies: 8
Views: 1954

Re: anybody use Fidelity CD ladders?

My CD's purchased thru Fidelity have the interest going to my settlement account (SPAXX in my case). I built my initial 2-yr CD ladder thru the tool and now as a CD matures, I just purchase a new 2-year CD that has the highest rate (and is call protected). You may need to look at your individual CD'...
by NoblesvilleIN
Sat Jun 01, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Autos and transportation near retirement
Replies: 33
Views: 2316

Re: Autos and transportation near retirement

Similar to you, we have a small farm that we have owned for close to 30 years. I have planted a couple hundred deciduous trees and 3000+ conifers over the years, so I get what you are saying about not wanting to move. I retired 5 months ago and I am finding that I'm only driving 2 or 3 days a week b...
by NoblesvilleIN
Fri May 24, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Keeping old negatives from photos (why keep them?)
Replies: 26
Views: 2347

Re: Keeping old negatives from photos (why keep them?)

Thank you all for your posts and thoughts. I think I'll check into a negative scanner and see what's involved.
by NoblesvilleIN
Thu May 23, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Keeping old negatives from photos (why keep them?)
Replies: 26
Views: 2347

Keeping old negatives from photos (why keep them?)

Are there reasons for holding on to old 35 mm negatives? We have probably 30 years worth of old 35 mm pictures and negatives that we occasionally go thru (DW is looking for baby and middle school pictures of our daughter for her upcoming wedding). We have never had a photo printed from an old negati...
by NoblesvilleIN
Tue May 21, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 113
Views: 10876

Re: Gardening 2019

"by protagonist » Tue May 21, 2019 12:50 pm What is the best gardening forum to ask questions (such as mine above) on the web?" Take a look at the National Gardening Association forums. I don't post there, but I have browsed their forums when I have had a question. https://garden.org/forums/ Years a...
by NoblesvilleIN
Thu May 16, 2019 7:56 am
Forum: Personal Investments
Topic: Income stream post retirement.
Replies: 35
Views: 3484

Re: Income stream post retirement.

I'm 61 (only 5 months into retirement), DW is 54 (and still working). Disclaimer - I am comfortable with owning individual stocks and CD's, I am not comfortable selling stocks to generate cash. I do have index funds also. Several years before I retired, I started tracking the income from our investm...
by NoblesvilleIN
Tue Apr 16, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Having Trouble with PNC?
Replies: 21
Views: 2530

Re: Anyone Having Trouble with PNC?

My wife got the email today and had issues changing our user id and password - we share the login, but use her email as the contact. After a few tries, the website told her that the next try would lock things up. I tried on my laptop when she got home and was able to keep the userid and changed the ...
by NoblesvilleIN
Wed Apr 10, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: How to finish wall
Replies: 5
Views: 828

Re: How to finish wall

Do you even need insulation for the bottom of that wall? I'm assuming that your basement is below grade and that 2 feet or so is well below your frost line. I'm guessing that there is little heat value for insulating that portion and leaving it out would reduce the chance of moisture being held behi...
by NoblesvilleIN
Fri Mar 22, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Selling land - best approach?
Replies: 15
Views: 1429

Re: Selling land - best approach?

I'm guessing that the land developing 2 miles away has access to sewers and water. Does your friend's property have that access? If it is currently farmland, I would be very surprised if sewers are close. In my area, to get sewers, the property must be annexed into a city. To get annexed, a property...
by NoblesvilleIN
Fri Mar 22, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Line of Credit as Emergency Fund
Replies: 21
Views: 1173

Re: Line of Credit as Emergency Fund

In my opinion (and experience), a HELC can be a very useful tool. I/we have had a HELC at various local banks and CU's for over 30 years. Most have had a 10 year draw period and then some sort of amortization period. I say "some sort of amortization period" because we've never gone beyond the draw p...
by NoblesvilleIN
Sun Mar 17, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Buy a previous loaner car
Replies: 20
Views: 1705

Re: Buy a previous loaner car

In 2014, I bought a loaner mini-cooper (2013) with about 2,500 miles on it. All-in-all, I have been pleased. The car did not seem to have been driven hard (it is a 2-seat coupe (think min-cooper sports car)). It does call for premium fuel and that has led to buyer's remorse for me every time I fill ...
by NoblesvilleIN
Mon Mar 04, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Large One-Time Expenditures in Retirement
Replies: 24
Views: 2671

Re: Large One-Time Expenditures in Retirement

We have a HELC at a local bank (current loan balance is $0) for these type of items. In the past, we have used it for purchasing a couple of cars where the dealer wanted certified funds - we then paid it back by transferring funds from the investment accounts (these were planned and accounted for a ...
by NoblesvilleIN
Mon Mar 04, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Snowblowers
Replies: 44
Views: 2266

Re: Snowblowers

What about a different take on snowblowers? With a longer drive, do your parents have a yard large enough that they also have a riding lawn mower or garden tractor? Could that riding lawn mower have a front mount snowblower attachment available? That way, there is one less engine to maintain; its an...
by NoblesvilleIN
Sun Feb 24, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Lot to Build a home ahead of time.
Replies: 4
Views: 714

Re: Buying a Lot to Build a home ahead of time.

This may or may not help you. We bought land (10+ acres) about a year before we built (bought in '91, built in '92).2 When we got the construction loan, we used the land as the down payment. The bank used the land as collateral. The bank was locally owned and we then got a regular mortgage with 20% ...
by NoblesvilleIN
Mon Feb 11, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Should/Could I semi-retire now, and question about medical insurance until 65?
Replies: 18
Views: 1459

Re: Should/Could I semi-retire now, and question about medical insurance until 65?

Do you have the option to go part-time at your current company and still keep your health insurance? That is what I did for 3 years prior to fully retiring December 31st. The company I worked for offered health insurance as long as you worked 24 hours or more per week (scheduled). I decided that 27 ...
by NoblesvilleIN
Sat Feb 02, 2019 8:47 am
Forum: Personal Investments
Topic: What do wise people do with 401(k) balances?
Replies: 35
Views: 4847

Re: What do wise people do with 401(k) balances?

As you get closer to retirement, also look at your plan's rules for distribution. I found that the company (large national) I retired from "discouraged" regular distributions by limiting withdrawals to either 1 per year or 1 per life (I don't remember which). I had to roll my 401k to my IRA in order...