Search found 425 matches

by barefootjan
Sat Feb 20, 2021 6:51 pm
Forum: Personal Consumer Issues
Topic: Google Chrome security risk?
Replies: 18
Views: 2292

In terms of browser extensions: Generally, signed extensions with sources one knows about, Apple, MS, amzn, intel etc are ok. After that, unsigned extensions are prey for googling. Do you really want avast or whatever looking at and uploading all of your browsing behavior? And yes, poorly written e...
by barefootjan
Sat Feb 20, 2021 12:58 am
Forum: Personal Consumer Issues
Topic: Google Chrome security risk?
Replies: 18
Views: 2292

BTW if you are using Windows (don't know about Mac), I highly recommend using autoruns from Microsoft to find random browser extensions and a host of crapware that runs automatically on login. You'd be surprised how much there is. Generally, people are way more at risk from such BHEs than anything ...
by barefootjan
Tue Feb 16, 2021 8:45 pm
Forum: Personal Consumer Issues
Topic: Google Chrome security risk?
Replies: 18
Views: 2292

Yep. It was from a third party password manager. :oops: It took some digging but I found a way to make it stop. Thanks, guys!
by barefootjan
Tue Jan 19, 2021 1:34 am
Forum: Personal Consumer Issues
Topic: Google Chrome security risk?
Replies: 18
Views: 2292

I think what Google Chrome does is different than what your Google Account does. Agreed. For instance, you can log into more than one Gmail account while you are in signed in to the Chrome browser, which is convenient - unless that means your password is being exposed! This is the page I'm trying t...
by barefootjan
Tue Jan 19, 2021 1:26 am
Forum: Personal Consumer Issues
Topic: Google Chrome security risk?
Replies: 18
Views: 2292

I have Google set to not save passwords, and there were no saved passwords when I checked. :confused
by barefootjan
Tue Jan 19, 2021 1:20 am
Forum: Personal Consumer Issues
Topic: Google Chrome security risk?
Replies: 18
Views: 2292

Google Chrome security risk?

For those of you that use a Google Chrome account to sync across devices: I recently discovered, when I tried to create a new gmail account, that the password field on the sign up page was pre-filled with my actual Google password! :oops: Why would Google expose user's passwords like that?! I tried ...
by barefootjan
Tue Dec 15, 2020 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Options for health insurance
Replies: 6
Views: 523

An ACA plan might be an option, although as mentioned above time is almost up to apply for next year. How bad is the employer plan? More than 10% of income for self only? How many employees? Frankly, most unsubsidized (by government or employer) insurance can be difficult for many to afford so it w...
by barefootjan
Tue Dec 15, 2020 12:19 am
Forum: Personal Finance (Not Investing)
Topic: New neighbor interested in buying our home too
Replies: 49
Views: 6459

hand wrote: Mon Dec 14, 2020 7:22 pm Find an alternate house you'd be happy(ier) with, determine cost to purchase and move... That is your asking price.
:beer
Cuts right to the heart of the matter.
+1
by barefootjan
Tue Dec 15, 2020 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Options for health insurance
Replies: 6
Views: 523

Yes but that didn't pan out.
by barefootjan
Mon Dec 14, 2020 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Options for health insurance
Replies: 6
Views: 523

Options for health insurance

What are the options for affordable health insurance in Texas if your employer-provided plan is more than you can afford?
by barefootjan
Tue Dec 08, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Post-death financial plan for Mom - Really need some advice
Replies: 18
Views: 2020

Re. taxes going forward. 100% of her Social Security will not be taxable. There are various cliffs. 0%, 50% and 85% From https://www.ssa.gov/benefits/retirement/planner/taxes.html "You will pay tax on only 85 percent of your Social Security benefits, based on Internal Revenue Service (IRS) rul...
by barefootjan
Thu Dec 03, 2020 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on tax withholding
Replies: 5
Views: 541

Have you already checked to see if any of the exceptions to paying the penalty apply in your situation? Just one example from the H&R Block link (below): "There are exceptions to the penalty and situations where the penalty wouldn’t apply, including: The total of your withholding and estima...
by barefootjan
Tue Dec 01, 2020 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion over age 65 - this year or next?
Replies: 23
Views: 2024

Practically, you want to spread out the conversion over time to minimize your marginal tax rate each year. For example, you want to convert $50,000 each year for 10 years rather than convert $500,000 in one year. The four confounding factors are: Tax rate sunsetting in 2026, Medicare IRMAA (two yea...
by barefootjan
Tue Dec 01, 2020 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion over age 65 - this year or next?
Replies: 23
Views: 2024

To answer your question with limited info, there is a significant advantage for many to convert some funds to ROTH in 2020. Timing is critical and taking advantage of an additional year can be very useful. A consideration in the lower tax brackets... Convert as much such that you do not find yourse...
by barefootjan
Tue Dec 01, 2020 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion over age 65 - this year or next?
Replies: 23
Views: 2024

fundseeker wrote: Sat Nov 28, 2020 10:04 pm Shouldn't Said individual go ahead and prepare his/her tax returns for next year to determine, before year end, how much room he/she has up to the next bracket?
Yes, I agree. Thank you! :beer
by barefootjan
Tue Dec 01, 2020 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion over age 65 - this year or next?
Replies: 23
Views: 2024

Thank you for all the replies, I really appreciate it. One advantage to converting part of the TIRA in 2020 instead of 2021 would be to start the 5-year clock on Jan 1, 2020 instead of Jan 1, 2021, assuming the individual doesn't already have a Roth account. OK so if I'm understanding you correctly...
by barefootjan
Tue Dec 01, 2020 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion over age 65 - this year or next?
Replies: 23
Views: 2024

I am not going to make you work as hard as FiveK though I do think you should review the article FiveK linked. :happy Assume a 65 year old ( or anyone over 59.5 yrs old) converts $10,000 to a new Roth IRA in December of 2020. This is the very first Roth they have ever had. The Roth IRA would not be...
by barefootjan
Tue Dec 01, 2020 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion over age 65 - this year or next?
Replies: 23
Views: 2024

See Roth Distributions , and Two 5-Year Rules For Roth IRA Contributions & Conversions . It depends.... Still not sure I'm getting it. We have an individual who is over 65 yrs old . Let's say they open their first Roth IRA ever on December 15, 2020 with $10K from their Traditional IRA. One mont...
by barefootjan
Tue Dec 01, 2020 10:25 pm
Forum: Personal Investments
Topic: Can't do Roth conversions because of ACA
Replies: 67
Views: 3993

Re: Can't do Roth conversions because of ACA

I was trying to compare ACA plans at different income levels because I would like to start doing Roth conversions. From what I can see it makes no sense to do Roth conversions with the current healthcare plans. What I'm seeing is if I have an income of $17,240 with my wife taking her Medicare that ...
by barefootjan
Mon Nov 30, 2020 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion over age 65 - this year or next?
Replies: 23
Views: 2024

I am not going to make you work as hard as FiveK though I do think you should review the article FiveK linked. :happy Assume a 65 year old ( or anyone over 59.5 yrs old) converts $10,000 to a new Roth IRA in December of 2020. This is the very first Roth they have ever had. The Roth IRA would not be...
by barefootjan
Mon Nov 30, 2020 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion over age 65 - this year or next?
Replies: 23
Views: 2024

See Roth Distributions , and Two 5-Year Rules For Roth IRA Contributions & Conversions . It depends.... Still not sure I'm getting it. We have an individual who is over 65 yrs old . Let's say they open their first Roth IRA ever on December 15, 2020 with $10K from their Traditional IRA. One mont...
by barefootjan
Mon Nov 30, 2020 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion over age 65 - this year or next?
Replies: 23
Views: 2024

Thank you for all the replies, I really appreciate it. One advantage to converting part of the TIRA in 2020 instead of 2021 would be to start the 5-year clock on Jan 1, 2020 instead of Jan 1, 2021, assuming the individual doesn't already have a Roth account. OK so if I'm understanding you correctly,...
by barefootjan
Sat Nov 28, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion over age 65 - this year or next?
Replies: 23
Views: 2024

Roth conversion over age 65 - this year or next?

Suppose an individual is well past the age where an early withdrawal from a Traditional IRA would have been penalized. Said individual wants to convert a TIRA to a Roth IRA. Is there any advantage (or disadvantage??) to beginning that conversion before the end of 2020, as opposed to waiting until 20...
by barefootjan
Sun Nov 22, 2020 5:32 pm
Forum: Personal Investments
Topic: "OSIFs"
Replies: 3
Views: 2482

deleted (not actionable)
by barefootjan
Tue Oct 27, 2020 5:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 604
Views: 128330

Oh no. It's been a few weeks since anyone's said how wonderful Wellesley Income is. Has something bad happened? :wink: I'm just kidding LOL. But I do have a question: is there a fairly reliable/reasonable way to estimate what the upcoming capital gains distributions might be ahead of time - say, 2 ...
by barefootjan
Tue Oct 27, 2020 4:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 604
Views: 128330

Oh no. It's been a few weeks since anyone's said how wonderful Wellesley Income is. Has something bad happened? :wink: I'm just kidding LOL. But I do have a question: is there a fairly reliable/reasonable way to estimate what the upcoming capital gains distributions might be ahead of time - say, 2 t...
by barefootjan
Tue Jul 28, 2020 3:26 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Alternative?
Replies: 65
Views: 8953

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by barefootjan
Sun Jul 12, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: Basic eBay Questions - New to eBay
Replies: 97
Views: 5175

As being new to eBay, first buy some low cost items to establish a rating. Sell a few low cost items to build on the rating. I wouldn't bother with this. Everyone on ebay started off with zero feedback. If the item is described well and priced well then it will attract buyers. +1. Paying promptly f...
by barefootjan
Sun Jul 05, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Have a Cellphone for emergency use only?
Replies: 54
Views: 3729

Has anyone else mentioned Page Plus? https://www.pagepluscellular.com/
by barefootjan
Sun Jul 05, 2020 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with all this MONEY ?
Replies: 201
Views: 21476

Re: What to do with all this MONEY ?

If I was sure I had way more money than I needed, I'd want to leave my kids with something I can only dream of at this point: real hope that they and their children will have a habitable place to live. This needs to be raised more. We're seeing this in certain Asian countries where it is virtually ...
by barefootjan
Sat Jul 04, 2020 12:08 am
Forum: Personal Finance (Not Investing)
Topic: What to do with all this MONEY ?
Replies: 201
Views: 21476

Re: What to do with all this MONEY ?

...How do you feel about leaving inheritances ? I will be thankful of any thing I can learn from the Forum, thanks in advance It looks like you have almost everything figured out, but you're trying to decide about leaving money to the kids...? If that's the case, here are my thoughts (FWIW) If I wa...
by barefootjan
Mon Jun 29, 2020 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Selling investments: get hit by market declines or by taxes?
Replies: 10
Views: 1275

Thank you both for sharing those links. As far as I can tell, I'm only missing one of the data points: I don't know the 2020 premium of the "second lowest cost silver plan." You could get a 2020 estimate at Premium Tax Credit Change Estimator . Five K I can't thank you enough for that lin...
by barefootjan
Fri Jun 26, 2020 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: IRS broadens rollover options for 2020 RMD distributions
Replies: 47
Views: 3352

After I read this thread and a related article on Forbes, I called Vanguard to ask that my 2020 inherited IRA distribution be rolled back. At first the employee didn't think I could do it, but I mentioned that the IRS updated its policy recently. I was put on hold for a little while and when the re...
by barefootjan
Thu Jun 25, 2020 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Rolling back RMDs taken at the beginning of 2020
Replies: 4
Views: 246

Thank you so much Alan!
by barefootjan
Thu Jun 25, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Rolling back RMDs taken at the beginning of 2020
Replies: 4
Views: 246

Just saw this article and would like some confirmation. It says the IRS has extended the time you have to roll-back your 2019 RMD. https://www.marketwatch.com/story/do-you-regret-taking-a-distribution-from-your-retirement-plans-the-irs-says-you-can-give-it-back-11593017937?mod=home-page Also - It's...
by barefootjan
Thu Jun 25, 2020 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Rolling back RMDs taken at the beginning of 2020
Replies: 4
Views: 246

Rolling back RMDs taken at the beginning of 2020

Just saw this article and would like some confirmation. It says the IRS has extended the time you have to roll-back your 2019 RMD. https://www.marketwatch.com/story/do-you-regret-taking-a-distribution-from-your-retirement-plans-the-irs-says-you-can-give-it-back-11593017937?mod=home-page Also - It's ...
by barefootjan
Mon Jun 22, 2020 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Selling investments: get hit by market declines or by taxes?
Replies: 10
Views: 1275

Based on our income, we'd pay no tax on that gain. BUT, it would raise our MAGI, and that could be a problem. How much of a problem, I don't know. There are ways to find out. E.g., see Tax Calculator With ACA/Obamacare Health Insurance Subsidy . The article title says 2019 but the approach will wor...
by barefootjan
Mon Jun 22, 2020 2:19 am
Forum: Personal Finance (Not Investing)
Topic: Selling investments: get hit by market declines or by taxes?
Replies: 10
Views: 1275

Selling investments: get hit by market declines or by taxes?

After much discussion, my husband & I ultimately decided that it makes more sense to pay off our mortgage than to try to re-finance it. Well, my husband decided, and I relented. :P Part of the reason for my foot-dragging is that we'll have to sell some investments to pay off the balance. For exa...
by barefootjan
Wed May 13, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Selling an investment - how do you choose?
Replies: 1
Views: 169

Selling an investment - how do you choose?

Please walk me through this. I think I know the answer but want to make sure I'm not missing something. Let's say I bought shares of "Mutual Fund A" fifteen years ago, and some years later my husband bought shares of the exact same fund. However, since one of us bought at a higher price th...
by barefootjan
Mon Apr 20, 2020 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 26151

Has anyone who regularly snail-mails in their tax returns been able to confirm their payment status yet? Especially those who never get refunds? I'm suspecting that the IRS hasn't even processed all (or any?) of last year's 2018 snail-mailed paper returns yet. Thus they can't determine eligibility ...
by barefootjan
Wed Apr 15, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 30309

Out of curiosity, has any one on Social Security received their payment? I had read that SS recipients were to get theirs next week. I would like to know this as well, but directed more specifically to anyone who is on social security, but who did not have their tax refund directly deposited. If th...
by barefootjan
Wed Apr 15, 2020 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 30309

Out of curiosity, has any one on Social Security received their payment? I had read that SS recipients were to get theirs next week. I would like to know this as well, but directed more specifically to anyone who is on social security, but who did not have their tax refund directly deposited. If th...
by barefootjan
Wed Apr 15, 2020 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 30309

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by barefootjan
Sun Mar 29, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: “Courage! We have been here before”
Replies: 20
Views: 2246

Don't forget the cold war, and practicing hiding under our desks in case an atom bomb went off... Yeah, that would have helped :-) Funny you should mention it, I saw an old Bert the turtle video the other day and couldn't help wondering, was (or is) "Duck & Cover" good advice? The ans...
by barefootjan
Tue Jan 14, 2020 3:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 604
Views: 128330

Why are so many Bogleheads fascinated enough to invest in an actively managed fund? Why do Wellesley and Wellington seemingly get a free pass, where past performance DOES matter? Imagine the responses if someone started a thread, "[Any other actively managed fund] is incredible." What hap...
by barefootjan
Tue Sep 03, 2019 12:27 am
Forum: Personal Finance (Not Investing)
Topic: I'm looking for your help figuring out how to help my Mom
Replies: 29
Views: 3186

My gut tells me that you're much more comfortable living frugally than you are dealing with wealth. You just hit your [whatever amount feels like a lot] goal and now it's kind of burning a hole in your pocket. :wink: You sincerely want to be financially secure (even though you're not really sure wha...
by barefootjan
Mon Sep 02, 2019 12:49 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1503
Views: 178593

I packed up all my things and put them in a storage unit. Got rid of all rent and utility payments. Moved my family in with the in-laws and deployed to a 3rd world country were I would have pretty much zero expenses...... The little things add up. :| I like to stretch a dollar as much as the next f...