Search found 898 matches

by montanagirl
Wed May 16, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: How to estimate Social Security early retirement ? 55 ys?
Replies: 20
Views: 2107

Re: How to estimate Social Security early retirement ? 55 ys?

You used to be able to do this at the SSA.gov site. Get the main estimate, then ask for additional estimates and enter 0 for succeeding years.

Has this changed? It doesn't work for me anymore because I get spousal.
by montanagirl
Mon May 14, 2018 9:29 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8698

Re: The front page is ugly

We talking about bogleheads.org? Yeah don't change a thing. Works great on a mobile and ok on the desktop too.

I am so tired of slow, clunky, heavy web sites that reload every time you enter or click on something. Looking at you, Vanguard! And my bank, and Amazon, and every other "modern" site.
by montanagirl
Wed May 09, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 38
Views: 2721

Re: What is your favorite reasonably priced Rum?

JBTX wrote:
Fri Mar 16, 2018 4:52 pm
Probably doesn’t meet the snob appeal test but DW and I both like Captain Morgan
Sailor Jerry's is similar and less expensive.
by montanagirl
Wed May 09, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Gas Fireplace - Shut off pilot light during warm months??
Replies: 33
Views: 28200

Re: Gas Fireplace - Shut off pilot light during warm months??

We turn ours off because it generates noticeable heat. I don't like running the a/c any more than we have to.
by montanagirl
Mon May 07, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16015

Re: most compelling TV character ever

Nelson Muntz.

His gifs will live forever.
by montanagirl
Thu May 03, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Help me choose a second computer monitor
Replies: 18
Views: 1229

Re: Help me choose a second computer monitor

I had the DP port problem too but found out about an adapter that lets you plug a second display in using a different standard. It's called a J5create and I got it at Amazon for about $35. I connect the second display to a USB port in the front of my CPU box. So now I am able to use two low-end Dell...
by montanagirl
Wed May 02, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: knee replacement - materials? [edited]
Replies: 9
Views: 824

Re: knee replacement - materials?

I'm asking for product advice from other consumers of TKR. I read another thread here similar to mine from 2011. Not locked.

Sorry if it was TMI.
by montanagirl
Wed May 02, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: knee replacement - materials? [edited]
Replies: 9
Views: 824

knee replacement - materials? [edited]

I am 69 and wondering if I should get my right knee replaced sooner rather than later. I am wondering which material to use. When my husband got his knees done (2004) his choice was titanium or plastic. He says the titanium feels cold to him, though he probably would still choose that over plastic. ...
by montanagirl
Sun Apr 29, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Services that offer to buy your house?
Replies: 22
Views: 2432

Re: Services that offer to buy your house?

About the only time I can think it would be worth it is, if one inherited a realtive's house, didn't want to do anything with it, and was willing to take any amount of money even a lowball offer for it. I would consider going this route with my house, because it so badly needs updating and I don't ...
by montanagirl
Thu Apr 26, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Social Security computing question
Replies: 12
Views: 1191

Re: Social Security computing question

OP does not need AnyPIA to do what she says she wants to do. It is all available at ssa.gov.
by montanagirl
Wed Apr 25, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security computing question
Replies: 12
Views: 1191

Re: Social Security computing question

You don't need anypia to get those estimates..you can do it at ssa.gov (not myssa) by running additional scenarios and entering zero in future years.

I used to do that all the time, but haven't been able to since I started getting spousal. Are additional estimates no longer supported?
by montanagirl
Tue Apr 24, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Income investing in Taxable
Replies: 17
Views: 1078

Re: Income investing in Taxable

Mike Scott wrote:
Tue Apr 24, 2018 4:38 pm
You might check out the Vanguard Tax Managed Balanced Fund.
I was thinking about that one for my rmd next year, but is the tax managed part really necessary if one is in the zero tax bracket?
by montanagirl
Tue Apr 24, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: "How to Engineer your Layoff" book, has anyone read it?
Replies: 27
Views: 5697

Re: "How to Engineer your Layoff" book, has anyone read it?

blindsquirrel wrote:
Sun Apr 22, 2018 12:26 pm
Well, any luck? I would like to get laid off myself if I can. I think. :)
I loved getting laid off. Happiest day of my life. Whenever I feel blue I think of that day... :beer
by montanagirl
Fri Apr 20, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 8644

Re: Need for Medicare supplemental plan?

If you choose MA and then have medical problems, you may never be able to get a supplement. I wouldn't do it. I got laid off at 65 and took advantage of the loophole of "trying" MA the first year, with guaranteed issue when I switched to F a year later. It cost only 33/mo. Not sure I would call thi...
by montanagirl
Thu Apr 19, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 8644

Re: Need for Medicare supplemental plan?

Good Listener wrote:
Wed Apr 18, 2018 3:40 pm
If you choose MA and then have medical problems, you may never be able to get a supplement. I wouldn't do it.
I got laid off at 65 and took advantage of the loophole of "trying" MA the first year, with guaranteed issue when I switched to F a year later. It cost only 33/mo.
by montanagirl
Tue Apr 17, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Then and Now: 1980 vs 2018
Replies: 12
Views: 1720

Re: Then and Now: 1980 vs 2018

It's hard to find a modest sized starter home now. They're not worth it to the builder and landlords snap up the used houses for rentals.

Need a new Levitt and Sons.
by montanagirl
Fri Apr 13, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: What you wish Netflix et al. would serialize
Replies: 2
Views: 239

Re: What you wish Netflix et al. would serialize

Something that isn't about murder on the reservation, murder on a Caribbean Island, murder in old London town etc
by montanagirl
Fri Apr 13, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate to ask co-worker when retiring?
Replies: 35
Views: 2394

Re: Appropriate to ask co-worker when retiring?

Funny, in the last couple years of my job, when I knew things were shaky, one of the project managers used to stop by my office and tell me his retirement plans. Not when, but how long until FRE, what he was planning to do (start a boutique furniture making business in his shop) and he'd go on and o...
by montanagirl
Fri Apr 13, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Best Leather Checkbook
Replies: 15
Views: 876

Re: Best Leather Checkbook

There are lots of leather checkbook covers on Amazon. Use the link at the top of the page for the forum to get a bit to help run this forum if you want. Broken Man 1999 I ordered a nice looking leather checkbook from Amazon but it was too big - the checks and register slid around and out. They're f...
by montanagirl
Sun Apr 08, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 40913

Re: Name something you had to have and now you regret purchasing it?

I traded in my perfectly good paid off VW for a new 1976 280Z. Because someone broke my heart. Boy, I showed him! It funny, all the dopes who seemed so impressed and wanted to talk to me. It was an eye-opener for sure. 8-) The payments were 200 which was a bit less than my weekly wage. I lasted 4 mo...
by montanagirl
Sat Apr 07, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: how much would a new kitchen cost?
Replies: 21
Views: 1772

Re: how much would a new kitchen cost?

WELL I think we'll let the flipper who buys our house take care of it... :?
by montanagirl
Sat Apr 07, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 12042

Re: What is your AA, given your age? and, Why?

I am 69 and at 50/50. I like the stabilizing facet of bonds but like a little upside pop once in awhile too. I wish there was a fund like that.

The "bond" part includes about 3% in money market to get me to social security next year. So there's that. :beer
by montanagirl
Sat Apr 07, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: how much would a new kitchen cost?
Replies: 21
Views: 1772

Re: how much would a new kitchen cost?

I put in a nice Lowes kitchen in our rental apartment. Nothing high end but definitely nice - Total for counters, cabinets and installation was about $20,000. It's a large kitchen by NYC standards but probably medium by suburban. Keeping the plumbing in the same place, no rejiggering appliance loca...
by montanagirl
Sat Apr 07, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: how much would a new kitchen cost?
Replies: 21
Views: 1772

how much would a new kitchen cost?

I know it depends on a lot of things, but I've been watching the house flip shows (usu Las Vegas or SoCal) where a contractor quotes a job to the owner to gut the old kitchen and put in cabinets, floor, and countertops, at around 6000-8000. That seems surprisingly reasonable to me. I could go for th...
by montanagirl
Sat Apr 07, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Is Tax CPA really needed for Vanilla Investments ?
Replies: 31
Views: 2507

Re: Is Tax CPA really needed for Vanilla Investments ?

The only concern I have would be tax prep for the very old, still doing their own taxes like my father was at 84. He later got to the point where he didn't even want to go to his beloved PC. He'd get extensions ever year anyway. No one in the close family wanted to deal with his taxes, so I drove 12...
by montanagirl
Thu Apr 05, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Random Walk on Sale
Replies: 14
Views: 2014

Re: Random Walk on Sale

Too late for Amazon deal. :oops:
by montanagirl
Mon Apr 02, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: help with Morgan Stanley tax statement
Replies: 15
Views: 658

Re: help with Morgan Stanley tax statement

Montana... As said by Livesoft, there are short cuts. Any "Covered" transactions only needs to be entered as the 1 line summary for that category for that broker, NOT the many many lines of detail. The IRS only matches your total to the reported total. Since "Covered" reporting started 6 years ago,...
by montanagirl
Mon Apr 02, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: help with Morgan Stanley tax statement
Replies: 15
Views: 658

Re: help with Morgan Stanley tax statement

Great,thanks for the help.

Yes there was probably a 1099-B there, but the thing was so hard to read! The type is so small, and when you turn a page it's upside down etc. It looked like the FA was definitely churning the account.

But then I guess I have an attitude about Wealth Managers. :x
by montanagirl
Mon Apr 02, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: help with Morgan Stanley tax statement
Replies: 15
Views: 658

Re: help with Morgan Stanley tax statement

Crap, I'm sorry, I left out the important word NOT..will fix...
by montanagirl
Mon Apr 02, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: help with Morgan Stanley tax statement
Replies: 15
Views: 658

Re: help with Morgan Stanley tax statement

I assume this is an account that is titled to the taxpayer and not a deferred account. The 1099-B should detail all the transactions. One way or another (individually or at a summary level) they need to be reported on the tax return. Assuming no other capital gain transactions aside from this broke...
by montanagirl
Mon Apr 02, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: help with Morgan Stanley tax statement
Replies: 15
Views: 658

help with Morgan Stanley tax statement

A friend showed me his tax statement with the 1099-div, 1099-int and some capital gains on the first page. In the back were about a dozen sales of mutual funds, covered and covered, with different acquisition dates and even a lot of different sale dates. He says he just lets his advisor do whatever,...
by montanagirl
Fri Mar 30, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: HRBlock software: can't efile with 2 Forms 1116
Replies: 4
Views: 298

Re: HRBlock software: can't efile with 2 Forms 1116

The IRS says in form 1116 instructions: You don't need to report income passed through from a mutual fund or other regulated investment company (RIC) on a country-by-country basis. Total all income, in the applicable category, passed through from the mutual fund or other RIC and enter the total in ...
by montanagirl
Fri Mar 30, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: HRBlock software: can't efile with 2 Forms 1116
Replies: 4
Views: 298

HRBlock software: can't efile with 2 Forms 1116

A friend has taxes paid to 6 different countries reported on his brokerage statement but can only enter 3 of them using H&R Block Deluxe version. He says he called Support and a programmer told him to just add another 1116 to get an additional 3, but they don't add up on line 48 of the 1040 and he g...
by montanagirl
Wed Mar 28, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Explain one more time how balance funds work
Replies: 37
Views: 3180

Re: Explain one more time how balance funds work

I've also played around extensively with the SBBI data for "large-company stocks" and either "intermediate-term government bonds" or "long-term government bonds," trying to find a plausible time period over which 60/40 was the optimum... and I couldn't do it. ... Over what range of years do you thi...
by montanagirl
Wed Mar 28, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 34
Views: 2866

Re: New 2019 RAV4 is now out - looks good

I've had car sales people offer to buy it from me -- for their personal use. They love the swing door and the external spare and wish Toyota hadn't made the change. Mine is a V6 with 4WD and towing package. I can practically climb trees with it. Not the most comfortable riding vehicle but I bought ...
by montanagirl
Wed Mar 28, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 34
Views: 2866

Re: New 2019 RAV4 is now out - looks good

I have a 2008 RAV4 with the swing-out rear hatch (and spare mounted outside) instead of the flip up. I plan to hold onto it as long as possible. I have the 1999 and love the swing-out door. A 2-part swing-out door would be even better. The new small SUV's all look the same to me. And yeah, the whee...
by montanagirl
Tue Mar 27, 2018 8:53 am
Forum: Investing - Theory, News & General
Topic: Grok's LMP-4: The 3-legged stool approach to retirement planning
Replies: 114
Views: 7907

Re: Grok's LMP-4: The 3-legged stool approach to retirement planning

New 3-legged stool: 1. Social Security, 2. defined contribution savings, 3. paid-off house.
by montanagirl
Sun Mar 25, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 22601

Re: Anyone Deleting Facebook?

I've closed my account before, but reopened it so I could maintain my club's page. I wonder if there is a way to close my personal page and still maintain the other??

Though I'm not nearly as worried about all this as I guess I should be.
by montanagirl
Sun Mar 25, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 12269

Re: Seasoned bogleheads repressing the thought of lower expected returns

Lower returns will definitely make me more reliant on social security, so it's good I've been waiting til I'm 70, at least. The problem is when one is so dependent, there is a tendency toward paranoia which I am trying to avoid. Also, I am more reluctant to give up the seasonal work I do as I would ...
by montanagirl
Tue Mar 20, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Modest stereo system
Replies: 57
Views: 3614

Re: Modest stereo system

aristotelian wrote:
Fri Mar 16, 2018 8:42 am
Why not just keep your old system and plug an old phone or tablet into the AUX jack for your digital stuff?
I'm impressed with the sound of our cheap Vizio sound stand. I wish I could plug my old Onkyo tuner into it somehow
by montanagirl
Wed Mar 07, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: What is your investment strength?
Replies: 70
Views: 5384

Re: What is your investment strength?

I always thought no-load index mutual funds were a great investment vehicle for ordinary people.

It's too bad I can't make others I know see that without sticking my neck out.
by montanagirl
Wed Mar 07, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Flight to Paris etc
Replies: 33
Views: 3321

Re: Flight to Paris etc

I liked Air France and Air Swiss just fine. Especially that bottle of red wine they give you. :)

Do they still do that?
by montanagirl
Wed Mar 07, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: What if you have a poorly rated car?
Replies: 47
Views: 3294

Re: What if you have a poorly rated car?

I have a 2006 Dodge Caravan which is not highly regarded on any list I've seen. I had one very expensive repair > $2k shortly after the warranty ran out and there are aggravating little things like the headliner falling down all over the car (replaced for about $100). Still, it's now 2018 so I've b...
by montanagirl
Wed Mar 07, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 10748

Re: Ok fellow bogleheads, was the correction scary or nothing?

I don't time the market or anything like that but I did manage to get to 50/50 AA finally. :wink:

Or rather, 48/48 with the rest in cash to get me to 70 next Feb.
by montanagirl
Thu Mar 01, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: How to find someone to build a web application/website
Replies: 7
Views: 526

Re: How to find someone to build a web application/website

The Wilkelvoss twins had a novel idea too.
by montanagirl
Tue Feb 27, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: paying for child's college tuition - does it count towards the limit for gift tax?
Replies: 40
Views: 2959

Re: paying for child's college tuition - does it count towards the limit for gift tax?

My understanding is that the Gift Tax does not apply to dependents. So, answer depends partly on your child's age and whether she is a full-time student I'm not sure where you acquired that understanding, but there is no such exclusion for dependents. If that was the case it would be a huge loophol...
by montanagirl
Tue Feb 27, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: paying for child's college tuition - does it count towards the limit for gift tax?
Replies: 40
Views: 2959

Re: paying for child's college tuition - does it count towards the limit for gift tax?

My understanding is that the Gift Tax does not apply to dependents. So, answer depends partly on your child's age and whether she is a full-time student I'm not sure where you acquired that understanding, but there is no such exclusion for dependents. If that was the case it would be a huge loophol...