Search found 1303 matches

by montanagirl
Wed Jul 01, 2020 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: What are you paying for umbrella insurance?
Replies: 20
Views: 888

Re: What are you paying for umbrella insurance?

$323 for $1 million.
.
Plus had upgrade auto insurance a bit.
by montanagirl
Sat Jun 27, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: Online vendor for sprouted nuts and grains?
Replies: 8
Views: 504

Re: Online vendor for sprouted nuts and grains?

I dunno, what happened?

I've been on on my hike.
by montanagirl
Wed Jun 24, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11220

Re: What is the single best piece of exercise equipment you bought for your home?

In 1986 I bought a good sturdy Schwinn DX900 spin bike like I had been using at the gym. That solved the problem of exercising during the worst of winter snow and also when it was too hot for me in the summer. And I dropped the gym membership. Still use it a couple times a week, along with my outdoo...
by montanagirl
Wed Jun 24, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: Made a horrible decision with regards to car. need guidance
Replies: 60
Views: 6204

Re: Made a horrible decision with regards to car. need guidance

I did the same thing around age 28. I traded in my fairly new VW for a new 280Z - it was all too easy! I drove it a couple months, worried about it getting damaged and a fender did get dented at a ski area. It was horrible in the snow and ice, needed studded snow tires all around and lots of ballast...
by montanagirl
Mon Jun 22, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Pros and Cons of Male vs. Mixte vs. Female Bike Frames
Replies: 19
Views: 1390

Re: Pros and Cons of Male vs. Mixte vs. Female Bike Frames

I am female but found I was a bit too tall and long legged at 5'8" to use "women's" or mixte bikes. The geometry of the frame is simply meant for riders of shorter stature. Sadly, that goes to the folding bikes, cruisers and definitely the little BMX bikes. :(

YMMV
by montanagirl
Fri Jun 19, 2020 2:44 pm
Forum: Investing - Theory, News & General
Topic: Can the present value of contributing into social security be estimated?
Replies: 6
Views: 445

Re: Can the present value of contributing into social security be estimated?

I don't know but it definitely cut into my benefit. I kept asking HR why my income seemed to be going down after about 2005 but could never understand the answer. After all, "social security wages" was gross pay wasn't it? I'm still not sure what caused the reduction. 401k? Health insurance? Flex pl...
by montanagirl
Thu Jun 18, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 274
Views: 28593

Re: Really hard to avoid "Keeping up with the Joneses"!

Maybe this is different but back in the early 2000s I was amazed that young couples were able to buy so much house, and figured they must be making incredible incomes and I was just a loser. I had to wait until I was 40 to but my first, very small house.

Around 2007 I figured it out.
by montanagirl
Wed Jun 17, 2020 5:53 pm
Forum: Personal Investments
Topic: Why Morgan Stanley Says the 60/40 Portfolio Is Doomed
Replies: 107
Views: 10936

Re: 60/40 split at 70 year old?

As dbr posted above, please read up on "Single Premium Immediate Annuity" SPIA. There are many nice discussion threads on the topic. I don't think there is any magical stock/bond asset allocation as long it hovers near 50%, but adding an SPIA should help insure a solid income stream. Interest rates...
by montanagirl
Tue Jun 16, 2020 8:07 pm
Forum: Personal Investments
Topic: Why Morgan Stanley Says the 60/40 Portfolio Is Doomed
Replies: 107
Views: 10936

Re: 60/40 split at 70 year old?

That's what I'm doing. SS covers my expenses and I find the upside of 60/40 is more fun than the downside is scary. FWIW I'm 71. I am also in my 70's. I find the downside more scary than the upside is fun. I am at 35/65. It's a personal decision. How will you feel if the value of your stock holding...
by montanagirl
Tue Jun 16, 2020 4:57 pm
Forum: Personal Investments
Topic: Why Morgan Stanley Says the 60/40 Portfolio Is Doomed
Replies: 107
Views: 10936

Re: 60/40 split at 70 year old?

That's what I'm doing. SS covers my expenses and I find the upside of 60/40 is more fun than the downside is scary.

FWIW I'm 71.
by montanagirl
Sat Jun 13, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: $120,000 in credit card debt
Replies: 72
Views: 9548

Re: $120,000 in credit card debt

Is the $120,000 "your part" of joint debt?

If so they may still come after you for the rest.
by montanagirl
Wed Jun 10, 2020 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend paying rent
Replies: 107
Views: 10545

Re: Girlfriend paying rent

From the IRS: "Report your not-for-profit rental income on Schedule 1 (Form 1040), line 21 or Form 1040NR, line 21. If you itemize your deductions, include your mortgage interest (if you use the property as your main home or second home), real estate taxes, and casualty losses from your not-for-prof...
by montanagirl
Wed Jun 10, 2020 7:58 am
Forum: Personal Investments
Topic: Vanguard Rep Says No Dividends for VTSAX and VTIAX
Replies: 31
Views: 5906

Re: Vanguard Rep Says No Dividends for VTSAX and VTIAX

Yeah I called in to undo my RMD for the year, after the CARES act passed. I told her what I wanted to do and why, and right off she said, "hey did you know there's a new law regarding RMDs? Let me explain - " and goes on autopilot after I'd already indicated I was aware of the new law and wanted to ...
by montanagirl
Tue Jun 09, 2020 8:49 am
Forum: Investing - Theory, News & General
Topic: Vanguard site versions seem to alternate
Replies: 8
Views: 885

Re: Vanguard site versions seem to alternate

I prefer that version but got it only just today. More often it's that large-print version that makes you drill down to this view.

I wish I could just keep it this way.
by montanagirl
Sat Jun 06, 2020 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend paying rent
Replies: 107
Views: 10545

Re: Girlfriend paying rent

OP needs to Google "IRS not for profit rental."
by montanagirl
Fri Jun 05, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: can't log on [to Vanguard website]
Replies: 70
Views: 2430

Re: Unable to Connect to Vanguard on Laptop

Right now, same. Site is melting down. :D
by montanagirl
Thu Jun 04, 2020 11:04 am
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 353
Views: 33833

Re: It's Not Different This Time

I bought the big dips and now I'm back to where I was in January.

:beer
by montanagirl
Thu Jun 04, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9459

Re: Amazon WITHOUT Prime?

If you cancel, do you still get the rest of the year paid for?

Or do they refund part? I paid in January.
by montanagirl
Wed Jun 03, 2020 6:20 pm
Forum: Personal Investments
Topic: Out of market now and need advice on re-entering
Replies: 107
Views: 10173

Re: Out of market now and need advice on re-entering

Stef wrote:
Mon Jun 01, 2020 11:31 am
Guys, you know it's possible to edit your post after you quote someone? For example deleting all the previous quotes in that post? Aren't most of you in IT? :wink:
:D
by montanagirl
Tue Jun 02, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 315
Views: 17252

Re: Why the heck is the market up?!?!

FED has opened up the fire hose and expanded their balance sheet by almost $3 trillion since early March. That is a lot of money working its way through the system. Bonds have negative real returns so a lot of the money will go to equity if people think they can get a real return. This is it, right...
by montanagirl
Sun May 31, 2020 10:50 am
Forum: Personal Finance (Not Investing)
Topic: password breach & threatening email
Replies: 14
Views: 1607

Re: password breach & threatening email

Ok pretty much as I thought. This was the first time for me.

It was a cut above the Nigerian scams though.
by montanagirl
Sun May 31, 2020 9:13 am
Forum: Personal Finance (Not Investing)
Topic: password breach & threatening email
Replies: 14
Views: 1607

password breach & threatening email

I received a threatening "form" email today by a hacker who got a very old password of mine. He claims he has compromising video of me but that can't be true because I block all my cameras. He wants me to send $700 in bitcoin. What should I be doing in light of the password breach? It's not in use a...
by montanagirl
Sat May 30, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: I think the dentist broke one of my teeth [Do I have to pay for the extraction?]
Replies: 14
Views: 1958

Re: I think the dentist broke one of my teeth [Do I have to pay for the extraction?]

If I remember correctly, the last time I had a tooth extracted, the neighboring 1-2 teeth were pissed off for some time. However, what you do depends on if you trust the dentist to be competent and honest. Ah that helps. Was hoping for someone with similar experience. The dentist was really reefing...
by montanagirl
Fri May 29, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: I think the dentist broke one of my teeth [Do I have to pay for the extraction?]
Replies: 14
Views: 1958

Re: I think the dentist broke one of my teeth

I did go back Tuesday. He removed the suture and said the gum was all irritated. But the pain and swelling continues and I'm taking a lot of analgesics.

When I wake up in pain I wonder what I would do if that good tooth were ruined and get pretty agitated. When I go in again I'll need a plan.
by montanagirl
Fri May 29, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: I think the dentist broke one of my teeth [Do I have to pay for the extraction?]
Replies: 14
Views: 1958

I think the dentist broke one of my teeth [Do I have to pay for the extraction?]

I DO NOT SEEK MEDICAL ADVICE. A crown broke, but it had a root canal so I was in no pain. But there was part of the tooth left. When the dentist was wiggling the pieces out, he sort of leaned a dental tool on my canine (#21) for leverage and it moved a bit..I was worried at the time and now over a w...
by montanagirl
Wed May 27, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 17853

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

oldfort wrote:
Tue May 26, 2020 10:35 am
montanagirl wrote:
Tue May 26, 2020 10:20 am
If your kids don't mind the distraction, intimidation, violence etc then you're good.
Talk about ridiculous stereotypes of public schools, as if all public schools are hotbeds of gang violence.
Is "bullying" better? You read the "gang" part into it.
by montanagirl
Tue May 26, 2020 10:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard High Dividend Yield Index Fund
Replies: 194
Views: 18866

Re: Vanguard High Dividend Yield Index Fund

scripter2002 wrote:
Fri Dec 20, 2019 10:45 pm
Curious why a fund such as Vdigx is a bad choice for IRA.
And VDIGX isn't new. 🤔
by montanagirl
Tue May 26, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 17853

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

What’s wrong with the public schools? From reading teacher forums elsewhere, apparently many poor schools have significant behavior issues that disrupt classrooms but can't be corrected due to fear of litigation. Students are rarely flunked even if they do no work or clearly copy/plagiarize. Social...
by montanagirl
Sun May 24, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 13718

Re: If Jeep has such poor reliability, how come they are everywhere?

The Grand Cherokee doesn't even seem to be cool anymore. It's the Wranglers and Rubicons you see around here. It's definitely an image play. I don't think they're as great for ice and snow highway driving as Subarus. But the same could be said for the huuuge 4x4 trucks too, with all that weight in f...
by montanagirl
Thu May 21, 2020 9:18 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11743

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

The ideal time to go to cash would have been around Feb. 18. The best time to buy back in would have been March 23. Funny how no one seems to call those things ahead of time.

Instead, they call it after it happens.
by montanagirl
Thu May 14, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: What to do with canned chicken?
Replies: 45
Views: 3367

Re: What to do with canned chicken?

I nuke it and add if to the Marie Calender chicken pies because they never have enough.
by montanagirl
Wed May 13, 2020 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Broke mother-in-law retiring due to COVID-19
Replies: 54
Views: 6602

Re: Broke mother-in-law retiring due to COVID-19

DiMAn0684 wrote:
Tue May 12, 2020 8:09 am
I'd imagine having $125,000 in liquid assets might prevent her from qualifying for low income senior housing.
Not true. Places here look only at income. If you can show your house is on the market you can qualify for reduced rent HUD or other Independent living setups.
by montanagirl
Thu May 07, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 55
Views: 4024

Re: Will a vpn complicate or improve my internet experience?

I have Nord VPN running on two phones and it seems to be interfering with page loading recently. I am constantly having to pause VPN so that a site will load.

Not sure what that's about.
by montanagirl
Wed May 06, 2020 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Handle Unfiled Tax Returns?
Replies: 25
Views: 1612

Re: Best Way to Handle Unfiled Tax Returns?

If he hasn't filed all these years I seriously doubt that he's kept the detailed logs necessary to document his vehicle usage. Or any other expenses for that matter. And he will need to file all missing years before the IRS will talk to him about a payment plan. I wouldn't touch this with a ten foot...
by montanagirl
Wed May 06, 2020 9:01 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24995

Re: IRS Get My Payment up and running

We received our DD today. We are zero filers but after the programming changes I was able to get our bank info in 4/24, got the update last Saturday 5/2, got the deposit today 5/6. :moneybag
by montanagirl
Sat May 02, 2020 8:58 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24995

Re: IRS Get My Payment up and running

Same, entered bank info 4/24, DD date may 6.
by montanagirl
Wed Apr 29, 2020 6:45 pm
Forum: Personal Investments
Topic: Can a person rollover A 2020 Roth RMD?
Replies: 8
Views: 518

Re: Can a person rollover A 2020 Roth RMD?

What was the amount of the conversion you did in January, that you later had returned? At this point, unless you qualify for a corona virus distribution, you cannot roll that distribution into a Roth IRA (the second time). But like other people that took January distributions, there is still a chan...
by montanagirl
Wed Apr 29, 2020 4:26 pm
Forum: Personal Investments
Topic: Can a person rollover A 2020 Roth RMD?
Replies: 8
Views: 518

Re: Can a person rollover A 2020 Roth RMD?

So I started doing Roth conversions in January, not realizing I had to do my RMD first. When someone here straightened me out I took the distributions out of the Roth. Some of the conversion were after Feb 1. How do I undo those? And I wonder what will the 1099R will look like next year? Ho boy am ...
by montanagirl
Wed Apr 29, 2020 2:16 pm
Forum: Personal Investments
Topic: Can a person rollover A 2020 Roth RMD?
Replies: 8
Views: 518

Re: Can a person rollover A 2020 Roth RMD?

So I started doing Roth conversions in January, not realizing I had to do my RMD first. When someone here straightened me out I took the distributions out of the Roth. Some of the conversion were after Feb 1. How do I undo those? And I wonder what will the 1099R will look like next year? Ho boy am I...
by montanagirl
Wed Apr 29, 2020 1:02 pm
Forum: Investing - Theory, News & General
Topic: What explains the continued rise in equities?
Replies: 167
Views: 12887

Re: What explains the continued rise in equities?

I've long had a lingering suspicion that companies use these events as an excuse to lay off people they wanted to lay off anyway.

So, trim the fat, less overhead, more profit = winning! in the short term. :moneybag
by montanagirl
Mon Apr 27, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Adult needing disability
Replies: 6
Views: 572

Re: Adult needing disability

I haven't handled an SSSI claim in years, but it used to be the applicant had been unable to do any kind of job for a year. It was a tough requirement.

Maybe there is an exception for profound impairments, but the work history might get in the way here.
by montanagirl
Sun Apr 26, 2020 11:40 am
Forum: Investing - Theory, News & General
Topic: Why do investors have a hard time doing nothing?
Replies: 53
Views: 3912

Re: Why do investors have a hard time doing nothing?

One of the most important things we can do as an investors is nothing. Relax, be still, and steady. I see a lot of smart investors talk about when the market does x, I'm going to do y. Hundreds of thousands, if not millions of people cashed out during the Pandemic. Most wish they never did. I'm cur...
by montanagirl
Sun Apr 26, 2020 10:17 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24995

Re: IRS Get My Payment up and running

Whoa, it worked finally!

I entered owed 0, and it took the DD info but did not give me a deposit date.

Still... :beer
by montanagirl
Sun Apr 26, 2020 9:12 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24995

Re: IRS Get My Payment up and running

2beachcombers wrote:
Sat Apr 25, 2020 6:53 am
Jas wrote:
Sat Apr 25, 2020 6:21 am
Finally was able to enter bank account information using 0 for tax refund. Apparently, bug was fixed overnight.
0 worked for me too------------------finally :dollar
Did you enter owed 0 or refund 0?

IRS doesn't give more than one or two bites of the apple before locking you out. 😟
by montanagirl
Fri Apr 24, 2020 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9749

Re: Best Covid19 resistant job

I have a nephew who works for the USPS. His job is probably about as secure as they come. In light of recent events/statements made by certain officials, I wouldn't be so sure about this. My first job was with the USPS when I was 18. Loved it but always heard they were on thin ice, so quit and wand...
by montanagirl
Fri Apr 24, 2020 10:37 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24995

Re: IRS Get My Payment up and running

Well just entered bank info but it said there were "technical difficulties". Apparently, one question was 1) did you get a refund or 2) did you make a payment -kicked me out. Why wasn't there an option "didn't get a refund or make a payment" ?? Didn't I read that if you collect SS via direct deposi...
by montanagirl
Fri Apr 24, 2020 10:35 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24995

Re: IRS Get My Payment up and running

I tried to start with my 2018 info when I owed 30, but site said it didn't match their records.

So I tried 2019 when I owed 0 and got technical difficulties again..
by montanagirl
Wed Apr 22, 2020 8:42 pm
Forum: Personal Consumer Issues
Topic: Anybody here pay less than $40 a month for home internet and with what company?
Replies: 62
Views: 4378

Re: Anybody here pay less than $40 a month for home internet and with what company?

Home internet under $40? This is incredibly location-dependent, down to the town you live in (or even the neighborhood or street in some cases). So unless you tell us what town anything that posters suggest may not be very relevant to you. Assume you know where YOU live. I figured OP just wants to ...
by montanagirl
Mon Apr 20, 2020 9:49 pm
Forum: Personal Consumer Issues
Topic: How does the accounting profession fare during recessions?
Replies: 25
Views: 2281

Re: How does the accounting profession fare during recessions?

The only profession I am aware that is not impacted by recession much is healthcare and k12 teaching. I am retired now, but I remember experiencing hard time finding job during recessions. Healthcare? You must be kidding, with all the furloughing going on now. And teachers get laid off too, for tha...
by montanagirl
Fri Apr 17, 2020 7:40 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 74482

Re: Bogleheads community discussion - Coronavirus

No at all. People will die of heart disease. To say with certainty that people will only die if the hospitals are full is mind boggling. :oops: People with heart attacks won't be saved if ambulances/ERs/hospitals are all unavailable. That's a certainty. Not mind boggling. Kind of ironic, though, th...