Search found 995 matches

by montanagirl
Sat Jan 12, 2019 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Contributions AFTER 70 1/2 years of age??
Replies: 18
Views: 2840

Re: IRA Contributions AFTER 70 1/2 years of age??

You must be under 70.5 years age to contribute in a traditional IRA. However, no age limit for ROTH IRA as long as other criterion satisfied. i.e. earned income. Actually you don't even need earned income, just compensation. That includes W-2 income, self employment income http://www.irs.gov/pub/ir...
by montanagirl
Thu Jan 10, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5017

Re: Diagnosing Knee Problems over the Phone - Medicare

Sounds like your spouse got a free consult. Great. I'll tell her to just ignore the pain and be thankful she still has legs. Dude. With all due respect there is a reason why we have pcps. She may have to wait till she sees one. Orthopedic surgeons do not want to do the work of a pcp. That means eva...
by montanagirl
Fri Jan 04, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security question hindsight
Replies: 65
Views: 4885

Re: Social Security question hindsight

ResearchMed wrote, It's also much easier to think that you made the "right" decision, rather than later to think - or to have to type into an online Forum entry! - that you didn't make the "right" choice. :shock: I think there’s a behavioral economics term for that as well! :beer In social psycholo...
by montanagirl
Wed Dec 26, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 553
Views: 60478

Re: U.S. stocks continue to soar!

Dead cat bounce?

:P
by montanagirl
Wed Dec 19, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 210
Views: 164849

Re: [Why did my fund suddenly drop in value?]

Did wellesley post an unusually large cap gains distribution today??
by montanagirl
Wed Dec 19, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Why did you decide to change your asset allocation?
Replies: 45
Views: 1976

Re: Why did you decide to change your asset allocation?

I was always a 40/60 type investor when I should have been more aggressive. Now I'm moving toward 60/40 because I like that upside pop more than I worry about the downside.

Plus, I'm comfortably retired now and not needing to cover a layoff.
by montanagirl
Tue Dec 18, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13123

Re: Is anyone's portfolio not tanking???

I'm 55% stocks and down 5%.

Still have the same number of shares, though. Maybe more! :happy
by montanagirl
Mon Dec 17, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Airbnb as side gig
Replies: 44
Views: 3033

Re: Airbnb as side gig

Since income from rental properties is not normally considered earned income, I don't see how you could use AirBnB income to contribute to an individual 401k. Is AirBnB income somehow contract (1099) income? It's not 1099 but it is a small business. As long as you are sticking to short term rentals...
by montanagirl
Mon Dec 17, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8163

Re: When has being frugal or cheating out bit you in the rear?

One of my favorite discussions ever was on what frugal things people did “today”. Have you ever regretted a frugal maneuver? My biggest: 2008 I did not have a smart phone, just a flip phone. When visiting my in laws in another state they did not have internet. We were away for 3 days (Friday - Sund...
by montanagirl
Sun Dec 16, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 89
Views: 5344

Re: [Anyone drop cable for YouTube TV?]

Ive never understood how one could "cut cable" or "cut cord" without losing fast broadband. Maybe it's where I live. It's either Spectrum cable or Qwest DSL. Streaming def runs better on cable. Just because you don't have cable TV service doesn't mean that they won't provide internet by itself. I t...
by montanagirl
Sun Dec 16, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 89
Views: 5344

Re: [Anyone drop cable for YouTube TV?]

Ive never understood how one could "cut cable" or "cut cord" without losing fast broadband.

Maybe it's where I live. It's either Spectrum cable or Qwest DSL.

Streaming def runs better on cable.
by montanagirl
Sat Dec 15, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 79
Views: 5825

Re: Law school without practicing law

Big Dog wrote:
Sat Dec 15, 2018 10:57 am
As a point of information, one of my lawyers, who is the more expensive one I've used is female and uses "Esq" after her name in emails I have from her.
Tacky and pretentious as all get out, unless a Brit. Personally, I would not hire such a pompous person.
There's one in every town. :P
by montanagirl
Sat Dec 15, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 20298

Re: What Happened to you during the Financial crisis of 2007–2008

I moved all my retirement funds into cash equivalents (still tax deferred) in Nov. 2007.

Bad thing in retrospect, but I was also expecting to be laid off at any time, and would need it as a bridge to SS. Shoulda left SOME of it on the table, though.

Lesson learned.. :|
by montanagirl
Wed Dec 12, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Any way to display the old design on the Vanguard website?
Replies: 16
Views: 1317

Re: Any way to display the old design on the Vanguard website?

jryan wrote:
Wed Dec 12, 2018 7:52 pm
Is the Balances and holdings page the look that you prefer?
Uh, need your password...
by montanagirl
Sun Dec 09, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6766

Re: are manufactured homes a bad investment?

One thing about a mfgd home not on a foundation is that it's easier to do a test down should land become more valuable. There are a lot of old singlewides on city lots here that could easily be converted to something better without big demolition costs So I'd consider buying something like that over...
by montanagirl
Fri Dec 07, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: Why Retirement Is Broken And Needs To Be Reinvented
Replies: 174
Views: 12416

Re: Why Retirement Is Broken And Needs To Be Reinvented

RickBoglehead wrote:
Fri Dec 07, 2018 7:46 am

My in-laws thought that Medicare paid for their assisted living
Ha. Most people don't know the difference between Medicare and Medicaid. When you try to tell them they invariably say, "Medicare, Medicaid, whatever you call it.." as if there were no real difference.
by montanagirl
Thu Dec 06, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22332

Re: What are others paying for property taxes around the US?

In MT, $2900 for 2400sf rather dated raised ranch worth 290k on a good day.

It's been coming out at 1% of fmv pretty consistently though I know it's not computed that way.
by montanagirl
Wed Dec 05, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Why Is Insurance Worth It (Analytically)?
Replies: 89
Views: 4369

Re: Why Is Insurance Worth It (Analytically)?

To me it's buying access to a huge pot of money that I don't have. Or renting it, whatever.

Especially true with Medigap insurance, but I guess it applies to all insurance.
by montanagirl
Tue Dec 04, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security Online question
Replies: 15
Views: 1742

Re: My Social Security Online question

At this moment it's terrible! I got an email saying there was a message for me, but have tried to log in several times and the confirming text is never received. One did show up 15 minutes later.

Are they already down for the federal holiday tomorrow??
by montanagirl
Mon Dec 03, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security Online question
Replies: 15
Views: 1742

Re: My Social Security Online question

MySSA logon used to give me fits, always a problem. Always saying my pwd was wrong, no matter what. Then lock me out. :x

It's been behaving this past year though.
by montanagirl
Thu Nov 29, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2477

Re: Guy's Western US Ski Trip - suggestions?

I agree with your buddy that Jackson might not be a good fit if you have some beginners, as it's pretty steep and not as beginner-friendly. (Otherwise, it's a great place to ski). Maybe Breckenridge, Vail, Beaver Creek? Jackson Hole still has its Apres Vous hill doesn't it? But it would be tempting...
by montanagirl
Tue Nov 27, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate upon death
Replies: 33
Views: 2069

Re: Real Estate upon death

The will been done a long time ago, oldest sibling is executor and my wife power or attorney. Oldest sibling says as soon as everything happens it is sell immediately and she is out on her butt. I told him I would worry about her earning squatters rights, I have heard some states have this. He is f...
by montanagirl
Sun Nov 25, 2018 10:29 am
Forum: Investing - Theory, News & General
Topic: VG site: I wish it were easier to see all conversions
Replies: 9
Views: 907

Re: VG site: I wish it were easier to see all conversions

Does this page help? https://personal.vanguard.com/us/myaccounts/contribution Scroll down and look at the "Rollovers" column. Takes me to the login page...but I think I found that particular link before and it's ok. But why do they call it rollovers? I thought a rollover was a transfer of a tax def...
by montanagirl
Fri Nov 23, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20691

Re: H&R Block 2018 Tax Software Deluxe-$18

Whoa, I finally caught the deal in time! Thanks!
by montanagirl
Fri Nov 23, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: VG site: I wish it were easier to see all conversions
Replies: 9
Views: 907

Re: VG site: I wish it were easier to see all conversions

PFInterest wrote:
Fri Nov 23, 2018 11:53 am
How many conversions are you doing?
I think I did four this year. Is that relevant?
by montanagirl
Fri Nov 23, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: VG site: I wish it were easier to see all conversions
Replies: 9
Views: 907

VG site: I wish it were easier to see all conversions

I think it should be easier to see all your tIRA to Roth conversions for the year. Or contributions, whatever. There used to be a Retirement link on the main Account page that would show how much you've put into your tIRA for the year or other time period. That was helpful back when I was working. A...
by montanagirl
Thu Nov 22, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: running stereo system thru TV sound boards
Replies: 3
Views: 601

Re: running stereo system thru TV sound boards

Did you change the input selection to RCA on the Sound Stand once you plugged in your receiver? There is no obsolescence involved regarding the RCA plug. It will work if it has signal leaving your tuner and then Sound Stand is set to use that that input. Cheers Ok in l'll try again tomorrow, thanks.
by montanagirl
Thu Nov 22, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: running stereo system thru TV sound boards
Replies: 3
Views: 601

running stereo system thru TV sound boards

I have a Samsung smart TV with a $99 Visio sound stand, which I think sounds pretty good. In fact I think TV sound has been awesome for quite awhile now, even on our last CRT box. I don't know how they do it. The sound stand definitely gets that movie house rumbley bass. I wouldn't mind running loca...
by montanagirl
Tue Nov 20, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Good oil for cooking and salad?
Replies: 38
Views: 2489

Re: Good oil for cooking and salad?

malabargold wrote:
Tue Nov 20, 2018 2:36 pm
As far as health concerns go, olive oil is the choice, period.
I like peanut oil. The olive oil I've tried usually tastes funky.

I there a good tasting olive oil, like restaurants use for dipping oil?
by montanagirl
Thu Nov 15, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: annuity with true COLA built in
Replies: 28
Views: 2072

Re: annuity with true COLA built in

I would like to wait til 75 to buy an annuity.

Obviously other options are more promising, even just leaving in my 4 funds, but it's that ol problem of managing as my ability declines. :?
by montanagirl
Wed Nov 14, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: annuity with true COLA built in
Replies: 28
Views: 2072

Re: annuity with true COLA built in

Watty wrote:
Wed Nov 14, 2018 12:09 pm
Delaying Social Security until you are 70 to get a larger benefit amount is in effect buying an inflation adjusted annuity.
I made it to 69.5 before filing. How am I doing.
by montanagirl
Wed Nov 14, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: annuity with true COLA built in
Replies: 28
Views: 2072

annuity with true COLA built in

I've been pricing Immediate annuities through the Vanguard link and it looks like can get 1 or 2 or 3 percent increases. Does anyone actually offer one with a true COLA? Maybe for a huge up front payment? Not that I could afford it... :( But it seems like anything else, give it your best guess. I'd ...
by montanagirl
Tue Nov 13, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2830

Re: why so few 50/50 balanced funds?

28fe6 wrote:
Tue Nov 13, 2018 7:33 am
I also prefer 50/50 but 60/40 is practically the same thing. In my opinion small differences in AA aren't significant, but staying the course definitely is. So even though I would prefer an AA of 50/50, a 60/40 balanced fund is still good for me.
I may as well just put it into Balanced then.
by montanagirl
Mon Nov 12, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2830

Re: why so few 50/50 balanced funds?

I didn't know that. Gonna love dealing with that at 85.
by montanagirl
Mon Nov 12, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2832

Re: How long have you had, or did you have, your HP-12C calculator?

Never had one but sure miss my TI ba-35. The last one I bought wss larger in a stupid way (flare at the top) and not as reliable.
by montanagirl
Mon Nov 12, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2830

Re: why so few 50/50 balanced funds?

Vanguard seems to prefer 60/40 or 40/60 funds. You could choose two of those to get to 50/50 (Wellington/Wellesley or LifeStrategy Moderate/Conservative). +1 My aim was to set up continuous RMDs without intervention. Just in case. I would be nice if I could chain them together in desired withdrawal...
by montanagirl
Mon Nov 12, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2830

why so few 50/50 balanced funds?

My RMDs start next year and I'd like to consolidate total stock, total bond and Wellesley into one fund and just set it on automatic. This is in case I lose the ability to manage the payouts. As long as I'm able, I'll probably take the RMD manually and reinvest part of it, then put it back on automa...
by montanagirl
Tue Oct 23, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 26092

Re: PSA: Don't buy a big house

No one has mentioned my wife's objection to two-story foyers/great rooms and open floor plans of these McMansions: The noise is unbearable. Fire up a blender in the kitchen and the folks watching TV in a the great room can't hear the sound—even though it's often a different ZIP code. Same for the c...
by montanagirl
Mon Oct 22, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 26092

Re: PSA: Don't buy a big house

We don't have that problem inside, but our 1979 house was built with a tall expansive outside entryway, a hideous fad going around at the time. Our house is a castle! Esp hard to hang Christmas lights or using a ladder without marking up the deck. Also hard to paint though DH got to borrow scaffoldi...
by montanagirl
Wed Oct 17, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: your favorite ereader?
Replies: 28
Views: 1439

Re: your favorite ereader?

I have a Kindle Paperwhite but hate it. I like my old Samsung tablet 7" with Kindle app. It's just too easy to set off various unwanted functions in the Kindle..way over-featured now. Plus with the tablet you get a full color browser, so you can go look up things from the book. Like I was reading ab...
by montanagirl
Tue Oct 16, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11409

Re: What do you consider 'enough'?

About 10 years out from retirement I began increasing 401k withholding, to where my pay was close to my predicted social security. I kept checking and adjusting, delayed filing, so that my SS is close to my old take home pay and my rmd was close to my money from side hustles. Plus with some Roth mon...
by montanagirl
Sun Oct 14, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Online Masters in Education?
Replies: 9
Views: 376

Re: Online Masters in Education?

Has she taught before? I'd wonder if and which school districts accepted a degree like that and from which schools.

That said, I know that plenty of districts accept online credentials for promoting current teachers. Again, which districts? Thousands of districts out there!
by montanagirl
Sat Sep 29, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 12220

Re: Moneytalk with Bob Brinker coming to an end

He is probably the one who got me into Vanguard, though it took awhile to finally make the move. I must have been listening ca 2000, that era, or earlier. Liked his theme music also. Some talkers like Prager just can't seem to get that right. Brinker and everyone else back then recommended GNMA all ...
by montanagirl
Mon Sep 24, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2169

Re: Acoustic Pianos

I have a 40 yo kawai upright and I love it.

Yamahas sound harsh to me. kawai always seems to have a mellower tone but heavier touch.
by montanagirl
Fri Sep 21, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 9639

Re: Delaying Social Security Until 70

I took mine at 69 1/2, mainly because I was still working full time until FRA, and then was still able to work doing this and that until this year. Plus my benefit at FRA was not going to be all that great, due to some dropout years, so waiting put it in the "decent" zone. It would have been nice to...
by montanagirl
Wed Sep 19, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: social security disability
Replies: 13
Views: 1265

Re: social security disability

Yes. Ask around and get one who does a lot of them. It will take awhile but the benefits are retroactive to the filing date so don't delay. If the case is as clear as it seems and he has good medical records, SS may accelerate the process. They did that with a friend who has MS. Question I have is i...
by montanagirl
Tue Sep 18, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Knights of Columbus LTC insurance??
Replies: 2
Views: 395

Knights of Columbus LTC insurance??

A guy just called DH, who has a small life insurance policy with KofC. He apparently filled out a questionnaire and the salesman knows his age and everything (79). This doesn't seem right. Anyway he's on the way out to give his pitch for LTC insurance. I wonder if it's part of some larger policy... ...
by montanagirl
Mon Sep 17, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3640

Re: Equity in house / Do you use it?

Never touch it. We may need it someday, maybe to get into assisted living. But not now.

Fortunately my DH agrees on this policy.
by montanagirl
Sun Sep 16, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1649

Re: delaying claiming SS from age 64 to 70 while not working

It doesn't say what the treatment is if you get an extra few months of delay credit. I filed 6 mo short of age 70, but right now receive the amount I would have gotten had I filed when I turned 69. I *assume* I will get a bump up next year...SSA told me that on the phone once three years ago. :wink...