Search found 1006 matches

by Flobes
Tue Feb 05, 2019 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Designating someone to interface to SSA (not Representative Payee)
Replies: 18
Views: 698

Re: Designating someone to interface to SSA (not Representative Payee)

Devin Carroll, a Social Security expert favored by some BHs, posted about this just yesterday. His into: "Have you ever tried to use a power of attorney for Social Security purposes? If you haven’t, save yourself the trouble. The Social Security Administration will not accept it. In today’s video I’...
by Flobes
Fri Feb 01, 2019 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Could Credit Card Work as Hypothetical Emergency Fund Instead of Cash?
Replies: 43
Views: 2238

Re: Could Credit Card Work as Hypothetical Emergency Fund Instead of Cash?

I know this wouldn't be smart but would a credit card work as an emergency fund, or are there situations where you would need actual cash or funds for withdraw in a bank account? Here's a previous Forum conversation that might be of interest: What unexpected emergencies require sizeable emergency c...
by Flobes
Mon Jan 21, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: Looking for old school CD player & bookshelf stereo
Replies: 28
Views: 1962

Re: Looking for old school CD player & bookshelf stereo

Denon Bookshelf stereo https://usa.denon.com/us/product/compactsystem/mini/microcomponentsystem Great acoustic quality. Good old school FM radio and CD player. New school supports connection to TV, cable, iPhone, thumb drives, blueray etc. Small footprint. (I have an older version of a Denon micro s...
by Flobes
Thu Jan 03, 2019 1:42 am
Forum: Investing - Theory, News & General
Topic: BRK.B in 2019
Replies: 16
Views: 1862

Re: BRK.B in 2019

I own my one share of BRKb to yield a 7% discount on GEICO auto insurance.
by Flobes
Thu Jan 03, 2019 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Income increase and Roth IRA eligibility?
Replies: 19
Views: 1342

Re: Income increase and Roth IRA eligibility?

2019 projected gross income for DW and I: $248,132.00 -$38,000 (max 401k x2) -$,3,500 (max HSA) -$500 (FSA contribution) -$24,400 (standard deduction for married filing jointly) --------------- -$66,400 So projected AGI for 2019 is ~$181,732.00 ...I know the limit for full contribution is $193k and...
by Flobes
Wed Jan 02, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Nicer Denver Areas
Replies: 19
Views: 2269

Re: Nicer Denver Areas

Wow-this is great info-thank you so much! We are just staying over for the night on our way out to ski Breckenridge. We hope to stay the day in Denver to begin the altitude adjustment from our midwestern 500'. I know that Breck town is over 9000, so we are using Denver as a mini-step to the higher ...
by Flobes
Wed Jan 02, 2019 5:18 pm
Forum: Personal Consumer Issues
Topic: Nicer Denver Areas
Replies: 19
Views: 2269

Re: Nicer Denver Areas

I'll be rolling through Denver for a 1.5 day stay with my family. As a denizen of western Colorado mountains, I've stayed in Denver for 1-3 nights many many times, for business and for pleasure. Here are my current faves: Art Hotel Hip modern luxurious boutique hotel. Features lots of contemporary ...
by Flobes
Wed Jan 02, 2019 1:50 am
Forum: Personal Finance (Not Investing)
Topic: Income increase and Roth IRA eligibility?
Replies: 19
Views: 1342

Re: Income increase and Roth IRA eligibility?

2019 projected gross income for DW and I: $248,132.00 -$38,000 (max 401k x2) -$,3,500 (max HSA) -$500 (FSA contribution) -$24,400 (standard deduction for married filing jointly) --------------- -$66,400 So projected AGI for 2019 is ~$181,732.00 ...I know the limit for full contribution is $193k and...
by Flobes
Wed Dec 12, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Non-taxable investment income in order to qualify for ACA subsidies?
Replies: 12
Views: 751

Re: Non-taxable investment income in order to qualify for ACA subsidies?

My question is: What are the different types of (non-retirement: 401k, IRA) investments that would allow me to earn money that is non-taxable, so that it doesn't affect my taxable earnings which affects my Obamacare insurance? I'm guessing certain types of municipal bonds? Others? Thanks in advance...
by Flobes
Sat Dec 01, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10911

Re: Why is Costco gas so much cheaper

With piqued interest and as a curiosity exercise, I just checked Costco vs local gas stations where I live:
Costco $2.69
Valero $2.87
Phillips 66 $3.04
7-11/Conoco $3.04
Shell $3.17
by Flobes
Sat Nov 24, 2018 1:44 pm
Forum: Personal Investments
Topic: Roth conversion in a low income year.
Replies: 11
Views: 1330

Re: Roth conversion in a low income year.

It is not possible for someone in the lowest income and therefore 50% Savers' Credit qualifier to attain the entire credit of $1000. From what I see, a single person would need over $20k to have a $1k tax liability but at $20k AGI the 50% credit drops to 20%. Even at low income, it is possible to h...
by Flobes
Fri Nov 23, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: How many vacations per year is optimal?
Replies: 53
Views: 4801

Re: How many vacations per year is optimal?

My general guideline:
* Once a month, get out of the valley.
* Once a season, get out of the state.
* Once a year, get out of the country.
by Flobes
Fri Nov 23, 2018 9:55 pm
Forum: Personal Investments
Topic: Roth conversion in a low income year.
Replies: 11
Views: 1330

Re: Roth conversion in a low income year.

Am I right in assuming that the standard deduction of 12K would allow her to convert that much totally tax free? Yes, federal tax free. She may owe state taxes. Total income around 2-3K for the year. If that $2-3k is earned income, she can put $2000 in a Roth, earning a $1000 Saver's Credit. IRS re...
by Flobes
Fri Nov 23, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 307
Views: 24695

Re: H&R Block deluxe $18 at Amazon

I think this is the best possible deal - H&R Block 2018 Deluxe + state + free (federal) e-file + 5% Amazon bonus on refunds - $18 today. https://www.amazon.com/s/?search-alias=aps&tag=bogleheads.org-20&field-keywords=H%26R+Block+deluxe+2018 Credits from "No Rush Shipping" were automatically applied...
by Flobes
Wed Nov 21, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: Taxable Account in Retirement: What Is Reason to Direct Dividends to MM for Spending/Not Reinvest?
Replies: 21
Views: 2297

Re: Taxable Account in Retirement: What Is Reason to Direct Dividends to MM for Spending/Not Reinvest?

I'm retired now, and I'm aware that in retirement many people direct dividends to their "spending account," such as a money market fund. I'd like to understand the rationale for this - for some reason it's not obvious to me, and I suspect I'm missing something obvious. Rebalancing. With no new cont...
by Flobes
Tue Nov 20, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: 3year myga (fixed annuity) rates
Replies: 4
Views: 519

Re: 3year myga (fixed annuity) rates

Does anybody know who offers the highest 3 year fixed annuity rates right now? Here you'll find a listing of MYGAs in your state, including rate, rating, minimum$, maximum$, and other features: MYGA rates You can also order a free book MYGA Owners Manual . It's Stan The Annuity Guy website. I learn...
by Flobes
Tue Nov 13, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 43
Views: 2899

Re: Garmins & Fitbits: Worth it for non-athletes?

Santa brought me a Fitbit Alta HR last year.

It's still in the box.
by Flobes
Wed Nov 07, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: How much to donate to local police and fire department?
Replies: 23
Views: 1850

Re: How much to donate to local police and fire department?

How much to donate to local police and fire department? Got letters asking to donate to both. The fire department is volunteer run ( not sure what exactly that means ). I plan to give $50 to each. But not sure if I should give more? What criteria would you use to determine the amount? I donate to o...
by Flobes
Sun Nov 04, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6419

Re: Do I need more than Original Medicare?

I plan to go with Original Medicare for a year, and then reassess. Different states have different rules. You may be subject to medical underwriting to get Medicare supplement outside of this initial enrollment window. So when something happens and you need the additional coverage, you may not be a...
by Flobes
Sun Oct 28, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: If On Medicare Before SS, How Do You Pay?
Replies: 46
Views: 3882

Re: If On Medicare Before SS, How Do You Pay?

If a credit card is used, can one then reimburse oneself from the HSA account obtaining the best of both worlds - the 2% cash back and the tax free deduction? Yes you can, but keep your records for seven years in case of an audit. Yes: You can reimburse yourself from your HSA for Part B payments yo...
by Flobes
Sun Oct 28, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: If On Medicare Before SS, How Do You Pay?
Replies: 46
Views: 3882

Re: If On Medicare Before SS, How Do You Pay?

If you are on Medicare before starting Social Security, how do you pay your premiums? I believe the bills they send can be paid by check or credit card. They also seem to have a way to switch to direct deposit. What do you use and why? Is their some advantage(s) in using a particularly method? I us...
by Flobes
Tue Oct 23, 2018 11:20 am
Forum: Personal Investments
Topic: Is TLH in 12% bracket less worthwhile?
Replies: 22
Views: 1881

Re: Is TLH in 12% bracket less worthwhile?

Tax loss harvesting in the 12% bracket can be particularly advantageous when lowering your AGI (by up to $3000) makes you eligible for tax benefits like higher ACA subsidies, Savers credit, etc.
by Flobes
Fri Oct 19, 2018 1:36 pm
Forum: Personal Investments
Topic: Social Security Windfall Elimination Provision (WEP) question
Replies: 6
Views: 747

Re: Social Security Windfall Elimination Provision (WEP) question

QUESTION: Can I avoid the WEP If I take the lump sum withdrawal out of an old pension program and close the account rather than waiting and taking the monthly pension? Here's the relevant document from Social Security POMS: Determining Pension Applicability, Eligibility Date, and Monthly Amount It ...
by Flobes
Fri Oct 12, 2018 5:17 pm
Forum: Personal Investments
Topic: Opinions about age 66 to 70 Roth Conversions - up to 12% or 22% bracket
Replies: 12
Views: 909

Re: Opinions about age 66 to 70 Roth Conversions - up to 12% or 22% bracket

I am attempting to decide between doing Roth conversions up to the 12% tax bracket or up to the 22% tax bracket in my first 4 years of retirement before I collect SS at 70... What are factors that I should take into account to make this decision on what tax level to maximize conversions? You are a ...
by Flobes
Wed Oct 03, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: not married in community property state
Replies: 9
Views: 1067

Re: not married in community property state

go_mets wrote:
Wed Oct 03, 2018 10:09 am
Is there any advantage to California versus New York state in terms of child support?
Are you concerned about advantage for the children?

Are you cautious about advantage for their mother?

Are you hopeful for advantage for their father? Is he a wannabe deadbeat dad?
by Flobes
Mon Oct 01, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3622

Re: Struggling with Medicare Plan G vs Plan N

Would you go with Plan G and not have to deal with the $20.00 copays and excess charges or Plan N? Excess charges might be a really big deal. This seems way more important than the convenience or inconvenience of copays. There are two ways to avoid excess charges: * Only see doctors who accept Medi...
by Flobes
Thu Sep 20, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card spending $20000
Replies: 10
Views: 1947

Re: Credit card spending $20000

Alliant Credit Union, VISA Signature Card. Alliant Credit Union VISA Signature Card First year: 3% cash back on everything (no limits), no foreign transaction fees, annual fee waived. After: 2.5% cash back, $59 annual fee, (cancelable). There have been several Forum threads about this card. It's tar...
by Flobes
Thu Sep 20, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1432

Re: Painting kitchen cabinet

Quoting myself from an earlier thread about painting kitchen cabinets. I remain delighted, a year and a half later. I'm in the midst of repainting all the cabinets in my home. I'm using a cabinet paint product that combines primer and paint. Nuvo Cabinet Paint. Available many places, and stocked at ...
by Flobes
Tue Sep 18, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages - Pros, Cons
Replies: 55
Views: 4113

Re: Reverse Mortgages - Pros, Cons

Wade Pfau wrote the book, "Reverse Mortgages: How to use Reverse Mortgages to Secure Your Retirement." Be sure to get the revised, 2018 edition.
by Flobes
Tue Sep 18, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26200

Re: What is your single most expensive mistake?

Single most expensive mistake?

Trusting my sister when we were co-executors of estates.

Ouch!
by Flobes
Sat Sep 15, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2561

Re: Rain Jacket recommendations and care

...I'd like something that is light weigh, breathable and can be easily stuffed into a hydration pack... I hope ladies will chime in, I too am looking for a rain jacket. Red Ledge. Jakuta. @$80: Available for Women and Men. ($55 for Boys and Girls sizes.) Amazon, REI, etc. Nylon. Waterproof. Breath...
by Flobes
Wed Sep 05, 2018 8:13 pm
Forum: Personal Investments
Topic: Pay for Medical Costs with HSA or Savings?
Replies: 15
Views: 1150

Re: Pay for Medical Costs with HSA or Savings?

jeam3131 wrote:
Wed Sep 05, 2018 8:09 pm
If you pay now with your savings account, can you then pull money later out of the hsa with those same receipts you paid from your savings account?
Yes.

jeam3131 wrote:
Wed Sep 05, 2018 8:09 pm
Or does it have to be new medical expenses?
No.
by Flobes
Wed Sep 05, 2018 11:29 am
Forum: Personal Investments
Topic: Pay for Medical Costs with HSA or Savings?
Replies: 15
Views: 1150

Re: Pay for Medical Costs with HSA or Savings?

I'm about to get a medical procedure that costs around $4,800 that won't be covered by insurance. I can use the money in my HSA to pay for the procedure, or I could use the money in my savings to pay for it and keep the money in the HSA and invest it instead. I'm a bit worried about dipping into sa...
by Flobes
Tue Aug 07, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2658

Re: New Medicare cards. Get yours?

My new Medicare card came early in the second round. But I had already gone out to the Medicare site and printed off a copy of the new card, an idea I got from someone on this forum. Were you able to print out your new card before your state was scheduled to have the new cards sent out? We live in ...
by Flobes
Mon Aug 06, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Missing Mail Issue
Replies: 6
Views: 782

Re: Missing Mail Issue

Recently I put my residence's mail on "Temporary Hold" for two weeks while I went on vacation. (This "hold" was necessary because, at the time, I had an Amazon parcel lost in the postal ether. And I did't that package randomly delivered and left out in the elements somewhere near the porch.) Whence ...
by Flobes
Wed Jul 25, 2018 10:57 am
Forum: Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 1159

Re: Steps to transfer IRA to Vanguard

...The first step is leaving her current advisor and transferring her Rollover IRA from Schwab to Vanguard. Since she is with an advisor I’m not sure of the right sequence of steps to take. Should I open a Vanguard Rollover IRA first and then have the break-up talk with the advisor? I believe we ca...
by Flobes
Wed Jul 04, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is this the least bad way to get out of my lease?
Replies: 5
Views: 1067

Re: Is this the least bad way to get out of my lease?

How much will you be paying in taxes to take ownership and get the title in your name?
by Flobes
Sun Jul 01, 2018 11:28 am
Forum: Personal Investments
Topic: Treasury direct
Replies: 4
Views: 649

Re: Treasury direct

Savings Bond Calculator on TD site. Enter the bonds details once. Get a link to return as often as you like for updated values. Computes redemption value, so report generated does not show interest for the first-year non-eligibility nor the three-month penalty <5 yrs. It auto-updates every month. If...
by Flobes
Sun Jul 01, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Should I cancel my Colorado trip due to wildfires??
Replies: 19
Views: 2112

Re: Should I cancel my Colorado trip due to wildfires??

Thanks everyone for the helpful and encouraging responses (and links) so far. Looks very much that we'll be going ahead, and will plan to remain flexible. I just need to watch for the various cancellation deadlines. The train ride is from Antonito (south of Alamosa) not Durango. Unless we bypass th...
by Flobes
Sun Jul 01, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22494

Re: What are your property taxes?

Colorado. Property tax: $300k home. $1,283.20; senior citizen exemption ($546.36); paid $736.84. Statewide Taxpayer Bill of Rights (TABOR); tax increases must be approved by voters. Income tax: flat for all @4.63%. $24k/yr/person of retirement income (incl pensions, SS, IRA distributions, Roth conve...
by Flobes
Sun Jul 01, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Should I cancel my Colorado trip due to wildfires??
Replies: 19
Views: 2112

Re: Should I cancel my Colorado trip due to wildfires??

Fire is the bane of The West. If you want to visit, spring through autumn, there will likely be fires. Colorado is a very big state. You will enjoy your travels, even while some areas are ablaze. Smoke will not be your problem, because you'll avoid fiery areas. You may witness the spectacular glowin...
by Flobes
Sat Jun 30, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: switching between AARP Medigap plans
Replies: 27
Views: 3157

Re: switching between AARP Medigap plans

SpideyIndexer wrote:
Fri Jun 29, 2018 6:30 pm
... it is a simple telephone procedure to switch between AARP/UH Medigap plans... Has anyone... performed such a switch?
I am one of several AARP United Healthcare Medigap "switchers" who posted in this thread:
Why not switch from Medigap F to G now?
by Flobes
Tue Jun 26, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 181
Views: 25007

Re: IRS publishes draft 2018 1040 - Huge changes made

jebmke wrote:
Tue Jun 26, 2018 8:02 am
Has anyone found the Foreign Tax Credit on the new form or any of the schedules?
Schedule 3, Nonrefundable Credits, #48, first line.
by Flobes
Mon Jun 25, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Please help find these shoes for an old lady
Replies: 32
Views: 3822

Re: Please help find these shoes for an old lady

This style, with the thingy between the toes, is called a "thong" sandal. Women's feet either love or hate them. (I'm a lover!) This particular thong has a very particular single strap across the top of the foot and no back-strap. Heel height and type (not evident in your photos) is important too. A...
by Flobes
Sun Jun 24, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Why tax amount determined by software lower than schedule?
Replies: 8
Views: 935

Re: Why tax amount determined by software lower than schedule?

I usually file tax by TaxAct, and... The reason for this is that I have to file amended tax, and I need to figure out the tax by hand without the software.... You may be able to file the amended return using TaxAct. I've used TaxAct for several years. And I recently had to amend a return. A call to...
by Flobes
Tue Jun 05, 2018 6:44 pm
Forum: Personal Investments
Topic: 401a and social security
Replies: 8
Views: 919

Re: 401a and social security

I'm reading that WEP is based on how much you actually receive in pension benefits, its not just a line in the sand. WEP is a line in the sand. WEP impact is entirely about calculus of the first Social Security bend point, which is typically 90%. The WEP changes the first bend point to 40%, but it ...
by Flobes
Tue Jun 05, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: New Medicare card
Replies: 28
Views: 2266

Re: New Medicare card

tick-tock still waiting for my new card If you're "Deep in the Heart of South Texas" you'll be waiting for a while. Mailing of new Medicare cards will be by region, from now through 2019. The scheduled order: • Delaware, the District of Columbia, Maryland, Pennsylvania, Virginia, West Virginia: Apr...