Search found 1127 matches

by Flobes
Sun Oct 13, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: How to prevent shoe creases?
Replies: 18
Views: 1859

Re: How to prevent shoe creases?

Is there a way to prevent creases? Trying to figure out the most economical way to wear leather shoes. Reframing: Dealing with shoe creases BLOW DRY Place on shoe tree. Remove laces. Hold dryer 3-6 inches from shoes. Massage creases. Polish. Note: Make sure shoe tree is correct size, as this blow d...
by Flobes
Tue Oct 01, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4004

Re: Recommendation for Carry on Luggage

Looking to replace my carry on luggage. We travel to Europe once a year and want the carry on to be right size for smaller European carriers like Ryan Air, Aegean, ect.... but be able to carry as much as possible(we don't check bags) I prefer wheels to roll as I also carry a small backpack as my pe...
by Flobes
Tue Oct 01, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Uber in foreign countries
Replies: 25
Views: 1603

Re: Uber in foreign countries

... does Uber charge your card in the local currency? I am wondering if it makes sense to add a credit card with no foreign transaction fees to my Uber account for an upcoming trip out of the country. I'll probably be using Uber quite a bit there since I've been told the cabs aren't that safe. Yes,...
by Flobes
Tue Oct 01, 2019 2:00 am
Forum: Personal Consumer Issues
Topic: Ants immune to Terro or just lots of ants?
Replies: 38
Views: 2830

Re: Ants immune to Terro or just lots of ants?

JoMoney wrote:
Mon Sep 30, 2019 8:27 pm
My default to keep all bugs out is diatomaceous earth around the perimeter and wherever they might be coming in.... very effective and safe for people/pets
+1
by Flobes
Sat Sep 21, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: CMS direct debit hit twice [Medicare]
Replies: 47
Views: 3236

Re: CMS direct debit hit twice

Oh goodness, you are not alone. I just logged into my bank account and sure enough I got hit twice. Fortunately, I have enough money in my account to absorb the additional withdrawal. Hopefully the double whammy gets fixed very soon. Ahhh, me too! Double debits. Thx BHs for the heads up. Just so ha...
by Flobes
Tue Sep 17, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Butcher Box
Replies: 13
Views: 1813

Re: Butcher Box

Anyone tried this service? It's a subscription for home delivery of grass fed/grass finished beef, heritage pork etc. I am a Butcher Box customer. Meats are high quality and very delicious. Customer service is excellent. There are “specials” periodically for a limited time; sometimes it’s special c...
by Flobes
Fri Aug 16, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Transition ACA plan to Medicare
Replies: 16
Views: 792

Re: Transition ACA plan to Medicare

Any suggestions for dealing with the transition so that ACA coverage ends on the proper date and we are billed properly? I graduated from ACA to Medicare with a May birthday,. My Medicare began May 1. My disconnect experience was relatively easy and smooth. A few months in advance, when I was handl...
by Flobes
Fri Aug 16, 2019 11:54 am
Forum: Personal Investments
Topic: Fidelity vs Alliant for CDs?
Replies: 9
Views: 861

Re: Fidelity vs Alliant for CDs?

What’s the difference between using a bank such as Alliant vs Fidelity? A particular advantage of Alliant CDs is that you can choose the maturity date. Most often, when you purchase a CD, the maturity date is specified. Example: If you purchase a 3-year CD from a bank or credit union today, the mat...
by Flobes
Thu Aug 15, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Basic tax topic
Replies: 15
Views: 1619

Re: Basic tax topic

Welcome to the Forum, Craig. Or you could just wait for the crash and then sell the taxable investments at a loss, which can have tax benefits (see Tax Loss Harvesting (TLH)). Or if the crash isn't so large, you could withdraw without paying as much tax. I appreciate the replies, but this one is rea...
by Flobes
Sun Aug 11, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: SS: Restricted Application Strategy & the WEP
Replies: 7
Views: 712

Re: SS: Restricted Application Strategy & the WEP

- worked in the private sector from 1984 until 1997 full time, then started a job in the public sector (that does not pay into SS) and has been working there ever since - bc he will be eligible for a pension after he retires (retirement planned for in 2020), he will be eligible for $1,400/month fro...
by Flobes
Tue Aug 06, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Shed foundation
Replies: 33
Views: 2032

Re: Shed foundation

I would like to put a plastic shed like the one in the link below up against my house. ...check with your village regarding a permit. As strange as it sounds some communities require them for sheds and adding foundations. We just went thorough this "shed regulations" process with the building inspe...
by Flobes
Sun Aug 04, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Only 33 years work history / Social Security:
Replies: 23
Views: 5334

Re: Only 33 years work history / Social Security:

This person actually has 38 years of work experience. However five of these years are below $1000. So to simplify the question I mentioned 33 years of work history as being significant. Leaving two years added as zeros in the average of 35 highest earning years. SS uses highest 35 years of indexed ...
by Flobes
Sun Jul 28, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to prepare for RMDs in excess of what’s needed?
Replies: 48
Views: 3510

Re: How to prepare for RMDs in excess of what’s needed?

Is it possible to utilize an annuity to push off RMD’s and perhaps use as a conduit to heirs? There is an annuity product available that can affect RMDS, a QLAC. Here is a link from Investopedia: https://www.investopedia.com/terms/q/qualified-longevity-annuity-contract-qlac.asp Other than knowing s...
by Flobes
Sat Jul 27, 2019 8:38 am
Forum: Personal Investments
Topic: Can I convert a non-deductible IRA from last year to a Roth this year?
Replies: 12
Views: 438

Re: Can I convert a non-deductible IRA from last year to a Roth this year?

I was not aware about the rules if you had other IRA balances. Think about it the way: You have only one IRA, no matter how many different accounts it is sheltered in. So there are no "other" IRA balances. I was considering rolling a 401k from a previous employer into this IRA too. But, if I want t...
by Flobes
Wed Jul 24, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question re WEP and GPO
Replies: 3
Views: 374

Re: Social Security Question re WEP and GPO

My question is: is there any way for her to continue paying SS taxes on her own... No, not if her only employment is her municipal job. ...so that she won't be subject to the WEP Under current law there are two ways to mitigate the WEP from calculation of her Social Security benefits. The first: ha...
by Flobes
Fri Jul 19, 2019 6:24 pm
Forum: Personal Investments
Topic: with 10K limit is an I-bond worth it?
Replies: 6
Views: 840

Re: with 10K limit is an I-bond worth it?

miket29 wrote:
Fri Jul 19, 2019 6:17 pm
I saw that by filing Form 8888 with my tax return I can buy up to $5K in I-bonds.... Is it possible to do a rough pass of my taxes in December and then send in an estimated payment to get up to $5K?
Yes, it is allowed.
by Flobes
Fri Jul 19, 2019 12:01 am
Forum: Personal Investments
Topic: Tax Loss Harvesting while reinvesting dividens
Replies: 12
Views: 887

Re: Tax Loss Harvesting while reinvesting dividens

If one only harvests the first 45 days of every quarter (i.e. Jan 1 - Feb 15; July 1 - Aug 15 etc), does this pretty much guarantee you will avoid a wash sale. No. Your timeline pretty much guarantees you will have wash sales. Wash sale rule is 61 days: 30 days prior to the sale, the day of the sal...
by Flobes
Thu Jul 18, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Extended warranty for kitchen appliances
Replies: 31
Views: 1664

Re: Extended warranty for kitchen appliances

(The Thermador comes with a 2 year and Frigidaire with a 1 year manufacture warranty). The appliance company rep told me that I can purchase the extended warranty on the installation date. Warranty clock usually starts ticking the day of purchase, rather than the day of delivery. When your applianc...
by Flobes
Thu Jul 18, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy vs Roth conversions
Replies: 35
Views: 2811

Re: ACA subsidy vs Roth conversions

and foregoing large roth conversions up to age 65 We still have to hold off large conversions until 65 plan to wait until Medicare kicks in (age 65ish) but before SS starts (age 70) to Roth Convert Roth conversions before Medicare make zero sense for us There is a small window between 65 (Medicare)...
by Flobes
Thu Jul 18, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Harrassed at work, what steps to take to protect her future employment
Replies: 93
Views: 8511

Re: Harrassed at work, what steps to take to protect her future employment

I have a 64 year old friend living in San Diego... Is there anything else she can do to protect herself? Is there any non profit agency she can talk to for advice? She is not wealthy so not a lot of extra funds to hire a lawyer... Call the state Department of Aging for guidance about what to do and...
by Flobes
Sun Jul 14, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Options Until Age 65?
Replies: 25
Views: 2908

Re: Health Care Options Until Age 65?

I have heard horror stories about how much health care costs for a family plan. Any advice would be helpful. Depending on where you live, costs are very widely variable. Ditto laws and regulations. Different regions within the same state can have very different insurance availabilities and pricetag...
by Flobes
Sat Jul 13, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Donations from IRA
Replies: 4
Views: 324

Re: Charitable Donations from IRA

... if I have the money taken from the IRA directly transferred to the Charity, without going into my checking account, I do not have to pay income tax on the amount transferred. Is that true? If you are older than 70.5, then yes, it can be true. These gifts are called QCDs, and there are specific ...
by Flobes
Sat Jul 13, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: what exactly is a "12-23 month CD"?
Replies: 3
Views: 443

Re: what exactly is a "12-23 month CD"?

In May my mom purchased a "12-23 month CD". It's literally called that on the bank's website (not an online bank). It's paying 2.13%. It was issued on 5/8/2019 and says it matures on 5/8/2020. Doesn't that make it a "12 month cd"? Most probably, at the time of purchase, she had the option of choosi...
by Flobes
Tue Jul 09, 2019 6:10 pm
Forum: Personal Investments
Topic: Drawing down Inherited IRA vs. Roth Conversions
Replies: 13
Views: 981

Re: Drawing down Inherited IRA vs. Roth Conversions

bestplans wrote:
Tue Jul 09, 2019 5:13 pm
OP here. Thanks this a good reminder that in terms of obligation and flexibility down the road I should strongly consider (of the two options) drawing more from the inherited IRA first.
OP, I sent you a Private Message.
by Flobes
Tue Jul 09, 2019 2:53 pm
Forum: Personal Investments
Topic: Drawing down Inherited IRA vs. Roth Conversions
Replies: 13
Views: 981

Re: Drawing down Inherited IRA vs. Roth Conversions

Assuming one has ample tax bracket "space" during early (pre-65) retirement to draw down an inherited stretch (non spousal) IRA or convert TIRAs to Roth, is it generally advisable to prioritize the Roth conversions (vs. drawing down more than the RMDs in the inherited IRA) to maximize tax free grow...
by Flobes
Mon Jul 08, 2019 4:34 pm
Forum: Personal Investments
Topic: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?
Replies: 13
Views: 2147

Re: Is Total International Stock Market Index in taxable account as tax efficient as the Total Stock Market Index?

wouldn't the TISMI not be as tax efficient as the TSMI due to the large amount of dividends paid and the TISMI would be better held in a tax favored account like a rollover IRA or a Roth IRA? Remember that opportunities to tax loss harvest may present at different times for Total International and ...
by Flobes
Mon Jul 08, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Tax Question about Medicare Part B Premium Amount of $135.50
Replies: 13
Views: 1245

Re: Tax Question about Medicare Part B Premium Amount of $135.50

...a person over 65 years old is currently collecting $2,000 per month in social security benefits. When the social security benefit payment is made each month, the government deducts $135.50 for the Medicare Part B Premium. So this person is only getting $1,864.50 per month. If you received the en...
by Flobes
Sun Jul 07, 2019 10:45 am
Forum: Personal Investments
Topic: Roth IRA Withdrawal Choice
Replies: 7
Views: 819

Re: Roth IRA Withdrawal Choice

Hi there. We need to make a contribution withdrawal from one of our two different Roth IRA accounts. One account is about 3x the size of the other. Would making a contribution withdrawal have more of an effect on the long-term growth of one fund over the other? Basically, I am unsure if it would be...
by Flobes
Sat Jul 06, 2019 12:18 pm
Forum: Personal Investments
Topic: Does International makes sense in this situation?
Replies: 6
Views: 588

Re: Does International makes sense in this situation?

I have several thousand dollars in losses on this position... should I keep it until it hopefully generates some positive return or sell it now and cut my losses? Neither. Harvest the losses with a smile, then buy back international that's similar (for your portfolio) but not identical. IXUS is a r...
by Flobes
Sat Jul 06, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: HVAC possibly damaged by lightening
Replies: 10
Views: 719

Re: HVAC possibly damaged by lightening

Lightening struck very close to my house earlier this week. Afterwards, the AC stopped working along with two Apple computers. ...We are not sure if the manufacturer Apple can tell that the computer was damaged by lightening. It was protected by two surge protectors. But my spouse thinks the lighte...
by Flobes
Fri Jul 05, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: How much did FIRE affect your SS payments?
Replies: 17
Views: 2567

Re: How much did FIRE affect your SS payments?

SS is computed on top 35 years of weighted earnings. Example: If you have 25 years of earning, you will have 10 years of zero including in your averaging. SS projected FRA number on your account assumes you will be continuing to earn money at your level. Severity of the effect is determined by where...
by Flobes
Tue Jul 02, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: drugstore prices
Replies: 20
Views: 1289

Re: drugstore prices

we don't have a card for Costco Costco pharmacy is available to non-members for filling prescriptions. is there a "best place to shop" for drugstore items? If by drugstore items you mean misc toiletries, first aid, over-the-counter medications, then you can buy them anywhere, even the supermarket. ...
by Flobes
Tue Jul 02, 2019 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Estimated SS and Windfall Elimination Provision
Replies: 17
Views: 1478

Re: Estimated SS and Windfall Elimination Provision

How does timing of pensions affect WEP? For example, I have a small corporate pension from another country which would affect WEP if I recieved it concurrently with social security. However, I have an option to take a lump sum at age 65 instead if receiving this pension. The timing is all about SS ...
by Flobes
Mon Jul 01, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated SS and Windfall Elimination Provision
Replies: 17
Views: 1478

Re: Estimated SS and Windfall Elimination Provision

Am I missing some other factor that will affect WEP, either positively or negatively? There are two ways to mitigate the WEP from calculation of your Social Security benefits. The first you know about and you will not qualify: having 30 substantial years eliminates the WEP, and having 20-30 substan...
by Flobes
Fri Jun 28, 2019 12:02 am
Forum: Personal Investments
Topic: adding series I savings bonds to taxable assets
Replies: 17
Views: 1422

Re: adding series I savings bonds to taxable assets

I've decided to start buying $5,000 of series I savings bonds every six months. You are limited to $10,000/year/person buying IBonds electronically at Treasury Direct. You can also get up to another $5,000/year of paper IBonds by allocating your tax refund to IBonds via Form 8888 . You can overpay ...
by Flobes
Thu Jun 27, 2019 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Reissuing paper savings bonds - signature guarantee
Replies: 4
Views: 312

Re: Reissuing paper savings bonds - signature guarantee

The form (FS Form 4000) requires a signature guarantee. My bank (Capital One) says they no longer provide signature guarantees for anything involving savings bonds. They simply refused. I've called a few other banks in my area and they tell me they don't do signature guarantees for savings bonds ei...
by Flobes
Thu Jun 27, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: I need to do a will...anyone have recommendations/advice?
Replies: 21
Views: 1357

Re: I need to do a will...anyone have recommendations/advice?

My wife and I are in our mid 40's (no children) and need to do a will. Our estate is not complex. We don't want to spend a lot on an attorney and thinking an online company (i.e. legalzoom) or software may be a good option for us. To legalize how your stuff will be handled: Buy Willmaker software, ...
by Flobes
Wed Jun 26, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Banks that offer automatic withdrawal option for CDs at maturity
Replies: 12
Views: 841

Re: Banks that offer automatic withdrawal option for CDs at maturity

Does anyone know if there are any other on-line banks or Credit Unions that provide this automatic option (vs having to call the bank or physically go into the bank during the 7-10 day grace period at CD maturity)? Alliant Credit Union. Easy online to declare your option for maturity: check, transf...
by Flobes
Wed Jun 26, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a insurance company
Replies: 16
Views: 908

Re: Help me choose a insurance company

I went through the very same exercise several years ago. Appeal of Amica because so many Bogleheads are enamored with the company. Beloved Amica offered quote that was nearly double! I actually asked Amica why, and the answer was some gibberish about gobbledygook. He did go on and on about how they ...
by Flobes
Wed Jun 26, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Buying a car out of state
Replies: 33
Views: 1931

Re: Buying a car out of state

Tell me if I'm crazy or if anyone has done something similar. I got a new car from a dealer 2000 miles away from home. It was part of an estate settlement deal, and the new car had to purchased in NY in order for me to get it for free. Then I drove it home to Colorado (loaded with newly inherited t...
by Flobes
Wed Jun 26, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: RMD with 401k and Roth IRA
Replies: 8
Views: 743

Re: RMD with 401k and Roth IRA

My retirement plan consists of a 401k and a Roth IRA. Does this mean you have a pretax 401k and a Roth 401k in an employment retirement plan? Or does this mean your personal retirement planning includes an employer pretax 401k and your own Roth IRA? Please clarify. My understanding is I will not be...
by Flobes
Wed Jun 26, 2019 10:36 am
Forum: Personal Investments
Topic: Vanguard CDs vs bank CDs?
Replies: 13
Views: 1721

Re: Vanguard CDs vs bank CDs?

What is a difference between Vanguard CDs vs regular bank CDs? ... automate CD renewals? Set it or forget it style? Last thing I want is monthly notifications and monthly CD renewals done by me. ...I want to place 12 month emergency fund into 12 CDs that mature every month. Alliant offers pretty go...
by Flobes
Sat Jun 22, 2019 5:38 pm
Forum: Personal Investments
Topic: Are there any tips / best practices for an Inherited IRA?
Replies: 27
Views: 4942

Re: Are there any tips / best practices for an Inherited IRA?

My mom recently passed away at 59... If your mother didn't do an RMD withdrawal for 2019, you need to do it from your share....in the year of death....you probably already knew that. The withdrawal uses her age to figure the RMD. No. His mother was 59. No RMDs are due for her in the year of death.
by Flobes
Fri Jun 21, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Carryon luggage for international travel
Replies: 25
Views: 2548

Re: Carryon luggage for international travel

I've never had anyone check the size or weight of carry-on on dozens of transatlantic LH flights ... just last month on a DEN-MUC Lufthansa flight. I had to squeeze the bag into their sizer, after which they affixed a tag to let the gate agent know it was OK. Did they weigh it too? Or just make sur...
by Flobes
Fri Jun 21, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Carryon luggage for international travel
Replies: 25
Views: 2548

Re: Carryon luggage for international travel

The Lufthansa web site says for international travel that the max is 55 CM which converts to 21.65 inches. Lufthansa check in staff at Munich were unbelievable sticklers for checked in baggage weight also. I am scheduled to travel on Lufthansa for the first time, so I've been studying their rules. ...
by Flobes
Fri Jun 21, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: your experience with tours (National Geographic, Smithsonian, REI, etc.)?
Replies: 11
Views: 1261

Re: your experience with tours (National Geographic, Smithsonian, REI, etc.)?

...He uses OAT a lot. OAT doesn't have a single supplement on most of their tours. OAT seems to put out a pretty good quality product, and judging by where he's gone, they go to a lot of interesting places. Another OAT vote from an OAT traveler. Overseas Adventure Travel Great destinations, interes...
by Flobes
Fri Jun 21, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Access to joint accounts at spouse’s death
Replies: 31
Views: 2674

Re: Access to joint accounts at spouse’s death

Access to joint accounts at spouse’s death? In some states, a safety deposit box is sealed as soon as bank receives notice of an owner's death. Joint owners and other signators are locked out. When my father died quite suddenly, a friendly bank CSR called my mother and told her to go immediately to ...
by Flobes
Fri Jun 21, 2019 12:12 pm
Forum: Personal Investments
Topic: A Nice Problem To Have...Usually
Replies: 10
Views: 3299

Re: A Nice Problem To Have...Usually

Welcome to the Forum. My wife's dad recently passed away Offering condolences. Many of us arrived in this Forum after receiving inheritances. We will be receiving 1/4 of the roughly $800K proceeds in a week or so First step: adjust your thinking about your financial situation. This $200,000 is now y...
by Flobes
Thu Jun 20, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Carryon luggage for international travel
Replies: 25
Views: 2548

Re: Carryon luggage for international travel

The Lufthansa web site says for international travel that the max is 55 CM which converts to 21.65 inches. Lufthansa also has an 8 kg (17+ lb) weight max for carry-ons. Your bag empty may easily weigh 6 lbs! +1. I was about to say the same thing! Assuming OP packs anything of significance in the ba...