Search found 970 matches

by Flobes
Tue Aug 07, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2315

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: 700

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: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 985

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: 992

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: Investing - Help with Personal Investments
Topic: Treasury direct
Replies: 4
Views: 599

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: 1916

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: 212
Views: 13536

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: 1916

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: 20
Views: 2179

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: 156
Views: 16842

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: 3617

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: 821

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: Investing - Help with Personal Investments
Topic: 401a and social security
Replies: 8
Views: 651

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: 1869

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...
by Flobes
Fri Jun 01, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 45
Views: 4429

Re: Maturing Credit Union 3% CD's this year

I too have the above NWFCU CD maturing in Oct. and a PenFed one in Dec. Appreciate this discussion. Thanks for the heads up re to NWFCU - I do have Heritage member status. My question ( sure don't know the ins and outs of CDs) - is it a good idea to renew for 5 yrs. in what seems like a rising inte...
by Flobes
Fri Jun 01, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: Maturing Credit Union 3% CD's this year
Replies: 45
Views: 4429

Re: Maturing Credit Union 3% CD's this year

Hello, I and many other Bogleheads have CDs maturing in 2018 in Pen Fed , NWFCU, etc. Re Northwest Credit Union (NWFCU): You can now roll that into a new 5-year CD. Here's where new NWFCU CDs get really juicy: * If you are 62+ you garner "Heritage" member status * Heritage members get a bonus bump ...
by Flobes
Fri May 25, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Book for wife on investing
Replies: 26
Views: 2108

Re: Book for wife on investing

Allan Roth's How a Second Grader Beats Wall Street: Golden Rules Any Investor Can Learn You can read reviews on Amazon to see how elegant, entertaining and appropriate this book will be for your wife. Synopsis from Amazon: In How a Second Grader Beats Wall Street, you'll follow the story of Kevin Ro...
by Flobes
Fri May 25, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Should I open a traditional IRA for bond allocation?
Replies: 14
Views: 672

Re: Should I open a traditional IRA for bond allocation?

I'm trying to figure out where the best place for my bond allocation is. I already have a taxable account, and a Roth IRA. I was going to put my bond allocation in my Roth IRA, since it is tax-advantaged, but then a lot of reading lead me to believe that stocks are best in a roth IRA, and bonds in ...
by Flobes
Mon May 21, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: International travel for Christmas
Replies: 26
Views: 1587

Re: International travel for Christmas

Costa Rica.

Beautiful country, good weather, nice people. Wonderful family adventures: oceans, beaches, jungles, mountains, volcanoes, rivers, wildlife.

My trip there was on United miles.
by Flobes
Thu May 17, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 26
Views: 3429

Re: more rotten service from Vanguard

do you know that if you ACH money from Vanguard to your bank it's available once the funds hit your bank... Nope. My (local) bank puts a four-day hold on all ACH transfers in. Policy is for for all customers, even the golden and platinum ones. Bank officers can provide a case-by-case override. They...
by Flobes
Wed May 16, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 4896

Re: somebody is using our address

To OP, here's my advice, based on my experience when my address was used by someone unknown to me. Start keeping a journal of all the delivery incidents and all of your actions; this will be helpful when you are contacted by the authorities in the future. Notify the police and the post office. Refus...
by Flobes
Sat May 12, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Getting Bombarded With Medicare Mailings!
Replies: 16
Views: 1050

Re: Getting Bombarded With Medicare Mailings!

Once you enter the "Medicare Ripe" marketing zone, you will be buried in Medicare sales information. Also expect solicitations for walk-in bathtubs, emergency alarms, funerals, and some dubious financial products like annuities, life insurance, etc. Just wait. Soon you'll be bombarded by phone calls...
by Flobes
Fri May 11, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Question on Pension Payout from Former Job
Replies: 10
Views: 1264

Re: Question on Pension Payout from Former Job

Agree with the crowd above: enjoy the precious tax-deferred space. That said, as you're consideration is using the money for a future home purchase, you might want to know that if you qualify as a "first-time home buyer" (per the govt definition), you can withdraw up to $10,000 from your IRA to use ...
by Flobes
Wed May 09, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Estimated Tax on Large Capital Gain
Replies: 34
Views: 2288

Re: Estimated Tax on Large Capital Gain

Sorry, but what I said is “strictly true”. Please correct your statement and don’t mislead the OP. Gill What you said is not technically true. As I posted taxes are due in the quarter that the income/capital gains are generated. What you should have said was that there probably will not be a late p...
by Flobes
Wed May 09, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Florida road trip - what towns to stay in?
Replies: 28
Views: 1935

Re: Florida road trip - what towns to stay in?

Wake up in ^Vero Beach.

In the morning, head southward to Jonathan Dickinson State Park, near Hobe Sound.

Rent a canoe or kayak, paddle in the mangroves. Enjoy the birds and wildlife and quiet calm. You know the difference between an alligator and crocodile?
by Flobes
Thu May 03, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Colorado Auto Insurance Rates 3rd Highest in Nation
Replies: 12
Views: 1144

Re: Colorado Auto Insurance Rates 3rd Highest in Nation

...CO auto insurance rates are the third highest in the nation... According to Business Insider, 3/22/18, Colorado is tied for 19th. Rankings of Average Cost Auto Insurance By State Each summer Forbes publishes its ranking of auto insurance costs by state, using info from insure.com. Most recent pu...
by Flobes
Thu May 03, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards being mailed now - check your status
Replies: 5
Views: 473

Re: New Medicare cards being mailed now - check your status

Mailing of new paper Medicare cards will be by region, from now through 2019. The scheduled order has been announced: • Delaware, the District of Columbia, Maryland, Pennsylvania, Virginia, West Virginia: April-June 2018 • Alaska, American Samoa, California, Guam, Hawaii, Northern Mariana Islands, O...
by Flobes
Thu May 03, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Receiving house after parents pass away - legal issues with siblings?
Replies: 35
Views: 3640

Re: Receiving house after parents pass away - legal issues with siblings?

Get it in writing, documented in legalese. A cautionary tale: * My sister helped my mother buy her condo. * We three had an understanding about how, upon my mothers death, that condo would transfer. * Condo would become my sister's, and I'd be otherwise compensated from the estate for my mother's eq...
by Flobes
Wed May 02, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 11167

Re: Have you quit eating sugar? Tell me how!

Complete a round of the whole 30 diet. If you already cook 95% of your food it shouldn't be much more work. I second this. As luck would have it, today is day 29 of my second Whole 30. It's tough, but my sugar cravings finally went away a few days ago! My hope in doing this Whole 30 was to only tak...
by Flobes
Mon Apr 30, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Sprinkler system burst, company won't honor guarantee, what to do?
Replies: 21
Views: 3371

Re: Sprinkler system burst, company won't honor guarantee, what to do?

Are we talking PVC pipe? If so you need shovel, Probably 1inch pvc, a connector or two, hacksaw or pipecutter, pvc glue and primer. Shouldn’t cost more than $20-30. It's really not too hard once you do it a few times This^. Every fall, the sprinkler system gets blown out. Every spring, when the dit...
by Flobes
Mon Apr 30, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 9608

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Thanks, Flobes, for your experienced advice. gasdoc You're welcome. It's my pleasure. One more thing: Create an "In Case Of Emergency" document. Include complete contact details -- names, phone numbers, email address, etc -- for all parents (and/or siblings or other relatives), car insurance (w/pol...
by Flobes
Mon Apr 30, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 9608

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

I am a female road warrior and solo hiker. I've been criss-crossing America in my car for many decades. I've no doubt both your daughter and her friend are familiar with all the "Stranger Danger" rules. Great joys of traveling are interacting with new people and receiving the kindness of strangers w...
by Flobes
Sun Apr 29, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Increasing equitys in retirement
Replies: 1
Views: 306

Re: Increasing equitys in retirement

Perhaps this recent Bogleheads conversation will be helpful:
Retirees: Who's increasing their equities as they age?
by Flobes
Sat Apr 28, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Which literary magazine do you read?
Replies: 12
Views: 834

Re: Which literary magazine do you read?

The Sun. https://www.thesunmagazine.org An ad-free magazine of writers (and photographers) supported by its readers. Sun's tag line: personal, political, provocative. Well written, carefully edited short stories, poetry, essays, interviews and tasty morsels, loosely related by a theme each issue. It...
by Flobes
Thu Apr 26, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Medicare Phone Calls
Replies: 26
Views: 2464

Re: Medicare Phone Calls

Anyone had any luck slowing these calls? No such luck here. Prediction, based on my experience: * Calls will increase for the next months. * Calls will stop when you are 65 yrs 3 months. * Then you'll enjoy some every year, during "Open Enrollment" cycle. I turned off the ringer, and then the answe...
by Flobes
Fri Apr 20, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Do US Postal Regulations Prohibit Me From Picking Up My Mail At The PO?
Replies: 12
Views: 1351

Re: Do US Postal Regulations Prohibit Me From Picking Up My Mail At The PO?

Sometimes, ... I will call my local post office and tell the personnel that... However one postal clerk ( Ms. By-the-Book Postal Clerk ) routinely refuses my request, stating that USPS regulations do not allow this. It is the phone call, and not the Post Office pick-up, that's outside of regulation...
by Flobes
Mon Apr 16, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 4619

Re: Costco Free Screenings

In April, some states get heart screening, others blood glucose, others bone density. I am guessing that in May everybody will get different tests. Screenings at my Costco are every other month or every three months. February was healthy heart screening; May will be osteoporosis. Likely but not cer...
by Flobes
Mon Apr 16, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 4619

Re: Costco Free Screenings

I've used Costco free blood screenings. And posted about it. You can call ahead to the pharmacy and make an appointment. Last month, I arrived before my scheduled time, and there was only one person on the line. He was handled before my paperwork was even filled in, so I was processed early. Only an...
by Flobes
Tue Apr 10, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 6216

Re: Retirees: Who's increasing their equities as they age?

Are there retirees who are/or are planning to up their equity proportion as they age and why they would be doing that? I maintained a "lowered" risk portfolio in retirement from 57 to 65. Because of the uncertainties of health, health care, and heath insurance, I felt more comfortable with more bon...
by Flobes
Sat Apr 07, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: How to sell a diamond?
Replies: 8
Views: 1304

Re: How to sell a diamond?

"How To Sell A Diamond" is a topic that has run many times before. I've been following the discussions as I have inherited diamonds that I may sell. Suggestion: Enter "Selling a Diamond" in the Forum search box. Then read some of those prior threads and mine the info that's been posted by some who m...
by Flobes
Wed Apr 04, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: medical appointments and start of new employer insurance
Replies: 14
Views: 791

Re: medical appointments and start of new employer insurance

Assuming "I''m on ACA" means you have Marketplace insurance and are receiving subsidies, then you must cancel that ACA insurance as soon as you have affordable employer-provided health insurance. You cannot have both. If you have employer-provided insurance starting May 1, then your May appointments...
by Flobes
Sun Apr 01, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: starting health savings account for self-employed people.
Replies: 2
Views: 340

Re: starting health savings account for self-employed people.

First step: Confirming that your HDHP health insurance plan is indeed HSA-eligible. Most HDHP plans are not. Having any high deductible is not the sole criteria.
by Flobes
Thu Mar 29, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Letter to your beneficiaries / heirs "In case I croak"
Replies: 11
Views: 1214

Re: Letter to your beneficiaries / heirs "In case I croak"

There have been a number of good threads about the topic. My bookmarks include: • Taylor's Letter of Final Instructions • Death Book • Process for Surviving Spouse And I downloaded this after reading about it here on the Forum (perhaps in one of these ^threads?): What My Family Needs To Know
by Flobes
Thu Mar 29, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 14907

Re: Healthy eaters -- is this grocery budget normal to you?

Never tried it but heard good things about Thrive. https://thrivemarket.com/landing/thrivehome/ Wending back to the "Finance" budget component of this meandering thread: I am a Thrive Market consumer. Thrive offers good pricing, with a very large inventory of "healthy" products for eating, househol...
by Flobes
Sun Mar 25, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8943

Re: How old were you when you started spending your “principal”?

Don't know yet. Have been retired for 15 years and the portfolio is still larger than when I retired in spite of spending principal each year. Gill Ditto^ but I've only been retired 10 years. How old were you when your accounts dropped below $X? Two people cross the threshold at age 72: one retired...
by Flobes
Sun Mar 25, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should a Power of Attorney be Local?
Replies: 9
Views: 478

Re: Should a Power of Attorney be Local?

Thinking mostly of a POA to handle money. But the POA for medical directives is probably more important and I need to consider that, too. Three realms to handle, in order of importance: your healthcare when you are not conscious, your money when you can't manage it yourself, and where your accumula...
by Flobes
Sun Mar 25, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Should a Power of Attorney be Local?
Replies: 9
Views: 478

Re: Should a Power of Attorney be Local?

Are you asking about a POA for your medical directives? Or POA to handle your money?
by Flobes
Fri Mar 23, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting I-Bonds - who is liable for tax on accumulated interest?
Replies: 4
Views: 680

Re: Gifting I-Bonds - who is liable for tax on accumulated interest?

If the OP owns the I bond and wants to transfer the ownership to his mother, the OP will be responsible for all accrued interest on the date of transfer. This rule was put in place to prevent people from tax shifting. The TD has this information clearly stated on their site. Somewhere? HueyLD is co...
by Flobes
Fri Mar 23, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: What is the sentence for laminating a Medicare Card?
Replies: 20
Views: 4001

Re: What is the sentence for laminating a Medicare Card?

It'll be interesting to see how smoothly the new cards initially work with providers. I'm hoping that mine is not one of the earlier ones issued. To OP and Frugal, if you live in Delaware, the District of Columbia, Maryland, Pennsylvania, Virginia or West Virginia, you are scheduled to be the first...
by Flobes
Fri Mar 23, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Beneficiary Advice
Replies: 25
Views: 1399

Re: Beneficiary Advice

Here's another perspective: * Most important: Do you have medical directives, POA, instructions, etc? What happens if you are alive, and incapacitated, and unable to make decisions or take actions? Get this paperwork acccomplished first. It is especially urgent for single people. Young healthy peopl...