Search found 801 matches

by Flobes
Fri Oct 20, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: QLAC - Should I, or shouldn't I buy one?
Replies: 4
Views: 440

Re: QLAC - Should I, or shouldn't I buy one?

Michael Kitces wrote a detailed answer to the question:
Why QLAC in IRA is Terrible Way to Defer RMDs
by Flobes
Wed Oct 18, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 32
Views: 2635

Re: Why not switch from Medigap F to G now?

I thought F and G were the same except F (not high deductible F) had no deductible/out of pocket, but G had a ~ $2K per year deductible/out of pocket. Is that not the way it works? No, this is not the way it works. Medicare Part B has an annual deductible. For 2017, it's $183. F covers it; G does n...
by Flobes
Tue Oct 17, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 32
Views: 2635

Re: Why not switch from Medigap F to G now?

I've been investigating the very same switch. However, I believe that I was told by my carrier (AARP UHC) that Plan G is not currently offered in my state. I wonder if the switch is more complicated if switching carriers? AARP UHC Plan G very recently became available in my state (Colorado), which ...
by Flobes
Tue Oct 17, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 32
Views: 2635

Re: Why not switch from Medigap F to G now?

Just this week, I just made the switch from F to G. Both at the same company, AARP United Healthcare.

Handled via a phone call. I answered a few questions about recent health history. Choice of start dates: Nov 1, Dec 1, Jan 1. My autopay info was ported. It was done in a few minutes.
by Flobes
Tue Oct 17, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Basic HSA question
Replies: 8
Views: 638

Re: Basic HSA question

Yes, it is ^this^ easy to get your $67.

However, it's not the end of the your required actions. You'll be receiving a 1099SA from the institution, and you'll file an 8889 HSA with your 2017 taxes next year.
by Flobes
Mon Oct 16, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4200

Re: Amazon Prime - Decline in Delivery Service?

Sounds like a failure on the part of the local Post Office to me, and not under Amazon's control. Have you contacted your local Postmaster about this problem? At my small town, large geographical delivery area, rural post office, the problem is the sheer volume of Amazon parcels since the massive P...
by Flobes
Mon Oct 16, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4200

Re: Amazon Prime - Decline in Delivery Service?

Monday Update: * Two separate Amazon parcels guaranteed for today delivery. * Both shipped via USPS. * Both arrived at Post Office on time this morning. * Neither left the post office; neither was delivered. * After 8 pm, I'll send an email to Amazon expressing delay frustration. * Amazon will conta...
by Flobes
Mon Oct 16, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 1888

Re: contributing to friend's non-profit?

The nonprofit is well-intended and it's hard to disagree with the stated goals. You support the mission, but reasonably feel queasy about financial support at this time. Nonprofits, especially start-ups, need all three of The Three Ts: time, talent, treasure. You might offer to volunteer as he deem...
by Flobes
Sun Oct 15, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4200

Re: Amazon Prime - Decline in Delivery Service?

My guess is that most cases are people not paying attention during the ordering process of the time to ship and are assuming the Prime item is ready to ship immediately. Nope. We know how to read. Delivery service varies very widely, depending on where we live. There is a real problem for some of u...
by Flobes
Wed Oct 11, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tax issue: Made a mistake on Inherited IRA RMDs for five years
Replies: 38
Views: 2767

Re: Tax issue: Made a mistake on Inherited IRA RMDs for five years

The IRA custodians are supposed to calculate the official RMD each year and tell the account holder what it is each January. Did your wife ever get a notice for any of the years? It could even have been part of the year-end statement. Then you would have seen that you were planning to withdraw a di...
by Flobes
Sun Oct 08, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1507

Re: What do you do with your empty inkjet cartridges?

I deposit them into a bin in the lobby of the local bank. They channel them to a local youth non-profit who are connected to refilling and reselling them.
by Flobes
Fri Oct 06, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Selling burial plots in Alabama
Replies: 14
Views: 1097

Re: Selling burial plots in Alabama

We inherited burial plots, and donated them to a grateful faith-based organization.
by Flobes
Thu Oct 05, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is a death certificate needed for direct transfer?
Replies: 7
Views: 607

Re: Is a death certificate needed for direct transfer?

Maybe. Depends on receiving institution. Requirements vary. That was my experience.
by Flobes
Thu Oct 05, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Question
Replies: 30
Views: 2689

Re: RMD Question

Sequence of IRA decisions / actions when subject to RMDs: First: Consider QCDs. You must have already reached 70.5. Second: Fulfill RMD obligation. Third: Do Roth conversions. If you do Second before First, QCD will not be qualified part of RMD. If you do Third before Second, it will be an excess co...
by Flobes
Wed Oct 04, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: RMD Question
Replies: 30
Views: 2689

Re: RMD Question

Adding to Celia's current information:

However, you must wait until you are 70.5 if you plan to make QCDs (Qualified Charitable Distributions) for any of your RMD obligation.
by Flobes
Sun Oct 01, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: How to get rid of thistle
Replies: 10
Views: 967

Re: How to get rid of thistle

Avenger. It works! Avenger Weed Killer Organic is fast acting, highly biodegradable, and dissipates quickly. It is non-toxic and can be used in areas near to people, pets and wildlife. Does not stain brick, concrete or pavement. OMRI certified for use on organic gardens. My strategy: I allow the thi...
by Flobes
Tue Sep 26, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4723

Re: Sonoma in October

DW and I are... Staying in Petaluma... For those of you that have been there, were there any... things you did that you would recommend ? Visit The Seed Bank in Petaluma, if you have any interest in gardening or want a gift for the aficionados in your life. Housed in a grand historic downtown bank ...
by Flobes
Tue Sep 19, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: CDs and Required Minimum Distributions
Replies: 11
Views: 836

Re: CDs and Required Minimum Distributions

Am I correct in thinking that I would be forced to liquidate individual CDs in my IRA when I get to the age where RNDs kick in? How does this work and can it be managed in a sensible manner? Based on my experience, I do not believe you are correct that you will have to liquidate a CD to meet your R...
by Flobes
Sun Sep 17, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals
Replies: 55
Views: 3500

Re: Medicare patients pay FAR MORE at 1300 rural Critical Access Hospitals

Why would you get a colonoscopy at a hospital? That makes it more expensive than it needs to be, so the patient should pay those excessive charges. We get colonoscopies at the clinic part of our medical group. We are in and out in about 2 hours and it doesn't cost us anything. Medicare pays for all...
by Flobes
Mon Sep 04, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Coyote Defense
Replies: 69
Views: 5221

Re: Coyote Defense

Most Commonly Asked Questions About Urban Coyotes Coyote FAQs Guide to Avoiding Human-Coyote Conflicts Coyote Conflicts Coyote Exclusions, Deterrents and Repellents: a tool for homeowners to utilize when trying to minimize conflicts with coyotes Coyote Deterrents and Repellants Coyote Home Audit Che...
by Flobes
Wed Aug 30, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 37
Views: 2830

Re: How to deal with Amazon purchases with Mint.com??

If I understand well, the essence of your process is that you set things up to have two easily comparable lists (Mint transactions and Amazon orders) and then you manually categorize, right? You didn't find any way to add more automation to the categorization, correct? Correct. I order diverse cate...
by Flobes
Wed Aug 30, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3339

Re: TaxAct for $13.50

Last Friday, I got an email from TaxAct. It confirms the $13.50 amount of OP. It requires no response or clicking. Thank you for trusting TaxAct to file your 2016 tax returns and for auto-enrolling with us for your 2017 tax returns. As a reminder, you have already locked in your lowest price of $13....
by Flobes
Wed Aug 30, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 37
Views: 2830

Re: How to deal with Amazon purchases with Mint.com??

I too am both a Mint user and an Amazon frequent flyer with thousands of orders. Here's my strategy; it's actually much simpler to execute than it reads: ONE TIME SETUP: 1) Create new expense account. Choose a name that has zero to do with your expenses, that you won't use for any other purpose. Exa...
by Flobes
Mon Aug 28, 2017 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Do people in the 15% tax bracket tax loss harvest?
Replies: 24
Views: 2208

Re: Do people in the 15% tax bracket tax loss harvest?

if you are in the 15% bracket, your long term capital gains are taxed at 0. Hence, I would tax gain harvest if I was in the 15% tax bracket. Because your increasing your basis for free. If you have a capital loss or a carry-forward loss, then tax gains harvest in the 15% bracket is not free. It cos...
by Flobes
Sun Aug 27, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Do people in the 15% tax bracket tax loss harvest?
Replies: 24
Views: 2208

Re: Do people in the 15% tax bracket tax loss harvest?

I wasn't planning on selling anything from my taxable account. I'm simply going to sell the Trans Ocean position and move that money into my Roth. I would've never bought the RIG stock if my EJ advisor hadn't turned me on to it. I'm away from EJ now, fully invested at VG. Actually, my taxable accou...
by Flobes
Sun Aug 27, 2017 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Less than $1000 in my IRA, any suggestions?
Replies: 6
Views: 837

Re: Less than $1000 in my IRA, any suggestions?

tombstonebl00ze wrote:
Sun Aug 27, 2017 5:47 pm
I also have a rollover IRA with a little bit of money from my previous job's 401k...less than $800...
It may be possible to roll your rollover IRA into your current 401k. Check your plan documents or ask its admistrator if your 401k allows this. Some do, some don't.
by Flobes
Sun Aug 27, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Do people in the 15% tax bracket tax loss harvest?
Replies: 24
Views: 2208

Re: Do people in the 15% tax bracket tax loss harvest?

Ok, question then. I purchased a 5k position of Trans Ocean (RIG) stock 3 years ago, it is only worth 1k as of tonight. I was simply going to sell it and take the cash and stuff my Roth with the 1k. Yes. Sell the loser. Put the $1k into your Roth. Invest your Roth wisely. Stop gambling on speculati...
by Flobes
Fri Aug 25, 2017 12:21 am
Forum: Personal Consumer Issues
Topic: Buying vegetable seeds for my backyard
Replies: 15
Views: 1026

Re: Buying vegetable seeds for my backyard

+1 Baker Creek Heirloom Seeds http://www.rareseeds.com Bonus: The printed catalog is a pure delight. Seeds Now https://www.seedsnow.com Organic non-GMO seeds. Lots of really helpful information and advice on the well-organized website. Bonus: They offer 99 cent "sampler" packets, plus variety packag...
by Flobes
Tue Aug 22, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Medicare when not collecting Social Security
Replies: 17
Views: 1420

Re: Paying for Medicare when not collecting Social Security

As to your Qs, based on my experience: * File the 5510 immediately. * My first Medicare payment withdrawal was multi-month. Since then it occurs monthly. I did not file any hardship request. Here the timetable of my 5510 saga, quoting myself from another thread: It took Medicare four months to proce...
by Flobes
Mon Aug 14, 2017 12:10 am
Forum: Forum Issues and Administration
Topic: Incorrect Apple Touch Icons
Replies: 7
Views: 1624

Re: Incorrect Apple Touch Icons

LadyGeek wrote:
Sun Aug 13, 2017 8:36 pm
Does anyone with an iPad or Macbook see the Bogleheads logo?
I cleared browser history and cookies on three Apple devices.

IPhone now has the BH logo compass. But IPad and MacBook are still Apples, using Safari.

Thanks, Lady Geek!
by Flobes
Sun Aug 13, 2017 7:47 pm
Forum: Forum Issues and Administration
Topic: Incorrect Apple Touch Icons
Replies: 7
Views: 1624

Re: Incorrect Apple Touch Icons

I've still got Apples, on both my iPad and Macbook.
by Flobes
Sun Aug 06, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Why haven't my Series-I Savings Bonds increased in value?
Replies: 9
Views: 1575

Re: Why haven't my Series-I Savings Bonds increased in value?

Here's a downloadable, free, Excel spreadsheet for calculating values of your IBonds: IBond Portfolio Calculator It automatically updates every one of your IBonds, every month, year after year. Advantages: * Built-in macros do all the work * Lives on your own hard drive * Very easy to use: Read "Not...
by Flobes
Sat Aug 05, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Manufacturers repairing/replacing out of warranty products for free
Replies: 15
Views: 1122

Re: Manufacturers repairing/replacing out of warranty products for free

OXO. The nozzle diffuser end of an OXO watering can vanished somewhere between the garden and the shed. It was some unknown number of years old, purchased who knows where, hardly new. I emailed OXO customer service, inquiring about buying a replacement nozzle. Next day a friendly, personalized email...
by Flobes
Fri Jul 28, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion tax question
Replies: 14
Views: 1235

Re: Roth conversion tax question

The wow gets bigger. As you're over 65, the standard deduction of $6350 for each of you is increased by $1250.
by Flobes
Wed Jul 26, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Critique please: Guide for Newly Unemployed
Replies: 3
Views: 598

Re: Critique please: Guide for Newly Unemployed

Rose wrote:I put a simple list together for a friend that recently received pink slip and... Is there anything else need to be added?
Get a written Letter of Recommendation. This assumes a pink-slip lay-off RIF, rather than a firing for cause.
by Flobes
Sun Jul 23, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Delaying pension benefits - what would you do?
Replies: 21
Views: 2888

Re: Delaying pension benefits - what would you do?

My calculus is not about break-even points but rather about how all the moving parts synch. I am 66, delaying both pension and SS 'til 70. Free longevity insurance. Any day that I read that rules/plans are changing for either SS or my state pension, I'll reconsider and promptly file an application f...
by Flobes
Sun Jul 02, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Best Hotel Pool for Kids in Northern California
Replies: 7
Views: 955

Re: Best Hotel Pool for Kids in Northern California

Vichy Springs Resort, near Ukiah. Effervescence. Bubbly water. Tickles when you sit in it. Body gets encased in layers of bubbles. Fun. And relaxing. Various pools. Soak in gravity-fed stone tubs. Historic. Ancient natives soaked here. Later, Mark Twain, RL Stevenson, Jack London, Presidents Grant, ...
by Flobes
Wed Jun 28, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: How does a POD CD actually work when the owner dies
Replies: 19
Views: 4762

Re: How does a POD CD actually work when the owner dies

The bank or credit union will want a copy of the death certificate. If the beneficiary is not a family member, how would they obtain the certificate? Those are public records that anyone can request. You contact the county and request a copy per their requirements. These requirements to get a death...
by Flobes
Sun Jun 25, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 4268

Re: Things to do in Iowa/Nebraska

Harper's Ferry IA (@ 1.5 hrs north of Dubuque): 1) Effigy Mounds National Monument From the website: "Sacred Space. The mounds preserved here are considered sacred by many Americans, especially the Monument's 20 culturally associated American Indian tribes. A visit offers opportunities to contemplat...
by Flobes
Sun Jun 25, 2017 12:39 pm
Forum: Forum Issues and Administration
Topic: Getting notified about a thread
Replies: 6
Views: 659

Re: Getting notified about a thread

Bayview explained how you subscribe to a thread. Next you'll have to confirm how you set up your personal account re receiving notifications. In the upper right (under the Google box) at your "name" arrow down. Go to User Control Panel. Go to Board Preferences. Go to Edit notification options. Check...
by Flobes
Sat Jun 24, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: Treasury Direct - only one beneficiary allowed
Replies: 6
Views: 1068

Re: Treasury Direct - only one beneficiary allowed

If one of us dies they will obviously all end up in the name of the survivor. At that time can the survivor (who would then be primary owner of all of them) add a new beneficiary? Yes, the survivor will just have to fill out a form. It's important this be handled promptly. If both owners die, to re...
by Flobes
Fri Jun 02, 2017 2:59 pm
Forum: Forum Issues and Administration
Topic: Email notification stop working 100%
Replies: 7
Views: 1173

Re: Email notification stop working 100%

+1

Email notification suddenly and completely stopped working this week.
by Flobes
Thu Jun 01, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: [Defined Contribution Plan] AND SS
Replies: 4
Views: 493

Re: DCP AND SS

...My friend retired for Extension with a small amount in her DCP. When she went to try and collect SS the office said that her DCP was a pension and started to reduce her SS... As I am about to retire should I roll my DCP in my IRA at CREFF to avoid this headache? Welcome to the Forum. Please defi...
by Flobes
Tue May 30, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: ? help on taking ss at 62
Replies: 15
Views: 1758

Re: ? help on taking ss at 62

...she also has a state pension that will start when she retires. ...The statement says at 62 she will get 1555.00 a month... If she did not pay into Social Security while she was working for the state, her Social Security payments may be reduced by the WEP (Windfall Limitation Provision). This WEP...
by Flobes
Tue May 30, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: HSA distributions non-qualified. Fixable?
Replies: 9
Views: 997

Re: HSA distributions non-qualified. Fixable?

Thank for the link, kaneohe. Now to parse the IRS meaning of: The IRS notice states that if there is clear and convincing evidence that an HSA distribution was the result of a mistake of fact due to a reasonable cause, the HSA owner may repay the mistaken distribution. What is "clear and convincing"...
by Flobes
Tue May 30, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: HSA distributions non-qualified. Fixable?
Replies: 9
Views: 997

HSA distributions non-qualified. Fixable?

Friend opened first HSA in January. Then paid five months of health insurance premiums from the HSA account via auto-payment. She does not meet any of the exceptions. Q: If she accrues enough other HSA-qualified expenses by year-end to match the $amount, will this satisfy requirements for qualified ...