Search found 1287 matches

by Flobes
Sat Jul 04, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: Just read my first book cover to cover....thanks!!
Replies: 9
Views: 1518

Re: Just read my first book cover to cover....thanks!!

Ready for another...I think. If you liked Dale Carnegie, you'll love this: Enough: True Measures of Money, Business, and Life by John Bogle From Amazon blurbage: Page by page, Bogle thoughtfully considers what "enough" actually means as it relates to money, business, and life. • Reveals Bogle's unp...
by Flobes
Wed Jul 01, 2020 1:52 pm
Forum: Personal Investments
Topic: Pros/Cons moving 403 b to self directed IRA...
Replies: 5
Views: 283

Re: Pros/Cons moving 403 b to self directed IRA...

I have the choice of moving all to new account or setting off on my own IRA... I will have more control/no surprise costs with IRA at Vanguard. To clarify: Are you asking about a traditional IRA? Or are you asking about a Self-Directed IRA, per your headline? They are not the same. Here's Investope...
by Flobes
Tue Jun 30, 2020 2:30 pm
Forum: Personal Investments
Topic: Buying I-bonds with tax refund
Replies: 10
Views: 821

Re: Buying I-bonds with tax refund

I'm about to file my Fed refund and expecting a refund. I was thinking of using the refund to buy I-bonds. 1) This is an MFJ return. I presume the I-bond will come back jointly owned ? 4) If your refund is (say) 4297, can you ask for the entire 4297 or only for I-Bond totals that can match a combin...
by Flobes
Mon Jun 29, 2020 8:37 pm
Forum: Personal Investments
Topic: Quick IRA Question before tax deadline
Replies: 7
Views: 420

Re: Quick IRA Question before tax deadline

You could contribute, but it would be non deductible. In general, contributing to a non deductible ira is not recommended unless doing a backdoor Roth. If you have no trad ira, just do a backdoor Roth for the entire amount. Why would it be non-deductible? Chart in this IRS document shows limits to ...
by Flobes
Sun Jun 28, 2020 4:12 pm
Forum: Investing - Theory, News & General
Topic: International Dividends Got Crushed in Q2 2020
Replies: 23
Views: 2771

Re: Total International Q2 Dividend

palanzo wrote:
Sun Jun 28, 2020 3:59 pm
Has anybody else noticed that the dividend for Total International and FTSE ex-USA decreased by about 60% in Q2?
Noticed and explained a few days ago:
International Dividends Got Crushed in Q2 2020
by Flobes
Sat Jun 27, 2020 2:26 pm
Forum: Investing - Theory, News & General
Topic: Quick question regarding delayed SS for brother
Replies: 6
Views: 420

Re: Quick question regarding delayed SS for brother

Go to Amazon. Order Mike Piper's book: Social Security Made Simple. Ship book directly to your brother. Tell him to expect it, and to read it. Then have another conversation with him.
by Flobes
Sat Jun 27, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Close Wells Fargo Savings Account?
Replies: 14
Views: 948

Re: Close Wells Fargo Savings Account?

Is there any point in NOT closing the Wells Fargo Savings Account and moving the $300 to Marcus as well? ... hoping to see if I'm overlooking anything. Keeping a small account at Wells Fargo provides me two customer-only benefits: • Access to Medallion Signature Guarantee • Availability of foreign ...
by Flobes
Fri Jun 26, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: iPhone - puzzling problem
Replies: 13
Views: 1150

Re: iPhone - puzzling problem

LuigiLikesPizza wrote:
Fri Jun 26, 2020 7:17 pm
I recently purchased a new iPhone XR.

...when I call out on the XR, I am told by people I call that the sound is weak and they can't hear me well at all.

Any clues much appreciated.
Volume control set too low on your new phone?

Use "Volume Up" side button during call time on iPhone.
by Flobes
Fri Jun 26, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: Exterior Storm Windows for Noise Reduction
Replies: 30
Views: 1153

Re: Exterior Storm Windows for Noise Reduction

I too had to sleep with noisy neighbors and vinyl windows. I "installed" foam acoustic tiles, sold for music studios. Cut them to size, taped them together, mounted directly against the window. Minimal expense, minimal effort, non-permanent (I might or might not take them down in winter), noticeable...
by Flobes
Thu Jun 25, 2020 4:01 pm
Forum: Personal Investments
Topic: What if we add 10% VTI to 90% of VWINX for 50/50 fund
Replies: 13
Views: 790

Re: What if we add 10% VTI to 90% of VWINX for 50/50 fund

... my concern is the rebalancing every year which I am not good at Math... or have the patience to do, my ideal allocation is 50/50 for my risk tolerance at age 70, ... Wellesley Income Fund Inv has... If you're a lover of Wellesley, then the easiest way to get to 50/50 is to marry it with Welling...
by Flobes
Thu Jun 25, 2020 1:53 pm
Forum: Personal Consumer Issues
Topic: How to locate safe, clean gas stations while traveling
Replies: 38
Views: 2110

Re: How to locate safe, clean gas stations while traveling

My wife and I ... we're concerned about the inevitable fuel stops. Every time you exit the highway for a pit stop can be a roll of the dice. Is anyone aware of any websites that highlight "safe" gas stations along a route? Does "safe" station mean you won't fill up with contaminated gas? If this is...
by Flobes
Thu Jun 25, 2020 2:00 am
Forum: Personal Consumer Issues
Topic: Warm slippers/ socks?
Replies: 21
Views: 1177

Re: Warm slippers/ socks?

You might fund some helpful answers in this previous thread Cold Feet.
by Flobes
Wed Jun 24, 2020 6:01 pm
Forum: Investing - Theory, News & General
Topic: Which is the best "Die Broke" book?
Replies: 17
Views: 1913

Re: Which is the best "Die Broke" book?

I have a good friend who is 71 and has pretty serious health problems. It seems unlikely he will live past 85, but he continues to manage some rental properties which are making him miserable, because he fears he might diminish his assets over time and be broke when he is 95. I would like to at lea...
by Flobes
Wed Jun 24, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Question for the forum
Replies: 3
Views: 542

Re: ACA Question for the forum

2. For ACA income calculations, SSI is not included ? Pensions, 401k,IRA dist are of course (and any W2 income) We're only 60 but wanted to confirm this for later. MAGI for ACA subsidies and cost-sharing benefits includes all income, plus (untaxed) Social Security benefits, plus tax-exempt interest...
by Flobes
Wed Jun 24, 2020 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Estate question re: bank accounts
Replies: 20
Views: 1646

Re: Estate question re: bank accounts

Condolences on your family's loss, and commiserations on the hassles that lie ahead. In my experience, if you go to an institution (or business) in person, they will make a copy of the death certificate as well as the letter of testamentary (from the probate process), and you walk out with your orig...
by Flobes
Wed Jun 24, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes when both on Medicare but not collecting SocSec
Replies: 2
Views: 274

Re: Taxes when both on Medicare but not collecting SocSec

On Medicare, the premium portion can now be directly paid from Health Savings Account... Am I missing anything? Medicare B can be paid directly from HSA, set up by filing Form SF5510 . This can take months to be effected. Medicare D can be paid directly from HSA. You set this up with whatever compa...
by Flobes
Wed Jun 24, 2020 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Moving a coin collection
Replies: 18
Views: 1879

Re: Moving a coin collection

I would consider shipping it Fedex ground, insuring it... FedEx offers declared value coverage, which is not the same as insurance. We sure learned this the hard way. You have to prove the loss, prove the value, prove it happened while in FedEx custody, prove it was FedEx's fault, etc: a string of ...
by Flobes
Wed Jun 24, 2020 11:44 am
Forum: Personal Consumer Issues
Topic: 30" Double-Oven Electric Ranges - input?
Replies: 40
Views: 1432

Re: 30" Double-Oven Electric Ranges - input?

Four years ago, I replaced all appliances in my small kitchen. it is nearly twice the price... Worth the extra price? - we are trying to decide. If you can love an appliance, then I love my 30" range with double oven. Nearly all of my oven use is now in the upper small oven only. So much less exces...
by Flobes
Wed Jun 24, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: 30" Double-Oven Electric Ranges - input?
Replies: 40
Views: 1432

Re: 30" Double-Oven Electric Ranges - input?

Four years ago, I replaced all appliances in my small kitchen. it is nearly twice the price... Worth the extra price? - we are trying to decide. If you can love an appliance, then I love my 30" range with double oven. Nearly all of my oven use is now in the upper small oven only. So much less excess...
by Flobes
Mon Jun 22, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance, Short Term, for 26 Year Old
Replies: 8
Views: 369

Re: Health Insurance, Short Term, for 26 Year Old

In the meantime, he keeps trying to apply for Obamacare, but it sends him to the Pennsylvania (his state of residence and place where he will work) Medicaid site. He's applied for Medicaid, but I'm guessing that his assets will disqualify him. Oddly, the application did not ask about assets...just ...
by Flobes
Sun Jun 21, 2020 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth & Inherited IRA
Replies: 5
Views: 315

Re: Backdoor Roth & Inherited IRA

Am I thinking about the right things here? No. So will this inherited IRA prevent us from doing backdoor Roth's? No. This inherited IRA does not impact wife's ability to do backdoor Roths. The Inherited IRA will actually be titled 'Original Owner" (now deceased) FBO "Wife" as inheritor. And so it d...
by Flobes
Fri Jun 19, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: 36 YO wife getting Medicare related Junk Mail
Replies: 20
Views: 1173

Re: 36 YO wife getting Medicare related Junk Mail

This has been happening for a few years now. She receives a lot of mail that would normally be targeted for... Reduce your junk mail by registering your address with Data & Marketing Association: DMA Choice . $2 registration fee covers 10 years. While you're there, you can also register for DMA's E...
by Flobes
Fri Jun 19, 2020 12:09 pm
Forum: Investing - Theory, News & General
Topic: A cautionary tale about pensions and wages
Replies: 76
Views: 10395

Re: A cautionary tale about pensions and wages

We have heard you should not count pension benefits until the day you receive them Don’t count on your employer to maintain their benefit programs into perpetuity without changes. The benefits you have accrued to date are typically very safe, but anything is possible with respect to benefits offere...
by Flobes
Wed Jun 17, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: Rain barrel questions
Replies: 28
Views: 2366

Re: Rain barrel questions

Some states encourage rain barrels. On the other hand, there are legal restrictions about harvesting rain in quite a number of states. Here in Colorado, under current law, we can have one or two rain barrels, max total 110 gallons, collected from roof downspouts, for outdoor use only, on the same pr...
by Flobes
Wed Jun 17, 2020 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: When does purchasing Umbrella Insurance Coverage makes sense?
Replies: 97
Views: 5929

Re: When does purchasing Umbrella Insurance Coverage makes sense?

My question is when does it make sense to purchase Umbrella coverage? I understand it will definitely give us peace of mind, but in our case, since we are in the accumulating stage and our NW is not too high. does it make sense to spend another ~1k/yr to purchase umbrella coverage? Yes, umbrella in...
by Flobes
Wed Jun 17, 2020 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: I need to get a Will
Replies: 26
Views: 1391

Re: I need to get a Will

Here's my slightly different take. Download will making software. Prepare it. Go thought every step. You will learn what's all involved and what decisions need to be made. While you're at it, go to Five Wishes to start your medical proxy process. Then go to the attorney. You'll save many hours of at...
by Flobes
Tue Jun 16, 2020 5:47 pm
Forum: Personal Consumer Issues
Topic: New Moving Boxes
Replies: 32
Views: 1495

Re: New Moving Boxes

The boxes labeled "dish barrels" or similar are heavy duty double wall, but you don't need that for most packing. We have moved a lot, bought from all those and direct from U-Line. +1 Uline. They are a commercial source of shipping materials, boxes etc. It's easy to open an account. http://www.ulin...
by Flobes
Mon Jun 15, 2020 11:15 pm
Forum: Personal Consumer Issues
Topic: Trip to SLC , Utah
Replies: 27
Views: 1962

Re: Trip to SLC , Utah

Take a multi-day river trip.

Guided raft trip through Cataract Canyon on the Colorado River: wild ride. Or a flatwater canoe trip on the Green River, through Labyrinth Canyon: serenity. Either is an experience of a lifetime.
by Flobes
Sun Jun 14, 2020 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: best way to give away a table saw
Replies: 53
Views: 3220

Re: best way to give away a table saw

I ...want to give away a table saw. It weighs a lot so recipient has to have access to a truck and probably several people to move and lift it. As an incentive I also have a radial saw that is fairly easily portable that I want to give away as a package deal to get people to take the big one. I am ...
by Flobes
Fri Jun 12, 2020 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy: is it worth it?
Replies: 10
Views: 1016

Re: Umbrella policy: is it worth it?

Yes, umbrella insurance protects your assets. At least as importantly, remember that it protects a victim to whom you may have caused harm. Imagine you seriously injured someone in a vehicle accident. It's good to know you have resources available to support their healing. And umbrella insurance wil...
by Flobes
Thu Jun 11, 2020 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: End of year Harvesting impact on ACA next year?
Replies: 9
Views: 571

Re: End of year Harvesting impact on ACA next year?

Welcome to the Forum. I realize that this sudden sale does not appear to be a good idea but I am looking becoming dual US-UK dual resident next year and VBIAX does not have 'UK reporting status' which means that any sale beyond this year would taxed as income not CG in UK so taking a 15% CG hit this...
by Flobes
Wed Jun 10, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: Backyard renovation: lawn vs pollinator garden
Replies: 24
Views: 1416

Re: Backyard renovation: lawn vs pollinator garden

That got me thinking that I want a part of the lawn to be grass for kids to play on but I'd love to make a part of it a pollinator paradise for the bees, butterflies, maybe even frogs and other threatened creatures to thrive in. Ideally with native plants. 1. Are there people here who have done thi...
by Flobes
Wed Jun 10, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: UPDATE: Playing gambling game with EasyJet
Replies: 2
Views: 268

Re: Playing gambling game with EasyJet

fortfun wrote:
Wed Jun 10, 2020 11:56 am
Czech has a 14 day quarantine or proof of negative Covid19 results paperwork.

I can't imagine passengers would quarantine for 14 or provide proof of negative test. Could you?
Do you want to make the trip?

If you believe you are negative, why don't you just go get tested?
by Flobes
Tue Jun 09, 2020 12:02 am
Forum: Personal Finance (Not Investing)
Topic: [New to HSAs - What are my reimbursement limits?]
Replies: 9
Views: 489

Re: [New to HSAs - What are my reimbursement limits?]

Katz wrote:
Mon Jun 08, 2020 5:12 pm
I've just discovered HSAs and plan to set up an account.
Welcome to the Forum.

To start an HSA account, you must be covered by HSA-eligible high-deductible health insurance. There are specific requirements.
by Flobes
Mon Jun 08, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Why can't I get the Vanguard Website.
Replies: 6
Views: 643

Re: Wy can't I get the Vanguard Website.

My laptop works just fine on all other website. But is a no go on the Vanguard Website. It says "Safari Can't Open Page" and "cannot open a secure connection to the server". I had same problem on my MacBook. Started when Vanguard recently "upgraded" its website. But it was also becoming a problem e...
by Flobes
Sun Jun 07, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9574

Re: Amazon Prime Membership Question [Considering to drop membership]

I also do a lot of Kindle reading and enjoy getting a free book each month. Curious, my wife does a lot of Kindle reading as well, but doesn't get a free book each month. Do you know why you are receiving this, or what we'd have to do to get this benefit? Program called "Amazon First Reads" offers ...
by Flobes
Sun Jun 07, 2020 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: IRS (or SS or Medicare or ???) leaving me dazed and confused
Replies: 20
Views: 2280

Re: IRS (or SS or Medicare or ???) leaving me dazed and confused

Yesterday I received a check for $134 from the US Treasury (stamped "soc sec for ins"????), with NO explanation. I have no idea what this check is for. That is close to what my Medicare Part B payments are for 2020, but... $134 was the monthly Medicare Part B payment in 2017 and 2018 (for those not...
by Flobes
Sun Jun 07, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: Wood blind alternatives to Hunter Douglas?
Replies: 11
Views: 727

Re: Wood blind alternatives to Hunter Douglas?

What alternate brands might we look consider in lieu of Hunter Douglas wooden blinds? We would like quality construction and not give the appearance that we were cheap on some blinds and went all out on other blinds. Check out Smith & Noble. S&N frequently runs sales. +1 for Smith & Noble for quali...
by Flobes
Sat Jun 06, 2020 11:55 pm
Forum: Personal Investments
Topic: 10-year TIAA annuity bridge to SS at 70: Is it wise
Replies: 18
Views: 1360

Re: 10-year TIAA annuity bridge to SS at 70: Is it wise

Here's the relevant CO fact sheet: Colorado FYI Income 25: Pension and Annuity Subtraction I wonder if a TIAA transfer payout annuity would be considered "pension/annuity income". I'll ask my TIAA adviser about that. How much of the $37k annuity payout is return of principal and how much is taxable ...
by Flobes
Sat Jun 06, 2020 2:49 pm
Forum: Personal Investments
Topic: 10-year TIAA annuity bridge to SS at 70: Is it wise
Replies: 18
Views: 1360

Re: 10-year TIAA annuity bridge to SS at 70: Is it wise

I’m 60 as of next month and going through pre-retirement jitters... My main Q is whether I can now... sustain myself through my 60s. My tentative plan/idea is to withdraw about $300K of my TIAA Traditional savings in a transfer payout annuity, starting in 2021 (nine annual payments, about $37K each...
by Flobes
Thu Jun 04, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: What cellphone plan do you recommend?
Replies: 60
Views: 3810

Re: What cellphone plan do you recommend?

$15 phone protection per month which I am not sure how useful it is, but my spouse really wants it. There are credit cards that offer phone insurance if you charge the phone bill to the card. I think they all have an annual fee, but probably less than $15*12. Wells Fargo CashWise VISA: • no annual ...
by Flobes
Tue Jun 02, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should my Wife start collecting SS?
Replies: 12
Views: 1281

Re: Should my Wife start collecting SS?

edvest wrote:
Tue Jun 02, 2020 8:00 am
My wife, 64, retired from a public job two years ago.
Does she have a pension from that job?
by Flobes
Tue Jun 02, 2020 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Moving to the US - Social Security
Replies: 22
Views: 1945

Re: Moving to the US - Social Security

I am planning to move to the US with a green card next year... if I did work for 10 more years and accumulate 40 credits, the social security pension will be ... If you will be receiving other pension(s) from other sources, you may be subject to the WEP (Windfall Elimination Provision). ...based on...
by Flobes
Mon Jun 01, 2020 10:44 pm
Forum: Personal Investments
Topic: Small Pension
Replies: 8
Views: 1221

Re: Small Pension

I have a small pension plan with an existing balance of $17,031.13 (age: 60) at my previous work. Is this a pension at a private enterprise? Or is it a pubic pension? Underlying important question is might this small pension subject you to the WEP and GPO, and might early rollover mitigate those im...
by Flobes
Sun May 31, 2020 9:59 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting
Replies: 57
Views: 3184

Re: Tax loss harvesting

Besides the $3k income offset, Is there any advantage to _actively_ selling stock just to TLH? For those who are dancing on the AGI/MAGI line for certain benefits, starting a 1040 with minus $3000 can be very helpful for garnering particular tax credits and meeting some phaseout limits. Examples: q...
by Flobes
Sat May 30, 2020 12:37 pm
Forum: Personal Investments
Topic: Forget ACA subsidies and Max out Roth conversions early?
Replies: 46
Views: 2260

Re: Forget ACA subsidies and Max out Roth conversions early?

...whether or not to convert early (before 65) or starting at 65... My plan has been ACA subsidies until 65. This means we will need to limit our Roth conversions until Medicare eligibility at age 65. Medicare starts at 65. But unless your birthday is at the very beginning of the year, you may not ...
by Flobes
Fri May 29, 2020 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Need help obtaining IRS tax transcripts
Replies: 12
Views: 612

Re: Need help obtaining IRS tax transcripts

My father is unable to obtain his IRS tax transcripts. The service that our accountant and the bank uses to obtain transcripts has shut down due to covid-19... There is one IRS office in our state (AK) and it is closed due to the virus... He has tried to call the IRS 800 numbers but gets a recordin...
by Flobes
Fri May 29, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Windfall elimination provision - What happens if you take another pension early, SS late?
Replies: 11
Views: 1179

Re: Windfall elimination provision - What happens if you take another pension early, SS late?

Let's try a third time. If I start receiving a pension from non-US-government sources^ when I'm 60, to which WEP will apply WEP does not apply to your pension. WEP is a formula that applies to your Social Security benefits because you are eligible for the pension. WEP is an alternative formula used ...
by Flobes
Thu May 28, 2020 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Windfall elimination provision - What happens if you take another pension early, SS late?
Replies: 11
Views: 1179

Re: Windfall elimination provision - What happens if you take another pension early, SS late?

My spouse and I have the option to take a pension from another national government starting when we're each 60 years old, and then beginning to claim SS when I turn 70 years old. Also leaving survivor benefits in the best possible place is another important goal because my wife (who will never rece...
by Flobes
Wed May 27, 2020 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Windfall elimination provision - What happens if you take another pension early, SS late?
Replies: 11
Views: 1179

Re: Windfall elimination provision - What happens if you take another pension early, SS late?

One possibility is that pension money received before claiming social security for which WEP applies is partially "clawed back" by reductions to social security checks after starting social security at age 70, with or without adjustments for inflation that potentially inflate the sum deducted. Anot...