Search found 988 matches

by Flobes
Tue Nov 13, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 33
Views: 1447

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

Santa brought me a Fitbit Alta HR last year.

It's still in the box.
by Flobes
Wed Nov 07, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: How much to donate to local police and fire department?
Replies: 23
Views: 1764

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

How much to donate to local police and fire department? Got letters asking to donate to both. The fire department is volunteer run ( not sure what exactly that means ). I plan to give $50 to each. But not sure if I should give more? What criteria would you use to determine the amount? I donate to o...
by Flobes
Sun Nov 04, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 6052

Re: Do I need more than Original Medicare?

I plan to go with Original Medicare for a year, and then reassess. Different states have different rules. You may be subject to medical underwriting to get Medicare supplement outside of this initial enrollment window. So when something happens and you need the additional coverage, you may not be a...
by Flobes
Sun Oct 28, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: If On Medicare Before SS, How Do You Pay?
Replies: 40
Views: 3157

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

If a credit card is used, can one then reimburse oneself from the HSA account obtaining the best of both worlds - the 2% cash back and the tax free deduction? Yes you can, but keep your records for seven years in case of an audit. Yes: You can reimburse yourself from your HSA for Part B payments yo...
by Flobes
Sun Oct 28, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: If On Medicare Before SS, How Do You Pay?
Replies: 40
Views: 3157

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

If you are on Medicare before starting Social Security, how do you pay your premiums? I believe the bills they send can be paid by check or credit card. They also seem to have a way to switch to direct deposit. What do you use and why? Is their some advantage(s) in using a particularly method? I us...
by Flobes
Tue Oct 23, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH in 12% bracket less worthwhile?
Replies: 22
Views: 1823

Re: Is TLH in 12% bracket less worthwhile?

Tax loss harvesting in the 12% bracket can be particularly advantageous when lowering your AGI (by up to $3000) makes you eligible for tax benefits like higher ACA subsidies, Savers credit, etc.
by Flobes
Fri Oct 19, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Social Security Windfall Elimination Provision (WEP) question
Replies: 6
Views: 607

Re: Social Security Windfall Elimination Provision (WEP) question

QUESTION: Can I avoid the WEP If I take the lump sum withdrawal out of an old pension program and close the account rather than waiting and taking the monthly pension? Here's the relevant document from Social Security POMS: Determining Pension Applicability, Eligibility Date, and Monthly Amount It ...
by Flobes
Fri Oct 12, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions about age 66 to 70 Roth Conversions - up to 12% or 22% bracket
Replies: 12
Views: 879

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

I am attempting to decide between doing Roth conversions up to the 12% tax bracket or up to the 22% tax bracket in my first 4 years of retirement before I collect SS at 70... What are factors that I should take into account to make this decision on what tax level to maximize conversions? You are a ...
by Flobes
Wed Oct 03, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: not married in community property state
Replies: 9
Views: 1033

Re: not married in community property state

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

Are you cautious about advantage for their mother?

Are you hopeful for advantage for their father? Is he a wannabe deadbeat dad?
by Flobes
Mon Oct 01, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3412

Re: Struggling with Medicare Plan G vs Plan N

Would you go with Plan G and not have to deal with the $20.00 copays and excess charges or Plan N? Excess charges might be a really big deal. This seems way more important than the convenience or inconvenience of copays. There are two ways to avoid excess charges: * Only see doctors who accept Medi...
by Flobes
Thu Sep 20, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card spending $20000
Replies: 10
Views: 1879

Re: Credit card spending $20000

Alliant Credit Union, VISA Signature Card. Alliant Credit Union VISA Signature Card First year: 3% cash back on everything (no limits), no foreign transaction fees, annual fee waived. After: 2.5% cash back, $59 annual fee, (cancelable). There have been several Forum threads about this card. It's tar...
by Flobes
Thu Sep 20, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1387

Re: Painting kitchen cabinet

Quoting myself from an earlier thread about painting kitchen cabinets. I remain delighted, a year and a half later. I'm in the midst of repainting all the cabinets in my home. I'm using a cabinet paint product that combines primer and paint. Nuvo Cabinet Paint. Available many places, and stocked at ...
by Flobes
Tue Sep 18, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages - Pros, Cons
Replies: 55
Views: 3991

Re: Reverse Mortgages - Pros, Cons

Wade Pfau wrote the book, "Reverse Mortgages: How to use Reverse Mortgages to Secure Your Retirement." Be sure to get the revised, 2018 edition.
by Flobes
Tue Sep 18, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25499

Re: What is your single most expensive mistake?

Single most expensive mistake?

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

Ouch!
by Flobes
Sat Sep 15, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2501

Re: Rain Jacket recommendations and care

...I'd like something that is light weigh, breathable and can be easily stuffed into a hydration pack... I hope ladies will chime in, I too am looking for a rain jacket. Red Ledge. Jakuta. @$80: Available for Women and Men. ($55 for Boys and Girls sizes.) Amazon, REI, etc. Nylon. Waterproof. Breath...
by Flobes
Wed Sep 05, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Pay for Medical Costs with HSA or Savings?
Replies: 15
Views: 1090

Re: Pay for Medical Costs with HSA or Savings?

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

jeam3131 wrote:
Wed Sep 05, 2018 8:09 pm
Or does it have to be new medical expenses?
No.
by Flobes
Wed Sep 05, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Pay for Medical Costs with HSA or Savings?
Replies: 15
Views: 1090

Re: Pay for Medical Costs with HSA or Savings?

I'm about to get a medical procedure that costs around $4,800 that won't be covered by insurance. I can use the money in my HSA to pay for the procedure, or I could use the money in my savings to pay for it and keep the money in the HSA and invest it instead. I'm a bit worried about dipping into sa...
by Flobes
Tue Aug 07, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: New Medicare cards. Get yours?
Replies: 25
Views: 2580

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: 759

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: 1122

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: 1058

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: 631

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: 2079

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: 14404

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: 2079

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

Fire is the bane of The West. If you want to visit, spring through autumn, there will likely be fires. Colorado is a very big state. You will enjoy your travels, even while some areas are ablaze. Smoke will not be your problem, because you'll avoid fiery areas. You may witness the spectacular glowin...
by Flobes
Sat Jun 30, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: switching between AARP Medigap plans
Replies: 27
Views: 2990

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: 168
Views: 20994

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: 3769

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: 913

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: 804

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: 2151

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: 52
Views: 5923

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: 52
Views: 5923

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: 2261

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: 729

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: 1761

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: 30
Views: 4783

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: 5166

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: 1143

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: 1334

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: 44
Views: 3742

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: 2077

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: 1223

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: 507

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: 3842

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: 11979

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: 3489

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: 10284

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: 10284

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...