Search found 838 matches

by Flobes
Wed Dec 13, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Novel Gift Ideas for Adult Siblings
Replies: 26
Views: 1440

Re: Novel Gift Ideas for Adult Siblings

Get everyone a professional yoyo. Endlessly entertaining. Fun. Smile inducing. Stress relieving. Easy to start; more difficult to master the tricks. Could even be a sibling rivalry competition at future holiday(s). It's the most appreciated gift I've ever given to adults. Amazon, of course, stocks m...
by Flobes
Thu Dec 07, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Roth Conversion vs Healthcare Subsidies
Replies: 15
Views: 1125

Re: Early Retirement Roth Conversion vs Healthcare Subsidies

I decided to do the conversions and forgo the subsidy’s, but it depends on your net worth, amount in your IRAs, projected tax bracket after rmds kick in, etc. I decided to forego Roth conversions and maximize subsidies, saving $18k/year/person of health insurance costs. Pre-ACA, I'd been busy Roth ...
by Flobes
Mon Dec 04, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Self Emp Health Ins Deduction and ACA PTC
Replies: 1
Views: 176

Re: Self Emp Health Ins Deduction and ACA PTC

Boglehead tfb aka The Finance Buff aka Harry Sit has authored a series of articles about self-employment and reconciling ACA subsidies at tax-time: Circular reference for self-employed insurance deduction under ACA Summarizing IRS guidance for self-employed and premiums subsidy How software handles ...
by Flobes
Mon Nov 27, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Insulated shopping bags
Replies: 14
Views: 783

Re: Insulated shopping bags

I routinely use similar insulated bags for refrigerated and frozen foods when grocery shopping. Frozen items provide ample coolth. Ice cream does not melt and items don't defrost on my 40-mile drive home from Costco. Even on warm days, though I do stash them out of sunshine. I do not use the bags as...
by Flobes
Mon Nov 27, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is this worth amending my returns? Contribution tax year details.
Replies: 6
Views: 629

Re: Is this worth amending my returns? Contribution tax year details.

No special perks here. I'm also on the cheapo TaxAct plan; for federal and state I paid $15 in 2015 and $10 for 2016. My recollection is that it was not self-evident how to accomplish it myself, so I called. She said a whole bunch of stuff, and I asked for a slow-down, and she offered detailed assis...
by Flobes
Mon Nov 27, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is this worth amending my returns? Contribution tax year details.
Replies: 6
Views: 629

Re: Is this worth amending my returns? Contribution tax year details.

In 2016, I filed an Amended 2015 return with an Amended 8606, with TaxAct. I discovered the 8606 mishap while pre-working my 2016 return. I called TaxAct. And a very competent, friendly CSR walked me through the process, through the TaxAct labyrinth, step-by-step, while we were conversing via speake...
by Flobes
Sun Nov 26, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to avoid ACA Subsidy failure!
Replies: 18
Views: 1705

Re: Trying to avoid ACA Subsidy failure!

Two issues are presented here by OP. FIRST: How can MAGI be reduced by $4300 to preserve ACA subsidy? * Less Income, earned and other. * Shift some taxable fixed-income holdings that generate interest and/or dividends to IBonds. Interest can be tax-deferred until redemption and is not added to MAGI....
by Flobes
Sat Nov 25, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Apple people: Office 365 or Apple's stuff?
Replies: 14
Views: 991

Re: Apple people: Office 365 or Apple's stuff?

Can Apple Numbers recognize and run macros built into Excel spreadsheets?

For example, the many excellent Excel tools that have been built and shared by brilliant Bogleheads.
by Flobes
Wed Nov 22, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 4222

Re: Public or Montessori Private School

In my community, K-8 Montessori is a charter school, free and publicly funded. Admission is by lottery. A dozen years ago, activist parents made it happen.
by Flobes
Wed Nov 22, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Best vehicle for seniors?
Replies: 73
Views: 6000

Re: Best vehicle for seniors?

My recently retired mother ...90% of her driving is to the store or church. I think she liked how easy it was to get in and out of the car... She lives in an area that gets occasional winter snow, and AWD could be useful. I think a CUV type of vehicle would probably suit her best... she could start...
by Flobes
Sun Nov 19, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Employer offering HDHP but no HSA!
Replies: 3
Views: 428

Re: Employer offering HDHP but no HSA!

My employer is currently offering a High Deductible Health Plan (HDHP) as a choice for the company's medical insurance but ... does not offer any HSA plans to go along with it... I thought HDHP and HSA usually go hand in hand! Not all High Deductible Health Plans (HDHP) are eligible for HSAs. There...
by Flobes
Wed Nov 15, 2017 5:32 pm
Forum: Investing - Theory, News & General
Topic: Taking RMD'S
Replies: 15
Views: 1572

Re: Taking RMD'S

If you have a CD in your traditional IRA (like me), there may be a limit on the partial distribution amount you can take without an early withdrawal penalty. In my IRA, I opened a 5-yr CD and funded it with a generous guesstimate of 5 years of RMDs. The lion's share of that IRA is invested at Vangu...
by Flobes
Tue Nov 14, 2017 2:54 pm
Forum: Forum Issues and Administration
Topic: How to Follow a Post
Replies: 9
Views: 919

Re: How to Follow a Post

Da5id, Where is the little wrench dropdown menu? It is not anywhere on my screen. It seems to me that there was a place at the bottom of a post, as late as yesterday, where you could subscribe or unsubscribe but it is not there today. Before you reply please look at your screens and see if everythi...
by Flobes
Tue Nov 14, 2017 1:33 pm
Forum: Forum Issues and Administration
Topic: How to Follow a Post
Replies: 9
Views: 919

Re: How to Follow a Post

First: 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 boxes for whe...
by Flobes
Mon Nov 13, 2017 12:38 am
Forum: Personal Consumer Issues
Topic: Better way to get rid of old fridge?
Replies: 38
Views: 2567

Re: Better way to get rid of old fridge?

Utility Company +3 Lowes took the old fridge out to the porch when they delivered new fridge: no charge. Called utility company, made an appointment, they picked it up, and paid me $50. Note: Fridge must be plugged and working. OP, Google says this is similarly offered in DC: https://homeenergysavin...
by Flobes
Fri Nov 10, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Transitioning from ACA to medicare
Replies: 25
Views: 1143

Re: Transitioning from ACA to medicare

Can I just stick with the ACA plan until January 1st of 2019 even though she turns 65 in late September of 2018? I think I know the answer (NO) but thought I would ask anyway. :happy She cannot buy ACA insurance with subsidies once she is 65 and Medicare eligible. And she may face some higher Medic...
by Flobes
Thu Nov 09, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Transitioning from ACA to medicare
Replies: 25
Views: 1143

Re: Transitioning from ACA to medicare

I am currently on subsidized ACA (I retired early, and am living on savings). I will turn 65 in May 2019, and intend to transition to Medicare then. I have been careful to minimize the sale of appreciated funds, and to only sell after-tax funds, in order to keep my income low enough. From the persp...
by Flobes
Wed Nov 08, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: Benefits at 55
Replies: 7
Views: 1317

Re: Benefits at 55

Starting at age 55, in my state, up to $20,000/year of "pension" income can be excluded from state income tax. The definition includes the aggregate of pensions, annuities, RMDs from Inherited IRAs, IRA distributions, and Roth conversions. (Amt goes to $24k at 65.) This is a sweet bonus to do some R...
by Flobes
Wed Nov 08, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Time to recover vision from cataract lens replacement
Replies: 13
Views: 716

Re: Time to recover vision from cataract lens replacement

At two weeks, Eye One was blurry and cloudy. I was ready to cancel Eye Two cataract surgery. The ophthalmologist and assistants reassured me this was OK and not atypical. I can't remember how long it took, but both eyes did adjust eventually. Visit and talk to your doctor. Our anecdotal reports are ...
by Flobes
Wed Nov 08, 2017 1:09 am
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4958

Re: What do you do to keep your mind sharp?

Killer Sudoku and Greater Than Killer Sudoku online:
Killer Sudoku
by Flobes
Tue Nov 07, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: has anyone withdrawn/redeposited from their Vanguard Roth account?
Replies: 2
Views: 247

Re: has anyone withdrawn/redeposited from their Vanguard Roth account?

I've read that it's possible to withdraw your Roth contributions for the year and redeposit them back in before April. I'm not a fan of treating a Roth account like an ATM. That said, read yesterday's thread about how this can go wrong if not handled right: How Can I Return Withdrawn Roth Contribut...
by Flobes
Mon Nov 06, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: all bronze and silver plans have deductibles?
Replies: 15
Views: 1389

Re: all bronze and silver plans have deductibles?

My guess: Your current 2017 plan, based on your income, includes both subsidies that lower the premium price and cost-sharing benefits that reduce the deductible to zero. But, for 2018, that same insurance plan no longer grants cost-sharing benefits, even though your income is the same. So deductibl...
by Flobes
Fri Nov 03, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: HSA reimbursement post retirement
Replies: 24
Views: 1662

Re: HSA reimbursement post retirement

^Yes, I'm expecting that audit no sooner than 2019. I've made detailed spreadsheets and melded my folders into a lovely binder, and all will sit on a shelf in the basement until summoned.
by Flobes
Fri Nov 03, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: HSA reimbursement post retirement
Replies: 24
Views: 1662

Re: HSA reimbursement post retirement

Last year, when I turned 65, I set Medicare B and D payments on auto-payment from my HSA. And because, as OP notes, HSA is unfriendly to beneficiaries, I also withdrew some monies for the first time, for historic reimbursements. My plan was to empty my HSA, funded 2010-2014, by age 70. Recently, whe...
by Flobes
Fri Nov 03, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Is Roth Conversion always better than using current income?
Replies: 22
Views: 1731

Re: Is Roth Conversion always better than using current income?

Plus: A Roth contribution qualifies for the Savers Credit; a Roth conversion does not.
by Flobes
Tue Oct 31, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: HSA or PPO When Possibly Leaving Employer and Going on the ACA Exchange
Replies: 4
Views: 435

Re: HSA or PPO When Possibly Leaving Employer and Going on the ACA Exchange

Can you use any portion of the HSA to pay for premiums (subsidized or not) or co-pays or the deductibles of an ACA health insurance plan? Premiums, no. Deductibles & copays, yes. And now that I would be unemployed, could I ... You can use your HSA to pay premiums, if you are collecting state or fed...
by Flobes
Tue Oct 31, 2017 9:33 am
Forum: Forum Issues and Administration
Topic: How to "follow" a thread of BH
Replies: 20
Views: 2303

Re: How do you follow your posts on BH?

David Scubadiver 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 optio...
by Flobes
Mon Oct 30, 2017 9:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 128
Views: 6653

Re: To Avatar or not to Avatar . . how did you choose or not choose?

I arrived here on the Forum just after my sister stole some of my inheritance, and I was reading Wiesenthal's The Sunflower: On the Possibilities and Limits of Forgiveness.

"Every picture tells a story, don't it!"
by Flobes
Sat Oct 28, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15435

Re: What was the main reason you retired?

6) Forced into retirement
It was 2008, and job evaporated ...

10. And I got surprise inheritance.
by Flobes
Sat Oct 28, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions for a single retired guy
Replies: 3
Views: 459

Re: Roth Conversions for a single retired guy

Also depends on if and how your state taxes the Roth conversion. In my state, some "pension income" is exempt from taxation ($20,000 55-65; $24,000 65+), and Roth conversions are included in this state definition. Once you take SS at 70, it fills this state-exempt bucket. So there's an advantage to ...
by Flobes
Sat Oct 28, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Need a good cover crop recommendation for home garden
Replies: 20
Views: 1565

Re: Need a good cover crop recommendation for home garden

... and onions are super easy to grow. Carefree almost. When I want to fill my raised beds with very little effort and great results, I grow onions. Marvelous onion starts, plus all the resources you'll need to become an "onion farmer" in your garden bed: Dixondale Onions Very reasonably priced, gr...
by Flobes
Fri Oct 27, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Medical Billing question
Replies: 17
Views: 1228

Re: Medical Billing question

...she received two invoices from New; one for the imaging, one for the doctor appointment. These invoices total close to $500... New insists the follow up is not covered under the free annual mammograms, that the follow up was necessary, and that they have no record of their doctor stating the fol...
by Flobes
Wed Oct 25, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 4294

Re: How to get over the fear of traveling without spouse and children?

Any thoughts on how to look at this differently so I don't miss out on travel opportunities? One: Your mom will not live forever, and her health may decline. Either is certainly way more likely for her than for you. Celebrate adventures together. Do not have regrets when she ages or passes. Two: Te...
by Flobes
Wed Oct 25, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: Treating an inherited spousal IRA as your own
Replies: 6
Views: 740

Re: Treating an inherited spousal IRA as your own

New article from Michael Kitces, published today. Very detailed and comprehensive.
Spousal Rollover Rules for Inherited IRAs
by Flobes
Tue Oct 24, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Cold feet
Replies: 23
Views: 2425

Re: Cold feet

Put cayenne pepper in your socks. Your toes will be toasty. This is an timeless, effective, low-cost, cowboy tradition.

Hand wash the socks, so your entire laundry doesn't turn rust-colored. Ruddy coloration of your feet will wash off in the shower.
by Flobes
Sun Oct 22, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Shedding Trees
Replies: 24
Views: 1345

Re: Shedding Trees

Sandtrap wrote:
Sun Oct 22, 2017 7:01 pm
In Hawaii, you "want" your neighbor's mango tree to overhang your property, and his guava tree, and his lychee tree :D
By law, the fruit of the tree belongs to the owner of the tree. Even if it overhangs in your yard. Local laws and courts vary on who can eat the fallen fruit.
by Flobes
Sun Oct 22, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Shedding Trees
Replies: 24
Views: 1345

Re: Shedding Trees

My neighbor has quite a number of trees that shed limbs and branches all the time... I've called him to ask that he clean up after his trees and he refuses, saying that it isn't his responsibility for what the trees do... The tree roots are interfering with my lawn sprinkler system as well... What ...
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: 514

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: 43
Views: 4013

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: 43
Views: 4013

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: 43
Views: 4013

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: 723

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: 60
Views: 5101

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: 60
Views: 5101

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: 2127

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: 60
Views: 5101

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: 3036

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: 1672

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: 1217

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: 658

Re: Is a death certificate needed for direct transfer?

Maybe. Depends on receiving institution. Requirements vary. That was my experience.