Search found 790 matches

by TBillT
Mon Nov 11, 2019 8:17 am
Forum: Personal Investments
Topic: Money Market yields dropped a lot!
Replies: 7
Views: 2014

Re: Money Market yields dropped a lot!

We still have the Vanguard US Treasury MMF (which we still own but I realize may not be available now) is about the same yield as Prime, so I am using the USTreas MMF for the state tax deduction.

Need to monitor the tax free MMF to see if that is getting better relative to the others.
by TBillT
Sat Nov 09, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity - promotion bonus
Replies: 43
Views: 6191

Re: Fidelity - promotion bonus

Yoy gotta figure if someone is offering that bonus, they need to get the money. I'd rather see Fido give better money market rates. We happen to be moving some funds over to Fido, I will ask if I think we qualify, but sounds like slim pickens. We did get 250 free trades which is now superceded. I gu...
by TBillT
Fri Nov 08, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Stock Cost Basis for Sales
Replies: 5
Views: 432

Re: Stock Cost Basis for Sales

The trustee not only should give you the bases but should have liquidated these holdings years ago. Gill Unfort Gil our Trustee firm had to do a court case to get access, and that took a year, and then it turned out they made a mistake, had to go back to court again. For some reason the Trustee fir...
by TBillT
Fri Nov 08, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Stock Cost Basis for Sales
Replies: 5
Views: 432

Re: Stock Cost Basis for Sales

The accounting firm I do some work for uses this software to generate accurate cost basis for stocks as part of estate return work, and having accurate cost basis for inherited stocks. It looks like you can download the software and use it, it's $2.20 per security... but I'd ask the trustee why the...
by TBillT
Fri Nov 08, 2019 1:41 pm
Forum: Investing - Theory, News & General
Topic: Long Term Bonds getting killed today
Replies: 79
Views: 9632

Re: Long Term Bonds getting killed today

I buying some TLT on dips
by TBillT
Thu Nov 07, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Claiming
Replies: 22
Views: 3213

Re: Social Security Claiming

It seems like appointment is better for restricted appl per Lady Geek advice above. If you make appointment, you should be able to get in there. Re: oniine applic, you may have missed an email from the SS office, becuase normally we got an email way before the letter. Then you have to decide if the ...
by TBillT
Thu Nov 07, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Stock Cost Basis for Sales
Replies: 5
Views: 432

Stock Cost Basis for Sales

We inherited some in-kind stocks unfort a big mish mash of small positions in lousy quality stocks, so we are selling the positions once we get them. A number of the stocks have had mergers/splits/spin-offs etc. since the date of our loved ones death several years ago, which in some cases makes the ...
by TBillT
Thu Nov 07, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 122
Views: 9263

Re: Turbotax 2019 on Amazon

I qualified the free Fidelity last year but it took them a long time to offer it, so I bought it too. I guess you can return but I waited a little too long last year.
by TBillT
Thu Nov 07, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: New Bosch dishwasher already faulted
Replies: 22
Views: 2297

Re: New Bosch dishwasher already faulted

We ended up with the Bosch 300 series...wish us luck!

I would have gone with KitchenAid but the color I liked (blackeded SS) was almost $300 more so the heck with it.
My significant other was in panic mode, so had to move fast.
by TBillT
Tue Nov 05, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: New Bosch dishwasher already faulted
Replies: 22
Views: 2297

Re: New Bosch dishwasher already faulted

We are needing new dishwasher ASAP....thinking Kitchenaid but hard to pick these days.
by TBillT
Wed Oct 30, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 3593

Re: Anyone have an issue with Corelle plates?

Complete hearsay, but I thought I heard Corelle was changed formulation and there was some problem if you take hot out of oven and place say on a wet surface may crack. we have the old stuff.
by TBillT
Thu Oct 24, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 5450

Re: Does the Average Homeowner Need a Water Shut Off Valve

Not a bad idea pending more research. We had a crazy thing happen last summer, when we went on vacation, I manually turned the house water off. For some reason this caused a flood in my kitchen, apparently there is a valve in dishwashers which requires pressure to keep it closed. In the lack of wate...
by TBillT
Mon Oct 21, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: OpenSocialSecurity.com
Replies: 7
Views: 1441

Re: OpenSocialSecurity.com

Ages I assume are critical, sounds like the OP turned 65 in 2019, so just missed the restricted appl opportunity that would apply for those 65 before 2-Jan-2019. But maybe the spouse was 65 before 2019, so would qualify? Yes, month/year of birth is a critical input. In this case though restricted a...
by TBillT
Mon Oct 21, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: OpenSocialSecurity.com
Replies: 7
Views: 1441

Re: OpenSocialSecurity.com

deleted
by TBillT
Sun Oct 20, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Claiming
Replies: 22
Views: 3213

Re: Social Security Claiming

I've recently attended a local Bogleheads chapter meeting which discussed how to claim Social Security benefits. In each case, it was much better to make an appointment in person. First, they had nothing but praise for the quality of the discussions. The Social Security people answered all of their...
by TBillT
Mon Oct 14, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Chair Lift for Mom visits
Replies: 6
Views: 872

Re: Chair Lift for Mom visits

lthenderson wrote:
Mon Oct 14, 2019 8:43 am
They do make mobile chair lifts for stairs that are less in cost than permanently mounted ones. They do require another person to move it up and down the steps however.
That's interesting option. I guess it has motorized roller track.
https://www.youtube.com/watch?v=QhBhuuoeyd4
by TBillT
Mon Oct 14, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Chair Lift for Mom visits
Replies: 6
Views: 872

Re: Chair Lift for Mom visits

Thanks all!!
by TBillT
Sun Oct 13, 2019 7:36 pm
Forum: Personal Investments
Topic: Best Option to Sell Long Held Individual Stock
Replies: 20
Views: 1705

Re: Best Option to Sell Long Held Individual Stock

Basically if you can keep low income on your Form 1040, you can sell quite a bit of stock and pay low federal taxes. However, your state may want a tax which can easily be the biggest tax. Not sure how living trust impacts this. What you can also do is sell the higher priced shares, so you do have a...
by TBillT
Sun Oct 13, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Chair Lift for Mom visits
Replies: 6
Views: 872

Chair Lift for Mom visits

Any different ideas for a chair lift that would only be used for when mom visits? I guess rental is avaiible but if we are talking several trips per year, just better off getting a lift. But not sure if there something like a chair that comes off for storage or anything like that. I think we can get...
by TBillT
Sat Oct 12, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: 2020 Social Security COLA will be 1.6%
Replies: 13
Views: 2101

Re: 2020 Social Security COLA will be 1.6%

One thing to keep in mind this time of year is the PIA calcs from SS may not yet include the 2020 COLA. I like the ANYPIA spreadsheet from SS which is a little more clear on what years COLA's are included in the PIA calc.
by TBillT
Thu Oct 10, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 36
Views: 3408

Re: Consumer Reports

duplicate
by TBillT
Thu Oct 10, 2019 9:34 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 86
Views: 8895

Re: Fidelity to $0 Commissions

Ah good...we have bunch of trades coming up...

I am may need tax help this year from someone who knows how to do stock cost basis real well for a whole bunch of small lackluster stocks some of which are hard to calc base value due to mergers spin-offs etc
by TBillT
Wed Oct 09, 2019 5:18 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 36
Views: 3408

Re: Consumer Reports

We still get CR.
I feel like they are little more political these days.
When we bought our Prius in 2006 it was like every issue was saying how dumb that was financially.
But they got religion now and to some extent I miss the old CR.
by TBillT
Wed Oct 09, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Premiums when collecting Social Security benefits
Replies: 7
Views: 1097

Re: Medicare Premiums when collecting Social Security benefits

Long story short, you may have to pay the Medicare premium even though your SS will start soon. A few months later SS will send you a very nice looking check from Uncle Sam to reimburse any over payment. Don't ask me what month that is for, I give up. We did this 2x this year and the most recent rei...
by TBillT
Wed Oct 09, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Solar without tax benefits?
Replies: 6
Views: 561

Re: Solar without tax benefits?

They call us the DMV (DC Maryland Virginia)
So I think you are trying to protect your location.
To date Virginia has been less proactive, preferring utility owned solar.
But there are programs...some are doing, I think there is some net meter to a low level of households.
by TBillT
Tue Oct 08, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3682

Re: 2010 Prius totaled.... Now what?

greg24 wrote:
Tue Oct 08, 2019 7:59 pm
Thanks, everyone. The car is a loss and we're still waiting on their offer.

We're leaning towards replacing with a hybrid rav4.

:sharebeer
Of course me too on RAV4...new one though I like the 2019+ best?
Now you're talking though...chance here to upgrade a notch
by TBillT
Tue Oct 08, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 4884

Re: Would or should you tip AAA road assistance?

I just did tip the AAA road repair guy...he was not expecting...he wanted good rating but I never saw a rating form. He did good job.
Crazy trip I had 2 unrelated breakdowns and felt bad for not tipping the first repair shop, so I did tip the AAA guy.
by TBillT
Tue Oct 08, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7724

Re: Should I sell or keep my 5 year old depreciated Tesla

Did not see Ca HOV discussion above New Telsa or plug-in in CA gets you free HOV, unless you never got the sticker for this car, in which case that adds value to your car becuase it still qualifies, and someone would buy it for that reason. Not sure best way to play that angle but you can judge. Not...
by TBillT
Tue Oct 08, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3682

Re: 2010 Prius totaled.... Now what?

Well I was surprised they fixed my 2006 Prius vs. total but we did not have front end damage. 2010 has some minor concerns (oil loss etc) being the first year of Gen3, so see if you can swing a newer Gen3 or Plug-In Prius PiP (the older one). I would not mind the newest used PiP or newest used v (wa...
by TBillT
Tue Oct 08, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1390

Re: Hybrid w/CVT or Non-Hybrid 8 speed

Re: MPG
I think the latest RAV4 Hybrid (2019) had a nice bump up in EPA MPG.
It seems Toyota always takes a few years to optiimize MPG. I recall Camry Hybrid had about 33 MPG in 2006 now it is 50 MPG.
RAV4 is now very good fuel savings I would say for size of vehcile.
by TBillT
Tue Oct 08, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Hybrid w/CVT or Non-Hybrid 8 speed
Replies: 23
Views: 1390

Re: Hybrid w/CVT or Non-Hybrid 8 speed

Hybrid RAV-4 would be on my list -- not sure about my better half's list. The Toyota hybrid system is quite reliable, and you can just forget about it. Our 2006 Prius in approaching 200k miles no new brakes yet, so I would look at fuel savings and low maintenance. I am not sure if the RAV4 has the l...
by TBillT
Sat Oct 05, 2019 11:04 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15869

Re: How many are switching from Fidelity?

Good question....the other thing to look at might be money market fund performance. Right now FiDo is givng us lots of free trades re: moving money over there which we just happen to be doing due to an inheritance of a whole bunch of small stock positions...so right now that is OK. I do nothing shor...
by TBillT
Fri Oct 04, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: SS Question -- Timing of PIA Calculation
Replies: 19
Views: 1024

Re: SS Question -- Timing of PIA Calculation

The other thing soon we get the 2020 COLA adjustment, I am thinking est. to be 1.8% this year.
I found the ANYPIA tool to be very useful checking the PIA calc basis, which I had questions about, and more clear about what COLA adjustments were added.
by TBillT
Fri Oct 04, 2019 2:20 pm
Forum: Personal Investments
Topic: Lump sum vs Pension
Replies: 20
Views: 2079

Re: Lump sum vs Pension

In our workplace the lump sum was popular in recent years due to low interest rates which payout a nicely larger lump sum amount. There was a retirement plan change for the younger age group 50-ish and below so I am not sure if that impacted the choice. But basically it is hard to say now what will ...
by TBillT
Wed Oct 02, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating expected SS benefits if already collecting spousal benefits
Replies: 16
Views: 1070

Re: Calculating expected SS benefits if already collecting spousal benefits

I used ANYPIA also and I felt it was very very good tool. Without that, I found it hard to understand Social Security's annual PIA statement, which does not really explain what cost of living COLA factors have been used. This time of year, when there are COLA changes announced, and you are wondering...
by TBillT
Sat Sep 28, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Aruba in Dec
Replies: 13
Views: 960

Re: Aruba in Dec

We like Aruba...once in Marriott resort and once in a rental house near the Marriott. Snorkling is great you can take a tour boat or go yourself off the beach at the end of island there by the lighthouse. In the latter case get some snorkle gear off Amazon before you go. Saw a big barracuda looking ...
by TBillT
Tue Sep 24, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Inside dishwasher smells after cleaning dishes...
Replies: 24
Views: 1436

Re: Inside dishwasher smells after cleaning dishes...

The flex plastic hose out to the disposal needs to loop up and be secured high up under the sink, higher than the inlet to the disposal, to prevent backflow of vapors/liqiuids
by TBillT
Tue Sep 24, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Canada -> USA tax implications
Replies: 19
Views: 1152

Re: The US is more expensive to be self-employed than Canada

S And then if you work for a company, they pay half of that SS for you, but if you work for yourself you have to pay the whole amount ... Lets talk compensation rather than salary. The half the company pays is part of the employee's compensation. In theory, if the company stopped paying the half, e...
by TBillT
Tue Sep 24, 2019 8:31 am
Forum: Personal Investments
Topic: Heavy Loss in Stable Value Fund of 401k investments
Replies: 46
Views: 8406

Re: Heavy Loss in Stable Value Fund of 401k investments

Although stable value funds and probably money market funds can lose money, it is rare except in extreme market situations like 2008. It would probably be big news to "break the bank". So I am not sure excatly what is going in these cases, but if it is a terrible fund gone bust we probably ought to ...
by TBillT
Tue Sep 24, 2019 8:20 am
Forum: Personal Investments
Topic: SS Claiming options
Replies: 5
Views: 622

Re: SS Claiming options

We are exact same age and we used OpenSocialSecurity.com I am deferring but just filed for restricted to get 50% of spouse, Spouse is taking now. I cannot over-emphasize the importance of using the OpenSocialSecurity.com tool for those of us born 1953 and earlier Those born after Jan-2-1954 lost som...
by TBillT
Mon Sep 23, 2019 10:20 am
Forum: Personal Investments
Topic: Current 401K does not allow rollover
Replies: 12
Views: 726

Re: Current 401K does not allow rollover

I am not sure if any 401k plan allows rollover when you are working.
Taking money out when you are employed is better known as withdrawal or loan.
I do know what a stinky 403b plan looks like...my wife had one we owed 5% load for each investment.
by TBillT
Sun Sep 22, 2019 7:35 am
Forum: Personal Investments
Topic: Donor-Advised Funds (DAFs)
Replies: 25
Views: 1637

Re: Donor-Advised Funds (DAFs)

It also gets into state taxes, for example with TCJA some states such as Virginia and Maryland are hitting taxpayers harder who take the Federal Standard Deduction, by disallowing them to itemize on state return. So for many taxpayers with the new SALT limits, you might be satisfied to take the new ...
by TBillT
Sun Sep 22, 2019 7:23 am
Forum: Investing - Theory, News & General
Topic: why buy bonds if interest rates become negative
Replies: 26
Views: 3113

Re: why buy bonds if interest rates become negative

Short answer- you buy for capital gains if the interest goes lower you make money
by TBillT
Sun Sep 22, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Canada -> USA tax implications
Replies: 19
Views: 1152

Re: The US is more expensive to be self-employed than Canada

Self employed in USA are hit pretty hard in the $100-$150k range. A while back, I was going to do an essay on this but the TCJA (Trump tax cuts) helped the self-employed quite a bit. We have the Social Security structure that hits lower income people hardest up to $132k, which is a part of it. And t...
by TBillT
Sun Sep 22, 2019 7:13 am
Forum: Personal Finance (Not Investing)
Topic: State Taxation of Federal Money Market Funds?
Replies: 7
Views: 584

Re: State Taxation of Federal Money Market Funds?

Every state has different rules.
You need to look up what your state allows.
It is a fairly complex list when you consider all of the differnent types of Farm Credit bureaus bonds and all that stuff.
by TBillT
Sat Sep 21, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Underground propane tank for fuel for generator for power to house
Replies: 27
Views: 1458

Re: Underground propane tank for fuel for generator for power to house

I also was not aware of the burried propane tank idea. I do not think they put mercaptan smell in the propane grill tanks, do they? Do they put the RSH smell in generator propane? Us Prius owners figure we have a generator as our vehicle...gotta buy an inverter and hook it up to your 12v battery. My...
by TBillT
Sat Sep 21, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone converted paper I-Bonds to electronic?
Replies: 36
Views: 3661

Re: Has anyone converted paper I-Bonds to electronic?

The paper I-bonds are registered to my elderly mother. Does anyone know if these can be redeemed at a bank by myself with power-of-attorney, or does the owner have to be present? This would be rather difficult. Also, I think I heard somewhere on the forum that it's difficult to redeem these at any ...
by TBillT
Wed Sep 18, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 8122

Re: Alternatives to Subaru Outback?

For some reason, AWD is very popular in Japan.
So now for example 2019+ Prius has AWD in America, which is easy for Toyota since Prius chassis is built for that AWD option.
by TBillT
Mon Sep 16, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3298

Re: Used Tesla S or new Tesla 3?

As someone noted above the state of residence (HOV in Ca. etc) can make a difference in the choice due to incentives.
by TBillT
Mon Sep 16, 2019 7:59 pm
Forum: Personal Investments
Topic: 401-K versus Social Security
Replies: 26
Views: 2161

Re: 401-K versus Social Security

We went by OpenSocialSecurity.com as suggested....I am deferring but little older than you so I can get spousal in the meantime.