Search found 18 matches

by blacklab
Mon Oct 30, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 4474

Re: European Tours

Coincidentally DW and I recently returned from a Trafalgar tour they call European Whirl. Two weeks and many countries via coach, including all mentioned by OP. This was not inexpensive as many of the highlights were "optional excursions" which increased the cost, and we did them all. However, botto...
by blacklab
Mon Sep 25, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1018130

Re: What Movie Have You Recently Watched?

The Spy Who Came in from the Cold, 1962 with Richard Burton. By way of explanation, before reading John LeCarre's latest, A Legacy of Spies, decided to read the original book, which I had never gotten around to reading. Which led me to renting the film from Amazon. Greatly enjoyed both books and the...
by blacklab
Thu Apr 18, 2013 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with COBRA extension via HCTC ?
Replies: 2
Views: 699

Re: Anyone familiar with COBRA extension via HCTC ?

Thanks TT. I had seen this eligibility information and it was on that basis that I thought we had a pretty clear-cut case for extension, being a PBGC payee. One concern I had was whether it was clear that the extension applies to the spouse of a PBGC payee if the latter has moved on to Medicare. So ...
by blacklab
Wed Apr 17, 2013 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with COBRA extension via HCTC ?
Replies: 2
Views: 699

Anyone familiar with COBRA extension via HCTC ?

Our situation is that while I am retired and recently Medicare eligible, my spouse is younger and continues to be insured under COBRA from my last employer. That 18 month coverage will expire in July 2013 so we were starting to look for individual coverage for the time between August and when ACA be...
by blacklab
Fri Mar 08, 2013 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax and LTCG Issue
Replies: 11
Views: 1017

Re: Turbo Tax and LTCG Issue

In my case I was unable to edit even reimported sale to indicate it was long term. Software overrode the date and continued to treat sale as short term. Had to delete the imported sale and manually enter it, which finally did the trick.
by blacklab
Fri Mar 08, 2013 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax and LTCG Issue
Replies: 11
Views: 1017

Re: Turbo Tax and LTCG Issue

No, that's what is crazy about this. Amount of proceeds was correct, but upon entering an acquired date of more than a year it generated a tax due that was much greater than expected, failing to treat it as a long term gain.
by blacklab
Thu Mar 07, 2013 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax and LTCG Issue
Replies: 11
Views: 1017

Turbo Tax and LTCG Issue

I have noted a few posts regarding Turbo Tax issues but I believe this is slightly different. I imported not only dividend data from Vanguard but a stock sale as well from VBS. The sales date and proceeds were in order and it called for me to input the cost basis and acquisition date (well over one ...
by blacklab
Fri Oct 12, 2012 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal social security question
Replies: 15
Views: 1218

Re: Spousal social security question

Got it! Thanks.
by blacklab
Fri Oct 12, 2012 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal social security question
Replies: 15
Views: 1218

Re: Spousal social security question

Sorry for the confusion, but I think you did decipher and answer my question. That is, no advantage for the lower earning (wife) to delay claiming a spousal benefit past her FRA of 66 in anticipation of husband's higher final benefit (by virtue of his claiming some time after 66) ? Is that correct ?
by blacklab
Fri Oct 12, 2012 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal social security question
Replies: 15
Views: 1218

Re: Spousal social security question

Assuming similar situation as that of the OP, but higher earning spouse plans to hold off claiming benefits beyond age 66. If the spousal benefit never grows beyond 50% of the age 66 amount, is it the case that spouse should not delay beyond 66 even if the benefit will continue to grow for higher ea...
by blacklab
Sat May 19, 2012 6:36 pm
Forum: Personal Consumer Issues
Topic: How to address/fight home owner insurance policy increase
Replies: 33
Views: 2990

Re: How to address/fight home owner insurance policy increas

Many if not most insurance companies are charging for claims under loss history rating plans filed and approved in individual states. However 40% does sound high for a single claim. Additionally a number of states prohibit charging for weather related claims such as hail, so it is definitely worth d...
by blacklab
Fri Jan 06, 2012 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: PBGC Letter
Replies: 5
Views: 921

Re: PBGC Letter

Thanks for the link, very helpful!
Looks like it should be fully covered, though they are a little vague about how it applies for early retirees (like myself).
by blacklab
Fri Jan 06, 2012 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: PBGC Letter
Replies: 5
Views: 921

PBGC Letter

Just received a letter from Pension Benefit Guaranty Corporation advising me that they are now responsible for the pension plan of a former employer. The company (an insurer) went into receivership a couple of years ago. The letter said they will be contacting me further within a few months after th...
by blacklab
Fri Dec 23, 2011 1:04 pm
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 25341

Re: What is your favorite movie?

Amadeus.
McCabe & Mrs. Miller also a favorite.
by blacklab
Mon Nov 28, 2011 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: NUA and Vanguard Brokerage
Replies: 6
Views: 888

Re: NUA and Vanguard Brokerage

Just getting back to my original (first time) post now. I agree there were really 2 separate issues.In my case taking the NUA is pretty clear as the cost basis is even lower than 3% at this time. I will be separating after first of year so all distributions will be in 2012. Thanks to all for the pro...
by blacklab
Sun Nov 27, 2011 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: NUA and Vanguard Brokerage
Replies: 6
Views: 888

NUA and Vanguard Brokerage

Retiring shortly and have a 401(K) with substantial amount of employer stock, eligible for favorable Net Unrealized Appreciation (NUA) tax treatment. Want to transfer the stock into a brokerage account, but don't have a feeling for whether VBS is a good choice. 401 k is now with Principal, but I bel...