Search found 109 matches

by szmaine
Wed Jan 27, 2016 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Who came closest to a $0 [taxes due]?
Replies: 62
Views: 5880

Re: Who came closest to a $0 [taxes due]?

Fed = -3000 State = -200 Having inherited a modest amount of money in 2014, I increased my retirement (403b/457b) contributions to reduce my earned income to the maximum EITC level for my filing status. I'm pretty happy with the result, it's about a 12% return on the $ I invested (above what I norma...
by szmaine
Sat Jan 16, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 7398

Re: Pizza Stone / Homemade Pizza Advice

I bought a kettle pizza insert for my weber grill. It lets you slide the pizza into the grill without taking the top off and losing heat. I take 4-5 pieces of oak and lay in the back of the weber and let them burn. The grill gets up to about 800 degrees. I use a standard plain ole pampered chef sto...
by szmaine
Sat Jan 16, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 7398

Re: Pizza Stone / Homemade Pizza Advice

Teague wrote:Half-inch sheet rolled steel, scrap bought for 75c/lb at local steel yard. Guaranteed not to break!
pizzamaking.com, a great resource for the home pizzaiolo.
+1 Excellent resource!
by szmaine
Sat Jan 16, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 7398

Re: Pizza Stone / Homemade Pizza Advice

I read about the pizza steel but wasn't going to fork over $100 for it. I found a local steel yard and got piece of 1/4" cold rolled cut to fit my oven for a mere $13. You need an inch or two space side to side for circulation, front to back takes care of itself being limited to fitting on the ...
by szmaine
Fri Jan 15, 2016 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance question as sole beneficiary
Replies: 32
Views: 5835

Re: Inheritance question as sole beneficiary

I guess I'd be worried about my relationship with my sibling if I did not share it personally. If you can't think of a reason maybe there isn't one, perhaps it was just an oversight... Have the 50/50 assets been dispersed already? It seems to me that it would be easier to compensate him from another...
by szmaine
Fri Jan 15, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Tax help? - Weird situation.
Replies: 5
Views: 655

Re: Estate Tax help? - Weird situation.

Hi szmaine, I'm sorry for your loss of your husband. I hope you are doing OK. Regarding the cost basis. The cost basis is the value of the property on your husband's DOD. Is this the correct sequence of events? Mother-in-law acquires property. Mother-in-law dies. Property deed transferred to 4 sibl...
by szmaine
Fri Jan 15, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Tax help? - Weird situation.
Replies: 5
Views: 655

Re: Estate Tax help? - Weird situation.

Oh, I see I called it an estate tax return which is what Form 706 is actually called - I had no idea :oops: and was just using the words conversationally, not literally. Form 1041 is called US Income Taxes for Estates and Trusts - one uses schedule D for long/short term capital gains.
by szmaine
Fri Jan 15, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Estate Tax help? - Weird situation.
Replies: 5
Views: 655

Re: Estate Tax help? - Weird situation.

Thanks for the info, bsteiner - but I think you are mistaken regarding the form...that is only for estates in excess of 5+ million or whatever it is. The amount realized from sale of the property (1/4 share) was only about $100K. I just need to file 1041 for the capital gains on the proceeds there a...
by szmaine
Fri Jan 15, 2016 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Estate Tax help? - Weird situation.
Replies: 5
Views: 655

Estate Tax help? - Weird situation.

Hi Peeps- I have to file an estate tax return for 2015 for my late husband. I understand that I have to use Form 1041 with schedule D for capital gains on the sale of real estate (that is the only income there was) - but so far that's all I know about it, looks pretty confusing. But for starters let...
by szmaine
Wed Jan 13, 2016 1:17 pm
Forum: Personal Investments
Topic: TIAA Traditional vs Bonds
Replies: 11
Views: 1686

Re: TIAA Traditional vs Bonds

Thanks Wizard. I agree! Well, problem solved...he has no interest in rebalancing and is still making contributions into stocks, etc so he wanted to sell it all into the TIAA Trad. He also has a large position in RE, so we can use that for rebalancing if we really needed to, as I do. Thanks, student ...
by szmaine
Wed Jan 13, 2016 12:05 pm
Forum: Personal Investments
Topic: TIAA Traditional vs Bonds
Replies: 11
Views: 1686

Re: TIAA Traditional vs Bonds

Yes, I was considering recommending he sell 50% into Trad and keeping some bonds for rebalancing, etc...on the other hand, he does not rebalance, ever :? Before one of us leaves here I have been thinking I should prod him into an appropriate target date fund...but we can get to that later. For mysel...
by szmaine
Wed Jan 13, 2016 10:39 am
Forum: Personal Investments
Topic: TIAA Traditional vs Bonds
Replies: 11
Views: 1686

TIAA Traditional vs Bonds

Hi all, I have a friend that I help a bit with his retirement acct. We have Tiaa Cref. He is around 60yrs old. I have been pondering if it would not be wise for him to sell his bonds or a portion of his bonds into the Tiaa Trad account which he does not currently use. The current crediting rate is 4...
by szmaine
Wed Oct 07, 2015 4:27 pm
Forum: Personal Consumer Issues
Topic: Reading Out Loud Issues
Replies: 29
Views: 3861

Re: Reading Out Loud Issues

I do not think making her feel more self-conscious about her reading out loud skills will help. She is having quality time with her baby. Let her be. Amen! All that matters is that she is reading to the baby. If mom wants to work on it then fine...otherwise your comments may only serve to make her ...
by szmaine
Wed Oct 07, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: How much did your roof cost?
Replies: 47
Views: 529897

Re: How much did your roof cost?

I'm going to see if I can negotiate more bang for my buck. I'd be happy with this price if he included sheathing over the old boards (1840's post and beam) - but he is waffling over doing that at all and I really think it should be done. Either way it's not included currently. He is redoing all the...
by szmaine
Wed Oct 07, 2015 2:52 pm
Forum: Personal Consumer Issues
Topic: How much did your roof cost?
Replies: 47
Views: 529897

Re: How much did your roof cost?

fandango wrote:2100 square foot home, 30 year architectural shingles = $1600
serious? or missing a zero?
by szmaine
Wed Oct 07, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: How much did your roof cost?
Replies: 47
Views: 529897

Re: How much did your roof cost?

I'm going to see if I can negotiate more bang for my buck. I'd be happy with this price if he included sheathing over the old boards (1840's post and beam) - but he is waffling over doing that at all and I really think it should be done. Either way it's not included currently. He is redoing all the ...
by szmaine
Wed Oct 07, 2015 5:31 am
Forum: Personal Consumer Issues
Topic: How much did your roof cost?
Replies: 47
Views: 529897

Re: How much did your roof cost?

Boy it really varies so much! My current bid is from a local fellow who did my highly respected and reasonable electricians house. He didnt refer me, he just told me he'd done his house when I asked if he knew of the man. But I'm feeling a bit cornered by the lateness of the season, perhaps I should...
by szmaine
Tue Oct 06, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: How much did your roof cost?
Replies: 47
Views: 529897

How much did your roof cost?

I am having my roof done. Here are my details. What are yours? Total cost: $15,500 Cost per square: $517 Materials: Asphalt, IKO Cambridge architectural Type of roof (simple/complicated): complicated - cape with dining room addition and kitchen-L all coming together in a 3-way flashing nightmare, 2 ...
by szmaine
Sat Oct 03, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal social security of deceased partner?
Replies: 9
Views: 1202

Re: Spousal social security of deceased partner?

celia wrote:However, I'm not sure if you can continue to collect if you re-marry. Can someone else comment?
Yes, I think I saw that too. Highly unlikely but good to know.
by szmaine
Sat Oct 03, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal social security of deceased partner?
Replies: 9
Views: 1202

Re: Spousal social security of deceased partner?

Great thanks! Yes DD gets SS benefits. But the staff didn't mention anything about SS as retirement benefits and since she was over 16 at the time I didn't qualify. I just stumbled upon the info today. Nice to know! I'm saving as much as I can for retirement but every little bit helps. Do I actually...
by szmaine
Sat Oct 03, 2015 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal social security of deceased partner?
Replies: 9
Views: 1202

Spousal social security of deceased partner?

Hello, I just read something but want to confirm if I've got it right. Is it true that I could get social security on my deceased spouses record as early as 60 years of age (reduced amount for taking before full retirement age = 70%) and take my own higher amount at age 70? I can do this even though...
by szmaine
Sat Oct 03, 2015 6:02 am
Forum: Personal Finance (Not Investing)
Topic: use emergency fund contributions to finance new boiler for house?
Replies: 17
Views: 2473

Re: use emergency fund contributions to finance new boiler for house?

Yes, do it now while the rebates and 0% financing are available. These programs can run out of funds or change the amount of the rebate unexpectedly. Also, do the insulation ASAP - not probably...for the same reasons. Plus, if you are chilly now you still will be with a new furnace. I could not beli...
by szmaine
Wed Sep 30, 2015 2:37 pm
Forum: Investing - Theory, News & General
Topic: TIAA real estate
Replies: 59
Views: 8628

Re: TIAA real estate

http://www.greenstreetadvisors.com/pdf/press/cppi/GSACPPI.pdf "Property Appreciation Slows Newport Beach, CA, September 4, 2015 — The Gr een Street Commercial Property Price Index increased by 1% in August. While commercial real estate values have continued to move higher, the pace of apprecia...
by szmaine
Wed Sep 30, 2015 2:09 pm
Forum: Investing - Theory, News & General
Topic: TIAA real estate
Replies: 59
Views: 8628

Re: TIAA real estate

TREA is only 8-10% REITs so I wouldn't let the recent decline bother me the lag is pretty significant. Many over at the M* forum keep an eye on the Greenstreet CPI to predict a potential extended decrease to the TREA. Having said that, I sold a third of my TREA holdings yesterday into stocks. I've b...
by szmaine
Thu Sep 24, 2015 11:12 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3482
Views: 579151

Re: What are you up YTD? [Year To Date]

Up 1.6% ytd (excluding contributions)

Approx:

30% TIAA Trad (~4.3% guaranteed)
40% Stocks
30% TREA

Gotta love the TREA! 8-)
by szmaine
Fri Sep 18, 2015 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Help with financial planning - Spouse died in Nov (9/18 Update)
Replies: 12
Views: 2172

Re: Help with financial planning - Spouse died in Nov (9/18 Update)

Thanks Jack, that's an option but probably too much work for so little. :happy
by szmaine
Fri Sep 18, 2015 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Help with financial planning - Spouse died in Nov (9/18 Update)
Replies: 12
Views: 2172

Re: Help with financial planning - Spouse died in Nov (9/18 Update)

Updated for more feedback - see original post. Thanks!
by szmaine
Thu Jan 22, 2015 7:01 am
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 30882

Re: Keurig-cup coffee makers - why?

My husband, a morning person, used to handle the morning routine so I would just grope my way to the cooffe every morning and plunk myself in front of the morning news. He was also a big coffee drinker so a pot would all be consumed after I left for work. When he died and I was confronted with a dog...
by szmaine
Mon Jan 19, 2015 11:42 pm
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 56
Views: 9006

Re: Poll: Your Max. REIT Allocation

sdsailing wrote:Seems I am high at 15-20% if "TREA" is included. Even higher if you consider direct real estate investment. Not the most popular viewpoint on this board, but hey, we love real estate !
Nope, 30% TREA.... not my fault tho, I never would have bought so much if it hadn't gone so low. :wink:
by szmaine
Mon Jan 19, 2015 11:00 pm
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 14948

Re: The "Less Than" a Million $ Club

I'll confess I'm a bit bemused by this post since most people will retire with less than a million and probably feel that they are doing well as long as they actually were able to retire comfortably ...that one can be happily retired DESPITE not having achieved 2 commas is even a thing here is prett...
by szmaine
Sun Jan 18, 2015 9:44 pm
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 5503

Re: Instant coffee

Cafe Bustelo
by szmaine
Sun Jan 18, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: Ladybugs! How do I get rid of them!
Replies: 20
Views: 2739

Re: Ladybugs! How do I get rid of them!

You are right brad....the do nip, that only happened to me once though. They taste lousy too..one got in my drink glass once :mrgreen:
by szmaine
Sun Jan 18, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Ladybugs! How do I get rid of them!
Replies: 20
Views: 2739

Re: Ladybugs! How do I get rid of them!

These are probably Asian lady beetles and not the typical ladybug you are thing of. The tend to hatch out in buildings and once they are in the walls they tend to show up year after year, some years are worse than others...10 bugs is nothing, it can get a whole lot worse! I get them in my house ever...
by szmaine
Thu Jan 15, 2015 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance: A win/win moving or not moving.
Replies: 4
Views: 558

Re: Refinance: A win/win moving or not moving.

Thank for the tips. I checked Third Federal...they don't service Maine.
by szmaine
Thu Jan 15, 2015 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance: A win/win moving or not moving.
Replies: 4
Views: 558

Re: Refinance: A win/win moving or not moving.

I don't have the numbers I ran in front of me now but we definitely won't be going anywhere until DD graduated HS which is 17 months away so more than enuf time to save the interest. I just find this to be an area where the internet fails badly, also the bank refi calculators that focus on the small...
by szmaine
Thu Jan 15, 2015 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance: A win/win moving or not moving.
Replies: 4
Views: 558

Refinance: A win/win moving or not moving.

I've been looking into refinancing... 88K @ 4.775% nine years into 30yrs We may move in 2yrs or so or it may be longer, not sure. If I refinance into a 15yr @ 3% with about 2000 in closing costs my payment will be $27 more than now. After one year I'll have payed about 1.6K less toward interest and ...
by szmaine
Wed Jan 07, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help with financial planning - Spouse died in Nov (9/18 Update)
Replies: 12
Views: 2172

Re: Help with financial planning - Spouse died in Nov

So sorry for your loss. Be good to yourself and tackle what seems critical, but give yourself lots of time before you tackle non-essential decisions. You may have advice coming from well-meaning or not-so-well-meaning persons, so the fewer decisions you make, the less stress and less opportunity to...
by szmaine
Wed Jan 07, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Help with financial planning - Spouse died in Nov (9/18 Update)
Replies: 12
Views: 2172

Re: Help with financial planning - Spouse died in Nov

Sorry for your loss. I don't see any need to rush into anything. Perhaps set a goal of having a financial plan in place by April 1 or thereabouts. That gives you time to sort things for the current calendar year as well as IRA decisions for 2014. Read a few books, such as the ones on the Wiki here ...
by szmaine
Wed Jan 07, 2015 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Help with financial planning - Spouse died in Nov (9/18 Update)
Replies: 12
Views: 2172

Re: Help with financial planning - Spouse died in Nov

Are you and DD getting Social Security benefits? My daughter will get about $580 per month survivors benefits until 18....I was very surprised that the representative said it would be that much since he had most 0 income after 1997!! I have suspect she is mistaken but we shall see. She said that I ...
by szmaine
Wed Jan 07, 2015 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Help with financial planning - Spouse died in Nov (9/18 Update)
Replies: 12
Views: 2172

Re: Help with financial planning - Spouse died in Nov

Thank you, Barnaclebob! I guess the emergency fund would be the amount that I would keep in the high yield checking and savings, so that's all set. I don't think I need help with investing and asset allocation...as Boglehead (just not on these boards much), my retirement accts are with TIAA-CREF and...
by szmaine
Wed Jan 07, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Help with financial planning - Spouse died in Nov (9/18 Update)
Replies: 12
Views: 2172

Help with financial planning - Spouse died in Nov (9/18 Update)

Update 9/18/15 Hi again! I wanted to give a update on my actions since I posted this and get more feedback. The sale of the condo went through so I had another 100K to deal with in addition to the 50K already on hand. Since we will be moving soon after DD graduate HS this year I decided to pay off t...
by szmaine
Thu Jan 01, 2015 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Can I convert a Roth to a Trad IRA? Should I?
Replies: 11
Views: 1837

Re: Can I convert a Roth to a Trad IRA? Should I?

No, AGI and earned income aren't the same and they must BOTH be under the prescribed limits to qualify...but the amount of the credit is based on AGI or Earned Income, which ever gives a smaller credit. So for me, my fed taxable gross must be under that amount. One could have an AGI well below this ...
by szmaine
Mon Dec 22, 2014 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can I convert a Roth to a Trad IRA? Should I?
Replies: 11
Views: 1837

Re: Can I convert a Roth to a Trad IRA? Should I?

Thanks oneleaf. But, Its not my AGI that's the problem. Its my "earned income" in EITC parlance, otherwise know as the Fed Taxable Gross. I can only reduce this via pre-tax payroll deduction and the income limit for even being ABLE to get the EITC for married joint with one kid is 43941. I...
by szmaine
Mon Dec 22, 2014 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Can I convert a Roth to a Trad IRA? Should I?
Replies: 11
Views: 1837

Re: Can I convert a Roth to a Trad IRA? Should I?

Good to know that there is plenty of time to do that! Thanks. I'm sooo glad I've been looking into this! I just discovered this weekend that due to some retro pay this past year I was about to lose eligibility for the EITC by 400-600 :oops: . I called to beg my HR people to get a lump sum from my la...
by szmaine
Sat Dec 20, 2014 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can I convert a Roth to a Trad IRA? Should I?
Replies: 11
Views: 1837

Re: Can I convert a Roth to a Trad IRA? Should I?

Ok, it sounds like recharacterization is what I want to do...I'll call Vanguard and see if I'm allowed at this point.
Thank you!
by szmaine
Sat Dec 20, 2014 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Can I convert a Roth to a Trad IRA? Should I?
Replies: 11
Views: 1837

Re: Can I convert a Roth to a Trad IRA? Should I?

Yes, I have been Googling the topic myself and it all seems to be about recharaterizing a Roth that you had converted from an IRA to begin with...so I am confused on the matter.