Search found 710 matches

by PinotGris
Mon Jun 22, 2020 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary surprise
Replies: 47
Views: 5885

Re: Vanguard Beneficiary surprise

acebick wrote:
Tue Jan 07, 2020 6:28 pm
I don't understand..Does this only apply to joint account beneficiary for Vanguard brokerage if you live in PA or just because headquarters is in PA?
HQ is in PA
by PinotGris
Mon Jun 22, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiary surprise
Replies: 47
Views: 5885

Re: Vanguard Beneficiary surprise

I ran into same problem with a joint account @ vanguard. They explained to me that with dealing with different states and different rules they just don't do POD's. I ended up putting the joint account in my name only with wife as primary benificary and our grown children as secondary. This is what ...
by PinotGris
Mon Jun 22, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: House cleaning in Covid
Replies: 25
Views: 1596

Re: House cleaning in Covid

Thank you all for your input. My house cleaner will start next week. I will have masks and gloves for her. I have been paying her directly from my bank while she was out and I will continue to do the same. She cleans the entire house and changes sheets. One thing out of the pandemic we have been cle...
by PinotGris
Tue Jun 16, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: House cleaning in Covid
Replies: 25
Views: 1596

Re: House cleaning in Covid

lws wrote:
Tue Jun 16, 2020 1:59 pm
I clean the house myself, a bit at a time.
I am fortunately one of those healthy and vigorous seniors.
That's what we have been doing. But I really appreciate that my cleaner does for me and would like to get her back and pay her.
by PinotGris
Tue Jun 16, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: House cleaning in Covid
Replies: 25
Views: 1596

Re: House cleaning in Covid

Thank you for sharing your experiences. Lots of good points to consider.
The county she lives in is actually doing better than ours.
I can provide fresh gloves and mask so she does not have reuse.
Those who have resumed. what do you do after she leaves? Do you wipe down anything?
by PinotGris
Tue Jun 16, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: House cleaning in Covid
Replies: 25
Views: 1596

House cleaning in Covid

How are you managing with house cleaning in Covid? We have suspended our services and I paid my cleaner for 2 months. Our state has opened up essential services including hair dressers. I am ready to get her in but the spouse is reluctant. What are you doing? Are you continuing paying your cleaner? ...
by PinotGris
Wed Jun 03, 2020 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax to save Tax files
Replies: 17
Views: 1331

Re: Turbo Tax to save Tax files

I scan any paper documents and shred them after filing. I keep all the electronic copies (all the PDF's and the Turbotax data file) essentially forever. I keep the TurboTax apps for just a few years. Everything electronic is backed up both locally and to the cloud. When you say cloud do you mean Dr...
by PinotGris
Tue Jun 02, 2020 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax to save Tax files
Replies: 17
Views: 1331

Turbo Tax to save Tax files

We have been filing taxes with TurboTax for 9 years. It allows you save it as a TT file and also generates a PDF file. I save them all in my computer and also in a flash drive. I have not done anything with Dropbox or anything like that. I have 6 years of tax files I have been asked to make a decisi...
by PinotGris
Wed May 27, 2020 2:40 pm
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 315
Views: 17375

Why is the market soaring?

[Merged to existing thread on identical topic - admin alex]

I am not complaining.
But where is the joy? Is it the stimulus that is helping? Is the predicted Covid resurgence factored in? Vaccines prospect?
by PinotGris
Sun May 17, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: Lexus 2018 recall
Replies: 16
Views: 1130

Re: Lexus 2018 recall

Regardless of the unnecessarily rude and unhelpful posts (is this some new trend in Bogleheads? Never experienced this before) I thought I will post an update as it may help others. Last week, after I talked to the dealer who sold us our cars, and also the customer service at Lexus, the dealer sent ...
by PinotGris
Thu May 14, 2020 11:12 am
Forum: Personal Consumer Issues
Topic: Lexus 2018 recall
Replies: 16
Views: 1130

Re: Lexus 2018 recall

Toyota/Lexus do recalls all the time because they are looking for possible (even remote) safety concerns. I wouldn't worry too much about all of the sudden being in some sort of rolling death trap. Things break in cars all the time. Think of it this way - were you worried in the car before you knew...
by PinotGris
Thu May 14, 2020 5:44 am
Forum: Personal Consumer Issues
Topic: Lexus 2018 recall
Replies: 16
Views: 1130

Re: Lexus 2018 recall

Really? Replace the whole car for an $80 fuel pump? Some of us waited 2 years to have our Takata air bags replaced. I'm still waiting for ABS module parts for my Fusion. I'm still driving the car. I dont understand. Are you angry with ME for wanting to be able to drive my car that i have paid for t...
by PinotGris
Wed May 13, 2020 8:40 am
Forum: Personal Consumer Issues
Topic: Lexus 2018 recall
Replies: 16
Views: 1130

Re: Lexus 2018 recall

Recalls are extremely common. Most of the recalls are due to an abundance of caution, or if internal testing has reveal a potential for issues. Again, recalls are very, very common for all brands. No need to be worried. The fuel pump issue might be related to low fuel flow at cold temperatures, or ...
by PinotGris
Wed May 13, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: Lexus 2018 recall
Replies: 16
Views: 1130

Lexus 2018 recall

I received the notification for the recall of a fuel pump issue only a week ago. i checked my VIN number and yes, i need to get it fixed. the dealer says they are ordering parts for specific VIN and it could be months before my car will be fixed as parts are not coming in fast enough. The dealer is ...
by PinotGris
Tue May 12, 2020 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Naming Beneficiaries at Vanguard
Replies: 15
Views: 986

Re: Naming Beneficiaries at Vanguard

We have named our children as secondary beneficiaries on all our accounts, divided in equal shares. The form has their DOB. We have named our daughter as the executor of our will. I imagine she can contact Vanguard and give them the required information to establish their identity and get the assets...
by PinotGris
Sun Apr 19, 2020 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy With 2020 RMD's Waived
Replies: 14
Views: 1539

Re: Strategy With 2020 RMD's Waived

I normally take my RMD at the end of the year and have taxes withheld at that time. The taxes amount usually amount to about 50% of the RMD. This year I've done a Roth conversion equal to the entire amount of the RMD and will pay quarterly estimated taxes instead of any RMD withholding. I expecting...
by PinotGris
Mon Apr 06, 2020 11:44 am
Forum: Personal Consumer Issues
Topic: Podcast in the time of Corona
Replies: 1
Views: 201

Podcast in the time of Corona

I am looking a for a change from news about the virus, the market, Trump, virus, death, rage and distress.
I am longing for something inane, a Podcast version of Maybery RFD, (if you are that age) or Mary Tyler Moore kind of comedy that is easy not pungent.
Have you found such a thing?
by PinotGris
Mon Apr 06, 2020 10:44 am
Forum: Personal Investments
Topic: IRA 2020 RMW
Replies: 3
Views: 215

Re: IRA 2020 RMW

Thank you all so much.
by PinotGris
Mon Apr 06, 2020 9:39 am
Forum: Personal Investments
Topic: IRA 2020 RMW
Replies: 3
Views: 215

IRA 2020 RMW

We are retired and both have IRA. DH has been taking these for a few years now. I turned 70 last November and i believe i would need to take my RMW this year, 2020. I am considering converting a partial amount to Roth. Please help me understand how the waiver per the new law works for me. Without th...
by PinotGris
Sun Apr 05, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: Medicare Accountable Care Organization (ACO)
Replies: 9
Views: 1569

Re: Medicare Accountable Care Organization (ACO)

Bump! I just received this letter from MEDICARE informing they participate with my PMP and her her medical center and I can opt out if I want. Of course I turned to this forum for advice. I am not very good with remembering the names of my medications and past medical history, dates,treatment etc li...
by PinotGris
Fri Apr 03, 2020 1:50 pm
Forum: Personal Investments
Topic: What are you doing with dividend distributions?
Replies: 6
Views: 627

Re: What are you doing with dividend distributions?

Thank you, Livesoft. I just sold my entire FTSE International - TLH. Putting the net amount into VTSAX. I will use the TLH to reduce my holding in Wellington in taxable. Or maybe not. It is so hard to part with it.
by PinotGris
Fri Apr 03, 2020 1:21 pm
Forum: Personal Investments
Topic: What are you doing with dividend distributions?
Replies: 6
Views: 627

What are you doing with dividend distributions?

We are down 54:46 Equity: Bond funds, from 60:40. We are retired. I am trying to re-balance into VTSAX on my taxable account with dividends and some new cash, and watch it lose as fast as i put money into it. We are continuing to reinvest the VBMFX (Total Bond market) and Intermediate Bond dividends...
by PinotGris
Wed Mar 25, 2020 5:00 pm
Forum: Personal Investments
Topic: Why not stand on the sidelines for a little while?
Replies: 302
Views: 14722

Re: Why not stand on the sidelines for a little while?

I am staying the course. I am home bound, one of the old ones refusing to do the patriotic thing by giving my life for the market, and it is gray and yucky outside. They are even closing the parks and trails. I sold some shares of Wellington, a correction I needed to make in my taxable account when ...
by PinotGris
Sun Mar 22, 2020 7:55 am
Forum: Personal Consumer Issues
Topic: Home services in time of COVID_19
Replies: 7
Views: 603

Home services in time of COVID_19

Are you getting your house cleaned? My cleaner will be coming next week and i am thinking of asking her to take her temperature when she arrives. If she has a fever, pay her and send her home. How are you handling it?
I am also wondering if lawn service will happen. Are those curtailed?
by PinotGris
Tue Mar 17, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56750

Re: How to get Toilet Paper ? seriously.

Folks, Bit embarrassed to ask this but any tips how to get Toilet Paper ? I've been bit sick so DW is doing all shopping and she went to 6 stores to get it but no luck. We tried to order online from Amazon, Costco, Vons - all online orders cancelled We are in So CAL. ps: We were able to get Meds fo...
by PinotGris
Sun Mar 15, 2020 5:46 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting and Resetting of Basis
Replies: 8
Views: 564

Re: Tax Loss Harvesting and Resetting of Basis

Am I missing something? I thought Tax gain-harvesting was appropriate to balance against TLH losses? WoodSpinner I just sold some Wellington funds shares at a gain because I am holding them in a taxable account and they throw up a lot of cap gains. I also did some TLH on on other funds which were i...
by PinotGris
Thu Mar 12, 2020 8:11 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Bogleheads community discussion - Coronavirus

Has anyone heard about domestic travel ban?
by PinotGris
Fri Feb 21, 2020 6:12 pm
Forum: Personal Investments
Topic: Section 199A dividends - Vanguard
Replies: 2
Views: 371

Section 199A dividends - Vanguard

How do you look at this deduction when considering an investment? Or exchanging a Vanguard fund for another. I just in fact sold a few shares of Wellington I am holding in our taxable account for shares of Mid-cap funds to balance my Domestic equity fund holdings that I hold along with the 500Index....
by PinotGris
Mon Feb 17, 2020 10:42 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 169
Views: 21523

Re: Total Stock Market Index - Section 199A dividends this year

When I talked to the rep at Vanguard he told me that Vanguard had the ability, starting in 2018, to report entries in Box 5 for Total Stock Market Admiral but didn’t. He did not know why. He did not give me the impression that he knew Vanguard would reissue 1099-DIVs for 2018 to handle this. Thank ...
by PinotGris
Sat Feb 15, 2020 3:22 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 169
Views: 21523

Re: Total Stock Market Index - Section 199A dividends this year

Did the Turbo Tax 2018 have a box for the 199A dividend? I don't think the 2018 Vanguards 1099-Div showed anything in this box.
Sorry if this question was already answered, I did not find it on my quick look.
Thanks
by PinotGris
Mon Feb 10, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: Handbags/Purses?
Replies: 13
Views: 1148

Re: Handbags/Purses?

Baggallini are highly functional. I have no idea whether or not they are fashionable. Love Baggalini. Light, pockets where I need them, right size, nice zippers. Love them. I recyccled an old one as my birding bag - bins, hats, gloves, phone everything goes in. I wear it cross belt style, the only ...
by PinotGris
Sun Feb 02, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: Examples of Low Tech Improving Your Life
Replies: 207
Views: 17849

Re: Examples of Low Tech Improving Your Life

peterinjapan wrote:
Sun Feb 02, 2020 8:51 am
I use a waterproof iPod Shuffle (circa 2010, waterproofing by several companies who inject silicon inside the device) to listen to audiobooks in the shower or while walking laps at the pool. I "read" about 40 audiobooks a year that way.
May I ask how do you download audiobooks into the shuffle?
by PinotGris
Sun Feb 02, 2020 1:46 pm
Forum: Personal Consumer Issues
Topic: paying cleaning lady
Replies: 49
Views: 4964

Re: paying cleaning lady

I have had several cleaning "ladies" over the years. I finally found someone who meets my needs. I wanted my house cleaned weekly. I want it deep cleaned with furniture moved and woodwork washed. My current people do this. I keep a very neat house so they don't have to pick up. there ware two women...
by PinotGris
Sun Feb 02, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: paying cleaning lady
Replies: 49
Views: 4964

Re: paying cleaning lady

I have had a cleaning service for several years, something I find a necessity particularity when we both worked. We are retired now, same house, kids only visit. My experience is I prefer hiring an individual rather than a service. I prefer the same person every time who knows my house, my needs, an...
by PinotGris
Sun Feb 02, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5579
Views: 1362404

Re: What Movie Have You Recently Watched?

Electrum wrote:
Tue Jan 28, 2020 5:13 pm
Parasite.

Incredible movie. Don't read anything about it before you see it. Just go.
Rented it for 5.99 on Apple TV. Interesting slice of life in Korea. Clever, very well done, great acting.
by PinotGris
Mon Jan 20, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: KeePass users, What iOS app?
Replies: 8
Views: 3231

Re: KeePass users, What iOS app?

Just downloaded Strongbox to my iphone and downloaded the database from dropbox. works great.
by PinotGris
Sun Jan 19, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Bidet recommendations
Replies: 15
Views: 2145

Re: Bidet recommendations

We have a hand-held one that works great. No air drying, just a bit of toilet paper. Easy to install. Just make sure the length of the tubing is right for your toilet height. We have a regular height toilet and this was meant for the one that sits high. So we had to get a new shorter tubing. No hot ...
by PinotGris
Sun Dec 22, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5579
Views: 1362404

Re: What Movie Have You Recently Watched?

Hollywood Story ...once upon a time. The Saharon Tate murder with a twist. Interesting.
by PinotGris
Sun Dec 22, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: The Apple card
Replies: 3
Views: 565

The Apple card

I have avoided using Wallet for the longest time, never entered my credit card, just dont use. Well, today I applied for and got an Apple Credit card and am planning to buy myself a new Ipad mini and pass my old one - 6 rears - to my husband. I will learn to use the new card for the first time at th...
by PinotGris
Wed Dec 18, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Updating Wills and Trust
Replies: 18
Views: 2027

Re: Updating Wills and Trust

We made a will 6 years ago with all the other documents such as power of attorney, medical directives etc. Our situation is simple, no trusts involved. Only thing that has changed is that our son got married this year, no children yet. Is there a reason to update wills automatically after period of ...
by PinotGris
Mon Dec 02, 2019 3:34 pm
Forum: Personal Investments
Topic: Non-Deductable IRA Contributions
Replies: 7
Views: 572

Non-Deductable IRA Contributions

When I was at-home Mom, we made contributions to a spousal IRA for the spouse with no earned income. It is deductible as long as our income did not exceed a certain limit. Then I started working and did not have a 401K at work and continued to contribute to the Spousal IRA. In some years our income ...
by PinotGris
Thu Nov 21, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Fort Lauderdale Area vacation
Replies: 12
Views: 1194

Re: Fort Lauderdale Area vacation

Slapshot wrote:
Thu Nov 21, 2019 3:05 pm
We always stay at Lauderdale-by-the Sea as our son lives nearby. Nice beach with lots going on near the pier at the end of Commercial Blvd.
Thank you. It looks very nice. Can you recommend the place you have stayed? You can PM me.
by PinotGris
Thu Nov 21, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Fort Lauderdale Area vacation
Replies: 12
Views: 1194

Re: Fort Lauderdale Area vacation

I really liked Hollywood Beach. A nice Marriott there, but I bet lots of VRBO rentals that time of year as snowbirds are leaving. BTW if picking up a rental car at the airport make sure they don't charge you for the tollway pass unless you need it. They sneaked that one in on me once! Thank you for...
by PinotGris
Thu Nov 21, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Fort Lauderdale Area vacation
Replies: 12
Views: 1194

Re: Fort Lauderdale Area vacation

I am doing a birding trip in the 1st week of March, which begins at Ft. Myers and travels west and ends at Ft. Lauderdale from where we fly out. Watch out - if you travel west from Ft. Myers, Florida, you won't end up in Ft. Lauderdale :wink: Well, they didn't say they'd be driving! It may just be ...
by PinotGris
Thu Nov 21, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Fort Lauderdale Area vacation
Replies: 12
Views: 1194

Re: Fort Lauderdale Area vacation

I am doing a birding trip in the 1st week of March, which begins at Ft. Myers and travels west and ends at Ft. Lauderdale from where we fly out. Watch out - if you travel west from Ft. Myers, Florida, you won't end up in Ft. Lauderdale :wink: I would appreciate some help from those who are familiar...
by PinotGris
Wed Nov 20, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: Fort Lauderdale Area vacation
Replies: 12
Views: 1194

Fort Lauderdale Area vacation

I am doing a birding trip in the 1st week of March, which begins at Ft. Myers and travels east and ends at Ft. Lauderdale from where we fly out. My husband will join me there at the end of my trip, and we would like to spend a week or two basking in the sun before flying back to New England. I will ...
by PinotGris
Thu Nov 14, 2019 6:13 pm
Forum: Investing - Theory, News & General
Topic: What tools do you use to track your finances?
Replies: 80
Views: 7430

Re: What tools do you use to track your finances?

All my portfolio accounts are at Vanguard so they keep track of it for me. I do retain the annual statement and d ownload monthly household statements. For spending, I keep a simple spreadsheet with three categories of spending every month. That seems to be all I really need to keep track of. Once ...
by PinotGris
Wed Oct 09, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 86
Views: 10159

Re: Password Protection

Bumping up thread from 2017. I use KeePass in my laptop and save my database in Dropbox. Things change so rapidly and am wondering if everything is safe with this process. Recently I downloaded Keepass app into my notepad to take with me for travel. I can access the dropbox from this if I need to re...
by PinotGris
Tue Oct 01, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Apple iPhone iOS 13 Discussion
Replies: 79
Views: 10068

Re: Apple iPhone iOS 13 Discussion

I have an iPhone 6. There will be no IOS 13 for the iPhone 6 or older. Booo. Hisss. Of course the iPhone 6 came out 5 years ago, so it got 4 years worth of iOS updates, which is pretty good compared to other manufacturers. Android phones usually only get operating system updates for 2 years. It was...