Search found 4063 matches

by 123
Tue Jan 22, 2019 1:17 am
Forum: Personal Finance (Not Investing)
Topic: Amending 2017 Tax Return
Replies: 2
Views: 215

Re: Amending 2017 Tax Return

IRS recommends Form 1040X https://www.irs.gov/newsroom/file-form- ... tax-return
(You would include Schedule D and other necessary forms to show the adjustments).
by 123
Mon Jan 21, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Greenland: Disko Bay, Ilulissat (and Arctic Umiaq'a Sarfaq Ittuk)
Replies: 12
Views: 430

Re: Greenland: Disko Bay, Ilulissat (and Arctic Umiaq'a Sarfaq Ittuk)

Wow. How do I do that, without an address? Just place your cursor on the "little person" yellow/orange icon in the lower right corner of the map window, click on the icon and blue lines will appear. Move the "little person". As you move the "little person" a green ball follows underneath. When you ...
by 123
Mon Jan 21, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Greenland: Disko Bay, Ilulissat (and Arctic Umiaq'a Sarfaq Ittuk)
Replies: 12
Views: 430

Re: Greenland: Disko Bay, Ilulissat (and Arctic Umiaq'a Sarfaq Ittuk)

Google really did some interestng stuff with streetview in that area. You can streetview the path of a boat offshore among the bergs. Streeview legend from on the boat shows "Aug 2014".
by 123
Mon Jan 21, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: Greenland: Disko Bay, Ilulissat (and Arctic Umiaq'a Sarfaq Ittuk)
Replies: 12
Views: 430

Re: Greenland: Disko Bay, Ilulissat (and Arctic Umiaq'a Sarfaq Ittuk)

...Then we stumbled across photos of *icebergs* in Disko Bay, on the west coast of Greenland... It looks like there are at least some "icebergs" in Disko Bay when I look it up on maps.google.com Are those the photos you were referring to? When I just google "Disko Bay icebergs" (without quotes) I g...
by 123
Mon Jan 21, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 18
Views: 1023

Re: Hearing Aids

As a recent purchaser of Kirkland 8.0 at Costco, here are comments: ... Tim Thank you Nowizard/Tim that was an excellent write-up on how the hearing aid process works at Costco. We have a family friend who is a hearing aid user who really gets into the bells and whistles (excuse the expression) of ...
by 123
Mon Jan 21, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: 1980s Vacuums vs Today
Replies: 15
Views: 1313

Re: 1980s Vacuums vs Today

We've got a couple of vacuums from the 1950's (inherited) and the 1970's that still work and are likely even better than a 1980's vacuum. Those older vacuums came with two options for the end, either a smooth pickup or a brushed pickup. I suspect that maybe a smooth pickup is less likely to cause an...
by 123
Mon Jan 21, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Dentist fees
Replies: 29
Views: 1424

Re: Dentist fees

The biggest provider of dental insurance in the USA is Delta Dental. Here's a page that talks a little about how their payments to dentists work https://www.deltadentalins.com/individuals/guidance/recommend-your-dentist.html Basically a health care provider who does "balance billing" is simply "out ...
by 123
Mon Jan 21, 2019 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for 1-2 years rather than for a lifetime
Replies: 38
Views: 2952

Re: Saving for 1-2 years rather than for a lifetime

wiserabbit wrote:
Mon Jan 21, 2019 3:35 pm
I’m 34 and I feel like establishing and following strict 25 years long saving plan might be huge mistake....
You might find out that saving feels so good you just can't stop doing it. It can become a curse. You end up with too much money!
by 123
Mon Jan 21, 2019 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: selecting investment firm
Replies: 15
Views: 652

Re: selecting investment firm

Personally I would stay with Schwab but if you've been offended by something about them you can go to Fidelity which is pretty much the same. Schwab has more local offices if that's important. Fidelity offers automatic rollover of Treasuries if that's of value to you. Schwab makes it difficult to ea...
by 123
Mon Jan 21, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: What should be the minimum income to consider living in a HCOL?
Replies: 19
Views: 1650

Re: What should be the minimum income to consider living in a HCOL?

It's been said "If you have to ask the price you can't afford it".
by 123
Sun Jan 20, 2019 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: best way to cash a Aussie $ check
Replies: 11
Views: 695

Re: best way to cash a Aussie $ check

Per the tiaabank personal account terms https://www.tiaabank.com/~/media/_docs/ ... rsonal.pdf their fee for foreign items sent for collection is $55 (in addition to fees charged by other financial institutions).
by 123
Sun Jan 20, 2019 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Sell my condo ?
Replies: 12
Views: 951

Re: Sell my condo ?

Just a few side notes. Some or all of your relocation package may be taxable income to you. If the relocation package (some or all) is taxable it can boost you into being an HCE (highly compensated employee) for a year which can limit your 401k contributions (of course you may already be an HCE). Co...
by 123
Sun Jan 20, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather
Replies: 46
Views: 3047

Re: Is it wise to move from NewYork to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather

Sunnyvale can be hot June - Early October as well as just about anytime, it depends. Summer days 90+ up to 105 or so, but it's usually a dry heat. The ground shakes in Sunnyvale every once in awhile. Housing prices are high in Sunnyvale, as well as rents. Check things out on zillow.com Sunnyvale has...
by 123
Sun Jan 20, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: best way to cash a Aussie $ check
Replies: 11
Views: 695

Re: best way to cash a Aussie $ check

I would have the sender wire the proceeds if possible (SWIFT), particularly if the sending and receiving accounts are both Aussie $. SWIFT can send foreign currency. If you present a foreign currency check at a bank it will be manually handled as a foreign item. I don't know if they have new methods...
by 123
Sun Jan 20, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Where to buy CR2032 batteries?
Replies: 42
Views: 2719

Re: Where to buy CR2032 batteries?

I have bought 2025 and 2032 batteries off Amazon and they worked out fine. The expiration dates were 2 or 3 years in the future instead of 5 or more that you typically see at Walgreens or Target. I agree that these kind of purchases are among the most "iffy" on Amazon or Ebay. The ones I bought just...
by 123
Sun Jan 20, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel earthquake insurance?
Replies: 10
Views: 729

Re: Should I cancel earthquake insurance?

undrc7 wrote:
Sun Jan 20, 2019 7:36 pm
...Is there a point where a one should assume the earthquake risk?
When you have sufficient assets that the costs of replacing your home is inconsequential to your wealth.

Our earthquake coverage premium is over twice the cost of our homeowner's policy premium.
by 123
Sun Jan 20, 2019 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Retired - One paycheck in 2019 - Roth IRA?
Replies: 16
Views: 1048

Re: Retired - One paycheck in 2019 - Roth IRA?

Your eligibility for a Roth IRA contribution for 2019 is dependent on your income for 2019. If your modified AGI (MAGI) will be less than $122,000 you can make a Roth contribution that is not reduced (except for the limitation that it cannot be greater than your qualifying earnings). An individual c...
by 123
Sun Jan 20, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 107
Views: 5451

Re: Grocery shopping strategy

We shop at Safeway once a week, Trader Joe's about every 2 weeks, and Costco about every 3 weeks (So some weeks we could shop at all 3). We try to buy things at Safeway when they're "On sale" which is usually every few weeks for eveything so we maintain a stockpile. There are a number of products we...
by 123
Sun Jan 20, 2019 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Parting ways with financial advisor--is this allocation right for now?
Replies: 13
Views: 872

Re: Parting ways with financial advisor--is this allocation right for now?

...I'm reluctant to leave Schwab and move everything to the Vanguard platform because we love that Schwab reimburses ATM fees anywhere in the world... So leave part of one Schwab taxable account behind to take advantge of the ATM fee reimbursement. You can put ATM money in it. Schwab had good alter...
by 123
Sat Jan 19, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Navigating Through the Nursing Home Search
Replies: 21
Views: 1082

Re: Navigating Through the Nursing Home Search

We've been through similiar placement issues for a couple of relatives. If he's mobile (though slow) I'd recommend assisted living. Placement is easier and they can assist with dressing/toilet/bathing. It's not clear if there are any current limitations that would rule out assisted living placements...
by 123
Sat Jan 19, 2019 2:57 pm
Forum: Investing - Theory, News & General
Topic: How much money does one need to setup a private S&P 500 fund?
Replies: 53
Views: 3533

Re: How much money does one need to setup a private S&P 500 fund?

You might want to look at the options Wealthfront offers. They have an automated solution that starts with $100K and buys individual secuities in the S&P 500. I believe it can do automated tax loss harvesting as well. They have other solutions for higher portfolio values. For $100K you can get quite...
by 123
Sat Jan 19, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 85
Views: 4029

Re: What is a Boglehead funeral/burial?

No service or arrangements. Simple pre-arranged donation of remains to medical school.
by 123
Sat Jan 19, 2019 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Any downsides to repeatedly switching between varioud money market funds?
Replies: 7
Views: 602

Re: Any downsides to repeatedly switching between varioud money market funds?

Chasing yield. Since it's MMFs you likely won't lose too much doing it. If you must be "doing something" it's probably safer than chasing something more significant.
by 123
Fri Jan 18, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: Umbrella Coverage for Hired Subcontractors
Replies: 7
Views: 548

Re: Umbrella Coverage for Hired Subcontractors

...I want to use are day laborers that almost certainly don't have insurance... You need to have workers compensation coverage. Some homeowner's policies may include limited workers compensation coverage. In many states there are no limits to how much medical care providers can charge to care for w...
by 123
Fri Jan 18, 2019 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Hesitant to sell
Replies: 11
Views: 1290

Re: Hesitant to sell

It could depend on whether USPRX is currently a signficant portion of your portfolio. If it's a relatively small portion of your portfolio you may want to sell it and just be done with it for making things more simple. If you've been reinvesting dividends of USPRX into additional shares you could tu...
by 123
Fri Jan 18, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bank As Executor Of Will?
Replies: 26
Views: 1422

Re: Bank As Executor Of Will?

As the preceding post suggested perhaps you need to pre-arrange and prepay your final arrangements with a local funeral home and then name your preferred charity as the beneficiary of your accounts.
by 123
Fri Jan 18, 2019 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Who defines date of (403b) contribution?
Replies: 3
Views: 171

Re: Who defines date of (403b) contribution?

For 401k plans the consensus seems to be that the contribution is based on the payday date (contributions are based on a calendar year limit). I would assume other employer plans would follow the same system since they are based on "contributions" from payroll. The date it actually hits the 401k/403...
by 123
Fri Jan 18, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Citrus Canker compensation check
Replies: 2
Views: 477

Re: Citrus Canker compensation check

A recent local news story in Florida: https://www.sun-sentinel.com/news/florida/fl-ne-citrus-canker-checks-go-out-20190115-story.html Article says checks from several hundred to several thousand dollars to individual homeowners. Article talks about basis of awards based on location and sizes of citr...
by 123
Fri Jan 18, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Home Owner's Insurance
Replies: 9
Views: 920

Re: Home Owner's Insurance

Homeowners Insurance potentially covers a lot of things. The basic protections are fire insurance and liability. For an individual with assets the liability coverage may be more valuable than fire since it can be augmented with umbrella coverage and forms a base for that. It may not be as simple a m...
by 123
Fri Jan 18, 2019 1:34 am
Forum: Investing - Help with Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 7917

Re: 100% in VTSAX - Is it crazy???

First a note from the OP's prior threads. OP & spouse are teachers in their mid 30's so presumably the pensions are teacher's pensions. Holding 100% in VTSAX is probably okay given your current situaiton. Over the next 10 years your perception of the situation may change causing you to move to a mor...
by 123
Wed Jan 16, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: canvas floor cloths for kitchen
Replies: 3
Views: 418

Re: canvas floor cloths for kitchen

I seen these rubber floor mats suggested for under weight-lifting equipment to preserve the floor and reduce noise: https://www.tractorsupply.com/tsc/product/4-ft-x-6-ft-x-3-4-in-thick-rubber-stall-mat?cm_vc=-10005 Seriously I'm interested in this issue as well. We've got hardwood floors in the kitc...
by 123
Wed Jan 16, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11111

Re: Have I Now Become Out of Touch Financially? Aging question...

In a prior thread the OP stated:
phxjcc wrote:
Thu Aug 23, 2018 3:59 pm
...I need ~ $50K / year above my income to maintain my lifestyle. Yes, I know that is a LOT of money; I am very lucky...
Perhaps he recently ran the numbers on his budget. Yes there can be too much month left at the end of the money.
by 123
Wed Jan 16, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11111

Re: Have I Now Become Out of Touch Financially? Aging question...

...I see ... tradesmen driving $65K trucks and their wives driving $70K Escalades... There have been a number of tax incentives in recent years (to support the auto industry) that allow heavy tax benefits/incentives for the purchase of vehicles over a certain weight for business use. Additionally i...
by 123
Wed Jan 16, 2019 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Unusual Check from Fidelity
Replies: 8
Views: 824

Re: Unusual Check from Fidelity

If the concern is that it is a 401K account closure check there should be an indication on the check, or the attached stub, that indicates the purpose and reason for the check. If she's unclear about if it's a 401K closure check she could check her online 401K account at Fidelity and see what the st...
by 123
Wed Jan 16, 2019 1:31 am
Forum: Personal Finance (Not Investing)
Topic: What kind of health insurance for a newborn?
Replies: 9
Views: 789

Re: What kind of health insurance for a newborn?

If a family member has a separate policy they will also have their own deductible. With a family policy there is usually a combined deductible that can come into play. I think in most cases adding a dependent to employer coverage is less expensive than a separate policy. If you're shopping for a sep...
by 123
Wed Jan 16, 2019 1:21 am
Forum: Personal Consumer Issues
Topic: Using carry-on for traveling locally?
Replies: 22
Views: 1630

Re: Using carry-on for traveling locally?

Why not just leave some of your wardrobe there and have it cleaned with the regular household laundry? Saves the effort of carrying things back and forth.
by 123
Wed Jan 16, 2019 1:12 am
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7391

Re: When would you stop being a Boglehead?

If I delegated responsibility for managing my portfolio it would be a sign I had gone senile or insane.
by 123
Wed Jan 16, 2019 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Which Type of Annuities Did You Choose and Why
Replies: 18
Views: 1064

Re: Which Type of Annuities Did You Choose and Why

I assisted an elderly relative with revoking an annuity that was sold to her in a local bank branch. She told us about it and the next day I went with her to the branch to cancel it and get her money back. While the annuity she selected offered a high "interest" rate there was no guarantee of her pr...
by 123
Wed Jan 16, 2019 12:45 am
Forum: Investing - Theory, News & General
Topic: When/why have you needed customer service from Fido, VG, Schwab etc.?
Replies: 30
Views: 1501

Re: When/why have you needed customer service from Fido, VG, Schwab etc.?

Schwab - Deposit of large checks I did not want to mail (received immediate credit) - Signed over common stock certificate to broker for deposit in account Fidelity - Deposit of large checks I did not want to mail (received immediate credit) - Requested large withdrawal by check for real estate down...
by 123
Tue Jan 15, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 176
Views: 10523

Re: Are You Dumping Netflix?

Netflix has great content. I think they'd be the last streaming service we would give up.
by 123
Tue Jan 15, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to use inheretence to fund GC education
Replies: 12
Views: 755

Re: Best way to use inheretence to fund GC education

My grandson is 18 months old It's possible that there may be more grandchildren down the road. You may want to hold some funds in reserve for that contingency (as opposed to investing it all in a UTMA account for first grandson). Some people end up with 6 ro 12 grandchildren or more. Something to t...
by 123
Tue Jan 15, 2019 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio advice for family member with Special Needs
Replies: 21
Views: 894

Re: Help with portfolio advice for family member with Special Needs

There can be a lot of issues we don't know about that might impact the best course of action. While it would seem that the trust isn't limited to paying out current income if it can also fund extraordinary expenses like dental work, not necessarily a bad thing. A question might be who gets the proce...
by 123
Tue Jan 15, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2753

Re: School staff threatened to call social worker

In an earliar post the OP indicated he/she lived in Georgia. Per the Georgia Department of Education: http://www.gadoe.org/External-Affairs-and-Policy/AskDOE/Pages/New-Student-Requirements.aspx "Compulsory Attendance Georgia law requires that students attend a public or private school or a home stud...
by 123
Tue Jan 15, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2753

Re: School staff threatened to call social worker

My parents never took me out of school for any vacation or family trips.

They wanted to take advantage of the essentially free childcare the public school system provided.
by 123
Tue Jan 15, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6585

Re: A co-worker makes more than me

Perhaps it would be easier to have the co-worker ask for a lower salary. Problem solved!
by 123
Tue Jan 15, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Govt contractors what would you do
Replies: 7
Views: 1085

Re: Govt contractors what would you do

If the business has cash reserves and wishes to retain existing employee(s) then the best approach is to continue payments to employee(s). If the business does not have cash reserves it will have to shut down if it does not receive income to pay employee(s). If the business does not have cash reserv...
by 123
Tue Jan 15, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6585

Re: A co-worker makes more than me

Has the co-worker been with the organization the same time as you? If not how much longer/shorter? If you want equal pay for equal work for pretty much identical jobs the best location for that could be some type of government job. Is your co-worker more even tempered or nicer? Is your co-worker rel...
by 123
Tue Jan 15, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2753

Re: School staff threatened to call social worker

Is kindergarden required in your state to attend 1st grade? Is she above the minimum age requred in your state to be in school? Perhaps you could report a change of address for her to China when she leaves on her trip (disenrolling her from school there) and then re-enroll her in school when you ret...
by 123
Tue Jan 15, 2019 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring M/L to Vanguard
Replies: 4
Views: 274

Re: Transferring M/L to Vanguard

At a 1% AUM fee, which is typical, the attention your financial adviser provides likely costs you $30,000 a year. Over the next 20 years that could total $600,000. A single fund solution, like a mix of 50/50 stocks/bonds (or whatever might mirror your current mix) is likely available at Vanguard. An...