Search found 1166 matches

by samsoes
Fri May 24, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 1833

Re: Fly cross-country with a cat

I would advise against doing this. Very disrespectful to fellow travelers. Especially those of us with Asthma and severe allergy to cats and dogs. Recycling Air for the whole trip. :confused That would be me. My allergy to cats is severe enough to necessitate a medical emergency landing at some poi...
by samsoes
Fri May 24, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 35
Views: 1857

Re: House votes to change RMDs to 72

Per Rule 4a, "...discussions of proposed laws or regulations are prohibited," except that "[p]roposed regulations that are directly related to investing may be discussed if and when they are published for public comments." Seems reasonable to say that passage by the House is "published for public c...
by samsoes
Fri May 24, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 35
Views: 1857

Re: House votes to change RMDs to 72

This shouldn't violate ToS since it's been passed by the House. Who knows. Politics seem to get blacklisted quickly here even when discussing monetary politics. This is important legislation that needs to be followed. So hopefully the mods will allow it to remain. I know a Senate legislative aid wh...
by samsoes
Fri May 24, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 35
Views: 1857

Re: House votes to change RMDs to 72

In before the lock. :mrgreen:
by samsoes
Thu May 23, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 30
Views: 1761

Re: ongoing eBay buying problems

legio XX wrote:
Thu May 23, 2019 7:55 am
Time to quit the 'Bay?
Yes, it is time.
For me it was when PP asked for my SSN. :oops:

Ha! Not a chance.

I know EB and PP are separate legal entities now, but they are still joined at the hip.
by samsoes
Thu May 23, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: For delinquent Credit Card acct can the bank do an ACH Withdrawal w/o my O.K.?
Replies: 8
Views: 862

Re: For delinquent Credit Card acct can the bank do an ACH Withdrawal w/o my O.K.?

Not sure of the answer and I suppose it depends on fine-print in the card's terms. But for this reason alone, I will never have my checking account routing and account numbers on file with any merchant, vendor, creditor, never! I always "push" payments from my bank's bill-pay service rather than all...
by samsoes
Tue May 21, 2019 11:42 am
Forum: Investing - Theory, News & General
Topic: Has anyone heard of this guy
Replies: 12
Views: 2286

Re: Has anyone heard of this guy

He must know "Julie," who keeps calling me wanting to lower my credit card rates (even though I've paid -0- in credit card finance charges over the past quarter century).
by samsoes
Tue May 21, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Recently promoted - how to match image with title?
Replies: 54
Views: 4836

Re: Recently promoted - how to match image with title?

dm200 wrote:
Tue May 21, 2019 9:37 am
Jags4186 wrote:
Tue May 21, 2019 7:07 am
I’m so happy I’m a guy.
:happy
Me too, but this got me wondering how a blonde highlight would look across the the remaining fringe of (greying) hair that surrounds my exposed scalp.

Thoughts?
by samsoes
Tue May 21, 2019 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Urgent credit problem
Replies: 35
Views: 3425

Re: Urgent credit problem

Unusual for a the routine burglar and burglary to obtain these jewels, basically your financial life. They usually go for the easy turnover items, electronics, cameras, phones, gold, silver etc... What's the rest of the story? Agree. This is a very unusual and sophisticated burglary. It sounds like...
by samsoes
Mon May 20, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 165
Views: 7921

Re: Should I encourage my kids to work in high school/college?

Absolutely! Working during high school didn't adversely impact my academics. If anything, working kept me out if trouble since many Fri and Sat nights I was at work. It's a great experience, he/she will learn responsibility, work ethic, experience with dealing with customers, and it will prepare him...
by samsoes
Sun May 19, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: How to deal with home upgrades - HELOC or not?
Replies: 23
Views: 1555

Re: How to deal with home upgrades - HELOC or not?

With the new tax law, HELOC's are deductible when used for substantially improving (including major repairs and upgrades) one's home. That's a great guideline as to what to use the HELOC for. Only borrow from the home to spend on the home. Use the HELOC for nothing else.
by samsoes
Sat May 18, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8405

Re: My solar investment experience

Can anyone tell me how solar on a house interacts with a natural gas automatic on/off generator? I guess I am asking about how the solar and grid interact. Sure - I have one of those too. The solar panel system functions with the grid. When commercial power goes down, the solar panel systems shut d...
by samsoes
Sat May 18, 2019 6:33 am
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8405

Re: My solar investment experience

Here in Connecticut, the cost (generation + delivery) of a kWh is close to 27 cents! This is one of the highest rates in the lower 48. I'm currently in the process of a solar installation. I used energysage.com to find a supplier, thanks to the suggestion from the good folks on BH. Got several quote...
by samsoes
Fri May 17, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 15
Views: 1243

Re: Capital One Eno

I use Eno too, but I don't use it everywhere. For Amazon, Apple, etc., I use my preferred credit card directly. But if I'm paying for a subscription, buying lawn mower parts online from a store in Tennessee*, or putting in a credit card number for a free trial**, I will use Eno. I can restrict the ...
by samsoes
Thu May 16, 2019 3:03 pm
Forum: Non-US Investing
Topic: [Belgium] 18yo worth 37k, am I doing good?
Replies: 5
Views: 551

Re: [Belgium] 18yo worth 37k, am I doing good?

You're doing great! :beer At 18, every dollar I made didn't last very long.

I'm sure others with international investing experience will comment as to your portfolio.
by samsoes
Thu May 16, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4050

Re: Reservations about job offer

If the money's there, who cares? I was titled Lead Technologist for a specific technology for a multi billion dollar company. They came to me and said they were splitting the position (project manager plus individual contributor) into an actual manager position plus an individual contributor positi...
by samsoes
Wed May 15, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Error with Social Security Earnings History
Replies: 26
Views: 1446

Re: Error with Social Security Earnings History

Silly question, but was SS withheld from your wages during the missing years?

On the W2 you have from 2011, are boxes 3 and 4 non-zero amounts?
by samsoes
Wed May 15, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Health Insurance question for early retiree
Replies: 8
Views: 623

Re: Health Insurance question for early retiree

If she can manage her income to be in the ACA "sweet spot," the available subsidies will reduce the premium significantly. Like, to less than $100/month. Extreme care must be taken not to go over the upper limit by even $1, or thousands if dollars in subsidies will be lost. For example, in my county...
by samsoes
Wed May 15, 2019 7:33 am
Forum: Personal Investments
Topic: CPA advice--does this make sense??
Replies: 33
Views: 4891

Re: CPA advice--does this make sense??

Thanks go out to everyone for their thoughtful,rapier-like and sage insights. Much appreciated! At this point I would rather not get into specifics as my strategy is one that I'm comfortable with but would not lend itself for discussion on this venue. As a matter of fact in runs contrary to many Bo...
by samsoes
Tue May 14, 2019 2:39 pm
Forum: Personal Investments
Topic: Selling Series I Bonds
Replies: 43
Views: 3905

Re: Selling Series I Bonds

I learned of I bonds late and never had a chance to own the good old paper I bonds. Ah :twisted: You still can get paper bonds! :D When you file your Federal tax return, include Form 8888 to get all or part of your refund in paper I-bonds. There is a $5000 limit. Some folks purposely pay Federal es...
by samsoes
Tue May 14, 2019 8:30 am
Forum: Personal Investments
Topic: Selling Series I Bonds
Replies: 43
Views: 3905

Re: Selling Series I Bonds

sperry8 wrote:
Tue May 14, 2019 8:23 am
Very interesting. So it seems on July 1, my Jan bonds will drop to 1.4% is that correct?
Is there a way to see the interest rate history of these bonds so I can see the interest rate earned throughout the years?
This nifty site should help:
http://eyebonds.info/ibonds/index.html
by samsoes
Tue May 14, 2019 6:59 am
Forum: Forum Issues and Administration
Topic: For how long will the forum be around?
Replies: 94
Views: 7087

Re: For how long will the forum be around?

get_g0ing wrote:
Mon May 13, 2019 8:13 pm
Hi,

I was just wondering, how many years in the future will this forum be around? 10 years, 100 years?

What do people think?

Thanks.
Until government seizes everyone's assets.
by samsoes
Tue May 14, 2019 6:56 am
Forum: Forum Issues and Administration
Topic: For how long will the forum be around?
Replies: 94
Views: 7087

Re: For how long will the forum be around?

Bacchus01 wrote:
Mon May 13, 2019 8:24 pm
Actionable?
Nope.
by samsoes
Tue May 14, 2019 6:14 am
Forum: Personal Consumer Issues
Topic: Heating with propane?? Good idea?
Replies: 38
Views: 1908

Re: Heating with propane?? Good idea?

Be aware that it takes 1.5 gallons of propane to produce the equivalent heat (BTUs) produced by a gallon of heating oil.
by samsoes
Mon May 13, 2019 10:21 am
Forum: Personal Investments
Topic: 0% LT Capital Gain Tax Question
Replies: 12
Views: 1200

Re: 0% LT Capital Gain Tax Question

If you are under 65 and on an ACA exchange plan, the additional income will still "count" as MAGI -- even though it's taxed at 0% -- and will reduce your premium subsidy, even possibly push you over the ACA cliff.

Be careful!
by samsoes
Mon May 13, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: Computer issues, fix vs replace
Replies: 33
Views: 1950

Re: Computer issues, fix vs replace

+1 to all the folks suggesting to re-install Windows. Very unlikely anything is wrong with the hardware (and even if there was, you'd try this first to find out for sure). Be a shame to toss such a recent/powerful computer just due to a software problem. Last summer, after the disasterous forced W1...
by samsoes
Mon May 13, 2019 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 4750

Re: Move out or stay at my parents?

Just think, once you get your own place, you can use the bathroom without closing the door! It's a wonderful thing! :mrgreen:

And, no, don't give anyone - including your parents - a key.

Time to be your own man.
by samsoes
Sun May 12, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 4750

Re: Move out or stay at my parents?

Move out. You're almost 28. Time to leave the nest.
by samsoes
Sun May 12, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Cash Deposit Bank
Replies: 22
Views: 1729

Re: Cash Deposit Bank

I disagree. If my post dissuades someone to structure large cash deposits and therefore not commit a felony, it is very useful. Please re-read the first post in this thread. The OP seemed to think that it was an option to break-up large deposits to avoid reporting. [OT comment removed by admin Lady...
by samsoes
Sun May 12, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Cash Deposit Bank
Replies: 22
Views: 1729

Re: Cash Deposit Bank

Just out of curiosity, is the CTR reporting process transparent to the customer? Will I even know if one of my transactions was reportable? No, you won't know a report was filed until there's a knock on the door by an agent of a three-letter Federal agency (FBI, IRS, etc.). Have your paperwork hand...
by samsoes
Sun May 12, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Cash Deposit Bank
Replies: 22
Views: 1729

Re: Cash Deposit Bank

Does the customer need to provide a "stated purpose" of the cash transaction? Yes! :!: This is why Dennis Hastert, former Speaker of the House and second in line to the Presidency during the 9/11 attacks was jailed: lying about the reason for large cash transactions. Google: Dennis Hastert structur...
by samsoes
Sun May 12, 2019 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Cash Deposit Bank
Replies: 22
Views: 1729

Re: Cash Deposit Bank

Have your paperwork handy showing the legal reason for large deposits in case of such a visit. In the case of a wedding gift as described earlier in the thread, what might the appropriate paperwork be? Perhaps a wedding certificate documenting the date, and a perhaps a gift card/letter from the gif...
by samsoes
Sun May 12, 2019 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Cash Deposit Bank
Replies: 22
Views: 1729

Re: Cash Deposit Bank

Just out of curiosity, is the CTR reporting process transparent to the customer? Will I even know if one of my transactions was reportable? No, you won't know a report was filed until there's a knock on the door by an agent of a three-letter Federal agency (FBI, IRS, etc.). Have your paperwork hand...
by samsoes
Thu May 09, 2019 12:01 pm
Forum: Personal Investments
Topic: tax efficient lazy portfolio strategies
Replies: 12
Views: 1841

Re: tax efficient lazy portfolio strategies

lakpr wrote:
Thu May 09, 2019 11:50 am
Aren’t Target Retirement 20xx funds created exactly for this purpose? Invest and forget?
I believe the OP was asking about different types of lazy portfolios, one for retirement accounts, another one (preferably tax-efficient) for taxable accounts, not a one-size-fits-all.
by samsoes
Thu May 09, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Good town to stop on I-81
Replies: 41
Views: 2962

Re: Good town to stop on I-81

Monticello (Thomas Jefferson's estate), near Charlottesville. Fascinating place.
by samsoes
Tue May 07, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 7168

Re: How much do you donate?

I donate what I believe is appropriate to a good cause when I see one come my way. Some years these causes come more than once a year other times not as often. I will likely be starting a DAF soon so that it becomes easier to donate appreciated shares. DAF's are indeed a screaming deal. I regularly...
by samsoes
Tue May 07, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 7168

Re: How much do you donate?

10% of gross wages, including bonuses, is automatically moved to a separate account on payday which I use for charitable giving. I've been doing this since 2001.
by samsoes
Tue May 07, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Lost Mail
Replies: 29
Views: 1621

Re: Lost Mail

Anytime I've complained to the post office they say they will look into it and I never hear anything again. I don't see how they will track this down even if they wanted to. They can do it, although they likely won't. In 2001, a elderly woman local to me died from Anthax. The postal investigation d...
by samsoes
Tue May 07, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: Lost Mail
Replies: 29
Views: 1621

Re: Lost Mail

Anytime I've complained to the post office they say they will look into it and I never hear anything again. I don't see how they will track this down even if they wanted to. They can do it, although they likely won't. In 2001, a elderly woman local to me died from Anthax. The postal investigation d...
by samsoes
Mon Apr 29, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off my mortgage - what to expect?
Replies: 26
Views: 2157

Re: Paying off my mortgage - what to expect?

I just make extra principal payments online and it gets directly taken from my bank account. I am close to paying it off and wasn't expecting any fee to do so. Is the $200 processing fee normal? Do all banks charge something after you make your last payment to pay off the mortgage? They usually cha...
by samsoes
Mon Apr 29, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off my mortgage - what to expect?
Replies: 26
Views: 2157

Re: Paying off my mortgage - what to expect?

Jack FFR1846 wrote:
Mon Apr 29, 2019 1:39 pm
Save the money you'll spend on a cashier's check. Write a personal check. I did that for $70k and never had an issue.
I wired mine. No charge by my B&M bank.

OP: Congratulations, and yes, welcome to the club!!
by samsoes
Mon Apr 29, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is brokerage withholding treated as tax paid throughout the year, just like wage withholding?
Replies: 17
Views: 796

Re: Is brokerage withholding treated as tax paid throughout the year, just like wage withholding?

It sounds like I can withdraw from an IRA, elect the proper amount of withholding, and then redeposit the entire IRA balance (making up the shortfall with funds from a non-IRA account). Though I am surprised this is an option as I would think some computer somewhere would say "hey how can the balan...
by samsoes
Mon Apr 29, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is brokerage withholding treated as tax paid throughout the year, just like wage withholding?
Replies: 17
Views: 796

Re: Is brokerage withholding treated as tax paid throughout the year, just like wage withholding?

It sounds like I can withdraw from an IRA, elect the proper amount of withholding, and then redeposit the entire IRA balance (making up the shortfall with funds from a non-IRA account). Though I am surprised this is an option as I would think some computer somewhere would say "hey how can the balan...
by samsoes
Mon Apr 29, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is brokerage withholding treated as tax paid throughout the year, just like wage withholding?
Replies: 17
Views: 796

Re: Is brokerage withholding treated as tax paid throughout the year, just like wage withholding?

I'm a little confused by this. If such withholding can be treated as equal payments, then why wouldn't everyone pay estimates like this to the extent possible? It would be both cheaper and also easier than paying quarter by quarter. It doesn't work for estimates, just withholding. Estimates are tre...
by samsoes
Mon Apr 29, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Is brokerage withholding treated as tax paid throughout the year, just like wage withholding?
Replies: 17
Views: 796

Re: Is brokerage withholding treated as tax paid throughout the year, just like wage withholding?

I'm a little confused by this. If such withholding can be treated as equal payments, then why wouldn't everyone pay estimates like this to the extent possible? It would be both cheaper and also easier than paying quarter by quarter. It doesn't work for estimates, just withholding. Estimates are tre...
by samsoes
Mon Apr 29, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Is brokerage withholding treated as tax paid throughout the year, just like wage withholding?
Replies: 17
Views: 796

Re: Is brokerage withholding treated as tax paid throughout the year, just like wage withholding?

Would this strategy fly? Late December, do a distribution from an IRA that matches one's tax liability and specify 100% withholding. In January, use money in taxable to do an indirect rollover to another IRA account to put the funds back into an IRA. Thus the distribution would not generate any tax...
by samsoes
Mon Apr 29, 2019 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Is brokerage withholding treated as tax paid throughout the year, just like wage withholding?
Replies: 17
Views: 796

Re: Is brokerage withholding treated as tax paid throughout the year, just like wage withholding?

Yes it is. Withholding tax can be either from a W2 or any 1099. It's a common technique to bulk-up on Q4 withholding, even from a brokerage, to compensate for underpayment in earlier in the year. Form 2210 doesn't differentiate between sources of withholding. The instructions say to take the withhol...
by samsoes
Mon Apr 29, 2019 6:36 am
Forum: Personal Consumer Issues
Topic: Any affordable place for Dental Implants in the Northwest USA ?
Replies: 23
Views: 1752

Re: Any affordable place for Dental Implants in the Northwest USA ?

toofache32 wrote:
Sun Apr 28, 2019 10:04 pm
For those going to Mexico, do you travel back every 6 months for your cleanings? Who does the maintenance?
Do Mexican implants require a special cleaning procedure not available in the US?
by samsoes
Sat Apr 27, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is ACH Billpay risky?
Replies: 41
Views: 3085

Re: Is ACH Billpay risky?

If I'm pushing a payment myself from my bank's website, I'm in control whereas I'm not as in control of payments that automatically get pulled by payees. Exactly this. I always "push" from my checking account. I never allow anyone to get their hands into my money. No preauthorized ACH pulls, ever. ...
by samsoes
Thu Apr 25, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Premium Tax Credit for ACA
Replies: 8
Views: 586

Re: Premium Tax Credit for ACA

I believe the subsidies go down a staircase above medicaid number and until you hit 4x poverty level for your household. Once you hit 4x in AGI, you get no subsidies. So 4x is a huge cliff as compared to 3.99x. Also, $1 below the Medicaid upper boundary and all subsidies disappear. This is an even ...