Search found 1769 matches

by fposte
Wed May 13, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: finding someone to discuss numbers
Replies: 12
Views: 1127

Re: finding someone to discuss numbers

New Providence wrote:
Wed May 13, 2020 5:51 pm
Maybe a dating site?
Spendr? :D
by fposte
Sat Apr 18, 2020 9:18 am
Forum: Personal Investments
Topic: Northwestern Mutual 3.5% on Inherited Cash
Replies: 51
Views: 3740

Re: Northwestern Mutual 3.5% on Inherited Cash

I'm still hanging onto a MetLife policy with a fixed annual 3% rate that I got after my father died ten years ago. I don't think 3.5% from Northwestern Mutual is too good to be true.
by fposte
Mon Mar 02, 2020 12:18 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard cost basis information disappear on busy trading days?
Replies: 13
Views: 694

Re: Why does Vanguard cost basis information disappear on busy trading days?

The cost basis information disappeared again on Monday, March 2, 2020. The error message is: "Your data are not available at this time. Please try again later." Discussion on other threads suggests that this is a browser issue, and that if you try a different browser or clear your cache it appears.
by fposte
Thu Feb 27, 2020 8:22 am
Forum: Personal Investments
Topic: Should we use the coronavirus drop to do Roth conversion?
Replies: 39
Views: 3216

Re: Should we use the coronavirus drop to do Roth conversion?

Assume one has decided to do a Roth conversion of a certain number of dollars but then the market makes a large move up or down. Sure, the dollar amount of the Roth Conversion is the same. But the percentage of the IRA which got converted to Roth varies with how the market moved. Yup. That's why I ...
by fposte
Wed Feb 26, 2020 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Fine Art: Appraisal and insurance concerns
Replies: 24
Views: 1000

Re: Fine Art: Appraisal and insurance concerns

I don’t know about renter’s insurance, but I got an art rider on my homeowners’ insurance in a similar situation. I first got an appraisal from an accredited appraiser (it was $275 for the service). I pay about $60 per year now for the rider.
by fposte
Wed Feb 26, 2020 12:30 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 491
Views: 41537

Re: The Calm Post - Stay the course thread.

I like the calm thread! I consider myself a highly inactive investor; money goes in to the retirement accounts according to the calendar, I don't have any more to invest or play with, and I have a very wide rebalancing band. Staying the course seems like the least amount of work, and I love the leas...
by fposte
Wed Feb 26, 2020 12:23 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296661

Re: Coronavirus and the market

Maybe a stupid question, but does anyone know if the regular flu also has a large proportion of asymptomatic individuals? Or is this a particular feature of this coronavirus? Johns Hopkins says: "As many as 50% of infections with normal seasonal flu may be asymptomatic, which may in part be due to ...
by fposte
Mon Feb 24, 2020 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard's web site is down
Replies: 24
Views: 3026

Re: Vanguard's web site is down

50ismygoal wrote:
Mon Feb 24, 2020 9:50 am
Worked for me just after 9:30 as I bought some VOO and VXUS.
Surely this is a day to buy some VRUS.
by fposte
Mon Feb 24, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: actual pdf irs forms?
Replies: 19
Views: 602

Re: actual pdf irs forms?

This is truly bizarre. I disconnected from the Internet and used Reader to open one of the files and it displays it in the browser as a local file. Where the heck is it getting that information from? The html files are tiny compared to pdf files, and I specifically chose a file I had not opened bef...
by fposte
Mon Feb 24, 2020 11:10 am
Forum: Personal Finance (Not Investing)
Topic: actual pdf irs forms?
Replies: 19
Views: 602

Re: actual pdf irs forms?

fru-gal wrote:
Mon Feb 24, 2020 11:05 am
The directory listing has the files as pdf type Firefox html document and if I click on one of them it goes to the browser. I tried this with Chrome also.
If you use Chrome to access the IRS site and download the pdf through Chrome, does it still save it as a Firefox html document?
by fposte
Mon Feb 24, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: actual pdf irs forms?
Replies: 19
Views: 602

Re: actual pdf irs forms?

You mean that you can't right-click on the link below and save the .pdf to your computer? https://www.irs.gov/pub/irs-pdf/f1040.pdf Right that does not work. No matter what I do the best I can get is a file with the ext pdf which is actually an html file. Try it, you'll see. I get a fillable pdf fi...
by fposte
Fri Feb 21, 2020 10:05 am
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 9844

Re: Has Vanguard deteriorated?

To me satisficing and not maximizing is part of the Boglehead approach. I have assets at Fidelity and Vanguard; neither are perfect, and both are just fine. I'm sure Schwab is the same. If there's a specific advantage offered by one that you especially appreciate, that's a reason to steer toward tha...
by fposte
Wed Feb 19, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Having no luck finding a professional fiduciary
Replies: 46
Views: 3975

Re: Having no luck finding a professional fiduciary

Bobby206 wrote:
Tue Feb 18, 2020 8:00 pm
MIretired wrote:
Tue Feb 18, 2020 7:25 pm
I thought this type of help was most likely from an elder care attorney.
You don't want to pay an attorney $400/hour when you can get a licensed professional fiduciary for $100.
Judging by the OP's experience, getting one is easier said than done.
by fposte
Tue Feb 18, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: Having no luck finding a professional fiduciary
Replies: 46
Views: 3975

Re: Having no luck finding a professional fiduciary

I have no knowledge, but I'm going to be in a similar position myself, so I'm keenly interested, especially since I'm in a small town and my choices are likely to be limited. What professional credentials did these people have--were they lawyers, accountants, something else? Was this their main busi...
by fposte
Tue Feb 18, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Can we trust wirecutter reviews?
Replies: 41
Views: 4893

Re: Can we trust wirecutter reviews?

I also find it useful to read the comments at the bottom of the review--sometimes there's a discussion with readers in which staff weigh in with more info.
by fposte
Tue Feb 18, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Potential sue - Loss of money
Replies: 128
Views: 12373

Re: Potential sue - Loss of money

My bet, since none of us have the CC&Rs and one neighbor has already been sued (and lost), is that they exist and are enforceable. I don't think we know for sure that one neighbor has been sued and lost, though; we know that the acquaintance has claimed that he made the neighbor do a thing, but whe...
by fposte
Sat Feb 15, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1588
Views: 128568

Re: Coronavirus (Consumer Issues) How you are preparing?

lazydavid wrote:
Sat Feb 15, 2020 1:50 pm
When they've done their job well, someone who has had a flu shot is about half as likely to get the flu as a similar person who did not. It does not reduce severity in those that nonetheless become ill from the virus.
CDC says it does here (scroll down). Is this a contested area?
by fposte
Thu Jan 30, 2020 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: LBYM vs Not Really Wanting More (NRWM(?))
Replies: 78
Views: 6533

Re: LBYM vs Not Really Wanting More (NRWM(?))

Yeah, I don't know if even do live below my means; I just lead a life where low means go a long way. Small-town academic life means nobody cares about your car or designer labeling, houses are inexpensive, and the restaurant scene is not exactly gourmet. Plus I don't drink, and I don't have much tim...
by fposte
Sun Jan 26, 2020 9:34 am
Forum: Investing - Theory, News & General
Topic: In kind transfer from TIAA
Replies: 12
Views: 777

Re: In kind transfer from TIAA

The best authority about the transfer of a workplace account would be the employer and TIAA. From what I've read and my own experience the typical procedure is to liquidate the assets in the workplace account (401K etc) and send a check (payable either to the new custodian or the employee (with tax...
by fposte
Thu Jan 23, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: App for bodyweight exercise
Replies: 11
Views: 1153

Re: App for bodyweight exercise

I like You Are Your Own Gym; there’s also a book.
by fposte
Wed Jan 22, 2020 2:17 pm
Forum: Personal Consumer Issues
Topic: Anybody else have trouble with USPS Informed Delivery?
Replies: 36
Views: 3575

Re: Anybody else have trouble with USPS Informed Delivery?

My daily email from Informed Delivery mysteriously stopped coming in November as well. I have not changed my spam or junk mail settings. I've been checking the spam and junk folders, but not seeing the Informed Delivery email messages in either of those folders. I have the Informed Delivery service...
by fposte
Sun Jan 19, 2020 7:47 pm
Forum: Personal Consumer Issues
Topic: Hire a Gutter company or Handyman?
Replies: 13
Views: 1226

Re: Hire a Gutter company or Handyman?

I recently replaced all my gutters using a gutter company. I went with continuous 7 inch gutters with leaf screens. Whoa. I didn't know you could even get 7 inch gutters. I upgraded to 6 a few years ago but still have a trouble spot under a steep roof area; I'll talk to the local gutter folks this ...
by fposte
Sun Jan 19, 2020 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Why retire?
Replies: 267
Views: 16854

Re: Why retire?

I loved my job for years. It didn't really allow for time off, which I was less crazy about, but it was part of the package. Then in my 50s I developed health problems--nothing that was going to kill me, but enough to make it hard to do the job the way it needed to be done, and hard to do the job an...
by fposte
Sun Jan 19, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: Any favorite Etsy (or similar) jewelers making good quality, creative jewelry?
Replies: 10
Views: 1037

Re: Any favorite Etsy (or similar) jewelers making good quality, creative jewelry?

I'm enjoying seeing other recommendations so I hope this thread continues. (I love that Greek one!) I've bought some nice jewelry of different price ranges at https://www.sundancecatalog.com/ over the years. I enjoy Dawn Estrin's work at http://www.bijougraphique.com/ . There's some really nice jewe...
by fposte
Fri Jan 17, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Unusual problem with new, unlocked, but used iPhone
Replies: 11
Views: 701

Re: Unusual problem with new, unlocked, but used iPhone

Are you noticing a pattern related to whether callers are in your contact list or not? There is a feature in your IOS settings that, if turned on, causes “unknown callers” to go silently to voicemail (i.e., callers not in your contacts or not in a recent outgoing call or not a Siri suggestion). In ...
by fposte
Fri Jan 17, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: Unusual problem with new, unlocked, but used iPhone
Replies: 11
Views: 701

Re: Unusual problem with new, unlocked, but used iPhone

Are you noticing a pattern related to whether callers are in your contact list or not? There is a feature in your IOS settings that, if turned on, causes “unknown callers” to go silently to voicemail (i.e., callers not in your contacts or not in a recent outgoing call or not a Siri suggestion). In ...
by fposte
Wed Jan 15, 2020 4:33 pm
Forum: Personal Investments
Topic: Just retired. Too emotionally attached to hard earned $ to be in market and generate a "paycheck."
Replies: 75
Views: 7927

Re: Just retired. Too emotionally attached to hard earned $ to be in market and generate a "paycheck."

I feel like I don't need to know, it just needs to not be the top. That feeling isn't true, though; first, it's fine to invest at the top, and second, there have been several days in 2020 already where the S&P wasn't at the top and you didn't invest then either. You've been misled by your feelings ...
by fposte
Wed Jan 15, 2020 2:43 pm
Forum: Personal Investments
Topic: Just retired. Too emotionally attached to hard earned $ to be in market and generate a "paycheck."
Replies: 75
Views: 7927

Re: Just retired. Too emotionally attached to hard earned $ to be in market and generate a "paycheck."

I want to clarify, in no way will I be in cash instruments (CDs, MMs, Savings accounts) for the next 60 years. I fully realize I need to get back in the market at some point for sustainability (likely 75/25 stocks to bonds), I just don't have the stomach given the historic bull market. I timed the ...
by fposte
Mon Jan 13, 2020 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 353
Views: 29595

Re: Do you plan to actually spend down your portfolio?

I plan to spend from my portfolio. As I don't need to provide for heirs, whether it gets spent down entirely or not isn't really a concern to me. Unless I know in advance which year is my last, I probably won't spend down completely, as I'd rather leave some money to others than cut it too fine.
by fposte
Sat Jan 11, 2020 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: 55/10 early retirement
Replies: 5
Views: 1566

Re: 55/10 early retirement

Hello folks. I'm 54, single, no debt, own two properties and my employer has auctioned me off to the highest bidder Engie.. But my question isn't about the fate of my job, but what my employer has offered. They've offered 55 years old's who has worked at the U of I for 10 years, to retire with thei...
by fposte
Sat Jan 11, 2020 2:01 pm
Forum: Personal Investments
Topic: Inherited RMD Reminders
Replies: 20
Views: 1361

Re: Inherited RMD Reminders

I'll be interested to hear if there are custodians that do do this. The one I had my inherited IRA at prior to Vanguard didn't either. Vanguard does remind you if you look at the RMD section, but obviously that doesn't help unless you're already thinking to look. I think this one's a taste call thou...
by fposte
Sat Jan 11, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: [RMD shortfall - issue fixed]
Replies: 17
Views: 2411

Re: Vanguard another RMD snafu

Presumably these are RMDs for 2020, so at least you have a lot of time to sort this out. In my account, when I go to the "My Accounts" menu tab, select "Retirement contributions, distributions, and RMDs" from the dropdown menu, and then click on the "Required minimum distribution" tab, I see a warni...
by fposte
Sat Jan 11, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Ghosted by Best Buy?
Replies: 41
Views: 6091

Re: Ghosted by Best Buy?

Yes I have seen this a number of times. I work with teens and young adults. The alternative is being placed on the worst shifts, with only one or two shifts a week. Not enough to earn income to support yourself on, but also not fired. It is a passive aggressive way to force someone to get a new job...
by fposte
Sat Jan 11, 2020 12:11 pm
Forum: Investing - Theory, News & General
Topic: Here's what I still don't get with AA
Replies: 48
Views: 4914

Re: Here's what I still don't get with AA

It says right now that I have 53% equity across my 2 accounts at Fidelity. It say "this most resembles growth"? I actually have $37,755 right now total, not quite $40k yet. But isn't some of that $37k somewhere other than Fidelity? Here are a couple of things I see you doing that are complicating y...
by fposte
Fri Jan 10, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: At what point do you donate/trash/sell/gift your junk?
Replies: 75
Views: 4872

Re: At what point do you donate/trash/sell/gift your junk?

Also I watched multiple family members run up costs for storage units, or haul so many boxes during a move because even while downsizing they couldn't bear to part with the stuff. That's a powerful incentive to beat the habit. I've got some hoarding tendencies myself, and I've been working against ...
by fposte
Fri Jan 10, 2020 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ghosted by Best Buy?
Replies: 41
Views: 6091

Re: Ghosted by Best Buy?

I think that's pretty common these days in retail/fast food; they just stop putting somebody on the schedule if they don't need them.
by fposte
Fri Jan 10, 2020 1:50 pm
Forum: Personal Consumer Issues
Topic: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?
Replies: 75
Views: 6313

Re: New Sewer Line 2 weeks after Home Purchase. Any Legal Recourse?

Since you already had it cleaned out, I’d just buy some root killer (kind that foams up the pipe do entire inside is coated with it) and pour that into drain opening every quarter or so. American Water Resources offers a sewer insurance replacement policy for about $170 a year, see if they cover yo...
by fposte
Fri Jan 10, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: At what point do you donate/trash/sell/gift your junk?
Replies: 75
Views: 4872

Re: At what point do you donate/trash/sell/gift your junk?

The more I fuss about how and where it goes, the less likely it is to go; I'm not rehoming pets here. Therefore I usually just load stuff up into the car and take it over to Goodwill without worrying if I could have gotten money for it elsewhere. I have a running pile and the bag or box goes into th...
by fposte
Wed Jan 08, 2020 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Living in a HCOL and making a middle class salary is a struggle
Replies: 340
Views: 20532

Re: Living in a HCOL and making a middle class salary is a struggle

Did you even click the link for the first home. Iol. That house needs a complete remodel. If you're worried about the Westchester Joneses, sure. But it looks like plenty of houses in my perfectly decent midwestern area, and it's fine to have a family in. If I were the OP, I'd look especially for ho...
by fposte
Wed Jan 08, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Job change and possible resulting stress/IBS
Replies: 18
Views: 1472

Re: Job change and possible resulting stress/IBS

I have Crohn's, and that's factored into my career trajectory and decisions. However, this does seem like what you're hanging your fear of the unknown onto, because it's mostly about the social impact of the illness. Most people you sit near really aren't going to care. Have a quick matter-of-fact s...
by fposte
Wed Jan 08, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Which areas have the highest median household income to lowest median home price ratio?
Replies: 26
Views: 2897

Re: Which areas have the highest median household income to lowest median home price ratio?

https://www.citylab.com/equity/2018/05/where-the-house-price-to-income-ratio-is-most-out-of-whack/561404/ It is interesting that 9 out of the 10 most affordable metros listed in this article were in OH or PA. Median house sizes are somewhat variable by region as well, so the entry point will vary. ...
by fposte
Wed Jan 08, 2020 1:20 pm
Forum: Personal Investments
Topic: Inherited Roth and RMD
Replies: 20
Views: 1274

Re: Inherited Roth and RMD

Did the account ever get re-titled to your name after your mother's death? It currently says my mothers name FBO my name .. So I am not positive if it was converted as I never selected any method, but I did have to sign papers to get my name on the account to prepare for a transfer. That is not the...
by fposte
Fri Jan 03, 2020 1:29 pm
Forum: Investing - Theory, News & General
Topic: Now is a good time to start tracking your net worth.
Replies: 123
Views: 11348

Re: Now is a good time to start tracking your net worth.

watchnerd wrote:
Fri Jan 03, 2020 11:53 am
I'm curious why some of you do the extra manual work of making it a spreadsheet.
I like the manual entry part of it. I do the same with my budget. It makes my money more concrete to me and helps divert my urge to tinker with actual investments into tinkering with spreadsheets.
by fposte
Tue Dec 31, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: To what do you owe your ability to forego spending now and save for your future?
Replies: 116
Views: 5112

Re: To what do you owe your ability to forego spending now and save for your future?

LCOL area and slow-moving Joneses. I can keep up easily and still have money for later.
by fposte
Tue Dec 31, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: demented mother's online spending
Replies: 126
Views: 11401

Re: demented mother's online spending

Or, if FIL can afford it, he can just choose to keep paying for it. The OP has suggested that FIL has considerable means, and if he'd rather pay $200k a year than mess with his wife's account, he can do that; there are people who could do that for quite a few years without harming their own standar...
by fposte
Tue Dec 31, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: demented mother's online spending
Replies: 126
Views: 11401

Re: demented mother's online spending

Thank you to everyone for your suggestions/comments. After discussion with my father in law, the visa bill for December was a little over $17,000. Looking into this further, we checked the trash 2 days after Christmas and found the makeup, dresses, sweaters we had given her for Christmas were all i...
by fposte
Mon Dec 30, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: CFA confidentiality
Replies: 48
Views: 2894

Re: CFA confidentiality

If your family member wants to condition the gift (regardless of whether you think the conditions are reasonable) either comply with the conditions , have the conditions waived, or don’t accept the gift. Yes, I think that's the heart of the problem here. I understand the desire to have it both ways...
by fposte
Sun Dec 22, 2019 1:18 pm
Forum: Investing - Theory, News & General
Topic: Did Vanguard Eliminate Access to Financial Engines?
Replies: 32
Views: 4019

Re: Did Vanguard Eliminate Access to Financial Engines?

bertilak wrote:
Sun Dec 22, 2019 12:45 pm
I found this Vanguard web page: https://retirementplans.vanguard.com/ek ... gines.html
I can understand why some of us therefore didn't have access, but OP, did you change jobs, or did your job change retirement account custodians?
by fposte
Sat Dec 21, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to 401(k) and IRAs, SECURE Act - It's signed
Replies: 292
Views: 23301

Re: Changes to 401(k) and IRAs, SECURE Act - It's signed

The Kiplinger link in that post is talking about the updated tables the IRS has proposed for the old RMD rules starting at 70.5. Like aerosurfer, I'm wondering if the IRS is going to go back to the drawing board with a new new table starting at 72. '''' No they won't go back and revisit. These tabl...
by fposte
Sat Dec 21, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to 401(k) and IRAs, SECURE Act - It's signed
Replies: 292
Views: 23301

Re: Changes to 401(k) and IRAs, SECURE Act - It's signed

Are New RMD life expectancy charts available? Does RMD @ 72 change the formula for withdrawals? How will it change for those Taking them now? Wabbot provided a link to the proposed RMD tables a few posts up. A few posts up it was also discussed the if you have already turned 70.5 by 12/31/2019 then...