Search found 323 matches

by dowse
Mon Jul 02, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Irrevocable Trust Final Year Tax Question
Replies: 2
Views: 261

Re: Irrevocable Trust Final Year Tax Question

It says "Upon the termination of the trust* the trustee shall distribute the trust principal and all accrued and undistributed income to my son ...".

*The trust terminates upon the death of my step-mother. She was co-trustee with me.
by dowse
Mon Jul 02, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Irrevocable Trust Final Year Tax Question
Replies: 2
Views: 261

Irrevocable Trust Final Year Tax Question

I am the final beneficiary of an irrevocable trust that my late father set up to benefit my step-mother, who just passed. The trust document says that the trust now terminate and all assets are to be distributed to me. The trust was unable to distribute all of the required income to the beneficiary ...
by dowse
Sun Jul 01, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 40
Views: 3528

Re: Filing Restricted SS Application - Language Check

My wife will be filing for restricted benefits shortly at her FRA of 66. I am already receiving my benefits and have reached FRA. Currently, my wife's medicare charges are auto deducted from our checking account. I have seen others posting about the transition from paying quarterly. Just wanted to ...
by dowse
Wed Jun 27, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Distribute Trust Assets After Death of Beneficiary
Replies: 7
Views: 694

Re: Distribute Trust Assets After Death of Beneficiary

Why would your portion be zero but not that of the co-beneficiaries? Were you left a specific amount under certain conditions, then the daughters each get 50% of the remainder? (Doesn't sound like you are a "remainder beneficiary".) If the trust was originally a joint trust for your stepmother with...
by dowse
Wed Jun 27, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Distribute Trust Assets After Death of Beneficiary
Replies: 7
Views: 694

Re: Distribute Trust Assets After Death of Beneficiary

It is up to the beneficiary whether to mingle the funds with her spouse, not you. I am not sure I understand your question about capital gains. The step-up occurs and the capital gains/losses from any future sales are determined using the step-up. The question about capital gains is whether the ste...
by dowse
Wed Jun 27, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Distribute Trust Assets After Death of Beneficiary
Replies: 7
Views: 694

Re: Distribute Trust Assets After Death of Beneficiary

Pajamas wrote:
Wed Jun 27, 2018 11:15 am
Why not simply make the distributions by checks payable to the beneficiaries? That's what I have always observed.
Yes, of course that would be the way to do it. Should have thought of that.
by dowse
Wed Jun 27, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Distribute Trust Assets After Death of Beneficiary
Replies: 7
Views: 694

Distribute Trust Assets After Death of Beneficiary

I am co-trustee for a revocable trust, along with my stepmother, who just passed away. I am named as one of the remainder beneficiaries, along with her two daughters. Due to a greater than expected draw-down to pay her expenses, my portion no longer exists, but I still have the responsibility to dis...
by dowse
Wed Jun 20, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: dryer vent cleaning--your thoughts?
Replies: 44
Views: 6603

Re: dryer vent cleaning--your thoughts?

Had been putting this off for longer than I care to admit. Low, first floor access to outdoor vent. There are a total of 3 90-deg. bends in the run due to an addition that forced some rerouting. There is an upright section from the dryer to the ceiling, where the remainder of the run is about 10 ft....
by dowse
Fri Jun 15, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Learning how to fix/repair things
Replies: 29
Views: 2370

Re: Book learning

This book was famous in its day: https://www.amazon.com/Readers-Digest-Complete-Yourself-Manual/dp/0895770105/ There are newer replacements. I own a copy of that, and I still refer to it occasionally. It was a great resource in the days before the internet and YouTube. YouTube is a great resource i...
by dowse
Thu Jun 07, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 54
Views: 6551

Re: Trip to Hawaii - what do I need to know

Any suggestions on helicopter tour companies on the Big Island? Heading there in July, of course want to see the active lava flows. I would highly recommend Blue Hawaiian. Not sure how close they can get to the lava flows right now. Not sure if they are still doing DVD's, but in 2010, they would re...
by dowse
Fri Jun 01, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3644

Re: Sherwin Williams paint

We have had two houses painted recently in two different states by two different painters, both interior and exterior. The painters definitely both recommended Sherwin Williams purchased at the SW store and NOT from Lowes (don't think Home Depot carries it). They claim that the formulations for Lowe...
by dowse
Thu May 31, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Europe- Zurich<->Paris- 10 days
Replies: 34
Views: 2355

Re: Europe- Zurich<->Paris- 10 days

As others have mentioned, Lucerne is a beautiful place to visit. The Mt. Pilatus tour, also previously mentioned, can be done with a "Golden Pass", if memory serves. It is a combination of gondola lifts to the summit, cog railway down to the lake, boat cruise across the lake back to the city. It can...
by dowse
Thu May 24, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 5816

Re: Florida Living

Consider Fernandina Beach/Amelia Island near Jacksonville. Seems to meet most of your criteria. Very laid back atmosphere. Very friendly people. Quaint, historic downtown with great restaurant scene. Great access to beaches. Scenic area. Less expensive than some of the other areas being considered. ...
by dowse
Tue Apr 24, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 42
Views: 5552

Re: Downloadable Social Security Benefit Estimator (repost)

Thanks for providing this. It's quite useful in my case, because I recently took advantage of the restricted application strategy and am collecting a spousal benefit with the intention of switching to my own benefit at age 70. Because I am already collecting, SSA will no longer produce a benefits es...
by dowse
Fri Apr 20, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Freakonomics Podcast on Indexing with Jack Bogle Interview
Replies: 2
Views: 652

Freakonomics Podcast on Indexing with Jack Bogle Interview

Just finished listening to an excellent podcast from Freakonimics: http://freakonomics.com/podcast/stupide ... broadcast/.
Includes an interview with John Bogle. I think many bogleheads will enjoy it.
by dowse
Fri Apr 13, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 45058

Re: Name something you had to have and now you regret purchasing it?

A Hot Tub. Fine for a couple of years, but broke down and has languished for years. Jets broke, cover saturated with chemicals and now too heavy to lift, pump failed. Just let it all go due to repair costs. Now it will probably cost me money to get rid of it.
by dowse
Fri Mar 30, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Engineered Portfolio
Replies: 14
Views: 2017

Re: Engineered Portfolio

Bonds I just want to correct the original post in this thread Interestingly, their portfolios only include bond funds if the time horizon is 2-3 years. That's not true - our 5 year portfolio has 30% bonds and 10% gold. It's only when someone is able to truly put the blinders on for a full 10 years ...
by dowse
Thu Mar 29, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Cosign college loan for sibling?
Replies: 87
Views: 4228

Re: Cosign college loan for sibling?

The vast majority of financial articles I've read on this topic advise never to co-sign any loan for any reason. There was one exception I recall reading about. I can't recall the details, but the point of it was that the writer also believed this, but was willing to make an exception when he knew s...
by dowse
Tue Mar 27, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Engineered Portfolio
Replies: 14
Views: 2017

Engineered Portfolio

I'm curious what folks here think about the blog "Engineered Portfolio", https://engineeredportfolio.com/ mentioned in another thread. I'm intrigued by the portfolios they came up with based on extensive numerical analysis. Of course, it's all in the underlying assumptions and choice of data set. In...
by dowse
Tue Mar 27, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Trying to sort out all the portfolio advice
Replies: 14
Views: 1432

Re: Trying to sort out all the portfolio advice

I'm interested in the BH take on the blog overall, and particularly on the "engineered portfolios" . I think I'll start a new topic on it.
by dowse
Thu Mar 22, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Spousal Social Security
Replies: 14
Views: 1726

Re: Spousal Social Security

I think all those who choose to file online will still get an opportunity to interact with a real person. Within a few days of submitting my application, I got a call from a social security worker to confirm what I had submitted was what I wanted. The worker also wanted to speak to my wife to confir...
by dowse
Wed Mar 21, 2018 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Spousal Social Security
Replies: 14
Views: 1726

Re: Spousal Social Security

It's a good plan on its face. I'm assuming you have a plan to manage cashflow to age 70. There have been some discussions here about potential/actual problems in getting SSA to properly execute the restricted filing. It may be safest to actually go to a social security office in person (both of you...
by dowse
Wed Mar 14, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Deciding between Pathfinder, Highlander and Pilot
Replies: 21
Views: 2198

Re: Deciding between Pathfinder, Highlander and Pilot

I owned a 1996 Pathfinder. Ran it into the ground at close to 200k miles. Great for rough, muddy or snowy roads. Rode a little rough. Overall reliable. I currently own a 2006 Pilot with 225K miles. It's been a great car. Very reliable. Relatively little trouble. I am about to buy a newer 2015 one an...
by dowse
Wed Mar 14, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3624

Re: House Hunting Concerns With Well

Is there anything in there about a pumping test. That is the most useful info IMO. They run the pump for a designated period of time (24 hrs around) and measure the impact on the aquifer. A 2 gpm well is not great but if it is reliable and matches the use pattern of the home or can match the use wi...
by dowse
Tue Mar 13, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3624

Re: House Hunting Concerns With Well

Well, it looks like the issue may have become moot with respect to this house. Word was received that an offer is in hand from another buyer. Of course, it could be rejected or fall through. Anyway, this has been a very educational thread. Let me summarize what I have learned, and please critique an...
by dowse
Mon Mar 12, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3624

Re: House Hunting Concerns With Well

OK, it's starting to make some sense to me. Thanks to those who have explained further. Info from the permit, dated in Oct. '93: Type: Drilled Size: 6 in. Grout: sand mix Yield: 2 gpm Depth: 365 ft. Case depth: 42 ft. Level: 18 ft. Water Zone: 315 ft. I don't know the significance of the case depth,...
by dowse
Mon Mar 12, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3624

Re: House Hunting Concerns With Well

Here are some links as requested by the OP. https://www.maine.gov/sos/cec/rules/10/144/144c232.doc https://www.des.nh.gov/organization/commissioner/pip/factsheets/dwgb/documents/dwgb-1-8.pdf One source (Maine) states that each foot of well depth holds about 1 1/2 gallons of water in the well itself...
by dowse
Sun Mar 11, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3624

Re: House Hunting Concerns With Well

tomd37 wrote:
Sun Mar 11, 2018 2:48 pm
dowse - would you care to share the name of the subdivision in CH as I formerly lived there in a subdivision that had community wells serving it. Also had septic tanks there.
Sent you a PM.
by dowse
Sun Mar 11, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3624

Re: House Hunting Concerns With Well

The deeper the well the lower the required flow rate. Searching the web for data I found a New Hampshire state document that says for a 360 foot deep well the minimum required flow rate is 1gpm and the optimum flow rate is 2gpm or greater. So this well may be perfectly sufficient. That's interestin...
by dowse
Sun Mar 11, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3624

Re: House Hunting Concerns With Well

Seems low but best bet would be for THEM to talk to some locals, neighbors, plumbers, WELL DRILLERS. Good idea. They have a call in to a local well driller. Talking to neighbors would be a good thing to do, too. They have a buyer's RE agent who is trying to help. One problem is that they have to tr...
by dowse
Sun Mar 11, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3624

Re: House Hunting Concerns With Well

What state or location is this? I'd agree that 2 gpm is pretty low. 365 feet would be pretty deep in some areas and about normal in others, that can be an indication of how much water is available. You might see if your state maintains a database of wells online (mine does). Then you could check th...
by dowse
Sun Mar 11, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 3624

House Hunting Concerns With Well

Hoping to tap the collective wisdom of fellow bogleheads here. My son and daughter-in-law are house-hunting as first-time home buyers. They found a 4BR, 2-1/2 bath house they like very much and are trying to decide whether to proceed. They were able to obtain some septic and well permit documents fo...
by dowse
Sun Mar 11, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 40
Views: 3528

Re: Filing Restricted SS Application - Language Check

For those who might be wondering how the transition to Medicare Part B premium payments are handled. In Feb., I received and paid a quarterly bill to cover March, April and May. My first SS payment will occur in April with the premium deducted. I just received a refund check in the mail from the US ...
by dowse
Tue Mar 06, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 40
Views: 3528

Re: Filing Restricted SS Application - Language Check

Just received my award letter in the mail. All seems to be in order. I wish the letter would include language confirming that I continue to receive delayed retirement credits, and that I am eligible to apply for benefits under my own record at a future date, but it doesn't contain any language that ...
by dowse
Tue Feb 27, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Restricted SS Application - Language Check
Replies: 40
Views: 3528

Re: Filing Restricted SS Application - Language Check

Filed a restricted application in December for benefits to start in March. Still waiting for an award letter, however, just today, I logged into My Social Security and it will now produce a benefits verification letter showing the correct spousal benefit I will be receiving. Still waiting for the of...
by dowse
Fri Feb 23, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)
Replies: 35
Views: 2946

Re: Vacation in May. Boston, Martha's Vineyard, Ogunquit (cancelled Bar Harbor)

Thanks for all your replies. I have cancelled Bar Harbor based on many recommendations. Instead I have booked a hotel on the beach in Ogunquit for 3 nights. We may do a day trip to Portland from there. We will do a separate week long trip to Bar Harbor/ Acadia national park at a later date. I also ...
by dowse
Thu Feb 15, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2823

Re: Potentiometer for motor speed control- any electrical engineers around?

I think user just frank 's suggestion of an emitter follower with a small pot is worthy of some more discussion. That was my initial idea when I read PWM was verboten. Whether a single transistor or a darlington would be necessary I don't know. I think it would be an OK solution depending on how mu...
by dowse
Wed Feb 14, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2823

Re: Potentiometer for motor speed control- any electrical engineers around?

Glad to hear he has already thought about different ways of controlling the speed and why some should be ruled out. That's the point - think through the problem and the pros and cons of different possible solutions. Consider the selectable voltage method in combination with the pot adjustment. With ...
by dowse
Tue Feb 13, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2823

Re: Potentiometer for motor speed control- any electrical engineers around?

Just thought of another approach. For learning, here are a couple of questions to pose to your son: I understand the rules allow contact with the sides of the track. Is there a way that can be used deliberately to control the speed? Do you know how the track is designed? If so, what features could b...
by dowse
Tue Feb 13, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2823

Re: Potentiometer for motor speed control- any electrical engineers around?

Sounds like he is well on his way! It's great that he is doing so much himself. By all means, let him run his own experiments (safely), but you might want to be an observer when he tries the rheostat. Be ready to pull the plug on it if it starts to smell like it's burning. FYI - I am a retired EE. I...
by dowse
Mon Feb 12, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2823

Re: Potentiometer for motor speed control- any electrical engineers around?

I'm guessing he's making the hovercraft. Here's the relevant rule: Electrical components shall be limited to batteries, wires, motors, switches, resistors, potentiometers, capacitors, mechanical relays, fans, and blowers. Brushless motors and integrated circuits are not permitted unless they are an...
by dowse
Mon Feb 12, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2823

Re: Potentiometer for motor speed control- any electrical engineers around?

That motor is a brushed DC electric motor used to power radio controlled cars. They are not as common anymore as most hobby radio control equipment has moved to brushless DC that require special motor controllers that perform electronic commutation (easily identifiable as the motors have 3 input wi...
by dowse
Sun Feb 11, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Potentiometer for motor speed control- any electrical engineers around?
Replies: 40
Views: 2823

Re: Potentiometer for motor speed control- any electrical engineers around?

I (and others) would be curious to know the reason for the requirements. Nonetheless, this part, while not cheap at $76, should do the job: https://www.digikey.com/product-detail/en/ohmite/RJS6R0E/RJS6R0E-ND/824085 Note - this is a 6 ohm part. I would have chosen a 2 ohm, but the lead time is 16 wee...
by dowse
Wed Feb 07, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Visiting SAN FRANCISCO
Replies: 31
Views: 2353

Re: Visiting SAN FRANCISCO

Others have mentioned some of the more popular choices, which are all good, and also some lesser known ones. Among other lesser know choices are free walking tours conducted by volunteer guides. There are a number of them focusing on different topics and neighborhoods. We went on one in the Japanese...
by dowse
Sun Jan 14, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed
Replies: 49
Views: 3097

Re: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed

Have been to Munich many times. The most recent trip was in 2013. We stayed near Fussen in order to visit the castles in the adjacent town of Schwangau. We stayed in a hotel there that we are longing to return to someday, the Landhotel Guglhupf. Our room had a balcony with a view of the castles. Acr...
by dowse
Wed Jan 10, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Question regarding forced hot water system
Replies: 19
Views: 1125

Re: Question regarding forced hot water system

I concur with your water leakage statement. But that has little to do with the question of freezing pipes due due to an extended power failure. A water detector is a good practice for an unoccupied house. How does your remote monitor do it's communicating? Internet, phone, radio? In a power failure...
by dowse
Tue Jan 09, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Question regarding forced hot water system
Replies: 19
Views: 1125

Re: Question regarding forced hot water system

Remote monitoring is useless, it will not work during a power failure. Some remote monitoring has battery backup (mine does). Of course, this not foolproof either, as the battery might fail before a freeze-up is detected during a prolonged outage. My system detects a power loss and reports it on ba...
by dowse
Tue Jan 09, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Question regarding forced hot water system
Replies: 19
Views: 1125

Re: Question regarding forced hot water system

Appreciate hearing from all the Bogleheads on my original question. From the several responses I am thinking for next year, when I leave for Florida, it would be best to have my plumber put anti-freeze in my heating pipes and to shut off the water at the supply valve. Thanks for all the comments. I...
by dowse
Tue Jan 09, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Question regarding forced hot water system
Replies: 19
Views: 1125

Re: Question regarding forced hot water system

I have a forced water system and had the same concerns, but everything I've read and been told says not to worry. We now shut off the main while we're away. Even though we're only away from home a few weeks at a time, and we have someone checking on the house, I'm sure it would be fine for months. I...
by dowse
Sun Dec 24, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 139
Views: 15144

Re: Confusion about prepaying property taxes

Thanks for the replies. I've been scouring articles http://www.nextavenue.org/year-end-tax-moves-tax-bill/ They quote Mark Luscombe, principal federal tax analyst for Wolters Kluwer Tax & Accounting. “The IRS standard is that if you know what you owe, you can prepay,” says Luscombe This would agree...