Search found 150 matches

by b4real
Tue Sep 10, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Streaming basic TV with DVR
Replies: 25
Views: 2287

Re: Streaming basic TV with DVR

+1 Youtube TV
by b4real
Wed Aug 21, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on USAA for checking? Insurance? Banking in general?
Replies: 44
Views: 2376

Re: What are your thoughts on USAA for checking? Insurance? Banking in general?

We've been with USAA about 40 years. Banking, 2.5 credit card, homeowners, car, and umbrella insurance. Have had two homeowner claims, one minor, and one fairly major. They were both handled quickly, professionally, and without any push back or hassle. The checking account is linked with Vanguard an...
by b4real
Sat Aug 10, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Received my second bill from Medicare B: $2789.00 . Why is it so much?
Replies: 11
Views: 2096

Re: Received my second bill from Medicare B: $2789.00 . Why is it so much?

Sign in to your www.socialsecurity.gov account. Establish an account it you don't already have one. Click on the "Benefits & payments" link on the right side of the page. This will show your payment information for medicare parts A,B,C, & D,
by b4real
Sat Aug 10, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage for Retirees
Replies: 28
Views: 2656

Re: Mortgage for Retirees

From a thread last year: Buying a house in retirement "We purchased in a new city after retiring and before selling our old house. The mortgage company wanted to see ongoing income that met their ratios and it didn't matter that our assets covered many times more than the mortgage. We established an...
by b4real
Thu Jul 18, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Chromebook
Replies: 18
Views: 1471

Re: Chromebook

Very happy with my switch from windows to chromebook a couple of years ago. The chromebook has been reliable, the os updates automatically and frequently, no crashes or blue screens, and no worries about viruses. Most android apps work fine and are more convenient on the chromebook than the phone. A...
by b4real
Sat Jul 13, 2019 4:10 pm
Forum: Personal Investments
Topic: Invesco Income Portfolio?
Replies: 2
Views: 344

Re: Invesco Income Portfolio?

Welcome to the forum. You may want to Start here , and also review the Boglehead Wiki article - Withdrawal methods . Many people here advocate a total return vs dividend approach to retirement withdrawals. Here are two recent threads: Dividends vs Total Return Total return vs dividends FYI, fees fro...
by b4real
Tue Apr 16, 2019 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Better banking than USAA
Replies: 10
Views: 1644

Re: Better banking than USAA

Why leave USAA FSB? - Free physical checks - Free debit cards for you and kids - Auto pay for insurance - ATM rebate - more than makes up for low interest rates - Good online bill pay feature +1 to above. Also good mobile app 40 years with USAA insurance and banking. No problems and still satisfied.
by b4real
Fri Feb 08, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Marital trust created by will
Replies: 12
Views: 1472

Re: Marital trust created by will

We are currently reviewing draft estate planning documents. The attorney has recommended re-titling the house to 50/50 tenants in common and, when the first spouse dies, the will specifies that ½ the house, ½ the taxable accounts, and the deceased spouse’s personal property are placed in a marital ...
by b4real
Thu Feb 07, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Marital trust created by will
Replies: 12
Views: 1472

Re: Marital trust created by will

Thanks horsefly! I'd be interested in your new attorney's recommendations if you'd be willing to post again on this.
by b4real
Thu Feb 07, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Marital trust created by will
Replies: 12
Views: 1472

Marital trust created by will

We are currently reviewing draft estate planning documents. The attorney has recommended re-titling the house to 50/50 tenants in common and, when the first spouse dies, the will specifies that ½ the house, ½ the taxable accounts, and the deceased spouse’s personal property are placed in a marital t...
by b4real
Fri Jan 18, 2019 11:34 am
Forum: Personal Investments
Topic: We Made It ! now need a little help
Replies: 9
Views: 2510

Re: We Made It ! now need a little help

MPLSTCH wrote:
Fri Jan 18, 2019 3:39 am
What stock sale would keep us in the 0% capital gains bracket?
You can model this with the taxcaster app.
by b4real
Fri Jan 04, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody use Vanguard Advantage do you need 1 million to avoid fees?
Replies: 23
Views: 3404

Re: Anybody use Vanguard Advantage do you need 1 million to avoid fees?

We’ve had Vanguard Advantage on our joint account since it was first available. It is managed by PNC bank with separate account number and routing number using the Federal money market fund. It is linked to our bank checking account and I have an auto ACH transfer set every month to supplement our p...
by b4real
Sun Dec 30, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Best bet for streaming YouTube TV on my TV?
Replies: 27
Views: 2158

Re: Best bet for streaming YouTube TV on my TV?

My TV has the youtube tv app. It's controlled with the TV remote. The TV also has apps for youtube, netflix, amazon prime, and vudu all controlled with the TV remote. I also have a chromecast device on the TV but rarely use it.
by b4real
Mon Dec 10, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Colorado Estate and Trust lawyer?
Replies: 7
Views: 494

Re: Colorado Estate and Trust lawyer?

Sent you a PM with the attorney we used for this and why we picked her.
by b4real
Thu Nov 15, 2018 11:29 am
Forum: Personal Investments
Topic: Portfolio decisions as we approach retirement
Replies: 26
Views: 3235

Re: Portfolio decisions as we approach retirement

Another option I hadn't considered is to get an annuity for about $400,000 giving us all we need (with Social Security) to meet our expenses and needs. The other withdrawals from the remaining invested $600,000 can be used for miscellaneous expenses and future gifting to family and charitable organ...
by b4real
Sat Nov 10, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Medicare part D- Wellcare
Replies: 10
Views: 707

Re: Medicare part D- Wellcare

After reviewing the Part D options for next year, we chose Wellcare's value plan as it was the least expensive. The mail order pharmacy they use is CVS Caremark and the preferred retail pharmacy is CVS. I don't anticipate any interaction with Wellcare other than paying the premium.
by b4real
Wed Nov 07, 2018 6:42 pm
Forum: Personal Investments
Topic: EFTPS® vs. Direct Pay what's difference? Which one should I use for Roth conversion tax payment?
Replies: 10
Views: 1187

Re: EFTPS® vs. Direct Pay what's difference? Which one should I use for Roth conversion tax payment?

Since retiring a few years ago, I've used EFTPS to schedule the year's estimated tax payments after filing taxes in April. When I looked into using Direct Pay or EFTPs, Direct Pay did not allow scheduling future payments. I don't know if that's still the case. EFTPS has worked well for me.
by b4real
Mon Oct 22, 2018 5:13 pm
Forum: Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 38
Views: 7116

Re: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus mo

We've had Vanguard Advantage since it was first available. I also have it on two trust accounts. Mobile deposit used to be available but not since the changeover to brokerage accounts. The Vanguard Advantage account is linked to our USAA checking account and funds can be transferred back and forth e...
by b4real
Fri Oct 05, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: Climate Change Investment Strategy
Replies: 21
Views: 3314

Re: Climate Change Investment Strategy

Ishares MPCT https://www.ishares.com/us/products/283378/ishares-msci-global-impact-etf-fund "The iShares MSCI Global Impact ETF seeks to track the investment results of an index composed of positive impact companies that derive a majority of their revenue from products and services that address at l...
by b4real
Wed Sep 26, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house in retirement??
Replies: 23
Views: 4229

Re: Buying house in retirement??

We purchased in a new city after retiring and before selling our old house. They wanted to see ongoing income that met the ratios and it didn't matter that our assets covered many times more than the mortgage. We established an automatic withdrawal from an IRA to meet the required amount. After clos...
by b4real
Mon Sep 24, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care
Replies: 92
Views: 5022

Re: Long Term Care

OP, we’re a little older than you and after researching LTC a few years ago decided to self fund. We set aside 10 years cost of LTC adjusted annually using https://www.genworth.com/aging-and-you/finances/cost-of-care.html as a guide to cost for a private room in our area. The 10 year amount is reduc...
by b4real
Mon Sep 24, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 8037

Re: Fed up with health insurance situation

Association health plans were recently allowed to be offered. They may provide some additional options for you.
https://www.dol.gov/general/topic/assoc ... alth-plans
by b4real
Sat Sep 22, 2018 11:22 am
Forum: Personal Investments
Topic: Investing for disabled relative
Replies: 6
Views: 757

Re: Investing for disabled relative

I am trustee of a trust that created another trust for a disabled person's inheritance share. I opened a trust account at Vanguard for the disabled person and distributed their share to the account. AFAIK, the trust assets are not subject to reporting for consideration of the disabled person's eligi...
by b4real
Fri Sep 21, 2018 5:55 pm
Forum: Personal Investments
Topic: Out of Market
Replies: 23
Views: 3602

Re: Out of Market

According to www.immediateannuities.com a life annuity for a male 78 would return about 10.6% per year. If you allocate the CD money to the annuity you may be comfortable taking a little more risk by putting the rest in target retirement income or lifestrategy income. You would then have a portfolio...
by b4real
Mon Sep 17, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 3432

Re: Experiences downsizing to single car

We’ve been retired about 4 years and downsized to one car 6 months ago. We have individual and joint google calendars shared with each other so it’s easy to coordinate schedules. We’re on the bus line and have used that a few times when there's an unavoidable conflict. We would not hesitate to use u...
by b4real
Thu Sep 06, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: How do you handle Healthcare costs in retirement
Replies: 31
Views: 2813

Re: How do you handle Healthcare costs in retirement

sixtyforty wrote:
Thu Sep 06, 2018 9:47 am
(1) For those on Medicare, do you find you need supplemental insurance and is it expensive ?
We have Plan G supplements at $142/month each and consider it a reasonable cost to insure the 20% gap.
by b4real
Sat Aug 25, 2018 3:53 pm
Forum: Personal Investments
Topic: Am I Wrong for being 100% Equities ?
Replies: 70
Views: 7429

Re: Am I Wrong for being 100% Equities ?

To Invest for Retirement Safely, Know When to Get Out of Stocks:
http://time.com/money/2861706/to-invest ... of-stocks/
by b4real
Sun Aug 12, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Joint checking accounts.
Replies: 26
Views: 2302

Re: Joint checking accounts.

Retired, have had a joint account more than 40 years. When working, paychecks were deposited and bills paid from the joint account. Excess went to retirement savings. Now, pensions and SS are auto deposited and bills mostly auto paid from the JA. If more is needed, it’s transferred from Vanguard. We...
by b4real
Thu Aug 09, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3910

Re: Grind and Brew Coffee Makers - worth it?

We had a Delonghi superautomatic for about 7 years until downsizing and moving upon retiring in 2014. It served us well, making several cups/day. It still worked but was getting temperamental and was basically worn out. After moving, we got a stainless steel french press and grinder. It cost a small...
by b4real
Tue Jul 10, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Investing for Income Vs. Taking Withdrawals?
Replies: 6
Views: 863

Re: Investing for Income Vs. Taking Withdrawals?

Vanguard's paper on Total Return investing (https://personal.vanguard.com/pdf/s352.pdf) Note, the paper is from 2012 "Executive summary. Many investors focus on the yield or income generated from their investments as the foundation for what they have available to spend. The higher the portfolio’s yi...
by b4real
Sat Jun 23, 2018 11:10 pm
Forum: Personal Investments
Topic: Need 3% Steady Income from $1.1 Mil Nest Egg
Replies: 30
Views: 5024

Re: Need 3% Steady Income from $1.1 Mil Nest Egg

The discussion of withdrawal methods in the wiki may be helpful as you put your plan together: https://www.bogleheads.org/wiki/Withdrawal_methods
by b4real
Sat Jun 02, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 3330

Re: Need to replace my Vizio TV..............

Some credit cards double the manufacture's warranty.
https://www.nerdwallet.com/blog/the-off ... ty-policy/
by b4real
Fri Jun 01, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Address in Social Security
Replies: 21
Views: 2678

Re: Changing Address in Social Security

I went through this several years ago with a disabled relative. I was tempted to make the online account but decided against it due to the many warnings. I ended up becoming representative payee.
by b4real
Fri Jun 01, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: How long does it take for SS to fix earnings record?
Replies: 17
Views: 2135

Re: How long does it take for SS to fix earnings record?

I went through this process a few years ago for my wife. Her SS had an incorrect earnings number from the early 1980’s that did not qualify towards her SS credits because it was too low. Getting credit for correct amount for that year was important to us so her SS would not be reduced due to the WEP...
by b4real
Mon Apr 30, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: How do you fund spending in retirement
Replies: 26
Views: 4395

Re: How do you fund spending in retirement

A monthly transfer from Vanguard taxable to USAA covers what our income streams don’t. Most spending is on a 2.5% cashback credit card, and most bills are auto paid via checking, CC, or billpay. The checking account shows scheduled transactions and balances 30 days into the future making management ...
by b4real
Tue Apr 24, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 73
Views: 8515

Re: [Vanguard account locked out due to deceased owner]

I was agent with full authority on a close relative’s account. When they passed away a couple of years ago, Vanguard locked the account and put me in touch with their Inheritance Services department. After I provided a death certificate and copy of the trust, Inheritance Services assisted me in sett...
by b4real
Thu Apr 19, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Ooma, Ooma Telo Air, standard or premier, Obi200
Replies: 15
Views: 2768

Re: Ooma, Ooma Telo Air, standard or premier, Obi200

I replaced our landline with an Obi200 and GV several years ago and have no complaints. My GV number rings on the house phones via the Obi and on my cell phone. DW's GV rings on the house phones and her cell. Each number has a different ring on the house phones. We have 5 wireless phones throughout ...
by b4real
Sun Apr 08, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 110
Views: 226065

Re: Experience selling car to Carmax?

We’ve been retired about 2 years and have been talking about becoming a 1 car family as we rarely use the 2nd car. This thread provided the impetus to take action. Both cars are late models in great condition and "we" decided to sell "my" car as DW wanted to keep "her" car. Last week I got quotes fr...
by b4real
Wed Apr 04, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: William Bernstein: Retirement Investing and Spending in two easy steps
Replies: 77
Views: 12786

Re: William Bernstein: Retirement Investing and Spending in two easy steps

Agree there this strategy is best suited for a limited group -- those who have enough are who are more focused on asset preservation vs a more traditional investment strategy and objective. Again, this is not geared to a multiple of the investor's expenses only those expenses that wouldn't be cover...
by b4real
Sat Mar 24, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: How to Learn to Build a Web App
Replies: 19
Views: 2374

Re: How to Learn to Build a Web App

If your app isn't too complicated, maybe an app generator would work.
https://www.websitetooltester.com/en/blog/app-makers/
by b4real
Sun Mar 11, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9766

Re: Finally Cutting the Cord - YouTube TV

We've had YTTV for about 7 months. It works great. A few months ago a YTTV app showed up on our Samsung smart tv so I only stream from the phone or chromebook occasionally. We cut the cord a few years ago and also have netflix and amazon prime. The hd antenna hasn't been used since getting YTTV.
by b4real
Mon Jan 22, 2018 4:26 pm
Forum: Personal Investments
Topic: Income in retirement questions
Replies: 15
Views: 2794

Re: Income in retirement questions

I found the book “Unveiling the Retirement Myth” by Jim Otar helpful in understanding where we stood as we were getting close to retirement. In particular, review Otar's zones to help determine how much, if any, of your nest egg should be annuitized. https://www.bogleheads.org/forum/viewtopic.php?t=...
by b4real
Fri Jan 19, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 48
Views: 4081

Re: Home Humidifier input please

After moving from a humid climate to a dry climate in 2016 we installed an Aprilaire steam humidifier for our comfort and to protect wooden musical equipment. I also installed an Aprilaire wifi thermostat. Everything can be monitored and controlled from the phone. Works great.
by b4real
Mon Jan 08, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 306
Views: 45714

Re: Anyone disenchanted with retirement?

Retired 3 years. Love this laid back, do what I want when I want lifestyle. No regrets.
by b4real
Sat Dec 30, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Public Service Credit Union (PSCU) of Colorado is trying Reverse Tier Savings to attract new deposits
Replies: 16
Views: 2739

Re: Reverse tier savings?!

I opened this account with PSCU on Black Friday with $2,000. They immediately added an additional $100 to my balance. The extra $100 is mine if I leave the money in the account for 90 Days. The 3.25% is calculated on this balance. My primary bank only pays 0.10% on my savings account. Therefore, I ...
by b4real
Fri Dec 29, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 5744

Re: Hyundai quality and reliability

2016 sonata hybrid limited. Love the car, the ride, and all the bells and whistles.
by b4real
Wed Nov 08, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 7168

Re: Eye Doctor $30 to get your Rx? Is this normal?

I see an OD who practices at an academic medical center with a large eye center. I go annually for a refraction and checkup and when I made the appointment I was told medicare doesn’t cover the refraction and it would cost $38. After checking my vision the doctor told me there was very little change...