Search found 7032 matches

by celia
Fri Nov 17, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 60
Views: 1889

Re: Risks of Non-ACA Compliant Health Insurance?

Tanelorn wrote:
Fri Nov 17, 2017 7:41 pm
It's probably hard to run up $1M in costs in just 6 months, but I guess it's possible.
It's not hard at all if you have a premie with birth defects. Or the whole family is in a car accident.
by celia
Fri Nov 17, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 60
Views: 1889

Re: Risks of Non-ACA Compliant Health Insurance?

I would think there are some ACA-compliant health insurance companies you could find. Call up a doctor's office or two and talk to the person who handles insurance there. Ask what insurance(s) they accept that are ACA-compliant. Or look at the website for your state's department of insurance. Even t...
by celia
Fri Nov 17, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: RMD account
Replies: 15
Views: 945

Re: RMD account

If you like your current asset allocation and think it has the right amount of risk for you, you can just keep it. You can withdraw anything you want from it in-kind , which means to transfer the asset out without selling it and re-buying it in a taxable account. For example, you could withdraw x sh...
by celia
Fri Nov 17, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: non deductible ira moved to 401k??
Replies: 8
Views: 619

Re: non deductible ira moved to 401k??

We have seen cases in this forum where some plans accept the growth and some plans don't. We have? I've seen you claim it often. I don't recall many if any actual cases. Could you provide some thread links? OK. I would like to do this, but it is difficult to search my own posts since I have so many...
by celia
Fri Nov 17, 2017 1:15 am
Forum: Investing - Help with Personal Investments
Topic: Finance Simplicity
Replies: 36
Views: 1729

Re: Finance Simplicity

Problem is: I can't put $10,000 into a Roth IRA every year. Your only allowed $5500. All these rules need to be removed so things are simpler. This would be simple : Put $5,500 into EACH account every year. OR... In January of even-numbered years, (eg, 2018), put $10,000 or $11,000 into your Roth, ...
by celia
Fri Nov 17, 2017 12:59 am
Forum: Investing - Help with Personal Investments
Topic: Finance Simplicity
Replies: 36
Views: 1729

Re: Finance Simplicity

A checking account, savings account, credit card, AND a mutual fund?! So many rules and regulations and fees... I just stuff cash in a shoebox and hope for the best. Who on earth can possibly find 30 mins a month (year?) to negotiate a few separate retirement savings accounts????? This is too compl...
by celia
Thu Nov 16, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: non deductible ira moved to 401k??
Replies: 8
Views: 619

Re: non deductible ira moved to 401k??

They will gladly roll the non-deductible basis and any earnings back into the IRA it came from. I don't know about "gladly". Yes, They will WANT to do this since I believe that holding onto it may put their plan in jeopardy if it remains in the plan. (I don't have time to look for an official refer...
by celia
Thu Nov 16, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Been thinking about this post for a while...Mom's retirement
Replies: 13
Views: 1473

Re: Been thinking about this post for a while...Mom's retirement

Why do you feel you need to "cash out" her $300K in investments? She and your dad look like they may have already racked up a lot of taxable income for the year by withdrawing from some retirement accounts. The accounts that were owned/co-owned by your dad now have a stepped-up value, but something ...
by celia
Thu Nov 16, 2017 2:52 am
Forum: Personal Finance (Not Investing)
Topic: non deductible ira moved to 401k??
Replies: 8
Views: 619

Re: non deductible ira moved to 401k??

You will have to notify the 401K custodian of both the amount of the non-deductible contribution that they received and the growth on that contribution that they received, since they have no way of determining the growth that happened before they received the money. For example, the contribution cou...
by celia
Thu Nov 16, 2017 2:03 am
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4209

Re: Fair way to split expenses?

We have a checking account for joint expenses and each of us gets the same dollar amount for "discretionary" expenses, that we each decide how it is to be spent. Who earned the money is irrelevant. Then the question is what bills are paid out of each. The easy parts are joint household expenses and ...
by celia
Thu Nov 16, 2017 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Gifting of stock in error
Replies: 8
Views: 972

Re: Gifting of stock in error

It seems crazy to think that someone can just place securities into one's account and you have automatically accepted a gift transfer. I don't think it is possible unless you both authorized the transfer from one account to another. This "link" between accounts is usually done by a form you both si...
by celia
Wed Nov 15, 2017 3:05 am
Forum: Personal Finance (Not Investing)
Topic: question for cpa? state income tax when living / moving back and forth in CA and WA?
Replies: 17
Views: 1113

Re: question for cpa? state income tax when living / moving back and forth in CA and WA?

You'd have to read up what both states say in their tax code. I suspect you are supposed to keep a log of where you spent the night each night and see which state has over half the nights. This is the same question as when people from the NorthEast go to Florida for the winter because they have a se...
by celia
Wed Nov 15, 2017 2:42 am
Forum: Personal Finance (Not Investing)
Topic: Previous employer terminating pension
Replies: 15
Views: 2581

Re: Previous employer terminating pension

You can find ratings for insurance companies at AMBest.com.

After you sign up for a free account (you're not a robot, I hope :P ), you can then search and read about each company's financial strength and the divisions they own.
by celia
Wed Nov 15, 2017 12:27 am
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 1994

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

... I have gotten extremely skilled at waving a towel in front of my smoke detector while my wife and children huddle in the corner and ask whether the house is going to burn down. OMG! It sounds like you have a fire hazard. People are trying to tell you about it, but you are ignoring them. :!: Fir...
by celia
Mon Nov 13, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: places to live near Stanford University
Replies: 35
Views: 2613

Re: places to live near Stanford University

If you are eligible, consider on-campus faculty housing. I wouldn't mind living there and just ride my bike to work. The units I know about are for families and they are located next to graduate student housing. However, there aren't very many units and thus may be restricted to visiting faculty or ...
by celia
Mon Nov 13, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Separate Unlinked Vanguard Account
Replies: 7
Views: 508

Re: Separate Unlinked Vanguard Account

OP, what is your goal?

To have beneficiaries named differently on the accounts? To track money from different sources (eg, an inheritance or gift)? To hide money from your spouse?
by celia
Mon Nov 13, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Separate Unlinked Vanguard Account
Replies: 7
Views: 508

Re: Separate Unlinked Vanguard Account

Is there any way to have a separate account at Vanguard that will not be linked to my existing account? I'm looking for separate account number, user id, and password. Each account will have its own account number. And each user will have his/her own user id and password. (After all, you only have ...
by celia
Mon Nov 13, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: HSA mishandled by State Farm, IRS issue now
Replies: 6
Views: 986

Re: HSA mishandled by State Farm, IRS issue now

Did you make your contributions using one check or two? Did they go through the bank on the same day? That's part of the paper trail. So is the paperwork you did to open the account. And you each signed and dated a form, I'm assuming. I believe they have to save a copy of it and maybe even give one ...
by celia
Mon Nov 13, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: What might you ask In-laws' FA?
Replies: 37
Views: 2548

Re: What might you ask In-laws' FA?

I've been asked by my in-laws to go along for a meeting with their FA, a local outfit. Whose idea is it that you come along? For all you know, the advisor suggested that they bring their SIL next time since it sounds like he needs a financial advisor! My basic mission will be to understand exactly ...
by celia
Mon Nov 13, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me I'm not a total fool about my choice of a Medigap policy
Replies: 26
Views: 2306

Re: Tell me I'm not a total fool about my choice of a Medigap policy

My wife and I both signed up for Medicare and a Medigap Plan F program this year. A few years ago, I helped my parents transition from their Megacorp retiree supplemental plan when Megacorp decided to discontinue it and just give them an annual credit toward a medigap plan. My parents are both in t...
by celia
Mon Nov 13, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 3801

Re: Growth of Medicare Advantage enrollment

WARNING: "You" do know that MA plans are subsidized by in part by Part B and CMS agency. :oops: This will get political because in part Medicare Advantage was and is part of the ObamaCare debate. YMMV (YmedicareMV) disclaimer: We are on MA. Higher benefits and lower cost than Part B+Part D+ "gap" I...
by celia
Mon Nov 13, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Long term capital gains tax - effective tax is higher than 15%
Replies: 15
Views: 1052

Re: Long term capital gains tax - effective tax is higher than 15%

Why don't you print out the 1040 front and back from the projected 2017 return and compare it line-by-line to 2016?

The last dollar of last year's return may also have been taxed at a higher rate than you thought.
by celia
Mon Nov 13, 2017 3:59 am
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 3801

Re: Growth of Medicare Advantage enrollment

I hate Medicare Advantage !! I am now in a Medicare Advantage Group PPO for 11 days and today found acceptable Medical G & Part D plans to purchase. I was put into the MA account as a retiree of a Fortune 10 or so company. I understand it saves them money. I also know that the drug plan that came w...
by celia
Mon Nov 13, 2017 3:30 am
Forum: Personal Consumer Issues
Topic: Better way to get rid of old fridge?
Replies: 38
Views: 2338

Re: Better way to get rid of old fridge?

How about your electric company? Mine promotes the energy efficiency of new appliances by offering to take old refrigerators and pay you $75. +1 Edison does something like this too in So. Calif. (It still needs to be working (defined as generating cold air) since it needs to be plugged in when they...
by celia
Mon Nov 13, 2017 2:21 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth question about procedure and timeline sequence
Replies: 5
Views: 535

Re: Backdoor Roth question about procedure and timeline sequence

What you propose is possible and one way to "clear the deck" to do backdoor Roths, but the timeline is cutting it too close and the odds are good that something will go wrong. (At the investment companies, December is a very busy month, at the same time employees want to take time off for the holida...
by celia
Mon Nov 13, 2017 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Tell me I'm not a total fool about my choice of a Medigap policy
Replies: 26
Views: 2306

Re: Tell me I'm not a total fool about my choice of a Medigap policy

Nonetheless my personality is such that i would rather never see a bill of any type or even think about the deductible. I feel the same way. I have better things to do in retirement than spend time finding out why the billing is wrong (again). But then, I meet the Medicare deductible in the first v...
by celia
Sun Nov 12, 2017 2:02 am
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 77
Views: 8655

Re: Retirees: I got this!!

pacamoky wrote:
Sat Nov 11, 2017 10:44 pm
Out of curiosity for those of you who have "opened the spigot", what do you spend money on now that you didn't before?
taxes for Roth conversions
a little more travel
eating out when we don't feel like cooking (but we often walk to the restaurant for free exercise)
by celia
Sun Nov 12, 2017 1:56 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 60
Views: 6181

Re: Swedish Death Cleaning [De-clutter your home]

I'm sorry to say that this thread is full of heresy , as far as genealogists are concerned . We tend to collect anything related to relatives: photos, keepsakes, and memories. If you erase every clue as to your existence, we may not find you to include as part of the family. We can probably find yo...
by celia
Sat Nov 11, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 60
Views: 6181

Re: Swedish Death Cleaning [De-clutter your home]

Well, I started this weekend and came across things like 35mm cameras with all the accessories, pocket pc (remember the pocket pcs before blackberries?), the 1st sony digital cameras that recorded on CDs, ... For digital item, please check the memory card(s) to see if there are any photos, files, o...
by celia
Sat Nov 11, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA EFC number shock! [Expected Family Contribution]
Replies: 39
Views: 4016

Re: FAFSA EFC number shock!

Just submitted FAFSA for child #1, with numbers 2 and 3 both also in high school. I can't believe that our FAFSA EFC number is $39,000!. This with an AGI of 122k in 2016. It is not just your income that is considered, but also your taxable savings (maybe even some tax-deferred ones too, since you d...
by celia
Sat Nov 11, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a deceased relative from long distance
Replies: 12
Views: 1394

Re: How to deal with a deceased relative from long distance

OK, let's get to the point. "Mom (or whoever, she is), I am setting up my estate plan. I have a couple of decisions to make, like who I want to be the executor of my will. I am thinking of choosing <so-and-so> but if she can't do it, then <another person> would hopefully be able to do it. How did yo...
by celia
Sat Nov 11, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7108

Re: Personal letters to the sellers of your house can work!!!

DH's second parent died a few years ago and the trustee had to sell their house. It had been their "vacation house" in a beach community, but not on the beach. Before they retired to it full-time (30 years ago), they tore it down and re-built it. They maintained everything but hadn't updated the loo...
by celia
Sat Nov 11, 2017 3:14 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 77
Views: 8655

Re: Retirees: I got this!!

I didn't retire until after I was comfortable that our money would last a lifetime. We have two pensions with survivor benefits on each and can get by if we need to without SS. Currently doing Roth conversions so we can avoid the RMD "problem".
by celia
Fri Nov 10, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Updating Will To Add Additional Child
Replies: 6
Views: 433

Re: Updating Will To Add Additional Child

Our estate planning documents also include something to the effect that future children we may have or adopt are also included. Note that this would be a good time to review all your estate planning documents to see if they still do what you desire. At least, it will refresh your memory as to what y...
by celia
Fri Nov 10, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7108

Re: Personal letters to the sellers of your house can work!!!

The pre inspection was literally the same thing as a full inspection except with no report at the end. We just asked questions and took notes/pictures as we went. We didn't however have time to do a sewer scope which would have been a separate cost. If the pipe collapses soon it will suck but we ca...
by celia
Fri Nov 10, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34391

Re: Did you tell anyone you paid off your mortgage?

In some parts of the country your property tax payment alone is as high as your mortgage payment. Actually, in some parts of the country, your real estate taxes are higher than one's mortgage. So what? In ALL parts of the country, some people pay more in property taxes than one's mortgage. I'm an e...
by celia
Fri Nov 10, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Switching from Medicare Advantage (Kaiser) to Medicare Part F
Replies: 11
Views: 539

Re: Switching from Medicare Advantage (Kaiser) to Medicare Part F

For us, the big difference between Medicare Advantage and Medigap (Supplemental) plans is that the Medigap plans can be used at virtually any doctor or specialist. (Have you ever had a specialist refer you to a more specialized specialist? Many of those will not work with HMO plan referrals.) We've ...
by celia
Fri Nov 10, 2017 3:06 am
Forum: Personal Finance (Not Investing)
Topic: Inactive accounts closed?
Replies: 30
Views: 2166

Re: Inactive accounts closed?

If there is no activity and no money in an account, it is probably up to the institution as to when the account is formally closed. Of course, you can withdraw the money yourself and just notify them to close the account, too. If there is no activity in an account that has a balance, it could have m...
by celia
Fri Nov 10, 2017 2:30 am
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 7928

Re: $23k credit card emergency

Congratulations on having taken the first step of identifying a problem and taking ownership of it. Many people are in a similar circumstance but have not done anything to help solve their debt problem. If you know someone else who is working on getting out of debt (a roommate, maybe?), you might co...
by celia
Thu Nov 09, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34391

Re: Did you tell anyone you paid off your mortgage?

But here is an interesting observation related to the premise of this thread: - If you have paid your mortgage you are perceived as outrageously wealthy. - If you have always rented you are perceived as pitfully poor. Both perceptions can be far off the mark. Victoria, It is interesting that of all...
by celia
Thu Nov 09, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 7591

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

Well, this discussion certainly sets my mood for the day. Where I live it cost between $6,000 - $7,000. per month for assisted living. This is a big problem, what are Bogleheads doing about it? First of all, don't believe the big costs that are often quoted. I have a younger relative who needs to l...
by celia
Thu Nov 09, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for a surviving spouse's income
Replies: 16
Views: 1633

Re: Planning for a surviving spouse's income

I think this is something everyone should consider BEFORE they start their pension and BEFORE they start their Social Security. If you have a pension choice of taking a lower amount so that the survivor gets better coverage, that is usually recommended. At a minimum, all of these cases should be con...
by celia
Thu Nov 09, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: In 40s and no retirement [US ex-pat in Brazil]
Replies: 28
Views: 3025

Re: In 40s and no retirement [US ex-pat in Brazil]

Anytime there's a post asking for portfolio advice without mention of nontaxable accounts, multiple people respond and suggest IRA/Roth IRA and/or to "max out" on contributions. Most of us are forgetting that the OP only has $24,000 of regular income each year. That is not worth messing with tax-ad...
by celia
Wed Nov 08, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4724

Re: What do you do to keep your mind sharp?

Walk -- to get exercise
Talk -- for an exchange of ideas
Read -- to learn, mostly online but I have projects that require research
Write -- to share, do my projects and Bogleheads
by celia
Wed Nov 08, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a health plan with baby on the horizon
Replies: 7
Views: 536

Re: Choosing a health plan with baby on the horizon

There are a lot of unknowns with a baby that isn't even born yet. This isn't meant to scare you, but sometimes it is twins, a preemie, has a disability, or something doesn't go right with the birth. Granted, this is probably less than 5% of the time, but you should be prepared for whatever comes you...
by celia
Wed Nov 08, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Selling a losing equity in my Roth
Replies: 5
Views: 586

Re: Selling a losing equity in my Roth

If you had a chunk of money to put into a Roth today that was equivalent to what is in the Roth now, would you buy that stock today? I've done the same thing. I have one Roth that is my "play money" where I buy things I normally wouldn't. (I don't need to depend on this money at all.) Either I tend ...
by celia
Wed Nov 08, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34391

Re: Did you tell anyone you paid off your mortgage?

I mentioned it to a few close co-workers during work. My supervisor congratulated me and said that is a significant milestone in life. (I think hers was already paid off.) They were also aware of how my kids were progressing in school and when they graduated from college. (We used a vacation to atte...
by celia
Tue Nov 07, 2017 10:27 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2017)
Replies: 9
Views: 1297

Re: madsinger monthly report (October 2017)

mav12 wrote:
Tue Nov 07, 2017 5:40 pm
I'm new to this forum. How does one use these statistics? Who manages these portfolios?
https://www.bogleheads.org/wiki/Madsing ... ly_reports
by celia
Tue Nov 07, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: So new, it hurts to even think about it.
Replies: 25
Views: 4537

Re: So new, it hurts to even think about it.

Desired Asset allocation: 70% stocks /30 % bonds...I'm unsure of this. I know stocks are more risky and bonds are more stable(an example of the entry level knowledge I have of all this). Basically, you have it right. Desired International allocation: 15% Internationally currently. I would like to k...
by celia
Tue Nov 07, 2017 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Does an Traditional IRA contribution lose its deductibility if converted to a ROTH IRA?
Replies: 12
Views: 755

Re: Does an Traditional IRA contribution lose its deductibility if converted to a ROTH IRA?

If you are eligible to make a deductible IRA contribution, you can make it and deduct it on your taxes . But the amount you convert will be taxed (the next day or years later). If they are done in the same year, it is sort of "a wash". If you make a non-deductible traditional contributions, you pay ...