Search found 461 matches

by Globalviewer58
Tue Jul 10, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dad asked for my help on pension decision that I do not understand
Replies: 43
Views: 3295

Re: Dad asked for my help on pension decision that I do not understand

Using your figure of $63,021 as the offered lump sum and comparing to the quote for a SPIA (Single Premium Immediate Annuity) at www.immediateannuities.com, he could receive a monthly payment of $387. So in that case it would be preferred to roll the lump sum over to a Rollover IRA or a 401K account...
by Globalviewer58
Tue Jul 03, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 3789

Re: Neighbor's drainage issue causing problems

OP: The drain photo shows an obvious first step will be to properly maintain the drain so it is clear of any resistance to the flow of water. Removing the vegetation periodically is going to be an on-going need. I would see how this changes the ponding problem before investing in other remedies.
by Globalviewer58
Mon Jun 18, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Severance Package Question
Replies: 60
Views: 5896

Re: Severance Package Question

File your claim in the state where you worked.
by Globalviewer58
Wed Jun 13, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 52
Views: 4905

Re: Living Abroad - Who's done it?

Yes, lived in Germany, for about 3 years. One of the best times of my life. Learned to speak casual German while living there but strongly suggest having some fluency in the local language and it seems you have Spanish so that should guide your search. If you and your spouse are in agreement then ma...
by Globalviewer58
Thu Jun 07, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Carseat required in East Asian countries?
Replies: 2
Views: 341

Re: Carseat required in East Asian countries?

I have not traveled to either country but here's what I found: Korean law requires that children under six (6) years of age be secured in a child car seat. The fine for not using a car seat as required by law is 30,000 won. Unlike many other countries, this law does not specify which type of car sea...
by Globalviewer58
Wed Jun 06, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: WSJ:Social Security Expected to Dip Into Its Reserves This Year
Replies: 61
Views: 3244

Re: Social Security crossover point has arrived

Both SS and Medicare funding will be solved in short order by implementing Dr. Ezekiel Emmanuel's personal plan to stop medical intervention after age 75. No medical testing, no hospital stays, no prescription medications.
by Globalviewer58
Mon Jun 04, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4355

Re: Travel advice for an engineer

The Jain Temple in Ranakpur, Rajasthan, India. Off the beaten path but a marvel of carved columns from the 15th century. Here's the Wikipedia link: https://en.wikipedia.org/wiki/Ranakpur_ ... _India.jpg
by Globalviewer58
Mon Jun 04, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Pending Layoff / Can I retire?
Replies: 31
Views: 4567

Re: Pending Layoff / Can I retire?

There are so many startup failures that you stand a better than even chance of working for free if you accept employment for stock only. My friend showed me a resume with > 20 startup employers over about that same # of years. They all had a promising story and RSUs but eventually faded due to a var...
by Globalviewer58
Thu May 31, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: belize with kids -- advice?
Replies: 8
Views: 848

Re: belize with kids -- advice?

I suggest you look at TripAdvisor website to see the most popular activities and determine whether these are of interest for you and your family. Water activities are the top things on the list. Do you want to earn SCUBA Certification? We stayed on Ambergris Caye 10 years ago to enjoy SCUBA diving. ...
by Globalviewer58
Tue May 22, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Bird Nest in bathroom exhaust fan vent
Replies: 10
Views: 1088

Re: Bird Nest in bathroom exhaust fan vent

To keep the birds out permanently you can install a backdraft damper like this one: https://www.build.com/continental-fan-manufacturing-bdd100/s432039?uid=1471536&source=gg-gba-pla_1471536!c214950439!a14563473199!dc!ng&gclid=EAIaIQobChMIh-qQ_ZGa2wIVXLXACh0JRwNXEAQYASABEgI6q_D_BwE You might call a si...
by Globalviewer58
Tue May 15, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Considerations for married couple living in two states
Replies: 1
Views: 292

Re: Considerations for married couple living in two states

Tax Planning: For the years when you both live in separate states you will file one Federal MFJ return with the IRS. Then you can use a tool like TurboTax to prepare a Federal MFS return for each of you that allocates deductions and recognizes only your individual income to be taxed by your state. T...
by Globalviewer58
Wed May 09, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5829

Re: What's the view on dogs running free?

If the dogs are not aggressive to humans it is not a big deal. It seems the owner is making an effort to minimize your bother by retrieving his wandering hound. What would concern me is a when dog that is aggressive is allowed to run free. Still remember the 11-year old playing in the park one day i...
by Globalviewer58
Tue May 08, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Build a retaining wall ?
Replies: 19
Views: 1622

Re: Build a retaining wall ?

Another idea is to search for the condition, such as soil loss, and see solutions. Here's a set of solutions for Soil Loss due to Downspout drainage:

https://www.fairfaxcounty.gov/soil-wate ... rol-runoff
by Globalviewer58
Thu May 03, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: A Clamp, My Kingdom for a Clamp
Replies: 6
Views: 882

Re: A Clamp, My Kingdom for a Clamp

Menard's offers a Suspensulator to support pipes. https://www.menards.com/main/pipe-supports/pipe-hangers-accessories/cts-suspensulator-trade/558-e2pk2/p-1444442673668-c-9424.htm?tid=-1337907579724513502&ipos=2 You could use this under the deck on a couple of joists to support the pipe. Another prod...
by Globalviewer58
Sat Apr 28, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Bee in the house - what to do???
Replies: 27
Views: 1558

Re: Bee in the house - what to do???

Bees clustered on the side of the house may be guard bees literally guarding the entry hole. Arm yourself with a bee killing spray and protective clothing for your arms, hands and face. Wait for dusk or get up before dawn and spray the guard bees. Once they are eliminated, spray the entry hole and i...
by Globalviewer58
Fri Apr 27, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7870

Re: Money vs. Work-life balance

I stopped chasing the next big raise years ago because the flexibility and favorable work/ life balance of my work situation were more important to me. The people I work with come in with their best every day in part because of the flexibility offered.
by Globalviewer58
Thu Apr 19, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 3820

Re: Good Dad, Bad Dad

Are you in an area that has good Uber or Lyft coverage? If so it may make more sense to let him pay for his rides rather than sink $ into a car with the known insurance cost. How many rides can he buy to and from school instead of paying for insurance and gas?
by Globalviewer58
Mon Apr 16, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: $4,400 in AMT? sanity check, please?
Replies: 11
Views: 1604

Re: $4,400 in AMT? sanity check, please?

AGI $297K minus AMT exemption $84.5K = $212.5K x 26% = $55.25K
AGI $297K minus AMT exemption $84.5K = $212.5K x 28% = $59.5K
so your TaxAct result looks about right.
by Globalviewer58
Mon Apr 16, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Yellowstone time needed
Replies: 22
Views: 2455

Re: Yellowstone time needed

The OP should realize that Yellowstone lodging books up a year in advance. If you plan now you may be able to reserve rooms for the 2019 season.
by Globalviewer58
Tue Apr 10, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative website for those in lower tax brackets?
Replies: 59
Views: 5761

Re: Alternative website for those in lower tax brackets?

While it does not solve the OP's issue of finding or calculating fund returns for intermediate income tax rates, it may be interesting to note that the reason the returns are calculated using the highest rate is the SEC Final Rule that became effective in April 2001. For those with a passion for mor...
by Globalviewer58
Fri Apr 06, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Lost wallet
Replies: 13
Views: 1387

Re: Lost wallet

Report the loss to the local police department. A good samaritan may turn it in.
by Globalviewer58
Fri Apr 06, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help needed - Getting serious w/finances
Replies: 17
Views: 1721

Re: Getting serious w/finances

Financially better to consider student loans as a joint effort to pay off the highest interest loan first, next highest loan, etc. So any extra payments you can make to pay them off in this order will give the best financial outcome for both of you. You could make a spreadsheet showing the balance, ...
by Globalviewer58
Fri Apr 06, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Home remodel questions
Replies: 10
Views: 1539

Re: Home remodel questions

Does your agreement also include a Contractor Lien Release Waiver? This is necessary to avoid being put in the middle of a dispute between the GC and subs or material suppliers. Here's a link for how this can be used: https://www.angieslist.com/articles/what-contractor-lien-release-or-subcontractor-...
by Globalviewer58
Wed Apr 04, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Estimated taxes for 2018
Replies: 18
Views: 1875

Re: Estimated taxes for 2018

Have you tried the free TaxCaster tool available online through TurboTax? They claim the 2018 reforms are in the forecasting tool for 2018.
by Globalviewer58
Tue Mar 20, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Financial checklist after passing of a spouse
Replies: 22
Views: 2264

Re: Financial checklist after passing of a spouse

Best checklist I can recall is a post from the year 2013 you can find by searching the term, Death Book, or using this link: viewtopic.php?t=119346
by Globalviewer58
Thu Mar 08, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3954

Re: MD-Phd (Harvard) vs MSTP (School X)

For the unwashed who read this post, MSTP = Medical Science Training Program, a course of study to earn an MD and a science PhD with clinical or bioscience research focus.
by Globalviewer58
Sat Feb 17, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: ios fitness/stretching apps
Replies: 3
Views: 222

Re: ios fitness/stretching apps

YouTube videos are abundant. To get started you might try the 8 minute abs, 8 minute arms and 8 minute legs videos. Although they were made years ago the models demonstrate the exercise as you progress through about 16 exercises in the 8 minutes. Start slow with no weights and add as you progress. T...
by Globalviewer58
Sun Jan 14, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Unwinding Stocks - Where to Start?
Replies: 21
Views: 1551

Re: Unwinding Stocks - Where to Start?

OP, it may be that you have 5 years to enjoy 0% tax rate on CGs. Once you reach age 70 and begin taking RMDs and collecting SS benefits you may be in a higher income tax bracket and lose access to 0% CG rates.
by Globalviewer58
Sat Jan 13, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Quick question on paying Estimate Tax
Replies: 5
Views: 588

Re: Quick question on paying Estimate Tax

Payment can be mailed and considered timely with a Jan. 16 postmark. Include the 1040-ES with your check.
by Globalviewer58
Wed Jan 03, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: India tourist visa - possible to expedite?
Replies: 11
Views: 1145

Re: India tourist visa - possible to expedite?

My experience is that after submitting the online application I received a submittal number that was helpful when inquiring about the status of the application. Although this was several years ago, the time to process was about 10 calendar days for a 10-year multiple entry visa. Do you have a copy o...
by Globalviewer58
Tue Jan 02, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Annoying/Loud Sidewall Power Venter
Replies: 6
Views: 567

Re: Annoying/Loud Sidewall Power Venter

The power vent should start when the furnace gets a call for heat which starts the burner. The vent should shut off a few minutes after the burner stops. Cold weather will result in more frequent cycling of the furnace so this is to be expected. If the elapsed time between venter shutting off and re...
by Globalviewer58
Fri Dec 29, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: long term capital gain distribution tax
Replies: 8
Views: 782

Re: long term capital gain distribution tax

For taxpayers in the 15% federal income tax bracket, The tax rate on LTCG is 0% whether the gain is realized from sale of stock, mutual fund or a distribution.
by Globalviewer58
Wed Dec 27, 2017 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Introduction time
Replies: 21
Views: 1780

Re: Introduction time

theanalyst has an opportunity to study the economics of dozens of companies and industries asking for and using credit. Identifying the key drivers of success for your clients is one of the great opportunities here. Who should get credit? How much? How will underperformers battle back to acceptable ...
by Globalviewer58
Mon Dec 25, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: 401k question
Replies: 3
Views: 543

Re: 401k question

If your contributions are $24,000 then the Employer match seems to be $1,500 based on the $0.25 match on 25% of your contributions. Is there a bond fund offered in the 401k? It would seem the tax deferral and company match would outpace fixed income returns unless the ER is more than 2%.
by Globalviewer58
Tue Dec 19, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Portofolio Advice for wildly unbalanced portfolio 97/3
Replies: 25
Views: 2130

Re: Portofolio Advice for wildly unbalanced portfolio 97/3

OP, have you calculated for each lot of options the amount that will be taxed as ordinary compensation versus capital gains at today's price? You'll want to know this to make the best choice of lot sales for tax purposes.
by Globalviewer58
Tue Dec 19, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Please help me understand the SS - WEP (Windfall Elim. Provision)
Replies: 5
Views: 617

Re: Please help me understand the SS - WEP (Windfall Elim. Provision)

From the first link you posted, the opening paragraph states, "If you paid Social Security tax on 30 years of substantial earnings you are not affected by the Windfall Elimination Provision (WEP)." So in your case you note you are having SS deducted from earnings. Looks like you are NOT affected by ...
by Globalviewer58
Mon Dec 18, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: Diversification: Is there any way to produce the same returns with less risk?
Replies: 52
Views: 5791

Re: Diversification: Is there any way to produce the same returns with less risk?

OP would benefit from reading the results of a search using the term, Efficient Frontier. This is in essence what he/she is seeking.
by Globalviewer58
Sun Dec 17, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 8559

Re: New job offer - background check

Our state has a site that may be similar to public records you can search. The format is www.mystate.AB.gov where AB is the abbreviation for your state. Once on the site you enter the name, DOB and select criminal, civil and other courts for search parameters. This will allow you to see what is easi...
by Globalviewer58
Sat Dec 16, 2017 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home with structural issues
Replies: 51
Views: 4259

Re: Buy home with structural issues

You might have a licensed professional structural engineer review the foundation contractor’s report and comment on the completeness of the analysis and conclusions. The engineer can be a resource to ask the right questions of the contractor. The engineer may want to look at the as-built plans appro...
by Globalviewer58
Thu Dec 14, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Active Duty Military Bereavement Leave?
Replies: 16
Views: 2922

Re: Active Duty Military Bereavement Leave?

If your brother is unable to get leave you might consider Live Streaming the funeral so he can "attend" from afar. The technology is being applied for funerals for exactly the situation your brother faces. This is a sensitive issue for some but my guess is that the funeral home staff have set this u...
by Globalviewer58
Wed Dec 13, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: 3 accounts, 30 plus funds, 330,000 value, 2 advisers
Replies: 15
Views: 1614

Re: 3 accounts, 30 plus funds, 330,000 value, 2 advisers

Have you considered rolling over the retirement accounts to Vanguard or Fidelity or Schwab and constructing a 3-fund portfolio? Customer service at any of these firms can start the rollover process. If you have other funds in addition to the retirement accounts you should read the Wiki on fund place...
by Globalviewer58
Sat Dec 02, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Tax loss harvesting - sold Company stock but Company provides distribution of stock as part of 401K (auto)
Replies: 5
Views: 374

Re: Tax loss harvesting - sold Company stock but Company provides distribution of stock as part of 401K (auto)

It seems the stocks you sold to harvest losses are substantially different than the company A stock sold that resulted in gains. This is not considered a wash sale so you should be able to offset your gains with the realized losses.

The Wiki has a page on Wash Sale Rules that can be helpful.
by Globalviewer58
Thu Nov 30, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Personal Portfolio & Inheritance
Replies: 3
Views: 513

Re: Help with Personal Portfolio & Inheritance

Regarding the inherited retirement accounts, your wife should consider using part of the RMD to pay down the student loan debt. Your post shows you are in the 25% Federal Tax Bracket and I am assuming that is the case with her taking the RMDs. You could calculate the amount of a distribution to get ...
by Globalviewer58
Mon Nov 27, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13802

Re: Divs and Cap Gains are killing me

Are you taking time to harvest tax losses? This is an annual effort to take advantage of any paper losses to offset investment income.
by Globalviewer58
Thu Nov 09, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: How to buy a new car with a trade-in.
Replies: 24
Views: 2019

Re: How to buy a new car with a trade-in.

The best deal is to treat these as 2 transactions but this requires a bit more work on your part. Some dealerships need used cars and will purchase the vehicle from you even if you do not plan to buy a car. One that comes to mind in our area is AutoNation. Ask them for an offer. Experience tells me ...
by Globalviewer58
Thu Nov 09, 2017 1:33 pm
Forum: Personal Consumer Issues
Topic: What is the difference between retiring and resigning from a job?
Replies: 42
Views: 7032

Re: What is the difference between retiring and resigning from a job?

No financial difference since you will not qualify for unemployment benefits in either case as you indicated you do not plan to look for work. Both forms are qualifying life events to make you eligible for COBRA health insurance participation if you choose.
by Globalviewer58
Tue Nov 07, 2017 5:35 pm
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 10079

Re: "I took all my money out of the stock market and it feels amazing"

So the author knows, "exactly how much money I need to live on", which implies that she knows her exact age at death, the annual change in CPI, her spending rate and interest rates for this exact time.

What a leap to believe she knows these factors.
by Globalviewer58
Tue Oct 31, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Get Lexus service at Toyota and save?
Replies: 29
Views: 2251

Re: Get Lexus service at Toyota and save?

Had oil change and tire rotation on Lexus at Sears two weeks ago. FREE tire rotation coupon had me out the door at $36. I drop it off, walk to work and pick up at end of day so no waiting time.
by Globalviewer58
Wed Oct 25, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: end of year distributions
Replies: 3
Views: 425

Re: end of year distributions

You should be indifferent to selling now or waiting until after the distribution is made because the net asset value of the fund should decline by the same amount as the distribution.
by Globalviewer58
Tue Oct 24, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: What does a defensive position look like?
Replies: 8
Views: 1202

Re: What does a defensive position look like?

Seems like you have 2 financial goals with different needs. One is to save for retirement and position your assets to benefit from stock price appreciation over the next 20 years. Your 80/20 works for this goal. Second goal is to fund college expenses. You can save for this or borrow or use a combin...