Search found 581 matches

by MJS
Wed Jul 15, 2020 10:56 pm
Forum: Personal Consumer Issues
Topic: Personal Shopping Service with out of state delivery?
Replies: 12
Views: 670

Re: Personal Shopping Service with out of state delivery?

Am I the only one who sees lgb's posts as
........ ? No text at all.
by MJS
Tue Jul 14, 2020 10:12 pm
Forum: Personal Consumer Issues
Topic: Coffee bean grinder
Replies: 34
Views: 1643

Re: Coffee bean grinder

Get a cheap blade grinder. If the experience and quality is worth upgrading, you'll know. If not, a blade grinder is also good for grinding herbs & spices, making small batches of rice or oatmeal flour, or converting granulated sugar to icing sugar. But save your money unless you really want to upgr...
by MJS
Mon Jul 13, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: My very first $martphone!!! Please help me decide.
Replies: 45
Views: 3143

Re: My very first $martphone!!! Please help me decide.

When [if, nowdays] you test-drive the two models, assess which is more comfortable in your hand -- especially if you have small/large hands or arthritis. Also, check out access to the Symbol menu -- how do you pull up @ or £ or ()? On some models, navigating the symbol menu can be quite tedious.
by MJS
Tue Jul 07, 2020 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Semi-Retirement Withdrawal Strategy
Replies: 13
Views: 1467

Re: Semi-Retirement Withdrawal Strategy

Flyguy wrote: Sun Jul 05, 2020 12:23 pm ... Both in good health, don't plan to take SS unitl 70.
Social Security can be tricky for a family. Have you run the OpenSocialSecurity calculator using Advanced Options -- https://opensocialsecurity.com/ -- to see some alternatives?
by MJS
Tue Jul 07, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: Replacing odd-depth washer/dryer
Replies: 20
Views: 880

Re: Replacing odd-depth washer/dryer

On the interior design blogs, a common solution is to replace bifold doors with curtains/[extra long] shower curtains. The brackets give you an extra 2-3" of depth. If space permits, a longer curtain rod gets the drapes out of the way.
by MJS
Sat Jun 13, 2020 10:30 am
Forum: Investing - Theory, News & General
Topic: Frequency of Withdrawals in Retirement
Replies: 50
Views: 4142

Re: Frequency of Withdrawals in Retirement

Going into retirement, I wasn't quite sure how my budget would work. So, the first and second years, I put the whole year's income into an easily accessible money market account, with monthly budget and random travel expenditures transferred to a checking account. By the 1st December, I still had en...
by MJS
Tue Jun 02, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: How important is a light colored interior for your car in Florida? What about Apple CarPlay?
Replies: 43
Views: 2464

Re: How important is a light colored interior for your car in Florida? What about Apple CarPlay?

Light dashboards bounce glare into my eyes -- perhaps a function of height, but doubly painful when driving towards the sun or even low winter sunlight.

+1 for light exterior, light seats and basic window tinting.
by MJS
Mon Jun 01, 2020 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Income tax planning: Additional stimulus money & Safe Harbor
Replies: 2
Views: 332

Re: Income tax planning: Additional stimulus money & Safe Harbor

I expect the IRS to place it in the section of 1040 with other refundable credits (EITC, part of CTC, part of AOTC) and not with nonrefundable credits like the Retirement Saver's credit and part of CTC/AOTC. Thank you! Having the categorization and vocabulary led me to "Those who project their 2020...
by MJS
Sun May 31, 2020 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Income tax planning: Additional stimulus money & Safe Harbor
Replies: 2
Views: 332

Income tax planning: Additional stimulus money & Safe Harbor

My 2020 income will be substantially lower than 2019. The additional COVID19 Stimulus money will be claimed when filing my 2020 tax return next year. How does Stimulus money claimed in 2021 on 2020 taxes effect the Safe Harbor rule of owing the IRS less than $1,000? Does it effect Estimated Tax paym...
by MJS
Tue May 26, 2020 11:44 am
Forum: Personal Consumer Issues
Topic: Develop scotch/wine palate quickly and effectively
Replies: 31
Views: 2660

Re: Develop scotch/wine palate quickly and effectively

Pick up 3-5 50ml mini bottles of good Scotches. Do the whole 9-yard tasting, 10 ml at a time. Take elaborate notes. The next day, do a blind tasting & try to identify each sample via nose and flavor analysis. Third day, read the expert's notes and try to find them in your 10ml samples. Fourth, try a...
by MJS
Sat May 23, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Cheap way to ship a few boxes?
Replies: 14
Views: 1007

Re: Cheap way to ship a few boxes?

Roadie.com is like Uber for moving freight. Very limited starting locations, but it goes to wherever someone is planning to drive anyways. Timing may be an issue, also the drivers don't do loading & unloading.
by MJS
Wed May 20, 2020 2:13 pm
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 4643

Re: Individual stock for son's birthday

A historical stock, rather than one chosen for investment. * Bank of New York Mellon Corporation, founded 1784, listed NYSE in 1792. * Lloyd's of London, founded 1686. Plus a book on insurance. * Fiskars, plus a pair of scissors, founded 1649 * Sotheby's, founded in 1744. * Kongo Gumi, founded in 57...
by MJS
Mon May 18, 2020 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Converting trad IRA to Roth IRA
Replies: 6
Views: 589

Re: Converting trad IRA to Roth IRA

IRAs are Individual accounts, and RMDs will be calculated individually even if you file jointly. So, to give good answers, we need to know how much of your $1 million is hers and how much is yours.* If her IRA is $30,000 out of the $1M, that's a very different calculation from one where $30,000 is y...
by MJS
Mon May 11, 2020 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 tax forecast
Replies: 8
Views: 790

Re: 2020 tax forecast

the 110% safe harbor(based on last yr) will be way too much, your only choice is the 90% of current yr safe harbor. Or "... if the total tax shown on your return minus the amount you paid through withholding is less than $1,000." Optimally, you would owe $999, but I usually aim for owing $850. http...
by MJS
Sat May 09, 2020 6:15 pm
Forum: Personal Investments
Topic: Update: Taxable Portfolio Complete; Need Roth IRA Help
Replies: 16
Views: 1005

Re: Update: Taxable Portfolio Complete; Need Roth IRA Help

I'm with Escape from Ameriprise . Run away as soon you can! The extra 0.5-1.5% you'll save in fees & high ERs should start as soon as possible. Do not-quite-mirroring. Someday (like 20-40 years from now) you may want to do tax loss harvesting in your taxable account, so put very similar but non-iden...
by MJS
Fri May 08, 2020 7:16 pm
Forum: Personal Investments
Topic: Limit Roth Conversion by IRMAA or Tax Bracket?
Replies: 19
Views: 1253

Re: Limit Roth Conversion by IRMAA or Tax Bracket?

Another point to consider is the inflation-adjusted value of your RMD. If the Schwab RMD calculator shows $80,000 in 2040, that's equivalent to $50,000 in taxable income today.* The tax & IRMAA tables will (probably) be adjusted for inflation. You won't be paying at today's rates by then. * Inflatio...
by MJS
Fri May 08, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8915

Re: Percentage of savings to "prepping"?

I was thinking the same thing. Shopping at Costco automatically means that you stockpile food. If you look for the sale and clearance items, you can really stock up at bargain prices. Yes. $100/year for a Costco Executive membership. Ah, more handles of gin on sale than I can use in 5 years, but th...
by MJS
Tue May 05, 2020 1:08 am
Forum: Personal Investments
Topic: Tell me what I don't know about retirement?
Replies: 55
Views: 5116

Re: Tell me what I don't know about retirement?

Inflation is the evil twin of compounding. Play with https://smartasset.com/investing/inflation-calculator to get a sense of how much value your money loses over time. Your IRA & 401's RMD's are sneaky. Play with https://www.schwab.com/ira/understand-iras/ira-calculators/rmd to get a sense of how mu...
by MJS
Mon May 04, 2020 3:31 pm
Forum: Personal Consumer Issues
Topic: How Long Should A Bed Last?
Replies: 30
Views: 2494

Re: How Long Should A Bed Last?

InvestingGeek wrote: Mon May 04, 2020 10:29 am Is boinking frequency and intensity a factor in how long beds last?
That's "cyclic fatigue performance." And yes, it is a measurable issue.
https://www.sciencedirect.com/science/a ... 6816314172
by MJS
Sat May 02, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 294
Views: 34935

Re: What have you baked recently?

Any suggestions on what to add to basic whole wheat bread recipe to give some flavor? Substitute 1/2 cup of another meal or flour: rye, corn, almond, ... my favorite is buckwheat. Interesting tip. Do meals like cornmeal actually become part of the dough and react with the yeast? Or do they just add...
by MJS
Fri May 01, 2020 10:52 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 294
Views: 34935

Re: What have you baked recently?

knightrider wrote: Thu Apr 30, 2020 11:55 pm Any suggestions on what to add to basic whole wheat bread recipe to give some flavor?
Substitute 1/2 cup of another meal or flour: rye, corn, almond, ... my favorite is buckwheat.
by MJS
Tue Apr 28, 2020 12:12 pm
Forum: Personal Investments
Topic: Funds to Pair With Vanguard 500
Replies: 5
Views: 452

Re: Funds to Pair With Vanguard 500

VIIIX is an Institutional-Plus fund. The Institutional equivalent of VXF (ER= 0.06) is Vanguard Extended Market Index Fund Institutional Shares (VIEIX ER = 0.05). If you have VIIIX, then VIEIX is probably your best choice.
by MJS
Sat Apr 25, 2020 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Convert to Roth at Top Tax Bracket?
Replies: 35
Views: 2578

Re: Convert to Roth at Top Tax Bracket?

With no Roth conversions, I am in the 22% federal bracket. I don't know exactly how much converting I'll end up doing this year but I don't plan to go above the top of the 24% marginal bracket. Are you also considering the IRMAA brackets in planning Roth conversions? https://phillipjamesfinancial.c...
by MJS
Sat Apr 25, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus Check for Person Who Died in 2019
Replies: 27
Views: 3074

Re: Stimulus Check for Person Who Died in 2019

As an added point, a certain number of people who receive the stimulus will die this year and never file 2020 taxes. Their checks will not be clawed back. So ability to file 2020 taxes is not required.

However, I would ask the bank to return the payment.
by MJS
Sat Apr 25, 2020 8:28 pm
Forum: Personal Investments
Topic: Confused
Replies: 59
Views: 6179

Re: Confused

No one seens to have mentioned the Dreaded Cliffs of IRMAA (Medicare's Income Related Monthly Adjustment Amount) which loom before you, especially if you do Roth conversions. IRMAA adjusts how much high earners (and people who do Roth conversions) pay for Medicare. The extra amount is based on your ...
by MJS
Thu Apr 23, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: Scented Candle recommendations?
Replies: 14
Views: 793

Re: Scented Candle recommendations?

You aren't the only one enjoying scented candles during this time. This recent review sorts by type of scent. It may include a few candles you're already familiar with, so you can evaluate the evaluators. I put a drop of essential oil on the wick of my unscented candles instead if using scented cand...
by MJS
Thu Apr 23, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: Recomendation for indoor tree/plant to fill a large space?
Replies: 12
Views: 766

Re: Recomendation for indoor tree/plant to fill a large space?

Another thought is an indoor citrus tree. I'm not sure about allergens from this. Anyone have any luck growing a citrus tree inside with just a couple hours of sunlight in the morning? If you install a grow light on a timer to give it 10-15 hours of strong light per day, it would do okay. Is the co...
by MJS
Mon Apr 20, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Received stimulus funds but don't think we're eligible
Replies: 13
Views: 2036

Re: Received stimulus funds but don't think we're eligible

Wow! How could the IRS mess us such a simple calculation?!!! ... Very frustrating to know that cannot be accomplished without mistakes. There's also the possibility that some exhausted or distracted human mis-entered their bank number on the IRS site, and is now wondering when the inept IRS will ge...
by MJS
Sun Apr 19, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus check - Help?!
Replies: 17
Views: 2170

Re: Stimulus check - Help?!

RE TurboTax, H&R Block lf you paid your tax preparer by having their fees taken out of your refund, your stimulus check may have been sent to your preparer 's tax refund fee-payment bank account. The tax preparers's systems were not designed for the sudden appearance of stimulus checks a year later!...
by MJS
Sun Apr 19, 2020 10:46 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 77710

Re: Bogleheads community discussion - Coronavirus

For a good educational web-cartoon about pandemic modeling, you might want to check out this link: https://fivethirtyeight.com/features/a-comic-strip-tour-of-the-wild-world-of-pandemic-modeling/ Even I understood it! Thank you... sent it to several friends. While published on 538, it was produced b...
by MJS
Sat Apr 18, 2020 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 5413

Re: Please Help Us Get Our Stimulus Payment

As of 4/17 The Get My Payment application will return "Payment Status Not Available" for several reasons, including: You are required to file a tax return, but: We haven't finished processing your 2019 return You haven’t filed your 2019 tax return and didn’t have direct deposit information on your ...
by MJS
Fri Apr 17, 2020 6:49 pm
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8548

Re: Frugal quarantine habits to keep

We also got hair clippers so will probably get haircuts at home from now on. I also got hair clippers for the first time (managed to snag them on Ebay before they sold out). Previously, I was spending $20 per month to go to Great Clips. While not terribly expensive, it seems I can get the same hair...
by MJS
Fri Apr 17, 2020 6:36 pm
Forum: Personal Investments
Topic: What To Do With Leftover Cash In A Roth IRA?
Replies: 9
Views: 753

Re: What To Do With Leftover Cash In A Roth IRA?

Merrill Edge might have a better Sweep Account now than it did in Feb 2019, but if not here are some options.
https://www.mymoneyblog.com/merrill-edg ... tions.html
by MJS
Wed Apr 15, 2020 8:17 am
Forum: Personal Investments
Topic: roth conversion
Replies: 13
Views: 1192

Re: roth conversion

To calculate your future income for tax estimation, you will need to estimate your future RMDs. The IRS plans to update their Life Expectancy Tables real soon now. All current RMD calculators use the old Life Expectancy Tables which assume shorter life spans. So tools like https://www.schwab.com/ira...
by MJS
Wed Apr 15, 2020 7:43 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25609

Re: Get My Payment up and running

I too owed in 2019, and had to enter my 1040 & bank account data.
by MJS
Tue Apr 14, 2020 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Quarterly Taxes
Replies: 43
Views: 2624

Re: Quarterly Taxes

This has been a weird year. The interest rate on unpaid Federal tax is the federal short–term interest rate plus 3 percent*. If the short–term interest rate goes negative, will it be subtracted from 3%? And if it goes down to -3.5%, will late payers be reimbursed? * https://www.homeworksolutions.com...
by MJS
Tue Apr 14, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Zoom Meeting No Video Camera or Microphone
Replies: 25
Views: 2181

Re: Zoom Meeting No Video Camera or Microphone

If you have a smartphone, use the free zoom app. Feel free to uninstall the app right after the meeting. I've been family Zooming on an android phone. Put it in Landscape orientation. Tape the phone's back to a brick or beer stein on top of a stack of books so it 1) doesn't jiggle; 2) won't offer a...
by MJS
Mon Apr 13, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 139527

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

sawhorse wrote: Sun Apr 12, 2020 9:36 pm.

I'll have to go to a doctor's appointment tomorrow wearing a mask made from either a bedsheet and rubber bands, or a bra cup. :annoyed
Eye masks can be used as face masks. I'd put a bandana over it, but they can work alone.
by MJS
Sun Apr 12, 2020 4:22 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 77710

Re: Bogleheads community discussion - Coronavirus

https://drive.google.com/uc?export=download&id=121sFGVL3_vhuL9DCzAhU54_wsoluVtBJ 90% of Covid-19 hospital admissions have at least one of these diseases. Those aged 65 years and older were admitted at a rate of 13.8 per 100,000, with 50- to 64-year-olds next at 7.4 per 100,000 and 18- to 49-year-ol...
by MJS
Sat Apr 11, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: How do you maximize enjoyment after achieving FI?
Replies: 161
Views: 9002

Re: How do you maximize enjoyment after achieving FI?

Invest in making your 70 year old selves comfortable and happy -- take care of your bodies and home: Get shoes that fit superbly with excellent support. Get merino wool socks. Get or do manicures & pedicures every week. Find a really good dentist and take care of your teeth: ditto eyes. Spend money ...
by MJS
Sat Apr 11, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29747

Re: just got my $1200 stimulus payment

Curious: are the people who got their checks born in the first week of the month? That's how Social Security checks are staggered and it might account for some getting earlier checks. You might find this link from the Ways and Means Committee helpful. https://waysandmeans.house.gov/sites/democrats....
by MJS
Sat Apr 11, 2020 3:00 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29747

Re: just got my $1200 stimulus payment

Curious: are the people who got their checks born in the first week of the month? That's how Social Security checks are staggered and it might account for some getting earlier checks.
by MJS
Thu Apr 09, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff - Am I crazy?
Replies: 81
Views: 5873

Re: Mortgage payoff - Am I crazy?

The major advantage of a mortgage is that it acts as an inflation hedge.* Current future prediction gurus (yeah, 8 ball time!) suggest that there is an increased risk of inflation in the next few years.** Given your financial situation, and thinking of your mortgage as a portfolio diversification to...
by MJS
Sun Apr 05, 2020 3:55 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- 2020 First Quarter Winners
Replies: 11
Views: 1264

Re: Lifestyle changes caused by the coronavirus

Our politicians are arguing whether or not to let two virus-infected cruise ships disembark. We can see them offshore from our balcony. We are the cruise capital of the world. I think we have a duty to (carefully) let them land and return home. As one of the passengers on the Rotterdam, I'm profoun...
by MJS
Fri Apr 03, 2020 8:49 am
Forum: Investing - Theory, News & General
Topic: The end of cruise ships [cruise line stock prices]
Replies: 248
Views: 26959

Re: The end of cruise ships

By the way, I'm not anti-cruise ship by any means. I just thought it was dumb to claim it would be better to be quarantined on a ship then on land. I've been on the Zaandam/Rotterdam since March 7. Holland America is paying for the cruise, reimbursing all on board purchases, and providing the retur...
by MJS
Tue Mar 31, 2020 8:02 am
Forum: Personal Consumer Issues
Topic: Is the coronavirus stay-at-home experience a preview of retirement life?
Replies: 61
Views: 4393

Re: Is the coronavirus stay-at-home experience a preview of retirement life?

Retirement? No.

Life as a shut-in, the frail elderly, those who are poor and handicapped? Yes.

Nothing like experience to give one compassion.
by MJS
Sun Mar 29, 2020 8:09 am
Forum: Forum Issues and Administration
Topic: Giving thanks to our moderators
Replies: 92
Views: 6828

Re: Giving thanks to our moderators

🌿🌹🌹🌹🌿🌹🌹🌹🌿🌹🌹🌹🌿🌹🌹🌹🌿
A dozen roses and many thanks!
by MJS
Wed Mar 25, 2020 8:48 am
Forum: Personal Investments
Topic: dead cat mouse
Replies: 56
Views: 5930

Re: dead cat mouse

Musta been a heck of a mouse! :happy This virus really is turning out to be the "Mouse that Roared". https://www.youtube.com/watch?v=wdsXhod2Tbw (fantastic movie and main actor was Peter Sellers ) Oh! When I read the book it was contemporary fiction; now it's historical. The book and its series wer...
by MJS
Tue Mar 24, 2020 4:40 pm
Forum: Personal Investments
Topic: Roth Conversion now
Replies: 8
Views: 986

Re: Roth Conversion now

Yes, being able to covert 14% of your shares for the price of formerly converting 10% is a bargin. However, keeping the conversion under the IRMAA cliff is important. Great advice on the IRMAA Cliff. Another website, FIPhysician.com, said that we don't even know the first three tiers of the IRMAA C...