Search found 1453 matches

by samsoes
Sun Nov 10, 2019 3:52 pm
Forum: Personal Investments
Topic: What should the AA of a young retiree be?
Replies: 20
Views: 1726

Re: What should the AA of a young retiree be?

I just FIRE'd, mid-50's, single, no kids, not intending to leave anyone an inheritance.
I've accumulated > 51x of 150% expenses (not including SS). Current AA: 70/30.
No more Megacorp Rat Race for me.
by samsoes
Fri Nov 08, 2019 3:18 pm
Forum: Personal Investments
Topic: Question about the 5 Year Rule for Roths
Replies: 14
Views: 1973

Re: Question about the 5 Year Rule for Roths

Roth contributions are Roth contributions, regardless of the number of times you roll them around to different custodians. Just keep your 1099-R forms to substantiate the aggregate contribution amount. Aren't contributions reported on a 5498, and distributions/withdrawals on a 1099-R? I wish I had ...
by samsoes
Thu Nov 07, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2816

Re: Question on refilling prescriptions

I did the pill-splitting thing once, with a cholesterol med. It wasn't time released or coated, etc., so splitting theoretically worked. Bought a pill-splitter from CVS. Even though the pills were scored, they hardly ever split 50/50. Most of the time it was 60/40 or worse. Oftentimes, the pills cru...
by samsoes
Thu Nov 07, 2019 1:31 pm
Forum: Personal Investments
Topic: Question about the 5 Year Rule for Roths
Replies: 14
Views: 1973

Re: Question about the 5 Year Rule for Roths

Roth contributions are Roth contributions, regardless of the number of times you roll them around to different custodians. Just keep your 5498 forms to substantiate the aggregate contribution amount. Edit: I mistakenly said 1099-R when I meant 5498. These are received in May and reflect IRA contribu...
by samsoes
Thu Nov 07, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use this HSA plan?
Replies: 6
Views: 362

Re: Should I use this HSA plan?

The "basic" insurance option is less expensive than the HDHP/HSA? That's bizarre. My old Megacorp heavily encouraged HDHP's (with HSA) by making them free for single employees, and substantially cheaper for those with spouses and kids. Plus they contributed significantly into the HSA. From what you'...
by samsoes
Thu Nov 07, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: How does bookkeeping for an HSA work (keeping receipts for decades)
Replies: 6
Views: 630

Re: How does bookkeeping for an HSA work (keeping receipts for decades)

...paying out of pocket for health care expenses and then submitting receipts years or decades later from the HSA. Unlike an FSA, you don't have to submit anything to get reimbursement from a HSA. You simply write yourself a check from the HSA to get reimbursed. Just make sure you have a record of ...
by samsoes
Wed Nov 06, 2019 6:34 am
Forum: Personal Finance (Not Investing)
Topic: How common is ACH fraud on checking accounts?
Replies: 55
Views: 11595

Re: How common is ACH fraud on checking accounts?

I think they are trying to say to never give your routing and account number to anyone. Online bill pay, for instance, at most banks does not divulge the checking account number to the payee. That depends. When using online bill pay, and the payee can't receive electronic payments, they are sent a ...
by samsoes
Fri Nov 01, 2019 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Date to cash savings bonds at bank
Replies: 4
Views: 448

Re: Date to cash savings bonds at bank

Always cash savings bonds on the first of the month. You'll get the maximum interest for the month at that point. Waiting until the 31st will not give you anything more. Unless you have a stack of bonds an inch thick, they will be processed while you wait.
by samsoes
Fri Nov 01, 2019 6:45 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3782

Re: VPNs

runner3081 wrote: Tue Oct 29, 2019 10:05 pm Windscribe. Free.
Beware of "free" VPN services. They make money off of you somehow: https://restoreprivacy.com/free-vpn/
by samsoes
Mon Oct 28, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: Furnace air filters
Replies: 37
Views: 3325

Re: Furnace air filters

I use www.FiltersFast.com -- they would likely provide a $5 coupon for a first-time user.
by samsoes
Thu Oct 24, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: How to get quicker hot water
Replies: 45
Views: 2742

Re: How to get quicker hot water

Agree, wholeheartedly.

I've gone on rural missionary trips to a few impoverished countries, and clean water is a huge concern for these folks.
by samsoes
Thu Oct 17, 2019 8:48 am
Forum: Personal Investments
Topic: How to buy NTSX in Vanguard [large spread]?
Replies: 22
Views: 1701

Re: How to buy NTSX in Vanguard [large spread]?

Hello BHs, Can someone please guide me on the best way to buy NTSX in Vanguard. The main confusion I have is the HUGE difference between Bid and Ask. I am assuming that I should not place Market order. I checked some other ETFs and the difference in Bid and Ask is in cents, but with NTSX it's very ...
by samsoes
Wed Oct 16, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4966

Re: Good camera system to watch the babysitter

greg24 wrote: Wed Oct 16, 2019 3:46 pm Is it legal in your state to secretly video tape an employee? A minor employee? Or I guess he/she would be an independent contractor.
Depends if the "Nanny tax" was paid or a 1099 provided to the babysitter.
by samsoes
Wed Oct 16, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Good camera system to watch the nanny
Replies: 70
Views: 4966

Re: Good camera system to watch the babysitter

SrGrumpy wrote: Wed Oct 16, 2019 1:35 pm Will this camera catch her doing coke in the bathroom? ... some dude in your bedroom?
The camera may capture images of the aforementioned dude entering the house and heading to the bedroom with the babysitter...
by samsoes
Wed Oct 16, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra coverage and ACA mandate
Replies: 9
Views: 906

Re: Cobra coverage and ACA mandate

Thanks to these forums, I'm thinking we will simply rely on the ability to start cobra within 60 days, and for it to create retroactive coverage. IE if something happens requiring medical care during that month, we will sign up for Cobra AFTER it happens and get it covered that way. Are you certain...
by samsoes
Wed Oct 16, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid Medicare IRMAA Surcharge
Replies: 72
Views: 6520

Re: How to avoid Medicare IRMAA Surcharge

retiredjg wrote: Wed Oct 16, 2019 7:40 am I took it as a typo.

However, Roth 401k/403b and Roth TSP are subject to RMDs but most people find that easy to get around by doing a rollover to Roth IRA.
Ohhhhh...see? I learned something. I didn't know Roth employer plans are subject to RMDs. The folks on this site are the best!
by samsoes
Wed Oct 16, 2019 7:33 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid Medicare IRMAA Surcharge
Replies: 72
Views: 6520

Re: How to avoid Medicare IRMAA Surcharge

Small Law Survivor wrote: Mon Oct 07, 2019 6:55 am And, since RMDs are determined by the value of the tRoth portfolio
As I understand it, RMD's are determined by the 12/31 balance of traditional IRAs; Roth balances don't enter the RMD equation at all. Have things changed recently?
by samsoes
Tue Oct 15, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: How much do you spend on cellular annually?
Replies: 59
Views: 4727

Re: How much do you spend on cellular annually?

$420 annually with Cricket, on the AT&T network.

It's $35/month, unlimited talk and text, 5 GB of data. If you go over data, there's no additional charge, they just slow you down until the next billing cycle. (I've only come close once in 2 years.)
by samsoes
Mon Oct 14, 2019 9:28 pm
Forum: Investing - Theory, News & General
Topic: When Is The Bid Ask Spread Lowest During The Trading Day?
Replies: 20
Views: 2095

Re: When Is The Bid Ask Spread Lowest During The Trading Day?

. https://www.jstor.org/stable/2331344?seq=1#page_scan_tab_contents The above 1995 article on NYSE bid ask spreads mentions a U shaped spread pattern, but doesn't go into more detail in the abstract. Is there newer research? Back in 1995, trades occurred in fractions; spreads were typically much hi...
by samsoes
Mon Oct 14, 2019 6:00 pm
Forum: Personal Investments
Topic: Withdrawal Plan. McClung or Allocation Bands?
Replies: 47
Views: 3996

Re: Withdrawal Plan. McClung or Allocation Bands?

Sorry, I haven't read McClung's book... When saying stocks up 20%, is that a relative 20%? For example, in a 50/50 portfolio, stocks rising a relative 20% would mean stocks have reached 60% of the portfolio (50*1.2). Or does the 20% increase in stocks refer to an absolute 20%, meaning stocks have re...
by samsoes
Mon Oct 14, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6761

Re: Frustrated with dentist fees

That rude staff member who threatened collection action would cause me to find a new dentist post-haste, while leaving behind an online review regarding the office staff.
by samsoes
Mon Oct 14, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: X Country Driving Trip across the US, solo
Replies: 25
Views: 2324

Re: X Country Driving Trip across the US, solo

No offense, but this sounds like a nightmare. Agreed. I'm goal-driven, so if my goal was to drive to state X across the country, I'd likely plot the fastest and most direct route. Stopping along the way to see various sights is what I call dilly-dallying (again, no offense, that's just me). The 198...
by samsoes
Thu Oct 10, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?
Replies: 64
Views: 5156

Re: $575 to replace rear brake pads and rotors on a 2017 Subaru Forester?

The work you described isn't body work, it's mechanical. (Body work is repairing dents and damage due to auto accidents, rust etc.) For reference, I paid about that much for pads and rotors to a dealer in Connecticut (Honda), so the price sounds right. You can probably get the work done for less if ...
by samsoes
Thu Oct 10, 2019 3:07 pm
Forum: Investing - Theory, News & General
Topic: Tips/suggestions for graduating college students
Replies: 11
Views: 1315

Re: Tips/suggestions for graduating college students

Marry someone really old and really rich. :moneybag
by samsoes
Wed Oct 09, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 11047

Re: Do you carry your passport with you during international travel?

Depends on the country. The European countries I've been to (France, Italy, Belgium), the hotel safe is fine. Some third-would countries I've been to on mission trips in rural areas, I keep the passport, a couple of hundred USD in 20's, and a credit card, all in my money belt. This is my "get me to ...
by samsoes
Wed Oct 09, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Solar Installation - 1.5 Year Later (Updated)
Replies: 87
Views: 14786

Re: Solar Installation - 0.75 Year Later

As PG&E cuts power to an area of California, is there anything in the short term (sans installing batteries) that a user can do to allow the inverter to run without grid connection? Not likely. The requirement that your panel system shuts down when commercial power is out protects line workers from...
by samsoes
Wed Oct 09, 2019 9:05 am
Forum: Personal Investments
Topic: Starting out- Roth IRA-ETF's
Replies: 13
Views: 1453

Re: Starting out- Roth IRA-ETF's

Absolutely! ETF's are ideal for a Roth, especially if you can't make the Vanguard Mutual fund minimum. At your age, put 100% into VTI (Vanguard Total Stock Market ETF), which has an amazingly low ER of 0.03%. It tracks the CRSP US Total Market Index. https://investor.vanguard.com/etf/profile/VTI Ho...
by samsoes
Sun Oct 06, 2019 3:03 pm
Forum: Personal Investments
Topic: Starting out- Roth IRA-ETF's
Replies: 13
Views: 1453

Re: Starting out- Roth IRA-ETF's

Absolutely! ETF's are ideal for a Roth, especially if you can't make the Vanguard Mutual fund minimum. At your age, put 100% into VTI (Vanguard Total Stock Market ETF), which has an amazingly low ER of 0.03%. It tracks the CRSP US Total Market Index. https://investor.vanguard.com/etf/profile/VTI Hol...
by samsoes
Thu Oct 03, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: SPIA and your health
Replies: 25
Views: 2818

Re: SPIA and your health

Why don't you trust your doctor's assessments of yours and your wife's health?
by samsoes
Wed Oct 02, 2019 5:10 am
Forum: Personal Investments
Topic: Creating "your own Index ETF"
Replies: 14
Views: 1025

Re: Creating "your own Index ETF"

Hi! I just stumbled upon the information that Charles Schwab is reducing a lot of trading fees to zero (https://www.wsj.com/articles/charles-schwab-ending-online-trading-commissions-on-u-s-listed-products-11569935983). I guess this will force other brokers to do something similar. That actually mad...
by samsoes
Fri Sep 27, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me not to raid my Roth to buy first condo
Replies: 46
Views: 3564

Re: Convince me not to raid my Roth to buy first condo

You only get so much Roth space per year. It's very valuable in your younger/lower income years. Your 50-60 year old self will be very happy if you don't raid your Roth to buy a house. Ain't that the truth. I started my Roth, contributing the maximum, in 1998. However, I was precluded from contribu...
by samsoes
Fri Sep 27, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me not to raid my Roth to buy first condo
Replies: 46
Views: 3564

Re: Convince me not to raid my Roth to buy first condo

Don't raid your Roth to buy first condo.

See, that was simple.

Seriously, it seems like you know the answer already. Avoid the temptation for instant gratification. You'll be glad you did.
by samsoes
Sun Sep 22, 2019 7:14 am
Forum: Personal Consumer Issues
Topic: Someone stole my wife's phone number (ie. ported to another carrier)
Replies: 57
Views: 7382

Re: Someone stole my wife's phone number (ie. ported to another carrier)

While Cricket has to fix the problem,it was T-Mobile that hijacked the phone number. They need to be brought into this as well.
by samsoes
Sat Sep 21, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 57
Views: 10601

Re: Retirement - Living in Colorado

Just wanted to bump this up to see what people think now about CS and more importantly, what other areas of the state would you recommend? I love Colorado but don't care for Denver (too flat). Would prefer to be "out the back door" in the mounts so Estes Park? Steamboat Springs? Other areas? If you...
by samsoes
Sat Sep 21, 2019 5:50 am
Forum: Personal Consumer Issues
Topic: Separate laptop for dealing with finances?
Replies: 39
Views: 3329

Re: Separate laptop for dealing with finances?

Stay away from questionable sites (such as porn sites), keep the kids off the machine, don't download questionable software and don't click on email links and you should be fine with only one machine with the default Windows Defender.
by samsoes
Sun Sep 15, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 10124

Re: Do You Tip At Counter Service Restaurants?

Only at the deli where my niece works. (She's also my Goddaughter.) There is a tip jar. If I didn't put some cash into the jar, I'd get the evil eye.
by samsoes
Wed Sep 11, 2019 9:38 pm
Forum: Personal Investments
Topic: Teenager wants to save...
Replies: 29
Views: 2295

Re: Teenager wants to save...

My child now has a job... they want to save 50-75% of their money. I am already matching their earnings in a Roth. I would love my kid to have a Warren Buffet approved after tax brokerage account with 90% VTI/VXUS and 10% bonds. This is my kids money they earned thus I’d like to avoid ugma etc. The...
by samsoes
Wed Sep 11, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs traditional, but premiums are the same
Replies: 6
Views: 684

Re: HDHP vs traditional, but premiums are the same

Don't forget that with a HDHP, prescriptions are paid fully out of pocket until your deductible is met.
by samsoes
Sun Sep 08, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 4011

Re: Going desktop-less?

No desktop nor tower since 2007.
by samsoes
Sat Sep 07, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 9296

Re: BofA ShopSafe going away

Capital One has Eno, which I have never used because Shopsafe enabled me to set a dollar and time limit. I suppose you can delete a virtual number with Eno immediately after using it. Would love to hear if anyone has experience with this. With Capital One Eno, the temporary numbers can be deleted o...
by samsoes
Fri Sep 06, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: eBay Seller Retaliatory Feedback
Replies: 28
Views: 2330

Re: eBay Seller Retaliatory Feedback

Wow, I'm surprised that eBay is still a thing. It seems so 1999.
by samsoes
Thu Sep 05, 2019 8:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20319
Views: 2777997

Re: U.S. stocks in free fall

Oh, for crying out loud, euthanize this thread, PLEASE!
We are not supposed to be market timers!! :oops:
by samsoes
Wed Sep 04, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: Internet security and vpn
Replies: 35
Views: 3283

Re: Internet security and vpn

For a comprehensive review of VPN providers, please see https://restoreprivacy.com/vpn-reviews/ for all the details. I personally use Perfect Privacy (www.perfect-privacy.com).

Also - the pitfalls of "free" VPNs: https://restoreprivacy.com/free-vpn/
by samsoes
Tue Sep 03, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: What's the most secure way to encrypt a PDF?
Replies: 9
Views: 671

Re: What's the most secure way to encrypt a PDF?

Attach the pdf object into an Excel file, and then encrypt the Excel file.
by samsoes
Fri Aug 30, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Giving the DMV my SS # - safe?
Replies: 24
Views: 2128

Re: Giving the DMV my SS # - safe?

Planner01 wrote: Fri Aug 30, 2019 4:17 am Thank you for your responses. I no longer have to worry.
You never have to worry. It's a personal choice.
by samsoes
Fri Aug 30, 2019 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle
Replies: 51
Views: 3581

Re: Side Hustle

bgatze wrote: Thu Aug 29, 2019 4:53 pm
2. Toying with the idea of starting a consulting job for companies looking to develop some BI solutions, I do this full time in my current role and still find it to be absolutely enjoyable.
What are "BI solutions?"
by samsoes
Thu Aug 29, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Mother's Pension Plan is Being Terminated - Help with Options Needed
Replies: 33
Views: 3561

Re: Mother's Pension Plan is Being Terminated - Help with Options Needed

This is a dumb question but I am curious. First you said pension plan is terminated but then you are saying she will keep getting the monthly payment? I am not understanding. One of the options the company is giving her is an annuity paying the same as the current pension. Of course, the annuity wo...