Search found 1535 matches

by Katietsu
Sun Jul 08, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Checkbook balancing software?
Replies: 31
Views: 1887

Re: Checkbook balancing software?

I am not sure what the actual request is. To me, balancing a checkbook involves reconciling the individuals records with the bank records. So, there needs to be an individual record. And it seems that the elderly relative wants that to be a checkbook registrar. I am not sure what purpose the softwar...
by Katietsu
Sat Jul 07, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Which route for older adult with no retirement?
Replies: 19
Views: 2537

Re: Which route for older adult with no retirement?

The reason it is important to consider your wife is because the US income tax system is very dependent on marital status. Saving in either the traditional or Roth IRA is likely to be OK. Your situation does not clearly point to one being better than the other. We would need to know more specifics ab...
by Katietsu
Wed Jul 04, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady
Replies: 18
Views: 1040

Re: Where to Find Sandals with Adjustable, Velcro Straps for Older Lady

Earth Origins are almost all as you describe. In my experience, they also tend to be a bit wider than Teva and have lower arch supports than Vionic.
by Katietsu
Tue Jul 03, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: what is better Health care option for my son
Replies: 16
Views: 1360

Re: what is better Health care option for my son

The PPO seems pretty obvious given what you’ve said, but I am surprised there are no office visit or emergency room copays. It sounds like the PPO will require you to pay 100% of the cost for office visits and ER visits prior to the $2000 deductible being reached. Then insurance kicks in at 100 % t...
by Katietsu
Tue Jul 03, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: E-Trade and mega backdoor Roth
Replies: 30
Views: 1415

Re: E-Trade and mega backdoor Roth

Worthit: It would probably be best if you just describe what you want to do without using terminology like backdoor Roth or mega backdoor Roth. How much are you making from your side gig? How much are you looking to get into the retirement plans? Are you making elective deferrals to a 401k or 403b a...
by Katietsu
Mon Jul 02, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3561

Re: How do I fix my heating bill?

How much are you paying per kWh? In Pennsylvania you can choose your electric supplier so rates can vary greatly.
by Katietsu
Mon Jul 02, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 137
Views: 9541

Re: Do We need health insurance??

I have encouraged dozens of people to get insurance since the ACA made it possible for most people. I will say that with 14 million dollars you would likely be able to self insure. However, do you really want to gamble? You can afford the insurance and are currently guaranteed acceptance. There is n...
by Katietsu
Sun Jul 01, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my MOM with finances/retirement
Replies: 13
Views: 1302

Re: Helping my MOM with finances/retirement

I agree with daveydoo. Slow down and get a handle on the bigger picture first. The is nothing inherently wrong with having two inactive 401k accounts with past employers. And Fidelity PAS gives pretty standard asset allocation advice. So, I suspect your Mom has told them she has other accounts that ...
by Katietsu
Thu Jun 28, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Save on inflated mobile $$$ plans ?
Replies: 15
Views: 1351

Re: Save on inflated mobile $$$ plans ?

The best plan is going to depend on your needs. How much data? How much talk and text? What data speed do you want? Is there a preferred network? Do you travel and need roaming partner coverage? (For instance, the widely touted Cricket on AT&T only has chunks in the MidWest/West with no coverage whe...
by Katietsu
Wed Jun 27, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Sister-in-Law - trouble adulting - Pay medical bill?
Replies: 41
Views: 3733

Re: Sister-in-Law - trouble adulting - Pay medical bill?

You didn't describe any reason that I would feel compelled to gift anything at all for. Trouble adulting? At age 38? Does not qualify imo. But to each his own. Good luck. The gift is for a psychiatrist. That would be a good reason for me. If you want somebody to keep moving forward, removing mental...
by Katietsu
Wed Jun 27, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: 6 week minivan or SUV rental
Replies: 8
Views: 1054

Re: 6 week minivan or SUV rental

If you're counting on your credit card for supplemental insurance, note that most only cover rentals that are less than 30 days. So you might want to break it up into 2 rentals. Also, this is a situation where it'd be highly advantageous to rent from an off-airport location, which usually have lowe...
by Katietsu
Tue Jun 26, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: I've been swindled!
Replies: 21
Views: 5518

Re: I've been swindled!

If you think it is a legit company, I would not assume that you had been swindled. It has only been 1 month. I have certainly had items that took longer than that to procur. Is this a case of someone planning to keep your money and give you nothing in return? Or is this someone who implied that they...
by Katietsu
Tue Jun 26, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7589

Re: Family dynamics/in laws/am I being petty?

First of all, there is a history of just splitting bill. So, they have already established a practice of being flexible with the check, ie not pulling out a calculator to figure out who ordered what. Assume the OP is spending an extra $25, six times a year, for $150. Given that the relatives are not...
by Katietsu
Tue Jun 26, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: university admission issue
Replies: 27
Views: 3237

Re: university admission issue

The key missing piece of information is how far from meeting the prerequisites is the applicant? And will the lack of the prerequisites affect the person’s ability to complete the courses or work as scheduled? Prerequisites can be waived or permission can be granted to finish them out of order. But ...
by Katietsu
Mon Jun 25, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6845
Views: 1496083

Re: U.S. stocks in freefall

Ooh this is the first time I’m going to attempt TLH. Estimating about $1000 in short term losses in VTIAX (Total Intl). 35% federal bracket, so I’m happy. Vanguard warned that July 25 is 30 days as part of their frequent trading policy, so that means I have to wait until July 26 to reinvest right? ...
by Katietsu
Sat Jun 23, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: This is ridiculously expensive LTCi, right? Or maybe not?
Replies: 78
Views: 4483

Re: This is ridiculously expensive LTCi, right? Or maybe not?

She has a current monthly benefit of $7,665 that increases at 4% year. Her benefit period is lifetime. $7,665*12 = $91,980 per year benefit That would be able to support a VERY nice LTC facility. How much do the nice facilities in her area cost? It may be that she will be eligible for better care t...
by Katietsu
Fri Jun 22, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: How do find a good doctor for chronic hives
Replies: 25
Views: 1471

Re: How do find a good doctor for chronic hives

While you wait for medical help, do try to limit exposure to things that could cause an allergic reaction and keep a journal. We just solved my friend’s case of hives after a month by going through a list of products to determine what changed recently. In this case, it was a new moisturizer. My neph...
by Katietsu
Thu Jun 21, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Questions about RMD and insurance.
Replies: 11
Views: 1154

Re: Questions about RMD and insurance.

The government and University plans that I am familiar with offer retirees a different health insurance option if they are already on Medicare compared to employees retiring prior to age 65. If the employer does not offer a plan specifically for Medicare eligible retirees, then it is unlikely that t...
by Katietsu
Thu Jun 21, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2664

Re: Need new Cable Modem + Router - Please recommend

I hope you are aware that Comcast removed the ability to set recordings remotely over 6 months ago. It was done without notice and it looks like it may never be provided in the future. If that’s a feature you used with FIOS, you will miss it. Also, Comcast is no different than any of the other ISPs...
by Katietsu
Wed Jun 20, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: iPad/iOS - feature or bug?
Replies: 13
Views: 921

Re: iPad/iOS - feature or bug?

I could only make it happen on a different iOS device when I used private browsing. Are you using settings that are restricting the information needed to take you back to the point you were at?
by Katietsu
Wed Jun 20, 2018 3:37 am
Forum: Personal Finance (Not Investing)
Topic: Missed RMD - IRS penalty waiver process?
Replies: 13
Views: 1360

Re: Missed RMD - IRS penalty waiver process?

I have never heard of anyone being charged a penalty in the situation you described. Did you write RC with the amount of the RMD in parenthesis on the dotted line next to line 54 as well as a zero for the line itself?
by Katietsu
Tue Jun 19, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8905

Re: gray hair

I would start with considering a change in hairstyles. Men can often put off the aging effect of the grey hair by 5 or 6 years by a change in hairstyle. If you buy solid good quality color, most people can DIY. I would consider starting with a shade lighter than your natural color. I am surprised by...
by Katietsu
Sun Jun 17, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: When most 401K savings are in one spouse's name
Replies: 18
Views: 2592

Re: When most 401K savings are in one spouse's name

Thank you for posting this. It has been on my mind the last couple years since my DH upped his retirement savings to over 60k a year. A majority are already in his name. I hope someone with answers instead of questions comes along. I started wondering in I should make non deductible traditional IRA ...
by Katietsu
Fri Jun 15, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Upping federal withholding allowances didn't work?
Replies: 15
Views: 1327

Re: Upping federal withholding allowances didn't work?

Here where you can find the publication that tells employers how much to withhold. https://www.irs.gov/pub/irs-pdf/p15.pdf Allowances are what you report on the W-4 to affect withholding. Allowances are related to dependents and many use the word interchangeably. But you do not actually claim depen...
by Katietsu
Fri Jun 15, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 3064

Re: death certificates...hospice and 911

Much of the answer depends upon local law and whether your local follows the ancient Coroner system or the more modern Medical Examiner system. Since I moved away from this rural area a long time ago, I don't follow all details. However, a few years ago, the County Coroner was not a physician - but...
by Katietsu
Fri Jun 15, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 3064

Re: death certificates...hospice and 911

I don't believe hospice had anything to do with the death certificate in the case I'm familiar with. Frankly hospice was very helpful until death and then things went downhill fast. Their overriding consideration was accounting for and destroying (an hours-long process) every drug. I found that whe...
by Katietsu
Fri Jun 15, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 7411

Re: can we afford to spend $20K on travel annually

Read some of the threads about traveling with kids that young. As I am sure you realize, you will need a different itinerary than in your pre-kid travel days. I think $20,000 seems like a lot but everyone has their own idea of travel lifestyle. Many of the things that young kids like - swimming in t...
by Katietsu
Thu Jun 14, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Upping federal withholding allowances didn't work?
Replies: 15
Views: 1327

Re: Upping federal withholding allowances didn't work?

Here where you can find the publication that tells employers how much to withhold. https://www.irs.gov/pub/irs-pdf/p15.pdf Allowances are what you report on the W-4 to affect withholding. Allowances are related to dependents and many use the word interchangeably. But you do not actually claim depend...
by Katietsu
Thu Jun 14, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Upping federal withholding allowances didn't work?
Replies: 15
Views: 1327

Re: Upping federal withholding allowances didn't work?

What is your filing status and your income from your job? What is the filing status on your W-4 or online equivalent?
by Katietsu
Thu Jun 14, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: add to DW 401k while withdrawing from (self) 403b?
Replies: 19
Views: 939

Re: add to DW 401k while withdrawing from (self) 403b?

I agree that it is likely not going to make much difference. There are a few things I can think of that could be impacted. If you and your wife are different ages, it will eventually affect RMD’s. And state taxes can sometimes be affected by how the income is split between spouses. Medicaid nursing ...
by Katietsu
Thu Jun 14, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Experiences with 1099 INT reporting and/or manually adjusting state tax exempt US Agency bond interest?
Replies: 5
Views: 408

Re: Experiences with 1099 INT reporting and/or manually adjusting state tax exempt US Agency bond interest?

The general answer to your question is that the 1099-INT and 1099-DIV do not address state tax treatment. Sometimes they provide enough information directly to determine appropriate state tax treatment, ie US Savings Bond interest. Sometimes it can take a lot of research to obtain the information ne...
by Katietsu
Wed Jun 13, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: completely free background check website
Replies: 7
Views: 1530

Re: completely free background check website

You can get basic information, like address and age, free for most people. I also frequently see potential relatives listed but I do not know if I would rely on it. I usually just google the name and state and end up at a variety of web sites. Just tried it and ended up at fastpeoplesearch.com. It s...
by Katietsu
Wed Jun 13, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Role of Annuity For Savers Who have 20+ years until Retirement
Replies: 32
Views: 2495

Re: Role of Annuity For Savers Who have 20+ years until Retirement

Just last week, a co-worker talked about a Met Life annuity that he was considering. He cited an 8% guarantee for 6 years and no surrender charge at that point. While I was sure Met Life was not giving guaranteed money away, I did wonder where the catch was that this relatively savvy man surely mus...
by Katietsu
Wed Jun 13, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Role of Annuity For Savers Who have 20+ years until Retirement
Replies: 32
Views: 2495

Re: Role of Annuity For Savers Who have 20+ years until Retirement

A co-worker talked about a Brighthouse annuity that he was considering. She cited an 8% guarantee for 6 years and no surrender charge at that point. While I was sure Brighthouse was not giving guaranteed money away, I did wonder where the catch was that this relatively savvy person surely must be ov...
by Katietsu
Wed Jun 13, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 9281

Re: Getting killed on taxes - any ideas?

OP comes across as a humble brag. Even on this forum, I doubt if more than 25% make that kind of money (though I could be wrong!). OP statistically is actually part of the 1%... I believe an income of $380k/yr or higher puts you in the top 1% in the entire country. And paying 22% tax on that kind o...
by Katietsu
Tue Jun 12, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: How to find a tax adviser?
Replies: 4
Views: 588

Re: How to find a tax adviser?

As far as dealing with the capital gains, I would seriously consider going back to the person who did the original return. It is so much easier for her to amend the return than it is for someone else to have to start by recreating the original. Then go look for someone different to help you with tax...
by Katietsu
Mon Jun 11, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 3064

Re: death certificates...hospice and 911

The appropiate procedure is going to depend on your locality. Talk to the hospice provider. In my experience, if death is anticipated within 24 hours, they will provide almost constant nursing staff if you wish. The hospice staff will coordinate with the funeral home. In one situation where hospice ...
by Katietsu
Mon Jun 11, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5499

Re: How do you celebrate (potty trained kid) milestone with your spouse?

I too can’t relate to celebrating. But, you could get your wife something small and personal to show that you recognize the effort involved. For me, this is something like getting up early Saturday and driving 3 miles to bring back my favorite coffee drink and writing a message on the cup. Or it cou...
by Katietsu
Mon Jun 11, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Judgement Proof and in your 20's (Massachusetts)
Replies: 11
Views: 1838

Re: Judgement Proof and in your 20's (Massachusetts)

The best case would be for the person to at least develop a plan now. There are forums and websites that are dedicated to people in this situation where you might get better information than here. You do need to be careful because there are also those who “kick em when they are down.” I mean the per...
by Katietsu
Mon Jun 11, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need an umbrella insurance policy?
Replies: 16
Views: 2238

Re: Do I need an umbrella insurance policy?

You break it, you buy it. Think of it like a car accident when the other driver is at fault. Their insurance would pay your damages. But, if they do not pay, your insurance would step in. Obviously, many stores will let the breakage of low value items pass as it is not worth the bad feelings to coll...
by Katietsu
Sun Jun 10, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2883

Re: Foreign language immersion daycare

We are expecting our first child this fall and are exploring childcare options.
I suspect that by next spring you may be laughing at yourselves when you think back on this decision. I think you may be underestimating how precious that 1.5 hours of time will be to you and your child.
by Katietsu
Thu Jun 07, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Do you think I need FIOS Quantum Gateway router with 940Mbps speed?
Replies: 29
Views: 2185

Re: Do you think I need FIOS Quantum Gateway router with 940Mbps speed?

1) Is your current modem/router 10 years old? 2) If it is that old, then start by replacing it. You could start by renting the new modem/router for $3/ month. If that solves your problem, you know you do not need to consider solutions like a mesh system. 3) Read about how placement of the wifi route...
by Katietsu
Wed Jun 06, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 15064

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

No one has really discouraged him from going to law school if he wants to be a lawyer or has a great interest in learning the law. That's not what he's after. He has basically asked is it realistic for him to take up the violin at age 60 and become a concert violinist with a major orchestra. +1, wi...
by Katietsu
Wed Jun 06, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Mobile Fax
Replies: 8
Views: 824

Re: Mobile Fax

DoTheMath wrote:
Wed Jun 06, 2018 6:25 am
There is the Genius Scan app for the Iphone. I use it to generate pdf files of documents when I need to email them to someone. For a fee they also also you to fax them. It works reasonably well.
Scanbot does the same thing. Pretty easy to use.
by Katietsu
Tue Jun 05, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Downsize due to tax law change?
Replies: 31
Views: 1874

Re: Downsize due to tax law change?

I think you are comparing the wrong two situations. You are using your your current house with the old tax law as your default. That situation does not exist. Forget about it. Sort of like a sunk cost with investing. The only question you need to ponder now is do I want to live in the current house ...
by Katietsu
Sun Jun 03, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7977

Re: Is our monthly Personal money out of line?

It sounds like your wife’s spending is within a normal range for a household with a family income of $200,000. I feel I am very frugal, no mani/pedis, no expensive brands, etc. But I was surprised when I started adding up the the cost of a mid priced cut and color; mid priced cosmetics, moisturizers...
by Katietsu
Sun Jun 03, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Millennial being offered participation in a pension plan
Replies: 4
Views: 716

Re: Millennial being offered participation in a pension plan

I am not sure about your analysis. Maybe I am not following you correctly. It seems unlikely that your salary would only be $170,000 in 20 years if it is $150,000 now. A 2% inflation adjustment would have you over $220,000. So that would mean that you think the $150,000 is high for the type of job, ...
by Katietsu
Sun Jun 03, 2018 3:13 am
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 5372

Re: 125K Spend - Would you do this ?

confusedinvestor wrote:
Sat Jun 02, 2018 12:10 am
another options would be to put a futon bed in our living room.
If you want to look into this option, check out Otis futon mattresses. They make products for both the consumer and medical market.
by Katietsu
Sat Jun 02, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Friends with an EJ Advisor
Replies: 49
Views: 4331

Re: Friends with an EJ Advisor

I would be comfortable letting him know that you are committed to managing your investments yourself. I would find it more awkward if I was using a different advisor.
by Katietsu
Fri Jun 01, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Driving UHaul
Replies: 20
Views: 2249

Re: Driving UHaul

Have you considered https://www.upack.com/abf ? This is just the opposite of what I have always done. I have hired movers to load the truck and sometimes unload while I did the driving. I never thought the driving part was very difficult, up to the 22 ft or so truck. I would suggest timing your dri...