Search found 11644 matches
- Sun Jan 14, 2024 11:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: Why do we work?
- Replies: 130
- Views: 19023
Re: Why do we work?
Before I retired I worked to make enough money so I wouldn't have to work anymore.
- Sun Jan 14, 2024 11:15 pm
- Forum: Personal Consumer Issues
- Topic: what to put in a time capsule that will be valuable in 50 or 100 years?
- Replies: 65
- Views: 6399
Re: what to put in a time capsule that will be valuable in 50 or 100 years?
Nobody knows that, although you might get some interesting guesses. Why not just do like other time capsules. Put common items in that you use every day. Something they're likely to have never seen in person. How about a fruit cake. It shuld last a couple hundred years.
- Sun Jan 14, 2024 8:17 am
- Forum: Personal Finance (Not Investing)
- Topic: RMD Tax Withholding
- Replies: 50
- Views: 5144
Re: RMD Tax Withholding
I don't withhold taxes from anything. Just make quarterly estimated tax payments for it all together.
- Sat Jan 13, 2024 8:17 pm
- Forum: Personal Consumer Issues
- Topic: Best < $100 purchase?
- Replies: 299
- Views: 56488
Re: Best < $100 purchase?
Groceries yesterday. I can survive another week.
- Fri Jan 12, 2024 10:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: Kaiser Medicare Dental - Should I go to 2 dentists (one just for cleaning?)
- Replies: 8
- Views: 1182
Re: Kaiser Medicare Dental - Should I go to 2 dentists (one just for cleaning?)
There's no rule that says you can't go to multiple dentists as long as you're willing to pay the out of network dentist yourself.
- Fri Jan 12, 2024 7:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: I'm having a hard time deciding if I should pick Medigap Plan G or Plan N because of my history
- Replies: 165
- Views: 16278
Re: I'm having a hard time deciding if I should pick Medigap Plan G or Plan N because of my history
???
Plan G's premiums should be less, but considering Plan N's copays it may not always be cheaper if you use it a lot. Also, plan G covers Part B excess charges. Plan N does not. But I concede plan N should usually be cheaper. You'd probably need a lot of office or emergency room visits to make up the difference.
I have Plan G. DW had plan N. Both are good.
- Thu Jan 11, 2024 10:11 pm
- Forum: Personal Consumer Issues
- Topic: How to start a friendly meet-up of retirees/pre-retirees?
- Replies: 9
- Views: 1505
Re: How to start a friendly meet-up of retirees/pre-retirees?
Does your town have a Senior Center?
- Thu Jan 11, 2024 3:49 pm
- Forum: Investing - Theory, News & General
- Topic: Trading Cryptocurrency (Bitcoin ETFs) - Bogleheads forum policy remains unchanged
- Replies: 47
- Views: 7661
Re: I don’t agree with Vanguard barring its clients from purchasing spot cryptocurrency ETFs
Other than ranting it would seem you do have the option of taking your business elsewhere if you disagree with VGs policies.
- Thu Jan 11, 2024 1:59 pm
- Forum: Personal Investments
- Topic: Is anybody actually running out of money in retirement?
- Replies: 201
- Views: 48719
Re: Is anybody actually running out of money in retirement?
Seems there are some whose goal is to maybe not run out, but use up all their money before they die. That's cutting it too close for my comfort.
- Tue Jan 09, 2024 6:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: Joint bank account between father and son
- Replies: 20
- Views: 2689
Re: Joint bank account between father and son
I don't recall seeingArtsdoctor wrote: ↑Tue Jan 09, 2024 5:23 pm Very tough crowd. The OP clearly presented himself as someone who is trying to be conscientious and reached out with very reasonable questions. We've gone from theft to elder abuse. It think it's a testament to how much of a nerve this has hit. I hope that we have a tax attorney, an elder care attorney, or a district attorney who can weigh in here.
when I expressed my original concern. If I had, I would have asked why he couldn't have just transferred the money from the joint account directly into the investment account.
But I notice OP edited his post earlier today, perhaps to clarify things by adding
- Tue Jan 09, 2024 2:01 pm
- Forum: Personal Consumer Issues
- Topic: If you are able to accomplish these, please tell me how
- Replies: 112
- Views: 26349
Re: If you are able to accomplish these, please tell me how
+1 And you don't need all the big expensive machines the gyms have. You can find weights and older equipment that can keep you fit at garage sales, Salvaetion Army, and other second hand stores.
- Tue Jan 09, 2024 1:33 pm
- Forum: Personal Consumer Issues
- Topic: If you are able to accomplish these, please tell me how
- Replies: 112
- Views: 26349
Re: If you are able to accomplish these, please tell me how
Hello Bogleheads, I need your help. As someone who grew up in a society where house help is the norm and now a parent to a 1-year old, I struggle with discipline, energy, and motivation to accomplish what I want to in a day consistently. If you accomplish the following consistently: 1. You and your spouse work 50 hours each every week 2. Both of you are able to get 90 minutes at the gym/other physical activity every day (including commute) 3. 10-20 hours of study and reflection every week while also bringing up your child well, please share some insights/tips on how you get it done. Thank you, kurious A child isn't an afterthought. Raising your child is more important than 10-20 hours study and reflection, and more important than the gym e...
- Tue Jan 09, 2024 10:50 am
- Forum: Personal Finance (Not Investing)
- Topic: Joint bank account between father and son
- Replies: 20
- Views: 2689
Re: Joint bank account between father and son
Putting aside my own reservations and assuming it is a gift, I wonder if returning it would raise more suspicions in the IRS.
I'm not a lawyer, and most others offering opinions here aren't either. So let's hope one of the attorneys on this forum will see this and perhaps provide some better guidance.
I'm not a lawyer, and most others offering opinions here aren't either. So let's hope one of the attorneys on this forum will see this and perhaps provide some better guidance.
- Mon Jan 08, 2024 11:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: Joint bank account between father and son
- Replies: 20
- Views: 2689
Re: Joint bank account between father and son
Is the reason your name's on the joint account so you can handle dad's affairs when he isn't able? Have you ever put any of your own money in the account, or is it all dad's?
Right or wrong I'm getting the impression your misusing your authority to enrich yourself by transferring this money to your personal account. Do you have any 'hard evidence' to demonstrate he'd want you to do that?
Right or wrong I'm getting the impression your misusing your authority to enrich yourself by transferring this money to your personal account. Do you have any 'hard evidence' to demonstrate he'd want you to do that?
- Mon Jan 08, 2024 10:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Pay Estimated tax year 2024 All In 1st QTR?
- Replies: 37
- Views: 4141
Re: Pay Estimated tax year 2024 All In 1st QTR?
The IRS is OK with you giving them an interest free loan for quarters 2-4. Or, you could pay a quarter at a time and earn around 4.5% to 5% those quarters in savings or short term CDs at an online FDIC insured bank.
- Mon Jan 08, 2024 11:14 am
- Forum: Personal Finance (Not Investing)
- Topic: “You’ll know when the right time is to retire”
- Replies: 69
- Views: 9765
Re: “You’ll know when the right time is to retire”
When the numbers said I could.Wannaretireearly wrote: ↑Mon Jan 08, 2024 1:40 am This quote in the subject comes up every now and again on the forum.
My question is for those that did retire (either voluntarily) or forced (layoff, disability/sickness). What event occurred where you knew it was time to retire?...
- Sun Jan 07, 2024 5:32 pm
- Forum: Personal Consumer Issues
- Topic: Do we need a new car?
- Replies: 70
- Views: 8937
Re: Do we need a new car?
You might be comfortable in a cold, underpowered, 12 year old civic, but your wife and toddler need a new car.
- Sat Jan 06, 2024 8:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medicare - Part D late enrollment Penalty ?
- Replies: 4
- Views: 796
Re: Medicare - Part D late enrollment Penalty ?
If my understanding is correct the penalty only applies to the premium. I believe you still get the full discount on prescription medications.
Reviewing previous posts it appears you signed up for Medicare A & B sometime in 2021 so the penalty, while an annoyance shouldn't drive you into poverty.
- Thu Jan 04, 2024 4:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: Where do you bank and why? 2024 Edition
- Replies: 113
- Views: 15408
Re: Where do you bank and why? 2024 Edition
Same as 2023.
Credit union for checking and monthly expenses.
Ally Bank for all else.
Move money between them as necessary.
Credit union for checking and monthly expenses.
Ally Bank for all else.
Move money between them as necessary.
- Wed Jan 03, 2024 8:03 pm
- Forum: Personal Consumer Issues
- Topic: What browser(s) do you use, and why? Mobile and Desktop
- Replies: 49
- Views: 8440
Re: What browser(s) do you use, and why? Mobile and Desktop
I use Chrome because I have Windows and Chromebooks, and want to use the same browser on all of them.
- Tue Jan 02, 2024 12:42 am
- Forum: Personal Finance (Not Investing)
- Topic: QCD acknowledgment letter
- Replies: 50
- Views: 4678
Re: QCD acknowledgment letter
Maybe the IRS rules have changed since they challenged me on my QCDs several years ago. But all I sent them was a cover letter, copies of the checks made out to the charities, and copies of the charities' standard receipts in the same dollar amount as the checks. And that satisfied them.
edit: I looked up the year. It was 2015.
edit: I looked up the year. It was 2015.
- Tue Jan 02, 2024 12:32 am
- Forum: Personal Investments
- Topic: IRA Portfolio Allocation for Long Term Care
- Replies: 9
- Views: 1277
Re: IRA Portfolio Allocation for Long Term Care
Given you're looking for suggestions on realigning his portfolio, I assume you realize his VSMGX, as of 11/30/2023 was approximately 60.50% equities.... ... 36.10% Total Stock Market Index ... 24.40% Total International Index https://investor.vanguard.com/investment-products/mutual-funds/profile/vsmgx#portfolio-composition (click the portfolio composition tab) Not the best mix for the short term as a market downturn would put your 4% growth target in danger. When DW was in nursing home long term care I converted everything I had into fixed income as I had no idea of how long she would be there, and I didn't want to risk being caught in a downturn while I was withdrawing thousands of dollars every month for her care. But for you, if you want...
- Mon Jan 01, 2024 10:50 pm
- Forum: Personal Consumer Issues
- Topic: your system for reviewing credit card transactions
- Replies: 86
- Views: 9764
Re: your system for reviewing credit card transactions
Very simple. I review the statements against my receipts before payment date is due.
- Mon Jan 01, 2024 12:48 pm
- Forum: Forum Issues and Administration
- Topic: Long quotes?
- Replies: 28
- Views: 7236
Re: Long quotes?
The moderators have enough to do without becoming quote police. If I come upon a post that's too long or wordy, I just don't read it.
- Sun Dec 31, 2023 12:35 pm
- Forum: Investing - Theory, News & General
- Topic: What was the investment climate like in the bull market 10 years ago?
- Replies: 55
- Views: 7570
Re: What was the investment climate like in the bull market 10 years ago?
I remember people who had stayed in the market through the financial crisis talking about how the market had recovered and feeling sorry for (or maybe gloating about) the people who got out during the depths of the financial crisis and never got back in. I would say the mood at the time was relief with perhaps a sprinkling of smugness in some cases. Thread started by the (late) poster Old Sheedog (?) "I can't believe I am thinking this" About 2008 Crash. Everyone should read it. Also market timer's saga of investing on leverage in that time, as a grad student in economics, and subsequently being in the hole $1m. I experienced a worse epiphany in 2000-03, a 30 month bear market where I lost 90% of my net worth. Was fun. 90%? Were ...
- Sat Dec 30, 2023 11:06 am
- Forum: Investing - Theory, News & General
- Topic: What was the investment climate like in the bull market 10 years ago?
- Replies: 55
- Views: 7570
Re: What was the investment climate like in the bull market 10 years ago?
I remember people who had stayed in the market through the financial crisis talking about how the market had recovered and feeling sorry for (or maybe gloating about) the people who got out during the depths of the financial crisis and never got back in. I would say the mood at the time was relief with perhaps a sprinkling of smugness in some cases. Thread started by the (late) poster Old Sheedog (?) "I can't believe I am thinking this" About 2008 Crash. Everyone should read it. Also market timer's saga of investing on leverage in that time, as a grad student in economics, and subsequently being in the hole $1m. I experienced a worse epiphany in 2000-03, a 30 month bear market where I lost 90% of my net worth. Was fun. 90%? Were ...
- Sat Dec 30, 2023 9:39 am
- Forum: Personal Finance (Not Investing)
- Topic: To move or not to move that is the question
- Replies: 23
- Views: 4021
Re: To move or not to move that is the question
Just to add to my previous post re: moving from MI to CA. I was 15 then, and I doubt 8 and 10 year olds would have any more trouble adjusting than a 15 year old having to develop new social networks. But they also moved me when I was 6. And I survived that one too.Rocky Mtn Man wrote: ↑Sat Dec 30, 2023 8:12 amThere's millions of kids who grew up as military brats moving every 1.5 - 3 years. They will be fine.
- Sat Dec 30, 2023 9:29 am
- Forum: Personal Finance (Not Investing)
- Topic: $2000 a year for $1M umbrella insurance
- Replies: 73
- Views: 9699
Re: $2000 a year for $1M umbrella insurance
I don't think that's the answer. He had an accident and got a ticket. That doesn't mean he's a bad driver. Any of us might have done the same, or might in the future. Also, don't forget OP had a claim for an accident of her own (regardless of who was at fault) which compounds the situation.
He's almost 18, so he should be graduating from high school soon. After that what? College away from home? Military? Job? He'll need his license then.
- Fri Dec 29, 2023 12:37 pm
- Forum: Personal Finance (Not Investing)
- Topic: RMD and LTC taxation
- Replies: 8
- Views: 1141
Re: RMD and LTC taxation
And if it turns out you have more deductions than you need, they can be used to cover the taxes on additional IRA withdrawals. Don't let those extra deductions go to waste.
- Thu Dec 28, 2023 11:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: Please explain what Kiplinger's means
- Replies: 7
- Views: 1388
Re: Please explain what Kiplinger's means
Complicated way of saying, be sure to include the reinvested dividends in your fund's basis. Apparently some don't do this.
- Thu Dec 28, 2023 10:07 pm
- Forum: Personal Finance (Not Investing)
- Topic: To move or not to move that is the question
- Replies: 23
- Views: 4021
Re: To move or not to move that is the question
Everything in your post says you want to move. So IMO the question is whether you can make #2 happen.
As for as the kids, from my own experience. My parents moved me from MI to CA halfway through the 11th grade, and then moved again in less than a year. I don't recall them making any special plans because of me. They moved, so I moved with them. I went to three different high schools, and I survived.
My only question would be, are any of them overly inhibited? They may have some trouble blending in at first, but should overcome it.
As for as the kids, from my own experience. My parents moved me from MI to CA halfway through the 11th grade, and then moved again in less than a year. I don't recall them making any special plans because of me. They moved, so I moved with them. I went to three different high schools, and I survived.
My only question would be, are any of them overly inhibited? They may have some trouble blending in at first, but should overcome it.
- Thu Dec 28, 2023 9:28 pm
- Forum: Personal Finance (Not Investing)
- Topic: Distributing Dead Parents Personal Property
- Replies: 46
- Views: 7354
Re: Distributing Dead Parents Personal Property
Envision a school of piranhas attacking a piece of meat. Unless your family is exceptionally loving, you're the meat with 8 piranhas.CaliforniaResident wrote: ↑Thu Dec 28, 2023 11:35 am ... I send the itemized list of items (300?) to all 8 other family members. This way they see everything available...
- Thu Dec 28, 2023 9:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: Selling homestead property and tax return
- Replies: 19
- Views: 2002
Re: Selling homestead property and tax return
If you use TurboTax or one of the competetor programs, they will lead you through the process.
- Thu Dec 28, 2023 8:01 pm
- Forum: Investing - Theory, News & General
- Topic: What was the investment climate like in the bull market 10 years ago?
- Replies: 55
- Views: 7570
Re: What was the investment climate like in the bull market 10 years ago?
I'd been around long enough to learn market goes up, and market goes down. But over time it goes up more than it goes down.
So I just stuck with my AA.
So I just stuck with my AA.
- Thu Dec 28, 2023 1:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: What tax guide do you buy every year?
- Replies: 13
- Views: 1367
Re: What tax guide do you buy every year?
+11Stinky wrote: ↑Thu Dec 28, 2023 1:11 pm+1stan1 wrote: ↑Thu Dec 28, 2023 10:54 am I'd start with IRS Pub 17 "Your Federal Income Tax":
https://www.irs.gov/pub/irs-pdf/p17.pdf
The cost is zero. I would only spend money on a tax guide (or buy TT Premier) if I felt Pub 17 and other referenced pubs were inadequate.
The IRS hires good writers for these documents, plus they are all easily searched using a search engine.
Why pay for a tax guide when an excellent one is available for free?
- Thu Dec 28, 2023 9:04 am
- Forum: Personal Consumer Issues
- Topic: Asus, Acer, Lenovo, etc. Chromebooks
- Replies: 20
- Views: 2637
Re: Asus, Acer, Lenovo, etc. Chromebooks
I've had two Acer Chromebooks. No problems with either.
Currently have a Lenovo Chromebook. No problems with it.
Had a HP Chromebook. After a couple years it began dropping the connection to the Internet all too often.
Currently have a Lenovo Chromebook. No problems with it.
Had a HP Chromebook. After a couple years it began dropping the connection to the Internet all too often.
- Wed Dec 27, 2023 11:51 pm
- Forum: Personal Finance (Not Investing)
- Topic: $2000 a year for $1M umbrella insurance
- Replies: 73
- Views: 9699
Re: $2000 a year for $1M umbrella insurance
Pay the $2000 or risk bankrupcy if he kills someone in his next auto accident.
- Wed Dec 27, 2023 4:37 pm
- Forum: Personal Investments
- Topic: CPA tells me not to rebalance
- Replies: 26
- Views: 2153
Re: CPA tells me not to rebalance
In the short term the CPA's recommendation makes sense.
But what about the long term? There's a reason you chose your AA. What might be potential long term dangers of not rebalancing?
But what about the long term? There's a reason you chose your AA. What might be potential long term dangers of not rebalancing?
- Wed Dec 27, 2023 3:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: TurboTax 2023 desktop - license code activation issues
- Replies: 22
- Views: 7083
Re: TurboTax 2023 desktop - license code activation issues
Yes, but I already had one from when I bought TT directly from them once. Getting an Intuit account is no big deal.Joe Public wrote: ↑Wed Dec 27, 2023 2:44 pmWere you required to have an Intuit account to install it?cheese_breath wrote: ↑Wed Dec 27, 2023 2:29 pm Considering OP's problems I decided to buy my TurboTax from Costco today (same price as Amazon).
Absolutely zero problems installing it or importing last year's return.
- Wed Dec 27, 2023 2:29 pm
- Forum: Personal Finance (Not Investing)
- Topic: TurboTax 2023 desktop - license code activation issues
- Replies: 22
- Views: 7083
Re: TurboTax 2023 desktop - license code activation issues
Considering OP's problems I decided to buy my TurboTax from Costco today (same price as Amazon).
Absolutely zero problems installing it or importing last year's return.
Absolutely zero problems installing it or importing last year's return.
- Tue Dec 26, 2023 6:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: PSA: EFTPS login change [IRS - Electronic Federal Tax Payment System]
- Replies: 19
- Views: 2872
- Tue Dec 26, 2023 6:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: PSA: EFTPS login change [IRS - Electronic Federal Tax Payment System]
- Replies: 19
- Views: 2872
EFTPS Login Change
[Thread merged into here --admin LadyGeek]
As of October 19th we're required to use either Login.gov or ID.me to signin to EFTPS. I discovered this a couple days ago when I decided to submit my 4th quarter estimated tax a little early.
But I was still able to submit it on IRS Direct Pay without loging into anything.
As of October 19th we're required to use either Login.gov or ID.me to signin to EFTPS. I discovered this a couple days ago when I decided to submit my 4th quarter estimated tax a little early.
But I was still able to submit it on IRS Direct Pay without loging into anything.
- Tue Dec 26, 2023 9:17 am
- Forum: Personal Investments
- Topic: Greedy/Stupid [Retiree Asset Allocation]
- Replies: 46
- Views: 9219
Re: Greedy/Stupid [Retiree Asset Allocation]
Why do you think introducing more risk into your AA will accomplish this? It might, but it might not. A 70/30 allocation could have potential for greater gain, but also potential for greater loss.
"Age in bonds" used to informal guideline for moving to a more conservative portfolio as you age, although I haven't seen it mentioned for awhile. Remember, you're now in the drawdown phase of your life, and a market decline will affect you more than those in the accumulation stage.
- Mon Dec 25, 2023 12:30 pm
- Forum: Personal Consumer Issues
- Topic: Should I spend $1500 for a kitten?
- Replies: 71
- Views: 8889
Re: Should I spend $1500 for a kitten?
Every time someone buys a pet from a breeder, another animal in a shelter gets euthanized. I'm not in favor of breeders, but what do you think happens to every cat the breeder can't sell? Good and respected cat and dog breeders have waiting lists. They intentionally handle and socialize their animals (based on the latest vet academic research) almost from birth to build the foundation for an emotionally resilient pet and avoid many of the early trauma issues that persist a lifetime with rescue pets. I say this from first-hand experience with both bred and rescued. I totally agree with this. But the backyard breeders don't. Their concern is making money without much regard to the quality of the offspring. They breed for quantity rather than...
- Mon Dec 25, 2023 11:58 am
- Forum: Personal Consumer Issues
- Topic: Should I spend $1500 for a kitten?
- Replies: 71
- Views: 8889
Re: Should I spend $1500 for a kitten?
And if a sale isn't made?popoki wrote: ↑Mon Dec 25, 2023 11:54 amThe breeder lowers the price until a sale is made. Once the business becomes unprofitable, the breeder moves on to a new venture.cheese_breath wrote: ↑Mon Dec 25, 2023 11:37 amI'm not in favor of breeders, but what do you think happens to every cat the breeder can't sell?
- Mon Dec 25, 2023 11:56 am
- Forum: Personal Consumer Issues
- Topic: Hair cracks on ceiling
- Replies: 24
- Views: 2954
Re: Hair cracks on ceiling
I suspect your construction guy is right. Houses settle over time, sometimes resulting in small cracks not affecting the structural integrety.
- Mon Dec 25, 2023 11:45 am
- Forum: Personal Consumer Issues
- Topic: How to I (safely) heat a cold bedroom?
- Replies: 49
- Views: 5956
Re: How to I (safely) heat a cold bedroom?
66-67 degrees? Warm jammies and another cover on the bed.
- Mon Dec 25, 2023 11:37 am
- Forum: Personal Consumer Issues
- Topic: Should I spend $1500 for a kitten?
- Replies: 71
- Views: 8889
- Mon Dec 25, 2023 10:47 am
- Forum: Personal Consumer Issues
- Topic: Should I spend $1500 for a kitten?
- Replies: 71
- Views: 8889
Re: Should I spend $1500 for a kitten?
Most I ever spent for a cat was $50, but only because DW wanted it.
But your money is your money. Spend it on whatever pleases you.
But your money is your money. Spend it on whatever pleases you.
- Sun Dec 24, 2023 9:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can I negotiate a 'new patient' bill from doctor?
- Replies: 57
- Views: 8818
Re: Can I negotiate a 'new patient' bill from doctor?
If memory serves me, I seem to recall Medicare has separate billing codes for new patients and established patients. Probably I'm guessing, because it takes time to get up to speed on new patients before they can treat them. I wouldn't be surprised if OP's insurance might have something similar.