Search found 147 matches

by sbaywriter
Tue Feb 09, 2021 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: To purchase a California home or move out of state?
Replies: 88
Views: 7446

Re: To purchase a California home or move out of state?

California is a big state. Not everywhere is vulnerable to fire evacuations. If you decide you want to stay, maybe look for place less vulnerable. The link is to a map showing risks: https://projects.sfchronicle.com/2019/california-danger-zones/ I moved but for my own reasons and I knew pretty well ...
by sbaywriter
Tue Dec 15, 2020 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation - California, Santa Cruz, Watsonville, Salinas, Monterey area
Replies: 168
Views: 9117

Re: Relocation - California, Santa Cruz, Watsonville, Salinas, Monterey area

If you are considering inland towns not too far from Watsonville, Morgan Hill might be a possibility - lived there for about 10 years. Nice little town, good amenities except no hospital - have to go either to Gilroy or San Jose for hospital. Gets hot (90s) in the summer but cools off at night becau...
by sbaywriter
Fri Oct 30, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5095
Views: 1325305

Re: What Book Are You Currently Reading? Part VI

Finished Lanny Budd novels volume 1 (first 3 books of the 11 book series) by Upton Sinclair. He won the Pulitzer for book 3, Dragon's teeth in the 1940s. Wow, can’t believe I never discovered these before, and that they were out of print for years and only republished in ebook form. I am finding the...
by sbaywriter
Sun Oct 18, 2020 11:31 am
Forum: Investing - Theory, News & General
Topic: Roth conversions and RMDs timing
Replies: 2
Views: 385

Re: Roth conversions and RMDs timing

This 2016 article I just googled says yes you do have to take the RMD for the year first and explains it's because of IRS rollover rules:

https://www.marottaonmoney.com/roth-con ... out-first/

Maybe an actual expert can chime in to corroborate.
by sbaywriter
Sun Jul 26, 2020 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Buying a property in central Florida a good idea or not
Replies: 49
Views: 4948

Re: Buying a property in central Florida a good idea or not

Something about your description of the property makes it sound like a proposed new housing development/subdivision. I live in Florida (recently) but know nothing about the area you are talking about. But your description reminded me of the fascinating book I just read about the Florida real estate ...
by sbaywriter
Tue Jul 07, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: Retiring to FLA, villa home vs. MH? cost comparison
Replies: 18
Views: 1572

Re: Retiring to FLA, villa home vs. MH? cost comparison

My county mandates that mobile home and manufactured home residents evacuate during hurricanes/hurricane watches/hurricane warnings. That's regardless of whether they are in surge zone. That ruled out mobile homes for me.
by sbaywriter
Mon Apr 06, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2782
Views: 276237

Re: [What TV Show Have You Recently Watched?]

Everyone seems to like the dark stuff. The darker the world looks to me, the more I prefer some kind of escape. Tonight I watched, on PBS (passport, show aired 2019, expires 4/13) - really enjoyed this, learned things I didn't know, love the passion about music and aesthetics: Great performances: No...
by sbaywriter
Fri Mar 27, 2020 8:36 pm
Forum: Personal Consumer Issues
Topic: Should I get Life Alert, or similar?
Replies: 53
Views: 2436

Re: Should I get Life Alert, or similar?

I was considering setting up something like that but worked it out with a sibling that we exchange a simple text each morning. It is important to have some support system in place. Some cities have "wellness check" type services. If you have some local office on aging you could check on th...
by sbaywriter
Thu Feb 27, 2020 2:17 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 532
Views: 54236

Re: The Calm Post - Stay the course thread.

I'm staying calm because although I'm a natural worrier, at this stage in my life (70s), I've learned what I need to do to stay calm. Among them: never watch TV news, spend minimal time on Internet news. Focus on productive activities. Try to think of ways to help others stay calm versus pass on you...
by sbaywriter
Thu Jan 23, 2020 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Career Thoughts - Taking a large pay cut
Replies: 39
Views: 3403

Re: Career Thoughts - Taking a large pay cut

The key factors seem to be 1) the new job turned out bad and your husband wants out as quickly as possible but 2) he’s concerned about taking a pay cut, in terms of how it would affect future job prospects. But from what you and others have said, if you look at overall cost of living maybe it’s not ...
by sbaywriter
Thu Jan 09, 2020 12:04 pm
Forum: Investing - Theory, News & General
Topic: What do you guys think about a career in insurance sales?
Replies: 80
Views: 5931

Re: What do you guys think about a career in insurance sales?

OP - first off, congratulations on completing 2 degrees - that shows persistence and has got to be worth something even if you are finding the degrees aren't worth much in terms of an immediately high paying salary. I don't know anything about insurance sales but it seems like a random choice for yo...
by sbaywriter
Sat Jan 04, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: is QCD like a DAF (but better) ?
Replies: 53
Views: 2680

Re: is QCD like a DAF (but better) ?

Just to clarify that the age requirement for QCD is 70.5, not 70.

But if the goal is to reduce AGI by taking the QCD "in place of" an RMD, so that all or part of the RMD does not count as income, you would need to wait until the year you turn 72.
by sbaywriter
Wed Dec 25, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Help not being a Scrooge with presents
Replies: 49
Views: 4067

Re: Help not being a Scrooge with presents

Happy holidays! OP I think you have the right idea when you say: I think these holidays, I'll just be grateful for gifts that I receive, feel blessed for all that I already have and most importantly cherish the time that I get to spend with family and friends. And your ideas for how to deal with it ...
by sbaywriter
Thu Dec 19, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situation
Replies: 101
Views: 10571

Re: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situati

OP – just want to say, you sound mature beyond your years, and articulate, and smart. I think some of the previous posters are being a bit hard on you – give him a chance, guys, he just got here. Spend some time reading around on the wiki and reading some of the recommended books and reading the for...
by sbaywriter
Thu Dec 19, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Claiming SS for deceased spouse
Replies: 10
Views: 897

Re: Claiming SS for deceased spouse

That link posted above from ssa.gov is really helpful - unless you are mathematically challenged like I am in which case your eyes still glaze over. So just wanted to point out that I know from personal experience that in some cases you can claim widow benefits before FRA while working and come out ...
by sbaywriter
Wed Dec 18, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Widow survivor benefit age 62 = file and suspend ??
Replies: 18
Views: 1219

Re: Widow survivor benefit age 62 = file and suspend ??

No you were given incorrect information. What the phone rep said applies to spousal benefits, not to widow (survivor) benefits. See this AARP article which confirms your original plan:
https://www.aarp.org/retirement/social- ... tions.html
by sbaywriter
Mon Dec 02, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: Monovision contacts?
Replies: 23
Views: 1698

Re: Monovision contacts?

I liked them. I got used to them quickly and found they worked fine in most cases - not perfect but good enough. I used glasses over contacts while working at the computer for long stretches of time. Otherwise I could do without. Until eventually I had to return to glasses because eyes got too dry f...
by sbaywriter
Wed Nov 06, 2019 8:13 am
Forum: Personal Finance (Not Investing)
Topic: First year QCD close to New Year's Eve
Replies: 11
Views: 818

Re: First year QCD close to New Year's Eve

I found a URL that seems to clarify the question of whether the charity needs to receive/cash the checks before the end of the year for the QCD to be considered to be taken in that year. Or at least clarifies one scenario. https://www.financial-planning.com/news/charitable-contributions-from-an-ira-...
by sbaywriter
Tue Oct 22, 2019 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Executor for parent in Florida seeking guidance
Replies: 46
Views: 3837

Re: Executor for parent in Florida seeking guidance

Regarding the house, another thing to be considered is long-term incapacity versus death. I would check with the lawyer that the financial POA gives the authority to sell the real estate, if it is not under a lady bird deed or trust.
by sbaywriter
Mon Oct 21, 2019 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Executor for parent in Florida seeking guidance
Replies: 46
Views: 3837

Re: Executor for parent in Florida seeking guidance

Florida does not have TOD for a house but they do have something called a "lady bird deed" which may be applicable in your case.
by sbaywriter
Thu Sep 19, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Best places to live to raise a family (cost doesn't matter)
Replies: 95
Views: 10219

Re: Best places to live to raise a family (cost doesn't matter)

If outdoor activities and moderate temperatures are high on your list and you are considering Santa Barbara (pricy), you might also consider Ventura, one of my favorite places in terms of physical environment. But little going on culturally - there is a community college but um.... But you can do a ...
by sbaywriter
Mon Sep 16, 2019 9:55 am
Forum: Personal Investments
Topic: Portfolio Recommendation For My Sister
Replies: 19
Views: 1403

Re: Portfolio Recommendation For My Sister

Re the Roth:

The 5 year wait period for Roth withdrawal applies only to the earnings on the amount contributed, not to the contribution. Regular Contributions can be withdrawn at any time with no tax and no penalty.
by sbaywriter
Sat Sep 14, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: Books set in New Zealand/Australia (police procedurals)
Replies: 21
Views: 1557

Re: Books set in New Zealand/Australia (police procedurals)

Sorry to bring back bad memories, yes, can't get much grimmer than Nevil Shute's On the Beach. Don't worry, almost all his other books are the opposite, obstacles are there but are overcome, people face adversity but win through, etc, uplifting.
by sbaywriter
Fri Sep 13, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: Books set in New Zealand/Australia (police procedurals)
Replies: 21
Views: 1557

Re: Books set in New Zealand/Australia (police procedurals)

I second Ngaio Marsh. More modern style: Kerry Greenwood's mysteries featuring Phryne Fisher, set in Australia in the 1920s, the TV series is also great Also not mystery/police procedural but good novelist who wrote many novels, some set in Australia: Nevil Shute, pen name of Nevil Shute Norway, Eng...
by sbaywriter
Wed Sep 11, 2019 5:33 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 10418

Re: Too Late To Get Back Into Stocks?

I'm surprised no one has suggested dollar cost averaging back in. Choose an equity allocation per the many good suggestions above, then invest 10 percent a month or something like that. Although it's possible you want to pause a while in the months leading up to the next election so that you won't b...
by sbaywriter
Wed Sep 11, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 61
Views: 5396

Re: Calling all iPhone SE Bogleheads

I like the smaller size phone for my uses.I've been using SE for 3 years but this is second one - the first one I got 16gb which wasn't quite enough and then I dropped it and cracked the screen and the replacement screen never worked as well. Then I switched to consumer cellular last year and they w...
by sbaywriter
Sun Sep 08, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 4084

Re: Going desktop-less?

I moved to hurricane country. I am sticking with laptop so I can take it with me easily should I need to evacuate. I use it just like desktop otherwise - use external monitor and external keyboard/mouse.
by sbaywriter
Wed Sep 04, 2019 4:08 pm
Forum: Personal Investments
Topic: Series I bonds - question about compounding interest
Replies: 18
Views: 2022

Re: Series I bonds - question about compounding interest

If I am understanding you, the following is not correct: I think this means that if you cash out the month before it compounds you do NOT receive the interest. I believe the semi-annual compounding refers to changing the principal amount on which interest will be paid by adding to it the interest fo...
by sbaywriter
Wed Aug 28, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a home a year back, thinking of selling now
Replies: 51
Views: 5796

Re: Bought a home a year back, thinking of selling now

I pay around 5k in interest, property tax payment, which is around 60k expense yearly. If i sell the house in 5 years, it has to go upto to 2 mn for me to break even (300k interest+prop tax, transaction costs). If you are not paying this 60k yearly in mortage etc, you would be paying rent, so you w...
by sbaywriter
Mon Aug 19, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Real Life Experience. Applying for Medicare
Replies: 9
Views: 950

Re: Real Life Experience. Applying for Medicare

Also, there is Medicare Part D.
by sbaywriter
Thu Aug 01, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 16628

Re: Why won’t anyone hire me?

I don't think any one has mentioned the possible "perceived as too old" issue. Is it possible that they are looking for younger candidates in some cases so they kind of write you off at the beginning of the interview but don't say anything because legally they are not supposed to consider ...
by sbaywriter
Wed Jun 19, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 91
Views: 7896

Re: Single cup coffee/espresso options, 2019

Another non-connoisseur here. I upgraded from years of drinking instant coffee to old drip type Cuisinart 4 cup machine. No recommendations on the expresso options, but on the beans, I couldn't tell much difference between buying a small bag of pre-ground and buying beans and grinding my own in a ch...
by sbaywriter
Sun Jun 09, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Del webb in Florida
Replies: 20
Views: 3037

Re: Del webb in Florida

No comments on individual communities but as a general statement: For hurricanes there are 3 main factors: storm surge, inland flooding, and winds. The maps seem to show they are far enough inland so you don't have to worry about storm surge, so that leaves inland flooding and winds. I would think t...
by sbaywriter
Fri May 31, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Cataract Surgery Choices? Protocols? Cost and sight?
Replies: 8
Views: 696

Re: Cataract Surgery Choices? Protocols? Cost and sight?

I would suggest doing as much online research as possible on the types of lenses and so on. I have visited 3 cataract surgeons and none of them provided me useful information - I had to find it all out on my own. My optometrist was far more helpful in explaining to me what was occurring. There are s...
by sbaywriter
Mon Mar 18, 2019 6:15 pm
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 12136

Re: How to get over a $25K stock market loss?

Ok, you lost money from buying high and selling low – but I think you were right to sell – it was a rational response to recognizing that you had taken on an inappropriate risk with that money. So you should pat yourself on the back for being rational and recognizing that mistake. As many mentioned ...
by sbaywriter
Wed Mar 06, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5095
Views: 1325305

Re: What Book Are You Currently Reading? Part VI

I just finished Circe by Madeline Miller, which I enjoyed tremendously - I've read a lot of junk recently, because I'm lazy and so read a lot of junky novels, but this was fascinating and original and also easy to read. Although it draws heavily on Greek mythology, particularly the stories in the Od...
by sbaywriter
Tue Feb 19, 2019 5:42 pm
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 383
Views: 32907

Re: Vanguard Customer Service is Horrible

I have not found Vanguard customer service horrible - just some long wait times on the phone occasionally. But these days, I can do everything online anyhow. I have IRA accounts only, and at Vanguard, mutual funds only, old mutual fund "platform", have not converted to the brokerage platfo...
by sbaywriter
Mon Feb 18, 2019 10:49 am
Forum: Personal Investments
Topic: Please Help - Gray Divorce No Investment Experience
Replies: 25
Views: 2432

Re: Please Help - Gray Divorce No Investment Experience

It might help her to read the section in the wiki on getting a windfall, which will encourage her to take her time and not rush into doing anything with the money - in a way she is in a similar position of someone who suddenly has a lot of money and has to figure out what to do with it, and I think ...
by sbaywriter
Sat Feb 16, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Jet Blue - missing planes?
Replies: 19
Views: 2426

Re: Jet Blue - missing planes?

It probably dug out under the fence. Happens to our dogs all the time. I'd try the local shelter first, and if that doesn't work they can post some flyers around where it went missing. I just checked and it's not in our yard, and my neighbor says he hasn't seen it either. I did see a small tan and ...
by sbaywriter
Sat Feb 16, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help with difficult work situation
Replies: 48
Views: 4060

Re: Help with difficult work situation

Option #5 Pretend the situation was reversed. What would you do if you were her boss? How would you want her to act toward you ? You might find you can reverse your present negative point of view. Perhaps you might want to congratulate her and let her know you will be doing your best to continue you...
by sbaywriter
Thu Feb 14, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Ongoing confusion about account types at Vanguard
Replies: 6
Views: 747

Re: Ongoing confusion about account types at Vanguard

I think it was mostly that people upgraded without realizing what they were getting into - they were not just switching to a different web site - it was a different account type and if they had not had a brokerage account before, there were things that worked differently. For example, the settlement...
by sbaywriter
Thu Feb 14, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Ongoing confusion about account types at Vanguard
Replies: 6
Views: 747

Re: Ongoing confusion about account types at Vanguard

Someone posted this link on a similar ongoing discussion - it's a good summary, especially the comparison table, and may answer all your questions:

Vanguard brokerage https://www.vanguard.com/pdf/vbafqm.pdf
by sbaywriter
Wed Feb 13, 2019 12:47 pm
Forum: Personal Investments
Topic: Disabled but unable to withdraw money early from 401(k)
Replies: 16
Views: 1683

Re: Disabled but unable to withdraw money early from 401(k)

Regarding the Rule of 55 mentioned above - since you say the 401k was from former employer the Rule of 55 does not seem to apply according to an article I found on the web, which says: The Rule of 55 only applies to assets in your current 401(k) or 403(b )—the one you invested in while you were at t...
by sbaywriter
Mon Feb 11, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Side hustle on resume?
Replies: 15
Views: 1365

Re: Career Advice: Side hustle on resume?

I know nothing really, no hiring experience. But seems like this could be validly included as part of a functional resume versus chronological resume. Also, if there are opportunities for taking on your desired new role within company, that might be easier that external transistion. And maybe you co...
by sbaywriter
Wed Feb 06, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefit Statement
Replies: 8
Views: 604

Re: Social Security Benefit Statement

I think they ran a bit late - got mine beginning of Feb. Once I got the paper copy I was also able to track it down a PDF download on the soc sec website - wasn't showing up before then.
by sbaywriter
Mon Feb 04, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Relocating to St. Pete/Tampa
Replies: 16
Views: 2323

Re: Relocating to St. Pete/Tampa

I retired to Clearwater recently. If you are thinking of Clearwater as a location that might work for commuting to both Tampa and St Pete - I think you might end up with 2 brutal commutes - maybe just go to St Pete so that at least one of you doesn't have the long commute. I guess suburban sprawl de...
by sbaywriter
Fri Feb 01, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Need Objective Mattresses Ratings and Reviews
Replies: 63
Views: 5535

Re: Need Objective Mattresses Ratings and Reviews

I spent hours in stores test driving mattresses a couple years ago. Finally bought at a big half price sale at Macy's after spending over an hour trying them out. The salesperson warned me that the mattress as delivered would not feel the same as the mattress in the store - it wouldn't be as soft. W...
by sbaywriter
Fri Feb 01, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards - Autopay inconsistent across companies?
Replies: 40
Views: 2038

Re: Credit Cards - Autopay inconsistent across companies?

My CITI card makes it clear that if I schedule a payment before the autopay date, they adjust the autopay amount accordingly. For example right now I have a payment of $700 scheduled for next week and less than that is due on the autopay the following week, so their web site shows the statement: You...
by sbaywriter
Sat Jan 26, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Regretting home purchase and move - advice needed
Replies: 21
Views: 3444

Re: Regretting home purchase and move - advice needed

Nothing is perfect - you made the best decision you could at the time For an older house there will always be things that show up that need fixing after you buy. Usually you can prioritize and fix them over several years. Maybe making a list and identifying priorities to start working on would help....
by sbaywriter
Sun Jan 20, 2019 11:36 pm
Forum: Personal Consumer Issues
Topic: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather
Replies: 61
Views: 6544

Re: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather

I only worked briefly in Fremont so don't know the parks there. I lived near Shoreline Park in Mountain View (near Googleplex), has some nice areas for families I think. When I lived in Sunnyvale I used to hike Rancho San Antonio park in Los Altos - it has beautiful hiking trails (heavily used these...