Search found 609 matches

by prd1982
Sun Aug 01, 2021 9:22 am
Forum: Personal Finance (Not Investing)
Topic: What is the best on-line tax software?
Replies: 12
Views: 708

Re: What is the best on-line tax software?

To address just your question about online software, I think the answer is none. I don’t believe the online programs will show you the tax forms until you pay. And of course, they are using the current year, not the one you are asking about. I think most people doing the early planning you are refer...
by prd1982
Sun Aug 01, 2021 7:48 am
Forum: Personal Consumer Issues
Topic: Should I buy a new PC vs upgrade
Replies: 30
Views: 1643

Re: Should I buy a new PC vs upgrade

Windows 10 is still a free upgrade. I have done it about 4 times on the last few months on a variety of computers. https://www.cnet.com/tech/services-and-software/how-to-download-windows-10-for-free-now-that-windows-7-is-dead/ I would not update to Win 10 at this point. The OP has a slow machine. U...
by prd1982
Sun Aug 01, 2021 7:35 am
Forum: Personal Consumer Issues
Topic: Should I buy a new PC vs upgrade
Replies: 30
Views: 1643

Re: Should I buy a new PC vs upgrade

However, I wouldn't do anything right now. Instead I'd wait until later in the year when Windows 11 is released and then start looking at new systems that are fully Window 11 compatible. I don't see a point in buying a new Windows 10 system only to find out that it may not be well-equipped to run W...
by prd1982
Sat Jul 31, 2021 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA Question For New Widow
Replies: 16
Views: 1063

Re: IRMAA Question For New Widow

There will be a 1 year increase in Medicare parts B and D in 2023 It will automatically go away in 2024. There is an appeal process but I don’t know if death of a spouse is a valid reason. I know that a large increase because of stock sales for 1 year is NOT a reason the IRS will accept. Edited to c...
by prd1982
Sat Jul 31, 2021 12:42 pm
Forum: Personal Investments
Topic: Exchanging Capital Group American funds for VG funds
Replies: 3
Views: 336

Re: Exchanging Capital Group American funds for VG funds

Sounds good. Some people hate to be out of the market for several days. If you are in this category, consider selling a portion of American Funds, wait until settled in 3 days and buy VG. Repeat the process until all converted. Just be sure you don't have an overly large % in stocks at any stage of ...
by prd1982
Sat Jul 31, 2021 6:02 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 293
Views: 17482

Re: VG Removing Message Center

I have pop ups blocked on Firefox. No message. As a back up, I have Edge and Chrome set as defaults. Logged in there. No message! Flagship if that matters. I don't think it is anything "special" about me. It think the fact some of us get messages and others don't is more indicative of the...
by prd1982
Sat Jul 31, 2021 5:40 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 293
Views: 17482

Re: VG Removing Message Center

One has to wonder if Vanguard has had an unacknowledged security breach of this system. Why? Shouldn’t you have some indication before making this innuendo? Well, in the absence of any explanation at all, and such short notice, it is reasonable to expect people to wonder . What would be your list o...
by prd1982
Sat Jul 31, 2021 5:24 am
Forum: Investing - Theory, News & General
Topic: VG Removing Message Center [Vanguard]
Replies: 293
Views: 17482

Re: VG Removing Message Center

nisiprius wrote: Sat Jul 31, 2021 5:07 am One has to wonder if Vanguard has had an unacknowledged security breach of this system.
Why? Shouldn’t you have some indication before making this innuendo?
by prd1982
Fri Jul 30, 2021 1:43 pm
Forum: Personal Investments
Topic: How do I qualify for ACA subsidy with $90K in income?
Replies: 29
Views: 3742

Re: How do I qualify for ACA subsidy with $90K in income?

Of the items you listed, capital gains is the only one I think you attack. My assumption is that you need 90k a year to live on. So sell the stock shares with the smallest capital gains. If all the shares have the same basis, then nothing I can think of.
by prd1982
Thu Jul 29, 2021 6:48 am
Forum: Personal Consumer Issues
Topic: Any literature on the financial benefits of staying fit/healthy?
Replies: 47
Views: 3114

Re: Any literature on the financial benefits of staying fit/healthy?

I’m guessing it is a wash: * if unhealthy practices, you are likely to have more spending each year you are alive for medical care, to have others do work around the house that you cannot do, etc. * if healthy practices,you are likely to live longer which means you need a larger net worth to maintai...
by prd1982
Wed Jul 28, 2021 9:13 am
Forum: Personal Consumer Issues
Topic: No mail since Thursday - Informed Delivery reporting?
Replies: 20
Views: 1779

Re: No mail since Thursday - Informed Delivery reporting?

I haven't received any mail since Thursday. According to Informed Delivery, I should have received 10 pieces of mail (including a replacement credit card). I would go to the post office delivering your mail, and ask if someone accidentally put a hold on your mail. If you don’t receive the CC within...
by prd1982
Wed Jul 28, 2021 5:57 am
Forum: Personal Consumer Issues
Topic: No mail since Thursday - Informed Delivery reporting?
Replies: 20
Views: 1779

Re: No mail since Thursday - Informed Delivery reporting?

Wondering if there is some coordinated subterfuge by postal workers. DS has been getting notices that no one home to accept deliveries despite him watching the postal worker on camera who has made no attempt to bring the item to the house nor knock on door, as DS works from home. He then has to go ...
by prd1982
Tue Jul 27, 2021 4:27 pm
Forum: Personal Investments
Topic: Parent's Retirement Funds in a mess
Replies: 33
Views: 4450

Re: Parent's Retirement Funds in a mess

As to the annuity I think your Mom is right on. Hopefully some folks you are more knowledgeable than me will answer that part of your post.
by prd1982
Tue Jul 27, 2021 4:17 pm
Forum: Personal Investments
Topic: Parent's Retirement Funds in a mess
Replies: 33
Views: 4450

Re: Parent's Retirement Funds in a mess

Paying for an advisor isn’t going to help; it will just reduce their savings. The problem is that your parents don’t want any risk, and think a savings account will provide that. Unfortunately, they have the risk that the value of their portfolio will be reduced by inflation. I would try to see if t...
by prd1982
Tue Jul 27, 2021 3:42 pm
Forum: Personal Consumer Issues
Topic: WFH Options (San Diego vs . Manhattan)?
Replies: 24
Views: 2005

Re: WFH Options (SD vs. Dallas)?

I think you need to decide which is more important:

* The weather. I don’t think many Texans will claim their weather is better.

* Making fun of the policies of CA.

Since you are planning to WFH, I’d suggest you move to Dallas and rent for a year. Then you can decide.
by prd1982
Tue Jul 27, 2021 3:14 pm
Forum: Personal Consumer Issues
Topic: No mail since Thursday - Informed Delivery reporting?
Replies: 20
Views: 1779

Re: No mail since Thursday - Informed Delivery reporting?

Random Poster wrote: Tue Jul 27, 2021 3:01 pm In my NM town, the local post office is intentionally not delivering mail on a daily basis, claiming that there is a lack of workers.

So people end up getting a week’s worth of mail on Friday, or on Tuesday, or the like.
Does that apply to packages (e.g. medicine)?
by prd1982
Tue Jul 27, 2021 3:01 pm
Forum: Personal Consumer Issues
Topic: WFH Options (San Diego vs . Manhattan)?
Replies: 24
Views: 2005

Re: WFH Options (deciding where to move, want to move to Dallas)

The only thing I remember about my trips to Houston was the humidity. However, these trips were in the days when you had to wear a suit. Just be prepared.
by prd1982
Tue Jul 27, 2021 10:14 am
Forum: Personal Consumer Issues
Topic: No mail since Thursday - Informed Delivery reporting?
Replies: 20
Views: 1779

Re: No mail since Thursday - Informed Delivery reporting?

8foot7 wrote: Tue Jul 27, 2021 9:22 am Call your local postmaster. There are a LOT of shenanigans happening with the mail lately.
Nonsense. The Post Office is having problems, but I’m not aware of any creditable reports of shenanigans.
by prd1982
Tue Jul 27, 2021 9:05 am
Forum: Personal Consumer Issues
Topic: No mail since Thursday - Informed Delivery reporting?
Replies: 20
Views: 1779

Re: No mail since Thursday - Informed Delivery reporting?

I haven't received any mail since Thursday. According to Informed Delivery, I should have received 10 pieces of mail (including a replacement credit card). I would go to the post office delivering your mail, and ask if someone accidentally put a hold on your mail. If you don’t receive the CC within...
by prd1982
Sun Jul 25, 2021 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Class-action Lawsuit Against a Mutual Fund
Replies: 25
Views: 2985

Re: Class-action Lawsuit Against a Mutual Fund

TRPrice’s SP500 fund has an expense ratio of .19%. But I don’t see that it is illegal. But this is a boutique law firm specializing in this type of activity.
by prd1982
Sat Jul 24, 2021 10:35 am
Forum: Personal Investments
Topic: Employer 401k/457 does not pay dividend or capital gain distributions..
Replies: 12
Views: 690

Re: Employer 401k/457 does not pay dividend or capital gain distributions..

My assumption is that you have a CIT rather than a mutual fund. They are similar but a CIT usually has a lower expense ratio than a MF (a good thing). I’d suggest Searching for what is a CIT. With a standard MF, when there is a dividend, the share price drops by the amount of the dividend, but then ...
by prd1982
Sat Jul 24, 2021 8:20 am
Forum: Investing - Theory, News & General
Topic: Unannounced Change at Vanguard [no Market Alerts for mutual funds]
Replies: 27
Views: 6118

Re: Unannounced Change at Vanguard

I didn't even know this existed, to be candid. Don't even know why it is needed. But, if this is a mutual fund account (not brokerage account), you could be right -- this may be part of their shrinking of bells and whistles on the MF platform to get people to shift to brokerage. I plan to change ou...
by prd1982
Fri Jul 23, 2021 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay: value vs. chip credit card
Replies: 77
Views: 5667

Re: Apple Pay: value vs. chip credit card

Does it cost he merchant more when you use Apple/Google Pay vs. the underlying credit card?
by prd1982
Wed Jul 21, 2021 4:33 pm
Forum: Personal Consumer Issues
Topic: Plan to change the way you tip when the minimum wage goes to $15 per hour?
Replies: 17
Views: 1133

Re: Plan to change the way you tip when the minimum wage goes to $15 per hour?

I plan to stop tipping all the waiters I can verify make over 100k. The rest I plan to continue tipping generously.
by prd1982
Tue Jul 20, 2021 7:44 am
Forum: Investing - Theory, News & General
Topic: Covid recession lasted just 2 months, shortest recession in U.S. history
Replies: 19
Views: 2489

Re: Covid recession lasted just 2 months, shortest recession in U.S. history

I’m just hoping we don’t have to change the title to “First COVID recession …”.
by prd1982
Sun Jul 18, 2021 1:54 pm
Forum: Personal Consumer Issues
Topic: Battery Powered Lawn Mowers
Replies: 60
Views: 6159

Re: Battery Powered Lawn Mowers

I don't own one but you're buying into their battery ecosystem. Consider looking at mowers that use the same batteries as any tools you own, or hope to own. I've been looking at a battery mower from Makita for my parents because they currently own a few Makita battery tools. https://www.makitatools...
by prd1982
Sat Jul 17, 2021 1:44 pm
Forum: Personal Investments
Topic: 89 Year Old Parents Have 100% of $ in Stocks
Replies: 44
Views: 6660

Re: 89 Year Old Parents Have 100% of $ in Stocks

I guess I read the OP’s posting as meaning that if they sold the stocks, they would have 8 years worth of expenses. In that case, I would think 20% in stocks would be reasonable.
by prd1982
Fri Jul 16, 2021 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: About to have 1st grand daughter. Please advise
Replies: 30
Views: 3112

Re: About to have 1st grand daughter. Please advise

retire14 wrote: Fri Jul 16, 2021 12:48 pm Any tip and advice besides 529 and Life insurance, etc...TIA.
When you say “Life insurance” do you mean:

* parents’ life insurance: the wage earners should have TERM Life insurance.

* child’s life insurance: NO. Please don’t buy it.
by prd1982
Fri Jul 16, 2021 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Kids Summer Job - Employer incompetent & taking advantage
Replies: 67
Views: 6550

Re: Kids Summer Job - Employer incompetent & taking advantage

Wow, the responses so far surprised me. I think you son got an A so far for realizing things were wrong (and illegal). Given this is a short time job, he doesn’t have a lot of skin in the game. So report the boss to the state’s appropriate office. Your son may very well be let go because of it. But ...
by prd1982
Wed Jul 14, 2021 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: [Discrepancy in IRS refund, no explanation given. What to do?]
Replies: 9
Views: 770

Re: [Discrepancy in IRS refund, no explanation given. What to do?]

Can’t you go online to the IRS and see the payments they think you made?
by prd1982
Wed Jul 14, 2021 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax is buggy. Alternative? TaxAct?
Replies: 10
Views: 945

Re: Turbo Tax is buggy. Alternative? TaxAct?

I just opened my forms, and it looks like schedule 1-3 are missing. Is that what you are seeing? If so, you might try to find out which form or mini form feeds sched 3, and override it.
by prd1982
Wed Jul 14, 2021 10:44 am
Forum: Personal Consumer Issues
Topic: Toll roads while traveling northeast US: planning and paying
Replies: 59
Views: 3654

Re: Toll roads while traveling northeast US: planning and paying

Thanks for the topic. I'm heading back east and would have simply gotten one from the state I'd be living in but it sounds like the cheaper option is to go via another state. Buying from the state your living in usually be the cheapest. Most of the states have a discount for residents using the in-...
by prd1982
Wed Jul 14, 2021 9:51 am
Forum: Personal Consumer Issues
Topic: Toll roads while traveling northeast US: planning and paying
Replies: 59
Views: 3654

Re: Toll roads while traveling northeast US: planning and paying

In the meantime, I may look at bypassing 95 between DC and CT (no offense NJ Turnpike fans) and running up I-270 to US15 to I-81/I-78 to I-278, I-83 to US30/222 to I-78 to I-287 (or I-83 to I-81/I-78 to I-278). Any feedback on those three potential routes in MD/PA? Thanks! Well, I would take I-95 t...
by prd1982
Wed Jul 14, 2021 9:47 am
Forum: Personal Consumer Issues
Topic: Toll roads while traveling northeast US: planning and paying
Replies: 59
Views: 3654

Re: Toll roads while traveling northeast US: planning and paying

In the meantime, I may look at bypassing 95 between DC and CT (no offense NJ Turnpike fans) and running up I-270 to US15 to I-81/I-78 to I-278, I-83 to US30/222 to I-78 to I-287 (or I-83 to I-81/I-78 to I-278). Any feedback on those three potential routes in MD/PA? Thanks! Well, I would take I-95 t...
by prd1982
Wed Jul 14, 2021 9:14 am
Forum: Personal Consumer Issues
Topic: Toll roads while traveling northeast US: planning and paying
Replies: 59
Views: 3654

Re: Toll roads while traveling northeast US: planning and paying

Chip wrote: Wed Jul 14, 2021 8:40 am I am not familiar with the New England toll system but the PA Turnpike gives all EZ Pass users a 50% discount over toll-by-plate.
Kudos to the PA marketing department for convincing people they get a discount for using EZ-Pass, vs. a surcharge for using toll-by-plate :happy
by prd1982
Wed Jul 14, 2021 8:19 am
Forum: Personal Consumer Issues
Topic: Toll roads while traveling northeast US: planning and paying
Replies: 59
Views: 3654

Re: Toll roads while traveling northeast US: planning and paying

I don't know of any tolls in the US that require a transponder (even to avoid a fee). Well, MD, DE and NY require one at many toll points. Otherwise they snap your license plate, and mail you a bill with a small service charge. I don’t consider the surcharge hefty, but there is a charge. Some state...
by prd1982
Wed Jul 14, 2021 7:49 am
Forum: Personal Consumer Issues
Topic: Toll roads while traveling northeast US: planning and paying
Replies: 59
Views: 3654

Re: Toll roads while traveling northeast US: planning and paying

Get an EZ-Pass from Massachusetts. Http://ezdrivema.com
Minimal cost and no monthly fee.

Note: when you drive thru CT, there are no toll roads!
by prd1982
Mon Jul 12, 2021 8:01 pm
Forum: Personal Consumer Issues
Topic: Important letter from IRS not delivered by USPS [Update: letter received]
Replies: 20
Views: 2843

Re: Important letter from IRS not delivered by USPS

Well, the Informed Delivery site says to wait 7 days before reporting it missing to the USPS. So I guess you could wait that long before calling. I just know that I don’t like to keep the IRS waiting. Note that I’ve always had good experiences with them.
by prd1982
Mon Jul 12, 2021 6:44 pm
Forum: Personal Consumer Issues
Topic: Important letter from IRS not delivered by USPS [Update: letter received]
Replies: 20
Views: 2843

Re: Important letter from IRS not delivered by USPS

I would call the IRS and ask them to resend the letter. Worst that happens is that you get 2 copies, and spend some time on hold.
by prd1982
Sun Jul 11, 2021 9:02 pm
Forum: Investing - Theory, News & General
Topic: Risks of investing in collective investment trusts?
Replies: 4
Views: 408

Re: Risks of investing in collective investment trusts?

Nothing to worry about. These are effectively the same as a retail mutual fund. The only downside is that they cannot be tracked with tools such as Morningstar’s portfolio. However this is a small issue given the savings. Your company did good by you.
by prd1982
Sun Jul 11, 2021 2:52 pm
Forum: Personal Investments
Topic: Looming estate tax and Roth conversions
Replies: 3
Views: 486

Re: Looming estate tax and Roth conversions

Are you concerned about exceeding the federal estate tax level? Is it likely that all of the IRA will be subject to the federal estate tax?
by prd1982
Sun Jul 11, 2021 7:29 am
Forum: Personal Investments
Topic: How many are using Automatic contributions?
Replies: 77
Views: 7466

Re: How many are using Automatic contributions?

I saw someone posted inconvenience when it comes to tax time if one had many transactions build up in their life time for say three funds in their taxable account. That would be lot of transactions. It is making me think, should I go 4x weekly vs 1x monthly transaction. I like to take advantage of ...
by prd1982
Sat Jul 10, 2021 3:08 pm
Forum: Personal Consumer Issues
Topic: [Electric lawnmower battery replacement]
Replies: 108
Views: 6714

Re: [Electric lawnmower battery replacement]

$350 for a battery seems excessive. If you decide to stay electric, try the Ryobi. We have a Ryobi mower, leaf blower, and hedge trimmer and they all use the same form factor 40V battery, so we can use one while charging another. Checking online, a 4 A.hr replacement battery is $117 from Amazon, an...
by prd1982
Sat Jul 10, 2021 8:29 am
Forum: Investing - Theory, News & General
Topic: Simple strategies for reducing inflation risk by Vanguard
Replies: 31
Views: 4655

Re: Simple strategies for reducing inflation risk by Vanguard

I believe the boxes and whiskers (black lines) are associated with the left axis, and show the amount of money spent + remaining at death in real terms. The dot is associated with the right axis and is the percentage of scenarios that passed using the approach at the bottom. So the case on the right...
by prd1982
Sat Jul 10, 2021 8:20 am
Forum: Investing - Theory, News & General
Topic: Simple strategies for reducing inflation risk by Vanguard
Replies: 31
Views: 4655

Re: Simple strategies for reducing inflation risk by Vanguard

This is a box and whisker plot.

White line is median
The box shows the 2nd and 3rd quartiles.
The black lines go to the upper and lower values
The dot is a single data point

Hopefully the doc describes the overall meaning of the graph.

Edit: fixed which quartiles are in the box.
by prd1982
Fri Jul 09, 2021 2:47 pm
Forum: Personal Consumer Issues
Topic: How to save [on] water bill?
Replies: 49
Views: 3393

Re: How to save water bill?

What is the billing period (e.g., 1 month, 3 months)? Is this a year round issue?
by prd1982
Fri Jul 09, 2021 8:46 am
Forum: Investing - Theory, News & General
Topic: Do you use taxable gains/dividends to cover expenses?
Replies: 25
Views: 3040

Re: Do you use taxable gains/dividends to cover expenses?

We did before our RMDs started. If your income is not enough, then you need to take the money from your investments. RMDs are first since you have to take them or pay a huge penalty. Next is dividends and year-end capital gains from taxable accounts, since you have to pay taxes on them even if reinv...
by prd1982
Thu Jul 08, 2021 7:39 am
Forum: Personal Consumer Issues
Topic: [Electric lawnmower battery replacement]
Replies: 108
Views: 6714

Re: [Electric lawnmower battery replacement]

A 40 volt 4ah battery takes hours to charge, so have more than 1. Rick, buy a Ryobi rapid charger. They also come as part of some of the kits for larger tools (e.g., lawn mower). Thanks for pointing this out. Yes, 40 minutes would be better than hours. Wonder what that does to battery life vs. the ...
by prd1982
Thu Jul 08, 2021 7:06 am
Forum: Personal Consumer Issues
Topic: [Electric lawnmower battery replacement]
Replies: 108
Views: 6714

Re: [Electric lawnmower battery replacement]

RickBoglehead wrote: Thu Jul 08, 2021 7:03 am
A 40 volt 4ah battery takes hours to charge, so have more than 1.
Rick, buy a Ryobi rapid charger. They also come as part of some of the kits for larger tools (e.g., lawn mower).
by prd1982
Thu Jul 08, 2021 7:03 am
Forum: Personal Consumer Issues
Topic: [Electric lawnmower battery replacement]
Replies: 108
Views: 6714

Re: [Electric lawnmower battery replacement]

I just bought my battery powered lawn mower, but don't expect it to save money or the environment (unfortunately). I bought it because easier to maneuver, doesn't throw off heat, and quieter for my neighbors working at home. However, I did see this comment in Consumer Reports: And they’re (battery p...