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Ron

Someone mentioned that there isn't much adventure in either Thailand or Vietnam anymore....eh, whatever. Yea, it's too bad I didn't travel the hippie trail in the late 60's / early 70's, but I was a toddler then. Heh, I don't think any Americans were "backpacking" on a hippie trail in Vie...

Ron

https://finance.yahoo.com/quote/FSMAX/h ... Close=true

History of payouts...

- Ron

Ron

Why not just combine the two t-IRA's into one account? What's the point of maintaining two t-IRA's? That would simplify things considerably. To my knowledge, there is no advantage in maintaining multiple t-IRA accounts. Calling one t-IRA account a "rollover" is meaningless. Unless you are...

Ron

+1 - Screw Drive!!! Chain & Belts are destined to fail - Put in a Screw drive and it'll be the last opener ever needed on that Door! It’s recommended that screw drive openers not be used in regions that experience major fluctuations in temperature as the units are sensitive to temperature: http...

Ron

SrGrumpy wrote: ↑Sat Apr 03, 2021 3:41 pm Maybe I've watched too many horror movies, but I immediately assumed you were worried the driver would pump poisonous gas into the back seat area. A valid concern in Bogleheadland, I guess.

Like in the movie https://en.wikipedia.org/wiki/Death_Proof?

...

- Ron

Ron

<snip...> But one could just as easily put in LED bulbs in lieu of standard bulbs... no? I mention as that's one thing I'm waffling on. LED bulbs are not recommended for Chamberlain/Lift Master units unless they are approved by the manufacturer: https://support.partner.liftmaster.com/s/article/What...

Ron

Being anal as I am when it comes to money, I computed (to the penny) of what $$$ should have been stated on each closing document for closing on our current (4th) house (been to this rodeo before 🤑 ). We were not provided a copy of the closing documents, but were given just an "estimate sheet&q...

Ron

Better than no breath

...

- Ron

Ron

Many years ago, I went to the local court house after the will was filed for a relative and I was able to get a copy of it just for the price of copying the document.

It showed the distribution of the entire estate holdings and who received what.

- Ron

Ron

Sounds like an "in-between" solution of a stand-on mower could be an option:

https://www.gravely.com/en-us/power-equ ... pro-stance

- Ron

Ron

Rolling over to an IRA likely involves snail mailing a check around, which means time out of market. If the market moves during this time with a seven figure portfolio, it could cost you thousands. I plan to leave it in the 401k. My wife/me rolled our respective 401(k)'s held with FIDO (we worked f...

Ron

Do you have dependents that you're financially supporting? If you are married, remember that your joint income drops to a single benefit (the larger of the two) after you pass. If you are married and have a pension, what are the terms if you pass? Do payments continue at 100% for your spouse? If you...

Ron

They currently have 765 various positions open around the country:

https://jobs.fidelity.com/job-search-results/

- Ron

Ron

For us, 28 days and counting thus far. It was also a bit over a month for our refund last year. We're retired, no taxable investments (other than savings/MM) and income only from SS, RMD's, pensions, SPIA; somewhat of a simple return. Can't be worried about it; when it comes, it comes 👌... - Ron Up...

Ron

For us, 28 days and counting thus far.

It was also a bit over a month for our refund last year. We're retired, no taxable investments (other than savings/MM) and income only from SS, RMD's, pensions, SPIA; somewhat of a simple return.

Can't be worried about it; when it comes, it comes

...

- Ron

Ron

Yes

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- Ron

Ron

Or do nothing....

I'm sure the other person will contact them and report the problem.

- Ron

Ron

<snip...> I'm not a heavy guy, but even with the seat belt on it strapped, I feel like I am going to fall out since the seat is so small. I wonder if on the ads for the stair lifts, they use smaller framed people to make the product look substantial and larger. Worked for this guy! http://4.bp.blog...

Ron

Here's what we're looking to do, when the time comes: https://www.stiltzlifts.com/?msclkid=887f31e527e81ea5369451d40dedfd9e&utm_source=bing&utm_medium=cpc&utm_campaign=Pennsylvania&utm_term=Home%20Elevators&utm_content=Home%20Elevators - Ron Us too. Have you priced this out? Not...

Ron

Here's what we're looking to do, when the time comes:

https://www.stiltzlifts.com/?msclkid=88 ... 0Elevators

- Ron

Ron

<snip...>(as an aside: another advantage of small generators ... you can share with neighbors who don't have one) I'm sure most, if not all whole house units have external outlets that can be used to run an extension cord to your neighbor if you wish. I know mine does. I have a portable (B&W 55...

Ron

I even have sinkhole insurance on our home. This is something new to me. I never heard of this type of coverage. I hadn't ever thought about whether this needs a separate coverage... Is it part of your regular homeowner's policy or something totally separate, perhaps like flood insurance? Is it som...

Ron

I get my 8 year old 20Kw Generac serviced every 6 months. It just so happens that it is done by a firm that specializes in home gensets (sales & service) of most of the known popular brands and has been in business for many years. It just happens that I asked the tech this same question. While I...

Ron

Leesbro63 wrote: ↑Wed Feb 17, 2021 4:58 pmI'm trying to delete the data. I have everything on my local hard drive and backed up locally. I was on their web site and I can't find where to delete my stuff.

Hope you have a copy offsite, regardless of backup provider/technique.

- Ron

Ron

<snip...>re: shut off valves I once had a house (with a whole house salt based water conditioner) where right after the water pipe came into the house, and after the whole house water shutoff, there was a "T" and a pipe that branched off (with its own shut off right there) and that "...

Ron

I thought, though, that the IRS wasn't accepting returns until tomorrow, February 12. Are they really accepting them now? I just received notification from TT that my return was accepted by the IRS this morning (submitted/filed on Monday). That doesn't mean it's being processed at the current time,...

Ron

We took ours @62 and never looked back. Breakeven @87....are you kidding me? Only then are you getting a little more each month and if I make it will be old with diminished spending anyway...no thank you. In five months, I will surpass the amount of $$$ that I and my respective employers contribute...

Ron

I retired at age 59 without any income sources beyond a small VA disability and withdrawals from my IRA's. At that time, and up to the time I started SS at age 70, I didn't really look at my withdrawal rate. My wife (same age) retired at age 64 and in addition to her portfolio draws, received two sm...

Ron

I keep my docs (W2's, 1099's) back to when I started my IRA/401(k) contributions back in 1983. Why? Simply that "you never know". In 2019, we had a push from a state legislator to tax earnings on IRA/401(k) earnings on all previous contributions over the years to fund the state's school di...

Ron

<snip...>property tax did NOT include trash service or water / sewage. those were billed separately. there were municipal dumps maintained by the county though where you could dump large / bulk items for a small fee Same here in my town. Trash/water/sewage not considered a tax, but a fee. The diffe...

Ron

When i was ten years old my dad told our family that he was buying a Jaguar XJS Touring Coupe as an investment. I found it odd that this investment cost so much of his time (he was taking it to the shop every other weekend) and his money (it was an endless money pit). Needless to say, dad's investm...

Ron

FWIW: https://brandongaille.com/18-success-tips-for-starting-running-a-christmas-tree-farm/#:~:text=18%20Success%20Tips%20for%20Starting%20%26%20Running%20a,Have%20a%20Watering%20Plan.%20...%20More%20items...%20 We have more than a few Christmas tree farms in our area and our local newspaper runs an...

Ron

Also interesting as related to taxes are SS taxes/contributions as part of FICA through the working years and how it's related to benefits down the road, many years later. Just for giggles, I took the total $$$ contributed by me, along with my various employers over the years to come up with a numbe...

Ron

To answer the OP's question, the answer is yes for my wife/me. We hold Vanguard Wellesley Income Fund Admiral Shares (VWIAX) which is 15.9% of our total retirement investment balance - 100% of our Roth holdings. It's held within our 60/40 (60% equity/40% bonds-cash) target and is intended for distri...

Ron

Here's a Kohler manual that explains it far better than I can - https://www.kohlerpower.com/home/common/pdf/g11124.pdf Like the Kohler, our Generac (Honeywell) switch is configured in the same way - that is with two built into the switch for handling two (we only use one since we don't have a split...

Ron

20kW Generac, fueled by a 500 gal underground propane tank (no NG in my area). Had it purchased/installed after the back to back storms of 2011 (Halloween nor'easter) and 2012 (Superstorm Sandy) when we lost power for just under a week in both cases. Since that time, the longest outage covered was j...

Ron

So I got an email from social security saying to log in and check my earnings. I logged in and I have $0 earnings for 2020. I assume this is because it just hasn’t updated, but it was odd that they’d say go and check your earnings without updated earnings. Something to worry about or just wait it o...

Ron

I would rather be paid monthly. Cleaner and easier for planning purposes. +1 But I’ve only ever met one person in my life who’s employer did that. It's been the norm for me in professional roles. Only one employer who didn't pay me monthly. Better get used to it for the future. My/wife's SS is paid...

Ron

Pardon my ignorance, but doesn't the $200k have to be repaid with net income (assuming the OP is a wage slave, like most people)? To make the note/mortgage payment, you also should consider of what you actually need in gross pay in order to make the net payment, including a possible FIT of 20-30%, s...

Ron

We had same problem for 2017 Forester, they upgraded some software/firmware that fixed the problem. It's been 18 months and no problem since. Same situation with my wife's 2015 Legacy. Once they upgraded the software, it solved the problem. What the dealer told her (if they/she got the story right)...

Ron

I would like to be able to set that aside to make sure I have money for my final expenses (funeral, etc - currently debt free and hope to remain so). I believe that in many areas, you could buy a burial plot now and also prepay a funeral home for service, prep, casket, etc. I'm going to assume that...

Ron

Lenders want to know your regular, repeated, dependable income to ensure that you can repay their loan. Your liquid investments can disappear tomorrow if you like, so that has less of an impact on their lending decision, and rightly so. Your job could also disappear tomorrow (especially in today's ...

Ron

I don't know how they check but IMO spending from investments is not the same as income. Sure it is. Retirement accounts, including Traditional, Roth and SEP IRAs, will receive a Form 1099-R if a distribution (withdrawal) was made during the year. Regardless if you reinvest/save that withdrawal, it...

Ron

The accepted norm in my organization is about 6 months up to a whole year (federal employees).....so 2 months (the time quoted to me to process my pension application) will seem quick to them. This was the same timeline for me, when I retired over a decade ago. Since I was employed by a global orga...

Ron

Correlation does not imply causation...

- Ron

Ron

Back in the early 70's, we owned/lived in an in-town 3-story all brick double row twin, with no framing other than furring slats that could be used to hold the plaster walls. The home was built in 1906. Our 2-car garage (on the alley which ran along the side of the house) was also double brick with ...

Ron

Nope; I'm a FIDO fox.

I also own no Apple devices nor drive a Toyota...

- Ron...

Ron

Normally, a pour over will fund a trust at the time of death assuming it was drawn up and executed properly. See: https://en.wikipedia.org/wiki/Pour-over_will In our case, we have a revocable trust which currently holds title to our house within it. All other accounts (e.g. investments, bank account...

Ron

My wife has been participating in SS Zumba classes (via Zoom) on a daily basis since her on-site classes have been suspended for the unknown future.

- Ron

Ron

I purchased a Lenovo IdeaPad 5 (15.6") for my parents recently (mid 70s). From Costco. $699 https://www.costco.com/lenovo-ideapad-5-15.6-touchscreen-laptop-10th-gen-intel-core-i7-1065g7-1080p.product.100567300.html Big screen, clear screen, great specs. i7, 12mb, 512 SSD. My mom loves it. A bi...

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