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  1. BOBOT

    Alpha-gal

    Had a recent tick bite looked at for possible Lyme disease. The doc had a bunch of blood tests done including for Alpha-gal Syndrome (AGS); result was a high positive. So no mammalian meat or dairy for me, at least for a while. I'll be seeing an allergist for further evaluation, but for now I'm...
  2. BOBOT

    VG Tax docs?

    We elected to get all communications/statements electronically EXCEPT our tax documents. Have gotten them every year by mail as well as loading directly into tax software. This year only one (inherited) IRA was sent by mail, our other account docs have not. Anyone else having a problem?
  3. BOBOT

    Munis in taxable account

    As a result of recent rebalancing and tax-loss harvesting we have considerable funds in a money mkt fund in our joint taxable account. Our AA across all accounts is where we want it. The money mkt fund at the moment is yielding over 5%, all taxable of course. Wondering if it would make sense to...
  4. BOBOT

    Fund Correlation Calculator/Optimizer?

    Don't know if there is such a thing or where to find it. Our holdings, mostly VG funds & ETFs, are in multiple deferred accounts and a couple taxable, and over the years we (I) have "diversified" into a lot of different holdings. I suspect there is a fair amount of overlap, and would like to...
  5. BOBOT

    Inherited IRA - the latest?

    DW has an inherited tIRA from her mother, who died in late 2020 at 87yo. No distributions have been taken to date, on the understanding that the only requirement was to distribute the entire account by the end of the 10th yr after her mother passed. Now we're reading that a recent rule...
  6. BOBOT

    Planning tool for inherited IRA?

    DW has an inherited IRA, & we're trying to figure how to comply with and implement the 10 year rule for liquidating it. Many unknowns, of course, including future returns, tax rates, etc., others we haven't thought of. A spreadsheet sort of analysis tool would help; any out there? Thanks.
  7. BOBOT

    RMD Suspension question

    So I took a small part of my 2020 RMD in February and had 10% withheld for Fed. tax. The rest I put into our taxable account. Now with the CARES act I understand that I may roll the money back into the IRA as long as I do it by July 15. My question is this: if I decide to do this - I haven't...
  8. BOBOT

    Streaming TV and DVR?

    We're looking into escaping from the ridiculous satellite service we have & just using one or more of the streaming services, along with our local OTA stations. Just waiting for the new fiber-optic service that's being installed in our area (currently only have slow DSL). What I'm wondering...
  9. BOBOT

    Rental car keys

    Why does a car rental co. give you 2 sets of keys but attach them together with an non-detachable cable? If you were to lose 1 set you'd lose them both, and of course if you lock yourself out the 2nd set is useless.:facepalm: Wouldn't it make sense to have the 2nd set in a safe place, like DW's...
  10. BOBOT

    OTR convection/microwave problem

    We have a Kenmore otr unit that is less than 3 yrs old. Recently we were using the convection oven mode when we noticed an odor that we guessed was either burning plastic or electrical or both. After determining that we were in no immediate fire danger we started the unit again, but it produced...
  11. BOBOT

    Chromebook?

    I'm looking into getting a Chromebook, but have some questions. Do Windows apps run on the Chrome OS? With the only I/O being USB ports, how can I install a Windows app I already have installed on my old laptop, if, for example, I only have the original CD/DVD installation disk? The wi-fi...
  12. BOBOT

    Pork belly

    Just bought a hunk without a definite plan for using it. I suppose I could just smoke it & cut into bacon strips, but how do you like to use it (if you do).
  13. BOBOT

    RMD's & QCD's

    I'll be subject to RMD's from my IRA in a few months. We don't need the income so are thinking of using it-or some of it-for our charitable giving, thereby lessening the tax hit. The funds are with Vanguard, and I know they will handle it per our instructions, but can't find a source for info on...
  14. BOBOT

    Does a 5 yr cd ladder make sense....

    ....in a rising rate environment? We have a ladder in place now (all at Ally, may change), with one of the cd's scheduled to roll over next month (to a 5 yr term). With some of the shorter term rates I'm seeing, and with rates surely on the rise for the rest of the year, I wonder if it would...
  15. BOBOT

    What the heck ARE these?

    I've seen several trucks hauling these things. These have their vertical parts wrapped, but others have been bare metal. I'm guessing they have something to do with energy generation/distribution, or maybe some kind of wave generation, but they remind me of the machines in the original...
  16. BOBOT

    Need a good tax calculator

    Our tax situation is about to change significantly, as I start SS this year, DW starts hers next year, and I have to start taking RMDs next year. And we still have our (small) pensions and the usual investment income. I can't find a calculator/estimator that essentially mimics a Form 1040...
  17. BOBOT

    New shingles vaccine - Shingrix

    This new vaccine is said to be more effective and longer-lasting than the previous one (Zostavax). It's becoming widely available and is covered by many insurance plans. It's pricier, but it's worth it to me to avoid shingles! I got a script for it today, but haven't gotten it yet (it requires...
  18. BOBOT

    Bucket List Splurge--Anyone done this?

    Until recently I didn't know this was available to mere mortals; now I'm really tempted to go for a zero gravity experience. Anybody tried it?
  19. BOBOT

    Password Managers

    I've been using Lastpass for years, and it's been great until recently. I use Firefox browser in Private mode, and the Lastpass add-on is barely usable; from user forums I've learned that this is a common problem, and LP is not being responsive. So what password managers are people using? I'm...
  20. BOBOT

    Why ETFs?

    I have a couple of etfs because I wanted targeted index exposure to specific areas of the globe & couldn't find it in the mutual fund offerings - at least not at VG. Other than that sort of consideration I don't understand the attraction of index etf's compared to their mf counterparts. If a...
  21. BOBOT

    SS a little "early"

    Haven't been able to find a definitive answer to this: I turn 70 in July of 2018, and have been holding out until then to claim SS. But if I claim, say, in January, how much of a hit will I take? The ss calculator tells me the answer for different yearly ages, but not for months, e.g. 69 yrs...
  22. BOBOT

    What caused this??

    MIL sent this photo of her sliding glass door onto the deck. She has no idea what happened; discovered it in the morning after rising. I first thought it might be a stray bullet--she lives in a sort of rural part of CO. But she says the cracking is on the inside pane of the double-glazed...
  23. BOBOT

    SpaceX

    They successfully launched their Falcon 9 rocket carrying 10 Iridium comm. satellites, returned the booster to a soft landing on a barge at sea, and deployed all 10 sats where they needed to be. We watched the whole thing on their webcast. So very cool. You can probably find it on spacex.com, or...
  24. BOBOT

    iTunes help

    I'm not an Apple user except for iTunes and my iPod Touch, and find using it is anything but intuitive. I wanted to add a playlist to the iPod, so plugged it into my laptop and started iTunes. Got a message saying a new version was available, so I installed it. Now I find that the music library...
  25. BOBOT

    Poll: International allocation

    Edit: Hmm, I apparently know how to create a poll! Help? Curious to know what percentage of their stock & stock fund portfolios folks are allocating to international. For those invested in "global" funds please indicate the fund's allocation.
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