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Question about e-filing

I've never done it, much preferring to have in hand exactly what is sent to the IRS, but with some recent angst about mail delivery I might consider it in the future. I use TurboTax and was wondering if you get an opportunity to see what is actually submitted. Won't it be in some non-readable format...
by AAA
Sat Mar 29, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about e-filing
Replies: 3
Views: 334

Re: water heater purchase from Amazon

I agree. I like Amazon for many things but not something like this. In fact, I'd let the plumber get it for me even with a markup. The reason - if there's a problem, he's responsible for exchanging it and he'll come back with another one.
by AAA
Sat Mar 29, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: water heater purchase from Amazon
Replies: 12
Views: 1218

Re: Where do you buy organic nuts

I don't think it is necessary to buy fruits, vegetables, nuts, and so on, grown organically if these foods have a skin, peel, rind, and so on, that I am not going to eat. Bananas, melons, and kiwi come to mind. If I do intend to eat these coverings (berries, apples, and the like), I do buy organic....
by AAA
Wed Mar 26, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy organic nuts
Replies: 11
Views: 565

Re: Risk in Mailing Check

It is even easier than that. With the information on the check, a completely new check can be printed out on any printer or ordered if the thief is very low check and written out very neatly or even typed. It has never happened to me but I have not mailed a check in many years now. That's true. I'v...
by AAA
Sat Mar 08, 2014 7:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Risk in Mailing Check
Replies: 18
Views: 1601

Re: Any Subaru owners out there?

One thing I read about Subaru's all-wheel drive - all four tire circumferences must be similar within a certain spec. So if you have, say, 15,000 miles on the tires and one gets damaged, you may have to replace all four. That's about the only downside I've heard about Subarus and am planning to get ...
by AAA
Fri Mar 07, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 4034

Re: Risk in Mailing Check

[quote="CABob"]The check could be "washed" removing the Payee and amount replaced by othr names and numbers then cashed./quote]

Don't they recommend using a gel pen to avoid this possibility?
by AAA
Fri Mar 07, 2014 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Risk in Mailing Check
Replies: 18
Views: 1601

Re: Trusting My Auto Mechanic

Do you know:

o when they were last replaced and what the mileage was?

o what is the average milage interval that you have replaced them in the past?

That might give you an indication if they are close to needing replacement at this time.
by AAA
Thu Mar 06, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Trusting My Auto Mechanic
Replies: 14
Views: 1264

Re: Buying from Amazon vs direct seller price/shipping time?

I think Amazon uses generic shipping date calculations and your purchase could come sooner.
by AAA
Wed Mar 05, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Buying from Amazon vs direct seller price/shipping time?
Replies: 8
Views: 674

Re: Total Bond Mkt Index vs. Short-Term Investment Grade Bon

livesoft wrote:Other than that, you are really asking folks to predict the future. One can safely assume that the current yields for those durations already have built-in everyone's guess at the future.


Can you explain what those current yields imply about everyone's guess at the future?
by AAA
Mon Mar 03, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Mkt Index vs. Short-Term Investment Grade Bond
Replies: 6
Views: 515

Total Bond Mkt Index vs. Short-Term Investment Grade Bond

I currently have some Total Bond in a Roth account and was surprised to notice that its current yield is just 2.23% with an average duration of 5.4 years. As for S-T Inv. Grade, it's yielding 1.49% with duration of 2.3 years. I realize these two funds invest in different things, but my question real...
by AAA
Mon Mar 03, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Mkt Index vs. Short-Term Investment Grade Bond
Replies: 6
Views: 515

Re: TurboTax handling of 1099-MISC

It was showing up on line 21 of form 1040.
by AAA
Mon Feb 24, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax handling of 1099-MISC
Replies: 6
Views: 556

Re: TurboTax handling of 1099-MISC

Only Box 3 (Other Income) is filled in the 1099-MISC. By "most appropriate box" I meant - TT asks why you received this form and I checked "I received this money for something not related to my regular line of work." Their Explain This window gave as an example a math teacher who...
by AAA
Mon Feb 24, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax handling of 1099-MISC
Replies: 6
Views: 556

TurboTax handling of 1099-MISC

In doing the federal return for one of my children, I entered information for a 1099-MISC from an organization that told me it was considered earned, taxable income. I so indicated to TurboTax (TT) by checking the box that seemed most appropriate to describe the income. When all done, I noticed that...
by AAA
Sun Feb 23, 2014 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax handling of 1099-MISC
Replies: 6
Views: 556

Re: Estimated Tax Payments

I usually skip the section where TT asks about figuring estimated tax. You can do that if it seems unreasonable.
by AAA
Sun Feb 23, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Payments
Replies: 33
Views: 1605

Re: Data security (removing old TaxAct files)

Google secure delete. The answer will depend on the operating system you are using. I wish people in this forum would not reply to posts with just a suggestion to Google it. Did you google it? I did before I posted so I knew that there were going to be good answers. I guess I could have copied and ...
by AAA
Thu Feb 20, 2014 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Data security (removing old TaxAct files)
Replies: 12
Views: 590

Re: Data security (removing old TaxAct files)

Google secure delete. The answer will depend on the operating system you are using. I wish people in this forum would not reply to posts with just a suggestion to Google it. First, the person asking the question may not be adept at understanding the technicalities of what he may find with Google, o...
by AAA
Thu Feb 20, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Data security (removing old TaxAct files)
Replies: 12
Views: 590

Re: It it a good investment to repair a leaking faucet?

LOL. I've done very basic kinds of plumbing things like replacing washers and valve seats in faucets. A couple of years ago I contacted Moen about my dripping kitchen faucet and they sent me the replacement cartridge. I watched the online videos several times and read the instruction sheet several t...
by AAA
Wed Feb 19, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: It it a good investment to repair a leaking faucet?
Replies: 9
Views: 807

Re: Son's I bond redeemed and received 1099 INT

chaz wrote:Also look at IRS Pub 17.


Directing someone who may not be very experienced with tax issues to a 288 page IRS document can't be all that helpful.
by AAA
Sun Feb 16, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Son's I bond redeemed and received 1099 INT
Replies: 13
Views: 977

Re: Buenos Aires and Macchu Picchu?

Took a trip to Peru when I was about 31 years old and in pretty good shape. After landing in Cuzco, I rested a couple of hours to acclimate to the high altitude but it wasn't enough. On the tour around the city I had to lay down in a store as I got a little dizzy. Add to that the intestinal upset I ...
by AAA
Fri Feb 14, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Buenos Aires and Macchu Picchu?
Replies: 16
Views: 1290

Re: Marginal tax rate: statutory 15%, effective 30%

I posted something similar last March after doing my 2013 taxes. Adding $100 to my W-2 raised my taxes almost $50, even though the tables only go up to a 35% marginal rate.

http://www.bogleheads.org/forum/viewtopic.php?f=2&t=112077
by AAA
Sat Feb 08, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marginal tax rate: statutory 15%, effective 30%
Replies: 100
Views: 6845

Re: How to security freeze your credit?

Note for PA residents - PA law provided for credit bureau freezes for a period of 7 years. In some states they are permanent. Last year, I contacted my state representative because the credit bureau I spoke with told me the freeze was permanent despite what the law says and I wanted some clarificati...
by AAA
Sun Jan 26, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to security freeze your credit?
Replies: 22
Views: 1089

Re: Anyone familiar with this? Bank asking for info...

I inherited an account at one of the large brokerage firms and they periodically send me a form, implying that it is required, that includes questions about my income and savings. I have so far totally ignored it. Vanguard has never asked me for such information, so I doubt that there is any legal r...
by AAA
Fri Jan 17, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 6474

Re: Roth 401(K) Questions

Thank you for that information. Now I have some decisions to make.
by AAA
Mon Jan 13, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth 401(K) Questions
Replies: 2
Views: 408

Roth 401(K) Questions

My company is offering a Roth 401(K) option this year and I have a couple of questions to help me decide what to do, in light of my probable retirement within a year: 1. The information provided says that tax-free qualified withdrawals are available after age 59 1/2 if at least five years have elaps...
by AAA
Mon Jan 13, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth 401(K) Questions
Replies: 2
Views: 408

Re: Updated opinions about Ally Bank?

Ally got under my skin recently, so I suppose I'll be the negative one here. They danced around for two weeks just trying to open a money market savings account. The reasons were: Same experience here. I already had a savings account with them and wanted to start a CD. I went through the process wi...
by AAA
Mon Jan 06, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Updated opinions about Ally Bank?
Replies: 61
Views: 6128

Re: Vanguard grabbed $1 of every $4 put into funds in 2013

Ha - when I read the title of your post, my first interpretation was that you were implying Vanguard was charging a 25% expense ratio.
by AAA
Fri Jan 03, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard grabbed $1 of every $4 put into funds in 2013
Replies: 6
Views: 1671

Re: Car waxing discounts at the car wash - worth it?

My understanding is that car wax is strictly for appearance, not protection.
by AAA
Tue Dec 31, 2013 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Car waxing discounts at the car wash - worth it?
Replies: 13
Views: 984

Re: AAA worth it? I have Allstate

VictoriaF wrote:May be they are calling you because your name is AAA?


LOL. I didn't even think about that ! My name here refers to bond ratings, not roadside assistance.
by AAA
Mon Dec 23, 2013 4:20 pm
 
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 34
Views: 1937

Re: AAA worth it? I have Allstate

We had AAA for many years but switched to the roadside assistance program offered by AARP when adding our children to AAA seemed too expensive. AAA was very aggressive about getting me back as a customer. I can't tell you how many phone calls we got with caller i.d. "AAA Retention." I kept...
by AAA
Sun Dec 22, 2013 7:31 pm
 
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 34
Views: 1937

Re: Recording Account details for heirs/spouse

Periodically I will log onto my Vanguard account and go to the page with my holdings. I then "print" this as a pdf and store it on an external drive (actually two drives for redundancy). I do this for other institutions also, basically getting a snapshot of holdings at that particular time...
by AAA
Mon Dec 16, 2013 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recording Account details for heirs/spouse
Replies: 11
Views: 1045

Re: Buying ahead of dividend?

In other words you buy a share at $11 before the dividend and it pays a $1 dividend you now have a share worth $10, a $1 dividend and a tax liability for the divdend. If you take that same $11 and buy after the dividend you get 1.1 shares at $10 a share and no tax liability. This is my guess at wha...
by AAA
Sat Dec 14, 2013 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying ahead of dividend?
Replies: 5
Views: 484

Re: Medicare Enrollment

mur44: Thank you !!!
by AAA
Tue Dec 10, 2013 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment
Replies: 13
Views: 863

Re: Medicare Enrollment

This is getting a bit frustrating as people are not reading what I wrote in my original post. I am talking about Part A, not Part B. I am not currently getting Soc. Sec. so there is nothing to "forfeit" by decling Part A. The purpose of my post is to ask how to go about declining Part A - ...
by AAA
Tue Dec 10, 2013 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment
Replies: 13
Views: 863

Re: Medicare Enrollment

While you are employed and have Employee Health Insurance from your employer, you do NOT need to enroll in Medicare provided your employer has more than 20 employees. Thanks for the clarification, but I still want to be perfectly clear on this as per my original post - do I just do nothing or do I ...
by AAA
Tue Dec 10, 2013 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment
Replies: 13
Views: 863

Re: Medicare Enrollment

The second question on this page is relevant to your question. http://www.foxbusiness.com/personal-finance/2013/11/07/medicare-rules-for-those-still-working/ Yes, that confirms that I don't have to enroll. But just to make sure of the process, do I have to inform Soc. Sec. or Medicare that I am opt...
by AAA
Fri Dec 06, 2013 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment
Replies: 13
Views: 863

Medicare Enrollment

I will be turning 65 early next year but am still expecting to be working, with employer-provided health coverage. I have not started Social Security yet. I initially was told by my (outsourced and not always helpful) HR to enroll in Part A, but not B, C, or D, since Part A is free. Then I discovere...
by AAA
Thu Dec 05, 2013 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment
Replies: 13
Views: 863

Re: Company didn't send us agreed upon refund, what now?

My limited experience with these types of things is that a lawyer's letter doesn't carry much weight - Landlord refused to return my mother's security deposit when she moved out, ignoring my emails and calls. She had a legal benefit through her job so they wrote a letter. It was ignored. They wrote ...
by AAA
Mon Nov 18, 2013 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Company didn't send us agreed upon refund, what now?
Replies: 14
Views: 1534

Re: Considering prepaid college plan

That sounds better than PA's plan which says it is "guaranteed" but there is no legislative guarantee.
by AAA
Fri Nov 15, 2013 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering prepaid college plan
Replies: 6
Views: 518

Re: Attempted Hack on my Vanguard Accounts

I believe you can configure your account to only allow signon from a particular computer. Under Account Maintenance > Security > Computer access restrictions Then pick "Restrict unrecognized computers from accessing my accounts." and save. I routinely clear the cache and history from my b...
by AAA
Tue Oct 22, 2013 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Attempted Hack on my Vanguard Accounts
Replies: 33
Views: 5374

Re: place for fine photo printing

I like Nation's Photo Lab and Bay Photo, both do very high quality prints. If you don't know how to do color correction and it's a high value print pay the extra for the color correction. Re. "color correction," to my knowledge this is usually a process where a technician looks at your ph...
by AAA
Thu Oct 17, 2013 7:38 pm
 
Forum: Personal Consumer Issues
Topic: place for fine photo printing
Replies: 18
Views: 1388

Re: place for fine photo printing

Agree about WHCC. I am not a professional but was able to get an account with them - they are not that strict about letting you register as are some other sites. Free shipping if you spend a minimum amount, something like $12 or so. I've used Mpix also. If you are serious about printing, you should ...
by AAA
Wed Oct 16, 2013 8:33 pm
 
Forum: Personal Consumer Issues
Topic: place for fine photo printing
Replies: 18
Views: 1388

Re: [Tax credit] Question about Affordable Care Act Website

ladygeek: Thank you for trying to keep this thread on track, but my original post was mainly concerned with how much personal information one needs to enter if one knows in advance that they will not qualify for a tax credit. It was not a question about the tax credit itself.
by AAA
Thu Oct 10, 2013 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Personal info] Question about Affordable Care Act Website
Replies: 33
Views: 1842

[Personal info] Question about Affordable Care Act Website

An article in today's paper outlined the process for signing up for coverage under the ACA. Apparently. you have to enter some confidential information (social security #, income, etc.) so they can determine if you qualify for a tax credit. A question for anyone who has been through the process: If ...
by AAA
Mon Oct 07, 2013 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Personal info] Question about Affordable Care Act Website
Replies: 33
Views: 1842

Re: Keep My Well Employed Kid On My Health Insurance?

I'd suggest checking your wife's plan. In my case, my plan stipulates the conditions under which an adult child must accept their employer's insurance, in which case that becomes the primary and my employer's becomes the secondary policy.
by AAA
Thu Sep 19, 2013 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keep My Well Employed Kid On My Health Insurance?
Replies: 32
Views: 1881

Re: Brokered CD's

"fdic does not guarantee premium"

Can someone please explain what this means?

Thanks.
by AAA
Fri Sep 13, 2013 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brokered CD's
Replies: 24
Views: 1201

Re: Opening ALLY or GE Capital CD with no Drivers License

I recently wanted to apply for an Ally money market account. I called them up as I already have a savings account there. The person walked me through the application process then said there was an issue and I would be contacted. Turns out the problem was due to their doing a credit bureau check and ...
by AAA
Sun Sep 08, 2013 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opening ALLY or GE Capital CD with no Drivers License
Replies: 6
Views: 825

Re: MacBook Air with external monitor?

I have my 13" MacBook hooked up to a nice, big external monitor most of the time. I use an external keyboard and mouse too. Basically, I treat it like a glorified Mac Mini when it's at home. :D Works great. I'd imagine that the Air would work similarly well in the same situation. You'll probab...
by AAA
Mon Aug 12, 2013 6:08 pm
 
Forum: Personal Consumer Issues
Topic: MacBook Air with external monitor?
Replies: 8
Views: 1347

Re: Frugal vs. do it yourself

Here is my take on this question. If the job is large and complicated, then no question to have the pro do it. If small and uncomplicated, then the pro will do it quickly so it won't cost that much. Of course, a lot depends on your stage of life. Earlier on I may have attempted more things. Funny st...
by AAA
Mon Aug 12, 2013 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Frugal vs. do it yourself
Replies: 41
Views: 3645

Re: Audi A4 versus Volvo S60 Sedan

Re. the discussion about Volvo - what has been the impact of the sale to a Chinese company, if any, on Volvo quality and especially safety?
by AAA
Sun Jul 28, 2013 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Audi A4 versus Volvo S60 Sedan
Replies: 25
Views: 2671

Re: Setup LLC to control/protect personal information

If you did all that, wouldn't you then have to worry about the LLC's information being compromised, which would still affect you?

And by the way, don't some entities not allow use of a PO Box when setting up accounts?
by AAA
Wed Jul 10, 2013 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Setup LLC to control/protect personal information
Replies: 12
Views: 1059
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