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Re: Turbotax 2014: Buyer Beware

Interesting how everyone is blaming TT but no one is mentioning the struggles software developers deal with when developing for Apple (closed standards, etc.) which is likely the root of the issue. Fine, but does anyone know of other company at this time that is having the same issue. Apparently H&...
by AAA
Mon Mar 02, 2015 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 53
Views: 4890

Re: Turbotax 2014: Buyer Beware

I just finished doing my taxes on TurboTax Home Business 2014 for Mac, without any issues. I just saved to PDF without issue using the File menu >> Save to PDF... as well as the File menu >> Print... All forms and worksheets >> Save as PDF, without any problems. I never was asked to log in to Intui...
by AAA
Mon Mar 02, 2015 7:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 53
Views: 4890

Re: Turbotax 2014: Buyer Beware

I suspect that since they are using the same security they have for online applications, that your printing will have the same security as online applications. You are just deliberately choosing to not understand that. You are maybe just deliberately choosing not to acknowledge the now commonplace ...
by AAA
Sun Mar 01, 2015 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 53
Views: 4890

Re: Turbotax 2014: Buyer Beware

This thread against Turbotax is at the rant level with a lot of baseless claims. I think there are two issues here. One is that Intuit is doing something devious by forcing you to send them your return just to print it. Okay, let's dismiss that one. If online filing is safe, then your printing is s...
by AAA
Sun Mar 01, 2015 5:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 53
Views: 4890

Re: Turbotax 2014: Buyer Beware

Bob Meighan, VP of TurboTax, has emphatically stated that no information is stored when you use their print service with your Mac to print forms or save as PDF. I guess even if nothing is intentionally stored, there's always the possibility of hacking or some kind of bug in the system by which your ...
by AAA
Sat Feb 28, 2015 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 53
Views: 4890

Re: Social Security Taxation

Yes, it was just the taxation I was asking about. Thanks for the replies.
by AAA
Sat Feb 28, 2015 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxation
Replies: 4
Views: 632

Social Security Taxation

If you retire mid-year and start social security, is the taxation on your benefits determined by the total income amounts for that calendar year, or just the amounts earned after you started receiving benefits (which could be a bit of a pain to figure out)?
by AAA
Sat Feb 28, 2015 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxation
Replies: 4
Views: 632

Re: Turbotax 2014: Buyer Beware

The Intuit VP has told me that there will not be a fix for Mac printing this year.
by AAA
Sat Feb 28, 2015 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 53
Views: 4890

Re: Turbotax 2014: Buyer Beware

Hey you know what? That's off in paranoia land. Sorry, won't go there. Here is what WSJ says -- "the Mac product requires a special, third-party code library to support offline printing.” And she (someone from Intuit) says, “based on Apple App Store guidelines, we could no longer distribute th...
by AAA
Sat Feb 28, 2015 5:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 53
Views: 4890

Re: Switching tax preparation software

Okay, thanks for that information. I guess that makes sense.
by AAA
Sat Feb 28, 2015 5:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Switching tax preparation software
Replies: 3
Views: 264

Switching tax preparation software

I started working on my taxes using TurboTax but for reasons discussed in another current thread re. printing on a Mac I think I want to switch to the H&R Block program. When it says it can import information from a TurboTax file, does that mean it will import all of the entries I have already m...
by AAA
Sat Feb 28, 2015 4:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Switching tax preparation software
Replies: 3
Views: 264

Re: Turbotax 2014: Buyer Beware

Yes, you can print locally using H&R Block's program on a Mac, although I have not tried to see if it works when I am disconnected from the Internet. It connects to the Internet to look for updates, and of course it connected to the Internet for E-filing. Maybe we are using the term "local...
by AAA
Sat Feb 28, 2015 4:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 53
Views: 4890

Re: Turbotax 2014: Buyer Beware

When you're done with your return with this package, is there the option to see on the screen what the filled out forms look like? If so, you can do a screensnapshot, assuming Macs have that feature, and put it in the Mac-equivalent of Paint, clean each page up a bit and save it and print it on you...
by AAA
Fri Feb 27, 2015 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 53
Views: 4890

Re: Turbotax 2014: Buyer Beware

Intuit VP told me there is no fix available at this time. It doesn't sound very promising, like they are even working on it. Can someone please confirm that they can print locally using H&R Block's program on a Mac? If so, I think I will just switch and give up on Intuit once and for all. I was ...
by AAA
Fri Feb 27, 2015 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 53
Views: 4890

Re: Turbotax 2014: Buyer Beware

Is the printing/PDF issue something new for this year, or has it been going on for a while?
by AAA
Fri Feb 27, 2015 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 53
Views: 4890

Re: Turbotax 2014: Buyer Beware

Thank you for pointing out the printing/saving to PDF issue. I emailed Bob Meighan the VP of TurboTax about it just now. He's the guy that posted responses to some of the negative Amazon reviews for the reduced feature Deluxe version issue. I am on a Mac and if this issue is not fixed soon I will ju...
by AAA
Fri Feb 27, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 53
Views: 4890

Re: Arguments for and against FSBO for house?

My only such experience was selling a small condo almost 30 years ago. There was an interested party but they balked at filling out the form for their financials. I tried to explain that if we go ahead I'd have to take the condo off the market for several weeks and wouldn't want to do that just to f...
by AAA
Mon Feb 23, 2015 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Arguments for and against FSBO for house?
Replies: 14
Views: 1189

Re: Pick-Pockets

Paris, over 30 years ago. A group of kids were with a lady in a Metro station. They surrounded me waving signs in my face. After they moved on I realized that I didn't have my wallet. I thought there was a possibility that I left it in my hotel room but I wasn't going to let these people get away if...
by AAA
Sun Feb 22, 2015 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 5094

Re: Hsa payroll tax

Also, there may be more fees involved if you go it alone vs. using your employer's hsa bank.
by AAA
Sun Feb 22, 2015 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hsa payroll tax
Replies: 7
Views: 643

Re: Experience with Credit File Freezes

LeeMKE wrote:I don't freeze our credit file. But I have a reminder on my calendar, and every 4 months I pull one credit report. Over a year I get a report from each of the 3 credit reporting agencies so I can keep an eye on the accounts.


But that may be 4 months too late. :(
by AAA
Tue Feb 17, 2015 6:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Experience with Credit File Freezes
Replies: 12
Views: 953

Re: One stock

The one that will go up the most. :happy
by AAA
Mon Feb 16, 2015 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: One stock
Replies: 35
Views: 1883

Experience with Credit File Freezes

Several years ago my state passed a law giving consumers the right to freeze their credit bureau files for a period of 7 years. In some states it's permanent. I did that in 2007 so in 2014 I inquired of the bureaus the procedure to renew the freezes. One bureau did it for me on the phone, saying it ...
by AAA
Mon Feb 16, 2015 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with Credit File Freezes
Replies: 12
Views: 953

Re: Rental Car Prices - is this the new normal ?

Sorry if this is redundant but I didn't read all 79 replies on this thread. Just wanted to say that I heard on the radio recently (I think it was Clark Howard) that there has been a lot of consolidation in the car rental business, so a small number of entities own most of the rental companies. That ...
by AAA
Sun Feb 15, 2015 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 7842

Re: TIAA-CREF dramatically increasing Expense Ratios

livesoft wrote:Would you do his job for less money? I'm not talking about pretending to do his job, but really do his job.


I would. I assume I would have a number of highly qualified subordinates to rely on and upon whom to delegate any and all issues that I couldn't handle in a few minutes.
by AAA
Sat Feb 14, 2015 9:31 am
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF dramatically increasing Expense Ratios
Replies: 72
Views: 4836

Re: Should I put a Credit Freeze on my accounts?

We froze ours several years ago. The only downside is not being able to open a CD online which I tried to do to get a better rate at our local bank. They said because of the Patriot Act they had to check credit. It's well worth it for the peace of mind. Really? My credit reports have been frozen fo...
by AAA
Thu Feb 12, 2015 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I put a Credit Freeze on my accounts?
Replies: 32
Views: 2873

Re: What does it mean to buy or sell a stock?

Equities increase in value when there are more buyers than sellers; they decline in value when sellers out number buyers. These statements may confuse the OP. There are always an equal number of buyers and sellers since when one sells a stock someone else is buying it. If at any given time more peo...
by AAA
Tue Feb 10, 2015 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does it mean to buy or sell a stock?
Replies: 26
Views: 1559

Re: Where to put money gifted to infant son?

The money belongs to my son, not us (his parents), so I have no problem with it being his when he turns 18. In my state, the age of majority is 21 not 18. Just wanted to make sure you knew that it is different for different states, and not always 18. Our kids had a UGMA account that we transferred ...
by AAA
Tue Feb 10, 2015 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put money gifted to infant son?
Replies: 14
Views: 1303

Re: Hancock increasing rates on LTC

Several times in the past I looked into LCTI and was never able to pull the trigger due to the uncertainty of costs and stability/viability of companies many years, even decades, into the future. I'm uncomfortable not having the coverage, but also would be uncomfortable paying the significant premiu...
by AAA
Tue Feb 10, 2015 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hancock increasing rates on LTC
Replies: 55
Views: 2986

Re: Should I put a Credit Freeze on my accounts?

I think it is especially important to freeze your credit after reaching 65, since the number on your Medicare card is your SS # plus a letter. Therefore, every time you use Medicare countless people in the doctor's office, hospital, insurance companies etc. know your SS #. By the way, I think this ...
by AAA
Mon Feb 09, 2015 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I put a Credit Freeze on my accounts?
Replies: 32
Views: 2873

Re: iPhone radiation levels

Except that we've been using long-wave communication for over a century...We've had plenty of generations come (and several go), all while being "bathed" in a background of long-wave EM radiation from TV and radio... But not to the extent that it is being used today. Until fairly recently...
by AAA
Mon Feb 09, 2015 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2345

Re: iPhone radiation levels

People evolved on earth, over millions of years, without exposure to the long-wavelength EM radiation that now engulfs us. Of course, society doesn't wait for proof that it is harmless. Instead, it goes ahead full steam waiting for proof that it is dangerous. Such proof could take decades, as for ex...
by AAA
Sun Feb 08, 2015 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2345

Re: This CPA is advocating snail-mail over e-file for taxes

I use TurboTax and have never e-filed for two reasons. Please correct me if I'm wrong. 1. The data resides, for some time at least, on Intuit's computers. I am not comfortable at all with that. 2. I'm not sure that you get to see exactly what it is that is transmitted to the IRS. Do you? You can cre...
by AAA
Sat Feb 07, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: This CPA is advocating snail-mail over e-file for taxes
Replies: 55
Views: 3957

Re: Tuition and Fees Deduction education tax benefit

The only issue that isn't clear for me is how much of qualified expenses the OP actually had. You cannot rely on the 1098-T since a) it may include expenses not allowed under this Deduction and b) it may include expenses billed in 2014 but actually paid in either 2013 or 2015. In my case, we actual...
by AAA
Thu Feb 05, 2015 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tuition and Fees Deduction education tax benefit
Replies: 20
Views: 1503

Re: Private Car Sale - Risks ?

Just read somewhere that a number of police departments are allowing people to meet in their station houses in order to transact CL-type sales.
by AAA
Thu Feb 05, 2015 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Private Car Sale - Risks ?
Replies: 35
Views: 1833

Re: Tuition and Fees Deduction education tax benefit

fundseeker wrote:You keep referring to a deduction. You are not going to overlook the AOC for tuition, etc., are you (if you qualify)?


Thanks, but used that one up already (four years).
by AAA
Thu Feb 05, 2015 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tuition and Fees Deduction education tax benefit
Replies: 20
Views: 1503

Re: Tuition and Fees Deduction education tax benefit

kaneohe wrote:Room and board may be QHEE for 529 plan withdrawals but I am not sure it qualifies as QHEE for the tuition and fees deduction:


Okay, but at least that's one detail I don't have to concern myself with as there was enough tuition paid to reach the $4,000 deduction limit.
by AAA
Wed Feb 04, 2015 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tuition and Fees Deduction education tax benefit
Replies: 20
Views: 1503

Re: Approaching 50...What to expect?

I find the problem with eating healthy is it is very similar to the investing world. I watched three documentaries this month alone on eating healthy and they all contradicted each other and many of them had their own PHDs that backed their data. Knives over Forks recomended a plant based diet, The...
by AAA
Wed Feb 04, 2015 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 9955

Re: Tuition and Fees Deduction education tax benefit

So basically we can deduct QHEE (including room and board if applicable) minus the $4,500 in 529 earnings in my example. Of course the maximum deduction is $4,000, subject to income level.

Thanks.
by AAA
Wed Feb 04, 2015 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tuition and Fees Deduction education tax benefit
Replies: 20
Views: 1503

Tuition and Fees Deduction education tax benefit

Please help me understand this deduction as it is the only one we are currently eligible for. In IRS Pub 970, there is a No Double Benefit Allowed section that states in part that you cannot: Deduct qualified education expenses that have been used to figure the tax-free portion of a distribution fro...
by AAA
Wed Feb 04, 2015 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Tuition and Fees Deduction education tax benefit
Replies: 20
Views: 1503

Re: Approaching 50...What to expect?

Forty is the old age of youth; fifty the youth of old age.

Victor Hugo
by AAA
Tue Feb 03, 2015 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 9955

Re: How to report for Tax, Student computer purchase from 52

In my experience, the 1098-T has been the most useless IRS reporting form ever conceived. I have never received a 1098-T which accurately represented qualified expenses. The IRS does not use the 1098-T in determining your qualified expenses. It says right on the 1098-T instructions that it is merel...
by AAA
Mon Feb 02, 2015 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to report for Tax, Student computer purchase from 529
Replies: 22
Views: 860

Re: tipping by iPad

I read in the WSJ yesterday that a tall Americano coffee from Starbucks uses exactly 3 cents worth of coffee beans in it, the selling price is $2.95 - just look at the markup on that. Well, the store has to maintain the equipment for making the coffee, has to pay utilities for using the equipment, ...
by AAA
Sun Feb 01, 2015 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: tipping by iPad
Replies: 40
Views: 2916

Re: Trusting and shopping around for doctors

Are you trusting of all doctors or are you skeptical? At what point financially do you think it makes sense to get a second opinion? The undue influence of pharmaceutical companies - both in the education of doctors and in the setting of guidelines for treatment - has led me to lose trust in our he...
by AAA
Sat Jan 31, 2015 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Trusting and shopping around for doctors
Replies: 32
Views: 2160

Re: Retirement account limits

If your employer gave you a W-2 that was erroneous in some other way and refused to correct it, you wouldn't blindly follow it (and expect the IRS to side with you), would you? Well, I figured that the IRS might use the status of that box in some cross-checking to determine the eligibility of a ded...
by AAA
Thu Jan 29, 2015 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement account limits
Replies: 8
Views: 842

Re: Retirement account limits

Your spouse can contribute to Traditional or Roth IRA even without compensation as long as you file joint tax return. That's another $5500/yr. There are some complications to this. From the Charles Schwab web site: A Traditional IRA contribution is fully deductible if your income is under a certain...
by AAA
Thu Jan 29, 2015 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement account limits
Replies: 8
Views: 842

Re: Best Online Savings bank

Why does a bank do a credit check when you're giving money to them? Just had my credit reports frozen. That's a good question. I had a CD account at Ally and wanted to move the money to their savings account when it matured. Even though I already was their customer, they considered the savings acco...
by AAA
Wed Jan 28, 2015 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 50
Views: 7839

Re: Advice on Brokerage CDs?

I frequently bought CD's through Vanguard Brokerage and found the rates comparable to what was available on the outside, but for the last few years the rates there haven't been as good so I haven't used it much. Instead, I transferred money to a couple of bank savings accounts paying almost 1%. On t...
by AAA
Sat Jan 24, 2015 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on Brokerage CDs?
Replies: 25
Views: 997

Re: How much umbrella insurance do I need?

It's usually not prohibitive in cost to up the insurance limit. So I say do whatever you feel comfortable doing.

Re. having enough to cover your assets - couldn't someone be sued for more than their assets? Maybe in practice it's not done often, but it's possible, no?
by AAA
Sat Jan 24, 2015 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much umbrella insurance do I need?
Replies: 19
Views: 2149

Re: What counts as "saving"?

My opinion is that investing would be stocks, bonds, etc., in any type of account, whereas saving would be CD's, money market accounts, bank saving accounts, etc., in any type of account. The differentiation has to do with the amount of risk.
by AAA
Mon Jan 19, 2015 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: What counts as "saving"?
Replies: 128
Views: 6883

Re: A quick poll--pension annuity vs. lump sum

We're not given a choice. I think I might prefer a lump sum, provided someone more knowledgable than me indicated that it was a good number.
by AAA
Fri Jan 16, 2015 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: A quick poll--pension annuity vs. lump sum
Replies: 62
Views: 3845
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