Search found 412 matches

by Almost there
Thu May 28, 2015 11:22 am
Forum: Personal Finance (Not Investing)
Topic: American Express sneakery
Replies: 37
Views: 4853

Re: American Express sneakery

It is confusing to me why the OP pays the bills for AMEX in advance. Like the previous post by Broken Man 1999 states: The technology today provides all kind of help in managing your credit cards. You can set most of them to email for every purchase, remind you when the statement is ready, remind yo...
by Almost there
Wed May 27, 2015 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: American Express sneakery
Replies: 37
Views: 4853

Re: American Express sneakery

I just went online and under the tab: HOME I saw the following 3 columns: Current balance ---- Payment due ---- Reward dollars And amounts added below No problem whatsoever. If you really want to be sure of the amount you owe, after the month closed, go to statements and either look at the first pag...
by Almost there
Thu May 21, 2015 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Stupid COBRA question
Replies: 12
Views: 957

Re: Stupid COBRA question

I was contacted by Ceridian.

Go to their website for more info:
http://www.ceridian-benefits.com.
Phone # 800-877-7994 and they were extremely helpful and nice on the phone.

Almost there
by Almost there
Thu May 21, 2015 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Stupid COBRA question
Replies: 12
Views: 957

Re: Stupid COBRA question

My health insurance via COBRA would have been almost $500.00/month.

I just signed up for the dental insurance which cost $30.00/month.

Almost there
by Almost there
Thu May 21, 2015 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - unexpected competition
Replies: 102
Views: 11200

Re: Selling home - unexpected competition

Good luck OP and let us know how you made out.

Almost there
by Almost there
Wed May 20, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 12539

Re: How much does social security factor into your retirement income?

I had written: I noticed that quite a number of retired people are saving their monthly SS payments and living off their investments. I am planning on living off my SS payments and keeping my investments where they are. Am I missing here something? :confused Grt2bOutdoors wrote: Nope, required minim...
by Almost there
Tue May 19, 2015 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 12539

Re: How much does social security factor into your retirement income?

I noticed that quite a number of retired people are saving their monthly SS payments and living off their investments. I am planning on living off my SS payments and keeping my investments where they are.

Am I missing here something? :confused

Almost there
by Almost there
Mon May 18, 2015 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - unexpected competition
Replies: 102
Views: 11200

Re: Selling home - unexpected competition

5 years ago we were looking to purchase a townhouse in NJ and found quite a few within the same price range. Which one did we choose? The one that cost more money and had all the upgrades (new kitchen, new appliances, new floors) for $20,000 more. We were looking in the $200K to $230K price range. A...
by Almost there
Sun May 17, 2015 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security question about Restricted Application
Replies: 27
Views: 2082

Re: Social Security question about Restricted Application

Was it ever meant to be so complicated?

Almost there
by Almost there
Sun May 17, 2015 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security question about Restricted Application
Replies: 27
Views: 2082

Re: Social Security question about Restricted Application

The Medicare care I received does NOT show my SS #. Instead it indicates my claim # and appended with B6.
I remember reading in the past how people did not like it that their SS # was on their Medicare card.
So I guess the government listened!

Almost there
by Almost there
Sat May 16, 2015 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 12539

Re: How much does social security factor into your retirement income?

100%.
Right now I am receiving 1/2 from my ex until I am 70 and it is not enough to live on.
Also looking for a part-time job to off set taking monthly money from my savings account.

At 70, I will be able to live on Social Security completely and use my retirement funds as needed.

Almost there
by Almost there
Thu Apr 30, 2015 2:05 pm
Forum: Personal Consumer Issues
Topic: Tips on travel to Bermuda?
Replies: 11
Views: 1298

Re: Tips on travel to Bermuda?

Stayed in Bermuda via a cruise ship. Beautiful place, nice people, wonderful beaches and a great bus / ferry system.
Other than being rather expensive it is a great place to go.

Reminder: there are British, so they drive on the left side of the road.

Almost there
by Almost there
Fri Apr 24, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Adequate alternatives to TurboTax?
Replies: 28
Views: 2044

Re: Adequate alternatives to TurboTax?

One addition to my previous statement about using H&R Block. Have used Turbo Tax in the past, but found a number of problems. Then used Tax Act and again there were problems. Have now used H&R Block for the past 5 years and it has been great. No problems and would highly recommend them. My f...
by Almost there
Fri Apr 24, 2015 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Activity Alerts
Replies: 26
Views: 2459

Re: Vanaguard Account Activity Alerts

John94549 wrote:
Yawn. Schwab has done this, like, forever. They are called "trade notifications", and you get them via e-mail.


Vanguard also has offered "trade notifications" to ones email account, however, now one can also receive them via text messages.

Almost there
by Almost there
Thu Apr 23, 2015 5:31 pm
Forum: Personal Consumer Issues
Topic: Adequate alternatives to TurboTax?
Replies: 28
Views: 2044

Re: Adequate alternatives to TurboTax?

Have used Turbo Tax in the past, but found a number of problems.
Then used Tax Act and again there were problems.

Have now used H&R Block for the past 5 years and it has been great. No problems and would highly recommend them.

Almost there
by Almost there
Thu Apr 23, 2015 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Activity Alerts
Replies: 26
Views: 2459

Re: Vanaguard Account Activity Alerts

Just logged into my VG account and was informed that a message was waiting for me. I clicked on it and went to the Alert page: Account activity alerts Get immediate updates on your accounts with text message or email alerts. Check the boxes below to select the alerts you would like to receive. Learn...
by Almost there
Wed Apr 22, 2015 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Wife would like employment advice from the Bogleheads
Replies: 31
Views: 3445

Re: Wife would like employment advice from the Bogleheads

In the past I have moved to a better paying jobs, but it never worked out in the end. Later I just used my gut and it goes like this: If you have to ask someone which job to take, then the new job is not for you. If it were, you wouldn't have to ask, you would know within yourself that the job was t...
by Almost there
Wed Apr 22, 2015 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawal order in retirement ?
Replies: 12
Views: 1144

Re: Withdrawal order in retirement ?

I was just going to ask that question too. Cheese breath wrote: The easy answer is spend the taxable first so the deferred accounts can to continue earning more tax deferred, and the Roths can continue earning more tax free. Then spend the deferred and allow the Roths to continue earning even more t...
by Almost there
Wed Apr 22, 2015 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 5075

Re: Paying for GFs school - any way to help myself?

At one time I was in a similar situation with my partner. We both worked, however, he earned about 3 times more. At one time he asked if I needed money to pay for my education. I said, NO, I want to pay for it myself and that was the end of it. I wanted to graduate without owing anyone any money, wh...
by Almost there
Wed Apr 15, 2015 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Required minimum distribution and year end fund distribution
Replies: 29
Views: 2217

Re: Required minimum distribution and year end fund distribu

jsl11 wrote: Vanguard will withhold taxes any time you make a withdrawal if you want them to. If you turn 70 in 4/18, you are 70.5 in 10/18, so you must take an RMD for 2018. Since that is your first year for RMD, you could wait up until 4/15/19 to take your 2018 RMD. However, you would still need t...
by Almost there
Tue Apr 14, 2015 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Required minimum distribution and year end fund distribution
Replies: 29
Views: 2217

Re: Required minimum distribution and year end fund distribu

Since it seem more favorable to do the RMD beginning of the year, will VG still withhold the taxes for the IRS? I will turn 70 in April 2018. So it would be ok to have the RMD done in January 2019 and then the next one January 2020 etc.? Also if the funds are transferred to i.e. Total Stock VTSAX, w...
by Almost there
Mon Apr 13, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: RMD and paying taxes
Replies: 12
Views: 1352

Re: RMD and paying taxes

Thank you for your input, though some of the answers I didn’t quite understand. Livesoft wrote: Or perhaps you are asking, "Should I have low-growth bond funds in my accounts that in the future will force me to take RMDs?" That might suggest putting all one's bond funds in the traditional ...
by Almost there
Sat Apr 11, 2015 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: RMD and paying taxes
Replies: 12
Views: 1352

RMD and paying taxes

Thank you, Aptenodytes, who wrote: It isn't clear whether you have violated this maxim or not. If your taxable account contains stocks only, you have not violated the maxim. Presently I have besides Total Stock also Long Term Tax Exempt VWLTX and Intermediate Tax Exempt-VWIUX in my taxable account a...
by Almost there
Sat Apr 11, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: RMD and paying taxes
Replies: 12
Views: 1352

Re: RMD and paying taxes

Thank you everyone for your timely advice. However, VG wrote: The most common flaw I see is stock funds in a traditional IRA or 401(k), combined with taxable and/or municipal bonds in a taxable account. Using this approach means paying higher ordinary income taxes on stock gains (at withdrawal in re...
by Almost there
Sat Apr 11, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: RMD and paying taxes
Replies: 12
Views: 1352

RMD and paying taxes

Yesterday I received my weekly email from Vanguard. What was of specific interest to me was the article titled: Many investors could do more to reduce their taxes and I quote part of it: Get that “aha” moment Honestly, the majority of self-managed portfolios I review could use some asset location “r...
by Almost there
Sat Apr 11, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: It's Official - We're Done
Replies: 38
Views: 8436

Re: It's Official - We're Done

Congratulations. Be proud of yourselves that you have taken the initiative to learn about investing instead of handing it over to someone who will charge you dearly.

Almost there
by Almost there
Wed Apr 01, 2015 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 13732

Re: When will / did you claim Social Security benefits?

Thank you, Joebh, for the youtube.com. However, the info was nothing new for Bogleheads.

Almost there
by Almost there
Wed Mar 25, 2015 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report
Replies: 8
Views: 969

Free Credit Report

Thank you everyone for your timely input. I finally looked at my old files and found that I had done credit reports: Equifax; June 2011 Experian: July 20112 Transunion: May 2013 So it wasn't all that bad, however, thanks for the admonishments. :D :oops: Carl262 wrote: http://www.annualcreditreport.c...
by Almost there
Tue Mar 24, 2015 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report
Replies: 8
Views: 969

Free Credit Report

It has been at least 2-3 years since I last requested my free credit report. Now when I went to the 3 major credit reporters, I was surprised to find out that they charge a fee.

Does anyone know where I can still receive a free credit report?

Almost there
by Almost there
Tue Mar 24, 2015 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: close credit card?
Replies: 7
Views: 947

Re: close credit card?

Funny, you are opening an account with BOA while I just decided to close mine. I just put the card in the drawer.
I would look at Citibank for a new credit card.

Almost there
by Almost there
Thu Mar 19, 2015 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 13732

When will / did you claim Social Security benefits?

eyeYield wrote: . . . From my personal experience, I've found that zero percent of the people I've approached (and I approach several people everyday and have signed up 13 people over the past three years for Roths) know what an expense ratio is. If a single percentage point of people, in the genera...
by Almost there
Sun Mar 15, 2015 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 13732

Re: When will / did you claim Social Security benefits?

I went back to my 2009 Social Security statement when in April 2010 I would turn 62. If I had started Social Security that year, it would have taken me 16 years (to age 78) to catch up with choosing to take SS at age 66. However, after age 78, I will be receiving almost double in SS then if I had st...
by Almost there
Sat Mar 14, 2015 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 13732

Re: When will / did you claim Social Security benefits?

One also has to take into consideration that if you decide to draw SS at age 62 and you are still working, money has to be paid back to Uncle Sam (is it $1.00 for every $2.00 you are earning?). And if you are not working, then you are paying for health insurance until age 65 when you can sign up for...
by Almost there
Mon Mar 09, 2015 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 13732

Re: When will / did you claim Social Security benefits?

In the meantime, Wildbeest, I just read in the USA TODAY (February 23, 2015) about a book: Get What's Yours: The Secrets to Maxing out Your Social Security. The authors (Philip Moeller and Paul Solman answer the question: What is the biggest mistake people make with Social Security? People take thei...
by Almost there
Mon Mar 09, 2015 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 13732

Re: When will / did you claim Social Security benefits?

Mickeyd wrote:
I let my account cruise along while collecting 8%


As far as I am concerned, 8% is excellent.

Almost there
by Almost there
Mon Mar 09, 2015 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 13732

Re: When will / did you claim Social Security benefits?

Thank you Wildbeest. My score was 100. Now I just hope that we both have enough money saved.

Almost there
by Almost there
Mon Mar 09, 2015 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 5543

Re: How long did you stay in your starter home?

Thanks, 2 bits, for your insight: Sometimes we consider a move but we like it and the convenient down town neighborhood. I am not looking forward to moving all this stuff. We live in southern NJ and, down the road, thinking about moving to Arizona (about 1 hour South of Phoenix). Now, however, I rea...
by Almost there
Mon Mar 09, 2015 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3103

Re: Divorcee about to reach FRA seeks SS information

Thanks, The Wizard, for your input.

I chose online for the ease and the horror stories I heard about the local office. In hindsight (and I've always been real good at it), I would do it online again. Truly no problem.

Almost there
by Almost there
Mon Mar 09, 2015 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 13732

Re: When will / did you claim Social Security benefits?

The Wizard wrote: Three things could keep me from claiming at 70: 1) sudden death :( 2) significant life shortening illness :( 3) a 50%+ drop in the broad stock market :( So, fingers crossed... I don't think you meant it. You are keeping your fingers corssed that the broad stock market doesn't drop ...
by Almost there
Mon Mar 09, 2015 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3103

Re: Divorcee about to reach FRA seeks SS information

Thank you, The Wizard, who wrote: You file under your own name, yes, but I would do it in a SS office rather than online. You may need evidence of the marriage and divorce to show them; google Divorced Spouse Benefits at the ssa.gov website. Their site CLAIMS you can file for this online and I got m...
by Almost there
Mon Mar 09, 2015 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3103

Re: Divorcee about to reach FRA seeks SS information

You file under your own name and SS #.
So much easier to do it online.

Almost there
by Almost there
Mon Mar 09, 2015 10:56 am
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 13732

Re: When will / did you claim Social Security benefits?

Carl53 wrote: I plan for 70, but will take spousal at 66, FRA, with my spouse taking at 62. This is exactly what I am doing and it is working out just fine for me. I just looked at my first Social Security statement dated 12/27/1999 - (I was 51 years) and it indicated that I would receive the follow...
by Almost there
Mon Mar 09, 2015 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Federal Income Tax Return
Replies: 0
Views: 235

Federal Income Tax Return

Good news.

Used H & R and filed my federal income tax online on 2/28/15. My refund has been deposited into my account today!!

Almost there
by Almost there
Mon Mar 09, 2015 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Higher Downpayment a Good Idea?
Replies: 33
Views: 3482

Re: Higher Downpayment a Good Idea?

Staythecourse wrote: My two cents are you have not given enough information to get the advice you are looking for. I treat a house as a LARGE, illiquid purchase so think the best move (pun intended) is to buy where you can stay in the house as LONG as you need and don't NEED to sell in any circumsta...
by Almost there
Sat Mar 07, 2015 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 13732

Re: When will / did you claim Social Security benefits?

At age 66 and receiving 1/2 based on my ex.
At age 70 will receive Social Security based on my earnings.

Almost there
by Almost there
Sat Mar 07, 2015 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 5543

Re: How long did you stay in your starter home?

Bought a small house in 1975 and sold it in 1978 to buy a larger home. Stayed there for 20 years.

Almost there
by Almost there
Thu Mar 05, 2015 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Talking Salary Tomorrow - HELP!
Replies: 17
Views: 2817

Re: Talking Salary Tomorrow - HELP!

Congratulations on the 9% raise and bonus.

Almost there
by Almost there
Thu Mar 05, 2015 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Higher Downpayment a Good Idea?
Replies: 33
Views: 3482

Re: Higher Downpayment a Good Idea?

We put 40% down, 15 year mortgage and are adding $200/month which goes to paying down principal. This also shortens the life of the mortgage.

Almost there
by Almost there
Thu Mar 05, 2015 6:41 pm
Forum: Personal Consumer Issues
Topic: "Lifestyles Unlimited" <- Anyone know about them?
Replies: 17
Views: 2303

Re: "Lifestyles Unlimited" <- Anyone know about them?

I have never heard about this company, however, I wouldn't pay anyone a dime for info which can be had anywhere else for free.

Almost there

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