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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 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Adequate alternatives to TurboTax?
Replies: 24
Views: 1233

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
Fri Apr 24, 2015 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanaguard Account Activity Alerts
Replies: 20
Views: 1339

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 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Adequate alternatives to TurboTax?
Replies: 24
Views: 1233

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
Thu Apr 23, 2015 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanaguard Account Activity Alerts
Replies: 20
Views: 1339

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 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife would like employment advice from the Bogleheads
Replies: 31
Views: 2830

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 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Withdrawal order in retirement ?
Replies: 12
Views: 1007

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 22, 2015 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4613

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
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: 2000

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
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: 2000

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
Mon Apr 13, 2015 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD and paying taxes
Replies: 12
Views: 1257

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 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD and paying taxes
Replies: 12
Views: 1257

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 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD and paying taxes
Replies: 12
Views: 1257

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 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD and paying taxes
Replies: 12
Views: 1257

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
Sat Apr 11, 2015 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: It's Official - We're Done
Replies: 38
Views: 8067

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 Apr 01, 2015 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 12187

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
Wed Mar 25, 2015 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report
Replies: 8
Views: 862

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 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report
Replies: 8
Views: 862

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
Tue Mar 24, 2015 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: close credit card?
Replies: 7
Views: 877

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
Thu Mar 19, 2015 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 12187

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
Sun Mar 15, 2015 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 12187

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
Sat Mar 14, 2015 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 12187

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 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 12187

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 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 12187

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 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 12187

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 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 4879

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 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 2975

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 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 12187

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 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 2975

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 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 2975

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 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 12187

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 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Income Tax Return
Replies: 0
Views: 220

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
Mon Mar 09, 2015 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Higher Downpayment a Good Idea?
Replies: 33
Views: 3207

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 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 12187

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
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: 4879

Re: Talking Salary Tomorrow - HELP!

Congratulations on the 9% raise and bonus.

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: 2674

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 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Higher Downpayment a Good Idea?
Replies: 33
Views: 3207

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
by Almost there
Thu Mar 05, 2015 6:41 pm
 
Forum: Personal Consumer Issues
Topic: "Lifestyles Unlimited" <- Anyone know about them?
Replies: 17
Views: 2099

Re: Switching electric companies--your thoughts?

Received my electric and gas bill from PSE&G today for the month of February. I live in a townhouse in southern NJ. Gas is used just for heat. Dryer is electric. Run dryer 3-4 times per week and dishwasher 2 times per week. Electric delivery charges: $0.062445328 kWh Electric Supply charges: Cha...
by Almost there
Wed Mar 04, 2015 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Switching electric companies--your thoughts?
Replies: 16
Views: 1310

Re: Frozen Pipes/No Water In Home

In the past, electric shock always worked (while praying). Keep the pipes insulated especially the ones which have an outside wall. Also, keep the temperature higher in the house. 62 is way to low.

Almost there
by Almost there
Wed Mar 04, 2015 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Frozen Pipes/No Water In Home
Replies: 29
Views: 2757

Re: Is Yahoo Mail working very slowly???

Thank you, Oreamnos, for suggesting Outlook. Live.com has been replaced by outlook.com now. It's actually quite good, in my experience. When I tried to download Outlook, I received the following message: Do you want to set up outlook to connect to an email Account? Yes or No. What does it mean if I ...
by Almost there
Wed Mar 04, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1450

Re: Is Yahoo Mail working very slowly???

Thank you, Parthenon, for your website: http://www.isitdownrightnow.com/mail.yahoo.com.html which was an eye opener. I thought there was something terrible wrong with my computer. Felt somehow better after reading so many peoples' comments on what is wrong with Yahoo. A friend of mine suggested to s...
by Almost there
Wed Mar 04, 2015 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1450

Re: Is Yahoo Mail working very slowly???

Thanks OP for bringing up this problem. I have been experiencing this for the past 6-7 months. I have a new computer since March 2014, using IE and Windows 7. I live in NJ and every afternoon around 4:45 - 6:00 P.M. Yahoo slows down to the speed of dial up. AWFUL. I will check into everyone's sugges...
by Almost there
Tue Mar 03, 2015 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1450

Re: Social Security statements

drawpoker wrote: Here's where I am confused. You wrote "please note this came from the SS Statement...not website" I thought you meant the Statement from the website, that's how you downloaded it. (?) The section, identified as "Statement" that comes directly underneath the photo...
by Almost there
Mon Feb 23, 2015 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3299

Re: Social Security statements

Thank you, drawpoker. However, I was not married at the time of my filing for SS benefits and the article only writes about husband and wife.

Almost there
by Almost there
Mon Feb 23, 2015 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3299

Re: Social Security statements

drawpoker wrote and quoted me: FWIW - When I went to the same page on MyAccount, if you are referring to the part of the page directly underneath the pic of the woman next to the Flag; mine displayed this instead: Estimated benefits: Not applicable (this had a blue underline, which, upon the click, ...
by Almost there
Mon Feb 23, 2015 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3299

Re: Social Security statements

Thank you, drawpoker, for your insights. Will look into it.

Almost there
by Almost there
Mon Feb 23, 2015 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3299

Re: Social Security statements

Celia wrote: If you were Social Security, why would you send out a notice of expected benefits to someone who is actually receiving Social Security? (The receiver would probably think you were crazy and would post on bogleheads: "Why do I receive these useless statements as I am already collect...
by Almost there
Sun Feb 22, 2015 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3299

Re: Social Security statements

Thank you for stating the fact again, mptfan.
Will start inputting the figures into Excel.

Almost there
by Almost there
Sun Feb 22, 2015 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3299

Re: Social Security statements

Thanks, of course, you are correct.
Should have used Excel to figure out my age - LOL.

Ann
by Almost there
Sun Feb 22, 2015 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3299

Re: Social Security statements

mptfan wrote: .... he must used the wage index value in 2008 (the year in which he turned 60) as his base value for indexing purposes I turned 60 in 2010. You are using 2008. Is that because one goes back 2 years? However, the example used 3 years, so that would be 2007. Is that correct? Almost there
by Almost there
Sun Feb 22, 2015 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3299
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