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Re: Turbotax 2014: Buyer Beware

... scan all generated forms for my userId : login under the assumption that if it were imported erroneously, that it could have been entered in other places erroneously as well. Not sure what you mean by this? Save it as a pdf, then open the pdf and search for your login and userID. If they were p...
by Bustoff
Thu Mar 05, 2015 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 65
Views: 6093

Re: Turbotax 2014: Buyer Beware

in_reality wrote:... scan all generated forms for my userId : login under the assumption that if it were imported erroneously, that it could have been entered in other places erroneously as well.


Not sure what you mean by this?
by Bustoff
Thu Mar 05, 2015 7:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 65
Views: 6093

Re: Wife tired of saving...

Wife and I have had the same mindset since we meet and got married. Fast Forward 16 years and a net worth of 1.9m, she is tired of saving and not doing much with the money. We have 2 kids (9 and 2) and live in a townhome but now she wants to move to a larger home. The townhome is enough but every s...
by Bustoff
Thu Mar 05, 2015 7:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 111
Views: 6833

Re: Turbotax 2014: Buyer Beware

Speaking of security, or lack there of, check out this little gem. TurboTax imported my Login-ID's along with the 1099 information. Yep, that's correct. I started my taxes yesterday and used the import feature. The very first import comes through with my Ally "Login-ID" printed right next ...
by Bustoff
Thu Mar 05, 2015 6:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 65
Views: 6093

Re: TurboTax import displays my institution login/usernames

I would assume TurboTax is showing the username that you used to log-in/import so that if you have multiple accounts, e.g., taxpayer and spouse, from the same institution, you can easily differentiate the two and delete one if necessary. Similarly, some of our imported documents show the SSN, e.g.,...
by Bustoff
Wed Mar 04, 2015 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax import displays my institution login/usernames
Replies: 2
Views: 222

TurboTax import displays my institution login/usernames

This is strange. I just used the import feature on TurboTax. To my surprise it also imported my "login id" for that financial institution. Ally bank was my first import. Right next to the entry for Ally Financial is my login id for Ally. I quickly deleted the import thinking I did somethin...
by Bustoff
Wed Mar 04, 2015 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax import displays my institution login/usernames
Replies: 2
Views: 222

Re: 2013 HSA contribution made in 2014 then distributed.

The employer contributions (which include your payroll deductions) are not additionally deductible, they are already reflected in your W-2 Box 1. Thanks. But W-2's are not applicable in my case because I have been retired since we opened the HSA in 2011. I thought the timing of the distribution did...
by Bustoff
Tue Mar 03, 2015 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 HSA distribution for 2013 expenses. How enter in TurboT
Replies: 3
Views: 209

2014 HSA distribution for 2013 expenses. How enter in TurboT

In March 2014, I contributed to my HSA to cover 2013 medical expenses and took that deduction in 2013 . I later reimbursed myself by withdrawing same amount from the HSA. I'm retired so there is no employee contribution issue. However, because I withdrew the money in 2014, I now have a Form1099-SA f...
by Bustoff
Tue Mar 03, 2015 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 HSA distribution for 2013 expenses. How enter in TurboT
Replies: 3
Views: 209

Re: Buying a home without a realtor

You might consider calling the local office of a reputable Title company and investigate the extent of their services.
If your financing, the bank will require a survey, appraisal, etc.
by Bustoff
Tue Mar 03, 2015 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a home without a realtor
Replies: 21
Views: 1389

Re: VEU 3.52% vs. 5 year Treasury 1.58%

...you will probably do better w/ VEU than bonds. Growth of $10,000 since 3/2/2007 thru 3/2/2015: Vanguard FTSE All-World ex-US Index Inv VFWIX: $11,793.85 --Risk potential https://personal.vanguard.com/web/images/smallrisk5.gif Vanguard Total Bond Market Index Inv VBMFX: ... $14,508.06 --Risk pote...
by Bustoff
Tue Mar 03, 2015 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: VEU 3.52% vs. 5 year Treasury 1.58%
Replies: 29
Views: 1739

Re: it it too late buying more stocks and bond ??

Hi all is it too late adding more new money into stock-- valuation is high -too high?? ,so what do you do the newly gained cash --money market -0 interest rate. then what about buying bond,- interest rate is going to rise soon so that is not very good either. Maybe best bet is investing in Europe -...
by Bustoff
Tue Mar 03, 2015 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: it it too late buying more stocks and bond ??
Replies: 18
Views: 3221

Re: Turbotax 2014: Buyer Beware

Last year I used TurboTax Premier 2013 Download for Windows. Got this message when I tried to view that return:

To get your prior year returns, you'll need to purchase TurboTax Deluxe online or higher editions for the 2014 tax year.
by Bustoff
Tue Mar 03, 2015 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 65
Views: 6093

Re: Wife turning 50, Ideas for gift?

Anniversary Ring makes a great 50th birthday gift.
If she still works send 50 roses to her office as well.

or,

i-pad or iphone 6 if she doesn't already have them.
by Bustoff
Tue Mar 03, 2015 7:23 am
 
Forum: Personal Consumer Issues
Topic: Wife turning 50, Ideas for gift?
Replies: 25
Views: 1766

Re: Taylor Larimore Honored

Congrats Taylor !
Thank You for your service during WW II.
by Bustoff
Tue Mar 03, 2015 7:13 am
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 4456

Re: Went back to TaxACT, OK but a few problems (2014 update)

grabiner wrote:
Bustoff wrote:Thanks David. So does TaxAct import from my computer or from TurboTax?
Where did you find the carryover amount?


TaxACT imports data from the PDF produced by TurboTax; it doesn't read the TurboTax file.

The carryover amount is on your Schedule D from last year.

Thanks again!
by Bustoff
Tue Mar 03, 2015 6:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Went back to TaxACT, OK but a few problems (2014 update)
Replies: 11
Views: 1488

Re: Went back to TaxACT, OK but a few problems (2014 update)

TaxACT will import last year's data from a PDF produced by other tax software, but only on a PDF produced for filing. In 2012, I used TurboTax to print only a PDF for my records, with all the supporting schedules, and TaxACT couldn't read it, so I had to re-enter my personal information and capital...
by Bustoff
Mon Mar 02, 2015 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Went back to TaxACT, OK but a few problems (2014 update)
Replies: 11
Views: 1488

Re: Went back to TaxACT, OK but a few problems (2014 update)

TaxACT will import last year's data from a PDF produced by other tax software, but only on a PDF produced for filing. In 2012, I used TurboTax to print only a PDF for my records, with all the supporting schedules, and TaxACT couldn't read it, so I had to re-enter my personal information and capital...
by Bustoff
Mon Mar 02, 2015 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Went back to TaxACT, OK but a few problems (2014 update)
Replies: 11
Views: 1488

Re: No heat

I replaced my motor several years ago. Got the replacement motor from Grainger. It was easy.
by Bustoff
Mon Mar 02, 2015 9:35 am
 
Forum: Personal Consumer Issues
Topic: No heat
Replies: 20
Views: 1164

Re: Help me calculate changing asset percentages.

dbr wrote: Ah yes, one of the possible ideas of "add" would be that there is new money.

Yes, it will be new money from cash -- which, for too long, I've been reserving a significant amount of to put towards a future home purchase when we relocate.
by Bustoff
Sun Mar 01, 2015 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me calculate changing asset percentages.
Replies: 6
Views: 277

Re: Help me calculate changing asset percentages.

Apparently I suck at math. Can anyone show me how calculate the correct amount or percentage of asset class when adjusting asset allocation? For instance, assume my current allocation is 30% Total Stock Market and 70% Total Bond Market. If I want to add 10% Total International Stock Fund to my 30% ...
by Bustoff
Sun Mar 01, 2015 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me calculate changing asset percentages.
Replies: 6
Views: 277

Re: Help me calculate changing asset percentages.

You haven't define what you mean by "add." If you mean you want to increase your stock allocation by 3% with the addition to be in international stocks, then you sell 3% of total assets in bonds and buy those stocks, ending up with a 33/67 allocation. If you mean you want to sell some bon...
by Bustoff
Sun Mar 01, 2015 11:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me calculate changing asset percentages.
Replies: 6
Views: 277

Help me calculate changing asset percentages.

Apparently I suck at math. Can anyone show me how calculate the correct amount or percentage of asset class when adjusting asset allocation? For instance, assume my current allocation is 30% Total Stock Market and 70% Total Bond Market. If I want to add 10% Total International Stock Fund to my 30% e...
by Bustoff
Sun Mar 01, 2015 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me calculate changing asset percentages.
Replies: 6
Views: 277

Re: How long will I l live? (mortality predictor)

madbrain wrote:Not a very useful site, IMO. I was expecting something that would take into account more than just the birthday and birthplace.

Try this one instead :
https://www.livingto100.com/


:( . . . . I would like to have seen Montana.
by Bustoff
Sun Mar 01, 2015 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: How long will I l live? (mortality predictor)
Replies: 17
Views: 2019

Re: [Does anyone have comments on this growth model?]

OP is living only 50 miles away from Pebble Beach, CA on $42,000 per year ?

looking you are my hero!
by Bustoff
Sun Mar 01, 2015 6:37 am
 
Forum: Investing - Help with Personal Investments
Topic: [Does anyone have comments on this growth model?]
Replies: 14
Views: 956

Re: How long will I l live? (mortality predictor)

Anyone ever seen the "Sit and Rise Test" used as a predictor of all-cause mortality. http://discovermagazine.com/2013/nov/05-sit-down In a study published in the European Journal of Cardiology, more than 2,000 patients ages 51 to 80, all part of an exercise program at Clinimex Exercise Med...
by Bustoff
Sat Feb 28, 2015 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long will I l live? (mortality predictor)
Replies: 17
Views: 2019

Re: Retirement planning - Too soon for TIPS?

Thanks to advice from forum members, spouse and I just moved to a 60/40 asset allocation. We’re 10 years out from retirement (ages 38/45) and have a little over $1M invested. We have no mortgage/debt or future pensions (other than maybe SS at 70) that will be linked to inflation. I’ve read other th...
by Bustoff
Sat Feb 28, 2015 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement planning - Too soon for TIPS?
Replies: 25
Views: 2257

Re: Retirement - Surprises, Solutions

VictoriaF wrote:
Bustoff wrote:You might wake up some February morning and decide to drive down to Key West and not return until you feel like returning.


From Minnesota?

Victoria

I don't live in Minnesota. I may eat hot dogs, but I don't live in Minnesota. Not that there's anything wrong with that.
by Bustoff
Sat Feb 28, 2015 11:04 am
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3645

Re: Retirement - Surprises, Solutions

All kidding aside, at first there was some initial anxiety but that dissipated rather quickly. For a time when I first retired, I would catch myself operating as though time constraints were still in effect. I had to remind myself to slow down. But once you relax your landscape really begins to open...
by Bustoff
Sat Feb 28, 2015 10:52 am
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3645

Re: What are Costco's best deals?

Wish we had a Costco's here :( Wish we had Wegman's here :( ... and "Beef on Weck" Must be from the Buffalo, NY area! :sharebeer Your right. I miss it too. ... I stopped eating hot dogs. Why did you stop eating hot dogs? Is it the sodium? Is it the preservatives? Is it Victoria?
by Bustoff
Sat Feb 28, 2015 9:36 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 176
Views: 13126

Re: Retirement - Surprises, Solutions

I will be retiring in the next 14-16 months and have been doing a lot of research and soul searching ... ... I would like to hear any retirement changes and solutions that you encountered, especially from the emotional, time filling, things that really surprised you, etc... It's weird at first. Yes...
by Bustoff
Sat Feb 28, 2015 9:03 am
 
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 3645

Re: Favorite chocolate candy

For me, Sees and Lindt taste the best. Godiva is the worst.
by Bustoff
Sat Feb 28, 2015 7:53 am
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 41
Views: 2595

Re: Safe Withdrawal Rate as it relates to Size of Portfolio

michaeldmck - these Vanguard tools may be helpful. How much can I withdraw in retirement? https://personal.vanguard.com/us/insights/retirement/withdrawal-in-retirement-tool Retirement nest egg calculator: https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/RetirementNestEggCalc.js...
by Bustoff
Sat Feb 28, 2015 7:37 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate as it relates to Size of Portfolio
Replies: 25
Views: 2588

Re: Safe Withdrawal Rate as it relates to Size of Portfolio

Does the size of the portfolio influence the chosen withdrawal strategy? For example, do safe withdrawals tend to change up or down if the portfolio is 10mil instead of 1mil? If you only have $1 million, spend some time reading about Safe Withdrawal Rates in the Wiki section. If you have $10 millio...
by Bustoff
Sat Feb 28, 2015 7:07 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate as it relates to Size of Portfolio
Replies: 25
Views: 2588

Re: Not "Staying the Course"

Below is just the first two months of the year. How can you not stay the course ? January 30, 2015 -- The S&P 500 index had its worst monthly performance in a year. February 27, 2015 -- The S&P 500 index had its best monthly performance since October 2011 January 30, 2015 -- U.S. Treasuries ...
by Bustoff
Sat Feb 28, 2015 6:44 am
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4672

Re: Approaching 50...What to expect?

You will finally surrender to hair loss and cast out the temptation to begin corrective hair combing. I bought some barber clippers and cut my own hair now. I put the guard on the clippers and just start mowing -- which is exactly what the stylist at Great Clips was doing. It finally occurred to me ...
by Bustoff
Fri Feb 27, 2015 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Approaching 50...What to expect?
Replies: 108
Views: 10008

Re: PBS NewsHour segment on Social Security

Look like it's time to head over to Amazon and spring for a copy of Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or Less Well, I hope you find the book helpful of course. I'm always happy to answer questions here or by email tho...
by Bustoff
Fri Feb 27, 2015 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 27
Views: 3604

Re: PBS NewsHour segment on Social Security

Both of us having had full working careers, I always figured the best strategy was for both of us to delay until 70. Wife is 2 years younger than me and we both have the roughly same benefit amounts. Then I tried the free Bedrock SS calculator mentioned in a couple other threads. I was surprised by...
by Bustoff
Fri Feb 27, 2015 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 27
Views: 3604

Re: What is your favorite consumer product?

My wife likes New Balance running shoes. When she heard that they were discontinuing her favorite model, she went online and found 42 pairs. Some remain, but they don't last forever even unused, so I guess she'll have to find some other model. http://i61.tinypic.com/33p4ndx.jpg The often quoted rul...
by Bustoff
Fri Feb 27, 2015 9:59 am
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 165
Views: 9943

Re: PBS NewsHour segment on Social Security

Both of us having had full working careers, I always figured the best strategy was for both of us to delay until 70. Wife is 2 years younger than me and we both have the roughly same benefit amounts. Then I tried the free Bedrock SS calculator mentioned in a couple other threads. I was surprised by ...
by Bustoff
Fri Feb 27, 2015 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 27
Views: 3604

Re: Old IRA statements: What should I keep?

I recently asked the same question in another thread. Vanguard site only displays the current and prior years IRA contributions. However, if you go to your specific Roth or Traditional IRA account holding you can search farther back under the transactions section. The irritating thing is Vanguard do...
by Bustoff
Fri Feb 27, 2015 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Old IRA statements: What should I keep?
Replies: 6
Views: 564

PBS NewsHour segment on Social Security

Last night on the PBS Newshour, Paul Solomon and Larry Kotlikoff presented a segment called, "Tricks and tips for getting the most from Social Security. The video segment and full transcript is available at the PBS website. http://www.pbs.org/newshour/bb/tricks-tips-getting-social-security/ . (...
by Bustoff
Fri Feb 27, 2015 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 27
Views: 3604

Re: What are Costco's best deals?

VictoriaF wrote:(Would not touch hot dogs or soda with a ten-foot poll.)

You might after a long day on the el Camino and no ten-foot pole. :happy
by Bustoff
Thu Feb 26, 2015 11:46 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 176
Views: 13126

Re: What is your favorite consumer product?

black jack wrote:TiVo DVR
Kirkland Super Extra-Large Peanuts
Kirkland frozen pineapple chunks
Sandisk Sansa Clip MP3 player

Bought a can of those Peanuts ... OMG, their ridiculous. Best ever!
by Bustoff
Thu Feb 26, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 165
Views: 9943

Re: Social Security for a Younger Spouse, Delay to 70 still

I found this free calculator, which recommended the delay for both of us. I did key in Life expectancy of 95 for both though. http://www.bedrockcapital.com/ssanalyze/ I'm wondering how the calculator is able to show $ benefits without entering any $ data? You enter your PIA monthly amount at the Fo...
by Bustoff
Wed Feb 25, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security for a Younger Spouse, Delay to 70 still good
Replies: 19
Views: 1644

Re: How much did you have saved up for retirement at age 30?

Zero. And it got worse because I went back to school and into debt.
by Bustoff
Wed Feb 25, 2015 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 172
Views: 12262

Re: Lucky, Now what?

A bigger boat, naturally.
by Bustoff
Wed Feb 25, 2015 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lucky, Now what?
Replies: 13
Views: 1520

Re: Guns for hunting/defense

Ithaca Model 37 Featherlite 16 gauge that was given to me by my grandfather.
It has remained unused in a closet for the last 35 years.
by Bustoff
Wed Feb 25, 2015 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 131
Views: 7036

Re: Which Car? struggling to decide

The commuter parking lot by me is filled with leased Range Rovers, Bimmers and Benz's. Man, when I see them pull up in their cool car in the morning, I just think to myself - there goes another $500, at the end of the year, that's $6K, three years from now it's $18K plus lost appreciation, they cou...
by Bustoff
Wed Feb 25, 2015 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Which Car? struggling to decide
Replies: 45
Views: 2807

Re: Thoughts on Chase for everyday banking

JPMorgan Chase plans to close 300 bank branches over the next two years, about 5 percent of the total, as more customers move online and the bank seeks to cut costs.
by Bustoff
Wed Feb 25, 2015 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 28
Views: 1894

Re: What are Costco's best deals?

joe8d wrote:Wish we had a Costco's here :(

Wish we had Wegman's here :(

... and "Beef on Weck"
by Bustoff
Wed Feb 25, 2015 10:16 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 176
Views: 13126
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