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Re: best way to handle incorrect name/SSN on 1099-INT

I'd get a corrected 1099. You don't have to file until October anyways, so I would not worry about getting an incorrect corrected 1099 this Spring. Been there. Done that. Also, when you file, the 1099-Int isn't part of the e-file. Interest is aggregated. The great income matching system in the sky ...
by Sidney
Sun Jan 25, 2015 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: best way to handle incorrect name/SSN on 1099-INT
Replies: 10
Views: 308

Re: best way to handle incorrect name/SSN on 1099-INT

If you transferred ownership of the CDs to your name in 2013, the 2014 1099 should bear your SSN. If not, I would ask the bank to re-issue them. Have you received them yet?
by Sidney
Sun Jan 25, 2015 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: best way to handle incorrect name/SSN on 1099-INT
Replies: 10
Views: 308

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

Bustoff wrote:In 2011 our car rental was $189.97 for 7 days.

Maybe that was the Takata airbag special.
by Sidney
Sun Jan 25, 2015 9:39 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 42
Views: 1910

Re: Fairmark: Free Tax Filing

I didn't see any reference to VITA or AARP TaxAide(TCE) or completing paper forms by hand for that matter.
by Sidney
Fri Jan 23, 2015 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Fairmark: Free Tax Filing
Replies: 5
Views: 560

Re: Would you use MaskMe?

Don't some card issuers provide one-time card numbers for online use? I think one of mine does but I haven't checked into it.
by Sidney
Thu Jan 22, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you use MaskMe?
Replies: 12
Views: 1427

Re: Why are people buying 10 year Bunds?

Some are probably being bought by traders who think they will appreciate in value.
by Sidney
Thu Jan 22, 2015 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Why are people buying 10 year Bunds?
Replies: 14
Views: 1370

Re: When is cash still king?

I use cash for a lot of expenditure. I rarely use currency though. Probably my biggest cash expenditures are health care (insurance premiums via direct debit), utilities (direct debit) and income taxes (EFTPS).
by Sidney
Wed Jan 21, 2015 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: When is cash still king?
Replies: 26
Views: 2746

Re: Better to file taxes separately if married?

nobsinvestor wrote:I do wonder though if it might be extra painful to sign a joint return if one spouse has a totally different (tax-inefficient) investment or spending habit than the other.

If that is the case, signing the tax return may be the least of the worries.
by Sidney
Wed Jan 21, 2015 8:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Better to file taxes separately if married?
Replies: 20
Views: 1558

Re: Lenovo Yoga (& sudden shut down?)

ResearchMed wrote:"I just want my Windows 7 back, please..."

Then you wasted money on a touch screen. Install Classic Shell.
by Sidney
Mon Jan 19, 2015 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Lenovo Yoga (& sudden shut down?)
Replies: 27
Views: 2090

Re: Capital Gains help

I'd be tempted to wait for the next major market crash - if you get lucky you will have losses you can book then.
by Sidney
Mon Jan 19, 2015 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Capital Gains help
Replies: 18
Views: 942

Re: Moca Adapters

It says Ethernet over coax. I'd look at either powerline or a wireless extender instead.
by Sidney
Mon Jan 19, 2015 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Moca Adapters
Replies: 12
Views: 903

Re: 1099-DIV error(?)

Corrections to tax statement usually flush through by summer time. On rare occasions I have received corrections as late as August.
by Sidney
Mon Jan 19, 2015 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: 1099-DIV error(?)
Replies: 14
Views: 1445

Re: What Should I Do With My HSA?

For that amount, I would spend it down on qualified medical expenses as incurred. Get the administration behind me.
by Sidney
Sun Jan 18, 2015 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: What Should I Do With My HSA?
Replies: 10
Views: 1086

Re: How to transition from local hard drive to the cloud

Sensitive information should be encrypted. What would you recommend for encryption....and how cumbersome is it to encrypt and then access? There are several solutions. Right now I only have a very few "sensitive" documents in a Google Drive so I use Truecrypt. I also keep my Keepass datab...
by Sidney
Sun Jan 18, 2015 9:28 am
 
Forum: Personal Consumer Issues
Topic: How to transition from local hard drive to the cloud
Replies: 12
Views: 964

Re: How to transition from local hard drive to the cloud

Sensitive information should be encrypted.
by Sidney
Sat Jan 17, 2015 8:59 pm
 
Forum: Personal Consumer Issues
Topic: How to transition from local hard drive to the cloud
Replies: 12
Views: 964

Re: IRS Publication 590

No obvious reason why they split the Pub other than being too big. Many people wanting info on IRAs will just have to access both Pubs now. We had 114 pages before, the new A and B total is 122. The major IRA change is the rollover limitation, and that subject bridges both distributions and contrib...
by Sidney
Sat Jan 17, 2015 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Publication 590 [Revised to 590-A and 590-B]
Replies: 7
Views: 952

Re: garbage disposals - are these still used?

john94549 wrote:Interesting thread. I've always assumed they were "standard", but maybe not.

Older homes in older neighborhoods sometimes have very old cast-iron or other piping all the way to the street. Sending solids down these pipes -- even ground solids -- can cause a lot of problems.
by Sidney
Sat Jan 17, 2015 5:37 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3668

Re: Survey - Men Who Exercise At a Gym

You forgot one option -- clothes evolve to sentient beings, get up and walk to the wash on their own.

I generally throw them in the laundry every other trip to the gym - depends on how hot the gym is and how aggressive my workout is.
by Sidney
Sat Jan 17, 2015 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Survey - Men Who Exercise At a Gym
Replies: 23
Views: 2612

Re: 401k Rollover to IRA to Roth Conversion

You will get a 1099R.
by Sidney
Wed Jan 14, 2015 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k Rollover to IRA to Roth Conversion
Replies: 5
Views: 310

Re: Reporter doing story on Turbo Tax Fracas

Do they start dropping prices after April? One would think that by September there should be some good deals on tax software.
by Sidney
Wed Jan 14, 2015 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7024

Re: How to handle defaulted debts and current student loans?

Keep in mind that if the credit card companies write off the debts, they may send you a 1099 and you will owe taxes on this as it gets reported on your tax return.
by Sidney
Mon Jan 12, 2015 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2677

Re: Get ready for lower SWR

MathWizard wrote:SWR would be the least of our problems if we extend the average lifespan to 120.
We would need to a huge overhaul to how our economic systems work.

We will definitely need bigger basements.
by Sidney
Mon Jan 12, 2015 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get ready for lower SWR
Replies: 13
Views: 2071

Re: A couple Noob tax questions

bobsmith wrote:So I guess it's possible to get money back even though you never paid in any taxes, right?

Yes, that is how refundable tax credits work.
by Sidney
Mon Jan 12, 2015 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: A couple Noob tax questions
Replies: 6
Views: 685

Re: Question about AxCrypt (file encryption)

If you are concerned about access if someone were to get possession of your laptop you should consider whole-disk encryption. That will make sure various temporary files and application data (e.g. browser profiles) are secure. Single file encryption is particularly good for storing files on cloud or...
by Sidney
Sun Jan 11, 2015 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Question about AxCrypt (file encryption)
Replies: 4
Views: 407

Re: Can my employer open an HSA account for me without me?

Sounds to me like you need a new employer.
by Sidney
Sun Jan 11, 2015 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can my employer open an HSA account for me without me?
Replies: 19
Views: 1386

Re: Can my employer open an HSA account for me without me?

The real question is, does an employer/entity have the right to open an individual HSA account (all HSA accounts are individual) in an individual's name, without that individual's knowledge or consent? You should read your plan materials that will probably spell this out ala "If you sign up fo...
by Sidney
Sun Jan 11, 2015 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can my employer open an HSA account for me without me?
Replies: 19
Views: 1386

Re: trouble with posting images

If you search the forum, there is a thread that explains that a public link to a doc in your Google Drive account reveals your Google identity. I wouldn't use Google drive for posting images.
by Sidney
Fri Jan 09, 2015 9:00 am
 
Forum: Forum Issues and Administration
Topic: trouble with posting images [from Google docs]
Replies: 16
Views: 787

Re: Paper Statements

For me ,balancing my "checkbook" ,which I don't use,involves opening Quicken,going to my bank account online and verifying each expenditure that has occurred via auto debit,on-line bill pay,ATM transaction or credit card. No paper :happy How do the entries get into Quicken? Using Quicken ...
by Sidney
Mon Jan 05, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3391

Re: Paper Statements

Toons wrote:For me ,balancing my "checkbook" ,which I don't use,involves opening Quicken,going to my bank account online and verifying each expenditure that has occurred via auto debit,on-line bill pay,ATM transaction or credit card.
No paper :happy

How do the entries get into Quicken?
by Sidney
Sun Jan 04, 2015 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 3391

Re: Chromebook dedicated to finances?

AV software doesn't always work.
by Sidney
Sat Jan 03, 2015 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chromebook dedicated to finances?
Replies: 62
Views: 3751

Re: Accessing Bank from someone else's Wifi

Consider using a VPN.

Here are some free ones. I tried SecurityKiss a couple times (not recently). My recollection is that it was easy enough to install and setup.

http://www.techsupportalert.com/best-fr ... ervice.htm
by Sidney
Wed Dec 31, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Accessing Bank from someone else's Wifi
Replies: 10
Views: 1629

Re: Retirement planning and longer lifespans

flyingaway wrote:Just work and save, and quit when you don't want to work.

Right. And if you run out of money, roll your wheel chair off a cliff.
by Sidney
Wed Dec 31, 2014 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement planning and longer lifespans
Replies: 10
Views: 742

Re: Predicting Long Term Returns After Costs In Taxable

I am not sure whether by "inflation adjusted" you mean nominal or real. I normally do projections using real returns. Lately, if I had to pick something I'd probably use something like 4% real returns for equity. My crystal ball doesn't focus well enough to isolate costs in the future.
by Sidney
Wed Dec 31, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Predicting Long Term Returns After Costs In Taxable
Replies: 6
Views: 640

Re: tax GAIN harvesting, and repurchasing shares

The Wiki has a good explanation of wash sales.

https://www.bogleheads.org/wiki/Wash_sale

As you can see, it doesn't apply to sales with a gain.
by Sidney
Tue Dec 30, 2014 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: tax GAIN harvesting, and repurchasing shares
Replies: 7
Views: 739

Re: Do we have enough to retire?

Well yes and no to that question. Retirement assets and income are divided between SP500 index, stocks, real estate, annuity, and pension. I understand concerns over market related diversification and do not wish to debate the merits of our portfolio. Just keep in mind that the composition of the p...
by Sidney
Mon Dec 29, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 23
Views: 2876

Re: retirement spending covered by SS

I've been retired for over 6 years and SS is still 8 years away. So I will vote zero. When I did my poll I asked it in the context of once you start receiving SS not when you retire. In any case, the numbers change depending on the circumstances. I plan to defer SS to 70.5 but at the same time, my ...
by Sidney
Mon Dec 29, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2420

Re: retirement spending covered by SS

gardemanger wrote:What do you mean by "paired"? If you mean "married", say "married." Also, where does widowed/collecting survivor benefits fit into the scenario?

I would assume that paired includes (but may not be limited to) married, civil unions, cohabitation.
by Sidney
Mon Dec 29, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2420

Re: Is 22 months of "cash" enough for me?

I think only you can know the answer. It is a personal risk preference question. I have 8 years before I take SS and I hold almost no cash. I am probably an outlier.
by Sidney
Sun Dec 28, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Is 22 months of "cash" enough for me?
Replies: 8
Views: 1610

Re: Shift from Accumulating to Income Generation for Retirem

--Second, I personally do not voluntarily invest in any fund with an ER > .2%. Some 401Ks pretty much require it, but there are so many great choices available at a low cost nowadays that using ETFs with ERs of .5% or greater just doesn't make sense. Absolutely. Should be able to get ER into the lo...
by Sidney
Sun Dec 28, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: UPDATE: Shift from Accumulating to Income Generation for Ret
Replies: 48
Views: 3698

Re: retirement spending covered by SS

I've been retired for over 6 years and SS is still 8 years away. So I will vote zero.
by Sidney
Sun Dec 28, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2420

Re: retirement spending covered by SS

Are you asking about now or some day?
by Sidney
Sun Dec 28, 2014 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2420

Re: Market Up but Wellington way down??? Why???

That's nothing. I have a substantial position in my IRA in Vanguard Health Care Fund and last week the NAV dropped 8% in one day :confused. I figured it was a dividend/LTCG distribution. Problem is the Div/LTCG did not show up until the next day. Whew!!! That's nothing either. In 2008 I saw big dro...
by Sidney
Sat Dec 27, 2014 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Market Up but Wellington way down??? Why???
Replies: 23
Views: 3437

Re: Market Up but Wellington way down??? Why???

Hi, I know, this should be old hat, but can someone point me to a link that explains this process to me again? Thanks! :confused You don't need a link. Take 5 one dollar bills and put them in your right pocket. Wait 10 minutes. Take one dollar out of your right pocket and put it in your left pocket...
by Sidney
Sat Dec 27, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Market Up but Wellington way down??? Why???
Replies: 23
Views: 3437

Re: Ultimate Boglehead Year End Checklist

RMD in December. Interesting, I would have thought this would be a January type thing. We have my MIL done automatically every June. Is there an advantage in waiting until December? Yes, you get the advantage of having the funds remain in a tax advantaged account as long as possible. also better vi...
by Sidney
Thu Dec 25, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Ultimate Boglehead Year End Checklist
Replies: 30
Views: 3130

Re: Ultimate Boglehead Year End Checklist

pro forma tax return
Roth conversion
Pay Q4 estimated taxes for state income tax.
by Sidney
Thu Dec 25, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Ultimate Boglehead Year End Checklist
Replies: 30
Views: 3130

Re: Dazed & Confused

Maybe equity markets are just not for you. If your basic expenses are already covered, perhaps an annuity to create another layer of income for discretionary spending and then invest the rest in CDs and/or Treasury bonds (TIPS or shorter-term nominals).
by Sidney
Wed Dec 24, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dazed & Confused
Replies: 10
Views: 1338

Re: new tablet/smart phone question

On keyboards....consider adding a small Bluetooth keyboard for when you really need to type. The days of physical keyboards on phones are all but gone. I do find the typing experience on the screens has improved. Plus Google is currently very good with their speech to text capability. Also, there a...
by Sidney
Wed Dec 24, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: new tablet/smart phone question
Replies: 23
Views: 2380

Re: Dentist Bill from 2011

What are the statue of limitations for debt repayment in your state? You are in a much better position if you can tell them under state law, they have no legal basis to collect. Most likely they will write the bill off under such circumstances if they wish to continue your business relationship. Mo...
by Sidney
Wed Dec 24, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Dentist Bill from 2011
Replies: 62
Views: 3821

Re: Please explain dividends to me

I'm relatively new to investing, and I'm wondering why the dividend isn't a net 0 to investors. If I own 1 share worth $100, and it pays a $10 dividend, the share price drops to $90, and I still have $100 (1 share worth $90 plus $10 cash). If I reinvest the dividend, I'll have 1.11 shares for a tot...
by Sidney
Wed Dec 24, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Please explain dividends to me
Replies: 11
Views: 2197

Re: Dentist Bill from 2011

I did not knew of the bill as it was never sent to me as i mentioned in my post. My point is if i don't get a bill when the service is performed and after 3 years i get a bill with interest due how is that a good deal? From all the responses it seems that this is somehow my fault if the company doe...
by Sidney
Wed Dec 24, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Dentist Bill from 2011
Replies: 62
Views: 3821
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