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Re: Girlfriend with a LOT of Student debt.

it's not that easy to just go get a lawyer job...maybe she can't. competition is fierce even in public interest law. and maybe since she's been with OP she has lost ambition. time's a wastin. longer she's out of law the harder it will be to get in. OP did she graduate last june? has she tried to fin...
by caroljm36
Mon Nov 24, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Girlfriend with a LOT of Student debt.
Replies: 136
Views: 8685

Re: smartphone over wifi - still possible?

Keep your dumb phone or get a dumb phone from another carrier. No data plan. Buy an Android tablet. There are $100 7 inch tablets with 1280x800 screens. Nearly all tablets are Wi-Fi only. Yup, you'll have to carry two things around with you. Compensation: It's much easier to do web surfing/mail rea...
by caroljm36
Sun Nov 23, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: smartphone over wifi - still possible?
Replies: 31
Views: 2358

Re: Side jobs or hobbies that make you money

I play in a band. I save the cash up at home to use for home projects and walking-around money. But I file schedule C on it too. I could play more but the late hours just kill me now. ^^This. Right now we're doing amazingly well, pulling in anywhere from $500-$1000 per month. Definitely lucky to ha...
by caroljm36
Fri Nov 21, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 125
Views: 17139

smartphone over wifi - still possible?

My latest AT&T contract ends this month, and I'd like to switch from a dumb phone with no data to a smartphone, but I don't want to pay for data. I have heard that it was once possible to use a smartphone with wifi, to surf the net and check email, but then thought I saw that the carriers were l...
by caroljm36
Thu Nov 20, 2014 9:29 pm
 
Forum: Personal Consumer Issues
Topic: smartphone over wifi - still possible?
Replies: 31
Views: 2358

Re: how long for a decision from SSA?

I did not get a decision until just before my 66th birthday, FRA. I applied online several months before that. And I was also told, online, that it would be 5-7 days. In retrospect it seems they don't make decisions until they are ready to make payments. Everything worked out fine. Oh okay, thanks....
by caroljm36
Wed Nov 19, 2014 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: how long for a decision from SSA?
Replies: 3
Views: 436

how long for a decision from SSA?

I applied for the spousal benefit 2 weeks ago, and they gave me a number and said to check back in 5 days but there is no decision yet. When I called the number they gave, I learned the exact same information. :confused Looking back at the application, I wonder if I misunderstood one of the question...
by caroljm36
Wed Nov 19, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: how long for a decision from SSA?
Replies: 3
Views: 436

Re: Fixing Social Security Earnings Mistake Advice

Yes about 30 years ago I got my first earnings statement and saw that three good years were missing! I had quit the place and didn't really want to contact them, so I wrote the IRS about it with my best guess as to what my earnings were. They contacted the employer and it was straightened out. It wa...
by caroljm36
Mon Nov 17, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fixing Social Security Earnings Mistake Advice
Replies: 9
Views: 842

Re: How Not to Retire

Maybe I'm reading too much into it, but it seems like the typical author of these stories assumes there is some other perfect world where all is taken care of, and that it is somehow disgraceful that their various needs were not met.
by caroljm36
Mon Nov 17, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Not to Retire
Replies: 67
Views: 6906

Re: Tax Planning for 2015 Roth conversion

I have started doing conversions as well, using hypothetical returns in my 2013 version of HRBlock as a guide. Fortunately I don't have to worry about withholding because most of them will be in the zero tax bracket. :P
by caroljm36
Sun Nov 16, 2014 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Planning for 2015 Roth conversion
Replies: 11
Views: 1384

Re: Assisted Living

It's good to plan ahead while you're still on top of things. I had to make a quick and dirty move for a friend who had procrastinated until she landed in a nursing home for the upteenth time and could no longer navigate the stairs to her apartment. I got her into independent living but a lot of her ...
by caroljm36
Tue Nov 11, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 1947

Re: anyone successfully file restricted app for spousal onli

The pdf below has some screenshots of the process. If you look at the 5th screenshot, you'll see that it asks very explicitly about whether you would like to delay your retirement benefit and apply for spousal only. http://www.ssa.gov/pubs/EN-05-10523.pdf Thanks for the helpful screenshots. This is...
by caroljm36
Sun Nov 09, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: anyone successfully file restricted app for spousal online?
Replies: 12
Views: 1258

Re: Roth IRA strategy

The reason it makes a difference is taxes. Sure, even when using a Roth strategy if the market goes down your holdings go down. The point is, you want the loss to be in the TIRA instead of in the Roth. Because you pay tax on the amount originally converted. Oh. I'm mostly in the zero tax bracket so...
by caroljm36
Sat Nov 08, 2014 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA strategy
Replies: 11
Views: 1904

Re: Roth IRA strategy

I don't understand why it would make any difference what the market does, if you converted from say a 60/40 tIRA fund to a similar or the same Roth version fund.
by caroljm36
Thu Nov 06, 2014 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA strategy
Replies: 11
Views: 1904

Re: anyone successfully file restricted app for spousal onli

Apparently you can do it online as somebody here mentioned. When I called to ask, they told me that if I was filing for spousal, I had to come in to the office. The wife and I scheduled their first 9AM appointment and got right in without waiting more than 5 minutes. The wife was filing for early S...
by caroljm36
Mon Nov 03, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: anyone successfully file restricted app for spousal online?
Replies: 12
Views: 1258

Re: anyone successfully file restricted app for spousal onli

Yes. It could not have been easier. Well... EXCEPT for the part where we had shortly before this discovered that SSA had somehow decided that NEITHER of us were actually US citizens (both born within the USA, no question there) "because of some computer errors" [BOTH of us??], so we had t...
by caroljm36
Mon Nov 03, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: anyone successfully file restricted app for spousal online?
Replies: 12
Views: 1258

anyone successfully file restricted app for spousal online?

I managed to get medicare going without a hitch online...what about this? my own benefit is much more but I still want to wait til 70..ssa.gov seems to cater to the get-the-most-the-quickest crowd in their faq's.
by caroljm36
Mon Nov 03, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: anyone successfully file restricted app for spousal online?
Replies: 12
Views: 1258

Re: Joint accounts or separate accounts for married couples?

We have two checking accounts, both joint for the sake of JROS, but he uses one and I use the other. I just never understood how you could have two people running around debiting and writing checks against one account. I keep a running balance on mine, he waits til he gets home to reconcile his. I c...
by caroljm36
Fri Oct 31, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 59
Views: 4614

Re: lost 8606 from years ago - am I in trouble?

And yes I know, it's a small reduction of taxes in my favor if I find it, so I didn't think it was material to IRS if I included that basis. But I am being told that it is material. I'm still not so sure that's right. At the time I did this, I KNEW this would happen.. :annoyed I am not following th...
by caroljm36
Thu Oct 23, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1778

Re: lost 8606 from years ago - am I in trouble?

I don't really get why it matters. If you have a basis of $600 but claim no basis on withdrawal, what's the problem? I don't either. You said you filed an 8606 years ago, so you complied with that. Now you simply are not claiming that small reduction in taxes. As you said, it is not something that ...
by caroljm36
Wed Oct 22, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1778

Re: lost 8606 from years ago - am I in trouble?

Does this mean you put in the max each year buy didn't deduct the max that year? Maybe I have it all wrong, but it sounds like you have the tax returns so you need to look up what was the max each year and check to see which return is inconsistent with that (600 less). Of course, if you didn't put ...
by caroljm36
Wed Oct 22, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1778

Re: 2015 Medigap plan changes

I don't but expected to get the big Medicare book this year and didn't. is it related I wonder?
by caroljm36
Wed Oct 22, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Medigap plan changes
Replies: 13
Views: 694

Re: lost 8606 from years ago - am I in trouble?

Grt2bOutdoors wrote:Write to the IRS for a copy of your filed income tax return for the year in question. They should send you a copy of your entire return, including the missing Form 8606. Problem solved, don't worry.


I don't know the year...it was 8-15 years ago
by caroljm36
Wed Oct 22, 2014 7:56 am
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1778

lost 8606 from years ago - am I in trouble?

One year a long time ago, I put too much in my tIRA, and I remember filing an 8606 with my return. I didn't really understand the issue until now. I remember the amount was 600, but do not remember which trustee (I moved around and one was taken over by another, etc). I have tax returns going back 1...
by caroljm36
Wed Oct 22, 2014 7:39 am
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1778

Re: Sharebuilder, large account bonus - Good funds to use?

Back in 2009 I had Sharebuilder and used it to do some minor trading of your typical stocks, but they were not offering Proshares funds like SKF at at time where there was some good action going on. That was very frustrating, and I felt like the party would be over by the time I got a better broker ...
by caroljm36
Tue Oct 21, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Sharebuilder, large account bonus - Good funds to use?
Replies: 29
Views: 1141

Re: What Are We Doing To Our Young Investors?

I actually heard recently from some HR people that it is common for workers to serially quit just to get at their 401k balances. Then they hire back on with the same company or go somewhere else. Apparently some employers are accommodating, trying to keep a full and happy crew on board.
by caroljm36
Tue Oct 21, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4190

Re: know anything about Old Surety or other odd Medigap play

Your Old Surety Life outfit is impressive. Check out how slowly the "bracket creep" goes on the premiums from a 65 yr old right up to a 85 yr old. Can't beat it. Think I spotted 1 mistake. Everence Assoc. rates are identified in the Guide as "attained- age". But they sure look t...
by caroljm36
Tue Oct 21, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: know anything about Old Surety or other odd Medigap players?
Replies: 9
Views: 719

Re: know anything about Old Surety or other odd Medigap play

Ah, very interesting...I think I will call the Oklahoma outfit today. I have an independent insurance agent but he is so insistent on the cheapest MA plan that I feel he doesn't understand where I'm coming from. Also, I think I got everything I could out of our local Aging Services and SHIP person, ...
by caroljm36
Tue Oct 21, 2014 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: know anything about Old Surety or other odd Medigap players?
Replies: 9
Views: 719

know anything about Old Surety or other odd Medigap players?

I've pretty much settled on my states BCBS Plan F for next year, 176 for issued age. But I noticed that Old Surety out of Oklahoma offers an issue age Plan F at 128. But I don't know anything about them, or other odd outfits like Equitable in Salt Lake and all the "Mutual" companies or Woo...
by caroljm36
Mon Oct 20, 2014 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: know anything about Old Surety or other odd Medigap players?
Replies: 9
Views: 719

Re: [Confused with Medigap Options]

..........I was hell bent on getting issue age, but when I spoke with someone at BCBS over the phone, she couldn't figure out why I wouldn't go for attained age. I said because I don't want the price to go up every year, and she said the issue age plans go up every year anyway.. but by how much? Do...
by caroljm36
Sun Oct 19, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1855

Re: Best place (with warm weather) to raise children

cheese_breath wrote:
cannondale wrote:Claremont, CA is surrounded by Oakland, CA.

Claremont is nowhere near Oakland. It's east of LA.


Lots of gangs out that way now too.
by caroljm36
Sun Oct 19, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 5343

need new microwave - what happened to Sharp?

Our Sharp Carousel of 12 years finally gave up the ghost, and I would like to get another one just like it. But it seems to be hard to find the equivalent model now. We need at least 1.6 cu ft and 1100 watts. We just need a standalone, not a built-in or over-range type unit. Today we went to Costco,...
by caroljm36
Sun Oct 19, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: need new microwave - what happened to Sharp?
Replies: 15
Views: 1681

Re: "I've had it" at work - how often

I was a proposal manager working to hard RFP deadlines, with lots of red tape and gotchas that could get us kicked out of a bid. When I was doing 2-3 proposals at a time 15 years ago I was miserable and wanted to quit all the time, but knew I had a lot more years to work. Plus all my good work refer...
by caroljm36
Sat Oct 18, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12641

Re: [Confused with Medigap Options]

Are you sure you checked out all the issue-age policies? Not to be confused with attained age. Problem is, they are hard to find. Did you look among the fraternal benefit type associations like Woodmen, Everence Association? With an issue-age rated policy you will only pay for general inflation inc...
by caroljm36
Fri Oct 17, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1855

Re: [Confused with Medigap Options]

Excuse me, but just exactly how does one go about "expecting" health to remain "good" ? What do you recommend - crystal ball ? Consultation with Fortune Teller? (there are several who advertise here) Tarot cards? Purchasing a known Good Luck charm? Please elaborate. Just exactly...
by caroljm36
Fri Oct 17, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1855

Re: Time Out of Market During Rollover

I did an in-service rollover two years ago. I transferred everything to the mmkt fund, and I had thought the trustee would wire the funds straight to Vanguard, getting the same day's prices, but that made too much sense. Instead, they sent me a check for the whole thing made out to Vanguard using th...
by caroljm36
Fri Oct 17, 2014 7:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Time Out of Market During Rollover
Replies: 18
Views: 1202

Re: Paid back Social Security

Hi, I did a withdrawal of ss benefits earlier this year after starting benefits in April 2013. Which tax forms and publications am I going to need to do my taxes next year? Thanks, Mark How can you withdraw social security benefits if you are already getting them? Very confusing.. anyway SSA will s...
by caroljm36
Tue Oct 14, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid back Social Security
Replies: 3
Views: 621

Re: Is semi-retirement a bad idea?

I was forced into "semi retirement" last year and at first it seemed ideal. But I found that the less I work, the less I want to work. I was less emotionally invested, drifted away mentally so that when they gave me my notice, my reaction was No problem! I first noticed this when I played ...
by caroljm36
Tue Oct 14, 2014 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7597

need a new home page [browser default page]

I have been using my.msn.com for years as a home page, and now they have changed it all around to where you must keep a lot of big distracting People-style photos on top in magazine style layout, no matter how you customize. I like to have hard news, markets and weather and I don't like a lot of pho...
by caroljm36
Mon Oct 13, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: need a new home page [browser default page]
Replies: 25
Views: 1998

Re: Reverse Mortgages

My understanding is that if you should want out of your house, to downsize or moving into independent or assisted living, you get nothing. The bank gets the house. Contrast this with being able to sell the house and use the money to pay rent in assisted living. If you have a place that's easy for th...
by caroljm36
Mon Oct 13, 2014 7:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages
Replies: 21
Views: 2108

Re: Relocating to a tax free state with good weather need ad

I am wondering why many people move to Florida in retirement, not to Las Vegas. I think Las Vegas also has no income tax, has warm weather in summer. (I have not been there in winter yet). There's a huge population mass only a couple of hours flying time north of Florida, most of whom have large nu...
by caroljm36
Sun Oct 12, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3663

Re: Medigap polcies - selecting for first time

That is assuming there are any MA plans offered in her zip code. Remember, in many areas of the country, MA is not an option because they are disappearing fast. More insurers are finding they are no longer as profitable as they counted on. If she is in a big urban area she can probably find more th...
by caroljm36
Sun Oct 12, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap polcies - selecting for first time
Replies: 22
Views: 1438

Re: Graphic: Income -> Accounts -> Retirement

Don't understand all of it, but do get the Roth part. I wish I'd understood the advantages of putting after tax earned income in a Roth instead of a tIRA back in my working days. I thought Roths were only for high earners. Wrong... :?
by caroljm36
Sat Oct 11, 2014 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graphic: Income -> Accounts -> Retirement
Replies: 11
Views: 2371

Re: Medigap polcies - selecting for first time

OP you do have a trial period the first year, should you want to try a medicare Advantage policy first. You can switch to Medigap within the first year no questions asked. I am doing this as a "bridge" to full retirement and Plan F next year. I was laid off from my part time job in Feb and...
by caroljm36
Sat Oct 11, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap polcies - selecting for first time
Replies: 22
Views: 1438

Re: Everything related to 1099 worker - tracking expenses et

I would agree if his residence is his principal place of business or if he is traveling to multiple work sites on the same day. well if it's really a sham deal where he still has to be at some office, really commuting, talk about the worst of both worlds! either he's an employee or he should get al...
by caroljm36
Fri Oct 10, 2014 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Everything related to 1099 worker - tracking expenses etc
Replies: 27
Views: 1628

Re: Everything related to 1099 worker - tracking expenses et

Don't forget a log for logging mileage. It really needs to be done contemporaneously, not after the fact. I guess there are apps for it now but I wouldn't know about that. And not all mileage is deductible, especially if the IRS considers it "commuting expense". My thought that as a 1099 ...
by caroljm36
Fri Oct 10, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Everything related to 1099 worker - tracking expenses etc
Replies: 27
Views: 1628

Re: Everything related to 1099 worker - tracking expenses et

Don't forget a log for logging mileage. It really needs to be done contemporaneously, not after the fact.

I guess there are apps for it now but I wouldn't know about that.
by caroljm36
Fri Oct 10, 2014 9:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Everything related to 1099 worker - tracking expenses etc
Replies: 27
Views: 1628

Re: Medicare Advantage to T Medicare plus supplement

I can go to any doctor in this area because at least for part of the year there was only one MA plan, so all the docs were in network. Now two more insurers have jumped back in with MA offerings...I don't get it. I thought funding was being cut back?? So anyway the providers may be choosing up sides...
by caroljm36
Thu Oct 09, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage to T Medicare plus supplement
Replies: 17
Views: 1040

Re: Medicare Advantage to T Medicare plus supplement

I'm 65 and trying out Medicare Advantage with the aim of switching to a Plan F next year, to get on board and avoid underwriting in the future if I delay the switch. I checked out the questions that BCBS uses and yes it's all pretty serious stuff, kidney failure, AIDS, ALS... I'm healthy now and can...
by caroljm36
Thu Oct 09, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage to T Medicare plus supplement
Replies: 17
Views: 1040

Re: When people put all their eggs in the wrong basket

and I was stressing over an extra 2 pc in TSM...wow :o
by caroljm36
Wed Oct 08, 2014 8:27 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28813

Re: "Vanguard converting mutual fund accounts to brokerage?

This transition must be for Big Money because I haven't heard anything about it. :?
by caroljm36
Mon Oct 06, 2014 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 105
Views: 12232
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