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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 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1669

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 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1669

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 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1669

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 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Medigap plan changes
Replies: 13
Views: 593

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 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1669

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 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1669

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 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: Sharebuilder, large account bonus - Good funds to use?
Replies: 29
Views: 1049

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 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4064

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 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: know anything about Old Surety or other odd Medigap players?
Replies: 8
Views: 544

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 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: know anything about Old Surety or other odd Medigap players?
Replies: 8
Views: 544

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 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: know anything about Old Surety or other odd Medigap players?
Replies: 8
Views: 544

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 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1780

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 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 4765

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 5:23 pm
 
Forum: Personal Consumer Issues
Topic: need new microwave - what happened to Sharp?
Replies: 15
Views: 1591

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 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12255

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 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1780

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 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 1780

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 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Time Out of Market During Rollover
Replies: 16
Views: 970

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 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid back Social Security
Replies: 3
Views: 611

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 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is semi-retirement a bad idea?
Replies: 106
Views: 7109

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 3:12 pm
 
Forum: Personal Consumer Issues
Topic: need a new home page [browser default page]
Replies: 25
Views: 1886

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 8:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages
Replies: 21
Views: 2066

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 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3617

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 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap polcies - selecting for first time
Replies: 22
Views: 1362

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 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graphic: Income -> Accounts -> Retirement
Replies: 11
Views: 2232

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 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap polcies - selecting for first time
Replies: 22
Views: 1362

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 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Everything related to 1099 worker - tracking expenses etc
Replies: 27
Views: 1474

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 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Everything related to 1099 worker - tracking expenses etc
Replies: 27
Views: 1474

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 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Everything related to 1099 worker - tracking expenses etc
Replies: 27
Views: 1474

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 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage to T Medicare plus supplement
Replies: 17
Views: 792

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 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage to T Medicare plus supplement
Replies: 17
Views: 792

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 9:27 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 216
Views: 21165

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 6:44 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 76
Views: 8715

Re: Medicare Part D (Prescriptions), changing plans

......................] that site can't seem to deal with entry of no drugs. :? also it indicates there are no medigap policies without drug plans here and that's wrong. Is this what you see (re: your 2nd statement above)? Medicare Health Plans without Drug Coverage 0 plans were found in 95051 base...
by caroljm36
Sun Oct 05, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 36
Views: 1711

Re: What Movie Have You Recently Watched?

American Hustle... I liked it but as usual the profanity was overplayed and I think anachronistic.

Same with Inside Llewyn Davis, droll but too much modern style profanity.

I wish directors wouldn't let actors run with the ad libbed dialog so much.
by caroljm36
Sat Oct 04, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 131
Views: 6655

Re: Medicare Part D (Prescriptions), changing plans

It is always good idea to run Plan Finder ANNUALLY at http://WWW.MEDICARE.GOV to identify the best Part D, Medicare Advantage (MA) or Medicare Advantage with Prescription Drug (MAPD) for you. Disclosure: I am a Certified Volunteer Medicare Counselor from NJ that site can't seem to deal with entry o...
by caroljm36
Sat Oct 04, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 36
Views: 1711

Re: My 2015 Medicare Costs/benefit changes

My MA "Value Plan" went from 30 to 50.50..

I really want to jump ship to a Plan F next year but I will miss the free gym membership.
by caroljm36
Fri Oct 03, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: My 2015 Medicare Costs/benefit changes
Replies: 13
Views: 1405

Re: The Roosevelts, PBS special

FDR was a very sick man in his third term but that info was kept from the public. He should never have run for a fourth term and the third is problematic too since it defied convention.
by caroljm36
Wed Oct 01, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8525

Re: Vanguard: "Don't let debt delay or derail your retiremen

so, to retire I need 17X my salary according to the article, and nothing about social security? is it just a given that it won't be there?
by caroljm36
Tue Sep 30, 2014 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard: "Don't let debt delay or derail your retirement"
Replies: 33
Views: 2240

Re: Any disadvantages of filing for unemployment?

Certainly, the laws and benefits regarding unemployment insurance are going to vary quite a bit from state to state. I don't think the intent of the OP was to launch into a discussion of what is different around the country. But rather he was asking if there are any known "disadvantages" ...
by caroljm36
Fri Sep 26, 2014 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any disadvantages of filing for unemployment?
Replies: 22
Views: 2242

Re: Any disadvantages of filing for unemployment?

. Also, if you luck upon a temporary gig that pays for a day or so, you have to report it to the unemployment office, tempting to keep quiet about it, especially if you get paid in cash, but it is taking a big chance. Getting caught is not worth it, so you really have to be scrupulous about followi...
by caroljm36
Fri Sep 26, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any disadvantages of filing for unemployment?
Replies: 22
Views: 2242

Re: Why don't you do Financial Planning?

I don't even want to give free advice because I'm afraid the market would go into retrograde right once they're invested, and so that even balanced fund would take a dump, and the person I advised wouldn't understand, would freak out and want to sell.
by caroljm36
Wed Sep 24, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 3329

Re: Divestment movement

A similar movement seemed to have some effect on South Africa.

This one could have an adverse impact on the typical index fund if enough grandstanders get into the act. They're trying to bring down the coal and oil business in my state when it's the only thing we have going right now.
by caroljm36
Mon Sep 22, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: Divestment movement
Replies: 8
Views: 611

Re: How to clean an acrylic tub?

I have a Kohler tub with a textured bottom area (to prevent slipping). The textured bottom area has always been very hard to clean until I came across a great solution. I make a paste from baking soda and water and then use a scrubbing brush with plastic bristles in tight circular motions to clean ...
by caroljm36
Sun Sep 21, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: How to clean an acrylic tub?
Replies: 18
Views: 1223

How to clean an acrylic tub?

My husband installed an acrylic tub last summer that I picked out myself because of its size and shape. I love the thing but I find it hard to clean. I use Comet Softscrub but need something to scrub with that won't scratch the tub. I can't seem to come up with anything and couldn't find any special...
by caroljm36
Sun Sep 21, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: How to clean an acrylic tub?
Replies: 18
Views: 1223

Re: Retiree Next Door

I think a lot of the more recent retirement nightmare coverage usually has some barely mentioned backstory: seniors taking out HELOCs on otherwise paid off houses, or cosigning huge student loans, things like that. If you can make it to retirement without those blunders, you should be okay. As I sai...
by caroljm36
Thu Sep 18, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 4476

Re: Any success stories of ppl who never made >$50,000?

I think lower income get a little paranoid when they see the portfolio numbers tossed around here. I know I did. :o
by caroljm36
Wed Sep 17, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10187

Re: Any success stories of ppl who never made >$50,000?

I never came close to 50k, and even though I started late at 45 I am delighted that I seem to have enough to retire on 65. It's certainly not a million... I am relying on SS when I turn 70. I did get a bit of a windfall 12 years ago but that mostly went to a new house, which I didn't really need mys...
by caroljm36
Tue Sep 16, 2014 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10187

Re: EJ Gadflies

I have a friend that knew a young person who got back from Iraq and was approached by EJ. The young person was handsome and friendly, and EJ said that this person would be ideal to be a personal finance consultant (even though the person had zero financial knowledge). For years I assumed the EJ kid...
by caroljm36
Fri Sep 12, 2014 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 6566
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