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Hello, I have an ATT universal Card, it will create a one time use CC number with an offline application.

Is anyone aware of another card that does this?


I would like to find one with no FTF AND also this feature, so I would not need 2 cards, which I have now thanks

so if my timeframe for use of the money is a decade or two, i guess a 5.5 duration vs. a 2.5 doesn't matter either way? which just kinda loops me back to how to choose a, ? more specific ? duration to begin with, assuming all the savings bonds have 0 duration and I average them into the whole bond p...

so, which yield would one use to decide on whether the duration is worth the spread say on these 2 funds? Vanguard Intermediate-Term Investment-Grade Fund Investor Shares (VFICX) https://personal.vanguard.com/us/funds/snapshot?FundId=0071&FundIntExt=INT Vanguard Short-Term Investment-Grade Fund ...

guess, that reminds me of Larry's risk spread thing. So, I wondering what "short" is defined ?

If my mix of TIPS, savings bonds, etc averages out to 5 years, maybe it is not short enough.

so I should not worry about being a Market Timer if I reduce my duration to like 3 years? is there any link between percentage equities, and duration target, Mr Swedroe/Bernstein, I believe just says stay below 5 year duration ? Seems to me, if one had 70% equities, maybe they'd want to stay with sh...

Hello, I'm comfortable with my stock allocation, but have never settled on a fix bond duration, other than less the 5 years. At present, I am in my late 40s, and 20% in cash, 55% bonds, and 30% stock(i know it doesn't add up) Having recently had so much focus in media about bonds, I'm tempted to mov...

How is it not secure? I could give you my google password...you have a minute to guess my second code....right? I am guessing that hackers can find the secondary security keys? Thanks Google has it (the file). A LG said, Trust Noone. Truecrypt is free and easy to use. My point exactly. Google will ...

try to port net10 to google voice, but net10 lacks actual account data, so no number can be ported FROM net10 to anywhere it seems. in process what i seemed to have learned, is GV wants a physical phone, for the purpose, of confirming, you are in the US, so now i'm looking at buying a dumb / cheap p...

how long ago was that, cause GV is insisting on a physical (non VOIP) number ; maybe the policy has changed

The phone will work on wifi with the full functionality of a data plan (and likely faster) without a SIM card. There are a number of apps that will allow you to use your google voice number for wifi calling, and it will be a fully featured phone. I did exactly this on a recent trip to mexico; I dow...

So, I've turbotax'd again and printed 26pages. But, I don't usually delete the turbotax file, i make it hidden and remove the ability for a user to read/write it, What do other people do with sensitive information on one's HD ? I'm tempted to upload it to google drive, for which I have 2 step verifi...

i'm trying to run android, with no gmail account, only a google voice account. it just took the cell number, and brought it from google account 1 to google account 2 (the extra pristine one, i don't use often). emailing me that google account 1 (g voice) will no longer ring the cell phone number... ...

LH wrote:0

I have not read a reason to own foriegn bonds as of yet.

But I am open to it if someone has a reason to share : )

mike piper tweeted this one :
http://money.cnn.com/2013/05/01/investi ... index.html

Watch out, some of the recapture can come back as these as well from my understanding. its just not worth hold them in the IRA plain and simple OK, could you please explain the "recapture" and "plain and simple" parts :) ; I inherited these 2 positions, and am fine with selling ...

well what happens with the 2 SIM cards, that I bought at radioshack, 1 was for ATT/net10, the other for Tmobile, if I just let net10 expire, and don't pay at the end of the month, can I still reuse the SIM card ? or how would i use these SIM cards with a pay as you go plan ? or can I ? use ATTs pay ...

uh, so if I ever get a V code > $1000, which is quite possible, I am supposed to notify Vanguard's IRA dept and THEY file ?

this year I got the form on like April 13th.. The K-1


I'm inclined to just sell the stock, if this is how it works

in BH fashion, I have a dumb phone from work , a google voice number and obihai, and don't get bunch of calls, but would like to use certain app's like google authenticator. I have an unlocked GSM samsung galaxy mini S with a net10 SIM card now. net10 is only 2G , and customer service is a swamp, i ...

Hi pshonore, thx again for responding. The K-1 forms, are sent to me, but there is never anything for ME to do with them? So, why are they sending them to me, is what I guess I'm asking ....

bit confused then, why the 1099s get sent to the owner of the fund/stock, maybe it should say in bold letters, that the IRA is the only one, who evers must bother with the IRS ?

Would it be unusual to have > $1000 in Code V UBTI ; I'd almost rather sell the stock/fund than have the hassle of last minute shuffling of 1040 return data

We have 2 investments that generate K-1s in an IRA at this time

ok thank you.

ah, yes, i see code A and B only, missed the part about which code.

many thx once again

Hello, we are working with a CPA, to file a return for a parent. they just got their K-1s, i am reading that line 20 if > $1000 ; has to be put on the 1040. in our case, on line 20 there are two amounts investment income $925 and investment expenses $200, together they Do add up to > $1000.00 ; or t...

is there any way to recharacterize, what has already been taken ; to a roth or to apply it to taxes or such ? seems VG should have caught the oversight.. hmm

I just realized, that the FMV for year end 2012 is/was the full value of our parent, who passed in late 12/12. So, for tax year 2013(my brother inherited 50/50, in 01/2013): Do we use the FULL value, or 1/2 the FULL FMV ? I will call VG and ask, but any help appreciated.. (my brother seems to have t...

ok, thanks very much, Mike.

Hello, can someone point me to a type of company, where I could get ongoing advice, but not actual handling of the portfolio ?

VG gives me a free 'plan' , but I need a broader evaluation of my overall situation and consultant. eg diversification and cash flow beyond securities , etc..

if line 13/14 on 1040 are a positive number, does that mean I HAD no capital loss carryover or not ? sorry if that is a simple question

[quote="kaneohe"] https://www.accuverify.com/1040-tax-transcript-sample.pdf OK sorry was looking at wrong form: so, next to "NET SHORT-TERM GAIN/LOSS" I have $3,998.00 ; next to "NET LONG-TERM GAIN/LOSS" I have -$3,401.00 So, I guess now I have to track down a worksheet...

What is on line 13? so I now have the right 'return transcript' but there are no line numbers, there is a 1099-B section ; but it seems to just show the dividends , qualified and ordinary, how do I figure out if I used/had a capital loss carryover for tax year 2011 from this :) ? Do I just look at ...

jebmke wrote:What is on line 13?

so I now have the right 'return transcript' but there are no line numbers, there is a 1099-B section ; but it seems to just show the dividends , qualified and ordinary, how do I figure out if I used/had a capital loss carryover for tax year 2011 from this ?

Hello,

I can't seem to find on the IRS website the rule for when the 1st RMD must be taken for a Beneficiary IRA. I'm pretty sure it's the year following the year someone passes?

We had family member pass, 12/2012; So, am I right the Initial RMD can/must be taken in 2013 ?

Thank You

i believe the IRS online page, its a bit hidden, what one's options to order are, so maybe someone will read this, and be the better for it. no line 13 on 'an account transcript'

Apparently, what I received (an 'account transcript') doesn't include that. So, reordered a 'return transcript' . I just received 1 page. with AGI, 'taxable income', 'tax per return', SE taxable income, taxpayer', and various 'codes' that don't include line 41. They will only issue by internet to my...

OK, I received the 'transcript' , it is one page, and does not seem to include anything that I can use, to discern, if I did or did not have a capital loss carryover. I thought there was an option to get all the schedules I received an "account transcript" ; wondering if a "return tra...

extension crossed my mind, but I was/am worried, where it states that one needs to pay what they think they owe, as I've no idea, so my question: how close does the 'estimation' supposed to be? Is there some penalty if its way off , etc ?

ok and the "capital loss carryover worksheet" is the same year to year ? trouble is online: one can only have it sent to the old address, from which my mail is being forwarded, so i ordered it, but not sure this kind of thing gets forwarded, and the timeframe to get here by 4/15 so, am goi...

what would be a worse case scenario of "mingling out debts" ; must I have disclosure as to his debts, because he is a fairly private person. perhaps, then the mortgage can just stay in the name of our deceased parent, but that does not really solve the issue ? it would be the same as a dua...

how many years would i need to go back ?

Hello, what does one do if they can't recall if they had capital loss carryover for the previous tax year, and can't find their 1040 forms ? everything lost shoulda been from VG, guess I can look up 3-5 years in the past, but that doesn't really work, as there were various gains as well....... sigh

My decedent parent has a mortgage at 5.75% 30 yr fixed, I am looking at "no cost" refi at 20 or 30 fixed ; However : the mortgage company is telling me that the new mortgage would have to be in my name or the future "tenant in common" ( my brother , who is 1/2 beneficiary ) hence...

Hello, I realize this is a new topic but here goes: My decedent parent has a mortgage at 5.75% 30 yr fixed, I am looking at "no cost" refi at 20 or 30 fixed ; However : the mortgage company is telling me that the new mortgage would have to be in my name or the future "tenant in common...

california

yes, that is right, the book i'm reading states that unsecured debt that was the decedent's need not be paid by the executer, esp if there are no cash assets...

i paid visa $3000 , when it should be forgiven , as it was not mine, nor the estate's debt, as there was not enough cash in the estate the estate paying for it, means i am losing it, as i am the estate as the beneficiary not sure where i confused you my 2nd question, is does a trust have the right t...

thanks, well i am both the trustee and 1/2 beneficiary of the trust. i paid her credit card debt $3000 out of my own pocket. but, if the trust pays me back, or my sibling pays 1/2 it doesn't solve much, as the sibling intends to. i'm wondering if i can call the credit card company and say, hey that ...

well since i'm the bene for the trust and the trustee, i'd just be taking money from myself. attourney seem to charge big bucks for any questions ; maybe, i could just ask one i have not hired yet . i'm sort of wondering if i really did do the wrong thing. there was no cash in the estate just the ho...

thanks for replys, so yes, i have a trust attourney, but they charge $50 an email. so, i'm just asking here, not relying on it. somehow, it seems to me, if the property comes out of trust and i 'buy out' my sibling, then it is titled in my name, that might have some bearing on the loan so, just aski...

Hello, Trust creditor question, do I NOT need to post one ? With a revocable living trust NOT probate-able. Do I NOT need to advertise a "letter to creditors" ? The books I'm reading, seem to just have it in the probate section, but then don't mention anything in the Trust sections, etc thx!

Hello. My parent had their home titled in the revocable living trust, I am now paying their mortgage until 120 days passes, when I'm told I can retitle the property. However, I am concerned that I may not be able to inherit, her mortgage position, especially as there are 2 beneficiaries, and I may b...