Search found 513 matches

by AAA
Thu May 05, 2016 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 45
Views: 1061

Re: Do you check credit card statements?

surfstar wrote:Why? $0 fraud liability is still $0, whether they charged $1.21 or $12,100


But how would you know a fraud was committed unless you check the statement?
by AAA
Thu May 05, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 45
Views: 1061

Do you check credit card statements?

We've been doing this for years. We sit down with the statement and a pile of receipts and check them off one by one. Over the years we've found a couple of issues. For example, there was a double billing for a gas station charge, duplicate entries one right after the other. I always figured that ev...
by AAA
Mon May 02, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Medicare help!
Replies: 25
Views: 2008

Re: Medicare help!

When I was approaching that time, I looked through Medicare for Dummies and got a good overview of things. The free booklet from Medicare may be just as helpful. One thing I always tell people in your position is that there is no annual out of pocket limit in traditional Medicare, so look into a Med...
by AAA
Fri Apr 29, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Determining state residency
Replies: 5
Views: 506

Re: Determining state residency

Just to clarify - the person attending the out of state school is a dependent on my return. And this is not about qualifying for in-state tuition - there's an assistantship offer that includes that.
by AAA
Fri Apr 29, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 5098

Re: What's become of Consumer Reports?

I usually just bought the automobile issue but was disappointed when the format changed recently. Also, with regards to other items such as appliances and electronics, models would change every few months so that the recommended ones were often no longer available. You had to assume that models with...
by AAA
Fri Apr 29, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Determining state residency
Replies: 5
Views: 506

Determining state residency

The situation is - attendance at out of state graduate school starting this Fall. Doing 2016 taxes is a ways off, but we'd like to understand the situation at this time. Say A = current state of residence, B = state where school is located. So in 2016 there will be about four months living in state ...
by AAA
Wed Apr 27, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 105
Views: 10849

Re: I Hate My Job: Politics at Work (Advice Needed)

Just to give the OP a little support here - from personal experience, it is very demoralizing to have someone else take credit for one's work. We are not at your workplace so we can't fully understand the politics in play. Just be guided by the fact that such things are not unique to there. As I men...
by AAA
Wed Apr 27, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 105
Views: 10849

Re: I Hate My Job: Politics at Work (Advice Needed)

Rightly or wrongly, what you are experiencing is probably the norm. When I started my career, I was under a more senior person and he tended to portray whatever I did as a continuation of things he did in the past. While some overlap was unavoidable, as we were working in the same area, I felt it d...
by AAA
Tue Apr 26, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 105
Views: 10849

Re: I Hate My Job: Politics at Work (Advice Needed)

Rightly or wrongly, what you are experiencing is probably the norm. When I started my career, I was under a more senior person and he tended to portray whatever I did as a continuation of things he did in the past. While some overlap was unavoidable, as we were working in the same area, I felt it di...
by AAA
Sun Apr 24, 2016 3:15 pm
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 45
Views: 2350

Re: Thinking about Mac (vs Windows)

azurekep wrote:
Ged wrote:Thanksgiving and Christmas is the time to buy deeply discounted computers and I'll snag either a Mac or a Windows 7 machine then -- though even Win7 business machines may no longer be on the market by then.


How much longer will Microsoft continue to support Win7 ?
by AAA
Thu Apr 21, 2016 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Service to simplify brokerage statements for mom?
Replies: 12
Views: 893

Re: Service to simplify brokerage statements for mom?

I inherited a small account at a full service broker and frankly found their statements to be confusing myself, what with all the +'s and -'s. Maybe your mom only needs/wants to see the summary page listing the individual positions and their value, plus the total value of the account.
by AAA
Thu Apr 21, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Dividend Taxation
Replies: 7
Views: 458

Re: Qualified Dividend Taxation

I was shocked a couple of years ago when I finished my taxes and as a test added $100 to my income in the tax program. My refund reduced by $50, an effective 50% marginal tax rate. This can happen if you are claiming certain tax credits or deductions and your income is in the range where those benef...
by AAA
Thu Apr 21, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: State Estimated Taxes, Can I lump pay ? Anyone else do this?
Replies: 23
Views: 1416

Re: State Estimated Taxes, Can I lump pay ? Anyone else do this?

kwan2 wrote:1st quarter due date here is April 20th, so do I mail a late Voucher, or just use the next quarter's voucher? guess I can give them a call :)


I would think what's relevant is how much you send and when it is received, not the actual voucher you use or even if a voucher is used.
by AAA
Thu Apr 21, 2016 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Son was on spouse's enployer family plan health insurance,but ineligible soon- need input -
Replies: 24
Views: 2064

Re: Son was on spouse's enployer family plan health insurance,but ineligible soon- need input -

Some employer health insurance plans allow for continuation of coverage past age 26 for handicapped children. It would be worth at least asking about it.
by AAA
Wed Apr 20, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: State Estimated Taxes, Can I lump pay ? Anyone else do this?
Replies: 23
Views: 1416

Re: State Estimated Taxes, Can I lump pay ? Anyone else do this?

I do that for PA. I just use the first of the four forms they send me each year and pay the full estimated amount with it. No one has complained.
by AAA
Fri Apr 15, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 3654

Re: Meeting with a Fidelity Financial planner, is it useful?

I recently transferred an inherited account I had at a full-service broker to Fidelity, to have a little diversification from Vanguard. When I first called to find out the procedure, I was surprised when the rep started asking me questions about my investment goals, assets, etc, which I politely dec...
by AAA
Mon Apr 11, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Social Sec Web Login
Replies: 7
Views: 687

Re: Social Sec Web Login

kenschmidt wrote:
HueyLD wrote:Call SSA for help.


Make sure you block off some time before you call as wait times often run 30-45 minutes and up.


True, but do they still offer to call you back at a later time? At least you don't have to stay on the line all that time.
by AAA
Mon Apr 11, 2016 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Document Retention
Replies: 13
Views: 1664

Re: Document Retention

Ged wrote:NJ compensates for that by adjusting the amount of income you are taxed on when you withdraw. It is a record keeping nightmare.


Do you happen to know if the same applies to PA income taxes?
by AAA
Fri Apr 08, 2016 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Document Retention
Replies: 13
Views: 1664

Re: Document Retention

New Jersey taxes contributions to IRAs and 401Ks. This year was the first year I had IRA withdrawals. In order to calculate my state taxes on my IRA withdrawals I had to go back the 24 years I've lived in NJ to get my IRA and 401K contributions. Fortunately I had this in my files. If you live in a ...
by AAA
Fri Apr 08, 2016 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax problems with state taxes--income tax to other states
Replies: 4
Views: 444

Re: TurboTax problems with state taxes--income tax to other states

I worked in one state and lived in another. My W-2 listed income for the first state and a higher amount for the second (as it doesn't allow for before tax contributions to 401K plans). The tax programs always required fine tuning when it came to doing my resident state return as it ADDED the two W-...
by AAA
Fri Apr 08, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Document Retention
Replies: 13
Views: 1664

Document Retention

Our township is having a recycling day that includes a commercial paper shredder. I would like to get rid of a lot of stuff I’ve accumulated over the years but want to make sure to not permanently lose any useful information. Any input/encouragement on the following is appreciated: o Old credit card...
by AAA
Fri Apr 08, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: IRS cashed unsigned check
Replies: 40
Views: 4244

Re: IRS cashed unsigned check

I get a kick out of the store credit card processors that require an onscreen signature for amounts over $25. No matter how badly I sign the screen it goes through. I have used straight up and down lines or even "John Hancock" yet it always goes through :oops: I was taken back a bit when ...
by AAA
Thu Apr 07, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: How do you use AmEx reward dollars to pay bill?
Replies: 13
Views: 1070

Re: How do you use AmEx reward dollars to pay bill?

Our Amex card allows you to select a cash credit on the next bill. Maybe you should call customer service.
by AAA
Thu Apr 07, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: Anything to look for when buying a fridge?
Replies: 38
Views: 2902

Re: Anything to look for when buying a fridge?

I can tell you some of the annoyances I have with our current Whirlpool: o The inside light at the top has no guard around it (I had called Whirlpool to see if a part was missing and they said there is no guard). So I always have been avoiding putting bottles on the right side of the top shelf out o...
by AAA
Mon Apr 04, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Contibution Rules
Replies: 8
Views: 509

Re: Roth IRA Contibution Rules

The $183,000 limit for 2015 for full Roth contributions was combined MAGI (Modified Adjusted Gross Income). Your MAGI is your income minus some adjustments and exclusions [401(k) contributions, student loan interest, etc.] plus any tax-exempt interest. If you're close, you just have to go through t...
by AAA
Thu Mar 31, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Photography business early stage, tax and other
Replies: 16
Views: 957

Re: Photography business early stage, tax and other

I second the suggestion to analyze the viability of the business. It's a very difficult field these days. The last "event" I went to, a luncheon for someone turning 80, was attended by about 50 people and a relative took all the photos with his mid-range DSLR. A lot of news organizations h...
by AAA
Thu Mar 31, 2016 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 92
Views: 8983

Re: leaving vanguard due to math errors / poor customer service?

...4. As for keeping it simple? Why are they forcing people to move to brokerage accounts?... Are they forcing it? When someone I know did it, they found it inconvenient as they had to apply in snail mail for check writing privileges with the new MM account. Not sure why they couldn't just carry th...
by AAA
Thu Mar 31, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 92
Views: 8983

Re: leaving vanguard due to math errors / poor customer service?

I was thinking for a while now to move an inherited IRA from one of the major brokerage firms because of the fees. I decided today to move it to Fidelity, where I already have some assets, based on my leaning toward not having everything in one basket and maybe a little nudge from reading this threa...
by AAA
Tue Mar 29, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: corrected Consolidated Form 1099
Replies: 18
Views: 591

Re: corrected Consolidated Form 1099

...As for identity theft, I don't see how filing a tax return is going to prevent someone from getting a credit card in my name. I was referring specifically to identity theft related to income taxes. Some people file their return and then get notified by the IRS that a return has already been file...
by AAA
Mon Mar 28, 2016 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: corrected Consolidated Form 1099
Replies: 18
Views: 591

Re: corrected Consolidated Form 1099

In today's world one needs to consider identity theft, which is becoming an increasing problem with the IRS. The advice for that is to file as early as possible.
by AAA
Thu Mar 24, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: CD's in secondary market
Replies: 3
Views: 331

Re: CD's in secondary market

In looking at prior threads, the disadvantages of buying cd's in the secondary market include loss of FDIC protection if the bank fails and you purchased the CD above par and a commission charged at purchase time. Anything else? This does not sound right. I would think that the par amount would rem...
by AAA
Thu Mar 24, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: CD's in secondary market
Replies: 3
Views: 331

CD's in secondary market

If a CD is offered above or below par value, does the quoted yield to maturity include the loss or gain you get when the cd matures? When a CD that is bought above/below par matures, do you have a capital loss/gain at tax time? Are there complications here, such as having to file something each year...
by AAA
Tue Mar 22, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Replace auto wiper blades vs inserts
Replies: 31
Views: 2627

Re: Replace auto wiper blades vs inserts

A word of caution - I was replacing blades on a previous car. The windshield wipers were in the extended position away from the windshield, without the new blades in yet, and I accidentally caused one of them to slam down onto the windshield causing it to crack.
by AAA
Fri Mar 11, 2016 10:02 pm
Forum: Personal Consumer Issues
Topic: Auto Emission Testing
Replies: 3
Views: 419

Auto Emission Testing

I brought my car in for servicing and a PA state inspection and was told that because I drove less than 5K miles since my inspection a year ago, the emissions testing didn't have to be done. But when I got home after picking up my car, I saw on the paperwork that there was a labor charge related to ...
by AAA
Mon Mar 07, 2016 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Reminder: check the math when using tax software
Replies: 20
Views: 3554

Re: Reminder: check the math when using tax software

... TurboTax probably asked you about residency, but you missed or misunderstood the question... And check the return of your resident state as well. The states give a credit for double-taxed income, so if you paid too much tax to your nonresident state, you may have gotten too much of a credit in ...
by AAA
Sun Mar 06, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Reminder: check the math when using tax software
Replies: 20
Views: 3554

Re: Reminder: check the math when using tax software

For years, I had been doing by hand the non-resident return for the state where I worked - it's just two pages long. Two years ago, I decided to splurge and download TurboTax for that state in addition to my resident state. I noticed it made an entry on a line that I usually left blank. I didn't thi...
by AAA
Fri Mar 04, 2016 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: How close do you plan on waiting to pay for Income Tax?
Replies: 34
Views: 2283

Re: How close do you plan on waiting to pay for Income Tax?

With interest rates so low I don't see that it much matters. Even if you owe $20,000 (due to some larger than expected bonus, ESPP/RSU cashout or whatnot) - if you hold that in a 1% savings account you will only pocket an extra $16 by waiting an extra month. And you'll only keep about $12 after pay...
by AAA
Fri Mar 04, 2016 10:09 am
Forum: Personal Finance (Not Investing)
Topic: How close do you plan on waiting to pay for Income Tax?
Replies: 34
Views: 2283

Re: How close do you plan on waiting to pay for Income Tax?

With all the talk about identity theft and the IRS, wouldn't it be wise to file as early as possible? Even if you owe a non-trivial amount, how much interest will you make by holding on to it for another few weeks?
by AAA
Thu Mar 03, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Card
Replies: 39
Views: 2280

Re: Medicare Card

Sheepdog wrote:
Grasshopper wrote:Would just carrying my Medigap card work as well as my Medicare card?
No, it does not. They need both. Medicare is your primary payer.


But if you have a Medicare Advantage plan, the card for that is sufficient and there is no need to present the Medicare card.
by AAA
Wed Mar 02, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Card
Replies: 39
Views: 2280

Re: Medicare Card

I was very surprised to see in this day and age that the Medicare card has one's Social Security number on it. I think I heard that the government is finally doing something about this - not sure what and not sure when. I have a Medicare Advantage plan. I remember asking before signup if they put th...
by AAA
Mon Feb 29, 2016 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Question about amended returns
Replies: 9
Views: 841

Re: Question about amended returns

If there is tax paid to the resident state and the nonresident state return is amended to generate a refund, there may be a need to also amend the resident state return to reflect a reduction in the credit for tax paid to the nonresident state. Sometimes it's not worth amending the nonresident retu...
by AAA
Sun Feb 28, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: Another frugality question
Replies: 35
Views: 4033

Another frugality question

Sometimes when purchasing an item, such as a pair of sneakers, there are several color choices and they are not always the same price. This could be because some of the less popular colors are being discounted or maybe the manufacturer just thought people would spend more for a more attractive item....
by AAA
Sun Feb 28, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Move 1M from 401k at 59 ½ ?
Replies: 19
Views: 2989

Re: Move 1M from 401k at 59 ½ ?

One other thing - as I mentioned above, I did a direct rollover of part of my 401K to Vanguard traditional and Roth IRA's. One thing I was kind of dreading was tax return implications. But really it was very easy and handled on one line on the 1040 form. I got a tax form from the 401K custodian and ...
by AAA
Sat Feb 27, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Question about amended returns
Replies: 9
Views: 841

Re: Question about amended returns

If there is tax paid to the resident state and the nonresident state return is amended to generate a refund, there may be a need to also amend the resident state return to reflect a reduction in the credit for tax paid to the nonresident state. Sometimes it's not worth amending the nonresident retu...
by AAA
Fri Feb 26, 2016 8:58 pm
Forum: Personal Consumer Issues
Topic: Zenni Eyeglasses
Replies: 6
Views: 1359

Re: Zenni Eyeglasses

I got my first pair i have ordered from Zenni. Quite happy except I did not realize I needed to measure frame measurements. I've ordered a few pair of glass from Zenni but am not sure what you mean by measuring the frame. All they asked for were the prescription and the distance between pupils. One...
by AAA
Fri Feb 26, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Question about amended returns
Replies: 9
Views: 841

Re: Question about amended returns

The federal returns were correct at the time based on what was actually paid in state income taxes at the time. So the state tax, if I redo it, will use the same federal numbers. I just have to change one line of the state return, where the mistake was made. If I go ahead and do the amended state re...
by AAA
Fri Feb 26, 2016 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Question about amended returns
Replies: 9
Views: 841

Question about amended returns

I just realized that I made a mistake the last two years in a nonresident state return. Instead of owing, say, x dollars, I should have received y dollars as a refund. So if I file amended returns, they should give me x + y back for each year (2013 and 2014). My question is how this affects the fede...
by AAA
Thu Feb 18, 2016 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Should I bother itemizing tax deductions?
Replies: 70
Views: 7351

Re: Should I bother itemizing tax deductions?

For the first time in many years, I will not be itemizing deductions as the standard deduction is higher. At first I was surprised by this but then figured out that after I retired early last year I stopped paying the high income tax in the state where I had worked - the absence of that deduction is...
by AAA
Sun Feb 14, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a new bed recently? [Mattress]
Replies: 49
Views: 4731

Re: Anyone bought a new bed recently?

I'm interested in this also. We could probably use a new mattress but I hesitate to step foot into any of those places because of their business practices.
by AAA
Tue Feb 09, 2016 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Move 1M from 401k at 59 ½ ?
Replies: 19
Views: 2989

Re: Move 1M from 401k at 59 ½ ?

I did a direct rollover of part of my 401K to Vanguard last year. It was easy to do - just a phone call to my 401K custodian after getting the appropriate addresseses from Vanguard. In fact, Vanguard offered to do a conference call with the custodian. The only issue was that it did take a while for ...

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