Search found 540 matches

by Almost there
Thu Nov 17, 2016 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Stopped using Credit Card
Replies: 8
Views: 1128

Re: Stopped using Credit Card

Thank you for all your speedy responses.

No there is no annual fee. My credit score 810 and I only owe on the mortgage my partner and I took out a year ago.

I will then go ahead and cancel it.

Almost there
by Almost there
Thu Nov 17, 2016 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Stopped using Credit Card
Replies: 8
Views: 1128

Stopped using Credit Card

About 3 years ago I stopped using my MasterCard from Sears/citi. How do I go about getting rid of it? Do I write or call them?
Presently I have 3 other credit cards which I pay off monthly.

Almost there
by Almost there
Mon Oct 31, 2016 3:55 pm
Forum: Investing - Theory, News & General
Topic: AAII on Robo Advisors
Replies: 4
Views: 812

Re: AAII on Robo Advisors

Received a letter from VG today recommending their Personal Advisor Services. Though their Personal Advisor Services probably is a good idea for people who don't want to manage their portfolio, it scares me that someone else would manage my portfolio. For now I will pass on it and continue learning ...
by Almost there
Sat Oct 29, 2016 11:25 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 76
Views: 6473

Re: Instant oatmeal vs "regular" oatmeal

I just prefer eating my oatmeal cold.
by Almost there
Sat Oct 29, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 76
Views: 6473

Re: Instant oatmeal vs "regular" oatmeal

Miriam 2 wrote: Miriam2 » Sat Oct 29, 2016 7:22 pm Almost there wrote: Buy regular NON GMO oatmeal. I add 3/4 cup of oatmeal and 3/4 cup of water (1:1) to a glass dish. Then add raisins and nuts. Cover the dish tightly and place overnight in the refrigerator. Next morning, I add cinnamon, cut up app...
by Almost there
Sat Oct 29, 2016 6:03 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 76
Views: 6473

Re: Instant oatmeal vs "regular" oatmeal

Buy regular NON GMO oatmeal. I add 3/4 cup of oatmeal and 3/4 cup of water (1:1) to a glass dish. Then add raisins and nuts. Cover the dish tightly and place overnight in the refrigerator. Next morning, I add cinnamon, cut up apples (or bananas) and milk (about 1/2 cup) And voila. You are done witho...
by Almost there
Sat Oct 29, 2016 5:13 pm
Forum: Personal Consumer Issues
Topic: Shipping a car
Replies: 13
Views: 1057

Re: Shipping a car

A D Auto Transport
623-308-6427

Can highly recommend them. Shipped my Toyota from NJ to AZ. Was there in 2 days. 3 guys driving around the clock. Would highly recommend having your car shipped inside a truck.
by Almost there
Sat Aug 27, 2016 4:35 pm
Forum: Personal Consumer Issues
Topic: Farmer's insurance
Replies: 14
Views: 1004

Re: Farmer's insurance

Thank you for your input.
by Almost there
Sat Aug 27, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: Farmer's insurance
Replies: 14
Views: 1004

Re: Farmer's insurance

Hey at least I know I can trust him.
by Almost there
Sat Aug 27, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Farmer's insurance
Replies: 14
Views: 1004

Re: Farmer's insurance

Thanks
by Almost there
Sat Aug 27, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Farmer's insurance
Replies: 14
Views: 1004

Re: Farmer's insurance

Thank you.
I have not contacted this agent since I'm always wary about "some other agent offering lower rates " than others. I will stay with the agent I have because good service counts too.

Almost there
by Almost there
Fri Aug 26, 2016 9:32 pm
Forum: Personal Consumer Issues
Topic: Farmer's insurance
Replies: 14
Views: 1004

Re: Farmer's insurance

Yes thank you for your time.

Almost there
by Almost there
Fri Aug 26, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: Farmer's insurance
Replies: 14
Views: 1004

Re: Farmer's insurance

That's just it. The pricing will not be the same since others have changed.
I just want to know if another agent will have access to our insurance info?

Almost there
by Almost there
Fri Aug 26, 2016 7:46 pm
Forum: Personal Consumer Issues
Topic: Farmer's insurance
Replies: 14
Views: 1004

Farmer's insurance

In October our auto and homeowner’s insurance are due. A local Farmer’s insurance agent always advertises lower prices and people in our community are happy with the service he provides. If I were to call him, will he have access to our information since it is the same insurance company? BTW, the ag...
by Almost there
Tue Aug 09, 2016 3:28 pm
Forum: Personal Consumer Issues
Topic: Medigap Insurance
Replies: 14
Views: 1475

Re: Medigap Insurance

As I previously mentioned, Using United Healthcare in AZ, Plan N. Paying $111/month The monthly payment is automatically deducted from my checking account which saves me time and money. I had some unforeseen surgery this year (total $6,300). I paid $20 for the office visit and $150 deductible, which...
by Almost there
Tue Aug 09, 2016 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to Roth IRA conversion
Replies: 31
Views: 2171

Re: IRA to Roth IRA conversion

Peter Foley wrote: So were these inherited or gifted EE bonds? If inherited, there is another angle to explore. If the person filing the taxes for the deceased listed accrued interest up to the date of death, you would only owe income taxes which accrued after the date of death. My guess is that thi...
by Almost there
Tue Aug 09, 2016 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to Roth IRA conversion
Replies: 31
Views: 2171

Re: IRA to Roth IRA conversion

Thank you SGM for your input. I am very much concerned with how much I will be taxed when I start RMDs.

Almost there
by Almost there
Mon Aug 08, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to Roth IRA conversion
Replies: 31
Views: 2171

Re: IRA to Roth IRA conversion

Peter Foley wrote: So four $1000 savings bonds would have cost $2,000. The rest is interest. When you cashed in the bond you should have received something from the bank stating the amount of interest. If you still have the serial number of the bond you can look it up on line. I would do an estimate...
by Almost there
Mon Aug 08, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to Roth IRA conversion
Replies: 31
Views: 2171

Re: IRA to Roth IRA conversion

Nbseer wrote: Another strategy of Roth conversions which I'm planning to use is to build up a cache of tax-free money for potential large future expenses, like a retirement property, big home maintenance projects, etc. Doing conversions from the tIRA into a Roth, keeping to the 15% marginal tax brac...
by Almost there
Mon Aug 08, 2016 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to Roth IRA conversion
Replies: 31
Views: 2171

Re: IRA to Roth IRA conversion

JW-Retired wrote: As you are single I don't understand how you can increase your Social Security to $28,000 at age 70 if you are already taking it at age 68? Is it widow/widower benefits now? Or something like that? I took lower Social Security from age 66 - 70 based on my ex-husband's Social Securi...
by Almost there
Mon Aug 08, 2016 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to Roth IRA conversion
Replies: 31
Views: 2171

Re: IRA to Roth IRA conversion

Retiredjg wrote: Again, I'm not sure I'm the best person to help with this. However, we now know that for 2015 you were in the 10% federal bracket. It appears that 2016 will be the 15% bracket ($16k SS + $6.4k EE bonds + about $1.5k gains and dividends = $24k income minus std deduction and personal ...
by Almost there
Mon Aug 08, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: Connections that save you money
Replies: 51
Views: 7038

Re: Connections that save you money

Nice HR Director, however, at least she was honest. While working, I one time asked our HR Director why she chose a specific firm, she answered because someone had told her it was a good idea. She personally had no knowledge about finances and had never done her own income tax. And these people make...
by Almost there
Mon Aug 08, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to Roth IRA conversion
Replies: 31
Views: 2171

Re: IRA to Roth IRA conversion

Retiredjg wrote: One thing that I'm curious about, you said that you have "about $200,000 in IRA funds (which have not been taxed)". A previous post several months ago says that your IRA was worth $359k. This means there are 2 different interpretations of what you have. - You have an IRA w...
by Almost there
Mon Aug 08, 2016 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to Roth IRA conversion
Replies: 31
Views: 2171

Re: IRA to Roth IRA conversion

Thank you, JW-Retired, who wrote:

Anything you convert will add to your taxable income. The tax is depends on how much of that you have. What was your taxable income shown on line 43 of your 1040 last year?


$7,228
by Almost there
Sun Aug 07, 2016 7:43 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1086
Views: 184836

Re: What are you up YTD? [Year To Date]

Oh thank you Moshe for your input. I didn't know you were writing about exchange traded funds.
Appreciate your time and effort explaining it to me including giving me the Vanguard's website.

Almost there
by Almost there
Sun Aug 07, 2016 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to Roth IRA conversion
Replies: 31
Views: 2171

Re: IRA to Roth IRA conversion

Thank you for writing back and asking more questions, retiredjg. I have about $200,000 in IRA funds (which have not been taxed) and also Roth IRA and cash accounts all with Vanguard. I now read here that it will be advantageous for me to do IRA to Roth IRA conversion. Am single, live in Arizona and ...
by Almost there
Sun Aug 07, 2016 7:03 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1086
Views: 184836

Re: What are you up YTD? [Year To Date]

Thank you Moshe for the input: TSM = Total Stock Market. Symbol: VTI or ITOT TBM = Total Bond Market. Symbol: BND or AGG TISM = Total International Stock Market. Symbol: VXUS or IXUS Now I am more than before confused. For Total Stock I use: VTSAX For Total Bond I use: VBTLX For International Stock ...
by Almost there
Sun Aug 07, 2016 6:39 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1086
Views: 184836

Re: What are you up YTD? [Year To Date]

I just wish when people are using initials, they would also explain what the initials stand for. It is truly frustrating. Each posting should stand on its own two feet so the reader will understand the posting.

? TSM, ? TBM, ? TISM

Almost there
by Almost there
Sun Aug 07, 2016 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to Roth IRA conversion
Replies: 31
Views: 2171

Re: IRA to Roth IRA conversion

Thank you Chicago60, however, this doesn't let me know how much it'll cost.

Almost there
by Almost there
Sun Aug 07, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1086
Views: 184836

Re: What are you up YTD? [Year To Date]

Thank you Moshe: Here is a simple formula you can use: (current value/beginning value) -1. If you want more precise you could use the XIRR function of Excel to produce an annual return and them compensate for actual time that has passed since beginning value date. If you reinvested your dividends yo...
by Almost there
Sun Aug 07, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to Roth IRA conversion
Replies: 31
Views: 2171

Re: IRA to Roth IRA conversion

Thank you retiredjg.
by Almost there
Sun Aug 07, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Medigap Insurance
Replies: 14
Views: 1475

Re: Medigap Insurance

Using United Healthcare in AZ, Plan N.
Paying $111/month

Also check if your husband is eligible for Medicare because you are already receiving it. If not, he should be able to receive COBRA.

Almost there
by Almost there
Sun Aug 07, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: Connections that save you money
Replies: 51
Views: 7038

Re: Connections that save you money

drawpoker wrote: With the exception of Martha Stewart Living I NEVER renew magazine subscriptions when I get the renewal notice. Never. I ignore all the reminders too. After the subscription has actually lapsed - not long afterwards in the mail here comes the rock-bottom "We Want you Back"...
by Almost there
Sun Aug 07, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to Roth IRA conversion
Replies: 31
Views: 2171

IRA to Roth IRA conversion

I have been unable to find any help on a conversion. Could someone please direct me to a websight? I am already retired.

Almost there
by Almost there
Sun Aug 07, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 14349

Re: SSA MANDATORY cell phone based multifactor authentication

Logged on yesterday to check on my SS account and had to give me phone # for verification. I was then sent an authorization code as a text message. Logged in using the code and it worked just fine. I also was given a choice on how I want to receive future authorization codes. I log into SS every 4-5...
by Almost there
Thu Aug 04, 2016 3:54 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1086
Views: 184836

Re: What are you up YTD? [Year To Date]

Asset Allocation:
55% stocks
45% bonds

How do I find out how much money I made?
All my funds are with VG.
Do I look at the return for each fund?

Almost there
by Almost there
Tue Jul 26, 2016 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 898
Views: 102523

Re: What's Your Credit Card Rewards Strategy?

Congratulations, giesen5.
by Almost there
Mon Jul 25, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 898
Views: 102523

Re: What's Your Credit Card Rewards Strategy?

I have been using AMEX Blue Cash Card for quite a number of years. Just received a letter from AMEX stating that my Blue Cash card will be discontinued and I will receive the Blue Cash Everyday Card which offer cash back on purchases of 3% in US supermarkets, 2% US gas stations, 2% US department sto...
by Almost there
Fri Jul 15, 2016 7:56 pm
Forum: Forum Issues and Administration
Topic: Problem with cell phone + this website
Replies: 30
Views: 2602

Re: Problem with cell phone + this website

Oicuryy wrote: They could - it's a setting in phpBB. But they have chosen not to. There is nothing Almost there can do about that. And there is nothing he can do about the way cell service providers dynamically assign IP addresses. This is not a user error. And I didn't know that. I don't have enoug...
by Almost there
Fri Jul 15, 2016 3:06 pm
Forum: Forum Issues and Administration
Topic: Problem with cell phone + this website
Replies: 30
Views: 2602

Re: Problem with cell phone + this website

Thank you Mudpuppy for your time.
by Almost there
Fri Jul 15, 2016 3:05 pm
Forum: Forum Issues and Administration
Topic: Problem with cell phone + this website
Replies: 30
Views: 2602

Re: Problem with cell phone + this website

Thank you Lady Geek for your input, however, I would never compare financial institutions with this website.
To me they are very different.
by Almost there
Fri Jul 15, 2016 2:12 pm
Forum: Forum Issues and Administration
Topic: Problem with cell phone + this website
Replies: 30
Views: 2602

Re: Problem with cell phone + this website

Thank you Lady Geek for your input.

Almost there
by Almost there
Fri Jul 15, 2016 1:12 pm
Forum: Forum Issues and Administration
Topic: Problem with cell phone + this website
Replies: 30
Views: 2602

Re: Problem with cell phone + this website

Thank you.
I checked my settings, and allow from websites I visit was checked. Is that correct?
by Almost there
Fri Jul 15, 2016 10:50 am
Forum: Forum Issues and Administration
Topic: Problem with cell phone + this website
Replies: 30
Views: 2602

Re: Problem with cell phone + this website

Thanks. As I mentioned I only have problems with BH and no other.
by Almost there
Fri Jul 15, 2016 9:39 am
Forum: Forum Issues and Administration
Topic: Problem with cell phone + this website
Replies: 30
Views: 2602

Re: Problem with cell phone + this website

Thanking you both for your answers. Just note that I access both of my email accounts, Facebook and others and don't have to re-enter my login and password. That is why I think it is a Bogleheads issue and not my phone.

Almost there
by Almost there
Thu Jul 14, 2016 11:02 pm
Forum: Forum Issues and Administration
Topic: Problem with cell phone + this website
Replies: 30
Views: 2602

Re: Problem with cell phone + this website

Yes I wrote that also in my original text.

An IT from Bogleheads needs to take a look at this.

Almost there
by Almost there
Thu Jul 14, 2016 4:35 pm
Forum: Forum Issues and Administration
Topic: Problem with cell phone + this website
Replies: 30
Views: 2602

Problem with cell phone + this website

I added a comment to a posting and then was notified via email when a new comment was added. Using my iPhone, I clicked on the link from Bogleheads which usually brings me right to the comment section. However, instead it brought me to a link where I had to login, giving my Username and Password. I ...
by Almost there
Wed Jul 13, 2016 7:31 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 164
Views: 10246

Hiking questions

Since the OP didn't mention where he will be hiking, I want to let you know that after moving to Arizona, I joined a local hiking club since hiking is so different in the dessert. Usually we leave around 6:30 A.M. while it is very cool and will return around noon when it is very hot. So wearing laye...
by Almost there
Fri May 13, 2016 6:34 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 61
Views: 7341

Re: Jim Cramer doesn’t beat the market

I am always amazed how so many hard working people fall for all kinds scams or suggestions on how to make a fast buck. Then they are surprised when something goes wrong. Just heard another sad story from a guy who invested most of his retirement in a scam and he lost all of his money. Remember Madof...

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