Search found 555 matches

by Almost there
Fri Feb 24, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: VG form: Assets by state
Replies: 0
Views: 96

VG form: Assets by state

I received the form from VG titled: Assets by state for VG municipal bonds funds and VG Tax-Managed Balanced Fund Admiral Shares The first sentence states: State nd local governments may require residents to pay intangible or personal property tax on investments. I own: Intermediate Term and Long-Te...
by Almost there
Fri Feb 24, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Personal fulfillment in retirement
Replies: 37
Views: 4999

Personal fulfillment in retirement

In November 2014 I was laid off just before we were traveling to Arizona for vacation once again. We had already planned to visit our friends who had just sold their RV and moved into a 55+ retirement community just south of Phoenix. Though I had planned to retire within a year or so, I had never ev...
by Almost there
Tue Feb 07, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: RMD question
Replies: 20
Views: 2548

Re: RMD question

Wow. Thanks. I'll be 70 in April 2018 so will use 70 then. Will also find the IRS form when I'm back on my computer.
by Almost there
Tue Feb 07, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: RMD question
Replies: 20
Views: 2548

Re: RMD question

Thank you Sport. No it would not be a QCD.

So if I understand correctly, I multiply my funds in my IRA (at the end of the year before I turn 70 1/2) times 4%.
by Almost there
Tue Feb 07, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: RMD question
Replies: 20
Views: 2548

Re: RMD question

Hoops777 wrote: So when one begins to take RMD's is it better to just have VBILX or is it better to have 50% in VCIT and 50% in intermediate treasuries fund and be able to adjust to the ups and downs? I have a similar question: do I make the RMD at the end of the year, quarterly or monthly? Do I spe...
by Almost there
Sun Jan 01, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 76
Views: 7575

Re: H&R Block Tax Software for 2016

Received the disc in the mail. Cost $30 plus state.
by Almost there
Tue Dec 20, 2016 12:51 pm
Forum: Investing - Theory, News & General
Topic: DOW [Will the DOW hit 20,000 before the end of the year?]
Replies: 44
Views: 4907

Re: DOW [Will the DOW hit 20,000 before the end of the year?]

Thank you for letting me know about the contest.
by Almost there
Tue Dec 20, 2016 11:14 am
Forum: Investing - Theory, News & General
Topic: DOW [Will the DOW hit 20,000 before the end of the year?]
Replies: 44
Views: 4907

Re: DOW [Will the DOW hit 20,000 before the end of the year?]

Could you please start a new post about the S&P? This posting is just about the Dow reaching 20,000.
by Almost there
Tue Dec 13, 2016 6:35 pm
Forum: Investing - Theory, News & General
Topic: DOW [Will the DOW hit 20,000 before the end of the year?]
Replies: 44
Views: 4907

Re: DOW

Almost made it today.

19,911.21
by Almost there
Mon Dec 12, 2016 11:38 pm
Forum: Investing - Theory, News & General
Topic: DOW [Will the DOW hit 20,000 before the end of the year?]
Replies: 44
Views: 4907

DOW [Will the DOW hit 20,000 before the end of the year?]

Will the DOW hit 20,000 before the end of the year?

Almost there
by Almost there
Mon Dec 12, 2016 10:29 pm
Forum: Personal Consumer Issues
Topic: Medicare-Supplemental insurance
Replies: 9
Views: 805

Re: Medicare-Supplemental insurance

Do you think it's ok for me to contact Aetna, the new company and ask them this question?
by Almost there
Mon Dec 12, 2016 9:50 pm
Forum: Personal Consumer Issues
Topic: Medicare-Supplemental insurance
Replies: 9
Views: 805

Re: Medicare-Supplemental insurance

That clause is what I'm looking for. Where did you find it in your documents?
by Almost there
Mon Dec 12, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Medicare-Supplemental insurance
Replies: 9
Views: 805

Medicare-Supplemental insurance

The end of November I decided to change from United Healthcare to Aetna which will start 1/1/17. I received approval from Aetna and the January bill has been paid by me (via EFT). On December 1, I had my medical interview with Aetna. On December 4 I fell and broke my wrist and had surgery on Decembe...
by Almost there
Thu Nov 17, 2016 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Stopped using Credit Card
Replies: 8
Views: 1180

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: 1180

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: 837

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: 6908

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: 6908

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: 6908

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: 1157

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: 1112

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: 1112

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: 1112

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: 1112

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: 1112

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: 1112

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: 1112

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: 1558

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: 2225

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: 2225

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: 2225

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: 2225

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: 2225

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: 2225

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: 7168

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: 2225

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: 2225

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: 1288
Views: 210792

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: 2225

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: 1288
Views: 210792

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: 1288
Views: 210792

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: 2225

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: 1288
Views: 210792

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: 2225

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: 1558

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: 7168

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: 2225

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: 14900

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...

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