Search found 504 matches

by Almost there
Tue Jul 26, 2016 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 359
Views: 32984

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: 359
Views: 32984

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: 2039

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: 2039

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: 2039

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: 2039

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: 2039

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: 2039

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: 2039

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: 2039

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: 2039

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: 154
Views: 7781

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: 6809

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...
by Almost there
Fri May 13, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: The 10 Best States to Grow Old in
Replies: 31
Views: 5354

Re: The 10 Best States to Grow Old in

Doesn't matter what the top 10 states are. What does matter is where YOU want to live. Spend some time there, reading local newspapers, getting to know the people and everything around you. Is the weather to your liking? Do you like the snow? Do you like hot weather? How is the local food. Do they h...
by Almost there
Fri May 13, 2016 6:20 pm
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 8617

Re: Buying a house for an adult child (child adult?)

Don't do it. Let the kids continue to rent and let them buy a house when THEY can afford it.
Don't loan money to anyone, especially family. It just never works out as planned.
Save your money you worked so hard for and take a trip. Enjoy your retirement.


Almost there
by Almost there
Fri May 13, 2016 6:03 pm
Forum: Personal Consumer Issues
Topic: Gifted math program for 1st grade
Replies: 66
Views: 6824

Re: Gifted math program for 1st grade

Let your child be a child, please. Don't worry about the gifted program. My nephew attended all the classes and never skipped. Ended up getting his doctorate in nuclear physics. He is now 40 and I asked him about his school experience. He said, he is happy he had a normal childhood and sees now othe...
by Almost there
Fri Apr 29, 2016 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Local Major Bank Recommendations
Replies: 16
Views: 1138

Re: Local Major Bank Recommendations

In October 2015 we moved from NJ to AZ. We looked at various banks and settled on a local credit union. It turned out that the credit union was not able to handle various transactions, so decided once again to look for another bank. Though we checked out Wells Fargo and Chase, but they were so busy ...
by Almost there
Fri Apr 29, 2016 6:41 pm
Forum: Personal Consumer Issues
Topic: Shipping a small SUV from CA to GA
Replies: 9
Views: 1001

Re: Shipping a small SUV from CA to GA

I used Inter-City Auto Transport (800-991-8004). My Camry was inside (along with Ferraris) in their trucks.
Shipped from NJ to AZ and it arrived 49 hours later (2400 miles).
Was very, very pleased with the company and can highly recommend them.

Almost there
by Almost there
Sun Apr 17, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: 1/2/16 Deal - H&R Block 2015 @ Amazon
Replies: 30
Views: 2469

Re: 1/2/16 Deal - H&R Block 2015 @ Amazon

Thanks. So the same as the disc. Always purchased the deluxe version.

PS
Also HR Block did a mistake with the state (NJ). Never calculated the NJ taxes. First time it ever happened.

Almost there
by Almost there
Sun Apr 17, 2016 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: 1/2/16 Deal - H&R Block 2015 @ Amazon
Replies: 30
Views: 2469

Re: 1/2/16 Deal - H&R Block 2015 @ Amazon

I used the disc HR Block sent to me since I missed out on the great Amazon offer. :oops: With the disc I downloaded it for my partner and me and it also included one free state version. 2 Questions for the people who downloaded HR Block via Amazon: were you able to use the software on 2 computers? d...
by Almost there
Wed Apr 13, 2016 5:04 pm
Forum: Personal Consumer Issues
Topic: Shipping a car cross country
Replies: 8
Views: 1040

Re: Shipping a car cross country

Just shipped my Camry cross country from NJ to AZ and used Inter-City Auto Transport: 800-991-8004.
Very pleased with the company and its employees. Everyone was very professional.
Car arrived 49 hours after pickup.

FYI: I used an inside transport vs. an open transport service.

Almost there
by Almost there
Tue Mar 22, 2016 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security W-4V form
Replies: 3
Views: 327

Re: Social Security W-4V form

Thank you.
by Almost there
Mon Mar 21, 2016 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security W-4V form
Replies: 3
Views: 327

Social Security W-4V form

Where do I send this form since no address is given?

Almost there
by Almost there
Mon Feb 29, 2016 7:49 pm
Forum: Investing - Theory, News & General
Topic: Too much Roth IRA contribution
Replies: 10
Views: 1243

Re: Too much Roth IRA contribution

Just to add: my friend called VG this morning and they filled out the form to transfer the funds from his Roth to a taxable account for him with his consent. So everything has been taken care of. In the future, I guess he first has to do his income tax and then figure out how much he can contribute ...
by Almost there
Sun Feb 28, 2016 10:48 pm
Forum: Investing - Theory, News & General
Topic: Too much Roth IRA contribution
Replies: 10
Views: 1243

Re: Too much Roth IRA contribution

Thank you.
by Almost there
Sat Feb 27, 2016 2:41 pm
Forum: Investing - Theory, News & General
Topic: Too much Roth IRA contribution
Replies: 10
Views: 1243

Too much Roth IRA contribution

My friend, while filling out his federal income tax form, realized that his AGI is above $150K and he did his ROTH IRA contributions already for ty 2015. I went to VG but found no help. What form does he have to fill out?

Almost there
by Almost there
Mon Feb 15, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Which state to use for 1099-DIV?
Replies: 11
Views: 721

Re: Which state to use for 1099-DIV?

Grabiner wrote: One caveat, which doesn't apply to your funds but could matter for other taxpayers; I caught this just before filing my return when I moved from NJ to MD. If you have an international fund, you need to prorate the foreign tax credit as well; this is a dividend you earned even though ...
by Almost there
Mon Feb 15, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Which state to use for 1099-DIV?
Replies: 11
Views: 721

Re: Which state to use for 1099-DIV?

Just looked at my tax-exempt interest dividends document I received from VG and it states the following: Federal tax treatment: the tax-exempt interest dividends are 100% exempt from federal income tax. State and local tax treatment: A portion of these dividends may be exempt from state and/or local...
by Almost there
Mon Feb 15, 2016 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Which state to use for 1099-DIV?
Replies: 11
Views: 721

Re: Which state to use for 1099-DIV?

Thank you for everyone who answered my question.
No it was not tax free in either NJ or AZ. The accounts are long-term tax exempt and intermediate term tax exempt. I am filling out the federal income tax form online via H&R Block.

Almost there
by Almost there
Mon Feb 15, 2016 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Which state to use for 1099-DIV?
Replies: 11
Views: 721

Which state to use for 1099-DIV?

I sold shares from my VG taxable accounts during October 2015 while living in NJ. Then moved to Arizona later.

Received from VG my 1099-Div form addressed to my AZ address. When calculating the tax-exempt interest dividends, do I use AZ?

Almost there
by Almost there
Thu Feb 04, 2016 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Moved from NJ to AZ [Residency for tax purposes]
Replies: 19
Views: 2186

Re: Moved from NJ to AZ [Residency for tax purposes]

bsteiner wrote: Almost there wrote:... I moved out of NJ in 2015 and purchased a house in AZ, however, I am closing on my house in 2016. Will I have to file NJ state income tax for 2016 since I lost money selling my house. Also the NJ exit tax comes into it. .... If New Jersey could tax exits, they...
by Almost there
Thu Feb 04, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Moved from NJ to AZ [Residency for tax purposes]
Replies: 19
Views: 2186

Re: Moved from NJ to AZ [Residency for tax purposes]

cadreamer2015 wrote: There is a real estate transfer fee in NJ: http://www.state.nj.us/treasury/taxatio ... faqs.shtml ASAIK this is not a tax which is deductible on Federal or state tax returns. I'm not sure if this is what people call an "exit" tax, but it is do on virtually all resident...
by Almost there
Thu Feb 04, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Moved from NJ to AZ [Residency for tax purposes]
Replies: 19
Views: 2186

Re: Moved from NJ to AZ [Residency for tax purposes]

I had asked: Only question remaining: I will close on my house in NJ next week. Will there be a conflict as to filing NJ state income tax? FYI: I am selling the house for less than the purchase price 5 1/2 years ago. Now I moved out of NJ in 2015 and purchased a house in AZ, however, I am closing on...
by Almost there
Mon Feb 01, 2016 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Moved from NJ to AZ [Residency for tax purposes]
Replies: 19
Views: 2186

Re: Moved from NJ to AZ [Residency for tax purposes]

Thank you for the web address. I will be filing for 2015 state income tax for both NJ and AZ. Now as previously mentioned, I will use the closing date of my house as the date starting residence in AZ. Only question remaining: I will close on my house in NJ next week. Will there be a conflict as to f...
by Almost there
Mon Feb 01, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Moved from NJ to AZ [Residency for tax purposes]
Replies: 19
Views: 2186

Re: Moved from NJ to AZ

JCE66 wrote: Almost there....I hope to see follow up posts from you on how things are better/worse in AZ as opposed to NJ. While I have a way to go before retirement, AZ is one of the 'final destinations' on my short list (NV, TX being others). Would love to read on what things changed. After vacati...
by Almost there
Mon Feb 01, 2016 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Moved from NJ to AZ [Residency for tax purposes]
Replies: 19
Views: 2186

Re: Moved from NJ to AZ

Questions as to income: I only receive Social Security so I am not in a high income bracket.
In addition, I have no children living with me.

Almost there
by Almost there
Mon Feb 01, 2016 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Moved from NJ to AZ [Residency for tax purposes]
Replies: 19
Views: 2186

Re: Moved from NJ to AZ

jlawrence01 wrote: The question of residency for state income tax purposes cannot be answered by a general rule but depends largely on the circumstances of each case. Generally, no one single factor is controlling, but all relevant facts must be considered in determining residency. The determination...
by Almost there
Thu Jan 28, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Moved from NJ to AZ [Residency for tax purposes]
Replies: 19
Views: 2186

Moved from NJ to AZ [Residency for tax purposes]

Last October I moved from NJ to AZ.
When filing federal and state income taxes, which date do I use for becoming a resident in Arizona?
I thought I'd use the date of our house closing.

Almost there
by Almost there
Thu Jan 21, 2016 8:25 am
Forum: Investing - Theory, News & General
Topic: Getting stuck in an Asset Allocation you don't want
Replies: 37
Views: 3688

Re: Getting stuck in an Asset Allocation you don't want

Cherijoh you explained best. Thank you.

Almost there
by Almost there
Tue Jan 19, 2016 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 4517

Re: Does a BH play the lottery?

I did. Remembering everyone's idea of fun is different. I also spent $6 and it didn't have an impact on my invested funds.

Almost there
by Almost there
Mon Jan 18, 2016 7:32 pm
Forum: Investing - Theory, News & General
Topic: From which account to withdraw money?
Replies: 3
Views: 475

Re: From which account to withdraw money?

Randomguy wrote: You can take ~12k out of your IRA tax free. Take your 6k of spending out of that and put the other 6k in the roth. You can up the amount (do more of a roth rolllover) if you want. Filling up the 10% bracket(~20k) seems like a no brainer. You could fill up the 15% if you want but the...
by Almost there
Mon Jan 18, 2016 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 4517

Re: Does a BH play the lottery?

For the fun of it, twice I bought 3 Powerball tickets. Had a lot of fun dreaming and between the 3 tickets, I had 1 number correct. However, generally speaking, I don't purchase lottery tickets. I just think it is a waste of my time and money.

Almost there
by Almost there
Mon Jan 18, 2016 6:58 pm
Forum: Investing - Theory, News & General
Topic: Getting stuck in an Asset Allocation you don't want
Replies: 37
Views: 3688

Re: Getting stuck in an Asset Allocation you don't want

I have had my AA for the past 10 years at 60% Stocks and 40% Bonds. I am a single female, 67 years old.

Is it preferable to now change to 50/50? What are you doing if you are approx. my age?

Almost there
by Almost there
Mon Jan 18, 2016 6:53 pm
Forum: Investing - Theory, News & General
Topic: From which account to withdraw money?
Replies: 3
Views: 475

From which account to withdraw money?

Presently I receive $1,293/month from Social Security (total $15,516/year). I will need to transfer approximately $6,000 for living expenses each year during 2016 + 2017. In 2018, I will be 70 years old in April (single female) and will receive $2,400/month and will have to start my RMDs. From which...
by Almost there
Tue Dec 29, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2015 tax software 50% off
Replies: 16
Views: 2145

Re: H&R Block 2015 tax software 50% off

Just opened the box from Block. $30 for deluxe and deluxe and state $40.

Let me know if you find a better deal from Block.

Almost there

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