Search found 472 matches

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: 1903

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: 1903

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: 1903

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: 1903

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: 1903

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: 1903

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: 1903

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: 1903

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: 3336

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: 3746

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: 400

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: 3746

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: 3336

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: 400

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: 1955

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
by Almost there
Tue Dec 29, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2015 tax software 50% off
Replies: 16
Views: 1955

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

Have used H&R for a number of years and haven't had any complaints. Yes received the CD too but haven't opened it as yet.

Almost there
by Almost there
Tue Dec 29, 2015 12:00 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2015 tax software 50% off
Replies: 16
Views: 1955

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

Deal has been closed.

Almost there
by Almost there
Sat Dec 26, 2015 6:05 pm
Forum: Personal Consumer Issues
Topic: Christmas Fail
Replies: 54
Views: 6659

Re: Christmas Fail

TradingPlaces you are smart. Have also done this a number of times and saved quite a bit.

Almost there
by Almost there
Sat Dec 26, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Share how you like to vacation
Replies: 113
Views: 8732

Re: Bogleheads: Share how you like to vacation

Visiting federal parks, hiking, resting, meeting people, and just enjoying life.

Almost there
by Almost there
Sat Dec 26, 2015 10:38 am
Forum: Personal Consumer Issues
Topic: Christmas Fail
Replies: 54
Views: 6659

Re: Christmas Fail

Ordered an item from Amazon and something else was shipped. Called the company who will send me my ordered product and pick up the not ordered product. Company never apologized which upset me as well as not giving the person their gift. First time this ever happened so I guess I'm doing well. But mo...
by Almost there
Sat Dec 26, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Is 3.75% a good rate for 30 year fixed?
Replies: 11
Views: 1723

Re: Is 3.75% a good rate for 30 year fixed?

I got a 3.125 rate for a 15 year mortgage.

Almost there
by Almost there
Tue Dec 22, 2015 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: "Bonus" on AMEX Blue Cash and Blue Cash Preferred
Replies: 39
Views: 5359

Re: "Bonus" on AMEX Blue Cash and Blue Cash Preferred

stupidkid wrote: I buy Amazon GCs generally, and pick up store specific cards when my grocery store (Kroger's/King Soopers) has discounts, e.g. 20% off Gap cards which are very versatile. In addition, King Sooper's offers 4x fuel points on gift card purchases periodically throughout the year. $250 i...
by Almost there
Sun Dec 20, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: "Bonus" on AMEX Blue Cash and Blue Cash Preferred
Replies: 39
Views: 5359

Re: "Bonus" on AMEX Blue Cash and Blue Cash Preferred

What is considered the difference between a grocery store and a supermarket for credit card purchases?

Almost there
by Almost there
Sun Dec 20, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: EE Series Savings Bonds - paying taxes question
Replies: 14
Views: 1144

Re: EE Series Savings Bonds - paying taxes question

Since right now I live on Social Securiy and my investments, I will look into cashing out my bonds before turning 70. Perhaps cashing them before the end of 2016 + 2017?

Almost there
by Almost there
Sun Dec 20, 2015 11:52 am
Forum: Personal Finance (Not Investing)
Topic: How Much Will Medical Costs Fall Under Medicare
Replies: 42
Views: 2871

Re: How Much Will Medical Costs Fall Under Medicare

Please contact SHIP in your area where you live. Each state/county is different to the next. I chose Plan N for 2016 and will determine by next enrollment period if that was right for me. Plan N is through United / AARP at $111/month (single). In addition, please note that you have to sign up for pr...
by Almost there
Sun Dec 20, 2015 11:15 am
Forum: Personal Finance (Not Investing)
Topic: "Bonus" on AMEX Blue Cash and Blue Cash Preferred
Replies: 39
Views: 5359

Re: "Bonus" on AMEX Blue Cash and Blue Cash Preferred

Just purchased AMEX gift cards and they cost $4.95 each. $1.00 cheaper than Master Card.

Almost there
by Almost there
Mon Nov 16, 2015 5:18 pm
Forum: Investing - Theory, News & General
Topic: VG "channeling our savings into secret money politics"?
Replies: 11
Views: 1375

Re: VG channeling our savings into secret money politics

Thank you everyone for your speedy replies. Of course I am not really surprised at your answers, recognize though, I didn't know where else to go.

Almost there
by Almost there
Mon Nov 16, 2015 4:16 pm
Forum: Investing - Theory, News & General
Topic: VG "channeling our savings into secret money politics"?
Replies: 11
Views: 1375

VG "channeling our savings into secret money politics"?

Received the following request to write to Vanguard to "help stop retirement fund manager Vanguard from channeling our savings into secret-money politics. Anyone here know anything about this? I can't truly believe this, however, I copied the request below: [edited to remove completely OT comme...
by Almost there
Mon Nov 16, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 44
Views: 2959

Re: Is there a service that will email you with each credit card purchase?

I use Sears credit card and they don't offer an Alert when the credit card # is used without using the actual card (i.e. online). My AMEX offers it and it is great. Will need to stop using the Sears card and find one that does. Sorry, don't want to use Chase. What other card uses this Alert feature?...
by Almost there
Sun Nov 15, 2015 6:40 pm
Forum: Personal Consumer Issues
Topic: Is the entire Car Transport Industry this Shady? Need help in getting a reliable transport company...
Replies: 25
Views: 3834

Re: Is the entire Car Transport Industry this Shady? Need help in getting a reliable transport company...

I ended up using Inter City Auto Transport. They were reliable, on time in picking up my car in NJ and 2 days later in Arizona. They were just great. Can highly recommend them.

Almost there
by Almost there
Mon Nov 02, 2015 9:24 pm
Forum: Personal Consumer Issues
Topic: Moving companies-household and car
Replies: 2
Views: 231

Re: Moving companies-household and car

Good luck. Packing and unpacking and getting the mortgage etc etc were the rough parts. Wells Fargo was difficult to deal with.

Almost there
by Almost there
Mon Nov 02, 2015 5:28 pm
Forum: Personal Consumer Issues
Topic: Moving companies-household and car
Replies: 2
Views: 231

Moving companies-household and car

After reading many horror stories about moving companies I would like to update you on our move from NJ to AZ. Used McCollister's out of NJ who use United Van Lines and Mayflower (companies have merged). They were excellent. Came when they were supposed to and arrived actually earlier than anticipat...
by Almost there
Mon Nov 02, 2015 5:21 pm
Forum: Personal Consumer Issues
Topic: Replace safe Deposit Box with home safe?
Replies: 46
Views: 5047

Re: Replace safe Deposit Box with home safe?

We purchased a home safe and attached it to cinder blocks and to the floor. Unfortunately had to leave it behind when we moved because we installed a water heater around the corner and the safe was now too large to be removed. We thought it was a good alternative to paying $60/year for a safe at a l...
by Almost there
Thu Sep 24, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: How to ship automobile cross country?
Replies: 8
Views: 1129

Re: How to ship automobile cross country?

I called Thomas Sunday who also recommended Inter City Transport who I have chosen. Will ship enclosed and not change trucks.

Almost there
by Almost there
Tue Sep 22, 2015 11:46 am
Forum: Personal Consumer Issues
Topic: How to ship automobile cross country?
Replies: 8
Views: 1129

Re: How to ship automobile cross country?

Jack wrote: Stuart Transport. They ship a big % of Factory Five kit cars from Wareham, MA all over the country. When they come back, they are often empty. You may get a good deal from them and they are covered and own their trucks. I just called them - but the spelling is: Stewart Transport. They do...
by Almost there
Tue Sep 22, 2015 10:52 am
Forum: Personal Consumer Issues
Topic: Is the entire Car Transport Industry this Shady? Need help in getting a reliable transport company...
Replies: 25
Views: 3834

Re: Is the entire Car Transport Industry this Shady? Need help in getting a reliable transport company...

AndroAsc:

Which company did you decide to go with?
Still looking to find a reputable company.

Almost there
by Almost there
Mon Sep 14, 2015 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Obtaining a HELOC - Need help
Replies: 21
Views: 1694

Re: Obtaining a HELOC - Need help

Thank you to everyone who gave me good advise. I decided to call VG again and was informed that I could tap my IRA or Roth IRA. However, the VG rep suggested using my Cash account since the unrealized gain is very low.

Almost there
by Almost there
Mon Sep 14, 2015 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Company force moving me to headquarters -what to expect ?
Replies: 9
Views: 1769

Re: Company force moving me to headquarters -what to expect ?

No one mentioned it but which moving companies did you use? Were you happy?
Will be moving from NJ to AZ.

Almost there
by Almost there
Mon Sep 14, 2015 6:04 pm
Forum: Personal Consumer Issues
Topic: Moving companies and weight vs cubic feet?
Replies: 2
Views: 543

Re: Moving companies and weight vs cubic feet?

Which company did you use?

Almost there
by Almost there
Sat Sep 12, 2015 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Obtaining a HELOC - Need help
Replies: 21
Views: 1694

Re: Obtaining a HELOC - Need help

Thank you bsteiner will call them on Monday.

Almost there
by Almost there
Sat Sep 12, 2015 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Obtaining a HELOC - Need help
Replies: 21
Views: 1694

Re: Obtaining a HELOC - Need help

We took for granted that Wells Fargo would help us. Also everything went very fast since my partner was offered a great job by his former boss.

Almost there
by Almost there
Sat Sep 12, 2015 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Obtaining a HELOC - Need help
Replies: 21
Views: 1694

Re: Obtaining a HELOC - Need help

Yes plannerman. We have to sell our house since we need the collateral for the new house.

Almost there
by Almost there
Sat Sep 12, 2015 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Obtaining a HELOC - Need help
Replies: 21
Views: 1694

Re: Obtaining a HELOC - Need help

Thank you everyone for your input. We are obtaining our mortgage through Wells Fargo. Though we put in our application for a Heloc before we put the house on the market, they still do not want to give us the Heloc. They are truly giving us a hard time. Our present house is also mortgaged through Wel...
by Almost there
Tue Sep 01, 2015 9:19 pm
Forum: Personal Consumer Issues
Topic: Credo Mobile
Replies: 1
Views: 207

Re: Credo Mobile

bump it.
by Almost there
Tue Sep 01, 2015 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Obtaining a HELOC - Need help
Replies: 21
Views: 1694

Obtaining a HELOC - Need help

My partner received a great job offer so we are selling our house in NJ and purchasing one in AZ. Since he will start working in 2 weeks, we already bought a house and obtained a mortgage without any problem and expect to close at the end of October. We have also listed our house with a local real e...
by Almost there
Sat Aug 29, 2015 10:32 am
Forum: Personal Consumer Issues
Topic: Credo Mobile
Replies: 1
Views: 207

Credo Mobile

Has anyone used Credo Mobile? If yes, I'd appreciate some feedback.

Almost there
by Almost there
Tue Aug 04, 2015 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping financial statements
Replies: 11
Views: 866

Re: Keeping financial statements

Thank you, Toons: stopped keeping printing or requesting mailed statements about 10 years ago. I used to scan statements after that ,lasted about 5 years. Anything prior to 7 years are trashed. The last five years I neither scan nor print anything. I either download the document and save it as a pdf...

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