Search found 487 matches

by Almost there
Fri Apr 29, 2016 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Local Major Bank Recommendations
Replies: 16
Views: 951

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: 904

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: 2362

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: 2362

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: 944

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: 298

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: 298

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: 1173

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: 1173

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: 1173

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: 670

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: 670

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: 670

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: 670

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: 2054

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: 2054

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: 2054

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: 2054

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: 2054

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: 2054

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: 2054

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: 2054

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: 3488

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: 4078

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: 441

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: 4078

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: 3488

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: 441

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: 2056

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: 2056

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: 2056

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: 6986

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: 9617

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: 6986

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: 1852

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: 7181

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: 7181

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: 1308

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: 3157

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: 7181

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: 1478

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: 1478

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: 3108

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: 3998

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: 276

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: 276

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...

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