Search found 429 matches

by AlwaysaQ
Wed Oct 04, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: iphone app for checking stocks and funds?
Replies: 9
Views: 794

Re: iphone app for checking stocks and funds?

Ron Scott,

I used to use the Fidelity app watchlist without needing to enter account and password but I didn't like the permissions. I also prefer to have as little personal info on my phone as possible.
by AlwaysaQ
Wed Oct 04, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: iphone app for checking stocks and funds?
Replies: 9
Views: 794

Re: iphone app for checking stocks and funds?

I just use the Chrome browser.
by AlwaysaQ
Mon Sep 25, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Move 401(k) to IRA after retirement?
Replies: 27
Views: 1922

Re: Move 401(k) to IRA after retirement?

Nana

I want to add that I left my Fidelity 401K at my company for about 10 years after I retired. I only moved it when I wanted to purchase assets not available in my 401K. I was lucky enough to have index funds with low expenses and the company paid the administrative fees.
by AlwaysaQ
Mon Sep 25, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Move 401(k) to IRA after retirement?
Replies: 27
Views: 1922

Re: Move 401(k) to IRA after retirement?

Nana 3 simple possibilities 1 - Pick a Fidelity Freedom Index fund that has the stock/bond ratio you want. Let them do the rebalancing. 2 - Use a combo of Fidelity Four-in-One Index and FSITX in proportion to the stock/bond ration you want. You may decide to rebalance maybe once a year. 3 - Use FSTV...
by AlwaysaQ
Sat Sep 23, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Move 401k to new 401k or transfer to ira
Replies: 2
Views: 281

Re: Move 401k to new 401k or transfer to ira

Also some 401K plans allow early access to the funds without penalty; say if you were at least 55 in the year you retired.
by AlwaysaQ
Sat Sep 23, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8290

Re: Age you retired

54 and 3 months. Single, never had children, parents deceased. I had cancer surgery the year before. Good benefits from the company after retirement including health insurance until Medicare and supplementary health insurance after Medicare until the Great Recession. I still get a small Health Reimb...
by AlwaysaQ
Fri Sep 22, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze or fraud alert?
Replies: 18
Views: 1240

Re: Credit freeze or fraud alert?

I never froze my credit until now. If one wants to change insurance, get a car loan or lease, or get a new credit card will most companies tell which credit bureaus they use? I live in Michigan and it is not free to freeze credit.
by AlwaysaQ
Thu Sep 21, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 32846

Re: Can't freeze credit at Experian?

I was able to freeze my Experian account online and receive my PIN yesterday at about 4:40 Eastern time. I was charged the $10 fee immediately.
by AlwaysaQ
Mon Sep 18, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3019
Views: 885268

Re: What Movie Have You Recently Watched?

In the last week I watched two British animated films. First was "Watership Down", the 1978 movie. I had read the book many years ago but never saw the movie. I thought it was very well done. Last night I was again in the mood for something different so I re-watched "Shaun the Sheep". It was light, ...
by AlwaysaQ
Fri Sep 08, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: How many funds in your retirement accounts?
Replies: 56
Views: 4748

Re: How many funds in your retirement accounts?

1 traditional IRA account with 3 bond funds and 2 stock funds
2 stock funds in taxable accounts
by AlwaysaQ
Mon Aug 21, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Automatic IRA distribution, Fidelity and ETFs
Replies: 1
Views: 210

Re: Automatic IRA distribution, Fidelity and ETFs

Since this is an IRA you could sell the ETFs and put the monies into a 3 fund portfolio. Then change the distribution to pull from each fund. There also might be a Fidelity Freedom Index fund with the stock/bond ratio you prefer.
by AlwaysaQ
Sun Aug 20, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3019
Views: 885268

Re: What Movie Have You Recently Watched?

Last theatre movie was Dunkirk. Enjoyed it but between the sound (it shook the seats) and the accents I was wishing it had subtitles.

Last TV movie was the original Manchurian Candidate on TCM.
by AlwaysaQ
Wed Aug 09, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: total stock market in 401k, rothIRA and taxable- tlh/wash sale?
Replies: 3
Views: 309

Re: otal stock market in 401k, rothIRA and taxable- tlh/wash sale?

You can't tax loss harvest in a 401K or IRA. Use VFIAX to tax loss harvest VTSAX in your taxable account.
by AlwaysaQ
Sun Aug 06, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: Drinking water price craziness
Replies: 79
Views: 7805

Re: Drinking water price craziness

In June my two nieces and I flew to Georgia. We returned to a boil water alert. I was very glad my one niece had extra bottles of water and that she gave me some. I need to get some more to keep in the house for emergencies.
by AlwaysaQ
Sun Jul 30, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 36
Views: 6024

Re: NYT: Buy more takeout and hire a maid, study suggests

Cooking can be soothing but cleaning is nothing but a PITA.
by AlwaysaQ
Fri Jul 21, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: AnnualCreditReport Equifax
Replies: 31
Views: 2064

Re: AnnualCreditReport Equifax

It wasn't the form that mentioned copies; it was the web page that informed me that I could get a report by mail. Social Security a) copy of social security card or b) copy of pay stub showing the social security number or c) copy of w2. For address I think a copy of a utility bill showing name and ...
by AlwaysaQ
Fri Jul 21, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: AnnualCreditReport Equifax
Replies: 31
Views: 2064

Re: AnnualCreditReport Equifax

I may have answered one question incorrectly the first time but none the last time. It could have been the time of day so I'll try again early in the day sometime next week. There was a statement about proof along with the mail-in form. Maybe they are getting tighter with security.
by AlwaysaQ
Fri Jul 21, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: AnnualCreditReport Equifax
Replies: 31
Views: 2064

AnnualCreditReport Equifax

I just attempted to get my annual credit report from Equifax using the AnnualCreditReport.com portal. I tried twice and each time received a message that the report was not available online and I could mail copies of identification and get a written report. That is not acceptable. Has this happened ...
by AlwaysaQ
Tue Jul 04, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: What is the best way to do 60/40 in a taxable account I only have taxable to work with
Replies: 24
Views: 1407

Re: What is the best way to do 60/40 in a taxable account I only have taxable to work with

I second BL. Total Stock, Total International Stock, Total Bond. If you go back to work and move to a higher tax bracket you can decide if you want to replace Total Bond with a Municipal Bond Fund. You might have a small capital gain or a small capital loss if you do but the stock portion does not h...
by AlwaysaQ
Mon Jun 05, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 9483

Re: Favorite Thriller Authors and Why

I also like Steve Hamilton who has written a series about a retired Detroit detective who owns and manages some cabins outside Paradise, Michigan. His first book is "A Cold Day in Paradise".

Raymond Chandler and Ross McDonald are among my favorites.
by AlwaysaQ
Tue May 30, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"
Replies: 35
Views: 5828

Re: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"

I'm 75 and hold about 33% in stock and stock funds, the rest in cash, CDs, bonds, and bond funds. Individual bonds are TIPS and EE and I bonds.
by AlwaysaQ
Wed May 17, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 10452

Re: Is the Vanguard Balanced Index Fund all you need?

Can somebody who held Vanguard Balanced Index tell me what percentage of dividends were qualified dividends? That info doesn't seem available on the website.
by AlwaysaQ
Sun May 14, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 30
Views: 3566

Re: Replace floor BEFORE or AFTER New Cabinets?

I also had the floor put in last. If you put it in first you may not get the dishwasher to fit.
by AlwaysaQ
Tue May 02, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: My library is switching to Cloud Library from Overdrive: no more kindle!
Replies: 5
Views: 1061

Re: My library is switching to Cloud Library from Overdrive: no more kindle!

It seems the Cloud Library uses phones or tablets. IMHO phones are too small and most tablets are too heavy and don't use e-ink.
by AlwaysaQ
Tue Mar 28, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: taxable account
Replies: 8
Views: 772

Re: taxable account

I think I read that any fund that contains munis has to have more than 50% in munis for the income to be tax-exempt. The Vanguard Balanced Index (not munis) is 60/40 stock/bonds but the Tax Managed Balanced Fund is more like 49/51 stock/bonds.
by AlwaysaQ
Fri Mar 24, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 95
Views: 5654

Re: How did you do your income taxes?

Free download of Turbo Tax Premier from Fidelity. Free Fed e-file and one state e-file for $20. Previous two years I had used TaxAct.
by AlwaysaQ
Sun Mar 12, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Is there such a thing as tax loss harvesting if you are a boglehead?
Replies: 27
Views: 2378

Re: Is there such a thing as tax loss harvesting if you are a boglehead?

Also capital losses affect the MAGI. I took some losses early in 2016 and stayed below the next Medicare tier.
by AlwaysaQ
Mon Feb 20, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: What is a smart tax strategy?
Replies: 13
Views: 1600

Re: What is a smart tax strategy?

Also at 64.5 years and presuming you will be filing for Medicare you need to be careful of your MAGI going over 85000 pushing you into a higher Medicare tier.
by AlwaysaQ
Sat Feb 18, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1461

Re: Turbo Tax only reading 1st page of 1099-INT

Whatever the problem is it's between the two of them. I'm not reporting it to either; I have the data I need.
by AlwaysaQ
Sat Feb 18, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1782

Re: converting Vanguard Total Stock Fund to ETF

Doesn't the basis transfer over to new broker? It seems I would have 47 shares at basis x and 52 shares at basis y in the above example. Isn't this all written up somewhere? I hate black boxes; I usually want to know what is going on inside. I'd call Vanguard but we know how that is going!
by AlwaysaQ
Sat Feb 18, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1782

Re: converting Vanguard Total Stock Fund to ETF

Doesn't the basis transfer over to new broker? It seems I would have 47 shares at basis x and 52 shares at basis y in the above example. Isn't this all written up somewhere? I hate black boxes; I usually want to know what is going on inside. I'd call Vanguard but we know how that is going!
by AlwaysaQ
Sat Feb 18, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1782

Re: converting Vanguard Total Stock Fund to ETF

All the VTSAX shares are covered shares. The first purchase was made on 2/24/16 and the last on 1/12/17 so they are short term and they have capital gains. I don't want to sell them; I am thinking of moving them from Vanguard to my other investment house to simplify my accounts. I can't buy more VTS...
by AlwaysaQ
Sat Feb 18, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1461

Re: Turbo Tax only reading 1st page of 1099-INT

MisterBill - I have 4 accounts and TurboTax only imported 2 of them. It created two line items; one for the savings account and one for the first CD. I deleted both line items and manually created one with the combined total of all accounts.

HueyLD - Yes I should report the error to TurboTax.
by AlwaysaQ
Fri Feb 17, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1782

Re: converting Vanguard Total Stock Fund to ETF

Why convert from VTSAX to VTI - to move to another broker; simplify.
Why combine lots - to minimize partial shares since I don't know what happens to them.

I'm not sure I am going to do any of this but I want to know.
by AlwaysaQ
Fri Feb 17, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Induction cooktop impressions?
Replies: 32
Views: 2551

Re: Induction cooktop impressions?

Nisiprius - you have been very helpful for all of us SO I have an induction cooktop and I wouldn't have any other. I put off remodeling the kitchen for years because I hated the idea of gas (If I were rich I wouldn't have it in my house). Finally my stove was going and it sat in the corner. It was t...
by AlwaysaQ
Fri Feb 17, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1461

Re: Turbo Tax only reading 1st page of 1099-INT

tfb - I did import directly from Ally; didn't know you could do it any other way.

I have the problem fixed - I was only trying to warn others who may be new to this.
by AlwaysaQ
Fri Feb 17, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1782

Re: converting Vanguard Total Stock Fund to ETF

Can I sell the partial share back to Vanguard and if so is that a taxable event in this taxable account? I have multiple lots but I have not sold any shares since I started buying so can I change from specific id to average and have only one possibly partial share?
by AlwaysaQ
Fri Feb 17, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1461

Re: Turbo Tax only reading 1st page of 1099-INT

tfb - True that is just as easy to simply enter the data from the 1099-INT. I was basically testing the import feature since it was the first time I have actually used TurboTax. I tried the product one year and gave up on it but I thought I'd try it again. MisterBill - I have a savings account and 3...
by AlwaysaQ
Thu Feb 16, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1782

Re: converting Vanguard Total Stock Fund to ETF

Yes I am talking about a taxable account. What happens to the partial shares of each lot after conversion? A share of VTI is more than a share of VTSAX.
by AlwaysaQ
Thu Feb 16, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1782

converting Vanguard Total Stock Fund to ETF

How are multiple purchases handled when converting Vanguard Total Stock Fund Admiral to Vanguard Total Stock Fund ETF? Is each purchase converted separately or are they combined? I did try to find information on the Vanguard site about this but wasn't able to do so.
by AlwaysaQ
Thu Feb 16, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1461

Turbo Tax only reading 1st page of 1099-INT

Have the downloaded version of Turbo Tax Premier. Tried to import my 1099-INT from Ally Bank which is 3 pages and it only read the first page. I had to amend the data. Just a warning.
by AlwaysaQ
Mon Feb 06, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 5910

Re: Keep a Local Bank?

I have accounts at two local banks, a local credit union, and an online bank. I opened the main bank account over 50 years ago and it is so interconnected in my financial life I'd hate to have to change it and I use it also to maintain my cash stash. When the bank that held my safe deposit box was s...
by AlwaysaQ
Fri Feb 03, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 90
Views: 8556

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

Withdrawal phase Beginning 22nd year of retirement 8 mutual funds at 2 investment houses; 6 index and 2 actively managed 32% equities, 31% individual TIPS, 17% bonds and bond funds, 20% cash and CDs Besides interest, dividends and capital gains from taxable accounts I have a pension, social security...
by AlwaysaQ
Wed Jan 18, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Switch from FSTVX to VTSAX - The Enemy Of a Good Plan is a Perfect Plan...
Replies: 5
Views: 1141

Re: Switch from FSTVX to VTSAX - The Enemy Of a Good Plan is a Perfect Plan...

After getting hit with capital gains in 2015 from FSTVX I also started putting new total market funds into VTSAX. I may convert the VTSAX later to VTI and transfer it back to Fidelity. I didn't sell the shares of FSTVX because they had appreciated quite a bit. The problem wasn't so much tax ineffici...
by AlwaysaQ
Wed Jan 18, 2017 1:21 am
Forum: Investing - Help with Personal Investments
Topic: Taxable, in Fidelity, Total Stock Market Index Mutual Fund or ETF better for the long run ?
Replies: 16
Views: 1585

Re: Taxable, in Fidelity, Total Stock Market Index Mutual Fund or ETF better for the long run ?

I didn't mean to mislead. I hold VTSAX at Vanguard and all else is at Fidelity. I don't think you can buy VTSAX at Fidelity. If you don't want FSTVX and want to keep all assets at Fidelity then ETFs are your best bet. Actually ETFs are probably your best bet in a taxable account IF you feel comforta...
by AlwaysaQ
Tue Jan 17, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable, in Fidelity, Total Stock Market Index Mutual Fund or ETF better for the long run ?
Replies: 16
Views: 1585

Re: Taxable, in Fidelity, Total Stock Market Index Mutual Fund or ETF better for the long run ?

I use Fidelity for most of my mutual funds but I did start buying VTSAX last year instead of FSTVX because of the capital gain issues. I also hold FSTVX but it is about 40% gain so I keep it. I don't like buying at market and have only done it a few times.
by AlwaysaQ
Tue Jan 17, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate under Fidelity Brokerage?
Replies: 2
Views: 318

Re: Consolidate under Fidelity Brokerage?

I moved my smaller IRA to Fidelity last year and merged it into the larger one I hold there. I did it right after one of the funds made its quarterly distribution so that wouldn't get messed up. I even got a small bonus for moving. No problems at all. I'm in the MRD phase and getting older and slowe...
by AlwaysaQ
Thu Dec 29, 2016 8:17 am
Forum: Investing - Help with Personal Investments
Topic: In taxable account sell Total Bond buy Tax Exempt
Replies: 26
Views: 2785

Re: In taxable account sell Total Bond buy Tax Exempt

Vest74 Look at Schedule D line 20, and SS worksheet line 2 (modified income) at least for me of modest income(plenty of assets) cap gains and qualified div's are taxed at 0 for fed, but on the SS worksheet cap gains are only included in amount of SS taxable and qualified div's are NOT. Ordinary divi...
by AlwaysaQ
Wed Dec 28, 2016 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: In taxable account sell Total Bond buy Tax Exempt
Replies: 26
Views: 2785

Re: In taxable account sell Total Bond buy Tax Exempt

Qualified Dividends and Capital Gains are definitely included as income when determining how much Social Security is taxable. Qualified Dividends are a subset of Ordinary Dividends.
by AlwaysaQ
Thu Dec 22, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Afraid of retirement??
Replies: 55
Views: 4905

Re: Afraid of retirement??

I retired at 54 after 30 years on the job and that was long enough for me. At least I could leave with a smile on my face and remembering some of the good times and not snarling "Take this job and shove it". I was never one whose identity was tied to the job as it was just a means to an en...