Search found 746 matches

by Cody
Wed Jun 22, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2334

Re: An actual book on LastPass?

Also I am getting a notice in a green bar on my screen asking : should LastPass remember this password? Save Site or Never are my choices.

Help.

cody
by Cody
Wed Jun 22, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2334

Re: An actual book on LastPass?

I'm the op.

After downloading LP to my macbook pro and creating an account where do I find the app? Should I look for an icon somewhere or do I have to go to the LP website to login.

Thanks,
cody
by Cody
Wed Jun 22, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2334

Re: An actual book on LastPass?

You guys are great.

I have now created an account with a master password.

But where on my macbbok pro do I located the icon to start entering data. (Like to get to drop box I just click the icon at the top of the screen?

Best,
cody
by Cody
Wed Jun 22, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2334

Re: An actual book on LastPass?

After I login to LP and then login in to say Wells Fargo Bank. (using my regular password). How then does LP change the WF password to a much better one? I assume I tell LP to generate a new password but does LP then automatically somehow change the old WF password to the new one or will I have to m...
by Cody
Wed Jun 22, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2334

Re: An actual book on LastPass?

Powermega:
Could you explain the steps to get log in to LP using your phone then?
Thanks,
cody
by Cody
Wed Jun 22, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2334

Re: An actual book on LastPass?

Do you think most people try to keep track the new passwords on paper just in case? Or do they feel that is not necessary or even possible giving the vast number of account pws to remember?

thanks,
cody
by Cody
Wed Jun 22, 2016 8:51 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2334

An actual book on LastPass?

I did a general google search on LastPass - to find an actual "how to book" on Lastpass. I had little luck.

Other than the online manual, which is helpful, is anyone aware of a book on the subject? I'm looking for tips, hints and you might try this.

Thanks,
cody
by Cody
Thu May 26, 2016 8:18 am
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 4387

Re: $750 repair or buy new [MacBook Pro] Update!

Update: Well lucky me. The Apple Store here at the Mall of America has replaced the hard drive, logic board and new anti glare screen. All on their dime. They did not fine the "liquid" that the other store did. All this work would have cost about $1100 (oh and I forgot, they put in a new b...
by Cody
Thu May 19, 2016 5:29 pm
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 4387

Re: $750 repair or buy new [MacBook Pro]

Thanks for the great input. I will be hearing back from the MOA Apple techs in a day or two. We'll see if they fine anything. I'll report back to you with what I decide. I'm leaning toward fixing it for $750. But once I get the final word I make change my mine. Not having a computer has forced my to...
by Cody
Wed May 18, 2016 6:08 pm
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 4387

Re: $750 repair or buy new

Are the screans on the "2016 (actually 20150 MacBook Pros different than the 2013 model that I have (which is Retina - I love it). And by your good math I should expect to get a repaired computer to last until 2017 or so - that doesn't seem very long from now. (An aside - El Capitan will go on ...
by Cody
Wed May 18, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 4387

Re: $750 repair or buy new

I'm the OP. The liquid was red (maybe wine I suppose). I don't ever remember spilling it but whatever. They took a picture of it and I could see something there. Still not sure I did it but again it is what it is. Yes it would cost me $750 to get back to my Apple Care. They call that a tier 4 repair...
by Cody
Wed May 18, 2016 8:58 am
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 4387

Re: $750 repair or buy new

Actually it is at The Mall of America Apple Store for that second opinion. The first on was another Apple Store.

Great minds think alike!

Cody
by Cody
Wed May 18, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 4387

$750 repair or buy new [MacBook Pro]

I have a 2013 MacBook Pro (with one year left on Apple Care) that will cost me $750 to repair. They say I spilled some liquid on it thus voiding Apple Care. If I do the repair Apple Care is back in play for another year. Craigslist list my computer right around $1000 (generally with no Apple Care). ...
by Cody
Tue May 03, 2016 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvest or Roth conversion
Replies: 8
Views: 630

Re: Tax gain harvest or Roth conversion

Lots to things to consider. Another thing to add I guess is that if I needed $10000 in the future (after taking Social Security at age 70 - I'm 67) if I take it from the FTSE taxable account I would only pay LTCG tax on about 41% of that amount. My cap gains on FTSE are about 41% of the total. So I ...
by Cody
Tue May 03, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvest or Roth conversion
Replies: 8
Views: 630

Tax gain harvest or Roth conversion

I can't quite figure out which is better in my situation. I have tax space up to the top of the 15% Federal tax rate that I can use until I take Social Security in 2-3 years. At that point I am likely to move into the 25% tax bracket. So which option hereis better? I could sell all of the FTSE (pay ...
by Cody
Fri Apr 08, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: Retirement
Replies: 32
Views: 3171

Re: Retirement

Basically, a number of the hangers-on are keeping younger, more creative folks from energizing the profession. There are exceptions, of course, but in my experience (I live in an academic community) they are few and far between. Sometimes the truth hurts. Lev People who say they know the "trut...
by Cody
Mon Feb 01, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Is divorced spouse entitled to spouses Social securtity?
Replies: 21
Views: 2345

Re: Is divorced spouse entitled to spouses Social securtity?

I promise this will be the last question on this.

We looked through the linked doc for SSA and couldn't quite figure out which section applies here.

Could you let us know which section# and or letter you think applies.

So much thanks,
cody
by Cody
Mon Feb 01, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Is divorced spouse entitled to spouses Social securtity?
Replies: 21
Views: 2345

Re: Is divorced spouse entitled to spouses Social securtity?

Mike you rule.

Ok then I had read that then after two years of divorce she is eligible for a different benefit. Or is that not true since she is taking this spousal benny?

Thanks,
cody
by Cody
Mon Feb 01, 2016 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Is divorced spouse entitled to spouses Social securtity?
Replies: 21
Views: 2345

Re: Is divorced spouse entitled to spouses Social securtity?

Great help.

So Wednesday she will go into the SS office and request:
1. Spousal benifit based on his record (he is taking it currently).
2. Request a 6 month backdate of that benefit.

Anything else?

Thanks,
cody
by Cody
Mon Feb 01, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Retirement - Ten key years + Summary
Replies: 65
Views: 12763

Re: Retirement - Ten key years

Hello Peter, I guess I'd start with how retirement saving is different from retiremet spending psychologically . We work our entire life accumulating and the "suddenly" we have to reverse the process. To me that realization needs to be visited before any "next step". How do we sh...
by Cody
Mon Feb 01, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Is divorced spouse entitled to spouses Social securtity?
Replies: 21
Views: 2345

Re: Is divorced spouse entitled to spouses Social securtity?

Mike or others could you explain this please.

Edited to add: In fact, if he is entitled, when she applies ASAP for spousal benefits, she should backdate her application for the maximum 6 months.

Why would this help?

Thanks,
cody
by Cody
Fri Jan 29, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Is divorced spouse entitled to spouses Social securtity?
Replies: 21
Views: 2345

Re: Is divorced spouse entitled to spouses Social securtity?

Can she do that if she currently is taking hers now (on her record). Started at 62 on her record and now can she take spousal on his?


T
cody
by Cody
Fri Jan 29, 2016 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Is divorced spouse entitled to spouses Social securtity?
Replies: 21
Views: 2345

Is divorced spouse entitled to spouses Social securtity?

After reading the SSA info on this situation I'm a bit confused. Situation: They have been married more than ten years. She started her social security at age 62 (is now 67). Not sure if is taken SS but is age 68. He earned significantly more than she did. It looks like she needs to wait 2 years whe...
by Cody
Tue Jan 26, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: I think MacBook Air has a "bug"
Replies: 32
Views: 2437

Re: I think MacBook Air has a "bug"

Try shutting it off and rebooting. That will cure many ills.

Or call Apple support - they are great.

Good luck,
cody
by Cody
Sun Jan 03, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Minivan or not?
Replies: 50
Views: 4497

Re: Minivan or not?

The Honda Odessey in Minnesota is terrible on snow and ice. Owner friends feel the same. We now all get Ice 2 from Michelin but they are $600 plus and $120 a year to rotate out (didn't buy new rims for them). The Bizzack tire by Firestone did not do the job (slipped on wet areas during rain for exam...
by Cody
Wed Dec 30, 2015 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Just double checking on when I can pay Roth Conversion Tax
Replies: 5
Views: 411

Re: Just double checking on when I can pay Roth Conversion Tax

For fed tax that IRS DirectPay sight looks like the ticket. Thanks livesoft.

For Minnesota tax is still beleive I have until Jan 15. I'll explore that website once I do the conversion.

Thanks,
cody
by Cody
Wed Dec 30, 2015 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Just double checking on when I can pay Roth Conversion Tax
Replies: 5
Views: 411

Just double checking on when I can pay Roth Conversion Tax

Its my understanding that I have until January 15 of 2016 to pay Roth conversion Federal Tax. (just set up EFTSP for paying fed tax but must now wait up to a week for a pin). And of course I have to make that 2015 Roth conversion in 2015 (next 2 days).

Sound right?
Thanks,
cody
by Cody
Sat Dec 26, 2015 10:06 am
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 7152

Re: [What will you do differently in] 2016

Cheese-breath said
Nothing. I never make New Year's resolutions


You just made one! :happy

best,
cody
by Cody
Tue Dec 22, 2015 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion vs "Tax gain harvesting"
Replies: 7
Views: 550

Re: Roth conversion vs "Tax gain harvesting"

What happens to an inherited cost basis equity should we die? (no plans there but...). Does it automatically reset to 0?

Thanks,
cody
by Cody
Mon Dec 21, 2015 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion vs "Tax gain harvesting"
Replies: 7
Views: 550

Re: Roth conversion vs "Tax gain harvesting"

Minnesota does not follow the Feds. It does not follow the Federal bracketing of LTCG. So even though I pay 0% if I stay the 15% Tax Bracket Minnesota takes a 7.5% cut. As far as my RMD tax brackets - we will be right on the line between 15% and 25% tx bracket with pensions, SS and RMD. It will take...
by Cody
Mon Dec 21, 2015 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion vs "Tax gain harvesting"
Replies: 7
Views: 550

Roth conversion vs "Tax gain harvesting"

I have about three years of "window" until I take Social Securtiy at age 70. I was going to do a Roth conversion up to the top of the 15% tax bracket. Done deal. Them I read Michael Kitces article explaing the advantages of tax gain harvesting. Sell a fund, buy back immediately and thus re...
by Cody
Sat Dec 19, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: Camera recommendations
Replies: 10
Views: 877

Re: Camera recommendations

Canon PowerShot ELPH 350 HS Digital Camera with 20.2 Megapixels and 12x Optical Zoom

Good luck,
cody
by Cody
Fri Dec 18, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: spending (which asset(s) to tap first)
Replies: 10
Views: 1139

Re: spending (which asset(s) to tap first)

Could we discuss a little about putting VSMGX (Vanguard LIfestategy Moderate Growth Fund ) into tax deferred and taxable . I have thought about that idea for some time. Especially as I age. I have too questions: 1) how do you view taxes in the taxable account (that will occur with 50% or so bond all...
by Cody
Fri Dec 18, 2015 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion: Do it online or on the phone?
Replies: 7
Views: 669

Re: Roth Conversion: Do it online or on the phone?

Thanks all. I'll do that Roth Conversion at VG online. And probably do an estimated tax fed and state online too.

Best all,
cody
by Cody
Thu Dec 17, 2015 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion: Do it online or on the phone?
Replies: 7
Views: 669

Re: Roth Conversion: Do it online or on the phone?

Do you remember seeing a box to check for withholding $0. Did it ask if you wanted tax withheld?
Thanks,
cody
by Cody
Thu Dec 17, 2015 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion: Do it online or on the phone?
Replies: 7
Views: 669

Roth Conversion: Do it online or on the phone?

Is there any compelling reason to place a Roth Conversion order using the phone versus doing it online?

I did a dry run of the Roth Conversion at Vanguard - but did not get a place asking how much tax to withhold (I want $0 withheld) . Maybe I didn't go far enough into the test run?

Thanks,
cody
by Cody
Tue Dec 15, 2015 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Should I continue to postpone Social Security?
Replies: 27
Views: 2703

Re: Should I continue to postpone Social Security?

I wonder if the OP factored in the cumulative amount of the restricted application between his FRA and his filing at age 70 when calculating the break-even age. Most don't, although break-even is non-consequential in my opinion. Vested 1: I did indeed count the restricted app dollars as part of the...
by Cody
Sun Dec 13, 2015 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I continue to postpone Social Security?
Replies: 27
Views: 2703

Should I continue to postpone Social Security?

I'm 67 in February, 2016 and had planned on continuing my postponement of SS. I recieve a "Restricted Application SS" based on my wife's record which covers roughly 25% of the "floor" of our expenses The cost to delay: Because the Restricted App. covers 25% of our expenses we hav...
by Cody
Sun Nov 22, 2015 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Is W-2 the sole requirement of buying a Roth
Replies: 16
Views: 1433

Re: Is W-2 the sole requirement of buying a Roth

From the link provided by LadyGeek. What Is Not Compensation? Compensation does not include any of the following items. Earnings and profits from property, such as rental income, interest income, and dividend income. Pension or annuity income. ** Deferred compensation received (compensation payments...
by Cody
Sat Nov 21, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Is W-2 the sole requirement of buying a Roth
Replies: 16
Views: 1433

Re: Is W-2 the sole requirement of buying a Roth

Hum? How did you find out you could not buy roths?

cody
by Cody
Sat Nov 21, 2015 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Is W-2 the sole requirement of buying a Roth
Replies: 16
Views: 1433

Re: Is W-2 the sole requirement of buying a Roth

Thanks, I'll check the w-2 when I get home.
cody
by Cody
Sat Nov 21, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Is W-2 the sole requirement of buying a Roth
Replies: 16
Views: 1433

Is W-2 the sole requirement of buying a Roth

Although my wife and I are both on social security and have pensions (none of which qualifies us for Roth purchases) she does get a W-2 tax form. Does that qualify us to purchase Roths? My research, although limited, seems to indicate that the W-2 is "earned income" and thus we can purchas...
by Cody
Sun Nov 15, 2015 11:11 am
Forum: Investing - Help with Personal Investments
Topic: What would be the likely [tax] cost of a 50-50 Target Fund in taxable
Replies: 14
Views: 1549

Re: What would be the likely [tax] cost of a 50-50 Target Fund in taxable

Thanks so much for all the help.

grabiner - just to clarify- that would be $176 per year for a $100,000 holding Target 2015 in taxable (in 2014). Plus Minnesota State tax on Short Term Cap gains. That sounds like too little somehow.

Thanks,

cody
by Cody
Sat Nov 14, 2015 10:46 am
Forum: Investing - Help with Personal Investments
Topic: What would be the likely [tax] cost of a 50-50 Target Fund in taxable
Replies: 14
Views: 1549

Re: What would be the likely [tax] cost of a 50-50 Target Fund in taxable

This is my chance to really show my ignorance. If you had purchased $100K of TR 2015 on Jan. 2, 2014 you'd have bought about 6,803 shares at $14.70. In Dec. 2014 the fund distributed the following per share: Dividend $0.28400 ST Cap Gain $0.02500 LT Cap Gain $0.14300 So you have received $.452/share...
by Cody
Thu Nov 12, 2015 11:35 am
Forum: Investing - Help with Personal Investments
Topic: What would be the likely [tax] cost of a 50-50 Target Fund in taxable
Replies: 14
Views: 1549

What would be the likely [tax] cost of a 50-50 Target Fund in taxable

What would be the likely total cost of putting $100K into a 50-50 Target Fund (Vanguard Target Retirement 2015 Fund (VTXVX) in taxable (in the 15% tax bracket). $100K is just for example sake. Don't worry about all the benefits to have Total Stock Market and FTSE in taxable as I now have. I know its...
by Cody
Thu Nov 05, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay a CPA to fill out form 709 (Gift form)?
Replies: 21
Views: 1648

Re: Should I pay a CPA to fill out form 709 (Gift form)?

I'm not sure that "loan" will work since we closed 6 months ago. We have no records of such a loan. I had thought of that at the time but didn't go through with it. So looks like my options are 1) Do it myself 2) CPA 3) EA Still not sure how to find an EA. I'll see what a google seach does...
by Cody
Wed Nov 04, 2015 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay a CPA to fill out form 709 (Gift form)?
Replies: 21
Views: 1648

Re: Should I pay a CPA to fill out form 709 (Gift form)?

Firstly, she is divorced now. Which is of course bad in some ways. But good in that we were going to sell the place to them as "husband and wife" which would of ment that the husband, who bolted, would have been entitled so half the house assets. Thus, since my daughter it not married, we ...
by Cody
Wed Nov 04, 2015 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay a CPA to fill out form 709 (Gift form)?
Replies: 21
Views: 1648

Re: Should I pay a CPA to fill out form 709 (Gift form)?

Not sure what an enrolled agent is?

Thanks,
cody

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