Search found 126 matches

by bettykayWAAZ
Sun Jul 16, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: new money investment plan -- living expenses
Replies: 8
Views: 559

Re: new money investment plan -- living expenses

hubby is too young for spousal SS, even at FRA. born in 1955. good idea about converts TIRA to Roth. I've done small amounts a couple of times. will do that in 2018+, when taxable income will be less. I agree, two big bond funds are very similar. Every time I decide to roll one into the other, my id...
by bettykayWAAZ
Sun Jul 16, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: new money investment plan -- living expenses
Replies: 8
Views: 559

new money investment plan -- living expenses

I'm fairly happy with my current allocation, almost all tax-deferred. And would welcome some suggestions for improvement, please Next month our portfolio will almost double on the closing of the 4-plex we just sold. This money will go to the Vanguard brokerage account, while we decide what to do wit...
by bettykayWAAZ
Wed Nov 09, 2016 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Safe Deposit Box Fee (Bank of America)
Replies: 19
Views: 5245

Re: Safe Deposit Box Fee (Bank of America)

I have had a free safe deposit box at the same bank (now B of A, before something else) for many year, because I was a senior. I got a letter saying that is no longer available, and the fee is $60. I can visit a branch here in AZ and see what the options are for waiving the fee, but it didn't sound ...
by bettykayWAAZ
Sat Nov 15, 2014 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Degree of Difficulty Obtaining a Mortgage without Income
Replies: 11
Views: 1686

Re: Degree of Difficulty Obtaining a Mortgage without Income

I recently talked to one of the big banks about refinancing a mortgage that my husband and I have. There were two different programs for automatic refinancing that we didn't qualify for. So we started looking at income. They were willing to count my withdrawal from IRAs as income if I could show tha...
by bettykayWAAZ
Fri Oct 24, 2014 1:03 pm
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 7501

Re: LASTPASS Password Program

I don't use lastpass. A friend, who does use lastpass, used my computer. It took me a while to figure out why/how his name appeared on some of my websites. I don't think I could have logged into his accounts -- when I look at it now it asks for email and password. -- anyway, be careful when you use ...
by bettykayWAAZ
Thu Aug 28, 2014 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Own the same fund in multiple accounts?
Replies: 9
Views: 1419

Re: Own the same fund in multiple accounts?

My husband and I both have fund A and Fund B, his is in a Roth and mine in in an IRA. We want to w/d from fund A in my IRA rather than his Roth. So I sell fund A from my IRA, until it gets nearly down to the $10,000 admiral limit. I can't transfer money into it online, because of the frequent trader...
by bettykayWAAZ
Fri Jan 31, 2014 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security name confusion
Replies: 35
Views: 3444

Re: Social Security name confusion

I had a similar problem. Changed my name in 1974, got new SS card and passport, used the new name exclusively for over 30 years. Sometime after that the SSA reverted to my old married name. It was finally resolved on my 3rd visit when I arrived a 4:25 and took a number. They stopped giving out numbe...
by bettykayWAAZ
Tue Oct 22, 2013 10:45 am
Forum: Investing - Theory, News & General
Topic: "Take your RMD soon to avoid an IRS penalty."
Replies: 24
Views: 2496

Re: "Take your RMD soon to avoid an IRS penalty."

I generally contribute $100 to ten organizations, rather than $1000 to one organization/charity. Can I do a QCD for that small amount? Is QCD a fund or a method of withdrawal? Yes, am 70.5 this year. I am interested in lowering my/our income because DH is under 65 and wants to get the best subsidy o...
by bettykayWAAZ
Fri Jan 25, 2013 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan F High Deductible vs Advantage
Replies: 25
Views: 5184

Re: Medicare Plan F High Deductible vs Advantage

I started out with a MA plan that cost $0, but it didn't cover me in the winter when I was in Arizona. So I changed to another MA plan. I was the same group of doctors in both plans, and was very happy. Then my chronic disease flared up and my doctor recommended a treatment that cost $6000 every two...
by bettykayWAAZ
Sat Sep 29, 2012 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Admiral Demotion: I Got The Letter
Replies: 28
Views: 3815

Re: Admiral Demotion: I Got The Letter

My FTSE All World ADM taxable account has been underwater since I funded my Roth IRA 1/26 and 2/3 this year. I have not gotten "the letter" nor been demoted. I'm about $5k underwater. My Tot Intl Stock Ix Admiral T-IRA has been underwater since I sold some shares in April. It is only a few...
by bettykayWAAZ
Sat Sep 01, 2012 7:53 pm
Forum: Personal Consumer Issues
Topic: Tax Prep, Part Time Job...Training?
Replies: 14
Views: 2132

Re: Tax Prep, Part Time Job...Training?

I have been volunteering for many years as a tax aide with AARP. We do taxes for the low income and elderly. I enjoy doing the work, I like the people I work with, the clients very much appreciate the service. Contact AARP for location and training. The training is usually in January, and the servic...
by bettykayWAAZ
Sun Jul 15, 2012 2:07 pm
Forum: Personal Consumer Issues
Topic: To leave the computer on or off?
Replies: 48
Views: 3885

Re: To leave the computer on or off?

I borrowed a kill-a-watt monitor from my public library. It measures home electrical usage. You plug the monitor into an outlet and plug an appliance into the monitor. It gives you the number of watts being used. My laptop computer measures 6.9 to 12.0 watts (the higher number when using youtube or ...
by bettykayWAAZ
Wed Jul 11, 2012 5:16 pm
Forum: Personal Consumer Issues
Topic: Replacing rented Comcast cable modem?
Replies: 58
Views: 20537

Re: Replacing rented Comcast cable modem?

I have always rented a modem. I'm a snowbird and go back and forth between Comcast and Mediacom every year. Every time it seems that it takes more than one visit from the internet provider to get it right, often they switched-out the modem. I thought our problems were because the modems were touchy ...
by bettykayWAAZ
Mon Jun 18, 2012 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F for folks with "conditions"?
Replies: 25
Views: 3403

Re: Medigap F for folks with "conditions"?

I got plan F from Banker's Life at age 68 after I started a very expensive medication. The agent said that they were the only ones who didn't ask questions about Crohn's Disease when you switch. When you sign up at age 65 there are no questions. I have recommended plan F to several people since then...
by bettykayWAAZ
Fri Feb 03, 2012 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Different Address on 1099-MISC
Replies: 8
Views: 1145

Re: Different Address on 1099-MISC

I use both TaxWise (as tax aid volunteer) and TaxAct (personal). TaxWise asks if the address on the received forms are the same as the main address, and if not, we put the odd address on the IRS copy of the received form. In TaxAct, the main address is automatically copied to all received forms. The...
by bettykayWAAZ
Fri Feb 03, 2012 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Selling Second Home to Pay Off Mortgage on First
Replies: 14
Views: 1387

Re: Selling Second Home to Pay Off Mortgage on First

searching for "capital gains" I found two recent threads on capital gains: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=89374 http://www.bogleheads.org/forum/viewtopic.php?f=10&t=88696 I seems it is not an inherited property. I don't know what "transferred to our names&...
by bettykayWAAZ
Fri Feb 03, 2012 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Selling Second Home to Pay Off Mortgage on First
Replies: 14
Views: 1387

Re: Selling Second Home to Pay Off Mortgage on First

Is it really a "second home?" Have you spend enough time there to quality it as a second home? Check the rules. from http://www.irs.gov/taxtopics/tc415.html If you use the dwelling unit for both rental and personal purposes, you generally must divide your total expenses between the rental ...
by bettykayWAAZ
Mon Jan 23, 2012 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Withholding tax on retirement income vs. estimated tax
Replies: 24
Views: 1927

Re: Withholding tax on retirement income vs. estimated tax

I am a tax aid volunteer. The formula for calculating penalty for underpayment of withholding is so complicated that we are told not to do it. The client sends the return to the IRS, the IRS does the calculation, and sends a bill. So I don't know the answer to the question, but I know that they comp...
by bettykayWAAZ
Tue Jan 17, 2012 11:50 am
Forum: Investing - Theory, News & General
Topic: municiple bond funds in IRAs
Replies: 6
Views: 767

municiple bond funds in IRAs

I know that the conventional wisdom is not to have muni's in an IRA account. However, when I asked my friend about where to put my 2012 Roth IRA money she thought I might consider a municipal bond fund. I asked her to explain her reasons so that I could post it here. Below is her reasoning, and some...
by bettykayWAAZ
Sat Jan 14, 2012 9:43 pm
Forum: Investing - Theory, News & General
Topic: Improved Net Worth by Age [and plot]
Replies: 250
Views: 43822

Re: Improved Net Worth by Age [and plot]

entry 192 and 193 are duplicates. please delete one.
by bettykayWAAZ
Sun Jan 08, 2012 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Beneficiaries
Replies: 28
Views: 4203

Re: Vanguard Account Beneficiaries

I consolidated almost all my accounts at Vanguard, with my husband as beneficiary. I have another IRA at Fidelity with different beneficiaries. At Vanguard I have my husband as 95% and my sister as 5% of my primary beneficiary. My secondary beneficiary list is all non-profits that I want to support....
by bettykayWAAZ
Thu Oct 27, 2011 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: medicare advantage vs medigap
Replies: 28
Views: 2937

Re: medicare advantage vs medigap

Postby samjuno ┬╗ Thu Oct 27, 2011 2:37 pm . I'm holding off another year before signing up with medicare so I can keep my employer's HDPH plan and contribute to my HSA. If you are 65 you should sign up for medicare immediately. You don't have to use it, or rather, it could be in conjunction with yo...
by bettykayWAAZ
Thu Oct 27, 2011 11:06 am
Forum: Personal Finance (Not Investing)
Topic: medicare advantage vs medigap
Replies: 28
Views: 2937

medicare advantage vs medigap

When I turned 65 I chose a medicare advantage plan, because it offered an out-of-pocket maximum. At age 68 my Crohn's Disease has returned and I am going to start a very expensive medical procedure (Remicade infusion). If it works, I will likely do it for the rest of my life. I was congratulating my...
by bettykayWAAZ
Thu Sep 22, 2011 11:38 am
Forum: Personal Finance (Not Investing)
Topic: possible scam? B of A litigation.
Replies: 4
Views: 1025

possible scam? B of A litigation.

I got an official looking communication from a law group in Idaho saying I might be eligible to join a statewide lawsuit against B of A for mortgage fraud. I read this as a class action suit and sent them my title and mortgage papers. When they called me back and said that it would cost $5000. I sai...
by bettykayWAAZ
Wed Sep 14, 2011 12:53 am
Forum: Personal Consumer Issues
Topic: What's your favorite gaming platform and game?
Replies: 90
Views: 12126

Jane McGorigal asks the TED community to start playing games (or play more games) to save the world. I haven't started, yet.

http://www.ted.com/talks/jane_mcgonigal_gaming_can_make_a_better_world.html
The title is: Gaming can make a better world.
by bettykayWAAZ
Sun Sep 11, 2011 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Second homes and taxes
Replies: 18
Views: 2223

Domicile means voting, bank accounts, car registration, drivers license, as well as months lived there. We have a second residence in Arizona, but are still domiciled in Washington. DH has Washington state income. We don't pay taxes in Arizona. We have in the past rented our Arizona house for a mont...
by bettykayWAAZ
Sat Sep 10, 2011 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Your Total Tax
Replies: 71
Views: 6582

We show 0 taxes on our IRS return, but counting property tax and sales tax (Washington state has no income tax) our rate was 9.5% (using actual income not IRS income). Our actual income is 4 times what our IRS income is, not by cheating but because of rental property expenses, cap loss carry over, 4...
by bettykayWAAZ
Mon Aug 01, 2011 11:22 am
Forum: Investing - Help with Personal Investments
Topic: What to do with employer life insurance policies
Replies: 30
Views: 3957

What about the insurance that is offered when you get a mortgage or refi? They pay off your mortgage when one of you dies. Is this a financial reasonable option? Do the payments go down as the loan is paid off? I've never looked at this seriously, but might now.
by bettykayWAAZ
Sun Jul 31, 2011 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Seasonal home for 2-3 months a year....maybe?
Replies: 8
Views: 1645

After the meltdown in 2008, I did a calculation on owning our Arizona winter home (our second home) vs renting from someone else. I figured that if the real estate values and stock prices returned at about the same (slow) rate, we would be financially better off renting than owning. However, we real...
by bettykayWAAZ
Mon Jul 25, 2011 12:29 am
Forum: Personal Consumer Issues
Topic: Plea to the Excel gurus...
Replies: 26
Views: 2788

FWIW: I use sumproduct to figure out the value of (for example) VBTLX that we own in three different accounts. =SUMPRODUCT((D$2:D$20)*(C$2:C$20= C24)) -- the happy face is supposed to be a colon, I can't get it to come up right -- where column D is the value and column C it the ticker symbol. C24 is...
by bettykayWAAZ
Fri Jul 22, 2011 11:07 pm
Forum: Investing - Theory, News & General
Topic: Don't you wish Vanguard would....
Replies: 101
Views: 13156

Angst: Fix "Portfolio Watch". The problems and outright errors (with Vanguard's own funds!) are numerous and long-standing. It baffles me that they won't clean it up. +1 BigD52 They won't change Total Bond Market Index.... but what about offering a Total International Bond Market Index Fun...
by bettykayWAAZ
Thu Jul 07, 2011 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Naming beneficiaries in the right order
Replies: 17
Views: 2860

Vanguard has a good explanation of this. You can designate per stirpes or not. Per stirpes means the daughter's children would inherit. Without per stirpes (the default) then it goes to the other beneficiaries. https://personal.vanguard.com/us/content/MyPortfolio/acctprofile/LMAboutBenesContent.jsp
by bettykayWAAZ
Thu Jul 07, 2011 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Naming beneficiaries in the right order
Replies: 17
Views: 2860

A simple solution is to set the secondary beneficiary as 99% to daughter and 1% to charity. The 1% won't be a significant loss to the daughter when she inherits. If the daughter is gone the charity gets all. My IRA specifies 60% to husband and 40% to sister. Secondary goes to charity. I have told my...
by bettykayWAAZ
Tue Jul 05, 2011 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Minimums & Multiple Accounts
Replies: 3
Views: 515

They will, however, combine several accounts to qualify you for Voyager status. They even gave Voyager status to my partner -- we were unmarried and living together. We had to sign some papers. It used to be true that if you sign up for direct deposit the minimums are waived. You might check on that.
by bettykayWAAZ
Thu Jun 09, 2011 12:06 am
Forum: Personal Consumer Issues
Topic: Things to shut off in a house before you leave on a vacation
Replies: 36
Views: 8592

We used to empty and turn off the refrigerator when we left Arizona for the summer. Our new house tender suggests that the fitting/gaskets will wear better if the fridge is left on. He suggested filling both the refrigerator and the freezer with something. I've heard that a full unit stays cold easi...
by bettykayWAAZ
Tue Jun 07, 2011 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Financial Benefits of Marriage?
Replies: 22
Views: 2264

I got married to the man that I had been living with for 15 years because 1) the gain on my house was more that $250,000 2) he had tax deductions that he left on the table 3) the banker said it was easier to get a loan on an investment property if we were married. Our taxes are less because of the i...
by bettykayWAAZ
Tue Jun 07, 2011 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Good email account
Replies: 45
Views: 5608

a feature of gmail is that all emails with the same subject line are kept together -- a thread. it took me a while to get used to it, and now I like it. this feature can be turned off. gmail does look at content to place ads in the side bar. if I email about Arizona I get ads for place in Arizona. i...
by bettykayWAAZ
Tue Jun 07, 2011 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing a Mortgage
Replies: 3
Views: 738

Chase contacted us offering to refinance, up to 125% of the appraised value. When I talked to them I said we weren't interested if they checked income to debt ratio. They assured me we would be OK. However, the appraisal came in lower than any of us expected (but still under 125%) and the insurance ...
by bettykayWAAZ
Wed Jun 01, 2011 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard performance tab on website problems
Replies: 4
Views: 1239

Using the Performance Tab for 2006, I find that my Total Bond account is not included in the total. I converted Total Bond to Admiral Shares sometime after 2007. When I pointed this out to Vanguard they suggested a work around of using the balance by date option to find my balance for past dates. Wh...
by bettykayWAAZ
Thu May 26, 2011 9:26 pm
Forum: Personal Consumer Issues
Topic: Anyone do T'ai Chi?
Replies: 10
Views: 1542

Yes, I recommend T'ai Chi. I practiced for several years in the 70s and feel that it helped my balance the rest of my life. I just started again at the YMCA (paid for by my healthcare provider). It is meditation, balance, exercise, and coordination. It is both difficult to master and easy to do. And...
by bettykayWAAZ
Sun May 22, 2011 11:25 pm
Forum: Personal Consumer Issues
Topic: Burial,Entombment, Cremation?
Replies: 68
Views: 6570

Cremation. If in Seattle, the Peoples Memorial promises the most low cost service. If I die in AZ I don't know where it will happen (and won't care at that point). A friend bought a prepaid burial with Purple Cross. I'm not sure that was a good idea. When my mother was told that the cemetery would c...
by bettykayWAAZ
Sun May 22, 2011 11:15 pm
Forum: Personal Consumer Issues
Topic: About drinking water
Replies: 54
Views: 4575

DH buys filtered water at our local co-op. He uses plastic bottle that are several years old. I choose tap water, but I let it sit in the Britta pitcher without a filter) to let the chlorine evaporate. I heard it take 10 minutes for a glass let go of its chlorine, an hour for the pitcher. We have go...
by bettykayWAAZ
Wed May 18, 2011 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Keep the in laws out of my pockets once I'm dead
Replies: 31
Views: 5234

[/quote]This needs to be worked out with the wife. This cannot be done without the wife's consent (and should not be IMHO). The wife needs to draft her will to say what the brother wants in the event that happens. My husband and I each have a will that says 1) everything goes to the spouse and 2) if...
by bettykayWAAZ
Tue May 17, 2011 9:34 pm
Forum: Investing - Theory, News & General
Topic: High inflation and house gain taxation limit
Replies: 21
Views: 1694

Bruin wrote: So basically, it's in the best interest of someone to sell their home and buy another home once their home has appreciated $500k? Because if they do, all their gains will be tax free, if they do not, any appreciation after the $500k is taxed. I was single until the gain on my house pas...
by bettykayWAAZ
Mon Apr 25, 2011 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Move To Seattle?
Replies: 42
Views: 5366

KUOW Weekday Monday April 25th 9-10 am
stories from the streets of Seattle.
I'm sure you would enjoy the rebroadcast.
http://www.kuow.org/program.php?current=WK1
by bettykayWAAZ
Sun Apr 24, 2011 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Move To Seattle?
Replies: 42
Views: 5366

I've lived in Seattle all my adult life, and I love it here. Lots of physical activity, a blue state, view of Mt Rainier is stunning and takes my breath away every time I see it. The drizzle doesn't hinder most activities, we bicycle, hike, and walk in the rain. The gray skies do bother my husband. ...
by bettykayWAAZ
Sun Apr 10, 2011 5:20 pm
Forum: Personal Consumer Issues
Topic: Favorite cheap, easy, quick at-home meal
Replies: 99
Views: 14915

Crack an egg into a small bowl and scramble. Put a bagel in toaster and toast. When bagel pops up, microwave egg for 54 seconds. As soon as you finish buttering the bagel, the egg will be done. The rounded cooked egg then fits perfectly inside the two bagel halves. I did this with a little cheese a...
by bettykayWAAZ
Sat Mar 26, 2011 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Tax refund-ethical question
Replies: 22
Views: 2364

Several years ago I did taxes for a friend. He had gotten an insurance refund (or something) on which he owed taxes. The IRS apparently didn't get the documentation from the insurance company, and sent my friend a refund, saying he had over paid. Months later, when the insurance company submitted th...
by bettykayWAAZ
Fri Mar 25, 2011 12:31 pm
Forum: Personal Consumer Issues
Topic: Online dating sites - worth it?
Replies: 253
Views: 43935

20 years ago, before internet dating, I met my now husband through a contact magazine. He had to pay $5 to have the magazine forward his letter to me. I had an ad in the magazine for a year, I answered every letter (mostly no thank you), and only met with one person. We moved in together within 6 mo...

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