Search found 682 matches

by dbltrbl
Sat Mar 25, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: 403b Transfer question
Replies: 9
Views: 192

Re: 403b Transfer question

Once Vanguard is on list, let them handle everything trustee to trustee.
by dbltrbl
Thu Mar 23, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about itemizing state income taxes and about foreign tax credit carry forward
Replies: 7
Views: 377

Re: Questions about itemizing state income taxes and about foreign tax credit carry forward

If you used itemized deductions this year you will pay income tax on tax refund next year. If you use standard deduction you will not pay any tax on refund.
by dbltrbl
Tue Mar 21, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact-2017-Plus pre-order $60? (download version)
Replies: 7
Views: 314

Re: Taxact-2017-Plus pre-order $60? (download version)

I paid $10.00 today for Tax Act Federal and State together. Thanks to MikeP's post.
by dbltrbl
Tue Mar 21, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: taxact $10 premium deal today [includes state] [price match if already filed]
Replies: 12
Views: 996

Re: taxact $10 premium deal today [includes state]

Ty Mike. Hope they do not ask for state e-filing extra. :D
by dbltrbl
Mon Mar 20, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm
Replies: 34
Views: 2156

Re: State Farm

I am a former State farm customer. I was with them for 37 years and yes with claims for Auto and Home Insurance. I was satisfied customer and still friends with the Agent. I left as their premium was about $ 1000.00 higher when I compared with another company so I left. I had home, auto and Umbrella...
by dbltrbl
Mon Mar 20, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10654

Re: Paying $20 to E-File State Return

you can e-file in Ohio absolutely free as they have their own forms online. data from Federal will not transfer automatically.
by dbltrbl
Sun Mar 19, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Out of the norm all-equity portfolio to compliment pensions
Replies: 13
Views: 480

Re: Out of the norm all-equity portfolio to compliment pensions

Go with what you and your spouse are comfortable with. Iam retired and still 90% stocks as I have pension. Just do not gamble. If you are 25% allocation stay with it for next 25-30 years. I would agree with suggestion of Vanguard world and sleep better but your choice. You will always have nay sayer...
by dbltrbl
Tue Mar 14, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Georgia Low Income Housing Tax Credit
Replies: 6
Views: 494

Re: Georgia Low Income Housing Tax Credit

Go to nearest library and ask the librarian if there are resources for you to understand what is needed.
by dbltrbl
Tue Mar 14, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Temporarily registering new car at friend's address -- anything wrong?
Replies: 39
Views: 2092

Re: Temporarily registering new car at friend's address -- anything wrong?

How much savings on price we are talking? $200.00 or $2000.00. Buying a new car around $20,000 difference of 200 is peanuts. Another alternative take county B's price to dealer in your region and ask them to match it. I bet they will match it.
by dbltrbl
Fri Mar 10, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: ThomasPartners Dividend Growth Question.
Replies: 8
Views: 419

Re: ThomasPartners Dividend Growth Question.

Vanguard balanced index or something similar at Schwab.
by dbltrbl
Tue Mar 07, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: How long does car lasts and for how long should I build a CD ladder
Replies: 25
Views: 1803

Re: How long does car lasts and for how long should I build a CD ladder

My own vehicles. Honda Accord 17 years and 225000 Miles when sold. Car is still working in year 18 no issues. Chevy celebrity in old days sold after 11 years and 212000 Miles. Chrysler Minivan 14 years and 180000 Miles and basically Kaput. Bottom line, taking care of routine maintenance on regular b...
by dbltrbl
Tue Mar 07, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: New to medicare, I thought they billed quarterly?
Replies: 12
Views: 1658

Re: New to medicare, I thought they billed quarterly?

I guess this might happen because one of us was not careful in handling our assigned duties. May be mail person(Internal) dropped the envelope or delivered to wrong person who sat on it for too long. As long as you had proof you are covered. They can not cash the check, if they don't have the check.
by dbltrbl
Sun Mar 05, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: different tax software, different refunds -- ACA credit problem?
Replies: 4
Views: 300

Re: different tax software, different refunds -- ACA credit problem?

+1 Free tax. As long as you can see all the forms and lines it is reliable.
by dbltrbl
Sun Mar 05, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 5813

Re: Camry Redesign

I would not worry about battery replacement. As an owner of 2006 Prius with 150000 Miles have not had any issues with batteries so far. Knock on wood. My other hybrid is Camry not quiet 3 years yet so who knows.
by dbltrbl
Wed Mar 01, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Contributing to 457(b)
Replies: 3
Views: 194

Re: Contributing to 457(b)

you are on right track. Just contribute to Target retirement fund. Will make your life easier. Once you have substantial amount accumulated you may think about switching if then.
by dbltrbl
Fri Feb 24, 2017 3:45 am
Forum: Personal Finance (Not Investing)
Topic: IRS share federal tax information with states?
Replies: 7
Views: 797

Re: IRS share federal tax information with states?

They absolutely do. In my case, I received a notice from State ITax department that I had different Adjusted gross income on state return than Federal. This according to them required additional payment of $ 800 + Penalty + interest. Fortunately, I had all documents and reason and everything was wai...
by dbltrbl
Sat Feb 18, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Selling taxable fund
Replies: 8
Views: 483

Re: Selling taxable fund

Just call Vanguard. They will facilitate everything. You will still need to pay taxes at the end of year because it is in a taxable event.
by dbltrbl
Tue Feb 14, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Changing FICO Score
Replies: 42
Views: 3763

Re: Changing FICO Score

My experience with Penfed was they started me at very high Credit limit despite having very little money in account with them and having the account open less than 1 month. Varies from issuer to issuer.
by dbltrbl
Tue Feb 14, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: New car purchase
Replies: 12
Views: 1431

Re: New car purchase

Short answer is it depends on Dealer and most will not take more than 5000.00 if that much. Having said that I have purchased couple of cars by putting the full price on it. In one instance (Toyota dealer) it was late at night and I did not have checkbook and I said I will not drive this far to pick...
by dbltrbl
Tue Feb 14, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: New job - 403B options
Replies: 9
Views: 390

Re: New job - 403B options

Are you with a school district or University or health care provider? See if they also offer 457? If they do than do 403 till max match and rest in 457 if better options. If not you are on right track and TIAA ER's are reasonable.
by dbltrbl
Mon Feb 13, 2017 7:14 am
Forum: Investing - Help with Personal Investments
Topic: The 6 403b Companies Offered Where I Teach
Replies: 19
Views: 1162

Re: The 6 403b Companies Offered Where I Teach

Nothing major but are you sure one of the company is GALIC? It should be Valic and almost all choices are bad. Voya may have decent choices depending on your district.

Ohio 457 deferred compensation plan has Vanguard Institutional option so go for it and put only if extra in 403b.
by dbltrbl
Sun Feb 12, 2017 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Car Purchase and Roth Withdraw
Replies: 7
Views: 760

Re: Car Purchase and Roth Withdraw

+1

Get a 1.9% or similar loan not Roth. Most not all new cars come with ZERO % financing. Some may be competitive with used cars so consider that an alternative as you do drive the cars for longtime.
by dbltrbl
Fri Feb 10, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for a donated used car
Replies: 3
Views: 329

Re: Tax deduction for a donated used car

Do you have photos of the car? I would not be hesitant to take FMV as per KBB and at fair condition for the car as long as it was running. It is not my concern what Charity sold it for. Just have the documentation for it.
by dbltrbl
Wed Feb 08, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: Best way to present to my employer a switch to vanguard
Replies: 24
Views: 1409

Re: Best way to present to my employer a switch to vanguard

It is important to point out the savings Company will have and the savings Employees will have separately. Many bosses are not interested in saving money for you if they do not get their free fancy monthly/quarterly lunch from the provider so you need to show what is company savings are. Good luck.
by dbltrbl
Wed Feb 08, 2017 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Help with tax withholdings
Replies: 8
Views: 716

Re: Help with tax withholdings

Use IRS Calculator for with holding.

https://apps.irs.gov/app/withholdingcal ... index3.jsp


What was it last year? Yes you can claim zero and with hold at single rate but you do not want to get a refund of 25000.00 next year. How did you get paid last month?
by dbltrbl
Sun Feb 05, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Teen UTMA account- change to Roth moving forward? Pros/cons
Replies: 3
Views: 183

Re: Teen UTMA account- change to Roth moving forward? Pros/cons

You can not convert existing UTMA account to ROTH. Good idea to put his 2-3k earnings in Roth right away. If he made that in 2016, you have till April 15th to fund a Roth. I for one like the idea of them not getting easy to spend on a car.
by dbltrbl
Sun Feb 05, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Sam's Club vs Costco price comparison sources
Replies: 9
Views: 1587

Re: Sam's Club vs Costco price comparison sources

Most items will be somewhat similarly priced. At Costco, electronics give you 2 years warranty, 90 day return policy not the same at Sam's. Also, brand name tires with $70.00 off every month, is a much better deal. Rest as you noted varies. Get together with a friend and have both memberships.
by dbltrbl
Sun Feb 05, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Gold jewelry where to go
Replies: 3
Views: 683

Re: Gold jewelry where to go

Head to some Indian(East) jewelry shops in large cities like New York, Houston, etc. and get 22K heavy reckless. Cost basically will be current cost of gold plus between 20-35 dollars/gm of labor charge depending on the intricacies of chain. No 400% mark up.
by dbltrbl
Sat Feb 04, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Help with sudden death of young father Re: SS
Replies: 10
Views: 1721

Re: Help with sudden death of young father Re: SS

If she can visit in person local SS office,that will help a lot. My experience going in person is always best and gets the right answer most times.
by dbltrbl
Sat Feb 04, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase downpayment sourcing
Replies: 14
Views: 1244

Re: Home Purchase downpayment sourcing

Wait till you have saved down payment. If it means 2 or 3 years later so be it. Do not worry about interest rates. I purchased mu house at the highest interest rate, 8.25%, yes you read it right. Do not worry but have solid down payment and extra 10,000 or so for the house depending on fixtures, cur...
by dbltrbl
Sat Feb 04, 2017 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Need Help w/ Roth IRA and 401K
Replies: 5
Views: 650

Re: Need Help w/ Roth IRA and 401K

With income of 120k you are fine not really late so relax. Just start. Most of your funds are excellent and depending on your tolerance for risk you can decide on allocation. I would suggest among 401k, Institutional Index. In RIRA again you have excellent choices available so pick and stick with it.
by dbltrbl
Wed Feb 01, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: Can they do better on the price of the car?
Replies: 14
Views: 1571

Re: Can they do better on the price of the car?

Do you like the car and options? If so, it is a good price. Look at KBB for same car and options. If you are getting hold-backs it is decent. AS OP have said make sure what other costs are. I have seen document fees of $ 40.00 to $ 750.00. Sales tax will depend on your residency. Depending on where ...
by dbltrbl
Mon Jan 30, 2017 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Active Funds
Replies: 36
Views: 2953

Re: Vanguard Active Funds

Vanguard Health Care. You asked for an active Fund.
by dbltrbl
Fri Jan 27, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1437

Re: retirement thanks

Congratulations.Enjoy the Retirement. :sharebeer
by dbltrbl
Tue Jan 24, 2017 8:18 pm
Forum: Investing - Theory, News & General
Topic: ROTH IRA Early Withdrawal and taxes
Replies: 40
Views: 1856

Re: ROTH IRA Early Withdrawal and taxes

Was ROTH IRA 5 years or longer? If not 10% withdrawal penalty applies on everything so 10% of 282.00, ergo $28.00
by dbltrbl
Mon Jan 23, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Recommenations for Travel 220 to 110V transformer
Replies: 11
Views: 448

Re: Recommenations for Travel 220 to 110V transformer

If you are staying at hotels, most will loan you a plug converter in case you forget to pack it.
by dbltrbl
Sun Jan 22, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Tax return for adult daughter
Replies: 26
Views: 2397

Re: Tax return for adult daughter

Make sure she files the tax return because of her income irrespective of whether you claim her as dependent or not. My two cents worth, you should claim her as dependent but you can the scenario both ways on software.
by dbltrbl
Thu Jan 19, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 73
Views: 8898

Re: Fidelity Rewards Visa 2% cash back

It deposits automatically only in a designated Fidelity account after you have reached $ 50.00 in rewards. (2500 points). It will automatically transfer whatever amount you have above 50 dollars to your account. I have had card for about 5 years and it has done that automatically every time it excee...
by dbltrbl
Wed Jan 18, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA for High Net Worth Parents?
Replies: 71
Views: 6561

Re: FAFSA for High Net Worth Parents?

Can not speak for private colleges but all Public schools require FAFSA for any kind of Aid. Our son was given merit full tution for 5 years at a public university before we filled out FAFSA, but we had to fill it out before they will actually give the money. If you like free money, some times thats...
by dbltrbl
Sun Jan 15, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Full tuition assistance vs pension -- what should I do?
Replies: 2
Views: 297

Re: Full tuition assistance vs pension -- what should I do?

I assume same salary. Is pension place private or state? If private can go bankrupt before pension. 401k match up to 10% of salary than can you save 10% of your salary without exceeding 18000 per year limit? Both opportunity in same town? If not which one you and your spouse prefer? Also, free tutio...
by dbltrbl
Wed Jan 11, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Opening custodial Roth IRA for half brother
Replies: 5
Views: 371

Re: Opening custodial Roth IRA for half brother

Yes, you can open custodial account Roth on his behalf. You can not put more money than he earns in any year from now till he turns 18. One he turns 18, money is his. You can help/guide him in putting more money to Roth (as long as he has earned income) and custodian doesn't care where money came fr...
by dbltrbl
Wed Jan 11, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident . Fix car or not ?
Replies: 28
Views: 2050

Re: Car accident . Fix car or not ?

I think insurance company will decide whether car is totaled or not. If totaled by them, they will give you what value they think its worth and you can argue for more. Many times it depends on adjuster. No one would buy it in its present condition so you do not have that option. If you were thinking...
by dbltrbl
Tue Jan 10, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: New to medicare, I thought they billed quarterly?
Replies: 12
Views: 1658

Re: New to medicare, I thought they billed quarterly?

First bill is to get you on a cycle. You will get quarterly bills after that. This way all beneficiaries are on same cycle.
by dbltrbl
Wed Jan 04, 2017 7:49 am
Forum: Investing - Help with Personal Investments
Topic: roth IRA contribution
Replies: 1
Views: 238

Re: roth IRA contribution

Are you in USA? Did you earn $ 5500.00 in USA in 2016? will you earn that much or more in 2017 in USA ? If both yes than it doesn't matter where the money came from. Convert your currency to US dollars and contribute to ROTH tomorrow.
by dbltrbl
Wed Jan 04, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: What is the most inexpensive way to learn driving in Seattle?
Replies: 14
Views: 1071

Re: What is the most inexpensive way to learn driving in Seattle?

Buy a used car (checked out by a mechanic). Than take lessons. Both my wife and our son took lessons. However,they should be spaced out allowing you to practice on your car in between. $ 700.00 is reasonable from a professional teacher with dual brake cars. most likely that will involve only 6 lesso...
by dbltrbl
Wed Jan 04, 2017 7:29 am
Forum: Investing - Help with Personal Investments
Topic: IRA ROTH QUESTION
Replies: 2
Views: 282

Re: IRA ROTH QUESTION

Yes. Working spouse can contribute $5500.00 ( or $6500.00 if above 50 years) per person. Working spouse should open their own ROTH and should fund your ROTH.
by dbltrbl
Thu Nov 10, 2016 9:27 pm
Forum: Personal Consumer Issues
Topic: Problem with Graduate School
Replies: 30
Views: 4456

Re: Problem with Graduate School

Something is fishy. No school or professor ever wants a student to quit their school. So no one is going to do that via grades. Some (Tiny minority) professors may hold you back in graduate studies, not in your grade, so that they can publish more papers using cheap graduate student labor. In this c...
by dbltrbl
Wed Nov 09, 2016 6:42 am
Forum: Personal Finance (Not Investing)
Topic: India to Replace Largest Bank Notes
Replies: 20
Views: 2565

Re: India to Replace Largest Bank Notes

What is a fair amount? It might be worth a trip to India :D and you can deposit them at a bank. IF it is 10,000 Rs or so than just think of it as a donation in anti corruption drive.

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