Search found 1882 matches

by runner9
Sat Mar 25, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: How to explain MIL's high fees to her
Replies: 1
Views: 67

How to explain MIL's high fees to her

I'm hoping to explain to my MIL the high fees she's paying in her Traditional IRA at UBS. I've mentioned it to her but I think I need some more concrete numbers, etc. Her current IRA: Dec 2009 balance: 16.9K Dec 2016 balance: 18.1K These three funds: 1. UBS Bank USA Deposit Account APY (20% of total...
by runner9
Fri Mar 24, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)
Replies: 45
Views: 3601

Re: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)

I called Ohio Unclaimed Funds again today. Both FIL and MIL have somewhat common names. Several listed with no city or address, how to know if listings could be there's? Folks were very nice and helpful. Found three small listings under his SSN, forms are in the mail to me. They were a bit alarmed a...
by runner9
Thu Mar 23, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)
Replies: 45
Views: 3601

Re: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)

I've done some research on Lucent stock. Might not be worth the effort. Could get $10-$21 on ebay for the certificate. Sites that have some info are: https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=7&ved=0ahUKEwi-1oLcje3SAhVO02MKHdGcCFMQFghIMAY&url=https%3A%...
by runner9
Thu Mar 23, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)
Replies: 45
Views: 3601

Re: Helping my MIL figure out her holdings (Computershare for some)

I'm now holding the actual Lucent Technologies stock certificate. Who do I contact to do something with this? (find out value, then sell) It's a fancy looking thing that is for 43 shares, "CUSI 549463 10 7" and was issued on Sept 30, 1996. Included in the envelope is a letter jointly from ...
by runner9
Fri Mar 17, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 53
Views: 4650

Re: (Updated)Issue With Contractor. What to do?

I've had success with a complaint to the better business bureau. Really got the ball rolling with 2 different companies in completely different fields.
by runner9
Fri Mar 17, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 53
Views: 4650

Re: Issue With Contractor. What to do?

tibbitts wrote:
the bedroom was 60 degrees when I realized what happened.

This is Bogleheads, where 60 is probably warmer than anybody else sets their thermostats in winter.


I'm pretty frugal and energy efficient but 60 is cold to me.

To the OP, I'd also appreciate an update:)
by runner9
Tue Mar 14, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Any way to improve single stage snowblower?
Replies: 22
Views: 1840

Re: Any way to improve single stage snowblower?

As an update, I put the new "paddles" and a new bar on and it's good as new. Cuts through 6-9 inches easily, if wet still does a good job. With the spray it doesn't clog. Love it!
by runner9
Tue Mar 14, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Didn't file 1099DIV, now what?
Replies: 7
Views: 768

Re: Didn't file 1099DIV, now what?

Talked to MIL last night who, only in relation to the weather, said she was planning to get taxes done today. I asked immedietly if she was taking a 1099-DIV and she said she didn't get one--even though the ComputerShare site shows this form with her current address. So, I told her in light of the f...
by runner9
Tue Mar 14, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Looking for direction...two years later
Replies: 18
Views: 1791

Re: Looking for direction...two years later

2. Upgrade your car. You can afford it x 100, you want to, so do it. What's money for if not to buy some of the things you want? You don't have to wait for the wheels to fall off before moving up slightly in car. Hmm...I wasn't expecting this response. I thought the general consensus around here is...
by runner9
Mon Mar 13, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Booster seat: Highback or no back for 7.5 year old?
Replies: 8
Views: 519

Re: Booster seat: Highback or no back for 7.5 year old?

Thanks all. I have 2 of these in our Amazon cart: https://www.amazon.com/gp/product/B006PB2CA4/ I know a different print is cheaper but we like these. Camelcamelcamel has them fluctuating between $31 and $39 regularly so I have an alert for when they drop. With a snowstorm coming I'm in no rush to o...
by runner9
Sun Mar 12, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Booster seat: Highback or no back for 7.5 year old?
Replies: 8
Views: 519

Booster seat: Highback or no back for 7.5 year old?

Our son is on the small side. We've always read to keep him in his 5 point harness car seat until he out grows it as 5 point is safer than a selt belt. Fast forward, he's now 7.5 year old, 48.25 inches and 46 pounds and still in his car seat that is rated to 50 pounds or 50 inches which he's been in...
by runner9
Fri Mar 10, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)
Replies: 45
Views: 3601

Re: Helping my MIL figure out her holdings (Computershare for some)

I finally got through to some one at Computershare for AT&T stocks. He said we must fill out the 2-3 page form and could submit an original raised seal copy of the death certificate to remove my dead FIL from the account, as long as she's keeping it her name only. Otherwise it needs a medallion ...
by runner9
Thu Mar 09, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Didn't file 1099DIV, now what?
Replies: 7
Views: 768

Re: Didn't file 1099DIV, now what?

delamer wrote:Where online are you seeing the 1099s?


We set up online access on the ComputerShare website a few days ago. (They manage the stocks for AT&T)
by runner9
Thu Mar 09, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)
Replies: 45
Views: 3601

Re: Helping my MIL figure out her holdings (Computershare for some)

I called her tonight (no power last night-high winds). She doesn't think she got a 1099DIV last year, maybe for a few years. I posted a separate thread for that as it's not about finding stocks but about taxes: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=213310 She agrees that it's best...
by runner9
Thu Mar 09, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Didn't file 1099DIV, now what?
Replies: 7
Views: 768

Didn't file 1099DIV, now what?

Helping my MIL make sense of her paperwork. Turns out she has about $3K of AT&T stock. It's not in an IRA so I believe it's taxable. She is pretty sure she "didn't receive" a 1099DIV for last year, maybe for a few years in a row but did receive it years ago. I know that's super clear. ...
by runner9
Wed Mar 08, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)
Replies: 45
Views: 3601

Re: Helping my MIL figure out her holdings (no idea where)

Thank all. I'm going to call MIL probably tomorrow night and ask: If she's been getting and then giving the 1099DIV to her tax guy; does it appear on her tax form Is she on the same page to just sell what we find If so, can I call ComputerShare and see what they'll tell me on process since it's join...
by runner9
Tue Mar 07, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)
Replies: 45
Views: 3601

Re: Helping my MIL figure out her holdings (no idea where)

Why don't you pull a Wage and Income transcript from the IRS for the last couple of years. It'll let you know all of the income that's been reported to her SSN, including dividends, interest from banks, 1099-Rs, 1099-Bs, etc. I've concerned this hasn't been happening. I don't know for sure, she has...
by runner9
Mon Mar 06, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)
Replies: 45
Views: 3601

Re: Helping my MIL figure out her holdings (no idea where)

Selling them would then bring up the cost basis. They got 40 something shares in 1995 (I have the details from the site). After that is just tons of dividends reinvested automatically:(
by runner9
Mon Mar 06, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)
Replies: 45
Views: 3601

Re: Helping my MIL figure out her holdings (no idea where)

Please see section 10 of How to Complete the Transfer Request Form for further details. I've no expertise, but what does section 10 of the "How to Complete Transfer Requst Form" say? Turns out section 10 in is the instructions near the back of the link above, but that doesn't really show ...
by runner9
Mon Mar 06, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)
Replies: 45
Views: 3601

Re: Helping my MIL figure out her holdings (no idea where)

Finally saw the paperwork for the first time today.:( We're going through it, not sure of section 10 on this form, page 4: https://cda.computershare.com/Content/c72f3b9d-4642-4874-9d2c-9541a637b7d5 Purpose for Transfer/Cost Basis Data Please check off the applicable purpose of the transfer for share...
by runner9
Mon Mar 06, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: Replace gas water heater with electric?
Replies: 40
Views: 2746

Re: Replace gas water heater with electric?

We went to a power vent gas hot water tank and had previously changed to a HE furnace. With both venting out the side I removed the chimney and added some needed cabinets in the kitchen where it was. Running the hot water tank vent was a bit challenging, we just barely kept it 4 feet from a window. ...
by runner9
Sun Mar 05, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Abandon Ship?
Replies: 34
Views: 2303

Re: 403b Abandon Ship?

Are you eligible or have you looked at: https://www.nysdcp.com/iApp/tcm/nysdcp/index.jsp

I don't live in NY and know nothing about it but in Ohio the 457 is much cheaper than the 403b.
by runner9
Sun Mar 05, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Switching from slice/dice to 2/3 fund portfolio
Replies: 7
Views: 890

Re: Switching from slice/dice to 2/3 fund portfolio

VFWAX plus ARTIX is now supposed to be 2.5% of our portfolio. (Originally it was 16% but 90% of VTPSX's goal has been taken from this.) Right now, since it's goal keeps going down it's 9.82% of the total portolio. This is 6.82% more than the goal asset allocation. (I had rounded to 6.5% earlier)
by runner9
Sun Mar 05, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Switching from slice/dice to 2/3 fund portfolio
Replies: 7
Views: 890

Re: Switching from slice/dice to 2/3 fund portfolio

OP here, I've stayed on the fence about this and kept the status quo. 5 months later I'm now unable to find a rebalancing option that doesn't cause the same problem going forward. Maybe I'm missing something. This was my reason for considering a switch to something simpler. Currently: 241K total por...
by runner9
Thu Mar 02, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Excel challenge: axis min and max to automatically scale
Replies: 20
Views: 1212

Re: Excel challenge: axis min and max to automatically scale

I can't check right now but I believe if you right click on the Y axis or right click the chart there's a spot to format the axis min and max. I know I've done it before.
by runner9
Tue Feb 28, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't Amazon collect sales tax for all items for states that require it?
Replies: 11
Views: 950

Re: Who doesn't Amazon collect sales tax for all items for states that require it?

Yep. See page 8 of the state tax form instructions: http://www.michigan.gov/documents/taxes/MI-1040_Instruction_Book_-_Instruction_Only_545985_7.pdf And on page 7: For purchases of $0 to $1,000,multiply your total purchases times 6 percent (0.06) and enter the amount on Line 1. Can't you therefore ...
by runner9
Tue Feb 28, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage accounts with linked external bank account access for instant transactions?
Replies: 4
Views: 503

Re: Brokerage accounts with linked external bank account access for instant transactions?

I buy roughly $450 in a mutual fund or ETF at Vanguard every 2 weeks, also funded from Ally savings or checking. I have no issues in years of doing this.
by runner9
Tue Feb 28, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Refund...Wife asked, "Is it legal?!?!"
Replies: 17
Views: 3441

Re: 2016 Tax Refund...Wife asked, "Is it legal?!?!"

I agree, forecast out the rest of 2017 and if similar change your W4 withholding.

That's not government money you're getting as a refund, it's your own money you've been loaning to the government for free.
by runner9
Mon Feb 27, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 37
Views: 3245

Re: Cruise suggestions.

I looked up the insurance on the above website and found it much cheaper than Viking. About $530 vs $1200 for two people. Was this site that cheap when other used it? I also do not understand all the language about pre-existing conditions. I am an old guy with some medical things wrong that I take ...
by runner9
Mon Feb 27, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market Question
Replies: 19
Views: 1764

Re: Vanguard Money Market Question

How much money are you regularly moving around that $150K a day is a problem?
by runner9
Mon Feb 27, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 37
Views: 3245

Re: Cruise suggestions.

PM if you didn't yet get insurance and you made your first payment more than 14 or 21 days ago, if you need pre-existing condition coverage. Or just contact http://www.TripInsuranceStore.com That's who we've always used (thanks to recommendation on CruiseCritic some time ago), and we've had some la...
by runner9
Wed Feb 22, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Amazon Coupon Code [expired now]
Replies: 23
Views: 2412

Re: Amazon Coupon Code

Thanks, used to get $50 of Red Robin gift cards for $41.37 with the code. Thanks!
by runner9
Mon Feb 20, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Software for photo slideshow
Replies: 7
Views: 524

Re: Software for photo slideshow

Thanks everyone for the suggestions. I ended up using Windows Movie Maker. With a bunch of google searches for help its was relatively easy and I think turned out pretty well, with transitions between all photos and music as well:) It will play on a continuous loop before the meeting and then when t...
by runner9
Mon Feb 20, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 4116

Re: Disney Cruise instead of Disney World?

Thank you to everyone for your opinions and advice. After much though and research we've booked a Royal Caribbean cruise for the very end of May/start of June. We found it to be a good price compared to a Disney cruise, and more relaxing and somewhat less planning then Disney World (at least on pape...
by runner9
Sun Feb 19, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard RMD taxes withheld for Ohio tax
Replies: 2
Views: 233

Vanguard RMD taxes withheld for Ohio tax

I'm helping my mom plan her RMD withdrawals for this year, the year she turns 70.5. I'm able to estimate her tax due using prior returns and know that Vanguard will allow her to have them withhold federal taxes at any percentage over 10% From a form linked from another thread it appears they offer w...
by runner9
Fri Feb 17, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)
Replies: 45
Views: 3601

Re: Helping my MIL figure out her holdings (no idea where)

MIL reached out to me Wednesday to say that she wants help with the AT&T paperwork, it talks about "using a wizard online to supply info. I have no clue" This is the AT&T stock held/managed by Computer Shares. We're setting up a time to get together, is this just as easy as going t...
by runner9
Wed Feb 15, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Software for photo slideshow
Replies: 7
Views: 524

Software for photo slideshow

I'm making a photo slideshow for my son's cub scout pack. I have 117 photos right now with a week to go for people to submit. I'm guessing I'll have close to 200. I could just use the default slideshow in Windows but think a set order with music would be much nicer. There seem to be a lot of options...
by runner9
Wed Feb 15, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 72
Views: 9185

Re: Appalachian Trail thru-hike in retirement?

I've been listing to the podcast "Sounds of the Trail" which is real interviews and stories from real thru hikers. Everything from deep despair to great joy. Clearly the AT and PCT (and CDT) are very different in many ways, certainly worth researching before just picking the closest one ge...
by runner9
Tue Feb 14, 2017 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the AXA 403(b) fees are?
Replies: 14
Views: 922

Re: Does anyone know what the AXA 403(b) fees are?

If you have extra money to do 457 and 403b then go for it, but I'd start with Ohio 457 for each of you, fees will be lower than your current 403 be offering, hard to get any lower going forward.
by runner9
Mon Feb 13, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: $80,000 sitting around
Replies: 8
Views: 1475

Re: $80,000 sitting around

I agree with above, put it in an Ally savings. At 1% you'll get $800 a year in interest. Can move to an Ally checking and write a check instantly, withdraw up to $1K a day at millions of ATMs with fee reimbursement, etc.
by runner9
Sat Feb 11, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the AXA 403(b) fees are?
Replies: 14
Views: 922

Re: Does anyone know what the AXA 403(b) fees are?

What state are you in? In this post you say you're in Ohio, if so go to www.ohio457.org and call them Monday, it's most likely already an option for you. Super low fees, some Vanguard choices.

viewtopic.php?f=2&t=187279&p=2842324
by runner9
Mon Feb 06, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 4116

Re: Disney Cruise instead of Disney World?

Thanks all. Looking at prices we're leaning towards Disney World. There's no chance we'd pull our son out of school for a vacation. We could leave on Saturday, May 27 which might (?) avoid the worst of summer. The Unofficial Guide book will be delivered by Amazon tomorrow, I've been reading a lot on...
by runner9
Sat Feb 04, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 4116

Disney Cruise instead of Disney World?

We've been talking about a trip to Disney World for this summer. Our only child is 7. (he's also small for his age if that's a factor, 46 pounds and 48 3/4 inches tall) We haven't planned much yet, there's a ton of decisions to make, etc. The local paper ran a story about Disney cruises a few weeks ...
by runner9
Fri Feb 03, 2017 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Please help my in-laws move their business 401k away from EJ!
Replies: 7
Views: 1114

Re: Please help my in-laws!! Ensnared by Edward Jones

I'd recommend you retitle the thread to included that they are business owners and this is about moving a 401k. That might help folks with knowledge in that area to click and respond.
by runner9
Tue Jan 31, 2017 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)
Replies: 45
Views: 3601

Re: Helping my MIL figure out her holdings (no idea where)

Thanks all. MIL is short on motivation on all things, which partly explains why this is just being started now. I've asked twice this week about calling "Joe" she called today (Tuesday) after he left for the day. Has asked the same questions repeatedly about the unclaimed fund form, such a...
by runner9
Mon Jan 30, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)
Replies: 45
Views: 3601

Helping my MIL figure out her holdings (Current: paper Lucent stock certificate)

I’m starting to try to help my mother in law figure out her stock/investment/random holdings. She was widowed 8 years ago, I’ve offered many times since then but she chooses to ignore it. Last week she got a letter from “Legal Claimant Services” about some supposed found money. She’s not going to pa...
by runner9
Fri Jan 27, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Speed Queen
Replies: 10
Views: 1439

Re: Speed Queen


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