Search found 1902 matches

by runner9
Tue Apr 25, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Appealing a bill
Replies: 18
Views: 1244

Re: Appealing a bill

I would call the insurance company and ask what codes were processed for the visit. Describe to them what happened and see if they believe the codes match (length of visit, etc.)
by runner9
Tue Apr 25, 2017 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 70
Views: 7905

Re: Ally Bank - Savings Account Rate Increased!

Honestly, when I opened the online account in '08 yield was 1.0% and I assumed it would last a few months and they would drop it. However, they never did. Not true. The rate was 0.84 for much of 2012 and half of 2013. https://www.depositaccounts.com/banks/ally-bank.html#savings (Click the yellow de...
by runner9
Sat Apr 22, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Strange cable wall jack in home. What is it? (pics included)
Replies: 18
Views: 3421

Re: Strange cable wall jack in home. What is it? (pics included)

How can you be sure there's no current/it's not active and NEVER will be going forward??
by runner9
Sat Apr 22, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 81
Views: 6317

Re: Removing a tree - expensive!!!

Get 2 more quotes. What's the harm in that, will only cost you a little time.

Why would a stump grind be $650? Maybe it's a different part of the country but a typical stump here in NE Ohio is under $100 for sure.
by runner9
Sat Apr 22, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 70
Views: 7905

Re: Ally Bank - Savings Account Rate Increased!

I see APY 1.05% and Interest Rate 1.04% when I look at my saving account's account details.
by runner9
Fri Apr 21, 2017 7:04 am
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2529

Re: Building your own fence

A few years ago I helped a neighbor do 9 holes with a 2 person auger in clay. It was horrible, back hurt for days. I'd rent a bigger machine you don't have to actually hold if doing again.
by runner9
Thu Apr 20, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help - 3 fund @ Fidelity
Replies: 8
Views: 536

Re: Help - 3 fund @ Fidelity

So you have a 401k at Fidelity with no access to Fidelity funds?
by runner9
Tue Apr 18, 2017 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Taxes- okay to just drop in the mail today??
Replies: 29
Views: 3130

Re: Taxes- okay to just drop in the mail today??

I'd walk into the post office and watch them stamp the postmark, for my piece of mind.
by runner9
Mon Apr 17, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Determine Cost Basis (when 1 JT TEN dies)
Replies: 5
Views: 476

Re: Determine Cost Basis (when 1 JT TEN dies)

Thanks. I called a few times today and finally got through this afternoon. The lady said I/we could leave that blank, or put a percentage such as 50% or 100%. I put 100%

Still will need cost basis for 2017 taxes. $5.89 a share for X shares, but have no idea how many shares they owned in 2009.
by runner9
Mon Apr 17, 2017 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Determine Cost Basis (when 1 JT TEN dies)
Replies: 5
Views: 476

Re: Determine Cost Basis (when 1 JT TEN dies)

After reading this I think I need to contact the company that manages the stock, or have my MIL do that. Getting a statement from 2009 would be far easier I believe.

http://www.investopedia.com/ask/answers ... tbasis.asp
by runner9
Sun Apr 16, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Determine Cost Basis (when 1 JT TEN dies)
Replies: 5
Views: 476

Determine Cost Basis (when 1 JT TEN dies)

My FIL died on 3/6/2009. My MIL is finally transferring Comcast stock into her name. On the form it asks for Cost Basis. One option is "Inheritance" It then wants date of death_______ and Fair Market Value Per Share_______ and then "For shares jointly held: Enter the number of shares ...
by runner9
Sun Apr 16, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Home remodel / addition plans
Replies: 17
Views: 1791

Re: Home remodel / addition plans

Can't agree enough about putting wood blocking behind where stuff will need to be attached when finished. Struggling right now with a towel bar that's pulled out of the wall several times. Wish I could go back and put a 2x4 between the studs right there to attach too.
by runner9
Sat Apr 15, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to take RMD
Replies: 18
Views: 2286

Re: Best way to take RMD

You can save on your taxes by making a Qualified Charitable Distribution (QCD) as part of your RMD. This is a donation made directly from your IRA account to a qualified charity. If you take possession of the money, it cannot be used for a QCD. You must be at least 70.5 to make a QCD, so don't do i...
by runner9
Sun Apr 09, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Online high school
Replies: 38
Views: 2336

Re: Online high school

More info please. For sure she needs to be self motivated, driven and a good reader.

Personally I think there should be really good reasons why a traditional HS wont/hasn't worked first.
by runner9
Sun Apr 09, 2017 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Few questions to those who switched to Ally Checking
Replies: 69
Views: 5396

Re: Few questions to those who switched to Ally Checking

We have no issues with Ally and have checking and savings there. There are stories of trying to verify identity to open an account, I've not heard of any issues once the account is open.

6 Withdraws per cycle for savings is a Federal Reserve Board rule for all US savings accounts. (Regulation D)
by runner9
Sat Apr 08, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Money software user & Chase Bank's discontinuance of its support
Replies: 9
Views: 567

Re: Money software user & Chase Bank's discontinuance of its support

Maybe I take the slow road, but I type all receipts into Microsoft Money by hand and always have.
by runner9
Sat Apr 01, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 4711

Re: Is Craigslist still the main site to sell stuff locally?

In some areas, there are big Facebook "Buy Sell Trade" groups that crop up, some are more active than others. If on Facebook you type in a location and "buy sell" you'll probably find one in most regions. Agreed. Around here it's for sure the way to go, IMO. I'd suggest starting...
by runner9
Thu Mar 30, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: (Updated Again- Happy Ending) Issue With Contractor. What to do?
Replies: 56
Views: 5490

Re: (Updated Again- Happy Ending) Issue With Contractor. What to do?

Any update? I see the original post updated with a planned meeting. Did that happen? Any resolution to the duct issue?
by runner9
Tue Mar 28, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Where can I buy Vanguard Funds w/o Fees ?
Replies: 37
Views: 2966

Re: Where can I buy Vanguard Funds w/o Fees ?

Opinions vary. You can find a webpage with negative reviews for any company. I'd start at Vanguard and see. Otherwise, try Fidelity with Fidelity Funds.
by runner9
Tue Mar 28, 2017 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Helping my MIL figure out her holdings (Success! at least mostly)
Replies: 47
Views: 4134

Re: Helping my MIL figure out her holdings (Success! at least mostly)

I found the $8,200 Legal Claimant Services was talking about! :happy :D :happy :D Yesterday I got the forms in the mail from Ohio Unclaimed Funds after I called last Friday. There were 3 small claims, each less than $10. One was "Comcast Corp" for "Dividends" I was very hopeful I...
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: 7
Views: 696

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 (Success! at least mostly)
Replies: 47
Views: 4134

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 (Success! at least mostly)
Replies: 47
Views: 4134

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 (Success! at least mostly)
Replies: 47
Views: 4134

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: 56
Views: 5490

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: 56
Views: 5490

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: 1915

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: 819

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: 1883

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: 579

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: 579

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 (Success! at least mostly)
Replies: 47
Views: 4134

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: 819

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 (Success! at least mostly)
Replies: 47
Views: 4134

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: 819

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 (Success! at least mostly)
Replies: 47
Views: 4134

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 (Success! at least mostly)
Replies: 47
Views: 4134

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 (Success! at least mostly)
Replies: 47
Views: 4134

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 (Success! at least mostly)
Replies: 47
Views: 4134

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 (Success! at least mostly)
Replies: 47
Views: 4134

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: 2952

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: 2411

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: 913

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: 913

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: 1389

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: 994

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: 537

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.

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