Search found 2467 matches

by tomd37
Thu Jan 19, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Final Income Tax Return
Replies: 5
Views: 893

Re: Final Income Tax Return

IRS Form 1310, Statement of Person Claiming Refund Due a Deceased Taxpayer, is a one-page simple form that should be attached to the final federal tax return. In doing tax returns for the AARP Foundation Tax Counseling for the Elderly (TCE) I occasionally use this form. And yes, I agree it is best t...
by tomd37
Sun Jan 15, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help with taxes
Replies: 27
Views: 1854

Re: Help with taxes

And I have one or two new clients a year wanting to file MFS and when they tell me some specifics they usually come out better financially by filing MFJ and utilizing the 8379 Injured Spouse form. PS: Certified again yesterday using the L&L system. First time for that, but they finally convinced...
by tomd37
Sun Jan 15, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help with taxes
Replies: 27
Views: 1854

Re: Help with taxes

Drmoneytails Give very careful consideration to using a filing status of MFS. There are a number of special rules that apply when using that filing status, some of which may apply to you. The rules can be found of pages 21-22 of IRS Publication 17 which is available online at http://www.irs.gov. I r...
by tomd37
Thu Jan 12, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9142

Re: How much do you typically spend in a restaurant?

Older couple in early 80's. Just went out last night to local good quality restaurant, but not upscale. Each had a glass of wine @ $9, shared one $8 appetizer, each had entrée for about $26. Total bill including 9.25% state and local sales tax and 20% tip was $100. Thinking back the last year we can...
by tomd37
Sat Jan 07, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Amex blue cash - when does the $6500 threshold "restart"?
Replies: 16
Views: 1317

Re: Amex blue cash - when does the $6500 threshold "restart"?

Blevine - Any indication from AMEX that your account number will remain the same with the new card? At 80 my memory is not as good as it used to be and hopefully I will not need to learn a new number. :wink: Just looked online at my 2016 year-to-date report to see specifically what I spend on grocer...
by tomd37
Sat Jan 07, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Amex blue cash - when does the $6500 threshold "restart"?
Replies: 16
Views: 1317

Re: Amex blue cash - when does the $6500 threshold "restart"?

Blevine, Was this a separate letter from AMEX or part of your monthly billing? Am trying to determine if the timing is related in any way to my anniversary date or if they have just selected one date to make the change effective. I have had this card for 16 years now and would consider changing over...
by tomd37
Sat Jan 07, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: How do I go about this? (selling VG fund and wanting to purchase shares of one VG fund I own and another is non VG fund)
Replies: 1
Views: 174

Re: How do I go about this? (selling VG fund and wanting to purchase shares of one VG fund I own and another is non VG f

Why not call your VG brokerage representative and get the answer directly from them. Maybe they will even do the total transaction for you while on the call. If they cannot do it for you in total they might be able to do part and then tell you how and when to accomplish the remainder.
by tomd37
Mon Jan 02, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU New Certificate Offering
Replies: 6
Views: 1429

Re: Navy Federal CU New Certificate Offering

I saw that 5 and 7 year offering from Pen Fed, but do not want to ties up funds for that length of time with those early withdrawal penalties. :thumbsdown
by tomd37
Sun Jan 01, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 667
Views: 28749

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

Saphomd,
This post is referring to the 2016 contest. I have not seen the 2017 contest open yet.
by tomd37
Sat Dec 31, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should we itemize or take the standard deduction?
Replies: 8
Views: 653

Re: Should we itemize or take the standard deduction?

Check out the "special rules" under the married filing separately filing status contained on pages 21-22 of IRS Publication 17. Also don't forget if you use the MFS filing status you both must take either the standard deduction or itemized deductions; one cannot itemize and the other take ...
by tomd37
Sat Dec 31, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Charitable Distribution: "public charity" definition
Replies: 15
Views: 588

Re: Qualified Charitable Distribution: "public charity" definition

Pshonore - There was a similar notation to make in the software program for Tax-Aide last year indicating a QCD contribution and the amount of it. Have not yet noticed anything in the new TaxSlayer program being utilized in Tax-Aide program this year, but strongly suspect it is there also. If my mem...
by tomd37
Wed Dec 28, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: Residential energy property costs
Replies: 2
Views: 195

Re: Residential energy property costs

Sounds like it's a line 22 entry. Don't forget that the cumulative total of all energy credits claimed anytime after tax year 2006 cannot exceed $500.
by tomd37
Tue Dec 27, 2016 9:28 pm
Forum: Personal Consumer Issues
Topic: Cutting Trees in the Back Yard
Replies: 27
Views: 2048

Re: Cutting Trees in the Back Yard

Carlton - Did that person really grind the stump and roots 3 to 4 feet into the earth? Have never seen a grinder that could go that deep!
by tomd37
Tue Dec 27, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: Cutting Trees in the Back Yard
Replies: 27
Views: 2048

Re: Cutting Trees in the Back Yard

I would suggest that you get quotes from several companies and ensure that they employ and use certified arborists. A mature tree can be worth thousands of dollars in property value. Ask for a copy of their insurances and call the insurance company yourself to ensure the insurance is in effect. A pr...
by tomd37
Thu Dec 22, 2016 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Reliable washer/dryer brands
Replies: 42
Views: 2880

Re: Reliable washer/dryer brands

Just took delivery two weeks ago of matching Speed Queen top-load washer (with agitator) and electric dryer, both with electronic controls guaranteed for five years. Manual controls are guaranteed for three years. Niece bought same set a little over a year ago and loves them. You won't find Speed Qu...
by tomd37
Tue Dec 20, 2016 11:43 am
Forum: Investing - Theory, News & General
Topic: Wellesley dividends
Replies: 6
Views: 971

Re: Wellesley dividends

:annoyed
by tomd37
Mon Dec 19, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: Humidifier controversy
Replies: 18
Views: 2764

Re: Humidifier controversy

Just want to share a bit of information to this discussion of humidifiers added to a heating system. We have lived in middle Tennessee for the past twenty years and have always felt we needed to add moisture to the home during the winter. To achieve that years ago we installed a Skuttle brand spray ...
by tomd37
Sun Dec 18, 2016 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Set it and forget it Portfolio
Replies: 8
Views: 1255

Re: Set it and forget it Portfolio

Rags - VWENX is Wellington (ADM). Most of us know what you meant but you might want to edit your original post.
by tomd37
Fri Dec 16, 2016 5:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Nashville / Mid-TN Chapter Master Thread
Replies: 34
Views: 3830

Re: Nashville / Mid-TN Chapter Master Thread

As far as I know there was no meeting held.
by tomd37
Thu Dec 15, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 5487

Re: Branch from our tree fell on neighbor's house ??

Along the lines of this subject, my home backs and sides up to common area owned and maintained by the homeowners association. There are several trees on their property to the side of my home from which branches overhang my roof. I just finished some tree work on my trees and part of that work was t...
by tomd37
Wed Dec 14, 2016 10:55 am
Forum: Forum Issues and Administration
Topic: What happens when you speak in TICKER language.
Replies: 44
Views: 6865

Re: What happens when you speak in TICKER language.

If I remember correctly, and it has been thirty-six years since I retired from the Navy, in military correspondence you always spelled something out and put the acronym in brackets behind it the first time in the correspondence. From that point onward you could use the acronym. This could be applied...
by tomd37
Mon Dec 12, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners insurance rebuild cost
Replies: 9
Views: 1330

Re: Homeowners insurance rebuild cost

Watty is clearly stating specific things that I had in mind when posting. There are a lot of unforeseen things. Thanks Watty.
by tomd37
Mon Dec 12, 2016 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners insurance rebuild cost
Replies: 9
Views: 1330

Re: Homeowners insurance rebuild cost

I suspect there is a difference between selling price if you were to sell today and the replacement cost if your home was destroyed by fire for example with the latter being more. I realize one is not insuring the value of the land itself when buying home insurance, but you are insuring the value of...
by tomd37
Sun Dec 11, 2016 2:53 pm
Forum: Investing - Theory, News & General
Topic: What is a good balance between US and international stocks?
Replies: 6
Views: 709

Re: What is a good balance between US and international stocks?

Speaking of right balance between US and Int'l stock funds, does the participant's age play into the equation? Is there a difference between the accumulator and the person deep into retirement (80)? I am still pondering Jack Bogle's statements that in his thinking no international is absolutely requ...
by tomd37
Sat Dec 10, 2016 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: That second bank
Replies: 14
Views: 1785

Re: That second bank

Friar J, Like you I have always maintained an account of some type, since 1961 in my case, with NFCU and have really never had an account at a local brick & mortar until settling here the Nashville area in retirement. Sometimes one just does need a local bank to help with certain things that ten...
by tomd37
Sat Dec 10, 2016 5:17 pm
Forum: Investing - Theory, News & General
Topic: To Use Vanguard PAS Or Not
Replies: 11
Views: 1378

Re: To Use Vanguard PAS Or Not

"$295,000 in 21 Vanguard funds that were set up for me by a friend of mine who is a certified financial planner." And you are claiming him as "a friend"? :oops:
by tomd37
Wed Dec 07, 2016 5:01 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU New Certificate Offering
Replies: 6
Views: 1429

Re: Navy Federal CU New Certificate Offering

Just remember that at NFCU the month of May is military appreciation month and they usually have some great certificate offers. Last year it was 15-months at 3% APY. :moneybag
by tomd37
Wed Dec 07, 2016 12:56 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU New Certificate Offering
Replies: 6
Views: 1429

Navy Federal CU New Certificate Offering

Just learned that NFCU has a new Share/IRA/ESA add-on certificate offering at 2.00% APY for 17 months with a $50 minimum and $50,000 maximum limit with one per member allowance.
by tomd37
Tue Dec 06, 2016 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Determining cost basis in taxable account - "uncovered" shares
Replies: 10
Views: 599

Re: Determining cost basis in taxable account - "uncovered" shares

And it is very embarrassing when you are the LC and you don't think about the situation up front. :annoyed
by tomd37
Tue Dec 06, 2016 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Simplyfying to 1-Fund Portfolio?
Replies: 13
Views: 1573

Re: Simplyfying to 1-Fund Portfolio?

Itstoomuch - Both drawing SS and I have military pension. Articpineapple - Am well aware of passive vs active and lack of international stocks. I tend to follow Jack Bogle and his no more than 20% international position, if at all. I can see your points on US stock diversity with what I have vs limi...
by tomd37
Tue Dec 06, 2016 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Simplyfying to 1-Fund Portfolio?
Replies: 13
Views: 1573

Simplyfying to 1-Fund Portfolio?

As we age into our early 80’s I am looking to possibly simplifying our current tax-advantaged 4-fund portfolio consisting of Vanguard total stock, I-T bond, international stock, and REIT index funds in a 40% stock and 60% bond ratio. I am thinking about this from a couple of different perspectives; ...
by tomd37
Tue Dec 06, 2016 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Determining cost basis in taxable account - "uncovered" shares
Replies: 10
Views: 599

Re: Determining cost basis in taxable account - "uncovered" shares

Boglegirl81, Before you get too concerned about the cost basis, determine whether or not you are going to even have taxable income based on whatever basis you can properly use. I do tax returns in the AARP Tax-Aide volunteer tax program and often run into people who have no idea of what the basis is...
by tomd37
Tue Dec 06, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Need info on taxes on death of father
Replies: 5
Views: 554

Re: Need info on taxes on death of father

Qualifying widow(er) filing status will not apply unless there is a qualifying dependent child involved.
by tomd37
Sun Dec 04, 2016 11:40 pm
Forum: Personal Consumer Issues
Topic: Merkur Safety Razor = money saved
Replies: 25
Views: 1708

Re: Merkur Safety Razor = money saved

Rainmaker et al,
Would you mind sharing which models you like? I am interested in possibly switching and would like to hear about the specific models and other shaving items you like. Thanks.
by tomd37
Sat Nov 26, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing federal withholding
Replies: 9
Views: 1173

Re: Reducing federal withholding

SlowMoving - Do you know how long it is going to take your employer to implement the new withholding once you submit it?
by tomd37
Wed Nov 23, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: Where to buy a Vanguard hat?
Replies: 44
Views: 4834

Re: Where to buy a Vanguard hat?

That's what happened to me - I ordered the one with Vanguard written out and they sent me the V one. Around here (Nashville area) V equates to Vanderbilt University and I am not and don't want to be associated with them. Thus I now have two and both are khaki in color sort of maroon lettering. V is ...
by tomd37
Wed Nov 23, 2016 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard's website having issues??
Replies: 1
Views: 419

Re: Is Vanguard's website having issues??

Mine appear to be correct. What specifically is wrong with yours?
by tomd37
Wed Nov 23, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Where to buy a Vanguard hat?
Replies: 44
Views: 4834

Re: Where to buy a Vanguard hat?

Arctic,
If you are ordering a cap be sure to clearly specify which one you want as I speak from experience. They have a habit of substituting one for the other.
by tomd37
Mon Nov 21, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Which single fund to invest in for widow?
Replies: 20
Views: 2430

Re: Which single fund to invest in for widow?

Sorry, I missed that statement :oops:
by tomd37
Mon Nov 21, 2016 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Which single fund to invest in for widow?
Replies: 20
Views: 2430

Re: Which single fund to invest in for widow?

Watty - I am not sure to whom your reply is intended. I suspect me because the OP does not refer to a 4-fund portfolio. Can you clarify please?
by tomd37
Mon Nov 21, 2016 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Which single fund to invest in for widow?
Replies: 20
Views: 2430

Re: Which single fund to invest in for widow?

RadAudit, At age 79 (wife 81) I recently had the same thought as you and my wife would have the same thoughts as your wife does as far as managing a portfolio. I have made a decision that she should go to the Vanguard Wellesley Income Fund Admiral Shares (VWIAX) if I pass first and I would consider ...
by tomd37
Mon Nov 21, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: Any recommendations on washers and dryers?
Replies: 24
Views: 1325

Re: Any recommendations on washers and dryers?

lthenderson,
It is my understanding the Whirlpool makes Speed Queen for Canada only. Amana, now owned by Whirlpool, made older domestic models for Speed Queen. Not sure either whether we are talking the commercial or non-commercial models here. Just my understanding.....
by tomd37
Mon Nov 21, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Why does it take days for return credits back to credit cards?
Replies: 4
Views: 622

Re: Why does it take days for return credits back to credit cards?

It all depends on the vendor - I see many of my returns within thirty-six hours from places like Target and Lowes. Others may take as many as three days, but usually no longer. I use the original AMEX Blue Cash Reward card for virtually all purchases. I have it set so that I get an email reflecting ...
by tomd37
Mon Nov 21, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Where to buy a Vanguard hat?
Replies: 44
Views: 4834

Re: Where to buy a Vanguard hat?

I sent an email this morning to Swervepoint, LLC inquiring as to the availability of their website for ordering Vanguard gear. Meaghan Coleman, Program Order Coordinator responded immediately stating "Unfortunately the website is down for maintenance. If you would like to order Vanguard gear pl...
by tomd37
Sat Nov 19, 2016 8:04 pm
Forum: Personal Consumer Issues
Topic: Home remodel - all at once or in stages?
Replies: 16
Views: 1913

Re: Home remodel - all at once or in stages?

We did a similar major renovation five years ago. My recommendation would be to have a very good, experienced general contractor (GC) in charge and do everything as one whole project. That way you only have the mess once, and there will be a big mess! Your GC will have his own sub-contractors on cal...
by tomd37
Sat Nov 19, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 9005

Re: Honda Cars

For Jimb_,

I agree with your comment about renting and driving a proposed purchase for a week, but where does one find the specific year and model to rent? I don't rent many cars these days, but I suspect finding a new model year in a specific model line might be difficult.
by tomd37
Fri Nov 18, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Where to buy a Vanguard hat?
Replies: 44
Views: 4834

Re: Where to buy a Vanguard hat?

I don't know what has happened in the last several weeks to the website http://www.vanguardgear.com. Several weeks ago I asked my daughter to order a Vanguard ball cap for me which she did and she delivered it to me. Now the website says "There is a problem with this website's security certific...
by tomd37
Sun Nov 13, 2016 1:11 pm
Forum: Personal Consumer Issues
Topic: Speed Queen Owners -- Feedback Requested
Replies: 8
Views: 1238

Re: Speed Queen Owners -- Feedback Requested

Also the upper lines of Speed Queen HE top-loading washers with electronic controls have a 5-year warranty on the control panel vs. 3-years on the manual control panel models.
by tomd37
Sun Nov 13, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Taxes-Married Filing Jointly or Head of Household?
Replies: 9
Views: 613

Re: Taxes-Married Filing Jointly or Head of Household?

Huey - I responded as I did since there was no mention of a qualified dependent in the original post. All too often posters initially leave out information on which to base an accurate reply.

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