Search found 2224 matches

by tomd37
Sun Feb 07, 2016 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Made tax payments in 2015, confused about 2015 return
Replies: 8
Views: 374

Re: Made tax payments in 2015, confused about 2015 return

I don't use TurboTax, but as mentioned above there must be some question in the TT program asking if quarterly payments were made in order to get those payments entered on line 65 of the 1040. In my software program if I did not know what form to enter the quarterly payments on, I could link from li...
by tomd37
Mon Feb 01, 2016 4:51 pm
Forum: Investing - Theory, News & General
Topic: Make your retirement money last
Replies: 36
Views: 7456

Re: Make your retirement money last

I received Jane Bryant Quinn's "How to Make Your Money Last, The Indispensable Retirement Guide" as a late arriving Christmas gift in early January. Never having read any of her books previously, I was extremely impressed with this particular offering and would highly recommend it. :thumbsup
by tomd37
Mon Feb 01, 2016 4:41 pm
Forum: Investing - Theory, News & General
Topic: Charles Ellis' suggested portfolios by age
Replies: 53
Views: 4036

Re: Charles Ellis' suggested portfolios by age

As a retired couple 78 and 80, I think Mr. Ellis' percentages are a bit high for us under our personal circumstances. Mainly because our assets are such that we no longer "need" to take risk" even though we have the "ability" and "willingness" to take risk. Mid-yea...
by tomd37
Mon Feb 01, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Made in Germany
Replies: 12
Views: 1263

Made in Germany

"Made in Germany" is a label I don't see very often in this country for everyday items. I was helping out by changing the bed linens on our king-size bed mattress (too heavy for my spouse to lift) and noticed the tag attached to the 100% cotton flannel sheets we purchased years ago from a ...
by tomd37
Mon Feb 01, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Married filing jointly vs separately when I have business deductions
Replies: 18
Views: 661

Re: Married filing jointly vs separately when I have business deductions

It is common for married couples within a certain income range, who both work full-time and have no kids, to may more tax MFJ than they would if they could each file as single Flyingbison - I understand what you mean but I think you meant to say they would pay more tax filing MFJ than they would if...
by tomd37
Thu Jan 28, 2016 10:14 pm
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2647

Re: Manual can opener recommendation

Oxo Smooth Edge Can Opener (hand operated). Best and safest one I have seen in my 78 years. New method of cutting the can results in no sharp edges like the can openers of the old days. Go to http://www.oxo.com and search on can openers. Edit: Just noticed in their site they refer to it as "Oxo...
by tomd37
Mon Jan 25, 2016 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Not Sure Which Federal Tax Form to File
Replies: 14
Views: 939

Re: Not Sure Which Federal Tax Form to File

Over the past 10 to 12 years IRS Form 1098-T from qualified educational institutions have been notoriously bad with their information in boxes 1 and 2. Further back in time information was bad in box 1, and in more recent years educational institutions have migrated the bad information to box 2 and ...
by tomd37
Sun Jan 24, 2016 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Amex/Costco Customer Retention Offer
Replies: 16
Views: 2855

Re: Amex/Costco Customer Retention Offer

Thanks Chris
by tomd37
Sun Jan 24, 2016 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Amex/Costco Customer Retention Offer
Replies: 16
Views: 2855

Re: Amex/Costco Customer Retention Offer

I thought Costco was partnering with a VISA card provider in the US. Which is it, VISA or MasterCard? :confused
by tomd37
Sun Jan 24, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 9096

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

I think the OP has to clarify the original post as to how access was gained by both people. Did she make the recent changes herself in her account, or did she authorize her husband-to-be to make the changes by him accessing the account, or did her father access her account without her permission and...
by tomd37
Thu Jan 21, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 128
Views: 10811

Re: Large amount of CDs maturing....what to do?

After reading all these posts on Cds, I am thankful that I was able to participate in the recent and now expired Navy Federal Credit Union 30-month 2.5% APY certificate. For those people eligible for membership, NFCU periodically comes up with some very good certificate offerings of varying lengths.
by tomd37
Wed Jan 20, 2016 10:07 pm
Forum: Investing - Theory, News & General
Topic: Capitulation!
Replies: 61
Views: 6992

Re: Capitulation!

As a teenager in high school in early to mid-1950s pumped Gulf regular and Gulf No-Nox for 27.9 and 29.9 and then Gulf Crest (purple in color) came out at 31.9
by tomd37
Sun Jan 17, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: Bank of America disses older clients
Replies: 24
Views: 2492

Re: Bank of America disses older clients

Gee, I wish I could be one of those survey participants. Knowing what I know now I would reply with a much younger age and then tell them exactly what I think of BoA. :x :annoyed
by tomd37
Sun Jan 17, 2016 12:43 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6416

Re: Navy Federal CU Special Certificate Offering

Great news Downtown! Glad to hear you were able to get in on the offer. :moneybag
by tomd37
Sun Jan 17, 2016 12:19 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6416

Re: Navy Federal CU Special Certificate Offering

Downtown,
You are correct. It was there on Friday as the first item on the certificate list. I purchased four certificates Friday evening. Have you attempted to call them? Don't know if they have customer service representatives available on Sundays or not.
by tomd37
Sun Jan 17, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: how long can a car last?
Replies: 26
Views: 2048

Re: how long can a car last?

mpt follower, That car should last for many years if properly maintained and not abused. My wife's car, a 2001 Lexus ES300 with 70,000 miles will start its 16th year next month. It has had all the routine maintenance called for in the owner's manual and will last many more years. In the meantime my ...
by tomd37
Sat Jan 16, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6416

Re: Navy Federal CU Special Certificate Offering

Bidwell - Anything to do with the NSCS there at Athens at the time and now in Newport, RI?
by tomd37
Fri Jan 15, 2016 9:16 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6416

Re: Navy Federal CU Special Certificate Offering

mbres60,
I have purchased five certificates since December 11th in my name with my wife as joint owner. Some of their other special certificate offerings (e.g., Special Easy Start and Military Appreciation) had a limit of one per person. Maybe that is to what you refer.
by tomd37
Fri Jan 15, 2016 8:20 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6416

Re: Navy Federal CU Special Certificate Offering

After reading ericinri's post I immediately called NFCU. They normally do not advise when special offers will expire, but this representative clearly stated the offer ends Sunday. I was hoping to do one a month until April (when I heard it would end) but am making the purchases now.
by tomd37
Fri Jan 15, 2016 7:12 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6416

Re: Navy Federal CU Special Certificate Offering

Island,
Just search (Google in my case) NFCU Combined Certificate Disclosures and there you have it. :oops:
by tomd37
Wed Jan 13, 2016 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bought a House Last Year -- Tax Considerations
Replies: 18
Views: 909

Re: Bought a House Last Year -- Tax Considerations

e5116, What is your marital status as of 12/31/2015? Are there any dependents involved? What state do you live in (are there state income taxes to be paid)? For the current 2016 tax year, what is your total estimated itemized deductions relative to the standard deduction for your filing status? What...
by tomd37
Tue Jan 12, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Navy Federal 2.5% 30 month CD - $5k min
Replies: 2
Views: 801

Re: Navy Federal 2.5% 30 month CD - $5k min

It has been going on for a couple of months now. I am more interested in when it is going to end. Of course, NFCU will not commit to any specific date so I am making investments on the last business day of the month in fear of it ending on the last calendar day of the month. Of course, it could end ...
by tomd37
Mon Jan 11, 2016 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Paying estimated taxes
Replies: 24
Views: 2301

Re: Paying estimated taxes

Dannyo38, You did not mention how old you are and if you might be taking RMDs. Depending on how much your RMD amount is and what your overall tax liability is, you might be able to have federal tax withheld one-time to meet your total withholding requirement. I have about 12% withheld from my one-ti...
by tomd37
Fri Jan 08, 2016 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: The Index Card (new personal finance book)
Replies: 13
Views: 1453

Re: The Index Card (new personal finance book)

Victoria - About six hours before you made your post my 44 year old daughter had sent me an email with the NPR link. The email text read "Plain and simple - what my Dad has been telling me for years!" It's gratifying to know that some things sink in.
by tomd37
Fri Jan 08, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Q about credit card unauthorized charges
Replies: 8
Views: 454

Re: Q about credit card unauthorized charges

I have had a few unauthorized charges to my credit cards over many years. A quick call to the credit card company resulted in the card being canceled, a replacement card with new account number overnighted to me, and all unauthorized charges removed from my account by the credit card issuer. I would...
by tomd37
Fri Jan 08, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Owing too much money to taxes. Help with adjusting allowances?
Replies: 12
Views: 1040

Re: Owing too much money to taxes. Help with adjusting allowances?

My experience has been that if I properly prepare an IRS Form W-4 it will give me the proper number of allowances. That said, there are two worksheets on the back of the W-4 that should be looked at and carefully considered and then appropriate results being placed where indicated on the front side....
by tomd37
Fri Jan 08, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: RMD question
Replies: 12
Views: 992

Re: RMD question

whonoze, You could even have enough federal taxes withheld from your annual RMD at year-end to meet your entire tax bill for the year and not have any taxes withheld from any other income sources such as pensions or social security benefits. This, of course, assumes your RMD amount is sufficient to ...
by tomd37
Fri Jan 01, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 2880

Re: Vacuum for hardwood

Another vote for Miele products. We have an upright "Jazz" and a canister (do not know the model name). I do all the vacuuming in the house for my wife who has very limited arm and hand strength. We have hardwood flooring throughout the first floor and carpeting on the second floor. Have a...
by tomd37
Mon Dec 28, 2015 7:13 pm
Forum: Forum Issues and Administration
Topic: Daily Forum Hits
Replies: 4
Views: 508

Daily Forum Hits

Do any of the responsible people here have any knowledge of the number of daily hits on the various categories on this forum? Just curious as to how many people read these forums daily, registered and unregistered.
by tomd37
Sun Dec 27, 2015 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Contribution from IRA
Replies: 50
Views: 2784

Re: Charitable Contribution from IRA

Yes, it became law just before Christmas and is now permanent. No need to wait for approval each year. Goggle PATH Act for more details of what all was in the bill.
by tomd37
Sat Dec 26, 2015 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to tell the Social Security office I got married?
Replies: 8
Views: 579

Re: Do I need to tell the Social Security office I got married?

When it comes time to submit your 2015 tax return to the IRS, the names on the tax return must match the names in the social security records. If your wife is assuming your surname and if she intends to file a tax return under that new name, she must change her name on SS records before filing the t...
by tomd37
Thu Dec 24, 2015 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Performance?
Replies: 45
Views: 4015

Re: Vanguard Personal Performance?

2retire,
Using the guidance provided get to the performance page. At the lower right side you will see a box with a scroll bar in it. Scroll to the appropriate time (1, 3, 5, or 10) and when you do so the percentage will change at the top giving you the rate of return results you are looking for.
by tomd37
Thu Dec 24, 2015 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Performance?
Replies: 45
Views: 4015

Re: Vanguard Personal Performance?

As a 78 year-old retiree taking RMDs for the past nine years and having a 50/50 stock/bond allocation until this year when I reduced it to 40/60 stock/bond allocation, my results have been: 1 year -0.2% 3 years 11.7% 5 years 11.4% 10 years 7.7% Portfolio is fairly simple consisting of: VBILX - Inter...
by tomd37
Tue Dec 22, 2015 11:55 am
Forum: Forum Issues and Administration
Topic: Slow Bogleheads
Replies: 27
Views: 2667

Re: Slow Bogleheads

Seems to have picked up considerably for me in the past couple of minutes. :thumbsup
by tomd37
Mon Dec 21, 2015 7:10 pm
Forum: Forum Issues and Administration
Topic: Slow Bogleheads
Replies: 27
Views: 2667

Re: Slow Bogleheads

Still very slow at 6:10pm CST
by tomd37
Mon Dec 21, 2015 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 Tax Prelim Planning: Comments??
Replies: 18
Views: 1381

Re: 2015 TAX PRELIM PLANNING: Comments??

Toomuch, Don't forget there are some items not normally included in your AGI but are included when calculating the taxation of SS benefits. There is a social security worksheet available online to assist in the calculations. You are already above $44K but others may benefit if they have more knowled...
by tomd37
Sat Dec 19, 2015 8:31 pm
Forum: Personal Consumer Issues
Topic: Should I just give my wife (folded) money?
Replies: 76
Views: 8889

Re: Should I just give my wife (folded) money?

Just shy of 50 years of marriage, in our early 80s, and definitely not wanting new gifts we probably will not get much use out of, I was looking for a "different" gift for my wife that I know she would really enjoy. :idea: We recently completed our first visit to Savannah, GA and for five ...
by tomd37
Wed Dec 16, 2015 8:15 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6416

Re: Navy Federal CU Special Certificate Offering

The following is a written reply to a written inquiry I made as to the expiration date of the current NFCU 30-month, 2.50% APY certificate offer. Clear as mud, but as stated on their site they can end or modify the offer at any time. "Thank you for your inquiry, (my name). In the past, special ...
by tomd37
Wed Dec 16, 2015 4:03 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6416

Re: Navy Federal CU Special Certificate Offering

theduke, Thanks. I came to the same general conclusion, but did not have a copy of my certificates listing going back that far as I update it periodically and destroy the old copies. I usually try to watch for these special offerings but sometimes I miss them. Guess that happens sometimes later in l...
by tomd37
Sun Dec 13, 2015 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Age 75, change fund ownership from individual to joint?
Replies: 19
Views: 1483

Re: Age 75, change fund ownership from individual to joint?

Alan, Am I correct is assuming there is no beneficiary designation for a joint taxable account held by husband and wife? I looked at the Vanguard site and did not see any way to do so. We are okay until one of us passes, but what happens when only one remains and also what happens if we pass at or v...
by tomd37
Sun Dec 13, 2015 2:55 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6416

Re: Navy Federal CU Special Certificate Offering

Mickeyd, Can you determine what month last they offered that 5% certificate. I keep a log of my certificates but cannot find one listed. Maybe it was early in the year and it has already dropped off my list. Hate to think I missed a 5%'er but tend to think I took it and now it's off the list. I only...
by tomd37
Fri Dec 11, 2015 7:31 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6416

Re: Navy Federal CU Special Certificate Offering

NFCU was very helpful today in closing out existing lower interest and shorter period certificates and reinvesting in their 30-month 2.5% certificate and even waived many of the early withdrawal penalties (ewp) that would normally be imposed. Ended up with only $32 ewp on nine certificates when esta...
by tomd37
Fri Dec 11, 2015 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Age 75, change fund ownership from individual to joint?
Replies: 19
Views: 1483

Re: Age 75, change fund ownership from individual to joint?

Finn, I have to assume you are not referring to any accounts, such as IRAs, that cannot have joint ownership. Possibly you could clarify your initial post. I assume you are talking about investment accounts that are eligible for joint ownership. Responders have already mentioned that sometimes it is...
by tomd37
Thu Dec 10, 2015 12:42 pm
Forum: Personal Consumer Issues
Topic: Air duct cleaning estimate - too high?
Replies: 19
Views: 1418

Re: Air duct cleaning estimate - too high?

Matonplayer, The cleaning of the evaporator coil is part of my annual servicing of my two a/c units in spring; one in the attic serving the second floor and the other outside servicing the first floor. The same applies to the blower motor assembly in each unit. I have been present when the work is d...
by tomd37
Thu Dec 10, 2015 10:33 am
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6416

Re: Navy Federal CU Special Certificate Offering

Yes, NFCU has always served the military and DOD members. Started with Navy only and has branched out to all services and now is the largest credit union in the world with over 6 million members. Offering is for members only and those who can qualify to join.
by tomd37
Thu Dec 10, 2015 10:21 am
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6416

Navy Federal CU Special Certificate Offering

I have not seen any mention of NFCU's special certificate offering here yet so I will mention it. It is a special 30-month certificate with a 2.5% APY. Requires a $5,000 minimum deposit with no maximum balance. No indication on their website as to how long the offer will last.
by tomd37
Wed Dec 09, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Audit Trigger for charitable deductions?
Replies: 7
Views: 836

Re: Audit Trigger for charitable deductions?

Don't know what dollar amount might set some flag off with the IRS, but non-cash contributions in excess of $500 will require additional documentation in the form of IRS Form 8283. From there it steps up to $5,000. From there you probably will require written appraisals for certain items. Check out ...
by tomd37
Sun Dec 06, 2015 7:31 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 179
Views: 10884

Re: Flaunt Your High-Mileage Car

poker27,
Am very close to you with my wife's 2001 Lexus ES300 purchased in February 2001. Just last week the odometer rolled over to 70,000 miles and there is no way she is going to part with it.
by tomd37
Sat Dec 05, 2015 5:27 pm
Forum: Personal Consumer Issues
Topic: Car for new teen driver?
Replies: 38
Views: 1540

Re: Car for new teen driver?

Ron - You ended up with the better end of the deal 46 years later. Congrats!

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