Search found 2266 matches

by tomd37
Mon May 02, 2016 4:10 pm
Forum: Investing - Theory, News & General
Topic: NFCU Military Appreciation Month
Replies: 1
Views: 33

NFCU Military Appreciation Month

Navy Federal Credit Union is sponsoring its annual military appreciation month (May 2016) with a 15-month, 3% APY certificate offering for its members. There is a $10K limit per member. :moneybag
by tomd37
Mon May 02, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: File an amended tax return, or just wait?
Replies: 5
Views: 297

Re: File an amended tax return, or just wait?

With a "G" in box 7, even if you did report it that amount is non-taxable. I doubt you will hear from the IRS as they know it is non-taxable.
by tomd37
Mon May 02, 2016 10:07 am
Forum: Personal Finance (Not Investing)
Topic: File an amended tax return, or just wait?
Replies: 5
Views: 297

Re: File an amended tax return, or just wait?

What is the code in box 7 of the 1099-R?
by tomd37
Fri Apr 29, 2016 7:16 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 87
Views: 3802

Re: So,are Bogleheads Bourbon or Scotch drinkers?

Definitely a scotch whisky drinker here; primarily blended for everyday use (1.75L Chivas Regal 18yr @$90) and single-malt for special situations (.750L Glenmorangie Qunita Ruban Port Cask Finish @$50) and both on the rocks. Wife likes Grey Goose vodka for her gimlet or dirty martini.
:sharebeer
by tomd37
Thu Apr 28, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Young Male Living with Parents
Replies: 83
Views: 4053

Re: Young Male Living with Parents

TheBestorNothing, Keep your radio tuned to WGAS (Who gives a s---). You are doing fine and don't worry what others think. Many of the readers and posters here are probably very envious of you and your position right now. Things probably will change and you are well ahead of many others. Congratulati...
by tomd37
Thu Apr 28, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 97
Views: 4644

Re: What's become of Consumer Reports?

I have had a continuous subscription to CR since January 1965 and I am very disappointed in the recent changes in content and format and probably will not renew my subscription. :annoyed I always subscribed at the five year rate of $99.
by tomd37
Wed Apr 20, 2016 3:18 pm
Forum: Investing - Theory, News & General
Topic: Did Rick Ferri sell his firm?
Replies: 21
Views: 4457

Re: Did Rick Ferri sell his firm?

Nobody at Portfolio Solutions would answer my direct question this afternoon "Is Rick Ferri still associated with Portfolio Solutions?" They just passed me from one person to another (three of them) before I hung up without an answer. :annoyed Maybe Rick will come online here and answer th...
by tomd37
Sat Apr 16, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Refund (Where Did It Go)
Replies: 21
Views: 1248

Re: Tax Refund (Where Did It Go)

My $10 federal tax refund went into our joint account as does any refund. :sharebeer I always try to cut it close and not have much of a refund or owe less than $1,000. :moneybag
by tomd37
Wed Apr 13, 2016 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 6405

Re: Retirees: what's your Withdrawal Rate for this and last year?

Like others on this site, I have to take the RMD required percentage each year and have no choice as to the percentage to be taken. That said, I do have the option of investing any "excess" funds in a taxable account and make any necessary adjustments in my nontaxable account to maintain m...
by tomd37
Wed Apr 06, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: How do you use AmEx reward dollars to pay bill?
Replies: 13
Views: 1050

Re: How do you use AmEx reward dollars to pay bill?

I have the "original" AMEX Blue Cash Card and since 2001 have been going online and claiming my cash rebate and having it posted as a credit to my account. It's usually in the range of six to seven hundred dollars per year for this retiree. :moneybag
by tomd37
Thu Mar 31, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Buying Washer and Dryer - what to look and where to buy
Replies: 21
Views: 1485

Re: Buying Washer and Dryer - what to look and where to buy

Commenting to those who posted about Speed Queen top loaders, my Consumer Reports issue arrived today and I commented to my wife the fact that I have never seen a review of or comments about Speed Queen washers in the 50 years of my CR subscription. She suspects it may be because CR considers Speed ...
by tomd37
Wed Mar 30, 2016 9:05 pm
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 61
Views: 5411

Re: Do you pay for yardwork?

At age 79 (wife is older) I now gladly pay to have my 1/3 acre of grassed area mowed and trimmed weekly for $42 per week. Up until this year I would do the cutting in March and early April and then again October through December and have them do it in the remaining hot months her in middle Tennessee...
by tomd37
Tue Mar 29, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: Installing AC: Rheem vs. Trane (or other) system
Replies: 28
Views: 2201

Re: Installing AC: Rheem vs. Trane (or other) system

According to my long-time HVAC company owner, American Standard and Trane are virtually identical equipment being produced on the same production line and just ending up with a different label. I have used this HVAC company for twenty years and trust him implicitly.
by tomd37
Fri Mar 25, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to file 1095-B on tax return
Replies: 3
Views: 492

Re: How to file 1095-B on tax return

JustCurious, I suspect your tax preparer, as a paid tax preparer, does need a copy of the 1095-B for their files just as copies of other tax documents are needed. But be sure you have a copy of it in your retained files just as you would with any other document supporting your tax return. It is not ...
by tomd37
Wed Mar 23, 2016 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Contributing to Deductible IRA
Replies: 2
Views: 229

Contributing to Deductible IRA

Person age 69 contributed $6,500 to deductible traditional IRA not realizing until getting ready to file federal tax return that her income level will only allow for a $3,310 deduction on Form 1040 with the remainder being a nondeductible contribution on Form 8606. Right now don't know when the cont...
by tomd37
Sun Mar 20, 2016 8:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Knoxville/East TN chapter Established
Replies: 18
Views: 1392

Re: Knoxville/East TN chapter?

Don't worry about the driving to the Nashville chapter, it never formed again despite the queries. :(
by tomd37
Sun Mar 20, 2016 6:12 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads Code (my short version)
Replies: 27
Views: 4839

Re: The Bogleheads Code (my short version)

+1 :thumbsup to Rick's last post
by tomd37
Sun Mar 20, 2016 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Question about filing amended taxes
Replies: 7
Views: 365

Re: Question about filing amended taxes

Duplicate post.
by tomd37
Sun Mar 20, 2016 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Question about filing amended taxes
Replies: 7
Views: 365

Re: Question about filing amended taxes

My recommendation would be not to mail an amended return until you know that your amount due has cleared the IRS system and your bank. Then you can have someone mail an amended return for you including the additional amount due on that amended return. I do a number of amended returns each year for t...
by tomd37
Sat Mar 19, 2016 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my recently widowed mom
Replies: 23
Views: 1664

Re: Help me help my recently widowed mom

Bruce is trying to be helpful to all the other readers of this post to help them better understand situations they may be faced with in the future. He has probably guided many people in the setting up of their trusts and did not intend for his comment to come across in any other way than to be helpf...
by tomd37
Mon Mar 14, 2016 7:21 pm
Forum: Investing - Theory, News & General
Topic: podcast: Bogle on Bloomberg 'Masters in Business'
Replies: 29
Views: 2729

Re: podcast: Bogle on Bloomberg 'Masters in Business'

Duckcalldan,
I listened to the entire interview and I seem to remember Jack mentioning an intermediate-term bond index fund containing about 35% treasury/govt bonds, but I cannot find a VG fund at that level
by tomd37
Sun Mar 13, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Sales Tax Deduction is Miserly -- here's my way
Replies: 12
Views: 1574

Re: Standard Sales Tax Deduction is Miserly -- here's my way

Sounds like dodecahedron is a TCE or VITA volunteer. :thumbsup
by tomd37
Mon Mar 07, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 Federal taxes due and amending return
Replies: 8
Views: 568

Re: 2015 Federal taxes due and amending return

All I will add is that the many of us on this site doing volunteer tax preparation services in VITA and TCE year after year would not recommend submitting a 1040X until the original 1040 is completely reconciled by the IRS.
by tomd37
Mon Mar 07, 2016 10:07 am
Forum: Personal Finance (Not Investing)
Topic: 2015 Federal taxes due and amending return
Replies: 8
Views: 568

Re: 2015 Federal taxes due and amending return

Most definitely do not file an amended return until you have paid the original amount due AND have received proof that the original amount due has been received and processed by the IRS. It will then take about 8 to 12 weeks for the IRS to process the 1040X. The 1040X must be mailed to the IRS.
by tomd37
Sun Mar 06, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Accessing AMEX Credit Card Account
Replies: 6
Views: 494

Re: Accessing AMEX Credit Card Account

Got the problem resolved. Ended up deleting the "favorites" link completely, cleared the cache, restarted the computer and set up a new link, and everything works just fine. Thanks for the help.
by tomd37
Sun Mar 06, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Accessing AMEX Credit Card Account
Replies: 6
Views: 494

Re: Accessing AMEX Credit Card Account

That is exactly what I do and no issues by going to the other two browsers. My question is about why it does not access using IE 11 where the account has been established and book marked for years.

PS: And by the way that icon reminds me of the four months spent in Antarctica in 1964 with USNMCB-6
by tomd37
Sun Mar 06, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Accessing AMEX Credit Card Account
Replies: 6
Views: 494

Accessing AMEX Credit Card Account

As an older person I don't understand why access to my account differs between browsers. Recently I am having trouble accessing my account using the link already established using IE 11, but I can immediately access the account switching to Mozilla Firefox or Google Chrome browsers. Can someone expl...
by tomd37
Sun Feb 28, 2016 10:28 pm
Forum: Personal Consumer Issues
Topic: Dusty House
Replies: 20
Views: 2140

Re: Dusty House

From my HVAC guy! Don't use too high a MERV rated return air filter. It can be too fine and restrict the return air flow to the unit and damage it. We use the second lowest rated 3M Filtrete filter available at Lowes and he said that's about the highest he would recommend unless there are unique hea...
by tomd37
Sun Feb 28, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: Dusty House
Replies: 20
Views: 2140

Re: Dusty House

BV3273 et al, Do you happen to have a whole house humidifier attached to your duct work spraying a fine water mist into the heating ductwork? I have used a system like that for a number of years and then last year we started noticing a very, very fine talcum-like dust throughout the house and even i...
by tomd37
Sat Feb 27, 2016 3:31 pm
Forum: Investing - Theory, News & General
Topic: RMD and Federal income tax
Replies: 14
Views: 1548

Re: RMD and Federal income tax

CWRadio, Since you are withdrawing monthly you should have federal tax withheld monthly. I cannot speak to state tax withholding. I take an annual RMD in November and have the proper federal tax (no state tax in TN) withheld at that time to meet the balance of my federal tax withholding needs for th...
by tomd37
Sat Feb 27, 2016 8:07 am
Forum: Personal Consumer Issues
Topic: [Any risk in] Paying cash for services [when offered a discount]
Replies: 61
Views: 5176

Re: Paying cash for services

If I was in this situation I would pay by check. That way, with the canceled check as a receipt, I could prove the invoice was paid should proof ever be required. Anyone can write or stamp "Paid" or "Paid in Full" on an invoice.
by tomd37
Fri Feb 26, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Mice and termite issues
Replies: 32
Views: 2098

Re: Mice and termite issues

crazyapple, I definitely would not use Terminix. I used them for a whole house treatment drilling into the foundation walls around the perimeter of the home some 20 years ago. Have never had any termites, but the $95 annual fee has increased to $265 annually. My current contract expires next month a...
by tomd37
Fri Feb 26, 2016 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Cash back reward cards. Pay early?
Replies: 10
Views: 1616

Re: Cash back reward cards. Pay early?

lakpr,
Is it now $50 increments instead of the $25 it had been in the past? I only apply once a year. I have the same card.
by tomd37
Mon Feb 22, 2016 10:19 am
Forum: Personal Finance (Not Investing)
Topic: IRS IP PIN Received Today but for Tax Year 2014?
Replies: 36
Views: 3870

Re: IRS IP PIN Received Today but for Tax Year 2014?

Broken Man, Not to sound ignorant, but did you file the 2015 return with the taxpayer's names in the same order as they were filed on the 2014 returns? For example, if husband was listed first on 2014 return was he listed first on 2015 return? Did you include the PIN number on the 2015 return that w...
by tomd37
Fri Feb 19, 2016 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: I've had it with USAA insurance
Replies: 26
Views: 2387

Re: I've had it with USAA insurance

Bear in mind that many insurance companies discount their policies more for the increased number of lines you have insured with them. So you have to be careful to compare apples to apples when doing comparisons.
by tomd37
Fri Feb 19, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: I've had it with USAA insurance
Replies: 26
Views: 2387

Re: I've had it with USAA insurance

I have been with USAA continuously since spring of 1961 starting back then with auto insurance. Over the years I have added other types of insurances through them including personal effects floater, homeowners, life, umbrella, etc. During that time I have had two no-fault claims and in both cases th...
by tomd37
Thu Feb 18, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Blue raised my interest rate to 29.5%?!
Replies: 19
Views: 2472

Re: Amex Blue raised my interest rate to 29.5%?!

jrbdmb, Add drugstores to the 5% cash rebate after reaching the $6,500 tier. I am about to claim another $500 rebate next month. I use the original Blue Cash AMEX card for everything and ended up charging $27K last calendar year. In my particular case I am definitely better off with this old card ra...
by tomd37
Wed Feb 17, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Blue raised my interest rate to 29.5%?!
Replies: 19
Views: 2472

Re: Amex Blue raised my interest rate to 29.5%?!

I have the original AMEX Blue Cash rebate card and my current monthly statement has the following changes: Penalty APR and when it applies: 29.49% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if: 1) you make one or more late payments; or 2) your...
by tomd37
Mon Feb 15, 2016 8:45 pm
Forum: Personal Consumer Issues
Topic: Can you do taxes for more than one person with tax software?
Replies: 13
Views: 1034

Re: Can you do taxes for more than one person with tax software?

Depending on the software program you have, you may be able to do more than one federal return but just not be able to e-file more than one. Paper would do just fine in that case. Also there may be a higher limit for preparation and e-filing depending on the program.
by tomd37
Wed Feb 10, 2016 11:15 am
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 48
Views: 4430

Re: New Washer - Frontload or HE Top Load

Have to agree with tjaden's post above. Only question remaining is whether a HE model with plate in bottom or regular model with taller agitator. Having had experience on a top-loading HE with plate in bottom, I will go with the Speed Queen with agitator and make decision as to whether electronic co...
by tomd37
Tue Feb 09, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: White Kitchen Cabinets?
Replies: 55
Views: 4958

Re: White Kitchen Cabinets?

Beauty (and dirt) is in the eyes of the beholder! :wink:

We did a major renovation throughout our home five years ago that included all new kitchen and bathroom(s) higher end cabinetry. Went for off-white color and absolutely love it. :D
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: 446

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: 45
Views: 10341

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: 4501

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: 1355

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: 21
Views: 957

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: 2952

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: 1025

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: 21
Views: 4089

Re: Amex/Costco Customer Retention Offer

Thanks Chris

Go to advanced search