Search found 448 matches

by Mlm
Mon May 18, 2020 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Issue
Replies: 13
Views: 1101

Re: Social Security Issue

A Social Security Representative Payee can not be held responsible for the overpayment if they were not the representative at the time of the overpayment. If this is the case reply to SS that they were not the Rep at that time and enclose a copy of the Representative Payee approval letter. Which re...
by Mlm
Mon May 18, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Issue
Replies: 13
Views: 1101

Re: Social Security Issue

A Social Security Representative Payee can not be held responsible for the overpayment if they were not the representative at the time of the overpayment. If this is the case reply to SS that they were not the Rep at that time and enclose a copy of the Representative Payee approval letter.
by Mlm
Wed May 13, 2020 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mystery bill from dentist
Replies: 47
Views: 3173

Re: Mystery bill from dentist

What does your insurance EOB say?
by Mlm
Tue May 12, 2020 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Broke mother-in-law retiring due to COVID-19
Replies: 54
Views: 6487

Re: Broke mother-in-law retiring due to COVID-19

Social Security (hers) - $1,550/mo at 66 yrs 2 mos, or $2,250/mo at 70 yrs Social Security (ex. spouse) - pays b/w 66 yrs to 70 yrs - $1,150/mo net If her Full Retirement Age is 66.2 years that means she was born in 1955. She would not qualify to file for a restricted application unless she was bor...
by Mlm
Tue May 05, 2020 9:49 pm
Forum: Personal Consumer Issues
Topic: can't log on [to Vanguard website]
Replies: 55
Views: 1882

Re: can't log on

I couldn't log in either - page not found. Cleared Chrome cookies and cache-still no luck. Used HELP to get a verification code and was able to sign in. Then I used a new bookmark. That worked for now.
by Mlm
Sat May 02, 2020 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me unravel my parents mess
Replies: 55
Views: 6607

Re: Please help me unravel my parents mess

Can you post the details of their annuity? Others here may be able to help them with that.
by Mlm
Sat Apr 25, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: [how to help ill father-in-law who lives 1000 miles away]
Replies: 18
Views: 2103

Re: [how to help ill father-in-law who lives 1000 miles away]

OP, I'm sorry for your FIL diagnosis. As someone who is retired and lives alone, I have recently had two surgeries and am currently undergoing treatment. Slow down and take a deep breath because things are not going to move at lightning speed. 1. How old are your FIL and MIL? Are they able to unders...
by Mlm
Sat Apr 25, 2020 8:11 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24310

Re: IRS Get My Payment up and running

2beachcombers wrote:
Sat Apr 25, 2020 6:53 am
Jas wrote:
Sat Apr 25, 2020 6:21 am
Finally was able to enter bank account information using 0 for tax refund. Apparently, bug was fixed overnight.
0 worked for me too------------------finally :dollar
Me too :D
by Mlm
Fri Apr 24, 2020 10:34 pm
Forum: Personal Consumer Issues
Topic: [recommend a basic] refrigerator
Replies: 22
Views: 1715

Re: refrigerator

When I had to replace the refrigerator in my old house it was a real hassle it could only be so wide and so tall because I had to fit into the corner of an old kitchen I finally found what I was looking for on the Internet and then I called a large local appliance repair company and ask them what we...
by Mlm
Wed Apr 15, 2020 10:43 pm
Forum: Investing - Theory, News & General
Topic: Do most Bogleheads TLH?
Replies: 55
Views: 3262

Re: Do most Bogleheads TLH?

I did a TLH for the first time this year. I had a small mutual fund investment from back in 2013 that I have been wanting to get rid of. ACA income restrictions had previously prevented me from selling but this year when there was a big drop and I was on Medicare I was actually able to get out of it...
by Mlm
Wed Apr 15, 2020 10:04 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24310

Re: IRS Get My Payment up and running

montanagirl wrote:
Wed Apr 15, 2020 8:37 am
I couldn't get it to work. I planned everything so we neither owed nor got a refund for 2019 and the page errs out. Will not allow neither refund nor balance due!

The same happened to me. No refund/No payment due. Errs out
by Mlm
Mon Mar 30, 2020 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: underpayment of tax penalty waiver for 2020?
Replies: 8
Views: 540

Re: underpayment of tax penalty waiver for 2020?

According to Turbo Tax: Payment timeline The IRS has established four due dates for paying estimated taxes throughout the year. Typically, the due date is the 15th for each of the months in which payments must be made. If the 15th falls on a weekend or a federal holiday, however, the due date is mov...
by Mlm
Fri Mar 27, 2020 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 12676

Re: How are you going to use your stimulus money?

Medical bills. It's been a rough year so far.
by Mlm
Fri Mar 27, 2020 1:43 pm
Forum: Investing - Theory, News & General
Topic: Tax Efficiency of Wellesley (VWINX) distributions
Replies: 15
Views: 1281

Re: Tax Efficiency of Wellesley (VWINX) distributions

You can find this in Vanguards Tax Center. It looks like about 35% of dividends are qualified

https://investor.vanguard.com/taxes/qdi ... ncome-2019
by Mlm
Fri Mar 06, 2020 2:00 pm
Forum: Personal Investments
Topic: Parents retiring with $500k saved - Things look OK?
Replies: 83
Views: 9910

Re: Parents retiring with $500k saved - Things look OK?

geerhardusvos wrote:
Fri Mar 06, 2020 11:42 am
The most frustrating part is that they don't seem willing to get educated on how things work, but they don't want help...
Considering this I don't see how either you or a financial advisor can help. Maybe just encourage them to understand their current expenses.
by Mlm
Wed Mar 04, 2020 9:22 pm
Forum: Personal Investments
Topic: Partial Roth conversion
Replies: 11
Views: 705

Re: Partial Roth conversion

celia wrote:
Wed Mar 04, 2020 5:21 pm

You don’t even have to sell and re-purchase in Roth if you transfer shares in-kind. However, at Vanguard, that can only be done by mailing in a form.
I did Roth conversions last year and again a few days ago online at Vanguard.
by Mlm
Wed Feb 19, 2020 8:54 pm
Forum: Personal Investments
Topic: 60 y/o MIL, $200k in savings
Replies: 10
Views: 2004

Re: 60 y/o MIL, $200k in savings

It's too late to try to make up for the missed savings. What money she has needs to be kept safe while at least keeping up with inflation. If she is asking for your advice you need her full financial picture, especially about the house.
by Mlm
Tue Feb 04, 2020 12:17 pm
Forum: Personal Investments
Topic: FIRED!! [Unexpectedly laid off]
Replies: 59
Views: 12808

Re: FIRED!!

OP, The same thing happened to me on my 27th anniversary with the same company. I was almost 62, single and planned to retire at 65. I was eager to find something else even if it was on a lesser scale. In fact, my first post was about this very thing. My severance pay, six months of unemployment and...
by Mlm
Thu Jan 23, 2020 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: A thumb-rule for buying a house.
Replies: 20
Views: 1914

Re: A thumb-rule for buying a house.

No one knows your expenses and savings goals except you. Try laying out a budget that will get you from here to where you want to be at retirement. Single? Student loans? Car loans? Six kids? Emergency fund? It all matters when developing your own personal budget. Don’t take any short cuts and buy w...
by Mlm
Wed Jan 22, 2020 7:52 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26556

Re: Sad news: LadyGeek's husband has passed

My sincere condolences. You've been through a lot, please take care of yourself now.
by Mlm
Wed Jan 22, 2020 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: House buying decision. To buy or not
Replies: 4
Views: 514

Re: House buying decision. To buy or not

I wouldn't buy unless I was committed to staying in the house for at least 5 years. There a lot of hidden costs in owning and selling a house. I wouldn't have the :dollar sitting in a savings account either.
by Mlm
Tue Jan 21, 2020 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of spending my tax refund
Replies: 74
Views: 5387

Re: Talk me out of spending my tax refund

There should be a penalty for receiving a refund.
by Mlm
Mon Jan 06, 2020 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Adding Mother-in-law to joint account?
Replies: 23
Views: 1889

Re: Adding Mother-in-law to joint account?

I would consult an attorney before considering either of these options. I'm not an attorney but I have these concerns. 1) Send her cash to cover the shortfall. I could do this in the form of a low interest loan. Downside is it would require selling some positions in my taxable investment account and...
by Mlm
Thu Jan 02, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: RMD Table 1...Vanguard Doesn't Match
Replies: 13
Views: 685

Re: RMD Table 1...Vanguard Doesn't Match

Did you have your first inherited RMD last year at 15.5 ? It gets reduced by 1 each year there after.
by Mlm
Sun Dec 22, 2019 5:27 pm
Forum: Investing - Theory, News & General
Topic: Tax Law Changes for 2020
Replies: 355
Views: 27975

Re: Tax Law Changes for 2020

OnTrack wrote:
Sun Dec 22, 2019 5:22 pm
The worst part of this bill is that I will need to update my death book.
Right, just imagine how you would feel if you didn't.
by Mlm
Wed Dec 04, 2019 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: how much to tip the cleaning lady
Replies: 76
Views: 5366

Re: how much to tip the cleaning lady

I like an immaculate house but it never occurred to me to pay for a cleaning lady. What am I missing out on?
by Mlm
Wed Dec 04, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: How much money can retirees really save by moving to a state without income tax?
Replies: 143
Views: 11910

Re: How much money can retirees really save by moving to a state without income tax?

dodecahedron NY has an income tax, but has very generous tax breaks for retirees (especially government retirees) and it also decoupled from TCJA to allow more generous itemized deductions than the feds do. Therefore, depending on the composition of their income and deductions, a MFJ couple can eas...
by Mlm
Tue Dec 03, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: Unauthorized Trade
Replies: 54
Views: 5004

Re: Unauthorized Trade

elainet7 wrote:
Tue Dec 03, 2019 8:56 am

vanguard had no real answer but we changed the password
No real answers? Seriously? Are they opening an investigation?
by Mlm
Wed Nov 27, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody Switching to Medigap G (High Deductible)?
Replies: 15
Views: 1293

Re: Anybody Switching to Medigap G (High Deductible)?

New Yorker here, which means I have the option to switch into G-HD (or any other Medigap plan) whenever I want with no underwriting. Currently on a Medicare Advantage PPO including Part D with zero dollar premiums. Thanks to EPIC coverage I have option to switch into a Medigap/Part D/traditional Me...
by Mlm
Wed Nov 27, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: New Phone Scam - Up A Notch
Replies: 59
Views: 5251

Re: New Phone Scam - Up A Notch

A few months ago I got a spoofed call from my own number. I didn't answer it.
by Mlm
Mon Nov 25, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: We have a prenup, now buying a house.
Replies: 117
Views: 7621

Re: We have a prenup, now buying a house.

You're married now and I think you should be co-owners on any property purchased going forward.
by Mlm
Sun Nov 24, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Mom's Diamond
Replies: 67
Views: 4904

Re: Mom's Diamond

Ask your mother to take the ring off her finger now so that you can get estimates as to what a stranger would pay for it. Do it now so that she has time to update her will. Good luck.
by Mlm
Sun Nov 17, 2019 12:12 pm
Forum: Personal Investments
Topic: Obamacare limits investing opportunities?
Replies: 36
Views: 3799

Re: Obamacare limits investing opportunities?

I've been very happy to have options that I previously didn't have. Each person can choose which option is best for them. For me it is ACA before 65 and then Roth conversions after.
by Mlm
Mon Oct 28, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tapping Retirement Savings to Purchase a House
Replies: 23
Views: 1946

Re: Tapping Retirement Savings to Purchase a House

Sorry but this doesn't sound at all reasonable to me. 600K mortgage on a 150K salary? I'm not even sure that a bank would approve that.
by Mlm
Tue Oct 15, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Inappropriate touching in a workplace- What is the best act?
Replies: 28
Views: 2477

Re: Inappropriate touching in a workplace- What is the best act?

I would wait for HR's response to the complaint. This happened to a co-worker with a Sr. VP of my company. It was a lawsuit waiting to happen so they fired the VP. Afterwards many other women came forward and said the he had also been inappropriate with them too.
by Mlm
Sun Oct 06, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 6333

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

I'll be needing Medicare soon so I just checked the "Annual Notice of Changes for 2020" for the Medicare Advantage plan I am leaning towards. Yup, right there under changes for 2020 it says under Part D prescription drugs that there are now "preferred cost sharing" and "standard cost sharing" Provid...
by Mlm
Thu Oct 03, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: SS Question -- Timing of PIA Calculation
Replies: 19
Views: 1188

Re: SS Question -- Timing of PIA Calculation

My 2017 earnings were updated in 01/19
by Mlm
Tue Sep 17, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 57933

Re: Selling home- Demanding Buyer (Repairs)

Good grief ! Your realtor should be able to answer all of your questions. What did he/she say? Do you use a RE Attorney in your state? I would want to see what the deed says about any shared property.
by Mlm
Fri Sep 13, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 6813

Re: Whistleblowing / Going Rogue at Work

KlangFool wrote:
Fri Sep 13, 2019 10:56 am
OP,

If I am the president, I would fire you immediately. I cannot trust you not to stab me in my back in the future.

KlangFool
+++++a million times
by Mlm
Thu Sep 12, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: What's in a name?
Replies: 8
Views: 902

Re: What's in a name?

Carnac (the magnificent)
by Mlm
Thu Sep 12, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: About to close on home and discovered Lien on home??
Replies: 25
Views: 3623

Re: About to close on home and discovered Lien on home??

These things can happen. The sellers must also be very upset with the bank. I had a closing delayed by 4 weeks due to a problem the builder had. I ended up having to get a temp. rental for a month and pay movers twice. The sellers are not going to let your move belongings into their garage before cl...
by Mlm
Wed Sep 11, 2019 8:16 pm
Forum: Personal Investments
Topic: Get Rid of FA. Create Single Fund Retirement Portfolio
Replies: 11
Views: 1746

Re: Get Rid of FA. Create Single Fund Retirement Portfolio

Is there a reason to take SS @ 62.5? That doesn't seem optimal considering your investments.
by Mlm
Wed Sep 11, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 10730

Re: How old is your cellphone?

I have an iphone 6 and my battery is still at 91%. I plan to keep it for at least another year, maybe longer
by Mlm
Sat Aug 31, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 97
Views: 6472

Re: Does anyone have a dishwasher they recommend?

I'm very happy with my no bells and whistles Whirlpool. I especially like the basket on the door. No break down or repairs in 16 years.
by Mlm
Thu Aug 29, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Florida Home Insurance Offsets Tax Advantage?
Replies: 28
Views: 2351

Re: Florida Home Insurance Offsets Tax Advantage?

I have a few friends that have moved from Upstate NY to Florida and purchased similarly priced homes. They all say that although they save around 50% on property taxes they make up for it on home owners/flood insurance, car insurance, water bills and pest control.
by Mlm
Wed Aug 28, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Friend has cancer. What should be the next steps?
Replies: 65
Views: 5384

Re: Friend has cancer. What should be the next steps?

I''m sorry to hear about your friends diagnosis. My sister went through this many years ago. When she was no longer able to work she applied for Social Security disability. With a terminal diagnosis she was approved very, very quickly. She also ticked things off her bucket list while she was still a...
by Mlm
Mon Aug 19, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Discover cash back Credit Card - Interest charges
Replies: 36
Views: 1950

Re: Discover cash back Credit Card - Interest charges

Were any of your charges actually a "cash advance"? Interest on cash advances usually accrue from the day of the advance to the day of the payment.