Search found 239 matches

by changingtimes
Tue Mar 03, 2020 2:00 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296766

Re: Coronavirus and the market

columbia wrote:
Tue Mar 03, 2020 1:13 pm
I’m willing to take the concerns of the WHO, CDC and NIH over....random strangers on the Internet.

Also: wash your hands and think about the possibility of not leaving your house for a few weeks. Are you prepared for that?
I dream of the excuse to not leave my house for a few weeks.
by changingtimes
Mon Jan 13, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do brokerages and credit unions put out tax info. before Jan. 31
Replies: 14
Views: 993

Re: Do brokerages and credit unions put out tax info. before Jan. 31

I got my 1099-rs from Vanguard today.

(The electronic versions)
by changingtimes
Tue Jan 07, 2020 4:56 pm
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 108
Views: 10354

Re: Urge Vanguard to support better two-factor authentication

I posted this in another thread, but this had been a good discussion so will add it here: Looks like there might be some changes coming to their security setup. An e-mail I just received: Reenroll your security key by January 31 We're upgrading our security system to align with the latest cloud logo...
by changingtimes
Tue Jan 07, 2020 2:06 pm
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 5404

Re: My Wishlist for Vanguard

Looks like there might be some changes coming to their security setup. An e-mail I just received: Reenroll your security key by January 31 We're upgrading our security system to align with the latest cloud logon capabilities. To be compatible with the upgrade, all security keys must be reenrolled by...
by changingtimes
Sat Jan 04, 2020 11:11 am
Forum: Investing - Theory, News & General
Topic: Why all the angst about RMDs and taxes?
Replies: 177
Views: 13005

Re: Why all the angst about RMDs and taxes?

Speaking as one of those widows everyone was mentioning up-thread.... I'm 53 now, still working, along with a small pension from DH. I will have survivor SS at 60 (if I'm not working), my own pension at 65, and my own SS at 70, and a nest egg that was big enough for both of us to retire/cut back ear...
by changingtimes
Fri Jan 03, 2020 2:47 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 271
Views: 9518

Re: Vanguard phasing out regular mutual fund shares?

What you can't do is buy fractional shares of ETFs with new money. If I could (hopefully possible some time in the near future), I would convert all my mutual funds to ETFs. This is why I have been slowly driven insane over the past year thanks to a $0.03 balance in the settlement fund of my Roth. ...
by changingtimes
Thu Jan 02, 2020 2:26 pm
Forum: Personal Investments
Topic: Social Security Spouse Death Benefits Decision
Replies: 20
Views: 1636

Re: Social Security Spouse Death Benefits Decision

First of all, my condolences. I am so sorry for your loss. I empathize with all you are going through as I unexpectedly lost my spouse when I was your current age. My condolences and empathy as well, having lost my spouse when he was 55 and I was 50 to a very rare and aggressive cancer. I figured I...
by changingtimes
Thu Jan 02, 2020 10:38 am
Forum: Personal Investments
Topic: Roth IRA - so who hit 'enter' at 12:01AM this morning?
Replies: 113
Views: 10849

Re: Roth IRA - so who hit 'enter' at 12:01AM this morning?

I didn't do it at 12:01, but I did begin the process for my $7000 Roth contribution (needed to sell some bonds in taxable first), and also did a small Roth conversion. This is my first year having an HSA, and it comes out of my paycheck pre-tax monthly (along with Megacorp's contribution), but I mad...
by changingtimes
Mon Dec 30, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: Enough is Enough!
Replies: 289
Views: 31279

Re: White Coat Investor: Enough is Enough!

Definitely believe that perceived value is the key component to feeling comfortable with a purchase. This perception has shifted over time as I've become more FI. For instance, I used to buy the least expensive tickets to sporting events figuring my upper deck seats were good enough. Now, I don't t...
by changingtimes
Sun Dec 29, 2019 12:41 pm
Forum: Personal Investments
Topic: Fidelity Spousal Beneficiary IRA Admin?
Replies: 4
Views: 232

Re: Fidelity Spousal Beneficiary IRA Admin?

I believe Inherited IRAs do have RMDs due based on the life expectancy of the beneficiary, starting with the year of inheritance. A spouse can elect to treat the inherited IRA as her own IRA, but I believe some paperwork must be filed for this election. So I doubt moving the IRA to Fidelity would b...
by changingtimes
Sun Dec 29, 2019 12:33 pm
Forum: Investing - Theory, News & General
Topic: Barron's Cover article--Vanguard Led the Way for Decades. Now It’s Playing Catch-Up.
Replies: 141
Views: 13275

Re: Barron's Cover article--Vanguard Led the Way for Decades. Now It’s Playing Catch-Up.

I just wish that Vanguard would update their web site to something that feels like it was built after 2008. I actually like the current interface, it works and I know how to do everything. I don't need it to look like facebook. It's not really the look-and-feel that I was referencing. More like: I ...
by changingtimes
Sun Dec 29, 2019 11:46 am
Forum: Investing - Theory, News & General
Topic: Barron's Cover article--Vanguard Led the Way for Decades. Now It’s Playing Catch-Up.
Replies: 141
Views: 13275

Re: Barron's Cover article--Vanguard Led the Way for Decades. Now It’s Playing Catch-Up.

I just wish that Vanguard would update their web site to something that feels like it was built after 2008.
by changingtimes
Sun Dec 29, 2019 11:16 am
Forum: Personal Investments
Topic: Fidelity Spousal Beneficiary IRA Admin?
Replies: 4
Views: 232

Fidelity Spousal Beneficiary IRA Admin?

Is there anyone out there who has a spousal beneficiary IRA at Fidelity? I'm just wondering if Fido does anything on their web site to differentiate a spousal bene/inherited IRA from how regular inherited IRAs work. At Vanguard, the site continues to harp at me that I need to take an RMD (which I do...
by changingtimes
Fri Dec 27, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: IRA to ROTH: Going from 12% to 24% tax bracket
Replies: 44
Views: 3443

Re: IRA to ROTH: Going from 12% to 24% tax bracket

Dottie57 wrote:
Fri Dec 27, 2019 12:57 pm
I think it would be very kind of you to do conversions. I would fill up to top of 22% tax rate with conversions.

Just a kindly reminder to have a will and/or beneficiaries for all assets.
Ditto on this.
by changingtimes
Thu Dec 26, 2019 8:50 am
Forum: Investing - Theory, News & General
Topic: My Christmas Gift to You Seventy-Five Years Ago
Replies: 74
Views: 7012

Re: My Christmas Gift to You Seventy-Five Years Ago

Thank you, Taylor, and thank you to all who have fought--in whatever way--to keep this country safe. My great uncle was in the 101st, parachuting into France on D-Day, making it through the Battle of the Bulge, and onto Buchenwald. He pretty much never talked about it, but when he first came home fr...
by changingtimes
Wed Dec 25, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: White Coat Investor: Enough is Enough!
Replies: 289
Views: 31279

Re: White Coat Investor: Enough is Enough!

Also, something may happen to you or your spouse a lot earlier than your plans assume. Would you be happier looking back knowing what a good saver you were, or that you and your spouse took that dream trip to Paris that you had both enjoyed so much? Don't spend like there's no tomorrow, but don't sa...
by changingtimes
Mon Dec 23, 2019 10:28 pm
Forum: Personal Investments
Topic: Aftertax 401(k) - Do you have it? If so, do you do it?
Replies: 27
Views: 1981

Re: Aftertax 401(k) - Do you have it? If so, do you do it?

My 401k had both the pre tax and Roth contributions available. However contributions were limited to the pre-tax amount and enforced by payroll program. Also no in service distribution until age 59.5. Therefore no mega-backdoor Roth for me. Post-tax designated Roth deferrals are not employee after-...
by changingtimes
Sat Dec 21, 2019 9:27 am
Forum: Investing - Theory, News & General
Topic: Tax Law Changes for 2020
Replies: 355
Views: 27975

Re: Tax Law Changes for 2020

Yay, they cut the medical deduction mark back down to 7.5%! I wasn't going to hit 10%, but I did hit 7.5%. That'll show Uncle Sam! 😁
by changingtimes
Thu Dec 19, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37439

Re: Turbotax 2019 on Amazon

Even if a state is available in December, it is highly likely that there are other forms missing / not yet correct. Anyone using any of these tax packages prior to mid to late January is asking for issues. I would imagine a lot of people here can't do taxes that early anyway, thanks to when brokera...
by changingtimes
Thu Dec 19, 2019 8:24 am
Forum: Investing - Theory, News & General
Topic: Indexing beats Wellington and Wellesley right?
Replies: 205
Views: 40178

Re: Indexing beats Wellington and Wellesley right?

I use them because, particularly when it comes to bonds, and particularly particularly international bonds, I don't mind the notion of managers who might have a more detailed knowledge of markets doing the choosing, rather than my just owning total bond/total international bond. I also want a lower ...
by changingtimes
Wed Dec 18, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37439

Re: Turbotax 2019 on Amazon

BTW, I got a Turbo Tax update on Monday that has the state files available for download, if anyone was waiting on that.
by changingtimes
Tue Dec 17, 2019 10:02 am
Forum: Personal Investments
Topic: Sad Anniversary - Seeking Advice
Replies: 24
Views: 5317

Re: Sad Anniversary - Seeking Advice

All - it’s been about 12 months now since my DW passed away and I wanted to provide an update on my personal situation and to look for guidance from others who’ve experienced similar loss or know those who have. My life is so different now that it seems like a lifetime ago that I was happily marrie...
by changingtimes
Wed Dec 11, 2019 9:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year-End Distributions
Replies: 71
Views: 8563

Re: VGD Estimates for Year End Distributions

[Merged into ongoing discussion -- mod oldcomputerguy] The following link from Vanguard says Estimates for fourth (4th) Quarter 2019 Distributions would be available as of December 10, 2019: https://investornews.vanguard/mark-your-calendar-for-year-end-fund-distributions-3/ I was not able to find v...
by changingtimes
Sat Dec 07, 2019 8:25 am
Forum: Personal Investments
Topic: Moving Vanguard Mutual Funds to Fidelity Donor Advised Fund
Replies: 19
Views: 1403

Re: Moving Vanguard Mutual Funds to Fidelity Donor Advised Fund

I did not get so far as to run into the same problem as OP, but ended up opening accounts at both, contributing $25k to Vanguard, then "granting" $5k of that to Fidelity, with the name of my giving fund and the account number. There's some specifics I don't remember right now, but maybe they are in ...
by changingtimes
Fri Dec 06, 2019 1:14 pm
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 108
Views: 10354

Re: Urge Vanguard to support better two-factor authentication

And if you have a Pixel phone, it can actually be set to be one of your Google security keys. I have at least four different backup methods with Google, none of which are SMS. (two Yubikeys, Pixel, backup codes) (UPDATE: Actually, five. Google Authenticator, of course) Also, the fingerprint reader ...
by changingtimes
Fri Dec 06, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Managing money near death of a spouse
Replies: 60
Views: 3918

Re: Managing money near death of a spouse

I was not 82 when my late husband died unexpectedly. Still (barely) in my 50s and in good health (though the gut punch of a completely unexpected death made me feel suddenly 90 years old.) Solidarity for 50-year-old widows. :wink: This is making me lean in the direction of a revocable trust so that...
by changingtimes
Fri Dec 06, 2019 8:42 am
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 108
Views: 10354

Re: Urge Vanguard to support better two-factor authentication

And if you have a Pixel phone, it can actually be set to be one of your Google security keys. I have at least four different backup methods with Google, none of which are SMS. (two Yubikeys, Pixel, backup codes) Also, the fingerprint reader on the back of a Pixel phone is The Greatest Thing Ever. Pi...
by changingtimes
Fri Dec 06, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Managing money near death of a spouse
Replies: 60
Views: 3918

Re: Managing money near death of a spouse

You either have no idea what you’re talking about or utterly lack empathy. The paperwork faced by a surviving spouse is at best daunting and people need to know this. An unaided surviving spouse faces a hard road. As an unaided surviving spouse who had little problem working with Vanguard, I might ...
by changingtimes
Thu Dec 05, 2019 9:58 am
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 108
Views: 10354

Re: Urge Vanguard to support better two-factor authentication

I did set up the extra security option for my cell with AT&T through the web site, and it was easy, so I'd definitely suggest that for anyone who remains nervous about this.
by changingtimes
Wed Dec 04, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Managing money near death of a spouse
Replies: 60
Views: 3918

Re: Managing money near death of a spouse

DH and I had done all of our estate planning and consolidated everything at Vanguard the year before he got sick. As survivor, my situation was probably made simpler by our having always taken a "yours, mine, and ours" approach to our finances. We had a joint checking account where the household bil...
by changingtimes
Wed Nov 27, 2019 10:08 pm
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 108
Views: 10354

Re: Urge Vanguard to support better two-factor authentication

Just as a data point, Twitter has just now gotten rid of SMS as a required backup login authentication method.

(For Vanguard I have a Yubikey for desktop access, but the phone app won't use it. I have SMS authentication going to a Google Voice number, at least)
by changingtimes
Thu Nov 21, 2019 10:03 am
Forum: Investing - Theory, News & General
Topic: 401(k) to offer in-plan Roth conversions. Should I?
Replies: 6
Views: 1128

Re: 401(k) to offer in-plan Roth conversions. Should I?

10% of "eligible pay" means the **smaller** of what I make or the 2020 IRS compensation limit of $285k? So e.g. somebody making $60k/year can only contribute $6k after-tax, and even a fat cat making millions can only contribute $28.5k/year or less? I guess that's why the wiki cited lost contributio...
by changingtimes
Wed Nov 13, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37439

Re: Turbotax 2019 on Amazon

Today TurboTax 2019 desktop (at least for mac) has an update available under Check for Updates. It seems to have enabled 1099-R I think. Thanks for the heads up, I just checked my TurboTax 2019 Home & Business, Windows version, there was an update available as well. I did the update and then checke...
by changingtimes
Sun Nov 10, 2019 10:51 pm
Forum: Investing - Theory, News & General
Topic: Tax Deferred : Taxable : Tax Free
Replies: 224
Views: 14110

Re: Tax Deferred : Taxable : Tax Free

53, widowed. Deferred 75% (my 401k and DH's 401k I inherited) Taxable 15% Roth 10% Maxing out the mega backdoor to push up the Roth total, and vacillating hourly on the best way to plan for future taxes. Today's plan is to match my mega backdoor next year with a withdrawal from the inherited IRA, up...
by changingtimes
Sun Nov 10, 2019 8:07 am
Forum: Personal Finance (Not Investing)
Topic: What to put into Revocable Living Trust?
Replies: 8
Views: 1390

Re: What to put into Revocable Living Trust?

It's a different situation than yours, since I am widowed and have no kids, but my estate attorney had me make my trust the owner of both my house and my taxable brokerage account. The reasoning was that if I am declared unable to handle my affairs, my trustee will have immediate access to some mone...
by changingtimes
Fri Nov 08, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37439

Re: Turbotax 2019 on Amazon

It's not as purty as TurboTax, and requires much more data input, but for year-end tax forecasting Glenn Reeves's 1040 Excel spreadsheet is great:

https://sites.google.com/site/excel1040/home/download
by changingtimes
Thu Nov 07, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37439

Re: Turbotax 2019 on Amazon

I'm moving to Turbo Tax this year for the first time after deciding that my tax preparer was getting way too expensive and making too many errors. I did go ahead and get Deluxe 2019 because I wanted to start playing with it, but admit I'm kind of bummed that the retirement stuff isn't in there yet. ...
by changingtimes
Thu Nov 07, 2019 6:56 am
Forum: Personal Investments
Topic: Mega Backdoor - Conflicting Feedback
Replies: 11
Views: 774

Re: Mega Backdoor - Conflicting Feedback

Do you have the option to do in-plan Roth rollovers/conversions? Is it allowed more frequently than rollovers to your personal Roth? Look in your plan documents to see if that's something you can do with every paycheck.

I do that, and then once a year roll that out to my personal Roth.
by changingtimes
Fri Oct 25, 2019 2:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 54
Views: 11194

Re: Vanguard now supports Yubikey 5 and 5C

Vulcan wrote:
Thu Oct 24, 2019 11:13 am
acegolfer wrote:
Thu Oct 24, 2019 7:44 am
Vulcan wrote:
Fri Jun 21, 2019 11:44 pm
Get Google voice number
What's your opinion on using GV number as 2FA SMS?
That is what I do, and what I meant by the above suggestion.
I started doing it a few months ago, and it works fine. Other than I wish that it weren't an option. :)
by changingtimes
Mon Oct 21, 2019 2:49 pm
Forum: Personal Investments
Topic: Retiring and Getting Over The Fear of Quitting?
Replies: 84
Views: 10364

Re: Retiring and Getting Over The Fear of Quitting?

For Mark Hurd and Alex Trebek and others in their strata, it's not like they are chained to a desk 9-5 with only two weeks' vacation. They both have more money than I'm sure they ever imagined, have incredible amounts of flexibility in their work, and live in the world of huge houses, staffs, privat...
by changingtimes
Fri Oct 18, 2019 4:51 pm
Forum: Personal Investments
Topic: Retiring and Getting Over The Fear of Quitting?
Replies: 84
Views: 10364

Re: Retiring and Getting Over The Fear of Quitting?

Lalamimi wrote:
Fri Oct 18, 2019 4:41 pm
Solved for me. I was laid off 2 months after turning 64 (and buying a new home) in March 2018. Took me about 6 months to realize, "Hey, I am DONE".
Keep in contact with work/industry associates, go to some luncheons, and find new hobbies.
I wish they'd lay me off and make the decision for me!
by changingtimes
Sun Oct 13, 2019 2:51 pm
Forum: Personal Investments
Topic: Vanguard Quicken download
Replies: 2
Views: 354

Re: Vanguard Quicken download

Yup, me too.
by changingtimes
Sun Oct 06, 2019 2:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Advertising Mutual Fund to ETF Conversion
Replies: 141
Views: 14304

Re: Vanguard Advertising Mutual Fund to ETF Conversion

Cheez-It Guy wrote:
Sun Oct 06, 2019 1:08 pm
changingtimes wrote:
Sun Oct 06, 2019 12:57 pm
My guess is that it was a limited test run, to see how it went.
Did your attempted conversion ever stick?
Yup, it just took an extra day.
by changingtimes
Sun Oct 06, 2019 12:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Advertising Mutual Fund to ETF Conversion
Replies: 141
Views: 14304

Re: Vanguard Advertising Mutual Fund to ETF Conversion

My guess is that it was a limited test run, to see how it went.
by changingtimes
Fri Sep 27, 2019 11:44 am
Forum: Personal Investments
Topic: Roth IRA Conversion
Replies: 29
Views: 2275

Re: Roth IRA Conversion

Wiggums wrote:
Fri Sep 27, 2019 10:02 am
Stinky wrote:
Fri Sep 27, 2019 9:46 am

I’d definitely start the clock running now.

And convert to the top of the 22% or 24% bracket. You’ll be glad that you did.
+1
And if one of you alas outlives the other by a considerable amount, the widow(er) will also be very glad at tax time that you did this.
by changingtimes
Tue Sep 17, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 77
Views: 6975

Re: Spreadsheets

Hello, my name is ChangingTimes, and I have a spreadsheet problem. Investments, balance tracking, forecasting, cost basis, stock sales, dividends, charitable donations, 529 donations, pension estimation, ss estimation, paycheck tracking, yearly income tax estimation, credit card lineup (to strategiz...
by changingtimes
Tue Sep 17, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: "End of Life" Issues
Replies: 30
Views: 3447

Re: "End of Life" Issues

And it's so hard when it's the spouse having to make a decision that is in effect not fighting for their partner to make it. My mother had both dementia (FTD) and ALS, but physically was as strong as a horse. She started having trouble swallowing pretty quickly, and I knew without hesitation that sh...
by changingtimes
Wed Sep 11, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: [Frustrated with Vanguard advisory service] Procedures on Death of a Spouse
Replies: 47
Views: 5060

Re: Vanguard Insane (?) Procedures on Death of a Spouse

I went through this two years ago when DH died (I was 50 at the time). He had a personal IRA (he was 55), his 401k was at Vanguard, and we had three brokerage accounts where we were joint owners (technically one was his, one was mine, and one was ours, but we put each other on all). I don't remember...
by changingtimes
Tue Sep 10, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897202

Re: What's Your Credit Card Rewards Strategy?

After a big spurt of getting new cards at the end of July, I've settled on this: AmEx Blue Preferred for 6% cash back on groceries and streaming Chase Freedom for 5% cash back/Unlimited Rewards pts in revolving categories (gas right now) -- already got the 15,000-pt bonus Amazon Prime for 5% Amazon/...
by changingtimes
Wed Aug 14, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 19460

Re: Are you a "solo ager?"

ychuck46 wrote:
Wed Aug 14, 2019 11:13 am
tooluser wrote:
Sat Aug 10, 2019 12:47 am
Robots will likely be able to deliver a better simulation of care than humans. Looking forward to them.
They also won't steal everything you have when family members aren't around, or sit there laughing when you need help getting out of bed.
But will they be WALL-E or the T-2000?