Search found 146 matches

by M.Lee
Wed Nov 18, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: Medicare Advantage Commercials
Replies: 9
Views: 521

Medicare Advantage Commercials

VENT: I don't know how much longer I can put up with these commercials that are constant on the TV channels I watch. It's horrible.
by M.Lee
Sat Aug 22, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 140
Views: 13548

Re: Is it worth to relocate for retirement?

I'm struggle a lot with making this decision. I am in NJ the most expensive real estate tax state in the country and state taxes are among the highest too. U.S. states with the highest property taxes in 2018 New Jersey: $8,780 Connecticut: $7,222 New York: $6,947 New Hampshire: $6,253 Massachusetts:...
by M.Lee
Fri Aug 21, 2020 6:52 pm
Forum: Investing - Theory, News & General
Topic: AMZN & AAPL - time to bail?
Replies: 167
Views: 14534

Re: AMZN & AAPL - time to bail?

:happy Hold them forever. Or sell them now. Or something else. How will you decide what to do based on responses to your question? I'm very curious what might be going through your mind on this one. :D I suspect OP just wants a general conversation. I'm just about the last person to follow from an i...
by M.Lee
Thu Aug 20, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: MAC computer problem
Replies: 12
Views: 825

Re: MAC computer problem

You can hire someone to come to your abode just like you would hire a plumber, HVAC, or electrician. You can watch them fix your iMac to your satisfaction. You can take your iMac to a shop just like you take your vehicle to a place to get tires replaced or oil changed. You can sit int he waiting ro...
by M.Lee
Thu Aug 20, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: MAC computer problem
Replies: 12
Views: 825

MAC computer problem

I am not technical at all, especially when it comes to computers. I always relied on my partner, who has passed. I have no idea what or how I screwed stuff up on this big Imac I have, but I am in way over my head insofar as fixing it. There is nothing really vital that I could lose, but it would be ...
by M.Lee
Mon Aug 17, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 4912

Re: USPS shipping: Caveat Emptor

I haven't noticed an issue until recently. I have a package stuck since August 10. I guess it could be worse. However, I've already paid for this product and I may never get it. Status Pre-Shipment August 10, 2020 at 3:40 pm Shipping Label Created, USPS Awaiting Item SACRAMENTO, CA 95834 Get Updates
by M.Lee
Sat Aug 08, 2020 7:05 pm
Forum: Investing - Theory, News & General
Topic: AMZN & AAPL - time to bail?
Replies: 167
Views: 14534

Re: AMZN & AAPL - time to bail?

Hold them forever. Or sell them now. Or something else. How will you decide what to do based on responses to your question? I'm very curious what might be going through your mind on this one. :D I suspect OP just wants a general conversation. I'm just about the last person to follow from an investi...
by M.Lee
Fri Aug 07, 2020 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: IRS refund delay
Replies: 65
Views: 4429

Re: IRS refund delay

Lucky you. Filed paper return mid-March and nothing yet. (Tried to e-file in both TurboTax and H&R Block but neither would not accept it, presumably b/c of QBI credit). When you get your refund, post back and let us know if they paid interest from 4/15 as they are supposed to. (I have a substan...
by M.Lee
Fri Aug 07, 2020 9:47 am
Forum: Investing - Theory, News & General
Topic: What happens if you run out of money in retirement?
Replies: 175
Views: 15600

Re: What happens if you run out of money in retirement?

But I'm wondering how one could "run out of money in retirement" without numerous, obvious warning signs well in advance which would give one ample opportunity to course correct. Even if there were a sudden, prolonged plunge in the equity markets, there would still be safety nets like SS,...
by M.Lee
Sat Jul 25, 2020 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: IRS refund delay
Replies: 65
Views: 4429

Re: IRS refund delay

Lucky you. Filed paper return mid-March and nothing yet. (Tried to e-file in both TurboTax and H&R Block but neither would not accept it, presumably b/c of QBI credit). When you get your refund, post back and let us know if they paid interest from 4/15 as they are supposed to . (I have a substa...
by M.Lee
Sat Jul 25, 2020 5:18 am
Forum: Personal Finance (Not Investing)
Topic: IRS refund delay
Replies: 65
Views: 4429

Re: IRS refund delay

Finally.......... Refund Status Results Print your Refund Results for your records. Take the survey. Return ReceivedRefund ApprovedRefund Sent Your return has been processed and refund amount approved.Your return has been processed and refund amount approved. Your tax refund is scheduled to be maile...
by M.Lee
Fri Jul 24, 2020 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Housing strategy in retirement?
Replies: 8
Views: 784

Re: Housing strategy in retirement?

I'm in that situation, but I'm single with no heirs or support system. It's a scary place to be. CCRC's aren't for me even if I could afford one. Of course, that may change if I become unable to care for myself. So much depends on each individual person. Probably 95% or more people would tell us to ...
by M.Lee
Wed Jul 22, 2020 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: IRS refund delay
Replies: 65
Views: 4429

Re: IRS refund delay

M.Lee - Just curious. Was IRS Form 1310 not sufficient for filing for a decedent? I usually end up filing one a year for the people I deal with and have no problems submitting electronically, but your circumstances very well could be different. I did not know of such a form. I filed the 1040 becaus...
by M.Lee
Wed Jul 22, 2020 11:13 am
Forum: Personal Finance (Not Investing)
Topic: IRS refund delay
Replies: 65
Views: 4429

Re: IRS refund delay

I can understand people filing paper returns are concerned about not receiving their refund. But you have to keep in mind that the IRS, like many other companies, was shut down completely due to the pandemic and are just now beginning to open back up and start processing millions upon millions of p...
by M.Lee
Wed Jul 22, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: IRS refund delay
Replies: 65
Views: 4429

Re: IRS refund delay

Well, another month has gone by, and still no refund for me. Has anyone else gotten theirs? To be honest, I'm getting peeved about this.
by M.Lee
Wed Jul 22, 2020 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Financial Crisis: Advice needed
Replies: 90
Views: 8160

Re: Financial Crisis: Advice needed

I love these posts where the OPs leave out one crucial detail, like, oh, I don't know, the $300,000 + income of FIL and MIL and that changes everything. Running taxcaster shows they should have (before medical deductions and state and local of course, and who knows if they're in HCOL, there's obvio...
by M.Lee
Tue Jul 14, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Question
Replies: 14
Views: 1096

Re: Estimated Tax Question

I'm back but with a similar question. Instead of waiting until the end of the year, I just sold the position in question. I'm going to be owing about 13k end of year. I really do not want to prepare all those forms and right now my brain is a bit fried from a host of other important issues. I do not...
by M.Lee
Tue Jul 14, 2020 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: IRS - Getting a live person for questions
Replies: 6
Views: 426

IRS - Getting a live person for questions

Has anyone ever dialed the customer service IRS number and gotten a live person? I just called and after going through many different voice prompts could not find a topic that pertained to my question. There was no option to get a customer service rep. Is this due to Covid or is this the way it's al...
by M.Lee
Mon Jul 13, 2020 11:19 am
Forum: Investing - Theory, News & General
Topic: Options Trading Basic Questions
Replies: 5
Views: 477

Options Trading Basic Questions

I'm not an options trader nor do I plan to be. Therefore, I've not read up on it. Today when I looked at news for AMZN (which I always do since I own a lot of it), there was a twitter post from Greg Harmon. He runs some investment firm. I wonder if anyone can tell me generally what it means. Is he t...
by M.Lee
Mon Jun 29, 2020 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Question
Replies: 14
Views: 1096

Re: Estimated Tax Question

This is how I understand estimated taxes. If you are making income throughout the year, you need to pay throughout the year. So you need to be paying an estimated amount every quarter if you are not withholding taxes from your salary. If you do something that causes a surge of income in a quarter, ...
by M.Lee
Mon Jun 29, 2020 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Question
Replies: 14
Views: 1096

Estimated Tax Question

I always do my own taxes as they generally aren't that complicated. I have one stock in my after-tax account that has done well and I am considering selling it this year as a short-term gain. This is a low bracket year for me, as I delayed my RMD until 2021. I've read a bit on estimated taxes and I ...
by M.Lee
Mon Jun 29, 2020 6:01 am
Forum: Personal Finance (Not Investing)
Topic: IRS refund delay
Replies: 65
Views: 4429

Re: IRS refund delay

I'd be surprised if they have even started processing. They claim they will be processing these in the order received. Inasmuch as a lot of people may be ahead of you, I'd sit back for a few months and check again in the fall. I posted earlier that I filed a paper return in mid FEBRUARY. For severa...
by M.Lee
Sun Jun 21, 2020 4:51 pm
Forum: Personal Investments
Topic: Why Morgan Stanley Says the 60/40 Portfolio Is Doomed
Replies: 107
Views: 11419

Re: 60/40 split at 70 year old?

dbr wrote:For about $210,000 you could probably buy an immediate annuity paying you $1200/mo for life, so you would not have to worry about how long you are going to live and still have a lot of money left over to grow for the future and for contingencies.
Hmmm really? That's 7%.
by M.Lee
Sat Jun 20, 2020 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund is late
Replies: 102
Views: 4209

Re: Federal tax refund is late

I filed two returns, both in February. One return was sent electronically and money was owed and paid. I know that tax return was looked at because I got a small portion of the stimulus payment from that income. The other return was for a deceased person, so a paper returned was sent. A refund is du...
by M.Lee
Thu Jun 18, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: Old Cars & the expenses that go with them
Replies: 69
Views: 5260

Re: Old Cars & the expenses that go with them

With cars, homes, and many other things, market value <> personal utility. If a $2k market value car is my means of transportation, I'd spend $2k to fix it if it was otherwise in decent shape, because I can't buy a decent used car for $2k. That's my line of thinking as well. As the OP, I'll share w...
by M.Lee
Wed Jun 17, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: Old Cars & the expenses that go with them
Replies: 69
Views: 5260

Old Cars & the expenses that go with them

How does one decide whether to keep paying for repairs on old cars/trucks or to bite the bullet and buy new (or used). I'm in that situation now with two vehicles.
by M.Lee
Sat Jun 13, 2020 3:36 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 282
Views: 42825

Re: Why not add a "like" button to Boglehead posts?

gkaplan wrote: Thu Dec 20, 2012 5:13 pm Just use part of the quote and use ellipses for the missing test.
I wish more people would do this. I very much dislike how there are posts with many quotes from different posters in them. It's unnecessary.
by M.Lee
Sun May 31, 2020 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: northern Delaware versus southern NJ for retirement
Replies: 41
Views: 3470

Re: northern Delaware versus southern NJ for retirement

Property taxes are at least deductible on federal taxes up to $10K. HOA fees unfortunately are not. Delaware also looks attractive because of proximity to work opportunities south of Philadelphia or northeast of Baltimore. There is a property tax deduction on the NJ state income tax too. I think it...
by M.Lee
Sun May 31, 2020 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: northern Delaware versus southern NJ for retirement
Replies: 41
Views: 3470

Re: northern Delaware versus southern NJ for retirement

A couple comments. I'm 'sort of' looking to move into Pa. from NJ, but not necessarily due to my high real estate taxes. Has to do with my property upkeep. I was born and grew up in Western Pa. and the first home I bought as a single woman was a new Ryan Home. It was very nice and inexpensive, so OP...
by M.Lee
Thu May 28, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 97
Views: 8048

Re: NJ property taxes too high. What are my alternative states?

There are some what I would call undesirable locations in NJ, and probably everywhere. The conditions poster 'blue' mentions might be found in places like Newark, Trenton, Patterson, etc. (you get the drift). I live on 44 acres in Hunterdon County NJ and is beautiful. https://images.app.goo.gl/WLJT1...
by M.Lee
Mon May 25, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6013
Views: 1402785

Re: What Movie Have You Recently Watched?

Parasite (Xfinity stream). Just looked and several of you here have watched and liked it as did I. One comment in the movie hit home for me. This may not be exact words. When the son asks his father what his plan is, the father responds.... "What kind of plan never fails. No plan". Interes...
by M.Lee
Sun May 24, 2020 6:23 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6013
Views: 1402785

Re: What Movie Have You Recently Watched?

The Good Liar. Watched it on Youtube for $2.99. A con artist who meets a wealthy widow online and tries to swindle her out of her money. I liked it!
by M.Lee
Sat May 23, 2020 8:20 am
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 97
Views: 8048

Re: NJ property taxes too high. What are my alternative states?

I used to live in NJ and moved to coastal NC 4 years ago. Everyday I see more and more NJ/NY license plates and it’s great to see. NJ and NC are overpriced and besides the ability to have a city, offers nothing. Who wants to be charged a ton to live in the cold on unpaved roads? Did you make a typo...
by M.Lee
Fri May 22, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6013
Views: 1402785

Re: What Movie Have You Recently Watched?

Rear Window , on Amazon Prime. This movie stars Jimmy Stewart and Grace Kelly. A man in a wheelchair with his broken leg in a cast watches his neighbors while recouperating. This is a perfect mystery/thriller for people confined to home. :D Us old geezers remember that one. Went to see it as a youn...
by M.Lee
Tue May 19, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3709

Re: Sources for N95 masks

I ordered 3M N-95's (not KN) from Alibaba. They left China on 4/7 but I haven't received them yet. Probably they will be held at customs and I may never get them. I needed a small size, so was willing to pay and wait. I keep hearing about the fit. Can anyone elaborate on the difficulty of this? In t...
by M.Lee
Fri May 08, 2020 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: No tax return after >10 weeks?
Replies: 66
Views: 5209

Re: No tax return after >10 weeks?

I don’t know why people would file via paper. If you are filing as Estate Administrator for a deceased person, you have to file on paper and you have to include the death certificate and documentation stating you are the administrator. I filed in early February. What the 'where's my refund' says ha...
by M.Lee
Thu May 07, 2020 7:56 am
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 116
Views: 7627

Re: Go or no go on Carnival cruise

Chuck107 wrote: Sat Apr 25, 2020 5:44 pm Seriously? I would never go one a cruise before, now? Not if it were free.
:) I wouldn't go if I were paid. Seriously!!!
by M.Lee
Tue May 05, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3225

Re: Moving from High taxed state to no income tax state

Do your homework. My employer wants us to move to a no income tax state, but they do charge tax on dividends, interest. So for someone that would be nearing retirement, with lots of passive income in prep for retirement, not a great benefit unless one plans to move there and leave immediately upon ...
by M.Lee
Thu Apr 30, 2020 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25639

Re: IRS Get My Payment up and running

I'm batting zero. After days of saying my money would be deposited today 4/20, it did not happen. This is what I get now when I go to IRS.gov. Please Try Again Later We are unable to provide you with the status of your payment or perform the action requested because: The tax return information you e...
by M.Lee
Thu Apr 30, 2020 7:07 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25639

Re: IRS Get My Payment up and running

IRS still says 4/30 for me, but it's not in my bank.
by M.Lee
Thu Apr 30, 2020 5:53 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25639

Re: IRS Get My Payment up and running

Did any of you scheduled for 4/30. which is today, not have it deposited yet?
by M.Lee
Tue Apr 28, 2020 10:35 am
Forum: Personal Investments
Topic: [Looking for a risk-free asset]
Replies: 3
Views: 315

[Looking for a risk-free asset]

There is an article today on the cnn website about how conservative investors and savers are getting punished today by the low interest rates they claim are not going to change anytime soon (for years). One excerpt from the article says: "The key for an older investor is preservation of capital...
by M.Lee
Thu Apr 23, 2020 7:09 am
Forum: Personal Finance (Not Investing)
Topic: If you file on paper, do you see "Accepted" status at "Where's My Refund?"
Replies: 4
Views: 669

Re: If you file on paper, do you see "Accepted" status at "Where's My Refund?"

Yes, it says my paper return was received.

"We have received your tax return and it is being processed.
If you filed a complete and accurate tax return, your refund should be issued within 21 days of the received date. However, processing may take longer under certain circumstances."
by M.Lee
Tue Apr 14, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29809

Re: just got my $1200 stimulus payment

Has anyone that filed 2019 gotten a refund yet? I filed really early. I got the State refund a couple weeks ago. Nothing from IRS yet, although they indicate the return has been received. So apparently getting out the stimulus checks trumps the refund checks. I got my refund within 10 days. It was ...
by M.Lee
Mon Apr 13, 2020 7:16 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6013
Views: 1402785

Re: What Movie Have You Recently Watched?

I don't subscribe to a movie streaming service and rarely watch movies, but I got desperate last night. I selected two movies that good good reviews. Watched on Amazon for $3.99 each. Blue Valentine: This one I like a lot. About problems in a marriage. A couple rauncy sex scenes. God's Own County: O...
by M.Lee
Sat Apr 11, 2020 9:55 am
Forum: Personal Finance (Not Investing)
Topic: No news from Vanguard on RMD changes?
Replies: 31
Views: 3901

Re: No news from Vanguard on RMD changes?

Received an email from Fidelity yesterday informing the option to forego our RMD’s is available for this year with instructions on how to do it online. Well, that is interesting, because I did not get an email from them. Shortly after the waiver was announced, I went to Fidelity website under the R...
by M.Lee
Sat Apr 11, 2020 9:55 am
Forum: Personal Finance (Not Investing)
Topic: No news from Vanguard on RMD changes?
Replies: 31
Views: 3901

Re: No news from Vanguard on RMD changes?

Received an email from Fidelity yesterday informing the option to forego our RMD’s is available for this year with instructions on how to do it online. Well, that is interesting, because I did not get an email from them. Shortly after the waiver was announced, I went to Fidelity website under the R...
by M.Lee
Sat Apr 11, 2020 9:54 am
Forum: Personal Finance (Not Investing)
Topic: No news from Vanguard on RMD changes?
Replies: 31
Views: 3901

Re: No news from Vanguard on RMD changes?

Received an email from Fidelity yesterday informing the option to forego our RMD’s is available for this year with instructions on how to do it online. Well, that is interesting, because I did not get an email from them. Shortly after the waiver was announced, I went to Fidelity website under the R...
by M.Lee
Sat Apr 11, 2020 9:49 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29809

Re: just got my $1200 stimulus payment

Has anyone that filed 2019 gotten a refund yet? I filed really early. I got the State refund a couple weeks ago. Nothing from IRS yet, although they indicate the return has been received. So apparently getting out the stimulus checks trumps the refund checks.
by M.Lee
Thu Apr 09, 2020 6:03 am
Forum: Personal Finance (Not Investing)
Topic: No news from Vanguard on RMD changes?
Replies: 31
Views: 3901

Re: No news from Vanguard on RMD changes?

Received an email from Fidelity yesterday informing the option to forego our RMD’s is available for this year with instructions on how to do it online. Well, that is interesting, because I did not get an email from them. Shortly after the waiver was announced, I went to Fidelity website under the R...