Search found 526 matches

by runner26
Fri Jun 12, 2020 10:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard alters some inv grade bond fund restrictions
Replies: 49
Views: 2410

Re: Vanguard alters some inv grade bond fund restrictions

sport wrote:
Fri Jun 12, 2020 10:13 am
How was this notice sent to you? Was it email, snail mail, other? I hold these funds and have not been notified.
Email title Vanguard Funds Imoprtant Information from Vanguard Brokerage
by runner26
Fri Jun 12, 2020 9:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard alters some inv grade bond fund restrictions
Replies: 49
Views: 2410

Vanguard alters some inv grade bond fund restrictions

[Thread merged into here, see below. --admin LadyGeek] "We are writing to let you know about a change to Vanguard Short-Term Investment-Grade Fund, Vanguard Intermediate-Term Investment-Grade Fund, and the Short-Term Investment-Grade Portfolio of Vanguard Variable Insurance Funds (each, a “Fund” an...
by runner26
Wed May 27, 2020 7:23 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6539

Re: How to get disinfecting wipes..seriously

I was able to order a 3 pack of Clorox wipes from Walmart and they arrived yesterday. They were placed in the box on their side and all the liquid leaked out. The wipes were dry. I had to through them out and get a refund. Today I was able to order a 5 pack from Costco and am hoping for better resu...
by runner26
Wed May 27, 2020 4:52 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6539

Re: How to get disinfecting wipes..seriously

I was able to order a 3 pack of Clorox wipes from Walmart and they arrived yesterday. They were placed in the box on their side and all the liquid leaked out. The wipes were dry. I had to through them out and get a refund. Today I was able to order a 5 pack from Costco and am hoping for better resul...
by runner26
Sat May 16, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6539

Re: How to get disinfecting wipes..seriously

I was just thinking this morning that Costco will sell me a limit 5 toaster ovens on sale, but I cannot buy 1 disinfecting wipes. :oops:
by runner26
Tue May 05, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: Powdered Soy Milk
Replies: 39
Views: 2222

Re: Powdered Soy Milk

205 ounces for 8.15 https://www.vitacost.com/now-organic-soy-milk-powder Thanks runner26, Actually 20 oz. It looks like that product including shipping would yield about 2-2.5 gal. at @ $2.25-2.50 per gal. Not bad if my math’s close. That’s comparable to the low end of ready mixed cartons. On Amazo...
by runner26
Sun May 03, 2020 10:43 pm
Forum: Personal Consumer Issues
Topic: Powdered Soy Milk
Replies: 39
Views: 2222

Re: Powdered Soy Milk

by runner26
Sun Apr 19, 2020 10:48 pm
Forum: Personal Consumer Issues
Topic: Space X satellites in the sky
Replies: 16
Views: 1609

Re: Space X satellites in the sky

I loved watching these spacex launches the past couple of years. I could see them from my back yard when they launched from Vandenberg. When they started landing the booster the level of cool to watch doubled. There have not been any scheduled this year, or for awhile before. I am missing the excite...
by runner26
Fri Apr 17, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: Runners -Anyone use the old fashion Shoe Goo??
Replies: 30
Views: 1403

Re: Runners -Anyone use the old fashion Shoe Goo??

My runners wear at the heels in only 150 miles. So I hacksaw the bottoms off old runners and make heel taps that I shoe goo on to extend the life to 550 miles. My orthotics with spenco insoles provide plenty of support and cushion.
by runner26
Thu Apr 16, 2020 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 35776

Re: Car Dealers not really wanting to make a deal

I read that sales have not dropped as much as thought, and that manufacturing is shut down, so no piling up of inventory.
by runner26
Thu Apr 09, 2020 11:50 am
Forum: Personal Finance (Not Investing)
Topic: SS and turning 70 after file and suspend my experience
Replies: 12
Views: 1133

Re: SS and turning 70 after file and suspend my experience

For me, I did it at my FRA, in case my doctor told me you are going to die. This would have allowed me to unsuspend and say never mind, give me all the payments I would have received had I not suspended. Otherwise, at 70, where I am now, I receive an adjusted amount as if I had not filed prior to 7...
by runner26
Wed Apr 08, 2020 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: SS and turning 70 after file and suspend my experience
Replies: 12
Views: 1133

Re: SS and turning 70 after file and suspend my experience

For me, I did it at my FRA, in case my doctor told me you are going to die. This would have allowed me to unsuspend and say never mind, give me all the payments I would have received had I not suspended. Otherwise, at 70, where I am now, I receive an adjusted amount as if I had not filed prior to 70...
by runner26
Wed Apr 08, 2020 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: SS and turning 70 after file and suspend my experience
Replies: 12
Views: 1133

Re: SS and turning 70 after file and suspend my experience

As I think of this more, they could have taken March Medicare from my March SS, and returned 3 payments and the numbers would have been the same. Wish they had sent an accounting.
by runner26
Wed Apr 08, 2020 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: SS and turning 70 after file and suspend my experience
Replies: 12
Views: 1133

SS and turning 70 after file and suspend my experience

This comes up occasionally, here is my experience. I file and suspended at FRA. This March I turned 70 in the first week, so April 8 would be my first payment date. I had tried to send in a withholding of Fed taxes (W4-V) a few months earlier, but they sent it back saying I could not until I was rec...
by runner26
Wed Apr 01, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56444

Re: How to get Toilet Paper ? seriously.

I was at Costco this morning when they opened at 8am for seniors in Santa Maria CA. There was TP, Paper Towels and Kleenex, though the quantities were smallish. There were no sanitizing wipes. You were only allowed to purchase 1 of each item. When I was picking up my paper towels, and employee was r...
by runner26
Tue Mar 24, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: Ants ... should we keep going or change tactics
Replies: 36
Views: 2317

Re: Ants ... should we keep going or change tactics

I quit using terro as it never completely illuminated the problem. I researched and found that it is sugar based which the workers eat, and it kills them, but the queens dont eat it. The queens are grease and protein eaters. I switched to amdro which is a combination of ingredients and have had more...
by runner26
Fri Feb 14, 2020 4:28 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 169
Views: 21417

Re: Total Stock Market Index - Section 199A dividends this year

Just got a new software update from H&R Block. The 8995 problem of not correctly reporting the deduction was fixed. Line 10 on 1040 is now being populated. :sharebeer
by runner26
Mon Feb 03, 2020 8:50 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 169
Views: 21417

Re: Total Stock Market Index - Section 199A dividends this year

Seems like TurboTax is handling this better than H&R Block. I went into my 1099-DIV, entered the massive $108 in Sec. 199A dividends, and absolutely nothing happened with the bottom line. I went to investigate, and it looks like a brain-dead error on the part of the software. - On the form 8995, li...
by runner26
Fri Jan 31, 2020 8:24 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 169
Views: 21417

Re: Total Stock Market Index - Section 199A dividends this year

Seems like TurboTax is handling this better than H&R Block. I went into my 1099-DIV, entered the massive $108 in Sec. 199A dividends, and absolutely nothing happened with the bottom line. I went to investigate, and it looks like a brain-dead error on the part of the software. - On the form 8995, li...
by runner26
Wed Jan 29, 2020 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at 70 if you filed and suspended
Replies: 12
Views: 1620

Re: Social Security at 70 if you filed and suspended

will be 70 in March and called and verified that it was automatic after filing and suspending at age 66. The form w4v is downloadable online. Was told to wait until I get benefits to file the w4v to take out tax because if they get the form early, may cause confusion. I read this too late and had a...
by runner26
Mon Jan 27, 2020 7:28 pm
Forum: Investing - Theory, News & General
Topic: Total Stock Market Index - Section 199A dividends this year
Replies: 169
Views: 21417

Re: Total Stock Market Index - Section 199A dividends this year

Seems like TurboTax is handling this better than H&R Block. By any chance is your AGI > 160,700 as single or 321,400 if married? In that case you need to use for 8995a, which H&R Block says will not be final until 2/14. Others have said that the IRS hasn't finalized the 8995a form yet, so 2/14 shou...
by runner26
Fri Jan 10, 2020 10:18 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 903583

Re: What's Your Credit Card Rewards Strategy?

I am looking at an offer for a Fidelity VISA. Does the Fidelity VISA allow for the generation of virtual credit card numbers? I like that feature with my Capital One card to avoid stolen number headaches and wouldn't want to lose it, though I would like the higher Fidelity cash back if it is offered.
by runner26
Thu Dec 19, 2019 9:51 pm
Forum: Personal Consumer Issues
Topic: New home not included in USPS database - minor headache
Replies: 21
Views: 1849

Re: New home not included in USPS database - minor headache

I had this headache when I moved into a new development. My street didn't exist in google maps. I contacted google maps and requested my new street and address be added. I took a little while, but they did respond after which my problems diminished. Update, missed you saying USPS. I had problems get...
by runner26
Thu Dec 19, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 156
Views: 15598

Equifax claim update

[Thread merged into here, see below. --admin LadyGeek] "If you made a claim for $125 from Equifax, you’re not getting it after court awards nearly $80 million to attorneys" ...“That’s down to $6 or $7 [per consumer] now. Maybe even less than that,” https://www.cnbc.com/2019/12/19/court-awards-80-mi...
by runner26
Mon Nov 04, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 28577

Re: H&R BLOCK Pre-Order 2019 Software Offer

I went ahead and bought it for the 34.95 I was offered since no one here posted a 29.95 link. I needed state and federal deluxe. I remember last year some saying when the Amazon offer came along they called for a refund of the difference. I noticed that my receipt for my purchase this year says >All...
by runner26
Wed Oct 30, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 28577

Re: HRBLOCK Pre-Order 2019 Software Offer

For me, it was 34.95 without the extended service and 40.94 with the extended service. :annoyed
by runner26
Wed Oct 30, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 28577

Re: HRBLOCK Pre-Order 2019 Software Offer

Your link is for the product that does not include a state return. For those of us who need a state return, purchasing it separately can get expensive. I will be waiting. Last year Block 2018 Deluxe *including* state bundled with Federal was available for under $20 on a Black Friday Amazon deal. Ed...
by runner26
Mon Oct 21, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Second Opinion for Dental Procedure/Cost (Crown)
Replies: 13
Views: 1507

Re: Second Opinion for Dental Procedure/Cost (Crown)

I just paid 1296 for crown and buildup here in California. My dentist uses a scanner and 3D printer to create the crown with modern materials while you wait. I spent less than 2 hours in the office and left with the permanent crown in place. No temporary.
by runner26
Sun Sep 29, 2019 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: COSTCO Citicard credit/discount question
Replies: 32
Views: 3980

Re: COSTCO Citicard credit/discount question

Just cash the check and charge the purchase.. That is the way to start building up the rebate for next year. I always do this. I go to the customer service desk on the way in and cash the check for cash. Then shop and pay with the citi card. I don't want to use the check for a purchase as you lose ...
by runner26
Mon Jul 29, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5613

Re: Capital One data breach

..."Beyond the credit card application data, the individual also obtained portions of credit card customer data, including: Customer status data, e.g., credit scores, credit limits, balances, payment history, contact information Fragments of transaction data from a total of 23 days during 2016, 2017...
by runner26
Mon Jul 29, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5613

Capital One data breach

Capital One, the Virginia-based bank with a popular credit card business, announced Monday that a hacker had accessed about 100 million credit card applications, and investigators say thousands of Social Security and bank account numbers were also taken. https://www.washingtonpost.com/national-secur...
by runner26
Wed May 22, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Tax Form 5498 How long to keep it?
Replies: 4
Views: 453

Re: Tax Form 5498 How long to keep it?

https://obliviousinvestor.com/should-i-keep-my-form-5498/ "So, in the event that you want to take one of these tax-free distributions of Roth IRA contributions, how do you know (and how could you prove to the IRS) how much you’ve contributed to your Roth IRAs over the years? By looking at your Forms...
by runner26
Tue Apr 23, 2019 10:01 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 420
Views: 94408

Re: "Vanguard converting mutual fund accounts to brokerage?

I got no notice from vanguard that the form I mailed in a week ago had been processed, I could not initiate a transfer this morning, but was able to do so this evening. So a full week start to finish.
by runner26
Tue Apr 23, 2019 8:55 am
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 420
Views: 94408

Re: "Vanguard converting mutual fund accounts to brokerage?

I printed and mailed in the required form a full week ago and it still has not been processed. What? You have to print and mail in a form just because you converted a mutual fund account to a brokerage account? We have avoided converting an old account, but have set up two new ones in the last coup...
by runner26
Mon Apr 22, 2019 7:41 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 420
Views: 94408

Re: "Vanguard converting mutual fund accounts to brokerage?

Your updated bank authorization hasn't been received. You must complete the Updated Bank Authorization Agreement, choose another bank, or select a different funding method Yeh they seem to have a problem there. :D Unfortunately I did not read these posts untill after I converted a three weeks ago. ...
by runner26
Mon Apr 22, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits Strategy
Replies: 35
Views: 4260

Re: Social Security Benefits Strategy

Jack FFR1846 wrote:
Mon Apr 22, 2019 10:02 am
Do any of these calculations take into account the expected drop of 25% in benefits expected in 2034?
CNBC just reported that the Gov has announced a change in it's estimate from 2034 to 2035 when the trust fund will be depleted.
by runner26
Mon Apr 15, 2019 10:26 pm
Forum: Personal Investments
Topic: Itemized deduction for CA Taxes
Replies: 11
Views: 1276

Re: Itemized deduction for CA Taxes

See also discussion here viewtopic.php?f=2&t=236749
Instructions say you must include Federal schedule A in addition to check box and state schedule CA. Note that hr block did not print this with state return, you had to read and know state instructions.
by runner26
Mon Apr 08, 2019 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction vs Itemizing - Experience this year
Replies: 52
Views: 5966

Re: Standard Deduction vs Itemizing - Experience this year

Sorry I was not clear. I was staying in the 12 % bracket to keep my substantial dividends at zero percent so as not to get pushed into the hump for dividends, between the 12 an 22 brackets, which is effectively 27 percent. I can control my income to some extent. I will attempt it again this year. Ne...
by runner26
Mon Apr 08, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction vs Itemizing - Experience this year
Replies: 52
Views: 5966

Re: Standard Deduction vs Itemizing - Experience this year

SALT limit kept me from itemizing Federal this year. I had to take 7000 less in income than last year to keep from being bumped into a higher bracket. Worse, I still had to fill out Schedule A to itemize my CA state return. I am now dumping every maturing CD into the mortgage which I cannot write o...
by runner26
Mon Apr 08, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction vs Itemizing - Experience this year
Replies: 52
Views: 5966

Re: Standard Deduction vs Itemizing - Experience this year

SALT limit kept me from itemizing Federal this year. I had to take 7000 less in income than last year to keep from being bumped into a higher bracket. Worse, I still had to fill out Schedule A to itemize my CA state return. I am now dumping every maturing CD into the mortgage which I cannot write of...
by runner26
Thu Mar 14, 2019 3:42 pm
Forum: Investing - Theory, News & General
Topic: New Brokerage platform
Replies: 10
Views: 1485

Re: New Brokerage platform

We each received this message today (with no definite date of when legacy goes away): YOUR ACCOUNT NEEDS TO BE TRANSITIONED Dear x, We're retiring our old investment platform, which is what you're using today. We'll need you to take a few minutes to complete a 3-step transition to our new investment...
by runner26
Thu Jan 17, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Impact of Tax Reform on California Tax Return
Replies: 9
Views: 2079

Re: Impact of Tax Reform on California Tax Return

Note that the instructions are the same for 2018 as 2017 above. I noted that H&R Block software does not print Schedule A nor tell you to attach Schedule A in my case with standard federal and itemized state. They correctly tell you to attach your federal return, which of course does not include Sch...
by runner26
Wed Jan 16, 2019 5:57 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 60778

Re: John Bogle is dead at 89

Rest in peace Jack.
Thank you for making a difference for so many lives.
by runner26
Tue Dec 25, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 411
Views: 61991

Re: What NON frugal thing did you do today?

Bought the $21 bottle of chardonnay that was on for sale at $16. It was not as good as the $7.95 bottle I usually buy.
by runner26
Sat Dec 22, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Impact of Tax Reform on California Tax Return
Replies: 9
Views: 2079

Re: Impact of Tax Reform on California Tax Return

I was looking into the issue first raised in this posting. How to file federal taxes while itemizing CA state taxes. From the CA FTB web site there is this comment: https://www.ftb.ca.gov/current/Income-tax-reform.shtml Credits and Deductions Here are some key areas of the tax reform. The changes ma...
by runner26
Sat Nov 03, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 314
Views: 30540

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

I got an email, but my offer was $34.95 so you have a better deal. I used H&R Block last year as well so that's why I got the email, but no clue why your offer was better. I'm going to wait to see if Amazon has a Black Friday deal or maybe Cyber Monday. Same here :? I guess we are step children.
by runner26
Sun Jul 01, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: Treasury Direct website down all day (7/1)
Replies: 23
Views: 3030

Re: Treasury Direct website down all day (7/1)

Same for us. Account logon fine, view fine, hangs at final step to redeem the bond. Also hangs to read your messages.
by runner26
Fri Mar 30, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536534

Re: What are you up YTD? [Year To Date]

-.49% AA 47.5/52.5