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AlwaysaQ

I have been watching David Attenborough's wildlife series "Seven Worlds One Planet". His series are usually very well done. My DVR messed up and I only saw a third of the episode on Australia but have seen North America and South America with Asia waiting on the DVR. I recommend it for anyone intere...

AlwaysaQ

Like CSM above I bought my total allowed amount in early January.

AlwaysaQ

I am interested to hear what are these "better products".

AlwaysaQ

Ally for savings and Chase for checking and safe deposit box. No fees on checking account because of direct deposit of social security and pension.

AlwaysaQ

I did my taxes by hand, without and then with a calculator, for many years. One year I got behind and called on the man who did my brother's taxes, filed for an extension, and then filed the return later. I worked with him for a number of years until he retired. I went back to doing my taxes myself ...

AlwaysaQ

Chip
Yes I can.

AlwaysaQ

For a Roth IRA at Fidelity use FSKAX or FZROX for Total US Stock Market or check for a REIT Index fund if you want REITS.

AlwaysaQ

I have both Vanguard and Fidelity taxable brokerage accounts approximately equal in value. Fidelity holds my IRA because it has multiple beneficiaries and the presence of a local office should make it easier for them when I die. I prefer mutual funds to ETFs which is why I have the Vanguard account.

AlwaysaQ

Thanks to this topic I did eliminate a number of spreadsheets though not all.

AlwaysaQ

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AlwaysaQ

Most of my charitable giving is done thru RMD QCDs because it reduces my AGI. A large portion goes to the IRS to pay taxes because it is considered withholding and I don't have to bother with making estimated payments. Some of the remainder is spent and some is reinvested.

AlwaysaQ

Last year it seemed Intuit was putting out updates to TurboTax up into March. Why the hurry?

AlwaysaQ

heybro

Either or both will appear on the combined 1099 form Fidelity creates. FCASH amounts will appear in the INT section and a money market fund amounts in the DIV section as ordinary dividends.

AlwaysaQ

I will probably buy in January. It's not that the rates are good tho they are not 0 but that it adds to tax-deferred space.

AlwaysaQ

No I do not have the offer yet. I think that last year it showed up in February. I usually owe so I am in no hurry.

AlwaysaQ

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AlwaysaQ

I am not an active trader but am Private Client. The offer for free Turbotax generally shows on the bottom of the standard Portfolio page. If one has customized the page or doesn't bother to scroll the page they could easily miss the offer.

AlwaysaQ

deleted see above

AlwaysaQ

A Money Market fund should not generate capital gains or losses.

AlwaysaQ

Cash is savings for short term goals and will be there when you need it.

I was able to remodel my kitchen in 2009 because I was holding cash.

AlwaysaQ

If they put on the hard sell just say "no, thank you" and hang up!

Years ago I called Fidelity to rollover my Fidelity 401K to an IRA. It went without a hitch; maybe because I told them to sell everything and roll the funds over.

AlwaysaQ

Sailaway

FSKAX posted two capital gains distributions in December 2018. One on 12/14 and one on 12/28.

AlwaysaQ

OP here. I don't want to create another dang account that I shouldn't need plus I need to make a copy of the statement to send to my Health Reimbursement Account handler and I don't have a printer.

Actually some things are much easier to read in paper form while sitting in an easy chair.

AlwaysaQ

Unfortunately last year I tripped over IRMAA into the next tier in 2020 and it doesn't look like I will find myself going back.

AlwaysaQ

cadreamer2015

About when did you receive the statements? I haven't received mine but I get paid on the 3rd Wednesday of the month/

AlwaysaQ

Is Social Security still sending the "Your New Benefit Amount" statement by the United States Post Office?

AlwaysaQ

I have a short-term investment horizon and split my bond funds between short-term and intermediate-term. I also have 5 sets of individual TIPS that are earmarked for RMDs in the next 9 years.

AlwaysaQ

I would think you could. As long as you are not paying with cash you could probably rebuild the last few years of spending if necessary. Often credit cards provide a year end summary and banks keep statements for a term. I haven't tracked expenses for years. I have a shortened budget spreadsheet tha...

AlwaysaQ

VPW for 30/70 stock bond is 5% at 72 years. I'm in my late 70s and Vanguard recommends a 30/65/5 asset allocation for me.
Uniform Lifetime Table RMD is 5.1% at 79 years.

AlwaysaQ

Since my asset allocation is 40/60 stock/fixed income and my IRA is only 46% of the portfolio I do hold EE and I bonds, Treasury bills and CDs in taxable. The EE and I bonds increase my tax-deferred space.

AlwaysaQ

Jack

You may want to edit your post and change FXNAX to FSKAX. FXNAX is a bond fund.

AlwaysaQ

I have Fidelity Total Market Index in my taxable account. I stopped buying more shares a while ago and started buying Vanguard Total Market because of the unpredictability of the capital gains. I plan to move my Vanguard funds to Fidelity because the presence of Fidelity local offices should make it...

AlwaysaQ

One year I was able to use TLH to keep from being thrown into the next Medicare tier. Last year I did TLH for the same reason but I failed by a small amount. This year I am watching my losses for the same reason. I look on my stocks and stock funds as my legacy to my heirs; It's possible I will neve...

AlwaysaQ

I also went with Medicare B, Medicare D, and a Medicare Supplemental plan.

AlwaysaQ

I used the plastic run when I waterproofed my basement last fall. So far, so good though it's been less than a year.

AlwaysaQ

All you have to do is type in freedom index in the search box if you are using a computer.

AlwaysaQ

I have been following "The Zoo" about the Bronx Zoo and "Secrets of the Zoo" about the Columbus Zoo and Aquarium and The Wilds adjunct where herds of animals roam thousands of acres.

I recorded episodes of "Too Cute" kittens and watch one when I want to de-stress.

AlwaysaQ

I have had accounts at Fidelity for over 10 years and have gone to an office only 3 or 4 times in that period. However, I am in my late 70s and have 4 beneficiaries of my IRA so having an office to go to should help them out when the time comes. I did meet very early with someone. I said I was DIY a...

AlwaysaQ

But not all government obligations are Treasuries. I thought the state tax exemption applied only to Treasuries.

LATER
I checked my state return and it excludes interest on U.S. Government bonds and U.S. Government obligations.

AlwaysaQ

Some of the lower cost Treasury funds mentioned such as VSBSX contain not only Treasuries. How does that affect state tax?

It seems Vanguard's treasury only funds have ERs of .20 for Investor class and .10 for Admiral class.

AlwaysaQ

Approximately 40/60 allocation and age is late 70s. There are planned large repairs to the home and grounds and unknown medical expenses ahead.

AlwaysaQ

For grabbing socks and undies from the washer a long pair of kitchen tongs with rubber tips would work. I'm 5' 4" and have to rotate the tub to get things from the bottom sometimes. I have a top load HE Kenmore and like it fine but I'm old and live alone so things don't get really dirty. It does hav...

AlwaysaQ

I hold the bulk of my investments at Fidelity because I am old, single, and there are local offices for my heirs. My IRA is a bit complicated because of the assets I hold.

AlwaysaQ

I update my accounts spreadsheet on Saturday morning before I backup documents and pictures to external storage. I also check the accounts after making a buy or sell to see if it went through.

AlwaysaQ

I have multiple types of fixed income assets but overwhelmingly they are FDIC insured or US Treasury backed.

AlwaysaQ

Since I don't have a crystal ball I try to have my withholding meet the Safe Harbor test. Due to the 2018 tax cut I am getting a refund that will go into savings and provide some money to help convert more of my IRA stock funds to taxable stock funds.

AlwaysaQ

Has anybody converted a mutual fund to it's ETF and then moved the whole shares to another investment house? If so, what happened to fractional shares then?

AlwaysaQ

Take a boat trip up the coast to see Maine from the sea.

Besides the lobster and lobster rolls there is wild blueberry pie.

AlwaysaQ

Last year one bank I asked about cashing paper I bonds gave me an answer that they did but only up to a limit of $5000. If I wanted to cash more I should let them know in advance.

AlwaysaQ

I bought half my allowed amount last month and I think I will buy the remainder in April.

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