Search found 551 matches

by AlwaysaQ
Sun Feb 09, 2020 1:23 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1714
Views: 191298

Re: [What TV Show Have You Recently Watched?]

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...
by AlwaysaQ
Thu Feb 06, 2020 1:01 pm
Forum: Personal Investments
Topic: Who is buying I Bonds before May 1st?
Replies: 20
Views: 2207

Re: Who is buying I Bonds before May 1st?

Like CSM above I bought my total allowed amount in early January.
by AlwaysaQ
Tue Feb 04, 2020 9:55 am
Forum: Investing - Theory, News & General
Topic: Does Schwab's growth threaten Vanguard's domination (article)
Replies: 100
Views: 5007

Re: Allan Roth: Schwab is now a huge threat to Vanguard

I am interested to hear what are these "better products".
by AlwaysaQ
Tue Feb 04, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: who do you bank with and why?
Replies: 97
Views: 6298

Re: who do you bank with and why?

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.
by AlwaysaQ
Sat Feb 01, 2020 10:50 am
Forum: Investing - Theory, News & General
Topic: Do You Do Your Taxes by Hand? Reporter doing story
Replies: 105
Views: 7056

Re: Do You Do Your Taxes by Hand? Reporter doing story

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 ...
by AlwaysaQ
Sat Feb 01, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 76861

Re: Fidelity free Turbotax

Chip
Yes I can.
by AlwaysaQ
Tue Jan 14, 2020 3:47 pm
Forum: Personal Investments
Topic: Smartest Move with "House Money" in IRA?
Replies: 4
Views: 295

Re: Smartest Move with "House Money" in IRA?

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.
by AlwaysaQ
Sun Jan 12, 2020 12:11 pm
Forum: Personal Investments
Topic: New Here Fidelity or Vanguard
Replies: 115
Views: 6846

Re: New Here Fidelity or Vanguard

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.
by AlwaysaQ
Sun Jan 05, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Spreadsheets - Out of here!
Replies: 118
Views: 10707

Re: Spreadsheets - Out of here!

Thanks to this topic I did eliminate a number of spreadsheets though not all.
by AlwaysaQ
Tue Dec 31, 2019 8:42 am
Forum: Investing - Theory, News & General
Topic: RMD how do you use them?
Replies: 42
Views: 2795

Re: RMD how do you use them?

deleted - duplicate
by AlwaysaQ
Tue Dec 31, 2019 8:41 am
Forum: Investing - Theory, News & General
Topic: RMD how do you use them?
Replies: 42
Views: 2795

Re: RMD how do you use them?

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.
by AlwaysaQ
Mon Dec 30, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 76861

Re: Fidelity Free Turbotax 2019

Last year it seemed Intuit was putting out updates to TurboTax up into March. Why the hurry?
by AlwaysaQ
Mon Dec 30, 2019 6:37 pm
Forum: Personal Investments
Topic: Fidelity Core Position: FCASH vs. FZFXX
Replies: 11
Views: 1608

Re: Fidelity Core Position: FCASH vs. FZFXX

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.
by AlwaysaQ
Sat Dec 28, 2019 10:32 am
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2020?
Replies: 6
Views: 1123

Re: Consensus on I Bonds for 2020?

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.
by AlwaysaQ
Sat Dec 28, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 76861

Re: Fidelity Free Turbotax 2019

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.
by AlwaysaQ
Sat Dec 28, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 76861

Re: Fidelity Free Turbotax 2019

deleted duplicate
by AlwaysaQ
Sat Dec 28, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 76861

Re: Fidelity Free Turbotax 2019

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.
by AlwaysaQ
Thu Dec 26, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 76861

Re: Fidelity Free Turbotax 2019

deleted see above
by AlwaysaQ
Thu Dec 26, 2019 9:57 am
Forum: Personal Investments
Topic: Fidelity Core Position: FCASH vs. FZFXX
Replies: 11
Views: 1608

Re: Fidelity Core Position: FCASH vs. FZFXX

A Money Market fund should not generate capital gains or losses.
by AlwaysaQ
Mon Dec 23, 2019 2:13 pm
Forum: Investing - Theory, News & General
Topic: What is the rationale for cash in your portfolio?
Replies: 130
Views: 9241

Re: What is the rationale for cash in your portfolio?

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.
by AlwaysaQ
Fri Dec 13, 2019 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 401k to a Fidelity IRA?
Replies: 6
Views: 343

Re: Fidelity 401k to a Fidelity IRA?

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.
by AlwaysaQ
Fri Dec 13, 2019 10:47 pm
Forum: Investing - Theory, News & General
Topic: Why did Fidelity Total Market Index fund drop -1.55% today?
Replies: 77
Views: 6599

Re: Why did Fidelity Total Market Index fund drop -1.55% today?

Sailaway

FSKAX posted two capital gains distributions in December 2018. One on 12/14 and one on 12/28.
by AlwaysaQ
Fri Dec 13, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Your New Benefit Amount from Social Security
Replies: 17
Views: 1687

Re: Your New Benefit Amount from Social Security

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.
by AlwaysaQ
Fri Dec 13, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Your New Benefit Amount from Social Security
Replies: 17
Views: 1687

Re: Your New Benefit Amount from Social Security

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.
by AlwaysaQ
Fri Dec 13, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Your New Benefit Amount from Social Security
Replies: 17
Views: 1687

Re: Your New Benefit Amount from Social Security

cadreamer2015

About when did you receive the statements? I haven't received mine but I get paid on the 3rd Wednesday of the month/
by AlwaysaQ
Fri Dec 13, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Your New Benefit Amount from Social Security
Replies: 17
Views: 1687

Your New Benefit Amount from Social Security

Is Social Security still sending the "Your New Benefit Amount" statement by the United States Post Office?
by AlwaysaQ
Fri Nov 15, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market Index Fund
Replies: 25
Views: 2695

Re: Total Bond Market Index Fund

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.
by AlwaysaQ
Tue Sep 10, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Can this girl "go wild?"
Replies: 33
Views: 5357

Re: Can this girl "go wild?"

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...
by AlwaysaQ
Tue Sep 10, 2019 10:46 am
Forum: Investing - Theory, News & General
Topic: 5% Withdrawal Rate Recommended by US News Columnist
Replies: 141
Views: 12372

Re: 5% Withdrawal Rate Recommended by US News Columnist

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.
by AlwaysaQ
Wed Sep 04, 2019 7:44 am
Forum: Investing - Theory, News & General
Topic: For those who have bonds in taxable, why and which ones?
Replies: 42
Views: 3962

Re: For those who have bonds in taxable, why and which ones?

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.
by AlwaysaQ
Mon Sep 02, 2019 9:52 am
Forum: Investing - Theory, News & General
Topic: Fidelity: When Zero does not mean free
Replies: 108
Views: 11861

Re: Fidelity: When Zero does not mean free

Jack

You may want to edit your post and change FXNAX to FSKAX. FXNAX is a bond fund.
by AlwaysaQ
Tue Aug 20, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity taxable account users: Do you use ETfs or Fidelity index funds?
Replies: 9
Views: 731

Re: Fidelity taxable account users: Do you use ETfs or Fidelity index funds?

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...
by AlwaysaQ
Tue Aug 06, 2019 8:44 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Worth it?
Replies: 176
Views: 13169

Re: Tax Loss Harvesting Worth it?

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...
by AlwaysaQ
Sat Jul 13, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 199
Views: 11465

Re: Medigap vs Advantage: Which did you select?

I also went with Medicare B, Medicare D, and a Medicare Supplemental plan.
by AlwaysaQ
Fri Jul 12, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Interior Basement Waterproofing
Replies: 8
Views: 977

Re: Interior Basement Waterproofing

I used the plastic run when I waterproofed my basement last fall. So far, so good though it's been less than a year.
by AlwaysaQ
Sat Jun 29, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Freedom Index Funds - expense ratio cut
Replies: 19
Views: 2924

Re: Fidelity Freedom Index Funds - expense ratio cut

All you have to do is type in freedom index in the search box if you are using a computer.
by AlwaysaQ
Tue Jun 25, 2019 11:02 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1714
Views: 191298

Re: [What TV Show Have You Recently Watched?]

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.
by AlwaysaQ
Fri Jun 14, 2019 9:35 am
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 7118

Re: Do Fidelity Offices/Advisors Add Value?

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...
by AlwaysaQ
Fri Jun 07, 2019 6:36 am
Forum: Personal Investments
Topic: Individual treasuries vs treasury funds
Replies: 41
Views: 4072

Re: Individual treasuries vs treasury funds

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.
by AlwaysaQ
Thu Jun 06, 2019 10:13 am
Forum: Personal Investments
Topic: Individual treasuries vs treasury funds
Replies: 41
Views: 4072

Re: Individual treasuries vs treasury funds

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.
by AlwaysaQ
Mon May 27, 2019 7:10 am
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 153
Views: 17222

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

Approximately 40/60 allocation and age is late 70s. There are planned large repairs to the home and grounds and unknown medical expenses ahead.
by AlwaysaQ
Fri Apr 26, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 77
Views: 11074

Re: New Washer - Frontload or HE Top Load

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...
by AlwaysaQ
Thu Apr 25, 2019 10:15 am
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 109
Views: 14105

Re: Close Vanguard and go all in with Fidelity?

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.
by AlwaysaQ
Wed Apr 17, 2019 10:47 am
Forum: Personal Investments
Topic: How often do you check up on your investments?
Replies: 35
Views: 2561

Re: How often do you check up on your investments?

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.
by AlwaysaQ
Tue Apr 16, 2019 8:59 am
Forum: Investing - Theory, News & General
Topic: What is your one favorite fixed income for retirement?
Replies: 46
Views: 7285

Re: What is your one favorite fixed income for retirement?

I have multiple types of fixed income assets but overwhelmingly they are FDIC insured or US Treasury backed.
by AlwaysaQ
Thu Apr 04, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund? What are you doing with it?
Replies: 54
Views: 2795

Re: Federal tax refund? What are you doing with it?

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.
by AlwaysaQ
Tue Mar 19, 2019 9:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard ETFs, Are fractional shares allowed?
Replies: 29
Views: 7446

Re: Vanguard ETFs, Are fractional shares allowed?

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?
by AlwaysaQ
Fri Mar 08, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Things to do in Maine
Replies: 72
Views: 7215

Re: Things to do in Maine

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

Besides the lobster and lobster rolls there is wild blueberry pie.
by AlwaysaQ
Mon Feb 04, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: No longer can cash Savings bonds in bank branches?
Replies: 21
Views: 8584

Re: No longer can cash Savings bonds in bank branches?

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.
by AlwaysaQ
Sat Feb 02, 2019 11:46 am
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 67
Views: 13913

Re: Consensus on I Bonds for 2019?

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