Search found 605 matches

by AlwaysaQ
Wed Feb 24, 2021 2:37 pm
Forum: Forum Issues and Administration
Topic: What is the deal with "DW"?
Replies: 104
Views: 4797

Re: What is the deal with "DW"?

Is 'my boo' the one who scares you?
by AlwaysaQ
Mon Feb 22, 2021 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Cash: a survey
Replies: 95
Views: 6134

Re: Cash: a survey

1. How much cash do you have expressed as a percentage of your portfolio? About 14% of portfolio. 11% in taxable with some of it earmarked for home improvement projects if and when we get back to normal and 3% in tIRA to cover this year's RMD with some left over. 2. How much cash do you have express...
by AlwaysaQ
Thu Feb 11, 2021 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Import Fidelity into Turbotax
Replies: 51
Views: 3386

Re: Import Fidelity into Turbotax

I imported a 1099-R and the consolidated 1099 which had interest and dividends. I made no sales so no 1099-B.
by AlwaysaQ
Sun Feb 07, 2021 11:59 am
Forum: Personal Investments
Topic: Should I invest in 401k with no employer match?
Replies: 36
Views: 2087

Re: Should I invest in 401k with no employer match?

When I was working there were years with no match and some with a small match. I still contributed the max I could tax free. Money not to be spent until at least no penalty charged. Turns out I didn't touch it until the year I turned 71 and had to take RMDs. Lower income tax in the years before RMDs...
by AlwaysaQ
Thu Feb 04, 2021 11:45 am
Forum: Personal Investments
Topic: Converting VTSAX to VTI inside Fidelity Roth account
Replies: 24
Views: 1820

Re: Converting VTSAX to VTI inside Fidelity Roth account

Why not just buy Fidelity Zero Total Market or Fidelity Total Market in the Roth?
by AlwaysaQ
Tue Jan 12, 2021 10:39 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2647
Views: 264764

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

The new version of "All Creatures Great and Small" on PBS. I watch a number of the veterinarian and zoo shows on Nat Geo Wild so it should be an interesting comparison. Of course today there are vaccines and antibiotics that save lives whereas they didn't exist then.
by AlwaysaQ
Tue Jan 05, 2021 10:20 am
Forum: Personal Finance (Not Investing)
Topic: How do you pay your taxes? Check or EFTPS?
Replies: 80
Views: 4743

Re: How do you pay your taxes? Check or EFTPS?

I have had Federal taxes withheld from my RMD except for 2020 when I used Direct Pay. I make state estimated payment with one check in April.
by AlwaysaQ
Sun Dec 06, 2020 11:01 am
Forum: Investing - Theory, News & General
Topic: What happened to Fido funds today?
Replies: 114
Views: 5943

Re: What happened to Fido funds today?

Fidelity does a lot of processing overnight. I always check my account in the morning after and before the market opens. Many questions will be answered by then.
by AlwaysaQ
Mon Nov 23, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: What charity are you donating to this Christmas season?
Replies: 145
Views: 6210

Re: What charity are you donating to this Christmas season?

I've given to a number of charities this year but the two largest donations went to the local Humane Society and a community food bank. Charities I gave to include hometown, regional, national, and international charities.
by AlwaysaQ
Mon Oct 26, 2020 7:18 am
Forum: Personal Investments
Topic: MYGA within IRA
Replies: 9
Views: 854

Re: MYGA within IRA

deleted
by AlwaysaQ
Mon Oct 26, 2020 7:18 am
Forum: Personal Investments
Topic: MYGA within IRA
Replies: 9
Views: 854

Re: MYGA within IRA

If the MYGA has been opened using traditional IRA funds and the owner is of RMD age can the RMD for the MYGA be paid from funds from the other IRA?
by AlwaysaQ
Wed Oct 07, 2020 10:44 am
Forum: Personal Investments
Topic: Roth IRA without earned income
Replies: 2
Views: 438

Roth IRA without earned income

Can I open a Roth IRA and fund it with monies from my traditional IRA if I have no earned income?
by AlwaysaQ
Tue Sep 29, 2020 10:02 am
Forum: Investing - Theory, News & General
Topic: What fund(s) are in your taxable account?
Replies: 138
Views: 11263

Re: What fund(s) are in your taxable account?

Oldest fund I now have is Fidelity Total Stock. I started buying Vanguard Total Stock because of the ETF share class. I then tax loss harvested underwater shares of Vanguard Total Stock into Vanguard 500. No bond funds in taxable. FSKAX, VTSAX, VFIAX
by AlwaysaQ
Fri Sep 11, 2020 8:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard 3rd quarter dividend dates
Replies: 14
Views: 2124

Re: Vanguard 3rd quarter dividend dates

I did search investor.vanguard - didn't know there was an investornews.vanguard.
by AlwaysaQ
Thu Sep 10, 2020 1:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 3rd quarter dividend dates
Replies: 14
Views: 2124

Anyone seen a schedule for September dividends?

[Thread merged into here, see below. --admin LadyGeek]

title says it all - I want to know when my funds are due to pay this month's dividend.
by AlwaysaQ
Thu Sep 03, 2020 10:39 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 466
Views: 38704

Re: What is your age and asset allocation ?

Prairieman -

Not everyone is a multimillionaire.
Aging make the possibility of needing long term care causing faster asset depletion loom larger.
I invest at my risk level; my heirs can choose their own when they inherit and I hope they do inherit.
by AlwaysaQ
Tue Sep 01, 2020 1:21 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 466
Views: 38704

Re: What is your age and asset allocation ?

78, in the 25th year of retirement, 41% stock and stock funds, 59% bonds, bond funds, cash, and a qualified fixed deferred annuity.
by AlwaysaQ
Thu Aug 27, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: library ebooks not available for kindle?
Replies: 20
Views: 1402

Re: library ebooks not available for kindle?

I think if you want to use Libby comfortably you need an Android tablet or an IPad; something large enough to read but not too heavy to carry.
by AlwaysaQ
Sun Aug 23, 2020 11:18 am
Forum: Personal Investments
Topic: Assets at Single, or Multiple Brokerages?
Replies: 19
Views: 1324

Re: Assets at Single, or Multiple Brokerages?

I have an account at Vanguard because I prefer mutual funds over ETFs and their mutual funds with an ETF share class don't generate taxable capital gains. I have my IRA at Fidelity because there are offices nearby that my heirs can visit when I pass since inheriting and dividing an IRA is much more ...
by AlwaysaQ
Thu Aug 13, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2647
Views: 264764

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

Another series that just finished and I enjoyed is The Alienist: Angel of Darkness. Very dark and violent. Takes place in New York in the waning years of the 1800s.
by AlwaysaQ
Thu Aug 13, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2647
Views: 264764

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

Endeavour Season 7 on PBS. Early years of Inspector Morse. It's only 3 episodes for season 7.

I enjoy it. Have watched Endeavour since it began.
by AlwaysaQ
Thu Aug 06, 2020 12:03 pm
Forum: Personal Investments
Topic: In kind transfer from Vanguard to Fidelity: Convert to ETF before transferring?
Replies: 11
Views: 848

Re: In kind transfer from Vanguard to Fidelity: Convert to ETF before transferring?

You also could move VTSAX to Fidelity and from that point buy ITOT. You can sell existing shares of VTSAX without a fee when you need the cash.

If you sell VTSAX (or VTI) just to buy ITOT you might have to pay tax on capital gains when it is unnecessary.
by AlwaysaQ
Thu Jul 16, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 308
Views: 29874

Re: Oddly Difficult to Find Items During the Pandemic

My niece got me 2 pounds of Red Star Active Dry Yeast at a Gordon's Food Service store. My neighbors got me 12 pounds of King Arthur AP Flour at Costco. I have had trouble with High Efficiency laundry detergent and Soft Soap. They are advertised as in-store only in my area and I have been avoiding g...
by AlwaysaQ
Wed Jul 15, 2020 10:02 am
Forum: Personal Investments
Topic: Jack and Vanguard Faithful Considering Fidelity Index Funds for Zero Minimum Investment
Replies: 103
Views: 9048

Re: Jack and Vanguard Faithful Considering Fidelity Index Funds for Zero Minimum Investment

I have both Vanguard and Fidelity accounts. In my Fidelity IRA I hold FNILX (Fidelity Zero Large Cap). I also hold FSKAX (Fidelity Total Stock) in taxable but usually buy in my Vanguard taxable account to avoid incurring more capital gains. For 401k or IRA accounts Fidelity Zero funds are good choic...
by AlwaysaQ
Thu Jul 09, 2020 8:59 am
Forum: Personal Investments
Topic: Fido Deferred Fixed Annuity
Replies: 84
Views: 8015

Re: Fido Deferred Fixed Annuity

You can look at annuity information at Fidelity without logging on.
by AlwaysaQ
Tue Jul 07, 2020 4:02 pm
Forum: Personal Investments
Topic: Ally CD maturing
Replies: 30
Views: 2191

Re: Ally CD maturing

I rolled over my late June maturing Ally NP CD into another Ally NP CD. I don't think we've hit bottom on savings rate yet. I have funds in Ally savings also so I hope not to need the CD in the near future.
by AlwaysaQ
Mon Jul 06, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6375
Views: 1434014

Re: What Movie Have You Recently Watched?

wilson08

I watched "She Wore a Yellow Ribbon" and DVRed "The Searchers" this last weekend.
by AlwaysaQ
Fri Jul 03, 2020 12:08 pm
Forum: Personal Investments
Topic: Moving Vanguard Total Stock fund shares
Replies: 11
Views: 654

Re: Moving Vanguard Total Stock fund shares

Thank you Livesoft. The only time I transferred shares recently they were in my IRA so cost basis didn't matter.
by AlwaysaQ
Fri Jul 03, 2020 11:30 am
Forum: Personal Investments
Topic: Moving Vanguard Total Stock fund shares
Replies: 11
Views: 654

Re: Moving Vanguard Total Stock fund shares

I understand what you are saying but I am not talking about buying VTSAX at other brokerages; only holding or selling. I would still buy the shares at Vanguard.
by AlwaysaQ
Fri Jul 03, 2020 11:06 am
Forum: Personal Investments
Topic: Moving Vanguard Total Stock fund shares
Replies: 11
Views: 654

Re: Moving Vanguard Total Stock fund shares

I hate ETFs. I may have to use them some day but not today.
by AlwaysaQ
Fri Jul 03, 2020 10:34 am
Forum: Personal Investments
Topic: Moving Vanguard Total Stock fund shares
Replies: 11
Views: 654

Moving Vanguard Total Stock fund shares

I am thinking of moving VTSAX shares from Vanguard to another brokerage. All are covered shares and I do have a list of dates, shares, and cost for each lot but I still worry that Vanguard might not send the correct information. Has anybody had that particular problem and how long did it take to fix...
by AlwaysaQ
Sat Jun 06, 2020 4:55 pm
Forum: Personal Investments
Topic: Retirees: what is your AA?
Replies: 80
Views: 4233

Re: Retirees: what is your AA?

Age late 70s and 35/65.
by AlwaysaQ
Thu Jun 04, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 25329

Re: Are you still going to the grocery store or using a delivery service? Which?

I have been using a local chain grocery and Kroger for pickup. The local chain charges a fee but they are the store I mostly used before the virus so I want them to stay around. I like their meats, they carry a lot of Michigan items, and they usually have the cereal and produce I want and also Starb...
by AlwaysaQ
Thu Apr 09, 2020 8:55 am
Forum: Personal Consumer Issues
Topic: "Your limit decreased" Experian email -- fraud? legit? worth worrying about?
Replies: 10
Views: 1205

Re: "Your limit decreased" Experian email -- fraud? legit? worth worrying about?

Have you checked all your credit cards? During 2008-2009 I had a credit card limit decreased by the issuer. It wasn't uncommon then.
by AlwaysaQ
Sun Apr 05, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: Charity during the pandemic
Replies: 73
Views: 4742

Re: Charity during the pandemic

The CARES act provides that even those who don't itemize on their tax returns can deduct up to $300 in charitable contributions.
by AlwaysaQ
Wed Apr 01, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Without a requirement for RMD's in 2020, are you still going to make your QCD's?
Replies: 27
Views: 2038

Re: Without a requirement for RMD's in 2020, are you still going to make your QCD's?

I still plan to make QCDs from my TIRA. Maybe even do a small Roth conversion. I plan to make estimated federal tax payments instead of taking a distribution to pay the taxes.
by AlwaysaQ
Wed Apr 01, 2020 10:03 am
Forum: Personal Consumer Issues
Topic: GOOD RX...What Is It?
Replies: 37
Views: 3154

Re: GOOD RX...What Is It?

There is also Singlecare. I haven't used any of these yet. If I have to print a coupon then I can't because I don't have a printer.
by AlwaysaQ
Tue Mar 31, 2020 8:31 pm
Forum: Personal Investments
Topic: Will my bank withhold my IRA RMD
Replies: 11
Views: 1120

Re: Will my bank withhold my IRA RMD

My Fidelity auto RMD withdrawal plan was to start in December. I deactivated it. Later in the year I will call to see if I need to do anything else.
by AlwaysaQ
Tue Mar 31, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 59
Views: 3066

Re: Stand Mixer

I have an older KA tilt-head. It stands on the counter next to the refrigerator but I usually move to the counter next to the sink when I use it for easier cleanup. However, that is a lateral move; not lifting it up or taking it down. I have other heavy appliances in a pantry closet on a middle shel...
by AlwaysaQ
Mon Mar 30, 2020 12:22 pm
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 167
Views: 12294

Re: How many funds do you have in your portfolio?

3 stock funds in taxable, 1 stock fund and 2 bond funds plus the settlement fund in IRA.
by AlwaysaQ
Sun Mar 29, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 59
Views: 3066

Re: Stand Mixer

Darthsage
Glass bowls are heavy. I know I have enough trouble holding the metal mixing bowl with one hand and scraping out the mixture into the cake or bread pan. I think glass would only be good for making drop cookies.
by AlwaysaQ
Sat Mar 28, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 18334

Re: What will you do first, once COVID pandemic is over?

Visit my nieces, their hubbies, and their dogs. Go to a grocery store and pick my own food. Get a haircut. Make an appointment with my doctor for my bi-yearly blood tests, my dentist for a cleaning, and my eye doctor for a checkup all of which WERE scheduled for April.
by AlwaysaQ
Sat Mar 28, 2020 6:47 am
Forum: Personal Consumer Issues
Topic: Stand Mixer
Replies: 59
Views: 3066

Re: Stand Mixer

I like mine. I wouldn't care to make 2 loaves of date-nut bread without it. Anything with nuts in the dough is easier with a stand mixer.
by AlwaysaQ
Fri Mar 27, 2020 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 13372

Re: How are you going to use your stimulus money?

I'll most likely use anything I get to pay living expenses because bank interest and stock dividends are going to be down and I plan not to take my RMD. I still plan to make charitable contributions.
by AlwaysaQ
Sun Mar 22, 2020 10:31 am
Forum: Investing - Theory, News & General
Topic: Yields on TBill went Negative
Replies: 6
Views: 714

Re: Yields on TBill went Negative

I cancelled my rollover order for the 13 week bill. I will send the funds to my online bank.
by AlwaysaQ
Sun Mar 22, 2020 10:04 am
Forum: Investing - Theory, News & General
Topic: Yields on TBill went Negative
Replies: 6
Views: 714

Re: Yields on TBill went Negative

Not yet. The 4 week and 8 week bills went at 0.03 and the 13 week and 26 week will be auctioned Monday.
by AlwaysaQ
Sat Mar 21, 2020 8:15 am
Forum: Investing - Theory, News & General
Topic: Are we better off now than Dec 2018?
Replies: 288
Views: 24204

Re: Are we better off now than Dec 2018?

Prices are not similar. I have lots of Vanguard Total Stock and Fidelity Total Stock from 2017 showing losses.
by AlwaysaQ
Fri Mar 20, 2020 1:10 pm
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 167
Views: 12294

Re: How many funds do you have in your portfolio?

As of today I have 3 funds in taxable and 3 funds in my IRA. I have 2 Vanguard funds in taxable due to TLH.
by AlwaysaQ
Wed Mar 18, 2020 7:04 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 173
Views: 10803

Re: What is your AA, given your age ? and this crisis ?

I'm 78, retired, and living on pension, social security, and investment income. I had planned 40% stock, got up to 44%, and then the market started to crumble and I am now down to 35%. I have done some TLH exchanges but not bought otherwise. I'm not sure what stock allocation I want when this is ove...