Search found 645 matches

by 2beachcombers
Sat May 09, 2020 10:16 am
Forum: Investing - Theory, News & General
Topic: The Goal based Asset Allocation Ratio (non-age based)
Replies: 35
Views: 2338

Re: The Goal based Asset Allocation Ratio (non-age based)

Thanks for sharing. I like your thought process as i have been ignoring age based. Why? Have always had a reliable, good paying job. And a kind market. 100% in equities for 30+ years till I read Dr. Berstein(efficient frontier) 80% equities for next 15 years Met my $$ target before retired Delayed S...
by 2beachcombers
Sat May 02, 2020 7:07 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25651

Re: IRS Get My Payment up and running

tennisplyr wrote: Sat May 02, 2020 6:46 am Got my notice...payment to be direct deposited on May 6! Stay hopeful.
+1 Bank info input last Sat 25th. $$ in phaseout
by 2beachcombers
Wed Apr 29, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25651

Re: IRS Get My Payment up and running

I have had a freeze on all for years. No problem getting DD via IRS
by 2beachcombers
Mon Apr 27, 2020 11:54 am
Forum: Personal Investments
Topic: Thoughts on buy and hold strategy
Replies: 57
Views: 2726

Re: Thoughts on buy and hold strategy

Read Dr Berstein's books
by 2beachcombers
Mon Apr 27, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25651

Re: IRS Get My Payment up and running

third day in a row i've tried, and again it keeps telling me the records dont match... the address isn't the problem because it gets me to the page where it asks for AGI and amount owed. i type in AGI as it is on line 7 and then amount owed as it is on line 22, no commas, etc. still says it doesn't...
by 2beachcombers
Sat Apr 25, 2020 6:53 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25651

Re: IRS Get My Payment up and running

Jas wrote: Sat Apr 25, 2020 6:21 am Finally was able to enter bank account information using 0 for tax refund. Apparently, bug was fixed overnight.
0 worked for me too------------------finally :dollar
by 2beachcombers
Fri Apr 24, 2020 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy With 2020 RMD's Waived
Replies: 14
Views: 1612

Re: Strategy With 2020 RMD's Waived

I have completed the ROTH conversion. Only considering the Dec withdrawal for your previous recommendation to cover 2020 taxes for those of us Who normally just pay our taxes with the RMD. I am also fortunate to have enough taxable to cover future issues. Thanks to IRAhelp forum, this forum and Dr. ...
by 2beachcombers
Fri Apr 24, 2020 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25651

Re: IRS Get My Payment up and running

A question: I receive SS via direct deposit and filed taxes 2018. Apparently they need bank info to deposit stimulus. On inputting my info a question seemed to hang things up: Q. Please indicate if you: a) received a tax refund b) made a tax payment I have done neither, it doesn't accept my situati...
by 2beachcombers
Fri Apr 24, 2020 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Strategy With 2020 RMD's Waived
Replies: 14
Views: 1612

Re: Strategy With 2020 RMD's Waived

I normally take my RMD at the end of the year and have taxes withheld at that time. The taxes amount usually amount to about 50% of the RMD. This year I've done a Roth conversion equal to the entire amount of the RMD and will pay quarterly estimated taxes instead of any RMD withholding. I expecting...
by 2beachcombers
Fri Apr 24, 2020 10:57 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25651

Re: IRS Get My Payment up and running

Update: I logged in today and it says they are mailing me a check. I am guessing this is b/c they had direct deposit info from 2018 but not 2019, when I was nothing owed/no refund. So today it did not even give me the option of direct deposit, but I'm not complaining. Same here. Filed this year wit...
by 2beachcombers
Fri Apr 24, 2020 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Strategy With 2020 RMD's Waived
Replies: 14
Views: 1612

Re: Strategy With 2020 RMD's Waived

The withholding replacement should come from your other non retirement account funds, such as a checking or savings account. Therefore, in order to do this you must have this money liquid and available. If you took the withholding replacement funds from another retirement account, that distribution...
by 2beachcombers
Fri Apr 24, 2020 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 5422

Re: Please Help Us Get Our Stimulus Payment

Finally today, I did not get the message: “Payment status not available”. Received a message to enter bank account info. Home free, I thought. WRONG! They wanted to know if I received a refund. Well, I overpaid and credited the overpayment toward next years taxes. I entered the amount I overpaid as...
by 2beachcombers
Wed Apr 22, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus check when taxes overpaid put towards 2020 quarterly.
Replies: 8
Views: 647

Re: Stimulus check when taxes overpaid put towards 2020 quarterly.

Same problems-no refund, no payment. One good note was conformation of payment eligibility after completing 1st page
by 2beachcombers
Wed Apr 22, 2020 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Strategy With 2020 RMD's Waived
Replies: 14
Views: 1612

Re: Strategy With 2020 RMD's Waived

I normally take my RMD at the end of the year and have taxes withheld at that time. The taxes amount usually amount to about 50% of the RMD. This year I've done a Roth conversion equal to the entire amount of the RMD and will pay quarterly estimated taxes instead of any RMD withholding. I expecting...
by 2beachcombers
Wed Apr 22, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25651

Re: IRS Get My Payment up and running

we owed 0 both years. Transfer account #s both. After first page--they verify I will get a payment. Get reject when I try to fill out second page and re=enter my account#s
by 2beachcombers
Mon Apr 20, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25651

Re: IRS Get My Payment up and running

I couldn't get it to work. I planned everything so we neither owed nor got a refund for 2019 and the page errs out. Will not allow neither refund nor balance due! Same here. Because we do Roth conversions yearly, I need to do quarterly estimates. So when I do taxes, I normally have a small overpaym...
by 2beachcombers
Sun Apr 19, 2020 11:58 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25651

Re: IRS Get My Payment up and running

My situation: For the past few years (2018&2019), I have used any refund to be applied to the next year tax. Our direct deposit info has been on the tax forms for 20yrs. A month ago I got a paper check from the IRS for $205(printed-12/2019 tax Refund), no letter of explanation. I assume they fou...
by 2beachcombers
Sat Apr 18, 2020 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 5422

Re: Please Help Us Get Our Stimulus Payment

I haven't received anything yet as well. Just looked. We get SS and will easily get the full amount. From what I understand, SS people will get it direct deposited just like a SS payment starting 4/17 and last about 5 days. (business days perhaps) If you get a paper SS check it will take longer. Th...
by 2beachcombers
Fri Apr 17, 2020 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25651

Re: IRS Get My Payment up and running

Osterix wrote: Fri Apr 17, 2020 4:31 pm I have filed my 2019 taxes and received my direct deposit refund.

Has anyone here with an AGI $140-$150k and filed 2019 taxes received their payment?

We plan to give ours to struggling family.
no !!!!!!!!!!!!!!
by 2beachcombers
Fri Apr 17, 2020 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25651

Re: IRS Get My Payment up and running

Getting the stimulus check is more difficult than buying a house. :oops: Web site for "get my check" does not recognize me or spouse or 2019 or 2018 information. :oops: IRs can not verify either my or spouse cell phone to verify my information. :oops: I was able to find out the the address...
by 2beachcombers
Sat Dec 07, 2019 11:46 am
Forum: Personal Investments
Topic: Suggestions for Roth investments
Replies: 19
Views: 1740

Re: Suggestions for Roth investments

We have small and large value, REIt, foreign small value and some small components used for rebalancing our taxables in Roths
VBR,FLCOX FSSNX, FREL,VSS
by 2beachcombers
Fri Dec 06, 2019 8:36 pm
Forum: Personal Investments
Topic: Investments- Bernstein's Ida AA
Replies: 11
Views: 787

Re: Investments- Bernstein's Ada AA

redundant edited
by 2beachcombers
Fri Dec 06, 2019 8:32 pm
Forum: Personal Investments
Topic: Investments- Bernstein's Ida AA
Replies: 11
Views: 787

Re: Investments- Bernstein's Ada AA

I don't have much to offer, but in my taxable account I don't automatically reinvest dividends and capital gains. This helps me rebalance from where I'm overweight to where I'm underweight. Also, I found that a donor advised fund helps get rid of capital gains. I plan on making large transfers to i...
by 2beachcombers
Fri Dec 06, 2019 8:23 pm
Forum: Personal Investments
Topic: Investments- Bernstein's Ida AA
Replies: 11
Views: 787

Re: Investments- Bernstein's Ada AA

I'm surprised this post was not addressed. I had to look all over the place for ada = (Assets Divided Between Retirement and Taxable Accounts) : oops: Sorry :oops: :oops: :oops: :oops: :oops: :oops: :oops: :oops: :oops: :oops: :oops: :oops: :oops: :oops: :oops: :oops: it's Ida(girls name-one of Ber...
by 2beachcombers
Fri Dec 06, 2019 8:17 pm
Forum: Personal Investments
Topic: Investments- Bernstein's Ida AA
Replies: 11
Views: 787

Re: Investments- Bernstein's Ada AA

I'd somewhat agree with pkcrafter in that you hold a lot of funds. However, since I've read all of William Bernstein's books, he is a self-admitted asset class junkie, so it's not surprising. With a spread sheet, and Fido, I look at it as simple ! Unless we have a downturn and some of your holdings...
by 2beachcombers
Fri Dec 06, 2019 8:16 pm
Forum: Personal Investments
Topic: Investments- Bernstein's Ida AA
Replies: 11
Views: 787

Re: Investments- Bernstein's Ada AA

double copy :?:
by 2beachcombers
Fri Dec 06, 2019 8:06 pm
Forum: Personal Investments
Topic: Investments- Bernstein's Ida AA
Replies: 11
Views: 787

Re: Investments- Bernstein's Ada AA

:oops: Don't know how to delete a redundant post? :?:
by 2beachcombers
Fri Dec 06, 2019 10:41 am
Forum: Personal Investments
Topic: Investments- Bernstein's Ida AA
Replies: 11
Views: 787

Investments- Bernstein's Ida AA

Retired since 2000. Bernstein's Ida AA since 2010. Pensions, RMD, SS, and Muni dividends > income requirements. Basically investing for heirs and charity. AA reduced from 80% to 50% equities over the past 10 yrs. Annual rebalancing mostly completed in deferred income. Have purposely underweigted Eur...
by 2beachcombers
Fri Jul 12, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 87
Views: 12215

Re: Paying cash for a vehicle

SQRT, MikeG, and others: I sometimes wish that this forum had a sub-forum the equivalent of an Amtrak Quiet Car for Consumer Issues. It, IMO, gets old to have the “more frugal than thou” dueling posts arrive the moment one discusses safety features, college and private school, housing, etc. I don’t...
by 2beachcombers
Fri Jul 12, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 87
Views: 12215

Re: Paying cash for a vehicle

Counterpoint. For the last 20 years of my work career, I bought all of my/our cars for cash. They were all new cars, consisting of higher end brands (BMW, Mercedes, Audi, Land Rover, Lexus). Paying cash did not give me pause. It is what it is. I did not want to pay interest on a loan. One time I ha...
by 2beachcombers
Thu Jul 11, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 87
Views: 12215

Re: Paying cash for a vehicle

Yesterday, I truly realized why Dave Ramsey says to pay cash for a vehicle. I was thinking about “upgrading” my 2003 Honda Pilot with 228,000 miles. Found a decked out 2011 Honda Pilot Touring for $10,990 with 149,000 miles. If I was focused on payments, it would have been easy to pull the trigger....
by 2beachcombers
Tue Jul 09, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 87
Views: 12215

Re: Paying cash for a vehicle

Yesterday, I truly realized why Dave Ramsey says to pay cash for a vehicle. I was thinking about “upgrading” my 2003 Honda Pilot with 228,000 miles. Found a decked out 2011 Honda Pilot Touring for $10,990 with 149,000 miles. If I was focused on payments, it would have been easy to pull the trigger....
by 2beachcombers
Tue Jul 09, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 87
Views: 12215

Re: Paying cash for a vehicle

Thanks for your experiences and the links.(half way thru the links). Have found I have a lot to learn about leases. I am also retired(20yrs) and always looking to eliminate any distractions to our lives. Will educate myself and feel Leasing will be in DW's future. MY 1999 SC400 will outlive me. Than...
by 2beachcombers
Mon Jul 08, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 87
Views: 12215

Re: Paying cash for a vehicle

Careful. Some people on this board apparently believe you’re driving around a tin can death trap with no safety features. Man you nailed it.....People always convince themselves that they need all the latest safety features and its an extremely overrated theory. Whatever happened to paying attentio...
by 2beachcombers
Mon Jul 08, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 87
Views: 12215

Re: Paying cash for a vehicle

Yesterday, I truly realized why Dave Ramsey says to pay cash for a vehicle. I was thinking about “upgrading” my 2003 Honda Pilot with 228,000 miles. Found a decked out 2011 Honda Pilot Touring for $10,990 with 149,000 miles. If I was focused on payments, it would have been easy to pull the trigger....
by 2beachcombers
Sat Jun 15, 2019 9:40 am
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 7439

Re: Do Fidelity Offices/Advisors Add Value?

All investments consolidated in FIDO in 2000. PAS customer for 5 years. With the help of education, books and this forum--- Have managed my own Bernstein(IDA) account for the the rest. My advisor adds value. His assistants handle complex transfer issues. I review my accounts with him once/yr. Phone ...
by 2beachcombers
Sat Jun 15, 2019 9:29 am
Forum: Investing - Theory, News & General
Topic: International index etf tax efficiency
Replies: 1
Views: 293

Re: International index etf tax efficiency

viewtopic.php?f=10&t=208818&p=4587512&h ... y#p4587512

The Ishares distribution 2018 report has the data you need for BlackRock
by 2beachcombers
Thu Mar 28, 2019 2:17 pm
Forum: Investing - Theory, News & General
Topic: Your thoughts on the teachings of Ed Slott
Replies: 56
Views: 7527

Re: Your thoughts on the teachings of Ed Slott

A married couple at RMD age would have a standard deduction $27k, allowing combined IRAs of around $700k. Not exactly peanuts. Then there is the 10% bracket allowing close to another $500k at a rate likely to be much lower than the one at which one would be doing the conversions. marcopolo, can you...
by 2beachcombers
Fri Mar 22, 2019 9:20 am
Forum: Personal Investments
Topic: Should I Keep or Sell my House/Financial Advice
Replies: 29
Views: 2262

Re: Should I Keep or Sell my House/Financial Advice

I sold a house in Vt. Split off half of the 25 acres(saved for my son). Sold the land after he finally realized he would not return to VT. Sold the land for almost the same price as the house 13 yrs later to the same people who bought the house(they had first refusal if ever sold) :D
by 2beachcombers
Fri Nov 02, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4471

Re: Struggling with Medicare Plan G vs Plan N

If you take a look at the AARP UHC Plan G increases over the past years the rate of increase is about 3% so it seems to be the case that it depends on the insurer. In the video I wonder where he got the numbers for the chart? MtnBiker--good point. I will research and get back So Far: Rate increases...
by 2beachcombers
Thu Nov 01, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4471

Re: Struggling with Medicare Plan G vs Plan N

If you take a look at the AARP UHC Plan G increases over the past years the rate of increase is about 3% so it seems to be the case that it depends on the insurer. In the video I wonder where he got the numbers for the chart? MtnBiker--good point. I will research and get back So Far: Rate increases...
by 2beachcombers
Thu Nov 01, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4471

Re: Struggling with Medicare Plan G vs Plan N

Would like your thoughts on N vs FHD and GHD. Before the video, I was considering FHD. This year, after Medicare Assignment and Payment(80%) Plan N paid a grand total of 70$ for Dr visits.(2 of us). We are heathy and take no meds. So it got me to thinking about FHD. I would save 1800$/yr premium as...
by 2beachcombers
Thu Nov 01, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4471

Re: Struggling with Medicare Plan G vs Plan N

This year, after Medicare Assignment and Payment(80%) Plan N paid a grand total of 70$ for Dr visits.(2 of us). We are heathy and take no meds. What did you decide to do for a Drug Plan if you take no meds? I am in the same situation at the moment. We take the lowest premium==In our case 14,50/mo,
by 2beachcombers
Wed Oct 31, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4471

Re: Struggling with Medicare Plan G vs Plan N

dm200 wrote: Wed Oct 31, 2018 4:09 pm
Many healthy people take MA for many years(8 in my case). Then have to go thru underwriting.
AGREE. Especially if no medication is in the picture. But I am fearful of the MA future deductible.
by 2beachcombers
Wed Oct 31, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4471

Re: Struggling with Medicare Plan G vs Plan N

the author of the video makes some good points about checking out Plan N, particularly since few providers don't take Medicare assignment. However, methinks he way over-sells the point about Guaranteed Issue. In fact, ALL of the plans available at that time are Guarantee Issue (GI) for every new 65...
by 2beachcombers
Wed Oct 31, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4471

Re: Struggling with Medicare Plan G vs Plan N

the author of the video makes some good points about checking out Plan N, particularly since few providers don't take Medicare assignment. However, methinks he way over-sells the point about Guaranteed Issue. In fact, ALL of the plans available at that time are Guarantee Issue (GI) for every new 65...
by 2beachcombers
Wed Oct 31, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4471

Re: Struggling with Medicare Plan G vs Plan N

the author of the video makes some good points about checking out Plan N, particularly since few providers don't take Medicare assignment. However, methinks he way over-sells the point about Guaranteed Issue. In fact, ALL of the plans available at that time are Guarantee Issue (GI) for every new 65...
by 2beachcombers
Wed Oct 31, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4471

Re: Struggling with Medicare Plan G vs Plan N

Another variable in this mess--When I talk with my 3rd party administrator, (the N policy I have (underwritten in 2018)), told me because the policy was underwritten, it is the same as issue date rated--ie--no increase in age, increase in inflation and potential individual Co. increases? I am not su...