Search found 255 matches

by maywood
Wed Apr 24, 2019 3:50 pm
Forum: Personal Investments
Topic: Donor Advisor Fund how much and when to start?
Replies: 17
Views: 1112

Re: Donor Advisor Fund how much and when to start?

One idea might be to pair a largish Roth conversion with a similar amount to the donor advised fund, so that they somewhat cancel each other out, with the goal of staying at the top of a low tax bracket. Donating appreciated stock/funds is great, but keep in mind the deductibility limits. I believe ...
by maywood
Thu Apr 04, 2019 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Scholarship trigger Kiddie tax and AMT for kid?
Replies: 14
Views: 1126

Re: Scholarship trigger Kiddie tax and AMT for kid?

>Thus the scholarship is earned income and not subject to the kiddie tax but only to the regular tax. I understand your logic; however, just because something is reported on the wages line doesn't mean it's earned income. See Sch 8615 instructions: For Form 8615, “unearned income” includes all taxab...
by maywood
Fri Mar 29, 2019 6:33 pm
Forum: Personal Investments
Topic: Would you keep or sell EE bonds?
Replies: 9
Views: 837

Re: Would you keep or sell EE bonds?

What is the issue year on the bonds? Just making sure you are aware that in most cases they get a large step-up in value when they reach face value. It sounds like you are aware. For most of mine, I'm waiting until they double (reach face value) and then cashing in. Most of mine are 2001-2002 so rat...
by maywood
Fri Mar 15, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Another Can I Retire Question
Replies: 27
Views: 2875

Re: Another Can I Retire Question

>What's your daughter think about uprooting from her school and friends and moving someplace where she'd have to start over again with a funny Northern accent and nobody she has history with? Your daughter should be your primary consideration. My family moved (father was transferred) when I was 15 a...
by maywood
Mon Mar 11, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Question on taxation of ISO gain - Unusual situation [Incentive Stock Option]
Replies: 6
Views: 327

Re: Question on taxation of ISO gain - Unusual situation [Incentive Stock Option]

Ask your question on the Equity Compensation subforum of the fairmark.com forum. Should be experts there who can answer your question. The site's founder, Mr. Kaye Thomas, also has an excellent book "Consider Your Options". You may also find your answer in the "Equity Compensation" of the online gui...
by maywood
Tue Oct 16, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 14443

Re: Savings Bond Wizard replacement is available

Hmm, worst case you could email your savings bond wizard files to someone who still has the wizard, and they could export and email you the exported file back. I think I still have my wizard installed.

maywood
by maywood
Sat Jun 09, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 71
Views: 18354

Re: Savings Bond Wizard to be eliminated 5/18

Mitchell777, try clearing your browser history. Here is some info I posted in the other saving bond thread: I have several different bond lists/files, one for me, one for each child and one for parents. Figured out (with tip in the instructions) that you have to delete your browsing history every ti...
by maywood
Sat Jun 09, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Bond Wizard replacement is available
Replies: 28
Views: 14443

Re: Savings Bond Wizard replacement is available

BMW, maybe I can help your problem. I also have several different bond lists/files, one for me, one for each child and one for parents. Figured out (with tip in the instructions) that you have to delete your browsing history every time you open up a different file/set of bonds. It's a pain but it wo...
by maywood
Sun May 20, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 14967

Re: Helping Adult Children (but not too much)

When my kids were younger, I thought we should never buy them a car, but I've since changed my mind. To summarize, I think it depends on the child, and also whether of course parents can help. If the child is just going to blow the extra money, then definitely not, but if they are responsible and sa...
by maywood
Fri Feb 02, 2018 9:37 pm
Forum: Personal Investments
Topic: I BONDS Maturing in 2030
Replies: 42
Views: 3790

Re: I BONDS Maturing in 2030

wassabi, There are two methods of declaring interest. You can declare the interest earned each year, OR you can defer all interest until the bonds are cashed. All of your bonds have to use the same method. It is possible to switch methods, as discussed above-. Most people choose to defer interest. I...
by maywood
Thu Feb 01, 2018 9:39 pm
Forum: Personal Investments
Topic: I BONDS Maturing in 2030
Replies: 42
Views: 3790

Re: I BONDS Maturing in 2030

Here's the information regarding the number of years it takes to reach face value (double in value). This applies to EE bonds only. Be careful not to cash too soon if you can help it! For EE Bonds with issue dates from May 1, 1997 through May 1, 2003, original maturity is 17 years after the issue da...
by maywood
Thu Feb 01, 2018 5:54 pm
Forum: Personal Investments
Topic: I BONDS Maturing in 2030
Replies: 42
Views: 3790

Re: I BONDS Maturing in 2030

I'm going to have a very similar situation. My husband and I have a mix of EE and I bonds starting from 2001. Since my EE bonds double after 17 years and then I think the rate is fairly low, I'm going to start cashing some in this fall when the first batch hits 17 years. I'm going to try to stay in ...
by maywood
Mon Jan 01, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: Savings Bond Wizard to be eliminated 5/18
Replies: 71
Views: 18354

Re: Savings Bond Wizard to be eliminated 5/18

Thank you for bringing this to our attention. I'm sorry to hear this as the Wizard works great for me, I've been using it for over 15 years and have over 400 bonds entered, including serial numbers. I'm not familiar with the online savings bond calculator so I will have to play with that. I've also ...
by maywood
Mon Nov 13, 2017 8:40 pm
Forum: Investing - Theory, News & General
Topic: PurePoint Savings 1.40% Rate
Replies: 2
Views: 766

Re: PurePoint Savings 1.40% Rate

I just saw my email from them!
by maywood
Wed Oct 25, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 36507

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Lynette, I had the same problem until my husband pointed out to me that it is a screw-on top, not pull off top. Just wanted to mention that in case you were trying to just pull it off.
by maywood
Wed Oct 25, 2017 7:47 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 36507

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

The cup holder thing is really nice. I love the (apparently Vanguard-designed) Boglehead nautical theme. I found that when putting the rubber ring on it like you are supposed to to drink a can of something, that doesn't work since there's not enough height remaining at the top of the can to get your...
by maywood
Sat Sep 16, 2017 6:43 pm
Forum: US Chapters
Topic: Do we have a Dallas Chapter?
Replies: 2
Views: 1098

Re: Do we have a Dallas Chapter?

Yes, we have an active Dallas/Fort Worth group. We have anywhere from 2 - 12 people meet each month. There's a rare month here and there where no one can make it. We meet once a month in Irving as the previous poster stated. The name of the yahoo group is dfwdiehards. See if you can join the yahoo g...
by maywood
Sat Jul 29, 2017 11:47 am
Forum: Personal Investments
Topic: Finding a good tech-oriented tax advisor
Replies: 7
Views: 1012

Re: Finding a good tech-oriented tax advisor

We were able to avoid any pitfalls because I made sure I understood how the AMT works before we exercised any options that were in the money by a good amount. Many of them we were able to exercise years before as soon as they vested, when they were still worth very little. I just read of others havi...
by maywood
Sat Jul 29, 2017 10:21 am
Forum: Personal Investments
Topic: Finding a good tech-oriented tax advisor
Replies: 7
Views: 1012

Re: Finding a good tech-oriented tax advisor

I would recommend heading over to the fairmark.com website and going to the Forum "AMT and Equity Compensation". The owner of the board, Kaye Thomas, who is a tax attorney, and the other readers there should be able to answer any questions. I would also recommend Mr. Thomas' book Consider Your Optio...
by maywood
Thu Jun 08, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: GS Bank raised rate to 1.20%
Replies: 30
Views: 6860

Re: GS Bank raised rate to 1.20%

I already have a GSbank account. I had some new money from two muni bonds that got called. Saw the higher rate at Purepoint. Just spent the last 2 weeks opening a Purepoint account, transferring some initial money from Vanguard to my Chase bank then to Purepoint, setting up link to Vanguard and wait...
by maywood
Thu May 18, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 34
Views: 6791

Re: IRS says I owe..I don't

>I've had a couple of these over the past decade (not for this precise discrepancy) and I've just sent a very detailed and comprehensive cover letter and all the requested documentation. It's always been fine. The first one was stressful only because it's the IRS -- not because of any wrongdoing. By...
by maywood
Mon Feb 13, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 52
Views: 21348

Re: Insane Bloodwork Cost (Quest Diagnostic)

We have bloodwork done through Quest Diagnostics all the time - for thyroid and other tests. The negotiated discount is approx. 90% - for example, on a recent EOB - the price was $798 and the "repriced" amount was $82. It fell under the deductible so we paid the $82. They are always quite reasonable...
by maywood
Thu Jan 05, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: changes for inherited IRAs for non-spousal beneficiaries
Replies: 3
Views: 1150

Re: changes for inherited IRAs for non-spousal beneficiaries

I found this information: https://www.jct.gov/publications.html?func=startdown&id=4959 So sounds like the first 450,000 (date of death value) would follow the old rules. Only the amount above 450,000 would follow the new rules. if there is more than one beneficiary, seems like the 450,000 exemption ...
by maywood
Sat Nov 05, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: small business ACA plans
Replies: 1
Views: 581

small business ACA plans

Has anyone tried to get quotes for small business ACA plans? I am a paralegal, my boss is an attorney (sole proprietorship) and we are looking into getting a small business health care plan to get access to PPOS for our respective families. The Texas individual ACA plans are all HMOs, except there a...
by maywood
Fri Jul 15, 2016 8:05 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 58960

Re: [Fidelity drops AmEx, Bank of America credit cards]

>And when I go to pay my balance at FIA, they won't let me pay the full amount: the "Bill Pay Choice" (which I have never used before, since I have been on Autopay since I got the card) lists my balance to be paid as more than $1000 less than what my account page says my balance is. Did you access y...
by maywood
Wed Jul 13, 2016 6:40 am
Forum: Personal Finance (Not Investing)
Topic: New Fidelity Visa: How to Log In?
Replies: 17
Views: 5364

Re: New Fidelity Visa: How to Log In?

I just set up an account through Elan's website myaccountaccess and it worked like a charm. Thanks!
The fidelityrewards.com website is useless because there does not seem to be a way to create a new login. Or at least I couldn't figure out how to.
maywood
by maywood
Sun May 22, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 4495

Re: Still double checking bank checkbook math?

I always balance the checkbook to the bank statement every month, the old fashioned way. I don't do it to catch bank errors, but rather to make a note of uncleared checks. Then I can find out why the person never got/cashed the check.
by maywood
Sat Oct 31, 2015 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 110% Amazon Tax Refund Bonus
Replies: 26
Views: 6350

Re: Turbo Tax 110% Amazon Tax Refund Bonus

Does anyone know if the 10% TurboTax /Amazon gift card bonus will be available again for the 2015 tax filing season?
by maywood
Thu Jun 18, 2015 7:55 am
Forum: US Chapters
Topic: What kind of people show up at a Bogleheads chapter meeting?
Replies: 5
Views: 3691

Re: What kind of people show up at a Bogleheads chapter meeting?

We had 10 people show up at the recent Dallas/Ft. Worth group. We are a diverse group but united by our interest in discussing all things finance related. >We had a new guy show up but unfortunately he never found us in the restaurant. We have a yahoo group where each month people post who can or ca...
by maywood
Tue May 26, 2015 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Patient-Ordered Medical (Genetic) Tests
Replies: 20
Views: 2601

Re: Patient-Ordered Medical (Genetic) Tests

I just checked 23andme.com, and unfortunately they no longer offer health info to new customers: https://customercare.23andme.com/hc/en-us/articles/202907470-What-information-will-I-find-in-the-Health-and-Traits-section-of-my-23andMe-account- My mom recently told me that she has a defective gene (Fa...
by maywood
Wed Apr 15, 2015 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 14787

Re: Major issues with new HSABank.com website

It's April 15 and HSAbank's March statement is still not available on the website.
by maywood
Sun Apr 05, 2015 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 95
Views: 14476

Re: Vanguard brokerage tax forms changed to late Feb. questi

I got a revised 1099 in the mail last week dated March 27. From what I can figure out, the only difference is the addition of a "D" code in box 1f of a 1099-B.
by maywood
Tue Mar 17, 2015 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 95
Views: 14476

Re: Vanguard brokerage tax forms changed to late Feb. questi

My consolidated 1099 for the brokerage account was available online yesterday.
by maywood
Mon Mar 16, 2015 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 44
Views: 5065

Re: Vanguard Brokerage 1099 Available

My Consolidated 1099 is available. I've never been so excited to see a tax form before!
by maywood
Sun Mar 08, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: Anyone fans of the CNBC show American Greed???
Replies: 32
Views: 4058

Re: Anyone fans of the CNBC show American Greed???

Yes. My favorite episode is Shawn Merriman: The Mormon Madoff. I've still got that one on my DVR.
by maywood
Sat Mar 07, 2015 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 44
Views: 5065

Re: Vanguard Brokerage 1099 Available

My form is not available yet .
by maywood
Sat Mar 07, 2015 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 95
Views: 14476

Re: Vanguard brokerage tax forms changed to late Feb. questi

I don't mind them being late, but I am annoyed that is says my brokerage 1099 is available when it's not. I would just like to know when it will be available so I can plan when to work on my taxes.
by maywood
Sun Mar 01, 2015 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 14787

Re: Major issues with new HSABank.com website

Oh, that makes sense now, thanks!
by maywood
Sun Mar 01, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 14787

Re: Major issues with new HSABank.com website

>You do not get a 1099-SA if you only made contributions.

OK but I believe I should have gotten form 5498-SA for making the contribution. I used to get those every year from my prior HSA custodian.
by maywood
Sat Feb 28, 2015 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 14787

Re: Major issues with new HSABank.com website

I see the same 3 account summaries but no tax statements. In 2014, I made a contribution, did a rollover from another account, but took no distributions . Maybe I don't get a tax statement for making the annual contribution?
by maywood
Sat Feb 28, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 14787

Re: Major issues with new HSABank.com website

Anyone using HSABank get a tax statement for 2014? On the website, I can only bring up statements for Nov & Dec 2014 and Jan 2015. Nothing I can print out to show my contribution made back in April 2015. No tax statement was mailed and nothing shows up on website. So frustrating!

Maywood
by maywood
Thu Jan 22, 2015 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 58000

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Interesting! Looks like you can't apply for the refund until you actually file your taxes. And sounds like next year you will still have to buy Premier to use schedule D, so the $25 is a one-time thing.
by maywood
Sat Jan 10, 2015 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Donor Advised Fund
Replies: 50
Views: 7289

Re: Fidelity Donor Advised Fund

Very easy if it's a well known charity, one already on their list. If not on their list already, it may take a few days or longer to process. Once I tried to donate to my local school, they sent a letter to the school to get some additional information and it got held up over a holiday so that one t...
by maywood
Wed Jan 07, 2015 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 52
Views: 13657

Re: Best Online Savings bank

Yay, I called GECapitalbank and they helped me figure out how to open a second account under my login. So I'm all set now. I'm very happy with GECapital Bank so far.
by maywood
Tue Jan 06, 2015 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 52
Views: 13657

Re: Best Online Savings bank

Has anyone figured out how to open a second subaccount with their GECapitalBank account? I was able to do that with ING Direct and Virtual Bank. I logged in, didn't see any way to do it, so clicked on "open an account" while I was logged in and filled out the info again. I did not fund the 2nd accou...
by maywood
Sun Jan 04, 2015 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 58000

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Kevin,

Thanks for that info! I'll try that next year.
by maywood
Sun Jan 04, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: Paper Statements
Replies: 68
Views: 5641

Re: Paper Statements

No, you're not the only one. I prefer to receive one annual statement in paper form for my files.
by maywood
Sun Jan 04, 2015 8:00 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 58000

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I like to have the desktop version with the disk so if I ever need to reinstall a year or two from now, I can. Sam's club had Premier for $55 so I went ahead and got that. I haven't sold anything in 2014 but a muni bond matured so I will need the Schedule D.
by maywood
Tue Dec 30, 2014 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 52
Views: 13657

Re: Best Online Savings bank

Just verified my external account linked to my new GE Capital account. Only minor beef I have is the way the small deposits were entered. On the page entering the deposits, they gave an example "0.XX" so I entered a leading ''0" before the decimal point. But it kept saying my deposits were invalid. ...
by maywood
Sun Dec 28, 2014 12:03 pm
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 72
Views: 11712

Re: Appalachian Trail thru-hike in retirement?

Not to answer your question, but on a related note, I just started reading A Walk in the Woods.