Search found 271 matches

by coffeehubcap
Tue Dec 05, 2023 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard RMD Tax witholding
Replies: 13
Views: 2392

Re: Vanguard RMD Tax witholding

Not anymore. They took out the box option to select "do not withhold" on Federal. You can't even change the 10% or any other amount you want to withhold. I do estimated payments during the year and I want to withhold 0%. Who's running the ship at Vanguard. I'm getting tired of all the tweaks to a website that was perfect before they messed with it.
by coffeehubcap
Sat Dec 02, 2023 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard 529 web page-terrible
Replies: 21
Views: 2034

Re: Vanguard 529 web page-terrible

It doesn't do us any good to complain to one another. Vanguard is no longer what it used to be. It was a piece of cake to find what we were looking for, but not now. I spend more time trying to find what I want and it's a wild goose chase.

Have you noticed with other websites that we have to do all the work? It's menu after menu with no live person to talk to. Ask a question and maybe the menu has the right answer. The world is going NUTS.
by coffeehubcap
Sat Aug 12, 2023 2:54 pm
Forum: Investing - Theory, News & General
Topic: What motivated you to save money?
Replies: 232
Views: 28391

Re: What motivated you to save money?

My Grandfather was the richest man in town. He owned many grocery stores. When the depression came he helped people by giving free food. He lost his shirt. My mother was in private school and had to return home. When she married she had nothing and my father worked in the mills as a weaver. We weren't poor but we struggled. My parents taught me that hard work pays off and how to handle money. I never forgot. Now at 79 I don't have to worry about money.
by coffeehubcap
Mon Jun 26, 2023 10:31 am
Forum: Personal Investments
Topic: [Can I buy funds/stocks without going through the Vanguard settlement fund?]
Replies: 10
Views: 573

[Can I buy funds/stocks without going through the Vanguard settlement fund?]

[Thread merged into here from: Problems With Vanguard's Website [Unable to access tax Form 1099] --admin LadyGeek]

I have a MMF in my accts. Has anyone tried to buy funds/stocks from the MMF instead of having to go to the settlement fund first? If you want to buy a hot stock forget it. You have to put the money in the settlement fund and wait until they clear it for you to invest it. This isn't practical and Vanguard has lost it's mojo.
by coffeehubcap
Tue May 09, 2023 11:20 pm
Forum: Personal Consumer Issues
Topic: Prescriptions - new insurance, discount programs
Replies: 15
Views: 1396

Re: Prescriptions - new insurance, discount programs

It worked out well as a come-on. As far as refiling the Rx again. They bumped it up to $14 for a 3 month supply which I can get through to CVS Caremark which delivers my drugs and lets me know when it's time to refill my Rx. The price from Caremark was $20 for a 3 month supply.
by coffeehubcap
Fri May 05, 2023 4:06 pm
Forum: Personal Investments
Topic: [Can I buy funds/stocks without going through the Vanguard settlement fund?]
Replies: 10
Views: 573

[Can I buy funds/stocks without going through the Vanguard settlement fund?]

[Moved into a new thread from: Vanguard Customer Service Mega-thread --admin LadyGeek]

I'm not a day trader. But, what I resent having to sell to buy a stock with a MMF and can't complete the trade immediately. The money has to go to the settlement fund and I have to wait a day to buy a stock that's bounced back. I know put a limit price to buy and take my MMF out of my account and keep the settlement fund loaded so I can buy at a moments notice. Buy and sell was so easy prior to all the changes. It seems like everything is a 2 or 3 step process to buy stocks. I've been with Vanguard since 1978 and I'm not looking to go into a brokerage company.
by coffeehubcap
Sat Feb 25, 2023 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Settlement Fund How to replace it.
Replies: 28
Views: 10744

Re: Vanguard Settlement Fund How to replace it.

Once you click on banking from your screenshot go up to the menu bar and click on "banking". That's where I found the change settlement fund.
by coffeehubcap
Fri Feb 24, 2023 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Settlement Fund How to replace it.
Replies: 28
Views: 10744

Re: Vanguard Settlement Fund How to replace it.

Follow the instructions as he says but after click on the banking menu item in the bottom of the page I couldn't find it either. While in the banking menu I went up to the top and there is another banking or bank you click on and that's where a list of all the accounts that you can change the settlement fund.
by coffeehubcap
Mon Feb 20, 2023 9:32 am
Forum: Personal Investments
Topic: Best options to populate a Trust
Replies: 16
Views: 1590

Re: Best options to populate a Trust

It is a grantor trust. I'm 79 years old. I have VTSAX Total Stock Market Index Fund. I'm just trying to cut back on income taxes and looking for something other than stock investments. Every year I'm paying dividends on this as well as an RMD, Pension and SS. Through my RMD I do QCD's. I've also have most of my investments in a Roth accounts. I've been frugal all my life and live a modest life. Hope that clarifies my situation. Sorry to confuse you all.
by coffeehubcap
Sun Feb 19, 2023 4:22 pm
Forum: Personal Investments
Topic: Best options to populate a Trust
Replies: 16
Views: 1590

Re: Best options to populate a Trust

I have a revocable trust that will go to my beneficiaries. It's been growing for years and although I have an Index fund my tax liability is getting out of hand.
by coffeehubcap
Sun Feb 19, 2023 10:49 am
Forum: Personal Investments
Topic: Best options to populate a Trust
Replies: 16
Views: 1590

Best options to populate a Trust

Are growth stocks that don't pay dividends a good choice to populate a trust?
by coffeehubcap
Fri Feb 03, 2023 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Settlement Fund How to replace it.
Replies: 28
Views: 10744

Re: Vanguard Settlement Fund How to replace it.

All Vanguard brokerage accounts use the same settlement fund. You can't replace it. Vanguard's settlement fund is the Vanguard Federal Money Market Fund (VFMXX). You can't change that. Of course you can. Go to your Profile and select Banking, then Change My Settlement Fund. TheRealJohnDoe: My Banking menu does not have the Change My Settlement Fund option. I have a brokerage account. Are you on the old mutual funds platform? No, I have been on brokerage for a very long time. It could be that your account is only eligible for a single option for settlement fund, therefore no choice given. All my accounts (Brokerage, Roth IRA, and IRA) offer the choice of VMFXX (SPIC insured 4.3% SEC 7-day yield) or Cash Deposit (FDIC insured 3% APY). I was ...
by coffeehubcap
Thu Feb 02, 2023 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Settlement Fund How to replace it.
Replies: 28
Views: 10744

Re: Vanguard Settlement Fund How to replace it.

I want to get out of "Cash Deposit"" which is my settlement fund and go back to the Federal Fund.
by coffeehubcap
Thu Feb 02, 2023 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Settlement Fund How to replace it.
Replies: 28
Views: 10744

Re: Vanguard Settlement Fund How to replace it.

Vanguard also told me to go to profiles and find "change your settlement Fund". I did that as well.
by coffeehubcap
Thu Feb 02, 2023 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Settlement Fund How to replace it.
Replies: 28
Views: 10744

Re: Vanguard Settlement Fund How to replace it.

I've tried that. I'm in "Cash Reserve" and I want to replace it.
by coffeehubcap
Thu Feb 02, 2023 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Settlement Fund How to replace it.
Replies: 28
Views: 10744

Re: Vanguard Settlement Fund How to replace it.

I've tried that. I'm trying to get out of "Cash Reserves" and replace it.
by coffeehubcap
Thu Feb 02, 2023 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Settlement Fund How to replace it.
Replies: 28
Views: 10744

Vanguard Settlement Fund How to replace it.

Hi,
I've looked everywhere on the site on how to replace the settlement fund with another fund and I keep coming up with nothing or "sorry". I've also tried several things and still it's a no go situation. Anyone else have problems and if so, how did you resolve it?
by coffeehubcap
Fri Jan 27, 2023 12:52 pm
Forum: Personal Consumer Issues
Topic: washing machine replacemnt
Replies: 58
Views: 6005

Re: washing machine replacemnt

check out FIXIT CLINICS
by coffeehubcap
Fri Jan 27, 2023 11:03 am
Forum: Personal Consumer Issues
Topic: washing machine replacemnt
Replies: 58
Views: 6005

Re: washing machine replacemnt

NPR had an interesting show about repair/replace appliances 01/26/23 on A1 the 2nd hour. They suggested going for "reliability reports" instead of brand name.
by coffeehubcap
Sat Jan 07, 2023 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and extra RMD taken by mistake
Replies: 18
Views: 1497

Re: Vanguard, when to request corrected 1099-R

It will be available 1/9. Thanks for everyone who took the time to help. I love this website and all the helpful people.
by coffeehubcap
Sat Jan 07, 2023 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and extra RMD taken by mistake
Replies: 18
Views: 1497

Re: Vanguard, when to request corrected 1099-R

I understand. But on my tax form will it specify QCD and Rollover or just QCD? I think in TT they have a section to ask about rollovers and that might trigger another line where it will say rollover. I'll find out soon when I work my taxes.
by coffeehubcap
Sat Jan 07, 2023 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and extra RMD taken by mistake
Replies: 18
Views: 1497

Re: Vanguard, when to request corrected 1099-R

Doesn't QCD go on that line?
by coffeehubcap
Sat Jan 07, 2023 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and extra RMD taken by mistake
Replies: 18
Views: 1497

Vanguard, when to request corrected 1099-R

[Thread merged into here --admin LadyGeek]

Ok, I tried to get V to fix a Rollover before the 1099-R's came out. They said they couldn't because it was client issued.
When can I request a corrected 1099 and how long after that will it take Vanguard to get the corrected 1099 to me in order to amend my taxes?
by coffeehubcap
Wed Jan 04, 2023 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Home Security sensors
Replies: 2
Views: 346

Re: Home Security sensors

My sensors have double sided tape and silicone beading all around the sensors. I tried using a sharp knife/razor blade and hair dryer and it isn't an easy task.
by coffeehubcap
Tue Jan 03, 2023 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Home Security sensors
Replies: 2
Views: 346

Home Security sensors

I'm in the process of replacing my ADT security system with SimpliSafe. Once the ADT system is deactivated can I mount the new sensors in close proximity to where the old sensor is instead of trying to remove the deactivated sensor? ADT does a great job of mounting the sensors "permantetely". I don't want to destroy my house.

If I have to remove the old sensors can I use the old magnets with the new sensors, or do I have to remove that as well?

Any info would be helpful
by coffeehubcap
Tue Jan 03, 2023 11:17 am
Forum: Personal Investments
Topic: Trust, taxes for beneficiaries
Replies: 10
Views: 897

Re: Trust, taxes for beneficiaries

Thank you all for replying. I appreciate all the help. Happy New Year!!
by coffeehubcap
Mon Jan 02, 2023 10:59 am
Forum: Personal Consumer Issues
Topic: Prescriptions - new insurance, discount programs
Replies: 15
Views: 1396

Re: Prescriptions - new insurance, discount programs

I decided to check out Amazon Pharmacy. My wife and I take generic Lipitor (Atorvastatin) 20mg for her and 10mg for me. We each pay $6 for a 6 month supply. So far, that's the only drug we take that is cheap. If you check the drugs you take, on their website you might get a better deal. My Dr. didn't have a problem going 6 months since we've been on it for years.

I'm a Prime Member, but I'm not sure that's necessary to join the Pharmacy.
by coffeehubcap
Sun Jan 01, 2023 11:29 am
Forum: Personal Investments
Topic: Trust, taxes for beneficiaries
Replies: 10
Views: 897

Re: Trust, taxes for beneficiaries

OK, what kind of trust should it be in order to get step-up basis on a stock Index Fund?
by coffeehubcap
Sun Jan 01, 2023 11:13 am
Forum: Personal Investments
Topic: Trust, taxes for beneficiaries
Replies: 10
Views: 897

Trust, taxes for beneficiaries

I have a trust in a Vanguard taxable acct. The only fund is Total Stock Market Index. It's money I don't need. It's building up and my beneficiaries will end up paying taxes on the gains if they sell. I'm currently paying taxes on the the dividends.

Is there a better way to save them/me from paying taxes? Whatever is left in my IRA they'll have to liquidate within 10 years. I also have a large Roth that will be divided up. I'm thinking of starting to invest new money into in "no dividend" stocks which is more of a benefit to me to cut my taxes or just forget it and let it all ride.
by coffeehubcap
Fri Dec 23, 2022 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard and extra RMD taken by mistake
Replies: 18
Views: 1497

Re: Vanguard and extra RMD taken by mistake

Thanks RM
Your making my holiday much better. I've haven't done a rollover in many years.
by coffeehubcap
Fri Dec 23, 2022 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard and extra RMD taken by mistake
Replies: 18
Views: 1497

Re: Vanguard and extra RMD taken by mistake

The funds did leave Vanguard and went into my bank.
by coffeehubcap
Fri Dec 23, 2022 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard and extra RMD taken by mistake
Replies: 18
Views: 1497

Vanguard and extra RMD taken by mistake

I took my RMD twice by mistake. I went to the transaction where the funds hadn't been removed because it was during the weekend. I saw both transactions and a "cancel" next to one. I selected cancel thinking all is well. Vanguard processed my request 2 days after the weekend. They did send 2 RMD withdrawals to my bank. Talking to the "Retirement Team" I was told I could send the money back as a "rollover" and put it back into my IRA. I did that but I'm not convinced I'm in the clear. I thought a "rollover" was only used for IRA to IRA. My bank account isn't an IRA. I did what they told me and got confirmation that it was done. When I check my RMD it still shows 2 RMD distributions taken for 2022. I do...
by coffeehubcap
Sat Nov 12, 2022 9:53 am
Forum: Personal Consumer Issues
Topic: Toaster Oven
Replies: 44
Views: 3988

Re: Toaster Oven

Love my Breville. More expensive but well worth it. Well engineered, easy to use and clean. Love the black easy wipe interior and the light in the oven. I use this more than my oven.
by coffeehubcap
Fri Oct 07, 2022 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay a real estate agent 6% to sell my house?
Replies: 236
Views: 25483

Re: Should I pay a real estate agent 6% to sell my house?

When I sell my house I want a bidding war. I sold one house and paid 6% to the real estate agent who had to split the 6% with the company and it wasn't a bidding war. I had so many flyers that were taken and many people who showed and interest.
by coffeehubcap
Tue Oct 04, 2022 5:24 pm
Forum: Personal Consumer Issues
Topic: Vanguard website succumbs to "Fisher-Price" UI design
Replies: 847
Views: 116504

Re: Vanguard website succumbs to "Fisher-Price" UI design

At the end of the quarter I used to be able to go into balances and holding and highlight my entire account, copy it and paste into a word doc so I could print it out in a few pages. Now, it takes 14 pages to print. Has anyone found a way to do it with the fisher price design? Even if I print it out and reduce the size in landscape it still doesn't fit on a page. This really sucks. I don't really want to download it to spreadsheet or other apps. It was so easy with the old format.
by coffeehubcap
Tue Sep 13, 2022 10:44 am
Forum: Personal Consumer Issues
Topic: Comparing YouTube TV and Hulu
Replies: 41
Views: 4444

Re: Comparing YouTube TV and Hulu

While were on this subject. What's the best internet to go with? Does anyone have earthlink? Do people prefer internet cable or fiber optics internet?
by coffeehubcap
Mon Sep 12, 2022 10:51 am
Forum: Personal Consumer Issues
Topic: Comparing YouTube TV and Hulu
Replies: 41
Views: 4444

Re: Comparing YouTube TV and Hulu

I'd love to get rid of cable.

I'm with Spectrum and I want my regional sport teams. I wouldn't be able to get that with Youtube TV.

It's a jungle out there trying to figure out how to navigate the system. I wanted to go with fiber optics which is in my area but I've tried their website and hard as I try I'm not able to get to talk to a live person. Everything is menu driven by asking questions that they don't have an answer to my questions.

I'd buy my own DVR and probably Tivo but it appears that they've sold out to other companies and the technology has suffered. Everything is changing so rapidly that once I figure something out something new comes along. I found good info on Cnet and Clark.
by coffeehubcap
Fri Sep 09, 2022 10:06 am
Forum: Personal Consumer Issues
Topic: smoke detectors going off
Replies: 42
Views: 2891

Re: smoke detectors going off

I had this same problem and I thought I was resetting my circuit breaker but I wasn't. You have to push it all the way to the left then back to the right. The breaker hadn't been tripped and I thought it was faulty.
by coffeehubcap
Fri Sep 09, 2022 9:36 am
Forum: Personal Consumer Issues
Topic: smoke detectors going off
Replies: 42
Views: 2891

Re: smoke detectors going off

Reset your circuit breaker if they are house wired.
by coffeehubcap
Wed Aug 10, 2022 7:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website Changes-no Select Mutual Funds
Replies: 90
Views: 10543

Re: Vanguard Website Changes-no Select Mutual Funds

I guess your not 80 years old and started off with Vanguard in the late 70's. My wish is that they would've put out a beta version for us to comment on.
by coffeehubcap
Sun Aug 07, 2022 12:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard closing fund prices link is useless
Replies: 24
Views: 2628

Re: Vanguard closing fund prices link is useless

Yeh, I know it's asking for more trouble by switching. It's not just one page, it's the entire website. I'm too old for this stuff. To make matters worse, Morningstar has updated their website as well and that's been my go to instead of farting around with Vanguard. At least MS is workable for me.

I've contacted my recent guy at Vanguard and he says "no way to going back to the previous style website" You'd think they would've put out a beta version to get our reaction to what they were doing.
by coffeehubcap
Sun Aug 07, 2022 12:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard closing fund prices link is useless
Replies: 24
Views: 2628

Re: Vanguard closing fund prices link is useless

What about the authors on this site, don't they have some influence with Vanguard?

Does anyone have an easy roadmap to transfer everything to Fidelity, including pro's, con's and cost?
by coffeehubcap
Thu Aug 04, 2022 2:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website Changes-no Select Mutual Funds
Replies: 90
Views: 10543

Re: Vanguard Website Changes-no Select Mutual Funds

I did as well. He said he would teach me how to use the new website. I asked him why didn't they do a beta version first and get feedback on likes and dislikes.

I'd like to know what alternatives do we have by leaving Vanguard. It seems like Fidelity is the best choice.
by coffeehubcap
Sun Jul 31, 2022 11:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website Changes-no Select Mutual Funds
Replies: 90
Views: 10543

Re: Vanguard Website Changes-no Select Mutual Funds

Count me in. The new website is garbage. What if we start a poll and send it to Vanguard. Will it matter in getting back our old website? I feel trapped and at my age I'm not ready to look elsewhere. Vanguard works for us, right...like hell they do.
by coffeehubcap
Mon Jan 24, 2022 10:48 am
Forum: US Chapters
Topic: Happy 98th Birthday to Taylor Larimore 🎂🍰🎉🎊❤️🎁⭐️
Replies: 264
Views: 19646

Re: Happy 98th Birthday to Taylor Larimore 🎂🍰🎉🎊❤️🎁⭐️

HB Taylor,

You've been my guiding star for as long as I've been on this website. You deserve all the accolades on your special day. To all of us you are SPECIAL.

:beer :beer :beer :beer :beer :beer :beer
by coffeehubcap
Wed Sep 15, 2021 2:30 pm
Forum: Personal Investments
Topic: Vanguard, RMD's and Taxes
Replies: 26
Views: 3837

Re: Vanguard, RMD's and Taxes

Good point of which I forgot because I converted to Roth. I wondered why I was getting tagged for 2020 when I had been taking RMD's instead of paying est, tax. Thanks for jogging my memory, I need all the help I can get.
by coffeehubcap
Wed Sep 15, 2021 10:32 am
Forum: Personal Investments
Topic: Vanguard, RMD's and Taxes
Replies: 26
Views: 3837

Re: Vanguard, RMD's and Taxes

Saw this article in Kiplinger's

https://www.kiplinger.com/retirement/re ... ated-taxes

I'm long retired and I take my RMD in Dec. and pay my taxes with it. My only income during the year is SS and pension which I have taxes withheld. This year I got a penalty from the IRS because I didn't pay taxes through estimated taxes. According to the article from Kiplinger's I'm ok with what I'm doing and the IRS is wrong. Anyone else have problems with this?
by coffeehubcap
Sun Sep 12, 2021 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Was not converting to Roth a good idea?
Replies: 188
Views: 16283

Re: Was not converting to Roth a good idea?

I currently use savings, SS, or RMD.

Great idea about LTC being paid from Ira vs. Roth.

Thank you
by coffeehubcap
Sun Sep 12, 2021 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Was not converting to Roth a good idea?
Replies: 188
Views: 16283

Re: Was not converting to Roth a good idea?

I wish I hadn't put so much in my tIRA. I've been adding to Roth since it was available, and converting yearly to and using QCD's to get my RMD down but it's still at 1M. I have 3M in Roth and I'm 77. My Roth is mostly stocks and aggressive funds.

Should I change my Roth approach to less aggressive stocks and funds? Stay the course? Roth is going to be used as last resort, inheritance and charities.