Search found 194 matches

by LK2012
Wed Jul 04, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 94
Views: 6118

Re: Do We need health insurance??

I do understand that I am taking some risk by not having health insurance. I have found negotiating with the doctors to not be so bad so far. I am very familiar with some of the high cost cancer treatments. I am not sure they are really worth it? I really doubt wether any of some of these high cost...
by LK2012
Fri Jun 22, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: How do find a good doctor for chronic hives
Replies: 25
Views: 1350

Re: How do find a good doctor for chronic hives

If you can't find a good doctor by personal referrals, I like to use this site, because it includes actual patient reviews: https://www.ratemds.com/

Some of the other ratings use recommendations by other doctors, but I want to know the patient experience.
by LK2012
Mon Jun 04, 2018 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Gifting Long-Term Stocks to Family
Replies: 3
Views: 326

Re: Gifting Long-Term Stocks to Family

Possibly true in terms of Federal income tax, but they might owe State taxes on LTCG. Still, a very nice gift!
by LK2012
Tue May 15, 2018 10:50 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 10512

Re: Yes, I'm 89 all right!

Happy Birthday, Mr. Bogle! Hope you keep feeling better, and keep on writing!
by LK2012
Thu Apr 05, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Who uses Schwab and what are the up and downsides?
Replies: 41
Views: 3197

Re: Who uses Schwab and what are the up and downsides?

Wow, very high recommendations for Schwab. I have been thinking about using them, as there is an office nearby. Can anyone directly compare them to Fidelity?
by LK2012
Thu Feb 15, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Help with reporting Backdoor Roth on NJ State tax return
Replies: 8
Views: 847

Re: Help with reporting Backdoor Roth on NJ State tax return

Are you saying that with Turbo Tax NJ is trying to double-tax you on the $6500? Yes, NJ is weird. One of the frustrating things about NJ is that although you can have a Federal tax deduction for your contribution to a Traditional IRA, there is no State deduction permitted for contributions to a Trad...
by LK2012
Sun Feb 04, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Receiving trust money: tax issue
Replies: 4
Views: 731

Re: Receiving trust money: tax issue

Thanks for the responses. apparently your mother is the executor, so someone else has died? Depending on what happens over the next year and a half, you might well have a gain to recognize. The only thing I can think of that you can do between now and then to mitigate the tax impact is to opportuni...
by LK2012
Thu Feb 01, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 17712

Re: Dear wife quits job and now we are down to 1 income

Since my and DW Roth IRA are not fully funded for 2017 do you think I should completely fund? We have about 3.7k left to fund in both. With our tax return which should be a few thousands dollars should we fund our Roth IRA? I am thinking about funding our Roth IRA since contributions can be withdra...
by LK2012
Fri Jan 26, 2018 6:56 pm
Forum: Investing - Theory, News & General
Topic: OAKIX to close *immediately* (still open in retirement accounts)
Replies: 3
Views: 846

Re: OAKIX to close *immediately*

Thanks for the heads up. If you are interested in the fund, though, you can still invest in these ways: You can still invest if you are an existing Shareholder. Retirement plans are still open. You can open a new account if you do it directly with Oakmark. Ah... I missed that it could still be purc...
by LK2012
Fri Jan 26, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to Protect Assets Without a Prenup
Replies: 69
Views: 6686

Re: Ways to Protect Assets Without a Prenup

You seem pretty clear about wanting to keep separate assets, but you feel a pre-nup is unacceptable. You're not going to want to hear this, but here goes anyway. You can try to keep assets separate. But if your spouse-to-be will not be amenable to a pre-nup, keeping assets separate will cause proble...
by LK2012
Fri Jan 26, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: OAKIX to close *immediately* (still open in retirement accounts)
Replies: 3
Views: 846

Re: OAKIX to close *immediately*

Thanks for the heads up. If you are interested in the fund, though, you can still invest in these ways:

You can still invest if you are an existing Shareholder.

Retirement plans are still open.

You can open a new account if you do it directly with Oakmark.
by LK2012
Fri Jan 26, 2018 1:31 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 5025

Re: Happy Birthday, Taylor!

Happy Birthday, Taylor!!! I hope you had a great day! Enjoy every minute, they become more and more precious every day.
by LK2012
Wed Jan 24, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 9867

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I use my LG VX8300 flip phone which I've had since 2006. Works great.
by LK2012
Sat Jan 06, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard: No more buy/sell transactions in writing?
Replies: 31
Views: 2774

Re: Vanguard: No more buy/sell transactions in writing?

All financial institutions are moving toward all-electronic processes. For example, my credit union now actively discourages depositing checks by mail. Instead they want customers to use their smartphone app to photograph the check and deposit it electronically. Vanguard is no different. They're gr...
by LK2012
Sat Jan 06, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard: No more buy/sell transactions in writing?
Replies: 31
Views: 2774

Re: Vanguard: No more buy/sell transactions in writing?

The biggest issue this will create is with specific identification of mutual shares. The standard way to do this used to be to send Vanguard a letter identifying the shares to be sold. The online procedure with non-covered shares is to sell the non-covered shares online, and then to send Vanguard a...
by LK2012
Fri Dec 08, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Tax Gain Harvesting
Replies: 6
Views: 834

Re: Tax Gain Harvesting

Woops... Wash sale pertains to a loss not to gains so the step-up would be doable in 15% bracket.... Exactly. You sell and take the tax gain, then immediately buy back with re-set higher basis. If you do it right and stay below your threshold, you pay zero federal taxes on the long-term capital gai...
by LK2012
Fri Dec 08, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Should I file taxes w/o her?
Replies: 54
Views: 4313

Re: Should I file taxes w/o her?

I knew I wasn't going to get any sympathy but I wanted to see if there was a better way to avoid the high taxes. While our funds aren't in one pot, She has a golden heart and is extremely generous so I'll quit while I'm ahead, thank you! :happy Laughing -- good deal! Something similar happened to m...
by LK2012
Wed Dec 06, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 12927

Re: Price of haircut?

I'm a woman, short hair, get a haircut every 3-4 months, very high cost of living area - $65 plus $10 tip. It feels like a lot, and it's sure to go up after the New Year (like everything else). Plenty of places charge a lot more here, though. I like my stylist, and she adds a lot of texture to my ha...
by LK2012
Sat Dec 02, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Scammed by Enterprise Car Rental
Replies: 35
Views: 4724

Re: Scammed by Enterprise Car Rental

I would push back harder. Don't give up too easily. Email the corporate office, not the local branch, with specific details of your interaction with the branch. Let them know you feel that the branch was misleading and you expect a refund. You could pursue a credit card charge back, but it may not ...
by LK2012
Wed Nov 29, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 13613

Re: H&R Block Software

F150HD wrote:
Wed Nov 29, 2017 7:40 pm
LK2012 wrote:
Wed Nov 29, 2017 7:01 pm


It looks like you can update the software online as things change over time, no?
Yes. It prompts when you open the program as well.

Image
Great, thank you!
by LK2012
Wed Nov 29, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 13613

Re: H&R Block Software

And keep in mind that December releases from software vendors are horribly buggy. Often there are forms missing that get added later. Tax software usually gets reasonably stable by mid-late March. By then, enough eager beavers have banged their heads on brick walls, wailed at the moon and complaine...
by LK2012
Wed Nov 29, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 13613

Re: H&R Block Software

I bought the CD version. They are sold out, but will send it when available. I guess they sold a lot of them today.
by LK2012
Wed Nov 29, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 13613

Re: H&R Block Software

Sounds like a few hit this today, price dropped to $19.99 https://www.amazon.com/gp/product/B075XZZQ4D/ref=ox_sc_act_title_1?smid=A3ODHND3J0WMC8&th=1 Yes, I bought it today. Got it previously for 2016 for same price, but not until February 2017. I appreciate the heads up, and cannot recall a lower ...
by LK2012
Wed Nov 29, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 6699

Re: When to tell the SO about my financial situation?

My mom always preached to me don't *ever* let people know you/we have money, they will treat you differently. I didn't listen and sometimes would disclose things to 1 or 2 people I held closest to me, and I got burned every time. People just treat you differently when they know you come from or hav...
by LK2012
Sun Nov 26, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Roth Error
Replies: 1
Views: 359

Re: Vanguard Roth Error

Call them tomorrow, and they should be able to correct the error.
by LK2012
Sun Nov 26, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 6767

Re: Etiquette question: Paying for meals out & out of town guests

It just isn't appreciated when you get voluntold to do something that isn't your plan. I love this term - "voluntold" - and for me, that is the crux of the matter. Yes, there was obvious miscommunication in the OP's case, in that it was reasonable to think the guests were offering to pay, and frust...
by LK2012
Tue Nov 14, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 287
Views: 47412

Re: How to Get Stock Quotes Into Excel

Next, I will have to see if I have the unload/load problem with refreshing. I didn't have that problem with the RCH version. (If so, my next step will be learning how to create a macro). Anyway, thanks again. I'm thrilled to get this working! :beer Congrats. The other advantage I've found with smfG...
by LK2012
Mon Nov 13, 2017 11:01 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 287
Views: 47412

Re: How to Get Stock Quotes Into Excel

I just switched TO the SMF Add-in. I had never used it until a week ago. The smfGetYahooPortfolioView still works to load prices and price changes (and ~90 other fields if you want), and works much faster than the ticker by ticker Excel webservice to Yahoo functions that I used to use. The quirks o...
by LK2012
Sun Nov 12, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 287
Views: 47412

Re: How to Get Stock Quotes Into Excel

I've already been through the change from MSN Money to Yahoo SMF Add-in, and now this ... very nice to have a workaround so quickly. I just switched TO the SMF Add-in. I had never used it until a week ago. The smfGetYahooPortfolioView still works to load prices and price changes (and ~90 other fiel...
by LK2012
Sun Nov 12, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 2306

Re: Use or Lose $850 from Limited Expense FSA

I would think about an extra pair of prescription eyeglasses - go for gold with the frames, coatings, don't economize for once! At least you can use them, and you'll have the frames for the future if your prescription changes. And you can try to anticipate future root canal work, but the uncertainti...
by LK2012
Sun Nov 12, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 287
Views: 47412

Re: How to Get Stock Quotes Into Excel

It died on 11/1. I now get my stock quotes like this: - set up a portfolio of all my stocks in Yahoo Finance and bookmark it - every time I open the bookmarked page, I see a list of my stocks, prices, volumes, etc. - click download to excel, an excel page opens with all my stock quotes - copy and p...
by LK2012
Wed Nov 01, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate 0.10% [November rate announced]
Replies: 31
Views: 5067

Re: I Bond fixed rate 0.10%

I Bond Composite Rate of 2.58% includes a Fixed Rate of 0.10% Series EE to Earn 0.10% https://treasurydirect.gov/news/pressroom/pressroom_comeeandi1117.htm Thank you! That's higher than 5-year CD rates right now (https://www.depositaccounts.com/cd/5-year-cd-rates.html). It's great to have any Fixed...
by LK2012
Tue Oct 31, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: How to get a second job?
Replies: 11
Views: 1511

Re: How to get a second job?

A lot of people I work with have second (and third) jobs. My employer requires us to report any outside employment, and have it approved before taking on the second job to make sure there are no conflicts of interest. It is not usually a big deal to get approved. However, not everyone complies with ...
by LK2012
Mon Oct 30, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: 401k beneficiary - whether or not to designate
Replies: 14
Views: 1184

Re: 401k beneficiary - whether or not to designate

What you have outlined will not work and I recall there is a Five-year rule to watch out for if you make the estate the beneficiary. I think what you are looking for is to name all beneficiaries on the beneficiary designation. Then they can all roll to inherited IRA's and have RMD based on their in...
by LK2012
Sat Oct 28, 2017 4:34 pm
Forum: Investing - Theory, News & General
Topic: Emotional impact of spending down assets?
Replies: 100
Views: 11958

Re: Emotional impact of spending down assets?

I'm still sorting out my reactions to vested1 's response. For an illiterate woman born to indentured servants in Poland in the 19th century a clean bed and regular meals would pretty much qualify as heaven. Moving up to the current era, my wife and I both have 90 year old mothers who insist on liv...
by LK2012
Thu Oct 26, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: RMD from IRA in year of death
Replies: 18
Views: 1886

Re: RMD from IRA in year of death

I guess it should be obvious at this point that you should consult an Estate and/or Tax Attorney who could give you a real answer to your question.
by LK2012
Sun Oct 15, 2017 3:11 pm
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 40
Views: 7140

New I Bond Variable Rate for November 2017 - 2.48%

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

According to seekingalpha.com Tipswatch, the New I Bond Variable Rate for November 2017 will be 2.48%.

https://seekingalpha.com/article/411337 ... 48-percent
by LK2012
Sat Aug 19, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 57
Views: 13208

Re: I'm Giving Up Golf

I'll quit playing when they pry the clubs from my cold, dead hands. :twisted: Reminds me of my dad. Bedridden with cancer all over his body in hospice, I remember about 3 weeks before he passed away, he took his imaginary grip and made a little waggle movement and said "If I could have just fixed m...
by LK2012
Sat Aug 19, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 10786

Re: IBonds: My worst bond investment over the last 5 years

I like to look at the actual cash gain, myself. Easy enough to check the numbers on https://www.treasurydirect.gov/BC/SBCPrice If you bought a $5,000 I-Bond in August 2012, it would be worth $5,364 today. $ 364/ $5,000 = 0.0728 0.0728 / 5 (years) = 0.1456 Your investment has returned 1.456% Plus, yo...
by LK2012
Tue Jul 18, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity interest rates
Replies: 20
Views: 3137

Re: Fidelity interest rates

I use Fidelity as my main checking account and generally have one month or less of expenses there. In my cash management account I use SPRXX -- Fidelity Money Market. The current yield is 0.96%. . Hmm, so if I put my entire cash management account (which is sitting in cash) into SPRXX, when I write...
by LK2012
Tue Jul 18, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity interest rates
Replies: 20
Views: 3137

Re: Fidelity interest rates

I use Fidelity as my main checking account and generally have one month or less of expenses there. In my cash management account I use SPRXX -- Fidelity Money Market. The current yield is 0.96%. . Hmm, so if I put my entire cash management account (which is sitting in cash) into SPRXX, when I write...
by LK2012
Thu Jun 22, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 26247

Re: Siblings in disagreement over mom's house.

Great news that you are getting insurance - it sounds like you (and the other sellers?) are bearing the cost alone, or are you going to bill the keepers for their share? It seems clear that you want out, and I don't blame you. Very positive steps you've taken so far. One possible path ahead of you, ...
by LK2012
Sat Jun 17, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Family Death in PA
Replies: 19
Views: 2400

Re: Family Death in MD

This could be complicated if you do not find an actual will and the assets must be distributed based on intestacy in MD. If your father did not formally adopt his "step-children," they may have no claim to any assets. Consulting an attorney is a must.
by LK2012
Sat Jun 17, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Family Death in PA
Replies: 19
Views: 2400

Re: Family Death in MD

Condolences on the loss of your parents in such rapid succession. This sounds like a difficult situation to be dealing with at the same time that you are going through a sudden loss so quickly after the loss of your mother.
by LK2012
Sat Jun 17, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Family Death in PA
Replies: 19
Views: 2400

Re: Family Death in MD

One thing people often overlook is that significant assets may be in retirement accounts, i.e., IRA's, that have designated beneficiaries. This designation supersedes a will. Most assets can pass outside the will in this way. Also, bank and investment accounts can be designated as transfer-on-death ...
by LK2012
Wed Jun 07, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: NJ Teacher Lost with 403bs
Replies: 30
Views: 4622

Re: NJ Teacher Lost with 403bs

In NJ, consider a Roth IRA even if the traditional IRA would be deductible; NJ does not allow state tax deductions on traditional IRAs. (Likewise, you might consider a Roth 403(b) if your plan offers it; NJ does not allow state tax deductions on traditional 403(b) plans.) Great point, and it can re...
by LK2012
Tue May 23, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 14501

Re: Zacks says sell Wellesley!?

Very happy with Wellesley in a portion of my retirement investments. Very reliable over the long haul.
by LK2012
Wed Mar 29, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Stock spinoff tax reporting
Replies: 11
Views: 1272

Re: Stock spinoff tax reporting

You can also consult CostBasis.com which has a stock spinoff calculator. If you look at the drop down menu for Name of Stock Received in Spinoff, you will see Telesits, and America Movil is also listed in the corresponding Name of original stock. http://www.costbasistools.com/spinoff/calculator.php
by LK2012
Thu Feb 16, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 7790

Re: Closed my Roth IRA due to political uncertainty - mistake???

... The OP said there were no earnings - that the amount in his account was less than what he contributed. Therefore there would be no tax/penalty. That may be true, but I think people posting are trying to make the point that the OP still should make sure this was designated a rollover rather than...