Search found 702 matches

by mur44
Sun Feb 21, 2021 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Missed Filing Form 8606 for ROTH Conversion
Replies: 4
Views: 490

Re: Missed Filing Form 8606 for ROTH Conversion

I kept a copy of the forms that I mailed. I posted my
return via US Mail.

Do you think I need to send 1040-X?

Thanks a lot for your response
by mur44
Sun Feb 21, 2021 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Missed Filing Form 8606 for ROTH Conversion
Replies: 4
Views: 490

Missed Filing Form 8606 for ROTH Conversion

When I filed 2019 Federal Tax return, Turbotax did NOT print form
8606, even though I filled it. I converted IRA to ROTH during
2019.

How do I submit form 8606 for the tax year 2019?
Any input would be greatly appreciated.
by mur44
Wed Dec 09, 2020 1:11 pm
Forum: Personal Investments
Topic: Vanguard's 2020 capital gains estimates
Replies: 67
Views: 9340

Re: Vanguard's 2020 capital gains estimates

Vanguard gave December 9th 2020 when updated Capital Gains
numbers would be available.

Did anyone see the numbers?
by mur44
Thu Nov 26, 2020 8:34 am
Forum: Investing - Theory, News & General
Topic: VGD 2020 Estimated Year-End Distributions
Replies: 2
Views: 346

VGD 2020 Estimated Year-End Distributions

I am wondering when Vanguard would give estimated year-end distribution numbers for Admiral and Investor
class. I see mostly Institutional class estimates.

The information is useful in IRA conversion planning.

Any input would be greatly appreciated.
by mur44
Thu Nov 05, 2020 3:43 pm
Forum: Investing - Theory, News & General
Topic: Changes to Vanguard
Replies: 78
Views: 6266

Re: Changes to Vanguard

I chose to retain my old traditional Mutual Fund Account.
I called Vanguard and told them that I wanted to keep
the old style account, which is what I have today. FWIW
by mur44
Thu Oct 22, 2020 7:53 am
Forum: Personal Finance (Not Investing)
Topic: do doctors/hospitals HATE Medicare Advantage (as payers)
Replies: 126
Views: 10980

Re: do doctors/hospitals HATE Medicare Advantage (as payers)

Medicare + Medigap "G" is Gold Standard. If you could afford the
Medigap premium, just stick with it.

I worked as Volunteer Medicare Counselor in the State of New Jersey.
by mur44
Fri Oct 16, 2020 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare/medicaid help - newly paralyzed
Replies: 9
Views: 1677

Re: Medicare/medicaid help - newly paralyzed

Yes, Medicaid is the best option. Find a good attorney and
apply for Medicaid.
by mur44
Sat Oct 10, 2020 9:17 am
Forum: Personal Consumer Issues
Topic: Replacement Wi-Fi 6 Router
Replies: 53
Views: 5257

Re: Replacement Wi-Fi 6 Router

Thanks all of you who gave valuable tips.

I will try to upgrade the firmware first and see what happens.

Thanks Again.

mur44
by mur44
Fri Oct 09, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: Replacement Wi-Fi 6 Router
Replies: 53
Views: 5257

Replacement Wi-Fi 6 Router

With Zoom meetings, my current wi-fi router, TL-WAR3600 has been experiencing
freezing and dropped connections.

I am looking to replace the router with new standard wi-fi 6 router. Does anyone
have any experience with new wi-fi 6 routers?

Any input would be greatly appreciated.
by mur44
Thu May 14, 2020 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 857
Views: 113985

Re: Best CD rates thread

Kevin M,

My wife has one CD at PSECU with me as POD beneficiary. Does this automatically
give $500,000 NCUA protection even in her ONE existing (ADD ON provision) CD?

Could you please clarify?

Thanks
by mur44
Tue May 12, 2020 9:41 am
Forum: Personal Finance (Not Investing)
Topic: nice 20% insurance premium increase
Replies: 37
Views: 3516

Re: nice 20% insurance premium increase

I am assuming you live in NJ. If yes, then why not
apply to NJ Mfr's, which is now open to all NJ residents.
by mur44
Sat May 09, 2020 5:45 pm
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 22432

Re: "The economy is in free fall. So why isn't the stock market?"

Is US Treasury buying stocks a reason for the market to go up?

Treasury had been known to be buyer of stocks in the past.
by mur44
Sat May 02, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: [Berkshire Hathaway Annual Shareholder meeting]
Replies: 52
Views: 4656

Re: Free To Watch Warren Buffett's Speech Tomorrow?

I just found out the link to watch the streaming video: https://www.washingtonpost.com/video/national/health-science/the-novel-coronavirus-is-a-master-of-disguise-heres-how-it-works/2020/05/01/70b98db0-ca93-4dfc-859d-3ac026cf6d1b_video.html?itid=hp_hp-banner-main_virusvideo-615pm%3Ahomepage%2Fstory-...
by mur44
Fri May 01, 2020 4:52 pm
Forum: Investing - Theory, News & General
Topic: [Berkshire Hathaway Annual Shareholder meeting]
Replies: 52
Views: 4656

[Berkshire Hathaway Annual Shareholder meeting]

[Title was "Free To Watch Warren Buffett's Speech Tomorrow?" --admin LadyGeek] Yahoo Finance has been advertising that they would stream the Annual Conference speech tomorrow (5/2/2020). Does anyone know if it is free to watch the live video or one needs Premium subscription? I thought it...
by mur44
Wed Apr 29, 2020 12:41 pm
Forum: Personal Investments
Topic: 2020 Dividend Forecast For VTSAX
Replies: 1
Views: 440

2020 Dividend Forecast For VTSAX

Are there any forecasts of estimated dividends for Vanguard
Total Stock Market Fund for 2020?

Pundits are saying the dividends would be cut this year.
by mur44
Wed Apr 15, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Cruise Deposit Refund
Replies: 5
Views: 439

Cruise Deposit Refund

Our family paid $2,500 in deposits for a cruise on Royal Caribbean Lines for travel on August 9, 2020. Current Government Guidelines call for cruise cancellations through July 24, 2020. I am wondering if the cruise line would refund our deposits if they are not allowed to operate in August 2020. We ...
by mur44
Sun Mar 22, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Home services in time of COVID_19
Replies: 7
Views: 626

Re: Home services in time of COVID_19

We are cancelling House Cleaning service.

The question is: How much do we pay for the cancelled visit?
Should we pay full amount for the visit that was cancelled by us?
by mur44
Wed Mar 18, 2020 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Expected ST/LT Capital Gains for 2020
Replies: 3
Views: 233

Re: Expected ST/LT Capital Gains for 2020

Additional Information: 2019 Capital Gains Distributions (1099-DIV) from the following Mutual Funds: Dodge & cox Balanced Fund Dodge & Co Stock Fund Dodge & Cox Global Stock Fund Dodge & Cox International Fund We received $8,500 in total Capital Gains Distributions in 2019. We do not...
by mur44
Tue Mar 17, 2020 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Expected ST/LT Capital Gains for 2020
Replies: 3
Views: 233

Expected ST/LT Capital Gains for 2020

We are converting IRA funds to Roth during 2020. Current market
provides an opportunity to do so.

Are the expected Capital Gains distributions (Ex. Total Stock Market Fund)
same as in 2019 or would they be higher as the Mutual Funds needed to sell?

An tips would be greatly appreciated.
by mur44
Wed Feb 12, 2020 10:51 am
Forum: Personal Finance (Not Investing)
Topic: [Turbotax says I have to wait for form 8606]
Replies: 19
Views: 2500

Re: [Turbotax says I have to wait for form 8606]

Today is the expected date, 2/12/2020 (11 AM Eastern Time); now the message says
"Ready Soon". Turbotax employees work on the west coast. I will try
again this afternoon.
by mur44
Tue Feb 04, 2020 8:35 am
Forum: Personal Finance (Not Investing)
Topic: How To Sell TIPs Held At Treasury Direct
Replies: 2
Views: 255

How To Sell TIPs Held At Treasury Direct

My wife has $1,000.00 TIPs held at Treasury Direct maturing in 2024. We are trying to simplify life by closing as many accounts as possible as we are in the 70+ old range. She does not have a brokerage account. Her bank (TD Bank) does not sell TIPs. I have TD Ameritrade account. How to sell TIPs hel...
by mur44
Mon Jan 20, 2020 3:49 pm
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 66
Views: 14774

Re: Robocalls! -- current best call blocker?

With the new law banning spam calls, is it still worthwhile to
buy and use a call blocking device such as CPR V5000?
by mur44
Tue Dec 24, 2019 3:10 pm
Forum: Personal Investments
Topic: VTSAX Vanguard Total Stock Market Fund – Admiral
Replies: 1
Views: 604

VTSAX Vanguard Total Stock Market Fund – Admiral

I am currently working on estimating 2019 Income for IRMAA calculation purposes. As of today, Vanguard provided the Dividend data (VTSAX) for the year 2019 with a footnote:[u] Dividends declared by regulated investment companies and real estate investment trusts in October, November and December but...
by mur44
Fri Dec 20, 2019 7:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year-End Distributions
Replies: 71
Views: 9246

Re: Vanguard Estimated Year-End Distributions

Can someone direct me to the Vanguard link
that gives ACTUAL fourth (4th) Quarter 2019
Dividends and Capital Gains distribution amounts.
Original estimated date is December 20, 2019
for the data.

Thanks in advance
by mur44
Wed Dec 11, 2019 6:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year-End Distributions
Replies: 71
Views: 9246

VGD Estimates for Year End Distributions

[Merged into ongoing discussion -- mod oldcomputerguy] The following link from Vanguard says Estimates for fourth (4th) Quarter 2019 Distributions would be available as of December 10, 2019: https://investornews.vanguard/mark-your-calendar-for-year-end-fund-distributions-3/ I was not able to find v...
by mur44
Sun Dec 01, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 39621

Re: Turbotax 2019 on Amazon

Is Turbotax 2019 Deluxe usable on more than one PC?

In the past, the software allowed for up to 4 users.
by mur44
Wed Nov 20, 2019 9:19 am
Forum: Personal Investments
Topic: 2019 Year End Distributions (Preliminary)
Replies: 0
Views: 527

2019 Year End Distributions (Preliminary)

Vanguard has published preliminary year end distribution dates and amounts:
https://investornews.vanguard/upcoming- ... formation/

(Then click on "See the list as a PDF")

I wonder how close the final numbers change from the preliminary numbers.
by mur44
Fri Nov 15, 2019 7:14 pm
Forum: Personal Investments
Topic: Any Tidbits on Reducing Income for 2,3 Years?
Replies: 9
Views: 1349

Re: Any Tidbits on Reducing Income for 2,3 Years?

Thanks for all the responses; I always learn something new on this forum.
by mur44
Fri Nov 15, 2019 6:39 am
Forum: Personal Investments
Topic: Any Tidbits on Reducing Income for 2,3 Years?
Replies: 9
Views: 1349

Re: Any Tidbits on Reducing Income for 2,3 Years?

I am already retired; Thanks for your quick response.

I am not sure about the risks associated with "Qualified Opportunity Fund s".
by mur44
Fri Nov 15, 2019 5:01 am
Forum: Personal Investments
Topic: Any Tidbits on Reducing Income for 2,3 Years?
Replies: 9
Views: 1349

Any Tidbits on Reducing Income for 2,3 Years?

I will be converting IRA amounts to Roth over the next 2, 3 years. Please note that I am investing most of my funds in CDs. I am looking for ways to reduce interest income for a few years without taking undue risk, primarily for IRMAA savings. I am looking at the following options: (1) Buy Gold Coin...
by mur44
Sun Oct 20, 2019 3:48 am
Forum: Personal Consumer Issues
Topic: Jump In Spam Emails For OPTONLINE Account
Replies: 1
Views: 385

Jump In Spam Emails For OPTONLINE Account

All of a sudden, Spam Emails on my optonline account jumped
since 2 months. These spam emails are originating from GOOGLEMAIL.COM
accounts.

Any tips on how to stop the spam emails would be greatly appreciated.
by mur44
Sun Aug 04, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Ink Pens
Replies: 77
Views: 5789

Re: Ink Pens

I just buy Pilot Precise V5 Rolling Extra Fine Pens. They last a
long time. It is easy (less effort) to write and sign.

I buy these pens at Staples.
by mur44
Sat Mar 23, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Iceland with kids
Replies: 17
Views: 2419

Re: Planning a trip to Iceland with kids

Any tips for us traveling to Iceland late April this year.

Would we have a good change to view Northern Lights?
How about Weather in late April?

Thanks in advance.
by mur44
Thu Dec 27, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: Inova CU 4% 6 yr CD. Xmas gift or lump of coal?
Replies: 12
Views: 2244

Re: Inova CU 4% 6 yr CD. Xmas gift or lump of coal?

I applied online on 12/25/2018. INOVA asked for more information as if they are processing my application. I emailed all information. Just now they told me that there is NEW 6 year CD offering less than 4%. What a dishonest business operation? I declined.
by mur44
Thu Dec 20, 2018 6:25 am
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 37
Views: 5216

Re: What's the impact of no more Roth recharacterization?

Thanks Alan for your reply. I rely on your replies for many aspects. I do NOT fully understand how inflation adjustments for IRMAA tiers would adjust/change IRMAA tiers for 2018. Please see the following example from SSA.GOV that utilizes 2017 IRMAA tiers for 2019 IRMAA premiums. Are you saying that...
by mur44
Sun Dec 16, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: What's the impact of no more Roth recharacterization?
Replies: 37
Views: 5216

Re: What's the impact of no more Roth recharacterization?

Because my income sources are varied (including Interest Income, Dividends, Capital Gains, Pensions, Social Security and Roth Conversions (i.e. IRA Distributions), I am trying to stay just below IRMAA cliff. (1) Interest Income: I can determine accurately. (2) Dividends: After 4th Quarter distributi...
by mur44
Wed Dec 12, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: Our mentor [Jack Bogle] advises to "buy bonds" for protection in current market
Replies: 61
Views: 6650

vanguard-founder-bogle-says-buy-bonds

[Thread merged into here, see below. --admin LadyGeek] Bogle says to buy bonds as he sees several problems including debt, unstable government: https://www.fnlondon.com/articles/vanguard-founder-bogle-says-buy-bonds-to-battle-brexit-debacle-20181212?link=mktw Is he referring to Intermediate Term bo...
by mur44
Wed Nov 28, 2018 7:19 pm
Forum: Personal Investments
Topic: What Next For CD Strategy?
Replies: 6
Views: 1134

What Next For CD Strategy?

Now that Fed Chairman has spoken, is it
time to buy longer term CD's.
by mur44
Wed Nov 07, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Do I need more than Original Medicare?
Replies: 110
Views: 7826

Re: Do I need more than Original Medicare?

Medicare with Medigap supplemental insurance is the gold standard. However, if your health is good and expect it to be good for the rest of your life, then Medicare Parts A and B are adequate. Ask yourself how you will know what future health care needs would be. Even if you are not taking any medic...
by mur44
Sat Oct 27, 2018 5:25 am
Forum: Personal Finance (Not Investing)
Topic: How To Handle Auto Accident Insurance Company Letter
Replies: 29
Views: 4424

Re: How To Handle Auto Accident Insurance Company Letter

Thanks all of you who answered to my post. The Driver of the car that caused the accident has only $10,000 insurance and he is from New York State. He caused the accident in NJ and we live in NJ. Liabilities for the accident exceed his insurance limit - Bus damage, Damage to guard rail and my wife's...
by mur44
Sun Oct 14, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Failing Updates With Windows 7 Professional
Replies: 16
Views: 914

Failing Updates With Windows 7 Professional

My 4 month old Dell PC is failing to update Windows 7. The error code is KB80070490. My Operating System is Windows 7 Professional. Every time I shut down the PC, it tries to install 10 updates and at the end all updates fail to install. Anyone with experience please direct me to a procedure to fix ...
by mur44
Mon Sep 10, 2018 4:45 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 371
Views: 42753

Re: Northwest FCU 3-year 3.04% Add-On CD

My CD at NWFCU matures on 10/4/2018 and I logged in
to see if I can send a secure message to them. I do NOT see a
Tab/Menu item to securely (or otherwise) send a message
to NWFCU.

I did not yet receive maturity notice yet from them.

Any help would be appreciated.
by mur44
Thu Aug 16, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 15
Views: 2093

Re: Freedom Credit Union 30 Month 3.56%APY CD

When I called today CSR told me Freedom CU just terminated their special CD
offer effective today.

The good offers are open usually for a short period.
by mur44
Sat Jul 28, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Experience Buying Lexus NX300?
Replies: 1
Views: 815

Experience Buying Lexus NX300?

I currently drive a Honda CRV and am looking to replace with Lexus NX.
The size of our garage permits me to conveniently park the small SUV.

Does anyone have recent experience with 2018 or 2019 model Lexus NX?
What kind of discounts can one expect to get from MSRP? Which
Trim is recommended?
by mur44
Sat Jun 30, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Tracfone (GPS) Service Problems?
Replies: 3
Views: 526

Tracfone (GPS) Service Problems?

I have been using Tracfone Cell Phone service for a number of
years. Of late, GPS (via Google Maps) service has been sporadic.
I use Alcatel cell phone.

Any assistance in diagnosing this issue would be appreciated.
by mur44
Thu Jun 07, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Question on RMD Example From IRS.GOV
Replies: 3
Views: 468

Question on RMD Example From IRS.GOV

In the example 2 below, if there are NO IRA funds by January 1, 2015 (Say, all funds were converted by December 2014), then can one assume that NO RMD (for 2015) is involved as there are funds? Extract From IRS.GOV: Date that you turn 70½ You reach age 70½ on the date that is 6 calendar months after...
by mur44
Sun May 13, 2018 7:19 pm
Forum: Personal Investments
Topic: Roth conversion: Threshold checklist
Replies: 59
Views: 11414

Re: Roth conversion: Threshold checklist

Based on the "2017 Tax Cuts and Jobs Act", it seems it would be useful to have an UPDATED thresholds for Married and Single people. We are planning to do IRA to ROTH conversion in 2018. VictoriaF originally posted the thresholds on 9/28/2015 for single person. How can I get an updated thre...
by mur44
Wed May 02, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: How To Handle Auto Accident Insurance Company Letter
Replies: 29
Views: 4424

Re: How To Handle Auto Accident Insurance Company Letter

Thank you all for the valuable information. My DW is better; she sustained some injuries and she is better physically but not normal;. Mentally she is still suffering and is not willing to drive yet. She seems to have some memory loss and will take a cognitive test at a Neurologist that has already ...
by mur44
Sat Apr 28, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: How To Handle Auto Accident Insurance Company Letter
Replies: 29
Views: 4424

Re: How To Handle Auto Accident Insurance Company Letter

Thank you Gmanjeff and ResearchMed.
by mur44
Sat Apr 28, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: How To Handle Auto Accident Insurance Company Letter
Replies: 29
Views: 4424

How To Handle Auto Accident Insurance Company Letter

My DW was recently involved in an Auto Accident in New Jersey and the Other Driver was at fault. The Other driver's insurance company sent a letter asking her to contact them as soon as possible to possibly file bodily injury claim with them. Our question is whether we need to utilize a Personal Inj...