Search found 683 matches

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: 2379

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: 226

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: 67
Views: 14268

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: 584

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: 8323

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: 8323

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: 346
Views: 36569

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: 455

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: 1250

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: 1250

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: 1250

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: 346

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: 5561

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: 2319

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: 2179

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: 4948

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: 4948

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: 6496

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: 1101

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: 7501

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: 4348

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: 886

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: 42010

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: 2026

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: 713

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: 498

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: 454

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: 11008

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 thresholds list?
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: 4348

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: 4348

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: 4348

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...
by mur44
Sun Jan 14, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: 3% 5 year CD Connexus Credit Union: EWP 1 year
Replies: 1
Views: 525

Re: 3% 5 year CD Connexus Credit Union: EWP 1 year

The EWP is steep and you are right to wait.
I believe 6 month EWP is desirable.
by mur44
Fri Dec 22, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 43224

Re: TurboTax Prices

Did anyone buy Turbotax from the following entity:

http://www.greentaxexpert.com/Tax-Softw ... emier-2017

The price quote is $41.99 for Turbotax Premier. or is too good to be true?
by mur44
Sun Oct 22, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, and choosing not to take Medicare Part B
Replies: 41
Views: 5637

Re: Turning 65, and choosing not to take Medicare Part B

Bill,

The OP is retiring in 3 months and he plans to
keep his health insurance from his company as
RETIREE Health Insurance (NOT based on CURRENT
employment).

His Retiree Health Insurance may or may not
require him to enroll into Part B.

What I stated in my previous post is correct.

mur44
by mur44
Sun Oct 22, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, and choosing not to take Medicare Part B
Replies: 41
Views: 5637

Re: Turning 65, and choosing not to take Medicare Part B

Enrollment in Medicare is optional, including Parts A and B. As others have stated, if you decide to enroll into Part B later, there is late enrollment penalty. You need to compare benefits and potential costs under Part B and Retiree Health Insurance. Disclosure: I am a Certified Volunteer Medicare...
by mur44
Fri Oct 13, 2017 8:01 am
Forum: Investing - Theory, News & General
Topic: IRMAA, MAGI and ROTH Conversion
Replies: 4
Views: 705

IRMAA, MAGI and ROTH Conversion

I am in the process of converting IRA funds to ROTH over the next several years. For IRMAA purposes, MAGI is sum of AGI and Line 8b (Tax Exempt Interest) of Federal 1040 form. How does one determine if MAGI would be below $170,000 limit when line 8b value is unknown. With IRA to Roth conversion plan...
by mur44
Sun Oct 01, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Cost Estimate
Replies: 33
Views: 2537

Re: Medicare Cost Estimate

56k per year for Healthcare/Medicare expenses is WRONG. Today, a typical Medicare beneficiary couple spends $10,000 per year for all premiums, deductibles, co-insurance and co-pays. Now, you can adjust the above amount for IRMAA (Income Related Medicare Adjustment Amount) and inflation till you are ...
by mur44
Mon Aug 14, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 8689

Re: Expect to spend $2.6M on healthcare?

If one has Medicare, your Our-Of-Pocket (OOP) expenses would be limited. Typically, you would be responsible for 20% of outpatient expenses. A Medicare supplement plan (Medigap) would reduce your OOP expenses, but incur monthly premiums. Three factors to consider: Your health, wealth and amount of r...
by mur44
Mon Jun 12, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Anyone With (NJ) Certified Tax Assessor Experience?
Replies: 0
Views: 1075

Anyone With (NJ) Certified Tax Assessor Experience?

I am planning to take CTA (Certified Tax Assessor) exam.
But, I do not want to spend several thousand dollars to
take the preparatory CTA course. I want to (self) study the
necessary online/book materials.

Anyone with experience share tidbits as to how to
prepare for the exam?
by mur44
Fri Jun 09, 2017 6:31 pm
Forum: Investing - Theory, News & General
Topic: Mountain America Credit Union 5-Year IRA CD
Replies: 59
Views: 10819

Re: Mountain America Credit Union 5-Year IRA CD

I understand that the current 5 year CD at MACU is 2.5%.
Depositaccounts.com also shows as the top 5-year CD
currently available.

The 2.5% rate may be new currently available.

FWIW
by mur44
Thu Jun 08, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare users - what type of plan(s) do you use?
Replies: 26
Views: 4170

Re: Medicare users - what type of plan(s) do you use?

One should choose their own Medicare options based on their Health, Wealth and Risk Tolerance factors. We as Certified Volunteer Medicare Counselors developed models to assist our clients in NJ. To obtain unbiased, free counseling, you can access contact information at: https://www.medicare.gov/ (Lo...
by mur44
Mon May 15, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 37
Views: 7075

Re: Quality decline in off-brand alkaline batteries?

I agree with your assessment. My own experience
is similar to yours.

I buy Duracell and Energizer batteries - I use
AA, AAA, C and D batteries.
by mur44
Sat May 06, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Lost my job: Calling All Medicare B/GAP Insurance/COBRA Experts
Replies: 15
Views: 3088

Re: LAID OFF! Calling All Medicare B/GAP Insurance/COBRA Experts

The following Medicare form answers your question as to when to enroll into Medicare Part B: https://www.cms.gov/Medicare/CMS-Forms/CMS-Forms/Downloads/CMS-L564E.pdf You have six (6) from the date of enrollment into Medicare Part B to (Guarantee Issue) buy a Medigap plan. To obtain unbiased and free...
by mur44
Fri May 05, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA & American Health Care Act
Replies: 2
Views: 584

IRMAA & American Health Care Act

Is IRMAA being eliminated as part of the just
passed repeal and replace act known
as American Health Care Act?

Extract from the act:

"Repealing ACA taxes, including the increased Medicare tax; the health insurer tax; and the
medical device tax, among others (effective at the end of 2016)"
by mur44
Sat Apr 29, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare and Insurance companies
Replies: 7
Views: 1422

Re: Medicare and Insurance companies

Please make sure you understand your options. In general, the rating of insurance company is not important as once Medicare pays, your Medigap must also pay without any intervention on the mart of the Medicare beneficiary. There are very rarely any complaints about Medigap insurers. Premium amount i...
by mur44
Fri Apr 28, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Grandmother will run out of money after stroke
Replies: 8
Views: 2260

Re: Grandmother will run out of money after stroke

You stated that your grand mother is a Dual (Medicare & Medicaid). Duals receive most all services free or almost free. You should contact your state Board of Social Services to find the exact services covered. Also, an elder care attorney can help you to obtain maximum services. Disclosure: I am a ...
by mur44
Wed Apr 26, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 5388

Re: Are CCRCs a good deal? [Continuing Care Retirement Community]

One note of caution about CCRC's - you need to declare your assets at the beginning and you may not give away your assets (to your heirs) while residing at the CCRC. I think this is a significant clause to watch out. In NYC area, one needs to make a lump sum amount to check into CCRC and make monthl...
by mur44
Thu Apr 20, 2017 6:08 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 445
Views: 68435

Re: Larry Swedroe says "Goodby."

I have read most of Larry Swedroe's books and posts
over the last 12+ years. I benefited greatly from
his posts.

Thank you Larry. Will miss your posts.

mur44
by mur44
Wed Mar 22, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 44
Views: 5983

Re: 4 Days in Iceland - May 2016

My wife and I are planning 3 or 4 day sightseeing trip to Iceland early in May 2017 from New York. Is it better to rent a car and drive around the places outlined by tic above or take 3 bus tours in 3 different directions? Any tips on vendor choices for air travel, hotel and car rental (or packaged ...
by mur44
Thu Mar 16, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare and Costs after employer insurance ends
Replies: 28
Views: 2680

Re: Medicare and Costs after employer insurance ends

ORIGINAL Medicare is generally superior to typical employer health insurance in the sense that it is Fee For Service (Traditional) plan. You can go to almost any doctor in the country; most doctors take Medicare. Thus, Medicare provides protection from extreme charges from service providers. If one ...