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sport

If the 0% fixed I bonds will yield 3.54% doesn't that mean that the old 3.6% fixed I bonds will yield 7.14% ? That is a pretty good rate.

sport

We have money market account checks which we got in 2019 that show "Vanguard Prime Money Market Fund." However, I recently became concerned that checks written on the Prime Money Market Fund would no longer be honored by Vanguard even though one cleared on April 8th. I called Vanguard thi...

sport

If you make charitable donations, donate appreciated shares rather than cash. This escapes the CG tax. You can then invest the cash you otherwise would have donated. It is also better from a tax standpoint to have bonds in your tax deferred account and stock in taxable.

sport

I use Vanguard Federal MM fund in my IRA to write checks for QCD donations. QCD rules require checks to be written directly on the IRA, either by me or by Vanguard.

sport

We sold our home of 35 years where we raised our family. Our retirement house is much better suited for people our age. It is all on one floor where the old house had 3 levels. The new house is a cluster home. So, the HOA cuts the grass, trims the bushes, and plows the snow. So, we do not need to be...

sport

Perhaps there is some confusion. The Prime MM fund was converted to the Federal Cash Reserves fund. That fund has check writing. However, there was/will be an automatic conversion of this fund to Admiral shares. The Admiral Federal Cash Reserves fund does not have check writing, this causing your ol...

sport

Just found out about this. All my checkwriting accts are useless. Vanguard tells me I have to open new accts to get checkwriting back. Vanguard is horrible at this point. Moving my money to Fidelity. If you have a Vanguard account, all you need to do for check writing is to put money into the Feder...

sport

jpelder wrote: ↑Mon Apr 12, 2021 7:54 am I'm not a member, but people speak highly of Costco's prices and selection.

Here is their on-line selection: https://www.costco.com/CatalogSearch?de ... e+sapphire
There may be other items in the store near you.

sport

I am sure I was not the only one taking advantage of it but I am pretty sure when you factor in all things (rent/staff/food/insurance/ect) they lost money on the food I bought with a 33% discount. OTOH, some gift cards never get used or are only partially used. The unspent portion of the cards is &...

sport

Would you consider moving? You have a big family and a SAHM. You can live like a King out here in the Midwest with a 5 bedroom new built house and make the same salary. +1 In my area I would expect ER physicians to make about the same amount. However, you can get a nice 4 bedroom house in a suburb ...

sport

Jeev1 wrote: ↑Sat Apr 10, 2021 11:03 am Some of us had to go snail mail route due to a reason beyond our control.
Creating this to keep the hope alive, one day the snail will WIN the race

Paper return mailed on April 7th 2021

I mailed a paper return on March 4. IRS has not processed it yet.

sport

I use EFTPS where it remembers my bank and it’s quite easy to make those estimated payments (easy once you determine the amount). The payment is processed fast, there is a history of payments and status that seems updated quickly after you pay. Can use this or other irs login at year end to see tot...

sport

BogleTaxPro wrote: ↑Sat Apr 10, 2021 10:34 am Yes! It's better to keep everything under the primary SSN of the tax returns so things don't get disconnected. Like this. Good to know you found it!

Many thanks for your help! I was worried that several thousand dollars got lost.

sport

Try going back to the IRS page Direct Pay instead, and use the lookup tool there (eg: https://directpay.irs.gov/directpay/paymentManager?execution=e1s1). You'll need the confirmation number and your SSN. Then you can confirm that you entered the SSN correctly and that you specified that it was for ...

sport

HueyLD wrote: ↑Sat Apr 10, 2021 9:57 am Did you save a copy of the confirmation after making the payment?

Yes!

sport

I file a MFJ tax return. Last year, our income was lower due to the suspension of RMDs. So, in May 2020, I made a significant Roth conversion up to the point where it would not increase our IRMAA payments. At that time, I also made an estimated tax payment to cover the tax on the conversion. I sent ...

sport

What about this one from Costco? It is less expensive than your choices.
https://www.costco.com/cedar-summit-by- ... 39193.html

sport

Duplicate Bridge is all about competition. You do it while sitting.

You can find out all about it here: www.acbl.org

sport

I just logged on today. Haven't done in quite a while. Upper right corner has "Last logon: Thursday, April 08, 2021 02:24 AM ET". No way Jose. I was dead asleep at that time and no-one else has my login credentials. Should we all be concerned about a data breach????? I just logged on to t...

sport

Hi, I just signed up here bc I need to vent about the Vanguard website. It is so opaque and unhelpful when compared to fidelity's. The first thing I see at fidelity is how much my account is up or down at a given time, and the amount I'm up or down in each holding. Also there is a wonderful chart. ...

sport

bsteiner wrote: ↑Wed Apr 07, 2021 9:13 pm In most cases when you expect to have a taxable estate. Otherwise you would probably hold on to your assets to get a basis step-up at death.

Doesn't a Living Revocable Trust get a step-up at death?

sport

iamblessed wrote: ↑Mon Apr 05, 2021 11:22 am I was going to look up the price but the costco web site is not as good as the sam's club web site. That's one area sam's is good at.

Costco web site and Costco stores often have different prices. The web site sometimes has higher prices that include delivery.

sport

Costco or costco.com is a good place to buy items in bulk. Quality tends to be very good and the prices are lower than most.

sport

I avoid having credit cards with the bank I use for checking/savings accounts. This is due to the "right to offset". I do not have a business account.

sport

Mainly because I'm in Pittsburgh and I can't find a tire yet that lasts past 25,000 miles here. What is it about Pittsburgh that is unusually hard on tires? Winter, hills, potholes, hills, bad roads, hills and hills. I fully fess up that there are better drivers who get longer tire life than me, bu...

sport

Leesbro63 wrote: ↑Sun Apr 04, 2021 9:52 am Mainly because I'm in Pittsburgh and I can't find a tire yet that lasts past 25,000 miles here.

What is it about Pittsburgh that is unusually hard on tires?

sport

Car batteries should be checked at least once or twice a year for adequate fluid level in the cells. If the fluid level is below the bottom of the lower cap wall, add distilled water until fluid level just touches bottom of cap wall. Why do you feel that distilled water is necessary? At the factory...

sport

IMO it depends greatly on your goals. If your goal is capital growth, then it makes sense to have a lower bond allocation. However, if your goal is capital preservation, then that would point to a higher bond allocation (as in don't take risks you do not need to take). Personally, I am very happy wi...

sport

Car batteries should be checked at least once or twice a year for adequate fluid level in the cells. If the fluid level is below the bottom of the lower cap wall, add distilled water until fluid level just touches bottom of cap wall. Why do you feel that distilled water is necessary? At the factory...

sport

I see on my account V is closing my Investor share Cash Reserve MM Fund (VMMXX). They will auto transition to Admiral shares in the same fund but Admiral does not have check writing which I want. Their information sheet on this says their Federal MMF (VMFXX) does have check writing, but I can’t fin...

sport

Because you are also over 70.5 years old, if you are charity-minded, you also can take some or all of your withdrawals as Qualified Charitable Distributions. QCDs don’t increase your taxable income, but the charity gets to spend them, not you. I'm curious how that works. Just for planning purposes....

sport

While the Costco is a no hassle arrangement, there is nothing to stop you from trying to negotiate further. I made my last car purchase of a Camry using the Costco arrangement. When the dealer was giving me the price breakdown, I told him I did not want to pay their ridiculous "documentation fe...

sport

Doesn't the internship pay a salary? They should pay you enough to cover your living expenses.

sport

We have requested a change in destination or just sending it back. We're told it's out of their hands, that IRS classifies that as a "mid-air reclassification" and that they can't do anything. It is sitting there cleanly in a money market account, not allocated to any tickers yet. Seems u...

sport

petej wrote: ↑Wed Mar 31, 2021 1:13 pm Side question: If anybody has tax tips for dealing with this let me know.

Can't your wife ask Vanguard to re-characterize the transfer and put it into a TIRA?

sport

I always figured that 2 weeks is a minimum if you want to be professional. If you want to be nice, one month should be sufficient.

sport

No, of course not. That is my total projected accrued interest in 2030 when my first bonds mature. A large portion of that will be recognized in the early 2030’s. Gill The point I'm trying to make is that, very likely, nobody is forced to anticipate Savings Bonds redemption in order to save on taxe...

sport

Another consideration is the effect of a large interest payment(s) on IRMAA charges. It may be better to cash in all of them in one year and take the IRMAA hit for only one year. If you spread them out, you may have a number of years with extra IRMAA charges.

sport

If the losses in your bond funds are significant, I would tax loss harvest both of them. If you decide you want to hold one of them long term, you can buy back in after 30 days.

sport

Since I have only done it once, I do not remember the exact steps. You have to log onto att.net and find the instructions. You create the key on their site. The key is a string of 16 characters. You use this string as your password for ingoing and outgoing mail in Thunderbird. In Thunderbird you go ...

sport

In my experience, the deductible gets paid before insurance will pay. For example, let's say you have a $1000 deductible and your first bill of the year is for $1500. You will have to pay the $1000 deductible plus your percentage of the remaining $500. So, if your insurance pays 80% after deductible...

sport

There are two thing to keep in mind when discussing allocations: 1. The past does not predict the future. What has worked well may or may not work well going forward. 2. A lot of people assume that the only goal of investing is to maximize portfolio growth. However, there are retirees who feel that ...

sport

Sandtrap,
Thank you very much for that detailed response and the answers to my questions. It seems that my next step is a trip to Home Depot. Fortunately, it is not far. After that trip, I might have some additional questions. Thanks again for such thorough help.

sport

If the cracks are small, used unsanded grout in the exact color match to the surrounding grout. There will be filled crack lines but that's the best if done that way. Use a sponge grout trowel to force the grout into the lines after lst cleaning and scraping and vacuuming them. Use a fine grout spo...

sport

We have a ceramic tile floor installed on a concrete slab. Recently, something heavy fell on one of the tiles and badly cracked it. The proper way to fix this would be to replace the tile. However, there are some problems related to doing that. 1. We have only a small number of tiles to use for repl...

sport

OP, you may get better responses if you include your age and when you plan to retire. These can be important when deciding on an AA.

sport

When I wanted to change banks, I went to a commercial area near home where there were about a half dozen different banks. I walked into each of them and asked about the services I expected to use and the costs for those service. They were not all the same. I picked out one that I liked better than t...

sport

You would be better off long term buying the ETF version -- VTI. It costs a little less than the mutual fund. You could not quite spend all $10k because you can only buy whole shares of ETF's at Vanguard at the present time. Each ETF share is about $205 now. I disagree that the OP would be better o...

sport

You can make any changes you wish within an IRA account and there will be no tax consequences. Vanguard does not charge fees to buy or sell or exchange Vanguard funds. Just make sure you keep the money inside the IRA when making changes.

sport

redeem_ct wrote: ↑Sun Mar 21, 2021 5:42 pm Another reason is that we don't want the trust to be listed on checks. (There's no need to tell everyone we do business with that she has a trust.)

You should be able to get the checks printed without a trust designation. You could have just a normal name and address.

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