Search found 10049 matches

by sport
Tue Apr 13, 2021 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard cash reserve check writing
Replies: 18
Views: 1259

Re: Vanguard cash reserve check writing

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...
by sport
Mon Apr 12, 2021 8:33 pm
Forum: Personal Consumer Issues
Topic: blue Sapphire jewelry
Replies: 9
Views: 849

Re: blue Sapphire jewelry

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.
by sport
Mon Apr 12, 2021 2:56 pm
Forum: Personal Consumer Issues
Topic: Gift Card to Permanently Closed Business
Replies: 15
Views: 2392

Re: Gift Card to Permanently Closed Business

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 &...
by sport
Sun Apr 11, 2021 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do - housing?
Replies: 11
Views: 1978

Re: What would you do - housing?

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 ...
by sport
Sat Apr 10, 2021 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Paper return - did you receive your 2020 refund?
Replies: 3
Views: 269

Re: Paper return - did you receive your 2020 refund?

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 :happy

Paper return mailed on April 7th 2021
I mailed a paper return on March 4. IRS has not processed it yet.
by sport
Sat Apr 10, 2021 11:25 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 8
Views: 510

Re: IRS Direct Pay

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...
by sport
Sat Apr 10, 2021 10:39 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 8
Views: 510

Re: IRS Direct Pay

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. :beer
by sport
Sat Apr 10, 2021 10:32 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 8
Views: 510

Re: IRS Direct Pay

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 ...
by sport
Sat Apr 10, 2021 10:14 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 8
Views: 510

Re: IRS Direct Pay

HueyLD wrote: Sat Apr 10, 2021 9:57 am Did you save a copy of the confirmation after making the payment?
Yes!
by sport
Sat Apr 10, 2021 9:48 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay
Replies: 8
Views: 510

IRS Direct Pay

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 ...
by sport
Fri Apr 09, 2021 5:38 pm
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 56
Views: 4480

Re: The Great Swing Set Dilemma

What about this one from Costco? It is less expensive than your choices.
https://www.costco.com/cedar-summit-by- ... 39193.html
by sport
Fri Apr 09, 2021 10:05 am
Forum: Personal Consumer Issues
Topic: Are you competitive? If so, how do you compete as you get older?
Replies: 46
Views: 2960

Re: Are you competitive? If so, how do you compete as you get older?

Duplicate Bridge is all about competition. You do it while sitting. :D
You can find out all about it here: www.acbl.org
by sport
Thu Apr 08, 2021 3:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6186

Re: Vanguard Website

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...
by sport
Thu Apr 08, 2021 1:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6186

Re: Vanguard Website

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. ...
by sport
Wed Apr 07, 2021 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Minimum Net Worth for a Trust
Replies: 10
Views: 2160

Re: Minimum Net Worth for a Trust

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?
by sport
Mon Apr 05, 2021 11:28 am
Forum: Personal Consumer Issues
Topic: Costco/Kirkland Premium Paper Towels (Roll Size?)
Replies: 12
Views: 1385

Re: Costco/Kirkland Premium Paper Towels (Roll Size?)

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.
by sport
Mon Apr 05, 2021 10:44 am
Forum: Personal Consumer Issues
Topic: Buying pantry items in bulk
Replies: 22
Views: 1919

Re: Buying pantry items in bulk

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.
by sport
Sun Apr 04, 2021 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Banking - personal and biz at the same place?
Replies: 2
Views: 300

Re: Banking - personal and biz at the same place?

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.
by sport
Sun Apr 04, 2021 11:48 am
Forum: Personal Consumer Issues
Topic: "V" Rated Tired vs "H" Rated Tire
Replies: 12
Views: 939

Re: "V" Rated Tired vs "H" Rated Tire

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...
by sport
Sun Apr 04, 2021 10:48 am
Forum: Personal Consumer Issues
Topic: "V" Rated Tired vs "H" Rated Tire
Replies: 12
Views: 939

Re: "V" Rated Tired vs "H" Rated Tire

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?
by sport
Sat Apr 03, 2021 10:13 pm
Forum: Personal Consumer Issues
Topic: Do maintenance free car batteries last as long in warm/hot climates?
Replies: 53
Views: 3154

Re: Do maintenance free car batteries last as long in warm/hot climates?

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...
by sport
Sat Apr 03, 2021 11:42 am
Forum: Personal Investments
Topic: Lower bond percentage after you won the game?
Replies: 57
Views: 6170

Re: Lower bond percentage after you won the game?

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...
by sport
Sat Apr 03, 2021 10:01 am
Forum: Personal Consumer Issues
Topic: Do maintenance free car batteries last as long in warm/hot climates?
Replies: 53
Views: 3154

Re: Do maintenance free car batteries last as long in warm/hot climates?

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...
by sport
Fri Apr 02, 2021 3:07 pm
Forum: Personal Investments
Topic: Vanguard Money Market Transition
Replies: 3
Views: 569

Re: Vanguard Money Market Transition

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...
by sport
Fri Apr 02, 2021 10:51 am
Forum: Personal Investments
Topic: Required Minimum Distribution???
Replies: 20
Views: 2923

Re: Required Minimum Distribution???

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....
by sport
Thu Apr 01, 2021 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is auto purchase through Costco a good deal?
Replies: 12
Views: 1691

Re: Is auto purchase through Costco a good deal?

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...
by sport
Thu Apr 01, 2021 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Taking on more Debt for an Internship
Replies: 15
Views: 1073

Re: Taking on more Debt for an Internship

Doesn't the internship pay a salary? They should pay you enough to cover your living expenses.
by sport
Wed Mar 31, 2021 3:44 pm
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 141
Views: 13725

Re: Vanguard vs. Fidelity

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...
by sport
Wed Mar 31, 2021 2:07 pm
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 141
Views: 13725

Re: Vanguard vs. Fidelity

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?
by sport
Wed Mar 31, 2021 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: How much retirement notice to give
Replies: 66
Views: 3656

Re: How much retirement notice to give

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.
by sport
Tue Mar 30, 2021 3:23 pm
Forum: Personal Investments
Topic: I Bond Sell Strategy
Replies: 82
Views: 6970

Re: I Bond Sell Strategy

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...
by sport
Sun Mar 28, 2021 7:22 pm
Forum: Personal Investments
Topic: I Bond Sell Strategy
Replies: 82
Views: 6970

Re: I Bond Sell Strategy

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.
by sport
Sun Mar 28, 2021 3:42 pm
Forum: Personal Investments
Topic: Tax loss harvest intermediate treasuries or CA tax exempt bonds?
Replies: 7
Views: 570

Re: Tax loss harvest intermediate treasuries or CA tax exempt bonds?

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.
by sport
Sat Mar 27, 2021 9:12 am
Forum: Personal Consumer Issues
Topic: AT&T Email Problem (and how to solve it)
Replies: 6
Views: 736

Re: AT&T Email Problem (and how to solve it)

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 ...
by sport
Fri Mar 26, 2021 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting health insurance deductible
Replies: 8
Views: 624

Re: Meeting health insurance deductible

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...
by sport
Wed Mar 24, 2021 9:21 pm
Forum: Personal Investments
Topic: debating with my friend about stock/bond ratio
Replies: 23
Views: 2119

Re: debating with my friend about stock/bond ratio

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 ...
by sport
Wed Mar 24, 2021 4:53 pm
Forum: Personal Consumer Issues
Topic: Repair a Ceramic Tile?
Replies: 15
Views: 904

Re: Repair a Ceramic Tile?

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. :beer
by sport
Wed Mar 24, 2021 4:36 pm
Forum: Personal Consumer Issues
Topic: Repair a Ceramic Tile?
Replies: 15
Views: 904

Re: Repair a Ceramic Tile?

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...
by sport
Wed Mar 24, 2021 3:41 pm
Forum: Personal Consumer Issues
Topic: Repair a Ceramic Tile?
Replies: 15
Views: 904

Repair a Ceramic Tile?

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...
by sport
Tue Mar 23, 2021 10:43 am
Forum: Personal Investments
Topic: Talk me out of changing AA to 50% stocks
Replies: 43
Views: 4598

Re: Talk me out of changing AA to 50% stocks

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.
by sport
Mon Mar 22, 2021 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Account - Checking
Replies: 38
Views: 3526

Re: Bank Account - Checking

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...
by sport
Mon Mar 22, 2021 4:59 pm
Forum: Personal Investments
Topic: I can change funds in my Roth IRA without tax consequences right?
Replies: 9
Views: 1085

Re: I can change funds in my Roth IRA without tax consequences right?

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...
by sport
Sun Mar 21, 2021 11:35 pm
Forum: Personal Investments
Topic: I can change funds in my Roth IRA without tax consequences right?
Replies: 9
Views: 1085

Re: I can change funds in my Roth IRA without tax consequences right?

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.
by sport
Sun Mar 21, 2021 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should bank accounts be in a trust?
Replies: 27
Views: 2053

Re: Should bank accounts be in a trust?

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.
by sport
Sat Mar 20, 2021 12:09 pm
Forum: Personal Consumer Issues
Topic: AT&T Email Problem (and how to solve it)
Replies: 6
Views: 736

AT&T Email Problem (and how to solve it)

I get my email from from through AT&T, my ISP. I use Thunderbird on my computer to download and upload emails to/from my computer. I have used this setup for years without difficulty. Yesterday, about noon, it stopped working. I could access my mail using my web browser, but it would not allow a...
by sport
Fri Mar 19, 2021 3:39 pm
Forum: Personal Consumer Issues
Topic: New grill: gas vs. pellet
Replies: 50
Views: 4012

Re: New grill: gas vs. pellet

We have our grill connected to a natural gas line. If that can work for you, it is a great convenience. No tanks and never a chance of running out.
by sport
Thu Mar 18, 2021 6:32 pm
Forum: Personal Consumer Issues
Topic: Las Vegas or Tampa for retirement relocation?
Replies: 69
Views: 6029

Re: Las Vegas or Tampa for retirement relocation?

flyingaway wrote: Thu Mar 18, 2021 6:22 pm (7) We have been to both places, but will visit Las Vegas again in May and Tampa in June.
Perhaps you should go in July and August to experience how hot each place can get.
by sport
Thu Mar 18, 2021 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: incremental conversion of IRA to Roth IRA
Replies: 23
Views: 1686

Re: incremental conversion of IRA to Roth IRA

It doesn't matter whether you decide on a number of shares or a number of dollars. Since you are concerned about not exceeding your tax bracket, it seems that a dollar amount would be easier to calculate.
by sport
Tue Mar 16, 2021 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Checking account to Living Trust - Wells Fargo
Replies: 5
Views: 552

Re: Checking account to Living Trust - Wells Fargo

I have experienced problems when I had a check payable to me as trustee and I tried to deposit it in our joint account. Since the check is made out to my trust, my bank does not want to accept it for deposit to a non-trust account. Similarly, you could be incapacitated and receive a check written o...
by sport
Tue Mar 16, 2021 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Checking account to Living Trust - Wells Fargo
Replies: 5
Views: 552

Re: Checking account to Living Trust - Wells Fargo

My wife and I each have separate trusts and a joint checking account. I have experienced problems when I had a check payable to me as trustee and I tried to deposit it in our joint account. Since the check is made out to my trust, my bank does not want to accept it for deposit to a non-trust account...