Search found 557 matches

by harmony
Wed Apr 08, 2020 10:11 am
Forum: Personal Finance (Not Investing)
Topic: 2020 estimated tax dates
Replies: 28
Views: 1910

Re: 2020 estimated tax dates

https://www.irs.gov/newsroom/filing-and-payment-deadlines-questions-and-answers Q16. The Notice postpones the deadline for first quarter 2020 estimated income tax payments due on April 15, 2020. What about second quarter estimated tax payments due on June 15? Have they been postponed as well? A16. N...
by harmony
Wed Apr 08, 2020 12:59 am
Forum: Personal Finance (Not Investing)
Topic: H & R Block's Filing Status Calculator
Replies: 0
Views: 142

H & R Block's Filing Status Calculator

Has anyone found the Filing Status Calculator on H & R Block federal tax software very useful? Or is it better to create separate returns for each spouse to see how the tax compares for MFJ vs. MFS? I am doing returns for a state in which we are allowed to file separately for state even if we file j...
by harmony
Sat Feb 15, 2020 10:59 pm
Forum: Personal Consumer Issues
Topic: Dishwasher w/ door side vents?
Replies: 6
Views: 578

Re: Dishwasher w/ door side vents?

We installed a KitchenAid dishwasher a few years ago, one with a left side door vent. On page 10 of the installation instructions, it says to install a moisture barrier, which we did. I just checked it now and the barrier looks as good as new. I have never noticed any steam coming out of it. However...
by harmony
Sat Feb 08, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: Do you buy plastic bags for your home trash bins?
Replies: 99
Views: 7182

Re: Do you buy plastic bags for your home trash bins?

We recycle plastic grocery bags for our wet garbage. We compost whatever we can for our garden. We recycle paper grocery bags for our dry garbage and for any garbage with pointy corners, i.e. boxes, which might poke holes in the smaller plastic grocery bags. Our waste baskets were chosen to fit the ...
by harmony
Sun Jan 26, 2020 2:05 pm
Forum: Investing - Theory, News & General
Topic: How may ETFs fail?
Replies: 9
Views: 1182

Re: How may ETFs fail?

Google “ETF Deathwatch” to find monthly updated lists of ETFs which are on monitored lists of troubled ETFs. Google “ETF Deathwatch Criteria” http://investwithanedge.com/criteria to learn how ETFs get on/off the lists. The lists don’t directly answer your question, but reveal ETFs which could fail. ...
by harmony
Sun Jan 12, 2020 11:54 am
Forum: Investing - Theory, News & General
Topic: TIAA 403b Distribution Error
Replies: 3
Views: 333

Re: TIAA 403b Distribution Error

You can verify the date of withholding by calling TIAA on Monday morning, but your mother could check this information today via her online TIAA account. She should click on “Documents and Statements”. Then she should select the year (2019 and/or 2020) to see which year this payment was made. To ver...
by harmony
Sat Jan 11, 2020 10:39 pm
Forum: Investing - Theory, News & General
Topic: TIAA 403b Distribution Error
Replies: 3
Views: 333

Re: TIAA 403b Distribution Error

When something similar happened to us with TIAA, we didn’t discover it until after the end of the year. The fix that worked for us was an indirect rollover, mailed to the IRA custodian within 60 days. The tax that was withheld wasn't for very long, because the error happened in December and we got t...
by harmony
Sun Jan 05, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Meds from Canadian Mail-Order Pharmacy. Legality? Ethics? Safety? Efficacy?
Replies: 33
Views: 3815

Re: Meds from Canadian Mail-Order Pharmacy. Legality? Ethics? Safety? Efficacy?

I looked up the cost of a drug which a family member needs, but is not covered by his Part D insurance. (Thankfully this is only taken as needed and not daily.) I searched at GoodRX and ScriptSave discount drug sites. These are discount drug programs, not insurance. Our preferred pharmacy cost: 30 t...
by harmony
Wed Jan 01, 2020 11:34 am
Forum: Personal Finance (Not Investing)
Topic: IRS Drops Agreement Not to Compete With TurboTax
Replies: 82
Views: 9873

Re: IRS Drops Agreement Not to Compete With TurboTax

Do we know if the free version is a downloadable version that won’t be stored on another computer outside of our homes? Will we be able to store our completed forms from prior years indefinitely on our home computers, accessible only to us and to nobody else?
by harmony
Tue Dec 31, 2019 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Coin Donation IRS Paper Trail
Replies: 18
Views: 1148

Re: Coin Donation IRS Paper Trail

They’ve gone up in value since we received them, faster than inflation. That’s the other reason we want to donate them (along the already-mentioned issue of not being able to accurately figure cost basis). They would closely match the amount of a need that we are trying to fill for them. I've been t...
by harmony
Tue Dec 31, 2019 1:29 am
Forum: Personal Finance (Not Investing)
Topic: Coin Donation IRS Paper Trail
Replies: 18
Views: 1148

Re: Coin Donation IRS Paper Trail

LL, I am also aged. It would be a three-day drive there for me and another day to the coin dealer, at my rate anyway. I could call them and ask if they have a younger volunteer who could drive one of them to the coin dealer. Or they might authorize someone.
by harmony
Tue Dec 31, 2019 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Coin Donation IRS Paper Trail
Replies: 18
Views: 1148

Re: Coin Donation IRS Paper Trail

The members of this non-profit are aged and the nearest coin dealer is over five hours away. They do have a financial representative in town who accepts stock securities. I have called that representative and they have no way to take coins, so the older members would have to figure something else ou...
by harmony
Tue Dec 31, 2019 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Coin Donation IRS Paper Trail
Replies: 18
Views: 1148

Re: Coin Donation IRS Paper Trail

A DAF seems like it could work. Vanguard's Donor Advised Fund has a minimum initial investment of $25,000, but our initial investment would be a little over $3,000. I'll look around to see if I can find one with a lower initial investment. Thank you.
by harmony
Mon Dec 30, 2019 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Coin Donation IRS Paper Trail
Replies: 18
Views: 1148

Re: Coin Donation IRS Paper Trail

The coins were a gift given to us by someone who was close to death who would not have been able to tell anyone anymore what he had paid for them. Thus by gifting the coins, we hope to avoid the hassle of figuring out the cost basis for tax purposes. If we ourselves get paid, then I think we would n...
by harmony
Mon Dec 30, 2019 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Coin Donation IRS Paper Trail
Replies: 18
Views: 1148

Coin Donation IRS Paper Trail

I want to donate some krugerrands to a non-profit charity, but I believe that processing an unusual donation like this could bog the charity down as they figure out where/how to sell the coins. Could I give the coins to my local coin buyer in exchange for a check made out in the name of the non-prof...
by harmony
Sun Dec 29, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: SECURE Act - Special Needs Trusts
Replies: 51
Views: 4786

Re: SECURE Act - Special Needs Trusts

I wrote in error that our non-disabled son is trustee of his own trust. That’s what I asked the lawyer to do, but it didn’t end up that way because it’s impossible, as bsteiner stated. Instead, he’s supposed to get his own “bucket” as the lawyer called his principal which would deliver an annual RMD...
by harmony
Sun Dec 29, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: SECURE Act - Special Needs Trusts
Replies: 51
Views: 4786

Re: SECURE Act - Special Needs Trusts

Bsteiner, your voice is welcome at a time like this when many of us are faced with revising trust documents. I can see how putting the remainder in a charitable trust would pace distributions so that a beneficiary wouldn’t be as likely to spend it all at a young age and perhaps unwisely. We drafted ...
by harmony
Sun Dec 29, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: SECURE Act - Special Needs Trusts
Replies: 51
Views: 4786

Re: SECURE Act - Special Needs Trusts

After the death of an employee and his/her spouse, could an eligible designated disabled beneficiary receive a Life Expectancy stretch; while his non-disabled sibling who is just a designated beneficiary receive a 10-year stretch? Would these distributions run concurrently for 10 years, after which ...
by harmony
Sat Dec 28, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: SECURE Act - Special Needs Trusts
Replies: 51
Views: 4786

Re: SECURE Act - Special Needs Trusts

Does anyone know if/how the SECURE Act relates to the “see-through” trust requirements we were careful to follow in drafting our trust documents? Has anything changed in our understanding of this? https://www.investopedia.com/terms/s/seethrough-trust.asp One of the four requirements of a "see-throug...
by harmony
Sat Dec 28, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: SECURE Act - Special Needs Trusts
Replies: 51
Views: 4786

Re: SECURE Act - Special Needs Trusts

Enkidu, thank you very much for your post quoting paragraph (iii). I had trouble verifying the text that you found for paragraph (iii) because earlier versions of the bill said something much different. I finally found the paragraph that you quoted at a site which I found which makes it very easy to...
by harmony
Fri Dec 27, 2019 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: SECURE Act - Special Needs Trusts
Replies: 51
Views: 4786

Re: SECURE Act - Special Needs Trusts

This is largely why I started that other thread focused on utilization of a non-qualified accumulation trust as beneficiary of qualified retirement assets. Does the original poster or the moderator think this topic should be moved to the Personal Finance forum rather than stay in the Theory forum? ...
by harmony
Fri Dec 27, 2019 12:48 am
Forum: Personal Finance (Not Investing)
Topic: SECURE Act - Special Needs Trusts
Replies: 51
Views: 4786

Re: SECURE Act - Special Needs Trusts

Mtnbiker, you are certainly raising thought-provoking questions for which we will need to find the answers as well. Thank you.
by harmony
Mon Dec 02, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 28354

Re: H&R BLOCK Pre-Order 2019 Software Offer

I used dinkytown.net 1040 Tax Calculator for modeling the size of my late 2019 Roth IRA conversion. The dinkytown caluclator was updated last year with the 2017-2018 tax law changes. This year it appears to be ready for 2019 1040 calculations. I wanted to get my Roth IRA paperwork started before Cyb...
by harmony
Thu Apr 25, 2019 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Medigap - Can I Cancel and Get new policy during 6-month enrollment period?
Replies: 6
Views: 606

Re: Medigap - Can I Cancel and Get new policy during 6-month enrollment period?

I think you should call the HR department of your employer. They may have had the same question from other retiring employees and will know what is possible. Whereas neither of our situations is exactly like yours, each of us has an aspect of your situation. I did what you are asking about, except i...
by harmony
Mon Apr 15, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6651

Re: Women, How Much Do You Pay for Haircut

Every November (around Veterans Day) I buy a pre-paid card from Great Clips. Last year I bough 8 haircuts for $10.99 each, all on the card. After each haircut, the receipt shows how much value is left on the card. If Great Clips publishes a coupon with a lower rate, I use it instead of using up one ...
by harmony
Fri Apr 12, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Own/Operate a Funeral Home?
Replies: 16
Views: 1861

Re: Anyone Own/Operate a Funeral Home?

Provide a peaceful environment for mourners. In my city the main entrance to a funeral home adjoins a self-fill gas station with multiple bays for refueling, constant activity, and the certain smell of gas. I agree with Sandtrap's advice to consider the "theme".
by harmony
Thu Apr 11, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Funds discovered after probate?
Replies: 13
Views: 1483

Re: Funds discovered after probate?

Gill, there was no beneficiary designated, unfortunately. Young single person, perhaps not ready to fill in that blank just yet. Littlebird, were the affidavits you signed outside of small estate administration? Did you give a complete list of heirs’ names and addresses to the company so they knew h...
by harmony
Thu Apr 11, 2019 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Funds discovered after probate?
Replies: 13
Views: 1483

Funds discovered after probate?

A deceased relative’s 401k company recently reported that the account has about $600 in previously unreported funds. The estate was closed over a year ago. It’s been suggested to reopen the estate so documents can be prepared and someone appointed to take care of this. Has anyone ever done this? Wha...
by harmony
Fri Mar 29, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Water Heater Anode Replacement
Replies: 32
Views: 3404

Re: Water Heater Anode Replacement

We have a 24-year old Sears water heater, still working. I recently had a conversation with the director of our local utility company about a water heater in a property we are looking at. When I mentioned that we were still using a 24-year old water heater in our own home, he immediately offered tha...
by harmony
Fri Mar 15, 2019 12:32 pm
Forum: Personal Investments
Topic: Is MM safer than ST Bond? If so, why/how?
Replies: 17
Views: 1699

Re: Is MM safer than ST Bond? If so, why/how?

It is not overthinking to try to find out why/how something works. On a continuum, it seems money market funds are safer than short-term bond funds. Most of the responses here support that. Thank you to everyone. We are all coming from different places, though we often have some overlapping concerns...
by harmony
Fri Mar 15, 2019 11:59 am
Forum: Personal Investments
Topic: Is MM safer than ST Bond? If so, why/how?
Replies: 17
Views: 1699

Re: Is MM safer than ST Bond? If so, why/how?

Some context: We are at an age where another health event could cause at least one of us to need LTC soon. LTC self-insurance investments have not fully matured. If LTC is not needed soon, then we might need to purchase a single-level home in the interim, without benefit of selling our current home ...
by harmony
Fri Mar 15, 2019 11:02 am
Forum: Personal Investments
Topic: Is MM safer than ST Bond? If so, why/how?
Replies: 17
Views: 1699

Is MM safer than ST Bond? If so, why/how?

I am trying to understand the risks of short-term government bond funds as I diversify short-term fixed income amongst CDs, money market funds, stable value, guaranteed and other low-risk investments. With Vanguard’s short-term bond funds looking more promising, I wonder what the risk difference is ...
by harmony
Thu Mar 14, 2019 3:58 pm
Forum: Personal Investments
Topic: Socially responsible investing
Replies: 27
Views: 5743

Re: Socially responsible investing

I owned iShares MSCI Global Impact ETF | SDG all of last year. I bought it to balance some sectors which, according to my own spreadsheet, were low. Last year SDG threw off more than double the dividends of any ESG/SRI mutual funds or ETFs that I own. In the Ishares SDG fund literature you will read...
by harmony
Thu Mar 07, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Medical and Living in Germany
Replies: 32
Views: 2953

Re: Medical and Living in Germany

When I worked in Germany in the early seventies, I was admitted to a hospital for “tests” to follow up on a concern from a job-related physical. Despite feeling fine, I was told to get in bed. A specialist showed up after 5 days and said “Nothing is wrong. Go home.” Residents at the university hospi...
by harmony
Thu Mar 07, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: HRB prints all 6 schedules?
Replies: 4
Views: 309

Re: HRB prints all 6 schedules?

Yes, that's what I'll do if this doesn't work. My IT assistant (family member) will be here later this evening. Thanks to both of you.
by harmony
Thu Mar 07, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: HRB prints all 6 schedules?
Replies: 4
Views: 309

Re: HRB prints all 6 schedules?

Thanks. Yes, I tried that. But when I tried to select only the pages with data on them, only the “All” button worked. The page range tool was grayed out and unresponsive when I attempted to click (and click again and again) on the page-range radio dial button.
by harmony
Thu Mar 07, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: HRB prints all 6 schedules?
Replies: 4
Views: 309

HRB prints all 6 schedules?

Working on a H&R Block download tax return, we need to print copies of the federal 1040 to mail along with two separate state returns. When I set up to print, I am not given the option to select only the 1040 schedules with data on them. I don’t need to print schedules without data, yet the software...
by harmony
Thu Feb 28, 2019 1:55 am
Forum: Personal Finance (Not Investing)
Topic: Krugerrand donation modeled in HRB?
Replies: 6
Views: 492

Krugerrand donation modeled in HRB?

I am considering donating 2 krugerrands to charity in 2019. These were death-bed gifts so I did not have the opportunity to inquire of my now-deceased relative how much he had paid for them. This makes his/my cost basis impossible to determine. I am not sure if these krugerrands would qualify as an ...
by harmony
Wed Feb 20, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 314
Views: 30379

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

Thank you Kevin M for the Magnifier suggestion and MisterMaster for the fine tuning tips. I got Magnifier running and docked on my toolbar. I am still trying to figure out if this helps much because the scrollbar often seems less agile than without magnification. The magnifier makes the text less cr...
by harmony
Sun Feb 17, 2019 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 314
Views: 30379

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

This is my first year using H&R Block. Does anyone else think the H&R Block forms are hard to read? (My glasses prescription is up to date.) The forms font seems to be smaller than TaxAct or TurboTax forms. With several schedules attached to the 1040, mini-worksheets interspersed, some text in itali...
by harmony
Thu Jan 31, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 162
Views: 13673

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

Two businesses that I know of in my community keep a dog at the business. One is a vet who brings her dog to work, a Golden Retriever, sprawled under the receptionist’s desk. Another business, financial planning, allows one of the employee’s dogs to be at the place of business. My son works in an ad...
by harmony
Sat Jan 26, 2019 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Will 60-Day Roth Rollover fix withholding?
Replies: 4
Views: 385

Re: Will 60-Day Roth Rollover fix withholding?

The Roth IRA was opened years ago, not long after they first became available so there are no withdrawal restrictions due to that. I already received form 5498 for 2018 tax year from the custodian. They are showing the 95% amount as "Rollover Contributions" (Box 2). There is no mention of the 5% whi...
by harmony
Sat Jan 26, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Will 60-Day Roth Rollover fix withholding?
Replies: 4
Views: 385

Re: Will 60-Day Roth Rollover fix withholding?

Alan, thank you for responding to my question. This was to be a rollover from a retirement account into a Roth IRA, both held with the same company. The title on my form was “Rollover from retirement investments”. Within the form I made an election to send the rollover to my existing Roth IRA held a...
by harmony
Sat Jan 26, 2019 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Will 60-Day Roth Rollover fix withholding?
Replies: 4
Views: 385

Will 60-Day Roth Rollover fix withholding?

I did an in-house Roth rollover from an employer retirement account in mid-December 2018. I requested no federal withholding. There was not a box on the form to check for state withholding. It was a pre-populated form which a company rep started for me. I neglected to hand write a note on the form s...
by harmony
Sat Jan 05, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 15409

Re: Shingrix [Vaccine availability]

Last fall I put my name on a wait list at my preferred CVS pharmacy, a campus town location. When they received a Christmas Eve shipment, I was called. I wanted the deductible to apply to my 2019 Part D insurance so I waited until yesterday to get the vaccine. I suppose they don't get a lot of reque...
by harmony
Mon Dec 31, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: advice for a widow
Replies: 5
Views: 722

Re: advice for a widow

Low-paying doesn’t matter as long as it was long enough. At her current age, it is very likely that it was long enough for her to have gotten onto SSDI. Rather than try to reconstruct what her benefit is, since it has only been five years, you might ask her whether she knows if she is on SSDI or SSI...
by harmony
Mon Dec 31, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: advice for a widow
Replies: 5
Views: 722

Re: advice for a widow

If her disability benefit comes from SSDI (meaning it is an insurance benefit), then this wouldn't affect her monthly benefit. SSDI is a benefit that is available from someone's work record. It could be her own work history or her deceased spouse's work history. If her disability benefit comes from ...
by harmony
Sun Dec 30, 2018 2:52 am
Forum: Personal Investments
Topic: Thoughts on Simple "Fossil Free"/"Low Carbon" Fund Portfolio for IRA?
Replies: 5
Views: 767

Re: Thoughts on Simple "Fossil Free"/"Low Carbon" Fund Portfolio for IRA?

The smaller ETF with 290 holdings (ETHO) probably has a much tighter screen than the larger one with 1484 holdings (ESGV). TIAA-CREF Social Choice Low Carbon Equity Fund (Retail) TLWCX is a mutual fund with 466 holdings which invests “at least 80% in securities consistent with its ESG criteria which...
by harmony
Sat Dec 29, 2018 2:04 am
Forum: Personal Investments
Topic: Thoughts on Simple "Fossil Free"/"Low Carbon" Fund Portfolio for IRA?
Replies: 5
Views: 767

Re: Thoughts on Simple "Fossil Free"/"Low Carbon" Fund Portfolio for IRA?

Fossil-fuel-free investing is a goal I share with you though I am several decades older than the millenials. Have you considered the two new Vanguard ESG ETFs, both of which claim to be fossil fuel free? Vanguard ESG U.S. Stock ETF ESGV Vanguard ESG International Stock ETF VSGX I own ETHO because of...
by harmony
Fri Dec 28, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Hot Tub - Spa Purchase Help
Replies: 17
Views: 1256

Re: Hot Tub - Spa Purchase Help

If timing is not of essence, you might try waiting for the dealership’s best annual sale. Our local Jacuzzi dealership always holds sales at the same time in the early spring. You could ask them when their best sale will be. Our relationship with the staff of a brick & mortar hot tub dealership has ...