Search found 513 matches

by harmony
Sat Jan 05, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 97
Views: 8657

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: 648

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: 648

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: Investing - Help with Personal Investments
Topic: Thoughts on Simple "Fossil Free"/"Low Carbon" Fund Portfolio for IRA?
Replies: 5
Views: 555

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: Investing - Help with Personal Investments
Topic: Thoughts on Simple "Fossil Free"/"Low Carbon" Fund Portfolio for IRA?
Replies: 5
Views: 555

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: 1036

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 ...
by harmony
Fri Dec 28, 2018 12:32 am
Forum: Personal Consumer Issues
Topic: Remove damaged coating from prescription glasses
Replies: 29
Views: 2353

Re: Remove damaged coating from prescription glasses

My reflective coating failed the first time around a holiday. I’d looked into a hot oven to check the turkey without removing my glasses first. Now I remove my eyeglasses before opening the oven door. A called around and a local eyeglasses shop was able to remove the crazed coating professionally fo...
by harmony
Fri Dec 28, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: Dental implants - fair price for teeth 23 to 26?
Replies: 30
Views: 2817

Re: Dental implants - fair price for teeth 23 to 26?

I know OP said it would be a cash transaction, but OP also said the teeth were lost due to an accident. I wonder if OP has medical insurance which would pay for this restorative dental work which will be done after an accident.
by harmony
Thu Dec 27, 2018 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional attachment to a stock CPST? (Anchoring)
Replies: 10
Views: 393

Re: Emotional attachment to a stock CPST? (Anchoring)

Try to separate the admiration you have for your father from the investment he made for you. Can you imagine your father would want you to still be burdened by this? I bet not. Then make a break from the investment, but not from the memory of your father. Look carefully at CPST first. Is this a comp...
by harmony
Tue Dec 25, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing Part D Medicare Plan
Replies: 15
Views: 1312

Re: Choosing Part D Medicare Plan

You are prompted to enter how frequently you refill each 30-day medication. We put down “every 12 months” for some 30-day medications which we take only as needed. Yes, it did make a difference in the estimate if we forgot to enter how frequently we refilled a 30-day medication because the default t...
by harmony
Mon Dec 17, 2018 1:00 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds [Shariah-Compliant]
Replies: 16
Views: 1801

Re: Socially Responsible Funds

Here is Barron's list of sustainable funds compared to the S&P 500 for the year ending Sept. 30, 2017. You will notice two of the Amana funds you listed are shown, #36 and #180. The first 76 funds (shaded in gray) all beat the S&P 500. This is the list for 2017. I haven't found the list for 2018 onl...
by harmony
Tue Nov 27, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: 2018 Taxes: Dinkytown vs. Download Software
Replies: 3
Views: 426

2018 Taxes: Dinkytown vs. Download Software

For anyone who used the dinkytown.net tax calculator throughout 2018 to tax plan and has now downloaded and tried 2018 tax software (i.e. Turbo Tax, H & R Block, etc.) to predict 2018 taxes, what are your observations? How does dinkytown.net stand up to or fall short? Dinkytown was already updated f...
by harmony
Sat Nov 24, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20664

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

I found the link to the federal forms supported for each of the three cheapest versions of the Desktop/Download product. Each list claims that it has Schedule C and Schedule D, and even Form 8949 (for sale of capital assets) for Basic, Deluxe and Premium. What's the point of getting Premium or Delux...
by harmony
Fri Nov 23, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20664

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

Will [edit] H&R block Deluxe and not small business do 1099 income and Schedule C deductions? Small Business states it handles Partnerships and LLC's. Looks like it will and I ordered it. Edited by request for clarity. Premium Download software would handle under 10 deductions and 1099 income. Mayb...
by harmony
Fri Nov 23, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20664

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

Instead of pronouns, (this, it) it might help if we specify download software or online and the title. I know the title of the thread is about Deluxe Software (which I take to mean download), but it might help us stay more organized and helpful if we are specific.
by harmony
Fri Nov 23, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20664

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

I am deleting my post because I hadn't seen the edit upthread before I posted it. Maybe that was because my post is on a new page. I want to make sure that F150HD is able to maintain continuity and get his/her question answered as quickly as possible in context.
by harmony
Fri Nov 23, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20664

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Got Premium on Amazon this morning for $32.50 because we need Schedule C. Perfect I need the self employed version and it’s 50% off right now $32,50 thanks to amazon. The Deluxe version for $18 at Amazon does do schedule C. --vtMaps Good to know. H & R Block’s website is recommending Premium at min...
by harmony
Fri Nov 23, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 267
Views: 20664

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Got Premium on Amazon this morning for $32.50 because we need Schedule C. A few minutes later I received an email from TaxAct offering 25% off on 2018 Self-Employed Edition (reg. $96.90). No, thanks. Last year I couldn’t get TaxAct to produce a Schedule C unless I upgraded to Freelancer. H&R Block p...
by harmony
Sun Nov 18, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: File K1 if not for a calendar year?
Replies: 2
Views: 236

Re: File K1 if not for a calendar year?

Thank you Gill. Yes, I have found a few sites online that suggest that I wouldn’t have needed to file the K-1, and one site that said I would. I’m going to go with Gill and the majority opinion that I’ve found online. The IRS asked for relevant documents that prove my disagreement with their proposa...
by harmony
Sat Nov 17, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: File K1 if not for a calendar year?
Replies: 2
Views: 236

File K1 if not for a calendar year?

I am responding to an IRS CP2000. I think I understand why the IRS sent me this. In 2017 I received a 2016 K-1 with an ending date in 2017. Since the ending date was within 2017 that was the year that I paid the taxes on this. I suspect since I did not include a copy of the K-1 in my 2017 taxes, the...
by harmony
Thu Nov 15, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with RMD - 91 Year Old Mom
Replies: 18
Views: 1576

Re: What to do with RMD - 91 Year Old Mom

Regarding the future taxes question, she could invest it in a tax-deferred interest bearing account now. Then in the year that she first has large un-reimbursed medical expenses (i.e. long-term care) the funds could be distributed and paid to the LTC facility. Her accountant could enter this as a me...
by harmony
Mon Sep 10, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Value if div & share price are all that's known?
Replies: 2
Views: 215

Re: Value if div & share price are all that's known?

Thanks Bogglizer. That's how I did the math too. I wanted to double check before I encouraged the executor to keep looking for this. Paperwork is on the way as I understand it. We've been emailing equations back and forth wondering if we have it right or not.
by harmony
Sun Sep 09, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Value if div & share price are all that's known?
Replies: 2
Views: 215

Value if div & share price are all that's known?

Executors of an estate of which I am an heir have reason to believe an old stock certificate may have been lost. A dividend of $6000 was paid in 2010 (as seen on a line from the decedent’s 2010 tax return). The 2010 annual dividend for the stock was 1.185%. The largest portion of the annual dividend...
by harmony
Fri Jul 13, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Thesaurus Help Please
Replies: 12
Views: 802

Re: Thesaurus Help Please

Carolinaman, Investor seems like the best word to me so far too, but I am not the only one deciding on or financing this tribute, thus the wording needs to meet the approval of a few others. Since this tribute will be in a permanent format which may appear on social media in the future (of which we ...
by harmony
Fri Jul 13, 2018 1:01 am
Forum: Personal Consumer Issues
Topic: Thesaurus Help Please
Replies: 12
Views: 802

Re: Thesaurus Help Please

Not a crossword puzzle, just creating a tribute for a dear friend, where privacy is important; thus a euphemism could work. It should not have a negative connotation though, just a word that would be a little less obvious than investor, or shareholder. FINANCIER would fit, but it’s too specific. A m...
by harmony
Fri Jul 13, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: Thesaurus Help Please
Replies: 12
Views: 802

Thesaurus Help Please

I am looking for a word which is a synonym of, or could be a euphemism for investor or shareholder. It should be longer than investor, but shorter than shareholder; about 9 or 10 letters long. I've googled, but so far haven’t found a word that fits the need. Thank you.
by harmony
Fri Apr 13, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Fender bender in parking lot, he said she said. What's the effect on my going to be?
Replies: 17
Views: 1697

Re: Fender bender in parking lot, he said she said. What's the effect on my going to be?

I was in a similar situation, only mine was the car that wasn’t moving at the moment of impact. In fact I was honking my horn since I saw how distracted the other driver was. I gave a recorded statement to my insurance company in which I stated that I was not moving. I did not want my insurance to h...
by harmony
Wed Apr 11, 2018 10:23 pm
Forum: Investing - Theory, News & General
Topic: Any value investor buying a Russia fund?
Replies: 92
Views: 7689

Re: A good time [price wise] to buy Russian Stocks?

Valuethinker wrote: ↑
Yes Russian managements and controlling shareholders steal from minority shareholders and foreigners. Read Bill Browder's book Red Notice on the death of Serge Magnitsky (his lawyer in Moscow, Browder was a hedge fund manager).
+1
by harmony
Tue Mar 20, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: State Tax ? Resident / Non-Resident
Replies: 3
Views: 355

Re: State Tax ? Resident / Non-Resident

I read the home state out-of-state credit form over again. It says: Only residents with a tax liability in another state . . . may reduce their tax liability by claiming an out-of-state credit. While he will be filing the out-of-state form to get his refund and pay the sales tax due, he had no incom...
by harmony
Tue Mar 20, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: State Tax ? Resident / Non-Resident
Replies: 3
Views: 355

Re: State Tax ? Resident / Non-Resident

Generally he owes a non-resident return to the state for wages where he worked. He also owes a return to his state of residence for all his income; they will usually allow him a credit for taxes paid to the state where he worked. He is responsible for paying any balance due in either state. If ther...
by harmony
Tue Mar 20, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: State Tax ? Resident / Non-Resident
Replies: 3
Views: 355

State Tax ? Resident / Non-Resident

I’m helping a family member with taxes. He is a nonresident of a neighboring state which withheld the correct amount. Normally he would file an out-of-state-credit form from his resident home state to get the proper amount transferred in. However, this year he is due a refund in the nonresident stat...
by harmony
Wed Mar 14, 2018 12:11 am
Forum: Personal Consumer Issues
Topic: Online Phrase Creation Tool
Replies: 2
Views: 348

Re: Online Phrase Creation Tool

Thank you very much. That was sure quick. It didn't create a phrase I could use, but it saved me a whole lot of time trying.
by harmony
Tue Mar 13, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Online Phrase Creation Tool
Replies: 2
Views: 348

Online Phrase Creation Tool

Is there an online tool (not a phone app) which can take 10 letters of my choice and create several short phrases with them? I want to use 10 significant letters to create a gift for a special occasion. It might not create a phrase I can use, but I'd like to give it a try.
by harmony
Mon Mar 12, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 13007

Re: TaxAct and alternatives

Is Audit Defense worth that much? https://www.taxact.com/support/21940/2015/tax-audit-defense-frequently-asked-questions They don’t even review your return first. I would rather have the ability to review my own prior years tax forms and do tax planning for future years though. I got Windows 10 just...
by harmony
Tue Mar 06, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Cheapest way to get spare car keys
Replies: 32
Views: 6112

Re: Cheapest way to get spare car keys

We had that problem with our Honda keys. A family member made a replacement key for one he thought he lost while on a trip. When he got home with the vehicle, the remaining key still at home would no longer work. We took it to our Honda service center to have it reprogrammed. We told the Honda servi...
by harmony
Sun Mar 04, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Questions on 2017 TaxAct Download version
Replies: 1
Views: 219

Re: Questions on 2017 TaxAct Download version

We hardly ever use the interview questions, so we always get the download version of TaxAct so we can get right to work on the forms. For 2017, I first ordered Plus, but when I couldn’t get a Schedule C to load up, I called TaxAct and they said that if I need to do a Schedule C I would need to get F...
by harmony
Sun Mar 04, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question: Foreign Tax Credit & Capital Gains
Replies: 10
Views: 810

Re: Tax question: Foreign Tax Credit & Capital Gains

I have a situation somewhat similar to yours. However, I only owned the funds (an inheritance) from Jan. - May 2018, so maybe not enough time for any foreign tax to be applied. For the period of 2018 before I sold, I did earn some dividends, but no capital gains. When I look at the 1099-DIV I see Bo...
by harmony
Sat Mar 03, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: CD - Early Withdrawal and Reinvest
Replies: 11
Views: 1155

Re: CD - Early Withdrawal and Reinvest

The fine print I am picking up for some of the more attractive rates on “special certificates” is a full year of interest penalty for early withdrawals. No wonder they seemed so competitive. This isn’t always stated on their websites. I had to call to find this out.
by harmony
Fri Mar 02, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Part-Time or seasonal jobs - Feed The ROTH
Replies: 13
Views: 1462

Re: Part-Time or seasonal jobs - Feed The ROTH

If you are on a ranch (or have access to a suburban garden), find the crop you enjoy cultivating and sell the excess in your farmer’s market. If you grow tomatoes you won’t need to be so careful about when you harvest them. They are the least labor-intensive edible that we have grown in our garden. ...
by harmony
Fri Mar 02, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Big umbrella increase: anyone else's risen dramatically?
Replies: 26
Views: 2982

Re: Big umbrella increase: anyone else's risen dramatically?

Does a son or daughter keep his/her own car (which they insure themselves) garaged on your property? This fine distinction made a difference on our umbrella premium. Our umbrella policy's fine print includes extended liability coverage for all family members who reside with us, evidenced by their ke...
by harmony
Wed Feb 28, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5630

Re: What age is too old to stop hostelling?

I hosteled in the UK for several weeks on a road trip with some friends many years ago when we were all in our twenties. Those memories meld together in a seamless flow of some of the most wonderful experiences of my life. There was one exception though. We were asleep in a dorm-style hostel near Ab...
by harmony
Wed Feb 28, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: TreasuryDirect website and 1099-INT taxable bonds
Replies: 7
Views: 1137

Re: TreasuryDirect website and 1099-INT taxable bonds

Thank you for posting this. I made a note of this since I sold some I-bonds in January of this year so I’ll be looking for the 1099-INT next January. Are you saying Treasury Direct did not mail you a 1099-INT tax form this January for EE bonds that you sold in 2017?
by harmony
Sat Feb 24, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 87
Views: 4863

Re: Misc Income [how to report with no 1099]

Well at least they gave you the information upfront so you could look it up for yourself and plan for it. https://www.investopedia.com/terms/h/honorarium.asp Maybe you had to pay self-employment taxes, but you could deduct your expenses. (Not asking, though.) An independent contractor usually draws ...
by harmony
Sat Feb 24, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 87
Views: 4863

Re: Misc Income [how to report with no 1099]

With all due apologies/gratitude to the OP, I will try to respond quickly to CollegePrudens. If your W-2 job and 1099-MISC are from the same univeristy, then I’d certainly question the reason for a separate 1099. If your W-2 and 1099 came from different sources and you believe you do not meet the de...
by harmony
Sat Feb 24, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Inherited stocks, what would you do?
Replies: 20
Views: 2112

Re: Inherited stocks, what would you do?

I probably would long forget the capital loss for tax purposes before I would be able to take advantage of that. . . If my short term investment gives a small gain, I guess that will be offset by the current loss on the stock shares now. Net capital losses can be used to offset ordinary income. You...
by harmony
Fri Feb 23, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 87
Views: 4863

Re: Misc Income [how to report with no 1099]

^If OP follows the instructions for filling out Schedule C, he will be instructed to claim his expenses. When he does this the IRS may well take an interest. In the court case referenced above, the person tried to claim some expenses against his low income. This got the IRS’ attention. Why should OP...
by harmony
Fri Feb 23, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 87
Views: 4863

Re: Misc Income [how to report with no 1099]

If FICA compliance is too much, then in the future, the business owner should go through a temp agency and have them do the HR work. It’s not just one week of work in principle because the business owner has already asked the OP to be a fill-in in the future. OP can do whatever he wants this year, b...
by harmony
Fri Feb 23, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 87
Views: 4863

Re: Misc Income [how to report with no 1099]

This year sets a precedent and the likely expectation on the part of the business owner of the continuance of the status quo going forward. It depends whether the OP still wants to work with this person and under what presumptions. Do line 21 this year and that's what the business owner will expect ...
by harmony
Fri Feb 23, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 87
Views: 4863

Re: Misc Income [how to report with no 1099]

^because on Wednesday OP posted this:
However, I have asked my neighbor to talk to her accounting about making me a part-time employee since she has asked if I could fill-in in the future...