Search found 4134 matches

by munemaker
Wed Jun 17, 2020 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Questions: Unemployment Compensation for Substitute Teacher
Replies: 2
Views: 260

Re: Questions: Unemployment Compensation for Substitute Teacher

At some point unemployment runs out. The extra $600/week is currently thru end of July, and most states have a limit on number of weeks they pay. So at some point it will stop no matter if she keeps signing up or not. Mike Yes, the $600/week runs out in July. From what I have read, the regular PA U...
by munemaker
Wed Jun 17, 2020 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Questions: Unemployment Compensation for Substitute Teacher
Replies: 2
Views: 260

Questions: Unemployment Compensation for Substitute Teacher

Background: No one in our immediate or extended family has ever collected unemployment compensation, so we do not have a good understanding of how the system works and the various rules. My wife is an (unemployed) substitute teacher in PA. She is classified as an "emergency sub," meaning she is not ...
by munemaker
Fri Apr 24, 2020 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

Finally today, I did not get the message: “Payment status not available”. Received a message to enter bank account info. Home free, I thought. WRONG! They wanted to know if I received a refund. Well, I overpaid and credited the overpayment toward next years taxes. I entered the amount I overpaid as...
by munemaker
Fri Apr 24, 2020 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

Finally today, I did not get the message: “Payment status not available”. Received a message to enter bank account info. Home free, I thought. WRONG! They wanted to know if I received a refund. Well, I overpaid and credited the overpayment toward next years taxes. I entered the amount I overpaid as ...
by munemaker
Sat Apr 18, 2020 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

I collect SS and filed a tax return. I owed and did not provide banking info. Using the Get My Payment, I supplied my banking info for Direct Deposit. The next day I checked the site and it said I did qualify for the stimulus, but to check later for payment status. A couple days later it said my ch...
by munemaker
Sat Apr 18, 2020 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

Many of us can't even get to the point where we have an opportunity to input tax return info. My suggestion is to keep trying, once per day, until you get in. We are only at the beginning of the start of this process. For example, as far as I can tell the IRS may be quite far along in the process o...
by munemaker
Sat Apr 18, 2020 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

:annoyed We get SS and will easily get the full amount. From what I understand, SS people will get it direct deposited just like a SS payment starting 4/17 and last about 5 days. (business days perhaps) Does this apply to SS people who also file a tax return, or only those SS recipients who do not ...
by munemaker
Sat Apr 18, 2020 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

You can give them your bank info at the IRS web site if you wish a direct deposit. No, I can't. The IRS does not give me the opportunity to enter my bank information. That's what started this thread. Doing some more online research, it sounds like they might use my bank info from my SS payments. If...
by munemaker
Sat Apr 18, 2020 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

You can give them your bank info at the IRS web site if you wish a direct deposit. No, I can't. The IRS does not give me the opportunity to enter my bank information. That's what started this thread. Doing some more online research, it sounds like they might use my bank info from my SS payments.
by munemaker
Sat Apr 18, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

We mailed our tax return that was completed by hand in early February and got our refund before March. We got our stimulus payment this week. I am delighted for you. However, it does not relate at all to our situation. Thanks It was in response to the idea insinuated by another poster that mailed t...
by munemaker
Sat Apr 18, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

We get SS and will easily get the full amount. From what I understand, SS people will get it direct deposited just like a SS payment starting 4/17 and last about 5 days. (business days perhaps) Does this apply to SS people who also file a tax return, or only those SS recipients who do not file a ta...
by munemaker
Sat Apr 18, 2020 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

willthrill81 wrote:
Sat Apr 18, 2020 10:34 am
We mailed our tax return that was completed by hand in early February and got our refund before March. We got our stimulus payment this week.
I am delighted for you. However, it does not relate at all to our situation.

Thanks
by munemaker
Sat Apr 18, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

My goal is to get the largest possible stimulus payment. Yes, I get that I could file my 2019 taxes anytime, but I would be short changing myself on the stimulus payment. If I file my 2019 taxes with an AGI of $160,000, they I would not be eligible for the full stimulus payment, would I? Thanks for...
by munemaker
Sat Apr 18, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

I am fine with a check months from now if necessary. I would be fine with a check months from now too. Problem is, if the checks come out after my 2019 return is filed, I won't be getting a check. I either have to receive the payment prior to the July 15 due date for 2019 returns, or delay filing m...
by munemaker
Sat Apr 18, 2020 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

We get SS and will easily get the full amount. From what I understand, SS people will get it direct deposited just like a SS payment starting 4/17 and last about 5 days. (business days perhaps) Does this apply to SS people who also file a tax return, or only those SS recipients who do not file a ta...
by munemaker
Sat Apr 18, 2020 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

I also mailed mine in (done by hand.) The IRS has stopped processing paper until employees can work on paper safely again. Imho, that is months away. I don't believe they processed mine yet because the transcript thing does not have it. I had mailed mine in mid-March. I don't think your comment app...
by munemaker
Sat Apr 18, 2020 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

Filing for an extension is trivial, but you must put your expected tax liability on the form and at least pay that amount. Yes, it would delay the final filing of your tax return to October if that is what you wanted to do, but you could also file it anytime before then if you wanted. I will probab...
by munemaker
Sat Apr 18, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Re: Please Help Us Get Our Stimulus Payment

I have a suspicion that if you owed in 2018/2019, its going to be a crapshoot over the next few months when we get our checks in the mail... Just to clarify, I did not owe in 2018. I had a refund which I applied to 2019 taxes. I have not filed 2019 taxes yet. People who got refunds direct deposited...
by munemaker
Sat Apr 18, 2020 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Please Help Us Get Our Stimulus Payment
Replies: 59
Views: 4771

Please Help Us Get Our Stimulus Payment

I checked the IRS site (GET MY PAYMENT) for stimulus status and keep getting the message that they can't make a determination of my payment - I don't remember the exact words but something to that effect. Our 2018 joint return had an AGI of $40,000; we were keeping our AGI low to qualify for ObamaCa...
by munemaker
Sat Mar 14, 2020 9:22 pm
Forum: Personal Consumer Issues
Topic: Tire question on AWD car
Replies: 14
Views: 909

Re: Tire question on AWD car

Thanks everyone for your advice. I decided I am just going to basically do nothing. Continue with one brand new tire on one side and the other 3 tires with 14,000 miles. And continue rotating them every 5,000 miles per the manual. I don't think anything bad will happen, but if it does, I will just d...
by munemaker
Sat Mar 14, 2020 12:06 pm
Forum: Personal Consumer Issues
Topic: Tire question on AWD car
Replies: 14
Views: 909

Tire question on AWD car

I was driving from Florida to PA when, in very heavy traffic, I ran over something that punctured one of my tires. The tires are "run flat" type and that enabled me to reach a rest area where I could safely put on the donut spare. The car is a Mazda CX-5 that has 14,000 mile on it. The tire was too ...
by munemaker
Mon Feb 24, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Guitar for a 45 year old beginner
Replies: 52
Views: 4035

Re: Guitar for a 45 year old beginner

I played a bit as a teen ager, and am getting back into it as a retiree. This does not answer your question but might help. To me, as a beginner, a guitar being easy to play is more important than having excellent tone. "Action" describes the distance between the strings and the fretboard. Make sure...
by munemaker
Mon Feb 24, 2020 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Attn: Social Security Experts **question**
Replies: 33
Views: 3206

Re: Attn: Social Security Experts **question**

Because the W2 information is not required until March 31st. I am surprised that programs updating statement data would be done already. According to the Internal Revenue Service, W-2 forms should be mailed out to employees by no later than January 31 for forms derived from the previous calendar ye...
by munemaker
Mon Feb 17, 2020 6:09 pm
Forum: Investing - Theory, News & General
Topic: International Equity Fund Prices When US Market is Closed
Replies: 3
Views: 420

International Equity Fund Prices When US Market is Closed

Do prices on international equity mutual funds update on days when the US market is closed?

Should they?
by munemaker
Thu Dec 26, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 79944

Re: Fidelity Free Turbotax 2019

New to Fidelity. Will this come with a free state download, or is this freebie just Federal? ...I don't think anyone has been able to definitively determine what the criteria is to receive the offer. No mystery. The criteria is on the Fidelity website. You need to have $25,000 with them and make at...
by munemaker
Thu Dec 19, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 895
Views: 298045

Re: Retiree Portfolio Model

Bigfoot: You released an update on 01/01/2019. Is any such update planned for 01/01/2020? Yes, unless there's an asteroid strike (or something worse!) before then, I have 20.0 about ready to go for a 1/1/20 release. No major changes this year just 2020 factors updates and minor enhancements. Fantas...
by munemaker
Tue Dec 17, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 895
Views: 298045

Re: Retiree Portfolio Model

Bigfoot:

You released an update on 01/01/2019. Is any such update planned for 01/01/2020?
by munemaker
Mon May 13, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: I just do not understand how some think.
Replies: 22
Views: 3231

Re: I just do not understand how some think.

I am often puzzled by how relatives and friends think. Sometimes their thinking can be explained by circumstances that are much different than ours, but most of the time it comes down to either a lack of understanding (of how the system works) or a lack of self discipline (i.e. immediate gratificati...
by munemaker
Mon May 13, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know of anyone who has used this tax saving strategy?
Replies: 28
Views: 3870

Re: Do you know of anyone who has used this tax saving strategy?

If I need the money, I'm sure not going to gift it in such a scheme. If I don't need the money and my parents do, I'll just gift it with no strings (or profit expectations) attached. I think this would be for people who do not need the money, and their parents do not need it either, i.e. "family mo...
by munemaker
Mon May 13, 2019 1:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19269
Views: 2675934

Re: Dip Day!

kaeltor wrote:
Mon May 13, 2019 1:03 pm
Time2Quit wrote:
Mon May 13, 2019 12:26 pm
Looks like it may qualify for RBD. 😬
What is an RBD ?
It is the opposite of a Really Good Day!
by munemaker
Mon May 13, 2019 1:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19269
Views: 2675934

Re: U.S. stocks in free fall

michaeljmroger wrote:
Mon May 13, 2019 12:57 pm
I lost close to $40,000 today.
"Easy come, easy go" I always say.
by munemaker
Mon May 13, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 65
Views: 16055

Re: Home Air Filters

How often do you replace them and where do you get them? I've heard that you're suppose to replace them every three months. My house has 4 of them, so if I pay $15 / each that would be $240 / year. I was changing them twice during the heating season. Then I read the owner's manual for the furnace, ...
by munemaker
Sun May 12, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know of anyone who has used this tax saving strategy?
Replies: 28
Views: 3870

Re: Do you know of anyone who has used this tax saving strategy?

If I need the money, I'm sure not going to gift it in such a scheme. If I don't need the money and my parents do, I'll just gift it with no strings (or profit expectations) attached. I think this would be for people who do not need the money, and their parents do not need it either, i.e. "family mo...
by munemaker
Sun May 12, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know of anyone who has used this tax saving strategy?
Replies: 28
Views: 3870

Re: Do you know of anyone who has used this tax saving strategy?

OK, I looked back and found the article. It was published in Barrons on May 7, so it is probably behind a paywall. https://www.barrons.com/articles/upstream-planning-tax-dodge-51556918447 Here is a quote from the article: The maneuver is simple: You give a highly appreciated asset—such as stocks tha...
by munemaker
Sun May 12, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know of anyone who has used this tax saving strategy?
Replies: 28
Views: 3870

Do you know of anyone who has used this tax saving strategy?

I read this recently in a well respected business publication...don't remember which one but I could probably find it. The strategy goes like this. Gift your appreciated assets to your parents. When they pass, presumably before you, you inherit the assets with a stepped up basis so you pay not feder...
by munemaker
Sun May 12, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Dale Carnegie training
Replies: 23
Views: 2874

Re: Dale Carnegie training

I took the course many years ago, and it helped me. It only helps you if you go into it with the attitude you want to improve yourself. Like any training, if you do not apply the lessons learned fairly quickly, the training is lost. They do require quite a bit of public speaking about personal exper...
by munemaker
Thu May 09, 2019 10:24 am
Forum: Investing - Theory, News & General
Topic: Stocks really "Chernobyl" risky for people near/in retirement?
Replies: 23
Views: 3135

Re: Stocks really "Chernobyl" risky for people near/in retirement?

The stock market is very risky in the short term, but has actually quite safe in the long term.
by munemaker
Thu May 09, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Remind me why we have Medicare supplement
Replies: 26
Views: 4412

Re: Remind me why we have Medicare supplement

Here's why: I have been healthy with just a small medial claim here and there. Then late last year, I developed some symptoms. My PCP had a hard time diagnosing and sent me to specialists: an internist, urologist and ultimately a surgeon. They ordered a bunch of diagnostics: two ultrasounds, two CT ...
by munemaker
Thu May 09, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Recycling Different Plastics
Replies: 76
Views: 5300

Re: Recycling Different Plastics

This varies locally. Contact your municipal government or trash hauler.
by munemaker
Wed May 08, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Filing for a Restricted SS Claim
Replies: 16
Views: 1151

Re: Filing for a Restricted SS Claim

I would gather all of your documents and go in person... I avoid going to the SS in person. I went to our office once with my wife. It is a dreary place and most of the clientele there seemed to be kind of shady. And that doesn't even factor in the time that was wasted driving in, parking and waiti...
by munemaker
Wed May 08, 2019 10:54 am
Forum: Personal Investments
Topic: Voya financial - Why would anyone use them?
Replies: 40
Views: 5246

Re: Voya financial - Why would anyone use them?

Compared to vanguard, Schwab, and Fidelity, every fund was so pricey!!! You can't really compare an employer plan to funds you buy as an individual. There are a lot of extra costs forced on to an employer retirement plan, such as extra record keeping, reporting and external audit. Sometimes the emp...
by munemaker
Tue May 07, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: wedding gift value
Replies: 80
Views: 5154

Re: wedding gift value

I havent been to many weddings but I do like the rule of thumb of covering the cost of your plate. According to that rule, staying home should be an appropriate gift. I not a big fan of weddings. I'd be willing to pay double (or even triple) the "plate charge" to get out of going. I feel the same, ...
by munemaker
Tue May 07, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 15494

Re: Shingrix [Vaccine availability]

After having my name on a waiting list for what seems like forever, I was finally notified yesterday that it is available at our pharmacy. I got the shot today. Hopefully I can get the second dose on time.
by munemaker
Tue May 07, 2019 8:34 am
Forum: Personal Investments
Topic: Vanguard, Fidelity and cybercriminals
Replies: 13
Views: 2590

Re: Vanguard, Fidelity and cybercriminals

Maybe I missed it, but the article did not say how the systems were infected. I am retired now, but this happened to my employer when I was working there. Our system became infected from an employee opening an email attachment. That's all it took. And yes, we did have virus protection installed. We...
by munemaker
Tue May 07, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Worth claiming life insurance death benefit?
Replies: 31
Views: 3858

Re: Worth claiming life insurance death benefit?

FINAL UPDATE OK, deposited the check that was made out to the estate of the deceased into our personal account and it cleared. All that remains is to distribute to the beneficiaries. An internet search shows that many banks will not accept deposits of checks made out to estates into a personal accou...
by munemaker
Mon May 06, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best Book on Medicare?
Replies: 6
Views: 761

Re: Best Book on Medicare?

https://www.amazon.com/Medicare-Dummies-Business-Personal-Finance/dp/1119348870/ref=sr_1_1?crid=26BO5PXIM0P1Q&keywords=medicare+for+dummies+2019&qid=1557191990&s=books&sprefix=medicare+%2Caps%2C185&sr=1-1 Currently less than $10 on Amazon I agree. MEDICARE FOR DUMMIES is very comprehensive. Highly ...
by munemaker
Mon May 06, 2019 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Worth claiming life insurance death benefit?
Replies: 31
Views: 3858

Re: Worth claiming life insurance death benefit?

Check was $535 which included $35 in interest (no idea how they calculated that). Donated it all to Alzheimer's. How did you deal with the check? Did you deposit it into the estate account or your personal account? In our case, there was no explanation of how much is death benefit and how much is i...
by munemaker
Mon May 06, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Worth claiming life insurance death benefit?
Replies: 31
Views: 3858

Re: Worth claiming life insurance death benefit?

UPDATE Wanted to update the status on this, and it may possibly not be final. Our local library was able to find some evidence of the relative's father's death in the form of a printout from a grave site database that included the date of his birth and death. We sent that with the death certificate,...
by munemaker
Mon May 06, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Winter Tires All Year?
Replies: 62
Views: 5052

Re: Winter Tires All Year?

The downside of leaving winter tires on for the summer is they are noisy and wear quicker on dry roads. But hey, with the little bit you drive, who cares?