Search found 1511 matches

by Tamales
Tue Apr 06, 2021 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else see drastic increase in Zillow value today?
Replies: 132
Views: 12681

Re: Anyone else see drastic increase in Zillow value today?

Zillow values around here keep changing upwards every day or every other day (though today was bigger increase than usual). Since we are soon to be sellers, I am watching it daily. We had 6 realtors coming in last week to compete for our business. We talked briefly about Zillow zestimates as well. ...
by Tamales
Tue Mar 30, 2021 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 420
Views: 51065

Re: Tales from this insane real estate market

[...] They attribute the red hot demand to: ... - Millions of millennials are aging into their prime-homebuying years in their 30s I don't get their comment on this point. "Millennials" is just a made-up grouping; the definitions of what birth year range it covers aren't even consistent. ...
by Tamales
Tue Mar 30, 2021 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: estimate of home value on real estate sites, which site (if any) is 'most accurate'?
Replies: 22
Views: 2698

Re: estimate of home value on real estate sites, which site (if any) is 'most accurate'?

I would imagine these estimates are most accurate for newer homes, where on-site inspection/appraisal is less relevant because everything is still in good condition and no renovation costs need to be factored in. In the current housing market where crazy unpredictable bidding wars happen, no algorit...
by Tamales
Mon Mar 15, 2021 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-DIV line 11 exempt interest dividends, entry into tax software
Replies: 2
Views: 287

1099-DIV line 11 exempt interest dividends, entry into tax software

When entering 1099-DIV line 11 "exempt interest dividends" per payer into tax software, is this number used for anything for federal tax calculation purposes (other than the sum of all your 1099-DIV line 11 entries goes to 1040 line 2a)?
by Tamales
Sun Mar 14, 2021 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: H&RB tax software first-time user, help with importing pdf
Replies: 6
Views: 281

Re: H&RB tax software first-time user, help with importing pdf

I ended up stripping down my large pdf to just the federal forms that were filed, since I figured it would have to be able to read those forms at a minimum. It appears to have read all the federal forms fine. In the import pdf, I also included the state forms I filed last year, but I don't think it ...
by Tamales
Sat Mar 13, 2021 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: H&RB tax software first-time user, help with importing pdf
Replies: 6
Views: 281

Re: H&RB tax software first-time user, help with importing pdf

Livesoft: I'd rather not fumble around trying to figure out what to delete and how, or what didn't get imported right. The answer to my question must exist somewhere. The software has to have designed limitations in what it can properly import from pdf. CABob: HRB's website says it can only import H...
by Tamales
Sat Mar 13, 2021 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: H&RB tax software first-time user, help with importing pdf
Replies: 6
Views: 281

H&RB tax software first-time user, help with importing pdf

Using H&R Block Deluxe download version for the first time. I can't find much info on what can and cannot be in the pdf used to import data from last year. Previous years I used Taxact, and it allowed me to create a pdf that has all the federal forms, schedules, worksheets, 1099's, etc (about 14...
by Tamales
Mon Mar 01, 2021 11:07 am
Forum: Personal Finance (Not Investing)
Topic: What's the deal with USAA's delays in making 1099's available?
Replies: 18
Views: 1491

Re: What's the deal with USAA's delays in making 1099's available?

USAA 1099's finally available online. Probably worth checking if it matches the last statement.
by Tamales
Sun Feb 28, 2021 1:36 pm
Forum: Personal Consumer Issues
Topic: USPS tracking info never updates
Replies: 35
Views: 2342

USPS tracking info never updates

The last several things I've ordered and that were being delivered by USPS seem to hit a tracking black hole a couple days after USPS takes possession of the package. No updates of anything, other than to say "in transit, arriving late." The previous items took over 2 weeks, and the curren...
by Tamales
Sat Feb 20, 2021 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's the deal with USAA's delays in making 1099's available?
Replies: 18
Views: 1491

Re: What's the deal with USAA's delays in making 1099's available?

Could be a reasonable guess, and that would have been simple enough for them to say on their website if it's related to the storms. But since USAA seems to have outsourced everything, I wonder if they have any servers and other infrastructure in Texas. Website and account access has been uninterrupt...
by Tamales
Sat Feb 20, 2021 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's the deal with USAA's delays in making 1099's available?
Replies: 18
Views: 1491

What's the deal with USAA's delays in making 1099's available?

First they promised me Feb 12th when I called, then it was the 16th, and now it's indeterminate. But no explanation of what's wrong or when they will fix their problem. Anyone call and get a more detailed answer?
by Tamales
Sat Feb 20, 2021 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block software bug: tax-exempt interest with bond premium and accrued interest
Replies: 28
Views: 2004

Re: H&R Block software bug: tax-exempt interest with bond premium and accrued interest

I'll be using H&RB for the first time this year (download version). Is this only an issue if you hold individual bonds, and is not relevant if you only hold bond funds and/or muni funds?
by Tamales
Wed Feb 17, 2021 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 221
Views: 25824

Re: Disturbing experience with Ally Bank

Not that it helps now, but it's generally better to "push" from the origin bank, less likely to trip fraud algorithms (this is fairly well known in the bank bonus community as they move money often). Chase is notorious for doing this. As a member of the bank bonus community, I wholehearte...
by Tamales
Wed Feb 17, 2021 12:05 am
Forum: Personal Consumer Issues
Topic: Why are some grocery store items available for in-store pickup only (not curbside pickup)?
Replies: 9
Views: 999

Why are some grocery store items available for in-store pickup only (not curbside pickup)?

Maybe someone here knows the reason they do this selectively. I've even run into cases where items I could previously order with curbside pickup are changed to in-store pickup only.
by Tamales
Sun Feb 14, 2021 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 Stimulus Payment for Deceased Parent
Replies: 12
Views: 1722

Re: 2020 Stimulus Payment for Deceased Parent

cessna210, you must have missed it, I included that link to question B12 in my earlier reply. Apparently people pointed out to Treasury that their interpretation didn't comport with the language in the law. I suppose they could have done nothing, and none of the few affected taxpayers would likely g...
by Tamales
Sun Feb 14, 2021 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 Stimulus Payment for Deceased Parent
Replies: 12
Views: 1722

Re: 2020 Stimulus Payment for Deceased Parent

Thanks for the update. I wonder when the IRS changed its guidance? >>Based on this IRS webpage, guidance was issued 2/5/21 (but I read articles about this before 2/5 so it took them a while to publish it): https://www.irs.gov/newsroom/recovery-rebate-credit-topic-b-eligibility See question B12's an...
by Tamales
Sun Feb 14, 2021 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 Stimulus Payment for Deceased Parent
Replies: 12
Views: 1722

Re: 2020 Stimulus Payment for Deceased Parent

In TurboTax, I entered both stimulus payments as $0. I was surprised that the current version of TT tried to pay the rebate again even though the taxpayer is deceased. I edited the "Recovery Rebate Credit Worksheet" to $0 on lines 5 and 8 ($1200 + $600). TurboTax is probably doing it righ...
by Tamales
Wed Jan 20, 2021 9:01 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 index funds: not diversified enough
Replies: 26
Views: 5567

Re: S&P 500 index funds: not diversified enough

An interesting visual comparison can be had using Stockcharts.com's 'perf chart" tool. This is RSP vs SPY vs VTI https://stockcharts.com/freecharts/perf.php?rsp%2C%20spy%2C%20vti I think you can do this without a subscription (someone without a subscription please post whether you can do the be...
by Tamales
Tue Jan 19, 2021 9:31 pm
Forum: Personal Investments
Topic: modest inheritance coming?
Replies: 15
Views: 2724

Re: modest inheritance coming?

Sorry for your loss. That must have been very difficult, both in the same year. Is your parents source account (just a single account?) an IRA or an after-tax account? Are there any capital gains/losses or other tax issues that need to be figured out for your parent's 2020 final taxes, before the di...
by Tamales
Sat Jan 16, 2021 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Annual limits on cash gifts and taxes
Replies: 26
Views: 1318

Re: Annual limits on cash gifts and taxes

Form 709 does appear to be a pain to prepare, but maybe that's because it combines other things that may all end up blank. Does anyone know, if you have to file form 709 once, does that trigger a requirement to file it every year thereafter, so the IRS has an unbroken annual chain of your gifts even...
by Tamales
Sat Jan 16, 2021 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Annual limits on cash gifts and taxes
Replies: 26
Views: 1318

Re: Annual limits on cash gifts and taxes

TurboTax does not support Form 709. According to this: https://kb.drakesoftware.com/Site/Browse/12044/709-Cannot-Be-Efiled you cannot e-file form 709. I guess that means even if a tax software package supports filling it out, you have to mail it. Digital signatures are temporarily being accepted fo...
by Tamales
Sat Jan 16, 2021 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Annual limits on cash gifts and taxes
Replies: 26
Views: 1318

Re: Annual limits on cash gifts and taxes

This article covers it pretty well: https://www.nerdwallet.com/article/taxes/gift-tax-rate Even if you exceed $15k annual you just trigger some IRS paperwork to keep track of amounts above the exclusion, not any additional taxes owed unless you also exceed the lifetime max of ~11.7 million. I've nev...
by Tamales
Fri Jan 15, 2021 9:40 pm
Forum: Investing - Theory, News & General
Topic: Looking for stats: Average/Median age when $1M networth (household) is attained?
Replies: 63
Views: 7816

Re: Looking for stats: Average/Median age when $1M networth (household) is attained?

It's also a moving target. Assuming such a statistic were available for all birth years, someone born in say 1960 and representing the median millionaire attainment age in this group probably hit that $1M at a much later age than the median person in this group who was instead born in the mid 1980s....
by Tamales
Sun Jan 10, 2021 11:53 am
Forum: Investing - Theory, News & General
Topic: $1 million to be spent down $50k/year over 20 years?
Replies: 46
Views: 6131

Re: $1 million to be spent down $50k/year over 20 years?

You're going to need to account for taxes on gains, whether interest or cap gains, and as far as accounting for "inflation," while you may account for a bulk population inflation number using TIPS or whatever, that may be vastly different from your personal inflation rate, depending on wha...
by Tamales
Sun Jan 03, 2021 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Take a guess: how much does the average BH earn?
Replies: 32
Views: 2902

Re: Take a guess: how much does the average BH earn?

What number am I thinking of? Take a guess.

(and there are about a dozen questions that could be asked about that simple but ambiguous question)
by Tamales
Sun Jan 03, 2021 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: How IRS keeps track of my 401k and IRA investments?
Replies: 36
Views: 3258

Re: How IRS keeps track of my 401k and IRA investments?

I would just add that it's not that uncommon for seniors to have no clue what RMDs are, and they could go years without taking RMDs on some accounts, and may have many years of unopened statements. So, collecting RMDs would be one reason for the IRS to have knowledge of all applicable retirement acc...
by Tamales
Fri Jan 01, 2021 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank Virtual Account Numbers (VAN) going away?
Replies: 47
Views: 4956

Re: Citibank Virtual Account Numbers (VAN) going away?

I'm a heavy user of VAN (previously the windows version, now the online version since they discontinued the former). Nearly 100% of charges on my citi card during the pandemic have used VAN. I generally set them for 2 month duration so I haven't been affected by the reduction to 7 months max. I'm no...
by Tamales
Thu Dec 31, 2020 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: So what kind of raise did you guys get for 2021?
Replies: 222
Views: 16882

Re: So what kind of raise did you guys get for 2021?

I don't even know how I'd calculate such a thing since there are so many variables in my total compensation. The question presumes a simple compensation structure when in reality, companies are all over the map on what they use for compensation besides base salary, and what it's tied to, and whether...
by Tamales
Thu Dec 31, 2020 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Year End Expense Summary, Suggestion?
Replies: 2
Views: 291

Re: Year End Expense Summary, Suggestion?

You have to decide what you want to do with these numbers so you can determine if these categories are too broad. Otherwise they are just 'gee whiz' numbers with no real purpose. As mentioned, you should separate recurring (e.g. weekly, monthly, annual) from other expenses that are on a longer and n...
by Tamales
Wed Dec 23, 2020 10:16 pm
Forum: Personal Consumer Issues
Topic: Screen recording and narration software?
Replies: 5
Views: 312

Screen recording and narration software?

I'm looking for some software to record my screen, with narration, and that allows you to zoom in to sections of the screen and highlight certain things. Just as an example, this youtube video of an excel vlookup tutorial: https://www.youtube.com/watch?v=d3BYVQ6xIE4 (skip over the camera shots of th...
by Tamales
Sat Dec 19, 2020 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: IRS underpayment safe harbor re: prior year tax
Replies: 5
Views: 478

Re: IRS underpayment safe harbor re: prior year tax

OK thanks. I couldn't find a 2019 form 1040 on the irs website to link to. They have the 2020 form 1040 (which is different), and the 2018 and before, but 2019 is missing.
by Tamales
Sat Dec 19, 2020 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: IRS underpayment safe harbor re: prior year tax
Replies: 5
Views: 478

IRS underpayment safe harbor re: prior year tax

Can someone confirm that one way to be certain in advance that you will not owe an underpayment penalty (for 2020 federal taxes) is if, in the current year, you will (by 12/31) have federal tax withheld that is at least 100% (or 110% for higher incomes) of the amount on 2019 form 1040 line 16?
by Tamales
Sun Dec 06, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank-contingent beneficiaries on non-IRA accounts
Replies: 4
Views: 490

Re: Ally Bank-contingent beneficiaries on non-IRA accounts

I have been unable to name contingent beneficiaries with any CD/savings/checking bank account, not just Ally. That's been my experience as well. Maybe it has something to do with contingent beneficiaries would complicate the FDIC protection limits across accounts? Also I would add it's not universa...
by Tamales
Sat Dec 05, 2020 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960
Replies: 120
Views: 10373

Re: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960

It might be useful if the moderators added a note to neurosphere's first post in this thread, something like: The official AWI number for those born in 1960 that is the core topic of this thread will not be known until Q4 of 2021. It will be included in this history table: https://www.ssa.gov/OACT/C...
by Tamales
Fri Dec 04, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: I've had it with TaxAct. Tell me about switching to H&R Block for 2020 taxes
Replies: 12
Views: 1333

Re: I've had it with TaxAct. Tell me about switching to H&R Block for 2020 taxes

OP here.
re: H&RB premium vs deluxe, assuming either would work for the forms I'd file in 2020, is it correct that for a 1st time user of H&RB's tax software, the enhanced interview and help files should be beneficial and worth the few bucks more for premium (for my 1st year of use anyway)?
by Tamales
Thu Dec 03, 2020 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: I've had it with TaxAct. Tell me about switching to H&R Block for 2020 taxes
Replies: 12
Views: 1333

I've had it with TaxAct. Tell me about switching to H&R Block for 2020 taxes

I've put off switching from TaxAct (Premier; download version), which I've used for years, but I've had it. I cannot access my Taxact account, and their phone support has a message essentially saying 'we get too many calls so phone support is no longer available' and there's no live chat available, ...
by Tamales
Wed Dec 02, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: Replacement Wi-Fi 6 Router
Replies: 53
Views: 5232

Re: Replacement Wi-Fi 6 Router

Additionally WiFi 6 is gong to be replaced by 6E . In about 2+ years. Maybe. Not useful for making a decision today. I believe WiFi 6E routers are beginning to trickle out already (Asus announced one in september but I don't know if it can be purchased yet), but should be more in Q1-2021 and beyond...
by Tamales
Mon Nov 30, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Anyone use excel with a large (100,000 row) spreadsheet?
Replies: 14
Views: 1369

Re: Anyone use excel with a large (100,000 row) spreadsheet?

Thanks for the replies. I got a new file from the source since he had the same issues. All works fine now (e.g. insert column, add 2-level IF statement, double click the fill handle, fills all 100k rows in under a second). His explanation was very brief on what the problem was, but it seems it had t...
by Tamales
Sun Nov 29, 2020 10:58 pm
Forum: Personal Consumer Issues
Topic: Anyone use excel with a large (100,000 row) spreadsheet?
Replies: 14
Views: 1369

Re: Anyone use excel with a large (100,000 row) spreadsheet?

1. Insert new column. 2. Select top cell in adjacent (filled column) use CTRL + DOWN to navigate to the bottom of the filled column. 3. Move left or right to Select bottom cell in new column, enter a character, 0, e.g. CTRL + UP to navigate back to the top of your table. 4. Type formula into top of...
by Tamales
Sun Nov 29, 2020 9:44 pm
Forum: Personal Consumer Issues
Topic: Anyone use excel with a large (100,000 row) spreadsheet?
Replies: 14
Views: 1369

Re: Anyone use excel with a large (100,000 row) spreadsheet?

elcadarj wrote: Sun Nov 29, 2020 9:36 pm Try hot key combo: CTRL + SHFT + DOWN.
I'm not sure I follow. Doesn't that just select cells (and selects the column down the entire sheet if the rows below it are empty), but doesnt fill them and wouldn't seem to speed up the fill.
by Tamales
Sun Nov 29, 2020 9:31 pm
Forum: Personal Consumer Issues
Topic: Anyone use excel with a large (100,000 row) spreadsheet?
Replies: 14
Views: 1369

Anyone use excel with a large (100,000 row) spreadsheet?

I'm just wondering if what I'm seeing is abnormal. When I insert a new column and enter a fairly simple formula involving a 2-level IF statement, and try to fill that formula down the rows, the first issue is double-clicking the fill handle doesn't work as it normally does. It just does nothing. And...
by Tamales
Fri Nov 27, 2020 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: What do we know about 2021 RMDs?
Replies: 13
Views: 1925

Re: What do we know about 2021 RMDs?

What was the covid-related reason for postponing RMDs in 2020? Not sure how it benefits anyone who is really hurting.
by Tamales
Thu Nov 26, 2020 11:14 am
Forum: Investing - Theory, News & General
Topic: How would you respond to this? [Conversation about buying individual stocks]
Replies: 51
Views: 3989

Re: How would you respond to this? [Conversation about buying individual stocks]

I agree with Caduceus. Why do you feel the need to claim your way is better? The only time these sorts of discussions even have a sporting chance of sticking is if the person in question (day trader, penny stock fan, stock-only portfolio, expensive managed portfolio; whatever) has suffered significa...
by Tamales
Thu Nov 19, 2020 12:56 pm
Forum: Investing - Theory, News & General
Topic: Weighted portfolio charting service
Replies: 4
Views: 382

Re: Weighted portfolio charting service

StockCharts -> Chartlists - Public ChartLists... can most Definitely do/present entire Portfolios Ex: Above the Green Line - Nov 19, 2020 Buy high, and Sell Higher!!! - https://stockcharts.com/public/1107832 That example just seems to be showing individual charts of portfolio components. What I'm l...
by Tamales
Thu Nov 19, 2020 10:38 am
Forum: Investing - Theory, News & General
Topic: Weighted portfolio charting service
Replies: 4
Views: 382

Re: Weighted portfolio charting service

Thanks but that's not the same and not what I asked about. I don't want to design, build, and maintain a charting tool, I want to use one that's already been developed and tested over years. IOW, add tickers and weights for portfolios 1 through n, check a few options boxes for how I want the charts ...
by Tamales
Wed Nov 18, 2020 8:40 pm
Forum: Investing - Theory, News & General
Topic: Weighted portfolio charting service
Replies: 4
Views: 382

Weighted portfolio charting service

Does anyone know of an online service (pay service is fine, to a point) where you can construct a portfolio of ticker symbols (as a single aggregate chart), weighted by % and/or shares, preferably using daily data? Morningstar premium, StockCharts don't seem to be able to do it. Portfoliovisualizer ...
by Tamales
Sat Jul 11, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: Desktop PC speakers, AC powered, <$100
Replies: 12
Views: 482

Re: Desktop PC speakers, AC powered, <$100

So just a normal bluetooth speaker won't work for you? Is this for gaming? No, not for gaming. I guess "normal" is in the eye of the beholder, but don't desire to use BT Pretty much everything has gone Bluetooth and you can get pretty good quality inexpensively. I probably should have sai...
by Tamales
Sat Jul 11, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Desktop PC speakers, AC powered, <$100
Replies: 12
Views: 482

Re: Desktop PC speakers, AC powered, <$100

TheTimeLord wrote: Sat Jul 11, 2020 10:10 am So just a normal bluetooth speaker won't work for you? Is this for gaming?
No, not for gaming. I guess "normal" is in the eye of the beholder, but don't desire to use BT