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greetje

Originally had all our equities in Total stock market index. Then did tax loss harvesting and put our money into VLCAX L Cap Stock Adm VIMAX M. Cap Stock Index Adm. We avoided the small cap index and International as we were older and wanted less risk. So probably should have been 100% in just L Cap...

greetje

Tamarind wrote: ↑ December 6th, 2019, 3:31 am random_walker_77 wrote: ↑ December 5th, 2019, 9:48 pm According to bankrate, a 30yr fixed is running 3.72% in colorado, so refinancing would allow you to consolidate all your debts at a low rate, while simultaneously dropping your required mortgage payme...

greetje

We go south as snowbirds for 5 months. Our apartment complex of 600 units has a public WI FI that is unsecured we connect to. I do all our banking online. I assumed since all my banking and financial sites start with https: it is secure. But is it? Do I need a VPN or something like that? I have a la...

greetje

Vanguard Treasury as my fav MMF at the moment, also state tax exempt for most of us. We had some since 2008 recession. Why do you say most of us? We have quite a bit in Vang. Prime MM fund that yields 2.35% vs 2.31% for VUSXX Vang. Treasury MM. Low tax bracket. But still seems like a no brainer to ...

greetje

Being in our early 80s, our RMD is also part of that 4%.

greetje

Again dbr thanks.
That is no harder than the 1099 div I fill out From my mutual funds at vanguard.
In fact it sounds the same. Even I should be able to do that

greetje

Thanks dbr.
If doing taxes do I need to record each taxable event Or
Just the total . In other words does Vanguard send something like a 1099 that has the total info on it and I just write that
Total amount down, not each transaction into my Turbo Tax.

greetje

When making out tax returns.
With a taxable bond fund I heard it is much more complicated reporting the income even if deposited back into fund as each is a taxable event?
Is that true?

greetje

Thanks sport.

greetje

This may be obvious, and I may be missing something. However, once you start taking RMDs, there is another RMD every year. So, if you buy a CD to fund your first RMD, then you need to do something for the RMD for each succeeding year. My IRA CD is at Pen Fed and each year they pay me the RMD out of...

greetje

We bought P Fed Cds for our IRA account. There is no EWP if over age 59 as long as $1000 is kept in the account. Every year they send us the RMD they calculate is due to us taken out of our CD IRA account. We purchased the 5yr paying 3.4%. Figured as long as there is no EWP we may as well take best ...

greetje

3 weeks ago stock prices were up when you sold them. You lucked out! And I do not think you were "timing the market" which is a big no no from most Bogleheads. You were just re balancing into the asset allocation you now desire as you're closer to retirement. A good thing. BUT now--------...

greetje

3 weeks ago stock prices were up when you sold them. You lucked out! And I do not think you were "timing the market" which is a big no no from most Bogleheads. You were just re balancing into the asset allocation you now desire as you're closer to retirement. A good thing. BUT now--------l...

greetje

As mine is in a IRA, I will renew into another 5 yr P Fed Cds @ 3.5%. I'm over 59 and can close or move the CD with no penalty as long as I leave $1000 in the account. Great deal att P Fed. Am not aware of any other financial institution offering that. Was toying with the idea of moving it to Vangua...

greetje

Hello
Forgot how to post anew subject--it's been awhile.

greetje

Thank you' I figured it was a scam but still worried.
Thanks for the information especially that link to the phone number.

greetje

Just found this in my thrash on my e mail account. Sept 10th it arrived. This was about the same time I filled out the Equifax form which wanted my ss # Is this legit or another scam. I have not phoned them. Have not heard back from Equifax after they said I was probably impacted. ALERT! EQUIFAX HAS...

greetje

Retired here. ages 77 and 80. 3 years ago we decided to reduce our equity portion from 40-60 to 35-65 Problem was that we have all our equity in taxable in 2 Vanguard funds, VLCAX L Cap Stock Adm and VIMAX M. Cap Stock Index Adm. LTCG tax was high as we held these funds for over 30 years and they ha...

greetje

I have a problem with my sister in assisted living payments for services provided About 1 or 2x a week they come into the assisted living home to take a blood test. She is on coumadin and needs to be monitored. By THEY I mean draw the blood and transport it to lab for testing in a hospital. That is ...

greetje

All at Ally Bank $50000 invested. Assume all are held 1 yr then take the early withdraw penalty and cash in. Option 1---5 yr CD @ 2% = $1000 yr then close and subtract the 5 month EWP (About $83 a month x 5 = $417) $1000-$417= $583 Option 2---3 yr CD @ 1.4% = $700 yr then close and subtract the 3 mo...

greetje

Geek squad fixed computer and installed Webroot free. Then Ally also offered a free version of Webroot with no exp. date so I installed that as the Best Buy was only good for 6 months.
I have Malware bytes. Should I have windows Defender and Avast instead of Webroot in addition to Malware bytes?

greetje

As we are in late 70s. Holding on to principle of our fixed income portion of our portfolio is important to us. Willing to take our risk in equity portion of our portfolio only. Even with short term bond funds, the duration is about 2.5 years so would take 2.5 years to recoup our money if rates go u...

greetje

I think condo 2 would work fine.
If building equity in a home you don't also need to keep saving at the same rate you are saving now.

To me personally, safety is a must and no way no how would I buy in a unsafe neighborhood. That trumps money.

greetje

Retired @ 75 and spouse is 78. Equity 35% Fixed Income 65%; Consider all our fixed income cash as it is easily accessible if needed. It is in I Bonds, laddered Cds and S Term Bonds. Also have some in online bank savings paying 1%. Also have 4 checking accounts (Max $15000 each) tied to 4 debit cards...

greetje

How do you go about a credit freeze?

greetje

We have used TT for years, are retired and have a very simple return. Was always satisfied. I just rebalanced our portfolio and in the process will have LTCG in 2015. I went to Taxcaster and put in $23000 LTCG. It estimated that we will have $1283 tax due. So I changed it to a different scenario and...

greetje

Just out of curiosity---Does anyone know what percent of US population reaches the "2 comma club?" you mean reached? It is 3.0%. Wondering: Does this include home equity? Does this also include couples worth 1M combined? No, "2 comma club (my way)" is with liquid assets only. My...

greetje

Just out of curiosity---Does anyone know what percent of US population reaches the "2 comma club?"

greetje

We are in our 70s and still have never told out 3 "kids" aged 50 to 58 any of our financial information.
They know we are frugal. We also have no idea what their financial situation is.

greetje

Inheritances are not all bad! My parents emigrated here legally in late 1940s with 11 children. Very grateful for the family that took on the great responsibility to sponsor a family of 13. We were hard workers and 7 oldest siblings were out of school and went to work. As was the custom in the old c...

greetje

Yes cousin was a born and lived abroad and I am US citizen born here. It sounds like no tax due but the form is if we get dividents etc. This estate has been sitting in the bank for 11 years in Holland and it did pay dividents but was put back into the account in the bank. Now that will be divided i...

greetje

Hello In the process of getting an inheritance from deceased cousin in The Netherlands. Dutch inheritance taxes (about 43%) will be withheld and I will get the balance. When I make out my 2014 US Fed 1099 and Wis. State tax returns will any US or State taxes be due? If not is there a place on the fo...

greetje

I use VRBO.com (Vacation Rental by owner)
Owners list properties for rent.
Good Luck!

greetje

I copy and paste all my documents to my 2 USB scan disk bi monthly. I put these in my safe deposit box. Question---I have a windows Vista but need new computer. Will my old documents in Microsoft Word 2002 and Microsoft Excel 97 open up in the new windows 8.1. I went to Windows 8.1 compatible page a...

greetje

Austintatious wrote:
greetje wrote:

my IRA transfer is jow at P Fed as of 1-30
Well, nothing like a happy ending. Congrats, greetje. You've sweated this one to the very end. Sounds like you and DH are in good shape at PenFed.

Thank you Austintatious. Relief we got in under the wire.

greetje

What a Penfed rep told me today when I inquired as to whether my funds have arrived: 1. The IRA dept. is about a week behind in processing, but they will honor the rate current on the date that the funds were received. 2. They cannot tell me if my check has arrived until it is processed (?!) I aske...

greetje

We have 2/$5000 paper I Bonds we purchased at bank 11-2011. That was the limit and bought 2 more through TD online the same time. Had limit of 1 paper 1 online for $5000 per SS#. We have them in our safe deposit bank for quick redemption at bank if needed. Then all paper certificates were eliminated...

greetje

Sorry, I didn't intend to discount your experience. I was just wondering where the holdup was. If PenFed still hasn't gotten around to your application, then sure, you have a perfect right to be annoyed. But I would call if you haven't already -- maybe that second application is actually lost or mi...

greetje

Re: How long did it take to transfer PenFed IRA from VG? Postby aua868s » Tue Jan 28, 2014 4:22 am I sent in my application through USPS to Penfed on Jan 6th. It is a Roth IRA transfer from VG. On Jan 24th, I see 0 dollar balance Roth IRA account in Penfed. I could have walked from my home all the w...

greetje

Age - 15 as we age this will be a higher number. We're 75 and retired and our live off our SS and investments with no pension. As we have I Bonds and laddered CDs to last at least 10 years we may never need the equity portion of our portfolio. Right now, if we sell any of our equities the taxes woul...

greetje

What a Penfed rep told me today when I inquired as to whether my funds have arrived: 1. The IRA dept. is about a week behind in processing, but they will honor the rate current on the date that the funds were received. 2. They cannot tell me if my check has arrived until it is processed (?!) I aske...

greetje

retiredjg wrote:
Sheepdog wrote:If you are retired and are selling investments for expenses, have at least three years of your normal distribution needs in cash accounts so that you don't have to sell when the markets, both stock and bonds, are low.

Me too.[/quot

We do 5-7 years.

greetje

I've been following this feeding frenzy with some interest. One question that comes to mind is, wouldn't one expect that interest rates on CDs would be HIGHER in February? Or are folks expecting it to be lower because of all the new money pouring into PF CDs? I think if rates were going to be highe...

greetje

Greetje update Hubby's took about the same 13 days from mailing to showing up at P Fed as Victoria's, but mine has been 12 days and is still not at Vanguard. I mailed mine the 7th to P Fed, they told me at P Fed they mailed it to Vanguard the 11th but still not at VANGUARD the 18th. Then they still...

greetje

Greetje update Hubby's took about the same 13 days from mailing to showing up at P Fed as Victoria's, but mine has been 12 days and is still not at Vanguard. I mailed mine the 7th to P Fed, they told me at P Fed they mailed it to Vanguard the 11th but still not at VANGUARD the 18th. Then they still ...

greetje

1-12-14 update Above I wrote "Today we went to vanguard and the one from hubby is now on way to P Fed. as his Vanguard IRA account says transferred on 1-8-14 and he has $0.00 in account. " Today 1-12-14 Hubby's P Fed account still shows 0.00 there too. So were is it greetje, it took 8 cal...

greetje

1-12-14 update Above I wrote "Today we went to vanguard and the one from hubby is now on way to P Fed. as his Vanguard IRA account says transferred on 1-8-14 and he has $0.00 in account. " Today 1-12-14 Hubby's P Fed account still shows 0.00 there too. So were is it greetje, it took 8 cal...

greetje

As I just posted in another thread, wouldn't it be ironic if PenFed raised their rates in February? According to a poster in that thread, a PenFed rep said that rates in February would be higher! We were hearing rumors of the 3% CD in November and it was hard to believe, so who knows? Maybe those o...

greetje

04 Jan 2014 - mailed forms to PenFed as a certified letter 10 Jan 2014 - a "Roth IRA" tab has appeared in my PenFed account and a "Pending transaction" note has appeared in my Vanguard account. 11 Jan 2014 - the funds (the correct amount) were deducted from my Vanguard account. ...

greetje

We mailed papers to Penfed on Satuday, 1/4. A few days ago I wasn't seeing nothing on the PenFed site. Now, I see an entry for IRA Share Traditional with a zero balance. So, I guess that means they got our paperwork. I haven't seen anything on the Vanguard side though. As a child my mother always t...

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