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mbcruiser

No, Vanguard makes only the deposits. No reverse debit. I did this process last week and it worked perfectly. There was a reverse debit for the deposit total I recently helped a friend set up info on Vanguard to connect a credit union account. The CU lumped both Vanguard incoming deposits together ...

mbcruiser

A good reference is https://www.irs.gov/pub/irs
-pdf/p929.pdf.

mbcruiser

While the campground in Greenbelt Park (National Park Service) is closed till some time in 2021, it might be another option as the College Park-U of MD Metro station is about three miles from the park entrance.
https://www.nps.gov/gree/index.htm

mbcruiser

My parents get only Social Security and interest income as they are retired and on Medicare. They have no other deductions so just take the standard deduction. Currently they do not withhold any taxes from their payment. I was looking if I can change it online for them, but it seems the only option...

mbcruiser

Fly into Juneau. Mendenhall Glacier/tram to Mt. Roberts/charter boat fishing for salmon& halibut. You can take a helicopter tour that lands on the glacier. From Juneau fly/boat to Glacier Bay.......take boat tour of Glacier Bay/charter boat fishing for same. If thinking about this yr, consider ...

mbcruiser

With Chrome & Win 10, had the same problem last night consistent with previous posts, but I just successfully logged on from Vanguard home page after going through the 2 step authentication.
Hopefully last night's issue's been resolved.

mbcruiser

My son is 17 and will be turning 18 years old in November. Will we receive $500 for him or is he considered an adult at this point? Total household income of just under 100k.. The rules of dependency aren't always a simple yes or no proposition. IRS definition of a " dependent ": "To...

mbcruiser

IRS Publication 525 Taxable and Nontaxable Income https://www.irs.gov/pub/irs-pdf/p525.pdf is where instructions for how state tax refunds are determined to be taxable or not are found. See Worksheet 2. Recoveries of Itemized Deductions for how it's calculated if software help isn't available.

mbcruiser

Don't forget to see how long term carryover relates to your state tax returns (assuming you're in a state with income tax requirements). In Wisconsin, for example, capital loss carryover is limited to $500 per year (vs. Federal $3,000 limitation), a significant difference.

mbcruiser

2017 CRV-EX here... I had the same problem (random and annoying like previous posts), took it in where the dealer claimed that Honda had a software update (though no specifics except "recall performed" cited on the work order). [less than 2 years into the warranty period & with 19,000 ...

mbcruiser

seawolf21 is right. CPA designation doesn't necessarily mean he/she is a tax expert/professional. Some are, some aren't. An Enrolled Agent (EA - the IRS designation) is the more accurate tax professional suited for your question. Check out https://www.irs.gov/tax-professionals/enrolled-agents/enroll...

mbcruiser

a quick online calculator: It's easy to use using various what if scenarios; https://cotaxaide.org/tools/Estimated%2 ... sheet.html

mbcruiser

a quick online calculator since entire amount converted would be taxable. It's easy to use using various what if scenarios;
https://cotaxaide.org/tools/Estimated%2 ... t.html[url][/url]
It automatically computes SS portion (if any) that would be taxable.

mbcruiser

A 1040 exel spreadsheet that you can download is at https://sites.google.com/site/excel1040/home/ I downloaded this last year, and it worked pretty well for playing with different scenarios. However, it's a 2018 version. 2019 is still pending, but there is an estimator for helping getting started. I...

mbcruiser

another option to calculate estimated 2019 Federal tax return numbers -- http://cotaxaide.org/tools/Estimated%20Tax%20Worksheet.html For estimating purposes, the QCD amount is not taxable. See https://www.irs.gov/pub/irs-pdf/p590b.pdf A qualified charitable distribution can satisfy all or part the a...

mbcruiser

https://www.youtube.com/watch?v=YrGl0KijTEc

mbcruiser

There are lots of moving parts to your decision on SS and drawing from taxable accounts. I would consider pulling the funds from the tax sheltered accounts to reduce the RMDs at 70 1/2 as it will be 100% taxable. SS if drawn at 70 will be at the most 85% taxable which makes it more valuable than th...

mbcruiser

simple ----
https://apps.vanguard.com/web/cf/move-money/welcome

mbcruiser

The maximum amount of the reduction may be overstated. I have circumstances similar to yours with similar numbers, and I'd suspect that your Online Calculator estimate is more likely what you can expect. There will be some benefit albeit reduced even with a pension from non-SS employment. I my case,...

mbcruiser

Your situation [CSRS, SS, etc.] sounds like it might be perfect opportunity to use AARP's free tax service https://www.aarp.org/money/taxes/aarp_taxaide/. AARP membership is not required, and the program is found in many communities around the country: https://www.irs.gov/individuals/find-a-location...

mbcruiser

Shop around. I've had a credit union mortgage that never was serviced by any other institution. That one even made refi's simple when rates fell. From beginning to payoff, it was always in the same credit union. But then I've had another mortgage (after moving to another state) where the best rate w...

mbcruiser

If the contribution to the Traditional IRA was designated for 2018 (eligible till April 15, 2019), and the conversion to the ROTH IRA was done now (2019), then you should amend the 2018 tax return to reflect the contribution. The amount converted will appear as a distribution on your 1099-R for 2019...

mbcruiser

A fun stop along the CT Turnpike in Orange, CT (near New Haven) is the Pez Museum https://us.pez.com/pages/visitor-center-faqs

mbcruiser

another estimation tax tool is at https://cotaxaide.org/tools/Estimated%2 ... sheet.html
It's a bit simpler for dabbling in "what if" scenarios

mbcruiser

a free excel spreadsheet that would allow you to do the "what if's" for 2018 .
https://sites.google.com/site/excel1040/home/

mbcruiser

See page 13,IRS Publication 590b at https://www.irs.gov/pub/irs-pdf/p590b.pdf.
You must be at least age 70&1/2 when the distribution was made.
A Qualified Charitable Distribution will count towards your required minimum distribution,

mbcruiser

Check your state tax/revenue department website as some states let you e-file their returns [free] directly on their website (e.g Utah at https://incometax.utah.gov/; Wisconsin at https://www.revenue.wi.gov/Pages/WI-efile/home.aspx, etc.) assuming Federal is completed. Conditions and criteria vary, ...

mbcruiser

We were in Venice a couple of months ago.... did a lot of walking (multiple times around the city because it's a great way to easily escape the touristy places though San Marcos Square wasn't too busy). We spent some time finding the traghetto for a €2 gondola ride across the Grand Canal, but 2 of u...

mbcruiser

irs.gov offers alternative ways to file electronically. Depending on your circumstances you may qualify for free e-filing. For less complex returns most alternative e-file options are reasonably simple to navigate. (https://www.irs.gov/filing/e-file-options).

mbcruiser

Like most tax related questions, the answer is 'it depends'.
Here is link to help you sort it out for California:
https://www.ftb.ca.gov/forms/2015/15_1031.pdf

mbcruiser

I had similar fears when it came to downhill skiing... but when my teenage son (similarly cautious) took a lesson or two, it was a "team" thing with him (me well after age 40). Instructor was very smart...she told me to only do what is 'comfortable' (i.e. without having to prove anything t...

mbcruiser

On Schedule A (Itemized deductions) LTC premiums can be deducted as a medical expense, subject to limitations based on age. See https://www.irs.gov/pub/irs-pdf/i1040sca.pdf and https://www.irs.gov/pub/irs-pdf/p535.pdf As you paid a lump sum, little if any of the premiums will get much of a deduction...

mbcruiser

I got an Illinois I-Pass (as a nonresident) a few years ago - they're good for 7 years. No charge, except to pre-load $20 in the account and set up auto reload feature with a credit card. Fine print said that when the transmitter is returned, balance of account will be refunded (but it costs nothing...

mbcruiser

Maybe this is what the original post was referring to

?
https://myra.gov/?utm_expid=112154954-1 ... yra.gov%2F

mbcruiser

Like previous post, also just returned from Iceland last Wed. Spent 2.5 days there, never took out any Iceland cash, and managed just fine. VISA & MC worked like anywhere else... but for some reason my VISA PIN was required at the gas pumps, and since I can never remember it, I ended up pulling ...

mbcruiser

1992 Honda Accord (yes 25 years old)
bought it 5 years ago with 102,000 mi.; (replaced fluids, timing belt, muffler, master cylinder, and distributor).
now has 121k.
Runs like a top .
Wanting a new one, but it still beats 0% interest, $0 down, $0 payments, blah, blah!.
What can I say, it's a Honda.

mbcruiser

See IRS.GOV (it's a wealth of information) { https://www.irs.gov/individuals/aotc } and IRS Publication 970 To be eligible for AOTC, the student must: -Be pursuing a degree or other recognized education credential -Be enrolled at least half time for at least one academic period* beginning in the tax...

mbcruiser

I've used https://sourceforge.net/projects/passwordsafe/ for years. It's simple, secure, and syncs readily with my pc, android phone, and tablet. It's free as well.

mbcruiser

See IRS https://www.irs.gov/pub/irs-pdf/i8949.pdf (IRS Form 8949 Instructions). It has to be reported if 1099-S is issued. Form 8949 Part II will need Code "H" in column "f" to indicate the exclusion for the sale. The rest of Part II Line 1 Form 8949 should also be completed and ...

mbcruiser

I am too am an advocate for Zenni.... we've purchased at least a half a dozen pairs of glasses (including Rx sunglasses) and have been totally satisfied. My current pair, progressive lenses with mid-level lens material, and the usual anti-scratch, etc. coatings, cost less than $70 (vs. $200 at Sams ...

mbcruiser

It's all been said already......Pay self first., ..forego that $3 coffee and pocket it in ROTH....etc. Be suspicious of "financial planners" that are really sales reps for load funds that will take up to 7.5% of your initial investment and then the institution takes a heavy admin "fee...

mbcruiser

As one who was in the same boat, the paper billing from Medicare (that let's you charge to a credit card) is for a quarterly amount (i.e. every three months payment is due).

mbcruiser

If it were me, I would file the 1040-X now, include payment for the correct amount of balance due :moneybag, and be done with it. Why? Because the 1040-X date will probably be date stamped as having been received "on time" (i.e. BEFORE the 2015 filing deadline of April 18, 2016) and your p...

mbcruiser

Much has been said, so here's my $.02 --- I-84 Portland to Utah, then I-80 all the way to Chicago Made the trip in Jan many times...... just watch forecast for each section. Generally a 3-4 day weather forecast is a sufficient window to make the go/no go decision. Google "I-80 weather", an...

mbcruiser

I think the basic coverage is nothing more than burial insurance after age 65.... so I kept it if for no other reason

mbcruiser

HRBlock's POMG is actually $35 above their prep charges, and also covers audit representation (HRB Enrolled Agent who will go to any IRS/state audit if required) and the $5,500 of additional tax if HRB made the error. The POWG covers the 3 years that returns are normally open to review and amending,...

mbcruiser

Anytime I get offered the "opportunity" to buy an extended warranty on ANYTHING, I just ask the salesperson ( :greedy ) why are they selling me a product that needs it anyway? I tell them, "are you telling me that you are selling me an inferior product such that the regular warranty i...

mbcruiser

With a few coat hangers and less than $3 in hardware and a 75-300 ohm transformer, you can make your own.... http://www.tvantennaplans.com/ or http://www.how-to-diy.org/wzMTJFiXmlhQWE/Coat-Hanger-HDTV-Antenna!.html I have made several for self and friends and one works perfectly some 45 miles from t...

mbcruiser

Vanguard has already posted 2014 1099-R for my accounts online. For the Rollover IRA to ROTH conversion, the only distribution code is 07 (Normal distribution - I'm over 59 & 1/2 yrs old). I don't believe there is a code for RIRA conversion to ROTH. Instead, the annual statement for your ROTH ac...

mbcruiser

FEHBP is still your primary if retired but not yet on Medicare (age 65 for most folks). After Medicare Parts A & B start, then FEHBP is secondary.

Also note previous comment re: GEHA STANDARD vs. HIGH OPTION with Medicare.

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