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Gardener246

You'll want to enter a range of dates. Use the date for which you want a documented balance as the beginning date (for the end date you can use any date, it doesn't matter). You're right, you'll see a list of all the transactions for that period--- now, look at the bottom of that listing, to the rig...

Gardener246

A few months ago I needed year-end IRA account balances for 1999, and finally found on the Vanguard website. It’s not a statement, per se, but this allows for balance queries all the way back to 1993 for any given account. It’s a bit clumsy, and you’ll need a new query for every balance date you wan...

Gardener246

Thanks for weighing in, everyone. The 1998 conversion amount was only approx $5,200 in total, making each year's taxable amount only approx $1,300. Not high-roller material, definitely. I'll definitely look into F5329.

Gardener246

Thank you, CedarWaxWing. I had not though about that angle. Our CPA has retired, but I can see if other accountants I know have ever come across this situation.

Gardener246

Hi, all. I’m really appreciative of your expertise and helpfulness, and would be very grateful for any guidance on this issue. Back in 1998 I was single and decided to take advantage of the four-year Roth conversion spread. So on my 1998 1040 I paid taxes on one-fourth of the TIRA—->Roth conversion ...

Gardener246

I really wish I could get my Vanguard emails and notifications to stop broadcasting 'Flagship' everywhere!

Gardener246

Old Meph, I always looked forward to your posts, and would always pause to read your replies; thanks so much for all you have given us here on Bogleheads.

Gardener246

Just opened and contributed $6,500 into an Andrews 2016 3% IRA CD... wanting to beef up the fixed-income portion of my portfolio... 3% is looking pretty good right now. Their website is abysmal, but their customer service team is most pleasant to work with.

Gardener246

Adding that my dad had a regular home phone; the speaker I referred to was provided by Phillips Lifeline, and was attached to his phone so that when they were responding to a fall alert they could bypass the phone altogether and have immediate communication access through the speaker. It worked grea...

Gardener246

My dad was 91 and living at home, so the Phillips Lifeline fall detection pendant was a necessity. It worked very well because he indeed did fall several times. Upon each fall, the pendent sent an alert to a call center who in turn immediately called to check on him via his home phone into a microph...

Gardener246

I've had several documents notarized at UPS and all went well. Yes, the inked notary stamp seems to have replaced the embossed stamp everywhere, even at the local bank where I had yet another notary done a few months ago. The only hitch occurred just last year when an Austrian pension company was re...

Gardener246

I got mired in the billing switch-over dead zone, as well--- no statement sent out for the transition-month charges, and to make it worse my full auto-pay didn't occur either! So I was charged a late fee + interest. I called Citi to complain, and they confirmed the service coverage gap for that stat...

Gardener246

The thieves not being very smart put an icon for LogMeIn on the desktop. Otherwise I would not have found it. Oh, get this! My mom also told me that the nice fellow even placed her own personal 'help desk' (LigMeIn) icon on her desktop so that anytime her computer 'froze up' again, all she had to d...

Gardener246

The very same thing happened to mo mom, down to the same dollar amount. She had paid via credit card so I think but am not positive, that she was reimbursed by the credit card company. But by far the bigger worry to me than the $300 was that I wouldn't have been surprised if the fraudsters, while 'h...

Gardener246

My application got hung up as pending, as well, but a phone call to their customer service department yesterday seemed to accelerate it, as it charged to my credit card within minutes of ending the call.

They were very helpful and polite.

Gardener246

A twenty-year customer of First Tech CU, but perhaps due to the population explosion here in Seattle they're having many problems with their website, Bill-pay service (payments arriving late), call center (53 folks on hold ahead of me !), and equipment at the branches (PIN reset machine was broken, ...

Gardener246

I have to agree with Student5, and most disappointingly about SmartWool socks in particular. Over the last six years or so I've noticed that they last much shorter a time than they used to--- holes in the heels, exactly. So I went into Utube and learned the art of darning from a Ukranian who lives i...

Gardener246

I have five Netspend accounts and have set up auto-transfer of $1 to each of them from Ally, every other month. A hassle setting it all up, but now it's all automated and no effort. All I do now is harvest the interest quarterly by transferring everything over $5,000 back to Ally. Well worth he effo...

Gardener246

Very happy for you-- off to a great start

Gardener246

I really like Grog's formula, above. Puts me exactly at 2.5% withdrawal rate at 50yo.

Gardener246

49 replies so far, lol!

Gardener246

Phillip's LifeLine system worked very well for my 91-yo father who was able to live alone at home until he died per his wishes because of it. He was a fall risk and indeed fell several times over his last three years, but the pendent he wore around his neck sensed the fall each time and alerted the ...

Gardener246

Taylor is much admired by many, including me, and his friendship speaks highly for you.

Gardener246

Hmm... Has DH perhaps ever used that computer to access his FB account?

Gardener246

After 15 years doing yoga with videos at home, I just last month joined a yoga studio two miles from home, which I walk to for the 8am session, seven days/week (a littler later on weekends). Meeting friends there, and really enjoy the comradarie. Bought the unlimited package which works out to less ...

Gardener246

The Meditations of Marcus Aurelius. Magical to be reading something so ancient on an electronic device.

Gardener246

Yes, I can by experience confirm it's a progression-- order, receive, activate one card--- then order the next.

Gardener246

Thank you, Taylor, for all you have done for so many! Merry Christmas.

Gardener246

Thanks for posting!--- hadn't seen it before now.

Gardener246

A few years ago in one conversation with a person (8-figure nw) who happened to mention in passing something about managing his own portfolio at Vanguard. I was stunned!

Gardener246

Looks like my Vanguard brokerage ETF fund reinvestment selection automatically applies to *both* dividends and capital gains--- I can't elect a separate reinvestment vs settlement option for each. What I want is auto-transfer just the dividends to the settlement account while automatically reinvesti...

Gardener246

Thanks to the info provided on this forum, I just finished opening up the fifth and last NetSpend account. The process took about three months total: I'd apply for one NetSpend card, then once it arrived and was activated I'd apply for the next. I use Ally Bank, which accommodates transfers to each ...

Gardener246

Reading this post motivated me to online-order a nice reserve stash of 100-, 60-, and 25-watt incandescent bulbs, Amazon is still selling them. 100 watts is the upper limit wattage-wise.

I noticed incandescent chandelier bulbs still for sale, as well.

Gardener246

Congrats! So happy for you-- well done!

Gardener246

How does that Chinese proverb go?... Something like, 'Rice paddy to rice paddy in three generations'...

Gardener246

Thanks for alerting the forum to this great deal, Kevin, and for the FAN membership application instructions.

Just applied, now awaiting approval; I saw mention of a possible Experian pull so I unfroze that for a few days, just in case.

Gardener246

Looking up Roth conversion/re characterization issues last Fall--- found the answer here on the forum. I stumbled across a gold mine, that's for sure-- how I managed before Bh I'll never know.

Gardener246

With a teenaged boy in the house, I easily fill up my prerequisite monthly 12 ATM charges by buying 12 individual bananas @ approx $.24/each. And to save myself the embarrassment of witnesses I use the self-checkout lane.

Gardener246

Thanks, I get it now, livesoft and bittern.

Gardener246

A qestion for those more experienced than I; this may be an ignorant question, but that's how one learns. Should I be forcing small periodic purchases in eash of my funds so as to create new 'lots' in the absence of dividend reimvesemt? It occurred to me as I TLH-ed over $25g of losses this week; by...

Gardener246

Thanks for the reminder!

Gardener246

I've come around to your way of thinking, mjdaniel, though as a cpa it's *hard* not to do the 'right thing' tax-wise, even for an insignificant amount of money. This morning I gave it up, visited the Chase branch, and signed the paperwork for an immediate, full distribution. Am planning to put the p...

Gardener246

Indeed, if it gets this complicated I'll just take the distribution and be done with it.

If it's as simple as a FBO check I send to Vanguard, followed by future auto-deposits of rmd's and e-access to the 1099s, I'll proceed.

I do agree with you, celia, that getting too complicated is just silly.

Gardener246

Interesting link, Alan S. My dad was 91 so taking rmd's, so that simplifies things a bit. I'm executor/sole heir, but since assets so low no estate was officially 'set up' (no Federal ID number, no bank account, etc)--- just a matter of a will-only filing at the courthouse. Thus, don't think a distr...

Gardener246

Yes, Ping Pong, that's exactly what I'm trying to do!

. And I do understand Chase's position, as well. Getting it to Vanguard, where I'm already an established client, definitely makes more sense.

Gardener246

Excellent idea, dodecahedron, and without being a servicing hardship for Chase, either. I'll call Vanguard and go that route, and report back how it goes.

Gardener246

Thanks for your reply, livesoft.

The IRA is still in my Dad's name, and I thought I had to somehow get it released to me before I could transfer of to Vanguard. I will definitely call Vanguard and get the process initiated on their end, instead. Thanks again for your (always!) helpful input.

Gardener246

Here's one for you, a first for me, can this be right? My dad passed away, one small Chase IRA ($2,000 approx) without named beneficiary, so I'm claiming it via small estate affidavit in Wa state since total estate is small, no real estate. In any case, Chase Bank is refusing to set up an inherited ...

Gardener246

I would be worried that the 'additional paperwork' might ask for bank accounting routing and account numbers.

Gardener246

I just sold Total Bond Market today to tax loss harvest. Simply called Vanguard and the rep did it for me via specific identification of only those 'lots' that reflect losses--- those that sat as gains I left alone. Dividend reinvestment happens or be turned off, but didn't really matter since deali...

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