Search found 294 matches

by annielouise
Fri Sep 21, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Have You Successfully Moved Global Stock to Schwab?
Replies: 8
Views: 453

Re: Have You Successfully Moved Global Stock to Schwab?

Is there a Schwab office within your driving tolerance that you can visit and take your forms to? Sort of. I am keeping that option on the back burner. I would probably call first, since even the specialists on the phone are getting stumped. Would hate to make arrangements during working hours to v...
by annielouise
Fri Sep 21, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Have You Successfully Moved Global Stock to Schwab?
Replies: 8
Views: 453

Re: Have You Successfully Moved Global Stock to Schwab?

You should contact Schwab and have them "pull" the shares in. Let them handle the transfer. That is what they do. Thanks, but that's not an option. Computershare has to initiate the transfer. Why? I guess because they make the rules? I asked and Computershare said they had to initiate the transfer....
by annielouise
Fri Sep 21, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Have You Successfully Moved Global Stock to Schwab?
Replies: 8
Views: 453

Re: Have You Successfully Moved Global Stock to Schwab?

bloom2708 wrote:
Fri Sep 21, 2018 3:05 pm
You should contact Schwab and have them "pull" the shares in. Let them handle the transfer. That is what they do.
Thanks, but that's not an option. Computershare has to initiate the transfer.
by annielouise
Fri Sep 21, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 89
Views: 4423

Re: Physical Banking - Any benefits anymore?

augustwest73 wrote:
Wed Sep 19, 2018 9:24 pm
1. Free notary
2. Free medallion
3. Easy and quick to cash savings bonds

I keep the bare minimum in a B&M bank for those three reasons.
+1

4. free cashiers checks
by annielouise
Fri Sep 21, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: auto/home insurance rates
Replies: 12
Views: 983

Re: auto/home insurance rates

"Price optimization"...I learned this game about 5 years ago; insurance companies are masters at it and why we have to regularly shop rates. It's illegal in some states. IWe've been with an indy broker since who (apparently?) shops rates yearly. He's had us with Safeco for 3 and they've bumped rate...
by annielouise
Fri Sep 21, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Have You Successfully Moved Global Stock to Schwab?
Replies: 8
Views: 453

Have You Successfully Moved Global Stock to Schwab?

After 3 phone calls, I am no closer to getting the 7 pieces of information that Computershare is asking for to transfer stock. Am I chasing an impossible task? I know that 1 coworker has managed the transfer with TDAmeritrade. I've read online of success via Fidelity for transferring a foreign stock...
by annielouise
Wed Sep 19, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: General 2018 Tax Question
Replies: 26
Views: 2671

Re: General 2018 Tax Question

It barely changed my simplified excel version for my taxes. Except for adding the complexity of the SALT limit. Other than that, the calculations are the same.

But, yay for postcard size. I literally will not notice.
by annielouise
Wed Sep 19, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 3798

Re: “Majority of working-age Americans have no retirement savings”

So where do all these retired people that I see all over the US come from? I suspect people do not tell pollsters the truth about their savings. +1 Why in the world would I want to reveal my financial status to a government agency? You don't have to. Since all of your bank and investment accounts a...
by annielouise
Sun Sep 16, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 105
Views: 7228

Re: Delaying Social Security Until 70

Every optimizer that we have run recommends something in the 68 age range for us. (FRA is 67 - we are the same age}. So, it really depends on your personal circumstances. Of course, we will run them again closer to that time to see what they say then, but our tentative plan at this point is around 6...
by annielouise
Sat Sep 15, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5004

Re: The twenty dollar rule revisited

Except for the basics (groceries, bills) and predetermined spending (weekly lunch out, gifts), we use the following system. In Google Keep, we make a running list of things we might want to buy. At the end of the month, we decide if we want to move them to the "shopping" section of the list which me...
by annielouise
Sat Sep 15, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Then and Now - Lucky Me, Lucky You?
Replies: 10
Views: 877

Re: Then and Now - Lucky Me, Lucky You?

How much of the "then" is accurate? My family had 6 kids go to college starting in 1973. We all graduated with some debt although we had scholarships and grants. My dad had a manufacturing job (steel mill) that paid very little money. My parents constantly struggled to pay the bills, keep us feed, e...
by annielouise
Sat Sep 15, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 165
Views: 8177

Re: How real is cyber risk?

I consider one of the biggest risks is via customer service either in person or over the phone. When possible, I do voice verification or code words/ pins for accounts. In theory, no one can get a new SIM card from my carrier without knowing my code word is "waterfall" (obviously, not my actual code...
by annielouise
Thu Sep 13, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Receiving 2FA codes from Vanguard while overseas
Replies: 14
Views: 1969

Re: Receiving 2FA codes from Vanguard while overseas

T-Mobile has free text messages in most countries. I think they have a plan or two that doesn't include this, but most plans do. Also free data, although it is slow.
by annielouise
Thu Sep 13, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: 401k "advice" to my associates
Replies: 51
Views: 2054

Re: 401k "advice" to my associates

Are you sure you have the full story? They could have student loan or credit card debt to pay down. No, I'm positive I don't have the full story! Then I would not approach this so aggressively. Tell them to contribute up to the match % or they are giving up free money, and leave it at that. I alway...
by annielouise
Mon Aug 27, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: 401k Contributions/ Catch-up: Companies Bucket Them, Does IRS Care?
Replies: 3
Views: 390

Re: 401k Contributions/ Catch-up: Companies Bucket Them, Does IRS Care?

Not only does the IRS not care. Regulations consider only those amounts > the employee elective contribution limit (2018 = $18,500) as true catch-up contributions. For example, based on selections. A participant ends up making $16,000 in regular contributions and $2,500 in catch-up contributions. T...
by annielouise
Mon Aug 27, 2018 6:23 am
Forum: Personal Finance (Not Investing)
Topic: 401k Contributions/ Catch-up: Companies Bucket Them, Does IRS Care?
Replies: 3
Views: 390

401k Contributions/ Catch-up: Companies Bucket Them, Does IRS Care?

Husband had 2 jobs this year. Job 1. (Jan - Jul) Employee sets a single % for 401k contributions. Company fills up the regular contribution bucket first ($18,500) and then the catch-up contribution bucket (was ~$4800 before final paycheck). Job 2 (Aug - Dec). Employee sets a separate % for regular a...
by annielouise
Sat Jul 21, 2018 4:53 am
Forum: Personal Finance (Not Investing)
Topic: Changing address for Social Security after a death
Replies: 10
Views: 751

Re: Changing address for Social Security after a death

If your MIL was already collecting SS and your FIL collected more, they will change her amount to be what he was collecting (more or less, depending on if either waited to collect until FRA or not). This may not be automatic. See (1) below. If she was already collecting, she was already getting tax...
by annielouise
Fri Jul 20, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Changing address for Social Security after a death
Replies: 10
Views: 751

Re: Changing address for Social Security after a death

gd wrote:
Fri Jul 20, 2018 6:50 pm
Just a wild guess that you're going to need to tell us who the executor is.
No will. Nothing has been decided. I really don't want my husband to do it. It will be nothing but trouble for him.
by annielouise
Fri Jul 20, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Changing address for Social Security after a death
Replies: 10
Views: 751

Changing address for Social Security after a death

My MIL will be contacting social security next week to inform them of the death of my FIL, her husband. They were estranged and living in different states, so we do not know if the funeral home did this already. His girlfriend oversaw the funeral which he had planned and paid for in advance. I am wo...
by annielouise
Fri Jul 20, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: New Job, new 401K, trying to select best bang for the buck from whats available
Replies: 16
Views: 1104

Re: New Job, new 401K, trying to select best bang for the buck from whats available

Our HSA used to have Class A funds - with the load waived. You can check if these are the same.
by annielouise
Fri Jul 20, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 13693

Re: Should I Dump a Pile of Money on Young Son?

I would absolutely feel comfortable giving the son you described this money. He has already shown that he is a responsible adult. I would offer to discuss how he should handle the money, but I would ultimately leave choices up to him.
by annielouise
Tue Jul 17, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 56
Views: 3940

Re: Adding a trust to your homeowner's policy

Just wanted to say thanks for this post. I had no idea that we were supposed to do this, but now it is taken care of.

This site rocks! I still learn new info even after hanging out here for years.
by annielouise
Mon Jul 16, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 91
Views: 7143

Re: Are Credit Cards Actually Convenient?

I have had a similar experience as OP over the years. I think we must not follow the traditional user behavior paths of most people. I constantly set off the fraud alerts and have to call in to verify. Luckily some of this can be done via app or web now. :D I am also someone who gets more frequent ...
by annielouise
Sun Jul 15, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: How often do you buy a primary residence?
Replies: 46
Views: 4078

Re: How often do you buy a primary residence?

We bought our first house after 8 years of renting. We bought our second house when my husband's company moved us to a new state. We bought our third house (locally) because (a) our neighbors were making our lives miserable and (b) we wanted to cut costs and save more. We bought our fourth house (cu...
by annielouise
Sat Jul 14, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account w/o thawing CR
Replies: 18
Views: 1200

Re: Online Savings Account w/o thawing CR

Synchrony has a work around. It requires some followup calls to Synchrony, but it works.
by annielouise
Fri Jul 13, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: ESPP Purchase/Sale Specifics
Replies: 6
Views: 333

Re: ESPP Purchase/Sale Specifics

Since it is your first time, be aware that the 15% discount is taxable income (salary). Most companies add it automatically to your paystub and take out income, SS and Medicare taxes. We had one that didn't and that was a bit of a pain.
by annielouise
Thu Jul 12, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Five years to retirement (article)
Replies: 12
Views: 1964

Re: Five years to retirement (article)

"Imagine you're a 60 year old woman making $140,000 a year" "Imagine you own a $500,000 house in New York and pay $25,000 a year in property taxes, insurance, and maintenance." "Imagine you have 1.5 million in retirement savings and have 5 years to go before you reach retirement." Imagine you wrote...
by annielouise
Thu Jul 12, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Suit Alterations - chain vs local tailor
Replies: 16
Views: 1297

Re: Suit Alterations - chain vs local tailor

Don't know about suits, but I paid $60 a few years back to a local tailor to alter a $50 Nordstrom Rack dress! $75 doesn't sound too bad, except that not that long ago tailoring came free with the suit from those chain stores.
by annielouise
Wed Jul 11, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Investing into taxable while spouse is unemployed
Replies: 5
Views: 585

Re: Investing into taxable while spouse is unemployed

Is she looking for another job? If yes, keep an eye on Roth eligibility with severance and new salary. Like us, you may have an end-of-year project to do.😀 We are in a similar situation, but will get $24300 in the 401k by the final paycheck (next week). And yes, taxable sounds fine to me as an alter...
by annielouise
Wed Jul 11, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: looking for a new (online) savings account home
Replies: 23
Views: 2127

Re: looking for a new (online) savings account home

I have both Marcus (Goldman Sachs) and Synchrony. I definitely prefer Marcus for customer support and website. Who is better in rates varies by the week it seems. I believe Marcus is 1.8% and Synchrony is 1.75% today.
by annielouise
Wed Jul 11, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: contributions not in line with target allocation intl vs domestic
Replies: 4
Views: 271

Re: contributions not in line with target allocation intl vs domestic

We do a similar strategy with bonds. You may want to check in more frequently than once a year, though, perhaps quarterly. While you may not need to rebalance that often, it wouldn't hurt to check.
by annielouise
Tue Jul 10, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3549

Re: Masterbath Remodel - Tub or No Tub ?

In our first house, we opted for a large shower and no tub for MB. Builder told us it was a huge mistake. Had to sell less than 2 years later. Sold very quickly and buyer said that was their favorite feature. After 2 houses with unused garden tubs, we built our current home with a huge shower and no...
by annielouise
Mon Jul 09, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8710

Re: Amazon won't sell this book to me.

It's happened to us several times. Oddly, I have been able to purchase some of the items at a later date. I am exceedingly patient.
by annielouise
Mon Jul 09, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: 529 Withdrawal advice
Replies: 1
Views: 203

Re: 529 Withdrawal advice

We did our bank account, except in years our son was not our dependant. Not sure if it matters, though. If my memory is working, you should take out of the 529 the year the expense is incurred. I highly recommend reading the IRS publication concerning 529s and education credits. It was an invaluable...
by annielouise
Mon Jul 09, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Input on personal finance decisions
Replies: 9
Views: 1568

Re: Input on personal finance decisions

Just learn from the car decision but don't fret about it. Perhaps you can set a rule for the future. Such as: I won't replace my car until it has x miles on it or costs $y a year in maintenance. 8 months isn't long for recovery as you get older. Give it time. You can find a lower impact activity and...
by annielouise
Sun Jul 08, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Death & Dismemberment Insurance
Replies: 27
Views: 2050

Re: Accidental Death & Dismemberment Insurance

I wouldn't go out of my way to buy this policy, but we did sign up through my husband's previous job. For $12/year, he was covered for ~$1M and for $6/year, I was covered for ~$500k (both were an actual multiple of his salary). If offered this at a new job, I would get again.
by annielouise
Fri Jul 06, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: 10 years to lose wealth applicable to bogleheads ?
Replies: 32
Views: 3923

Re: 10 years to lose wealth applicable to bogleheads ?

Never been a 1%er, never will be a 1%er. Never aspired to be either. So, no, that will never apply to us.
by annielouise
Thu Jul 05, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: W-4 allowances: why not withhold the minimum to avoid penalty?
Replies: 17
Views: 1401

Re: W-4 allowances: why not withhold the minimum to avoid penalty?

Just be sure your wife is aware and on board for this plan. Most people wouldn't want a large tax bill or a big "drop" in income next year as a surprise, even when it was a good idea. And put on your calendar to adjust withholding next January.
by annielouise
Thu Jul 05, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Is there a current car without a console between the front seats?
Replies: 52
Views: 4412

Re: Is there a current car without a console between the front seats?

Some vans, of the mini- and full-size variety, have an open floor between the front seats. You may have to get a very low trim level (think: contractor van) to be so equipped, but they should be available that way. That would also get you a sliding door to make it very easy to load through the side...
by annielouise
Wed Jul 04, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4363

Re: Monthly Water Usage

The city is all over the place for meter reading (25-37 days), but eyeballing it, I would say we average 3000 gal/ mo. That's for 2 people and a sprinkler system run 2 days a week year round (itsy bitsy yard). Our bills average $60 a month and also include garbage.
by annielouise
Tue Jul 03, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Question about Cutting Cable
Replies: 18
Views: 1883

Re: Question about Cutting Cable

In our area, Uverse has data caps if you only get internet. I think some of the more expensive internet options (~$80) are unlimited. Last year, I was unable to get any significant savings from them when renewing ($10 off). Maybe they feel differently about it this year, but I have already decided t...
by annielouise
Tue Jul 03, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4542

Re: Will I ever be able to itemize?

We used to double up property tax and charitable donations to itemize every other year (no longer an option for us due to SALT cap). That could be a possibility for you since your property taxes are so low.
by annielouise
Tue Jul 03, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3560

Re: How do I fix my heating bill?

Have you confirmed that your emergency heat isn't coming on every time the heat pump is on. That happened to my neighbor and it was costing him a couple of hundred a month here in Texas. I'm sure that number would be a lot larger up north. We had this problem when we purchased an existing home. The...
by annielouise
Mon Jul 02, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Computer/reading classes
Replies: 4
Views: 370

Re: Computer/reading classes

Progressive lenses can be great for combined distance/mid(computer)/reading. There are different levels of quality of lenses which matter most for strong prescriptions (as I understand it). You will definitely want your first pair to be from a place that allows full returns. My husband hated his and...
by annielouise
Sat Jun 30, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay medical expenses out of pocket and save my HSA money?
Replies: 12
Views: 1702

Re: Should I pay medical expenses out of pocket and save my HSA money?

If you are maxing out retirement accounts, it is better to let the HSA grow. If you have $1000 in the bank and a $1000 medical bill, you have the choice between paying $1000 from the HSA now and putting $1000 into a taxable investment account, or paying from the bank and keeping the HSA growing tax...
by annielouise
Fri Jun 29, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Ira: File Amended Return - Excess Withdrawn Today !
Replies: 7
Views: 516

Re: Roth Ira: File Amended Return - Excess Withdrawn Today !

Hello Friends, Great forum, long time / 1st time. I have a situation and really need advise and help:-- My wife and I contributed full 5500 each in 2017 towards 2017 Roth Ira. We filed the 2017 taxes in April 2018. Now, last month I realized that our income was too high ti have contributed full 550...
by annielouise
Fri Jun 29, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 7574

Re: What are you learning or studying?

We get Lynda (aka LinkedIn learning) free from our library. I am working on becoming an Excel power user. I'm thinking about trying the accounting courses next.
by annielouise
Wed Jun 27, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: How many months of living expenses would you keep in your bank.
Replies: 61
Views: 4217

Re: How many months of living expenses would you keep in your bank.

Too much! We've been talking about this. We have always treated short term savings (car, vacation, durable goods, etc) as separate from our "layoff fund", but realistically we could use those amounts in an emergency and just build them back up. So, after my husband is back to work (knock on wood), w...
by annielouise
Wed Jun 27, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA between jobs - pregnancy
Replies: 11
Views: 946

Re: COBRA between jobs - pregnancy

Do you have friends/relatives in your current location so your wife can stay there until after delivery? Sure you will likely miss the birth of your child, but you wouldn't be the first father to do so. Seems like a better alternative.
by annielouise
Tue Jun 26, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 17162

Re: IRS publishes draft 2018 1040 - Huge changes made

I am expecting my 2018 estimates to be close, given the information already released. Shuffling the forms around does not change the underlying calculations. The trouble I am having is learning to relax and not worry about keeping track of itemized deductions anymore since we will be using the new ...